b'CREDIT CARD AGREEMENT AND DISCLOSURE\nThis Logix Credit Card Agreement and Disclosure (Agreement and Disclosure) sets forth the terms and conditions of the Logix Federal\nCredit Union Platinum Classic, Platinum and Platinum Rewards Credit Cards and contains important information and disclosures as\nrequired by law. All terms and conditions in this Agreement and Disclosure apply to the Logix Platinum Classic, Platinum and Platinum\nRewards Credit Cards unless otherwise identified.\nPlease Read it Carefully and Retain this Agreement and Disclosure.\nIn this Agreement and Disclosure, the words "you", "your" and "yours" mean each and all of those who apply for, sign, or use the\nCredit Card. The words "we", "us\xe2\x80\x9d, "our", and \xe2\x80\x9cLogix\xe2\x80\x9d each mean Logix Federal Credit Union. \xe2\x80\x9cCredit Card\xe2\x80\x9d and "Card" mean the\nPlatinum Classic, Platinum and Platinum Rewards Credit Card issued to you and any duplicates and renewals we may issue. Rewards\nmeans the Platinum Rewards Credit Card. "Account" means your Credit Card Account with Logix unless otherwise stated. By accepting\nand/or using the Credit Card, or by your authorizing anyone else to use the Credit Card, you agree to be bound by the terms and\nconditions of this Agreement and Disclosure. Additional Rewards information is available at www.lfcu.com or call (800) 328\xe2\x80\x905328. All\nterms and conditions in this Agreement and Disclosure including any application that you provided (including any application you\nmade over the telephone or the Internet) apply to your Account.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.\nIntegrated Document(s). You understand and agree that the Credit Card Congratulations \xe2\x80\x9capproval\xe2\x80\x9d letter and the Credit Card\nAgreement Rates and Fees Table that are included with this Agreement and Disclosure are incorporated herein by reference and are an\nintegrated part of this Agreement and Disclosure. In addition, any separate sheet of paper, which is delivered together with and\nincorporates this Agreement and Disclosure by reference, is an integrated part of this Agreement and Disclosure. Any future\namendments to this Agreement and Disclosure will be labeled as such and will form an integrated part of this Agreement and\nDisclosure.\nAdditional Credit Card Benefits and Services. There are additional benefits and services available from Mastercard for you, a\nMastercard cardholder. Please call (800) 328\xe2\x80\x905328 to request an informational brochure. We have the right to add, modify, or delete\nany benefit, service, or feature of your Card at our discretion.\nChange in Terms. Account and Agreement and Disclosure terms are not guaranteed for any period of time. You understand and agree\nthat we may amend, modify, add to, or delete from this Agreement and Disclosure any of its terms and conditions, including financial\nterms such as the method of application and the amount of any interest charge, transaction fee, or other finance charge, Annual\nPercentage Rate, periodic rate and/or fee in accordance with applicable laws. If required by applicable law, a notice of the change will be\nmailed to you at your last known address or delivered electronically via Online Banking when you electronically agree to receive electronic\nnotices and statements from Logix. You also understand that in the event of a significant change in account terms, as defined under\nthe Federal Truth\xe2\x80\x90in\xe2\x80\x90Lending Act, any such notice will be mailed or electronically delivered (if applicable), at least forty\xe2\x80\x90five (45) days prior\nto the effective date of the significant change in account terms as required by applicable law. If we are required by applicable law to provide\nyou a right to reject significant changes to this Agreement and Disclosure prior to the effective date of such changes, we will provide you\nwith an explanation of how to reject the significant changes, unless you fail to make a required minimum payment within sixty (60) days\nafter its due date. We may change the terms of this Agreement and Disclosure based on information in your credit report, market\nconditions, and business strategy or for any other reason. A Notice of Change\xe2\x80\x90In\xe2\x80\x90Terms will be sent to you when required, but may be sent\nas late as the effective date of the change where the change has been agreed to in writing by you.\nACCOUNT INFORMATION\nCredit Limit. We will establish a Credit Limit for you as the maximum principal amount of credit available to you under this Agreement.\nYou agree not to request or obtain purchases, balance transfers, or cash loan advances above your Credit Limit at any time. To do so\nis an event of default, subject to remedies stated below. You will pay any amounts that exceed the maximum Credit Limit upon\ndemand. We will advise you of your Credit Limit in writing and it will become part of this Agreement by this reference. You understand\nthat your Credit Limit can be increased and decreased by us at any time; however, we will notify you, in writing, of any change.\nShare\xe2\x80\x90Secured Credit Card \xe2\x80\x93 Grant of Security Interest. If you have been granted a share\xe2\x80\x90secured Credit Card, you understand that\nthe granting of the security interest is a condition of us granting you an Account. You understand and agree you have granted us a\nsecurity interest in a savings account as designated by you by executing the Share\xe2\x80\x90Secured Credit Card Security Agreement, which is\nincorporated into and made part of this Agreement and Disclosure by this reference.\nYou understand that you must, at all times, keep a sum equal to your Credit Limit on deposit in the designated savings account(s) shown\non the Share\xe2\x80\x90Secured Credit Card Security Agreement until you repay your entire Account balance and the Account is terminated.\nYou understand and agree that this security interest will cover future purchases, balance transfers, and advances under this\nAgreement and Disclosure. If you default, we may apply these shares to repay your Account balance in accordance with federal or\nother law. You understand that the Annual Percentage Rate does not take into account the amount pledged in your designated regular\nshare account(s).\nUSING YOUR CREDIT CARD ACCOUNT\nSign Your Card. Immediately sign the signature panel on the back of your Card upon receipt. The Card must be signed in order to be\nvalid.\nUsing the Card. To make a purchase or obtain a cash loan advance: (1) Present the Card to a participating merchant, to us, or to another\nfinancial institution, and sign the sales slip or cash advance draft which will be imprinted with your Card Number; (2) Obtain a cash\nloan advance by using your Card and Personal Identification Number (PIN) at a participating ATM; (3) Swipe or insert your Card to\nmake purchases at participating merchants; or, (4) Use of your credit card Convenience Checks which may be provided to you by Logix.\n\nPage 1 of 8\n\n\x0cYou may be required to enter your PIN number. Chip and PIN is the highest level of security provided on chip credit cards. There may\nbe some merchant terminals that will ask for a PIN to be entered with your purchase.\nYou may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses\nan undue risk of illegality or unlawfulness. We are not responsible for the refusal of any plan merchant or financial institution to honor\nyour card.\nATM/ITM Access for Cash Advances and ATM Cash Advance Limits. Your Card and Personal Identification Number (PIN) can be used\nto obtain cash loan advances from your Account at Logix ATMs and at other ATMs that allow PIN based Credit Card cash loan advances.\nYou may obtain cash loan advances against your Account up to a maximum aggregate total of $600 per day, provided sufficient credit\nis available.\nCredit Card Convenience Checks. Convenience Checks drawn against your Account may be provided to you upon request or issued to\nyou as a convenience from time to time by Logix. You may use these checks like you would your personal checks to pay for\nmerchandise, pay off bills, other loans or credit cards. Use of any Credit Card Convenience Check will constitute a cash loan advance\nagainst your Account and interest will begin to accrue from the date the Convenience Check is posted to your Account (see Cash Loan\nAdvance).\nUsing Your Logix Platinum Rewards Credit Card to Earn Rewards. To participate in the Logix Rewards Program and earn Points, you must\nfirst establish an assigned Logix rewards account by opening (on approved credit) a Logix Platinum Rewards Account. No retroactive credit\nwill be given for transactions made before the rewards account is assigned. Points cannot be used in conjunction with other frequency or\nrewards programs. Note: To redeem rewards, you must be a member in good standing with Logix. Refer to the Logix Rewards Program\nDisclosure \xe2\x80\x93 Program Rules for complete details. Logix reserves the right to change or terminate the rewards program at any time.\nCard Ownership. Any Logix Credit Card issued to you or to another person at your request remains the property of Logix. You agree\nto notify us promptly of the loss, theft, or unauthorized use of your Credit Card. You agree we may terminate, limit and/or modify your\nright to use your Credit Card at any time in the future without notice to you.\nLost/Stolen Card Notification and Liability for Unauthorized Use. You will take reasonable steps to prevent the unauthorized use of\nyour Card and Account. You accept responsibility for safeguarding all cards and PINs issued to you and any other users. If your Card is\nlost or stolen, you must tell us at once of the loss, theft, or unauthorized use of your Logix Credit Card. You agree to notify us\nimmediately, orally or in writing at: Logix, Attn: Card Services, P.O. Box 4036, Castaic, CA 91310\xe2\x80\x904036, or Telephone: (800) 328\xe2\x80\x905328\nor for International Calls (818) 565\xe2\x80\x902020.\nYou may be liable for the unauthorized use of your Credit Card. You will not be responsible for charges made to your Account that are\nfound to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate,\npursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable\nto us. Your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases\nmade with your Credit Card. For additional information regarding your rights and our responsibilities, please refer to the \xe2\x80\x9cYOUR\nBILLING RIGHTS\xe2\x80\x9d section of this Agreement. Your liability may be greater if we can prove that you did not use reasonable care or were\nfraudulent in the handling of your Credit Card or Account.