b'DORT FINANCIAL CREDIT UNION\nCREDIT CARD AC COUNT OPENING DISCLOSURES\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n9.5% to 22.0% based on your creditworthiness\n\nAPR for Balance Transfers\n\n9.5% to 22.0% based on your creditworthiness\n\nAPR for Cash Advances\n\n9.5% to 22.0% based on your creditworthiness\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 26 days after the close of each billing cycle. We\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\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nwill not charge you interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\n1% of each transaction authorized by a non U.S. (foreign) merchant\n\n\xef\x82\x84 International Service Assessment\n\nPenalty Fees\n\n\xef\x82\x84 Late Payment\n\xef\x82\x84 Returned Payment\n\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\nConsensual Security Interest: You grant Dort Financial Credit Union a security interest in all individual and joint share and/or deposit\naccounts you have with us now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your\nshares. You may withdraw these other shares unless you are in default. When you are in default, you authorize us to apply the balance in\nthese accounts to any amounts due. For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s)\nto pay any or all of the unpaid balance.\n\n9048 Holly Road | Grand Blanc, MI 48439 | P.O. Box 1635 | Flint, MI 48501\noffice 810.767.8390 | toll-free 800.521.3796 | dortonline.org\n\n\x0cDORT FINANCIAL CREDIT UNION\nVISA CREDIT CARD TERMS AND CONDITIONS\nAND TRUTH IN LENDING DISCLOSURE\nSTATEMENT (\xe2\x80\x9cAGREEMENT\xe2\x80\x9d)\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to the\nperson(s) who are contractually liable for any debt owed under\nthe Account. If there are two or more such persons, each of them\nagrees to be fully liable for any debt owed under the Account\nindividually (severally) and together (jointly). If joint Account, read\nsingular pronouns in the plural.\nYou agree with Credit Union as follows:\nDefinitions. In relation to your Account and this Agreement, the\nfollowing words shall have the meaning indicated:\n\xe2\x80\x9cAccount\xe2\x80\x9d means the Visa Credit Card open end line of credit\naccount approved by Credit Union for your use.\n\xe2\x80\x9cAgreement\xe2\x80\x9d means this Visa Borrower Agreement and the items\nreferenced in this document.\n\xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d means the cost of your credit expressed\nas a yearly rate as set forth in the letter accompanying this\nAgreement when it was provided to you.\n\xe2\x80\x9cApplication\xe2\x80\x9d means your request to the Credit Union for the\nestablishment of an Account in a manner approved by the Credit\nUnion.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person(s) permitted by you to obtain\ncredit under your Account, whether or not named in your\nApplication, or any person(s) to whom you lend your card.\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the time period that expires between\nregular Monthly Billing Statements.\n\xe2\x80\x9cCard\xe2\x80\x9d means any Visa Credit Card issued to you by the Credit\nUnion pursuant to this Agreement which bears the service marks\nowned and licensed by Visa USA.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means cash credit extended by the Credit Union\nto you in the form of a loan of money made when you present the\nCard to the Credit Union or to another participating financial\ninstitution, including cash credit extended to you via an\nautomated teller machine.\n\xe2\x80\x9cClosing Date\xe2\x80\x9d means the date of the last day of a Billing Cycle.\n\xe2\x80\x9cCredit Limit\xe2\x80\x9d means the maximum amount of credit available to\nyou on your Account as set by the Credit Union from time to time.\nYour initial Credit Limit is set forth in the letter accompanying this\nAgreement when it was provided to you and which is\nincorporated herein.\n\xe2\x80\x9cCredit Purchases\xe2\x80\x9d means extensions of credit from the Credit\nUnion to you (other than Cash Advances) for Credit Purchases of\nmerchandise or services through participating merchants,\nincluding mail, electronic or phone purchase orders of\nmerchandise effectuated by using the account number on a\nCard.\n\xe2\x80\x9cCredit Union\xe2\x80\x9d means Dort Financial Credit Union or any other\nperson or entity to which the Credit Union assigns this Agreement\nor any of its rights under this Agreement.\n\xe2\x80\x9cFinance Charge\xe2\x80\x9d means the cost of credit extended to you on\nyour Account as determined by the Credit Union expressed as a\ndollar amount.\n\n\xe2\x80\x9cGrace Period\xe2\x80\x9d means the time period in which the New Balance\non a Monthly Billing Statement must be paid in full to avoid the\nfurther assessment of a Finance Charge. The Grace Period begins\non the day following the Closing Date of a Billing Cycle and\nextends until the Payment Due Date.\n\xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d means the daily periodic rate set forth in the\nletter accompanying this Agreement when it was provided to you.\n\xe2\x80\x9cMonthly Billing Statement\xe2\x80\x9d means the statement sent to you on a\nmonthly basis reflecting all charges and credits to your Account\nfor each Billing Cycle.\n\xe2\x80\x9cNew Balance\xe2\x80\x9d means the total of the Previous Balance together\nwith New Credit Purchases, Cash Advances, accrued Finance\nCharge and other fees and charges, less payments and credits,\nposted to your Account during a Billing Cycle.\n\xe2\x80\x9cNew Credit Purchase(s)\xe2\x80\x9d means the Credit Purchase(s) posted to\nyour Account during the Billing Cycle reflected on your most\nrecent Monthly Billing Statement.\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d means the date specified on your Monthly\nBilling Statement as the Payment Due Date for payment to the\nCredit Union on your Account.\n\xe2\x80\x9cPreauthorized Charges\xe2\x80\x9d means Credit Purchases for which you\nhave given your preauthorization for a merchant or other person\nto debit your Account at specified times.\n\xe2\x80\x9cPrevious Balance\xe2\x80\x9d means the balance of your Account at the\nbeginning of a Billing Cycle, which is the same amount as that\nshown on the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your Monthly Billing Statement for\nthe immediately preceding Billing Cycle.\n\xe2\x80\x9cUnauthorized Use\xe2\x80\x9d means the use of your Card by a person who\ndoes not have actual, implied or apparent authority to use that\nCard. If you receive a benefit from the use of a Card by another\nor if a Card is used by an Authorized User, such use will not be\nregarded as Unauthorized Use.\nAccount Access. You may access your Account by using your\nCard or account number to make Credit Purchases and to obtain\nCash Advances up to your Credit Limit, unless your Account is in\ndefault or has been terminated. If the Credit Union issues you a\nPersonal Identification Number, you may also use your Card to\nobtain Cash Advances via automated teller machines which\naccepts your Card for that purpose.\nPromise to Pay. You promise to pay to Credit Union all amounts\ncharged to your Account by you or by any Authorized User who\nhas access to your Account, with actual, apparent or implied\nauthority for use of your Account, including Finance Charges and\nother fees according to the required minimum monthly payment\nschedule. Your liability will extend throughout the term of this\nAgreement and until all issued and outstanding Cards are returned\nto the Credit Union and all Preauthorized Charges are canceled\nby you. If you lend your Card to another person, you will have\ngiven that person actual, implied or apparent authority to use your\nCard and you will be liable for all Credit Purchases and Cash\nAdvances made by that person on your Account until the card is\nreturned to you or the Credit Union. If more than one person is\nobligated under this Agreement, the Credit Union may accept\ndirections and written notices from any one of those persons\nwithout requiring the consent of any other persons.\nLiability for Unauthorized Use. If you notice the loss or theft of your\ncredit card or a possible unauthorized use of your card, you should\nwrite to us immediately at: Dort Financial Credit Union, P.O. Box\n1635, Flint, Michigan 48501-1635 or call us at (8\x13\x13)\x18\x15\x14\x10\x16\x1a\x1c\x19 during\nnormal business hours or (800)543-5073 (which is available 24 hours\na day). You will not be liable for any unauthorized use that occurs\nafter you notify us. You may, however, be liable for unauthorized\n\n\x0cuse that occurs before your notice to us. In any case, your liability\nwill not exceed $50.\nFinance Charge. The Finance Charges shown on your Monthly\nBilling Statement are figured by multiplying a Daily Periodic Rate\n(see the letter accompanying this Agreement when it was\nprovided to you for this rate and its corresponding Annual\nPercentage Rate) times the Daily Principal Balance of both Credit\nPurchases and Cash Advances as follows:\na.\n\nb.\n\nCash Advances. A Finance Charge will be imposed on\nCash Advances from the date charged to your account.\nFinance Charges will continue to accrue until the Closing\nDate of the Billing Cycle preceding the date on which\nthe entire New Balance is paid in full by the Payment Due\nDate or until the date of payment if after the Payment\nDue Date. The Finance Charge for a Billing Cycle is\ncomputed by applying the Daily Periodic Rate to the\nDaily Principal Balance of Cash Advances. Each daily\nprincipal balance of Cash Advances is determined by\nadding to the outstanding unpaid balance of Cash\nAdvances at the beginning of each day of the Billing\nCycle any new Cash Advances posted to your Account\nand subtracting any payments as received or credits as\nposted to your Account, but excluding any unpaid\nFinance Charges and other fees.