b'PERSONAL CREDIT CARD DISCLOSURE \xe2\x80\x93 VISA\xc2\xae\nFEATURE\n\nVISA\xc2\xae PLATINUM REWARDS\n\nVISA SIGNATURE\xc2\xae\nPRIVATE BANKING\n\nVISA SIGNATURE\xc2\xae\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% introductory APR for 6 months.\nAfter that, your APR will be 11.24% . (This APR will vary with the market based on the Prime Rate.)\n\nAPR for Balance Transfers\n\n0% introductory APR for 6 months.\nAfter that, your APR will be 11.24%. (This APR will vary with the market based on the Prime Rate.)\n\nAPR for Cash Advances\n\n13.24%. (This APR will vary with the market based on the Prime Rate.)\n\nPenalty APR and When\nit Applies\n\n19.24%.\n\nThis APR may be applied to your account if you are more than 60 days late in making your required monthly\nMinimum Payments. This APR will vary with the market based on the Prime Rate.\nHow Long Will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will apply until\nyou make six (6) consecutive minimum payments when due.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if\nyou pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\n\nNone\n\nNone\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advances\nForeign Transaction\n\n4% of the amount of each transfer\nNone\nNone\n4% of the amount of each cash advance 4% of the amount of each cash advance 4% of the amount of each cash advance\n3% of each transaction in U.S. dollars\n3% of each transaction in U.S. dollars\nNone\n\nPenalty Fees\nLate Payment\nReturned Payment\n\n$25.00\n$25.00\n\n$25.00\n$25.00\n\n$25.00\n$25.00\n\nOther Fees\nOverdraft Protection Transfer\n\n$10.00\n\n$10.00\n\nNone\n\nHow We Will Calculate Your Balance\nWe use a method called "average daily balance (including new purchases)." See your account agreement for more details.\nLoss of Introductory APR\nWe may end your introductory APR and apply the Penalty APR if you are more than 60 days late in making your required monthly payment.\nBilling Rights\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. All Annual Percentage Rates (APRs) are based on the\nPrime Rate or Index Rate in effect as of the date of publication, January 2021. This information may have changed after that date. To find out what may have changed, call us at\n800.788.4578 or write us at P.O. Box 2127, Spokane, WA 99210-2127.\nCash Advances\nIf you use your account for Overdraft Protection, we will automatically transfer available* funds from your account in increments of $10 to cover an overdraft. The amount\ntransferred is subject to the cash advance interest rate and interest will begin to accrue immediately upon transfer. Transfers may take up to 2 business days to post to your Credit\nCard account. * Please note that transfers may exceed available credit upon posting. See your Credit Card Agreement for additional details regarding credit limit.\nDepartment of Defense Consumer Credit Disclosure\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: the costs associated with credit 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 participation fees for a credit card account).\nMy payment obligation for my loan is as follows: My payment schedule will be monthly with a minimum payment of 3% of the total balance or $10, whichever is greater.\nI may call 855.682.0794 toll-free to receive the contents of this disclosure orally.\n\nwatrust.com \xc2\xb7 800.788.4578 \xc2\xb7 Member FDIC\n21-BWPS-117341 REV 1/21\n\n\x0c'


b'Showing general rates\n\nAll Credit Cards\nEffective Date: May 1, 2020\nAccount\n\nAnnual Percentage Rate\n\nLoan Amount (min/max)\n\nLoan Term\n\nOdyssey Rewards World Elite Mastercard\n\nas low as 6.99%\n\n$25,000 / $100,000\n\nrevolving\n\nChoice Rewards World Mastercard\n\nas low as 8.25%\n\n$10,000 / $35,000\n\nrevolving\n\nPlatinum Rewards Mastercard\n\nas low as 7.99%\n\n$500 / $25,000\n\nrevolving\n\nPlatinum Mastercard\n\nas low as 6.99%\n\n$500 / $25,000\n\nrevolving\n\nPlatinum Secured Mastercard\n\nas low as 9.00%\n\n$500 / $25,000\n\nrevolving\n\nMastercard Credit Card Application\nDisclosure\nThis information is accurate as of 5.1.20 and is subject to change after this date. For current information, please contact\nFirst Tech Federal Credit Union at PO Box 2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit\nfirsttechfed.com\nInterest Rates and Charges\nOdyssey Rewards World Elite Mastercard:\nPlatinum Mastercard:\nAnnual Percentage Rate\n(APR) for Purchases\n\nPlatinum Rewards Mastercard:\nChoice Rewards World Mastercard:\nPlatinum Secured Mastercard:\n\nAPR for Balance Transfers\n\n6.99% to 18.00% when you open your account, based on your credit\nworthiness\n\n6.99% to 18.00% when you open your account, based on your credit\nworthiness\n\n7.99% to 18.00% when you open your account, based on your credit\nworthiness\n\n8.25% to 18.00% when you open your account, based on your credit\nworthiness\n\n9.00% to 18.00% when you open your account, based on your credit\n\nworthiness\nAfter that your APR will vary with the market based on the Prime Rate.\n0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account\nopening. After that:\n6.99% to 18.00% when you open your account, based on your credit\nOdyssey Rewards World Elite Mastercard:\nworthiness\n6.99% to 18.00% when you open your account, based on your credit\nPlatinum Mastercard:\nworthiness\n7.99% to 18.00% when you open your account, based on your credit\nPlatinum Rewards Mastercard:\nworthiness\n8.25% to 18.00% when you open your account, based on your credit\nChoice Rewards World Mastercard:\nworthiness\nYour APR will vary with the market based on the Prime Rate.\n9.00% to 18.00% when you open your account, based on your credit\nOdyssey Rewards World Elite Mastercard:\nworthiness\n\nPage 1 of 3\n\n\x0cInterest Rates and Charges\n7.99% to 18.00% when you open your account, based on your credit\nPlatinum Mastercard:\nworthiness\n8.99% to 18.00% when you open your account, based on your credit\nPlatinum Rewards Mastercard:\nworthiness\nAPR for Cash Advances\n9.25% to 18.00% when you open your account, based on your credit\nChoice Rewards World Mastercard:\nworthiness\n10.00% to 18.00% when you open your account, based on your credit\nPlatinum Secured Mastercard:\nworthiness\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if you\nHow to Avoid Paying Interest\npay your entire balance by the due date each month. We will begin charging interest on cash advances and transfers as of\non Purchases\nthe transaction date.\nMinimum Interest\nNone\nFor Credit Card from the\nTo learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection\nConsumer Financial\nBureau at: www.consumerfinance.gov/learnmore\nProtection Bureau\nFees\nOdyssey Rewards World Elite\n$75.00\nMastercard\nPlatinum Mastercard\nAnnual Fee\n\nNone\n\nPlatinum Rewards Mastercard\n\nNone\n\nChoice Rewards World Mastercard\nPlatinum Secured Mastercard\nTransaction Fees\nForeign Transaction\nCash Advance\nBalance Transfer\n\nNone\nNone\nNone\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nUp to $25.00\nUp to $25.00\n\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (excluding new purchases). For Cash\nAdvances and Balance Transfers, we use a method called "average daily balance" (including new Cash Advances and\nBalance Transfers).\nVariable Rate Information: Your APR may increase or decrease. Rates are determined and adjusted monthly on the day\nfollowing your statement closing date by adding a Margin to the highest U.S. Prime Rate as of the 15th of the previous\nmonth. The Margin is determined based on an evaluation of each Member\'s credit history. The margin will range from\n3.74% to 14.74% based on product type. Your maximum APR will not exceed 18%.\nHow we Calculate My Minimum Payment? Your minimum payment will be 2% of your balance or $25.00 whichever is\ngreater, if your balance is less than $25.00 your minimum payment will be equal to your balance.\nBalance Transfers: The introductory APR for balance transfers is good for 12 billing cycles from date of completed\ntransfer on balances transferred within the first 90 days of account opening. After the 12 billing cycles, your rate will be\nthe standard purchases APR. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible\nfor the introductory APR. Interest will start to accrue on the day the balance transfer is posted to your account, unless your\nbalance transfer is subject to a promotional APR of 0.00%. In this case, no interest will accrue on the balance transferred\nuntil your 0% APR introductory period ends. If you take advantage of the introductory balance transfer offer, you will be\ncharged interest on purchases unless your purchase APR is at a promotional 0.00%. To avoid interest on new purchases\nafter you transfer a balance, you must pay your entire account balance on your account, including any balances you\ntransfer under the introductory APR, purchases or cash advances, in full by the end of your current cycle.\nChange in Terms: We can change the terms of your account as permitted by law. When required, we will send you notice\nPage 2 of 3\n\n\x0cbefore doing so.\nLoss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 6.99% to\n18.00% for Balance Transfers APR, if you make a late payment during the introductory period. This APR will vary with the\nmarket based on the Prime Rate.\n\nPage 3 of 3\n\n\x0c'


