b'Terms and Conditions\nFederal Truth in Lending Disclosure and Customer Agreement\nIn this Agreement, the words "you" and "your" refer to the person(s) who are contractually liable for any debt owed under the Account. If there are two or more such persons,\neach of them agree to be fully liable for any debt owed under the Account individually (severally) and together (jointly).\n1.\n\nYou agree with Bank as follows:\nDefinitions. In relation to your Account and this Agreement, the following words shall have the meaning indicated:\n\n"Account" means the Visa Credit Card open end line of credit account approved by Credit Union for your use.\n"Agreement" means this Visa Borrower Agreement.\n"Annual Percentage Rate" means the cost of your credit expressed as a yearly rate as set forth in the Schedule of Fees and Charges.\n"Application" means your request to the Bank for the establishment of an Account in a manner approved by the Bank.\n"Authorized User" means any person(s) permitted by you to obtain credit under your Account, whether or not named in your Application, or any person(s) to whom you lend your Card.\n"Billing Cycle" means the time period that expires between regular Monthly Billing Statements.\n"Card" means any Visa Credit Card credit card issued to you by the Bank pursuant to this Agreement which bears the service marks owned and licensed by Visa USA.\n"Cash Advance" means cash credit extended by the Bank to you in the form of a loan of money made when you present the Card to the Bank or to another participating financial\ninstitution, including cash credit extended to you via an automated teller machine.\n"Closing Date" means the date of the last day of a Billing Cycle.\n"Credit Limit" means the maximum amount of credit available to you on your Account as set by the Bank from time to time.\n"Credit Purchases" means extensions of credit from the Bank to you (other than Cash Advances) for Credit Purchases of merchandise or services through participating merchants,\nincluding mail or phone purchase orders of merchandise effectuated by using the account number on a Card.\n"Bank" means Bank of Commerce or any other person or entity to which the Bank assigns this Agreement or any of its rights under this Agreement.\n"Finance Charge" means the cost of credit extended to you on your Account as determined by the Bank expressed as a dollar amount.\n"Grace Period" means the time period in which the New Balance on a Monthly Billing Statement must be paid in full to avoid the further assessment of a Finance Charge. The Grace\nPeriod begins on the day following the Closing Date of a Billing Cycle and extends until the Payment Due Date.\n"Daily Periodic Rate" means 1/365th of the Annual Percentage Rate as set forth in the Schedule of Fees and Charges.\n"Monthly Billing Statement" means the statement sent to you on a monthly basis reflecting all charges and credits to your Account for each Billing Cycle.\n"New Balance" means the total of the Previous Balance together with New Credit Purchases, Cash Advances, accrued Finance Charge and other fees and charges, less payments and\ncredits, posted to your Account during a Billing Cycle.\n"New Credit Purchase(s)" means the Credit Purchase(s) posted to your Account during the Billing Cycle reflected on your most recent Monthly Billing Statement.\n"Payment Due Date" means the date specified on your Monthly Billing Statement as the Payment Due Date for payment to the Bank on your Account.\n"Preauthorized Charges" means Credit Purchases for which you have given your preauthorization for a merchant or other person to debit your Account at specified times.\n"Previous Balance" means the balance of your Account at the beginning of a Billing Cycle, which is the same amount as that shown on the "New Balance" on your Monthly Billing\nStatement for the immediately preceding Billing Cycle.\n"Schedule of Fees and Charges" means the schedule shown at the end of this Agreement, including all amendments to that schedule, which lists the costs associated with your\nAccount.\n"Unauthorized Use" means the use of your Card by a person who does not have actual, implied or apparent authority to use that Card. If you receive a benefit from the use of a Card\nby another or if a Card is used by an Authorized User, such use will not be regarded as Unauthorized Use.\n2. Account Access. You may access your Account by using your Card or account number to make Credit Purchases and to obtain Cash Advances up to your Credit Limit, unless\nyour Account is in default or has been terminated. If the Bank issues you a Personal Identification Number, you may also use your Card to obtain Cash Advances via automated teller\nmachines which accepts your Card for that purpose.\n3.\nPromise to Pay. You promise to pay to Bank all amounts charged to your Account by you or by any Authorized User who has access to your Account, with actual, apparent or\nimplied authority for use of your Account, including Finance Charges and other fees according to the required minimum monthly payment schedule. Your liability will extend throughout the\nterm of this Agreement and until all issued and outstanding Cards are returned to the Bank and all Preauthorized Charges are canceled by you. If you lend your Card to another person, you\nwill have given that person actual, implied or apparent authority to use your Card and you will be liable for all Credit Purchases and Cash Advances made by that person on your Account\nuntil the Card is returned to you or the Bank. If more than one person is obligated under this Agreement, the Bank may accept directions and written notices from any one of those persons\nwithout requiring the consent of any other persons.\n1. Liability for Unauthorized Use - Loss/Stolen Card Identification. You may be liable for the unauthorized use of your card if you do not notify us. You will not be\nliable for the unauthorized use that occurs after you notify the Bank, orally or in writing, of the loss, theft or possible unauthorized use. If you notify us, you will have no liability for\nunauthorized transactions You can notify the Bank by calling (918) 696-7745 during normal business hours, or writing to Bank of Commerce, P.O. Box 512, Stilwell, Oklahoma 74960.\n2. Finance Charge. The Finance Charges shown on your Monthly Billing Statement are figured by multiplying a Daily Periodic Rate (see Schedule of Fees and Charges for this rate\nand its corresponding Annual Percentage Rate) times the Daily Principal Balance of both Credit Purchases and Cash Advances as follows:\na. Cash Advances. A Finance Charge will be imposed on Cash Advances from the date charged to your account. Finance Charges will continue to accrue until the Closing\nDate of the Billing Cycle preceding the date on which the entire New Balance is paid in full by the Payment Due Date or until the date of payment if after the Payment Due Date. The Finance\nCharge for a Billing Cycle is computed by applying the Daily Periodic Rate to the Daily Principal Balance of Cash Advances. Each daily principal balance of Cash Advances is determined by\nadding to the outstanding unpaid balance of Cash Advances at the beginning of each day of the Billing Cycle any new Cash Advances posted to your Account and subtracting any payments\nas received or credits as posted to your Account, but excluding any unpaid Finance Charges and other fees.