b'M-124394\n\nConsumer Credit Card Agreement and Disclosure Statement\nEffective Date 12/15/2018\n1.0: ISSUER. Your Zions First National Bank Card has been issued by Zions Bancorporation, N.A. dba Zions First National\nBank. Your Account is with Zions Bancorporation, N.A. (\xe2\x80\x9cBank\xe2\x80\x9d) and will be administered by the Bank\xe2\x80\x99s Bankcard Services\ndepartment. Your Credit Card, monthly statement, and other associated materials will bear the Zions First National Bank,\nNational Bank of Arizona, Nevada State Bank, or Vectra Bank Colorado name.\n1.1: THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bancorporation, N.A. that\ngoverns your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for your\ncredit card Account. This Consumer Credit Card Agreement includes the disclosures provided on the card carrier containing\nthe Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and constitutes your\nAgreement with us that covers your credit card Account. Review this Agreement carefully and keep it in your records.\n1.2: ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier of\n(a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to decline this\nAgreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by calling 1-888-7585349 or writing to the address on the carrier containing your Card.\n1.3: DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement and in\nyour monthly statement.\nBank: Means Zions Bancorporation, N.A., the issuer of your Card and holder of your Account.\nWe, us, and our: Refer to Bank.\nYou and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the\nprimary applicant and any co-applicant.\nAccount: Means your Visa or MasterCard credit card account, together with the associated account number, all that we grant\nunder that account, and all Card(s) issued and any Credit Card Checks made available under that account.\nCard Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.\nCard Application: Means your credit application for your Account.\nCard: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account.\nCredit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account.\nOutstanding Balance: Means the entire amount owing on your Account at any given time.\nCash Back: Is a cash-back program of Bank for certain types of Accounts.\nCredit Card Checks: Means checks that Bank may provide you to access your Account.\nMargin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank\xe2\x80\x99s\ndetermination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you\nuse your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of such\nchange.\n1.4: AMENDING THIS AGREEMENT. We may amend, add, or delete (i.e., \xe2\x80\x9cchange\xe2\x80\x9d) any term of this Agreement at any\ntime. We will notify you of any change, and any right to reject that change, as required by law. To reject a change, you must\ninform us in the manner and time period specified in our notice. We will then close your Account and you will be required to\npay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may obtain that consent\nfrom you verbally, in writing or electronically. Whether or not consent is required, any further use of your Account after the\neffective date of the change shall constitute your consent and acceptance. Unless a longer period is specified by law, a\nreasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be printed on, or enclosed\nwith, your monthly statement.\n1.5: CREDIT LIMIT. Your Account\xe2\x80\x99s initial Credit Limit appears on the carrier containing your Card. Your updated Credit Limit\nappears on each monthly statement. You must not use or allow others to use your Card or Account in a way that causes your\nOutstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Credit\nLimit. We may increase or decrease your Credit Limit at any time and will notify you of such change. You may request a\nchange in your Credit Limit by contacting us.\n2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can require\nyou to surrender your Card to us, or to any merchant or financial institution where you have presented the Card. The Card is\nnot valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any time. You may\nrequest additional Cards at no additional cost for family members or other persons that you authorize to use your Account,\nbut you remain responsible for all of their charges.\n3.0: USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card\nnetwork rules and the law, your Card and Account can be used for the following:\n\n\x0c3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted.\n3.2: Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any\nparticipating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank network or\nother participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances. Certain\ntransaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your Account to $500\n(or $2000 limit for Signature accounts) or less on any calendar day. Some ATMs have other limits. Based on risk, we may\nfurther limit cash advances in our sole discretion. We have no obligation to you to enforce such transaction limits, and you\nowe all cash advances made. Using your Card to withdraw cash from an ATM located outside of the United States will create\na cash advance from and charge to your credit card Account, even if you select withdrawal from a checking, savings, or other\ntype of account. \xe2\x80\x9dQuasi-cash transactions\xe2\x80\x9d such as using your Card for money orders, traveler\xe2\x80\x99s checks, foreign currency,\nlottery tickets, or gambling chips are treated as cash advances, not purchases.\n3.3: Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay off\nother debts to us. You may only make a balance transfer to pay accounts in your name. Allow 3 to 4 weeks to process your\nbalance transfer request. During that time, you should continue making payments to those accounts. Transaction Fees apply.\nYou will not earn any rewards points or cash back rebates on a balance transfer.\n3.4: Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check creates\na cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank\xe2\x80\x99s property and must be returned upon\nrequest. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You cannot stop\npayment on a Credit Card Check.\n4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account during\nthe preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing period, your\nminimum payment due, your payment due date (which is at least 25 days from the monthly statement closing date), and other\nimportant information. We send your monthly statement to only one address, even if the Account has multiple owners. See\nthe \xe2\x80\x9cBILLING RIGHTS SUMMARY\xe2\x80\x9d section near the end of this Agreement for important information (including the need to\npromptly review your monthly statement and report any errors).\n5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period\nappears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your monthly statement. The Outstanding Balance at the end of the previous billing period\nis called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d. The New Balance is determined by taking the Previous Balance and (1) subtracting any\npayments and credits received by us during the current billing period and then (2) adding any purchases, cash advances,\nbalance transfers, interest charges, fees, and other adjustments.\n6.0: PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments must\nbe drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all conversion fees,\nbank collection fees and other expenses we may incur. (Such fees and expenses are treated as purchases.) Do not send\ncash payments.