b'First Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nIn this Choice Rewards World MasterCard Card Agreement and Federal Truth-in-Lending Disclosure Statement (\xe2\x80\x9cAgreement and Disclosure\nStatement\xe2\x80\x9d) the words:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy\xe2\x80\x9d and \xe2\x80\x9cmine\xe2\x80\x9d mean any and all of those who apply for or use the First Technology Federal Credit Union Choice\nRewards World MasterCard Card.\n\xe2\x80\x9cFirst Tech,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean First Technology Federal Credit Union.\n\xe2\x80\x9cCard\xe2\x80\x9d means the Choice Rewards World MasterCard Card issued to me and any duplicates and/or renewals you may issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means my Choice Rewards World MasterCard Card Account with you.\n\nBy requesting and receiving, signing, using or permitting others to use the Card and/or Account issued to me by you, I agree to be bound by the\nterms and conditions as set forth herein and any amendments thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE RATE.\n\nAUTHORIZATION AND PAYMENT\nI authorize you to pay and charge my Account for all Purchases and Cash Advances made or obtained by me or anyone I authorize to use my\nCard or Account. I will be obligated to pay all such Purchases and Cash Advances charged to my Account whether resulting from:\n1.\n\nActual use of my Card;\n\n2.\n\nMail order or telephone, computer or other electronic Purchases made without presenting the Card; or\n\n3.\n\nAny other circumstance where I authorize a charge, or authorize someone else to make a charge, to my Account (collectively,\n\xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your order in U.S. Dollars with an instrument(s) drawn on a financial institution in\nthe United States at your office or at the address set forth on my periodic statement, all authorized charges on the terms and at the\nrates set forth herein, plus any interest charges and finance charges assessed on my Account and any other charges and fees which I\nmay owe you under the terms of this Agreement and Disclosure Statement. Payments will continue until I have paid in full the\nunpaid balance, accrued interest charges, and all collection-related charges, and any other fees and charges.\n\nINTEREST CHARGES\nThe interest charge for my billing cycle will include three (3) components:\n1.\n\nInterest charges for purchases;\n\n2.\n\nInterest charges for cash advances; and\n\n3.\n\nInterest charges for balance transfers.\n\nINTRODUCTORY AND PROMOTIONAL RATES\nAt your option, you may offer me, for a limited time, introductory or promotional rates for all or part of the new Purchase, Advance or Balance\nTransfers posted to my Account. In the offer materials, you will tell me the introductory or promotional rate and the time period that rate will\nbe in effect and any offer conditions or requirements. Unless the offer materials state otherwise or my account is in default, an introductory or\npromotional rate will remain in effect until the last day of the billing cycle in which the introductory or promotional rate expires. Any\nintroductory or promotional rate that applies to new or outstanding Account balances will increase to the standard rate that would otherwise\napply upon expiration.\n\nDETERMINATION OF ANNUAL PERCENTAGE RATE\nMy ANNUAL PERCENTAGE RATE is determined individually and will be based in part on my credit history at the time of application. My Initial\nMonthly Periodic Rates and corresponding ANNUAL PERCENTAGE RATES will be set forth in a separate Account Opening Disclosure Addendum,\nwhich is fully incorporated and becomes part of this Agreement and Disclosure Statement.\n\nPage 1 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nHOW YOU DETERMINE MY ANNUAL PERCENTAGE RATE\nMy ANNUAL PERCENTAGE RATE may increase or decrease during the term of this Agreement and Disclosure Statement Addendum. Any such\nchange will be based on an increase or decrease of the \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Western Edition of the Wall Street Journal on the 15th\nof each month (or the first business day thereafter in the event the 15th falls on a non-business day) (herein \xe2\x80\x9cIndex\xe2\x80\x9d). In no event will the\nANNUAL PERCENTAGE RATE exceed the maximum rate permitted to be charged by federally-chartered Credit Unions. In the event the Index\nceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index of our choosing.\nThe ANNUAL PERCENTAGE RATE initially applicable to all my Account\xe2\x80\x99s Purchases, Balance Transfers and Cash Advances is set forth in the\nAccount Opening Disclosure Addendum. If applicable to my account, the Penalty ANNUAL PERCENTAGE RATE is also set forth in the Account\nOpening Disclosure Addendum.\nMy ANNUAL PERCENTAGE RATE is subject to change every month on the day following my \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d. These dates shall be\nknown as \xe2\x80\x9cAdjustment Dates\xe2\x80\x9d. The Index in effect as of the 15th of the month shall be used to calculate the ANNUAL PERCENTAGE RATE change\neffective as of the Adjustment Date. For example, the Index in effect on January 15th will be used to calculate the ANNUAL PERCENTAGE RATE\nchange effective as of the Adjustment Date in February of the same year. You add a \xe2\x80\x9cmargin\xe2\x80\x9d to the index value to calculate my ANNUAL\nPERCENTAGE RATES. The amount of my margins for purchases, balance transfers, and cash advances appears on the Account Opening\nDisclosure Addendum. Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of this Agreement and Disclosure Statement\nAddendum are mandatory and increases in the ANNUAL PERCENTAGE RATE are at your discretion. If the ANNUAL PERCENTAGE RATE and\nMonthly Periodic Rate increases or decreases, the interest charge will increase or decrease. Each change in the ANNUAL PERCENTAGE RATE and\nMonthly Periodic Rate will apply to any balance outstanding on the effective date of such change, as well as to future purchases and cash\nadvances to the extent permitted by law. Any increase or decrease in the ANNUAL PERCENTAGE RATE may result in changes in the number of\npayments required to repay the unpaid balance and/or an increase in the minimum payment due.\n\nMONTHLY PERIODIC RATE, ANNUAL PERCENTAGE RATE AND PENALTY ANNUAL PERCENTAGE RATE\nThe interest charge for each billing cycle will be calculated by applying the monthly periodic rate to the Average Daily Balance (described\nbelow) for my account. The Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 12 and will change when the\nANNUAL PERCENTAGE RATE changes. Any changes to the ANNUAL PERCENTAGE RATE will be reflected on my periodic statement.\n\nCHANGE IN TERMS\nAccount and agreement terms are not guaranteed for any period of time. I understand and agree that you may amend, modify, add to, or\ndelete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as the method of\napplication and the amount of any interest charge, Transaction Fee, or other finance charge, ANNUAL PERCENTAGE RATE, monthly periodic\nrate, and/or fee in accordance with applicable laws. If required by applicable law, you will mail a notice of the change to me at my last known\naddress. I also understand that in the event of a significant change, as defined under the Federal Truth in Lending Act/ Regulation Z, any such\nnotice will be mailed at least forty-five (45) days prior to the effective date of the significant change as required by applicable law. If you are\nrequired by applicable law to provide me a right to reject significant changes to this Agreement and Disclosure Statement prior to the effective\ndate of such changes, you will provide me with an explanation of how to reject the significant changes. This does not apply if I fail to make a\nrequired minimum payment within sixty (60) days after its due date. You may change the terms of this Agreement and Disclosure Statement\nbased on information in my credit report, market conditions, business strategy, or for any other reason. You will provide me a notice of a\nchange in terms as required by law.\n\nHOW TO COMPUTE THE PURCHASE BALANCE UPON WHICH INTEREST CHARGES ARE ASSESSED\nTo avoid incurring additional interest charges on the balance of Purchases reflected on each periodic statement and on any new Purchases\nappearing on my next statement, I must pay the New Balance shown on each periodic statement on or before the Payment Due Date. The\ninterest charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily balance of Purchases, which is\ndetermined by dividing the sum of the daily balances for the billing cycle by the number of cycle days in the cycle. Each daily balance is\ndetermined by subtracting from the Previous Balance (the outstanding balance on my Account at the beginning of the billing cycle) any\npayments as received and credits as posted to my Account, and excluding any unpaid interest charges. You do not add in new Purchases.\nPage 2 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nHOW TO COMPUTE THE ADVANCES BALANCE UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED\nThe interest charges on Cash Advances and Balance Transfers begins to accrue on the transaction date or the first day of the billing cycle in\nwhich it is posted to my Account, whichever is later. There is no \xe2\x80\x9cfree ride\xe2\x80\x9d period (grace period). The interest charges for a billing cycle are\ncomputed by applying the Monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by dividing the sum\nof the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous\nBalance (the outstanding balance on my Account at the beginning of the billing cycle) any new Cash Advances or Balance Transfers made on the\nAccount, and subtracting any payments as received or credits as posted to my Account, but excluding any unpaid interest charges.\n\nGRACE PERIOD\nI will not incur additional interest charges if I pay the New Balance by the due date provided that either:\n1.\n\nYou received payment in full of the ending balance for the previous billing cycle by the Payment Due Date disclosed in the previous\nbilling cycle\xe2\x80\x99s periodic statement; or\n\n2.\n\nThe previous billing cycle\xe2\x80\x99s ending balance was $0.