\nJoint Accounts and Co\xe2\x80\x90Signors. If you are a co\xe2\x80\x90signor or if this is a joint account, you agree to be individually and jointly responsible\nwith the other borrower(s). Each of you authorizes the other(s) to obtain advances and make purchases individually under this Account.\nWe do not have to notify you if payments on the account are not made by the other borrower(s) on time. We can change the terms\nof payment and release any security without notifying you or releasing you from responsibility on this Agreement and Disclosure. If this\nis a joint account, upon request by any party to the account or upon our receipt of inconsistent instructions, we may, at our option and\nwithout notice to any other party, refuse any request for an advance or an increase in the Credit Limit amount, or refuse any other\nrequest with respect to the account.\nOTHER AGREEMENTS, TERMS AND CONDITIONS\nYou agree to keep your Credit Card in a safe place and permit no unauthorized person to use it. You further agree not to tell any\nunauthorized person your PIN or write your PIN on the Card or otherwise make it available to anyone else.\n1. You agree to tell us immediately upon the loss or theft of your Card or PIN.\n2. The Card remains the property of the Credit Union and you agree to surrender the Card to the Credit Union upon demand. The\nCredit Union may cancel, modify or restrict the ATM\xe2\x80\x90access feature of your Card without notice: if you have exceeded your Credit\nLimit; if we are aware that you have violated any term of this Agreement whether or not Logix has suffered a loss; or where it is\nnecessary to maintain or restore the security of your Account or recall the Credit Card through retrieval by any of the automated\nteller machines (ATMs.).\n3. If you authorize Logix to issue a Card to anyone else, you authorize that individual to make purchases and obtain cash loan advances\nfrom your Account using the Credit Card. You will be solely responsible for all usage by your designated authorized user and\nunderstand you are fully responsible for all payments.\n4. You agree to indemnify and hold Logix harmless from any costs or damages you sustain as a result of Logix carrying out, in a\nreasonable manner, any written instructions provided by you.\nINTEREST\nThe Annual Percentage Rate (APR) includes interest and may include fees considered to be a finance charge. The APR is based on an\nIndex Value plus a Margin. The Index is the highest U.S. Prime Rate as published in the Wall Street Journal on the day following your\nbilling cycle date, rounded up to the nearest one\xe2\x80\x90quarter of one percent (0.250%)(the Index Value). Your billing cycle date is the same\nday of each month as indicated on your credit card statement. If the U.S. Prime Rate increases, your rate will increase. Should the\nIndex be discontinued or otherwise be made unavailable during the term of your line of credit, we will choose a new Index that is\nbased on comparable information and we will provide you notice of this change.\n\nPage 2 of 8\n\n\x0cThe Margin is a specific number of percentage points, which is added to the Index Value to calculate the Annual Percentage Rate.\nThe Margin for the Platinum Classic Credit Card ranges between 9.99% and 14.49%. The Margin for the Platinum Credit Card ranges\nbetween 4.99% and 14.49%. The Margin for the Platinum Rewards Credit Card opened before September 4, 2019 ranges between\n5.99% and 14.49%. The Margin for the Platinum Rewards Credit Card opened on or after September 4, 2019 ranges between 7.49%\nand 14.49%. The margin is the same for purchases, cash loan advances, and balance transfers.\nAsk us for the current Index Value. Your Daily Periodic Rate and corresponding Annual Percentage Rate, as well as the applicable\nIndex + Margin are included in your Congratulations \xe2\x80\x9cApproval\xe2\x80\x9d Letter. APR information will be reflected on your periodic statements.\nIntroductory or Promotional Rate. From time to time, there may be an introductory and/or promotional periodic rate and\ncorresponding Annual Percentage Rate for purchases, cash loan advances, and/or balance transfers. The introductory rate and/or the\npromotional rate may be a discounted rate that is not based upon the Index and Margin used to make later adjustments. For example:\nIf the introductory periodic rate is 0.00% and corresponding APR is 0.00% for credit card purchases made during the first twelve (12)\nmonths, such introductory periodic rate and Annual Percentage Rate will remain applicable for a period of twelve (12) months. Upon\nexpiration of the twelve (12) months, your purchase transactions will be subject to variable periodic rates and Annual Percentage\nRates calculated by adding the applicable Index Value to your Margin as described in this Agreement and Disclosure and your\nCongratulations \xe2\x80\x9cApproval\xe2\x80\x9d Letter. All other transactions will be subject to the variable non\xe2\x80\x90discounted periodic rate and\ncorresponding non\xe2\x80\x90 discounted Annual Percentage Rate calculated as set forth in your Congratulations \xe2\x80\x9capproval\xe2\x80\x9d letter and explained\nin this Agreement and Disclosure. The Promotional Rate may not be for the entire line of credit. For example: The credit card limit is\n$10,000 and the current credit card balance is $0. The Introductory Rate or Promotional Rate may be limited up to $5,000 of the\navailable credit of $10,000. We may end your Introductory or Promotional Annual Percentage Rate during the promotional period\nand apply the penalty Annual Percentage Rate if your minimum required payment is more than 60 days late at any time.\nVariable Rate Information. The Platinum Classic, Platinum and Platinum Rewards Credit Cards have a variable\xe2\x80\x90rate feature, and the\nAnnual Percentage Rate (corresponding to the periodic rate) and the minimum payment may increase as a result. Any increase or\ndecrease in the Annual Percentage Rate will result in changes in the amount and/or number of payments required to repay the\nAccount balance. Decreases in the Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are\nmandatory. Increases in the Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are at our\ndiscretion.\nRate Changes. Increases and decreases in the ANNUAL PERCENTAGE RATE resulting from changes in the Index can occur monthly, that\nis, each billing period on the first day following your billing cycle date (the \xe2\x80\x9cChange Date\xe2\x80\x9d). On the date following your billing cycle\ndate, we will adjust the ANNUAL PERCENTAGE RATE on the Account. Annual Percentage Rate is based on the Index Value in effect as\nof the date following your billing cycle date, plus your Margin, and will be effective for the current (new) billing cycle. If there is no\nchange in the Index Value on the Change Date, the Annual Percentage Rate will not change for that billing cycle. The Maximum Annual\nPercentage Rate is currently capped by regulation at 18.00%. Logix reserves the right to increase the maximum interest rate if permitted\nby law or regulation.\nPenalty Rate \xe2\x80\x90 Credit Cards Not In Good Standing. If your minimum required payment is more than 60 days late at any time, we will\nincrease the Annual Percentage Rate, after such notice to you as is required by law, to a variable rate (Penalty Rate) equal to and\ncurrently capped at 18.00%. We will apply the Penalty Rate to your entire Account balance and to any future transactions. If you make\nsix (6) consecutive minimum periodic payments on time after the date we applied the Penalty Rate, your rate will return to the non\xe2\x80\x90\npenalty APR applicable to your Account.\nBALANCE(S) SUBJECT TO INTEREST RATE(S)\nComputing the Interest Charge. The interest charge on your Account is computed each billing period by multiplying the Average Daily\nBalance on your Account by the applicable Daily Periodic Rate (the ANNUAL PERCENTAGE RATE divided by 365) and then multiplying\nthis figure by the number of days in the billing period.\nInterest Charges on Cash Loan Advance: Interest will be imposed on all cash loan advances that you obtain through the use of your\nCredit Card or Convenience Checks, including credit withdrawals at ATMs, and advances initiated via transfer through Telephone\nBanking, Online Banking, and through the Checking Account Overdraft Protection feature of your Card, as of the date of posting of\neach such cash loan advance. Interest will continue to accrue until the cash loan advance is repaid.\nCredit Purchases of Goods and Services. Interest will be imposed on credit purchases of goods and services that you obtain with your\nCard as of the date such credit purchase is posted to your account and will continue to accrue until the date the credit purchase is repaid.\nHowever, Interest will not be imposed on credit purchases if paid in full by the payment due date during the grace period.\nGrace Period. There is a grace period of 25 calendar days on all credit purchases of goods and services. In order to avoid interest\ncharges on new purchases, you must pay the entire New Balance shown on the statement by the Payment Due Date. If you do not pay\nin full the New Balance shown on the statement by the Payment Due Date, all new purchases will accrue interest at the daily periodic\nrate from the date of the purchase until the closing date of the billing cycle. There is no grace period on balance transfers or on cash\nloan advance transactions. Some examples of cash loan advances include cash withdrawals at ATMs; advances initiated via transfer\nthrough Telephone Banking or Online Banking; Convenience Checks; or advances for Checking Account Overdraft Protection transfers,\nwhich accrue interest charges from the posting date.\nAverage Daily Balance (Including Current Transactions) Computation Method. We figure the Interest on your account by applying the\nperiodic rate to the "Average Daily Balance" of your account (including current transactions). To get the "Average Daily Balance" we take\nthe beginning balance of your account each day, add any new purchases, balance transfers, and advances, and subtract any payments or\ncredits and unpaid interest. