b'~UNION\n\nVisa\xc2\xae Credit Card Agreement and Disclosure\nThis Agreement and Disclosure Statement contains the terms and\ndisclosures which apply to your Visa Credit Card Account ("Account")\nwith Seven Seventeen Credit Union, Inc.\nNotice: See reverse side for important information regarding your\nrights to dispute billing errors.\n1. Meaning of Words. The following words have the following\nmeanings in this Agreement and in the monthly billing statement mailer\nhereunder:\n(a) "Agreement" means the Visa Credit Card Agreement and\nDisclosure furnished by us.\n(b) "We", "Us" and "Ours" mean Seven Seventeen Credit Union,\nInc., (7 17 CU) Warren, Ohio.\n(c) "You" and "Your" means each person who signs this Agreement,\nor Visa Credit Card Application.\n(d) "Card" means any Visa credit card and any duplicates and\nrenewals we issue to you.\n(e) "Account" means your Visa Credit Card Line of Credit Account\nwith us that contains a record of all purchases and cash advances made\nby you under this Agreement.\n(f) "Line of Credit" means the total dollar amount we approve for you\nagainst which you may obtain cash advances under this Agreement.\n(g) "Advance" means any credit extended to you under this\nAgreement for any purchases or cash advances.\n(h) "Cash Advance" means (i) any credit extended to you from us or\nfrom any other institution that accepts the Card (ii) any withdrawal of\ncash made by using your personal identification number ("PIN") at an\nautomated teller machine ("ATM") or other type of electronic terminal\nthat provides access to the Visa system, or (iii) the amount of any Visa\nConvenience Check paid by us.\n(i) "Visa Convenience Checks" means any check that may be issued\nby us to you, from time to time, that directly accesses your Visa Credit\nCard Line of Credit Account. The amount of any Visa Convenience\nCheck paid by us is posted as a Cash Advance under your Account.\n2. How to Use This Account: You can purchase or lease goods and\nservices ("purchases") from a merchant up to your maximum credit limit\nby presenting your Card and signing a sales slip for the amount of the\npurchase. You may also use your Card:\n(a) To obtain cash advances up to your maximum credit limit from\nfinancial institutions that accept a Visa credit card;\n(b) By use of pre-printed Visa convenience checks that we may issue\nyou from time to time;\n(c) By making withdrawals with your Card at an ATM or other type\nof electronic terminal that provides access to the Visa system; or\n(d) By first selecting your Account to provide overdraft protection\nfor your Checking Account and by issuing checks or drafts, or the accrual\nof any charges against your Checking or Money Market Checking\nAccount with Seven Seventeen Credit Union, Inc. in excess of its\nbalance. Advances will be made up to your maximum credit limit by\nautomatic transfer of funds directly into your predesignated Checking\nAccount(s) in multiples of $100. The fee for each transfer is $7.00.\n3. Responsibility. If we issue you a Card you agree to pay all\nadvances under the Account plus FINANCE CHARGES arising from\nthe authorized use of the Card, a Visa convenience check and the Card\naccount. For example, you are responsible for charges made by yourself,\nyour spouse and minor children. You are also responsible for charges\nmade by anyone else to whom you give the Card, and this responsibility\ncontinues until the Card is recovered. Your obligation to\npay the Account balance continues even though an agreement, divorce\ndecree, or other court judgment, to which we are not a party, may direct\n\nyou or one of the other persons responsible to pay the Account. If more\nthan one person signs this Agreement, you are jointly and severally\nresponsible for all charges on the Account.\n4. Liability for Unauthorized Use. You, the cardholder, are not\nliable for any unauthorized transaction that is processed over the Visa\nnetwork. You should notify us immediately in the event your Card is lost\nor stolen or upon your discovery of a transaction which is the result of\nfraudulent activity such as the unauthorized use of the account or the\nCard. We reserve the right to impose liability on You, the cardholder, if\nwe determine that You were negligent in the handling of the account or\ncard.\n5. Lost Card Notification. To report lost or stolen Visa\xc2\xae credit\ncards 24 hours a day call 800-991-4965. To report lost or stolen cards\nduring normal business hours call 330-372-8100, 330-677-0001, 330492-1106, 330-298-0400 or 800-775-7741. For Visa Platinum Card\nemergency assistance 24 hours a day call 800-VISA-911\n(800-847-2911).\n6. Credit Line: If we approve your application, we will establish a\nself-replenishing Line of Credit for you and notify you of its amount\nwhen we issue the Card. You agree not to let the Account balance exceed\nthis approved credit line. Each payment you make on the Account will\nrestore your credit line by the amount of the payment which is applied to\nthe principal balance owed on the Account. You may request an increase\nin your credit line which must be approved by us. By giving you written\nnotice, we may reduce your credit line from time to time, or with good\ncause, revoke your Card and terminate this Agreement. Good cause\nincludes your failure to comply with this Agreement, or our adverse\nreevaluation of your credit worthiness. You may also terminate this\nAgreement at any time, but termination by either of us does not affect\nyour obligation to pay the Account balance. The Card remains our\nproperty and you must recover and surrender to us all Cards, and any\nissued but unused Visa Convenience Checks, upon our request and upon\ntermination of this Agreement.\n7. Credit Information. You authorize us to investigate your credit\nstanding when opening, renewing or reviewing your Account, and you\nauthorize us to disclose information regarding your Account to credit\nbureaus and other creditors who inquire of us about your credit, to the\nextent authorized by our bylaws.