\n6.1: Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received by\n5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in posting\nyour payment to your Account. Such delay may result in a late payment fee and additional interest charges.\n6.2: Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the New\nBalance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2) the greater\nof: (a) $30 plus any late payment fees, or (b) 2.5% of the New Balance plus interest charges and any late payment fees. (For\nVisa Signature Cards, in addition to the foregoing amounts, your minimum payment amount will include the full amount by\nwhich your New Balance exceeds your credit limit.) For all cards, making only the minimum payment will increase the\namount of interest you pay and the time it takes to repay your balance.\n6.3: Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid\ninterest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), and then to each\nsuccessive balance bearing the next higher APR until the payment is exhausted. Balances having the same APR will be paid\nbeginning with the oldest balance first. You must pay at least the minimum payment amount on your statement each month,\neven if you paid more than the minimum payment in an earlier month.\n6.4: Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement (such\nas \xe2\x80\x9cpaid in full\xe2\x80\x9d or \xe2\x80\x9cin settlement\xe2\x80\x9d). We can receive and credit your Account with the amount of any late payments, partial\npayments or payments with restrictive endorsements without losing or waiving our right to receive timely payment in full.\n6.5: Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk,\nhowever, we may delay when that payment increases your Account\xe2\x80\x99s available credit.\n6.6: Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty.\n7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and Fees and other disclosures are found on the\nTable at the end of this agreement associated with your Card. The card carrier containing your Card also includes disclosures\nspecific to your Card Account. The terms of these disclosures are incorporated by reference into this Agreement. Review\nthese disclosures carefully and keep in your records.\n\n\x0c8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not\nreceived at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this\nAgreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have furnished\nfalse or misleading information on the Card Application; (e) you are in default under any other obligations you may owe to us;\nor (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this Agreement. If your\nAccount is in default, we may declare the Outstanding Balance immediately due and payable, close your Account, and\nrecover all Cards and unused Credit Card Checks.\n9.0: ATTORNEYS\xe2\x80\x99 FEES; COLLECTION EXPENSES; VENUE IN UTAH. You agree to pay our reasonable collection\nexpenses, whether or not any court or arbitration proceedings are filed. Collection expenses include reasonable attorneys\xe2\x80\x99\nfees, the cost of Bank staff (including in house counsel), and out of pocket expenses (whether or not such expenses are\nawardable as \xe2\x80\x9ccourt costs\xe2\x80\x9d). Unless prohibited by law, you agree that we may bring legal action against you in the State of\nUtah, regardless of where you reside.\n10.0: INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the\nclosing of your Account.\n10.1: Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic\ninterest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly statement\nby the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer from the date of\nthat purchase and balance transfer transaction. For every cash advance we charge interest from the date of that transaction.\nThere is no grace period during which a cash advance can be repaid without incurring an interest charge.\n10.2: Periodic Interest Charge Calculation(s). The interest charged on purchase transactions and balance transfers is\ncalculated separately from the interest charged on cash advances. Those separately calculated interest amounts are then\ncombined to determine the total interest charged for the billing period. For each category of transactions, interest is calculated\nas follows. (1) First, we determine the \xe2\x80\x9caverage daily balance\xe2\x80\x9d by taking each day\xe2\x80\x99s beginning balance, adding any new\ntransactions, and subtracting any payments or credits. We do not add interest incurred during the billing period. The result is\nthe \xe2\x80\x9cdaily balance.\xe2\x80\x9d We then add all the daily balances for the billing period and divide by the number of days in the billing\nperiod. The result is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d (also called the \xe2\x80\x9cbalance subject to interest charge\xe2\x80\x9d on your monthly\nstatement). (2) Second, we multiply the average daily balance by the number of days in the billing period. That number is then\nmultiplied by the daily periodic rate (DPR) for that category of transactions. The resulting number is the interest charged for\nthat category of transactions. If you are charged interest, the minimum interest charge will be no less than $1.\n11.0: ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) AND DAILY PERIODIC RATE (\xe2\x80\x9cDPR\xe2\x80\x9d). The APR and DPR for all\ntransactions are variable rates. The APR for a particular billing period is the sum of the Bank\xe2\x80\x99s \xe2\x80\x9cPrime Rate\xe2\x80\x9d for that billing\nperiod plus a \xe2\x80\x9cMargin.\xe2\x80\x9d The applicable Margin depends on the type of transaction and the type of credit card Account. Daily\nperiodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). The APR and DPR on\nthe Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and for each category of\ntransactions, is disclosed in your monthly statement.\n11.1: \xe2\x80\x9cPrime Rate\xe2\x80\x9d and the \xe2\x80\x9cIndex\xe2\x80\x9d. The Prime Rate is equal to, and varies with, an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d). The\nIndex is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank\xe2\x80\x99s Prime Rate\nis the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar month in which\nthat billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the Index becomes\nunavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the amount of your\nminimum payment, will increase or decrease as the Index and Bank\xe2\x80\x99s Prime Rate increase or decrease. The resulting\nchanges in your APR and DPR will take effect on the first day of your billing cycle the following month. You acknowledge that\nthe Bank\xe2\x80\x99s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its customers, now or in the\nfuture.\n11.2: Military Lending Act (MLA). The Military Lending Act provides protections for members of the Armed Forces and their\ndependents.\n11.2.1: Statement of MAPR (Military Annual Percentage Rate). Federal law provides important protections to members of\nthe Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\n11.2.2: Oral Disclosures. Before accepting this Agreement, in order to hear important disclosures and payment information\nabout this Agreement, you may contact us at 1-844-210-3601.\n11.2.3: Applicability of Dispute Resolution Provision. The Jury Waiver, Class Action Waiver, and Arbitration Agreement in\nthe Dispute Resolution Provision set forth in this Agreement do not apply to Covered Borrowers.\n12.0: ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the carrier\ncontaining your card.\n\n\x0c12.1: Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when assessed,\nand added to the balance of the transaction.\n12.2: Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the balance of\nthe transaction.\n12.3: Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we\ncharge a late payment fee.