b'Truliant Federal Credit Union\n\n494800\n\nVISA PLATINUM REWARDS\n\xc2\xae\n\nVISA PLATINUM REWARDS \xe2\x80\x94 VARIABLE RATE\n\nAccount Opening Disclosure\nand Pricing Information\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases, Balance Transfers, and\nCash Advances\n\n3.90% introductory APR for the first\nsix months that your Account is open.\nAfter that, your variable APR will be:\n\n11.99%\n\nThis APR will vary with the market based\non the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\n$15.00\nNone\nup to $25.00\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\nCREDIT CARD AGREEMENT\nNOTICE: See \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d section for important\ninformation regarding your rights to dispute billing errors.\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the card or\nwho sign this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Platinum Rewards Credit Card and any duplicates\nand renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Platinum Rewards Credit Card Line of Credit\nAccount with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means this Credit Union.\n(Continued on next page)\n494800 (04/01/2021)\n\n\x0c1. Using the Card. You may use the Card issued to you to make purchases in person, online and by mail or telephone from merchants and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions participating in the VISA program and from automated teller machines (ATMs), such as VISA ATM Network, that provide\naccess to the VISA system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to\nobtain a Cash Advance from an ATM. The monthly statement will identify the merchant, electronic terminal or financial institution at\nwhich transactions were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement. You should\nretain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may\nmake a reasonable charge for photocopies of slips you request. You may not use your Card for any transaction that is illegal under\napplicable federal, state or local law.\n2. Responsibility. If we issue you a Card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the Card\nand the Card Account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are\nalso responsible for charges made by anyone else to whom you give the Card and this responsibility continues until the Card is\nrecovered. You cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request\nand return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other\ncourt judgment to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person\nusing the Card is jointly responsible with you for charges he or she makes, but if that person signs the Card he or she becomes a\nparty to this Agreement and is also jointly responsible for all charges on the Account, including yours.\n3. Military Lending Act. If you are a covered borrower under regulations related to the Military Lending Act, federal law provides\nimportant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation\nfees for a credit card account). Please call us at 1-855-878-0499 to receive oral disclosures.\n4. Convenience Checks. We may supply you with personalized Convenience Checks which may be used to obtain Cash Advances\non your VISA Account. Only the person whose name is printed on a Convenience Check may sign it. The following other conditions apply to the use of Convenience Checks: (a) you may not use one to make a payment on any obligation to the Credit Union,\n(b) it must be written for only U.S. dollars, (c) it cannot be postdated (show a future date), (d) it cannot be certified, (e) it will not be\nhonored if you are in default to the Credit Union under this agreement or any other agreement with the Credit Union, (f) it cannot be\nfor an amount greater than the remaining credit available in your Credit Line, and (g) it will not be honored if it has been reported\nlost or stolen. The Credit Union will have no liability for failure to honor a check for any of the foregoing reasons. The Credit Union\nmay charge a fee (up to $25.00 as of 04/01/2021) if we do not honor your check. Any Convenience Check that the Credit Union\npays will be treated as a Cash Advance for your Account.\n5. Lost Card Notification. If you believe the Card has been lost or stolen, you will immediately call the Credit Union at\n800-822-0382 or 800-442-4757.\n6. Liability for Unauthorized Use. You may be liable for the unauthorized use of your credit Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft or possible unauthorized use.\nIn any case, your liability will not exceed $50.00 for unauthorized cash advances at ATMs. You will have no liability for unauthorized\npurchases made with your Card.\n7. Credit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its\namount when we issue the Card. You agree not to let the Account balance exceed this approved Credit Line. Each payment you\nmake on the Account will restore your Credit Line by the amount of the payment which is applied to principal. You may request\nan increase in your Credit Line only by written application to us, which must be approved by us. By giving you written notice we\nmay reduce your Credit Line from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause\nincludes your failure to comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate\nthis Agreement at any time, but termination by either of us does not affect your obligation to pay the Account balance. All Cards\nremain our property and you must recover and surrender to us all Cards upon our request and upon termination of this Agreement.\n8. Credit Information. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account and\nyou authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by applicable law.\n9. Monthly Payment. We will mail you a statement each month showing your previous balances of Purchases, Balance Transfers,\nand Cash Advances, current transactions on your Account, the Minimum Payment required, and other information. Each month you\nmust pay at least the Minimum Payment within 25 days of your statement closing date. You may, of course, pay more frequently,\npay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the FINANCE CHARGE by doing\nso. Your Minimum Payment will be either (a) 2% of your Total New Balance, or $20.00, whichever is greater, or (b) your Total New\nBalance if it is less than $20.00. In addition, you must pay any portion of the Minimum Payment(s) shown on prior statement(s)\nwhich remain unpaid. If at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon\nour demand. Unless you otherwise instruct, we may apply your payments in such manner as we may elect.\n10. Finance Charges. A FINANCE CHARGE will be imposed on all outstanding balances in your Account from the time they are\nposted to your Account; however, you can avoid FINANCE CHARGES on Purchases by paying the full amount of the New Balance\nof Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases will be subject\nto a FINANCE CHARGE. Cash Advances and balance transfers are always subject to FINANCE CHARGE from the date that they\nare posted to your Account.\nThe periodic rate that will be applied to the balances in your Account is a variable rate based on the value of an index. The periodic\nrate applicable to your account as of April 1, 2021 was .0328493% (corresponding ANNUAL PERCENTAGE RATE 11.99%).\nThe index is the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Wall Street Journal, Eastern Edition, on the 25th day of each month\n(or the next day that the Wall Street Journal is published if it is not published on the 25th day of the applicable month). Your\nANNUAL PERCENTAGE RATE will be such prime rate plus 8.74%. Your daily periodic rate will be such ANNUAL PERCENTAGE\nRATE divided by the number of days in the year. Any change in the periodic rate will be effective on the 1st day of your next\nbilling cycle beginning after the first day of the next calendar month. The interest rate applied to your Account will increase if the\nPrime Rate increases. Any increase in the periodic rate may increase the number of payments required to pay your Account\nbalance in full, and may cause your minimum payment to increase. Your daily periodic rate will not exceed .049315% (18%\nANNUAL PERCENTAGE RATE).\nYour FINANCE CHARGE is based upon the average daily balance in your Account for the number of days in the billing cycle. The\naverage daily balance in your Account is determined by taking the beginning balance in your Account each day, adding any\nnew Purchases, Balance Transfers, and Cash Advances and subtracting any payment or credits. This gives us the daily balance.\nThen we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The FINANCE CHARGE is determined by multiplying the average daily balance by the daily\nperiodic rate, and then by multiplying that product by the number of days in the billing cycle.