b'1070 Edgefield Road\nP.O. Box 6730\nNorth Augusta, SC 29861\n(800) 237-9829\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of\n09/01/2020\n__________________\n. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire if\nany changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nVISA TRADITIONAL\nSECURED\nAnnual Percentage Rate (APR) for\nPurchases\n\n14.00%\n\n1.99%\n\nThis APR will vary\nIntroductory APR for twelve\nwith the market based months as of account\non the Prime Rate.\nopening. After that, your\nStandard APR will be\n\nAPR for Cash Advances\n\n14.00%\nThis APR will vary\nwith the market\nbased on the Prime\nRate.\n\nAPR for Balance Transfers\n\n14.00%\nThis APR will vary\nwith the market\nbased on the Prime\nRate.\n\nVISA REWARDS\n\nVISA TRADITIONAL\n\nVISA SIGNATURE\n\n1.99%\n\n1.99%\n\nIntroductory APR for twelve\nmonths as of account\nopening. After that, your\nStandard APR will be\n\nIntroductory APR for twelve\nmonths as of account\nopening. After that, your\nStandard APR will be\n\n5.25%-14.25%\n\n6.25%-16.25%\n\n6.25%-16.25%\n\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n\n5.25%-14.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n1.99% Introductory APR for\ntwelve months as of\naccount opening. After that,\nyour Standard APR will be\n\n6.25%-16.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n1.99% Introductory APR for\ntwelve months as of\naccount opening. After that,\nyour Standard APR will be\n\n6.25%-16.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n1.99% Introductory APR for\ntwelve months as of\naccount opening. After that,\nyour Standard APR will be\n\n5.25%-14.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n\n6.25%-16.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate.\n\n6.25%-16.25%\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime 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 on purchases\nif you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau Consumer Financial Protection Bureau\'s web site at http://www.consumerfinance.gov/learnmore.\nFEES:\nFees to Open or Maintain your Account\n- Annual Fee:\nNone\n- Application Fee:\nNone\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nNone\n2% of the amount of each cash advance or $10.00, whichever is greater\n1% for any transaction outside the U.S. or U.S. territories\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nUp to $25.00 if your payment is late 1 day or more\nNone\nUp to $20.00 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 are 60 days late.\n9013 LASER FPDF FI14832 Rev 8-2020\n\npage 1 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cCREDIT CARD APPLICATION\n\n1070 Edgefield Road\nP.O. Box 6730\nNorth Augusta, SC 29861\n(800) 237-9829\n\nMarried Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.\nIndividual Credit: Complete Applicant sections if only the applicant\'s income is considered for loan approval.\nComplete Applicant and Co-Applicant sections: (1) if you are relying on income from alimony, child support, or separate maintenance\nor on the income or assets of another person as the basis for repayment of credit requested; (2) if you reside in a Community Property\nState; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) if\nyou are an Alaska resident subject to a community property agreement or community property trust. Community Property States include:\nAZ, CA, ID, LA, NM, NV, TX, WA, WI.\nJoint Credit:\n\nComplete Applicant and Co-Applicant sections if your co-applicant will be contractually liable for repayment of the loan and initial below:\nWe intend to apply for joint credit.\n\n(Applicant Initials)\n\n(Co-Applicant Initials)\n\nPLEASE CHECK BELOW TO INDICATE THE TYPE OF ACCOUNT(S) AND TYPE OF CREDIT FOR WHICH YOU ARE APPLYING.\nIndividual\n\nCredit Cards:\n\nNumber of Cards\n\nJoint\n\nAmount Requested $\n\nVisa Traditional Secured\nVisa Traditional\n\nIf Authorized user, name\n\nVisa Rewards\n\nDate of Birth\n\nSEE PAGE 1 FOR IMPORTANT INFORMATION ABOUT CREDIT CARDS\n\nVisa Signature\nAPPLICANT\n\nCO-APPLICANT\n\nNON-APPLICANT SPOUSE/OTHER\n\nGUARANTOR\n\nNAME (Last - First - Initial)\n\nACCOUNT NUMBER\n\nNAME (Last - First - Initial)\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nMOTHER\'S MAIDEN NAME\n\nSOCIAL SECURITY NUMBER\n\nMOTHER\'S MAIDEN NAME\n\nE-MAIL ADDRESS\n\nFAX NUMBER\n\nE-MAIL ADDRESS\n\nFAX NUMBER\n\nBUSINESS PHONE/EXT.