b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n8.90%\n\nAPR for Cash Advances\n\n8.90%\n\nPenalty APR and When it Applies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n8.90%\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $10.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Recovery Fee:\n$35.00. If Your Account is subject to a Card Recovery Fee, a fee will be charged for any expenses involved in the\nrecovery of the Card.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$35.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPIN Replacement Fee:\n$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account whenever You request\na new PIN number for Your Account.\nRush Fee:\n$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nFor Alabama Borrowers: After default and upon referral to an attorney, who is not an employee of the Credit Union, You\nagree to pay all costs of collecting the amount You owe under this Agreement, including, if the unpaid balance under this\nplan is greater than $300.00 at the time of collection, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 8.90% which is a monthly periodic rate of\nThe Balance Transfer APR is 8.90% which is a monthly periodic rate of\nThe Cash Advance APR is 8.90% which is a monthly periodic rate of\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n.\n.\n.\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0c'


b'Visa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nThis disclosure is designed to give you information concerning your Arizona Central Credit Union Visa Credit\nCard.\nNote: Please read this agreement thoroughly before using your card. Use of the card acknowledges your\nunderstanding of and agreement to the terms and conditions of the Arizona Central Credit Union Visa Card\nDisclosure and Agreement.\nIn this Agreement the words you and your mean each and all of those who apply for the Visa Card, use the\ncard or who sign the application for Visa credit line. Card means the Visa Credit Card and duplicates and\nrenewals we issue. Account means your Visa Card line of credit account with us. We, us and ours mean Arizona\nCentral Credit Union.\nIf you have not been given a copy of Arizona Central Credit Union\xe2\x80\x99s Electronic Funds Transfer Disclosure, ask\nfor one from any Arizona Central Credit Union employee. We can also send you one by mail. Please send your\nrequest to Arizona Central Credit Union, Attention: Member Services, P.O. Box 11650, Phoenix, Arizona 850611650. You may also call us at (602) 264-6421 or toll free 1-866-264-6421.\nLiability: Tell us AT ONCE if you believe your Arizona Central Credit Union Visa Credit Card has been lost or\nstolen or that an unauthorized transaction has occurred or may occur. You may call or write: Arizona Central\nCredit Union, P.O. Box 11650, Phoenix, Arizona 85061 or call us at (602) 264-6421 or toll free 1-866-264-6421.\nIn most cases (assuming no negligence) where we are notified within two (2) business days of discovering\nthe card has been lost or stolen, the cardholder is not responsible for the loss. Prompt notification is the best\nway of keeping your losses down. To minimize or eliminate your potential loss, contact us immediately upon\ndiscovering the lost or missing card. If you are negligent or do not provide proper notification, you may be\nliable for the entire amount of money taken. If your statement shows transactions that you did not make, tell\nus at once. If you do not tell us within sixty (60) days after we sent you the first statement on which the error/\nproblem appeared, you may not get back any money you lost after the sixty (60) days if we could have stopped\nsomeone from taking the money. When you call we may ask you to send us a written statement of what\nhappened within 10 days. Please provide the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspect transaction or error.\n\xe2\x80\xa2 Describe the transaction in question and explain why you believe there is an unauthorized transaction or\nerror. If you need more information, describe the item you are not sure about.\nIf an amount is in dispute, you are not required to make payments on the amount of the dispute; however, you\nwill need to continue making payments on any amount not in dispute.\nWe will tell you the results of our investigation within ten (10) business days after we hear from you and will\ncorrect any error promptly. If we need more time, we may take up to 45 days to investigate your complaint or\nquestion. If we decide to do this, we will credit your account within ten (10) business days. Our business days\nare Monday through Friday; holidays are not included. If we decide there was no error, we will send you a\nwritten explanation within three (3) business days after we finish our investigation. You may ask for copies of\n1\n\n\x0cVisa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nthe documents that were used in our investigation.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will have to\nmake up any missed payments on the questioned amount. In either case, we will send you a statement of the\namount you owe and the date that it is due.\nThe plastic cards issued by Arizona Central Credit Union are the property of Arizona Central Credit Union; we\nmay request that they be returned to the credit union at any time. Arizona Central Credit Union may revoke\ncredit card privileges if your account is not in good standing or if we doubt the ability to collect. If your card\nprivileges are revoked, you will be sent written notification of adverse action.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased with a credit card, and you\nhave tried in good faith to correct the problem with the merchant (in writing), you may have the right not to\npay the remaining amount due on the property or services. There are some limitations on this right:\n\xe2\x80\xa2 You must have made the purchase in your home state, or, if not within your home state, within 100 miles of\nyour current mailing\naddress.