\nb. Credit Purchases. A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your Monthly Billing Statement\nfor the previous Billing Cycle by the Payment Due Date (the time between the issuance of your Monthly Billing Statement and the corresponding Payment Due Date is the "Grace Period"). If\nyou elect not to pay the entire New Balance shown on your previous monthly statement during the Grace Period, a Finance Charge will be imposed on the unpaid Daily Principal Balance of\nsuch Credit Purchases from the previous statement Closing Date and on New Credit Purchases from the date of posting to your Account during the current Billing Cycle. Finance\nCharges will then continue to accrue until the Closing Date of the Billing Cycle preceding the date on which the entire New Balance is paid in full by the Payment Due Date or until the date of\npayment if after the Payment Due Date. The Finance Charge for a Billing Cycle is computed by applying the daily Periodic Rate to the Daily Principal Balance of Credit Purchases. Each daily\nprincipal balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of each day of the Billing Cycle any New Credit\nPurchases posted to your Account, and subtracting any payments as received and credits as posted to your Account, but excluding any unpaid Finance Charges and other fees.\n3. Late Charge. If you do not pay at least your minimum monthly payment by the Payment Due Date shown on your Monthly Billing Statement, the Bank may assess your Account a\nLate Charge in an amount as set forth in the Schedule of Fees and Charges.\n4. Over limit Fee. If your unpaid balance exceeds your Credit Limit, the Bank may assess your Account an Over limit Fee in an amount as set forth in the Schedule of Fees and\nCharges. This over limit Fee is assessable for each Billing Cycle that your Account balance exceeds your Credit Limit.\n5. Returned Payment Charge. You will be charged a Returned Payment Charge for each check, draft or order which you submit to Bank as a payment on your Account which is\nreturned to Bank unpaid in an amount as set forth in the Schedule of Fees and Charges.\n6. Fees and Charges. In addition to the Finance Charge, Late Charge, Over limit Fee, and Returned Payment Charge, you agree to pay to the Bank the additional fees and charges\nas described and set forth in the Schedule of Fees and Charges. All fees and charges will be automatically posted to your Account and will be included in the amount shown for Credit\nPurchases on your Monthly Billing Statement.\n7.\n\nInformation Updates. You will provide facts to update information contained in your original Application or other financial information related to you at Bank\'s request.\n\nCredit Limit. You will be notified of your Account\'s Credit Limit which will be applicable to all amounts you owe on your Account at any time. Bank reserves the right to increase or\ndecrease your Credit Limit without notice to you at any time in its sole discretion. You will keep your unpaid balance within the Credit Limit as set by Bank and you will pay any amount over\nyour Credit Limit immediately to the Bank without demand, whether or not Bank authorized the Credit Purchase or Cash Advance which caused you to exceed your Credit Limit. Even if your\nunpaid balance is less than your Credit Limit, you will have no credit available during any time your Account is in default.\n4.\n\nMinimum Monthly Payment. You will pay a minimum monthly payment equal to the greater of 4% rounded up to the next whole dollar of your Account\'s New Balance or\n5.\n$40.00, unless your New Balance is less than $25.00, in which case your payment will be that balance. You may pay any amount over your minimum monthly payment at any time without\npenalty. In addition to your minimum monthly payment, you agree to immediately pay to the Bank any amount past due or in excess of your Credit Limit. Payments must be received by the\nBank in the manner set forth on your most current Monthly Billing Statement on or before the Payment Due Date. All payments must be made in lawful money of the United States. You will\nhave a payment due every month on the specified Payment Due Date even if than a regularly scheduled minimum monthly payment at any previous time.\n\n\x0c6.\nMonthly Billing Statements. Bank will mail you a Monthly Billing Statement each month in which there is a debit or credit balance over $1.00, or when a Finance Charge is\nimposed. Bank need not send you a monthly statement if Bank feels your Account is uncollectible or has started collection proceedings against you because you defaulted. Except where\nfederal law requires otherwise, the Monthly Billing Statement will be final as to the amount owed unless you object in writing within 60 days after the Bank has mailed the Monthly Billing\nStatement to you. Your right under federal law to the correction of billing errors is explained in the notice of Your Billing Rights which appears at the end of this\nAgreement.\n\nSet Off and Lien Impressment. Unless prohibited by law, the Bank shall have the right to set off the amount of any funds you have in your Accounts with the Bank or any\n7.\nother amounts owed to you by the Bank against any amounts charged to your Account after your Account has been canceled or terminated. This right of setoff will not extend to any deposits\nestablished under a governmental approved tax deferral deposit plan such as an I.R.A. or KEOGH account. Bank also impresses a lien upon your shares and dividends and has the right to\nenforce that lien in a manner similar to enforcing its right of setoff.\n8.\nSecurity. If you have given the Bank a security interest in any property (other than your principal dwelling or "household goods" as defined in the Federal Trade Commission\'s Credit\nPractices Rule) as part of any other agreement with the Bank, that property is also pledged by you as security for the credit extended under this Agreement, unless prohibited by law. This\nprovision is the Security section under the Truth in Lending disclosure of this Agreement as well as a statement of contract which results in collateral securing other loans with Bank also\nsecuring this Agreement.\n\nTo the extent permitted by law, you grant Bank a purchase money security interest in all goods you purchase under your Account to the extent you continue to owe Bank for the purchase of\nsuch goods under your Account if such goods are "household goods", and to the extent you continue to owe Bank any money under your Account if such goods are not "household goods".\nFurther, if you give Bank a specific pledge of other collateral to secure the repayment of your Account, such as a pledge of your shares or deposits, then such other collateral will also secure\nthe repayment of your Account.\n9.\nApplication of Payments. The Bank reserves the right to apply the payments to your Account in any manner it may choose in its sole discretion. Generally, the Bank will elect to\napply each payment in the following order: (1) Late fees; (2) other unpaid fees and charges; (3) unpaid Finance Charges; (4) Credit Purchases from previous Billing Cycles; (5) Cash\nAdvances as of the closing date of the last statement; and (6) Cash Advances this Billing Cycle and (7) Credit Purchases from this Billing Cycle.\n10.\nDefault and Remedy. You will be in default and the Bank may, to the extent permitted by law, terminate your Account and declare the entire unpaid balance of your Account\nimmediately due and payable if:\na.\n\nYou do not make any payment or perform any obligation under this Agreement or any other agreement that you have with Bank; or\n\nb.\n\nYou have made a false or misleading statement on your Application and/or in your representations to Bank while you owe money on your Account; or\n\nc. You should die, or be involved in any bankruptcy, insolvency, receivership or custodial proceedings brought by or against you; or A judgment or tax lien should be filed\nagainst you or any attachment or garnishment should be issued against any of your property or rights, specifically including anyone starting an action or proceeding to seize any\nof your funds on deposit with Bank; and/or\nd.