\n8. Payments. We will deliver a statement every month showing the\nprevious balance comprised of purchases and cash advances, the current\ntransactions on the Account, the remaining credit available under the\ncredit limit, the new balance of purchases and cash advances, the total\nnew balance, the FINANCE CHARGE due to date, and the minimum\npayment required. Each month you must pay at least the minimum\npayment shown on your statement by the date specified on the statement\nor no later than 25 days from the statement closing date, whichever is\nlater. If your statement says the payment is "Now Due," your payment is\ndue no later than 25 days from the statement closing date. You may pay\nmore frequently, pay more than the minimum payment or pay the Total\nNew Balance in full. If you make extra or larger payments, you are still\nrequired to make at least the minimum payment each month your\nAccount has a balance (other than a credit balance).\nPayment checks must be drawn on a financial institution or other\nentity domiciled in the United States. Otherwise, posting of your\npayment may be delayed if presentment of a check is drawn on a nonUnited States domiciled financial institution or entity. The payment will\nnot be credited to your account until the funds have been collected in\nUnited States dollars. You also agree to allow the Credit Union to debit\nyour account for any collection of processing fees associated with\nhandling this payment.\nThe minimum payment for the Visa Platinum Rewards and Visa\nPlatinum card will be either Two percent (2%) of your total New Balance\nor $10, whichever is greater or your total new balance, if it is less than\n\nTen Dollars ($10) plus any portion of the minimum payment(s) shown\non prior statement(s) which remains unpaid.\nWe also have the right to demand immediate payment of any\namount by which you are over your credit limit.\nWe will apply your minimum payment first to the FINANCE\nCHARGE on balance transfers, cash advances and purchases, then to\nfees, then to the principal balance of promotional cash advances, then to\nthe principal balance of promotional purchases, then to the principal\nbalances of purchases in the order they were posted to your Account, and\nthen to the principal balance of cash advances. Any amount in excess of\nthe minimum payment will be applied to the balance with the highest\nANNUAL PERCENTAGE RATE.\n9. FINANCE CHARGES. You can avoid a FINANCE CHARGE\non purchases by paying the full amount of the New Balance of purchases\neach month within 25 days of your statement closing date. Otherwise,\nany unpaid New Balances of purchases and subsequent purchases from\nthe date they are posted to your Account will be subject to FINANCE\nCHARGES. Cash advances, which include the amount of any Visa\nconvenience checks or balance transfers posted to your account, are\nalways subject to FINANCE CHARGES from the date they are posted\nto your Account.\nIn addition to the ANNUAL PERCENTAGE RATE you will be\ncharged a transaction fee of 3% of the advance for each cash advance\nwith a minimum of $2.00 and a maximum of $15.00. For additional\ndetails on fees and other charges, see paragraph 19.\nA. See Rate Addendum for Rates regarding your account.\nB. Any increase in the ANNUAL PERCENTAGE RATE will\ntake the form of additional payments shown as total minimum\npayments on the statement.\nC. The following information is applicable to each of our Visa\nCredit Card Line of Credit Accounts:\nThe principal balances of purchases and cash advances are\ndetermined each day during the statement period, beginning with the\nprincipal portion of your previous balances, reduced by payments made\nand credits we apply, and increased by purchases and cash advances\nmade and debit adjustments we make during the statement period. The\ndaily principal balances are totaled and divided by the number of days in\nthe statement period, to produce separate average daily principal balances\nfor purchases and cash advances to which the periodic rate is then\napplied.\nAny increase in the ANNUAL PERCENTAGE RATE will take the\nform of additional payments shown as total minimum payments on the\nstatement.\n10. Default. You will be in default if you fail to make any minimum\npayment or other required payment by the date that it is due. You will be\nin default if you break any promise you make under this Agreement. You\nwill be in default if you die, file for bankruptcy, or become insolvent,\nthat is, unable to pay your obligations when they become due. You will\nbe in default if you make any false or misleading statements in any credit\napplication or update of credit information. You will also be in default if\nsomething happens which we believe may substantially reduce your\nability to repay what you owe. When you are in default we can demand\nimmediate payment of the entire amount you owe under this Agreement\nwithout giving you advance notice. If immediate payment is demanded,\nyou will continue to pay interest, at the applicable interest rates in effect\nunder this Agreement, until what you owe has been repaid. If demand\nfor immediate payment has been made, the shares and deposits given as\nsecurity for payment under this Agreement can be applied towards what\nyou owe. We may also take appropriate action as authorized under the\nUniform Commercial Code to repossess any and all collateral pledged to\nsecure repayment under this Agreement. To the extent permitted by law,\nyou will also be required to pay our collection expenses, including court\n\ncosts and reasonable attorneys\' fees. We can also exercise any other\nrights given by law when you are in default.\n11. Money Transfer Services. If you receive any transmittal amount\nfrom any Money Transfer Service (MTS) provider, you agree not to\nreceive more than $2,500 per day or more than $10,000 per month. We\nmay increase or decrease these limits from time to time at our sole\ndiscretion. We reserve the right to accept or reject any MTS request at\nour sole discretion. Each transmittal amount that is sent to your Card\nwill generally be posted to your Card within two (2) Business Days after\nwe receive the Transmittal Amount from the Sender.