b'\xf0\x9f\x91\xa4 Sign In\n\n\xe2\x8e\x99 Print\n\nThe L Card Visa\xc2\xae Credit Card Account\nIssued by Beneficial State Bank\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\n\n19.99% - 30.99% Your APR will vary with the market based on the Prime Rate.*\n\nPurchases\n\nAPR for Cash Advances\n\nHow to Avoid Paying\nInterest/Paying Interest\n\n19.99% - 30.99% Your APR will vary with the market based on the Prime Rate.*\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date or the firstday of the billing cycle in\nwhich the transaction is posted, whichever is later.\n\nMinimum Interest Charge\n\nFor Credit Card Tips from the\nConsumer Financial Protection\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nBureau\n\nFees\nSet-up and Maintenance Fee\n\nNOTICE: Some of these set-up and maintenance fees will be assessed before you begin using\nyour card and will reduce the amount of credit you initially have available. For example, if you are\nassigned the minimum credit limit of $300, your initial available credit will be only about $240.\n\nAnnual Fee\n\n$0.00 - $60.00\n\nCash Advance Fee\n\nThe greater of $10.00 or 3.00% of each cash advance.\n\nTransaction Fee\nForeign Transaction\n\nIf the transaction occurs at a merchant outside of the U.S., the fee is 3.00% of the U.S. dollar\namount of the transaction, regardless of whether a currency conversion is performed at the time\nof the transaction.\n\n\x0cPenalty Fees\nLate Payment\nReturned Payment\nOver-the Credit Limit\n\nUp to $7.00\nUp to $25.00\nNone\n\nHow We Will Calculate Your Balance:\nWe use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See your Cardholder Agreement for more details.\nBilling Rights:\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\n*How We Calculate Variable Rates: For each billing period, variable rates may change when the Prime Rate changes. We calculate\nvariable rates by adding a margin to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the Journal is\nnot published on that day, then see the immediately preceding edition. If the Prime Rate changes, your new rate will take effect on your\nnext billing period.\na) The margin which will be added to the Prime Rate for purchases is 16.74% - 26.74% (daily periodic rate currently 0.054767124% 0.08490411%).\nb) The margin which will be added to the Prime Rate for cash advances is 16.74% - 26.74% (daily periodic rate currently 0.054767124%\n- 0.08490411%).\nAny increase in the Prime Rate may increase your Interest Charges and your Minimum payment.\n\nYOUR CARDHOLDER AGREEMENT INCLUDES AN ARBITRATION AGREEMENT.\nPLEASE SEE BELOW FOR DETAILS.\nTHE L CARD VISA\xc2\xae CREDIT CARD CARDHOLDER AGREEMENT\n(Effective: October 2017)\nThis L Card Visa\xc2\xae Credit Card Cardholder Agreement, together with your L Card Visa\xc2\xae Credit Card Account Opening Disclosure,\nArbitration Agreement, card carrier and credit card application (collectively, the \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the use of The L Card Visa\xc2\xae credit\ncard (\xe2\x80\x9cCard\xe2\x80\x9d) and related credit account (\xe2\x80\x9cAccount\xe2\x80\x9d). All of the separate documents governing the Account, and any future changes we\nmay make to this Agreement, are part of this Agreement. Please read this Agreement and retain a copy for your records. The date of this\nAgreement is set forth on your card carrier. However, this Agreement will only become effective if and when you (or a person authorized\nby you) activate your card by following the instructions on the sticker on the card or contact us with your request to activate the card, and\nmake a transaction using the card. Prior to then, you will not be responsible for any Card transaction if the Card is lost or stolen. Your first\ntransaction must be a Purchase (as defined below) and not a Cash Advance (as defined below). Your use of the Card is your consent to\nbe bound by the terms of this Agreement.\nThe Card is issued by Beneficial State Bank (\xe2\x80\x9cBSB\xe2\x80\x9d), 1438 Webster St #100, Oakland, CA 94612, pursuant to a license from Visa U.S.A.\nInc. BSB is the creditor and Card issuer, and assigns its rights for servicing and other rights to LendUp Card Services, Inc. (\xe2\x80\x9cLendUp\nCard Services\xe2\x80\x9d). As used in this Agreement: \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean BSB as the Card issuer and creditor, or LendUp Card Services as\nservicer, and any assignee of either of their rights. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean all persons responsible for complying with this\nAgreement, including the applicant, any guarantor and the person to whom we address Account statements (the \xe2\x80\x9cPrimary Cardholder\xe2\x80\x9d).\nUse of the Card and Account: You may use the Card to make transactions only for personal, family or household purposes from any\nperson or establishment accepting the Card (each such transaction, a \xe2\x80\x9cPurchase\xe2\x80\x9d), to obtain cash advances from us or obtain cash or\ncash equivalents (each such transaction, a \xe2\x80\x9cCash Advance\xe2\x80\x9d) and to take advantage of other features of the Card. Cash Advances\ninclude: (a) using any convenience check we provide you; (b) obtaining funds through an automated teller machine (ATM) or a financial\ninstitution; (c) purchasing a wire transfer, money order, foreign currency, travelers checks, lottery ticket, stored value load or other item\nthat is a cash equivalent; (d) making a balance transfer from another account if we allow such transfers; or (e) engaging in any similar\ntransaction.\n\n\x0cYou agree to use the Card and Account only for legal and lawful purposes. Neither the Card nor the Account may be used for gambling\npurposes, whether online or otherwise, or for the purpose of paying us on this or any other form of credit account you may have with us.\nIf you do use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or\nterminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your\nAccount at the time it is closed.\nPromise to Pay: You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges\ncharged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use\nthe Card even if their use of the Card exceeds the authorization which you gave them.\nPreauthorized Recurring Merchant Transactions: You may authorize a merchant to automatically initiate a transaction on a recurring\nbasis to your Account. Upon the issuance by us of a new Card with a new Account number or expiration date, you may be required to\ncontact the merchant to provide such updated information in order to continue the recurring transactions.\nForeign Currency Transactions: If you make a transaction using your Account in a foreign currency (including, for example, online\npurchases from a merchant located outside of the U.S.), the transaction will be converted to U.S. dollars based on a rate selected by\nVISA U.S.A. Inc. (or any of its affiliates) from the range of rates available in wholesale currency markets for the applicable central\nprocessing date (which may vary from the rate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect for the\napplicable central processing date. The currency conversion rate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency\nconversion date may differ from the exchange rate in effect on the day you made the transaction or on the day the transaction is posted\nto your Account. Our fee is a percentage of the U.S. dollar amount of the transaction.\nCredit Limits: Your card carrier we have provided you sets forth the initial total credit limit for your Account which includes your separate\ncredit limit for Cash Advances. On your monthly statements, we will provide information about your credit limits and remaining credit as of\nthe monthly statement date. You agree not to engage in any transaction (an \xe2\x80\x9cOver-the-Credit Limit Transaction\xe2\x80\x9d) that would cause any\noutstanding balance to exceed a credit limit (or would increase the amount by which any outstanding balance exceeds a credit limit). We\nare not required to honor any Over-the-Credit Limit Transaction even if we have honored one or more Over-the-Credit Limit Transactions\nin the past. However, if we do, you agree to pay upon demand the amount that is in excess of the applicable credit limit.\nWe will evaluate your Account at least once within your first 12 months as a customer with us to determine whether you are eligible to\nhave your credit limit increased from your initial credit limit as stated on your card carrier based on certain factors, including but not\nlimited to: 1) your history of on-time payments; 2) whether you are in good standing with our other products; 3) whether the Account is or\nhas been over the limit; 4) whether or not the Account is currently or has been restricted from charging privileges; 5) whether or not you\nhave closed the Account or have filed for bankruptcy; 6) whether you have an actual ability to pay the higher credit limit. At any time after\nyour Account has been considered for a credit limit increase during your first 12 months as a customer with us, at our discretion, and\nsubject to applicable law, we may increase or decrease your credit limits at any time and will provide you notice if we do so.