\n\nBank should, in good faith, believe your ability to repay any indebtedness due under your Account is or soon will be impaired, time being of the very essence.\n\nIf more than one person is obligated under this Agreement, the Bank may proceed with collection action against any one of the persons obligated under this Agreement without first\nproceeding against or collecting from any other person. To the extent permitted by law, the Bank shall be reimbursed by you for all of its costs and expenses, including actual attorneys\' fees,\nincurred in the course of collecting any amounts owed on your Account.\n11.\n\nChange of Address. You will notify Bank promptly if you move or otherwise have a change of address.\n\nForeign Transactions. Transactions occurring outside of the United States under foreign currency rates will be posted to your Account in U.S. Dollars and may be more or less\nthan the U.S. Dollar amount when you made the Credit Purchase or obtained the Cash Advance, due to changes in the foreign exchange rate. The conversion rate to U.S. Dollars will be at\nthe (i) wholesale market rate, or (ii) the government mandated rate, whichever is applicable, in effect one day prior to the processing date. In addition the Bank will pass on to you an\nInternational Service Assessment fee which will not exceed 1.00% of the amount of the foreign transaction.\n12.\n\n13. Refunds and Returns. If a merchant or other person honoring your Card agrees to give you a refund or adjustment on a Credit Purchase, you agree to accept a credit to your\nAccount in lieu of a cash refund or cash adjustment.\n14. Disputes. You agree to make a good faith effort to settle all disputes concerning Credit Purchases made through the use of your Card with the merchant or other person honoring\nthe Card. Except as provided in the notice of Your Billing Rights, you agree to pay the Bank all amounts charged to your Account despite any such dispute.\n\nWaiver of Claims. You waive and release Bank from all defenses, rights and claims you may have against any person or company honoring a Card or other access device or not\n15.\npermitting a Credit Purchase or Cash Advance, except where such rights cannot be waived under the Fair Credit Billing Act (see Your Billing Rights). If your Account is available to provide\noverdraft protection to a deposit account under a separate Overdraft Protection Request/Agreement, you hold Bank harmless from any and all claims which might otherwise arise if an\nadvance is not processed to cover an overdraft regardless of whether or not credit was available under your Account.\n16.\nCancellation. You may cancel this Agreement with Bank or revoke any Authorized User\'s status at any time by notifying Bank in writing and returning any affected Card. You\nunderstand and agree that Bank has up to ten (10) days after such notice to effectuate your cancellation or revocation of Authorized User\'s status. You remain obligated to Bank for all Credit\nPurchases or Cash Advances made prior to or up to thirty (30) days after such cancellation or revocation, and Bank may declare your balance due and payable together with all applicable\nFinance Charges and other fees and charges; otherwise you remain obligated to repay any unpaid balance according to this Agreement.\n\nVisa Classic or Platinum\nInterest Rates and Interest Charges\n\nAnnual percentage Rate (APR)\nfor Purchases\n\n11.49% - 22.49% based on your creditworthiness\n\nAPR for Cash Advances\n\n11.49% - 22.49% based on your creditworthiness\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate\n\nHow to Avoid Paying Interest\non Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nFederal Reserve Board\nFees\nAnnual Fee\n\nYour due date is 26 days after the close of the billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month\nNone\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2 Foreign Transaction Fee\n\n$25.00\nUp to 1% of the transaction amount\n\nPenalty Fees\n\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over the Limit Fee\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Insufficient Funds\n\nUp to $25.00\n$15.00\n\nUp to $25.00\n$20.00\n\nHow We Will Calculate Your Balance: The Finance Charges shown on your Monthly Billing Statement are figured by multiplying a\nDaily Periodic Rate times the Daily Principal Balance of both Credit Purchases and Cash Advances. An explanation of this\nmethod is described in our Visa Credit Card Terms and Conditions - Section 5.\n\n\x0c'


b'1941 Abbott Road\nAnchorage, AK 99507\nPhone: (907) 339----9485\nToll Free: (800) 478----2222\nwww.cu1.org\n\nCredit Cardholder Agreement\nand Truth in Lending Disclosure\nInterest Rates and Interest Charges\nProgram\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nClassic\n\nSecured\n\n11.95%\n\n13.90%\n\n11.95%\n\n13.90%\n\n11.95%\n\n13.90%\n\nGold\n\n7.00%\nThis APR will vary with the market\nbased on the Prime Rate\n\n7.00%\nThis APR will vary with the market\nbased on the Prime Rate\n\n7.00%\nThis APR will vary with the market\nbased on the Prime Rate\n\nPlatinum\n\nNextGen\n\n8.95%\n\n16.50%\n\n8.95%\n\n16.50%\n\n8.95%\n\n16.50%\n\nPenalty APR and When It\nApplies\n\nNone\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if\nyou pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nProgram\n\nClassic\n\nAnnual Fee\n\nNone\n\nSecured\n\nGold\n\nPlatinum\n\nNextGen\n\n$15.00\n\nNone\n\nNone\n\nNone\n\nThis fee will be assessed each\nyear on February 18\n\nTransaction Fees\n\xe2\x80\xa2\n\nForeign Transaction\n\nPenalty Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment\nReturned Payment\n\nUp to 2% of the transaction amount for any card transaction made in a foreign country or currency.\n$30.00\n$20.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x98\xe2\x80\x98average daily balance\xe2\x80\x99\xe2\x80\x99 (including new purchases). See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nInformation is subject to change. For more information. Visit cu1.org, e-mail service@cu1.org, or call (907) 339-9485 or (800) 478-2222\nor write Credit Union 1, 1941 Abbott Road, Anchorage, AK 99507.\nParts in boldface meet Truth in Lending Requirements.\nPlease read the whole Agreement.\nTo simplify this agreement and disclosure statement for you, the following\ndefinitions will apply throughout. The words you, your, and yours mean the\napplicant who applied for a Credit Union 1 credit card loan account and any\ncosigner responsible for any amounts borrowed under the loan account. The\nwords credit card means one or more credit cards which we have issued with\nFEDERALLY INSURED BY NCUA\nBIN # 523788, 525722, 524932\nCC100 Rev 03/16\n\nyour credit card account number. The word we, us, our and credit union mean\nCredit Union 1. The words convenience checks mean one or more checks\nthat we may provide to access your Credit Union 1 credit card account.\nYou have applied for a credit card with the credit union. This agreement\ncovers our Classic, Share Secured, NextGen, Platinum and Gold card\nprograms. This agreement explains when a term applies only to one program\nor the other. The use of any convenience checks will be subject to the terms of\n\n1\n\n\x0cCredit Union 1 \xef\x82\x9f Cardholder Agreement and Truth in Lending Disclosure\nthis agreement as well. If issued, the extension of a credit card to you under\nthis agreement will be subject to the following terms.\nA. USING YOUR CREDIT CARD ACCOUNT\n1. You consent to the terms of this agreement by using your card or\nconvenience checks. You continue to be bound for all transactions\nresulting from the use of the account, credit card or convenience checks\nuntil you give us written notice of termination for the account and return\nthe credit card and convenience checks to us.