\nCredit Purchases. A Finance Charge will be imposed on\nCredit Purchases only if you elect not to pay the entire\nNew Balance shown on your Monthly Billing Statement for\nthe previous Billing Cycle by the Payment Due Date (the\ntime between the issuance of your Monthly Billing\nStatement and the corresponding Payment Due Date is\nthe \xe2\x80\x9cGrace Period\xe2\x80\x9d). If you elect not to pay the entire\nNew Balance shown on your previous monthly statement\nduring the Grace Period, a Finance Charge will be\nimposed on the unpaid Daily Principal Balance of such\nCredit Purchases from the previous statement Closing\nDate and on New Credit Purchases from the date of\nposting to your Account during the current Billing Cycle\nexcept that if during the previous billing cycle you paid\nall amounts owing in full by the Payment Due Date, then\nin the current billing cycle you will have a free interest\nperiod on the amount of the New Balance of Purchases\nremaining from the previous billing cycle that is paid by\nthe Payment Due Date based on our payment allocation\nmethod. Finance Charges will then continue to accrue\nuntil the Closing Date of the Billing Cycle preceding the\ndate on which the entire New Balance is paid in full by\nthe Payment Due Date or until the date of payment if\nafter the Payment Due Date. The Finance Charge for a\nBilling Cycle is computed by applying the daily Periodic\nRate to the Daily Principal Balance of Credit Purchases.\nEach daily principal balance of Credit Purchases is\ndetermined by adding to the outstanding unpaid\nbalance of Credit Purchases at the beginning of each\nday of the Billing Cycle any New Credit Purchases posted\nto your Account, and subtracting any payments as\nreceived and credits as posted to your Account, but\nexcluding any unpaid Finance Charges and other fees.\n\nLate Charge. If you do not pay at least your minimum monthly\npayment by the Payment Due Date shown on your Monthly Billing\nStatement, Credit Union may assess your Account a Late Charge\nof $25.00 or the amount of your required minimum monthly\npayment, whichever is less.\nReturned Payment Charge. You will be charged a Returned\nPayment Charge for each check, draft or order which you submit\nto Credit Union as a payment on your Account which is returned\nto Credit Union unpaid in the amount of $20.00 or the amount of\nthe required Minimum Payment due immediately prior to the date\non which the payment is returned, whichever is less.\n\nInternational Transaction Fee. Your account may be charged, and\nyou agree to pay, a 1% INTERNATIONAL SERVICE ASSESSMENT FEE\non any transactions where the merchant country differs from the\ncountry of the card issuer (that is, for any transaction authorized by\na non US (foreign) merchant for both online/internet and card\npresent transactions. The converted transaction amount will be\nshown separately from the International Service Assessment Fee on\nyour billing statement.\nInformation Updates. You will provide facts to update information\ncontained in your original Application or other financial information\nrelated to you at Credit Union\xe2\x80\x99s request.\nCredit Limit. You will be notified of your Account\xe2\x80\x99s Credit Limit\nwhich will be applicable to all amounts you owe on your Account\nat any time. Credit Union reserves the right to increase or\ndecrease your Credit Limit without prior notice to you at any time\nin its sole discretion. You will keep your unpaid balance within the\nCredit Limit as set by Credit Union and you will pay any amount\nover your Credit Limit immediately to the Credit Union without\ndemand, whether or not Credit Union authorized the Credit\nPurchase or Cash Advance which caused you to exceed your\nCredit Limit. However, if you are over your Credit Limit solely\nbecause the Credit Union reduced it, you may continue to make\nonly required minimum monthly payments as described in this\nAgreement as long as you do not use your card until what you\nowe is reduced below your Credit Limit. Even if your unpaid\nbalance is less than your Credit Limit, the Credit Union may choose\nto not make credit available during any time your Account is in\ndefault.\nMinimum Monthly Payment. You will pay a minimum monthly\npayment equal to the greater of 2.50% rounded up to the next\nwhole dollar of your Account\xe2\x80\x99s New Balance or $25.00, unless your\nNew Balance is less than $25.00, in which case your payment will\nbe that balance. You may pay any amount over your minimum\nmonthly payment at any time without penalty. In addition to your\nminimum monthly payment, you agree to immediately pay to the\nCredit Union any amount past due or in excess of your Credit Limit.\nPayments must be received by the Credit Union in the manner set\nforth on your most current Monthly Billing Statement on or before\nthe Payment Due Date. All payments must be made in lawful\nmoney of the United States. You will have a payment due every\nmonth on the specified Payment Due Date even if you have paid\nmore than a regularly scheduled minimum monthly payment at\nany previous time.\nMonthly Billing Statement. Credit Union will mail you a Monthly\nBilling Statement each month in which there is a debit or credit\nbalance over $1.00, or when a Finance Charge is imposed. Credit\nUnion need not send you a monthly statement if Credit Union feels\nyour Account is uncollectible or has started collection proceedings\nagainst you because you defaulted. Except where federal law\nrequires otherwise, the Monthly Billing Statement will be final as to\nthe amount owed unless you object in writing within 60 days after\nthe Credit Union has mailed the Monthly Billing Statement to you.\nYour right under federal law to the correction of billing errors is\nexplained in the notice of Your Billing Rights which appears at the\nend of this Agreement.\nSecurity. If you have given the Credit Union a security interest in\nany property (other than a dwelling or \xe2\x80\x9chousehold goods\xe2\x80\x9d as\ndefined in the Federal Trade Commission\xe2\x80\x99s Credit Practices Rule) as\npart of any other agreement with the Credit Union, that property is\nalso pledged by you as security for the credit extended under this\nAgreement, unless prohibited by law. This provision is the Security\nsection under the Truth in Lending disclosure of this Agreement as\nwell as a statement of contract which results in collateral securing\nother loans with Credit Union also securing this Agreement. To the\nextent permitted by law, you grant Credit Union a purchase\nmoney security interest in all goods you purchase under your\nAccount to the extent you continue to owe Credit Union for the\npurchase of such goods under your Account if such goods are\n\xe2\x80\x9chousehold goods\xe2\x80\x9d, and to the extent you\n\n\x0ccontinue to owe Credit Union any money under your Account if\nsuch goods are not \xe2\x80\x9chousehold goods\xe2\x80\x9d. Further, if you give Credit\nUnion a specific pledge of other collateral to secure the\nrepayment of your Account, such as a pledge of your shares or\ndeposits, then such other collateral will also secure the repayment\nof your Account.\nSet Off and Lien Impressment. Unless prohibited by law, the Credit\nUnion shall have the right to set off the amount of any funds you\nhave in your Accounts with the Credit Union or any other amounts\nowed to you by the Credit Union against any amounts charged to\nyour Account after your Account has been canceled or\nterminated. This right of setoff will not extend to any deposits\nestablished under a governmental approved tax deferral deposit\nplan such as an I.R.A. or KEOGH account. Credit Union also\nimpresses a lien upon your shares and dividends and has the right\nto enforce that lien in a manner similar to enforcing its right of\nsetoff.\nApplication of Payments. The Credit Union reserves the right to\napply the payments to your Account in any manner it may choose\nin its sole discretion. Generally, the Credit Union will elect to apply\neach payment in the following order: (1) Late fees; (2) other\nunpaid fees and charges; (3) unpaid Finance Charges; (4) Credit\nPurchases from previous Billing Cycles: (5) Credit Purchases from\nthis Billing Cycle; (6) Cash Advances as of the closing date of the\nlast statement and (7) Cash Advances from this Billing Cycle.\nDefault and Remedy. You will be in default and the Credit Union\nmay, to the extent permitted by law, terminate your Account and\ndeclare the entire unpaid balance of your Account immediately\ndue and payable if:\na. You do not make any payment or perform any obligation\nunder this Agreement or any other agreement that you\nhave with Credit Union; or\nb. You have made a false or misleading statement on your\nApplication and/or in your representations to Credit\nUnion while you owe money on your Account; or\nc. You should die, or be involved in any bankruptcy,\ninsolvency, receivership or custodial proceedings\nbrought by or against you; or\nd. A judgment or tax lien should be filed against you or any\nattachment or garnishment should be issued against any\nof your property or rights, specifically including anyone\nstarting an action or proceeding to seize any of your\nfunds on deposit with Credit Union; and/or\ne. Credit Union should, in good faith, believe your ability to\nrepay any indebtedness due under your Account is or\nsoon will be impaired, time being of the very essence.