b'and as otherwise permitted by law. At your request, we will\ntell you whether we requested a report and, if so the name\nand address of the credit reporting agency which provided\nit. We may disclose information about your account to\ncredit bureaus and creditors who inquire about your credit\nstanding.\n15. Returns and Credit Balances\nMerchants and others who honor the Card may give credit\nfor returns or adjustments by sending a credit transaction\nwhich will post to your account. The credit will be applied\nfirst to pay what you owe us under this Agreement. If there is\na credit balance (i.e. a balance in your favor) on your account,\nwe will hold it and apply it to future amounts owed but will\nnot pay you interest on it. We will refund a credit balance to\nyou if you ask. If the credit balance is greater than $50, your\nrequest must be in writing. If a credit balance greater than $1\nremains in your account for six months, we will automatically\nrefund it to you. We may charge to your account or you will\npay us any amount that we refund in error.\n16. Exchange Rates for Foreign Transactions\nPurchases and Cash Advances made in foreign countries and\nforeign currencies will be billed to you in U.S. Dollars.\nThe exchange rate between the transaction currency and\nthe billing currency used for processing international\ntransactions is a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable\ncentral processing date, this rate may vary from the rate Visa\nitself receives, or the government-mandated rate in effect\nfor the applicable central processing date, plus 1%.\n17. Monitoring Telephone Calls\nBy using your Card the first time, you authorize ESL and\nits servicer to record and monitor your calls regarding this\naccount.\n18. Responsibility for Use of Card/Notices\nEach person who has accepted and agreed to the terms of\nthis Agreement is individually responsible for all amounts\nowed on the account and all are jointly responsible for all\namounts owed. This means ESL can enforce this Agreement\nagainst any of you individually or all of you together. You are\nresponsible for advances obtained by anyone that one of\nyou authorizes to use the account. Each of you remains fully\nresponsible even if another agreement, a divorce decree,\nor a court order directs only one of you or a third party to\n\npay. Statements and notices addressed and mailed to any\none of you at the most recent address we have for you in our\nrecords will be considered to have been sent to all of you.\n19. Liability for Unauthorized Use\nYou may be liable for the unauthorized use of your Card.\nYou will not be liable for unauthorized use that occurs after\nyou notify us orally or in writing at Cardholder Service, P.O.\nBox 31112, Tampa, FL 33631-3112 or at 800.449.7728 (or\nfrom outside the United States at 727.571.2200) of the\nloss, theft or possible unauthorized use. Notwithstanding\nthe above, you may be liable for any amount to the extent\nallowed under applicable law if we determine that you\nwere grossly negligent or fraudulent in the handling of your\naccount.\n20. Governing Law\nAny legal question under this Agreement will be decided in\naccordance with applicable federal and New York State law\nwithout regard to the laws of any other state. This Agreement\nis made, and credit is extended in New York.\n21. Change in Terms\nA change in terms notice regarding this account will be\nmade in accordance with applicable regulation.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights\nand our responsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT\nYOUR STATEMENT\xe2\x80\x94If you think your statement is wrong,\nor if you need more information about a transaction on\nyour statement, write to Cardholder Service, P.O. Box 31112,\nTampa, FL 33631-3112. We must hear from you no later than\n60 days after we sent you the FIRST statement on which\nthe error or problem appeared. You can telephone us at\n800.654.7728, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain if you can, why you\nbelieve there is an error. If you need more information,\ndescribe the item you are not sure about.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE\nRECEIVE YOUR WRITTEN NOTICES\xe2\x80\x94We must acknowledge\nyour letter within 30 days, unless we have corrected the\nerror by then. Within 90 days, we must either correct the\nerror or explain why we believe the statement was correct.\nAfter we receive your letter, we cannot try to collect any\namount you question, or report you as delinquent. We\ncan continue to bill you for the amount you question,\nincluding finance charges, and we can apply any unpaid\namount against your credit limit. You do not have to pay any\nquestioned amount while we are investigating, but you are\nstill obligated to pay the parts of your statement that are not\nin question.\nIf we find that we made a mistake on your statement, you\nwill not have to pay any finance charges related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may\nhave to pay finance charges, and you will have to make up\nany missed payments on the questioned amount. In either\ncase, we will send you a statement of the amount you owe\nand the date that is due.\nIf you fail to pay the amount that we determine you owe, we\nmay report you as delinquent. However, if our explanation\ndoes not satisfy you and you write to us within 10 days telling\nus that you still refuse to pay, we must tell anyone we report\nyou to that you have a question about your statement. And,\nwe must tell you the name of anyone we reported you to.\nWe must tell anyone we report you to that the matter has\nbeen settled between us when it finally is. If we don\xe2\x80\x99t follow\nthese rules, we cannot collect the first $50 of the questioned\namount, even if your statement was correct.\n\nAccepted by:\nESL Federal Credit Union\nCorporate Headquarters\n225 Chestnut Street\nRochester, NY 14604\n\nESL Federal Credit Union\n\nESL Visa\xc2\xae\nSecured\nCredit Card\nAgreement\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchased with the ESL Credit Card, and you have\ntried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount\ndue on the property or services. There are two limitations to\nthis right.\n1. You must have made the purchase in your home state\nor, if not within your home state, within 100 miles of\nyour current mailing address; and\n2. The purchase price must have been more than $50.\nThese limitations do not apply if ESL owns or operates the\nmerchant, or if ESL mailed you the advertisement for the\nproperty or services.\n\nM-115274 (07/15)\n\n\x0cRETAIL INSTALLMENT CREDIT AGREEMENT\n1. Agreement\nThis Agreement is between ESL Federal Credit Union (called\n\xe2\x80\x9cESL\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cwe\xe2\x80\x9d) and each person who accepts the Visa\naccount (called \xe2\x80\x9cyou\xe2\x80\x9d). The word \xe2\x80\x9cCard\xe2\x80\x9d refers to any Visa\nCard(s) or Card number and the word \xe2\x80\x9cCheck\xe2\x80\x9d refers to any\nCheck we issue under this Agreement. Sign your Card before\nyou use it. The first use of your Card, Check, or the Card\nnumber means that you accept and agree to be bound by all\nthe terms of this Agreement. You should refer to the Savings\nand Checking Disclosure, Terms and Account Agreement for\nthe terms related to your Secured Credit Card Daily Dividend\nAccount.\n2. Using the Card/Account\nYou may use the Card or a Check to make purchases in\nperson, by mail, electronically (through the Internet) or by\ntelephone from merchants and the others who accept Visa\nCards or Checks. Any financial service provided by ESL Federal\nCredit Union may be used for any transaction permitted by\nlaw. You agree that the illegal use of any financial service will\nbe deemed an action of default and/or breach of contract\nand such service and/or other related services may be\nterminated at the discretion of ESL. You further agree, should\nillegal use occur, to waive the right to sue ESL for such illegal\nactivity directly or indirectly related to it. You also agree to\nindemnify and hold ESL harmless from any suits or other\nlegal action or liability, resulting from such illegal use. ESL is\nnot responsible if any merchant refuses to accept the Card\nor Check. You may also obtain cash advances from ESL, from\nother financial institutions participating in the Visa program,\nand from automated teller machines which display the PLUS\nor VISA network logos. (Not all ATMs provide such access and\nyou will need to use your Personal Identification Number at\nthose that do.) Cash advances can be used to make balance\ntransfers.\n3. Credit Limit\nWhen we send you the Card, and on each monthly\nstatement, we will tell you your credit limit. You may request\nan increase in your credit limit by a written application or a\ntelephone request. The portion of your payments applied to\nthe principal may be re-borrowed, up to your current credit\nlimit. We may reduce your credit limit or terminate your\nborrowing privileges at any time without prior notice to\nyou. You may not allow the balance outstanding under this\n\nAgreement to exceed your credit limit. We may, however, at\nour discretion, honor your request for an advance that will\nexceed your credit limit. If we do, all the provisions of this\nAgreement will apply to that excess, you will be charged\nfinance charges on the advance, and you must pay the entire\nexcess to us on demand.\n4. Payments\nYou agree to repay all advances made under this Agreement\nin response to a request by you or anyone you authorize and\nall finance charges and all other charges and amounts owed\nunder this Agreement. Within 25 days after the statement\nclosing date each month, you must make a minimum\npayment. The minimum payment will be equal to the sum\nof: (i) the greater of 2.7% of your Total New Balance or $25;\n(ii) any amounts that are past due; (iii) the portion of your\nbalance that exceeds your credit limit; (iv) any late fees that\nyou owe; and (v) any other fees you may owe. You may pay\nmore than the minimum due or your entire indebtedness\nin full at any time. We may allocate payments to amounts\ndue in any manner or order chosen by us, provided we\ncomply with any applicable laws or regulations.