\n\xe2\x80\xa2 The purchase price must have been more than $50.\n\xe2\x80\xa2 You have tried in good faith to correct the problem with the merchant directly in writing.\n\xe2\x80\xa2 You act timely.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for\nthe property or services.\n\xc2\xad\t\n\nIn order to continue benefits of an Arizona Central Credit Union Visa Credit Card, you must remain a member\nin good standing. One requirement is that you maintain a minimum share in your account with us.\n1. Responsibility. If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the\nuse of the card account. For example, you are responsible for charges made by yourself, your spouse and minor\nchildren and anyone you allow to use the card or to whom you give the personal identification number (PIN).\nYou are also responsible for charges made by anyone else to whom you give your card, and this responsibility\ncontinues until the credit union is notified in writing. You cannot disclaim responsibility by notifying us, but we\nwill close the account for new transactions. Your obligation to pay the account balance continues even though\nan agreement, divorce decree or other court judgment to which we are not a party may direct you or one of\nthe other persons responsible to pay the account. Any person using the card is jointly responsible with you for\ncharges he or she makes, but if that person signs the card he or she becomes a party to this Agreement and is\nalso jointly responsible for all charges on the account, including yours.\n2. Lost/Stolen Card Notification. If you believe the card has been lost or stolen, you will immediately call the\ncredit union at\n(602) 264-6421 or toll free at 1-866-264-6421. You may be charged a recovery fee up to $75.00 if you or your\njoint owner(s) use Visa Card(s) that have been reported lost or stolen. A $10.00 fee may be assessed for each\n2\n\n\x0cVisa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nreplacement card.\n3. Liability for Unauthorized Use. You understand that your liability to the credit union shall not exceed $50.00\nfor any card transactions resulting from the loss, theft or other unauthorized use of the card, provided that\nthe notice is timely, within two (2) days of discovering the card lost or missing. Also, if you do not tell us within\nsixty (60) days after we sent you the first statement on which the error/problem appeared, you may not get\nback any money you lost after the sixty (60) days if we could have stopped someone from taking the money.\n4. Credit Line. Upon approval, 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.\nEach payment you make on the account will restore you credit line by the amount of the payment which is\napplied to principal. We may reduce your credit line, or revoke your card, and terminate this agreement. If\nnegative action is taken, you will be provided an adverse action notice. Cause includes your failure to comply\nwith this agreement or our adverse reevaluation of your creditworthiness. You may also terminate this\nagreement at any time by paying the balance in full and turning in any outstanding cards, but termination by\neither of us does not affect your obligation to pay the account balance. The cards remain our property and you\nmust recover and surrender to us all cards upon our request and/or upon termination of this Agreement.\nFrom time to time, ACCU may upon request or on its own initiative increase your credit limit. By making an\nauthorized purchase and or cash advance you agree to adhere to the terms and conditions set-forth by the\nCredit Union in its disclosures.\n5. Credit Information. You authorize us to investigate your credit standing when opening, renewing or\nreviewing your account, and you authorize us to disclose information regarding your account to credit bureaus\nand other creditors who inquire of us about your credit standing.\n6. Monthly Payment. You will be sent a statement every month showing your previous balance of purchases\nand cash advances, the current transactions on your account, the remaining credit available under the credit\nline, the new balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to\ndate, and the minimum payment within 25 days of your statement closing date, which is the last day of the\nmonth. You may of course, pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full, and you will reduce the FINANCE CHARGE by doing so. The minimum payment will be either (a)\n2.5% of your total new balance, or $10.00, whichever is greater; or (b) your total new balance, if it is less than\n$10.00, plus (c) any portion of the minimum payment(s) shown on prior statement(s) which remains unpaid.\nIn addition, at any time your total new balance exceeds your credit line, you must immediately pay the excess.\nWe will apply your payments first to LATE CHARGES; then to previously billed and unpaid FINANCE CHARGES;\nthen to previously billed purchases; then to new purchases, whether or not billed on the monthly statement;\nand then cash advances.\n7. Finance Charges. You can avoid a FINANCE CHARGE on purchases by paying the full amount of the new\nbalance of purchases each month within 25 days of your statement closing date, which is the last day of the\nmonth. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to\nyour account, will be subject to a FINANCE CHARGE. Cash advances are always subject to a FINANCE CHARGE\n3\n\n\x0cVisa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nfrom the date they are posted to your account. Foreign Transactions are subject to a currency conversion\nfee which is considered a FINANCE CHARGE. FINANCE CHARGES (interest) is calculated on your balances or\npurchases and cash advances for foreign transactions in the account.