\nIf more than one person is obligated under this Agreement, the\nCredit Union may proceed with collection action against any one\nof the persons obligated under this Agreement without first\nproceeding against or collecting from any other person. To the\nextent permitted by law, the Credit Union shall be reimbursed by\nyou for all of its costs and expenses, including actual attorneys\xe2\x80\x99\nfees, incurred in the course of collecting any amounts owed on\nyour Account.\nChange of Address. You will notify Credit Union promptly if you\nmove or otherwise have a change of address.\nForeign Transactions. Transactions occurring outside of the United\nStates under foreign currency rates will be posted to your Account\nin U.S. Dollars and may be more or less than the U.S. Dollar amount\nwhen you made the Credit Purchase or obtained the Cash\nAdvance, due to changes in the foreign exchange rate. The\nconversion rate to U.S Dollars will be at the (i) wholesale market\nrate, or (ii)the government mandated rate, whichever is\napplicable, in effect one day prior to the processing date.\nRefunds and Returns. If a merchant or other person honoring your\nCard agrees to give you a refund or adjustment on a Credit\nPurchase, you agree to accept a credit to your Account in lieu of\na cash refund or cash adjustment.\n\nDisputes. You agree to make a good faith effort to settle all\ndisputes concerning Credit Purchases made through the use of\nyour Card with the merchant or other person honoring the Card.\nExcept as provided in the notice of Your Billing Rights, you agree to\npay the Credit Union all amounts charged to your Account\ndespite any such dispute.\nWaiver of Claims. You waive and release Credit Union from all\ndefenses, rights and claims you may have against any person or\ncompany honoring a Card or other access device or not\npermitting a Credit Purchase or Cash Advance, except where\nsuch rights cannot be waived under the Fair Credit Billing Act (see\nYour Billing Rights). If your Account s available to provide overdraft\nprotection to a deposit account under a separate Overdraft\nProtection Request Agreement, you hold Credit Union harmless\nfrom any and all claims which might otherwise arise if an advance\nis not processed to cover an overdraft regardless of whether or not\ncredit was available under your Account.\nCancellation. You may cancel this Agreement with Credit Union\nor revoke any Authorized User\xe2\x80\x99s status at any time by notifying\nCredit Union in writing. You understand and agree that Credit\nUnion has up to ten (10) days after such notice to effectuate your\ncancellation or revocation of Authorized User\xe2\x80\x99s status. You remain\nobligated to Credit Union for all Credit Purchases or Cash\nAdvances that the Credit Union is unable to prevent made prior to\nor up to thirty (30) days after such cancellation or revocation if you\nhave not returned all affected Cards, and Credit Union may\ndeclare your balance due and payable together with all\napplication Finance Charges and other fees and charges;\notherwise you remain obligated to repay any unpaid balance\naccording to the Agreement.\nAmendment. Credit Union may change the terms of this\nAgreement by mailing or delivering to you written notice of the\nchanges as prescribed by the Federal Truth in Lending Act or other\napplicable law.\nDelay in Enforcement. The Credit Union does not lose any of its\nrights under this Agreement if it delays enforcing them.\nEffect of Unenforceable Provision. If any provision of this\nAgreement is determined to be unenforceable or invalid, all other\nprovisions shall remain in full force and effect.\nProvision Captions. The captions and catch lines used in the\nAgreement are for convenience of reference only and in no way\ndefine, limit or describe the scope of intent of any provision of this\nAgreement.\nApplicability. This Agreement applies to your Visa Credit Card\nAccount with the Credit Union.\nAssignability. You shall have no right to transfer your Account or to\nassign this Agreement. The Credit Union, however, shall have the\nright to assign and transfer, at any time and in its sole discretion,\nthis Agreement or any or all of its rights under this Agreement to\nany other person or entity.\nOwnership of Card(s). Any Card (s) issued in relation to your\nAccount is the property of the Credit Union and upon demand of\nCredit Union, you will surrender it to Credit Union or its authorized\nagent or destroy it by cutting it in half.\nSkip Payment. At Credit Union\xe2\x80\x99s option, you may be permitted to\nskip a minimum monthly payment for one or more months. A fee\nwill be charged for each skip. Finance Charges will continue to\naccrue on your unpaid balance at all times. After the skip, your\nnext minimum monthly payment will be calculated accordingly to\nthis Agreement.\nGoverning Law. Except to the extent that federal law controls, this\nAgreement is controlled by the laws of the State of Michigan.\n\n\x0cYOUR BILLING RIGHTS\n(Keep This Document for Future Use)\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nWHAT TO DO IF YOU FIND A MISTAKE ON\nYOUR STATEMENT\nIf you think there is an error on your statement, write to us at:\nDort Financial Credit Union\nP. O. Box 1635\nFlint, Michigan 48501-1635\nYou may also contact us on the Web: www.Dortonline.org\n\nIn your letter, give us the following information:\n\nx\nx\nx\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\nbill, describe what you believe is wrong and why you believe\nit is a mistake.\n\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill\nis correct.\n\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\n\nTo use this right, all of the following must be true:\nx\n\nYou must contact us:\n\nx\nx\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nx\nx\n\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\nx\n\nWHAT WILL HAPPEN AFTER WE RECEIVE\nYOUR LETTER\nWhen we receive your letter, we must do two things:\nx\n\nx\n\nWithin 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have\nalready corrected the error.\nWithin 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill is\ncorrect.\n\nWhile we investigate whether or not there has been\nan error:\nx\n\nx\n\nx\n\nx\n\nWe cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\nThe charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you\nare responsible for 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\nwill happen:\nx\n\nx\n\nIf we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to that\namount.\nIf we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\n\nThe purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (NOTE:\nNeither of these are necessary if your purchase was based\non 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.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not\nqualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nDort Financial Credit Union\nP.O. Box 1635\nFlint, Michigan 48501-1635\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'b. Honoring the Card. Neither we nor merchants\nauthorized to honor the Card will be responsible for\nthe failure or refusal to honor the Card or any other\ncredit instrument or device we supply to you. If a\nmerchant agrees to give you a refund or adjustment,\nyou agree to accept a credit to your Account in lieu of\na cash refund.\nc. Currency Conversion/Foreign Transaction Fee.\nPurchases and cash advances made in foreign\ncountries will be billed to you in U.S. dollars. The\ncurrency conversion rate for international transactions\nas established by VISA International, Inc. is a rate\nselected by VISA from the range of rates available in\nwholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate\nVISA itself receives, or the government-mandated\nrateineffectfortheapplicablecentralprocessingdate.In\naddition, you will be charged a Foreign Transaction\nFee of 1% of the transaction amount for any card\ntransaction made in a foreign country.\nd. Notices and Payments. All notices will be sent to your\naddress as shown on your credit union account. You\nagree to advise us promptly if you change your mailing\naddress. All payments should be mailed to us at the\nremittance address shown on your monthly statements.\nPayments received at that address will be credited to\nyour Account as of the date received.\ne. Personal Identification Number. We will issue you\na Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with\nyour Card at automatic teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d).\nThese numbers are issued to you for your security\npurposes. These numbers are confidential and\nshould not be disclosed to third parties. You are\nresponsible for safekeeping your PIN. You agree\nnot to disclose or otherwise make available your PIN\nto anyone not authorized to sign on your Account. To\nkeep your Account secure, please do not write your\nPIN on your Card or keep it in the same place as your\nCard.\n13. LOAN PROTECTION. Loan Protection coverage\nis not required for any extension of credit under this\nAgreement. However, you may purchase any loan\nprotection available through us and have the premiums\nadded to your outstanding balance. If you elect to do\nso, you will be given the necessary disclosures and\ndocuments separately.\n14. DEFAULT. You will be in default under this Agreement\nif any of the following occur: (a) Any minimum monthly\npayment is not made when due; (b) You become\ninsolvent, bankrupt, or you die; (c) You violate any part\nof this Agreement, or any other agreement with us; or\n\n(d) if we reasonably deem ourselves insecure on your\ncredit line. We will notify you in writing of any such action\nas soon as practical if it occurs. Upon default, we may\ndeclare the entire unpaid balance immediately due and\npayable, and you agree to pay that amount plus any\nattorney\xe2\x80\x99s fees and costs including collection agency\ncosts incurred by us. We can delay enforcing any right\nunder this Agreement without losing that right or any\nother right. A negative credit report reflecting on your\ncredit record may be submitted to a credit-reporting\nagency if you fail to fulfill the terms of this Agreement.