\n\n\x0c11. Other Charges. The following other charges will be added to your Account, as applicable: 1) If you are 10 days late in\nmaking a payment, you will be charged $15.00; 2) If the Credit Union does not honor a convenience check, you may be\ncharged a non-sufficient funds fee in effect at the time the check is dishonored (up to $25.00 as of 04/01/2021). 3) If your\naccount is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\n12. Annual Maintenance Charge. You agree to pay an Annual Maintenance Charge for your VISA Account as follows:\nVISA Platinum Rewards - $0.00.\nExcept as otherwise provided by law, your Annual Maintenance Charge is not refundable and will be charged to your Account as a\nPurchase. An Annual Maintenance Charge will be imposed as long as your Account has an unpaid balance.\n\n13. Default. You will be in default if you fail to make any Minimum Payment or other required payment by the date that it is due.\nYou will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy\nor become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right\nto demand immediate payment of your full Account balance without notice. If immediate payment is demanded, you will continue\nto pay FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were\ngiven as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit\nUnion\xe2\x80\x99s collection expenses, including court costs and reasonable attorneys\xe2\x80\x99 fees.\n14. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they\nwill do so by sending us a credit slip which we will post to your account. If your credits and payments exceed what you owe us, we\nwill hold and apply this credit balance against future purchases, balance transfers, and Cash Advances, or, if it is $1.00 or more,\nrefund it on your written request.\n\n15. Amendment to Agreement. We may amend this Agreement at any time upon such notice as is required by applicable law.\nUnless the law otherwise provides, notice of amendment shall be mailed or delivered to you at least 15 days prior to the effective\ndate of a change. Any amendments (including amendment of interest rate, interest rate formula or fees) will apply not only to future\ntransactions, but also to all Account balances outstanding on and after the effective date of the change.\n16. Foreign Transactions. To the extent that you have used your VISA card to purchase goods or services, or obtain cash in another\ncountry, your statement may reflect the conversion into U.S. dollars of transactions which occurred initially in a different currency.\nCurrently, VISA U.S.A. regulations provide that the exchange rate is either (1) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives, or\n(2) the government-mandated rate in effect for the applicable central processing date. VISA U.S.A. charges an International Service\nAssessment (ISA) fee of 1% which will be applied to each international transaction when foreign currency is converted. The ISA will\nappear as a separate transaction on your statement.\n17. Plan Merchant Disputes. Except as provided by law, we are not responsible for the refusal of any plan merchant or financial\ninstitution to honor your Card. For a statement of your billing rights and our obligations with respect to disputes with plan merchants,\nsee the statement: \xe2\x80\x9cYOUR BILLING RIGHTS,\xe2\x80\x9d which forms a part of this Agreement and disclosure.\n18. Agreement. This Agreement is the contract which applies to all transactions on your Account even though the Purchase slips,\nbalance transfer requests, Cash Advance slips, credit or other slips you sign or receive may contain different terms. We may assign\nour rights under this Agreement. If we do, any amounts due on your Account shall belong to our assignee.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\n20. Statements and Notices. You will receive a statement each month showing transactions on your Account. Statements and\nnotices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n21. Closing or Suspending Your Account. You may contact a member service representative to close your Account. Truliant\nmay close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or\nsuspend your Account for any reason, you must stop using your Card but you must still pay us all amounts you owe on the Account.\nSecurity Interest \xe2\x80\x93 You grant us a security interest in all individual and joint share and/or deposit accounts you have with\nus now and 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 interest\nyou have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you\nare in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have\nan unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nYou are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and\nyou intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods\nwhen you are a covered borrower under the Military Lending Act.\n\nDESCRIPTION OF REWARDS PROGRAM\n1. You will earn rewards (\xe2\x80\x9cpoints\xe2\x80\x9d) for purchases of all eligible goods and services using the Platinum Rewards Credit Card\n(\xe2\x80\x9cCard\xe2\x80\x9d). For point accumulation rate please access your Rewards card account via online banking at Truliant.org or contact us\nfor detailed information.\n2. Accrual of points may begin on the date you receive the Card and the Card Agreement.\n3. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Card during each periodic billing cycle (\xe2\x80\x9cbilling cycle\xe2\x80\x9d) by you (\xe2\x80\x9cnet purchase(s)\xe2\x80\x9d). Net purchases are\nrounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the\ntransaction will be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.\n4. Points earned in integrated/custom programs can accumulate collectively to one account as permitted by us.\n5. Points may not be combined with any other loyalty/frequency reward program.\n6. Points will not be earned or accumulated for cash advances, convenience checks, traveler\xe2\x80\x99s check purchases, finance charges,\nbalance transfers, late fees, annual fees, over-limit fees, transaction fees, returned check fees, ATM transactions and fees or PIN\ntransactions. At our option, additional exclusions may be included in the rules governing the rewards program.\n7. Please contact the rewards customer service department at 866-678-5189 for information about any maximum point accumulation that applies to your program.\n8. We reserve the right to award bonus points to selected cardholders.\n9. Points are not your property and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic\nrelations matter).\n\n\x0c10. To view when your points expire, please visit Truliant.org and access your Rewards card account through online banking.\n11. To redeem points, your Card account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason);\ncurrent (meaning there are no past-due balances on your Card account(s) at the time of redemption request); your outstanding\nbalance must not be over the credit limit; account must not have a revoked, charged-off or bankruptcy status; and the Card cannot\nhave any other status preventing authorizations.\n12. You agree to release us, the Rewards Provider and its vendors from all liability for any injury, accident, loss, claim, expense\nor damages sustained by you, associated with a reward or use of rewards while participating in this program and in the case of a\ntravel reward, anyone traveling with or without you, in connection with the receipt, ownership, or use of any reward. The foregoing\nentities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of\nthe reward.\n13. You are responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning\ntax consequences.\n14. We and the Rewards Provider shall have no liability for disagreements with you regarding points. Discrepancies about point\nearnings are not treated as card billing disputes. Our decisions regarding point discrepancies shall be final. Redeemed points are\ndeducted from your point balance as of the request date of a reward.\n15. Points can only be redeemed based on the points available at the redemption center.\n16. Points cannot be offset against your obligation to us.\n17. Points must be redeemed by you and may be used for another person.\n18. We reserve the right to disqualify you from participation in the program and invalidate all points for abuse, fraud, or any violation of the program terms and conditions. We may make such a determination in our sole discretion.\n19. The rewards program is void where prohibited by federal, state, or local law.\n20. We and the Rewards Provider are not responsible for typographical errors and/or omissions in any program document.\n21. We reserve the right to change the terms and conditions of the rewards program. At our option, redemption of points may be\nrestricted, limited, expired or cancelled at any time without prior notice.