\nDaily principal balance is calculated separately from purchases and cash advances and is determined as follows: For\neach day during the statement period (billing cycle) the principal balance of purchases and of cash advances from\nthe previous day are increased by any purchases or cash advances posted to the account that day. Each separate\ndaily principal balance on the loan account is then multiplied by the number of days that balance was owing, times\nthe daily rate, and then added together. Late Charges: $25.00 on payments made more than 5 days after their due\ndate.\n8. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign currencies will\nbe billed to you in U.S. Dollars. The conversion rate to dollars will be made in accordance with the operation\nregulations for international transactions established by Visa International, Inc.\nWhen a purchase or cash advance is done using a foreign currency, Visa assesses a service fee for converting it into\nU.S. dollars. This Currency Conversion Fee will post as separate line item when posted to your account with Arizona\nCentral Credit Union. The currency conversion fee is a finance charge.\n9. Default. You will be in default if you fail to make any minimum payment within 25 days after your monthly\nstatement closing date. You will also be in default if your ability to repay us is materially reduced by an increase in\nyour obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this\nagreement, or if the value of our security interest materially declines. We have the right to demand immediate\npayment of your full account balance if you default, subject to our giving you notice as required by law. To the\nextent permitted by law, you will also be required to pay our collection expenses, including court costs and\nreasonable attorneys\xe2\x80\x99 fees. All sums are due and payable in Maricopa County.\n10. Using the Card. To make a purchase or cash advance, there are two alternative procedures to be followed.\nOne is for you to present the card to a participating Visa plan merchant, to us or to another financial institution,\nand sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the\ntransaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller\nMachine or other type of electronic terminal that provides access to the Visa system. The monthly statement will\nidentify the merchant, electronic terminal or financial institution at which transactions were made, but sales,\ncash advance, credit or other slips cannot be returned with the statement. You will retain the copy of such slips\nfurnished at the time of the transaction in order to verify the monthly statement. The credit union may make a\nreasonable charge for photocopies of slips you may request.\n11. Returns and Adjustments. Merchants and others who honor the card may give credit for returns or\nadjustments, and they will do so by sending us a credit slip, which we will post to your account. If your credits and\npayments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash\nadvances; if it is $1 or more, refund it on your written request or automatically after 6 months.\n12. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant or financial institution to\n4\n\n\x0cVisa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nhonor your card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you\npurchase with the card only if you have made a good faith attempt, but have been unable to obtain satisfaction\nfrom the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated\nin sending you, or (b) your purchase cost more than $50 and was made from a plan merchant in your state or\nwithin 100 miles of your home. Any other disputes you must resolve directly with the plan merchant.\n13. Security Interest. By signing an application, acceptance, or authorized use of any credit cards, you grant and\npledge a consensual lien to us on all shares to secure payment of your obligations on this account. In addition, you\nacknowledge our statutory lien rights under the Federal Credit Union Act; you agree that such a lien is impressed\nas of the date that this account is opened; and you agree that we can apply the shares pledged at the time of any\ndefault on this account without further notice. \xe2\x80\x9cShares\xe2\x80\x9d for the purpose of your pledge to secure your obligations\nto the Credit Union means all deposits in any share shavings, share draft, club, certificate, P.O.D., revocable\ntrust or custodial account(s), whether jointly or individually held \xe2\x80\x93 regardless of contributions, that you have on\ndeposit now or in the future. Your pledge does not include any IRA, Keogh, Health Savings Accounts, tax escrow,\nirrevocable trust or fiduciary account in which you do not have a vested ownership interest.\n14. Effect of Agreement. This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advance, credit or other slips you sign may contain different terms. We may amend this\nagreement from time to time by sending you the advance written notice as required by law. Your use of the card\nthereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our\nnotice, amendments will apply to your existing account balance as well as to future transactions.\n\n5\n\n\x0cVisa\xc2\xae Credit Card Disclosure & Cardholder Agreement\n11/12\n\nP.O.Box 11650 | Phoenix, AZ 85061 - 1650\n(602) 264-6421|Toll free 1-866-264-6421\n\nConsumer Visa Credit Card Disclosure*\nInterest Rates & Interest Charges\nAnnual Percentage Rate (APR) for Purchases, Balance\nTransfers, and Cash Advances\nPenalty APR\nPaying Interest\nMinimum Interest Charge\nCredit Card Tips from the Consumer Protection\nBureau\n\n10.90% to 14.90% when you open your account,\n\nbased on creditworthiness\nNone\nYour due date is at least 25 days after the close of\neach billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the\ndue date each month.\nNone\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at\nconsumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights\nInformation on your rights to dispute transactions and how to exercise those rights is provided.\n\n* The information in this disclosure was accurate as of 1/1/2013, and after that date is subject to change. Rates are based on\ncreditworthiness and underwriting policies. Rates, charges, and fees stated apply unless a specific law requires a lesser amount, in\nwhich case the lesser amount shall apply.\nFor current information, call Arizona Central Credit Union at (602) 264-6421 or toll free 1-866-264-6421; write to ACCU, P.O. Box\n11650, Phoenix, AZ 85061-1650; or visit our website at azcentralcu.org.\n\n6\n\n\x0c'