\n15. CREDIT INFORMATION/FINANCIAL STATEMENTS.\nYou authorize us to release information to others\n(e.g., credit bureaus, merchants, and other financial\ninstitutions) regarding the status and history of your\ncredit line. You agree to provide us, at any time we\ndeem necessary, with a current financial statement\nand updated credit information upon request. We\nmay investigate your credit directly or through a credit\nreporting agency.\n16. LOSS OR THEFT OF VISA CREDIT CARD OR\nCONVENIENCE CHECKS. You agree to notify us\nimmediately of the loss, or the theft, or the use without\nyour permission, of any Card or other credit instrument\nor device which we supply to you. You may be liable for\nthe unauthorized use which occurs after you notify us at:\nTelephone: (800) 449-7728 or by writing us at P.O. Box\n31112, Tampa, FL 33631-3112 orally or in writing of loss,\ntheft, or possible unauthorized use. If you notify us of your\nlost or stolen Credit Card after discovery, you may not be\nliable for any losses related to credit transactions. This\nzero liability will apply provided you were not grossly\nnegligent or fraudulent in handling your Card; otherwise\nyour liability for unauthorized VISA Credit Card\ntransactions shall not exceed $50.\n17.YOUR CREDIT CARD BILLING RIGHTS. Keep this\ndocument for future use. This notice tells you about your\nrights and our responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your statement, write\nto us at: OneAZ Credit Union, P.O. Box 31112, Tampa,\nFL 33631-3112. In your letter, give us the following\ninformation:\n\xe2\x80\xa2 Account information: Your name and account\n\t\tnumber.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the\n\t\tsuspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an\n\n\t\t error on your bill, describe what you believe is\n\t\t wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\n\t\tstatement.\n\xe2\x80\xa2 At least 3 business days before an automated\n\t\t payment is scheduled, if you want to stop payment\n\t\t on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the\namount 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\nyou that we received your letter. We will also tell you\nif we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question,\n\t\t or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\n\t\t statement, and we may continue to charge you\n\t\t interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in\n\t\t question, you are responsible for the remainder\n\t\t of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your\n\t\tcredit limit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay\n\t\t the amount in question or any interest or other\n\t\t fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You\n\t\t will have to pay the amount in question, along\n\t\t with applicable interest and fees. We will send\n\t\t you a statement of the amount you owe and\n\t\t the date payment is due. We may then report you\n\t\t as delinquent if you do not pay the amount we\n\t\t think you owe. If you receive our explanation but\n\t\t still believe your bill is wrong, you must write to us\n\t\t within 10 days telling us that you still refuse to pay.\n\t\t If you do so, we cannot report you as delinquent\n\t\t without also reporting that you are questioning\n\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us. If we do not follow all of the rules above,\nyou do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\n\nagreement and contains the terms applicable to the\ncredit transaction.\n\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods\nor services that you have purchased with your credit\ncard, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To\nuse this right, all of the following must be true:\n\nVisa\xc2\xae Platinum\nCredit Card\nAgreement and Disclosures\n\n1. The purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account\ndo 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\ndissatisfied with the purchase, contact us in writing at\nthe above address. While we investigate, the same\nrules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe\nan amount and you do not pay, we may report you as\ndelinquent.\n18. AMENDMENTS. We reserve the right to amend the\nterms and conditions of this Agreement as permitted by\nand subject to any limitations or notice requirements of\napplicable law.\n19. GOVERNING LAW. This Agreement will not take\neffect until it is approved by us. This Agreement shall be\ngoverned by the laws of the State of Arizona.\n20. ENTIRE AGREEMENT. You understand and agree\nto the terms and conditions in this VISA Credit Card\nAgreement. You acknowledge that you have received\na copy of the Agreement. This Agreement is a final\nexpression of the agreement between you and the\nCredit Union. This Agreement may not be contradicted\nby evidence of any oral agreement or alleged oral\n\n2355 W. Pinnacle Peak Rd.\nPhoenix, AZ 85027\nREV. 4/20/16\n\nM-118435\n\n\x0cONEAZ CREDIT UNION\nVISA\xc2\xae PLATINUM CREDIT CARD\nAGREEMENT AND DISCLOSURE\n\n1. INTRODUCTION. This VISA Credit Card Agreement\n(Agreement) and the Account Disclosures accompanying\nthis Agreement will govern your VISA Platinum Credit\nCard and account issued by OneAZ Credit Union. In\nthis Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d\n\xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who\nsigns the application for this Account, any joint obligor,\nguarantor, authorized user, or the person whose name\nis embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d\nand \xe2\x80\x9cLender\xe2\x80\x9d mean OneAZ Credit Union. The word\n\xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued\nunder the Credit Union\xe2\x80\x99s VISA Card program. If you sign\nor cosign an application for this Account or sign or use\nany Card or PIN, or allow others to use the Card or PIN,\nyou and they will have accepted this Agreement just\nas if you and they signed it, and you and they, jointly\nand severally, will be bound by the following terms and\nconditions which will govern this Account.\n2. ACCOUNT ACCESS.\na. Purchases, Cash Advances & Balance Transfers.\nYou must sign the Card to use it. Once you have\nsigned the Card, you can use it to buy or lease goods\nor services, wherever the Card is honored, up to\nthe full amount of your credit line. You may use your\nAccount to get cash advances from us. You may also\nuse your Card to get a cash advance from participating\nfinancial institutions or automated teller machine\n(ATM). You may use your Card to purchase goods\nand services any place your VISA Card is honored\nby participating merchants. In addition, you may\naccess your account through balance transfers of\ncredit card balances from other financial institutions.\nNo purchase may exceed the available credit line\nestablished for your account. The Credit Union\nreserves the right to refuse any transaction that would\ndraw upon insufficient funds.\nb. VISA Convenience Checks. If we approve, you may\nobtain advances under your Account by writing\npreprinted VISA convenience loan checks that we\nsupply to you. Your use of loan checks will be shown\nas cash advances on your monthly statement. We\nmay not honor your loan check if: your check is postdated; payment of the check would exceed your\nCredit Limit; a check is signed by person without\nauthorized access; the amount of the check is less\nthan the minimum required amount; your Account\nhas been terminated or suspended, or any drafts have\n\nbeen reported lost or stolen. You may stop\npayment on a loan check if you provide us with the\nexact information describing the check. If you give\nus incorrect information, we will not be responsible\nfor failing to stop payment. You understand there may\nbe a charge for each stop payment order requested.\nOur liability for a wrongful dishonor is limited to your\nactual charges; however, a dishonor for the reasons\nstated above is not a wrongful dishonor. Only the\nperson whose name is printed on a convenience\ncheck may sign it. All convenience checks must be\nwritten in U.S. dollars. We will not certify a\nconvenience check. You may write these checks for\nany amount providing your total outstanding balance\ndoes not exceed your available credit limit and your\ncredit card remains in good standing. We are entitled\nto return it unpaid if there is not enough available\ncredit on your account to pay it, if you are in default\nunder this Agreement, if your card or convenience\nchecks have been reported lost or stolen, or if the\nconvenience check is post-dated. A VISA\nconvenience check may not be used to make a\npayment on your VISA credit card account. The\nCredit Union shall have no liability for any convenience\ncheck returned in excess of your credit line.\n3. YOU PROMISE TO PAY. You promise to pay us all\nsuch amounts, plus any Interest Charges, which arise\nfrom use of the Card or Account by you or any other\nperson, and to be jointly and severally liable with such a\nperson, unless such other person does not have actual,\nimplied, or apparent authority for such use, and you\nreceived no benefit from the use. You promise to pay\nus either by direct payment or by automatic transfers.