\n\nIf I have a grace period to pay the New Balance for any billing cycle, and do not pay the New Balance in full during this grace period, interest\ncharges will be assessed on any portion of the New Balance not paid during the grace period using the Average Daily Balance method as\nexplained above. The Payment Due Date disclosed on each periodic statement provided to me is the last day of my grace period for that\nstatement\xe2\x80\x99s billing cycle. For more on how payments are applied to purchases, advances or balance transfers, see \xe2\x80\x9cMinimum Payment\xe2\x80\x9d below.\nMINIMUM PAYMENT\nEvery month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic statement. By separate\nagreement, I may authorize you to automatically transfer the Minimum Payment Due from my First Tech share or share draft account. I may\npay more frequently, pay more or pay the New Balance in full, and I will reduce my interest charges by doing so. The Minimum Payment Due\nwill be either:\n1.\n2.\n\n2% of my New Balance, or $25.00, whichever is greater; or\nMy New Balance, if less than $25.00.\n\nIn addition, I must pay any amount on my periodic statement listed as past due with any late charge. Payments made in excess of\nthe minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.\n\nSKIP PAYMENT OPTION\nAt your discretion, you may occasionally offer me an opportunity to skip my obligation to make the Minimum Payment due. I may not skip\npayments unless you make this offer to me. I cannot accept a skip payment offer if my Account is delinquent or in Default. When I take\nadvantage of a skip payment offer, the interest will continue to accrue on my Account\xe2\x80\x99s entire unpaid balance.\nLATE PAYMENT FEE\nYou may charge my Account a Late Payment Fee in any month in which you do not receive the Minimum Payment Due by the payment due\ndate. The late payment fee is provided in the Account Opening Disclosure Addendum.\n\nPage 3 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nRETURNED PAYMENT FEE\nIf a payment you apply to my Account is returned to you unpaid for any reason, you will charge me a Returned Payment Fee. This fee will also\napply to any payments made by automatic transfer that cannot be posted due to insufficient funds in my regular share or checking account. The\namount of the returned payment fee is provided in the Account Opening Disclosure Addendum.\n\nADDITIONAL FEES\nYou may charge additional fees to my account in any month, as applicable. The fee types and amounts are provided in the Account Opening\nDisclosure Addendum.\n\nDEBT PROTECTION COVERAGE\nIf you offer credit protection on the Account and I request it, you will calculate the premium monthly by multiplying the premium rate by the\noutstanding balance on the Account. You will add the premium amount to the Account balance on the Billing Cycle Closing Date. The purchase\nof this insurance is entirely voluntary and is not required for credit approval. I acknowledge receiving a copy of the credit protection documents\nwhich contain current rates and other information. I understand and agree that if I have requested this protection coverage, I will be obligated\nto pay the premium(s) indicated on the election form which has been included as part of my payment. If I decide to cancel such protection, I\nmust do so in writing, and I agree to pay all premiums up to the date you act on my request to cancel.\n\nCREDIT LIMIT\nYou will set a maximum credit limit for my Account. You may change the credit limit at any time, with or without notice to me, subject to\napplicable law. I agree not to exceed or attempt to exceed the credit limit. I understand and agree that all purchases, cash advances and other\ntransactions requested by me, or anyone I have permitted to use the Card(s) and/or Account, are considered authorized by me and are subject\nto your approval.\n\nOVERDRAFT PROTECTION\nThis section applies only if I have specifically requested and have obtained Overdraft Protection linking the Account with a designated First Tech\nchecking account. An Overdraft Protection Advance is an advance of funds to my designated checking account from this Account that will\nprevent or cover overdrafts on my checking account. I authorize you to make Overdraft Protection Advances from the Account as provided in\nthis Agreement and Disclosure Statement. Any Overdraft Protection Advance will post and be disclosed as Cash Advance on my periodic\nstatement. An Overdraft Protection Advance will be made only once per day, and you will automatically transfer funds sufficient to cover the\nexact dollar amount of the overdraft. If the amount of available credit on my Card is less than the amount of the overdraft, you will not advance\nthe amount to cover the overdraft.\nIf there is more than one person listed on the checking account (such as joint checking account) that I have linked for Overdraft Protection,\nthen:\n1.\n\n2.\n\nI will be responsible for all Overdraft Protection advances regardless of which person writes the check or engages in any other\ntransaction (such as a debit card purchase) that causes the overdraft; and\nI expressly consent to you disclosing to any other person on that checking account, that the checking account is linked to this credit\ncard account for Overdraft Protection.\n\nAt your discretion, you reserve the right to cancel or suspend the Overdraft Protection service at any time for any reason, and you may impose\nother conditions on the Overdraft Protection service.\n\nUSING THE CARD\nI may use my card to make a purchase or obtain an advance at a participating MasterCard merchant or at a financial institution, using such\nmeans of authentication as may be required.\n\nPage 4 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nMy Card and/or Account may not be used directly or indirectly for:\n1.\n\nAny illegal activity or transaction; or\n\n2.\n\nAny gambling, gaming, betting or similar activity or transaction.\n\nFurther, I may not utilize my Card and/or Account for the purchase of any goods or services on the Internet that involve gambling, gaming,\nbetting or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or online gambling\ntransaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of\nlottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge described in this paragraph is\napproved and processed, I will still be responsible for such charge.\n\nELECTRONIC FUND TRANSFER\nIn the event a use of the Card or the Account number of the Card constitutes an Electronic Fund Transfer, the terms and conditions of my\nElectronic Fund Transfer Agreement and Disclosure with you shall govern such transactions to the extent the Electronic Fund Transfer\nAgreement and Disclosure expands or amends this Agreement and Disclosure Statement.\n\nPREPAYMENT OR IRREGULAR PAYMENTS\nThough I need only pay the Minimum Payment Due as shown on my periodic statement, I understand that I have the right to repay my entire\nAccount balance at any time without penalty. I also understand and agree that I will only be charged interest charges to the date my payment is\nposted to my entire Account balance. I may make larger payments without penalty, and this may reduce the total amount of interest charges\nthat I will pay. If I pay more than the Minimum Payment Due in any month and there is still a balance due, I must continue to make Minimum\nPayments in future months. Any partial payment of my loan will not advance my next payment due date(s). I understand and agree that any\npayment that (a) delays or (b) accelerates the repayment of my unpaid balance will (a) increase or (b) decrease my Monthly Periodic interest\ncharges.\n\nPAYMENTS BY AUTOMATIC TRANSFER\nIf I request payment by automatic transfer, I understand and agree that no payment can or will be made if there are insufficient or uncollected\nfunds in the designated deposit account to make the scheduled loan payment. Should this event occur, I understand and agree that I will not be\nreleased from making the payment. Any automatic transfer I have requested will remain in effect until I cancel it in writing or the Account\nbalance is paid in full. You may cancel this service at your discretion; however, I understand that I am still responsible for ensuring that timely\npayment is made to you.\n\nDEFAULT\nI will be in default if:\n1.\n\nI do not pay on time or in the proper amount(s);\n\n2.\n\nI fail to live up to any of the terms of this Agreement and Disclosure Statement Addendum;\n\n3.\n\nMy creditworthiness is impaired; or\n\n4.\n\nI die, become insolvent or am the subject of bankruptcy or receivership proceedings.\n\nIn the event of any action by you to enforce this Agreement and Disclosure Statement Addendum, I agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. I understand and agree that I will be subject to interest charges (at the applicable Monthly Periodic Rate),\nlate charges, collection costs, reasonable attorneys\xe2\x80\x99 fees and court costs under the terms disclosed in this Agreement and Disclosure Statement\nAddendum, until I repay my entire Account balance.\n\nPage 5 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nSUSPENSION/REVOCATION OF CREDIT PRIVILEGES AND ACCELERATION\nUpon my default, I understand and agree that you have the right to temporarily or permanently suspend or terminate any and all Account and\nCard privileges, and/or you may demand immediate payment as permitted by law of the unpaid balance, including interest charges, late\ncharges, your collection costs, reasonable attorney\xe2\x80\x99s fees and court costs. You also may increase any applicable promotional rate to the regular,\nnon-promotional rate.