b'Interest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nSHCLR-D-0120 (AFTI)\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due\ndate each month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nNOTICE: The Annual Fee will be assessed before you begin using your card and\nwill reduce the amount of credit you initially have available. For example, if you\nare assigned the minimum credit limit of $350, your initial available credit will be\nonly about $275.\nAnnual Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\n$75\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nParagraph 15 of this Contract.\n\n\x0cTerms and Conditions\nImportant Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for\nyour name, address, date of birth and other information that will allow us to identify you. This offer is not available to active\nduty military personnel and their dependents who are covered borrowers (as defined in 32 C.F.R. 232.3) under the Military\nLending Act.\nQualify For Future Unsecured Credit: The initial credit limit is $350. You may qualify for a higher initial credit limit based on\nyour debt-to-income ratio and credit profile. If you make all your payments on time, plus pay more than the minimum due each\nmonth, and subject to other conditions in effect from time to time including your debt-to-income ratio, you may be eligible to\nreceive future credit limit increases. This allows you to increase your credit limit by establishing a good credit history with us.\nThe maximum credit limit is $5,000.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.showcardcc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2020, CAPITAL Enhancement Services, LLC.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to Bryant State Bank (Bryant,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission\nto use the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as\nany related fees and interest. If you do not pay for the charges made by the authorized user, we may choose to collect\ndirectly from them. If you want to remove an authorized user from your account, you need to get the card from them and\nnotify us. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges.\nThe cards remain our property and you agree to return them at our request or we have the right to have a merchant keep\nthe card and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to\nnotify us immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN\nto use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for\nillegal charges.\n\n\x0c3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. Your\nbalance may not exceed your credit limit at any time. If your balance is more than your credit limit, you must pay the\namount over your credit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement each month that your account has a balance or there is\nactivity on your account. The statement will show your balance, interest, and fees charged, and your minimum payment\nand payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send\na payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights\nto collect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive\nthem and will not be liable for any fees that may result. We will post payments when received but we reserve the right\nto limit available credit resulting from any payment for up to fourteen (14) days which may be extended if a payment is\nreturned for any reason or if there is other suspicious activity. If your payment is returned unpaid from your bank, we may\nre-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy of it at your\nrequest.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be at least twenty-five\n(25) days from the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying Your Payments: In general, the payment will be applied in the following order: unpaid interest, unpaid fees\nand other charges; and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the\nUnited States. Do not send cash through the mail. Payments cannot be paid at a branch bank. Payments mailed to the\npayment address and received by 5 P.M. central time will be credited the same day. For other payment options, please\ncall customer service at (866) 205-8313.\n\n9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the prior month\xe2\x80\x99s ending balance in full by the\npayment due date. We figure the interest on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nof your account. To calculate the \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance of your account each day, add\nany new purchases, advances and fees, and subtract any unpaid interest, payments and credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d. Billing cycle means the time between two billing statements. To\ncalculate the interest, we multiply the average daily balance by the monthly periodic rate. The monthly periodic rate is\ncalculated by dividing the annual percentage rate of 29.9% by 12 (months). The monthly periodic rate is 2.4917%.\n\n10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will accrue\ninterest.\na. Annual Fee: A $75 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User Fee: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (866) 205-8313,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\n13. Call Recording, Automated Calling, Pre-recorded Messages and Privacy: We will send you a privacy notice annually.