\n4. CREDIT LINE. This Agreement will constitute a\nrevolving line of credit for an amount which will be the\ncredit line under your Account. You may access your\ncredit line through card purchases, cash advances\nat participating merchants, loan checks and balance\ntransfers. We will advise you of the amount of your\ncredit line on your statement. That amount will be the\nmaximum amount you may have outstanding at any one\ntime. You agree not to attempt to obtain more credit\nthan the amount of your credit line. We retain the right\nto increase or decrease your credit line at any time for\nany reason. Any increase or reduction on the limit of your\ncredit line will be shown on your monthly statement or\nby separate notice together with any changes in the\napplicable minimum monthly payments. Your eligibility\nfor this credit line is determined by our loan policy\nand may be terminated at our sole discretion, without\ndemand or notice. You may close your credit line at\n\nany time by notifying us in writing. If you terminate this\nAgreement or if we terminate or suspend your credit\nprivileges, the provisions of this Agreement and your\nliability hereunder shall otherwise remain in full force\nand effect until you have paid us all sums due us under\nthis Agreement.\n5. MINIMUM MONTHLY PAYMENT. You agree that you\nwill pay each month not less than the minimum monthly\npayment on or before the scheduled monthly due date.\nThe minimum monthly payment will be 2.0% of your is\ngreater. If your outstanding balance is $25.00 or less, you\nagree to pay the balance in full. You may pay in full for all\nyour purchases and cash advances each month, or you\nmay repay in monthly installments. We can accept late\npayments or partial payments, or checks, drafts, or money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice\nto our rights under this Agreement, which are hereby\nexplicitly reserved. A credit posting from a merchant or\nreversal of fees do not constitute a minimum payment.\nThe minimum payment may be allocated at the Credit\nUnion\xe2\x80\x99s discretion to pay off lower rate balances, such\nas promotional offers, before higher rate balances, such\nas cash advances or purchases. Payments in excess of\nthe minimum payment will be allocated first to higher\nrate balances, as applicable. From time to time, we may\nallow you to skip your minimum monthly payment due.\nIf you choose to skip that payment, Interest Charges will\ncontinue to accrue in accordance with this Agreement.\nPayments received at: 2355 W. Pinnacle Peak Rd.,\nPhoenix, AZ 85027 at or before 5:00 PM Mountain\nStandard Time on any business day will be credited to\nyour Account as of that date; payments received by mail\nat that address after 5:00 PM Mountain Standard Time,\non a weekend or federal holiday will be posted to your\nAccount as of the next business day. Payment crediting\nto your Account may be delayed up to five days if your\npayment is received by mail at any other address or not\naccompanied by the remittance portion of your Account\nstatement.\n6. SECURITY INTEREST. You grant the Credit Union a\nsecurity interest under the Arizona Uniform Commercial\nCode in any goods purchased through your VISA Credit\nCard Account. You agree that all collateral you have given\nthe Credit Union to secure other open-end consumer\nloan obligations (except dwelling secured loans), in\nthe past and in the future, will secure your obligations\nunder this Agreement. In addition, by signing the Card\nApplication, you have given us a security interest in all\nyour shares and deposits, present and future, and all\naccounts (except Individual Retirement Accounts) with\nthe Credit Union you agree, upon default, the Credit\n\nUnion may apply all that is secured to pay any amounts\ndue under this Agreement, without further notice to you.\n7. MONTHLY STATEMENTS. Each month we will send\nyou a statement showing purchases, cash advances,\npayments, and credits made to your Account during\nthe billing cycle, as well as your \xe2\x80\x9cNew Balance,\xe2\x80\x9d any\nInterest Charge and any late charge or other charges.\nYour statement also will identify the Minimum monthly\npayment you must make for that billing period and\nthe date it is due. You agree to retain for statement\nverification copies of transaction slips resulting from\neach purchase, each advance, and other transaction on\nyour Account. Unless you notify us of a billing error as\ndescribed below, you accept your monthly statement as\nan accurate statement of your Account with us.\n8. CIRCUMSTANCES UNDER WHICH AN INTEREST\nCHARGE WILL BE IMPOSED. The total outstanding\nbalance of purchases and cash advances in the Account\non the closing date of a billing cycle, including any\nInterest Charge will be shown on the Periodic Statement\nfor that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na. Cash Advances (Interest Charge). An interest\nCharge will be imposed on cash advances and\nbalance transfers from the date each advance is\nmade to the date paid. The Credit Union charges\na cash advance fee (Interest Charge) of 3% of the\ncash advance transaction (minimum $10.00) from\nthe date of the transaction until the amount is paid.\nThere is no grace period to avoid a cash advance fee\n(Interest Charge). There is no cash advance fee on\nbalance transfer advances or convenience checks.\nThere is a minimum Interest Charge of $1.00 on\nunpaid balances.\nb. Purchases. An Interest Charge will be imposed on\nthe portion of purchases included in the new balance\nthat remains unpaid 25 days after the closing date.\nThis \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an Interest\nCharge on purchases for a billing cycle. However, to\nthe extent you do not pay your purchase transactions\nwithin the grace period, your Interest Charge will\naccrue from the date purchases are posted to your\naccount. There is a minimum Interest Charge of\n$1.00 on unpaid balances.\n9. METHOD USED TO DETERMINE THE BALANCE\nON WHICH THE INTEREST CHARGE MAY BE\nCOMPUTED AND AMOUNT OF INTEREST CHARGE.\nThe Credit Union figures the Periodic Interest Charge\non your Account by applying the Periodic Rate to the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of new and previous unpaid\ntransactions for your Account. To get the \xe2\x80\x9cAverage\n\nDaily Balance\xe2\x80\x9d we take the beginning purchase and\ncash advance balances of your Account each day, add\nany new purchases, cash advances, balance transfer\namounts or debit adjustments or charges and subtract\nany payments or credits, unpaid Interest Charges and\nunpaid late charges. This gives us the daily balance.\nThen we add up all the daily balances for the billing\ncycle and divide by the number of days in the billing\ncycle. This gives us the Average Daily Balance for\npurchases, cash advances and balance transfers.\n10. PERIODIC RATE AND CORRESPONDING ANNUAL\nPERCENTAGE RATE.\na. Variable Rate. During an introductory period, we\noffer a fixed Annual Percentage Rate for purchases, cash\nadvances and balance transfers. The introductory\nperiod is six months for purchases and cash\nadvances and nine months for balance transfers.\nAfter the introductory period, your Annual Percentage\nRate will be variable based on the following terms.\nThe Interest Charge imposed during the billing cycle\nwill be determined by multiplying the Average Daily\nBalance by the Daily Periodic Rate times the number\nof days in the billing cycle. The Periodic Rate and\nAnnual Percentage Rate are variable based on a\nmargin and an index, which is the highest Prime\nRate published in the Western Edition of the Money\nRates Section of the Wall Street Journal. We add a\nmargin to the index to obtain the Annual Percentage\nRate. The margin we add may range from 6.74%\nto 14.75% based upon your credit qualifications.\nThe index is determined the 1st day of the billing\ncycle immediately following the expiration of the\nIntroductory Rate period and subsequently, on the\n15th day of the month immediately proceeding the\n1st day of each billing cycle, rounded to the nearest\n.25 percentage point. The index plus/minus margin\nequals the Annual Percentage Rate. The Annual\nPercentage Rate is divided by 365 to determine\nthe Daily Periodic Rate. Changes in the Annual\nPercentage Rate may affect the amount of the\npayment and the number of payments you will make.\nThe Annual Percentage Rate will never exceed\n18.00%. The Annual Percentage Rate and Periodic\nRate applicable to your account will be based upon\nyour credit qualification and margin assigned to\nyou and will be disclosed on a separate disclosure\naccompanying your Card or this Agreement and\nshown on each monthly statement. The \xe2\x80\x9cTotal\nInterest Charge\xe2\x80\x9d shown on your monthly statement\nconsists of the periodic Interest Charge on purchases,\nthe periodic Interest Charge on cash advances and\nCash Advance (Interest Charge) fees.\n\nb. Default Rate. The Daily Periodic Rate and Annual\nPercentage Rate may increase if your minimum\npayment has not been received within 60 days after\nthe due date for such payment, in which case the\nAnnual Percentage Rate for your entire balance\nwill immediately increase to 18.00%. Following the\ndefault rate increase, if you make your payments\non time for six (6) consecutive months, the Annual\nPercentage Rate based on a default will terminate\nand the prevailing variable Annual Percentage Rate\nwill apply.\n11. CONDITIONS UNDER WHICH OTHER CHARGES\nMAY BE IMPOSED. You agree to pay the following fees\nand charges on your Account:\na. Late Fee. If we do not receive your minimum payment\nby the payment due date shown on your statement,\nyou agree to pay a Late Fee of $25.00.\nb. Returned Item Charge. If any check or draft we\nreceive from you as payment for any amount you\nowe to us is returned to us unpaid, you agree to pay\na returned item fee of $25.00 or the amount of the\nreturned item, whichever is less.