\nCash Advance Limit: Your Account is subject to a Cash Advance limit equal to 25% of your total credit limit. This means we will not\nhonor Cash Advance transactions that would cause the total amount of outstanding and unpaid Cash Advances to exceed 25% of your\noverall credit limit.\nPayments:\na. Payment Amount. Your Account will be on a monthly billing cycle. Each month, you must pay at least the Total Minimum Payment by\nthe Payment Due Date shown on your monthly statement. The Total Minimum Payment is the New Balance shown on your monthly\nstatement if the amount is equal to or less than $25.00. Otherwise, it is the greater of 3.00% of the New Balance (rounded up to the\nnearest dollar) or $25.00, plus any amount past due. You may pay more than the Total Minimum Payment or you may pay the total\noutstanding balance at any time.\nWe may accept late payments, partial payments, or any payments marked or specially designated as being payment in full or as\nbeing similarly in settlement of any dispute, without losing any of our rights under this Agreement or under the law to collect all\namounts due and payable on your Account. Our acceptance of such payments does not mean we agree to change this Agreement in\nany way. You agree not to send us any postdated checks. If you do, we may deposit it immediately upon receipt, despite the later date\non the check.\nIf you make a payment greater than your Total Minimum Payment, this does not affect your obligation to make the next Total Minimum\nPayment. We do not pay interest on overpayments or any other credit balances created in your Account. Credits to your Account,\nsuch as from merchants, are generally not considered payments and will not reduce your Total Minimum Payment.\n\n\x0cb. When Payments Are Due. You must pay and we must receive at least the Total Minimum Payment due on your Account by 5:00 p.m.\n(EST) on the due date of each billing period (\xe2\x80\x9cCut-Off Time\xe2\x80\x9d). Payments received after the Cut-Off Time will be credited as of our next\nbusiness day. Credit to your Account may be delayed for up to five (5) days if we accept a payment that does not adhere to the\nrequirements set forth in this section and on your statement.\nThe available credit on your Account may not reflect your payment for up to five (5) business days if we doubt the collectability of the\npayment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the\nbusiness day that we receive it.\nc. Payment Options. You can pay online through your online account, by mail, or by setting up automatic payments. Your payment must\nbe made in U.S. dollars with a draft or a check drawn on a U.S. bank and payable in U.S. dollars, or with a telephonic or electronic\npayment authorization in U.S. dollars.\nd. Payment Allocation. We will apply the required Total Minimum Payment to balances on your Account using any method we choose.\nAlthough your Total Minimum Payment will be applied in any order at our discretion, payments in excess of the Total Minimum\nPayment will be applied to balances with the highest APR first and then to lower rate balances in descending order of APR.\nFinance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge:\na. Daily Periodic Rates. The Daily Periodic Rates for Purchases and Cash Advances are based on APR for Purchases and Cash\nAdvances, respectively, which may be adjusted monthly. The current Daily Periodic Rate for Purchases and Cash Advances on your\nAccount is calculated by taking the applicable APR divided by 365.\nb. Periodic Interest Charge Calculation\xe2\x80\x94Daily Balance Method (including new transactions). We separately calculate a daily balance for\nPurchases and Cash Advances (each, a \xe2\x80\x9cBalance Type\xe2\x80\x9d), and use the daily balances to determine your interest charges for each\nbilling period. We charge interest of at least $0.50 for both Purchases and Cash Advances.\nc. On Purchases, the interest charges for a billing period are computed by applying the Periodic Rate, as shown on the monthly\nstatement, to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases. To get the Average Daily Balance, we take the beginning balance of your\nAccount each day, add any new Purchases, and subtract any payments, credits, non- accruing fees, and unpaid interest charges.\nThis results in the daily balance. Then we add up all the daily balances for the billing period and divide the total by the number of days\nin the billing period. This results in the Average Daily Balance.\nd. On Cash Advances, the interest charge begins to accrue from the date you obtained the Cash Advance, or the first day of the billing\nperiod in which it is posted to your Account, whichever is later. There is no grace period. The interest charges for a billing period are\ncomputed by applying the Periodic Rate, as shown on the monthly statement, to the Average Daily Balance on your Account. To get\nthe Average Daily Balance, we take the beginning balance of your Account each day, add any new Cash Advances, and subtract any\npayments, credits, non-accruing fees, and unpaid interest charges. This results in the daily balance. Then we add up all the daily\nbalances for the billing period and divide the total by the number of days in the billing period. This results in the Average Daily\nBalance. We do not charge interest on Cash Advance Fees.\ne. To determine your interest charge for the billing period, we: 1) multiply your Average Daily Balance by the Daily Periodic Rate for that\nBalance Type, which results in the \xe2\x80\x9cDaily Interest Amount;\xe2\x80\x9d then 2) multiply the Daily Interest Amount by the number of days in the\nbilling period; and 3) add the results for all Balance Types to get the total interest charges each billing period.\nHow to Avoid Paying Interest: On Purchases, to avoid incurring additional interest charges on the balance of Purchases reflected on\nyour monthly statement and on any new Purchases appearing on your next monthly statement, you must pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d in\nfull, as shown on your monthly statement, on or before the Payment Due Date.\nCheck Conversion Notification; Electronic Check Re-Presentment: If you provide a check as payment, you authorize us and our\nservicers or agents either to use information from your check to make a one-time electronic fund transfer from your bank account or to\nprocess the payment as a check transaction. When we use information from your check to make an electronic funds transfer, funds may\nbe withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from\nyour financial institution. In the event a check is returned unpaid for insufficient or uncollected funds, we may re-present the check\n\n\x0celectronically. For questions, please contact LendUp Card Services at (855) 570-3732. If you have questions regarding your check, you\ncan contact your financial institution.\nFees: We will charge the following fees, subject to applicable law:\n1. Annual Fee: We will charge an annual fee of $0.00 - $60.00 each year, whether or not you use the Account, and whether or not you\nhave active charging privileges. Unless waived your first year, your annual fee will be charged upon first use of the card and then\nannually thereafter.\n2. Late Payment Fee: We will charge a late fee of $0.00 - $7.00 if we do not receive the Total Minimum Payment due on your Account by\nthe Payment Due Date. However, we will not charge a Late Fee exceeding the Minimum Payment Due that is late.\n3. Returned Payment Fee: We will charge a fee of for payments returned due to insufficient funds, for an incorrect account number or for\nany other reason. This includes paper checks and any electronic payments. However, we will not charge a Returned Payment Fee if\nwe are charging a Late Payment Fee with respect to the same Minimum Payment Due, and we will not charge a Returned Payment\nFee exceeding the related Minimum Payment Due. This fee is in addition to any fees your bank may charge.\n4. Cash Advance Fee: For each Cash Advance, we will charge a fee of either $10.00 or 3.00% of the amount of the Cash Advance,\nwhichever is greater. The Cash Advance Fee is a finance charge.\nEvents of Default: Subject to applicable law, we may consider your Account in default at any time if: (1) you fail to pay at least the\nMinimum Payment Due by the due date; (2) you attempt to engage in an Over-the-Credit Limit Transaction; (3) you had a Returned\nPayment; (4) you breach the terms under this Agreement; (5) we determine that any statement made by you to us in connection with this\nAgreement was false or misleading; (6) you breach any terms under any other agreement that you have with LendUp Card Services or\nwith any of its affiliates; (7) you file for bankruptcy or some other insolvency proceeding is filed by or against you; (8) you are declared\nincompetent or mentally incapacitated, or in the event of your death; or (9) we have any reason to believe you may not be creditworthy.