b"STCU Rewards & Premier Rewards World\nMastercard\xc2\xae Credit Card Agreement\nThis Credit Card Agreement (Agreement) and the Account Disclosures\naccompanying this Agreement will govern your STCU Rewards and\nSTCU Premier Rewards World Mastercard Credit Card and account\nissued by Spokane Teachers Credit Union (\xe2\x80\x9cSTCU\xe2\x80\x9d). The terms and\nconditions of this Agreement will apply the same to both the STCU\nRewards and STCU Premier Rewards programs except as specifically\nprovided.\nIn this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours\xe2\x80\x9d, \xe2\x80\x9capplicant,\xe2\x80\x9d and\n\xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the application for this\nAccount, any joint obligor, guarantor, authorized user, or the person\nwhose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d\nand \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Spokane Teachers Credit Union. The word\n\xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under this Account.\nIf you sign an application for this Account or sign or use any Card\nor PlN, or allow others to use the Card or PlN, you and they will\nhave accepted this Agreement just as if you and they signed it,\nand you and they, jointly and severally, will be bound by the\nfollowing terms and conditions which govern this Account.\n1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus\nany Interest Charges, which arise from use of the Card or Account by\nyou or any other person, and to be jointly and severally liable with such\na person, unless such other person does not have actual, implied, or\napparent authority for such use, and you received no benefit from the\nuse. You promise to pay us either by direct payment or by automatic\ntransfers from your accounts.\n2. PURCHASES, CASH AND OVERDRAFT ADVANCES. You must\nsign the Card to use it. Once you have signed the Card, you can use it\nto buy or lease goods, services, or insurance wherever the Card is\nhonored, up to the full amount of your Credit Line. You may use your\nAccount to get cash advances from us. You may also use your Card to\nget a cash advance at ATMs, our branch offices, and at participating\nfinancial institutions. In addition, you may obtain cash advances by\noverdrawing your account. Loan overdraft transfers will be made in the\namount necessary to cover each overdraft. You authorize us to charge\nyour account and deposit such funds to your account. You understand\nthat you will be liable for overdraft advances accessed by any\nauthorized person on your checking account. If we approve, you may\nobtain advances under your account by writing pre-printed\nconvenience checks that we supply to you. Your use of convenience\nchecks will be shown as purchase advances on your monthly\nstatement. We may not honor your promotional check if: your check is\npostdated; payment of promotional check would exceed your credit\nlimit; a promotional check is signed by a person without authorized\naccess to your account; the amount of the promotional check is less\nthan the minimum required amount; your account has been terminated\nor suspended or any promotional checks have been reported lost or\nstolen. You may stop payment on a promotional check if you provide\nus with the exact information describing the check and providing us\nwith adequate notice to act on the stop payment instruction. If you give\nus incorrect information, we will not be responsible for failing to stop\npayment of the promotional check and you will be responsible for\nrepayment of the amount of the check. You understand there may be a\ncharge for each stop payment order requested and any promotional\ncheck returned. Our liability for wrongful dishonor is limited to your\nactual damages; however, a dishonor for reasons stated above is not a\nwrongful dishonor.\n3. CREDIT LINE. If your application is approved by us, this Agreement\nwill constitute a revolving line of credit for an amount which will be the\nCredit Line under your Account. We will advise you of the amount of\nyour Credit Line. That amount will be the maximum amount you may\nhave outstanding at any one time. We retain the right to increase or\ndecrease your Credit Line at any time. Any increase or reduction in the\namount of your Credit Line will be shown on your monthly statement or\nby separate notice together with any changes in the applicable\nMinimum Monthly Payments. Your eligibility for this Credit Line is\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\ndetermined by our loan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close your Credit Line\nat any time by notifying us in writing and returning all Cards cut in half.\nIf you terminate this Agreement or if we terminate or suspend your\ncredit privileges, the provisions of this Agreement and your liability\nhereunder shall otherwise remain in full force and effect until you have\npaid us all sums due us under this Agreement and returned all Cards.\n4. MONTHLY PAYMENT. We will mail you a statement every month if\nyour Account has a balance. You agree that you will pay each month\nnot less than the minimum monthly payment on or before the\nscheduled monthly due date. The minimum monthly payment will be\n2.0% of your outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25.00,\nwhichever is greater. If your outstanding balance is $25.00 or less,\nyou agree to pay the balance in full. You may pay in full for all your\npurchases and cash advances each month, or you may repay in\nmonthly installments. We can accept late payments or partial\npayments, or checks, drafts or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout prejudice to our rights under this Agreement, which are hereby\nexplicitly reserved. A credit posting from a merchant or reversal of\nfees do not constitute a minimum payment. The minimum monthly\npayment may be allocated at STCU\xe2\x80\x99s discretion to pay off lower rate\nbalances, such as promotional offers, before higher rate balances,\nsuch as cash advances or purchases. Payments in excess of the\nminimum monthly payment will be allocated first to higher rate\nbalances, as applicable. From time to time, we may allow you to skip\nyour minimum monthly payment due. If you choose to skip that\npayment, Interest Charges will continue to accrue in accordance with\nthis Agreement. Payments received at: STCU, PO Box 37035,\nBoone, IA 50037-0035 at or before 5:00 PM Central Time on any\nbusiness day will be credited to your Account as of that date; payments\nreceived by mail at that address after 5:00 PM Central Time, on a\nweekend or federal holiday will be posted to your Account as of the\nnext business day. Payment crediting to your Account may be delayed\nup to five days if your payment is received by mail at any other address\nor not accompanied by the remittance portion of your Account\nstatement.\n5. SECURITY INTEREST/PLEDGE OF SHARES. To secure your\nAccount, you grant us a purchase money security interest under the\nUniform Commercial Code in any goods you purchase through your\nAccount. If you default, we will have the right to recover any of these\ngoods which have not been paid for through application of your\npayments. You agree Collateral securing other consumer loans with\nSTCU (except loans secured by real property) will also secure this\nAccount. You also pledge all of your present and future shares and any\nearnings thereon as security for obligations under your account. You\nunderstand that if you default on your Account we may apply all that is\npledged to your Account (IRA and Keogh accounts are excluded from\nthe Pledge of Shares).\n6. MONTHLY STATEMENTS. Each month, we will send you a\nstatement showing new purchases, cash advances, balance transfers,\npayments, and credits made to your Account during the billing cycle,\nyour Previous Balance, your \xe2\x80\x9cTotal New Balance,\xe2\x80\x9d any Interest\nCharges, and any other charges. Your statement also will identify the\nremaining credit limit available and the Minimum Monthly Payment you\nmust make for that billing period and the date it is due. You agree to\nretain for statement verification copies of transaction slips resulting\nfrom each purchase, each advance, and other transactions on your\nAccount. Unless you notify us of a billing error as described below, you\naccept your monthly statement as an accurate statement of your\nAccount with us.