\nc. ATM Fees. If you use an ATM to obtain a cash\nadvance and the ATM is not operated by us, you may\nbe charged an ATM surcharge by the ATM operator\nor an ATM network utilized for such a transaction.\nThe ATM surcharge may be charged to your account\nif you complete the transaction.\nd. Attorney\xe2\x80\x99s Fees and Costs. If you default on any\npart of this Agreement, you agree to pay us all\ncosts to collect your Account, including court costs\nand reasonable attorney fees and collection agency\ncosts whether or not there is a lawsuit, and fees on\nany appeal and fees for bankruptcy proceedings,\nappeals, and any post judgment collection services,\nif applicable.\n12. CONDITIONS OF CARD USE. The use of your Card\nand Account are subject to the following conditions:\na. Ownership of Cards. Any Card or other credit\ninstrument or device which we supply to you is\nour property and must be returned to us, or to any\nperson whom we authorize to act as our agent, or\nto any person who is authorized to honor the Card,\nimmediately according to instructions. The Card may\nbe repossessed at any time at our sole discretion\nwithout demand or notice. You cannot transfer your\nCard or Account to another person. You may not\nuse the Card for any illegal or unlawful transactions\nand we may decline to authorize any transaction\nthat we believe poses an undue risk of illegality or\nunlawfulness.\n\n\x0c'


b'Card and Account are subject to the following\nconditions:\na. Ownership of Cards. Any Card or other credit\ninstrument or device which we supply to you is\nour property and must be returned to us, or to any\nperson whom we authorize to act as our agent, or\nto any person who is authorized to honor the Card,\nimmediately according to instructions. The Card\nmay be repossessed at any time at our sole\ndiscretion without demand or notice. You cannot\ntransfer your Card or Account to another person.\nYou may not use the Card for any illegal or unlawful\ntransactions and we may decline to authorize any\ntransaction that we believe poses an undue risk of\nillegality or unlawfulness.\nb. Honoring the Card. Neither we nor merchants\nauthorized to honor the Card will be responsible\nfor the failure or refusal to honor the Card or any\nother credit instrument or device we supply to\nyou. If a merchant agrees to give you a refund\nor adjustment, you agree to accept a credit to your\nAccount in lieu of a cash refund.\nc. Currency Conversion/Foreign Transaction Fee.\nPurchases and cash advances made in foreign\ncountries will be billed to you in U.S. dollars. The\ncurrency conversion rate for international\ntransactions as established by VISA International,\nInc. is a rate selected by VISA from the range of\nrates available in wholesale currency markets for\nthe applicable central processing date, which rate\nmay vary from the rate VISA itself receives, or the\ngovernment mandated rate in effect for the\napplicable central processing date. In addition,\nyou will be charged a Foreign Transaction Fee of\n1% of the transaction amount for any card\ntransaction made in a foreign country.\nd. Notices and Payments. All notices will be sent\nto your address as shown on your credit union\naccount. You agree to advise us promptly if you\nchange your mailing address. All payments should\nbe mailed to us at the remittance address shown\non your monthly statements. Payments received at\nthat address will be credited to your Account as of\nthe date received.\ne. Personal Identification Number. We will issue you\na Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use\nwith your Card at automatic teller machines\n(\xe2\x80\x9cATMs\xe2\x80\x9d). These numbers are issued to you for your\nsecurity purposes. These numbers are confidential\nand should not be disclosed to third parties. You\nare responsible for safekeeping your PIN. You\nagree not to disclose or otherwise make available\nyour PIN to anyone not authorized to sign on your\n\nAccount. To keep your Account secure, please do\nnot write your PIN on your Card or keep it in the\nsame place as your Card.\n\ngrossly negligent or fraudulent in handling your Card;\notherwise your liability for unauthorized VISA Credit\nCard transactions shall not exceed $50.\n\n13. LOAN PROTECTION. Loan Protection coverage\nis not required for any extension of credit under\nthis Agreement. However, you may purchase any\nloan protection available through us and have the\npremiums added to your outstanding balance. If\nyou elect to do so, you will be given the necessary\ndisclosures and documents separately.\n\n17. YOUR CREDIT CARD BILLING RIGHTS. Keep\nthis document for future use. This notice tells you\nabout your rights and our responsibilities under the\nFair Credit Billing Act.\n\n14. DEFAULT. You will be in default under this\nAgreement if any of the following occur: (a) Any\nminimum monthly payment is not made when due;\n(b) You become insolvent, bankrupt, or you die; (c)\nYou violate any part of this Agreement, or any other\nagreement with us; or (d) if we reasonably deem\nourselves insecure on your credit line. We will notify\nyou in writing of any such action as soon as practical\nif it occurs. Upon default, we may declare the entire\nunpaid balance immediately due and payable, and\nyou agree to pay that amount plus any attorney\xe2\x80\x99s fees\nand costs including collection agency costs incurred\nby us. We can delay enforcing any right under this\nAgreement without losing that right or any other\nright. A negative credit report reflecting on your\ncredit record may be submitted to a credit-reporting\nagency if you fail to fulfill the terms of this Agreement.\n15. CREDIT INFORMATION / FINANCIAL STATEMENTS.\nYou authorize us to release information to others\n(e.g., credit bureaus, merchants, and other financial\ninstitutions) regarding the status and history of your\ncredit line. You agree to provide us, at any time we\ndeem necessary, with a current financial statement\nand updated credit information upon request. We\nmay investigate your credit directly or through a credit\nreporting agency.\n16. LOSS OR THEFT OF VISA CREDIT CARD OR\nCONVENIENCE CHECKS. You agree to notify us\nimmediately of the loss, or the theft, or the use\nwithout your permission, of any Card or other credit\ninstrument or device which we supply to you. You\nmay be liable for the unauthorized use which occurs\nafter you notify us at: Telephone: (800) 449-7728 or\nby writing us at P.O. Box 31112, Tampa, FL 336313112 orally or in writing of loss, theft, or possible\nunauthorized use. If you notify us of your lost or\nstolen Credit Card after discovery, you may not be\nliable for any losses related to credit transactions.\nThis zero liability will apply provided you were not\n\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your statement, write\nto us at: OneAZ Credit Union, P.O. Box 31112, Tampa,\nFL 33631-3112. In your letter, give us the following\ninformation:\n\xe2\x80\xa2 Account information: Your name and account\n\t\tnumber.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the\n\t\t suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an\n\t\t error on your bill, describe what you believe is\n\t\t wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\n\t\tstatement.\n\xe2\x80\xa2 At least 3 business days before an automated\n\t\t payment is scheduled, if you want to stop\n\t\t payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing.\nYou may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to\npay 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\nyou that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been\nan error:\n\xe2\x80\xa2 We cannot try to collect the amount in question,\n\t\t or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\n\t\t statement, and we may continue to charge you\n\t\t interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in\n\t\t question, you are responsible for the remainder\n\t\t of your balance.\n\n\xe2\x80\xa2 We can apply any unpaid amount against your\n\t\t credit limit.\nAfter we finish our investigation, one of two things\nwill happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay\n\t\t the amount in question or any interest or other\n\t\t fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You\n\t\t will have to pay the amount in question, along\n\t\t with applicable interest and fees. We will send\n\t\t you a statement of the amount you owe and\n\t\t the date payment is due. We may then report\n\t\t you as delinquent if you do not pay the amount\n\t\t we think you owe.\nIf you receive our explanation but still believe your bill\nis wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting\nthat you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we\ndo not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question even\nif your bill is correct.\n\nwill tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report\nyou as delinquent.\n18. AMENDMENTS. We reserve the right to amend\nthe terms and conditions of this Agreement as\npermitted by and subject to any limitations or notice\nrequirements of applicable law.\n19. GOVERNING LAW. This Agreement will not take\neffect until it is approved by us. This Agreement shall\nbe governed by the laws of the State of Arizona.\n20. ENTIRE AGREEMENT. You understand and agree\nto the terms and conditions in this VISA Credit Card\nAgreement. You acknowledge that you have received\na copy of the Agreement. This Agreement is a\nfinal expression of the agreement between you\nand the Credit Union. This Agreement may not be\ncontradicted by evidence of any oral agreement\nor alleged oral agreement and contains the terms\napplicable to the credit transaction.