\nDefault Remedies: Upon your default and subject to any limitations or requirements of applicable law: (1) we may declare the entire\namount you owe us immediately due and payable and/or suspend or cancel your Account privileges; and (2) you agree to pay all\nreasonable costs, including all court costs plus all reasonable attorneys\xe2\x80\x99 fees if we must refer your Account for collection to any attorney\nwho is not our employee. A negative credit report reflecting on your credit record may be submitted to a credit reporting agency upon\nyour default.\nRefunds: If you have a credit balance on your account in excess of $1 we will refund that amount to you within seven (7) days of receipt\nof a written request for it from you.\nEntire Agreement: You acknowledge that this Agreement, as amended (which includes your Account Opening Disclosure, Arbitration\nAgreement, card carrier and credit card application) constitutes the entire agreement between you and us with respect to the Account\nand the Card, and supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communication\nor understanding between you and us concerning the Account or the Card. If we offer or provide rewards in connection with the Account,\nthe disclosures relating to such rewards are separate and not part of this Agreement.\nWaiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not\nconstitute a waiver of such rights on any other occasion. We will not lose our rights under this Agreement because we delay in enforcing\nany of them.\nCredit Reports; Evaluation of Financial Condition and Credit History: You understand and agree that we may obtain a consumer\ncredit report in connection with your request for credit and in connection with any updates, renewals or extensions of any\ncredit as a result of your request. If you ask, you will be informed whether or not such a report was obtained and, if so, the\nname and address of the agency that furnished the report. You understand and agree that we may obtain a consumer credit\nreport in connection with the review or collection of any transaction made by you or for other legitimate purposes related to\nsuch transactions. California Residents - you agree to waive your right to keep confidential from us information under Section\n1808.21 of the California Vehicle Code.\nCustomer Privacy: Our privacy policy is provided separately in accordance with applicable law and can also be viewed online at\nhttps://www.lendup.com/card/privacy.\nAssignment: We may at any time and without notifying you, sell, transfer or otherwise assign your Account or any Account balances to\nany party at any time. You may not assign or transfer your Account or any of your rights and obligations under this Agreement. Any such\n\n\x0cassignment or transfer by you will be void.\nChange of Terms: Subject to the Arbitration Agreement and requirements of applicable law: (1) You agree that we may, in our sole\ndiscretion, from time to time change or delete any of the terms and conditions of, or add new terms and conditions to, this Agreement,\nincluding changing the Daily Periodic Rate, APR or the formula used to compute interest charges or increasing or adding fees; (2) any\nsuch change will generally be effective immediately unless we are required by applicable law or elect, in our discretion, to provide you\nwith advance written notice of the change (and/or the reasons for the change), afford you the right to reject the change and/or obtain your\nconsent to the change (whether by written agreement, through the initiation of a Card transaction after a specified date or through some\nother means); in such instances, the change will be effective if, when and as stated in such notice; (3) any change may apply to your\noutstanding Account balance on the effective date of the change and to any future balances created after that date; (4) no change to any\nterm of this Agreement will excuse your obligation to pay all amounts owing under this Agreement.\nSuspension/Revocation/Cancellation: Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right\nto use the Card, or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice.\nAny such actions on our part will not affect your obligation to pay us the outstanding balance, interest and fees under the terms of this\nAgreement. We are not liable for any refusal to honor your Card or Account, or for the retention of your Card by any person or entity. If we\nrevoke or cancel the Card, you must return the Card to us if we request. If a merchant that accepts Cards asks you to surrender an\nexpired or revoked Card, you must do so. You may not use a Card after it has expired or after it has been revoked or cancelled. You may\ncancel your Account at any time. If you ask us to cancel your Account but we believe you have continued to use your Account after the\ndate of cancellation, we will consider such use as your request for reinstatement of your Account. We may then reinstate your Account.\nMilitary Lending Act Disclosure. Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account). You may receive this disclosure orally by calling (844) 885-2921.\nSeverability: Subject to the Arbitration Agreement: (1) if any part of this Agreement conflicts with applicable law, that law will control, and\nthis Agreement will be considered changed to the extent necessary to comply with that law; and (2) if any part of this Agreement is\ndetermined by a court of competent jurisdiction to be invalid, the remainder of this Agreement will remain in effect.\nEvents Outside of Our Control: We do not guarantee that you will always be able to make Purchases with your Card or your Card will\nalways be accepted when you attempt to use it. We are not responsible and will not be liable for any Card or other failures resulting from\nevents outside of our reasonable control.\nCommunications: All notices to us must be sent to LendUp Card Services, Inc., 237 Kearny Street #197, San Francisco, CA, 94108 (or\nsuch other address we subsequently provide you, the \xe2\x80\x9cNotice Address\xe2\x80\x9d), with such \xe2\x80\x9cAttention\xe2\x80\x9d as may be specified in this Agreement. To\nthe extent permitted under applicable law, any notice you send us will not be effective until we receive and have had a reasonable\nopportunity to act on such notice. Any written or electronic correspondence we send to you will, however, be effective and deemed\ndelivered when mailed to you at your mail address (or your email address if you have authorized electronic communications) as it\nappears on our records.\nTo the extent permitted by applicable law, you authorize us and our affiliates, agents, assigns, marketing associates and service\nproviders (collectively, the \xe2\x80\x9cMessaging Parties\xe2\x80\x9d) to contact you using automatic telephone dialing systems, artificial or prerecorded voice\nmessage systems, text messaging systems and automated email systems in order to provide you with information about this Agreement\nor your Account, including information about upcoming Payment Due Dates, missed payments and returned payments. You authorize the\nMessaging Parties to make such contacts using any telephone numbers or email addresses you supply or that we obtain through any\nlegal means to any of the Messaging Parties. You understand that anyone with access to your telephone or email account may listen to\nor read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for\nanyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur\na charge from the company that provides you with telecommunications, wireless and/or internet services, and you agree that the\nMessaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize the\nMessaging Parties to monitor and record your calls with the Messaging Parties. You understand that, at any time, you may withdraw your\nconsent to receive text messages and calls to your cell phone or to receive artificial or prerecorded voice message system calls by calling\nthe Messaging Parties at (855) 570-3732 or by writing to us as the address below in \xe2\x80\x9cCommunications\xe2\x80\x9d. To stop text messages, you\n\n\x0ccan also simply reply \xe2\x80\x9cSTOP\xe2\x80\x9d to any text message the Messaging Parties send you. To stop emails, you can follow the opt-out\ninstructions included at the bottom of the Messaging Parties\xe2\x80\x99 emails.\nReports and Notices: We may report information about your Account to other creditors, other financial institutions and credit bureaus.\nLate payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.\nYou have the right to dispute the accuracy of information we have reported. If you think any information about your Account that we have\nreported to a credit bureau is incorrect, or if you think that you have been the victim of identity theft in connection with your Account or in\nconnection with any other loan or extension of credit made by us, you can notify us by calling us toll-free at (855) 570-3732 or writing to\nus at LendUp Card Services, Inc. at 237 Kearny Street #197, San Francisco, CA, 94108, Attn: Fraud/Dispute. Include your name,\naddress, Account number, telephone number and a brief description of the issue. If available, please include a copy of the credit report in\nquestion. We will research your issue and will let you know if we agree or disagree with you. If we agree with you, we will contact the\nconsumer reporting agency we reported to and request a correction.