\n7. INTEREST CHARGES. The total outstanding balance of purchases,\nbalance transfers and cash advances in the Account on the closing\ndate of a billing cycle, including any Interest Charges will be shown on\nthe Monthly Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\n(a) Cash/Overdraft Advances. An Interest Charge will be imposed\non cash and overdraft advances from the advance posted to your\naccount to the date paid. There is no time period within which to pay to\navoid a periodic Interest Charge on cash and overdraft advances. In\naddition there is a cash advance fee (Interest Charge) of 3% of the\namount of each advance ($5 minimum).\nMC1002 031121\n\n\x0c(b) Balance Transfers. An Interest Charge will be imposed on the\nportion of balance transfers included in the New Balance that remains\nunpaid within 23 days after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows\nyou to avoid an Interest Charge on balance transfers for a billing\ncycle. However, if you do not pay the New Balance for balance\ntransfers within the grace period, your Interest Charge will accrue on\nany unpaid balance transfer transactions from the date of balance\ntransfer. In addition there is a balance transfer fee (Interest Charge) of\n3% of the amount of each advance ($5 minimum).\n(c) Purchases. An Interest Charge will be imposed on the portion of\npurchases included in the New Balance that remains unpaid within 23\ndays after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an\nInterest Charge on purchases for a billing cycle. However, if you do\nnot pay the New Balance for purchases within the grace period, your\nInterest Charge will accrue on any unpaid purchase transactions from\nthe date of purchase.\n8. CALCULATING INTEREST CHARGES.\n\nPrime Rate plus a margin of 12.24% to 20.24%.\nThe current Interest Rate that will apply to your Account will be shown\non a separate disclosure at account opening.\nThe Credit Union may offer introductory and promotional Annual\nPercentage Rates from time to time. At the end of any introductory or\npromotional period, the standard Annual Percentage Rate applicable to\nyour account will apply. The Annual Percentage Rate applicable to\nyour account will be disclosed to you with your Card and shown on\neach monthly statement. The \xe2\x80\x9cTotal Interest Charge\xe2\x80\x9d shown on your\nmonthly statement consists of the periodic Interest Charge on\npurchases, the periodic Interest Charge on cash advances, and the\nperiodic Interest Charge on balance transfers.\n9. Fees and Charges. We may impose fees and charges on your\nAccount as set forth below. STCU reserves the right to assess other\nfees in the future. You will be notified of any new fees as required by\nlaw.\n\n(a) Average Daily Balance. The Interest Charge imposed on\npurchases, balance transfers and cash advances with respect to a\nBilling Cycle will be determined by multiplying the Average Daily\nBalance of purchases, balance transfers and cash advances by a Daily\nPeriodic Rate. The Average Daily Balance for purchases, balance\ntransfers and cash advances are calculated separately. We take the\nbeginning balance of cash advances, balance transfers or purchases\nin your account each day then, in the sequence in which the amounts\npost to your account add any new cash advances, balance transfers\nand purchases (whichever are applicable) and subtract any payments\nor credits (and unpaid Interest Charges and late charges). This gives\nus the Daily Balance for that day. Then we add up all the Daily\nBalances of cash advances, balance transfers, and purchases for the\nbilling cycle and divide the totals by the number of days in the billing\ncycle. This gives us the \xe2\x80\x9cAverage Daily Balances\xe2\x80\x9d for purchases,\nbalance transfers and cash advances. Interest Charges start to\naccrue on cash advances, balance transfers and purchases from the\ndate the cash advance, balance transfers or purchase is posted to your\nAccount, and your Account balance is reduced when STCU receives\nyour payment or enters a credit. However, a portion of your balance\nthat is the result of purchases and balance transfers has a different\ntreatment if you pay that entire portion by at least twenty-three (23)\ndays after we send your billing statement. An Interest Charge will be\nimposed on the portion of purchases and balance transfers included in\nthe New Balance that remains unpaid within 23 days effective the\nopening date of the following billing cycle. Your cash advance\nbalances have no grace period in which to avoid an Interest Charge.\n\n(a) Annual Fee. For the STCU Premier Rewards World Mastercard\nthere is an Annual Fee of $49 (after the first year). There is no Annual\nFee for the STCU Rewards World Mastercard.\n\n(b) VARIABLE INTEREST RATE. Your Account has a variable rate\nfeature and the Periodic Rate and corresponding Annual Percentage\nRate (Interest Rate) may change each month with changes in the\nindex. The total of the index plus the margin amount that we add is the\nInterest Rate. The Interest Rate includes only interest and no other\ncosts. The Interest Rate is based on the value of an index and can\nchange monthly effective the first day of the billing cycle. The index is\nthe highest U.S. Prime Rate published in the Money Rates section of\nThe Wall Street Journal on the third Tuesday of February, May,\nAugust, and November of each year \xe2\x80\x9cPrime Rate\xe2\x80\x9d. If the Prime Rate\nchanges, any new rate will be applied as of the first day of your billing\ncycle that begins in March, June, September, and December of each\nyear. If the APR increases, you will pay a higher Interest Charge and\nmay pay a higher minimum payment. The Prime Rate is simply a\nreference index and is not the lowest interest rate available. If The Wall\nStreet Journal stops publishing the Prime Rate, we will select a similar\nreference rate. STCU adds a margin to the index, based on your\ncreditworthiness. The margin for purchases, cash advances and\nbalance transfers will fall within a range based upon your credit\nworthiness:\n\n(h) Card Replacement Delivery Fee. You agree to pay a $5.00 fee for\ndelivery of your replacement card. Rush delivery is an additional\ncharge.\n\nMargin Range\nNon-introductory Purchase APR:\nPrime Rate plus a margin of 6.24% to 16.24%.\nNon-introductory Balance Transfer APR:\nPrime Rate plus a margin of 6.24% to 16.24%.\nCash Advance APR:\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\n(b) Late Fee. You agree to pay a late fee of $25.00 for each minimum\npayment not paid by payment due date.\n(c) Stop Payment Fee. There is a $25.00 fee for any stop payment\norder you order on a convenience check drawn on your account and a\n$5.00 fee for any recurring stop payment request.\n(d) Returned Payment Fee. A $25.00 fee will be assessed against\nyour Account when a check submitted for payment on the Account is\nreturned, regardless of the reason.\n(e) Returned Item Fee. A $25.00 fee will be assessed against your\nAccount for each convenience check returned, regardless of the\nreason.\n(f) Research and Copying Fees. We may charge you $25.00 per hour\n(minimum $5.00) of research required if you request copies of any\nitems or documents related to your Account. There is a $2.00 charge\nfor each statement copy you request and $12.00 per copy for any\ntransaction documents you request. If the request relates to a billing\nerror and we determine that a billing error was made, any copying\ncharges will be refunded.\n(g) PIN Change/Replacement Fee. A $2.00 charge may be assessed\nagainst your Account for each PIN change/replacement you request.\n\n(i) Foreign Transaction Fees. Purchase and cash advance\ntransactions made in or with merchants located in foreign countries will\nbe billed to you in U.S. dollars. The currency conversion rate for\ninternational transactions as established by Mastercard International,\nInc., is a rate selected by Mastercard from the range of rates available\nin wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Mastercard itself receives or\nthe government-mandated rate in effect for the applicable central\nprocessing date. In addition for STCU Rewards Cards, you will be\ncharged an International Transaction Fee of 2% of the transaction\namount for any card transaction made in or with merchants located in a\nforeign country.This fee is waived for our STCU Premier Rewards\nWorld Mastercard cardholders.\n(j) ATM Surcharge Fees. If you use an ATM to obtain a cash advance\nand the ATM is not operated by us, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such a\ntransaction. The ATM surcharge may be charged to your account if\nyou complete the transaction.