b'Amendments/Changes in Terms \xe2\x80\x93 We may change the terms of this Agreement at\nany time unless otherwise prohibited by applicable law. We will give you notice of\nany changes in accordance and as required by applicable law. The most recent\ncredit card agreement is available on our website at www.achievacu.com.\n\nWhat To Do If You Think You Find A Mistake On Your Statement \xe2\x80\x93 If you think there is an\nerror on your statement, write to us at:\n\nStatements and Notices \xe2\x80\x93 Statements and notices will be mailed or emailed to you\nat the most recent postal address or email address you have provided to us. Notice\nprovided to any Account owner will be considered notice to all.\n\nIn your letter, give us the following information:\n\nChange of Address \xe2\x80\x93 If your mailing address or contact information has changed,\nor if the address as it appears on this billing statement is incorrect, you must notify\nus promptly by contacting us at the address or telephone number at the beginning\nof this Agreement or use our website at www.achievacu.com. If we note that mail\naddressed to you is returned to us by the United States Postal Service (USPS) with\nan address correction label, you authorize us to accept, at our option, the mailing\naddress correction provided by USPS to correct the address on your Account. If\nyou have elected to receive electronic billing statements for this Account, you\nmust promptly provide us with an update of your correct email address. Your email\naddress may be easily updated by accessing our electronic banking platform\n\xe2\x80\x9cOnline Banking\xe2\x80\x9d located on our website. A bad address may result in a monthly\nBad Address Processing Fee as set forth in our current Consumer Schedule of Fees.\nLiability for Lost or Stolen Cards or Account Number \xe2\x80\x93 If your Card, Account number\nor other means to access your Account are lost or stolen, or you think someone used\nor may use your Account without your permission, you must notify us at once, orally\nor in writing, Monday through Friday 9:00 AM to 5:30 PM at the address and phone\nnumber shown on this agreement or by calling 1.800.543.5073 twenty-four (24) hours\na day, seven (7) days a week. You will not be liable for unauthorized transactions\nthat occur after you notify us of the loss, theft, or possible unauthorized use. You\nwill have no liability for unauthorized purchases made from your Account, unless\nyou are found to be grossly negligent in the handling of your Card or Account. If you\nnotify us properly and no gross negligence was found from your part, your liability\nwill not exceed $50.00 and may be waived under the Mastercard agreement with\nyour Card issuer.\nArbitration \xe2\x80\x93 The Arbitration terms set forth in the Universal Account Agreement\napply to this Account and are hereby incorporated by reference as if set forth in\nfull herein. The Arbitration provisions do not apply to covered borrowers under the\nMilitary Lending Act unless you established your credit card account when you\nwere not a covered borrower.\nGOVERNING LAW \xe2\x80\x93 THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND\nYOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH\nFEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF FLORIDA\nWHERE WE AND YOUR ACCOUNT ARE LOCATED, AND WILL APPLY NO MATTER\nWHERE YOU LIVE OR USE THE ACCOUNT.\nAchieva Cash Rewards Mastercard\xc2\xae - Terms and Conditions \xe2\x80\x93 Cash rewards are\nbased on the qualifying purchases you make and rewards are earned at tier levels\nas follows:\nQUALIFIED PURCHASES\n$0 to $5,000\n$5,001 to $10,000\nOver $10,000\n\nEARNED REWARDS\n0.50%\n1.00%\n1.50%\n\nA qualified purchase is a net retail purchase and does not include credits, returns or\nadjustments. Cash advances, gift card purchases, balance transfers, and purchase\nof monetary instruments are not eligible purchases and will not count towards cash\nrewards. To be eligible for cash rewards, you must be registered for our e-Statement\nservice and agree to receive your Account statements and future disclosures\nelectronically. Earned cash rewards are calculated daily and accrue each day\nthroughout the year. You can see the monthly earned cash rewards amount and\ncumulative balance on your credit card billing statement each month. Cash rewards\nwill not be earned or accrue for any month that you are delinquent on your payment\nfor a period of 30 days or more. Upon earning cash rewards of $20.00 you will be\neligible to redeem your cash rewards. At your instruction, we will post a credit to\nany of your Achieva accounts. Subsequent redemption of cash rewards may be\nmade at any time without the $20.00 minimum requirement. All remaining balances\nin excess of the minimum $20.00 will be paid out each year in November. If your\ncumulative cash rewards earned during the year do not meet the $20.00 minimum\nfor payout, they will be forfeited. Achieva Credit Union reserves the right to modify\nor discontinue this program without notice.\nYOUR BILLING RIGHTS \xe2\x80\x93 This notice contains important information about your\nrights and our responsibilities under the Fair Credit Billing Act.\n\nAchieva Credit Union, P.O. Box 1500 Dunedin, FL 34697\n\xe2\x80\xa2\n\nYour name and account number.