\n12. Using the Card. You may use the actual Card, Account number\nand/or PIN to make transactions. You will retain the copies of the\ntransaction slips furnished to you in order to verify your monthly\nstatement.\n13. Returns and Adjustments. Merchants and others who honor the\nCard may give credit or returns or adjustments, and they will do so by\nsending us a credit slip, which we will post to your Account. If your\ncredits and payments exceed what you owe us, we will hold and apply\nthis credit balance toward future purchases and Cash Advances, or if it\nis one dollar or more, refund it on your written request or automatically\nafter three months.\n14. Using Visa Convenience Checks. You may use your Visa\nConvenience Checks, if available, as you would use your Card to obtain\na Cash Advance or to make a purchase or payment. Your Visa\nConvenience Checks directly access your Account. All purchases,\npayments and Advances made with a Visa Convenience Check and paid\nby us are treated as Cash Advances hereunder and, except as otherwise\nindicated, are subject to all terms of this Agreement pertaining to Cash\nAdvances and to the following additional terms:\nA. No Visa Convenience Check may be used to make a payment on\nyour Account.\nB. Only the person whose name appears on a Visa Convenience\nCheck may use them.\nC. Visa Convenience Checks must be written in U.S. Dollars in an\namount not less than $100. Visa Convenience Checks may not be\ncertified.\nD. We may return a Visa Convenience Check unpaid if there is not\nenough available credit on your Account to pay it, if your\nAccount is in default, or if your Card or any Visa Convenience\nChecks have been reported lost or stolen. A $35 fee will be\ncharged for each returned Visa Convenience Check unless it has\nbeen reported lost or stolen.\nE. If you are issued checks to access your account and you stop\npayment on a check, your account will be charged $35 for each\nstop payment.\n15. Foreign Transactions. Purchases and Cash Advances made in\nforeign countries and foreign currencies will be billed at a rate selected\nby Visa from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the\nrate Visa itself receives, or the government-mandated rate in effect for\nthe applicable central processing date; in each instance, plus or minus\nany adjustment determined by the Issuer. The adjustment may show as\na separate entry on your account. You may be blocked from using your\ncard in any country with which the US has sanctions and or high fraud\ncountries.\n16. Internet Transactions: You are blocked from using your card\non any internet gambling sites.\n17. Merchant Disputes. We are not responsible for the refusal of\nany merchant or financial institution to honor your Card or Visa\nConvenience Checks.\n18. Overdrafts. You may use your Visa Account as part of your\noverdraft protection plan for your 7 17 Checking Account. Overdrafts\nwill be handled in accordance with our overdraft procedures as stated in\n\n\x0cthe Membership and Share Account Agreement and Disclosure that you\nreceived when you opened your Account and/or by your overdraft\nprotection options that you signed with us.\n19. Fees and Other Charges. The following fees and other charges\nwill be added to your Account, as applicable:\nA. Annual Fee. None.\nB. Late Payment Fee. If you fail to pay the minimum payment\non your Account within ten (10) days of the disclosed due date,\na late payment fee of up to $35 will be added to your Account.\nC. Over-Limit Fee. If your balance exceeds your established\ncredit limit at any time during the statement period, an overthe-credit limit fee of up to $35 will be added to your Account.\nUnless you provide us your consent, we will decline any\ntransaction that causes you to go over your established\ncredit limit. Only when you have opted-in to over-the-credit\nlimit transactions, through any of the options below, Seven\nSeventeen may allow you to exceed your credit limit and\ncharge an over-the-credit limit fee of up to $35 for doing so.\nAny over-the-limit fee charged to your account will appear on\nyour VISA\xc2\xae Statement. You will only pay one fee per billing\ncycle, even if you go over your limit multiple times in the same\ncycle. If you remain over your credit limit for the following\ntwo (2) billing cycles, you will be charged an over-the-credit\nlimit fee in each billing cycle. Even if you request over-thecredit-limit coverage, in some cases we may still decline a\ntransaction that would cause you to go over your limit, such as\nif you are past due or significantly over your credit limit.\nImportant: You have the right to revoke your over-the-creditlimit coverage at any time.\nTo authorize or rescind over-the-credit-limit transactions\non your Seven Seventeen VISA, simply:\n\xef\x82\xa7\nCall us at any of these numbers: 330-372-8100, 330726-0344, 330-793-2495, 330-677-0001, 330-5349002, 330-492-1106, 330-298-0400, 800-775-7741\n\xef\x82\xa7\nVisit any branch office (call or visit www.717cu.com\nfor locations)\n\xef\x82\xa7\nGo to www.717cu.com to Opt in online.\nYou may not opt-in to over-limit transactions on Share\nSecured VISA\xc2\xae cards. Based on your account status, we may\nchoose to not permit you to opt-in or we may opt you out of\nthe program.\nD. Returned Payment Fee. If a payment is returned for any\nreason, you will be assessed a $35.00 returned payment fee.\nThis fee may be added to your loan balance.\nE. Card Replacement Fee. You will be charged $5 for each\nreplacement Card that is issued to you for any reason.\nF. Application Fee. If, as a condition for opening your Account,\nwe require your Visa Account to be share-secured, you may be\ncharged an application fee of $25.\nG. Cash Advance Fee. You will be charged a transaction fee of\n3% of the Advance Amount for each Cash Advance (minimum\n$2, maximum $15). You will be charged a transaction fee\n(minimum $2, maximum $15) equal to 3% of the amount of\neach Visa Convenience Check paid by us and posted to your\nAccount as a Cash Advance\nH. Balance Transfer Fee. For each Balance Transfer completed\nduring the promotional introductory period, you will be\ncharged a transaction fee of 3% of the transfer amount, or $5,\nwhichever is greater. No Balance Transfer Fee will apply after\nthe promotional introductory period.