\n10. CONDITIONS OF CARD USE. The use of your Card and Account\nare subject to the following conditions:\n(a) Authorized Card Use. If you authorize anyone to use your Card in\nany manner, that authority will be considered unlimited in amount and\nMC1002 031121\n\n\x0cmanner until you specifically revoke such authority by notifying the\nCredit Union immediately. You are responsible for any transactions\nmade by such persons until you notify us that transactions and access\nby that person are no longer authorized and you return all cards issued\nto you. If you fail to maintain the security of the Card and the Credit\nUnion suffers a loss, we may terminate your Card and account\nservices immediately. You agree to notify us immediately of the loss, or\nthe theft, or the use without your permission, of any Card or other\ncredit instrument or device which we supply to you. You may be liable\nfor any unauthorized use on the Account. You understand and agree\nthat unauthorized use means the use of the card by someone other\nthan you.\n(b) Ownership of Cards. Any Card or other credit instrument or\ndevice which we supply to you is our property and must be returned to\nus, or to any person whom we authorize to act as our agent, or to any\nperson who is authorized to honor the Card, immediately according to\ninstructions. The Card may be repossessed at any time in our sole\ndiscretion without demand or notice. You cannot transfer your Card or\nAccount to another person.\n(c) Honoring the Card. Neither we nor merchants authorized to honor\nthe Card will be responsible for the failure or refusal to honor the Card\nor any other credit instrument or device we supply to you. If a merchant\nagrees to give you a refund or adjustment, you agree to accept a credit\nto your Account in lieu of a cash refund. You may not use the card for\nany illegal or unlawful transactions and we may decline to authorize\nany transaction that we believe poses an undue risk of illegality or\nunlawfulness.\n(d) Notices and Payments. All notices will be sent to your address as\nshown in the application. You agree to advise us promptly if you\nchange your mailing address. All payments should be mailed to us at\nthe remittance address shown on your monthly statements. Payments\nreceived at that address will be credited to your Account as of the date\nreceived.\n(e) Personal Identification Number (PIN). You will be required to\nselect a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card\nin accessing your line of credit at automatic teller machines (\xe2\x80\x9cATM\xe2\x80\x99s)\nand for certain purchase transactions, these numbers are issued to\nyou for your security purposes. These numbers are confidential and\nshould not be disclosed to third parties. You are responsible for\nsafekeeping your PlN. You agree not to disclose or otherwise make\navailable your PlN to anyone not authorized to sign on your Accounts.\nTo keep your Account secure, please do not write your PlN on your\nCard or keep it in the same place as your Card. If you authorize\nanyone to use your PIN in any manner that authority will be considered\nunlimited in amount and manner until you specifically revoke such\nauthority by notifying STCU and changing your PIN immediately. You\nare responsible for any transactions made by such person until you\nnotify us that transaction and access by that person are no longer\nauthorized and your PIN is changed. If you fail to maintain or change\nthe security of your PIN and STCU suffers a loss, we may terminate\nyour card and account services immediately.\n11. LOSS OR THEFT OF CARD. You agree to notify us immediately,\norally or in writing, of the loss, theft or unauthorized use of your Credit\nCard by telephone at (509) 326-1954 in Washington, (208) 619-4000 in\nIdaho, or toll-free (800) 858-3750, or by mail at STCU, PO Box 1954,\nSpokane, WA 99210-1954 . If you notify us of your lost or stolen credit\ncard after discovery, you may not be liable for any losses related to\ncredit transactions. You may not be liable for an unauthorized\ntransaction, as long as you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming\naware, you promptly report the loss or theft to us, otherwise your\nliability for unauthorized credit card transactions shall not exceed $50.\n12. DEFAULT. You will be in default under this Agreement if any of the\nfollowing occur: (a) Any Minimum Monthly Payment is not made when\ndue; (b) You become insolvent, bankrupt, or you die; (c) You violate\nany part of this Agreement, or any other agreement with us; or (d) if we\nreasonably deem ourselves insecure with respect to your Account.\nUpon default, we may declare the entire unpaid balance immediately\ndue and payable, and you agree to pay that amount plus any\napplicable fees and costs. If you default on any part of this Agreement,\nyou agree to pay us all costs to collect your Account, including court\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\ncosts and reasonable attorney fees whether or not there is a lawsuit,\nand fees on any appeal and fees for bankruptcy proceedings, appeals,\nand any post judgment collection services, if applicable. These fee and\ncosts may be added to your Account balance and will bear interest at\nthe Interest Rate in effect at that time. We can delay enforcing any\nright under this Agreement without losing that right or any other right.\nWe will notify you in writing of any such action as soon as practical if it\noccurs.\n13. CREDIT INFORMATION/FINANCIAL STATEMENTS. You\nauthorize us to release information to others (e.g., credit bureaus,\nmerchants, and other financial institutions) regarding the status and\nhistory of your Credit Line. You agree to provide us, at any time we\ndeem necessary, with a current financial statement and/or a new credit\napplication upon request. We may investigate your credit directly or\nthrough a credit reporting agency.\n14. GOVERNING LAW. This Agreement will not take effect until it is\napproved by us. This Agreement shall be governed by the laws of the\nState of Washington. If any provision of this Agreement is held invalid,\nthe remaining provisions that are severable shall remain in effect.\n15. ACKNOWLEDGMENT AND AMENDMENTS. You understand and\nagree to the terms and conditions in this Agreement and the Fair Credit\nBilling Notice. You acknowledge that you have received a copy of this\nAgreement and Account Disclosures including the Fair Credit Billing\nNotice. We reserve the right to amend the terms of this Agreement at\nany time as permitted by and subject to any limitations and notice\nrequirements of applicable law.\n16. BILLING ERRORS NOTICE. Your Billing Credit Card Billing\nRights. Keep This Notice for Future Use.\nWhat To Do If You Find A Mistake On Your Statement. If you think\nthere is an error on your statement, write to us at: STCU, PO Box\n1954, Spokane, WA 99210-1954,\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter? When we receive\nyour letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have\nalready corrected the error.\nWithin 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill is\ncorrect.\n\nWhile we investigate whether or not there has been an error:\nWe 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\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\xe2\x80\xa2\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\nMC1002 031121\n\n\x0c\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us. If\nwe do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\n\nHowever, if you establish a deposit or share account specifically in\nconnection with your Credit Card Account, funds deposited in that\naccount after you establish the Credit Card Account are subject to our\nsecurity interest as set forth above in the Credit Card Agreement.\n(e) Credit Union Toll-Free Telephone Number - (877) 304-1492. Call\nthis number for verbal information about the Military Annual\nPercentage Rate and your payment obligation.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases.\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase. To use this right, all of\nthe following must be true:\n1.\n\n2.\n3.\n\nThe purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n17. Military Lending Disclosures. The following disclosures are\nprovided and apply to the borrower who is a Covered Member as\ndescribed below.