\n5. Receipt of Payment\nIf we receive your payment, with a payment stub, at the\naddress indicated on the front of your monthly statement by\n5:00 p.m., Monday through Friday (excluding legal holidays)\nwe will credit it to your account the same day. If your payment\nis received later in the day, it will be credited to your account\nthe next business day. If we receive your payment at another\nlocation or without the payment stub, we will credit it within\nfive business days. We may return without presentment or\nprotest and without credit to your account any check which\nis: (i) missing a signature; (ii) drawn with different numeric\nand written amounts; (iii) postdated; (iv) not payable to ESL;\n(v) not paid upon presentment; (vi) drawn on a bank outside\nthe United States; (vii) a Check provided to you for use under\nthis Agreement.\n\nany, will continue to accrue on your balance at the applicable\nperiodic rate and the period within which you must pay\nthe Total New Balance to avoid paying finance charges on\npurchases will not be extended. The regular payment terms\nwill resume at the end of the payment holiday.\n8. Finance Charge\nThe total finance charge you owe for a billing cycle will be\nequal to the \xe2\x80\x9cPeriodic Rate Finance Charge.\xe2\x80\x9d The minimum\nfinance charge is $.50 in any billing cycle during which\nthere is an outstanding balance in your account subject to\na finance charge. You will continue to pay a finance charge\nat a periodic rate calculated as described in and under\nthis Agreement until what you owe is paid in full. Finance\ncharges can continue to accrue after the date your monthly\nstatement is generated. Therefore, even if you pay the Total\nNew Balance shown on your monthly statement and do not\ntake any additional advances after that date, you may still\nowe additional finance charges which accrued after that\nTotal New Balance was determined.\nA. Periodic Rate Finance Charge\xe2\x80\x93We calculate the\nPeriodic Rate Finance Charge by (i) multiplying the\napplicable daily periodic rate by (a) the \xe2\x80\x9cpurchase average\ndaily balance\xe2\x80\x9d and (b) the \xe2\x80\x9cCash Advance average daily\nbalance\xe2\x80\x9d; (ii) adding those amounts together; and (iii)\nmultiplying the sum by the number of days in the billing\ncycle.\n\n6. Irregular Payments\nWe will not lose any rights if we accept late payments, partial\npayments, checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor with similar words or phrases or other irregular payments.\n\n(1) Amount to Which Periodic Rate is Applied\nTo get the \xe2\x80\x9cpurchase average daily balance,\xe2\x80\x9d each\nday we take the beginning balance of your account\nattributable to purchases that day, add any new\npurchases or purchase debits that day and subtract\nany payments or credits attributable to purchases that\nday. We do not include any unpaid finance charges. This\ngives us the \xe2\x80\x9cpurchase daily balance.\xe2\x80\x9d Then we add up\nall the \xe2\x80\x9cpurchases daily balances\xe2\x80\x9d for the billing cycle\nand divide the total by the number of days in the billing\ncycle. This gives us the \xe2\x80\x9cpurchase average daily balance.\xe2\x80\x9d\nHowever, the \xe2\x80\x9cpurchase average daily balance\xe2\x80\x9d will be\nconsidered $0 if you pay your Total New Balance in full\nby the billing cycle date and you paid your previous\nbalance in full by the billing cycle date.\n\n7. Payment Holidays\nFrom time to time, we may offer you a payment holiday\nallowing you to skip a minimum payment. Finance charges, if\n\nTo get the \xe2\x80\x9cCash Advance average daily balance,\xe2\x80\x9d each\nday we take the beginning balance of your account\nattributable to Cash Advances that day, add any new\n\nCash Advances or Cash Advance debits that day and\nsubtract any payments or credits attributable to Cash\nAdvances that day. We do not include any unpaid\nfinance charges. This gives us the \xe2\x80\x9cCash Advance daily\nbalance.\xe2\x80\x9d Then we add up all the \xe2\x80\x9cCash Advance daily\nbalances\xe2\x80\x9d for the billing cycle and divide the total by\nthe number of days in the billing cycle. This gives us\nthe \xe2\x80\x9cCash Advance average daily balance.\xe2\x80\x9d There is no\n\xe2\x80\x9cgrace\xe2\x80\x9d period for Cash Advances.\n\nwill pay a Documentary Evidence Charge of $2.50 for each\ndocument. The charge will be added to your Purchase\nBalance.\n\n(2) Determination of the Daily Periodic Rate\nThe daily periodic rate equals the Annual Percentage\nRate (APR) divided by 365.\n\nD. Returned Payment Charge\xe2\x80\x93You will pay a Returned\nPayment Charge of up to $25 if you pay us with a check\nthat your bank will not honor or that is incomplete or if we\nreturn a check unpaid. The charge will be added to your\nPurchase Balance.\n\nBase Rate for ESL Visa Secured Credit Card\xe2\x80\x93 Provided\nthe Past Due Rate does not apply, the annual percentage\nrate will be variable and will equal the highest domestic\nPrime Rate published in the Money Rates section of\nThe Wall Street Journal as of five business days prior to\nthe first day of the calendar month in which the billing\ncycle begins (called the \xe2\x80\x9cIndex\xe2\x80\x9d) plus 11.00 percentage\npoints (11.00%) (called the \xe2\x80\x9cSecured Base Rate\xe2\x80\x9d). The\nSecured Base Rate can change on the first day of each\nbilling cycle.\nPast Due Rate\xe2\x80\x93The APR applicable starting on the first\nday of the first billing cycle after your account becomes\n\xe2\x80\x9cpast due\xe2\x80\x9d and continuing until the billing cycle after the\n\xe2\x80\x9cpast due\xe2\x80\x9d status is corrected will be 18%. Your account\nwill be \xe2\x80\x9cpast due\xe2\x80\x9d if the minimum monthly payment is\nnot made for two consecutive billing cycles.\nEffect of an Increase\xe2\x80\x93An increase in the APR will\nresult in an increase in the finance charge, the monthly\npayment, and the outstanding balance of your account.\nB. Cash Advance Fee\xe2\x80\x93there is no Cash Advance Fee.\nC. Maximum Rate\xe2\x80\x93The APR will not exceed the maximum\nrate allowed by applicable law.\n9. Other Charges\nYou will pay the following other charges as applicable.\nA. Annual Membership Fee\xe2\x80\x93there is no Annual\nMembership Fee.\nB. Documentary Evidence Charge\xe2\x80\x93If you request\ndocumentary evidence of a transaction (for example, a\ncopy of a sales draft or a duplicate monthly statement)\nother than in connection with a billing error inquiry, you\n\nC. Late Fee\xe2\x80\x93You will pay a Late Fee of up to $25 if your\nTotal New Balance on the last day of the billing cycle\nexceeds $25 and your minimum payment has not been\nreceived within three days following the payment due\ndate. The fee will be charged after the third day and added\nto your Purchase Balance.\n\nE. Over the Credit-Limit Fee\xe2\x80\x93there is no Over the CreditLimit Fee.\n10. Default\nYou will be in default if: (i) you fail to make any minimum or\nother required payment by the date it is due; (ii) you violate\nany of the other terms of this Agreement; (iii) you default\nin the payment of any other loan account with ESL; (iv) you\ndie; (v) you file for bankruptcy or become insolvent (unable\nto pay your obligations as they become due); (vi) you make\nany false or misleading statement on any credit application\nor credit update or fail to provide complete and accurate\nfinancial information within 30 days after a request from ESL\nfor the information; (vii) any judgment is entered against\nyou or any of your deposit accounts at ESL are attached\nor levied upon; or (viii) you close your Secured Credit\nCard Daily Dividend Account without also closing your\nESL Visa Secured Credit Card Account or (ix) something\nhappens which ESL believes may substantially reduce your\nability to repay what you owe, including without limitation,\nany reduction in the amount in your Secured Credit Card\nDaily Dividend Account below your credit limit.\nWhen you are in default, ESL has the right to demand\nimmediate payment for your full account balance without\nprior notice. To the extent permitted by law, you will also be\nrequired to pay collection expenses, including court costs\nand reasonable attorney\xe2\x80\x99s fees, incurred by ESL.\n11. GRANTING ESL A SECURITY INTEREST\nIN CONSIDERATION OF ESL ISSUING YOU A CARD,\nYOU PLEDGE, GRANT AND ASSIGN TO ESL A SECURITY\n\nINTEREST IN THE SECURED CREDIT CARD DAILY\nDIVIDEND ACCOUNT YOU OPENED IN CONNECTION\nWITH THIS ESL VISA SECURED CREDIT CARD ACCOUNT.\nTHIS SECURITY INTEREST INCLUDES ALL RENEWALS,\nADDITIONS TO AND PROCEEDS IN THAT DAILY DIVIDEND\nACCOUNT. YOU AGREE THAT THIS ASSIGNMENT AND\nSECURITY INTEREST INCLUDES AND GIVES US THE\nEXCLUSIVE RIGHT TO WITHDRAW FROM THAT DAILY\nDIVIDEND ACCOUNT ANY PART OR THE FULL AMOUNT\nYOU OWE US UNDER THIS AGREEMENT.\n12. Checks and Balance Transfers\nWe will not process a Check or Balance Transfer if: (i) you do\nnot have enough available credit in your account to cover\nthe Check or Balance Transfer in full; (ii) your account or your\nright to obtain advances has been suspended or terminated;\n(iii) your Card or Checks have been reported stolen; (iv) your\nCheck is postdated (shows a future date), although we may\npay postdated Checks as if they had a current date; or (v) you\nare in default under this Agreement. We will not return to you\nthe Checks that are paid but will keep them on microfilm or\nanother storage medium. There is no finance charge grace\nperiod for Checks and Balance Transfers.\n13. How to Stop Payment of a Check or Balance Transfer\nYou may request a stop payment on a Check or Balance\nTransfer by notifying us by telephone at the number shown\non your monthly statement. The request will only be effective\nfor 14 days unless during that period you confirm, in writing,\nwhich describes with certainty the item on which payment\nis to be stopped. Notice must be received by us at ESL,\nCardholder Service, P.O. Box 31112, Tampa, FL 33631-3112 in\na timely manner so as to afford us a reasonable opportunity\nto act upon it. In any event, we may disregard any stop\npayment request six months after we receive it unless you\nrenew it in writing within the six month period. We will use\ncommercially reasonable efforts to stop payment of the\nCheck or Balance Transfer. However, you agree that we will\nnot be responsible in any way if a Check or Balance Transfer\nis processed or otherwise presented for payment after you\nhave requested us to stop payment and, using commercially\nreasonable efforts, we are unable to stop the payment.\n14. Credit Information\nWe may investigate your credit standing and request credit\nreports about you in connection with your Visa Account\nand updates, renewals, extensions and collection activity\n\n\x0c'