\nI.\n\nAdditional Charges. Whenever we are requested by you or\nany other person not connected with us, to conduct any type of\n\nresearch in connection with your Account, we will charge you\na fee of $12.50 per half hour for our research time and $.15 for\neach page of copied material (except when the request is made\nin connection with a billing error made by us).\nJ. Returned Statement Fee. You will be charged $3 for each\nstatement that is returned to us as undeliverable.\nK. Copies of Visa Slips. You will be charged $10 for each copy\nof a Visa slip that you request.\nL. Stop Payment on Check. You will be charged $35 for each\nstop payment made on your Visa Convenience Checks. If the\ncheck is presented for payment you will be charged an\nadditional $5.\nM. Transaction Fee for Purchase and Cash Advance Made in\nForeign Currency. You will be charged 3% of the amount of\nforeign currency transaction after conversion to US dollars.\nN. Transaction Fee for Purchase and Cash Advance Made in\na Foreign Country in US Currency. You will be charged 3%\nof the amount of the transaction.\nO. Priority Card Fee. $15.00\n20. Skip Payment Option. We may allow you, from time to time, to\nomit a monthly payment. We will notify you as to any month in which\nthe option is available. If you omit a payment, FINANCE CHARGES\nand insurance premiums, if any, will accrue on your balance in\naccordance with this Agreement. A skip payment does not extend the\nperiod within which you must pay the New Balance Total in order to\ncompletely avoid FINANCE CHARGES on purchases. A minimum\npayment will be due in the month following the month in which you skip\nyour payment.\n21. Effective Agreement. This Agreement is a contract which\napplies to all transactions on your Account, even though the sales, Cash\nAdvances, credits or other slips you sign or receive, may contain\ndifferent terms. We may amend this Agreement from time to time by\nsending you advance written notice as required by law. Your use of the\nCard, or Visa Convenience Check, thereafter will indicate your\nagreement to any such amendment. To the extent the law permits, and as\nwe indicate in our notice to you, amendments will apply to your existing\nAccount balance as well as to future transactions. This Agreement shall\nbe construed in accordance with the laws of the State of Ohio and\nrelevant Federal Laws.\n22. Security Interest. You agree that the Credit Union has a security\ninterest in the account as identified in the Credit Card Application.\nFurther, you agree that future funds deposited in that account are also\nsubject to the Credit Union\'s security interest. In no event shall the Credit\nUnion take a security interest in Individual Retirement Accounts or other\naccounts, which it is forbidden to attach by law. Collateral securing\nother loans with us may also secure this loan.\n23. Illegal use of Card. Any financial service provided by the Credit\nUnion may only be used for any transaction permitted by law. You agree\nthat illegal use of any financial service will be deemed an action of\ndefault and/or breach of contract and such service and/or other related\nservices may be terminated at the discretion of the Credit Union. You\nfurther agree, should illegal use occur, to waive the right to sue the Credit\nUnion for such illegal activity directly or indirectly related to it. You also\nagree to indemnify and hold the Credit Union harmless from any suits or\nother legal action or liability, directly or indirectly, resulting from such\nillegal use. Such illegal use includes but is not limited to gambling and\nany withdrawal of funds with the intent to conduct illegal activity. You\nagree not to use your card or allow your card to be used for any illegal\ntransaction.\n24. Transfer of Account. You cannot transfer or assign your account\nto any other person.\n25. ScoreCard Rewards. If you have our Platinum Rewards\nCard; for every purchase you make you earn Bonus Points with the\n\nScoreCard Rewards program. Bonus Points are redeemable toward the\nbest in brand-name merchandise, cash, gift cards and travel awards. See\nwww.scorecardrewards.com for full details. Purchases made by or for a\nbusiness or for business purposes and unauthorized/fraudulent\ntransactions do not earn points. We may discontinue the Score Card\nRewards service at any time.\nYOUR BILLING RIGHTS\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR\nSTATEMENT\nIf you think there is an error on your statement, write to us at:\nSeven Seventeen Credit Union, Inc.\nATTN: VISA\n3181 Larchmont Ave. NE\nWarren, OH 44483-2498\nYou may also contact us on the Web: www.717cu.com\nIn your letter, give us the following information:\n\xef\x82\xa7 Account information: Your name and Account Number\n\xef\x82\xa7 Dollar amount: The dollar amount of the suspected error\n\xef\x82\xa7 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xef\x82\xa7 Within 60 days after the error appeared on your statement\n\xef\x82\xa7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing (or\nelectronically). You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in\nquestion.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n\xef\x82\xa7 Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n\xef\x82\xa7 Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xa7 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xef\x82\xa7 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount\n\xef\x82\xa7 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xef\x82\xa7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xa7 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xef\x82\xa7 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\n\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR\nCREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the 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\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card 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\nthe purchase, contact us in writing (or electronically) at:\nSeven Seventeen Credit Union, Inc.\nATTN: VISA\n3181 Larchmont Ave. NE\nWarren, OH 44483-2498\nwww.717cu.com\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\nThe Federal Equal Credit Opportunity Act prohibits creditors from discriminating against\nany aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital\nstatus or age (provided the applicant has the capacity to contract); or because all or part of the\napplicants\xe2\x80\x99 income derives from any public assistance program; or because the applicant has in\ngood faith exercised any right under the Consumer Credit Protection Act.\n\n3181 Larchmont Ave NE\nWarren, Ohio 44483 330-372-8100\nwww.717cu.com\n\nT:Visa Disclosure 09-19\nRev: 09/27/19\n\n\x0c'