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total\nby the number of days in the billing cycle. This gives us the "Average Daily Balance".\n\nPage 3 of 8\n\n\x0cPAYMENTS AND DEFAULT\nPayments. You will receive a statement for each monthly billing period in which your account has an outstanding balance, itemizing\nthe transactions on your account. You must make payments at least monthly in an amount at least equal to the minimum payment\namount. The minimum payment amount will be based on the new balance shown on your statement. Such payments must be made\nregardless of any prepayments as long as a balance exists. Your periodic payment is applied in the following order: (a) to late charges\nand fees, if any; (b) to periodic interest on balance transfers, advances, and purchases; (c) the unpaid balance of cash loan advances\nand balance transfers; and, (d) credit purchases of goods and services. Payments in excess of the required MINIMUM PAYMENT will\nbe applied first to the balances subject to the highest Annual Percentage Rate and then to balances subject to lower Annual\nPercentage Rates, in descending order of Annual Percentage Rates until all balances subject to an Annual Percentage Rate are paid in\nfull. You must pay each billing period, by the specified Payment Due Date, a MINIMUM PAYMENT of at least 2% of the outstanding\nbalance, but not less than $30.00. If your balance is less than $30.00, the MINIMUM PAYMENT amount will be your balance.\nRepayment. You promise to repay to us at our office in Castaic, California, or such other place as we may designate in writing, all sums\nadvanced by us from time to time under this Agreement, all applicable charges and fees, any interest and any other charges computed\non the credit card account as described below.\nAutomatic Payment Option. If you have elected Automatic Payment (or "AutoPay"), Logix will automatically deduct and transfer your\nmonthly Credit Card payment from your designated Logix checking or savings account on the scheduled Payment Due Date. The\nAutomatic Payment Option is voluntary, is not a condition of credit or this Agreement, and can be withdrawn by you at any time.\nWhen you elect AutoPay, you agree and authorize us to adjust the automatic payment amount each month to either the minimum\nmonthly payment (Required Payment Due) or \xe2\x80\x9cpayment in full\xe2\x80\x9d. Notification of the varying payment amount due and scheduled\npayment due date will be satisfied by providing you with a monthly billing statement reflecting this information.\nIf sufficient funds are not available in your designated checking or savings account to satisfy the total amount of the payment when\ndue, we will take whatever funds are available each processing day until the minimum payment is satisfied. If due to insufficient\nfunds, we do not transfer funds to make your required Credit Card payment, you will be responsible to ensure that the required\nCredit Card payment is made. If your designated checking or savings account has insufficient funds on the scheduled payment date on\ntwo or more occasions, we may terminate the Automatic Payment option.\nUnless terminated earlier by us, the Automatic Payment option remains in full force until Logix receives written or verbal notification\nfrom you terminating the arrangement. Your request for termination must give Logix reasonable opportunity to act on it.\nPrepayments. Though you need only pay the minimum payment due set forth in your monthly statement, you understand that you\nhave the right to repay your Account balance at any time without penalty. You also understand and agree that you will only be charged\ninterest charges to the date you repay your entire Account balance. You may make larger payments without penalty and this may\nreduce the total amount of interest charges that you will repay. If you pay more than the minimum payment due in any month and\nthere is still a balance due, you must continue to make minimum payments in future months. Any partial payment of your Account\nbalance will not advance your next payment due date(s). You understand and agree that any payment that (a) delays or (b) accelerates\nthe repayment of your Account balance will (a) increase or (b) decrease your periodic interest charge. Credits from merchants may\nnot be applied to the minimum payment due.\nIrregular Payments. We may accept late payments or partial payments, or checks, drafts or money orders marked "Payment in Full",\nwithout losing any of our rights under this Agreement.\nPayments Marked, \xe2\x80\x9cPaid In Full\xe2\x80\x9d. We may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or\nusing other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights\nunder this Agreement and Disclosure. Full satisfaction of indebtedness will be accepted by us only in a written agreement, signed by\none of our authorized Logix Federal Credit Union representatives.\nEvents of Default. You will be in default under this Agreement if any of the following events shall occur: (a) In the event of your\ndeath, (b) If you are determined incompetent; (c) If you fail to comply with the minimum payment or any other terms or conditions\nof this Agreement or any other obligation you have or will have with us (for late payment see also \xe2\x80\x9cPENALTY RATE\xe2\x80\x9d above); (d) If you\nmake false or misleading statements in any credit application or update of credit information; (e) If you should become insolvent;\n(f) If a petition should be filed or other proceedings should be started under the Federal Bankruptcy Code or any State insolvency\nstatute by or against you; (g) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued\nagainst you or any of your property, assets or income; (h) If we should consider yourself or any debts due under this Agreement\nunsafe or not completely secure or if we should believe, in good faith, that the chances of your paying or performing all of your\nobligations under this Agreement have been impaired; or, (i) If you are no longer the trustee, account owner or have authority to\nsign on the related membership share account. If you fail to fulfill the terms of this Agreement and Disclosure, a negative report\nreflecting on your credit record may be submitted to consumer credit reporting agencies.\nEntire Balance Due. If you are in default, we may require that you immediately pay the outstanding balance with interest due on the\nbalance at the applicable Annual Percentage Rate provided in the above \xe2\x80\x9cInterest Charges\xe2\x80\x9d section until paid. You also agree our\nobligation for further credit extensions shall immediately end. If we demand full payment of the outstanding balance and you fail to\nimmediately make payment, you agree to pay all collection costs and fees.\nCollection Costs. If you are in default under this Agreement and Disclosure, you agree to pay all collection costs, including without\nlimitation, our reasonable attorney\'s fees and court costs incurred during collection.\nTermination of Membership/Membership Not in Good Standing. Granting you an Account is conditioned upon your continued\nmembership with Logix. Discontinuation of your Logix membership will result in termination and revocation of your Credit Card\nprivileges, requiring you to return all Credit Card(s) to Logix and payment of the "ENTIRE BALANCE DUE" as identified in the above\nsection.\nIf your membership is not in good standing, Logix reserves the right to terminate services. If your Credit Card is terminated, you are\nresponsible to pay the balance in full.\nResponsibility. You agree to repay us according to the terms of this Agreement and Disclosure for all purchases, cash loan advances,\nPage 4 of 8\n\n\x0cbalance transfers transactions, interest, over\xe2\x80\x90 limit, annual fees and late charges, if any, arising from the use of the Credit Card by you,\nor any other person you permit to use the Card, even if that person exceeds your permission, or if we approve charges in excess of the\nCredit Limit.\nCHECKING ACCOUNT OVERDRAFT PROTECTION\nOverdraft Protection Feature and Application: Your Logix Credit Card includes Overdraft Protection for your Logix checking account.\nThe checking account Overdraft Protection feature applies to any overdraft on your checking account, provided your Credit Card\nAccount has sufficient available credit and is not otherwise restricted by us. Overdraft Protection cannot be restricted or limited to\nchecking account overdrafts caused by any specific or exclusive individual signer(s) on the account.\nLiability For Overdrafts Caused By Any Checking Account Signer: You understand that if advances are made against your Account to\ncover overdrafts to your checking account created by other persons with the right to access said checking account, you will be fully\nliable for such advances nonetheless.\nAdvances for Overdraft Protection: All advances against your Account for purposes of providing overdraft protection are cash loan\nadvances and are subject to interest charges as identified above. All advances to cover checking account overdrafts will be made in\nincrements of $100.