b'12. How to Stop Payment on a Balance Transfer\nYou may request a stop payment on a Balance Transfer by\nnotifying us by telephone at the number shown on your\nmonthly statement. The request will only be effective for\n14 days unless during that period you confirm, in writing,\nwhich describes with certainty the item on which payment\nis to be stopped. Notice must be received by us at ESL,\nCardholder Service, P.O. Box 31112, Tampa, FL 33631-3112 in\na timely manner so as to afford us a reasonable opportunity\nto act upon it. In any event, we may disregard any stop\npayment request six months after we receive it unless you\nrenew it in writing within the six month period. We will use\ncommercially reasonable efforts to stop payment of the\nBalance Transfer. However, you agree that we will not be\nresponsible in any way if a Balance Transfer is processed or\notherwise presented for payment after you have requested\nus to stop payment and, using commercially reasonable\nefforts, we are unable to stop the payment.\n13. Credit Information\nWe may investigate your credit standing and request credit\nreports about you in connection with your application and\nupdates, renewals, extensions and collection activity and\nas otherwise permitted by law. At your request, we will tell\nyou whether we requested a report and, if so the name\nand address of the credit reporting agency which provided\nit. We may disclose information about your account to\ncredit bureaus and creditors who inquire about your credit\nstanding.\n14. Returns and Credit Balances\nMerchants and others who honor the Card may give credit\nfor returns or adjustments by sending a credit transaction\nwhich will post to your account. The credit will be applied\nfirst to pay what you owe us under this Agreement. If there is\na credit balance (i.e. a balance in your favor) on your account,\nwe will hold it and apply it to future amounts owed but will\nnot pay you interest on it. We will refund a credit balance to\nyou if you ask. If the credit balance is greater than $50, your\nrequest must be in writing. If a credit balance greater than $1\nremains in your account for six months, we will automatically\nrefund it to you. We may charge to your account or you will\npay us any amount that we refund in error.\n15. Exchange Rates for Foreign Transactions\nPurchases and Cash Advances made in foreign countries and\nforeign currencies will be billed to you in U.S. Dollars.\n\nThe exchange rate between the transaction currency and\nthe billing currency used for processing international\ntransactions is a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable\ncentral processing date, this rate may vary from the rate Visa\nitself receives, or the government-mandated rate in effect\nfor the applicable central processing date, plus 1%.\n16. Monitoring Telephone Calls\nBy using your Card the first time, you authorize ESL and\nits servicer to record and monitor your calls regarding this\naccount.\n17. Responsibility for Use of Card/Notices\nEach person who has accepted and agreed to the terms of\nthis Agreement is individually responsible for all amounts\nowed on the account and all are jointly responsible for all\namounts owed. This means ESL can enforce this Agreement\nagainst any of you individually or all of you together. You are\nresponsible for advances obtained by anyone that one of\nyou authorizes to use the account. Each of you remains fully\nresponsible even if another agreement, a divorce decree, or\na court order directs only one of you or a third party to pay.\nStatements and notices addressed and mailed to any one\nof you at the most recent address we have for you in our\nrecords will be considered to have been sent to all of you.\n18. Liability for Unauthorized Use\nYou may be liable for the unauthorized use of your Card.\nYou will not be liable for unauthorized use that occurs after\nyou notify us orally or in writing at Cardholder Service, P.O.\nBox 31112, Tampa, FL 33631-3112 or at 800.449.7728 (or\nfrom outside the United States at 727.571.2200) of the\nloss, theft or possible unauthorized use. Notwithstanding\nthe above, you may be liable for any amount to the extent\nallowed under applicable law if we determine that you\nwere grossly negligent or fraudulent in the handling of your\naccount.\n19. Governing Law\nAny legal question under this Agreement will be decided in\naccordance with applicable federal and New York State law\nwithout regard to the laws of any other state. This Agreement\nis made, and credit is extended in New York.\n\n20. Change in Terms\nA change in terms notice regarding this account will be\nmade in accordance with applicable regulation.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your\nrights and our responsibilities under the Fair Credit Billing\nAct.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT\nYOUR STATEMENT \xe2\x80\x93 If you think your statement is wrong,\nor if you need more information about a transaction on\nyour statement, write to Cardholder Service, P.O. Box 31112,\nTampa, FL 33631-3112. We must hear from you no later than\n60 days after we sent you the FIRST statement on which\nthe error or problem appeared. You can telephone us at\n800.820.6039, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain if you can, why you\nbelieve there is an error. If you need more information,\ndescribe the item you are not sure about.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE\nRECEIVE YOUR WRITTEN NOTICES \xe2\x80\x93 We must acknowledge\nyour letter within 30 days, unless we have corrected the\nerror by then. Within 90 days, we must either correct the\nerror or explain why we believe the statement was correct.\nAfter we receive your letter, we cannot try to collect any\namount you question, or report you as delinquent. We\ncan continue to bill you for the amount you question,\nincluding finance charges, and we can apply any unpaid\namount against your credit limit. You do not have to pay any\nquestioned amount while we are investigating, but you are\nstill obligated to pay the parts of your statement that are not\nin question.\nIf we find that we made a mistake on your statement, you\nwill not have to pay any finance charges related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may\nhave to pay finance charges, and you will have to make up\nany missed payments on the questioned amount. In either\ncase, we will send you a statement of the amount you owe\nand the date that it is due.\n\nIf you fail to pay the amount that we determine you owe, we\nmay report you as delinquent. However, if our explanation\ndoes not satisfy you and you write to us within 10 days telling\nus that you still refuse to pay, we must tell anyone we report\nyou to that you have a question about your statement. And,\nwe must tell you the name of anyone we reported you to.\nWe must tell anyone we report you to that the matter has\nbeen settled between us when it finally is. If we don\xe2\x80\x99t follow\nthese rules, we cannot collect the first $50 of the questioned\namount, even if your statement was correct.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchased with an ESL credit card, and you have\ntried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount\ndue on the property or services. There are two limitations to\nthis right.\n1. You must have made the purchase in your home state\nor, if not within your home state, within 100 miles of\nyour current mailing address; and\n2. The purchase price must have been more than $50.\nThese limitations do not apply if ESL owns or operates the\nmerchant, or if ESL mailed you the advertisement for the\nproperty or services.\nAccepted by:\nESL Federal Credit Union\nCorporate Headquarters\n225 Chestnut Street\nRochester, NY 14604\n\nESL Federal Credit Union\n\nESL\nCredit Card\nAgreement\nfor:\nESL Visa\xc2\xae Credit Card\nESL Rewards Visa\nSignature\xc2\xae Credit Card\n\nM-124837 (04/18)\n\n\x0cRETAIL INSTALLMENT CREDIT AGREEMENT\n1. Agreement\nThis Agreement is between ESL Federal Credit Union (called\n\xe2\x80\x9cESL\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cwe\xe2\x80\x9d) and each person who accepts the Visa\naccount (called \xe2\x80\x9cyou\xe2\x80\x9d). The word \xe2\x80\x9cCard\xe2\x80\x9d refers to any Visa\nCard(s) or Card number we issue under this Agreement. Sign\nyour Card before you use it. The first use of your Card or the\nCard number means that you accept and agree to be bound\nby all the terms of this Agreement.\n2. Using the Card/Account\nYou may use the Card to make purchases in person, by mail,\nelectronically (through the Internet) or by telephone from\nmerchants and the others who accept Visa Cards. Any financial\nservice provided by ESL Federal Credit Union may be used for\nany transaction permitted by law. You agree that the illegal\nuse of any financial service will be deemed an action of default\nand/or breach of contract and such service and/or other\nrelated services may be terminated at the discretion of ESL.\nYou further agree, should illegal use occur, to waive the right\nto sue ESL for such illegal activity directly or indirectly related\nto it. You also agree to indemnify and hold ESL harmless from\nany suits or other legal action or liability, resulting from such\nillegal use. ESL is not responsible if any merchant refuses to\naccept the Card. You may also obtain cash advances from\nESL, from other financial institutions participating in the\nVisa program, and from ATMs which display the PLUS or\nVISA network logos. (Not all ATMs provide such access and\nyou will need to use your Personal Identification Number at\nthose that do.)\n3. Credit Limit\nWhen we send you the Card, and on each Monthly\nStatement, we will tell you your credit limit. You may request\nan increase in your credit limit by a written application,\nonline application or a telephone request. The portion of\nyour payments applied to the principal may be re-borrowed,\nup to your current credit limit. We can adjust your credit limit\nat any time, including automatic credit line increases for\nthose who qualify or terminate your borrowing privileges at\nany time without prior notice to you. You may not allow the\nbalance outstanding under this Agreement to exceed your\ncredit limit. We may, however, at our discretion, honor your\nrequest for an advance that will exceed your credit limit. If\nwe do, all the provisions of this Agreement will apply to that\nexcess, you will be charged finance charges on the advance,\n\nand you must pay the entire excess to us on demand. We\nmay restrict the amount of your credit limit that can be used\nfor Cash Advances.