\n12.4: Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because it\ncannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item.\n12.5: Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and\nevery twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in the\nTable that appears on the carrier containing your Card.\n12.6: International Transaction Fee. Each international transaction will be assessed a fee of the U.S. dollar amount of the\ntransaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars from a\nforeign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars amount by Visa\nInternational or MasterCard International Incorporated (as applicable) using its procedures in effect at the time. Under current\nprocedures, the foreign currency conversion rate is either a wholesale market rate or a government mandated rate in effect\none day prior to the date the transaction is processed by Visa or MasterCard. The currency conversion rate in effect on the\nprocessing date may differ from the rate in effect on the transaction date or the posting date. This fee is added to the balance\nof the transaction.\n12.7: Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge you a\nresearch fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item.\n12.8: Expedited Card Delivery Fee and Emergency Card Fee. We may charge a fee if you request \xe2\x80\x9cexpedited delivery\xe2\x80\x9d of\na Card that requires an outside delivery service provider. We may also charge a fee if you request to personally obtain an\n\xe2\x80\x9cemergency Card\xe2\x80\x9d at our Bankcard Center that requires special card production. The current amounts of these fees will be\ndisclosed at the time of your requests and before you agree to incur the charges. These fees are charged to your Account as\na purchase.\n13.0: ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD:\n13.1: Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit\nappears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that\nwould at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance\neven if it exceeds your Credit Limit. The Bank may decrease your Credit Limit at any time and will notify you of such change.\nIn addition, you may request a change in your Credit Limit by writing to the address shown on your monthly statement or by\ncalling 1-800-494-1698.\n13.2: Transfers: Not available on all Visa Signature cards, for cards with transfer capability the Card may be used at the\nATMs described above to make electronic transfers to or from your checking account, savings account or other consumer\nasset account you may have at the Bank (subject to the Bank\'s rules, regulations and agreements governing such accounts,\nwhich you should have already received and which are incorporated herein). You may request copies of these materials by\ncalling 1-888-758-5349. Transfers from your Card Account to your checking account, savings account or other consumer\nasset account will be treated as a cash advance subject to a Cash Advance Transaction Fee.\n13.3: No Pre-Set Spending Limit: This Section 13.3 applies ONLY if you have a Visa Signature credit card OTHER\nTHAN the AmaZing Rewards\xc2\xae Signature or AmaZing Cash\xc2\xae Signature credit card. There is no pre-set spending limit on\nyour card; no pre-set spending limit does not mean unlimited spending. You agree to pay in full each month any amount that\nexceeds your Credit Limit. Each transaction that causes your new balance to exceed your Credit Limit will be evaluated for\napproval based on factors such as card fraud, account history, revolving balances, payment history, credit record, prior cash\nadvances, and safety and soundness considerations.\n14.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have given the Bank a\nsecurity interest in a savings account at the Bank to secure payment of your Account. If you withdraw your funds from the\nsavings account, the Bank has the right to close your Account.\n15.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and individually\nliable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may send all monthly\nstatements and other notices to any one of you. Such monthly statements and notices shall be deemed received by each and\nall of you.\n16.0: INTERPRETATION; EFFECT.\n16.1: Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is\nclosed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is\npaid in full.\n16.2: Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or\nintention of any portion of this Agreement.\n\n\x0c16.3: Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be\ncontradicted with evidence of any alleged oral agreement.\n16.4: Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain\nenforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.\n16.5: Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not be\ndeemed to release, waive, impair or discharge those rights or obligations.\n16.6.: Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior written\npermission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you. This\nAgreement shall be binding upon the parties\xe2\x80\x99 heirs, representatives, successors, and assigns.\n16.7: GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED IN\nACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, REGARDLESS OF\nPRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD.\n17.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa\nU.S.A., MasterCard, its Members, or their respective contractors for the purpose of providing the services described in this\nAgreement, or emergency cash and emergency card replacement services.\n18.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account, Card\nor Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to conduct\ntransactions in any country or territory, or with any individual or entity, that is subject to economic sanctions administered and\nenforced by the U.S. Department of the Treasury\'s Office of Foreign Assets Control (OFAC); or (d) to gamble on the Internet.\nDisplay of a Visa logo, MasterCard logo, or other payment system logo by any person (e.g., an online merchant), or\nacceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, your\nAccount or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we believe\nmay be prohibited under this section. We may also block use of your Card in countries or territories subject to OFAC\nsanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.\n19.0: AGREEMENT TO PAY. You agree to timely pay your Outstanding Balance, regardless of whether the charges were\nincurred for personal, family, household, or business purposes. Your liability includes all charges made by all persons you\npermitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check -- even if you were\nunaware of the charges or they caused you to exceed your Credit Limit.\n20.0: LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number, or Credit Card Checks are lost or stolen, or if\nyou think that someone used or may use them without permission, you agree to notify the Bank immediately by calling 1-888758-5349. You may need to provide the Bank with certain information in writing to help the Bank determine what happened.\nYou are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you notify the Bank\nof any fraudulent transactions.\n20.1: Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if you\nnotify the Bank within two business days. In any case, your liability will not exceed $50.\n21.0: REFUSAL TO HONOR TRANSACTIONS. We are not responsible or liable for any claim arising from or related to: (a)\nthe refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or Credit Card\nCheck; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent provided in\n\xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior credit\nauthorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to use the\nCard in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order.