\n1.1. If the credit union approves your application, each applicant will be\nissued a credit card and will be able to use the account. You agree\nto sign the credit card promptly upon receipt. Each applicant will\nalso be liable to repay the account under the terms of this\nagreement. Cosigners, who do not have access to the account but\nare still liable for the loan, acknowledge receipt of a copy of this\nagreement and disclosure statement as well as the separate\n\xe2\x80\x98\xe2\x80\x98Notice to Cosigner\xe2\x80\x99\xe2\x80\x99 form.\n1.2. You are also obligated to repay any charges resulting from the use of the\ncredit card or convenience checks by another person with your\npermission whether or not the person stays within the limits of use set by\nyou.\n1.3. Any persons who use the credit card or convenience checks are\nalso obligated to repay the credit union for all charges incurred\nbecause of their use of the card.\n1.4. You remain bound to pay for charges under this agreement even\nthough another person has been directed to pay the debt by\nagreement or court order such as a divorce decree.\n2. To make a purchase or get a cash advance, present the credit card or a\nconvenience check to a participating credit card merchant, to us, or to\nanother financial institution, and sign the sales or cash advance draft\nimprinted with your credit card number. Keep a copy of the draft to verify\nyour monthly statement. The credit union is not liable for the refusal of\nany merchant to accept the credit card or convenience checks.\n3. Your credit card may also access designated Automated Teller Machines\n(ATMs). The use of your credit card for ATM access is subject to the\nadditional ATM disclosure terms.\n4. Purchases and cash advances (transactions) made in foreign countries\nand foreign currencies will be billed to you in U.S. dollars. If you conduct\na transaction with your credit card in a currency other than US Dollars,\nincluding those initiated online, MasterCard\xc2\xae Worldwide will convert the\ntransaction amount into US Dollars, using either a government-mandated\nexchange rate, or a wholesale exchange rate selected by MasterCard.\nThe exchange rate MasterCard uses will be a rate in effect on the day the\ntransaction is settled or processed, which may differ from the rate in\neffect on the date of purchase or the date the transaction was posted to\nyour account. If you later receive a refund for a transaction, the amount\nof the refund will be converted at the exchange rate in effect when the\nrefund is processed, which may be different from the exchange rate for\nthe original transaction. In addition, you will be charged an International\nTransaction Fee of up to2% of the transaction amount (the amount the\nATM network or MasterCard charges us) for any card transaction made in\na foreign country or currency. In addition, a 2% International Service\nAssessment is added to all transactions made in foreign countries\nor currencies and for international single currency transactions\nprocessed in U.S. dollars.\n5. Only you can write convenience checks. You may not write convenience\nchecks to pay any amount you owe to Credit Union 1. We need not pay a\nconvenience check if: (a) paying the check would cause your balance to\nexceed your credit limit; (b) you are in default or your right to use your\naccount is canceled or suspended; or (c) the convenience check is signed\nby anyone other than you. If we pay a post-dated convenience check\nwritten by you before the date on the check, we will not be liable for the\nconsequences of such early payment. We operate in an automated\nprocessing environment and cannot physically examine every check we\npay. You must notify us of any unauthorized convenience check that\n\nFederally Insured by NCUA\nBIN # 523788, 525722, 524932\nCC100 Rev 03/16\n\n6.\n\n7.\n8.\n\n9.\n\nB.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\nC.\n1.\n\nappears on your account statement within 60 days after we sent you the\nstatement on which it first appears or we will not be responsible for it.\nIf you give your credit card number to make a purchase or obtain a cash\nadvance without presenting the credit card (such as for a mail order,\nInternet or telephone purchase), the legal effect will be the same as if the\ncredit card itself was used by you.\nThe credit cards and convenience checks we give you remain our\nproperty. You agree to surrender them at our request.\nYou cannot use your credit card for transactions at Internet gambling web\nsites. You agree not to use your credit card for any illegal transaction,\nsuch as illegal gambling. If you use your card for any purpose prohibited\nby or inconsistent with this Agreement (a) you cannot claim the improper\npurpose as a defense to your obligation to pay the transaction and (b) we\ncan close your account for breach of this Agreement.\nOverdraft Protection Advances. If you designate your credit card account\nas an overdraft protection source in writing, the following applies: You\nmay request a loan advance on your credit card account by writing a\ncheck/share draft any time there are not sufficient funds in your\ncheck/share draft account. If you request a debit card or OnLine Access\nor Bill Payment transaction, you can also request a loan advance by using\nthose services to make payments out of your credit union checking/share\ndraft account when there are insufficient funds in that account. Any\noverdraft of your checking/share draft account, up to your unused credit\nlimit on your credit card account, will be added to your loan balance under\nthis Agreement if and when we pay the check/share draft or other\ntransaction. We have the right to refuse overdraft loan advances but will\npromptly notify you in writing of the reasons for refusal. Overdraft\nprotection advances will not be made if your credit union membership is\nnot in good standing or if you do not have available credit. All overdraft\nloan advances will be in amounts sufficient to cover the overdrafts and\nany applicable fees assessed against your share or checking/share draft\naccounts. They will be subject to cash advance fees and overdraft\nprotection advance fees (if any) and will begin to accrue interest\ncharges as soon as they post.\nCREDIT LIMIT\nIf your application is accepted, the credit union will establish a credit limit\nfor you. The amount will be based upon many factors, including your\nability to pay and your credit history.\nYour account will be an open end or revolving credit account. This means\nthat you can borrow the full amount of the credit limit, repay the principal\nin full or in part and borrow again up to your maximum, as long as you\ncontinue to be creditworthy.\nThe credit union has the right to terminate the account without advance\nnotice to the extent permitted by law. We will notify you in writing of the\nreason for any such denial of credit. Among the reasons for refusing to\nadvance you credit are an adverse change in your credit standing such as\nnot making current loan payments, a change in your employment status,\nyour insolvency, your bankruptcy, or your death.\nYour credit limit will be reviewed periodically and you may be requested to\nprovide current information. Your credit limit may be increased or\ndecreased at that time. You can apply for an increase in your credit limit\nat any time. The Credit Union will apply our loan policies and underwriting\nstandards and consider your credit history and ability to pay in\ndetermining whether to adjust your credit limit.\nIf you cease to be a member of Credit Union 1 in good standing (including\nmaintaining $5.00 in you share account) we may suspend your credit card\naccount.