\nOverdraft Protection Procedure: If we receive one or more checks or other item drawn against your Logix checking account which\nexceeds the available balance in your checking account at the time the check or other item is received by us, such check or other item\nwill be considered a request for a cash loan advance by you against your Credit Card Account(s) and/or ReadyLine of Credit or a funds\ntransfer from your Logix savings account, in an amount sufficient to permit us to honor and pay the check or other item and any\nOverdraft Protection Transfer Fee, but not to exceed your approved Credit Limit or savings account available balance, and, if your\nrequest is thereby approved by us, we will credit the loan advance or funds transfer to your checking account. If you have established\nboth a Logix Platinum and Logix Platinum Rewards Credit Card on the membership account number associated with the Logix checking\naccount against which the check or other item is presented, we will first look to the oldest/first established Logix Credit Card Account\nto initiate the Overdraft Protection cash loan advance. If there is insufficient credit available on the first/oldest established Logix Credit\nCard Account we will then look to your other Logix accounts as established under the same membership account number to advance\nor transfer the funds, provided there is sufficient available credit or funds, in the following order: (a) your ReadyLine of Credit; (b) your\nmain savings or additional savings account; and (c) your next/latest established Logix Credit Card Account, to initiate the cash loan\nadvance or savings account funds transfer to cover the amount of the check(s) or other item(s) plus the Overdraft Protection Transfer\nFee. Depending on the amount of available credit on your Logix Credit Card Account(s) and the amount of the check or other item\npresented for payment we may initiate cash loan advances or funds transfers against more than one of your Logix accounts and Credit\nCards in order to cover the amount of the check or other item and the related fee so that we can honor and pay the check(s) or other\nitem(s). However, if sufficient credit is not available on the Logix Credit Card Account(s) or ReadyLine, or sufficient funds are not\navailable in your Logix savings account(s) to cover the entire amount of the check(s) or other item(s) and any fee, we will not initiate\na Checking Account Overdraft Protection cash loan advance or savings account funds transfer under this Logix Credit Card Agreement\nand Disclosure, the check(s) or other item(s) will be returned unpaid and we will charge you an NSF fee per check or item. You have\nthe right to change the above described hierarchical order of Checking Account Overdraft Protection transfers made from your Credit\nCard Account(s), ReadyLine, and savings account(s), to cover your Logix checking account overdrafts. Refer to the \xe2\x80\x9cOVERDRAFT\nDISCLOSURES\xe2\x80\x9d section of the Membership and Accounts Agreement and Disclosure for additional information.\nLimit: Your Checking Account Overdraft Protection limit will be part of, and not in addition to, your total approved Credit Limit under\nthis Agreement.\nMERCHANTS\nCredits. If merchants who honor your Card give you credit for returns or adjustments, they will do so by sending us a credit, which we\nwill post to your Account. If your credits and payments exceed what you owe us, we will hold and apply the credit balance against\nfuture purchases or cash advances, or we will refund the credit balance to you within seven (7) business days of receipt of your written\nrequest if the credit balance is $1.00 or more.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan merchant or financial institution to honor the Account\nand/or Card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the\nCard only if you have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) your\npurchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than\n$50.00 and was made from a plan merchant in your state or within 100 miles of your current mailing address. Any other dispute you\nmust resolve directly with the plan merchant. If you dispute a charge with a merchant, we may, at our discretion, credit your Account\nfor all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the\nmerchant. You agree that you will not pursue any claim against the merchant for the credited amount, and you must cooperate with\nus if we decide to do so.\nInvestigation Authorization. You agree to advise us of any changes in your financial condition which may adversely affect your\ncreditworthiness and authorize us to obtain information concerning your creditworthiness from consumer/credit reporting agencies,\nemployers, or others, both now and in connection with updates, renewals, and later credit extensions. At your request, we will tell\nyou if such information has been obtained or if we take adverse action on your account as a result of information obtained from a\nconsumer credit reporting agency. We will advise you of that fact and supply you with the name and address of the reporting agency\nmaking the report. We may require that you complete a new credit application if you wish to increase your Credit Limit or extend the\nterms of repayment. You authorize us to disclose information regarding the Account to credit reporting agencies and other creditors\nwho inquire of us about your credit standing to the extent authorized by law.\nMISCELLANEOUS\nChange of Name, Address, Contact Information and/or Employment. You will advise us promptly of any change in your name, address,\ncontact information or employment. All written notices and statements from us to you will be considered given when placed in the\nUnited States mail, postage prepaid, and addressed to you at your current address as it appears on our records, or when notified\nelectronically if you have requested and consented to electronic statements and notifications.\nPage 5 of 8\n\n\x0cCancellation. You can cancel your Account at any time by returning to us your Card(s), cut in half, along with a letter requesting that\nwe cancel your Account. We may cancel this Agreement at any time. However, your obligation under this Agreement and any charges\nand advances made under it prior to cancellation will continue to apply until you have paid all money you owe on the Account.\nDelay In Enforcement. We may delay enforcing any of our rights or otherwise refrain from exercising any of our rights regarding any\nbreach or default that occurs without losing our rights or waiving our rights.\nGoverning Law. You understand and agree that this Agreement is made in California and shall be governed by the laws of the State of\nCalifornia to the extent that California Law is not inconsistent with controlling Federal Law. You also understand that California\'s\n"Choice of Law Rules" will not be applied if they would result in the application of non\xe2\x80\x90California law.\nInformation Reported to Credit Bureaus. If you believe that any information we have reported to consumer credit reporting agencies\n(credit bureaus) regarding your Account is inaccurate or incomplete, please notify us in writing at Logix, Attn: Card Services, P.O. Box\n4036, Castaic, CA 91310\xe2\x80\x904036. Please provide specific information so that we can identify the information you believe to be inaccurate\nor incomplete.\nNon\xe2\x80\x90Reissuance. For security purposes, Logix Credit Cards are reissued periodically. If at the time of reissuance your Account has been\ninactive for at least 12 months, we will not reissue a new Card to you and may close your Account.\nPeriodic Review. A periodic review of credit card and line of credit accounts is performed to determine the continued probability of\nrepayment. We also rely on information requested and received from credit reporting bureaus and agencies regarding the handling\nof your credit related accounts with other financial institutions for this same purpose. If, in our opinion, we believe that your credit\nhistory has significantly deteriorated since your new or reissued Credit Card was provided to you, we reserve the right to close your\nAccount and to prohibit further advances. Deterioration in your credit history can result from late payments, collections, liens, or\nexceeding established Credit Limits.\nTransfer of Account. You cannot transfer or assign your Credit Card Account to any other person.\nWaivers. Waivers will be binding only if we agree to the waiver in a signed writing.\nCROSS\xe2\x80\x90COLLATERALIZATION\nCollateral (other than real property) securing other loans with us may also secure this loan.\nFEES\nForeign Currency Conversion and Cross\xe2\x80\x90Border Transactions. Foreign currency transactions will be converted into U.S. Dollars using\neither a wholesale exchange rate or government\xe2\x80\x90mandated exchange rate as selected by the credit card Network on the date the\ntransaction is processed, which may be a date different from the date the transaction occurred or was posted to your account. A Fee\nof 0.2% is charged for the foreign currency conversion, which is added to the converted U.S. Dollar amount debited to your account.\nAdditionally, all transactions conducted or processed outside of the U.S.A. and its territories, foreign military bases, embassies, and\nconsulates, (Cross\xe2\x80\x90Border transactions), whether conducted in foreign currency or U.S. Dollars, will be assessed a fee of 0.9% of the\nU.S. Dollar amount, even if the transaction is initiated in the United States (such as if you initiate an Internet transaction in the United\nStates but the merchant processes the transaction in a foreign country.) Logix Federal Credit Union has no control over the conversion\nrate used or fees charged by the credit card Network. Logix rebates Foreign Transaction fees.\nLate Payments. We may accept late payments or partial payments without losing any of our rights under this Agreement. Late Charges\nare assessed if your payment is received after the scheduled Payment Due Date. For payments received past due, you agree to pay a\nLate Charge of $15 for balances under $100; $20 for balances $100\xe2\x80\x90$500; $25 for balances over $500. If you are late more than one\ntime during a six (6) month period, we may charge a Late Charge up to $30. Your Late Charge will never exceed the amount of the\npayment that you failed to make by its scheduled Payment Due Date.\nReturned Payment Fee. If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged\na Returned Payment Fee of up to $29. However, the Returned Payment Fee will not exceed the amount of the payment that you\nwere required to make under your periodic statement.\nNon\xe2\x80\x90Sufficient Funds (NFS), Credit Card Convenience Check Fee. You will be charged a NSF Credit Card Convenience Check Fee of up\nto $30 if you write a Convenience Check for a transaction that exceeds your Credit Limit or the Convenience Check is written on a\ndelinquent Account. The amount of the NSF Credit Card Convenience Check Fee will not exceed the amount of the Convenience Check\nthat resulted in such fee being imposed.\nStop Payment Orders on Credit Card Convenience Checks. At your request and risk Logix will, without responsibility on its part,\naccept a Stop Payment Order on Credit Card Convenience Checks issued against your Account, subject to a $20 Stop Payment fee\nper check, at the time such a Stop Payment Order is received. A Stop Payment Order will be in effect if all required information is\nprovided and a reasonable amount of time has been allowed for the dissemination of such stop payment information. All written\nand oral Stop Payment Orders on Credit Card Convenience Checks that you write are effective for twelve (12) months from the date\nreceived, unless otherwise canceled or renewed by you in writing. If we inadvertently pay the Convenience Check when the stop\npayment should have been effective, we will reverse any Logix charges which result, including the Stop Payment fee. In addition, we\nwill reimburse you for your losses, up to the amount of the check, so long as you are able to prove that you do not owe the money\nto the person to whom you wrote the check. However, if you are unable to prove that you do not owe the money, we will not be\nobligated to reimburse you for the check amount.