\nIf you believe that you have been the victim of identity theft, you should send us a police report or written statement in a form we provide\nyou alleging that you are the victim of identity theft for a specific debt. Once we receive your documentation, we will cease debt collection\nactivity until we have reviewed the materials, determined that the debt is still collectible, complied with all obligations described in the\nBilling Rights Notice below and sent you a written notice describing the basis for our determination.\nAll bankruptcy notices and related correspondence to us must be sent to us at LendUp Card Services, Inc., 237 Kearny Street #197, San\nFrancisco, CA, 94108, Attn: Bankruptcy Notice. You must notify us of any changes to your name, mailing or email address, home, cell or\nbusiness phone number, employment or income within 15 days of such change. You can notify us by calling us toll-free at (855) 5703732 from outside the country, or by writing us at LendUp Card Services, Inc., 237 Kearny Street #197, San Francisco, CA, 94108.\nUnauthorized Use of Your Card or Account: You agree to promptly notify us if you believe that your Card has been lost or stolen or\nthat someone has used or may use your Card or Account without your permission. You agree to assist us in determining the facts,\ncircumstances and other pertinent information related to any loss, theft or possible unauthorized use of your Card or Account and to\ncomply with such procedures as we may reasonably require in connection with our investigation, including the filing of one or more\nreports with the appropriate law enforcement authorities. Subject to applicable law, you acknowledge and agree that we may terminate\nour investigation if you fail to provide us with any such assistance or to comply with such procedures, and we otherwise have no\nknowledge of facts confirming the unauthorized use of your Card or Account. In such circumstances, we will deem any such use as\nhaving been authorized by you and you will be liable for the amount of any transactions plus interest charges and fees incurred with any\nsuch use.\nGoverning Law: Except as provided in the Arbitration Agreement below, this Agreement and your Account are governed by federal law\nand, to the extent state law applies, the laws of California without regard to its conflicts of law principles.\nInadvertent Overcharges: It is not our intention to charge any interest charges, fees or other amounts in excess of those permitted by\napplicable law or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by\napplicable law or this Agreement, the excess amount will be credited to your Account or refunded to you.\nCollection Proceedings: To the extent permitted by applicable law, you agree that, in any collection proceeding by us or a direct or\nindirect purchaser of your indebtedness to us, unless you provide affirmative evidence, sufficient to the finder of fact, that our business\nrecords are incorrect, the records we maintain in the ordinary course of business, including monthly statements and/or summaries of\ninformation in our computer records, certified by any custodian of our records as accurate reflections of statements or information in our\nbusiness records, provide adequate proof of the amounts due hereunder.\nHeadings: The section captions of this Agreement are inserted only for convenience and are in no way to be construed as substantive\nparts of this Agreement.\n\nARBITRATION AGREEMENT\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY\nBINDING ARBITRATION AT EITHER PARTY\xe2\x80\x99S REQUEST. UNLESS YOU PROMPTLY REJECT IT, THE ARBITRATION\nAGREEMENT WILL HAVE A SUBSTANTIAL AFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS\nACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE\nOR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.\n\n\x0cTHIS ARBITRATION AGREEMENT DOES NOT APPLY TO MEMBERS OF THE ARMED FORCES OR OTHER COVERED\nBORROWERS SUBJECT TO THE MILITARY LENDING ACT. IF YOU ARE A MEMBER OF THE ARMED FORCES OR A COVERED\nBORROWER AND HAVE A DISPUTE WITH US THAT CANNOT BE RESOLVED, YOU MAY PURSUE THE DISPUTE IN EITHER\nCOURT OR BY ARBITRATION.\nAgreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you contact us\nimmediately if you have a problem with your Account or a service we provide. Often a telephone call to us resolves the matter quickly and\namicably. However, if you and we are unable to resolve our differences informally, you agree by opening or maintaining an Account with\nus, that if any dispute between you and us arises regardless of when it occurs, it will be settled using the following procedures: YOU AND\nWE AGREE AND UNDERSTAND THAT (1) YOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION\nPRECLUDES YOU AND US FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION\nOR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS. In addition, your agreement to arbitrate and waive trial by jury\nshall be applicable to parties acting on our behalf, including agents or independent contractors who collect your account on our behalf or\npurchase your account. This Arbitration Agreement is governed by the Federal Arbitration Act (FAA), 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq., and not by\nany state arbitration law. Except as set forth below, the parties agree to arbitrate any dispute or controversy concerning your Account or\nrelated products or services. Either party may request that the matter be submitted to arbitration.\nCommencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be given before or\nafter a lawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by\npapers filed in the lawsuit such as a motion to compel arbitration. If you elect arbitration you must notify us in writing at LendUp Card\nServices, Inc., 237 Kearny Street, #197, San Francisco, CA 94108. If we elect arbitration we will notify you in writing at your last known\naddress on file.\nClaim: A \xe2\x80\x9cClaim\xe2\x80\x9d is any unresolved claim, dispute or controversy between you and us, whether past, present or future, arising out of or\nrelated to this Agreement, your Account, products or services governed by this Agreement or the relationships resulting from this\nAgreement or your Account. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and\nthird-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute,\nregulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). Solely for purposes of this\nArbitration Agreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also include any person or entity named as a co-defendant with us in a Claim\nasserted by you. Notwithstanding the foregoing, individual actions brought in small claims court (or your state\xe2\x80\x99s equivalent court) are\neligible for arbitration; however, if the action is transferred, removed, or appealed to a different court, it shall be eligible for arbitration at\neither party\xe2\x80\x99s request.\nBinding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a dispute without using\nthe court system, judges or juries. Either you or we can request binding arbitration. Each arbitration, including the selection of the\narbitrator, shall be administered by the American Arbitration Association (AAA), according to the Consumer Arbitration Rules of the AAA.\nA single arbitrator shall be appointed. If you have a question about the AAA, you can contact them as follows: American Arbitration\nAssociation, 1633 Broadway 10th Floor, New York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as\nadministrator and you and we cannot agree on a replacement, a court with jurisdiction will select the administrator or arbitrator, provided\nthat no company may serve as administrator, without the consent of all parties, if it adopts or has in place any formal or informal policy\nthat is inconsistent with and purports to override the terms of the Class Action Waiver in this Arbitration Agreement.\nPowers and Qualifications of Arbitrators and Arbitration Procedures: All arbitrators will be required to be practicing attorneys or\nretired judges and will be required to be experienced and knowledgeable in the substantive laws applicable to the subject matter of the\ndispute. Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a\nwaiver of the AAA\xe2\x80\x99s or arbitrator\xe2\x80\x99s filing, administrative, hearing and/or other fees, we will consider in good faith any request by you for us\nto bear such fees. Each party will bear the expense of its own attorneys, experts and witnesses, regardless of which party prevails,\nunless applicable law or this Agreement gives a right to recover any of those fees from the other party. The arbitrator shall follow\napplicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and privilege rules that would apply in a\ncourt proceeding, and shall be authorized to award all remedies available in an individual lawsuit under applicable substantive law,\nincluding, without limitation, compensatory, statutory and punitive damages (which shall be governed by the constitutional standards\napplicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys\xe2\x80\x99 fees and costs. Upon the timely\nrequest of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator\xe2\x80\x99s award will be final and\nbinding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator\xe2\x80\x99s award.\n\n\x0cClass Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL\nACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY\nACCOUNTHOLDER. The arbitrator shall have no authority to conduct any class, private attorney general or other representative\nproceeding, and shall award declaratory or injunctive relief only in favor of the party seeking relief and only to the extent necessary to\nprovide relief warranted by that party\xe2\x80\x99s individual claim. If a court determines that this paragraph is not fully enforceable, only this\nsentence will remain in force and the remainder will be null and void, and the court\xe2\x80\x99s determination shall be subject to appeal.\nRights Preserved: This Arbitration Agreement and the exercise of any of the rights you and we have under this Agreement, does not\nstop you or us from exercising any lawful rights either of us has to use other available remedies; to comply with legal process; to obtain\nprovisional remedies such as injunctive relief, attachment or garnishment by a court of appropriate jurisdiction; or to bring an individual\naction in court that is limited to preventing the other party from using or obtaining any provisional or self-help remedies and that does not\ninvolve a request for damages or monetary relief.\nIn California: If an action or proceeding is initiated before any court in California and neither you nor we request that the dispute be\nsubmitted to arbitration, then, upon motion by either you or us, the dispute shall be heard by an active attorney or a retired judge selected\nby the American Arbitration Association (AAA) who is then appointed by the court in which the action commenced, according to the\nreference provision of the California Code of Civil Procedure, Section 638 et seq. This reference process is not subject to a trial by jury;\nthe trial is conducted before the active attorney or retired judge under California law.\nEnforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to\narbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any\ntime, even if such claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Any dispute concerning the\nvalidity or enforceability of this Arbitration Agreement must be decided by a court; any dispute concerning the validity or enforceability of\nthe Agreement as a whole is for the arbitrator. Failure or forbearance to enforce this Arbitration Agreement at any particular time or in\nconnection with any particular Claims will not constitute a waiver of any rights to require arbitration at a later time or in connection with\nany other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. If either you or we\nfail to submit to binding arbitration following a lawful demand, the party who fails to submit bears all costs and expenses incurred by the\nparty compelling arbitration.\nSurvival and Severability of Terms: This Arbitration Agreement shall survive: (i) termination or changes in the Agreement, the Account,\nor the relationship between you and us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment\nof your Account, or any amounts owed on your Account, to any other person or entity. If any portion of this Arbitration Agreement (except\nfor the Class Action Waiver set forth above) is deemed invalid or unenforceable, the remaining provisions of the Arbitration Agreement\nshall remain in force. No portion of this Arbitration Agreement may be amended or waived absent a written agreement between you and\nus.\nRIGHT TO REJECT: You may reject this Arbitration Agreement by mailing a signed rejection notice to LendUp Card Services,\nInc., 237 Kearny Street, #197, San Francisco, CA 94108, Attn: Arbitration Rejection Notice, within thirty (30) calendar days after\nthe date of this Agreement. Any rejection notice must include your name, address, email address, telephone number and\nAccount number. This is the only manner you can reject this section. If you do that, only a court may be used to resolve any Claim. If\nyou reject this Arbitration Agreement, that will not affect any other provision of the Agreement.\n\nSTATE NOTICES\nCalifornia: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account\nto the extent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any\njoint applicant. As required by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if\nyou fail to fulfill the terms of your credit obligations.\nDelaware: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.\nOhio: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nUtah: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a\ncredit reporting agency if you fail to fulfill the terms of your credit obligations.\n\n\x0cWisconsin: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of\nany marital property agreement, unilateral statement or court decree adversely affects a creditor\xe2\x80\x99s interest unless, prior to the time the\ncredit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse\nprovision.\n\nTHE L CARD VISA\xc2\xae CREDIT CARD CARDHOLDER AGREEMENT\nYOUR BILLING RIGHTS\nBy: Beneficial State Bank\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: LendUp Card Services, Inc., 237 Kearny Street, #197, San Francisco, CA\n94108.\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors\nand 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 corrected\nthe 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:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe 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\npay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name\n\n\x0cof anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between\nus.\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 to correct\nthe problem with 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\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we made to\nyou, or if we own the company that sold you the goods or services.)\n2. You must have used you credit card for the purchase. Purchases made with cash advances from an ATM 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 at: The L Card, Customer Service,\nP.O. Box 31481, Tampa, FL 33631-3481.\nWhile we investigate, the same rules apply to the disputed amount as discussed above under the section entitled \xe2\x80\x9cWhile we investigate\nwhether or not there has been an error.\xe2\x80\x9d After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and do not pay, we may report you as delinquent.\n\nL.P.2.3.6.0\n\n\x0c\x0c'


b'CREDIT LINE ACCOUNT AND\nPERSONAL LOAN APPLICATION\n\n6401 South Bell Street\nP. O. Box 7407\nAmarillo, Texas 79114\nPhone: 806.353.9999\nFax: 806.353.2533\n\nApplicant Information\n\nACCOUNT NUMBER \xe2\x80\x93 APPLICANT\n\nUnmarried (Includes Single, Divorced and Widowed)\n\nSeparated\n\n2. Married applicants can apply for individual credit. Indicate if You would like:\nIndividual Credit\n\nJoint Credit with Your Spouse/Co-Applicant\nPayroll Deduction\n\n3. Method of Payment:\n\nWeekly\n\n4. Frequency of Payment:\n\nAutomatic Share Transfer\nBi-Weekly\n\nDATE\n\nSpouse/Co-Applicant Information\n\nPRINT OR TYPE ALL INFORMATION\n\n1. If You live in a community property state, are You:\nMarried\n\nACCOUNT NUMBER \xe2\x80\x93 CO-APPLICANT\n\nCash Payment\n\nSemi-Monthly\n\nMonthly\n\n5. Complete Spouse/Co-Applicant Information only if:\na. This is for joint credit with Your Spouse or other Co-Applicant;\nb. Your Spouse will use Your Account;\nc. You are relying on Your Spouse\'s income as a source of repayment for the credit requested; or\nd. You live in a community property state: Arizona, California, Idaho, Louisiana, Nevada,\nNew Mexico, Texas, Washington, Wisconsin (or Puerto Rico).\n6. Definitions:\nWhenever used in this application, the words \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cYour\xe2\x80\x9d refer to the Applicant(s)\nor Spouse/Co-Applicant and the words \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d and \xe2\x80\x9cOur\xe2\x80\x9d refer to the Lender.\n\nCredit Applied For:\nType of credit _______________________________\n\nAmount Requested $_______________________ Refinanced Amount $ ____________________ Total Request $ __________________\n\nPurpose ___________________________________________________________________ Collateral Offered________________________________________ Value: $ __________________\n\nThere are costs associated with the use of any Credit Card issued to You by Us. You may request specific information\nabout these costs by contacting Us by telephone at (806) 353-9999 (callers from outside the 806 area code may call\ncollect) or by writing Us at P.O. Box 7407, Amarillo, Texas 79114.