\nREPAYMENT TERMS AND FINANCE CHARGE INFORMATION\nYou promise to pay the Credit Union at the address designated on your\nstatement in U.S. dollars using payment instruments drawn on U.S.\nfinancial institutions all sums advanced to you under this Agreement plus\nFinance Charges and other fees. Finance Charges are money you pay\nfor money that you borrow. Components of the Finance Charge\ninclude interest calculated by application of a periodic interest\n\n2\n\n\x0cCredit Union 1 \xef\x82\x9f Cardholder Agreement and Truth in Lending Disclosure\nrate to the principal amount you have borrowed plus certain fees\nassessed on your account.\n1.1. Classic: The fixed ANNUAL PERCENTAGE RATE is 11.95%\nand the monthly periodic rate is .996%.\n1.2. Share Secured: The fixed ANNUAL PERCENTAGE RATE is\n13.90% and the monthly periodic rate is 1.158%.\n1.3. Gold: The variable annual percentage rate is determined by\nadding a margin of 3.50% to the highest commercial prime\nrate correctly published in the Wall Street Journal, Western\nEdition, on the last Friday of each month. If, due to a\nholiday, the Wall Street Journal is not published on the last\nFriday of the month, we will use the prime rate published on\nthe preceding day. The rate will adjust on the 19th day of\nthe following month. For example, the rate published on the\nlast Friday in January will be used to determine the rate that\nwill apply to your account starting on February 19. The\nvariable ANNUAL PERCENTAGE RATE in effect within 30\ndays of our providing this disclosure to you is shown in the\ntable at the top of this Agreement.\n1.4. Platinum: The fixed ANNUAL PERCENTAGE RATE is 8.95%\nand the monthly periodic rate is .745%.\n1.5. NextGen: The fixed ANNUAL PERCENTAGE RATE is 16.50%\nand the monthly periodic rate is 1.375%.\nFixed rate accounts will not be subject to rate changes during\nthe first year the account is open.\n2. Finance Charge Calculation Method: Average Daily Balance\n(Including Current Transactions): We figure the interest charge on\nyour account by applying the monthly periodic rate to the\n\xe2\x80\x98\xe2\x80\x98average daily balance\xe2\x80\x99\xe2\x80\x99 of your account. To get the \xe2\x80\x98\xe2\x80\x98average daily\nbalance,\xe2\x80\x99\xe2\x80\x99 we take the beginning balance of your account each\nday, add any new purchases/cash advances and fees, and\nsubtract any payments, credits, and unpaid interest and finance\ncharges. This gives us the daily balance. Then we add up all the\ndaily balances for the billing cycle and divide by the total number\nof days in the billing cycle. This gives us the \xe2\x80\x98\xe2\x80\x98average daily\nbalance.\n3. Finance Charges on Purchases and Cash Advances:\nPurchases - The credit union will charge a Finance Charge on\npurchases if you did not pay the total new balance listed on your\nlast billing statement in full by the payment due date. The\npayment due date will be a minimum of 21 days after your billing\nstatement date\nCash Advances - The credit union will charge a Finance Charge on\ncash advances from the day the cash advance is posted to your\naccount until the day we receive payment in full. Cash Advances\ninclude all convenience check transactions (whether used to\nobtain cash or to pay for goods or services), use of the Card to\nobtain cash via a signature (over-the-counter) transaction or ATM,\noverdraft protection advances, and OnLine Access advances.\n4. We may change the Annual Percentage Rate on Gold accounts\nwithout advance notice as stated in C.1.3. Fixed rate accounts\nand certain types of fees can change upon legally required\nadvance notice to you. Interest rate changes and increased fees\ntriggered by transactions will apply only to borrowing transactions\nposted at least 14 days after we send you the notice of the rate\nchange.\n5. Your credit card payments will be applied first to past due and over-limit\nbalances, then to fees, fees, then to interest, and the remainder, if any,\nwill reduce your principal balance. Any portion of the payment you make\nthat exceeds your required minimum payment will, if different interest\nrates apply to different portions of your balance, be applied first to pay off\nhigher rate balances.\n6. Each month you must pay at least $15.00 or 2.5% of your\nprincipal balance, whichever is greater, plus any fees charged to\nFederally Insured by NCUA\nBIN # 523788, 525722, 524932\nCC100 Rev 03/16\n\n7.\n\n8.\n\n9.\n\nD.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\nE.\n\nyour account, any past due amounts, and any amount by which\nyou have exceeded your credit limit. If your balance is less than\n$15.00, you must pay it in full. Minimum monthly payments are\nrounded up to the nearest whole dollar. If your principal balance\nincreases and/or the interest rate on a Gold account increases,\nyour minimum monthly payment will generally increase.\nWe will send you monthly statements of your credit card account, which\nwill advise you of the status of your account and any other information\nrequired by law.\nIf your outstanding balance exceeds your credit limit, you must, upon our\nwritten request, make a sufficient payment to reduce your balance to an\namount within your credit limit.\nYou may pay your balance, including accrued Finance Charges on\nthe unpaid balance, in full at any time without prepayment\npenalty.\nOTHER CHARGES\nIf we do not receive your payment at the address provided with\nyour billing statement, in one of our branch offices, or\nelectronically by its due date, we will assess a $30.00 late charge.\nIf your due date falls on a weekend or holiday and we receive a\nmailed payment on the next business day, we will consider your\npayment to have been received on time.\nWe will assess an annual fee of $15.00 for Share Secured\naccounts each year on February 18th. Gold, Classic, Preferred\nand Platinum accounts have no annual fee.\nWe will assess a $20.00 fee for each dishonored check or other payment\ninstrument. The fee will be added to your account and treated as a purchase for\nthe purpose of calculating Finance Charges.\nTo cover our cost, we may assess a $30.00 fee for each credit card you\nrequest on a rush basis. The fee will be added to your account and treated as a\npurchase for the purpose of calculating Finance Charges.\nWe will charge $2.00 per page for each document copy that you request\nregarding the account, unless the copy is requested to resolve a billing\nerror. This fee will be added to your account and will be treated as a\npurchase for the purpose of calculating Finance Charges.\nWe charge $22.00 for each request you make to stop payment on a\nconvenience check. The fee will be added to your account and will be\ntreated as a purchase for the purpose of calculating Finance Charges. We\nwill not implement a stop payment unless you provide the account\nnumber, draft number, and exact amount of the convenience check so\nthat we can make an effective search. Oral requests must be confirmed in\nwriting within 14 days or the stop payment will be suspended\nautomatically. Stop payment requests will be processed promptly, but we\nwill not be responsible for a convenience check that we pay between the\ntime the request is taken and the time it is implemented unless our delay\nwas unreasonable. Written stop payment orders are valid for six months.\nTo release a stop payment order, complete a stop payment release form.\nIf we fail to carry out a timely stop pay, we will not be obligated to\nreimburse you if the convenience check discharged a valid obligation. If\nwe do reimburse you, the claim for funds against the payee of the\nconvenience check will be assigned to us, and you agree to cooperate in\ncollecting the amount wrongfully paid to the payee of the stopped\nconvenience check.