\n\nBIRTH DATE\n\nSTATE\n\nDRIVER\'S LICENSE NUMBER\n\nHOME PHONE\n\nBIRTH DATE\n\nDRIVER\'S LICENSE NUMBER\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nOWN\n\nBUSINESS PHONE/EXT.\n\nHOME PHONE\n\nSTATE\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nRENT\n\nOWN\n\nYEARS/MONTHS\nAT THIS ADDRESS\n\nRENT\n\nYEARS/MONTHS\nAT THIS ADDRESS\n\nPREVIOUS ADDRESS (Street - City - State - Zip)\n\nPREVIOUS ADDRESS (Street - City - State - Zip)\n\nPURCHASE PRICE OF HOME:\n\nPRESENT HOME VALUE:\n\nPURCHASE PRICE OF HOME:\n\nPRESENT HOME VALUE:\n\n$\n\n$\n\n$\n\n$\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT (MORTGAGE/RENT)\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT (MORTGAGE/RENT)\n\n$\n\n$\n\n$\n\n$\n\nPLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF\nYOU LIVE IN A COMMUNITY PROPERTY STATE.\nMARRIED\n\nSEPARATED\n\nUNMARRIED (Single - Divorced - Widowed)\n\nPLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF\nYOU LIVE IN A COMMUNITY PROPERTY STATE.\nSEPARATED\nUNMARRIED (Single - Divorced - Widowed)\nMARRIED\n\nEMPLOYMENT\nNAME AND ADDRESS OF EMPLOYER\n\nHIRE DATE\n\nNAME AND ADDRESS OF EMPLOYER\n\nPOSITION\n\nHIRE DATE\n\nPRIOR EMPLOYER\n\nPOSITION\n\nPRIOR EMPLOYER\n\nINCOME\nOTHER INCOME NOTICE: Alimony, child support, or separate maintenance\nincome need not be revealed if you do not choose to have it considered.\n\nOTHER INCOME NOTICE: Alimony, child support, or separate maintenance\nincome need not be revealed if you do not choose to have it considered.\n\nINCOME\n\nINCOME\n\n$\n\n$\n\nPER\n\nPER\n\nREFERENCES\nNAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU\n\nHOME NUMBER\n\nNAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU\n\nRELATIONSHIP\n\nHOME NUMBER\n\nRELATIONSHIP\n\npage 2 of 3\n\n\x0cOTHER INFORMATION ABOUT YOU - IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN #1, EXPLAIN ON AN ATTACHED SHEET.\n\nAPPLICANT\n\nOTHER\n\n1. ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?\n2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT\nADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE\nLAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?\n3. IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS?\n4. ARE YOU A CO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE?\nFOR WHOM (Name of Others Obligated on Loan):\nTO WHOM (Name of Creditor):\n\nSTATE NOTICES\nOHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with\nthis law.\nWISCONSIN RESIDENTS ONLY: Marital Status:\n\nMarried\n\nUnmarried\n\nLegally Separated\n\nIf married: the name of my spouse is\nSpouse\'s Address (if different)\n\nSpouse\'s SSN:\n\nNotice: No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely\naffect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms,\nbefore the credit is granted or the account is opened.\nMARRIED WISCONSIN RESIDENTS APPLYING FOR AN INDIVIDUAL ACCOUNT: By signing here, I state that the credit being applied for, if granted, will\nbe incurred in the interest of the marriage or family of the Borrower(s).\n\nX\n\nSECURITY INTEREST\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS APPLICATION.\nIF YOUR APPLICATION IS APPROVED, YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN\nAPPLY YOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are\nnot subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your\nprincipal residence or non-purchase money household goods.\n(Applicant Initials)\n\n(Co-Applicant Initials)\n\nLOAN APPLICATION SIGNATURES\nPLEASE READ BEFORE SIGNING:\nAll the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on\nthis application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information from\nothers about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If\nthis application is approved, I agree to honor the provisions of the credit card agreement covering my account. (If this application is for two or more of us, this\nstatement applies to all of us.)\nConsumer and Credit Report Authorization. By signing this Application, I authorize you to obtain my consumer and/or credit report for the purposes of\nevaluating this application and to obtain subsequent credit reports on an on-going basis in connection with this transaction, and for all other legitimate purposes,\nsuch as reviewing my accounts or taking collection action on the account. I authorize you to receive and review other information about me, such as my\nemployment and income information, from third-parties or consumer reporting agencies.