\n22.0: FINANCIAL AND CREDIT INFORMATION.\n22.1: Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card Application.\n22.2: Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations\nabout you, and to disclose to others credit information about your Account and your performance under this Agreement. We\nmay ask credit bureaus for reports of your credit history. At your request, we will tell you whether or not we have requested\nsuch reports, and the names and addresses of the credit bureaus furnishing the reports. We may act through our agents, who\nmay act in our name or their own names.\n22.3: Negative Credit Reporting. You are hereby notified and agree that we may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in\nyour credit report. We may report through our agents (including but not limited to Zions Management Services Company)\nwho may act in our name or their own names. Please notify us if we report any inaccurate information about your Account(s)\nto a credit bureau. Your written notice describing the specific inaccuracy should be sent to us at the following address: Zions\nBank, Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125-0787.\n23.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home\naddress, or mailing address. Until you notify us of updated information, we can send statements, notices and other\n\n\x0ccommunications to the name and address in our records, and they will be deemed effectively delivered for all purposes. If\nyour mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can suspend\nmailing your statements, notices, and other communications until a valid address is received from you.\n24.0: CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing. We may close your\nAccount at any time without cause and without notice. When your Account is closed (whether by you or us), your right to use\nthe Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact\neveryone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.) to\ncancel future transactions. Such transactions may continue to be charged to your Account until you change the billing, and\nyou will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your Account\nafter you have requested to close your Account, we may (but are not required) allow the transaction to be charged to your\nAccount and you will be liable for the charges.\n25.0: VISA ACCOUNT UPDATER. Card accounts are automatically enrolled in the Visa Account Updater (VAU) feature\nrequired by Visa. This feature enables the electronic exchange of account information between Visa and participating\nmerchants to support payment continuity with credential-on-file merchants. Visa will securely provide updated credit card\ninformation when your Card is re-issued for any reason or is closed. Updates are not guaranteed before the next billing cycle;\nthe Bank is not responsible for late, missed, or recurring payments. To opt-out of the Visa Account Updater feature for your\ncard account, please contact the Bank by calling the number on the back of your card.\n26.0: DISPUTE RESOLUTION PROVISION.\nThis Dispute Resolution Provision contains a jury waiver, a class action waiver, and an arbitration agreement (or\njudicial reference agreement, as applicable), set out in four Sections. READ IT CAREFULLY. No portion of this Dispute\nResolution section shall be interpreted or applied in a manner prohibited by governing law, but all other portions shall remain\nin effect. Without limitation, no portion of this Dispute Resolution section shall require arbitration or other non-judicial\nprocedure to resolve any controversy or settle any claim arising out of any consumer credit transaction that is secured by a\ndwelling (including a home equity line of credit secured by the consumer\xe2\x80\x99s principal dwelling). The jury waiver, class action\nwaiver, and arbitration agreement in this Dispute Resolution provision do not apply to you if, as of the date of this\nagreement, you are a member of the Armed Forces or a dependent of such member entitled to protection under the\nFederal Military Lending Act.\n\nSECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES.\n26.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall\nsupersede and replace any prior \xe2\x80\x9cJury Waiver,\xe2\x80\x9d \xe2\x80\x9cClass Action Waiver,\xe2\x80\x9d \xe2\x80\x9cArbitration,\xe2\x80\x9d \xe2\x80\x9cJudicial Reference,\xe2\x80\x9d \xe2\x80\x9cDispute\nResolution,\xe2\x80\x9d or similar alternative dispute agreement or provision between or among the parties.\n26.1.2: \xe2\x80\x9cDISPUTE\xe2\x80\x9d DEFINED. As used herein, the word \xe2\x80\x9cDispute\xe2\x80\x9d includes, without limitation, any claim by either party\nagainst the other party related to this Agreement, your Account, any transaction in your Account, any Card or a Credit Card\nCheck. \xe2\x80\x9cDispute\xe2\x80\x9d includes, but is not limited to, matters arising from or relating to a deposit account, an application for or\ndenial of credit, warranties and representations made by a party, the adequacy of a party\xe2\x80\x99s disclosures, enforcement of any\nand all of the obligations a party hereto may have to another party, compliance with applicable laws and/or regulations,\nperformance or services provided under any agreement by a party, including without limitation disputes based on or arising\nfrom any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a party hereto.\nIf a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior lienholder or\ntitle company), each party hereto agrees to consent to including that third party in any arbitration or judicial reference\nproceeding for resolving the Dispute with that third party.\n26.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in connection with\nany Dispute. All Disputes shall be decided by a judge sitting without a jury, unless submitted to binding arbitration pursuant\nto Section 2 or judicial reference pursuant to Section 3.\n26.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICIAL REFERENCE (A) IF A CONSUMER PARTY\nREQUESTS, OR (B) IF THE JURY TRIAL WAIVER IS NOT ENFORCED. A party who (in context of the Dispute) is a\nconsumer may timely elect to require that the Dispute be submitted as applicable to binding arbitration under Section 2 hereof\nor binding judicial reference under Section 3 hereof. In addition, if this Agreement\xe2\x80\x99s jury waiver is unenforceable by law, or\notherwise not enforced by a court exercising jurisdiction over the Dispute, then all parties hereby agree that the Dispute shall\nbe timely submitted as applicable to binding arbitration under Section 2 or binding judicial reference under Section 3. BY\nAGREEING TO RESOLVE SPECIFIED FUTURE DISPUTES IN ARBITRATION OR BY JUDICIAL REFERENCE, THE\nPARTIES ARE WAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN COURT.\n\n\x0cIn any lawsuit regarding a Dispute (a \xe2\x80\x9cLawsuit\xe2\x80\x9d), following the service of a complaint, third-party complaint, cross-claim or\ncounterclaim or any answer thereto, any amendment to any of the above, or a ruling or entry of an order that has the effect of\ninvalidating this Agreement\xe2\x80\x99s jury trial waiver (any of the foregoing, an \xe2\x80\x9cADR Event\xe2\x80\x9d), then at any time prior to trial of the\nDispute, but not later than 30 days after the ADR Event, any party shall be entitled to move the court for an order (on the\ngrounds set forth in the preceding paragraph) compelling arbitration under Section 2 or judicial reference under Section 3, as\napplicable, and staying or dismissing the Lawsuit pending such arbitration or judicial reference (an \xe2\x80\x9cADR Order\xe2\x80\x9d). A party that\ncommenced or participated in the Lawsuit may nevertheless demand arbitration or judicial reference of a Dispute after an\nADR Event. Commencement or participation in the Lawsuit shall not operate as a waiver of the right to compel arbitration or\njudicial reference. After entry of an ADR Order, the non-moving party shall commence the arbitration or judicial reference. The\nmoving party shall, at its discretion, also be entitled to commence arbitration or judicial reference but is under no obligation to\ndo so, and the moving party shall not in any way be adversely prejudiced by electing not to commence arbitration or judicial\nreference.