\n(a) Borrower Certification of Active Duty. By requesting a Credit\nCard each borrower certifies to the Credit Union that borrower: (i) is a\nCovered member as a member of the Armed Forces who is currently\nserving on active duty (under a call or order not less than 30 days)\nActive Guard or Reserve duty; and (ii) borrower is the Covered\nMember or is a dependent of the Covered Member. Borrower(s)\nauthorize the Credit Union to verify their status as a Covered Member\nor dependent by obtaining information from the database of the\nDepartment of Defense or from a consumer report obtained from a\nconsumer reporting agency.\n(b) Military Annual Percentage Rate. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36%. This\nrate must include, as applicable to the credit transaction or account:\nthe costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for a credit card\naccount); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n(c) Payment Obligation. Your payment obligation under your Credit\nCard Account is set forth in Sec. 1 and 4 above in the Credit Card\nAgreement.\n(d) Security Interest. The Credit Union's security interest in all your\nCredit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply to your Credit Card Account. A security\ninterest in shares or deposits granted in connection with any other\ncredit card account, loan or line of credit does not secure the Credit\nCard Account identified above, in spite of any provision that collateral\nsecuring one loan secures all of your other Credit Union obligations.\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\nMC1002 031121\n\n\x0c"


b'TODAY CARDTM CREDIT CARD AGREEMENT\nEffective Date: 9/16/2020\nThere are three parts to this Today Card Credit Card Agreement:\n1. The Today Card Pricing Information,\n2. Things You Should Know About This Card, which appear on your card mailer, and\n3. The Today Card Customer Agreement below.\nPlease read the entire Today Card Credit Card Agreement carefully, as it contains important\ninformation related to your Today Card Credit Card.\n\nThis Agreement contains an Arbitration provision. Unless you reject the Arbitration\nprovision within sixty (60) days of account opening, it will have a substantial effect\non your rights if you have a dispute with us. See Section 24 below for details.\nTODAY CARD PRICING INFORMATION\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n32.25%. These APRs will vary with the market, based on the\n\nPaying Interest\n\nYour payment due date is at least 25 days after the close of each\nbilling cycle. We will not charge you any interest on new\npurchases if you pay your entire new balance in full by the\npayment due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the interest charge will be no less\nthan $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nPrime Rate.\n\nFees\nSet up and Maintenance Fees\n\xe2\x80\xa2\n\nAnnual Fee\n\n$120 (billed at $10.00 monthly)\n\n\xe2\x80\xa2\n\nAdditional Card Fee\n\n$10 per card (one-time fee for card requested for authorized\nusers of the account)\n\nTransaction Fees\n\xe2\x80\xa2\n\nForeign Transaction Fee\n\n3% of each transaction in U.S. dollars\n\nVersion 2.0\n\n\x0cPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d See your Credit Card Agreement and Disclosure for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your Credit Card Agreement.\nTHINGS YOU SHOULD KNOW ABOUT THIS CARD\nCan You Change My Account Terms? We can change the terms of your account as permitted by law.\nWhen required, we will send you notice before doing so.\nHow Do You Calculate Variable Rates? The APR is a variable rate equal to the Prime Rate plus the\nmargin shown on the card mailer. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d is the U.S. Prime Rate published in The Wall Street\nJournal on the last business day of the month. An increase or decrease in the Prime Rate will cause a\ncorresponding increase or decrease in your variable APR on the first day of your billing cycle that begins\nin the month immediately following the change in the Index. If your APR increases, the amount of\ninterest charge you will owe and the minimum payment may increase.\nHow Do You Calculate my Interest Charge? We calculate your interest charge by multiplying the\naverage daily balance (calculated as described in your Credit Card Agreement) by the applicable Daily\nPeriodic Rate, and then multiplying that by the number of days in your billing cycle.\nHow Can I Avoid Paying Interest Charges? If you pay your new balance listed on your statement in full\nby the payment due date, we will not charge interest on any new transactions that post to the purchase\nbalance. If you have been paying your account in full with no interest charges, but then you do not pay\nyour next new balance in full, we will charge an interest charge on the portion of the balance that you\ndid not pay. This means that you may owe interest charges even if you pay the entire new balance one\nmonth, but did not do so for the previous month.\nTODAY CARDTM CREDIT CARD AGREEMENT\nThis Customer Agreement including any changes to it (the \xe2\x80\x9cAgreement\xe2\x80\x9d) contains the terms that govern\nour issuance and your use of your card. By applying for, activating and using your account, you are\nagreeing to comply with this Agreement. The Today Card is a consumer credit product intended for\npersonal, family or household purposes.\n1.\nDEFINITIONS: The meanings of the terms you see in italics are defined below:\n\xe2\x80\xa2 Account is your Today Card credit card account with us.\n\xe2\x80\xa2 Application is the submission of your financial information for the purposes of obtaining an\nextension of credit. It is the credit application you submitted to us to obtain your account.\n\xe2\x80\xa2 APR is Annual Percentage Rate.\n\xe2\x80\xa2 Authorized user is a person that you have permitted to make purchases under the account but is\nnot responsible for repayment.\n\xe2\x80\xa2 Available credit is the amount of your credit limit available for you to use to make purchases.\n\xe2\x80\xa2 Balance is the total amount you owe us on your account.\n\nVersion 2.0\n\n\x0c\xe2\x80\xa2 Billing cycle is the interval between the days or dates of your statements. The billing cycle may\nvary in length, but it occurs monthly, even if a statement is not required.\n\xe2\x80\xa2 Business day is the days we are open for business. Typically, Monday through Friday, excluding\nfederal holidays.\n\xe2\x80\xa2 Card is any Today Card credit card associated with your account. This includes all renewals and\nsubstitutions. It also means any other access device for your account that allows you to obtain\ncredit, including any account number.\n\xe2\x80\xa2 Credit limit is the maximum amount of credit we have approved for your account.\n\xe2\x80\xa2 Fees are charges imposed on your account not based on the APR.\n\xe2\x80\xa2 Grace period is the date by which or the period within which any credit extended may be repaid\nwithout incurring a finance charge due to a periodic interest rate and any conditions on the\navailability of the grace period.\n\xe2\x80\xa2 Interest charge is any amounts billed to your account based on the application of APR.\n\xe2\x80\xa2 Minimum payment is the amount you agree to pay each billing cycle to keep your account\ncurrent.\n\xe2\x80\xa2 Payment due date is the date your payment is due, as provided in each of your statements.\n\xe2\x80\xa2 Payment method is the instrument by which you make your payment. We accept payment in\nU.S. dollars, by electronic payment (ACH or debit card) or by mailing your personal check or money\norder, along with the payment stub from your statement, to the address shown on that statement.\n\xe2\x80\xa2 Purchase is a purchase of goods or services using your card.\n\xe2\x80\xa2 Statement is the periodic statement you will receive for each billing cycle, showing the\ntransactions and fees and interest charges during that billing cycle.\n\xe2\x80\xa2 We, us or our is Capital Community Bank, the issuer of the Today Card, and its agents,\nauthorized representatives, successors, and assignees.\n\xe2\x80\xa2 You or your is each person who applied for and opened the account, any person who agrees to\nbe responsible for paying the account, and any person responsible for complying with this\nAgreement.\nA.\nYOUR ACCOUNT\n2.