\nVermont Residents: Applicant provided consent via phone _______________ (Credit Union Initials)\nPermission to contact: By providing a wireless telephone number (i.e., cell phone), I consent to receiving calls, including autodialed and prerecorded\nmessage calls, from the credit union or its third party debt collector at that number.\nIMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record\ninformation that identifies each person who opens an account. What this means for me: When I open an account, you will ask for my name, address, date of\nbirth, and other information that will allow you to identify me. You may also ask to see my driver\'s license or other identifying information.\nSIGNATURE OF APPLICANT\n\nX\n\nDATE\n\nSIGNATURE OF CO-APPLICANT\n\nX\nHAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.\n\npage 3 of 3\n\nDATE\n\n\x0c'


b'CREDIT CARD AGREEMENT\n1630 King Street\nAlexandria, VA 22314-2745\n\nIN THIS AGREEMENT THE WORDS "I", "ME" AND "MY" MEAN THE CARDHOLDER(S). THE WORDS "YOU", "YOUR" AND "YOURS" MEAN STATE DEPARTMENT FEDERAL CREDIT UNION. ONCE I HAVE\nACTIVATED, SIGNED OR USED MY CREDIT CARD, I HAVE AGREED TO THE TERMS OF THE AGREEMENT.\n\nThe following definitions apply to the terminology used in this Agreement:\nAnnual Percentage Rate: The cost of my credit at a yearly rate.\nBilling Cycle: The time interval between regular monthly billing statement\ndates, beginning with the first day after the closing date of the previous cycle\nthrough the closing date of the current cycle.\nCard: Any Credit Card issued by you for my use to obtain money, property or\nservices on credit.\nCardholder: Any person for whose account the Card is issued and any\nauthorized user of the Card.\nCash Advance: Extension of credit by you for monies paid out by you or any\nother financial institution honoring the Card to me through use of the Card\nand/or PIN.\nClosing Date: The date of the last day of a Billing Cycle.\nCredit Limit: The maximum amount of credit available to me as set for the\nAccount by you from time to time.\nInterest Charge: The cost of credit extended to me on the Account resulting\nfrom applying a Periodic Rate to the Average Daily Balances of Cash Advances\nand Purchases.\nNew Balance: The balance of all purchases, cash advances, fees and finance\ncharges outstanding on the closing date.\nPersonal Identification Number (PIN): A number issued by you to be used in\nconjunction with my Card to receive cash advances at Automated Teller\nMachines (ATM).\nPrevious Balance: The balance of the Account at the beginning of the Billing\nCycle. (It is the same amount that was shown as "New Balance\'\' on the Closing\nDate on the statement for the preceding Billing Cycle.)\nPurchase: Extension of credit by you for goods/services obtained by me from a\nseller of goods/services through use of the Card.\nTERMS AND CONDITIONS\nI may use the Card, on the terms hereof only, to buy goods or services from\nmerchants honoring the Card or receive cash advances from you or any other\nfinancial institution honoring the Card up to my credit limit, if I follow any\nreasonable and proper procedures required by you, the merchant, or any other\nfinancial institution honoring the Card. I may also obtain cash advances using\nmy PIN in conjunction with my Card in accordance with instructions given by the\nATM or other electronic terminal allowing access to my Credit Card account. My\nperiodic statement will identify the merchant, electronic terminal, or financial\ninstitution where each transaction is made. As I repay purchases and cash\nadvances, my available credit increases by the amount of the repayment; and I\nmay make additional purchases or receive additional cash advances up to the\namount of my available credit. The Card must be signed by me to insure proper\nuse. I agree to pay you for credit extended pursuant to the use of the Card by\nme or any person to whom I give express, implied or apparent authority\n(including minor children), together with all applicable interest charges and other\ncharges, and in accordance with the terms of this agreement.