b'CONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card Account\nOpening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of\nthe Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who agree to be bound by\nthis Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to\nyou; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit Union" means the Credit\nUnion whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you. You\nagree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which\nyou will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over\nthe credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to\na fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of\nthe paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right to opt in to the Credit Union\xe2\x80\x99s program whereby it will\nhonor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program.\nYou may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase\nor decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited\nby law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to\nyou that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If\nyou use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to\nstop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in\nwriting. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact account\nnumber, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a\nstop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time.\nWritten stop payment orders are effective only for six months and may be renewed for additional six month periods by requesting\nin writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we recredit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing\nthe dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist\nus in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The credit union is not\nresponsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services\nover the Internet, you may be required to provide card number security information before you will be permitted to complete the\ntransaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accept your\ncard, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM\ntransactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you\nmust use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is\nillegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible\nfor all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your\naccount, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of\ncash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers and\nmoney orders. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience\nchecks or any other charge) made to your account by you or anyone you authorize to use your account. You also promise to\npay all finance charges and other charges added to your account under the terms of this Agreement or another agreement you\nmade with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on\nthe Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the\npayment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for\nyour account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance\ntransfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial\nrate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower\nthan the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates\nand the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate\nperiod expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction\nbased on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge for that\nbilling cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the\nprevious cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the\ndate a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDNYGH7 (MXC503 CCM004)-e\n\nM-116528\n\n\x0cthe entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to accrue\non cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance\nis posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed\nby applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases,\nwe take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or\ncredits. This gives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances.\nTo calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each\nday, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance.\nThis gives us the daily balance of cash advances. We then add all of the daily balances of cash advances for the billing cycle\ntogether and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances.\nBalance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your account\nin U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international\ntransactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been\nused on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all\nsingle currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is\nany transaction that you complete or a merchant completes on your card outside of the United States, with the exception of\nU.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your\naccount, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may\nalso be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the fee\nas disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a balance\nfrom an account of another creditor to the account subject to this Agreement.