\n22. The rewards program is a service provided through Augeo Consumer Engagement Services, LLC, and us. In the event of fraud,\nabuse of program privileges or violation of the program rules (including any attempt to sell, exchange or transfer points or the\ninstrument exchangeable for points), we reserve the right to cancel your membership in the rewards program.\n23. Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of\nColumbia.\n\nTRAVEL REWARDS\nCall the Rewards Provider\xe2\x80\x99s travel redemption center or visit the rewards website for all your travel needs. They are a full service\nagency that can assist you with air rewards, hotel, auto, vacation and cruise reservations. The hours of operation for the travel\nredemption center are Monday through Friday from 8:00 a.m. to 9:00 p.m. CST, Saturday and Sunday from 8:00 a.m. to 4:00\np.m. CST.\n1. All Travel must be redeemed through Rewards Provider\xe2\x80\x99s fully licensed redemption reservation center or online reservation site.\nYou must have a valid Card at the time of redemption.\n2. All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance, without paying\nthe standard fees charged by each airline. Changes are subject to authorization by the airline and subject to add-collects and fees\ncharged by the airline and redemption center.\n3. Lost, stolen or otherwise destroyed airline tickets will not be replaced, without you paying the standard fees charged by each\nairline.\n4. You may make additional travel reservations with the Rewards Provider\xe2\x80\x99s travel agency using our Card. The travel agency\xe2\x80\x99s\nnormal and customary fees are billed to your Card for any additional services you require.\n5. All travel documents will be issued the same day the reservation is made.\n6. Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued.\nYou must call in any corrections or discrepancies by the close of business, the same day the ticket is issued. The travel redemption center will do their best to accommodate all changes and requests. Any changes or corrections done the following day or\nthereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.\n7. Paper airline tickets are subject to the individual airline paper ticket fees.\n8. If a paper ticket is issued, you have two options for delivery. You can sign a waiver stating that you accept responsibility for a\nlost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries may be subject to additional shipping charges.\n9. You are responsible for payment of any excess baggage charges, departure taxes or other charges that may have been\nassessed by governmental entities as a result of travel under the rewards program.\n10. Rewards Provider\xe2\x80\x99s normal and customary fees associated with processing travel related services are billed to your Card.\n11. We and Augeo Consumer Engagement Services, LLC are not responsible for the performance by the airlines of the ticketed\ntransportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the\nservice, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by\nthis industry are done quickly and without notice, therefore, Reward redemption rules for air travel are subject to change without\nnotice.\nSpecific restrictions may apply to certain travel rewards.\n\nMISCELLANEOUS\nTravel Credit\nYou may redeem points for a travel credit, which can be applied to any travel reservation including airline tickets and hotel reservations. The travel credit will be immediately applied to the total cost of the travel reservation. You will then be responsible for\npaying the amount remaining after the travel credit is applied to the full value of the travel reservation.\n\n\x0cAirline Ticket\nYou may redeem points for a single lowest published airfare as follows:\n1. Each free ticket must be ordered through the Rewards Provider for one round trip coach class airline ticket on a scheduled\nU.S. or international carrier.\n2. All free tickets must be for round-trip travel on the same airline or code share airline.\n3. En-route stopovers are not permitted unless they are to make direct connections. Reservations for tickets also exclude the\nusage of charters.\n4. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement\nare met.\n5. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.\n\nNON-TRAVEL REWARDS\nMerchandise *\na. When necessary, the Platinum Rewards program Rewards Provider may substitute a reward with an updated model of equal\nor greater value without advance notice. You will be notified of any change when ordering. The Platinum Rewards Provider may\nremove certain items and may replace or remove certain sections within any Rewards program literature or website. All rewards\nare subject to availability.\nb. Merchandise rewards may take four to six weeks to arrive from the time of order. Multiple rewards may arrive at different times\nfrom different vendors.\nc. Merchandise cannot be shipped to an APO/FPO or PO Box addresses.\nd. Merchandise that can be shipped by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto\nRico, Guam and the US Virgin Islands may have an additional freight charge billed to your Card.\ne. Merchandise pictured in any Platinum Rewards program catalog or website may not necessarily reflect exact colors or models\nof actual rewards due to printing variations and/or manufacturers\xe2\x80\x99 updates. Information is accurate to the very best of our knowledge. We and the Rewards Provider are not responsible for errors or omissions.\nf. Points required for reward items are subject to change.\ng. You may exchange merchandise only in the event of merchandise defects or damage in shipment. Any exceptions, damages,\nor shortages must be noted on the delivery receipt before you sign to accept shipment of merchandise.\nh. All merchandise is covered by manufacturer\xe2\x80\x99s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product.\nGift cards, gift certificates and prepaid cards *\na. Points may be redeemed for gift cards or gift certificates from select merchants. Most gift cards or gift certificates are delivered\nwithin 2-4 weeks, to the address specified on the order file with the Rewards Provider, as long as it is within the United States and\nits territories. Points may also be redeemed for prepaid cards. The prepaid cards, issued by Visa\xc2\xae and MasterCard\xc2\xae, may take\nup to 4-6 weeks for delivery and can only be shipped within the United States.\nb. Gift cards, gift certificates and prepaid cards cannot be returned.\nc. All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card, gift certificate\nor prepaid card are your responsibility and are subject to the merchant\xe2\x80\x99s policies in effect at the time of redemption. Purchases in\nexcess of the amount of the gift cards are at your expense.\nd. Gift cards, gift certificates and prepaid cards may also be subject to other restrictions imposed by the merchant. Gift cards\nand gift certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.\ne. Additional terms and conditions may be specified on the gift card, gift certificate, or prepaid card.\nf. If a merchant declares bankruptcy the Rewards Provider is not liable for the underlying funds on the gift card or gift certificate.\ng. No dormancy or service fees will be charged by this Rewards Provider on the underlying funds of the selected reward gift card\nor gift certificate.\nh. Once the gift cards, gift certificates or prepaid cards are redeemed and/or used, the cards are not returnable, exchangeable\nor replaceable.\ni. Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. The Rewards Provider abides by the merchant\xe2\x80\x99s policy. If a gift card or gift certificate is lost or stolen, once received by you, you must report the occurrence to the Rewards\nProvider immediately. We reserve the right to decline to replace lost or stolen gift cards or gift certificates.\nj. If gift cards, gift certificates or prepaid cards have been ordered by you and not received by you (addressee), you must notify the\nRewards Provider using the provided customer service number. You must notify the Rewards Provider no earlier than fifteen (15)\ndays after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the Rewards Provider will investigate. The Rewards Provider with its sole discretion may replace any non-received shipment,\nin which a full balance remains on a gift card or gift certificate.\nk. The Rewards Provider is not responsible if a recipient or you defaces, damages or otherwise renders unsuitable for redemption\na gift card or gift certificate that was received from this reward site.\nl. The prepaid Visa\xc2\xae and MasterCard\xc2\xae cards expire in 24 months from issuance. The expiration date is imprinted on the front of\nthe prepaid card. Expired prepaid cards cannot be replaced.