\nINTEREST CHARGES ON PURCHASES: You will impose an interest charge\non purchases outstanding in a billing cycle when the entire previous balance is\nnot paid on or before my payment due date. You compute the interest charge on\npurchases by applying a monthly periodic rate to the "average daily balance\'\' of\npurchases in the billing cycle (including current transactions). The monthly\nperiodic rate, subject to change monthly on the first day of the billing cycle, will\nbe 1/12 of the Annual Percentage Rate determined by adding the appropriate\nnumber of percentage points (see Truth-in-Lending Statement) to the Prime\nRate published in the Wall Street Journal as of the last day of the month\npreceding the change. When a range of rates is published, the highest rate is\nused. Any increase in the interest rate may take the form of higher amounts. The\nrate will change no more than once per month. To get the "average daily\nbalance\'\' of purchases, you take the beginning balance of purchases each day,\nadd any new purchases (as of the date of posting), and subtract any payments\nor credits (as of the date of posting), and unpaid interest charges and other\ncharges applicable to purchases. This gives you the daily balance (credit\nbalances will be considered as $0). Then you add up all the daily balances for\nthe billing cycle and divide the total by the number of days in the billing cycle.\nThis gives you the "average daily balance\'\' of purchases.\nI may avoid additional interest charges by paying the new balance in full on or\nbefore the payment due date which will be 25 days after the closing date.\n\n9011 LASER ML FPDF FI15314 Rev 1-2018\n\nINTEREST CHARGES ON CASH ADVANCES AND BALANCE TRANSFERS:\nYou will impose an interest charge on cash advances and balance transfers from\ndate made to date paid. If a cash advance or balance transfer is posted in a billing\ncycle, but has a transaction date preceding the billing cycle, then the first day of\nthe current billing cycle will be considered to be the "date of the transaction\'\' for the\npurposes of computing the interest charge. You compute the interest charge on\ncash advances and balance transfers by applying a monthly periodic rate to the\n"average daily balance\'\' of cash advances and balance transfers in the billing cycle\n(including current transactions). To get the "average daily balance\'\' of cash\nadvances and balance transfers you take the beginning balance of cash advances\nand balance transfers each day, add any new cash advances and balance\ntransfers (as of date of transaction), and subtract any payments or credits (as of\ndate of posting), and unpaid interest charges and other charges applicable to cash\nadvances and balance transfers. This gives you the daily balance (credit balances\nwill be considered as $0). Then, you add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing cycle. This gives you\nthe "average daily balance\'\' of cash advances and balance transfers. Each Cash\nAdvance and Balance Transfer may be charged a transaction fee. Refer to\nImportant Credit Card Disclosures for specific fee amounts.\nTOTAL INTEREST CHARGE: The total interest charge imposed during a billing\ncycle will be the sum of the products of (a) the interest charges on purchases, and\n(b) the interest charges on cash advances. If an interest charge is imposed, the\nminimum will be 50 cents.\nOTHER CHARGES: (a) Cash Advance Fee for advances received at an ATM or\nother electronic terminal; (b) Annual Fee: A prepaid Annual Fee may be imposed\non each account annually for which a valid Card is issued. (c) Service Fee: A\nService Fee may be charged for the cost of Credit Card sales drafts and/or actual\ncost for retrievals as posted by you from time to time. (d) Replacement Card Fee:\nA replacement fee may be charged for each lost Card. (e) Late Charge: A late\ncharge will be applied any time a payment is received more than 5 days after the\ndue date. All fees will automatically be charged to this account. Refer to Important\nCredit Card Disclosures for specific fee amounts.