\nAPPLICANT OR CO-SIGNER\nSPOUSE/CO-APPLICANT\nFIRST NAME\n\nINITIAL\n\nLAST NAME\n\nFIRST NAME\n\nSOCIAL SECURITY NUMBER\n\nINITIAL\n\nBIRTHDATE\n\nSOCIAL SECURITY NUMBER\n\nLAST NAME\n\nBIRTHDATE\n\nCURRENT STREET ADDRESS\n\nAPT. NO.\n\nYEARS THERE\n\nCURRENT STREET ADDRESS\n\nAPT. NO.\n\nYEARS THERE\n\nCITY\n\nSTATE\n\nZIP\n\nCITY\n\nSTATE\n\nZIP\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\n\nEMAIL ADDRESS\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\n\nFORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)\n\nDO YOU:\nOWN\n\nHOME TELEPHONE\nRENT\n\nYEARS THERE\n\nNO. OF DEP. AGES OF DEPENDENTS\n\nEMPLOYMENT DATE\n\nCURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)\n\nEMPLOYMENT DATE\n\nADDRESS/CITY/STATE/ZIP\n\nPOSITION\n\nFORMER EMPLOYER\n\nOTHER INCOME\n\nNO. OF DEP. AGES OF DEPENDENTS\n\nPAY BOARD\n\nNAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU\n\nADDRESS/CITY/STATE/ZIP\n\nWORK TELEPHONE\n\nHOME TELEPHONE\nRENT\n\nYEARS THERE\n\nIf self-employed, attach financial statement or income tax returns.\n\nCURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)\n\nMO. GROSS SALARY\n\nPOSITION\n\nWORK TELEPHONE\n\nYEARS THERE\n\nPOSITION\n\nFORMER EMPLOYER\n\nMO. GROSS SALARY\n\nPOSITION\n\nYEARS THERE\n\nAlimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required)\n\nTYPE OF OTHER INCOME\n\nMONTHLY AMOUNT\n\nTYPE OF OTHER INCOME\n\nNAME AND ADDRESS OF PAYER\n\nASSETS AND DEPOSITS\n\nMONTHLY AMOUNT\n\nNAME AND ADDRESS OF PAYER\n\nAttach a separate sheet if necessary.\n\nBANK (OR OTHER) NAME & ADDRESS\n\nACCOUNT NO.\n\nINTEREST\nRATE\n\nAPPROX. BAL.\n\nC\nH\nE\nC\nK\nI\nS\nA\nV\nI\nN\n\nDO YOU:\nOWN\n\nEMPLOYMENT AND INCOME\n\nTYPE\n\nFORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)\n\nPAY BOARD\n\nNAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU\n\nEMAIL ADDRESS\n\nTYPE\n\nBANK (OR OTHER) NAME & ADDRESS\n\nACCOUNT NO.\n\nINTEREST\nRATE\n\nAPPROX. BAL.\n\nC\nH\nE\nC\nK\nS\nA\nV\nI\nN\nG\n\nSEE ATTACHED\n\nO\nT\nH\nE\nR\n\nO\nT\nH\nE\nR\n\nCAR 1 - YR. - MAKE - MODEL\n\nVALUE\n\nCAR 1 - YR. - MAKE - MODEL\n\nVALUE\n\nCAR 2 - YR. - MAKE - MODEL\n\nVALUE\n\nCAR 2 - YR. - MAKE - MODEL\n\nVALUE\n\nHOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED\n\nPURCHASE PRICE\n\nAPPROX. VALUE\n\nCopyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.\n\nHOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED\n\nPage 1 of 2\n\nPURCHASE PRICE\n\nAPPROX. VALUE\n\nOTBS 015 ACCE (6/14)\n\n\x0cCREDIT INFORMATION\nPLEASE\nCHECK\nA\n\nC\n\nA=Applicant\n\nPlease list all open accounts with or without a balance. Attach separate sheet if necessary.\nINTEREST\nRATE\n\nACCOUNT\nNUMBER\n\nLENDER (OR OTHER ) NAME & ADDRESS\nLIST ALL OBLIGATIONS, INCLUDING CREDIT UNION LOANS\n\nC=Spouse/Co-Applicant\n\nD=Debts to be paid off if loan is granted.\nORIGINAL\nAMOUNT\n\nMONTHLY\nPAYMENT\n\nBALANCE\n\nD\n\nSEE ATTACHED\n\nA\n\nPlease answer the following questions.\nIf a yes answer is given, explain on attached sheet.\n\nYES\n\nC\nNO\n\nYES\n\nTOTALS\n\nNO\n\n1. Have You filed a petition for bankruptcy in the last 14 years?\n\nA\n\nPlease Check: A=Applicant/Co-Signer C=Co-Applicant\n\nYES\n\nNO\n\nC\nYES NO\n\n6. Have You any Obligations not listed?\n\n2. Have You ever had any auto, furniture or property repossessed?\n3. Are you a co-maker or co-signer on any loan?\n\n7. Do You have any past due bills?\n\nFor Whom ___________________ Amount $ ______________\n\n8. Is any income You have listed likely to reduce in the next two years?\n9. Indicate immigration status:\n\n4. Have you ever had credit in any other name?\nWhat name_______________________________________\n5. Have You any suits pending, judgments filed, alimony or support\nawards against You?\n\nApplicant\n\n\x02\n\nU.S. Citizen\n\n\x02\n\nPermanent U.S. Resident\n\n\x02\n\nOther___________\n\nCo-Applicant\n\n\x02\n\nU.S. Citizen\n\n\x02\n\nPermanent U.S. Resident\n\n\x02\n\nOther___________\n\nOPTIONAL CREDIT INSURANCE\nCredit Life and/or Credit Disability Insurance are not required to obtain credit and, for Credit Line Accounts, will be included only if requested immediately\nbelow by the APPLICANT. The insurance rates for Credit Line Accounts are shown below. For Credit Line Accounts, the insurance charge is calculated each\nmonth by multiplying the outstanding balance of the Account on the last day of that month by the rate shown. For Closed-End loans, the total insurance\npremium will be calculated and disclosed to You separately.\nMonthly Premium Rates per $1000 of Outstanding Balance for Credit Line Accounts - You must CHECK ONE OR MORE of the boxes below.\n\n$ .057\nSingle Coverage - ________\n\nCREDIT LIFE:\n\nYes\n\n$ .086\nJoint Coverage - ________\n\nNo\n\n$ .130\nCREDIT DISABILITY (Primary Borrower Only): Single Coverage - ________\nYes\nNo\nClosed-End Loan Applicants - You must CHECK ONE OR MORE of the boxes below.\nYou are interested in Credit Disability Insurance - single coverage\nYou are interested in Credit Life Insurance - single coverage\nYou are not interested in Credit Insurance\n\nYes\n\nNo\n\njoint coverage\n\nNOTE: For Closed-End loans, an appropriate disclosure will be furnished if Your credit is approved. If this application is for a Credit Line Account and You are\napplying for Credit Insurance, You authorize Us to add the required premiums to Your Account, charge a Finance Charge on the premiums at the rate which\napplies to Your Account, and forward such premiums to the Insurance Company.\nSIGNATURE OF APPLICANT _______________________________________________ SIGNATURE OF CO-APPLICANT ______________________________________________\n\nSIGNATURES\nYou warrant the truth of the above information and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to\ninvestigate and verify any information provided to Us by You. If this application is for any Feature Category contained in Our Credit Line Account or Credit Card Account Program, You agree and understand\nthat if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure and/or Credit Card Account Agreement and Federal Disclosure\nStatement. You will receive a copy of such Agreement and Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If\nthis is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application and agree that Your facsimile signature will have the same\nlegal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature. If You are issued a Credit Card, You grant and\nconsent to a lien on Your shares with Us (except IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance.\nYou hereby acknowledge Your intent to apply for joint credit ____________________________________________________\nApplicant\xe2\x80\x99s Initials\n\nX\n\nCo-Applicant\xe2\x80\x99s Initials\n\nX\nDate\n\nSignature of Applicant or Co-Signer\n\nLOAN OFFICER\nADVANCE APPROVED\n\nYES \x02\n\nNO \x02\n\nDate\n\nSignature of Spouse/Co-Applicant\n\nOTHER APPROVING SIGNATURES\n\nREFERRED TO CC \x02\n\nADVANCE APPROVED\n\nCOUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED\n\nYES \x02\n\nNO \x02\n\nCOUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED\n\nDESCRIBE COUNTER OFFER\nSPECIFIC REASON(S) FOR REJECTION/APPROVAL\nLOAN OFFICER SIGNATURE\n\nDATE\n\nCREDIT MANAGER OR OTHER\n\nDATE\n\nCREDIT LIMIT $\n\nECOA NOTICE AND REASON FOR REJECTION OR UNACCEPTED COUNTER-OFFER SENT OR DELIVERED ON\n\nCopyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.\n\nPage 2 of 2\n\nADDITIONAL INFORMATION\n\n(DATE) BY\n\nOTBS 015 ACCE (6/14)\n\n\x0c6401 South Bell Street\nP. O. Box 7407\nAmarillo, Texas 79114\nPhone: 806.353.9999\nFax: 806.353.2533\n\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD REGULAR,\nMASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED AGREEMENTS, AND ANY\nSPECIAL INSTRUCTIONS REGARDING THE USE OF VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD\nREGULAR, MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED CREDIT CARDS,\nAND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT\nCAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nVISA Classic:\nVISA Gold:\n\n12.4\n________%\n\n12.4\n________%\n\nVISA Secured:\n\n12.4\n________%\n\nMasterCard Regular:\nAPR For Balance Transfers\n\nMasterCard Gold:\n\n12.4\n________%\nOR 8.69\n________%\n\nMasterCard Platinum:7.49\nMasterCard Secured:\n\n12.4\n________%\n\n12.4\n________%\n\n12.4\nVISA Classic: ________%\n\n12.4\nMasterCard Gold: ________%\n\n12.4\nVISA Gold: ________%\n\nOR 8.69\nMasterCard Platinum: 7.49\n________%\n\n12.4\nVISA Secured: ________%\n\n12.4\nMasterCard Secured: ________%\n\n12.4\nMasterCard Regular: ________%\nAPR For Cash Advances\n\n12.4\nVISA Classic: ________%\n\n12.4\nMasterCard Gold: ________%\n\n12.4\nVISA Gold: ________%\n\nOR 8.69\nMasterCard Platinum:7.49\n________%\n\n12.4\nVISA Secured: ________%\n\n12.4\nMasterCard Secured: ________%\n\n12.4\nMasterCard Regular: ________%\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of the statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit\nCard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xe2\x80\xa2\n\nForeign Transaction\n\n1.00% of each foreign currency transaction in U.S. Dollars.