\n26.1.5: CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate any Dispute as a\nclass action (either as a member of a class or as a representative) or to act as a private attorney general. The waiver\nin this paragraph applies whether the proceeding is in a court, in an arbitration, or in a judicial reference proceeding.\nThis Agreement includes an arbitration agreement, which will have a substantial effect on your rights in the event of\na dispute with us. For example, if we elect to require you to arbitrate any claim, you will not have the right to a jury\ntrial or the right to participate in a class action in court or in arbitration. However, the arbitration agreement does not\napply if, as of the date of this agreement, you are a member of the armed forces or a dependent of such member\ncovered by the Federal Military Lending Act. Please see the section of this agreement labeled \xe2\x80\x9cMilitary Lending Act.\xe2\x80\x9d\n26.1.6: SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or expiration of this\nAgreement, or any other relationship between the parties.\nSECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO ARBITRATION. This Section 2 governs Disputes\nthat are submitted for binding arbitration under subsection 26.1.4. This Section 2 shall not apply to any Dispute that is\npending in a state or federal court located in the State of California, except to the extent such Dispute may also be pending in\na state or federal court located outside of California. An arbitrator shall have no authority to determine the validity,\nenforceability, meaning and scope of this Dispute Resolution Provision, or (ii) class action claims brought by either party as a\nclass representative on behalf of others, or by a class representative on either party\xe2\x80\x99s behalf as a class member, which\nmatters may be determined only by a court without a jury.\nArbitration under this provision shall be conducted before a single arbitrator through either the National Arbitration Forum\n(\xe2\x80\x9cNAF\xe2\x80\x9d) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the initiating party, in accordance with the\nrules of NAF or JAMS (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). However, if the parties agree, a licensed attorney may be selected by the parties\nto conduct the arbitration without an Administrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and\nif the parties are unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then either\nparty may file a Lawsuit and move for an ADR Order. The arbitrator, howsoever appointed, shall have expertise in the subject\nmatter of the Dispute. Venue for the arbitration proceeding shall be as stated elsewhere in this Agreement with respect to any\njudicial proceedings between the parties. Absent such a provision, the arbitration shall be conducted at a location determined\nby mutual agreement of the parties or by the Administrator if no agreement can be reached. The arbitrator shall apply the law\nof the state specified in the agreement giving rise to the Dispute.\nIn any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay one half of the\nAdministrator\'s initial filing fee, up to $500. If Lender or Bank commences arbitration or is the moving party obtaining an ADR\nOrder, Lender or Bank shall pay all Administrator and arbitrator fees, regardless of whether or not the consumer is the\nprevailing party in such arbitration, unless such Dispute involves a claim for damages by a consumer and is found by the\narbitrator to be frivolous. For this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than $75,000.\nThe Administrator and the arbitrator shall have the authority, to the extent practicable, to take any reasonable action to\nrequire the arbitration proceeding to be completed within 180 days of commencing the arbitration. The arbitrator: (i) will render\na decision and any award applying applicable law; (ii) will hear and rule on appropriate dispositive motions for judgment on\nthe pleadings, for failure to state a claim, or for full or partial summary judgment; (iii) will give effect to any statutory or\ncontractual limitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall have the\nauthority to impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the\narbitrator, including, without limitation, the sanction of entering a final award against the party that fails to comply; (v) shall\nhave authority to award costs and fees (including attorneys\' fees and costs, arbitration administration fees and costs, and\narbitrator(s)\' fees) to the extent permitted by law; (vi) shall recognize and honor claims of privilege recognized at law; and (vii)\nwith regard to motions and the arbitration hearing, shall apply the Federal Rules of Evidence. The doctrines of compulsory\ncounterclaim, res judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder.\n\n\x0cCommencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and obtaining from a\ncourt of competent jurisdiction (notwithstanding ongoing arbitration) provisional or ancillary remedies including but not limited\nto injunctive relief, temporary restraining orders, property preservation orders, foreclosure, sequestration, eviction,\nattachment, replevin, garnishment, and/or the appointment of a receiver; or (ii) availing itself of any self-help remedies such\nas setoff and repossession rights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a\nwaiver of the right to submit any Dispute to arbitration.\nJudgment upon an arbitration award may be entered in any court having jurisdiction except that, if the arbitration award\nexceeds $200,000, any party shall be entitled to a de novo appeal of the award before a panel of three arbitrators. To allow\nfor such appeal, if the award (including Administrator, arbitrator, and attorney\xe2\x80\x99s fees and costs) exceeds $200,000, the\narbitrator will issue a written, reasoned decision supporting the award, including a statement of authority and its application to\nthe Dispute. A request for de novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration\naward; if such a request is not made within that time period, the arbitration award shall become final and binding. On appeal,\nthe arbitrators shall review the award de novo, meaning that they shall reach their own findings of fact and conclusions of law\nrather than deferring in any manner to the original arbitrator. Appeal of an arbitration award shall be pursuant to the rules of\nthe Administrator; if the Administrator has no such rules, then the JAMS arbitration appellate rules shall apply.\nTo request information on how to submit an arbitration claim, or to request a copy of an Administrator\xe2\x80\x99s rules or fee schedule,\nplease contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, Irvine, CA 92614, Phone: (949) 224-1810,\nFax: (949) 224-1818, E-mail: info@jamsadr.com, Website: www.jamsadr.com; NAF: National Arbitration Forum, P.O.\nBox 50191, Minneapolis, MN 55405-0191, Phone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com.