\nAUTOMATED TELLER MACHINE (ATM) ACCESS: SDFCU will automatically\nissue a Personal Identification Number (PIN) upon approval of my Credit Card\nline-of-credit. This PIN may be used to access my account at ATMs. Cash\nadvances received through use of this device will be subject to all the terms\ndisclosed in this Agreement. To prevent losses, I do not authorize other parties to\nuse my Card, and under no circumstances should I divulge my PIN to any other\nperson, or carry my number with my Card or near my Card. To release this\ninformation is a violation of my Credit Card privileges and may result in the\nrevocation of those privileges. I understand that I should memorize my PIN. ATM\ncash advances are limited to a daily maximum of $810. There is a limit of 4\ntransactions per day. I may normally access my account 24 hours-a-day, 7 days-aweek, including holidays.\nTERMINAL TRANSFERS: I can get a receipt at the time I make any transfer to or\nfrom my account using an automated teller machine or point-of-sale terminal when\nthe transfer is more than $15.00. I may not get a receipt if the transfer is $15.00 or\nless.\nLIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION:\nI agree to notify you immediately, orally or in writing at State Department Federal\nCredit Union, Attn: Card Services Department, 1630 King Street, Alexandria, VA\n22314-2745 or telephone (800) 296-8882, of the loss, theft, or unauthorized use of\nmy Credit Card. I may be liable for the unauthorized use of my Credit Card. I will\nnot be liable for unauthorized use that occurs after I notify you of the loss, theft, or\npossible unauthorized use. I will have no liability for unauthorized purchases made\nwith my Credit Card, unless I am negligent in the handling of my Card. In any\ncase, my liability will not exceed $50.\nSTATEMENTS: You will bill me monthly, on a date selected by you, for amounts\ndue under this Agreement. Upon receipt of each monthly periodic statement, I\nshould examine it and immediately notify you in writing pursuant to the instructions\non the "Billing Rights,\'\' of any charge or item which I believe to be in error or\nsubject to dispute. Any charge or item shall be conclusively deemed to be correct\nand undisputed unless you are notified to the contrary within 60 days after the\nmonthly periodic statement reflecting such charge or item is mailed to me. I will\npay such statement by remitting to you on or before the payment due date\nreflected on the statement either the full amount billed or, at my option, an\ninstallment equal to at least the required minimum payment stated in the Minimum\nMonthly Payment paragraph below.\nRev 01/18\n\npage 1 of 3\n\nCOPYRIGHT 2006 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT THE WORDS "I", "ME" AND "MY" MEAN THE CARDHOLDER(S). THE WORDS "YOU", "YOUR" AND "YOURS" MEAN STATE DEPARTMENT FEDERAL CREDIT UNION. ONCE I HAVE\nACTIVATED, SIGNED OR USED MY CREDIT CARD, I HAVE AGREED TO THE TERMS OF THE AGREEMENT.\n\nCREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE\nMINIMUM MONTHLY PAYMENT: If the outstanding balance of the Account is\n$25 or less, it will be payable in full. The required minimum monthly payment\nshall be the greater of (a) $25 or (b) two (2) percent of that portion of the\noutstanding balance which does not exceed the established credit limit, plus\nthe entire portion of the outstanding balance in excess of the established\ncredit limit, plus any amount past due.\nSKIP-A-PAYMENT:From time to time, solely at the option of the Credit Union,\nI may be given the option to skip a payment. If I elect to take advantage of the\noffer to skip a payment, the interest charge will continue to accrue during the\nmonth I choose to skip a payment and I must resume regular payments on the\nfollowing payment due date.\nAPPLICATION OF PAYMENTS: Payments when paid during a Billing Cycle\nwill generally be applied to amounts outstanding at the time payment is\nreceived in the following order:\n1. Interest Charges\n2. Other Charges\n3. Cash Advances\n4. Purchases\nIf a payment is received that is in excess of the minimum payment required,\nyou will allocate the excess to the balance with the highest Annual\nPercentage Rate.\nPERIODIC CREDIT REVIEW: I understand that you may review my loan file\nat least once every 12 months, and I hereby give permission to and authorize\nthe Credit Union to investigate and reassess my credit worthiness.