\n\nChoice Rewards\nCredit Card\nAgreement and Disclosures\n\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods\nor services that you have purchased with your credit\ncard, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right\nnot 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\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement\nwe mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit card for the\npurchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing\nat the above address. While we investigate, the\nsame rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we\n\n2355 W. Pinnacle Peak Rd.\nPhoenix, AZ 85027\nREV. 4/20/16\n\nM-118444\n\n\x0cONEAZ CREDIT UNION\nCHOICE REWARDS CREDIT CARD\nAGREEMENT AND DISCLOSURE\n\n1. INTRODUCTION. This VISA Credit Card Agreement\n(Agreement)\nand\nthe\nAccount\nDisclosures\naccompanying this Agreement will govern your\nChoice Rewards Credit Card and account issued by\nOneAZ Credit Union. In this Agreement the words\n\xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d\nmean any person who signs the application for this\nAccount, any joint obligor, guarantor, authorized user,\nor the person whose name is embossed on the Card.\nThe words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cLender\xe2\x80\x9d mean\nOneAZ Credit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any\none or more credit cards issued under the Credit\nUnion\xe2\x80\x99s VISA Card program. If you sign or cosign an\napplication for this Account or sign or use any Card\nor PIN, or allow others to use the Card or PIN, you\nand they will have accepted this Agreement just as if\nyou and they signed it, and you and they, jointly and\nseverally, will be bound by the following terms and\nconditions which will govern this Account.\n2. ACCOUNT ACCESS.\na. Purchases, Cash Advances & Balance Transfers.\nYou must sign the Card to use it. Once you have\nsigned the Card, you can use it to buy or lease\ngoods or services, wherever the Card is honored,\nup to the full amount of your credit line. You may\nuse your Account to get cash advances from us. You\nmay also use your Card to get a cash advance from\nparticipating financial institutions or automated\nteller machine (ATM). You may use your Card to\npurchase goods and services any place your\nVISA Card is honored by participating merchants.\nIn addition, you may access your account through\nbalance transfers of credit card balances from\nother financial institutions. No purchase may\nexceed the available credit line established for your\naccount. The Credit Union reserves the right\nto refuse any transaction that would draw upon\ninsufficient funds.\nb. VISA Convenience Checks. If available, you may\nobtain advances under your Account by writing\npreprinted VISA convenience loan checks that we\nsupply to you. Your use of loan checks will be\nshown as cash advances on your monthly\nstatement. We may not honor your loan check if:\nyour check is post-dated; payment of the check\nwould exceed your Credit Limit; a check is signed\nby person without authorized access; the amount of\n\nthe check is less than the minimum required\namount; your Account has been terminated or\nsuspended, or any drafts have been reported lost\nor stolen. You may stop payment on a loan check if\nyou provide us with the exact information\ndescribing the check. If you give us incorrect\ninformation, we will not be responsible for failing to\nstop payment. You understand there may be a\ncharge for each stop payment order requested.\nOur liability for a wrongful dishonor is limited\nto your actual charges; however, a dishonor for the\nreasons stated above is not a wrongful dishonor.\nOnly the person whose name is printed on a\nconvenience check may sign it. All convenience\nchecks must be written in U.S. dollars. We will\nnot certify a convenience check. You may write\nthese checks for any amount providing your total\noutstanding balance does not exceed your\navailable credit limit and your credit card remains\nin good standing. We are entitled to return it\nunpaid if there is not enough available credit on\nyour account to pay it, if you are in default under this\nAgreement, if your card or convenience checks have\nbeen reported lost or stolen, or if the convenience\ncheck is post-dated. A VISA convenience check\nmay not be used to make a payment on your VISA\ncredit card account. The Credit Union shall have no\nliability for any convenience check returned in\nexcess of your credit line.\n3. YOU PROMISE TO PAY. You promise to pay us\nall such amounts, plus any Interest Charges, which\narise from use of the Card or Account by you or any\nother person, and to be jointly and severally liable\nwith such a person, unless such other person does\nnot have actual, implied, or apparent authority for\nsuch use, and you received no benefit from the use.\nYou promise to pay us either by direct payment or by\nautomatic transfers.\n4. CREDIT LINE. This Agreement will constitute a\nrevolving line of credit for an amount which will\nbe the credit line under your Account. You may\naccess your credit line through card purchases, cash\nadvances at participating merchants, loan checks\nand balance transfers. We will advise you of the\namount of your credit line on your statement.\nThat amount will be the maximum amount you may\nhave outstanding at any one time. You agree not to\nattempt to obtain more credit than the amount\nof your credit line. We retain the right to increase\nor decrease your credit line at any time for any\nreason. Any increase or reduction on the limit of your\n\ncredit line will be shown on your monthly statement\nor by separate notice together with any changes in\nthe applicable minimum monthly payments. Your\neligibility for this credit line is determined by our\nloan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close\nyour credit line at any time by notifying us in writing.\nIf you terminate this Agreement or if we terminate\nor suspend your credit privileges, the provisions of\nthis Agreement and your liability hereunder shall\notherwise remain in full force and effect until you have\npaid us all sums due us under this Agreement.\n\nyour VISA Credit Card Account. You agree that all\ncollateral you have given the Credit Union to secure\nother open-end consumer loan obligations (except\ndwelling secured loans), in the past and in the future,\nwill secure your obligations under this Agreement. In\naddition, by signing the Card Application, you have\ngiven us a security interest in all your shares and\ndeposits, present and future, and all accounts (except\nIndividual Retirement Accounts) with the Credit Union\nyou agree, upon default, the Credit Union may apply\nall that is secured to pay any amounts due under this\nAgreement, without further notice to you.\n\n5. MINIMUM MONTHLY PAYMENT. You agree that\nyou will pay each month not less than the minimum\nmonthly payment on or before the scheduled monthly\ndue date. The minimum monthly payment will be\n2.0% of your outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d)\nor $25.00, whichever is greater. If your outstanding\nbalance is $25.00 or less, you agree to pay the balance\nin full. You may pay in full for all your purchases and\ncash advances each month, or you may repay in\nmonthly installments. We can accept late payments\nor partial payments, or checks, drafts, or money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice\nto our rights under this Agreement, which are hereby\nexplicitly reserved. A credit posting from a merchant\nor reversal of fees do not constitute a minimum\npayment. The minimum payment may be allocated\nat the Credit Union\xe2\x80\x99s discretion to pay off lower rate\nbalances, such as promotional offers, before higher\nrate balances, such as cash advances or purchases.\nPayments in excess of the minimum payment will be\nallocated first to higher rate balances, as applicable.\nFrom time to time, we may allow you to skip your\nminimum monthly payment due. If you choose to\nskip that payment, Interest Charges will continue to\naccrue in accordance with this Agreement. Payments\nreceived at: 2355 W. Pinnacle Peak Rd., Phoenix, AZ\n85027 at or before 5:00 PM Mountain Standard Time\non any business day will be credited to your Account\nas of that date; payments received by mail at that\naddress after 5:00 PM Mountain Standard Time,\non a weekend or federal holiday will be posted to\nyour Account as of the next business day. Payment\ncrediting to your Account may be delayed up to\nfive days if your payment is received by mail at any\nother address or not accompanied by the remittance\nportion of your Account statement.\n\n7. MONTHLY STATEMENTS. Each month we will\nsend you a statement showing purchases, cash\nadvances, payments, and credits made to your\nAccount during the billing cycle, as well as your \xe2\x80\x9cNew\nBalance,\xe2\x80\x9d any Interest Charge and any late charge or\nother charges.Your statement also will identify the\nMinimum Monthly Payment you must make for that\nbilling period and the date it is due. You agree to\nretain for statement verification copies of transaction\nslips resulting from each purchase, each advance, and\nother transaction on your Account. Unless you notify\nus of a billing error as described below, you accept\nyour monthly statement as an accurate statement of\nyour Account with us.\n\n6. SECURITY INTEREST. You grant the Credit Union a\nsecurity interest under the Arizona Uniform\nCommercial Code in any goods purchased through\n\n8. CIRCUMSTANCES UNDER WHICH AN INTEREST\nCHARGE WILL BE IMPOSED. The total outstanding\nbalance of purchases and cash advances in the\nAccount on the closing date of a billing cycle,\nincluding any Interest Charge will be shown on the\nPeriodic Statement for that billing cycle as the \xe2\x80\x9cNew\nBalance.