\nArbitration under this provision concerns a transaction involving interstate commerce and shall be governed by the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7 1 et seq. If the terms of this Section 2 vary from the Administrator\xe2\x80\x99s rules, this Section 2 shall\ncontrol.\nSECTION 3: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO JUDICIAL REFERENCE. This Section 3 governs\nDisputes that are submitted under subsection 26.1.4 for judicial reference in accordance with California Code of Civil\nProcedure, Section 638, et seq. This Section 3 may be invoked only with regard to Disputes filed in state or federal courts\nlocated in the State of California. In no event shall this Section 3 diminish the force or effect of any venue selection or\njurisdiction provision in this Agreement or any Related Document. Nothing herein shall preclude a party from moving (prior to\nthe court ordering judicial reference) to dismiss, stay or transfer the suit to a forum outside California on grounds that\nCalifornia is an improper, inconvenient or less suitable venue. If such motion is granted, this Section 3 shall not apply to any\nproceedings in the new forum.\nThe referee shall be a retired judge, agreed upon by the parties, from either the American Arbitration Association (AAA) or\nJudicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot agree on the referee, the party who initially\nselected the reference procedure shall request a panel of ten retired judges from either AAA or JAMS, and the court shall\nselect the referee from that panel. If AAA and JAMS are unavailable to provide this service, the court may select a referee by\nsuch other procedures as are used by that court. The referee shall be appointed to sit with all of the powers provided by law,\nincluding the power to hear and determine any or all of the issues in the proceeding, whether of fact or of law, and to report a\nstatement of decision. Only for this Section 3, \xe2\x80\x9cDispute\xe2\x80\x9d includes matters regarding the validity, enforceability, meaning, or\nscope of this Section, and class action claims brought by either party as a class representative on behalf of others and claims\nby a class representative on either party\xe2\x80\x99s behalf as a class member. The parties agree that time is of the essence in\nconducting the judicial reference proceeding set forth herein. Except as otherwise provided in this paragraph, the costs of the\njudicial reference proceeding, including the fee for the court reporter, shall be borne equally by the parties as the costs are\nincurred, unless otherwise awarded by the referee. If Lender or Bank commences a judicial reference proceeding regarding a\nconsumer Dispute, Lender or Bank shall pay all referee fees, regardless of whether or not the consumer is the prevailing\nparty in such proceeding, unless such Dispute involves a claim for damages by a consumer and is found by the referee to be\nfrivolous. For purposes of this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than $75,000.\nThe referee shall hear all pre-trial and post-trial matters (including without limitation requests for equitable relief), prepare a\nstatement of decision with written findings of fact and conclusions of law and apportion costs as appropriate. The referee shall\nbe empowered to enter equitable relief as well as legal relief, provide all temporary or provisional remedies, enter equitable\norders that are binding on the parties and rule on any motion that would be authorized in a trial, including without limitation\nmotions for summary adjudication. Judgment upon the award shall be entered in the court in which such proceeding was\ncommenced and all parties shall have full rights of appeal. This provision will not be deemed to limit or constrain Lender\xe2\x80\x99s or\nBank\xe2\x80\x99s right of offset, to obtain provisional or ancillary remedies, to interplead funds in the event of a dispute, to exercise any\nsecurity interest or lien Bank or Lender may hold in property, or to comply with legal process involving accounts or other\nproperty held by Bank or Lender.\n\n\x0cSECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not\nseek to enforce a jury waiver, class action waiver, arbitration provision or judicial reference provision in the event of suit, and\n(ii) acknowledges that it and the other party have been induced to enter into this Agreement by, among other things, material\nreliance upon the mutual waivers, agreements, and certifications in the four Sections of this DISPUTE RESOLUTION\nPROVISION.\n27.0: BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank\'s\nresponsibilities under the Fair Credit Billing Act.\n27.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more\ninformation about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights\nSummary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the first\nbill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we will not\nbe required to investigate any potential errors. In your letter, include the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The date and dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error, and explain if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\nIf you have authorized us to pay your Account automatically from your savings or checking account or you have authorized an\nautomatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop the payment your\nletter must reach us three business days before the automatic payment is scheduled to occur.\n27.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter\nwithin 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue\nto bill you for the amount you question, including interest charges, and we can apply any unpaid amount against your Credit\nLimit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of\nyour bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges related\nto any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay interest charges, and you will have to make any\nmissed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the\ndate that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to\nthat you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect\nthe first $50 of the questioned amount, even if your bill was correct.\n27.3: Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be\ntrue:\n(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that access your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nBankcard Services\nP.O. Box 25787\nSalt Lake City, UT 84125-0787\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRevised 12/1/2018\n\nM-124394\n\nA division of Zions Bancorporation, N.A. Member FDIC\n\n\x0cADDENDUM 1 \xe2\x80\x93 Disclosure Statement for Zions Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Zions Bank credit cards: Executive Banking Visa\nSignature Credit Card.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 9.99%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nPrime Rate + 9.99%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 16.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When It\nApplies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\nFees\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nAnnual Account Fee\n\n$95 (waived for the first year for Executive Banking clients)\n\nTransaction Fees:\n\xe2\x96\xaa\n\nBalance Transfer from\nExisting Zions Account\n\nNone\n\n\xe2\x96\xaa\n\nAll Other Balance Transfers\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $25\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement\nfor more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0c'