\nREAPPLICATION: I understand that a reapplication by myself and approval\nby your Loan Officer shall be required if: (a) The credit limit is increased, or (b)\nThe terms of payment are extended beyond terms of the original\nagreement.\nOVERLIMIT: I shall not use the Card if such use would make my debt to you\ngreater than my credit limit. However, you may, at your option, recognize\ntransactions (and extend credit) which will cause my outstanding balance to\nexceed my credit limit and I will be liable for such transactions. A fee may be\ncharged for overlimit transactions.\nAUTOMATIC INCREASES: Automatic increases may be applied to those\naccounts in good standing. Notification of such increases will be mailed to the\nbilling address. Primary owners of the Cards are responsible for notifying any\njoint owners of their increased liability.\nDELINQUENT/PAST DUE ACCOUNTS: If I fail to pay an installment on time,\nthe entire balance on this account shall become immediately due and payable\nat your option. I fully understand, acknowledge and agree that if my account\nbecomes delinquent or past due, my Card and/or PIN shall be revoked,\nunless your Loan Officer determines that extenuating circumstances have\ncontributed to the delinquency. Under such circumstances, you may at your\noption approve my continued use of the Card and/or PIN.\nSUSPENSION OF ELECTRONIC SERVICES AND ACCESS TO SHARE OR\nDEPOSIT ACCOUNTS: Subject to applicable law, you may suspend some or\nall electronic services and access to my checking or other account(s) if I\nbecome delinquent on any of my credit card or deposit obligations to you or I\ncause a loss to you. You shall not be liable to me in any regard in connection\nwith such suspension of services.\nVOLUNTARY TERMINATION OF ACCOUNT: As the Cardholder, I\nunderstand that I can repay any outstanding balance prior to maturity in whole\nor in part at my option. Should I desire to terminate this line-of-credit\nagreement, I will surrender to you all Cards in my possession along with\nwritten notification of termination, and pay in full all principal and interest due\nand owed the Credit Union.\n\nTERMINATION OF ACCOUNT BY SDFCU: If you decide to terminate my line- ofcredit, I will receive written notification of such termination; however, I understand\nand acknowledge that such termination shall not affect my obligation to pay any\noutstanding balance. I acknowledge and agree that you may terminate or modify\nthis Agreement under the following conditions:\n(a) Upon adverse reevaluation of my credit worthiness, or\n(b) At my option or at your option if there is good cause.\nUNCOLLECTED ITEMS: Should a check credited as payment toward this\naccount be returned as an uncollected item for any reason, I agree that the\namount of the check plus a reasonable fee for special handling may be charged\nback to this account as a purchase item.\nCOSTS OF COLLECTION: I agree that if I fail to make any payment according to\nthe terms of this Agreement, I will be in default and you may turn the account over\nto a collection agency or an attorney for collection. I agree to pay the costs of\ncollection, and if legal action becomes necessary, to pay court costs as well as\nattorney\'s fees in the amount equal to twenty (20) percent of the principal and\ninterest due on this account, but such charge is in no event to be less than the\nactual costs incurred by you, exclusive of court costs.\nILLEGAL TRANSACTIONS PROHIBITED: I agree that I will not use my Card for\nany transaction that is illegal under applicable federal, state, or local law.\nFOREIGN TRANSACTIONS; CURRENCY CONVERSION: Purchases and cash\nadvances made in cross border/foreign currencies will be billed to me in U.S.\ndollars. Transactions processed outside of the United States may be charged a\nforeign transaction fee in an amount to be determined by the Credit Union,\nregardless of whether there is a currency conversion associated with the\ntransaction. The conversion rate in dollars will be a rate selected by the credit card\ncompany from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate the card\ncompany receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. A foreign transaction is any transaction\nthat I complete or a merchant completes on my card outside of the U.S., Puerto\nRico or the U.S. Virgin Islands; this may include internet transactions.