b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVISA PLATINUM/VISA PLATINUM REWARDS/VISA\nSIGNATURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum Secured\n\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n\n9.74% , 10.74% , 11.74% , 14.74% or 16.74%\n\n,\nwhen you open your account, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\nVisa Signature\n\n10.74% , 11.74% or 14.74%\n\n, when you open your account,\nbased on your creditworthiness. This APR will vary with the market based\non the Prime Rate.\nAPR for Balance Transfers\n\nVisa Platinum Secured\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n9.74% , 10.74% , 11.74% , 14.74% or 16.74% , when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nAPR for Cash Advances\n\nVisa Signature\n10.74% , 11.74% or 14.74% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n9.74% , 10.74% , 11.74% , 14.74% or 16.74% , when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nVisa Signature\n10.74% , 11.74% or 14.74% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00910226-MXC10-P-1-121719 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Platinum Secured\n17.90%\nVisa Platinum Rewards\n17.90%\nVisa Signature\n17.90%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee - Visa Platinum Secured\n- Annual Fee - Visa Platinum Rewards,\nVisa Signature\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee - Visa Platinum\nSecured, Visa Platinum Rewards\n- Cash Advance Fee - Visa Signature\n- Foreign Transaction Fee - Visa Platinum\nSecured, Visa Platinum Rewards\n- Foreign Transaction Fee - Visa\nSignature\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n$25.00\nNone\n\nNone\n$5.00 or 2.00% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $500.00)\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $500.00)\n1.00% of each transaction in U.S. dollars\nNone\n\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: July 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum Secured, Visa Platinum Rewards and Visa Signature are secured\ncredit cards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or\njoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account\nthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have\nwith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00910226-MXC10-P-1-121719 (MXC101-E)\n\n\x0cduring any periods when you are a covered borrower under the Military Lending Act your credit card will be\nsecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any\nindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you\nestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a\npayment.\nAnnual Fee - Visa Platinum Secured:\n$25.00.\nCash Advance Fee (Finance Charge) - Visa Platinum Secured, Visa Platinum Rewards:\n$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.\nCash Advance Fee (Finance Charge) - Visa Signature:\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$27.00 or the amount of the returned convenience check, whichever is less.\nCard Replacement Fee:\n$10.00.\nDocument Copy Fee:\n$2.00 per document.\nPay-by-Phone Fee:\n$10.00.\nRush Fee:\n$50.00 second day.\nStatement Copy Fee:\n$5.00 per page.\nConvenience or Balance Transfer Check Stop Payment Fee:\n$35.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00910226-MXC10-P-1-121719 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA PLATINUM REWARDS/VISA\nSIGNATURE\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to 121 Financial Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nVisa Platinum - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cVisa Platinum Rewards - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due\nDate.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\nVisa Signature - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nPage 2 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts of the state of Florida.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 40769,\nJacksonville, FL, 32203 or call Us at 800-449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nPage 3 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cstanding. We 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.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nFlorida.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\nPage 4 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0c32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected 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\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis 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\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\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\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses 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 or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cCREDIT CARD\nAPPLICATION\nThere are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this\napplication or by calling us toll-free or collect at\nor writing to us at the address stated on this application.\nCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.\nIndividual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if\n1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)\n2. your spouse will use the account, or\n3. you are relying on your spouse\'s income as a basis for repayment. If you are relying on income from alimony, child support, or separate\nmaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.\nJoint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant\nbox.\nCredit Card Account:\nIndividual\nJoint\nIf this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):\nApplicant\n\nDate\n\nCo-Applicant\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nIf Authorized User, Name:\n\nCredit Limit Requested $\n\nGuarantors Complete OTHER section below.