\n\n\xe2\x80\xa2\n\nThe dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nIf you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\n\nYou must contact us within 60 days after the error appeared on your statement. At least\n3 days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may\ncall us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question. While we investigate whether or not there has been an\nerror, the following are true:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount. But, if we determine that we made a mistake, you will not\nhave to pay the amount in question or any interest or other fees related to that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake, you will not have to pay the amount in question or any interest\nor other fees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake, you will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount\nYou owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\n\nIf You receive Our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we do not follow all of the rules above,\nyou 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 \xe2\x80\x93 If you are dissatisfied\nwith the goods or services that you have purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n\xe2\x80\xa2\n\nThe purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50.00\n(Note: Neither of these are necessary if your purchase was based on an advertisement\nwe mailed to you, or if we own the company that sold you the goods or services.)\n\n\xe2\x80\xa2\n\nYou must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\n\n\xe2\x80\xa2\n\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 purchase, contact\nus in writing at:\nAchieva Credit Union, P.O. Box 1500 Dunedin, FL 34697\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay we may report you as delinquent.\nThis Agreement, in conjunction with all other agreements you have with the Credit\nUnion, now or in the future, remain in effect and are incorporated into this Agreement by\nreference unless otherwise specifically modified.\n\nP.O. Box 1500\nDunedin, FL 34697\n727.431.7680 | 800.593.2274\nwww.achievacu.com\n\nMastercard\xc2\xae Credit Card Agreement\nEffective June 1, 2020\nDefinitions \xe2\x80\x93 In this Agreement the words \xe2\x80\x9cAccount\xe2\x80\x9d means the Mastercard credit\ncard account approved for you by Achieva Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means the access\ndevice with the Mastercard logo made available to you after approval for the purpose of\naccess to your Account. It also includes future renewed or substituted access devices\nissued to you under this Agreement. The words \xe2\x80\x9cCredit Union\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer\nto Achieva Credit Union or anyone to whom this Agreement may be assigned to in the\nfuture. \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d means the minimum payment required that you must\npay at or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d to avoid late charges. \xe2\x80\x9cFinance Charges\xe2\x80\x9d\nmeans calculated interest based on your approved APR(s) for the funds you borrow\non your Account by making purchases, and other types of transactions. \xe2\x80\x9cPayment Due\nDate\xe2\x80\x9d means the date by which you must make the \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d to avoid late\ncharges. \xe2\x80\x9cTotal New Balance\xe2\x80\x9d means the balance remaining on your Account after the\nprior month\xe2\x80\x99s payment is applied including fees, finance charges, and new transactions.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each liable person who applies for and agrees to the terms\nand conditions of the Account. This includes any person authorized by you to use the\naccount now or in the future.\nAgreement \xe2\x80\x93 This Mastercard Credit Card Agreement together with the Account\nOpening Disclosure and any other subsequent documents provided to you related to\nthis Account (hereinafter collectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with\nthe Credit Union and governs all consumer Mastercard accounts (\xe2\x80\x9cAccounts\xe2\x80\x9d) issued\nby Achieva Credit Union. The agreements, disclosures, rules and regulations applicable\nto your Account including other agreements you have with the Credit Union, now or in\nthe future, remain in effect and are made a part of this Agreement by reference unless\nspecifically modified.\nUsage of your Account \xe2\x80\x93 Use of your Account by you or other authorized users on\nthe Account constitutes consent to the terms and conditions of this Agreement and\nacknowledgement of delivery of a copy of this Agreement. If you allow someone to be\nan authorized user on the Account, you are allowing that person to use the Account\nas you can. You will remain responsible for all transactions and charges made by\nyou and other persons authorized by you. You may use your Card to purchase goods\nand services from merchants and others who accept Mastercard. You may also use\nthe Card for cash advances from financial institutions and automated teller machines\n(ATM) permitting such transactions. Cash withdrawals at an ATM will require the use\nof a personal identification number (PIN). Purchase of goods and services online will\noften require you to enter the security code located on the back of your Card. The Card\nor Cards you receive remain the property of the Credit Union and you agree to surrender\nall Cards upon request or upon termination of this Agreement whether initiated by you\nor the Credit Union.\nResponsibility \xe2\x80\x93 In return for extending credit to you on this Account, you promise to pay\nfor all transactions conducted on this Account including purchases, balance transfers,\nconvenience checks and cash advances, finance charges, fees and other charges as\nset forth in the terms of this Agreement. If more than one person has applied for or is\nliable on the account, each of you will be responsible for paying all charges incurred\nwhether initiated by you or anyone who has your permission to use the Account. In\nthe event that your Card or credit line privileges are suspended and/or terminated by\nthe Credit Union, you remain liable for all amounts owed, plus future interest charges\nand fees.