\nMERCHANT ACCEPTANCE: You shall have no liability or responsibility if any\nmerchant refuses to honor the Card. No cash refund will be made to, or accepted\nby, me with respect to any adjustments for goods or services purchased, and any\nadjustment in connection therewith shall be accomplished only by credit to my\naccount with you authorized by a properly executed credit voucher.\nADDRESS CHANGES: I will advise you promptly if I change my mailing address.\nSend all address changes to: State Department Federal Credit Union, Attention:\nCard Services Department, P.O. Box 1429, Alexandria, VA 22313- 2029. All written\nnotices and statements will be sent to my address as it appears on your records.\nDISCLOSURE AMENDMENTS: You may amend this Agreement at any time in\nany manner upon written notice to me or by such other notice as may be allowed\nor required by law.\nState Department Federal Credit Union can delay enforcing any of these rights\nany number of times without losing those rights.\nThe parties agree that this agreement shall be governed by the laws of the\nCommonwealth of Virginia and/or applicable federal law. The parties further agree\nthat any cause of action shall be deemed to arise in Alexandria, Virginia and\nconsent to venue in Alexandria, Virginia in a court of proper jurisdiction.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between me and the Credit Union. This written agreement may\nnot be contradicted by evidence of any oral agreement.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE\nISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nI SPECIFICALLY GRANT YOU A CONSENSUAL SECURITY INTEREST IN\nALL INDIVIDUAL AND JOINT ACCOUNTS I HAVE WITH YOU NOW AND IN\nTHE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER\nTHIS AGREEMENT. I ALSO AGREE THAT YOU HAVE SIMILAR\nSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF I AM\nIN DEFAULT, YOU CAN APPLY MY SHARES TO THE AMOUNT I OWE.\nShares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nIf I have other loans with you, collateral securing such loans will also secure my\nobligations under this Agreement, unless that other collateral is my principal\nresidence or non-purchase money household goods.\n\npage 2 of 3\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent\n(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement\nand apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty\nmember of the military or a dependent:\n1.\n\nNOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call 1-800-296-8882 during our normal business hours: 8:00 a.m. \xe2\x80\x93 4:30 p.m. EST.\n\n2. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card\naccount does not apply.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong 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 statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from 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 dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0cTerms and contitions below only apply to the Premium Cash Back+ card\nSDFCU Premium Cash Back+ Card Terms and Conditions\nThis document contains the official rules for your SDFCU\nPremium Cash Back+ Card and important terms associated\nwith the use of the card and payment of the Cash Back\naward, including provisions related to eligible transactions,\npayment of cash awards and other important conditions\nand limitations. You must be an individual and use the\naccount only for personal, family or household expenses.\nCorporations, partnerships and other entities may not\nparticipate. Your account must be open and in good\nstanding to earn Cash Back rewards. By signing, accepting\nor using the Cash Back card, the primary card member\nconstitutes acceptance of the terms outlined below and\nthose within the Credit Card Disclosure Statement and\nAgreement for SDFCU Credit. Please retain both\ndocuments.\n\xef\x82\xb7\n\n\xef\x82\xb7\n\nCash Back awards have no cash value or value of\nany kind until they are credited towards your card\nbalance as dollars earned.\nYou are solely responsible for any taxes that may\nbe owed as a result of receiving Cash Back\nawards.