\n4. Payments\nYou agree to repay all advances made under this Agreement\nin response to a request by you or anyone you authorize and\nall finance charges and all other charges and amounts owed\nunder this Agreement. Within 25 days after the statement\nclosing date each month, you must make a minimum\npayment:\nA. For accounts opened June 1, 2017 through April 30,\n2018 \xe2\x80\x93 The minimum payment will be equal to the sum\nof: (i) the greater of 2.7% of your Total New Balance or $25;\n(ii) any amounts that are past due; (iii) the portion of your\nbalance that exceeds your credit limit; (iv) any applicable\nrewards participation fee then due; (v) any late fees that\nyou owe; and (vi) any other fees you may owe.\nB. For all other accounts \xe2\x80\x93 The minimum payment will be\nequal to the sum of: (i) the greater of 2.0% of your Total\nNew Balance or $30; (ii) any amounts that are past due; (iii)\nthe portion of your balance that exceeds your credit limit;\n(iv) any applicable rewards participation fee then due; (v)\nany late fees that you owe; and (vi) any other fees you may\nowe.\nYou may pay more than the minimum due or your\nentire indebtedness in full at any time. We may allocate\npayments to amounts due in any manner or order chosen\nby us, provided we comply with any applicable laws or\nregulations.\n5. Receipt of Payment\nIf we receive your payment, with a payment stub, at the\naddress indicated on the front of your monthly statement by\n5:00 p.m., Monday through Friday (excluding legal holidays)\nwe will credit it to your account the same day. If your payment\nis received later in the day, it will be credited to your account\nthe next business day. If we receive your payment at another\nlocation or without the payment stub, we will credit it within\nfive business days. We may return without presentment or\nprotest and without credit to your account any check which\nis: (i) missing a signature; (ii) drawn with different numeric\nand written amounts; (iii) postdated; (iv) not payable to ESL;\n(v) not paid upon presentment; (vi) drawn on a bank outside\nthe United States.\n\n6. Irregular Payments\nWe will not lose any rights if we accept late payments, partial\npayments, checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor with similar words or phrases or other irregular payments.\n7. Payment Holidays\nFrom time to time, we may offer you a payment holiday\nallowing you to skip a minimum payment. Finance charges, if\nany, will continue to accrue on your balance at the applicable\nperiodic rate and the period within which you must pay\nthe Total New Balance to avoid paying finance charges on\npurchases will not be extended. The regular payment terms\nwill resume at the end of the payment holiday.\n8. Finance Charge\nThe total finance charge you owe for a billing cycle will be\nequal to the \xe2\x80\x9cPeriodic Rate Finance Charge.\xe2\x80\x9d The minimum\nfinance charge is $.50 in any billing cycle during which\nthere is an outstanding balance in your account subject to\na finance charge. You will continue to pay a finance charge\nat a periodic rate calculated as described in and under\nthis Agreement until what you owe is paid in full. Finance\ncharges can continue to accrue after the date your monthly\nstatement is generated. Therefore, even if you pay the Total\nNew Balance shown on your monthly statement and do not\ntake any additional advances after that date, you may still\nowe additional finance charges which accrued after that\nTotal New Balance was determined.\nA. Periodic Rate Finance Charge \xe2\x80\x93 We calculate the\nPeriodic Rate Finance Charge by (i) multiplying the\napplicable daily periodic rate by (a) the \xe2\x80\x9cpurchase average\ndaily balance\xe2\x80\x9d and (b) the \xe2\x80\x9cCash Advance average daily\nbalance\xe2\x80\x9d; (ii) adding those amounts together; and\n(iii) multiplying the sum by the number of days in the\nbilling cycle.\n(1) Amount to Which Periodic Rate is Applied\nTo get the \xe2\x80\x9cpurchase average daily balance,\xe2\x80\x9d each\nday we take the beginning balance of your account\nattributable to purchases that day, add any new\npurchases or purchase debits that day and subtract\nany payments or credits attributable to purchases that\nday. We do not include any unpaid finance charges. This\ngives us the \xe2\x80\x9cpurchase daily balance.\xe2\x80\x9d Then we add up\nall the \xe2\x80\x9cpurchases daily balances\xe2\x80\x9d for the billing cycle\nand divide the total by the number of days in the billing\n\ncycle. This gives us the \xe2\x80\x9cpurchase average daily balance.\xe2\x80\x9d\nHowever, the \xe2\x80\x9cpurchase average daily balance\xe2\x80\x9d will be\nconsidered $0 if you pay your Total New Balance in full\nby the billing cycle date and you paid your previous\nbalance in full by the billing cycle date.\nTo get the \xe2\x80\x9cCash Advance average daily balance,\xe2\x80\x9d each\nday we take the beginning balance of your account\nattributable to Cash Advances that day, add any new\nCash Advances or Cash Advance debits that day and\nsubtract any payments or credits attributable to Cash\nAdvances that day. We do not include any unpaid\nfinance charges. This gives us the \xe2\x80\x9cCash Advance daily\nbalance.\xe2\x80\x9d Then we add up all the \xe2\x80\x9cCash Advance daily\nbalances\xe2\x80\x9d for the billing cycle and divide the total by\nthe number of days in the billing cycle. This gives us\nthe \xe2\x80\x9cCash Advance average daily balance.\xe2\x80\x9d There is no\n\xe2\x80\x9cgrace\xe2\x80\x9d period for Cash Advances.\n(2) Determination of the Daily Periodic Rate\nThe daily periodic rate equals the Annual Percentage\nRate (APR) divided by 365.\nIntroductory Rate \xe2\x80\x93 An introductory daily periodic rate\nof 0.00% which is equivalent to an APR of 0.00% will be\nused for the first 12 monthly billing cycles following the\ndate on which your account is opened unless the Past\nDue Rate applies (see below).\nPurchase and Balance Transfer Base Rate:\na. ESL Visa Credit Card \xe2\x80\x93 After the introductory rate\nperiod ends, and provided the Past Due Rate does\nnot apply, the APR will be variable and will equal the\nhighest domestic Prime Rate published in the Money\nRates section of The Wall Street Journal as of five\nbusiness days prior to the first day of the calendar\nmonth in which the billing cycle begins (called the\n\xe2\x80\x9cIndex\xe2\x80\x9d) plus 5.00 to 14.24 percentage points based\non your creditworthiness (5.00% to 14.24%) (called\nthe \xe2\x80\x9cBase Rate\xe2\x80\x9d). The Base Rate can change on the\nfirst day of each billing cycle.\nb. ESL Rewards Visa Signature Credit Card \xe2\x80\x93 After the\nintroductory rate period ends, and provided the Past\nDue Rate does not apply, the APR will be variable and\nwill equal the highest domestic Prime Rate published\nin the Money Rates section of The Wall Street Journal\nas of five business days prior to the first day of the\ncalendar month in which the billing cycle begins\n\n(called the \xe2\x80\x9cIndex\xe2\x80\x9d) plus 8.00 to 14.24 percentage\npoints based on your creditworthiness (8.00% to\n14.24%) (called the \xe2\x80\x9cBase Rate\xe2\x80\x9d). The Base Rate can\nchange on the first day of each billing cycle.\nCash Advance Base Rate:\na. For accounts opened June 1, 2017 through April\n30, 2018 \xe2\x80\x93 After the introductory rate period ends,\nand provided the Past Due Rate does not apply,\nthe APR will be variable and will equal the highest\ndomestic Prime Rate published in the Money Rates\nsection of The Wall Street Journal as of five business\ndays prior to the first day of the calendar month in\nwhich the billing cycle begins (called the \xe2\x80\x9cIndex\xe2\x80\x9d)\nplus 6.73 to 14.74 percentage points based on your\ncreditworthiness (6.73% to 14.74%) (called the \xe2\x80\x9cBase\nRate\xe2\x80\x9d). The Base Rate can change on the first day of\neach billing cycle.\nb. For all other accounts \xe2\x80\x93 17.90% (there is no\nintroductory rate on Cash Advances).\nPast Due Rate (Penalty APR) \xe2\x80\x93 The APR applicable\nstarting on the first day of the first billing cycle after\nyour account becomes \xe2\x80\x9cpast due\xe2\x80\x9d and continuing\nuntil the billing cycle after the \xe2\x80\x9cpast due\xe2\x80\x9d status is\ncorrected will be 18%. Your account will be \xe2\x80\x9cpast due\xe2\x80\x9d\nif the minimum monthly payment is not made for two\nconsecutive billing cycles.\nEffect of an Increase \xe2\x80\x93 An increase in the APR will\nresult in an increase in the finance charge, the monthly\npayment, and the outstanding balance of your account.\nB. Cash Advance Fee \xe2\x80\x93 there is no Cash Advance Fee.\nC. Balance Transfer Fee \xe2\x80\x93 there is no Balance Transfer\nFee.\nD. Maximum Rate \xe2\x80\x93 The APR will not exceed the\nmaximum rate allowed by applicable law.\n9. Other Charges\nYou will pay the following other charges as applicable.\nA. Annual Membership Fee \xe2\x80\x93 there is no Annual\nMembership Fee.\nB. Documentary Evidence Charge \xe2\x80\x93 If you request\ndocumentary evidence of a transaction (for example, a\ncopy of a sales draft or a duplicate monthly statement)\n\nother than in connection with a billing error inquiry, you\nwill pay a Documentary Evidence Charge of up to $25\nfor each document. The charge will be added to your\nPurchase Balance.\nC. Late Fee \xe2\x80\x93 You will pay a Late Fee of up to $25 if your\nTotal New Balance on the last day of the billing cycle\nexceeds $25 and your minimum payment has not been\nreceived within three days following the payment due\ndate. The fee will be charged after the third day and added\nto your Purchase Balance.\nD. Returned Payment Charge \xe2\x80\x93 You will pay a Returned\nPayment Charge of up to $25 if you pay us with a check\nthat your bank will not honor or that is incomplete or if we\nreturn a check unpaid. The charge will be added to your\nPurchase Balance.\nE. Over the Credit-Limit Fee \xe2\x80\x93 there is no Over the\nCredit-Limit Fee.\n10. Default\nYou will be in default if: (i) you fail to make any minimum or\nother required payment by the date it is due; (ii) you violate\nany of the other terms of this Agreement; (iii) you default\nin the payment of any other loan account with ESL; (iv) you\ndie; (v) you file for bankruptcy or become insolvent (unable\nto pay your obligations as they become due); (vi) you make\nany false or misleading statement on any credit application\nor credit update or fail to provide complete and accurate\nfinancial information within 30 days after a request from ESL\nfor the information; (vii) any judgment is entered against\nyou or any of your deposit accounts at ESL are attached or\nlevied upon; or (viii) something happens which ESL believes\nmay substantially reduce your ability to repay what you owe.\nWhen you are in default, ESL has the right to demand\nimmediate payment for your full account balance without\nprior notice. To the extent permitted by law, you will also be\nrequired to pay collection expenses, including court costs\nand reasonable attorney\xe2\x80\x99s fees, incurred by ESL.\n11. Balance Transfers\nWe will not process a Balance Transfer if: (i) you do not have\nenough available credit in your account to cover the Balance\nTransfer in full; (ii) your account or your right to obtain\nadvances has been suspended or terminated; (iii) your Card\nhas been reported stolen; or (iv) you are in default under this\nAgreement.\n\n\x0c'