b'VISA LINE OF CREDIT AGREEMENT\nThe purpose of this agreement is to establish the terms and conditions of your\ncredit card agreement with McCoy Federal Credit Union. In this agreement,\nthe words "you" and "your" mean any person receiving and using the card and\nthat by using the card for the first time "you" agree to all terms and conditions\nin this agreement. "Card" means a VISA credit card and any duplicates and\nrenewals the Credit Union issues. "Account" means your VISA credit card line\nof credit account with the Credit Union. "Credit Union," "we," "us," and "our"\nmean McCoy Federal Credit Union. You must be a member of the Credit\nUnion to apply for a credit card.\nExcept to the extent that Federal Law is applicable, the validity, construction\nand enforcement of this agreement and all matters arising out of the issuance\nand use of the Card shall be governed by the laws of the State of Florida.\nUSING THE ACCOUNT/CREDIT LIMIT: Upon your approval for an account,\nthe Credit Union will establish a line of credit for you. Notification of your limit\nwill be made when the card is sent to you. You agree not to let your account\nbalance exceed your approved credit limit. Any transaction that would result in\nexceeding your credit limit will be declined.\nRESPONSIBILITY: You promise to pay any and all charges incurred by you\nor any person whom you authorize to use the Credit Card issued to you, and\nany fees or charges incurred in the recovery of a credit card, retrieval of\ntransaction data or collection of this account in accordance with the terms and\nconditions issued by VISA International, Inc., and in accordance with the\npolicies established by the Credit Union.\nYour obligation to pay the amount owed on your account continues until paid\nin full even though an agreement, divorce decree or other court judgement to\nwhich the Credit Union is not a party may direct someone else to pay the\naccount balance.\nJOINT ACCOUNT: If more than one person applies for the card each is\nindividually responsible for all amounts owed on the account and are jointly\nand severally responsible for all amounts owed. This means the Credit Union\ncan enforce this agreement against any of you individually or all of you\ntogether. Each may obtain credit advances without the knowledge of the other\nand both are obligated to repay all advances made to the account.\nYou agree to notify the Credit Union of any address change.\nUSING THE CARD: You may use the card issued to you to make purchases\nin person, and by mail or telephone from merchants and others who accept\nVISA cards. You may also obtain cash advances from the Credit Union, from\nother financial institutions participating in the VISA program and from\nautomated teller machines (ATM\'s), that provide access to the VISA system.\nYour VISA Personal Identification Number (PIN) is needed to obtain a cash\nadvance from an ATM.\nINTEREST CHARGES: The monthly periodic rate assessed on your account\nis based on an Annual Percentage Rate corresponding to the type of card\naccount and your Beacon credit score. Your Annual Percentage Rate is\nvariable and will increase or decrease if the Prime Rate as published in the\nWall Street Journal ("Index") increases or decreases. We figure the Interest\nCharge by applying a periodic rate, which corresponds to the Annual\nPercentage Rate, to the Average Daily Balance. The Average Daily Balance is\ndetermined as follows: For Purchases: The "Average Daily Balance" for\nPurchases is determined by adding all the outstanding advance balances and\nbilled but unpaid interest charges for each calendar day of the billing period,\nand then subtracting all payments, credits and cash advances for the billing\nperiod in which they were made, and then dividing the total by the number of\ndays in that billing period. For Cash Advances: Each daily balance of Cash\nAdvances is determined by adding to the outstanding unpaid balance of Cash\nAdvances at the beginning of the billing cycle any new Cash Advances posted\nto your account, and subtracting any payments as received or credits as\nposted to your account, but excluding any unpaid Interest Charges. The\nperiodic rate and corresponding Annual Percentage Rate for each type of card\naccount is shown on your Truth-in-Lending Statement.\n\nHow to Calculate the Interest Charge: The Interest Charge is calculated at\nthe Annual Percentage Rate disclosed on your Truth- in-Lending Statement\n(or as amended from time to time) on the average daily balance of purchase\nand cash advances you make, and any debit adjustments the credit union\nmakes, during the billing cycle. The daily balances are totaled, and divided by\nthe number of days in the billing cycle to produce separate average daily\nbalances for purchases, cash advances, and balance transfers to which the\nperiodic rate is then applied. If your card has a grace period for purchases or\nbalance transfers and you pay the full amount of the New Balance of\nPurchases or New Balance of Balance Transfers within that grace period, the\namount for the applicable type of balance will not be added to the average\ndaily balance. For Purchases, Cash Advances, or Balance Transfers with no\ngrace period, interest charges will continue to accrue until the date of\npayment. For Purchases or Balance Transfers with a grace period, interest\ncharges will continue to accrue until the date of the billing cycle preceding the\ndate on which the entire New Balance is paid in full, if paid within the grace\nperiod; otherwise, interest charges will continue to accrue until the date of\npayment.\nCross Collateral: If you have other loans with us, or take out other loans with\nus in the future, collateral securing those loans will also secure your\nobligations under this agreement. However, unless you expressly agree\notherwise, no dwelling secures your obligation under this agreement.\nFEES AND CHARGES: You agree to pay any and all fees that you incur in\nconnection with your Card, in accordance with applicable law, in the amounts\nset forth on your Truth-in-Lending Statement, which fees and amounts may be\namended from time to time.\nMONTHLY PAYMENTS: Each payment you make on the account will restore\nyour credit limit by the amount of the payment which is applied to the principal\namount of purchases and cash advances. At any time your total new balance\nexceeds your credit limit, you must immediately pay the amount over your\ncredit limit.\nA PAYMENT IS REQUIRED EACH MONTH; therefore, you must pay at least\nthe minimum payment shown on your statement by the date specified on your\nmonthly statement. You can repay any outstanding balance prior to maturity in\nwhole or in part at your option without penalty. Your monthly payment must\nbe made directly to:\nMcCoy Federal Credit Union\nP.O. Box 593806\nOrlando, FL 32859- 3806\n\nOR\n\nMcCoy Federal Credit Union\n(credit card remittance statement required)\nP.O. Box 96099\nCharlotte, NC 28296-0099\n\nThe minimum periodic payment required is disclosed on your Truth-in-Lending\nStatement.\nCREDIT BALANCES: If there is a credit balance due, you may request it.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\n\nGrace Periods: You can avoid interest charges on purchases and balance\ntransfers by paying the full amount of the New Balance of Purchases or New\nBalance of Balance Transfers each month within 25 days of your statement\nclosing date ("Grace Period"). There is no time period within which to pay to\navoid an interest charge on cash advances and interest will accrue from the\ndate they are posted to your account.\n\nLASER ML FI12489 Rev 11-2015\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cVISA LINE OF CREDIT AGREEMENT\nDEFAULT: You will be in default under this agreement if you fail to make any\nminimum payment or other required payment by the date that it is due. You\nwill be in default if you break any promise you make under this agreement.