\n\n\xef\x82\xb7\n\n\xef\x82\xb7\n\nconvenience checks, ATM cash disbursements,\nloan payments, fees, interest charges and\ndisputed\nor\nunauthorized/fraudulent\ntransactions are not considered purchases and\nwill not earn Cash Back.\nSDFCU reserves the right, at its sole discretion, to\ndisqualify any card member from receiving\nPremium Cash Back+ awards and to forfeit any\nand all cash back awards earned but not yet paid\nfor abuse, fraud, lottery, gaming or any violations\nof these terms and conditions.\nIf you dispute any aspect with respect to your\nPremium Cash Back+ account, including a dispute\nregarding the amount of awards earned or\ndeposited, you must notify us at: (866) 417-8626,\nwithin sixty (60) days of the date of the first\nPremium Cash Back+ account statement to which\nyour award dispute relates. If you do not properly\nnotify us in this timeframe, we will have no\nobligation to you to adjust any error.\n\nCash Back Restrictions or Forfeiture\nYou may not earn cash back awards during any\nstatement period in which the following occur:\n\nEarning Cash Awards\n\xef\x82\xb7\n\n\xef\x82\xb7\n\n\xef\x82\xb7\n\n\xef\x82\xb7\n\n\xef\x82\xb7\nYou earn 2% Premium Cash Back+ awards for\neach new retail purchases less credits, returns\nand adjustments (\xe2\x80\x9cNet Purchases\xe2\x80\x9d) charged in a\nstatement period made by you and/or any\nAuthorized User of the card.\nCash Back awards paid will be disclosed on your\ncredit card statement for the corresponding\nstatement period. There is no minimum or\nmaximum award you may earn. Cash awards\nearned will be paid in U.S. Dollars and rounded to\nthe nearest cent. You must redeem a minimum\nof $5.00 anytime you redeem cash back.\nAccount adjustments, returns, credits, disputes or\nchargebacks may affect the amount of any cash\nback paid.\nBalance transfers, cash advances (or cash\nequivalent transactions such as the purchase of\nforeign currency), money orders, travelers\ncheques, prepaid cards, cashier\xe2\x80\x99s checks,\n\n\xef\x82\xb7\n\xef\x82\xb7\n\n\xef\x82\xb7\n\nYour account becomes delinquent or is otherwise\nin default as outlined under your credit card\nagreement with us.\nYou or any Authorized User engage in any\nfraudulent activity on this account.\nYou engage in any illegal activity through the use\nof your account or engage in activity that is\ndeemed to be abusive or gaming conduct, as\ndetermined by us in our sole discretion.\nYou or we close your account for any reason; all\nearned but not paid cash back awards will be\nforfeited.\n\nCash back in this Program may not be used with any\nother offer, promotion or discount; cannot be earned from,\ntransferred to or combined with any other member\xe2\x80\x99s credit\ncard or debit card account(s) points for redemption; and\ncannot be used to satisfy any monthly minimum payment\nobligation on the cardholder\xe2\x80\x99s account. If for any reason\nyour SDFCU account is closed or you transfer your\n\n\x0coutstanding balance to another SDFCU Credit Card, you will\nforfeit your accrued but unpaid cash back balance\nimmediately, unless due to lost/stolen/compromised card.\nWe may, at our sole discretion, cancel, modify, restrict or\nterminate the Cash Back card awards or any aspects of the\nCash Back card at any time without prior notice. All\ninterpretations of these Cash Back rules shall be at our sole\ndiscretion. These terms and conditions do not apply to any\nother product offered by SDFCU.\nThe SDFCU Premium Cash Back+ rewards program\ncommenced March 30, 2018. This information is updated\nregularly and may have changed since you last checked. We\nwill notify you by posting a program termination date on\nour member-only web-site (online banking) and on your\naccount statement, as required by applicable law.\nSDFCU Premium Cash Back+ Promotional Offer\nYou will earn a $200 bonus if you spend $3,000 in eligible\npurchases within 90 days of your SDFCU Premium Cash\nBack+ Card enrollment date, which are not later returned,\ndisputed, or rescinded. The purchase requirements and\nexclusions that apply to cash back rewards also apply to the\n\nin your Rewards\nPortal after the billing cycle in which it was\nearned. Existing or previous SDFCU Premium\nCash Back+ Card members may not be eligible\nfor this onetime bonus. This promotional offer\napplies to new SDFCU Premium Cash Back+\nCards enrolled.\nbonus. The bonus will be available\n\n\x0c'