\nCREDIT INSURANCE\nIf we offer credit insurance on your account, and you choose to\npurchase it through the credit union, you authorize us to bill you\nits cost each month and you agree to pay for it. The monthly cost\nof credit insurance will be treated as a purchase for the purpose\nof calculating Finance Charges. Purchase of credit insurance is\noptional and will not affect our decision to extend credit to you.\nYou may cancel credit insurance at any time. A separate\ndisclosure, provided when you apply for credit insurance, will\ndisclose the cost of coverage. Costs for credit insurance will be\ndisclosed on a separate enrollment document you will be required\nto sign before coverage takes effect.\n\n3\n\n\x0cCredit Union 1 \xef\x82\x9f Cardholder Agreement and Truth in Lending Disclosure\nF. CREDIT REPORTING\nYou agree that we can request reports from one or more consumer\nreporting agencies (credit bureaus) in connection with your credit\napplication and any update, renewal or extension of your account. If you\nask us, we will tell you whether any consumer report was requested and,\nif so, of the name and address of the consumer reporting agency that\nfurnished the report. We may exchange credit information about you with\nothers in connection with your application, your account, and any credit\nwe extend to you.\nG. CHANGES IN TERMS\nWe may change terms of this Agreement by giving you advance\nnotice required by law. Changes we can make include changing\nfixed interest rates, changing variable rate formulas, changing\nvariable rate accounts to fixed rate accounts, changing fixed rate\naccounts to variable rate accounts, and adjusting, adding or\ndeleting fees. Changes of this type will generally apply only to\npurchases and cash advances you make 14 days after we send\nyou the change in terms notice, so you can avoid the changes by\nnot using your account for new transactions. You can reject\nchanges any changes that would otherwise apply to existing\nbalances by notifying us to close the account, in which case you\nwill be permitted to pay off any outstanding amounts under the old\nterms of your agreement with us.\nH. HONEST DEALING\nYou agree to promptly notify us of any information that affects your\ncreditworthiness or ability to pay off the loan, including but not limited to a\nchange in address or employment. You agree not to make any additional\npurchases, or take any additional cash advances if you do not reasonably\nbelieve you can repay them under the terms of this agreement.\nI. ADDITIONAL TERMS APPLICABLE TO COSIGNERS\nAs a cosigner, you understand and agree that you are obligated to repay\nany amount borrowed under this agreement up to the credit limit we\nestablish for the applicant to the same extent as the applicant. We can\nproceed against you if the payments are delinquent even before we seek\nto recover from the borrower. We will give you notice of any action we\ntake that could have an adverse affect. Any extension of the payoff or\npartial settlement with the borrower will not waive any of our rights\nagainst you as the cosigner. You can stop being obligated for future loan\nadvances only by writing to us to that effect. But you will still be jointly and\nindividually liable with the borrower to repay all balances outstanding as of\nthe time we receive your notice.\nJ. CONSENT TO RECOVER DELINQUENT PAYMENTS FROM SHARES\nIn consideration for and as a condition of our issuing a credit card\nto you, you agree that if you fail to make your required payments,\nwe can recover your delinquent payments from any Credit Union 1\nshares in which you have an interest, unless prohibited by law or\nthe share agreement. This consent is not a pledge of any shares\nand will not affect your right to withdraw funds prior to your\npayment default and our exercise of our rights under this consent.\nOur exercise of our rights under this consent will not be an\nelection of remedies.\nK. SHARE SECURED ACCOUNTS\nIf you have a Share Secured Account, a specified amount in one\nor more of your Credit Union 1 share accounts is pledged as\nsecurity for repayment of all amounts loaned to you under the\nterms of this agreement. The amount pledged and the account\nwill be shown on the separate security agreement. You cannot\nwithdraw the funds pledged as long as the pledge is in effect. If\nyou default in your payments under the terms of this agreement,\nthe credit union has the right to apply the amount specifically\npledged to pay off this account in full or in part. If you are\ninadvertently permitted to withdraw shares pledged as security for\na share-secured credit card, we can require you to pledge\ndifferent shares or declare your account to be in default and call\nthe entire outstanding balance due and payable immediately.\nFederally Insured by NCUA\nBIN # 523788, 525722, 524932\nCC100 Rev 03/16\n\nL. DEFAULT - LIEN - ACCELERATION\n1. If you fail to make the minimum monthly payment by the due date,\nyou authorize us to apply any Credit Union 1 shares in which you have\nan interest at any time to pay off, in full or in part, your account. Any\nIndividual Retirement Accounts (IRAs) or other shares that would lose\nspecial tax treatment if pledged as security for a loan are not subject\nto this authorization.\n2. If you default on your payments or any other obligation under this agreement,\nyou fail to remain a member in good standing of Credit Union 1, your\ncreditworthiness materially declines, you become insolvent, file for bankruptcy\nrelief, or die, we will, at our option, terminate your account and declare the\nentire unpaid balance of the account due and payable immediately without\nnotice. Even if we accept a late payment or partial payment, we are not\nwaiving our right to accelerate the payment of the account and declare the\nentire unpaid balance due.\nM. COLLECTION COSTS\nIf you default in your payments or other obligations, you agree to pay all\ncosts we reasonably incur to enforce this Agreement before we take legal\naction against you. If we take legal action against you, you agree to pay\nour reasonable attorney\xe2\x80\x99s fees and court costs in addition to any other\nremedy the court finds proper, whether the action we take is a collection\nlawsuit, a proceeding to protect our interest if you become a bankruptcy\ndebtor, an appeal, an action to collect a judgment, or any other type of\naction.\nN. TERMINATION\nWithout prior written notice, we can close the account, reduce the credit limit,\nrefuse to make further advances, and revoke all credit cards issued on the\naccount for any breach of this agreement to the extent permitted under law. If\nthat happens, you agree to surrender all issued credit cards and convenience\nchecks to the credit union. Closing of your account and termination of this\nagreement will not relieve you of the obligation to repay the full account\nbalance due under this agreement.\nO. OTHER RIGHTS\n1. Unauthorized Use of Lost or Stolen Cards. You will generally have no\nliability for unauthorized use of your credit card under MasterCard\xe2\x80\x99s\nZero Liability Rule. You nevertheless agree to notify us immediately of\nthe loss or theft of your Card at our telephone number, 800 6826075 or on our website at www.cu1.org. During regular business\nhours, you can also call (907) 339-9485 or toll free at 800 478-2222.\nIf the unauthorized use falls outside MasterCard\xe2\x80\x99s Zero Liability Rule,\nsuch as if you have been grossly negligent in handling your card, your\nmaximum liability is $50.00. Business or organization accounts in\nwhich ten (10) or more credit cards have been issued to employees\nor associates are not subject to the limitations on liability. In all cases\nof unauthorized use, you agree to cooperate in our investigation to\nthe best of your ability.