\nDOCUMENTS: The following documents govern your account with us:\n\xe2\x80\xa2\nthis Agreement;\n\xe2\x80\xa2\nall statements;\n\xe2\x80\xa2\nany privacy notices;\n\xe2\x80\xa2\nall disclosures and materials provided to you before or when you opened your account;\n\xe2\x80\xa2\nany other documents and disclosures relating to your account, including those provided\nonline and on your card mailer; and\n\xe2\x80\xa2\nany future changes we make to any of the above, to the extent permitted by law.\n3.\nACCOUNT INFORMATION: We need certain information about you to manage your account,\nincluding:\n\xe2\x80\xa2\nyour legal name;\n\xe2\x80\xa2\na valid U.S. mailing address (your residence);\n\xe2\x80\xa2\nyour date of birth;\n\xe2\x80\xa2\nyour Social Security number or other government identification number;\n\xe2\x80\xa2\nyour telephone number(s); and\n\xe2\x80\xa2\nyour employment and income information.\nYou must tell us when this information changes. We may ask you for additional documents to verify any\nchanges. We may restrict or close your account if we cannot verify your information, or if you do not\nprovide it as requested.\n\nVersion 2.0\n\n\x0c4.\nVERIFICATION OF INFORMATION: You authorize us to obtain and/or use information about you\nfrom outside third parties, including credit reporting agencies, to: (1) verify your identity; (2) determine\nyour income and creditworthiness when you apply; (3) verify your current creditworthiness in order to\npresent future credit limit adjustments; (4) qualify you for special offers; and (5) collect amounts you\nowe.\n5.\nCREDIT LIMIT: The amount of your credit limit is disclosed to you on your card mailer and will\nalso be shown on each of your statements. If you make all your payments on time, meet our debt-toincome requirements, keep your account in good standing and maintain your credit profile, you may be\neligible to receive future credit limit increases. We have the right to change your credit limit from time to\ntime, and if we do so, we will tell you. You agree not to make any purchase that would cause your\noutstanding balance to exceed your credit limit. We may, but are not obligated to, extend credit to you\nin an amount that exceeds your credit limit. You must pay us on demand any amount of credit we\nextend that exceeds your credit limit. If we extend credit over your credit limit, we will not be required\nto do so again, and it is not a waiver of any of our rights. We may restrict your ability to make additional\npurchases if you exceed your credit limit.\n6.\nSERVICING COMMUNICATIONS: By providing us with your telephone number(s), you consent\nand authorize us to contact you regarding your account at such number(s). We may contact you by using\nany lawful means of communication, including, but not limited to, calls placed to your mobile or other\nphone using an automated dialing service, pre-recorded message or text message. Standard text\nmessaging and/or calling charges may apply. By providing us with your e-mail address, you agree to\nreceive correspondence electronically from us. We may communicate with you by e-mail for any lawful\nbusiness purpose. You authorize us to listen to and record telephone calls with you to evaluate the\nquality of service or for any other lawful purpose, if permitted under applicable law.\nAt application you provided your consent to receive electronic disclosures. You must notify us if your,\nemail address changes. To notify us of your new email address, please update your contact information\non the Personal Information page of your online account at www.todaycard.com, or call us at 1-833-2042600. You may obtain a paper copy of a Disclosure we have provided by; printing it yourself, calling 1866-686-2123 or writing us at: PO Box 84032 Columbus, GA 31908-4032. There is no fee for the delivery\nof paper copies of any Disclosure provided to you electronically under this agreement, excluding a\nstatement, for which you will incur a Paper Statement Fee. You have the right to withdraw your consent\nto receive disclosures electronically; however, if you do you will incur a Paper Statement Fee per\nstatement that we mail to you. Note: that it may take up to the three business days from receipt to\nprocess your withdrawal request.\n7.\nCARD USAGE: You may use your account to make purchases of goods or services from\nmerchants where the card is accepted. Each purchase you make will reduce your available credit until it\nis repaid. You may not use your card for any illegal purposes. You agree that we will have no liability if\n(1) a merchant refuses to honor your card, (2) technical difficulties prevent a transaction from being\nauthorized, (3) authorization is declined because your account is over the credit limit or delinquent, or\n(4) credit has been restricted because of any term of this Agreement.\n8.\nAUTHORIZED USERS: At your request, and at our discretion, we may issue an additional card in\nthe name of an authorized user. Such card may have a different card number but can be used to make\npurchases under your account. By designating an authorized user, you agree that (1) you will be solely\nresponsible for the use of your account by an authorized user, including any transactions made by the\nauthorized user and any interest charges or fees that result; (2) we reserve the right to terminate the\nprivileges of an authorized user; and (3) you can request the removal of the authorized user by\ncontacting us at any time, as outlined below. If we receive conflicting instructions from one or more\nusers of your account, or if we have reason to believe there is a dispute between users, we may: (1)\nrefuse to act on any conflicting instructions; (2) restrict the account and deny access to all users until the\n\nVersion 2.0\n\n\x0cdispute is resolved; or (3) terminate the account. We may allow you to set different spending limits for\nauthorized users (up to the maximum credit limit of your account), and any transactions will be\nseparated by authorized user on your statement.\nRemoving an authorized user: If you want to remove an authorized user from your account, you must\ncontact customer service at 1-866-686-2123 to request their removal. You also must immediately destroy\nall cards in their possession and cancel any arrangements they may have set up on your account. They\nwill be able to use your account until you have notified us that you are removing them from your\naccount. During this time, you will still be responsible for all amounts they charge to your account. You\nwill be responsible even if these amounts do not appear on your account until later. Authorized users\nmay remove themselves from your account upon request. We reserve the right to remove them from\nyour account for any reason. To remove them from your account, we may close your existing account\nand issue a new card with a new account number.\n9.\nLOST OR STOLEN CARDS: If any card is lost or stolen, or if you believe your account may be used\nwithout your authorization, you must notify us immediately by calling us at 1-866-686-2123 or writing us\nat P.O. Box 84032, Columbus, GA 31908-4032. You will not be liable for any unauthorized use that\noccurs after you notify us. You may, however, be liable for unauthorized use that occurs before your\nnotice to us.\n10.\nFOREIGN CURRENCY TRANSACTIONS: If a transaction is made in a foreign currency, the\ncompany processing that transaction will convert the transaction into a U.S. dollar amount, and we will\ncharge your account for the converted amount. The currency exchange will be done by a method and at\na rate determined by the company that processes the transaction. The exchange rate in effect on the\nprocessing date may be different from the exchange rate in effect on the transaction date or the posting\ndate. If you make a return or get a refund, the same procedures apply.\n11.\nUSING A PIN: We may give you a personal identification number (PIN) that may be needed for\nsome foreign transactions. The PIN cannot be used for cash advances. For security reasons, you may\nhave to provide the PIN before you are able to use your card. Keep your PIN secure. Do not write it\ndown, give it to anyone, or keep it with your card. If you lose your card or believe the confidentiality of\nyour PIN has been compromised for any reason, you must contact Customer Service at 1-866-686-2123\nimmediately.\n12.\nSPECIAL OFFERS: We may, at our discretion, make special offers to you at any time. Such offers\nmay apply to all transactions or balances on your account, or only to some transactions or balances. We\nwill provide to you the terms of any special offer and tell you how they differ from this Agreement.