b'ESL Visa\xc2\xae Secured Credit Card Information\n(09/18)\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n16.25%\n\nAPR for\nBalance Transfers\n\n16.25%\nThis APR will vary with the market based on the Prime Rate1.\n\nAPR for\nCash Advances\n\n16.25%\nThis APR will vary with the market based on the Prime Rate1.\n\nPenalty APR and\nWhen it Applies\n\n18.0%\nThis APR may be applied to your account if:\n1. Your minimum monthly payment is not made for two\nconsecutive billing cycles.\n\nThis APR will vary with the market based on the Prime Rate1.\n\nHow long will the Penalty APR apply?\nIf your APRs are increased for the reason above, the\nPenalty APR will be applied until the billing cycle after your\npast due status is corrected.\nPaying Interest\n\nYour due date is at least 25 days after the close of each\nbilling cycle. We will not charge you interest on purchases if\nyou pay your entire balance by the due date each month.\nWe will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than\n$.50.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 International\nService Assessment\n\n1% of transaction amount\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\nOther Fees\n\nUp to $25.00\nUp to $25.00\nNone\n\nWe add 11.0% to the Prime Rate to determine the Purchase, Balance Transfer and Cash\nAdvance Rates. As of 09/27/18, the Prime Rate was 5.25%. Your APR will not exceed the\nmaximum allowed by applicable law, which is currently 18.00%.\n1\n\nSee reverse side for additional information.\n\n\x0cHow we will calculate your balance\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your account agreement for more details.\nBilling Rights\nInformation on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\nSecurity Interest\nWe have or will acquire a security interest in the funds (equal to your credit limit)\nthat you deposited into the ESL Secured Credit Card Savings account, which you\nopened at the same time as this ESL Visa Secured Credit Card account.\n\n\x0c'


b'Secured Credit Card Addendum to\nFirst Bank Cardmember Agreement\nThis Secured Credit Card Addendum (the \xe2\x80\x9cAddendum\xe2\x80\x9d) amends and supplements the First Bank\nCardmember Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d). To the extent that the terms of this Addendum are\ncontrary to the terms of the Agreement, the terms of this Addendum shall control.\nSECURITY AGREEMENT.\nThis is the Security Agreement referred to in your First Bank secured credit card application. Terms not\ndefined in this Addendum shall have the meaning defined in the Agreement.\n1. Collateral. You understand and agree that you have delivered security deposit funds on your\nbehalf to First Bank pursuant to the terms of this Addendum (collectively the \xe2\x80\x9cFunds\xe2\x80\x9d) to secure\nyour First Bank secured credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d). All Funds will be held in an account\n(the \xe2\x80\x9cSecurity Account\xe2\x80\x9d) and/or all amendments, extensions, renewals or replacements of that\nSecurity Account. The Funds are insured by the Federal Deposit Insurance Corporation (\xe2\x80\x9cFDIC\xe2\x80\x9d)\nto the extent permitted by law. You have no right to withdraw from the Security Account other\nthan as provided in this Addendum. The Funds serve as collateral to secure the obligations to\nFirst Bank that you incur in connection with your Account (the \xe2\x80\x9cObligations\xe2\x80\x9d). First Bank will\nmaintain separate records to account for your Funds. First Bank will not send a statement for\nthe Security Account. You understand that if your account is opened jointly by two or more\npersons, First Bank may release Funds relating to joint Accounts upon instruction of any one of\nthe persons in whose name a joint Account has been opened, and will not be liable to any other\nparty to the joint Account for such release. In the case of a joint Account, notice to one joint\ncardholder will be considered notice to all joint cardholders.\n2. Additional Funds. You may be given the opportunity to provide First Bank with additional Funds,\nup to an aggregate card limit established for your Account in order to increase your credit limit.\nAny additional Funds will be added to the Security Account. If you request a decrease in your\ncredit limit, you understand that First Bank may hold Funds in excess of your credit limit. You\nmay not withdraw Funds or request a refund of your Funds at any time, other than by paying all\nof your Obligations to First Bank and closing your Account.\n3. Pledge of Security Interest to First Bank. You hereby pledge and grant to First Bank, as of the\ndate of the delivery of Funds to First Bank, a security interest in the Funds for the purpose of\nsecuring your Obligations and relinquish any right, title and interest in and to the Funds except\nas provided in this Addendum. (For purposes of FDIC insurance, you will be deemed the\nbeneficial owner of the Funds). You agree to take any action requested by First Bank to perfect\nor protect the first lien position of First Bank\xe2\x80\x99s security interest in the Funds. You hereby waive\nthe benefit of your homestead exemption or any other exemptions existing under the laws of\nthe State of North Carolina as to your Obligations and/or the Funds.\n4. Interest on Funds. The Security Account is a non-interest bearing account and accordingly, no\ninterest will paid on the Funds.\n5. Default. You shall be deemed in default under this Addendum if you are in default under the\nterms of the Agreement, including failing to pay your Obligations at any time when due. In the\n\n\x0c6.\n\n7.\n8.\n\n9.\n\n10.\n\nevent of a default, you authorize First Bank to withdraw Funds from the Security Account and to\napply such amounts withdrawn to such Obligations without prior notice to your or a demand for\npayment.\nApplication of Funds to the Account. If your Account is closed by you or by us, or if you are in\ndefault on your Account, we may apply the Funds toward any outstanding balance on the\nAccount. Within sixty (60) days of applying the Funds to your Account, we will return any excess\nFunds to you.\nGoverning Law. This Addendum shall be governed by the laws of the State of North Carolina.\nFirst Bank may assign its rights and obligations under this Addendum.\nCurrent Address. You will advise First Bank of any changes in your mailing address and you\nunderstand that First Bank will rely upon and use the last address provided to us or the U.S.\nPostal Service to communicate with you.\nLegal Proceedings; Disputes. You represent that you are not party to a bankruptcy proceeding\nthat might affect First Bank\xe2\x80\x99s interest in the Funds. You have not or will not attempt to transfer\nany interest in the Funds to any person other than First Bank or offer the Funds as security to\nany other person other than First Bank. You acknowledge that the Funds may be restricted\nwhile any legal proceeding is pending. If First Bank hires an attorney to defend or enforce its\nrights under this Addendum or the Agreement or to collect any Obligation, you will pay First\nBank all reasonable attorneys\xe2\x80\x99 fees and court costs incurred.\nEscheat. You understand that if there is no activity with respect to your Account for a\nprescribed period of time (generally five years), your Funds may be presumed to have been\nabandoned and will be transferred (by a procedure known as \xe2\x80\x9cescheatment\xe2\x80\x9d) to the State of\nNorth Carolina. We will attempt to contact you as provided by law prior to any such\nescheatment.\n\n\x0c'


b'Platinum Non Rewards MasterCard\xc2\xae - Disclosure Summary\nImportant information about this Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\nintroductory APR for the first 9 Billing Cycles following Account opening.\n(APR) for Purchases\nAfter that, your APR will be from\nto\nThis APR will vary based on the Prime Rate\nand your creditworthiness.\nAPR for Balance\n0.00% introductory APR for the first 9 Billing Cycles following Account opening.\nTransfers\nAfter that, your APR will be from 9.15% to 19.15%. This APR will vary based on the Prime Rate and your\ncreditworthiness.\nAPR for Cash Advances\n12.15% to 22.15%, when you open your account, based on your creditworthiness.\n\n0.00%\n\n9.15% 19.15%.\n\nPenalty APR\n\nAfter that, your APR will vary with the market based on the Prime Rate and your creditworthiness.\nNone\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 26 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest\nCharge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nNot applicable\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transaction\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nNone\nNone\nEither $5 or 3% of the amount of each cash advance, whichever is greater.\n2% of each transaction in U.S. Dollars.\nUp to $25*\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nHow We Will Calculate Your Variable APR: Unless an introductory or promotional APR is in effect, we will add a \xe2\x80\x9cMargin\xe2\x80\x9d to an \xe2\x80\x9cIndex\nRate\xe2\x80\x9d to determine your standard variable rate. The Index Rate will be equal to the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) in the Money Rates\nsection of The Wall Street Journal published on the last day of the previous calendar month before the Closing Date shown on your billing\nstatement. At account opening the APRs applicable to your account will be determined by our review of your credit report, information\nyou provide on your application, and other relevant information available to us. You may not qualify for the lowest APRs disclosed\nabove. Periodically while your account is open, we will reevaluate your creditworthiness and determine whether your Account should be\nmoved into a different pricing tier with a higher or lower Margin thereby increasing or reducing, respectively, your APR for Purchases,\nBalance Transfers and Cash Advances.\n* If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed. However,\nthe Late Payment Fee will not exceed the total minimum payment that was due.\nAll account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In\naccordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions,\nbusiness strategies, or for any reason.\n07-2021\n\n\x0c'