\nm. Visa is a trademark of Visa U.S.A. Inc.\nn. MasterCard is a registered trademark of the MasterCard International Incorporated.\nCash back rewards *\nThe cash back reward(s) will appear as a credit on your Rewards Card within the next two billing statements. You are responsible\nfor any outstanding balance owed on the account after the credit is applied. Cash back reward(s) cannot be applied toward the\npayment amount owed on your Rewards Card.\n* The available rewards may not apply to your program.\n\n\x0cYOUR BILLING RIGHTS\nKEEP 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:\nTruliant Federal Credit Union\nAttn: Billing Rights Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar 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, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify 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.\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 already\ncorrected 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 correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo 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 still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen 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 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 credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed 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 check that\naccesses 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 at:\nTruliant Federal Credit Union\nAttn: Visa Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will\ntell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nTRAVEL ACCIDENT INSURANCE DESCRIPTION OF COVERAGE\nPrincipal Sum(s) Enrolled: Visa Credit Card:\nBenefit Amount, $250,000\nTHIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT\nONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS\nThis Description of Coverage is provided to eligible cardholders, and replaces any and all Descriptions of Coverage previously\nissued to the insured with respect to insurance described herein.\nEligibility and Period of Coverage\nYou and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered card\naccount (\xe2\x80\x9cCovered Persons\xe2\x80\x9d). It is not necessary to notify the Financial Institution, the Insurance Company or Plan Administrator\nwhen tickets are purchased. Coverage ends when the policy is terminated or on the date your covered card terminates or ceases\nto be in good standing, whichever occurs first.\nBenefits\nSubject to the terms and conditions, if a Covered Person\xe2\x80\x99s accidental bodily injury occurs while on a Covered Trip and results in\nany of the following Losses within one year after the date of the accident, the Insurance Company will pay the following percentage of the Principal Sum for accidental Loss of:\n\n\x0cLife................................................................................. 100%\nBoth hands or both feet................................................ 100%\nSight of both eyes......................................................... 100%\nOne hand and one foot................................................. 100%\nSpeech and hearing...................................................... 100%\nOne hand or one foot and the sight of one eye............ 100%\nOne hand or one foot...................................................... 50%\nSight of one eye.............................................................. 50%\nSpeech or hearing........................................................... 50%\nThumb and index finger on the same hand.................... 25%\nIn no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one Loss sustained\nby a Covered Person as a result of any one accident. The maximum amount payable for all losses due to the same accident is\nthe Principal Sum.\nLoss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable Loss\nof sight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index\nfingers. The life benefit provides coverage in the event of a Covered Person\xe2\x80\x99s death. If a Covered Person\xe2\x80\x99s body has not been\nfound within one year of disappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was\ncovered as a passenger, then it shall be presumed, subject to all other provisions and conditions of this coverage, the Covered\nPerson suffered Loss of life.\nInjury means bodily injury resulting directly and independently of all other causes from an accident which occurs while the\nCovered Person is covered under this policy.\nCovered Trip means a trip (a) while Covered Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew member, and (b) charged to your covered card, and (c) that begins and ends at the places designated on the ticket\npurchased for the trip. Covered Trip will also include travel on a Common Carrier (excluding aircraft) directly to, from or at any\nCommon Carrier terminal, which travel immediately precedes departure to or follows arrival at the designation designated on the\nticket purchased for the Covered Trip.\nCommon Carrier means any scheduled airline, land or water conveyance licensed for transportation of passengers for\nhire. Common Carrier does not include a conveyance operated for sport, recreation, and/or sightseeing activities or for any travel\nin any aircraft device for aerial navigation except as expressly provided in the policy.\nExclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide\nor intentionally self-inflicting injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except\nas a fare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an\nestablished route; or (d) war or act of war, whether declared or undeclared.\nBeneficiary: Benefit of Loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits\nare payable to you.\nNotice of Claim: Written Notice of claim, including your name and policy number VTA00015 should be mailed to the Plan\nAdministrator within 20 days of a covered Loss or as soon as reasonably possible. The Plan Administrator will send the claimant\nforms for filing proof of Loss.\nThe Cost: This travel insurance is purchased for you by your Financial Institution.\nDescription of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has\nbeen established for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions\nof the plan are in the master policy, VTA00015, issued to the Visa USA Trust, Chicago, IL which is effective 4/1/03. Any difference\nbetween the policy and this description will be settled according to the provisions of the policy.\nQuestions: Answers to specific questions can be obtained by writing to the Plan Administrator:\nCBSI Enhancement Services\n550 Mamaroneck Avenue\nHarrison, NY 10528\nUnderwritten by: Virginia Surety Company, Inc., 1000 N. Milwaukee Avenue, Glenview, IL 60025\nGeneral Program Provisions, Travel Accident Insurance:\nTravel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred\nto as \xe2\x80\x9cthe Company\xe2\x80\x9d). We reserve the right to change the benefits and features of all these programs.\nVISA USA or the Company can cancel or choose not to renew the insurance coverages for all insureds. If this happens, your\nFinancial Institution will notify you at least 30 days in advance of the expiration of the policy. Such notices need not be given if\nsubstantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefits will still apply to Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms\nand conditions of coverage are met. Travel Accident Insurance does not apply if your Card privileges have been suspended or\ncancelled. However, Insurance benefits will still apply to Covered Trips commenced prior to the date that your account is suspended or cancelled provided all other terms and conditions of coverage are met.\nCoverage will be void if, at any time, you have concealed or misrepresented any material fact or circumstance concerning the\ncoverage or the subject thereof of your interest herein, or in the case of any fraud or false swearing by the Insured relating thereto.\nNo person or entity other than you shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage.\nNo action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of Loss has\nbeen furnished in accordance with the requirements of this Description of Coverage.\nThe Company, at its expense, has the right to have you examined, as often as reasonably necessary while a claim is pending. The\nCompany may also have an autopsy made unless prohibited by law.\n1\n\nYour spouse, unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated child.\nIncapacitated child means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap,\nand chiefly dependent on you for support and maintenance. The maximum benefit payable for dependent children is the Principal\nSum, not to exceed $500,000.\n\n\x0c'