\nYour telephone calls with our representatives may be recorded for quality and other purposes. We may use automated\ntelephone equipment or pre-recorded telephone calls to contact you at any number you provide to us or that we obtain,\nincluding any cellular telephone number. You agree that we will not be responsible for the release of information to\nanyone who has gained possession of a card or identification number, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\n\n\x0cthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at:\nBryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. In your letter, give us the following information: Your\nname and account number; the dollar amount of the suspected error; a description of the problem. If you think there is\nan error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: 1)\nWithin 60 days after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3\nbusiness days before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must\nnotify us of any potential errors in writing. You may call us but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent and we must let those\norganizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not\nhave to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit 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\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply 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. 2) You must have used\nyour credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met\nand you are still dissatisfied with the purchase, contact us in writing at: Bryant State Bank, PO Box 5161, Sioux Falls,\nSD 57117-5161. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our\nright to enforce them at a later time.\n17. Credit Reports, Credit Reporting and Privacy: You authorize us to obtain credit reports about you for any legitimate\nbusiness purpose. We may obtain a credit report for reviewing, modifying the terms, renewing the account or collection.\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults\non your account may be reflected in your credit report. You and each authorized user agree that we may report account\ninformation to credit reporting agencies in the names of both you and the authorized user(s).\n18. Change in Terms of Your Credit Account: We may change any term of this contract at any time upon such notice to\nyou as is required by law. You may have the right to reject the change in terms, depending on the type of change, and if\nyou do, your account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\n\n\x0cIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if\nan account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full.\nIf your account is in default and you try to make charges, we can use any legal means to recover the card(s) including\nlisting your account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation,\nwe can still declare your account in default for the same or different reason at a later time.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have\nnot used your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. New York Residents: Consumer reports may be requested in connection with the processing of the application\nand any resulting account. Upon your request, we will inform you of the names and addresses of any consumer\nreporting agencies which have provided us with such reports. New York residents may contact the New York\nDepartment of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New\nYork Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\nd. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'


b'Wings Financial Credit Union\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nVISA\xc2\xae SIGNATURE Disclosure Information\n\nM-131762\n\n0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened.\nAfter that, your APR will range from 14.20% to 18.00% based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\nAPR for Balance Transfers\n0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened.\nAfter that, your APR will range from 14.20% to 18.00% based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\nAPR for Cash Advances\n14.20% to 18.00% The APR will vary with the market based on the Prime Rate.\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases\nif you pay your entire balance by the due date each month. We will begin charging interest on cash advances and\nbalance transfers from the posting date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nCredit Card Tips from the Consumer\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\nFinancial Protection Bureau\nTransaction Fees\nPenalty Fees:\nLate Payment\nUp to $27\nCash Advance\nEither $10 or 2% of the amount of each cash advance, whichever is greater.\nReturned Payment Up to $27\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Wings Credit Card Agreement and Truth-In-Lending Disclosure.\nRates are effective as of 7/1/20 and are subject to change. Call 1 800 692-2274 for current rate information.\n\n\x0c'