b'Lost or Stolen Cards, Checks or Account Numbers: If you lose\n\nCardmember Agreement\n\nor someone steals your card or any other means to access your Account, or\nif you think someone has used your Account without your permission, you\nmust tell us immediately. Call the Bankcard Service telephone number on your\ncard or billing statement. Do not use your Account after you notify us. We may\nend your credit privileges and close your Account if we consider it appropriate.\nYou agree to provide us information to help us find out what happened.\n\nPersonal and Business Credit Card Agreement \xe2\x80\x93 Revised November 2020\n\nAGREEMENT ACCEPTANCE AND AMENDMENTS\nAcceptance: This Agreement governs your credit card Account. You promise\nto pay for all transactions, interest charges and fees assessed on your Account,\nand any past due amounts. The words "we," "us" and "our" mean First Bank,\nwhich is the issuer of your credit card and lender for your Account. The words\n"you," "your," and "yours" mean everyone responsible for this Account, including\nthe person who applied for the Account and the person to whom we provide the\nbilling statements. The word "card" means each card or other access device,\nsuch as Account numbers, that we give you to use your Account.\n\nTYPES OF TRANSACTIONS AND AUTHORIZATIONS\nPurchases: You may use your card to pay for goods or services.\nBalance Transfers: In our discretion, we may allow you to transfer\nbalances from other accounts or loans from other credit card companies,\nother lenders or other balance transfers we may allow, using balance transfer\nchecks we provide. Those uses are "balance transfers". You are not\nauthorized to transfer balances to this Account from other accounts or loans\nwith us or any of our related companies. If you request a balance transfer but do\nnot have enough available credit, we may transfer only a part of the requested\namount.\n\nBy accepting and using the card we issue to you, you agree to accept the terms of\nthis Agreement.\n\nAmendments: We have the right to change the terms of this\nAgreement for any reason, and in any respect, by adding, deleting\nor modifying any provision, including APRs, fees, the Minimum\nPayment and other terms. We can add a new provision\nwithout regard to whether the provision deals with a matter\nalready addressed by this Agreement.\n\nCash Advances: You may use your card to get cash from automatic teller\n\nIn certain circumstances, we are required by law to notify you\nof changes to the terms of this Agreement, and in other\ncircumstances we may not be required to do so. When\nrequired by law to advise you that you have a legal right to\nreject any changes we make, we will provide an explanation\nabout how to do that.\n\nmachines or from banks that accept the card, or by using cash advance\nchecks we may provide. Also, we will treat as cash advances any balance transfer\nchecks made payable to cash, you or other payees we disclose to you. All the\nfollowing uses of your Account will be treated as \xe2\x80\x9ccash advances": purchasing\ntravelers checks, foreign currency, money orders, wire transfers or similar\ncash-like transactions; purchasing lottery tickets, casino gaming chips, race\ntrack wagers or similar betting transactions; and making a payment using a third\nparty service.\n\nIn some circumstances, APRs or other aspects of your Account\nmay change even though the terms of the Account do not\nchange, for example when the Prime Rate changes or the\nPenalty APR becomes applicable. See the Penalty APR section\nabout our right to increase APRs on outstanding balances\nand/or future transactions for events of default including late\npayment.\n\nTypes of Checks/Refusal to Pay Checks: Each balance transfer check\nor cash advance check you write is your request for funds. We may also call\nthem a check or an access check. The check must be signed by the person\nwhose name is printed on it. When we receive an access check for payment,\nwe may review your Account to decide whether to pay that check. We have the\nright not to pay a check for any reason, including but not limited to the following\nexamples:\n\nUSING YOUR ACCOUNT\n\n\xef\x82\xb7 We or one of our related companies is the payee on the check.\n\xef\x82\xb7 The check is post-dated. If a post-dated check is paid, resulting in another\ncheck being returned or not paid, we are not responsible.\n\xef\x82\xb7 You have used the check after the date specified on it.\n\xef\x82\xb7 You are in default (including exceeding your credit line) or would be if we paid\nthe check.\nPromotional Offers: From time to time, we may offer special rates (such as\nlower interest rates or fee waivers) through Balance Transfer or other\npromotional programs. If you take advantage of one of these promotional\nprograms, the resulting balance will be subject to the terms made in that\nspecific promotional offer. Promotional offers may be treated as either Balance\nTransfer or Cash Advance transactions. Each offer will provide details about\nthe terms of the promotion, including the ANNUAL PERCENTAGE RATE, any\ntransaction fees, the effective dates, and any grace period. Convenience\nChecks, Balance Transfer checks, and other promotional programs may not\nbe used to pay all or any portion of any outstanding balance or other obligation\nyou owe us or our affiliates. We reserve the right to decline any Balance\nTransfer transactions on your Account. If applicable, we may end your\npromotional APR and apply the non-promotional APR to new Purchases and\nBalance Transfers if a late payment is made during the promotion period.\n\nConsumer Accounts, which are those accounts held in the name of a natural\nperson, are to be used only for personal, family or household purposes. If\nyour account is a Business Account, which is an account not held in the\nname of a natural person, you represent that your Account will be used\nexclusively for business, commercial, or organizational purposes and not for\npersonal, family or household purposes.\nFurthermore, you promise that you will not allow your Account to be used for\nInternet gambling, and you will not use it for any unlawful purposes or\ntransactions, including check kiting.\n\nAuthorized Users: If you let anyone use your Account, that person is an\nauthorized user. You may request another card for each authorized user. If you\ndo, this Account may appear on the authorized user\'s credit report. You are\nresponsible for all use of your Account including charges by authorized users.\nYou must tell us if you want to stop an authorized user from using your Account.\nIf you do, we may close the Account and issue a new card(s) with a different\nAccount number. It is your responsibility to get any cards, checks or any other\nmeans of access to your Account from the authorized user and destroy them or\nreturn them to us upon request.\n\nBilling Cycles/Statements: Your Account will have time periods called\n\nRefusal to Authorize Transactions: We may decline any transaction on\n\n"billing cycles" or "billing periods." Each billing cycle is about one month in\nlength. We will provide a billing statement each month one is required by\napplicable law.\n\nyour Account for any of the following reasons:\n\xef\x82\xb7 operational matters,\n\xef\x82\xb7 your Account is in default (including exceeding your credit line),\n\xef\x82\xb7 suspected fraudulent or unlawful activity, or\n\xef\x82\xb7 any other reason we choose.\nWe are not responsible for any losses if a transaction on your Account is declined\nfor any reason, either by us or a third party.\n\nCredit Line: We also call this a credit limit. We will assign a credit line to your\nAccount. Your statement will show the amount of your credit line as of the date\nof the statement. If your Account goes overlimit, you must repay the overlimit\namount when it is billed on your monthly billing statement, or sooner if we ask\nyou to. We may, but are not obliged to, allow your Account to go over its credit\nline. We may change or cancel your credit line without telling you ahead of time.\nIf we do, it will not excuse you from your obligations to pay us. We may restrict\nthe extent to which your credit line can be used for different types of transactions\n(for example, purchases, balance transfers and/or cash advances) such as by\nlimiting the dollar amount or number of or time period available for any such\ntransactions, and we may completely prohibit use of your credit line for particular\ntypes of transactions.\n\n1\n\n\x0cPAYMENTS\n\nPERIODIC INTEREST CHARGES\n\nMinimum Payment: You must make your Minimum Payment in a way that we\nreceive it by the time and date it is due. You may make payments greater than\nyour required Minimum Payment. This will reduce the interest charges that\nare added to your Account.\nYour Minimum Payment will ordinarily be the largest of:\n\xe2\x80\xa2 $10 (or total amount you owe if less than $10); or\n\xe2\x80\xa2 3.00% of the New Balance\n\nPeriodic Interest Charge Calculation\xe2\x80\x94Average Daily Balance\nMethod (including current transactions): We figure periodic interest\ncharges for each billing cycle.\n\xef\x82\xb7 To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d, you will take the beginning balance of\nyour Account each day, add any new purchases, cash advances, or balance\ntransfers, and unpaid charges (including unpaid finance charges) and other\ndebits, and subtract any payments or credits. This gives you the daily\nbalance. Then you will add up all the daily balances for the billing cycle and\ndivide by the number of days in the billing cycle. This gives you the \xe2\x80\x9caverage\ndaily balance.\xe2\x80\x9d A purchase, cash advance or balance transfer appearing on\nyour monthly periodic statement is considered part of the outstanding\nbalance from the date of the transaction or the first day of the billing cycle,\nwhichever is later.\n\xef\x82\xb7 Your finance charge is computed by multiplying the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d by the monthly periodic rate which has been disclosed to you at\naccount opening and may vary as provided in such disclosure.