b'CREDIT CARD APPLICATION\nPlease print all information\n\nI would like to apply for: m Visa\xc2\xae Rewards Plus\n\nm Dinero Visa\n\nm Savings Secured Visa\n\nPlease Tell Us About Yourself\nName\n\nAccount Number\n\nDate of Birth\n\nSocial Security Number\n\nStreet Address\n\nCity\n\n(\n\n(\n\n)\n\nDriver\xe2\x80\x99s License/State\nState\n\n)\n\nHome Phone\n\nMobile Phone\n\nEmployer\n\nOccupation\n\nBusiness Address\n\nCity\n\nMonthly Income*\n\nRent/Mortgage\n\n(\n\nYears There\n)\n\nWork Phone\nYears There\nState\n\nNearest relative not living with you: Name\n\nZip\n\nZip\n\nPhone Number\n\nRelationship\n\n*Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.\n\nJoint Applicant\xe2\x80\x99s Information\nName\n\nAccount Number\n\nDate of Birth\n\nSocial Security Number\n\nStreet Address\n\nCity\n\n(\n\n(\n\n)\n\nDriver\xe2\x80\x99s License/State\nState\n\n)\n\nHome Phone\n\nMobile Phone\n\nEmployer\n\nOccupation\n\nBusiness Address\n\nCity\n\nMonthly Income*\n\nRent/Mortgage\n\nZip\n(\n\nYears There\n)\n\nWork Phone\nYears There\nState\n\nZip\n\n*Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.\n\nAuthorized User(s)\nAn authorized user is a friend or relative who has purchasing privileges with your credit card, but is not legally responsible for the charges. An authorized\nuser is not a joint owner on your account. Authorized users will receive a credit card with your account number and their name printed as the cardholder.\n___________________________________________________________________________________________________________\nName to appear on Card\n\n___________________________________________________________________________________________________________\nName to appear on Card\n\nSignatures\nComplete the following if you live in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI) or if you are applying for a joint account: m Married m Unmarried m Separated\nApplicant and Joint Applicant Must Initial Here if You Intend to Apply for Joint Credit _________ Applicant ________ Joint Applicant\nBy signing below, your certify that you are at least 18 years of age (if applying for a Dinero Visa, you certify you are at least 16 years of age) and that everything you have stated in the application is true and complete.\nYou authorize Advancial Federal Credit Union to check your employment history and obtain a credit report. Credit and substitutions may be at Advancial Federal Credit Union\xe2\x80\x99s discretion. You acknowledge that you have read and\nunderstand the Important Disclosures provided and understand that, by using the card or authorizing its use, you acknowledge receipt of and agree to all the terms and conditions in the Cardholder Agreement and Disclosure\nStatement. To the extent permitted by law, you grant us a security interest in all individual and joint share accounts and dividends in which you have an interest, both now and in the future, to secure repayment of your credit\ncard account. You understand that the terms of your account are subject to change as provided in the Cardholder Agreement and Disclosure Statement.\n\nApplicant Signature\n\nDate\n\nJoint Applicant Signature\n\nDate\n\nPLEASE SEE THE REVERSE SIDE FOR IMPORTANT COST INFORMATION CONCERNING THE CARDS\n\n\x0cCREDIT CARD APPLICATION\nIMPORTANT DISCLOSURES\nInterest Rates and Interest Charges\nVisa Rewards Plus\n\nAnnual Percentage\nRate (APR) for\nPurchases\n\nDinero Visa\n\nSavings Secured Visa\n\n0.00% for twelve billing cycles from the date of account opening.\nAfter that, your APR will be\n\n8.90% to 14.90%\n\nbased on your creditworthiness.\n\nAfter that, your APR will be\n\nAfter that, your APR will be\n\n9.90%\n\n16.90%\n\n0.00% for first twelve months of each balance transfer.\nAPR for Balance\nTransfers\n\nAPR for Cash\nAdvances\n\nAfter that, your APR will be\n8.90% to 14.90%,\nbased on your creditworthiness.\n\n8.90% to 14.90%,\nbased on your creditworthiness.\n\nPenalty APR and\nWhen it Applies\n\nAfter that, your APR will be\n\nAfter that, your APR will be\n\n9.90%\n\n16.90%\n\n9.90%\n\n16.90%\n\nNot Applicable\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle.We will not charge you interest on\npurchases if you pay your entire balance by the due date each month.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransactions Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\nNone\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 See the Card\nAgreement for more details.\nThe information about the costs of the cards described in this application is accurate as of March 1, 2017.This information may have\nchanged after that date.To find out what may have changed, write to us at Advancial Federal Credit Union, Lending Department,\n1845 Woodall Rodgers Fwy., Ste. 1300, Dallas,TX 75201 or call us at 800.322.2709.\n\nForm EE118.3\n\n\x0c'


b'I. Description of the Program\na. The rewards program (\xe2\x80\x9cProgram\xe2\x80\x9d) is a service provided by Advancial Federal Credit Union (\xe2\x80\x9cSponsor\xe2\x80\x9d) and managed\nby Augeo Consumer Engagement Services, LLC (\xe2\x80\x9cAdministrator\xe2\x80\x9d).\nb. Participation in the Program is exclusive to those who have a current consumer credit or debit card issued by the\nSponsor (\xe2\x80\x9cRewards Card\xe2\x80\x9d). These individuals are defned as (\xe2\x80\x9cCardholders\xe2\x80\x9d). Business credit cards and Business\ndebit cards are excluded from the Program and are not eligible to earn Points.\nc. Under the Program, Cardholders will earn Points for qualifying transactions with a Rewards Card that has been\nenrolled in the Program. Points may be redeemed for a variety of rewards including travel, merchandise, cash back,\ngift cards, experiences certifcates, and more.\nd. The Sponsor reserves the right to disqualify any Cardholder from participation in the Program and invalidate all\npoints for abuse, fraud, deceit or other misconduct, or any violation of the Program terms and conditions. The\nSponsor may make such a determination at its sole discretion.\ne. The Program is void where prohibited by federal, state, or local law.\nf. The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any program\ndocument.\ng. The Sponsor and the Administrator reserve the right to change the terms and conditions as well as the points\nrequired for a reward within the Program. At the Sponsor\xe2\x80\x99s option, redemption of Points may be restricted, limited,\nexpired or cancelled at any time without prior notice.\nh. Eligibility in the program is restricted to individuals who have a statement address within the 50 United States, the\nDistrict of Columbia, or any U.S. Possession or Territory.\ni. The Program\xe2\x80\x99s Privacy Policy is available at the Program\xe2\x80\x99s website at the bottom of each page.\nII. Earning Points\na. Point accumulation varies by Rewards Card:\ni. Credit Card\n1. 1 point for each $1 in Net Retail Purchases. Bonus points: Earn 1.5 points for each $1 in Net Retail\nPurchases when:\na. Net Retail Purchases made using credit card during the statement cycle is $2,500 or more; or\nb. Cardholder uses credit card to make 25 or more purchases during the statement cycle.\n2. Introductory Bonus Points: Earn 10,000 points when Net Retail Purchases is $500 or more using the credit\ncard within the frst 90 days of account opening.\nii. Debit Card\n1. 1 Point for each $5 in Net Retail Purchases\nb. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and\nadjustments) charged to the Rewards Card during each day by the Cardholder. Net purchases are rounded to the\nnearest dollar and are subject to verifcation. Any credits, except for payments to the credit card, will reduce the\nnumber of Points available for redemption based on the dollar amount of the credit. Negative Points will post within\nthree (3) statement cycles on your Rewards Card statement if returns or credits exceed purchases. If a transaction is\nsubject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute\nperiod. If the transaction is reinstated, points will be reinstated.\nc. Purchases do not include any Advancial fees, service charges or interest charges; payments of existing Card\nbalances; payment of any Advancial loan; unauthorized charges; cash advances; ATM transactions; balance\ntransfers; convenience checks; quasi-cash transactions (person-to-person money transfers, casino gaming chips,\nlottery tickets, money orders, wire transfers, travelers checks, foreign currency, or similar transactions); or gaming\ntransactions (off-site track wagers, Internet gambling, or similar transactions).\nd. Point accrual will begin upon Program enrollment date. No points will be awarded retroactively.\ne. Points are tracked and redeemable on a frst-in, frst-out basis. Points do not expire as long as a Rewards Card\nassociated with the account has qualifying point earning activity as describe in item b above at least once every\ntwelve months.