\nAccount Credit Limit and Responsibility \xe2\x80\x93 Your credit limit is established based on\nyour creditworthiness and may increase or decrease from time to time without prior\nnotification to you. Your periodic statement will show the amount of credit available as\nof the statement date. You are responsible for keeping track of your Account balance\n\n#8107\n\n\xc2\xa9 All rights reserved Achieva Credit Union 2020\n1823803 (05/20)\n\n\x0c(including fees and Finance Charges) to ensure that you do not exceed the limit on\nthe Account. Occasionally, and at our discretion we may authorize a charge over the\nlimit of your Account without imposing an over the limit fee. If your billing statement\nindicates that your limit has been exceeded, you will be required to cover the excess\nbalance (in addition to the required \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d) by the \xe2\x80\x9cPayment Due\nDate\xe2\x80\x9d of the statement showing your Account balance over its credit limit. We have the\nright at any time, and when not prohibited by law, to limit or terminate the use of your\nAccount without giving you notice in advance and we will not be liable to you for any\nconsequences resulting from this action.\nRequesting a Limit Increase \xe2\x80\x93 You may at any time request an increase of your limit by\nsubmitting a credit request to us. All requests will be evaluated on the credit information\nof the requestor(s) and current income to establish ability to repay the debt. Final\ndecisions remain at the sole discretion of the Credit Union.\nBilling Period \xe2\x80\x93 To help manage your Account, we divided the year into equal monthly\nbilling periods so you have the convenience of a monthly statement made available to\nyou at least 25 days prior to your \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d The \xe2\x80\x9cPayment Due Date\xe2\x80\x9d will\nalways be the same date each month.\nAnnual Percentage Rates (APRs), Fees and Finance Charges \xe2\x80\x93 APRs for purchase,\nbalance transfer, convenience check, and cash advance transactions vary. Refer to\nyour Account Opening Disclosure for specific APRs. Fees and charges in addition to\nthose contained in the Account Opening Disclosure applicable to your Account are\ncontained in the current Consumer Schedule of Fees available at achieva.com/fees and\nare subject to change.\nMethod of Computing Finance Charges \xe2\x80\x93 We will begin charging interest on purchases\non the date the transaction is posted to our account. We will begin charging you interest\non cash advances and balance transfers on the later of the date of the transaction or\nthe first day of the billing cycle in which the transaction is posted to your Account. No\nFinance Charges will be imposed during any billing period where there is no balance\nowed at the beginning of the billing period or a credit balance exists. If you have a\nprevious balance on your billing statement, we will apply Finance Charges on the\n\xe2\x80\x9cTotal New Balance\xe2\x80\x9d (previous balance plus any fees, purchases, transfers and cash\nadvances minus any payment(s) you made). The Finance Charges are determined by\napplying the Monthly Periodic Rate (MPR) of your Account to the calculation of your\nAverage Daily Balance. Finance Charges for cash advances and transfers begins to\naccrue from the date they are originated or from the first day of the billing cycle in\nwhich the cash advances or transfers are posted to your Account, whichever is later.\nFinance Charges on your purchases of goods and services start accruing on the day\nthe transactions post to the Account. To compute the Monthly Periodic Rate, divide the\nAPR by twelve. To compute the Average Daily Balance, we take the beginning balance\nof your Account each day, then add any new purchases, unpaid Finance Charges, fees,\nand other charges, then subtract any payments, credits or credit adjustments. This gives\nus the daily balance. We then add up all the daily balances for the term of the billing\nperiod and divide the total by the number of days in the billing period. This gives us\nthe \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d All transactions on your Account are calculated by this\nmethod even if calculated separately.\nGrace Period \xe2\x80\x93 \xe2\x80\x9cGrace Period\xe2\x80\x9d means the period of time during a billing cycle when you\nwill not accrue Finance Charges on certain transactions or balance(s). To avoid Finance\nCharges on new purchases of goods and services and to take advantage of the Grace\nPeriod, you must have paid the New Balance from the prior month billing statement in\nfull by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d and pay the \xe2\x80\x9cTotal New Balance\xe2\x80\x9d of the current billing\nstatement (showing all new transactions) in full by 5:00 PM on the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d\nA Grace Period does not apply to balance transfers and cash advances.\nWhen Your Payment will be Credited to Your Account \xe2\x80\x93 If you make your payment in\nperson at one of our branches, your payment will be credited on the same day you make\nthe transaction. Payments made electronically before 5:00 PM will be credited on the\nsame day except for Sundays and Federal Holidays. Mailed payments will be credited\nas of the date they are received. If your \xe2\x80\x9cPayment Due Date\xe2\x80\x9d is a Sunday or Federal\nHoliday, you will not be considered late for any purpose and will not incur a late payment\nfee if your payment is made by the next business day that we are open.