b'VISA\xc2\xae PLATINUM Disclosure Information\n\nWings Financial Credit Union\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened.\nAfter that, your APR will range from 8.15% to 18.00% based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\nAPR for Balance Transfers\n0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened.\nAfter that, your APR will range from 8.15% to 18.00% based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\nAPR for Cash Advances\n8.15% to 18.00% The APR will vary with the market based on the Prime Rate.\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases\nif you pay your entire balance by the due date each month. We will begin charging interest on cash advances and\nbalance transfers from the posting date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nCredit Card Tips from the Consumer\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\nFinancial Protection Bureau\nTransaction Fees\nPenalty Fees:\nLate Payment\nUp to $27\nCash Advance\nEither $10 or 2% of the amount of each cash advance, whichever is greater.\nReturned Payment Up to $27\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Wings Credit Card Agreement and Truth-In-Lending Disclosure.\nRates are effective as of 7/1/20 and are subject to change. Call 1 800 692-2274 for current rate information.\n\nM-131761\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nPlatinum Select Visa\nPlatinum Quint-Essential Visa\nSignature Cash Back Visa\nPlatinum Essential Visa\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Select Visa\n\n7.00% to 15.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Quint-Essential Visa\n\n9.00% to 17.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSignature Cash Back Visa\n\n11.00% to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Essential Visa\n\n18.00%\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPlatinum Select Visa\n7.00% to 15.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Quint-Essential Visa\n9.00% to 17.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSignature Cash Back Visa\n11.00% to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Essential Visa\n18.00%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC10-C-1-071620 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nPlatinum Select Visa\n7.00% to 15.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Quint-Essential Visa\n9.00% to 17.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSignature Cash Back Visa\n11.00% to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Essential Visa\n18.00%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\n\nPlatinum Select Visa\n10.00% to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Quint-Essential Visa\n12.00% to\nto 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSignature Cash Back Visa\n14.00 to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Essential Visa\n18.00%. This APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make three consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee - Platinum Essential Visa\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee - Platinum\nSelect Visa, Platinum Quint-Essential\nVisa, Platinum Essential Visa\n- Foreign Transaction Fee - Signature\nCash Back Visa\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\n$25.00\n3.00% of the amount of each balance transfer\n3.00% of the amount of each cash advance\n1.00% of each transaction in U.S. dollars\n\nNone\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC10-C-1-071620 (MXC101-E)\n\n\x0cPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nApplication of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making\na payment.\nEffective Date: The information about the costs of the card described in this application is accurate as of:\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\n.\n\nFor California Borrowers, the Platinum Select Visa, Platinum Quint-Essential Visa, Signature Cash Back Visa and\nPlatinum Essential Visa are secured credit cards. Credit extended under this credit card account is secured by\nvarious personal property and money including, but not limited to: (a) any goods you purchase with this account,\n(b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares\nyou have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement\nAccount or in any other account that would lose special tax treatment under state or federal law, and (d)\ncollateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more\ndays late in making a payment.\nAnnual Fee - Platinum Essential Visa: $25.00.\nBalance Transfer Fee (Finance Charge): 3.00% of each balance transfer.\nCash Advance Fee (Finance Charge): 3.00% of each cash advance.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.\nRush Fee: $25.00.\nStop Payment Fee: $30.00.\nStatement Copy Fee: $3.00.\nDocument Copy Fee: $10.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC10-C-1-071620 (MXC101-E)\n\n\x0cCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nODU ALUMNI ASSOCIATION VISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\n\n11.00%\nThis APR will vary with the market based on the Prime Rate.\n11.00%\nThis APR will vary with the market based on the Prime Rate.\n11.00%\nThis APR will vary with the market based on the Prime Rate.\n14.00%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to Your Account if You:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If Your APRs are increased for\nthis reason, the Penalty APR will apply until You make three consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\n3.00% of the amount of each balance transfer\n3.00% of the amount of each cash advance\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC20-C-9-040620 (MXC201-E)\n\n\x0cMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 826-7490, ext. 6660 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 5 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nBalance Transfer Fee (Finance Charge):\n3.00% of each balance transfer. If Your Account is subject to a Balance Transfer Fee (finance charge), the fee will be\ncharged to Your Account when You transfer a balance from an account of another creditor to the Account subject to Your\nAgreement.