\nExcept as provided in any special offer, the rest of this Agreement will still apply to your account.\n13.\nCREDIT REPORTING: We may report information about your account to credit bureaus and\nothers. Late payments, missed payments, or other defaults on your account may be reflected in your\ncredit report. Information we provide may appear on your and the authorized users\xe2\x80\x99 credit reports.\nIf you believe that we have reported inaccurate information about your account to a credit bureau or\nother consumer reporting agency, notify us in writing at Today Card, Attn: Disputes, P.O. Box 84032,\nColumbus, GA 31908-4032. When you write, tell us the specific information that you believe is incorrect\nand why you believe it is incorrect.\n14.\nCLOSING OR SUSPENDING YOUR ACCOUNT: You may contact Customer Service at 1-866-6862123 to ask us to close your account at any time for any reason. We may reduce the credit limit or\nterminate your ability to make purchases or receive additional credit under this Agreement at any time\nwithout notice, unless notice is required by law, even if you are not in default. If we close or suspend\nyour account for any reason, you must stop using your card. You must also cancel all recurring billing\narrangements set up on the account. If we close or permanently suspend your account, you must\ndestroy all cards.\n\nVersion 2.0\n\n\x0cIf your ability to receive additional credit under this Agreement is terminated, either by you or by us,\nyour obligations and our rights under this Agreement remain effective until all amounts due under this\nAgreement have been paid in full. If you are not in default at the time of termination, you may pay off\nany balance under the terms of this Agreement that apply at that time.\n15.\nDEFAULT: You will be in default under this Agreement if any of the following events occur:\n(1) you fail to make any payment required under this Agreement when due; (2) you fail to perform any\nof your obligations under this Agreement; (3) you exceed the credit limit or available credit according to\nour records; (4) you provide false, inaccurate or misleading information to us; (5) any action is taken by\nor against you under any bankruptcy or insolvency laws; (6) you are declared incompetent or are\ndeceased; (6) you fail to maintain the security of your account; (7) you use any robot, software, other\nautomatic device, or manual process to disrupt the functionality or compromise the security of our\nwebsite and systems; or (8) anything else happens that causes us, in our sole discretion, to reasonably\nbelieve that your account may not be repaid.\nIf you default, all amounts you owe under this Agreement will become immediately due and payable in\nfull. You also must also destroy all cards issued to you in connection with the account. Default does not\nrelease you from any obligation you have agreed to under this Agreement. After default, your\nobligations and our rights under this Agreement will remain effective until all amounts due under this\nAgreement have been paid in full.\nB.\nBILLING, FEES & STATEMENTS\n16.\nINTEREST, FEES AND CHARGES\n\xe2\x80\xa2 Grace Period; Paying Interest: Your payment due date is at least 25 days after the close of each\nbilling cycle. If you pay the new balance, as provided on your statement, in full by the payment due\ndate on your statement, we will not charge interest on any new transactions that post to the\npurchase balance. If you have been paying your account in full with no interest charges, but then fail\nto pay your next new balance in full, we will charge interest on the portion of the balance that you\ndid not pay.\n\xe2\x80\xa2 Computing Interest: The interest charge calculation begins on the date a transaction is made,\nsubject to any applicable grace period. Interest charges accrue on every unpaid amount until paid in\nfull. We use a method called \xe2\x80\x98average daily balance (including new purchases)\xe2\x80\x99 to calculate interest\ncharges. This balance is figured by adding the outstanding balance (including new purchases and\ndeducting payments and credits) for each day in the billing cycle, and then dividing by the number of\ndays in the billing cycle. If you are charged interest charges, the charge will be no less than $1.00.\n\xe2\x80\xa2 Interest Rate: We calculate the Daily Periodic Rate by dividing the applicable APR by 365. The\ninterest rates that apply to your account are shown on the account Opening Disclosures that\naccompany your card mailer and each statement. The APR is a variable rate equal to the Prime Rate\nplus the margin shown on the card mailer. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d is the U.S. Prime Rate published in The\nWall Street Journal on the last business day of the month. Your APR is variable and can go up or\ndown as the index for the rate goes up or down. If we increase your APR for any other reason, we\nwill notify you as required by law. If your APR increases, the amount of interest charges you will owe\nand the minimum payment may increase.\n\xe2\x80\xa2 Other Charges and Fees: You agree to pay the following fees, as applicable:\no Set-Up and Maintenance Fees:\n- Annual Fee. The amount of your annual Fee is shown on your card mailer. The annual\nFee will be billed to your account starting when we issue the card and will continue\nthroughout the duration of your account. Payment of the fee is a condition for\nmaintaining the account. The fee will be charged regardless of whether you use your\naccount and is not refundable even if your account is closed for any reason by either\n\nVersion 2.0\n\n\x0cyou or us. We may, at our discretion, elect to reduce your annual fee for on time\npayment history.\n- Additional Card Fee. $10.00 for each additional card requested for authorized users of\nthe account.\no Transaction Fees:\n- Foreign Currency Transaction Fee. Three percent (3%) of the U.S. dollar amount of any\ntransaction made in a foreign currency. We may charge this Fee for each transaction\n(including returns and refunds) at the time the transaction is posted to your account.\nFor additional information, see Section 10 - Foreign Currency Transactions above.\no Penalty Fees:\n- Late Payment Fee. Up to $29.00 if we do not receive at least the minimum payment by\nthe payment due date (or the next business day if your payment due date is not on a\nbusiness day). We may charge up to $40.00 for the second late payment within the\nsame or the next six (6) billing cycles. This fee will never be more than the full amount\nof the minimum payment on your previous statement.\n- Returned Payment Fee. Up to $29.00 if a check or similar instrument or any debit for\npayment on your account is returned unpaid for any reason. We may charge up to\n$40.00 for the second payment that is returned unpaid within the same or the next six\n(6) billing cycles. This fee will never be more than the full amount of the minimum\npayment on your previous statement.\no Other Fees:\n- Paper Statement Fee. $5.00 for each paper copy of a monthly statement requested.\nFast Card Fee. $25.00 for expedited processing of a new or additional card.\n17.\nSTATEMENTS: We will send you a statement at the end of each billing cycle if your account then\nhas a credit or debit balance, or we are required to do so by applicable law. You should review your\nstatement as soon as you get it and tell us immediately about any errors or questions you have (as\nprovided in Section 18 - Your Billing Rights below). Along with other information, each statement will\nshow all transactions during your billing cycle, your new balance, the minimum payment, and your\npayment due date. Your statement is available electronically at www.todaycard.com. We will send\nnotification of your statements to the most recent email address and your mailing address if you choose\nto receive paper statements. You agree to notify us promptly of any changes to your address or email\naddress.\n18.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE 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 P.O. Box 84032, Columbus, GA 31908-4032\nas soon as possible. In your letter, give us the following information:\n\xe2\x80\xa2\naccount information: Your name and account number.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of problem: 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\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nVersion 2.0\n\n\x0cYou must notify us of any potential errors in writing. 