\nCurrent Payment Due\xe2\x80\x93 Each month you must pay at least the current payment shown\non your statement by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d on the statement. You may pay more\nfrequently, pay more than the minimum payment or pay the new balance in full. If you\nmake additional payments, you are still required to make at least the minimum payment\neach month your Account has a balance (other than a credit balance). The \xe2\x80\x9cCurrent\nPayment Due\xe2\x80\x9d each month is the greater of $25.00 or 2% of the \xe2\x80\x9cNew Balance\xe2\x80\x9d rounded\nup to the nearest dollar. The \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d must be received by 5:00 PM on the\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d which will be on the same date every month and no less than 25\ndays from the end of the prior billing statement closing date.\nPayment Allocation \xe2\x80\x93 You may pay more than the \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d and make\npayments to your Account at any time without penalty. If your \xe2\x80\x9cTotal Outstanding\n\nBalance\xe2\x80\x9d includes balances with different APRs, we will allocate funds you pay over\nthe \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d to the balance with the highest APR first, and any remaining\nexcess funds after that to the next highest APR in descending order. This will result in\nbalances with higher APRs to be paid before any others. If your credits and payments\nexceed the total balance owed on the Account, your Account will show a credit balance\nand the funds will be applied against future purchases, transfers or cash advances.\nPartial payments will increase the total amount of interest you pay and will not delay\nyour next scheduled payment. We may accept late payments and partial payments\nand such action shall not constitute forgiveness or a waiver of any terms under this\nAgreement. Where your credit and payment balance is $1.00 or more, it will be refunded\nupon your written request or automatically after six (6) months.\nSkip-A-Payment \xe2\x80\x93 From time to time, solely at the Credit Union\xe2\x80\x99s option, you may be\ngiven the option to skip-a-payment. If you elect to take advantage of the offer to skip-apayment, finance charges will continue to accrue during the month you choose to skipa-payment. You must resume paying the Current Payment Due on the next Payment Due\nDate. Any fee incurred may be considered a finance charge. All loans and this Account\nmust be current and the membership must be in good standing to be eligible. A fee of $35\nwill be charged for each skip-a-payment.\nBalance Transfers \xe2\x80\x93 Other financial institutions\xe2\x80\x99 credit card accounts are eligible\nfor balance transfer to this Account and will be treated as cash advances on your\nAccount. During the introductory period of a special promotion, only the balance(s) of\nsuch transfer(s) are subject to the promotional APR. All other transactions you make\n(purchase of goods and services, cash advances) will be subject to the qualified APR\nthat was disclosed to you when you opened the Account. This qualified APR is the same\nas the one that will also apply to any remaining balance(s) of your original other credit\ncard balance transfer(s) after the termination of the promotional introductory period APR.\nForeign Transactions \xe2\x80\x93 Purchase of goods and services or cash advances you make in\nforeign currencies will be converted in US dollars before posting to your Account. On\nthe day Mastercard receives your transaction(s), they select the rate of exchange to\nconvert your transaction(s) in US dollars from a range available to them in wholesale\ncurrency markets. The selected rate may be different than the rate of exchange in\neffect on the day you made the transaction(s) or the day the transaction(s) post to your\naccount. Please refer to the Consumer Schedule of fees for applicable fees.\nCredit Review \xe2\x80\x93 You authorize us to review your credit history by obtaining credit\nreports in connection with your application for this Account and subsequently in\nconnection with a purchase, a review of your Account, or efforts to collect any amount\ndue on your Account. Upon your request, we will tell you whether or not a credit report\nwas requested and the name and address of the consumer credit reporting agency we\nused. Your authorization also extends to inquiries we may initiate with your employer,\nbusinesses or financial institutions where you may have (now or in the past) established\nrelationships, and persons you named as references.\nCredit Information \xe2\x80\x93 We may report information about your Account to credit reporting\nagencies, including a failure to pay us on time (late payments, missed payments or other\ndefaults). This applies to all parties liable for this Account. We may also access your\nconsumer credit report for any permissible purpose under the Fair Credit Reporting\nAct, including periodic reviews of your creditworthiness, collections and future credit\nline increases or decreases and to display your credit score within online banking and\nmobile access.\nAccount Termination \xe2\x80\x93 You may close this Account at any time without any specific\nreason. If you close this Account, we may require you to put the request in writing and\nyou agree that you are responsible to pay the total balance due (including fees and\nFinance Charges) on the Account under the current terms of the Agreement in force at\nthe time the Account is closed. We have the right to close or suspend privileges on this\nAccount at any time and for any reason without prior notice.\nIllegal Transactions \xe2\x80\x93 You agree that you will not use your card for transactions\nconsidered illegal under applicable federal, state, or local laws. Transactions made on\nillegal internet gambling sites are prohibited and, where identified, will be rejected and\ncan cause the termination of your Account. You agree to pay us for all transactions\nmade on your account even if the transaction is determined to be illegal. You agree to\ndefend us against and hold us harmless from any damages or liability arising from a\ntransaction initiated by you or your Authorized User, if any, for the purpose of conducting\nan illegal activity.