\n2. Credits. If a merchant who honors your credit card gives you credit\nfor returns or adjustments, he/she will do so by sending us a credit\nslip, which we will post to your account. If your credits and payments\nexceed what you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on your\nwritten request if it is $1.00 or more.\nP. GENERAL TERMS\nThe terms of this agreement must be read together as part of the whole\nagreement. When the singular is used, the plural is implied if there is more\nthan one signer. If any part of this agreement is found to be invalid the other\nparts shall remain in effect. Applicable federal and Alaska laws shall govern\nthe interpretation of this agreement.\nYOUR BILLING RIGHTS: Keep This Notice for Future Use\nSTATE AND LOCAL LAW: The following summary of your rights under federal\nlaw does not cover rights you may have under State and local law. If, under\nState or local law, you have a longer period of time in which to send an inquiry\nto the credit union concerning your statement, reliance on such any longer\ntime period may result in your losing important rights which could be\n\n4\n\n\x0cCredit Union 1 \xef\x82\x9f Cardholder Agreement and Truth in Lending Disclosure\npreserved by acting more promptly under federal law. State or local\nprovisions, if any, only become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting written notification of\nan error.\nThis notice contains important information about your rights and\nresponsibilities under the Fair Credit Billing Act.\n\na. You must have made the purchase in your home state or, if\nnot within your home state, within 100 miles of your current\nmailing address, and;\nb. The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if\nwe mailed you the advertisement for the property or services.\n\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS\nABOUT YOUR STATEMENT OR ELECTRONIC TRANSFERS\nIf you think your statement or other documentation is wrong, or if you\nneed more information about a transaction on your statement, write\nus at the address listed on your statement. Write to us as soon as\npossible. We must hear from you no later than 60 days after we sent\nyou the first statement on which the error or problem appeared. You\ncan telephone us at (907) 339-9485 or toll free at 800 478-2222\nduring regular business hours, but doing so will not preserve your\nrights. In your letter, give us the following information:\n\xe2\x80\xa2\nYour name and account number.\n\xe2\x80\xa2\nThe dollar amount of the suspected error.\n\xe2\x80\xa2\nA description of the error and explanation of why you\nbelieve there is an error.\nIf you need more information, describe the item about which you aren\xe2\x80\x99t\nsure.\n\nUSE OF YOUR CREDIT CARD FOR CASH ADVANCES\nDaily Limits: You can use your credit card to get cash advances at ATMs\nand other locations that honor credit cards for cash advances. You can obtain\nup to $10,000 per day or your available credit, whichever is less, subject to\nthe following additional limits: (a) Classic cardholders can obtain no more than\n$5,000 in cash advances per day. (b) You can obtain no more than $2,500 in\n\xe2\x80\x98\xe2\x80\x98quasi-cash\xe2\x80\x99\xe2\x80\x99 transactions (meaning purchases that can be converted to cash,\nsuch as wire transfers, money orders and casino credits). (c) You can obtain\nno more than $5,000 in cash per day. (d) You can conduct no more than 25\ncash advance transactions per day, and of those no more than 5 may be\nmade at ATMs.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES\nAFTER WE RECEIVE YOUR WRITTEN NOTICE OF ERROR\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement was correct.\nIf you have authorized us to pay your credit card account\nautomatically from a Credit Union 1 share account, you can stop\npayment on any amount you think is wrong. Your request must reach\nus at least three business days before the payment is scheduled to\noccur. We can ask you to confirm an oral request in writing within 14\ndays, and if you do not do so, your stop payment request will lapse.\nAfter we receive your letter, and if you have not yet paid the disputed\namount, we cannot try to collect any amount you question, or report\nyou as delinquent. We can continue to bill you for the amount you\nquestion, including Finance Charges, and we can apply any unpaid\namount against your credit limit. You do not have to pay a\nquestioned amount while we are investigating, but you are still\nobligated to pay the parts of your statement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any Finance Charges related to any questioned amount.\nIf we did not make a mistake, you may have to pay Finance Charges,\nand you will have to make up any missed payments on the questioned\namount. In either case, we will send you a statement of the amount\nyou owe and the date it is due.\nIf you fail to pay the amount that we think you owe, we may report you\nas delinquent. However, if our explanation does not satisfy you and\nyou write to us within 10 days telling us that you still refuse to pay, we\nmust tell anyone to whom we report you that you have a question\nabout your statement. We must also tell you the name of anyone to\nwhom we reported you. We must tell anyone to whom we report you\nthat the matter has been settled between us when it finally is.\nIf we do not follow these rules, we cannot collect the first $50 of the\nquestioned amount, even if your statement was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES AND WITHDRAWALS\nIf you have a problem with the quality of goods or services that you\npurchased with a credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right to not\npay the remaining amount due on the property or services. The two\nlimitations on this right are:\n\nFederally Insured by NCUA\nBIN # 523788, 525722, 524932\nCC100 Rev 03/16\n\nSuspicious Transactions: We can identify suspicious or extraordinary transactions and may decline the transaction or block future transactions. Our\nprocessor may attempt to call you or e-mail you if suspicious transactions are\nattempted on your account. If you anticipate using your card for large\npurchases that are unusual as to type or location for you, you may wish to\nnotify us in advance so we can avoid declining your transaction.\nUse of Your Card at ATMs:\n1. In addition to the limits prescribed above, the ATM you are using may limit\nyour transactions. ATMs are generally available 24 hours a day, 7 days a\nweek, but may be closed for maintenance.\n2. You cannot use your credit card for ATM cash advances without a\nconfidential personal identification code (PIC). Keep your PIC safe.\nMemorize it. Do not write it on your card, disclose it to others, or key it in\nwhere others can see it. PIC-based transactions are generally not subject\nto zero-liability rules for unauthorized credit card use.\n3. You will generally get a receipt dispensed by the ATM and your periodic\nstatement will show ATM cash advances.\n4. The Credit Union will have liability for failure to complete credit card ATM\ntransactions only to the extent of your direct losses or damages, limited\nto the transaction amount. We will not be liable if (i) you do not have\nadequate available credit to obtain the advance; (ii) The ATM system is not\nworking properly and you are aware of the problem when you start your\ntransaction; (iii) the ATM does not have sufficient cash to cover the\nadvance; (iv) your card or PIC have been blocked due to a reported loss\nor theft; (v) circumstances beyond our control such as fire, flood or\nelectrical or communications system failure prevent completion of the\ntransactions in spite of our reasonable precautions; (vi) your borrowing\nprivileges have been suspended or terminated for any lawful reason\nincluding reasons stated in this agreement; or (vii) we establish other\nlawful exceptions and give you any advance notice required by law. We\nwill not be liable for punitive damages or for alleged consequential\ndamages such as lost business opportunities or harm to your credit\nstanding.\n5. We do not guarantee the safety or security of ATM sites and are not liable\nfor wrongful acts at ATM by any persons who are not our authorized\nagents or employees. When using ATMs, be aware of your surroundings,\nespecially at night. Consider having someone accompany you when you\nuse an ATM after dark. Put your cash and card away as soon as your\ntransaction is complete and take your receipt with you. Do not use an\nATM if you observe suspicious activity in the surrounding area. Report all\ncriminal activity to law enforcement officials and the credit union.\n\nIf you have any questions regarding this disclosure,\nplease call (907) 339-9485 or (800) 478-2222.\n\n5\n\n\x0c'