\nATM/ITM Fees by Others. If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the\noperator of the ATM and/or by an ATM or automated transfer network.\nOther Fees and Charges. Please refer to the Logix Credit Card Rates and Fees Table below.\nOverdraft Protection Transfer Fee. The Overdraft Protection Transfer Fee is assessed on your checking account. Please see the Rates\nand Fees Chart below or the Schedule of Service Fees and Charges for the most current fee.\nPage 6 of 8\n\n\x0cYOUR BILLING RIGHTS: Keep This Document For Future Use\nThis notice tells you about important information 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:\nLogix, Attn: Card Services, P.O. Box 4036, Castaic, CA 91310\xe2\x80\x904036. Or contact us on the Web at: www.lfcu.com\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 a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least three (3) business days before an automatic 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 at (800) 328\xe2\x80\x905328, but if you do, we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter When 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.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 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. We will\nsend you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay 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 to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your\nbill 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 price must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or\nif 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:\nLogix Federal Credit Union, Attn: Card Services\nP.O. Box 4036, Castaic, CA 91310\xe2\x80\x904036\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nPage 7 of 8\n\n\x0cLogix Credit Card Rates and Fees Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n0% Introductory APR for one year, based on your creditworthiness;\nmust qualify. After that, your Standard APR will be:\n\nPlatinum\nPlatinum Rewards\n\n8.24% APR to 17.99% APR\n10.74% APR to 17.99% APR\nThis APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR) for\nCash Advances and Balance Transfers\nPlatinum\nPlatinum Rewards\nPenalty APR and When it Applies\n\nPaying Interest\nMinimum Interest Charge\nCredit Card Tips from the\nConsumer Financial Protection Bureau\n\n3.99% \xe2\x80\x90 8.99% Introductory APR for one year, based on your\ncreditworthiness; must qualify. After that, your Standard APR will be:\n8.24% APR to 17.99% APR\n10.74% APR to 17.99% APR\nThis APR will vary with the market based on the Prime Rate.\n17.99% APR\nThis APR may be applied if you:\nMake your minimum payment more than 60 days late at any time.\nHow Long Will the Penalty APR Apply? If your APRs are increased, the\nPenalty APR will apply until you make six consecutive minimum\npayments when due.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month. We will begin interest on cash\nadvances and balance transfers on the transaction date.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nFees\nTransaction Fees\nForeign Transaction Fees\nOverdraft Protection Transfer Fee\nPenalty Fees\nLate Payment\nReturned Payment\nNSF Credit Card Convenience Check\nOther Fees\nStop Payment Credit Card Convenience Check\n\nUp to 1.1% of each transaction in U.S. Dollars\n(Logix rebates foreign transaction fees)\n$4.00\nUp to $30.00\n$29.00\n$30.00 When over the credit limit or written on delinquent account\n$20.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance\xe2\x80\x9d (including new purchases). See above for more\ndetails.\nIntroductory Rate on Platinum Rewards and Platinum Regular Card \xe2\x80\x93 The Introductory Rate is available to members who meet\nminimum credit score and underwriting criteria. Cardholder must qualify. Credit card purchases made during the first 12 months\nfrom the date your credit card account is opened qualify for 0% APR for 12 months (365 days from the date your account is opened).\nCash advances and balance transfers made during the first 12 months from the date your credit card account is opened qualify for\n3.99% APR to 8.99% APR for 12 months (365 days from the date your account is opened) and is based on your creditworthiness.\nWhen the Introductory Rate period has ended, the rate applied to any remaining outstanding balance for those transactions will\nbe at the cardholder\xe2\x80\x99s standard Credit Card rate. (Platinum Credit Cards that are share secured are excluded from the Introductory\nOffers.)\nLoss of Introductory/Promotional APR: We may end your introductory APR or your promotional APR and apply the Penalty APR if\nyou make your minimum required payment more than 60 days late at any time.\nImportant Notice for Service Members and Their Dependents \xe2\x80\x90 Military Lending Act Disclosure: Military Lending Act Disclosure:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). Please call us at 866\xe2\x80\x90399\xe2\x80\x905328 to receive disclosures orally.\nRates and Terms are accurate as of April 3, 2020. Rates and Terms are Subject to Change without Notice.\nContact Logix at (800) 328\xe2\x80\x905328 to obtain the most recent information.\nLogix Federal Credit Union\nPO Box 4070, Castaic, CA 91310\xe2\x80\x904070\n13729\xe2\x80\x9025 web (07/21)146\n\nPage 8 of 8\n\n\x0c'


b"Visa\n\nDate_________________________\n\nCREDIT CARD AGREEMENT\nIn this Agreement the words you and your mean each and all of those who apply for the card or who signs the application. Card means a Visa\xc2\xae Credit Card\nand any duplicates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us and ours means this Credit Union.\n1.\n\nResponsibility. If we issue you a card, you agree to pay all debts and the\nFINANCE CHARGE arising from the use of the card and the card account. For\nexample, you are responsible for charges made by yourself, your spouse and\nminor children. You are also responsible for charges made by anyone else to\nwhom you give the card, and this responsibility continues until the card is\nrecovered. You cannot disclaim responsibility by notifying us, but we will close\nthe account for new transactions if you so request and return all cards. Your\nobligation to pay the account balance continues even though an agreement,\ndivorce decree or other court judgement to which we are not a party may direct\nyou or one of the other persons responsible to pay the account. If more than one\nperson has applied for a card or signed the application, paragraph 15 below also\napplies to your account. You agree that you will not use or allow anyone else to\nuse your card for any transaction that is illegal under applicable federal, state or\nlocal law.\n\n2.\n\nLost Card Notification. If you believe your credit card has been lost or stolen,\nyou will immediately call the Credit Union at: (207) 284-2444 or after hours 8009914961.\n\n3.\n\nConsumer Liability for Unauthorized Transactions. Your liability to the\nCredit Union will not exceed $50.00 for unauthorized use of your card that occurs\nprior to the time when you give notice of possible unauthorized use to the Credit\nUnion at PeoplesChoice Credit Union, 23 Industrial Park Rd, Saco, Maine 04072,\nand (207) 284-2444 or 877-785-6328.\n\n4.\n\nCredit Line. If we approve your application, we will establish a selfreplenishing Line of Credit for you and notify you of its amount when we issue\nthe card. You agree not to let the account balance exceed this approved Credit\nLine. Each payment you make on the account will restore your Credit Line by the\namount of the payment which is applied to principal. You may call us to request\nan increase in your Credit Line, which must be approved by our loan department.\nBy giving you written notice our loan department may reduce your Credit Line\nfrom time to time, or with good cause, revoke your card and terminate this\nAgreement. Good cause includes your failure to comply with this Agreement, or\nour adverse reevaluation of your creditworthiness. You may also terminate this\nAgreement at any time, but termination by either of us does not affect your\nobligation to pay the account balance. The cards remain our property and you\nmust recover and surrender to us all cards upon our request and upon termination\nof this Agreement.\n\n5.\n\nCredit Information. You authorize us to investigate your credit standing when\nopening, renewing or reviewing your account, and you authorize us to disclose\ninformation regarding your account to credit bureaus and other creditors who\ninquire of us about your credit standing.\n\n6. Details About Your Monthly Payment.\n(a) Monthly Statement. We will mail you a statement every month showing your\nPrevious Balance of purchases and cash advances, the current transactions on\nyour account, the remaining credit available under your Credit Line, the New\nBalance of purchases and cash advances, the Total New Balance, the FINANCE\nCHARGE due to date, and the Minimum Payment Required. If applicable,\nmonthly statements to one applicant shall constitute monthly statements to all\napplicants.\n(b) Minimum Payment. Every month you must pay at least the minimum Payment\nwithin 25 days of your statement closing date. By separate agreement you may\nauthorize us to charge the minimum payment automatically to your share or share\ndraft account with us. You may, of course, pay more frequently, pay more than\nthe minimum payment, or pay the Total New Balance in full, and you will reduce\nthe FINANCE CHARGE by doing so. The Minimum Payment will be any\nportion of the Minimum Payments shown on prior statements which remain\nunpaid plus either (a) 2% of your Total New Balance or $20.00, whichever is\ngreater, or (b) your Total New Balance if it is less than $20.00. In addition, at any\ntime your Total New Balance exceeds your Credit Line, you must immediately\npay the excess upon our demand.