\nf. There is no limit to the Points that may be earned unless stated otherwise at the time a specifc promotion or offer is\nmade.\ng. Points have no intrinsic cash value, are non-negotiable, and cannot be redeemed for cash (except as a Reward under\nthe \xe2\x80\x9cCash Back\xe2\x80\x9d section of these Terms and Conditions), or for any other beneft except those Rewards designated\nby Advancial. Points are not the property of the Cardholder and cannot be bought, sold, brokered, bartered,\nattached, pledged, or gifted (except as a Reward under the \xe2\x80\x9cPoint Giving\xe2\x80\x9d section of these Terms and Conditions), or\nassigned or transferred to any person, including upon death, disability, by operation of law, or as part of a domestic\nrelations matter or legal proceeding.\nh. In the event of fraud, abuse of the program privileges, or violation of the Program rules (including any attempt to sell,\nexchange or transfer points or the instrument exchangeable for points), the Program Sponsor reserves the right to\ncancel the Cardholder\xe2\x80\x99s membership in the Program.\ni. If more than one Rewards Card has been issued under the same membership account number, the Points earned\nfrom each card will automatically be pooled together into one available Point balance.\nj. Points may not be combined with any other loyalty/frequency reward program that is not managed by the Program\xe2\x80\x99s\nSponsor.\nk. The Sponsor reserves the right to award bonus Points to selected Cardholders for any activity or condition it decides.\nl. In addition to other reasons stated in these Terms and Conditions, Points will be forfeited if (1) there is not qualifying\npoint earning activity on at least one Rewards Card linked to the account for a twelve month period, (2) the Primary\nCardholder fles for bankruptcy, (3) Advancial closes the linked Credit Card or Debit Card account for any reason,\n(3) the Primary Cardholder closes the linked Credit Card or Debit Card account for any reason, or (4) a Cardholder\nviolates these Terms and Conditions. The Cardholder is not entitled to compensation from Sponsor or from any other\nentity when Points are forfeited for any reason.\nm. The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regarding Points.\nThe Sponsor\xe2\x80\x99s decisions regarding Point discrepancies shall be fnal.\nIII. Card Linked Offer Points (AMPRE)\na. Cardholders can earn additional Points from participating merchants when using their Rewards card for eligible\npurchases at participating AMPRE merchants, both online and in-store. Point earnings will vary based upon the\nmerchant. Each merchant\xe2\x80\x99s Point earning ratio is listed on the Program\xe2\x80\x99s website. Each Participating Merchant has\nreserved the right to change at any time, and without notice, the amount or percentage of any points it offers as\nwell as the terms and conditions of any qualifying purchase. You acknowledge that errors in the offer terms and\nconditions obtained through your use of the Program may occur from time to time, whether caused by a Participating\nMerchant or otherwise, and the Program or the Participating Merchant will use its commercially reasonable efforts to\npromptly correct any such error, and you agree not to bring any action against the Program based upon or related to\nsuch errors. Your continued use of the Program thereafter will constitute acceptance of such terms and conditions.\nThe Program does not represent or warrant that any particular Participating Merchant will participate in the Program\nat the time you join the Program or at any time thereafter.\nb. Cardholders must sign for an in-store purchase to earn points. Points will be available to view on the account\nstatement page as \xe2\x80\x9cpending\xe2\x80\x9d in 10-14 days. Points will be posted to the Cardholder\xe2\x80\x99s rewards account within 45-90\ndays. The Program will not be liable for damages resulting from any failure to post points to your rewards account\nin a timely manner. You acknowledge and accept that you are solely responsible for checking your rewards program\naccount regularly to verify that points have been properly posted. If you believe that points have not been properly\nposted to your rewards account, then you must inform the Program within one year of the qualifed transaction for\nwhich you are claiming that points should have been posted and must be able to provide proof of such transaction\nacceptable to the Program. The Program reserves the right to determine, in its sole and absolute discretion, whether\npoints should have been posted to your rewards program account. You acknowledge that any such determination by\nthe Program will be fnal and binding.\nc. You agree that the Program is not an agent of any Participating Merchant and that Participating Merchants\noperate independently of the Program. The Program does not represent or warrant, or give any assurances that\nany Participating Merchant will provide points for any particular transaction even where such transaction would\nappear to qualify for such points. The Program is not responsible for the failure of any Participating Merchant to\npay points in accordance with the terms of that Participating Merchant\xe2\x80\x99s offer. The Program does not assume any\nliability, obligation or responsibility for any part of any offer or promotion, including without limitation the withdrawal\nor modifcation of any such offer or promotion. Also, no Participating Merchant assumes any liability, obligation or\nresponsibility for our conduct with respect to the Program. Purchases from Participating Merchants may not qualify\nif a separate coupon code or promotion is used; all offers are subject to the offer terms and conditions as described\n\nd.\n\ne.\n\nf.\n\ng.\n\nin the applicable offer description and as otherwise may be set forth in such Participating Merchant\xe2\x80\x99s Policies or\notherwise on its website.\nParticipating Merchants may have agreed to pay the Program certain operating or marketing fees when participants\npurchase goods or services using their rewards program card (whether credit, debit or otherwise). Points associated\nwith any purchase from a Participating Merchant will not be earned by you unless and until the fees have been paid\nin full by such Participating Merchants to the Program. From time to time, the Program may post pending points from\nParticipating Merchants to your rewards program account prior to the payment received by the Program. The Program\nreserves the right to reverse the posting of any points in the event the applicable Participating merchant does not make\ntimely payment to the Program. The Program reserves the right to change its offer with respect to the amount of the\npoints associated with any Participating merchant at any time, but no such change will affect any points earned prior to\nsuch change.\nIn order to make adjustments for returns and/or cancellations with respect to Qualifying Purchases, the Program may\ndeduct points from your rewards program account. In the event of any abusive or fraudulent activity related to the\nProgram, the Program reserves the right to make any adjustments to your rewards program account at any time. Any\nsuch adjustments, however, will be made in accordance with this Agreement, the Policies, any applicable laws, rules or\nregulations, and the terms of any Participating Merchant offers.\nBy providing your email address when you register on the Rewards website, you can agree to receive all future\nAMPRE correspondence and notices electronically to that email address. Email is the primary method for contacting\nCardholders regarding their participation in the Program. It is the Cardholder\xe2\x80\x99s responsibility to update or change the\nemail address on fle. This can be done on the Program\xe2\x80\x99s website.\nNew merchant offers are updated periodically. There is not a limit to the number of times a Cardholder can earn Points\nfor shopping at an AMPRE merchant.\n\nIV. Redeeming Points\na. Available redemption options and point totals may be found on the Program\xe2\x80\x99s website which may be accessed from the\naccount summary details section in cuAnywhere\xc2\xae Online and Mobile Banking or at www.advancialrewards.org. These\ntotals show accumulated Points across all Rewards Cards associated under the membership account number.\nb. To redeem Points, the Cardholder\xe2\x80\x99s Rewards Card(s) account(s) must be open (meaning not closed, canceled, or\nterminated for any reason); current (meaning there are no past due balances or negative balances on the Cardholder\xe2\x80\x99s\nRewards Card(s) account(s); Cardholder\xe2\x80\x99s credit card outstanding balance must not be over the credit limit; the\nRewards Card(s) account(s) must not have a revoked, charged-off or in bankruptcy status; and the Rewards Card(s)\ncannot have any other status preventing authorization.