\nCash Advance Fee (Finance Charge):\n3.00% of each cash advance. If Your Account is subject to a Cash Advance Fee (finance charge), the fee will be charged\nto Your Account when You obtain a cash advance from an ATM, the Credit Union or other financial institution.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nRush Fee:\n$25.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStop Payment Fee:\n$30.00. If Your Account is subject to a Stop Payment Fee, except as limited by applicable law, a fee may be charged to\nYour Account each time you request a payment to be stopped.\nStatement Copy Fee:\n$3.00. If your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na statement that You request.\nDocument Copy Fee:\n$10.00. If your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft that You request (except when the request is made in connection with a billing\nerror made by the Credit Union).\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 11.00% which is a monthly periodic rate of 0.9167% .\nThe Balance Transfer APR is 11.00% which is a monthly periodic rate of 0.9167% .\nThe Cash Advance APR is 11.00% which is a monthly periodic rate of 0.9167% .\nThe Penalty Rate APR is 14.00% which is a monthly periodic rate of 1.1667% .\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC20-C-9-040620 (MXC201-E)\n\n\x0cVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe first day of the cycle after the Index has changed, to which We add a margin. The ANNUAL PERCENTAGE RATE will\nnever be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount\nof the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 7.75% above the Index.\nBalance Transfers will be charged at 7.75% above the Index.\nCash Advances will be charged at 7.75% above the Index.\nPenalty Rates will be charged at 10.75% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04505268-MXC20-C-9-040620 (MXC201-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM SELECT VISA\nPLATINUM QUINT VISA\nSIGNATURE CASH BACK VISA\nPLATINUM ESSENTIAL VISA\nODU ALUMNI ASSOCIATION VISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Langley Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0cstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nPlatinum Select Visa, Platinum Quint Visa, Signature Cash Back Visa, ODU Alumni Association Visa - For each\nbilling period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nPlatinum Essential Visa - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due\nDate.\nThe Minimum Payment Due is 5.00% of Your total New Balance, or $50.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$50.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 You will not pay any interest on purchases if You pay the entire New\nBalance, including any balance transfers and cash advances, in full by the Payment Due Date shown on Your monthly\nbilling statement each and every billing cycle. We call this a grace period on purchases. Generally, You will have at least a\ntwenty-five (25) day grace period from the close of each billing cycle to pay the entire New Balance without incurring\nadditional interest on purchases. The Payment Due Date disclosed on each monthly billing statement provided to You is\nthe last day of Your grace period for that statement\xe2\x80\x99s billing cycle. If You do not pay the entire New Balance, including any\nbalance transfers and cash advances, in full by the Payment Due Date in a billing cycle, You will pay interest on Your\npurchases from the date they are posted to Your Account. You also will not have a grace period on purchases again\nuntil You pay the entire New Balance in full by the Payment Due Date two (2) billing cycles in a row.\nCash advances and balance transfers do not have a grace period, as they are subject to interest charges from the date\nthe transaction posts to Your Account.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nPage 2 of 6\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0cThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nPlatinum Select Visa, Platinum Quint Visa, Platinum Essential Visa - A fee (finance charge) will be charged on all\ntransactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted\nto U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 120128 ,\nNewport News, VA, 23612 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\nPage 3 of 6\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0capplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\nPage 4 of 6\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0c26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the 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 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit 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 purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n04505268-MXC30-C-1-093020 (MXC303-E)\n\n\x0c'