\n\nRESPONSIBILITY\nI agree to repay you according to the terms of this Agreement and Disclosure Statement Addendum for all purchases, advances, interest\ncharges, late charges and any other fees and charges if any, arising from the use of the Account by me or any other person I permit to use the\nAccount, even if that person exceeds my permission. I cannot disclaim responsibility by notifying you, although you will close the Account if I so\nrequest and I will return all Cards to you. My obligation to pay the Account balance continues even though an agreement, divorce decree or\nother court judgment to which you are not a party may direct me or one of the other persons responsible to pay the Account. Any person using\nthe Account and/or Card is jointly and severally responsible with me for charges he or she makes, but if that person signs the Card he or she\nbecomes a party to this Agreement and Disclosure Statement Addendum and is also responsible for all charges on the Account, including mine.\n\nUNAUTHORIZED USE\nI may be liable for the unauthorized use of the Card and/or the Account. I will not be liable for unauthorized use that occurs after I provide\nnotification by calling 855.855.8805, or when you receive notice in writing at PO Box 2100, Beaverton, OR 97075-2100, of the loss, theft or\npossible unauthorized use. In any case, my liability for unauthorized use will not exceed $50.00. My liability may be lower in cases of credit card\nfraud in accordance with current MasterCard Rules. \xe2\x80\x9cUnauthorized Use\xe2\x80\x9d means use of the Card on my Account, by a person other than me,\nwho does not have actual, implied or apparent authority for such use, and from which I receive no benefit. Without limiting the foregoing,\n\xe2\x80\x9cunauthorized use\xe2\x80\x9d does not include any use by a third party as described below under \xe2\x80\x9cAuthorized User\xe2\x80\x9d.\n\nTERMINATION\nYou may terminate this Agreement and Disclosure Statement Addendum upon my default. Either you or I may terminate this Agreement and\nDisclosure Statement Addendum for other good cause or no cause. In no event shall any termination relieve me of my obligation to repay sums\nalready borrowed, interest charges, late charges, and other fees, charges and costs, if any.\n\nLIEN ON SHARES\nI have voluntarily agreed to a lien on shares in my MasterCard Application, I understand and agree that if I am in default, you may apply all\nshares (except IRA accounts) then on deposit needed by you to repay my loan. To the extent you have pledged collateral securing other\nloans with First Tech, in the event of a default on this Account, with the exception of your personal residence, such collateral will also serve\nas collateral for this Account.\n\nTRANSACTION SLIPS\nMy periodic statement will identify the merchant, electronic terminal or financial institution, at which the transactions were made, but sales,\ncash advance, credit or other slips cannot be returned with the periodic statement. I will retain copies of such slips furnished at the time of the\ntransaction in order to verify my periodic statement. You may make a reasonable charge for any photocopies or slips I request.\n\nPage 6 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nFOREIGN TRANSACTIONS\nPurchases, cash advances and credits made in foreign currencies will be billed to my Account in U.S. dollars. The conversion to U.S. dollars will\nbe made in accordance with the MasterCard Rules for currency conversion. The exchange rate between the transaction currency and the billing\ncurrency used for processing currency conversions is a rate selected by MasterCard. Rates may vary from the rate MasterCard itself receives or\nthe government-mandated rate in effect for the applicable central processing date. The conversion rate may be different than the rate on the\nday of the transaction or date of the posting of the Account. When a credit to the Account does not fully offset a charge to the Account due to\nchanges in the rate, I am responsible for the differences.\n\nRETURNS AND ADJUSTMENTS\nMerchants and others who honor the Account and/or Card may give credit for returns or adjustments, and they will do so by sending you a\ncredit slip which you will post to the Account. If my credits and payments exceed what I owe you, you will hold and apply this credit balance\nagainst future purchases and cash advances, or if it is $1.00 or more, refund it on my written request or automatically after six (6) months. You\nmay refund such sums by depositing them in my First Tech membership account.\n\nSURRENDER OF CARD(S)\nThe Card(s) remains your property and, if you request, I must surrender to you all Card(s) you have issued on the Account.\n\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY\nI will notify you AT ONCE if I believe that the Card, Account number, PIN or any combination of the three has been lost or stolen by immediately\ncalling you at 855.855.8805. Telephoning is the best way of minimizing my possible losses. I understand that my total liability to you shall not\nexceed $50.00 for any Account and/or Card transactions resulting from the loss, theft or other unauthorized use of the Account and/or Card\nthat occurs prior to the time I give notice to you. In some cases my liability for unauthorized transactions will be zero under applicable\nMasterCard Rules.\n\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d\nYou may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness, without being bound by such language or waiving any rights under this Agreement and Disclosure Statement Addendum.\nFull satisfaction of indebtedness shall be accepted by you only in a written agreement, signed by an authorized representative. Communications\nregarding any disputes must be mailed to the following address: Card Services Department, PO Box 2100, Beaverton, OR 97075-2100. Any\ncommunications sent elsewhere, or acceptance of payments marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or the like, will be of no legal effect. The foregoing\nprovision does not limit any rights I have to dispute transactions on my Account under applicable federal law. Refer to \xe2\x80\x9cMy Billing Rights\xe2\x80\x9d below\nin the Agreement and Disclosure.\n\nDELAY IN ENFORCEMENT\nYou can delay enforcing any of your rights under this Agreement and Disclosure Statement Addendum without losing them.\n\nGOVERNING LAW\nI understand and agree that this Agreement and Disclosure Statement 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 or otherwise preempted. I also understand and agree\nthat California\xe2\x80\x99s choice of law rules shall not be applied if they would result in the application of non-California law.\n\nINTEGRATED DOCUMENT(S)\nAny separate sheet of paper labeled \xe2\x80\x9cAccount Opening Disclosure Addendum\xe2\x80\x9d which is delivered together with this form is an integrated part\nof the Agreement and Disclosure Statement.\nPage 7 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nMEMBERSHIP REQUIREMENT\nI understand and agree that I must be, and remain, a member in good standing with you to be eligible for continuing Account and/or Card\nprivileges including future purchases and advances. I understand and agree that you may suspend the Account and/or Card privileges during\nany period in which I do not satisfactorily maintain my membership with you.\n\nCREDIT INFORMATION\nI authorize you to investigate my credit standing when opening, renewing or reviewing the Account, and I authorize you to disclose information\nregarding the Account to credit bureaus and other creditors who inquire of you about my credit standing to the extent authorized by law.\n\nCHANGE OF NAME, ADDRESS OR EMPLOYMENT STATUS\nYou will send my monthly statements and Account notices to the address shown in your records. I understand and agree that I must report to\nyou any change in my name, address or employment status. I must send you this information 21 days before the date a billing cycle closes in\norder to receive my monthly statement to my new address.\n\nACCURACY OF INFORMATION\nThe information provided in my request for credit (application) is accurate, and I will notify you in writing immediately if there is a change in my\nfinancial condition. You may retain the application. I understand that it is a violation of Section 1014, Title 18, US Code to make false statements\nor over value security for the purpose of influencing the action of any federally-insured credit union.\n\nAUTHORIZED USER\nI agree not to allow access to my Card, Account number, or personal identification number (PIN) to anyone else to use my Account, except by\nasking you to issue a card to grant Account access to another person. If I allow access to my Card or Account information, I will be liable for any\ntransactions conducted by that person, unless and except as expressly required by applicable law. I agree to be responsible for all Account\ntransactions made by anyone who I have authorized by:\n\n1.\n\nAsking you to issue a Card to grant Account access to another person,\n\n2.\n\nLending my Card to or\n\n3.\n\nAllowing Account access by another person, or any other way in which I would be legally considered to have allowed another person\nto use my Account or to be legally prevented from denying that I did so.\n\nOnce I allow authority to any authorized user I cannot limit that authority unless my Account is closed to future transactions. I, as a primary\nuser, must call or write you with any request to cancel and revoke a person\xe2\x80\x99s authority. Any individual I authorize has no right to make any\nAccount changes. Authorized users of this account may have the same access to information about the account and its users as me. First Tech\nmay send account materials (cards, statements and notices) to any liable party, and that person will be responsible for delivering those\nmaterials to the other liable parties and authorized users. Notice to any of us will be considered notice to all of us. If any person uses the Card,\nsuch use indicates his or her agreement to pay First Tech, and you may, at your discretion, pursue the person for payment of any Outstanding\nBalance or any other charges they authorize. I agree to notify each authorized person that they are subject to all applicable sections of this\nAgreement.