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.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent on the amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest charges on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in question or any interest charges or\nother fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest charges and fees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf 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\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled\nbetween us. If we do not follow all of the rules above, you do not have to pay the first $50 of the\namount 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 Your card, and you have\ntried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\nYou must have used your credit card for the purchase.\n2.\nYou 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\nToday Card, Attn: Billing Dispute P.O. Box 84032, Columbus, GA 31908-4032.\nWhile 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\nnot pay, we may report you as delinquent.\nC.\nPAYMENTS\n19.\nPROMISE TO PAY: You promise to pay us all amounts due on your account, as provided in your\nmonthly statement. This includes amounts where you did not sign a purchase slip or other documents\nfor the transaction, and transactions you make without presenting your card. If you let someone else use\n\nVersion 2.0\n\n\x0cyour card or account, including an authorized user, you are responsible for all transactions that other\nperson makes.\n20.\nMINIMUM PAYMENTS: You may pay your entire balance at any time without penalty. You must\npay the minimum payment each billing cycle by the payment due date.\n\xe2\x80\xa2 If the new balance shown on your statement for any billing cycle is less than $30.00, the\nminimum payment for that cycle will equal the new balance.\n\xe2\x80\xa2 If the new balance for any billing cycle equals or exceeds $30.00, the minimum payment for\nthat cycle will be the greater of:\no $30.00 or\no the sum of:\n\xe2\x96\xaa (1) five percent (5%) of the new balance (subtracting any unpaid interest\ncharges or unpaid fees for the current billing cycle); plus\n\xe2\x96\xaa (2) the total of any unpaid interest charges and unpaid fees.\nPlus, any unpaid Minimum Payments Due from earlier billing cycles and any amount of\nyour new balance that exceeds your credit limit.\nYou will not owe us any additional charge for early payment. You may pay more than the minimum\npayment at any time without penalty. If you pay more than the minimum payment in one billing cycle,\nyou still must pay the full minimum payment in each billing cycle. You cannot increase your available\ncredit by paying more than the unpaid balance on the account.\n21.\nMAKING PAYMENTS: Each payment required under this Agreement must be made on or before\nthe payment due date shown on your monthly statement. You must pay us in U.S. dollars, by electronic\npayment (ACH or debit card) or by mailing your personal check or money order, along with the payment\nstub from your statement, to the address shown on that statement. Do not send cash. If you do not\nfollow these instructions, we may not be able to credit the payment for up to five (5) business days after\nwe receive it. All payments on the account received by 5:00 p.m. during our normal business day at the\naddress shown on your statement are considered to have been made on the date received at that\naddress. We will apply your payments to the unpaid balance of the account in the order and manner we\ndecide, unless restricted by an applicable law.\n22.\nPOSTDATED CHECKS AND IRREGULAR PAYMENTS: You agree that we will not examine any\npayment check to confirm that it is not postdated, and that we may deposit any postdated check for\npayment to us on the day we receive it. Any payment submitted in offer of settlement of a disputed\ndebt, including any check containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d must be sent to the following\naddress: P.O. Box 2166, Columbus, GA 31902-2166. If you do not forward any check or other payment\nmarked \xe2\x80\x9cpaid in full\xe2\x80\x9d to the above address, we can accept late payments or partial payments, or checks\nor other payments marked with similar notations, without losing any of our rights under this Agreement,\nincluding our right to seek payment of the full balance of your account.\n23.\nCREDIT BALANCES: We may reject any payment that creates or adds to a credit balance on your\naccount. Any credit balance we allow will not be available until your payment has cleared, and we may\nreduce the amount of any credit balance by any new purchases. You can write to the address provided\non your statement or call Customer Service to request a refund of any available credit balance.\nD.\nLEGAL DISCLOSURES\n24.\nARBITRATION AGREEMENT:\nBoth parties to this Agreement voluntarily agree to arbitrate any claim, as defined below, covered by\nthis Agreement, and thereby waive any right to a jury trial or court proceedings or participate in a class\naction unless this arbitration provision is rejected as explained below. This arbitration provision does not\napply to \xe2\x80\x9ccovered borrowers\xe2\x80\x9d as defined in the Military Lending Act.\n\nVersion 2.0\n\n\x0cREAD THIS ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW\nLEGAL CLAIMS ARE RESOLVED. YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS\nDESCRIBED BELOW.\nIf you do not reject this Arbitration Provision and a Claim is arbitrated, neither you nor we will have the\nright to: (1) have a court or a jury decide the Claim; (2) engage in information-gathering (discovery) to\nthe same extent as in court; (3) participate in a class action, private attorney general or other\nrepresentative action in court or in arbitration; or (4) join or consolidate a Claim with claims of any other\nperson. The right to appeal is more limited in arbitration than in court and other rights in court may be\nunavailable or limited in arbitration.\n(a) Special Definitions: As used in the Arbitration Provision, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Capital\nCommunity Bank and its successors and assigns and any of its employees, officers and directors. \xe2\x80\x9cYou\xe2\x80\x9d\nmeans you the cardholder(s) and any authorized users.\n(b) Your Right to Reject: If you don\xe2\x80\x99t want this Arbitration Provision to apply, you may reject it by\nmailing us a written rejection notice which contains all of the following: (i) the date of this Agreement;\n(ii) your names, addresses and phone numbers; and (iii) a statement that you reject the Arbitration\nProvision of this Agreement. The rejection notice must be sent by certified mail, return receipt\nrequested, to P.O. Box 84032, Columbus, GA 31908-4032. A rejection notice is only effective if it is\nsigned by you and if we receive it within sixty (60) days after the date of this Agreement. If you reject\nthis Arbitration Provision, it will not affect any other provision of this Agreement. If you don\xe2\x80\x99t reject this\nArbitration Provision, it will be effective as of the date of the Agreement.\n(c) Federal Arbitration Act: The parties agree and acknowledge that this Arbitration Provision and this\nAgreement evidence a transaction involving interstate commerce and, therefore, a federal statute, the\nFederal Arbitration Act (Title 9 of the United States Code) (\xe2\x80\x9cFAA\xe2\x80\x9d), shall govern the interpretation and\nenforcement of this Arbitration Provision and proceedings pursuant thereto. To the extent state law is\napplicable under and is not preempted by the FAA, the law of the state applicable under the paragraph\nof this Agreement titled \xe2\x80\x9cGoverning Law\xe2\x80\x9d shall apply.\n(d) What Claims Are Covered: \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy between you and us,\nwhether preexisting, present or future, that in any way arises from or relates to this Agreement. \xe2\x80\x9cClaim\xe2\x80\x9d\nhas the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and thirdparty claims, federal, state, local and administrative claims and claims which arose before the effective\ndate of this Arbitration Provision. It includes disputes based upon contract, tort, consumer rights, fraud\nand other intentional torts, constitution, statute, regulation, ordinance, common law and equity and\nclaims for monetary damages and injunctive or declaratory relief. \xe2\x80\x9cClaim\xe2\x80\x9d includes any dispute or\ncontroversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part\nthereof, to the extent permitted by law.