\n(c) How Payments Are Applied: The Payment is applied in the following order: First,\nfees; second, finance charge; third, non-accruing balance (i.e. insurance\npremiums); fourth, old purchases; fifth, old cash advances; sixth, current cash\nadvances (cycle to date); seventh, current purchases (cycle to date).\n\n7. Finance Charges.\n(a) When Finance Charge Begins. A finance charge will be imposed on cash\nadvances from the date made or from the first day of the billing cycle in which\nthe cash advance is posted to your account, whichever is later, and will\ncontinue to accrue until the date of payment. A finance charge will be imposed\non purchases only if you elect not to pay the entire new balance of purchases\nshown on your monthly statement within 25 days from the closing date of that\nstatement. If you elect not to pay the entire new balance of purchases shown on\nyour monthly statement within that 25 day period, a finance charge will be\nimposed on the unpaid average daily balance of those purchases from the\nstatement closing date and will continue to accrue until the closing date of the\nbilling cycle preceding the date on which the entire new balance of purchases is\npaid in full or until the date of payment if more than 25 days from the closing\ndate.\n(b) Figuring the Finance Charge. The FINANCE CHARGE (interest) is\ncalculated at the periodic rate of: .825% per month, which is an ANNUAL\nPERCENTAGE RATE of 9.9% or 1.15833 per month, which is an ANNUAL\nPERCENTAGE RATE of 13.9%, based on your credit worthiness.\n(i)\nCash Advances. The finance charge on cash advances for a billing cycle is\ncomputed by applying the monthly periodic rate to the average daily balance,\nwhich is determined by dividing the sum of the daily balances during the\nbilling cycle by the number of days in the cycle. Each daily balance is\ndetermined by adding to the previous balance for cash advances (the outstanding cash advance balance of your account at the beginning of the billing cycle)\nany new cash advances received and subtracting any payments as received or\ncredits as posted to your account, but excluding any unpaid finance charges.\n(ii) Purchases. We figure the Finance Charge on your account by applying the\nperiodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account (including current\ntransactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning\nbalance of your account each day and subtract any payments or credits and any\nunpaid finance charges. This gives us the daily balance. Then, we add all the\ndaily balances for the billing cycle together and divide the total by the number\nof days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n8.\n\nDefault. You will be in default if you fail to make any Minimum Payment\nwithin 25 days after your monthly statement closing date. You will also be in\ndefault if your ability to repay is materially reduced by a change in your\nemployment, an increase in your obligations, bankruptcy or insolvency\nproceedings involving you, your death or your failure to abide by this\nAgreement. We have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any notice required by\nlaw.\n\n9.\n\nUsing the Card. To make a purchase or cash advance, there are two alternative\nprocedures to be followed. One is for you to present the card to a participating\nVisa plan merchant, to us or to another financial institution, and sign the sales\nor cash advance draft which is imprinted with your card. The other is to\ncomplete the transaction by using your Personal Identification Number (PIN) in\nconjunction with the card in an Automated Teller Machine or other type of\nelectronic terminal that provides access to the Visa system. The monthly\nstatement will identify the merchant, electronic terminal or financial institution\nat which transactions were made, but sales, cash advance, credit or other slips\ncannot 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.\nThe Credit Union may make a reasonable charge for photocopies of slips you\nrequest.\n\n10. Returns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by sending us a credit\nslip which we will post to your account. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance against future\npurchases and cash advances, or if it is $1 or more, refund it on your written\nrequest or automatically after 6 months.\n11.\n\nForeign Transactions. Purchases and cash advances made in foreign\ncountries and foreign currencies will be billed to you in U.S. dollars. The\nconversion rate to dollars will be at wholesale market rate or the government\nmandated rate, whichever is applicable, in effect one day prior to the\nprocessing date.\n\nContinued on Reverse Side\n\n\x0c12. Plan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your card. We are subject to claims\nand 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\nunable to obtain satisfaction from the plan merchant, and (a) your purchase was\nmade in response to an advertisement we sent or participated in sending to you;\nor (b) your purchase cost more than $50 and was made from a plan merchant in\nyour state or within 100 miles of your home. Any other disputes you must\nresolve directly with the plan merchant.\n13. Security Interest. You pledge and grant as security for the card all shares\nand dividends and all deposits and interest, if any, in all accounts you have with\nus now and in the future.\n\n14. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your account even though the sales, cash advances, credit or\nother slips you sign or receive may contain different terms. We may amend this\nAgreement from time to time by sending you the advance written notice\nrequired by law. Your use of the card thereafter will indicate your agreement to\nthe amendments. To the extent the law permits, and we indicate in our notice,\namendments will apply to your existing account balance as well as to future\ntransactions.\n15. Joint Liability. Each person who has signed the application or applied for a\ncard will be individually and jointly responsible for paying all amounts owed\nunder this agreement. This means that the Credit Union can require any one of\nyou individually to repay the entire amount owed under this agreement. Each of\nyou authorizes the other(s) to make purchases or cash advances individually.\nAny one of you may terminate the account and the termination will be effective\nas to all of you. If applicable, notice to one applicant as to any matter pertaining\nto the Credit Line (e.g., default, changes, periodic statements, etc.) shall\nconstitute notice to all applicants.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL.\nIf you think your bill is wrong, or if you need more information about a\ntransaction on your bill, write us on a separate sheet at the address listed on your\nbill. Write to us as soon as possible. We must hear from you no later than 60\ndays after we sent you the first bill in which the error or problem appeared. You\ncan telephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2\nYour name and account number.\n\xe2\x80\xa2\nThe dollar amount of the suspected error.\n\xe2\x80\xa2\nDescribe the error and explain, if you can, why you believe there is\nan error. If you need more information, describe the item you are not\nsure about.\nIf you have authorized us to pay your credit card bill automatically from your\nsavings or share draft account, you can stop the payment on any amount you\nthink is wrong. To stop the payment, your letter must reach us three business\ndays before the automatic payment is scheduled to occur.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE\nRECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within 30 days, unless we have corrected the\nerror by then. Within 90 days, we must either correct the error or explain why\nwe believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question,\nor report you as delinquent. We can continue to bill you for the amount you\nquestion, including finance charges, and we can apply an unpaid amount against\nyour credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your bill that are not\nin question.\n\n16. Other Charges.\n\xe2\x80\xa2 No Annual Fee!\n\xe2\x80\xa2 No Late Fees!\n\xe2\x80\xa2 No Over limit Fees!\n\xe2\x80\xa2 No Cash Advance Fees!\n\xe2\x80\xa2 No Balance Transfer Fees!\n\xe2\x80\xa2 No Foreign Transaction Fees!\n17. Copy Received. You acknowledge receipt of a copy of this Agreement.\nDATE\nApplicant\nDATE\nCo-Applicant\nVisa 9.9% Based on your credit worthiness.\nVisa 13.9% Based on your credit worthiness.\n\nIf we find that we made a mistake on your bill, you will not have to pay any\nfinance charges related to any questioned amount. If we didn't make a mistake,\nyou may have to pay finance charges, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as\ndelinquent. However, if our explanation does not satisfy you and you write to us\nwithin ten days telling us that you still refuse to pay, we must tell anyone we\nreport you to that you have a question about your bill. And, we must tell you the\nname of anyone we reported you to. We must tell anyone we report you to that\nthe matter has been settled between us when it finally is.\nIf we don't follow these rules, we can't collect the first $50.00 of the questioned\namount, even if your bill was correct.\n\nSPECIAL RULE FOR CREDIT CARD PURCHASES\n\nwww.peopleschoicecreditunion.com\n23 Industrial Park Rd \xe2\x80\xa2 Saco, Maine \xe2\x80\xa2 04072\n(207) 284-2444 or 877-785-6328 \xe2\x80\xa2 FAX (207) 282-1735\n\nIf you have a problem with the quality of property or services that you\npurchased with a credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining\namount due on the property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state or, if not within your\nhome state, within 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.00.\nThese limitations do not apply if we own or operate the merchant, or if we\nmailed you the advertisement for the property or services.\n\nRev 10/20\n\n\x0c"