\n\nAs part of the Minimum Payment, we will also add any amount past due and we\nreserve the right to add any amounts in excess of your credit line. Even if the\nMinimum Payment does not include amounts in excess of your credit line, you\nmust pay such amounts when billed on your monthly statement or sooner if we\nask you to.\nPayment Instructions: You agree to pay us amounts you owe in U.S. dollars.\nYou must use a check, money order or electronic debit drawn on a US bank\nor a foreign bank branch in the U.S. We will not accept cash payments through\nthe mail. When we receive or apply a payment, we might not restore your\navailable credit by that amount for up to 15 days.\nFor mailed payments, your billing statement and the envelope it comes in give\nyou instructions about how, when and where to make your payments. You must\nfollow these instructions. Your payment will not be credited to your Account\nbefore we receive it at the address we specify for receipt of payments and in\naccordance with the payment instructions.\nIf you make a payment marked as paid in full or indicate that it is to pay all\namounts you owe us, you must send that payment to the address on the front of\nyour statement. We may accept a conditional payment and not agree that it pays\nall amounts you owe on your Account. Also, we may return a conditional\npayment to you and you will still owe us the amount of the payment or any other\namounts owed on your Account.\nYou authorize us to collect any payment check either electronically or by\ndraft. We can collect your payment checks electronically by sending the check\nnumber, check amount, account and routing numbers to your bank. Or we can\ncollect these checks by sending a draft drawn on your bank account. Funds\nmay be taken from your bank account on the same day we receive your\npayment. We will not keep your original check, just a copy of it.\nYou may use our optional services to make payments electronically through our\nwebsite, our Customer Service, or using our Autopay feature. We will provide the\nterms for these payment services before you use them.\n\nPaying Interest: We begin assessing periodic interest charges on a transaction,\nfee, or interest charge from the date it is added to your daily balance as\ndescribed in this Agreement until your Account is paid in full. Your due date\nwill be a minimum of 26 days following the close of each billing cycle. You can\navoid periodic interest charges on new purchases when they are first billed to\na statement, as described below, but not on cash advances, balance transfers or\noverdraft advances.\nIf you receive a current monthly statement that includes new purchases, and\nthen make a payment that we receive by the date and time the Minimum\nPayment is due for that statement, we will not charge periodic interest on any\nportion of the new purchases on that statement that we allocate such payment\nto, so long as your current statement also shows that we received payment of\nthe ending balance for your previous month\'s statement by the date and time its\nMinimum Payment was due or that the ending balance for your previous month\'s\nstatement was zero. If you have a balance other than a purchase balance and\nthe other balance carries a higher periodic interest rate, you may not be able to\navoid periodic interest charges on new purchases if you do not pay your\nbalance in full each month, because we generally allocate payments first to\nthe balance with the highest periodic interest rate.\nSee the Amendments section about our rights to increase APRs and make other\nchanges to your Account for any reason.\n\nPayment Crediting/Allocation: We will apply payments equal to or less than the\nrequired Minimum Payment amount and any credits to balances on your\nAccount in a way that is most favorable to or convenient to us. Generally, and\nexcept as required by law, we will credit payments over the required Minimum\nPayment to balances with the highest APR first. We will then credit payments\nto lower rate balances in descending order of APRs. The manner in which we\napply any payment to your Account balances may affect the amount of any\npayment applied to introductory or promotional financing balances.\nCredit Balances: You may request a refund of any credit balance at any time.\nOtherwise, we will apply it to any new charges on your Account or provide the\nrefund to you as required by law.\nAutomatic Charges: You may allow others to automatically charge repeat\ntransactions to your Account. You will be responsible for making new\narrangements to make those payments if they are stopped for any reason such\nas:\n\xef\x82\xb7 your Account is closed or suspended or.\n\xef\x82\xb7 your Account number changes.\n\n2\n\n\x0cwill inform you of the fee in effect prior to when the applicable service is\nprovided.\nTransaction Fees for Balance Transfers and Cash Advances: We\nmay charge you transaction fees for balance transfers and cash advances.\nThese transaction fees are finance charges and are added to the balance for the\napplicable category of balance transfers or cash advances as of the date of that\ntransaction.\n\nVariable Rates: When you have an APR that varies with changes to the\nPrime Rate, we calculate the APR by adding a margin to the Prime Rate\npublished in The Wall Street Journal on the last day of the previous calendar\nmonth before the Closing Date shown on your billing statement. The "Prime\nRate is the highest (U.S.) Prime Rate published in the Money Rates section of\nThe Wall Street Journal. The APR will change if the Prime Rate changes. The\nnew rate will be applied as of the first day of your billing cycle during which the\nPrime Rate has changed. If the APR increases, you will pay a higher interest\ncharge and may pay a higher Minimum Payment. The Prime Rate is simply a\npricing index and is not the lowest interest rate available. If The Wall Street\nJournal stops publishing the Prime Rate, we will select a similar reference rate.\nFrom time to time, your APR may be subject to a minimum interest rate,\ncommonly referred to as a \xe2\x80\x9cfloor\xe2\x80\x9d. We will publish any floor which may be\nin effect.\n\nDEFAULT/COLLECTION\nYour Account may be in a default if any of the following applies:\n\xef\x82\xb7 we do not receive at least the Minimum Payment by the date and time due as\nshown on your billing statement.\n\xef\x82\xb7 you exceed your credit line.\n\xef\x82\xb7 you fail to comply with the terms of this Agreement or any other agreement\nwith us or one of our related companies.\n\xef\x82\xb7 we obtain information that causes us to believe that you may be unwilling or\nunable to pay your debts to us or to others on time.\n\xef\x82\xb7 you file for bankruptcy.\n\xef\x82\xb7 you become incapacitated or die.\n\nOTHER FEES AND CHARGES\nWe may charge the following fees. Transaction fees are added to the related\nbalance for the type of transaction. All other fees are added to the balance for\npurchases.\nAnnual Fee: If your Account has an annual fee or similar charge, it will be\nbilled each year whether or not you use your Account, and you agree to pay it\nwhen billed. The annual fee is non-refundable unless you notify us that you wish\nto close your Account within 30 days of our providing the statement on which\nthe annual fee is billed and at the same time, you pay your outstanding balance\nin full. Your payment of the annual fee does not affect our rights to close your\nAccount and to limit your right to make transactions on your Account. If your\nAccount is closed by you or us, we will continue to charge the annual fee until\nyou pay your outstanding balance in full and terminate your Account relationship.\n\nIf your Account is in default, we may close your Account without notice and\nrequire you to pay your unpaid balance immediately. To the extent permitted by\nlaw, if you are in default because you have failed to pay us, you will pay our\ncollection costs, attorneys\' fees, court costs, and all other expenses of enforcing\nour rights under this Agreement.\nCLOSING/SUSPENDING YOUR ACCOUNT\nYou may close your Account at any time. We may require you to provide a closure\nrequest in writing. Except as required by applicable law, we may close your\nAccount or suspend your credit privileges or any feature on your Account at any\ntime for any reason, including Account inactivity, without notice. If we close your\nAccount or suspend your credit privileges or any feature, we will not be liable\nto you for any consequences that result. If you or we close your Account, you\nand any authorized users must stop using your Account immediately and destroy\nall cards, checks or other means to access your Account or return them to us\nupon request. You will continue to be responsible for charges to your Account\naccording to the terms of this Agreement.\n\nForeign Transactions/Fees: A Foreign Transaction fee is a fee which will\nbe applied to transactions that take place outside of the United States, even if the\ncurrency used is U.S. Dollars. If a transaction is in a foreign currency, Visa\nInternational or MasterCard International will convert the transaction into U.S.\ndollars by using their own currency conversion procedures. The exchange rate\nwill be determined in one of two ways. Either the rate will come from the range\nof rates available in the wholesale currency markets for the processing date\n(which may be different from the rate the card association receives) or a\ngovernment-mandated rate in effect on that date. The exchange rate used may\ndiffer from the rate on the date of your transaction.\n\nCREDIT INFORMATION\nWe may review your credit history by obtaining information from credit reporting\nagencies and others. We may report information about you and your Account\nto credit reporting agencies. If you request additional cards on your Account for\nothers, we may report Account information in your name as well as in the names\nof those other people. If you think we have reported information to a credit\nreporting agency that is not correct, you may contact the credit reporting agency\ndirectly or you may write to us using the Bankcard Service address listed on\nyour billing statement. Please include your name, address, Account\nnumber, telephone number and a brief description of the problem and a copy of\nthe credit reporting agency report if you have it. We will investigate the matter. If\nour investigation shows that you are right, we will contact each credit reporting\nagency to which we reported the information and will request they correct the\nreport. If we disagree with you after our investigation, we will tell you in writing or\nby telephone.