\nYou will be in default if you die, file for bankruptcy or become insolvent, that is,\nunable to pay your obligations when they become due. You will be in default if\nany attachment or garnishment proceedings are initiated against you or your\nproperty. You will be in default if you default on any other indebtedness to the\nCredit Union. You will be in default if you make any false or misleading\nstatement in any credit application or credit update. You will also be in default\nif something happens which the Credit Union believes may substantially\nreduce your ability to repay what you owe. When you are in default, the Credit\nUnion has the right to demand immediate payment of your full account\nbalance without notice. If immediate payment is demanded, you will continue\nto pay Interest Charges, at the periodic rate charged before default, until what\nyou owe has been paid, and any shares that were given as security will be\napplied towards what you owe. You agree to pay reasonable collection\nexpenses, including card recovery fees, attorney fees, court costs, and/or\ncollection agency fees and costs. If you are head of household, in the event of\ndefault, you grant us permission to garnish head of family earnings in\naccordance with Florida law if collection proceedings are brought against you.\nNo failure or delay by the Credit Union in exercising any rights, powers, and\nremedies under this agreement of provided by law shall be deemed a waiver\nthereof.\n\nCHANGING OR TERMINATING YOUR ACCOUNT: You agree that the Credit\nUnion may change the terms of this agreement from time to time as permitted\nby applicable law after giving you any advance notice required by law at your\nlast known address. Your use of the card after receiving notice of a change\nwill also indicate your agreement to the change, unless applicable law\nrequires otherwise.\n\nRESTRICTION ON CASH ADVANCES: Your outstanding cash advance\nbalance may not exceed 50% of your Credit Limit. We may refuse a cash\nadvance if it would cause the cash advance balance to exceed this amount.\n\nFOREIGN TRANSACTIONS: The exchange rate for international transactions\nwill be a rate selected by VISA from the range of rates available in wholesale\ncurrency markets, which may vary from the rate VISA itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date,\nplus an amount determined by us and disclosed on your Truth-in-Lending\nStatement.\n\nCREDIT INFORMATION: You understand that the Credit Union will review\nyour accounts periodically, and you hereby give your permission to and\nauthorize the Credit Union to investigate and reassess your creditworthiness.\nYou authorize the Credit Union to obtain information concerning your credit\nhistory from all available sources now and in the future. You authorize the\nCredit Union to disclose information regarding your account to credit bureaus\nand creditors who inquire about your credit standing.\nIF YOUR CARD IS LOST OR STOLEN OR IF ANY UNAUTHORIZED USE\nOCCURS: You agree to notify us immediately if your Card is ever lost or\nstolen or if an unauthorized use may have occurred. "Unauthorized use"\nmeans the use of the Card by someone other than you who does not have\nactual, implied or apparent authority for such use, and from which you receive\nno benefit. The telephone number to call is 1-800-449-7728. You agree to\nfollow up your call with notice in writing to us at: McCoy Federal Credit Union,\nP.O. Box 31552, Tampa, FL 33631-3552. You also agree to assist us in\ndetermining the facts, circumstances and other pertinent information relating\nto any loss, theft or possible unauthorized use of your Card and comply with\nsuch procedures as we may require in connection with our investigation. You\nwill be liable for any unauthorized use only if we can prove that you were\ngrossly negligent in your use or handling of your Card, or if we can prove that\nyou used the card fraudulently.\nPLAN MERCHANT DISPUTES: We are not responsible for the refusal of any\nplan merchant or financial institution to honor your card. Also, we are not\nresponsible for goods or services you purchase with the card unless (a) your\npurchase was made in response to an advertisement we sent or participated\nin sending you; (b) your purchase cost $50.00 or more and was made from a\nplan merchant in your state or within 100 miles of your home; and you have\nmade a good faith attempt, but have been unable to obtain satisfaction from\nthe plan merchant. You must resolve all other disputes directly with the plan\nmerchant.\n\nYou may request an increase in your credit limit either by written application\nor by phone.\nThe Credit Union has the right to reduce or terminate your credit limit at any\ntime. You understand and acknowledge that such action shall not affect your\nobligation to pay any outstanding balance PLUS any interest and other\ncharges you owe under this agreement. Accounts that have been inactive for\none (1) year may be subject to termination at the renewal date, subject to\napplicable law.\nThe card(s) you receive remain the property of the Credit Union and you must\nrecover and surrender to the Credit Union ALL cards upon request or upon\ntermination of this agreement whether by you or the Credit Union.\nRETURNS AND ADJUSTMENTS: Merchants who honor your card will give\nyou credit for returns or adjustments by sending us a credit slip which we shall\npost to your Plan. If your credits and payments exceed what you owe us, we\nwill hold this credit balance against future purchases or refund it to your share\naccount upon your written request (if it is $1.00 or more).\n\nEFFECT OF AGREEMENT/WAIVER: This agreement is the contract which\napplies to all transactions on your account even though the sales, cash\nadvances, credit or other slips you sign or receive may contain different terms.\nThe Credit Union can delay enforcing any of its rights any number of times\nwithout losing them. Each provision of this agreement must be considered as\npart of the total agreement and cannot in any way be severed from it.\nHowever, you also agree that should any part of this agreement be found\ninvalid, it will in no way affect the remainder of the agreement.\nSTATEMENT AND NOTICES: You will receive a statement each month\nshowing transactions on your account. You are responsible for your minimum\nmonthly payment even in the event your statement is late or returned to the\nCredit Union. Statements and notices will be mailed to you at the most recent\naddress you have given the Credit Union. Notice to any one of you will be\nconsidered notice to all.\nPERSONAL IDENTIFICATION NUMBER(PIN): We will furnish you with a\nPersonal Identification Number (PIN). You agree to keep the PIN secret. You\nalso agree you won\'t write the PIN on the Card or anything you keep with the\ncard. Your use of the PIN and card in getting a cash advance or making a\npurchase is agreed to constitute your signature for purposes of such\ntransaction.\nYou may use your McCoy Federal Credit Union VISA Card to conduct any\ntransaction or obtain any credit union service permitted by law. You agree that\nthe use of the VISA Card to obtain a service or effect a transaction that is\nillegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this agreement. McCoy Federal\nCredit Union may terminate the access to the service or withdraw the right to\nuse the VISA Card and/or demand the return of all VISA Cards or other\naccess devices issued to you. If illegal use of your VISA Card occurs, you\nwaive the right to sue McCoy Federal Credit Union, and agree to indemnify\nand hold McCoy Federal Credit Union harmless from any suits or other legal\naction or liability which may be asserted, directly or indirectly, again McCoy\nFederal Credit Union arising out of or resulting from your illegal use of the\nVISA Card.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\n\x0cYOUR 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\x0c'