b"Em loyees' Credit Union\xc2\xae\n\nTruth in Lending Disclosure\nMilitary APR Disclosure\nVisa\xc2\xae Credit Cardholder Agreement\nEffective October 21, 2020\n\nThis document contains the terms which govern your Credit Union Visa credit card Account (\xe2\x80\x9cAccount\xe2\x80\x9d). Please review this document and keep it for your\nrecords. In this document the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the individual(s) who requested the Account or to whom we issued an account. \xe2\x80\x9cCard\xe2\x80\x9d means the\nVisa Credit Card and any duplicates and renewals the Credit Union issues. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean State Employees\xe2\x80\x99 Credit Union, the\nissuer of the Card. \xe2\x80\x9cOur Mailing Address\xe2\x80\x9d is Cardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540. Our business days are Monday through Friday,\n8:30 am to 5:30 pm. Holidays are not included. Contact your local branch or if you need assistance outside of the Credit Union\xe2\x80\x99s normal business hours, please\ncall us at 1-888-732-8562. Calls to the Credit Union may be recorded.\nThese Rules and Regulations apply to any Credit Union Visa credit card (\xe2\x80\x9cCard\xe2\x80\x9d) issued, or to be issued, by the Credit Union. Any Credit Union member\n(\xe2\x80\x9cCardholder\xe2\x80\x9d) who applies for, signs, accepts, uses, or authorizes the use of the Card agrees to be bound by these Rules and Regulations, and agrees that they\nshall constitute the agreement between the Credit Union and the Cardholder governing the use of the Card. Furthermore, by signing the Card as specified\nherein, the Cardholder expressly agrees to be bound by the provisions of these Rules and Regulations as to the rates and charges applicable to use of the Card.\nIf you do not agree to this Agreement, do not sign or use your Card and immediately contact your local branch or call us at 1-888-732-8562 to block the Card.\nCalls to the Credit Union may be recorded.\nNotifications and Changes: Any notice required to be given by these Rules and Regulations, by law, or desired to be given by the Credit Union will be\nconsidered given if and when posted in the United States mail, postage prepaid, and addressed to the Cardholder at the last known address as shown on the\nCredit Union\xe2\x80\x99s records. The Credit Union may modify or amend this Agreement, from time to time, upon 45 days advance written notice to the Cardholder. The\nnew terms, including any increase or decrease in the charges, will apply to both new Cash Advances and Purchases made on and after the effective date. The\nCardholder can contact the Credit Union at any time to determine if changes have been made to this agreement since the date this document was printed. Call\nus at 1-888-732-8562 or write to us at Our Mailing Address. Calls to the Credit Union may be recorded.\nOwnership, Termination and Expiration: The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by\nlaw, such as if we suspect possible fraud or suspicious activity, or for security reasons. The Card remains the property of the Credit Union at all times. We may,\nat any time and for any reason, terminate a Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the last\ncalendar day of the month of the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Account and we\nmay decline to authorize a transaction with the Card. You agree not to use or attempt to use any expired or revoked Account to obtain credit. You or anyone\njointly liable for the Account may voluntarily terminate the Account at any time by notifying us orally or in writing. However, this will not relieve you or any joint\nowners from liability for the repayment of any obligations arising from the use of the Account.\nUse of Card: You may only buy goods or services from businesses displaying the Visa sign (\xe2\x80\x9cMerchant\xe2\x80\x9d), or borrow cash from the Credit Union or other\ninstitutions displaying such signs. You must follow any reasonable and proper procedures by those honoring the Card. In order for the Card to be valid, it must\nbe signed by the Cardholder or Authorized User. The Cardholder must be a Credit Union member. By signing, activating, using, or allowing another person to\nuse the Card, you agree to this Agreement and are responsible for all authorized transactions and cash advances made by the use of this Card.\nCredit Limit: Your credit limit is set by the Credit Union and may be changed from time to time with notice to the Cardholder. The Credit Union may, at its\noption, recognize transactions (and extend credit) which will cause the Cardholder\xe2\x80\x99s outstanding balance to exceed the maximum credit limit.\nActivating Your Card: You must activate your Card by calling 1-866-322-2377. The Card is not valid until it has been activated.\nAuthorized Users: You may request a Card for an Authorized User in the name of a person identified by you at any time. We may request information about\nthe person to whom you want us to issue the Card and reserve the right to deny your request for an Authorized User Card. You are responsible for all\ntransactions made by an Authorized User. You have the right to revoke an Authorized User at any time either by notifying your local branch or by calling us at\n1-888-732-8562. Calls to the Credit Union may be recorded.\nYour Responsibilities: You are responsible for the following:\n\xe2\x80\xa2 You agree not to use the Card if such use would cause your Account to exceed the credit limit.\n\xe2\x80\xa2 You agree to pay immediately upon demand any amount in excess of the maximum credit limit.\n\xe2\x80\xa2 You are responsible for all transactions and cash advances made through the use of your Card by yourself, or any Authorized User, or any person you\nallow to use your Card.\n\xe2\x80\xa2 You will not authorize anyone else to use your personal Card (other than Authorized Users added to the Account) and you will not transfer your Card to\nanyone. If you do give your Card to another individual, you will be responsible for all transactions and cash advances made through the use of your Card.\n\xe2\x80\xa2 You agree to notify us AT ONCE if you believe your Card has been lost or stolen or if someone has used or may use your Card without your permission\nby contacting your local branch immediately or by calling us at 1-888-732-8562 or 919-857-2150 locally in Raleigh. You may also write us at Our Mailing\nAddress. Calls to the Credit Union may be recorded.\n\xe2\x80\xa2 You agree to cooperate with us in our investigation of any possible unauthorized use of your Card.\n\xe2\x80\xa2 You agree to retain copies of all sales slips, cash advance slips, or any other instrument acknowledging or recognizing a transaction, and to use such\ncopies to identify transactions reported on your periodic statement.\n\xe2\x80\xa2 You will not use your Card in an illegal transaction or in connection with an Internet gambling transaction.\nPage 1 of 4\n\n\x0c\xe2\x80\xa2 You will take reasonable steps to protect the security and confidentiality of the Personal Identification Number (PIN) for your Card.\nFees\nAnnual Fee\n\nInterest Rates and Interest Charges\nAnnual\nPercentage\nRate (APR)\nfor\nPurchases\n\nNone\n\n7.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\nAPR for\nBalance\nTransfers\n\n7.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\n\xe2\x80\xa2 Cash Advance\n\nNone\n\n\xe2\x80\xa2 Foreign\nTransaction\n\n1% of each transaction\nin U.S. dollars\n\nAPR for Cash\nAdvances\n\n7.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\n\xe2\x80\xa2 ATM\n\n$0.75 for each transaction\n\nPenalty Fees\n\nPaying\nInterest\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nYour due date is at least 21 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if you\npay your entire balance by the due date each\nmonth. We will begin charging interest on\ncash advances on the transaction posting\ndate.\n\nTo learn more about factors to consider\nwhen applying for or using a credit card, visit\nthe website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\n\xe2\x80\xa2 Late Payment\n\nUp to $5\n\n\xe2\x80\xa2 Returned Payment\n\n$5\n\nHow We Will Calculate Your Balance\nWe calculate the interest charge on your Account by\napplying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nof your Account (including current transactions). To\ndetermine the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your Account each day, add any\nnew purchases, and subtract any payments or credits.\nThis gives us the daily balance. Then we add up all the\ndaily balances for the billing cycle and divide the total by\nthe number of days in the billing cycle. This result is the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\n*The APR equals 7.5% plus the Index Rate. The Index Rate is the 26-week Treasury Bill rate set at the first T-bill Auction held each quarter in January, April, July,\nand October, and adjusted up to the nearest \xc2\xbc%. Because the Index Rate is subject to change each quarter, the APR is as well.\nBilling Rights information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement.\nRates and Charges: You agree to the rates and charges and methods of computation set forth in this document which are made in accordance with the Truth\nin Lending Law. The Monthly Periodic Rate for the monthly billing cycle is equal to 1/12 of the Annual Percentage Rate (APR). The Monthly Periodic Rate will be\ncomputed to 1/100th of one percent. The method for calculating the APR is explained below. The APR is subject to change on the first day of the first billing\ncycle at the beginning of each quarter (January, April, July, and October). If the APR should change, then the Monthly Periodic Rate will change, and the new\nrate will take effect on the first day of the billing cycle of January, April, July, and October. The APR will equal 7.5 percentage points plus the Index Rate. The\nIndex Rate is the 26-week Treasury Bill rate set at the first Auction held in January, April, July, and October and adjusted up to the nearest 1/4%. Increases in\nthe APR will result in a higher finance charge which may result in additional payments over a longer period in order to repay the purchases balance or your cash\nadvance balance. The increased APR will apply to any balance outstanding on the effective date of the change as well as to future purchases and advances.\nThere is no minimum APR. The APR will not exceed 18% per year or the maximum permitted by applicable law, whichever is lower. The APR and the Monthly\nPeriodic Rate used to compute your finance charge appears on your monthly statement.\nForeign Currency Transactions: Foreign currency transactions will be converted to U.S. Dollars by Visa. Under the currency conversion procedure that Visa\ncurrently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar\ncurrency by a currency conversion rate. The conversion rate that Visa typically uses is either a government-mandated rate or a wholesale rate provided to Visa.