\n\nAPPLICANT\n\nOTHER\n\nNAME (Last - First - Initial)\n\nNAME (Last - First - Initial)\n\nCO-APPLICANT\n\nSPOUSE\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\n\nAGES OF DEPENDENTS\n\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\n\nOWN\n\nRENT\n\nAGES OF DEPENDENTS\n\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nLENGTH AT RESIDENCE\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nRENT\n\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nSEPARATED\n\nEMPLOYMENT/INCOME\nEMPLOYMENT STATUS\n\nRENT\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nMORTGAGE BALANCE\n\nMARRIED\n\nRENT\n\nLENGTH AT RESIDENCE\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nOTHER\n\nGUARANTOR\n\nFULL TIME\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nMARRIED\n\nSEPARATED\n\nEMPLOYMENT/INCOME\n\nSTART DATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\n\nUNMARRIED (Single - Divorced - Widowed)\n\nPART TIME\n\nINTEREST RATE\n\nEMPLOYMENT STATUS\n\nFULL TIME\n\nUNMARRIED (Single - Divorced - Widowed)\nSTART DATE\nPART TIME\n\nNAME AND ADDRESS OF EMPLOYER\n\nNAME AND ADDRESS OF EMPLOYER\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\n$\n\n$\n\n$\n\n$\n\nTITLE/GRADE\n\nSOURCE\n\nTITLE/GRADE\n\nSOURCE\n\nPER\n\nPER\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nSTARTING DATE\n\nSTARTING DATE\n\n\xc2\xa9 CUNA Mutual Group 2016 All Rights Reserved\n\nENDING DATE\n\nENDING DATE\n\n00910226-AXX00-C-1-071117 (AXX001-E)\n\n\x0cMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nCONSENT TO CONTACT\nBY SIGNING BELOW, YOU AUTHORIZE 121 FINANCIAL CREDIT UNION TO DELIVER OR CAUSE TO BE DELIVERED TO YOU AT THE\nTELEPHONE NUMBERS PROVIDED ABOVE, ADVERTISING AND TELEMARKETING CALLS AND TEXT MESSAGE(S) USING AN AUTOMATIC\nTELEPHONE DIALING SYSTEM AND/OR AN ARTIFICIAL OR PRERECORDED VOICE. YOU ARE NOT REQUIRED TO SIGN THIS\nAUTHORIZATION OR ENTER INTO THIS AGREEMENT AS A CONDITION OF PURCHASING ANY PROPERTY, GOODS OR SERVICES. You may\nwithdrawal the consent provided herein at any time by providing written notice to us at Attn: Risk Management, PO Box 40769, Jacksonville, Fl 32203,\nby email at ask121@121fcu.org, via phone at 904-723-6300 or by any other reasonable means.\n\nApplicant\xe2\x80\x99s Signature\n\nDate\n\nOther Signature\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nBy executing this application, you agree we and/or our third-party vendors (including debt collectors) may contact you by telephone or text message at\nany telephone number associated with your account, including wireless telephone numbers (i.e. cell phone numbers) which could result in charges to\nyou, in order to service your account or collect any amounts owed to us, excluding any contacts for advertising and telemarketing purposes as\nprescribed by law. You further agree methods of contact may include use of pre-recorded or artificial voice messages, and/or use of an automatic dialing\ndevice. You may withdraw the consent to be contacted on your wireless telephone number(s) at any time by written notice to us at Attn: Risk\nManagement, PO Box 40769, Jacksonville, FL 32203, by email to ask121@121fcu.org, via phone at (904) 723-6300 or by any other reasonable means.\nIf you have provided a wireless telephone number(s) on or in connection with this application, you represent and agree you are the wireless subscriber\nor customary user with respect to the wireless telephone number(s) provided and have the authority to give this consent. Furthermore, you agree to\nnotify us of any change to the wireless telephone number(s) for which you are providing your consent to be contacted. You agree to indemnify us and\nour third-party vendors, and hold us and our third-party vendors, harmless, from and against any and all losses, claims, damages, liabilities, costs of\nexpenses (including attorney\xe2\x80\x99s fees) that arise out of your breach of any of the foregoing representations and agreements.\nIn order to help mitigate harm to you and your account, we may contact you on any telephone number associated with your account, including a wireless\ntelephone number (i.e. cell phone number), to deliver to you any messages related to suspected or actual fraudulent activity on your account, data\nsecurity breaches or identity theft following a data breach, money transfers, or any other exigent messages permitted by applicable law. These contacts\nwill not contain any telemarketing, cross-marketing, solicitation, advertising, or debt collection message of any kind. The contacts will be concise and\nlimited in frequency as required by law. You will have an opportunity to opt-out of such communications at the time of delivery.\n\nSTATE LAW NOTICE(S)\nNotice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any\nmisunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial\naccommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for\nany or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must\nbe in writing to be effective.\nNotice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing\nof credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,\nand that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nNotice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under\nSection 766.70 will adversely affect the rights of 121 Financial Credit Union unless 121 Financial Credit Union is furnished a copy of the agreement,\nstatement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying\nfor this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the\nundersigned.