\n0.80% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment\nReturned Payment\n\nUp to $25.00\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\n\nCopyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CC ACCE (5/14)\n\n\x0cDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean ACCESS COMMUNITY CREDIT UNION. The words "You" and "Your"\nmean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Classic,\nVISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured Credit Card issued to You by Us and any duplicates or\nrenewals. The word "Account" means the VISA Classic, VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured\nCredit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from\ntime to time. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a\nvariety of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which\nany advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or\nimplied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\n\nDaily\nPeriodic Rate\n\nANNUAL\nPERCENTAGE RATE\n\nVISA Classic\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nVISA Gold\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nVISA Secured\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nMasterCard Regular\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nMasterCard Gold\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nMasterCard Platinum\n\n0.0002052 OR 0.0002380\n____________%\n\n7.49 OR 8.69\n____________%\n\nMasterCard Secured\n\n0.0003397\n____________%\n\n12.4\n____________%\n\nCredit Card\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but\nnot limited to, advances made for the purpose of gambling and/or wagering where\nsuch practices are in violation of applicable state and/or federal law.\nSECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under any other loan You may have with Us will secure all amounts You\nowe Us now and in the future if that status is reflected in the "Truth-in-Lending\nDisclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your\nshares with Us (except for IRA and Keogh accounts) and any dividends\ndue or to become due to You from Us to the extent You owe on any unpaid\nCredit Card balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Secured or\nMasterCard Secured Credit Card, You agree to give Us a specific pledge of shares\nwhich will be equal to the sum total of Your Credit Limit, plus the greater of: (a)\n$100.00; or (b) 10% of such Credit Limit. In the event that You default on Your\nAccount, We may apply these shares toward the repayment of any amount owed on\nYour VISA Secured or MasterCard Secured Credit Card. You may cancel Your VISA\nSecured or MasterCard Secured Credit Card at any time by paying any amounts\nowed on such Account. To be certain that Your entire balance and all advances are\npaid, any shares pledged may not be available to You for 30 days after You have\ncancelled and any outstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for\nwhich You are approved. Unless You are in default, the Credit Limits established\nfor You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit\navailable during any time that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand\nthat any such Account access device(s) will be mailed only to the primary\nBorrower at the address that We have on file for You. We may refuse to follow\nany instructions which run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment\nwill not delay Your next scheduled payment. All payments to Us must be in lawful\nCopyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.\n\nmoney of the United States. We may apply each payment to whichever Feature\nCategory We wish. Except as required by law, We may apply payments at Our\ndiscretion. Any unpaid portion of the Finance Charge will be paid by subsequent\npayments and will not be added to Your principal balance. You understand that\nany delay in the repayment of Your unpaid balance will increase Your periodic\nFinance Charges and any acceleration in the repayment of Your unpaid balance\nwill decrease Your periodic Finance Charges.\nMinimum Payments will be an amount equal to 3.00% of Your new unpaid\nAccount balance at the end of each billing cycle, subject to the lesser of $25.00 or\nYour balance, plus any portion of the Minimum Payments shown on prior\nstatement(s) which remains unpaid, plus any amount that exceeds Your approved\nCredit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily\ntransactions balances outstanding during the month (including new transactions).\nTo get the average daily balance, We take the beginning balance of Your Account\neach day, add any new purchases, balance transfers, cash advances, insurance\npremiums, debit adjustments or other charges and subtract any payments, credits\nand unpaid Finance Charges. This gives Us the daily balance. Then, We add up\nall the daily balances for the billing cycle and divide them by the number of days in\nthe billing cycle. The Finance Charge for a billing cycle is computed by multiplying\nthe average daily balance subject to a Finance Charge by the Daily Periodic Rate\ntimes the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge.\nBalance transfers and cash advances are always subject to a Finance Charge\nfrom the later of the date they are posted to Your Account or from the first day of\nthe billing cycle in which the transaction is posted to Your Account.\nLATE CHARGE. If Your payment is 10 or more days late, You will be charged the\nlesser of: (a) $15.00 for balances that are less than $100.00, $20.00 for balances\nequal to or greater than $100.00 but less than $1,000.00, or $25.00 for balances\nequal to or greater than $1,000.00; or (b) the amount of the minimum payment due.\nVISA FOREIGN TRANSACTIONS. For transactions initiated in foreign\ncountries and foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA\nfrom the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate VISA itself receives; or\n(b) the government-mandated rate in effect for the applicable central processing\ndate. For transactions that are initiated in a foreign currency, You will be charged\n1.00% of the final settlement amount. For transactions occurring in foreign\n\nPage 2 of 4\n\nOTBS 016CC ACCE (5/14)\n\n\x0ccountries and initiated in U.S. Dollars, You will be charged 0.80% of the final\nsettlement amount.\nMASTERCARD FOREIGN TRANSACTIONS. For transactions initiated in foreign\ncurrencies, the exchange rate between the transaction currency and the billing\ncurrency (U.S. dollars) will be: (a) a rate selected by MasterCard from the range of\nrates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate MasterCard itself receives; or\n(b) the government-mandated rate in effect for the applicable central processing\ndate. In each instance You will be charged 8/10th of 1.00% calculated on the final\nsettlement amount for transactions that are initiated in foreign countries, and if\nyour transaction is also initiated in a foreign currency You will be charged an\nadditional 2/10th of 1.00% calculated on the final converted settlement amount.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) the lesser of $15.00 or the required minimum\npayment amount for the returned payment for any check (or other negotiable\ninstrument used for payment) which is returned unpaid; and (b) $5.00 for each\nreplacement Card You request.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We need\nnot send You a statement if We feel Your Account is uncollectible or if We have\nstarted collection proceedings against You because You defaulted. EACH\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL\nTRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience\nChecks have been reported lost or stolen; (3) Your Account has been cancelled or\nhas expired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting\nloss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nof Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should,\nin good faith, believe Your ability to repay Your indebtedness hereunder is or soon\nwill be impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of every Feature Category of Your Account immediately\ndue and payable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all\ncourt costs, private process server fees, investigation fees or other costs incurred\nin collection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting\nany amounts owed under this Agreement or in the recovery of any Collateral.\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with this\nAgreement or at a later date becomes an integrated part of this Agreement\nand Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertaining\nto Your employment, credit standing and financial responsibility in accordance\nwith applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account to consumer\ncredit reporting agencies, a prospective employer or insurer, or a state or\nfederal licensing agency having any apparent legitimate business need for\nsuch information.