b'Georgia United Credit Union\nPO Box 100070\nDuluth, GA 30096-9370\n888.493.4328\nwww.gucu.org\n\nCREDIT CARD DISCLOSURE\nINTEREST RATES and INTEREST CHARGES:\nVISA CASH BACK SIGNATURE\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be\n12.24% to 22.99% based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nAPR for Balance Transfers*\n\n1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account\nopening. After that, your Standard APR will be 12.24% to 22.99% based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n14.24% to 24.99% based on your creditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest\non purchases if you pay your entire new purchase balance by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the date the cash advance or\nbalance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount:\n- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\nNone\n2% of each transaction that is greater than $2.00\n1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars\nthat is processed outside the United States.\nUp to $25.00 if your payment is late 10 days or more\nNone\nUp to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment.\n*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to\nbalances transferred from other Georgia United Credit Union credit cards or loans.\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nCard Replacement Fee:\n$10.00\nSkip-A-Pay Fee:\n$25.00\nExpedited Card Fee:\n$50.00\n\npage 1 of 1\n\n\x0c'


b'Georgia United Credit Union\nPO Box 100070\nDuluth, GA 30096-9370\n888.493.4328\nwww.gucu.org\n\nCREDIT CARD DISCLOSURE\nINTEREST RATES and INTEREST CHARGES:\nVISA PLATINUM\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.99% Introductory APR for 12 billing cycles. After that, your Standard APR will be\n10.24% to 22.99% based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nAPR for Balance Transfers*\n\n1.99% Introductory APR for 12 billing cycles if the balance transfer is made within 90 days of account\nopening. After that, your Standard APR will be 10.24% to 22.99% based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n12.24% to 24.99% based on your creditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest\non purchases if you pay your entire new purchase balance by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the date the cash advance or\nbalance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount:\n- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\nNone\n2% of each transaction that is greater than $2.00\n1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars\nthat is processed outside the United States.\nUp to $25.00 if your payment is late 10 days or more\nNone\nUp to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a late payment.\n*Introductory Rate is available only for balance transfers made within 90 days of account opening. Introductory Rate does not apply to\nbalances transferred from other Georgia United Credit Union credit cards or loans.\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nCard Replacement Fee:\n$10.00\nSkip-A-Pay Fee:\n$25.00\nExpedited Card Fee:\n$50.00\n\npage 1 of 1\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nMASTERCARD\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nMyPerks\n\n9.99% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMyPlan Secured\n\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nMyPower\n\n7.99% to 18.00%\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nMyPerks\n0.00% Introductory APR for a period of 18 billing cycles.\nAfter that, your APR will be 9.99% to 18.00% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMyPlan Secured\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nMyPower\n2.99% Introductory APR for a period of 18 billing cycles.\nAfter that, your APR will be 7.99% to 18.00% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10428614-MXC10-P-1-020520 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nMyPerks\n11.99% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMyPlan Secured\n18.00%\nThis APR will vary with the market based on the Prime Rate.\nMyPower\n9.99% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee - MyPerks, MyPower\n- Annual Fee - MyPlan Secured\nTransaction Fees\n- Balance Transfer Fee - MyPerks,\nMyPlan Secured\n- Balance Transfer Fee - MyPower\n- Cash Advance Fee - MyPerks, MyPlan\nSecured\n- Cash Advance Fee - MyPower\n- Foreign Transaction Fee - MyPerks,\nMyPlan Secured\n- Foreign Transaction Fee - MyPower\nPenalty Fees\n- Late Payment Fee - MyPerks, MyPlan\nSecured\n- Late Payment Fee - MyPower\n- Returned Payment Fee - MyPerks,\nMyPlan Secured\n- Returned Payment Fee - MyPower\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.\nIf you are charged interest, the charge will be no less than $1.00.\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\nNone\n$25.00\n$10.00 or 3.00% of the amount of each balance transfer, whichever is\ngreater\nNone\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $100.00)\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $20.00\nNone\nUp to $25.00\nNone\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - MyPerks, MyPower:\nThe Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days\nfollowing the opening of your account.\nLoss of Introductory APR:\nWe may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days\nlate in making a payment.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10428614-MXC10-P-1-020520 (MXC101-E)\n\n\x0cEffective Date:\nThe information about the costs of the card described in this application is accurate as of: July 30, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the MyPerks, MyPlan Secured and MyPower are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee - MyPerks, MyPlan Secured:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are 25 or more days late in making a\npayment.\nAnnual Fee - MyPlan Secured:\n$25.00.\nBalance Transfer Fee (Finance Charge) - MyPerks, MyPlan Secured:\n$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.\nCash Advance Fee (Finance Charge) - MyPerks, MyPlan Secured:\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $100.00.\nReturned Payment Fee - MyPerks, MyPlan Secured:\n$25.00 or the amount of the required minimum payment, whichever is less.\nDocument Copy Fee - MyPerks, MyPlan Secured:\n$12.00 per document.\nDocument Copy Fee - MyPower:\nNone.\nRush Fee - MyPerks, MyPlan Secured:\n$25.00 second day.\nRush Fee - MyPower:\nNone.\nStatement Copy Fee - MyPerks, MyPlan Secured:\n$2.00 per document.\nStatement Copy Fee - MyPower:\nNone.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10428614-MXC10-P-1-020520 (MXC101-E)\n\n\x0c'