\n(e) Electing Arbitration; Starting an Arbitration Proceeding: Either you or we may elect to arbitrate a\nClaim by giving the other party written notice of the intent to arbitrate the Claim or by filing a motion to\ncompel arbitration of the Claim. This notice may be given before or after a lawsuit has been filed\nconcerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by\npapers filed in the lawsuit.\n(f) Choosing the Administrator: The arbitration administrator will be: American Arbitration Association\n(\xe2\x80\x9cAAA\xe2\x80\x9d), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org 1-800-778-7879; or JAMS, 620\nEight Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. You may contact\nthese organizations directly if you have any questions about the way they conduct arbitrations or want\nto obtain a copy of their rules and forms (which are also available on their websites). However, if the\nAAA and JAMS are unable or unwilling to serve as administrator, the parties may agree upon another\n\nVersion 2.0\n\n\x0cadministrator or, if they are unable to agree, a court shall select the administrator or arbitrator. No\ncompany may serve as administrator, without the consent of all parties, if it adopts or has in place any\nformal or informal policy that is inconsistent with and purports to override the terms of the Class Action\nWaiver in this Arbitration Provision.\n(g) The Arbitrator: A single arbitrator will be appointed by the administrator and must be a practicing\nattorney with ten or more years of experience or a retired judge.\n(h) Class Action Waiver: Notwithstanding any other provision of this Agreement, neither you nor we\nwill have the right: (a) to participate in a class action, private attorney general action or other\nrepresentative action in court or in arbitration, either as a class representative or class member; or (b) to\njoin or consolidate Claims with claims of any other persons (thus, Claims brought by or against one\nCustomer (or Co-Customer) may not be joined or consolidated in the arbitration with Claims brought by\nor against any other Customer). No arbitrator shall have authority to conduct any arbitration in\nviolation of this provision or to issue any relief that applies to any person or entity other than you and/or\nus individually. If the Class Action Waiver is limited, voided or found unenforceable, then this Arbitration\nProvision (except for this sentence) shall be null and void with respect to such proceeding, subject to the\nright to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and\nagree that under no circumstances will a class action be arbitrated.\n(i) Location of Arbitration: Any arbitration hearing that you attend must take place at a location\nreasonably convenient to your residence.\n(j) Cost of Arbitration: At your written request, we will pay all filing, hearing and/or other fees charged\nby the administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after\nyou have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court\n(whichever is less) in the judicial district in which you reside. In addition, the administrator may have a\nprocedure whereby you can seek a waiver of fees charged to you by the administrator and arbitrator.\nWe will always pay any fees or expenses that we are required to pay by law or the administrator\xe2\x80\x99s rules\nor that we are required to pay for this Arbitration Provision to be enforced. We will not ask you to pay or\nreimburse us for any fees we pay the Administrator.\n(k) Severability and Survival: If any part of this Arbitration Provision, other than the Class Action Waiver,\nis deemed or found to be unenforceable for any reason, the remainder shall be enforceable. This\nArbitration Provision shall survive the repayment of all amounts owed under this Agreement, any legal\nproceeding and any bankruptcy by you, to the extent consistent with applicable bankruptcy law.\n(l) Small Claims Courts. All parties retain the right to seek adjudication in a small claims court for\ndisputes within the scope of such court\xe2\x80\x99s jurisdiction.\n25.\nCHANGE IN TERMS: We may change any term of this Agreement or add new terms to this\nAgreement at any time upon notice to you as required by law. At our option, any change will apply both\nto new activity and to your outstanding balance, as permitted by law.\n26.\nCHANGES TO YOUR AGREEMENT: At any time, we may add, delete or change any term of this\nAgreement, unless the law prohibits us from doing so. We will give you notice of any changes as\nrequired by law. We may notify you of changes on your statement or in a separate notice. Our notice will\ntell you when and how the changes will take effect. The notice will describe any rights you have in\nconnection with the changes. Your variable APR can go up or down as the index for the rate goes up or\ndown.\n27.\nNOTICES: Any notices given under this Agreement or relating to the account will be effective\nonly if given in writing to us at P.O. Box 84032, Columbus, GA 31908-4032, and to you at your current\naddress or email address shown on our records. You agree to notify us immediately if your address or\nemail address changes from what you provided on your application.\n\nVersion 2.0\n\n\x0c28.\nASSIGNMENT: This Agreement will be binding on, and benefit, any of your and our successors\nand assigns. You may not sell, assign or transfer your account or this Agreement to someone else\nwithout our written permission. We may sell, assign or transfer your account and this Agreement\nwithout your permission and without prior notice to you. Any assignee or assignees will take our place\nunder this Agreement. You must pay them and perform all of your obligations to them and not us. If you\npay us after we notify you that we have transferred your account or this Agreement, we can return the\npayment to you, forward the payment to the assignee, or handle it in another way that is reasonable.\n29.\nWAIVER: We will not lose any of our rights if we delay or choose not to take any action for any\nreason. We may waive our right without notifying you. For example, we may waive your interest charges\nor fees without notifying you and without losing our right to charge them in the future.\n30.\nGOVERNING LAW; SEVERABILITY: This Agreement and your account will be governed by\n(1) federal law, and (2) to the extent not preempted by federal law, the laws of Utah, without regard to\nits conflicts of law provisions. We accepted this Agreement in Utah. If any provision of this Agreement\nconflicts with the law, you agree the provision will be viewed as if it was amended to comply with the\nlaw. If that is not possible, then only the provision that conflicts with the law will be deleted. The\nremaining provisions of this Agreement will remain effective.\n31.\nSTATE LAW DISCLOSURES:\nMaryland Residents: You have the right under section 12-510 of the Commercial Law Code to receive\nan answer to a written inquiry concerning the status of your account. Finance charges will be imposed in\namounts or at rates not in excess of those permitted by law.\nNew Jersey Residents: Because certain provisions of this Note are subject to applicable laws, they may\nbe void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void,\nunenforceable or inapplicable in New Jersey.\nWisconsin Residents: No provision of a marital property agreement, a unilateral statement under\nsection 766.59 or a court decree under section 786.70 adversely affects the interest of the creditor\nunless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement,\nstatement or decree or has actual knowledge of the adverse provision when the obligation to the\ncreditor is incurred.\nCardmembers: Your signature (including any digital or electronic signature), address and the date on\nthe application, or other evidence of indebtedness, or your acceptance of these Terms and Conditions\nthrough an electronic transmission to us represents your signature, address and the date on these\nTerms and Conditions, which are incorporated herein by reference.\nRetail Installment Credit Agreement\nNOTICE TO THE BUYER - 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT\nCONTAINS BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT\nAGREEMENT. 3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT, OR YOUR ENTIRE\nBALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE FOR PREPAYMENT.\n\nVersion 2.0\n\n\x0c'