\xe2\x80\x9d\na. Cash Advances (Interest Charge). An Interest\nCharge will be imposed on cash advances and\nbalance transfers from the date each advance is\nmade to the date paid. The Credit Union charges\na cash advance fee (Interest Charge) of 3% of the\ncash advance transaction (minimum $10.00) from\nthe date of the transaction until the amount is paid.\nThere is no grace period to avoid a cash advance|\nfee (Interest Charge). There is no cash advance\nfee on balance transfer advances or convenience\nchecks. There is a minimum Finance Charge of\n$1.00 on unpaid balances.\nb. Purchases. An Interest Charge will be imposed on\nthe portion of purchases included in the new\nbalance that remains unpaid 25 days after the\nclosing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to\navoid an Interest Charge on purchases for a billing\ncycle. However, to the extent you do not pay your\n\npurchase transactions within the grace period, your\nInterest Charge will accrue from the date purchases\nare posted to your account. There is a minimum\nFinance Charge of $1.00 on unpaid balances.\n9. METHOD USED TO DETERMINE THE BALANCE\nON WHICH THE INTEREST CHARGE MAY BE\nCOMPUTED AND AMOUNT OF INTEREST CHARGE.\nThe Credit Union figures the Periodic Interest Charge\non your Account by applying the Periodic Rate to the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of new and previous unpaid\ntransactions for your Account. To get the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d we take the beginning purchase and\ncash advance balances of your Account each day, add\nany new purchases, cash advances, balance transfer\namounts or debit adjustments or charges and subtract\nany payments or credits, unpaid Interest Charges and\nunpaid late charges. This gives us the daily balance.\nThen we add up all the daily balances for the billing\ncycle and divide by the number of days in the billing\ncycle. This gives us the Average Daily Balance for\npurchases, cash advances and balance transfers.\n10. PERIODIC RATE AND CORRESPONDING\nANNUAL PERCENTAGE RATE.\na. Variable Rate. During an introductory period, we\noffer a fixed Annual Percentage Rate for purchases,\ncash advances and balance transfers. The\nintroductory period is six months for purchases and\ncash advances and nine months for balance\ntransfers. After the introductory period, your\nAnnual Percentage Rate will be variable based on\nthe following terms. The Interest Charge imposed\nduring the billing cycle will be determined by\nmultiplying the Average Daily Balance by the Daily\nPeriodic Rate times the number of days in the\nbilling cycle. The Periodic Rate and Annual\nPercentage Rate are variable based on a margin\nand an index, which is the highest Prime\nRate published in the Western Edition of the Money\nRates Section of the Wall Street Journal. We add a\nmargin to the index to obtain the Annual\nPercentage Rate. The margin we add may range\nfrom 7.74% to 14.75% based upon your credit\nqualifications. The index is determined the\n1st day of the billing cycle immediately following\nthe expiration of the Introductory Rate period\nand subsequently, on the 15th day of the month\nimmediately proceeding the 1st day of each billing\ncycle, rounded to the nearest .25 percentage\npoint. The index plus/minus margin equals the\nAnnual Percentage Rate. The Annual Percentage\nRate is divided by 365 to determine the Daily\n\nPeriodic Rate. Changes in the Annual Percentage\nRate may affect the amount of the payment and\nthe number of payments you will make. The Annual\nPercentage Rate will never exceed 18.00%. The\nAnnual Percentage Rate and Periodic Rate\napplicable to your account will be based upon\nyour credit qualification and margin assigned to\nyou and will be disclosed on a separate disclosure\naccompanying your Card or this Agreement and\nshown on each monthly statement. The \xe2\x80\x9cTotal\nInterest Charge\xe2\x80\x9d shown on your monthly statement\nconsists of the periodic Interest Charge on\npurchases, the periodic Interest Charge on cash\nadvances and Cash Advance (Interest Charge) fees.\nb. Default Rate. The Daily Periodic Rate and Annual\nPercentage Rate may increase if your minimum\npayment has not been received within 60 days after\nthe due date for such payment, in which case the\nAnnual Percentage Rate for your entire balance\nwill immediately increase to 18.00%. Following the\ndefault rate increase, if you make your payments\non time for six (6) consecutive months, the Annual\nPercentage Rate based on a default will terminate\nand the prevailing variable Annual Percentage\nRate will apply.\n11. CONDITIONS UNDER WHICH OTHER CHARGES\nMAY BE IMPOSED. You agree to pay the following\nfees and charges on your Account:\na. Late Fee. If we do not receive your minimum\npayment by the payment due date shown on your\nstatement, you agree to pay a Late Fee of $25.00.\nb. Returned Item Charge. If any check or draft we\nreceive from you as payment for any amount you\nowe to us is returned to us unpaid, you agree to\npay a returned item fee of $25.00 or the amount of\nthe returned item, whichever is less.\nc. ATM Fees. If you use an ATM to obtain a cash\nadvance and the ATM is not operated by us,\nyou may be charged an ATM surcharge by the\nATM operator or an ATM network utilized for such\na transaction. The ATM surcharge may be charged\nto your account if you complete the transaction.\nd. Attorney\xe2\x80\x99s Fees and Costs. If you default on\nany part of this Agreement, you agree to pay us\nall costs to collect your Account, including court\ncosts and reasonable attorney fees and collection\nagency costs whether or not there is a lawsuit,\nand fees on any appeal and fees for bankruptcy\nproceedings, appeals, and any post judgment\ncollection services, if applicable.\n12. CONDITIONS OF CARD USE. The use of your\n\n\x0c'


b'Credit Card Pricing Agreement\nFEATURING Visa\xc2\xae Choice Reward\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n3.90% introductory APR for 6 months.\nAfter that, your APR will be 10.99% - 18.00%, based on your creditworthiness\nand will vary with the market based on the Prime Rate.\n\n3.90% introductory APR for 9 months.\nAfter that, your APR will be 10.99% - 18.00%, based on your creditworthiness\nBalance Transfer APR:\nAPR for Cash Advances &\nBalance Transfers\n\nand will vary with the market based on the Prime Rate.\n\n3.90% introductory APR for 6 months.\nAfter that, your APR will be 10.99% - 18.00%, based on your creditworthiness\nCash Advance APR:\n\nand will vary with the market based on the Prime Rate.\n\n18.00% - This APR may be applied to your account if:\nPenalty APR and When It\nApplies\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nYour minimum monthly payment is more than 60 days late\nYou are in default of any other terms of the Agreement\n\nHow long will the penalty APR apply?\nIf your APR is increased for any of these reasons, the penalty APR will apply until you\nmake six consecutive minimum payments when due.\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nHow to Avoid Paying Interest\nany interest on the portion of the purchases balance that you pay by the due date each\non Purchases\nmonth.\nMinimum Finance Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Federal Reserve Board\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advance\nForeign Transaction\n\n3% of the cash advance transaction (minimum $10.00)\nUp to 1% of the US dollar amount of the foreign transaction\n\nPenalty Fees\nLate Payment Fee\nReturned Item Charge\n\n$25.00\n$25.00 or the amount of the returned item, whichever is less\n\nOther Fees\nPay by Phone\n\nUp to $10.00\n\nTHINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d (including new\npurchases). W e reserve the right to amend the Visa\xc2\xae Credit Card Agreement as permitted by law. The\nabove rates and fees are current as of 11/09/2015.\nREV. 5/16 pg. 1\n\n\x0cLoss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make\na payment more than 60 days late.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\nThese Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card\nAgreement and Disclosure with OneAZ Credit Union.\nHow are Reward Points Calculated?\nPoints are calculated on each individual purchase transaction and rounded [up or down] to the nearest\nwhole dollar. The individual results are then added together and we subtract any returns, credits or\nadjustments to determine the net points earned. Points are calculated and credited daily.\nHow Do I Redeem My Rewards?\nThere are five ways you can redeem your points:\n1) Travel Redemption\n2) Merchandise Redemption\n3) Merchant Gift Card Redemption\n4) Cash Redemption\n5) Donation Redemption\nThere is no fee to participate in the ONEAZ rewards program and you are automatically enrolled when opening an\nOneAZ Choice Rewards Credit Card.\nAll point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice\nRewards Credit Card Terms and Conditions disclosure.\nDisputes:\n1) All point disputes must be made in writing and sent\nto: OneAZ Credit Union\nAttn: Card ervices\n2355 W. Pinnacle Peak Road\nPhoenix, AZ 85027\n2) You must contact us within 60 days after the error appeared on your statement. You must notify us in writing.\n3) All decisions by OneAZregarding point disputes are final.\nWhen we receive your letter we must do two things:\n1) Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we\nhave already corrected the error.\n2) Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement\nis correct.\n\nREV. 5/16 pg. 2\n\n\x0c'