\n\nWe may charge a Foreign Transaction fee that is a percentage of the U.S. Dollar\namount of any foreign transaction as provided to us from Visa or MasterCard.\nThese Foreign Transaction fees are finance charges. The same process and\ncharges will apply again if any Foreign Transaction is reversed.\nLate Fee: We may charge a late fee if we do not receive at least the\nrequired Minimum Payment for any billing cycle by the date and time it is\ndue. If the amount of the late fee is based on a balance, we will use the total\nAccount balance at the end of the day that the late fee is charged to calculate\nthe fee. This date may be as early as the due date for the late payment.\nMinimum Interest Charge: We may charge no less than the minimum\ninterest charge if any periodic interest charge is due for a billing cycle.\nOverlimit Fee: For a Consumer Account, if you agree to allow us to charge\noverlimit fees, we may charge such a fee to the extent allowed by law when\nyour Account goes overlimit. We may charge this fee even though your\nbalance is over the credit line because of a transaction we allowed. You have\nthe right to withdraw your consent to our charging the overlimit fee at any time.\nIf you do so, we will stop charging you the fee.\n\nACCOUNT REVIEW\nAt Account opening, your Account is placed in one of several tiers based on\nyour creditworthiness, and your ANNUAL PERCENTAGE RATE for\nPurchases, Balance Transfers and Cash Advances will be the margin\nestablished for your tier added to the Prime Rate. Periodically, but at least\nonce every six (6) months, we will review your Account history and\ncreditworthiness and determine whether your Account should be moved into\na higher or lower tier, thereby increasing or reducing, respectively, your\nANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash\nAdvances. To lessen rate volatility, this determination will not result in your\nAccount being moved into a higher tier unless the review indicates that your\nAccount should be moved more than one (1) tier higher. Correspondingly,\nyour ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and\nCash Advances will not be increased until your Account has been moved\nmore than one (1) tier higher. We will provide you with notice of any increases\nor reductions in the ANNUAL PERCENTAGE RATES applicable to your\nAccount as required by law.\n\nReturn Check Fee: We may charge a return check fee if:\n\xef\x82\xb7 we stop payment on a cash advance check or balance transfer check at your\nrequest, or\n\xef\x82\xb7 we refuse to pay a cash advance check or balance transfer check.\nReturn Payment Fee: We may charge a return payment fee if:\n\xef\x82\xb7 your payment check or other type of payment is not honored,\n\xef\x82\xb7 an automatic debit or other electronic payment is returned unpaid, or\n\xef\x82\xb7 you did not sign your payment check or it cannot be processed.\nService Fees: We may charge fees if you request a copy of a billing\nstatement, sales draft or other record of your Account, or if you request two or\nmore cards or any special services (for example, obtaining cards on an\nexpedited basis). However, we will not charge fees for copies of documents\nrequested for a billing dispute. Service fees may change from time to time. We\n\n3\n\n\x0c\xef\x82\xb7\n\nIncreases to your ANNUAL PERCENTAGE RATE following Account review\nwill apply only to transactions occurring on and after the date provided in the\nnotice to you of such increase. Reductions to your ANNUAL PERCENTAGE\nRATE will apply both to current and future transactions and to existing\nbalances that are currently at a higher rate.\n\nDescription of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo we are not required to investigate any potential errors and you may have to\npay the amount in question.\n\nExcept upon the expiration of any introductory or promotional ANNUAL\nPERCENTAGE RATES, we will not increase any of the ANNUAL\nPERCENTAGE RATES applicable to your account during the first (12)\nmonths after Account opening.\n\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\n\nCOMMUNICATIONS/CHANGE OFINFORMATION\nWe can provide cards, billing statements and other communications to you at\nany mailing address or email address shown in our records. If you change your\ncontact information such as any mailing address, telephone number or email\naddress, you must notify us immediately in writing at the address shown on\nyour billing statement. Telephone numbers you provide include those you give\nus and/or those we obtain from caller ID processes. We may obtain telephone\nnumber, mailing address and e-mail address information from you or third\nparties, and we may accept mailing address corrections from the United States\nPostal Service.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7\nIf we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xef\x82\xb7\nIf we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\n\nIf more than one person is responsible for this Account, we can provide billing\nstatements and communications to any of you. Notice to one of you will be\nconsidered notice to all of you. You all will remain obligated on the Account. You\nagree to pay any fee(s) or charge(s) for incoming communications from us,\nand/or outgoing communications to us, without reimbursement from us.\nYou authorize us, or anyone acting on our behalf, to call or send a text message\nto any number you provide or to any number where we reasonably believe we\ncan contact you. These include calls to mobile, cellular, or similar devices, and\ncalls using automatic telephone dialing systems and/or prerecorded\nmessages. We may also send an email to any address where we reasonably\nbelieve we can contact you. Some of the legal purposes for calls and\nmessages include: suspected fraud or identity theft; obtaining information;\ntransactions on or servicing of your Account; collecting on your Account; and\nproviding you information about products and services.\n\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has been settled\nbetween us.\n\nTELEPHONE MONITORING ANDRECORDING\nWe and our agents may listen to and record your telephone calls with us. You\nagree that we and our agents may do so, whether you or we initiate the telephone\ncall.\nENFORCING THIS AGREEMENT\n\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD\nPURCHASES\n\nWe can delay enforcing or not enforce any of our rights under this Agreement\nwithout losing our right to enforce them in the future. If any of the terms of this\nAgreement are found to be unenforceable, all other terms will remain in full force.\n\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit\ncard Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing on a separate sheet at the Bankcard Service address\nshown on your billing statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nASSIGNMENT\nWe may assign your Account, any amounts you owe us, or any of our rights and\nobligations under this Agreement to a third party. The assignee will be entitled\nto any of our rights that we assign to that person. You do not have the right to\nassign your account.\nGOVERNING LAW\nThe terms and enforcement of this agreement and your account shall be governed\nand interpreted in accordance with federal law and, to the extent state law\napplies, the law of North Carolina, without regard to conflict-of-law principles.\nThe law of North Carolina, where we and your account are located, will\napply no matter where you live or use the account.\nFOR YOUR INFORMATION\nPlease call the Bankcard Service telephone number on your card or billing\nstatement if you have any questions about your Account or this Agreement.\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us on a separate sheet\nat the Bankcard Service address shown on your billing statement.\n\nTo learn more about factors to consider when applying for\nor using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nIn your letter, give us the following information:\n\xef\x82\xb7\nAccount information: Your name and Account number.\n\xef\x82\xb7\nDollar amount: The dollar amount of the suspected error.\n\n4\n\n\x0c'


b'Secured MasterCard\xc2\xae - Disclosure Summary\nImportant information about this Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n18.15% when you open your account.\n\nAPR for Balance\nTransfers\n\nThis APR will vary with the market based on the Prime Rate.\n18.15% when you open your account.\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\n21.15%, when you open your account.\n\nPenalty APR\n\nThis APR will vary with the market based on the Prime Rate.\nNone\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 26 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest\nCharge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nNot applicable\n\nFees\nAnnual Fee\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\n$48\nThe Annual Fee will be assessed during the first billing cycle.\n\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transaction\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nNone\nEither $5 or 3% of the amount of each cash advance, whichever is greater.\n2% of each transaction in U.S. Dollars.\nUp to $25*\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nHow We Will Calculate Your Variable APR: Unless an introductory or promotional APR is in effect, we will add a \xe2\x80\x9cMargin\xe2\x80\x9d to an \xe2\x80\x9cIndex Rate\xe2\x80\x9d to determine\nyour standard variable rate. The Index Rate will be equal to the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) in the Money Rates section of The Wall Street Journal\npublished on the last day of the previous calendar month before the Closing Date shown on your billing statement.\n* If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed. However, the Late Payment\nFee will not exceed the total minimum payment that was due.\nAll account terms are governed by the Cardmember Agreement and Secured Credit Card Addendum. Account and Agreement terms are not guaranteed\nfor any period of time. By signing and/or submitting the secured card application you understand that the amount deposited by you will be used as collateral\nto secure the obligations to the Bank that you incur from time to time in connection with your Secured Card Account. THE SECURED DEPOSIT ACCOUNT\nDOES NOT EARN INTEREST. The Bank does not send statements for the Secured Deposit Account. The Secured Deposit Account is not payable at a specific\ndate or after a specified period of time. In accordance with the agreement and applicable law, the Bank may change these terms at any time by adding\nnew terms or deleting or amending current terms.\n07-2021\n\n\x0c'