\nc. Points must be redeemed by the Cardholder, and may be used to provide a reward for another person of their choice in\naccordance with these Terms and Conditions.\nd. Points are deducted from the Cardholder\xe2\x80\x99s Point balance immediately upon redemption.\ne. All point redemptions are fnal.\nf. The Cardholder is responsible for determining any tax liability arising from participation in the Program. Consult a tax\nadvisor concerning tax consequences.\ng. The Sponsor or the Administrator have the right to remove points redemption options at any time for any reason.\nV. Travel Rewards\nTravel rewards include airline tickets, hotel accommodations, rental cars, cruises, destination activities/excursions and\nvacation packages (\xe2\x80\x9cTravel Rewards\xe2\x80\x9d). Travel Rewards reservations must be made online at advancialrewards.org or\nthrough the Administrator\xe2\x80\x99s travel redemption center. The Administrator\xe2\x80\x99s travel redemption center is able to take care of all\ntravel arrangements. The travel redemption center is a full service agency that can assist with air, hotel, auto, vacation and\ncruise reservations. The hours of operation for the travel redemption center are Monday through Friday from 5:00 a.m. to\n12:00 a.m. CST, Saturday and Sunday from 6:00 a.m. to 10:00 p.m. CST. All Travel Rewards are subject to availability and\nrestrictions of the relevant travel supplier.\na. All travel must be redeemed through Administrator\xe2\x80\x99s fully licensed travel redemption center or website at www.\nadvancialrewards.org.\nb. All airline tickets issued in exchange for Points are non-refundable and non-changeable after ticket issuance, without\npaying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to any\nfees charged by the airline and redemption center.\nc. Lost, stolen or otherwise destroyed airline tickets will not be replaced without the Cardholder paying the standard fees\ncharged by each airline.\nd. Cardholders may make additional travel reservations with the Administrator\xe2\x80\x99s travel redemption center or website using\ntheir Advancial Rewards Card.\ne. Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket\nis issued. The Cardholder must call in any corrections or discrepancies by the close of business, the same day the\nticket is issued. The travel redemption center will do their best to accommodate all changes and requests but is not\nobligated to make changes. Any changes or corrections done the following day or thereafter are subject to all airline\nairfare charges, exchange fees and processing fees and processing charges.\nf. Paper airline tickets are subject to the individual airline paper ticket fees.\ng. If a paper ticket is issued, the Cardholder has two options for delivery. The Cardholder can sign a waiver stating that\nthey accept responsibility for a lost ticket and then the ticket will be sent via US Mail. The second option is to pay a\nshipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the forty-eight (48) contiguous\nstates, deliveries will be subject to additional shipping charges.\nh. The Cardholder is responsible for payment of all baggage charges, departure taxes seat assignment charges, or other\ncharges that may be assessed by airlines, travel companies and/or governmental entities as a result of travel under the\nAdvancial Rewards Program.\ni. Administrator\xe2\x80\x99s normal and customary fees associated with processing travel related services are billed to the\nAdvancial Rewards Card.\nj. Advancial and the Administrator are not responsible for the performance by the airlines of the ticketed transportation.\nAll reservations are made subject to the conditions of airlines, supply or business of the party providing the service,\nwhich include exclusions and limitations of liability. The airline industry is in constant fux and changes made by this\nindustry are done quickly and frequently without notice, therefore, reward redemption rules for air travel are subject to\nchange without notice.\nk. A valid government ID must be presented at the airport and it must match the traveler\xe2\x80\x99s complete name as listed on the\nairline ticket.\nl. Cardholders may redeem Points for a single lowest published airfare as follows:\n1. Each ticket must be ordered through Administrator for one round trip coach class airline ticket on a scheduled U.S.\nor International carrier.\n2. En-route stopovers are not permitted unless they are to make direct connections.\n3. Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the\nusage of charters.\n4. Actual travel must occur any time within three hundred and thirty (330) days after the reservation conditions in\nthese Terms and Conditions are met.\n5. Reservations shall also be subject to airline seat availability on travel dates specifed by the traveler.\nm. Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance\nat the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage,\nmedical expense, emergency medical transportation, and vehicle rental collision insurance. Advancial and the\nAdministrator have no responsibility to Cardholder or travelers with regard to the foregoing.\n\ne.\nf.\n\ng.\nh.\n\nMerchandise pictured in any Advancial Rewards Program brochure or website may not necessarily refect exact colors or\nmodels of actual rewards due to printing variations and/or manufacturers\xe2\x80\x99 updates. Information is accurate to the very\nbest of our knowledge. Advancial and the Administrator are not responsible for errors or omissions.\nThe number of Points required for reward items are subject to change. Advancial will make reasonable efforts to advise\nProgram participants of changes to redemption requirements using normal communication channels such as the\nAdvancial Rewards website and Cardholder statements, among others, but shall not be held liable in any way for any\nfailure to do so.\nCardholders may exchange merchandise only in the event of merchandise defects or damage in shipment. All items\ndelivered by common carrier must be opened in the presence of that carrier and any exceptions, damages, or shortages\nmust be noted on the delivery receipt before cardholders sign to accept shipment of merchandise.\nAll merchandise is covered by manufacturer\xe2\x80\x99s warranties. Any such defect should be handled through the standard\nmanufacturer repair facility as noted with product.\n\nVII. Gift Card, Gift Certifcate and Prepaid Card Rewards\na. Points may be redeemed for gift cards or gift certifcates from select merchants. Most gift cards or gift certifcates are\ndelivered within two to three (2\xe2\x80\x933) weeks, to the address specifed on the order fle with the Administrator, as long as it is\nwithin the United States and its territories. Points may also be redeemed for prepaid cards. The prepaid cards, issued by\nVisa\xc2\xae, may take up to three to four (3 \xe2\x80\x934) weeks for delivery and can only be shipped within the United States.\nb. Gift cards, gift certifcates and prepaid cards cannot be returned, and are not redeemable for cash or credit.\nc. All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card, gift\ncertifcate or prepaid card are the responsibility of the Cardholder and are subject to the merchants\xe2\x80\x99 policies in effect at\nthe time of redemption. Purchases in excess of the amount of the gift cards are at the Cardholder\xe2\x80\x99s or user\xe2\x80\x99s expense.\nd. Gift cards, gift certifcates and prepaid cards may also be subject to other restrictions imposed by the merchant. Gift\ncards and gift certifcates purchased to provide services are subject to the terms and conditions of the vendor providing\nthe services.\ne. Additional terms and conditions may be specifed on the gift card, gift certifcate, or prepaid card.\nf. If a merchant declares bankruptcy, Advancial and the Administrator are not liable for the underlying funds on the gift card\nor gift certifcate.\ng. No dormancy or service fees will be charged by the Administrator on the underlying funds of the selected reward gift card\nor gift certifcate.\nh. Once the gift cards, gift certifcates or prepaid cards are redeemed and/or used, the cards are not returnable,\nexchangeable or replaceable.\ni. Each merchant sets a policy in regards to lost or stolen gift cards, gift certifcates or prepaid cards. Advancial and the\nAdministrator abide by the merchant\xe2\x80\x99s policy. If a gift card, gift certifcate or prepaid card is lost or stolen, once received\nby the Cardholder, the Cardholder must report the occurrence to the Administrator immediately. Advancial and the\nAdministrator reserve the right to decline to replace lost or stolen gift cards or gift certifcates in their sole discretion as\npermitted by applicable law.