\n\nCOPY RECEIVED\nI acknowledge receipt of a copy of this Agreement and Disclosure Statement Addendum and agree to accept its terms.\nNOTICE: See the statement below for important information regarding my right to dispute billing errors.\n\nPage 8 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nMy Billing Rights: Keep This Document for Future Use\nThis notice tells me about my rights and your responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If I Find A Mistake On My Statement\nIf I think there is an error on my statement, I must send you a secure message through online banking or write to you at:\nMember Services\nPO Box 2100\nBeaverton, OR 97075-2100\nIn my letter online-banking message, I must give you the following information:\n\xe2\x80\xa2\nAccount information: My name and account number\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error\n\xe2\x80\xa2\n\nDescription of problem: If I think there is an error on my bill, describe what I believe is wrong and why I believe it is a mistake.\n\nI must contact you:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on my statement.\nAt least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong.\n\nI must notify you of any potential errors in writing. I may call you, but if I do, you are not required to investigate any potential errors and I may\nhave to pay the amount in question.\n\nWhat Will Happen After You Receive My Letter\nWhen you receive my letter, you must do two things:\n1.\n\nWithin 30 days of receiving my letter, you must tell me that you received my letter. You will also tell me if you have already\n\n2.\n\ncorrected the error.\nWithin 90 days of receiving my letter, you must either correct the error or explain to me why you believe the bill is correct.\n\nWhile you investigate whether or not there has been an error:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nYou cannot try to collect the amount in question or report me as delinquent on that amount.\nThe charge in question may remain on my statement, and you may continue to charge me interest on that amount.\nWhile I do not have to pay the amount in question, I am responsible for the remainder of my balance.\nYou can apply any unpaid amount against my credit limit.\n\nAfter you finish your investigation, one of two things will happen:\n1.\n\nIf you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount.\n\n2.\n\nIf you do not believe there was a mistake: I will have to pay the amount in question, along with applicable interest and fees. You will\nsend me a statement of the amount I owe and the date payment is due. You may then report me as delinquent if I do not pay the\namount you think I owe.\n\nIf I receive your explanation but still believe my bill is wrong, I must write to you within 10 days telling you that I still refuse to pay. If I do so,\nyou cannot report me as delinquent without also reporting that I am questioning my bill. You must tell me the name of anyone to whom you\nreported me as delinquent, and you must let those organizations know when the matter has been settled between us. If you do not follow all of\nthe rules above, I do not have to pay the first $50 of the amount I question even if my bill is correct.\n\nMy Rights If I Am Dissatisfied With My Credit Card Purchases\nIf I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to correct the problem\nwith the merchant, I may have the right not to pay the remaining amount due on the purchase.\n\nPage 9 of 10\n\n\x0cFirst Technology Federal Credit Union Choice Rewards World MasterCard\xc2\xae Card\nAgreement and Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement you mailed to\nme, or if you own the company that sold me the goods or services.)\n\n2.\n3.\n\nI must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nmy credit card account do not qualify.\nI must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and I am still dissatisfied with the purchase, I may contact you in writing at:\nMember Services\nPO Box 2100\nBeaverton, OR 97075-2100\nWhile you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will tell me your\ndecision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent.\n\nQuestions concerning my MasterCard Card Account with First Technology Federal Credit Union can be directed to the Card Services\nDepartment, PO Box 2100, Beaverton, OR 97075- 2100 or by calling 855.855.8805, Monday - Friday, 6am to 6pm, Pacific Time.\n\nPage 10 of 10\n\n\x0c'


b'First Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nIn this Platinum MasterCard Card Agreement and Federal Truth-in-Lending Disclosure Statement (\xe2\x80\x9cAgreement and Disclosure Statement\xe2\x80\x9d) the\nwords:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy\xe2\x80\x9d and \xe2\x80\x9cmine\xe2\x80\x9d mean any and all of those who apply for or use the First Technology Federal Credit Union Platinum\nMasterCard Card.\n\xe2\x80\x9cFirst Tech,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean First Technology Federal Credit Union.\n\xe2\x80\x9cCard\xe2\x80\x9d means the Platinum MasterCard Card issued to me and any duplicates and/or renewals you may issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means my Platinum MasterCard Card Account with you.\n\nBy requesting and receiving, signing, using or permitting others to use the Card and/or Account issued to me by you, I agree to be bound by the\nterms and conditions as set forth herein and any amendments thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE RATE.\n\nAUTHORIZATION AND PAYMENT\nI authorize you to pay and charge my Account for all Purchases and Cash Advances made or obtained by me or anyone I authorize to use my\nCard or Account. I will be obligated to pay all such Purchases and Cash Advances charged to my Account whether resulting from:\n1.\n\nActual use of my Card;\n\n2.\n\nMail order or telephone, computer or other electronic Purchases made without presenting the Card; or\n\n3.\n\nAny other circumstance where I authorize a charge, or authorize someone else to make a charge, to my Account (collectively,\n\xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your order in U.S. Dollars with an instrument(s) drawn on a financial institution in\nthe United States at your office or at the address set forth on my periodic statement, all authorized charges on the terms and at the\nrates set forth herein, plus any interest charges and finance charges assessed on my Account and any other charges and fees which I\nmay owe you under the terms of this Agreement and Disclosure Statement. Payments will continue until I have paid in full the\nunpaid balance, accrued interest charges, and all collection-related charges, and any other fees and charges.\n\nINTEREST CHARGES\nThe interest charge for my billing cycle will include three (3) components:\n1.\n\nInterest charges for purchases;\n\n2.\n\nInterest charges for cash advances; and\n\n3.\n\nInterest charges for balance transfers.\n\nINTRODUCTORY AND PROMOTIONAL RATES\nAt your option, you may offer me, for a limited time, introductory or promotional rates for all or part of the new Purchase, Advance or Balance\nTransfers posted to my Account. In the offer materials, you will tell me the introductory or promotional rate and the time period that rate will\nbe in effect and any offer conditions or requirements. Unless the offer materials state otherwise or my account is in default, an introductory or\npromotional rate will remain in effect until the last day of the billing cycle in which the introductory or promotional rate expires. Any\nintroductory or promotional rate that applies to new or outstanding Account balances will increase to the standard rate that would otherwise\napply upon expiration.\n\nDETERMINATION OF ANNUAL PERCENTAGE RATE\nMy ANNUAL PERCENTAGE RATE is determined individually and will be based in part on my credit history at the time of application. My Initial\nMonthly Periodic Rates and corresponding ANNUAL PERCENTAGE RATES will be set forth in a separate Account Opening Disclosure Addendum,\nwhich is fully incorporated and becomes part of this Agreement and Disclosure Statement.\n\nPage 1 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nHOW YOU DETERMINE MY ANNUAL PERCENTAGE RATE\nMy ANNUAL PERCENTAGE RATE may increase or decrease during the term of this Agreement and Disclosure Statement Addendum. Any such\nchange will be based on an increase or decrease of the \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Western Edition of the Wall Street Journal on the 15th\nof each month (or the first business day thereafter in the event the 15th falls on a non-business day) (herein \xe2\x80\x9cIndex\xe2\x80\x9d). In no event will the\nANNUAL PERCENTAGE RATE exceed the maximum rate permitted to be charged by federally-chartered Credit Unions. In the event the Index\nceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index of our choosing.\nThe ANNUAL PERCENTAGE RATE initially applicable to all my Account\xe2\x80\x99s Purchases, Balance Transfers and Cash Advances is set forth in the\nAccount Opening Disclosure Addendum. If applicable to my account, the Penalty ANNUAL PERCENTAGE RATE is also set forth in the Account\nOpening Disclosure Addendum.\nMy ANNUAL PERCENTAGE RATE is subject to change every month on the day following my \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d. These dates shall be\nknown as \xe2\x80\x9cAdjustment Dates\xe2\x80\x9d. The Index in effect as of the 15th of the month shall be used to calculate the ANNUAL PERCENTAGE RATE change\neffective as of the Adjustment Date. For example, the Index in effect on January 15th will be used to calculate the ANNUAL PERCENTAGE RATE\nchange effective as of the Adjustment Date in February of the same year. You add a \xe2\x80\x9cmargin\xe2\x80\x9d to the index value to calculate my ANNUAL\nPERCENTAGE RATES. The amount of my margins for purchases, balance transfers, and cash advances appears on the Account Opening\nDisclosure Addendum. Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of this Agreement and Disclosure Statement\nAddendum are mandatory and increases in the ANNUAL PERCENTAGE RATE are at your discretion. If the ANNUAL PERCENTAGE RATE and\nMonthly Periodic Rate increases or decreases, the interest charge will increase or decrease. Each change in the ANNUAL PERCENTAGE RATE and\nMonthly Periodic Rate will apply to any balance outstanding on the effective date of such change, as well as to future purchases and cash\nadvances to the extent permitted by law. Any increase or decrease in the ANNUAL PERCENTAGE RATE may result in changes in the number of\npayments required to repay the unpaid balance and/or an increase in the minimum payment due.\n\nMONTHLY PERIODIC RATE, ANNUAL PERCENTAGE RATE AND PENALTY ANNUAL PERCENTAGE RATE\nThe interest charge for each billing cycle will be calculated by applying the monthly periodic rate to the Average Daily Balance (described\nbelow) for my account. The Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 12 and will change when the\nANNUAL PERCENTAGE RATE changes. Any changes to the ANNUAL PERCENTAGE RATE will be reflected on my periodic statement.\n\nCHANGE IN TERMS\nAccount and agreement terms are not guaranteed for any period of time. I understand and agree that you may amend, modify, add to, or\ndelete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as the method of\napplication and the amount of any interest charge, Transaction Fee, or other finance charge, ANNUAL PERCENTAGE RATE, monthly periodic\nrate, and/or fee in accordance with applicable laws. If required by applicable law, you will mail a notice of the change to me at my last known\naddress. I also understand that in the event of a significant change, as defined under the Federal Truth in Lending Act/ Regulation Z, any such\nnotice will be mailed at least forty-five (45) days prior to the effective date of the significant change as required by applicable law. If you are\nrequired by applicable law to provide me a right to reject significant changes to this Agreement and Disclosure Statement prior to the effective\ndate of such changes, you will provide me with an explanation of how to reject the significant changes. This does not apply if I fail to make a\nrequired minimum payment within sixty (60) days after its due date. You may change the terms of this Agreement and Disclosure Statement\nbased on information in my credit report, market conditions, business strategy, or for any other reason. You will provide me a notice of a\nchange in terms as required by law.\n\nHOW TO COMPUTE THE PURCHASE BALANCE UPON WHICH INTEREST CHARGES ARE ASSESSED\nTo avoid incurring additional interest charges on the balance of Purchases reflected on each periodic statement and on any new Purchases\nappearing on my next statement, I must pay the New Balance shown on each periodic statement on or before the Payment Due Date. The\ninterest charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily balance of Purchases, which is\ndetermined by dividing the sum of the daily balances for the billing cycle by the number of cycle days in the cycle. Each daily balance is\ndetermined by subtracting from the Previous Balance (the outstanding balance on my Account at the beginning of the billing cycle) any\npayments as received and credits as posted to my Account, and excluding any unpaid interest charges. You do not add in new Purchases.\n\nPage 2 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nHOW TO COMPUTE THE ADVANCES BALANCE UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED\nThe interest charges on Cash Advances and Balance Transfers begins to accrue on the transaction date or the first day of the billing cycle in\nwhich it is posted to my Account, whichever is later. There is no \xe2\x80\x9cfree ride\xe2\x80\x9d period (grace period). The interest charges for a billing cycle are\ncomputed by applying the Monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by dividing the sum\nof the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous\nBalance (the outstanding balance on my Account at the beginning of the billing cycle) any new Cash Advances or Balance Transfers made on the\nAccount, and subtracting any payments as received or credits as posted to my Account, but excluding any unpaid interest charges.\n\nGRACE PERIOD\nI will not incur additional interest charges if I pay the New Balance by the due date provided that either:\n1.\n\nYou received payment in full of the ending balance for the previous billing cycle by the Payment Due Date disclosed in the previous\n\n2.\n\nbilling cycle\xe2\x80\x99s periodic statement; or\nThe previous billing cycle\xe2\x80\x99s ending balance was $0.\n\nIf I have a grace period to pay the New Balance for any billing cycle, and do not pay the New Balance in full during this grace period, interest\ncharges will be assessed on any portion of the New Balance not paid during the grace period using the Average Daily Balance method as\nexplained above. The Payment Due Date disclosed on each periodic statement provided to me is the last day of my grace period for that\nstatement\xe2\x80\x99s billing cycle. For more on how payments are applied to purchases, advances or balance transfers, see \xe2\x80\x9cMinimum Payment\xe2\x80\x9d below.\nMINIMUM PAYMENT\nEvery month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic statement. By separate\nagreement, I may authorize you to automatically transfer the Minimum Payment Due from my First Tech share or share draft account. I may\npay more frequently, pay more or pay the New Balance in full, and I will reduce my interest charges by doing so. The Minimum Payment Due\nwill be either:\n1.\n2.\n\n2% of my New Balance, or $25.00, whichever is greater; or\nMy New Balance, if less than $25.00.\n\nIn addition, I must pay any amount on my periodic statement listed as past due with any late charge. Payments made in excess of the\nminimum payment will generally be applied to balances with higher APRs first before balances with lower ones.\nSKIP PAYMENT OPTION\nAt your discretion, you may occasionally offer me an opportunity to skip my obligation to make the Minimum Payment due. I may not skip\npayments unless you make this offer to me. I cannot accept a skip payment offer if my Account is delinquent or in Default. When I take\nadvantage of a skip payment offer, the interest will continue to accrue on my Account\xe2\x80\x99s entire unpaid balance.\nLATE PAYMENT FEE\nYou may charge my Account a Late Payment Fee in any month in which you do not receive the Minimum Payment Due by the payment due\ndate. The late payment fee is provided in the Account Opening Disclosure Addendum.\n\nPage 3 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nRETURNED PAYMENT FEE\nIf a payment you apply to my Account is returned to you unpaid for any reason, you will charge me a Returned Payment Fee. This fee will also\napply to any payments made by automatic transfer that cannot be posted due to insufficient funds in my regular share or checking account. The\namount of the returned payment fee is provided in the Account Opening Disclosure Addendum.\n\nADDITIONAL FEES\nYou may charge additional fees to my account in any month, as applicable. The fee types and amounts are provided in the Account Opening\nDisclosure Addendum.\n\nDEBT PROTECTION COVERAGE\nIf you offer credit protection on the Account and I request it, you will calculate the premium monthly by multiplying the premium rate by the\noutstanding balance on the Account. You will add the premium amount to the Account balance on the Billing Cycle Closing Date. The purchase\nof this insurance is entirely voluntary and is not required for credit approval. I acknowledge receiving a copy of the credit protection documents\nwhich contain current rates and other information. I understand and agree that if I have requested this protection coverage, I will be obligated\nto pay the premium(s) indicated on the election form which has been included as part of my payment. If I decide to cancel such protection, I\nmust do so in writing, and I agree to pay all premiums up to the date you act on my request to cancel.\n\nCREDIT LIMIT\nYou will set a maximum credit limit for my Account. You may change the credit limit at any time, with or without notice to me, subject to\napplicable law. I agree not to exceed or attempt to exceed the credit limit. I understand and agree that all purchases, cash advances and other\ntransactions requested by me, or anyone I have permitted to use the Card(s) and/or Account, are considered authorized by me and are subject\nto your approval.\n\nOVERDRAFT PROTECTION\nThis section applies only if I have specifically requested and have obtained Overdraft Protection linking the Account with a designated First Tech\nchecking account. An Overdraft Protection Advance is an advance of funds to my designated checking account from this Account that will\nprevent or cover overdrafts on my checking account. I authorize you to make Overdraft Protection Advances from the Account as provided in\nthis Agreement and Disclosure Statement. Any Overdraft Protection Advance will post and be disclosed as Cash Advance on my periodic\nstatement. An Overdraft Protection Advance will be made only once per day, and you will automatically transfer funds sufficient to cover the\nexact dollar amount of the overdraft. If the amount of available credit on my Card is less than the amount of the overdraft, you will not advance\nthe amount to cover the overdraft.\nIf there is more than one person listed on the checking account (such as joint checking account) that I have linked for Overdraft Protection,\nthen:\n1.\n\nI will be responsible for all Overdraft Protection advances regardless of which person writes the check or engages in any other\ntransaction (such as a debit card purchase) that causes the overdraft; and\n\n2.