\nTERMINATION. Either You or We may cancel Your Account at any time, whether\nor not You are in default. You will, in any case, remain liable to pay any unpaid\nbalances according to the terms of Your Account.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nany time without notice. You agree to surrender Your Card and to discontinue its\nuse immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN to access Your Account and all sums\nadvanced will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your\nElectronic Fund Transfer Agreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of\nthe loss, theft, or possible unauthorized use by calling Us at (800) 442-4257 or by\nwriting to Us at P.O. Box 815909, Dallas, TX 75381-5909. In any case, Your\nliability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us at (800) 442-4257 or\nwrite to Us at P.O. Box 815909, Dallas, TX 75381-5909.\n\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or\nany other payments, even if they are marked "paid in full" without losing any of\nOur rights under this Agreement. If any provision of this or any related agreement\nis determined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\n\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your share\naccount after 6 months.\n\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\n\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Texas, except to the extent that such laws are inconsistent with\ncontrolling federal law.\n\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of\nthis Agreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nCopyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the\nFair 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 Our address shown\nin this Agreement. In Your letter, give us the following information:\n\nPage 3 of 4\n\nOTBS 016CC ACCE (5/14)\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You believe it is a mistake.\n\n\xe2\x80\xa2\n\nIf We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You a\nstatement of the amount You owe and the date payment is due. We may\nthen report You as delinquent if You do not pay the amount We think\nYou owe.\n\nYou must contact Us:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You\ndo We are not required to investigate any potential errors and You may have to\npay the amount in question.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write\nto Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill.\nWe must tell You the name of anyone to whom we reported You as delinquent,\nand We must let those organizations know when the matter has been settled\nbetween Us. If We do not follow all of the rules above, You do not have to pay the\nfirst $50.00 of the amount You question even if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\n1)\n2)\n\nWithin 30 days of receiving Your letter, We must tell You that We received\nYour letter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\nIf You are dissatisfied with the goods or services that You have purchased with\nYour Credit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n\n1)\n\nWhile We investigate whether or not there has been an error:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report You as delinquent\non that amount.\nThe charge in question may remain on Your statement, and We may\ncontinue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible\nfor the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\nIf We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\nCopyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.\n\n2)\n3)\n\nThe purchase must have been made in Your home state or within 100 miles\nof Your current mailing address, and the purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if Your purchase\nwas based on an advertisement We mailed to You, or if We own the\ncompany that sold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses Your Credit\nCard account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\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 pay, We\nmay report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016CC ACCE (5/14)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nREWARDS PREFERRED MASTERCARD LEVEL I\nREWARDS PREFERRED MASTERCARD LEVEL II\nREWARDS PREFERRED MASTERCARD LEVEL III\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRewards Preferred Mastercard Level I\n\n2.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\n\n9.65%. This APR will vary with the market\n\nRewards Preferred Mastercard Level II\n\n5.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\n\n12.65%. This APR will vary with the market\n\nRewards Preferred Mastercard Level III\n\n8.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\nAPR for Balance Transfers\n\n15.25%. This APR will vary with the market\n\nRewards Preferred Mastercard Level I\n5.90%\nRewards Preferred Mastercard Level II\n8.90%\nRewards Preferred Mastercard Level III\n11.90%\n\nAPR for Cash Advances\n\nRewards Preferred Mastercard Level I\n2.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.65%. This APR will vary with the market based\non the Prime Rate.\nRewards Preferred Mastercard Level II\n5.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 12.65%. This APR will vary with the market\nbased on the Prime Rate.\nRewards Preferred Mastercard Level III\n8.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 15.25%. This APR will vary with the market\nbased on the Prime Rate.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04200068-MXC10-C-2-111720 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\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.\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\n1.10% of each transaction in U.S. dollars\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR if\nyou are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: January 15, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Rewards Preferred Mastercard Level I, Rewards Preferred Mastercard Level II and\nRewards Preferred Mastercard Level III are secured credit cards. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an\nIndividual 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\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nRush Fee:\n$25.00 overnight.\nStatement Copy Fee:\n$2.00.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n04200068-MXC10-C-2-111720 (MXC101-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nRATE PREFERRED VISA LEVEL I\nRATE PREFERRED VISA LEVEL II\nRATE PREFERRED VISA LEVEL III\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRate Preferred Visa Level I\n\n5.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\n\n8.65%. This APR will vary with the market\n\nRate Preferred Visa Level II\n\n7.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\n\n11.65%. This APR will vary with the market\n\nRate Preferred Visa Level III\n\n10.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\nbased on the Prime Rate.\nAPR for Balance Transfers\n\n12.50%. This APR will vary with the market\n\nRate Preferred Visa Level I\n7.90%\nRate Preferred Visa Level II\n9.90%\nRate Preferred Visa Level III\n10.75%\n\nAPR for Cash Advances\n\nRate Preferred Visa Level I\n5.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.65%. This APR will vary with the market based\non the Prime Rate.\nRate Preferred Visa Level II\n7.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 11.65%. This APR will vary with the market\nbased on the Prime Rate.\nRate Preferred Visa Level III\n10.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 12.50%. This APR will vary with the market\nbased on the Prime Rate.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04200068-MXC10-C-1-111720 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\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.\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\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR if\nyou are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: January 15, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Rate Preferred Visa Level I, Rate Preferred Visa Level II and Rate Preferred Visa\nLevel III are secured credit cards. Credit extended under this credit card account is secured by various personal\nproperty and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares\nyou specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in\nany individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in\nany other account that would lose special tax treatment under state or federal law, and (d) collateral securing\nother loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you\nacknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act\nyour credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all\nshares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a\ncovered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you\ncease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nRush Fee:\n$25.00 overnight.\nStatement Copy Fee:\n$2.00.\n\n04200068-MXC10-C-1-111720 (MXC101-E)\n\n\x0c'