\nThe currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed.\nPage 2 of 4\n\n\x0cThis rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could\nhave gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa\nnetwork, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 1% International Transaction fee to foreign currency\ntransactions. The fee is applied after converting the transaction currency into U.S. dollars. Two separate entries will appear on your statement, one for the\nforeign transaction and one for the International Transaction fee. The State Employees\xe2\x80\x99 Credit Union does not apply any additional conversion fee other than\nwhat Visa imposes.\nRefusal to Honor Card: The Credit Union has no liability or responsibility if any Merchant refuses to honor the Card.\nNotice of Negative Information: The Credit Union may report information about your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on your Account may be reflected on your credit report.\nEvents of Default: At the Credit Union\xe2\x80\x99s option, all amounts due from you to the Credit Union will become immediately due and payable if any of the following\ncircumstances apply: (a) default by the Cardholder in making any payment when due and payable, (b) default by the Cardholder under any provision of these\nRules and Regulations, (c) the Cardholder\xe2\x80\x99s death or becoming insolvent or making an assignment for the benefit of creditors, (d) a petition being filed or any\nother proceeding being commenced under the Federal Bankruptcy Act or any state insolvency statute by or against the Cardholder, or (e) a receiver being\nappointed for, or a writ or order of attachment, levy or garnishment being issued against the Cardholder or any of the Cardholder\xe2\x80\x99s property, assets or income.\nTo the extent permitted by law, you agree to pay attorney\xe2\x80\x99s fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under\nthis Agreement.\nObtaining Account Information/Receipts: You may obtain information about the balance of your Account by calling our ASK-SECU Automated Voice Response\nnumber at 1-800-275-7328 or locally in Raleigh at 919-839-5400. This information, along with a history of card transactions, is also available online through\nMember Access at www.ncsecu.org. You can get a receipt at the time you make any transaction with your Card at an ATM or point-of-sale terminal. A receipt\nmay not be required for a point-of-sale transaction if the amount of the transaction is $50 or less.\nPeriodic Statements: A statement will be mailed to you after the 20th of each month in which there was a balance or activity on your Account. Statements are\nalso available through Member Access at www.ncsecu.org. We reserve the right to stop periodic statements if your Account is inactive. Notify the Credit Union\nimmediately of any charge or item which you believe to be incorrect or subject to dispute. Any charge or item on your monthly statement will be considered to\nbe correct 60 days following the statement mail date if written notification from you is not received by that time.\nPayments: If you choose to pay less than the total New Balance as shown on your monthly statement, a minimum payment is required to be made. The\nminimum payment is computed as 3% of your total New Balance or $25, whichever is greater. Generally, payments above the Minimum Payment due will be\napplied first to higher interest rate balances and then to lower interest rate balances. This may help you pay off your highest interest rate balances more quickly\nand reduce your interest charges. Payments received at a branch office by 5:30 pm Monday through Friday will be credited the same business day. Payments\nreceived electronically through an optional payment service, including online through Member Access, or through ASK-SECU Voice Response, will be credited\nbased on the terms presented during use of the service.\nLate Charges: If you fail to make the Minimum Payment shown on your monthly statement by the 5 th calendar day after the Payment Due Date\nshown on your monthly statement, we will charge you a late fee of $5 or the amount of the Minimum Payment if it is less than $5 . You will only\nhave to pay the late charge once on the same late payment. Any payment you make will be treated as being your oldest payment due.\nOverdraft Transfer Service: You may request Overdraft Transfer Service if you maintain a Credit Union checking account and a Credit Union issued Visa card.\nOverdraft Transfer cash advances will be made in $50 increments up to your credit limit less any outstanding balance. If the available amount is less than $50, all\nfunds available will be transferred if these funds are sufficient to cover the item(s) in the checking account. You understand that the regular increment amount is\nsubject to change by the Credit Union without notice. If your Visa credit card Account is 30 or more days past due, or over the approved credit limit, Overdraft\nTransfer Service will not be available until the Account is current. Rates and methods of computation are the same as other cash advances.\nBalance Transfers: All rates and offers are subject to change. The interest rates applicable to purchases or cash advances and for prior promotional/intro\nbalances remain unchanged. Balance transfers are treated as cash advances, so interest accrues from the date the transfer is posted to your account. Balance\ntransfers of other SECU loans are not eligible for promotions. SECU may stop offering promotional/intro rates for new balance transfers at any time and without\nprior notice. You agree to allow 30 days to process your request, pay the amount(s) authorized, and transfer the balances to your SECU credit card Account. You\nmay transfer up to your available credit, not to exceed your credit limit authorized by SECU. Please continue to make minimum payments on your other credit\ncard(s) until the balance(s) have been transferred. Any overpayments must be refunded by the other institution. Payment of the amount(s) authorized by you\nmay or may not satisfy any outstanding balance(s) on the designated account(s). SECU is not responsible for any remaining balance or additional charges with\nregard to such accounts, or for any charges resulting in any delay in the payment and transfer of balances. SECU reserves the right to refuse multiple transfers\nfrom the same credit card. At expiration of the promotional/intro rate period, the \xe2\x80\x9cAPR for purchases,\xe2\x80\x9d currently 7.75%, will apply to any remaining balance.\nRefunds and Merchant Disputes: If you are entitled to a refund or credit for any reason, you agree to accept a credit to your Card instead of a cash refund, if\nthe merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card.\nWe are not responsible for the delivery, quality, safety, legality or other aspect of goods or services that you purchase from others with the Card.\nLiability for Unauthorized Use: If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should notify us immediately at the\naddress listed on your statement or Cardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540, or call us at 1-888-732-8562. Calls to the Credit Union may\nbe recorded. You may also contact us through Member Access at www.ncsecu.org. You will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.\nPage 3 of 4\n\n\x0cWhat To Do if You Discover a Mistake on Your Statement: If you believe there is an error on your statement, notify us in writing at the address on your\nstatement or Cardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540. You may also contact us through Member Access at www.ncsecu.org. In your\nletter, please provide 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 believe there is an error on your statement, describe the error and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You\nmay call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhile we investigate whether or not there has been an error, the following are true:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent for 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. But, if we determine that we\nmade 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 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.\nYour Rights if You Are Dissatisfied with Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your\nCard, and you have tried in good faith to correct 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:\n\xe2\x80\xa2 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\xe2\x80\xa2 You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card\nAccount do not qualify.\n\xe2\x80\xa2 You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or electronically) at Our Mailing Address or through\nMember Access at www.ncsecu.org. While we investigate, the same rules apply to the disputed amount as discussed above. After completion of our\ninvestigation, we will notify you of our decision. At that point, if we believe you owe an amount and you do not pay, we may report you as delinquent.\nMilitary Lending Act Covered Borrower: A covered borrower is identified by the Military Lending Act as someone that at the time of loan origination is a\nmember of the Armed Forces serving on active duty, active Guard duty, or Reserve duty. A dependent of someone on active duty is also a covered borrower\nunder the Military Lending Act.\nNotice of Military APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces on active duty or active Guard or Reserve duty and his/her dependent(s) may\nnot exceed an annual percentage rate of 36% for certain types of consumer loans. This rate must include, as applicable to the credit transaction or account: the\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account).\nAccording to Part 232 of Title 32 of the Code of Federal Regulations for Limitations on Terms of Consumer Credit Extended to Service Members and Dependents,\na creditor is required to provide a covered borrower an oral disclosure relating to the extension of credit.\nYou may obtain your complete oral disclosure by calling us toll-free at: 1-855-491-7328.\nUpon activation, the cardholder acknowledges receipt of a copy of the MILITARY APR DISCLOSURE STATEMENT and one copy of the Federal Truth in Lending\nDisclosure Statement, all given by lender in compliance with Truth in Lending Simplification and Reform Act of 1980 (Public Law 96-221) and the Military\nLending Act.\n\nOCS #1604419\n\nPage 4 of 4\n\n\x0c"