b'CARD AGREEMENT - PLATINUM ELITE MASTERCARD\xc2\xae,\nPLATINUM ELITE REWARDS MASTERCARD, CLASSIC\nMASTERCARD & BUSINESS MASTERCARD\n\nReview the information contained in this Agreement about your account. This document, along with the Account\nOpening Disclosure, is an agreement between you and Public Service Credit Union. If you have any questions, please\ncontact us at the phone number on the back of your Card. We agree to lend you money as described in this\nAgreement, and you agree to pay us back along with any interest charges and fees that apply. Your use of the Account\nor any payment on the Account indicates that you accept the terms of this Agreement.\n\nDefinitions\n\nCredit Limit\n\nIn this Agreement, the following words have the following meanings:\nAccount means the revolving credit card account established on your behalf in connection\nwith the Card\nAgreement means this Credit Card Agreement\nCard or Cards means the MasterCard credit card(s) issued by us in connection with your\nAccount\nYou and your means any person who applies for, signs, or uses the Card\nWe, us, and our mean Public Service Credit Union (\xe2\x80\x9cPSCU\xe2\x80\x9d)\nYOUR ACCOUNT\nYour Account will have a credit limit, which we will publish on your periodic billing\nstatement. Some of your credit limit may be available for cash advances. We may cancel,\nchange, or restrict your credit limit or credit availability at any time and for any reason\npermitted by law. We are not obligated to allow your Account to go over its credit limit, but if\nwe do allow your Account to go over its credit limit, you are responsible for the total balance.\nIf we allow your Account to go over its credit limit we will not charge you a fee, but you agree\nto promptly pay the over-the-limit amount at any time if we ask you to do so.\n\nAuthorized Use\n\nYou are responsible for any use of your Account by anyone you permit to use your Account.\nYou will not be responsible for the unauthorized use of your Account that occurs after you\nnotify us orally or in writing of the loss, theft or possible unauthorized use by contacting us at\nthe number on the back of your Card. In any case, your liability will not exceed $50.00.\n\nJoint Account\n\nIf this is a joint Account, each person on the Account is jointly liable for all amounts owed.\nWe may require any individual on the Account to pay the entire amount subject to this\nAgreement. Each person on the Account authorizes every other person on the Account to\nuse the Card as described in this Agreement. Any person on the Account may close the\nAccount and the closure will be effective for every other person on the Account.\n\nSecured Card\n\nIf you have a Classic MasterCard, your Card is secured by an amount on deposit with us, and\nyou have separately executed a Credit Card Security Agreement (\xe2\x80\x9cSecurity Agreement\xe2\x80\x9d) as\nevidence of our security interest, which is incorporated into this Agreement. Specific terms\nand conditions related to your secured card and the funds you have provided as a security\ninterest can be found in the Security Agreement you signed.\n\nSecurity Interest in\nFunds on Deposit\n\nIf you have a Business MasterCard, we have a security interest in any funds you have on\ndeposit with our institution. If you have a Platinum Elite MasterCard, a Platinum Elite\nRewards MasterCard, or a Business MasterCard, we may require you to sign an additional\nCredit Card Security Agreement (\xe2\x80\x9cSecurity Agreement\xe2\x80\x9d) giving us a security interest in funds\nyou have on deposit with us as a condition of obtaining credit. If you sign a Security\nAgreement, that document is incorporated into this Agreement.\n\n\x0cAnnual Fee\n\nIf your Account has an annual fee under the Rate and Fee Table of this Agreement, you are\nresponsible for paying the fee every year your Account is open. If your Account has an\nannual fee, we will add the fee to your periodic billing statements once per year when the fee\nis due.\n\nPayment Due Date\n\nPayments are due on the due date shown on your periodic billing statement, which we will\nsend you each month. The statement will contain information about how to send us your\npayment. You agree that if you do not make the minimum payment by 10 days after the due\ndate, we may charge you a late fee as described on the Rate and Fee Table in this Agreement.\n\nMinimum Payment\n\nThe minimum payment will be the greater of $25, or 3% of the outstanding balance due at the\nend of the prior billing period. If the total outstanding balance due is less than $25, the\nminimum payment will be the entire balance due.\n\nApplication of\nPayments\n\nIf you have a consumer Card we will apply your payment first to balances with the highest\nannual percentage rate (APR), then to the balance with the next lowest APR, and so on. If\nyou have a Business MasterCard, we may allocate payments however in any way we choose.\n\nDefault\n\nPurchases\n\nYour Account will be in default if (a) you fail to make any minimum payment, over-the-limit\npayment, or any other required payment by the date the payment is due; (b) you break any\npromise to us under this Agreement; (c) we believe you may be unwilling or unable to repay\nwhat you owe (including because of your bankruptcy, insolvency, incapacity, or death); or you\nhave made a false or misleading statement in any application or representation you have\nprovided to us. If your Account is in default, we may close it without further notice or decline\nto authorize any further charges. We may also demand that you immediately pay the full\nunpaid balance and we may begin collections activities. To the extent permitted by law, you\nagree to pay all collection costs, court costs, attorneys\xe2\x80\x99 fees, and all other costs of enforcing\nour rights under this Agreement.