\nDefault \xe2\x80\x93 You will be in default and all available credit under this Agreement may be\nterminated if you fail to make the \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d\non your billing statement. You understand that failure to timely make loan payments may\nresult in suspension and/or termination of electronic or other access to account funds\non all accounts held with the Credit Union. You may also be considered in default if\nyou fail to promptly pay any amount exceeding the credit limit of your Account. If you\nbreach any promise or obligation under this Agreement, if you become incapacitated,\nor if you file bankruptcy subject to applicable law, we may also consider you to be in\ndefault under this Agreement. You will also be found to be in default if any statement\n\nmade by you to us in connection with this Account, or any other credit program\nwith us was false or misleading. If we receive information indicating that you are\ndeceased, bankrupted, intent to file for bankruptcy, or are unable to pay your debts\nas they become due; or we receive information leading us to conclude that you are\nno longer credit worthy, or in the event of default, subject to any right you may have\nunder applicable law, we may demand the payment of the entire unpaid balance\ndue. If we must refer your Account to an attorney, you agree to pay our reasonable\nattorneys\xe2\x80\x99 fees and court costs, but only to the extent and in the amount permitted\nby applicable law.\nSecurity Interest \xe2\x80\x93 If the security of this Account required a specific pledge of your\nshares where you signed a specific pledge agreement, you agree that you may\nnot withdraw amounts that have been specifically pledged to secure this Account\nuntil we agree to release all or part of the pledged amount. You also specifically\nand as a condition of the Account, grant us a consensual security interest in your\nindividual and/ or joint share accounts held with us. You agree that we may (without\nprior notice and to the extent permitted by applicable law), charge against and\ndeduct from any of your accounts, whether individual or jointly owned, at the Credit\nUnion except for deposits which may be held pursuant to an Individual Retirement\nAccount or other tax-deferred retirement account, any due and payable debt owed\nto us now or in the future. This includes the total amount of which we are entitled\nto demand payment under the terms of this Agreement including collateral securing\nother loans, which are part of a credit plan you have with the Credit Union, except\nfor the security interest in your principal dwelling, may also serve as security for\nthis Account in case of default. This consensual security interest does not apply for\nperiods when you are a covered borrower under the Military Lending Act.\nYour Account is secured by all other shares you have in any individual\nor joint account with the Credit Union, except for shares in an Individual\nRetirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares\nmay be withdrawn unless you are in default under this agreement. You\nauthorize the Credit Union to apply the balance in your individual or joint\nshare account to pay any amounts due on your account if you should default.\nThis consensual security interest does not apply for periods when you are a\ncovered borrower under the Military Lending Act.\nMilitary Lending Act Protections \xe2\x80\x93 Under the Military Lending Act, the following\nstatement applies to covered borrowers (Active Duty servicemembers and\ntheir dependents) with accounts established on or after October 3, 2017: Federal\nLaw provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit\ninsurance premiums; fees or ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account). To receive this information\nand a description of your payment obligation verbally, please call us at 800.593.2274.\nEnforcing this Agreement \xe2\x80\x93 We have the right to enforce or not enforce our rights\nunder this Agreement without losing the right to enforce them in the future. A delay\nin action does not indicate that we cannot exercise these rights at a later date as\npermitted by law. If any term of this Agreement is found to be unenforceable, all\nother terms will remain in full force.\nConsent to Contact, Telephone Monitoring and Recording \xe2\x80\x93 You consent that by\nproviding your phone number and/or initiating a transaction, we may monitor and/\nor record any telephone conversation with you for any reason. You agree that\nthe Credit Union is not required to remind you before each telephone call that\nthe conversation is subject to monitoring and/or recording in accordance with\napplicable law. By signing your Signature Card, opening, maintaining or using any\nAccount or service with the Credit Union, you authorize us to contact you via email,\ntext or phone, including mobile phone, at any number or email address that you have\nprovided or that otherwise reaches you, for any purpose, including but not limited\nto service, marketing or debt collection. This consent is regardless of whether the\nnumber we use to contact you is assigned to a landline, a paging service, a cellular\nwireless service, a specialized mobile radio service, other radio common carrier\nservice or any other service for which you may be charged for the call. You further\nauthorize us to contact you through the use of voice, voicemail and text messaging,\nincluding the use of pre-recorded or artificial voice messages and an automated\ndialing device automatic telephone dialing system. You also expressly consent that\nwe may send email messages regarding your account to your email address.\n\n\x0c'