\nj. If gift cards, gift certifcates or prepaid card has been ordered by the Cardholder and not received by the Cardholder\nor other addressee, the Cardholder must notify the Administrator using the provided customer service number. The\nCardholder must notify the Administrator no earlier than ffteen (15) days after the expected receipt date and no later\nthan sixty (60) days from the expected ship date. Upon receipt of such notifcation, the Administrator will investigate. The\nAdministrator with its sole discretion may replace any non-received shipment, in which a full balance remains on a gift\ncard, gift certifcate or prepaid card.\nk. Advancial and the Administrator are not responsible if a recipient or Cardholder defaces, damages or otherwise renders\nunsuitable for redemption a gift card, gift certifcate or prepaid that was issued in conjunction with the Program.\nl. The prepaid Visa\xc2\xae cards expiration twenty-four (24) months after they are issued. The expiration date is imprinted on the\nfront of the prepaid card. Expired prepaid cards cannot be replaced.\nm. Visa is a trademark of Visa U.S.A. Inc.\nVIII. Cash Back Rewards\na. Cash back reward(s) will be deposited to the Cardholder\xe2\x80\x99s Primary Savings Account at Advancial unless otherwise\nspecifed or elected by the Cardholder if rewards redemption options are available. Advancial reserves the right to add\nor modify options at any time. Advancial will make reasonable efforts to advise Program participants of changes to Cash\nBack Rewards options using normal communication channels such as the Advancial Rewards website and Cardholder\nstatements, among others, but shall not be held liable in any way for any failure to do so.\nb. Advancial may, in its sole discretion, offer alternative redemption options for rewards such as a credit to the Cardholder\xe2\x80\x99s\nCredit Card account that will appear within the next two Billing Cycles. If this option is offered, the Cardholder is\nresponsible for any outstanding balance owed on the account after the credit is applied. Cash back reward(s) cannot be\napplied toward the payment amount owed on an Advancial Rewards Card or any other account with Advancial or any third\nparty.\nIX. LIMIT OF LIABILITY\nNEITHER ADVANCIAL NOR THE ADMINISTRATOR SHALL HAVE ANY LIABILITY FOR THE ACTS OF THIRD PARTIES IN CONNECTION\nWITH THE PROGRAM INCLUDING, WITHOUT LIMITATION, THE PROVIDERS OF REWARDS AND SERVICES. ADVANCIAL IS NOT A\nSPONSOR OF ANY PROVIDER OF SERVICES OR REWARDS AND HAS NO CONTROL OVER ANY PROVIDER. THE CARDHOLDER\nAND ANY OTHER BENEFICIARY OF THE REWARDS AGREES THAT ADVANCIAL AND AUGEO CONSUMER ENGAGEMENT\nSERVICES (\xe2\x80\x9cADMINISTRATOR\xe2\x80\x9d) AND ITS THIRD PARTY VENDORS WILL NOT BE LIABLE FOR, AND ANY CARDHOLDER AND ALL\nBENEFICIARIES OF REWARDS RELEASES, DISCHARGES AND HOLDS HARMLESS ADVANCIAL , ADMINISTRATOR AND THEIR\nVENDORS FROM ANY AND ALL CLAIMS OF NATURE AND ANY AND ALL LIABILITY RELATING TO CARDHOLDER\xe2\x80\x99S AND ANY\nBENEFICIARY\xe2\x80\x99S PARTICIPATION IN THE PROGRAM OR USE OF REWARDS INCLUDING BUT NOT LIMITED TO CLAIMS FOR ANY\nINJURY, ACCIDENT, LOSS, SICKNESS, DELAY, CANCELLATION, POSTPONEMENT, INCONVENIENCE, PENALTY, REFUND OR OTHER\nIRREGULARITIES, CLAIM, EXPENSE OR DAMAGES SUSTAINED BY THE CARDHOLDER OR ANY BENEFICIARY, ASSOCIATED WITH\nA REWARD OR USE OF REWARDS WHILE PARTICIPATING IN THIS PROGRAM AND IN THE CASE OF A TRAVEL REWARD, ANYONE\nTRAVELING WITH OR WITHOUT THE CARDHOLDER, IN CONNECTION WITH THE RECEIPT, OWNERSHIP, OR USE OF ANY REWARD.\nTHE ADMINISTRATOR AND ADVANCIAL SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE OR CONSEQUENTIAL\nDAMAGES, AND THE SOLE EXTENT OF LIABILITY, IF AT ALL, SHALL NOT EXCEED ISSUING THE CORRECT NUMBER OF\nPOINTS EARNED UNDER THE PROGRAM AND REDEEMING THE POINTS FOR THE REWARD, SUBJECT TO THESE TERMS AND\nCONDITIONS.\nX. Contact Information\nFor questions, concerns, or complaints, please contact the Administrator\xe2\x80\x99s customer service center. You should expect a\nresolution to all inquiries within three (3) business days. The Administrator\xe2\x80\x99s customer service center is open 24 hours/7 days\na week, except from 6:00 p.m. ET Thanksgiving Eve to 5:00 a.m. the day following Thanksgiving, and Christmas Eve and New\nYear\xe2\x80\x99s Eve starting at 11:00 p.m. ET, closed both holidays until 5:00 am ET the following morning.\n800.657.1304\nwww.advancialrewards.org\n\nVI. Merchandise rewards\na. When necessary, the Administrator may substitute a reward with an updated model of equal or greater value.\nCardholders will be notifed of any change when ordering. The Administrator reserves the right to replace or remove\ncertain sections within any Advancial Rewards Program literature or website. All rewards are subject to availability.\nb. Merchandise rewards may take four to six (4\xe2\x80\x936) weeks to be delivered from the time of order. Multiple rewards may\narrive at different times because they may be provided by different vendors.\nc. No shipments of merchandise can be made to APO/FPO or PO Box addresses.\nd. Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico,\nGuam and the US Virgin Islands will have an additional freight charge billed to the Cardholder\xe2\x80\x99s Advancial Rewards\nCard.\n\nFederally\ninsured by\n\nNCUA\n\xc2\xa92017.All Rights reserved.\n\nForm EP144.1\n\nWHERE WILL\nYOUR POINTS\nTAKE YOU?\n\nRewards from travel to gift cards & beyond\n\n\x0c\xef\x80\x86\n\nEARN\n\nEarn everyday points\n\nGift Cards\n\nTravel\n\nMerchandise\n\nTreat yourself to a day of shopping followed by a night\non the town. Enjoy a variety of gift card reward options\nincluding dining, shopping, entertainment and more!\n\nSpontaneous or planned, however you choose to travel,\nAdvancial Rewards offers a wide range of getaways to\nsuit your style. Browse top travel destinations, access\nexclusive deals and redeem points for airline tickets, hotel\naccommodations, car rentals, cruises, vacation packages and\ndestination activities and excursions all in one place.\n\nWith Advancial Rewards\xe2\x80\x99 extensive merchandise selection,\nyou\xe2\x80\x99ll be sure to find the reward item you\xe2\x80\x99ve been saving\nfor! Browse hundreds of brand-name rewards including\ncameras, tablets, gaming consoles and more!\n\nFrom groceries to fuel, your purchases will add up fast!\nDebit Card\n$5 spent = 1 point\n\nEnjoy freedom from restrictions!\n\xe2\x80\xa2 No blackout dates\n\xe2\x80\xa2 No advance notice requirement\n\xe2\x80\xa2 No round-trip flight requirement\n\xe2\x80\xa2 No Saturday night stay requirement\n\nCredit Card\n\xe2\x80\xa2\n$1 spent = 1 point\n\xe2\x80\xa2\nBonus - Earn 50%\nextra points\nMake 25+ purchases or spend\n$2,500+ and earn 50% extra\npoints on all purchases during\nthat billing cycle\n\nDiscounted airfare\nYou can redeem 10,000 points for a $100.00 discount off\nany scheduled major international or domestic airline.\nWhen redeeming your reward points for discounted airfare,\nyour rewards card will be charged the ticket cost, less the\nredeemed discount.\n\nEarn bonus points\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nAmpre: Bonus point offers are already linked directly\nto your card. Simply use your Advancial debit/ATM\nor Advancial Visa\xc2\xae Rewards Plus card at participating\nmerchants, both in-store and online.You will earn bonus\npoints from national, regional and local merchants.\nAmpre Online: Shop over 2,000 merchants at our\nAmpre Online network and be rewarded even more. Earn\nbonus points on all purchases using your rewards card.\n\nPool your points!\nYour points can add up even faster! All credit and debit\ncard points will be combined into one account for\neasy redemption.\n\n\xef\x8a\x91\n\nREDEEM\n\nLog in to online banking at advancial.org\nVisit cuAnywhere\xc2\xae to view your points balance and\naccess the redemption site. Need help or have questions\nalong the way? Simply call 800.657.1304, available 24/7.\n\nExperiences\nEnjoy new experiences together\nYou can redeem points for a variety of daytime excursions\nand nightlife entertainment. From a dinner cruise for two\nto a hot air balloon ride, extraordinary rewards await.\n\nCash back\nEarning cash back couldn\xe2\x80\x99t be easier.\nWe will directly deposit your rewards into your savings account.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n$50 cash = 5,000 points\n$100 cash = 10,000 points\n$200 cash = 20,000 points\n\nEvent Tickets\nRedeem your points for tickets to top events across the\nnation. From concerts to top sporting events to plays, find\ntickets that you will enjoy!\n\nCharitable Donations\nPay it forward with points!\nRedeem your points for a greater good by selecting a\nCharityChoice gift card. Donations can be designated to up\nto three charities of your choice.\n\n\x0c'