\nUSING YOUR CARD\nYou may use your Card to purchase goods and services from merchants and others who\naccept the Card. We agree to authorize purchases under the terms of this Agreement.\nHowever, we are not liable if we are unable to authorize a purchase because our authorization\nsystem is not working, or if any merchant or other financial institution refuses to honor your\ncard.\n\nCash Advances\n\nCash Advances are only permitted on the Classic MasterCard, Platinum Elite MasterCard, and\nPlatinum Elite Rewards MasterCard Cards. You may request that we stop payment on a Cash\nAdvance check, for the fee disclosed in the Rates and Fees Table.\n\nBalance Transfers\n\nBalance Transfers are only permitted on the Classic MasterCard, Platinum Elite MasterCard,\nand Platinum Elite Rewards MasterCard Cards. You may request that we stop payment on a\nBalance Transfers check, for the fee disclosed in the Rates and Fees Table.\n\nForeign\nTransactions\n\nPurchases and withdrawals made in foreign countries will be billed to you in U.S. dollars. The\ncurrency conversion rate for international transactions is a rate selected from the range of\nrates available in wholesale currency markets for the applicable central processing date, or the\ngovernment-mandated rate in effect for the applicable central processing date. In addition,\nyou will be charged an International Transaction Fee of 1% of the transaction amount for any\ncard transaction that involves a currency conversion to U.S. dollars and .8% for international\ntransactions that do not involve currency conversions to U.S. dollars from foreign currency.\n\n\x0cHow We Will\nCalculate Interest\n\nVariable Rate\nInformation\n\nIllegal Use\n\nIf interest charges apply to a balance on your account, we will calculate the interest on each\nbalance. Different types of transactions, such as balance transfers and cash advances, may\nhave different interest rates, and balances within each transaction type may also have different\ninterest rates. We use the average daily balance method (including new transactions) to\ncalculate interest charges for each balance:\nTo calculate the Daily Balance for each transaction type, we (a) take the beginning balance\nfor each day and add any interest from the prior day and any new transactions or other\ndebits (including fees and unpaid interest charges), (b) subtract any payments or credits and\ntreat any net credit balance as a zero balance, and (c) the result is the Daily Balance for each\ntype of transaction.\nTo calculate the interest charges on your Account, we (a) divide the APR for each\ntransaction type by 365 to get the daily interest rate, (b) multiply the daily interest rate for\neach transaction type by the Daily Balance for the corresponding transaction type for each\nday in the billing cycle, and (c) add together the interest charges for each day in the billing\ncycle for each transaction type.\nWe will add transactions and fees to your daily balance no earlier than:\n- For new purchases, balance transfers, or cash advances: the date of the transaction\n- For cash advance or balance transfer checks: the date the payee deposits the check\n- Fees: the date of the related transaction, the date the fee is posted to your Account, or the\nlast day of the billing cycle, whichever we choose\nIf your APR is based on the Prime Rate, the APR will increase or decrease with the Prime\nRate. For each billing period, we will use the Prime Rate published in The Wall Street Journal\n(or an equivalent published rate) two business days before the closing date of the billing\nperiod. If the Prime Rate causes your APR to change, the new APR will be effective as of the\nfirst date of the billing period for which we calculate the APR. We will apply the new APR to\nany existing balances.\nOTHER PROVISIONS\nYou agree not to use or permit anyone else to use your Card unlawfully or for any illegal\npurpose, activity, or transaction.\n\nSpecial Offers and\nPromotions\n\nIf we make a special offer or conduct a promotion related to your Account, the terms of the\noffer or promotion are subject to this Agreement and the Account Opening Disclosures\nunless explained otherwise.\n\nInvestigation\nAuthorization\n\nYou authorize us to investigate your credit record and verify your credit, employment, and\nincome, and further authorize any person, organization, company, or personnel office to\nfurnish information pertinent to evaluation of your creditworthiness upon our request. You\nauthorize us to obtain information concerning your creditworthiness from consumer\nreporting agencies, both now and in connection with updates, renewals, and later credit\nextensions.\n\nAssignment\n\nWe may assign your Account, amounts you owe, or any of our rights or duties under this\nAgreement without further notice to you. You may not assign your rights or duties under this\nAgreement.\n\nCommunication and\nChanges to Your\nInformation\n\nWe may send statements and other communications to the mailing or email address in our\nrecords. You agree to notify us immediately of any change to your contact information.\n\nChanges to the\nAgreement\n\nWe may change this Agreement after giving you any notice required by law. Any changes will\napply to your use of the Account after the changes become effective, and changes may apply\nto unpaid balances subject to our sole discretion and applicable law.\n\nGoverning Law\n\nThis Agreement will be governed by the laws of the State of Colorado.\n\n\x0c'