\n\nI expressly consent to you disclosing to any other person on that checking account, that the checking account is linked to this credit\ncard account for Overdraft Protection.\n\nAt your discretion, you reserve the right to cancel or suspend the Overdraft Protection service at any time for any reason, and you may impose\nother conditions on the Overdraft Protection service.\n\nUSING THE CARD\nI may use my card to make a purchase or obtain an advance at a participating MasterCard merchant or at a financial institution, using such\nmeans of authentication as may be required.\n\nPage 4 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nMy Card and/or Account may not be used directly or indirectly for:\n1.\n\nAny illegal activity or transaction; or\n\n2.\n\nAny gambling, gaming, betting or similar activity or transaction.\n\nFurther, I may not utilize my Card and/or Account for the purchase of any goods or services on the Internet that involve gambling, gaming,\nbetting or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or online gambling\ntransaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of\nlottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge described in this paragraph is\napproved and processed, I will still be responsible for such charge.\n\nELECTRONIC FUND TRANSFER\nIn the event a use of the Card or the Account number of the Card constitutes an Electronic Fund Transfer, the terms and conditions of my\nElectronic Fund Transfer Agreement and Disclosure with you shall govern such transactions to the extent the Electronic Fund Transfer\nAgreement and Disclosure expands or amends this Agreement and Disclosure Statement.\n\nPREPAYMENT OR IRREGULAR PAYMENTS\nThough I need only pay the Minimum Payment Due as shown on my periodic statement, I understand that I have the right to repay my entire\nAccount balance at any time without penalty. I also understand and agree that I will only be charged interest charges to the date my payment is\nposted to my entire Account balance. I may make larger payments without penalty, and this may reduce the total amount of interest charges\nthat I will pay. If I pay more than the Minimum Payment Due in any month and there is still a balance due, I must continue to make Minimum\nPayments in future months. Any partial payment of my loan will not advance my next payment due date(s). I understand and agree that any\npayment that (a) delays or (b) accelerates the repayment of my unpaid balance will (a) increase or (b) decrease my Monthly Periodic interest\ncharges.\n\nPAYMENTS BY AUTOMATIC TRANSFER\nIf I request payment by automatic transfer, I understand and agree that no payment can or will be made if there are insufficient or uncollected\nfunds in the designated deposit account to make the scheduled loan payment. Should this event occur, I understand and agree that I will not be\nreleased from making the payment. Any automatic transfer I have requested will remain in effect until I cancel it in writing or the Account\nbalance is paid in full. You may cancel this service at your discretion; however, I understand that I am still responsible for ensuring that timely\npayment is made to you.\n\nDEFAULT\nI will be in default if:\n1.\n\nI do not pay on time or in the proper amount(s);\n\n2.\n\nI fail to live up to any of the terms of this Agreement and Disclosure Statement Addendum;\n\n3.\n\nMy creditworthiness is impaired; or\n\n4.\n\nI die, become insolvent or am the subject of bankruptcy or receivership proceedings.\n\nIn the event of any action by you to enforce this Agreement and Disclosure Statement Addendum, I agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. I understand and agree that I will be subject to interest charges (at the applicable Monthly Periodic Rate),\nlate charges, collection costs, reasonable attorneys\xe2\x80\x99 fees and court costs under the terms disclosed in this Agreement and Disclosure Statement\nAddendum, until I repay my entire Account balance.\n\nPage 5 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nSUSPENSION/REVOCATION OF CREDIT PRIVILEGES AND ACCELERATION\nUpon my default, I understand and agree that you have the right to temporarily or permanently suspend or terminate any and all Account and\nCard privileges, and/or you may demand immediate payment as permitted by law of the unpaid balance, including interest charges, late\ncharges, your collection costs, reasonable attorney\xe2\x80\x99s fees and court costs. You also may increase any applicable promotional rate to the regular,\nnon-promotional rate.\n\nRESPONSIBILITY\nI agree to repay you according to the terms of this Agreement and Disclosure Statement Addendum for all purchases, advances, interest\ncharges, late charges and any other fees and charges if any, arising from the use of the Account by me or any other person I permit to use the\nAccount, even if that person exceeds my permission. I cannot disclaim responsibility by notifying you, although you will close the Account if I so\nrequest and I will return all Cards to you. My obligation to pay the Account balance continues even though an agreement, divorce decree or\nother court judgment to which you are not a party may direct me or one of the other persons responsible to pay the Account. Any person using\nthe Account and/or Card is jointly and severally responsible with me for charges he or she makes, but if that person signs the Card he or she\nbecomes a party to this Agreement and Disclosure Statement Addendum and is also responsible for all charges on the Account, including mine.\n\nUNAUTHORIZED USE\nI may be liable for the unauthorized use of the Card and/or the Account. I will not be liable for unauthorized use that occurs after I provide\nnotification by calling 855.855.8805, or when you receive notice in writing at PO Box 2100, Beaverton, OR 97075-2100, of the loss, theft or\npossible unauthorized use. In any case, my liability for unauthorized use will not exceed $50.00. My liability may be lower in cases of credit card\nfraud in accordance with current MasterCard Rules. \xe2\x80\x9cUnauthorized Use\xe2\x80\x9d means use of the Card on my Account, by a person other than me,\nwho does not have actual, implied or apparent authority for such use, and from which I receive no benefit. Without limiting the foregoing,\n\xe2\x80\x9cunauthorized use\xe2\x80\x9d does not include any use by a third party as described below under \xe2\x80\x9cAuthorized User\xe2\x80\x9d.\n\nTERMINATION\nYou may terminate this Agreement and Disclosure Statement Addendum upon my default. Either you or I may terminate this Agreement and\nDisclosure Statement Addendum for other good cause or no cause. In no event shall any termination relieve me of my obligation to repay sums\nalready borrowed, interest charges, late charges, and other fees, charges and costs, if any.\n\nLIEN ON SHARES\nI have voluntarily agreed to a lien on shares in my MasterCard Application, I understand and agree that if I am in default, you may apply all\nshares (except IRA accounts) then on deposit needed by you to repay my loan. To the extent you have pledged collateral securing other\nloans with First Tech, in the event of a default on this Account, with the exception of your personal residence, such collateral will also serve\nas collateral for this Account.\n\nPLEDGE OF SHARES: If I have signed a separate Share Pledge Agreement (in connection with opening my Platinum Secured MasterCard Card\nAccount), I understand and agree that I am pledging, under the Uniform Commercial Code, shares now on deposit in my regular share\naccount(s). The terms and conditions relating to the Credit Union\xe2\x80\x99s security interest in my shares are set forth in the Share Pledge Agreement.\nTRANSACTION SLIPS\nMy periodic statement will identify the merchant, electronic terminal or financial institution, at which the transactions were made, but sales,\ncash advance, credit or other slips cannot be returned with the periodic statement. I will retain copies of such slips furnished at the time of the\ntransaction in order to verify my periodic statement. You may make a reasonable charge for any photocopies or slips I request.\n\nPage 6 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nFOREIGN TRANSACTIONS\nPurchases, cash advances and credits made in foreign currencies will be billed to my Account in U.S. dollars. The conversion to U.S. dollars will\nbe made in accordance with the MasterCard Rules for currency conversion. The exchange rate between the transaction currency and the billing\ncurrency used for processing currency conversions is a rate selected by MasterCard. Rates may vary from the rate MasterCard itself receives or\nthe government-mandated rate in effect for the applicable central processing date. The conversion rate may be different than the rate on the\nday of the transaction or date of the posting of the Account. When a credit to the Account does not fully offset a charge to the Account due to\nchanges in the rate, I am responsible for the differences.\n\nRETURNS AND ADJUSTMENTS\nMerchants and others who honor the Account and/or Card may give credit for returns or adjustments, and they will do so by sending you a\ncredit slip which you will post to the Account. If my credits and payments exceed what I owe you, you will hold and apply this credit balance\nagainst future purchases and cash advances, or if it is $1.00 or more, refund it on my written request or automatically after six (6) months. You\nmay refund such sums by depositing them in my First Tech membership account.\n\nSURRENDER OF CARD(S)\nThe Card(s) remains your property and, if you request, I must surrender to you all Card(s) you have issued on the Account.