\nb. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a\nfee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nc. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you\ndo not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth\non the Disclosure accompanying this Agreement.\nd. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ne. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account\nwhen a payment is returned for any reason.\nf. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when\nthe request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for\neach copy of a sales draft or statement that you request.\ng. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may\nbe charged to your account for each copy of a sales draft or statement that you request (except when the request is made\nin connection with a billing error made by the Credit Union).\nh. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing delivery of the card is also available by standard mail service, without\npaying a fee for delivery.\ni. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make a\npayment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date specified on the\nstatement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make\nextra or larger payments, you are still required to make at least the minimum payment each month your account has a balance\n(other than a credit balance). The minimum payment is 2.00% of your total new balance, or $27.00, whichever is greater, plus the\namount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount you\nare over your credit limit by the date specified on the statement. The Credit Union also has the right to demand immediate payment\nof any amount by which you are over your credit limit. In accordance with applicable law, the Credit Union may not post payments\nto your account or reflect them in your available credit limit on the date they are received. The Credit Union may delay replenishing\nyour credit limit until the date the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit Union in\nany manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate and any remaining portion to the other balances in descending order based on applicable annual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and under any\n\nM-116528\n\n\x0ccommon law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares\nby signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have\nbeen specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment\nunder state or federal law if given as security. These other shares may be withdrawn unless you are in default\nunder this agreement. You authorize the Credit Union to apply the balance in your individual or joint share accounts\nto pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be\nconsidered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date that it\nis due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for\nbankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you\nmake any false or misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance without\ngiving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged\nbefore default, until what you owe has been paid, and any shares that were given as security for your account may be applied\ntowards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us immediately,\norally or in writing, at 9 Law Drive, Fairfield, NJ 07004 or telephone 1-855-PSFCU-4U (1-855-773-2848) Monday through Friday\n8:00 a.m. to 7:00 p.m. Eastern Time, 1-855-PSFCU-4U (1-855-773-2848) Saturday 8:00 a.m. to 3:00 p.m. Eastern Time or 1855-594-9459 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be\nliable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of\nthe loss, theft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your credit card,\nunless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of this\nAgreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not\naffect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all applicable\nlaws and regulations regarding repayment requirements. You are also responsible for all transactions made to your account\nafter termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union\nall cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the\nparagraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for authorized\nusers that you designate. You must notify us in writing of any termination of an authorized user\'s right to access your account.\nYour letter must include the name of the authorized user and your account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s card and any convenience or other access checks issued to the authorized\nuser. If you cannot return the authorized user\'s card or access checks and if you request your account to be closed, we will\nclose your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit standing\nwhen opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to\ncredit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about\nyou and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or adjustments,\nand they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments\nexceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit\nbalance amount is $1.00 or more, it will be refunded upon your written request or automatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional services to\nyour account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution to\nhonor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services\nyou purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant\nor service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in\nsending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all amounts\nowed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount\nowed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of\nyou may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even though\nthe sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate address you\n\nM-116528\n\n\x0chave given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the terms\nand conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged\noral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of\nthis Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling transaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions\nas set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are subject to applicable\nnotice requirements. Please refer to the Disclosure for additional information regarding the Penalty Rate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and the\nCredit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS\nNOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT\nPAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing 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 at the address listed on your statement. In your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\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 letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 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 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card 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, contact us in writing or electronically at the address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nM-116528\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nEXTREME VISA/VISA SECURED\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nExtreme Visa\n\n1.99% Introductory APR for a period of twelve billing cycles.\nAfter that, your APR will be\n\n8.90%, 9.90%, 10.90% or\n\n15.90%, based on your creditworthiness.\nVisa Secured\n\n15.90%\nAPR for Balance Transfers\n\nExtreme Visa\n0.00% Introductory APR for a period of twelve billing cycles.\nAfter that, your APR will be 8.90%, 9.90%, 10.90% or 15.90%, based on\nyour creditworthiness.\nVisa Secured\n15.90%\n\nAPR for Cash Advances\n\nExtreme Visa\n1.99% Introductory APR for a period of twelve billing cycles.\nAfter that, your APR will be 8.90%, 9.90%, 10.90% or 15.90%, based on\nyour creditworthiness.\nVisa Secured\n15.90%\n\nPenalty APR and When it Applies\n\nExtreme Visa\n18.90%\nVisa Secured\n21.90%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01206269-MXC10-C-2-091318 (MXC101-E)\n\n\x0cMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n$10.00 or 2.00% of the amount of each balance transfer, whichever is\ngreater\nNone\nUp to $20.00\nUp to $20.00\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\nPromotional Period for Introductory APR - Extreme Visa:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account\nduring the first 12 months following the opening of your account. Any existing balances on Scott Credit Union loan or credit\ncard accounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases, balance transfers and cash advances and apply the Penalty APR if\nyou are 60 days late in making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: November 01, 2018\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Extreme Visa and Visa Secured are secured credit cards. Credit extended under this\ncredit card account is secured by various personal property and money including, but not limited to: (a) any goods\nyou purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares\nin an Individual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant\nus but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity,\nyou will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered\nborrower; or (ii) you cease to be a covered borrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01206269-MXC10-C-2-091318 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge):\n$10.00 or 2.00% of the amount of each balance transfer, whichever is greater.\nOver-the-Credit Limit Fee:\n$20.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$20.00 or the amount of the returned convenience check, whichever is less.\nCard Replacement Fee:\n$20.00.\nPay-by-Phone Fee:\n$10.00.\nRush Fee:\n$25.00.\nBalance Transfer stop payment Fee - Extreme Visa:\n$10.00.\nConvenience Check Stop Payment Fee - Extreme Visa, Visa Secured:\n$10.00.\nBalance Transfer Stop Payment Fee - Visa Secured:\n$10.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01206269-MXC10-C-2-091318 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nEXTREME VISA/VISA SECURED\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Scott Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of\ncredit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 1.00% of Your total New Balance, plus any interest accrued, any amount past due, and\nany amount that exceeds the credit limit; or $25.00, whichever is greater. If Your total New Balance is less than $25.00,\nthen Your Minimum Payment Due is the amount of the total New Balance. You may pay more frequently, pay more than\nthe Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of\nthat statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\nPage 2 of 6\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0ctransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 70,\nEdwardsville, IL, 62025 or call Us at 866-839-3485, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nPage 3 of 6\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0cclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nIllinois.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\nPage 4 of 6\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0c31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing 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 at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\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 letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report 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, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\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 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card 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, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n01206269-MXC30-C-1-032219 (MXC303-E)\n\n\x0c'