\n\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY\nI will notify you AT ONCE if I believe that the Card, Account number, PIN or any combination of the three has been lost or stolen by immediately\ncalling you at 855.855.8805. Telephoning is the best way of minimizing my possible losses. I understand that my total liability to you shall not\nexceed $50.00 for any Account and/or Card transactions resulting from the loss, theft or other unauthorized use of the Account and/or Card\nthat occurs prior to the time I give notice to you. In some cases my liability for unauthorized transactions will be zero under applicable\nMasterCard Rules.\n\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d\nYou may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness, without being bound by such language or waiving any rights under this Agreement and Disclosure Statement Addendum.\nFull satisfaction of indebtedness shall be accepted by you only in a written agreement, signed by an authorized representative. Communications\nregarding any disputes must be mailed to the following address: Card Services Department, PO Box 2100, Beaverton, OR 97075-2100. Any\ncommunications sent elsewhere, or acceptance of payments marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or the like, will be of no legal effect. The foregoing\nprovision does not limit any rights I have to dispute transactions on my Account under applicable federal law. Refer to \xe2\x80\x9cMy Billing Rights\xe2\x80\x9d below\nin the Agreement and Disclosure.\n\nDELAY IN ENFORCEMENT\nYou can delay enforcing any of your rights under this Agreement and Disclosure Statement Addendum without losing them.\n\nGOVERNING LAW\nI understand and agree that this Agreement and Disclosure Statement 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 or otherwise preempted. I also understand and agree\nthat California\xe2\x80\x99s choice of law rules shall not be applied if they would result in the application of non-California law.\n\nINTEGRATED DOCUMENT(S)\nAny separate sheet of paper labeled \xe2\x80\x9cAccount Opening Disclosure Addendum\xe2\x80\x9d which is delivered together with this form is an integrated part\nof the Agreement and Disclosure Statement.\nPage 7 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nMEMBERSHIP REQUIREMENT\nI understand and agree that I must be, and remain, a member in good standing with you to be eligible for continuing Account and/or Card\nprivileges including future purchases and advances. I understand and agree that you may suspend the Account and/or Card privileges during\nany period in which I do not satisfactorily maintain my membership with you.\n\nCREDIT INFORMATION\nI authorize you to investigate my credit standing when opening, renewing or reviewing the Account, and I authorize you to disclose information\nregarding the Account to credit bureaus and other creditors who inquire of you about my credit standing to the extent authorized by law.\n\nCHANGE OF NAME, ADDRESS OR EMPLOYMENT STATUS\nYou will send my monthly statements and Account notices to the address shown in your records. I understand and agree that I must report to\nyou any change in my name, address or employment status. I must send you this information 21 days before the date a billing cycle closes in\norder to receive my monthly statement to my new address.\n\nACCURACY OF INFORMATION\nThe information provided in my request for credit (application) is accurate, and I will notify you in writing immediately if there is a change in my\nfinancial condition. You may retain the application. I understand that it is a violation of Section 1014, Title 18, US Code to make false statements\nor over value security for the purpose of influencing the action of any federally-insured credit union.\n\nAUTHORIZED USER\nI agree not to allow access to my Card, Account number, or personal identification number (PIN) to anyone else to use my Account, except by\nasking you to issue a card to grant Account access to another person. If I allow access to my Card or Account information, I will be liable for any\ntransactions conducted by that person, unless and except as expressly required by applicable law. I agree to be responsible for all Account\ntransactions made by anyone who I have authorized by:\n\n1.\n\nAsking you to issue a Card to grant Account access to another person,\n\n2.\n\nLending my Card to or\n\n3.\n\nAllowing Account access by another person, or any other way in which I would be legally considered to have allowed another person\nto use my Account or to be legally prevented from denying that I did so.\n\nOnce I allow authority to any authorized user I cannot limit that authority unless my Account is closed to future transactions. I, as a primary\nuser, must call or write you with any request to cancel and revoke a person\xe2\x80\x99s authority. Any individual I authorize has no right to make any\nAccount changes. Authorized users of this account may have the same access to information about the account and its users as me. First Tech\nmay send account materials (cards, statements and notices) to any liable party, and that person will be responsible for delivering those\nmaterials to the other liable parties and authorized users. Notice to any of us will be considered notice to all of us. If any person uses the Card,\nsuch use indicates his or her agreement to pay First Tech, and you may, at your discretion, pursue the person for payment of any Outstanding\nBalance or any other charges they authorize. I agree to notify each authorized person that they are subject to all applicable sections of this\nAgreement.\n\nCOPY RECEIVED\nI acknowledge receipt of a copy of this Agreement and Disclosure Statement Addendum and agree to accept its terms.\nNOTICE: See the statement below for important information regarding my right to dispute billing errors.\n\nPage 8 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\n\nMy Billing Rights: Keep This Document for Future Use\nThis notice tells me about my rights and your responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If I Find A Mistake On My Statement\nIf I think there is an error on my statement, I must send you a secure message through online banking or write to you at:\nMember Services\nPO Box 2100\nBeaverton, OR 97075-2100\nIn my letter online-banking message, I must give you the following information:\n\xe2\x80\xa2\nAccount information: My name and account number\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error\n\xe2\x80\xa2\n\nDescription of problem: If I think there is an error on my bill, describe what I believe is wrong and why I believe it is a mistake.\n\nI must contact you:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on my statement.\nAt least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong.\n\nI must notify you of any potential errors in writing. I may call you, but if I do, you are not required to investigate any potential errors and I may\nhave to pay the amount in question.\n\nWhat Will Happen After You Receive My Letter\nWhen you receive my letter, you must do two things:\n1.\n\nWithin 30 days of receiving my letter, you must tell me that you received my letter. You will also tell me if you have already\n\n2.\n\ncorrected the error.\nWithin 90 days of receiving my letter, you must either correct the error or explain to me why you believe the bill is correct.\n\nWhile you investigate whether or not there has been an error:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nYou cannot try to collect the amount in question or report me as delinquent on that amount.\nThe charge in question may remain on my statement, and you may continue to charge me interest on that amount.\nWhile I do not have to pay the amount in question, I am responsible for the remainder of my balance.\nYou can apply any unpaid amount against my credit limit.\n\nAfter you finish your investigation, one of two things will happen:\n1.\n\nIf you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount.\n\n2.\n\nIf you do not believe there was a mistake: I will have to pay the amount in question, along with applicable interest and fees. You will\nsend me a statement of the amount I owe and the date payment is due. You may then report me as delinquent if I do not pay the\namount you think I owe.\n\nIf I receive your explanation but still believe my bill is wrong, I must write to you within 10 days telling you that I still refuse to pay. If I do so,\nyou cannot report me as delinquent without also reporting that I am questioning my bill. You must tell me the name of anyone to whom you\nreported me as delinquent, and you must let those organizations know when the matter has been settled between us. If you do not follow all of\nthe rules above, I do not have to pay the first $50 of the amount I question even if my bill is correct.\n\nMy Rights If I Am Dissatisfied With My Credit Card Purchases\nIf I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to correct the problem\nwith the merchant, I may have the right not to pay the remaining amount due on the purchase.\n\nPage 9 of 10\n\n\x0cFirst Technology Federal Credit Union Platinum MasterCard\xc2\xae Card Agreement\nand Federal Truth-in-Lending Disclosure Statement\nEffective: January 15, 2018\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement you mailed to\nme, or if you own the company that sold me the goods or services.)\n\n2.\n3.\n\nI must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nmy credit card account do not qualify.\nI must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and I am still dissatisfied with the purchase, I may contact you in writing at:\nMember Services\nPO Box 2100\nBeaverton, OR 97075-2100\nWhile you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will tell me your\ndecision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent.\n\nQuestions concerning my MasterCard Card Account with First Technology Federal Credit Union can be directed to the Card Services\nDepartment, PO Box 2100, Beaverton, OR 97075- 2100 or by calling 855.855.8805, Monday - Friday, 6am to 6pm, Pacific Time.\n\nPage 10 of 10\n\n\x0c'