\nSignature for Wisconsin Residents Only\n\nDate\n\nX\n\n(Seal)\n\n00910226-AXX00-C-1-071117 (AXX001-E)\n\n\x0cCONSENSUAL SECURITY INTEREST\nYou grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure\nyour credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law\nif given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares\nunless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,\nif you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nBy signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition\nfor the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any\nperiods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your\npledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nSIGNATURES\nBy signing or otherwise authenticating below:\n1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will\nnotify us in writing immediately. You authorize 121 Financial Credit Union to obtain credit reports in connection with this application for credit and\nfor any update, increase, renewal, extension, or collection of the credit received. You also authorize 121 Financial Credit Union to investigate and\nverify any information provided in connection with this application including current and previous employment. You understand that 121 Financial\nCredit Union will rely on the information in this application and your credit report to make its decision. If you request, 121 Financial Credit Union will\ntell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully and deliberately provide\nincomplete or incorrect information in this application.\n2. You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card\nAgreement and Disclosure.\nApplicant\xe2\x80\x99s Signature\n\nDate\n\nOther Signature\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nCREDIT UNION USE ONLY\nDATE\n\nAPPROVED\nDECLINED\n\nNUMBER OF CARDS\n\nCREDIT LIMIT\n\nCREDIT CARD NUMBER\n\n$\n\nSignatures\n\nDate\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\n00910226-AXX00-C-1-071117 (AXX001-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA PLATINUM REWARDS/VISA\nSIGNATURE\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to 121 Financial Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nVisa Platinum - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cVisa Platinum Rewards - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due\nDate.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\nVisa Signature - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nPage 2 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts of the state of Florida.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 40769,\nJacksonville, FL, 32203 or call Us at 800-449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nPage 3 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cstanding. We 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.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nFlorida.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\nPage 4 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0c32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected 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\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis 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\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\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\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses 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 or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n00910226-MXC30-P-1-070219 (MXC303-E)\n\n\x0c'


b'15. No Waiver. The Credit Union can delay enforcing any of its rights\nany number of times without losing them.\n16. Statement and Notices. You will receive a statement each\nmonth showing transactions on your account. Statements and notices\nwill be mailed to you at the most recent address you have given us, or\nnotification that your e-statement is ready will be emailed to the most\nrecent email address you have given us. You are responsible for notifying\nthe Credit Union directly of any change of mailing or email address.\n17. Personal Identification Number (PIN). We will furnish you\nwith a Personal Identification Number (PIN). You agree to keep the\nPIN secret. You also agree you won\xe2\x80\x99t write the PIN on the Visa\xc2\xae card or\nanything you keep with the Visa\xc2\xae card. You agree that your use of the\nPIN and Visa\xc2\xae card in getting a cash advance or making a purchase\nconstitutes your signature for purposes of such transaction.\n18. YOUR BILLING RIGHTS\nThis notice contains important information about your rights and\nour responsibilities 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\na transaction on your bill, write us on a separate sheet at the address\nlisted on your bill. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first bill on which the\nerror or problem appeared. You can telephone us, but doing so will\nnot preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nIf you have authorized us to pay your credit card bill automatically\nfrom your savings or checking account, you can stop payment on\nany amount you think is wrong. To stop payment, your letter must\nreach us three business days before the automatic payment is\nscheduled to occur.\n\nYour Rights and Our Responsibilities\nAfter We Receive Your Written Notice\n\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you\nquestion or report you as delinquent. We can continue to bill you for\nthe amount you question, including finance charges, and we can apply\nany unpaid amount against your credit limit. You do not have to pay\nany questioned amount while we are investigating, but you are still\nobligated to pay the parts of your bill that are not in question. If we\nfind we made a mistake on your bill, you will not have to pay any\nfinance charges related to any questioned amount. If we didn\xe2\x80\x99t make\na mistake, you may have to pay finance charges, and you will have to\nmake up any missed payments on the questioned amount. In either\ncase, we will send you a statement of the amount you owe and the\ndate that it is due.\n\nIf you fail to pay the amount that we think you owe, we may report you\nas delinquent. However, if our explanation does not satisfy you and\nyou write to us within ten days telling us that you still refuse to pay, we\nmust tell anyone we report you to that you have a question about your\nbill. We must tell you the name of anyone we report to that the matter\nhas been settled between us when resolved.\nSpecial Rule for Credit Card Purchases\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\nthe problem with the merchant, you may have the right not to pay\nthe remaining amount due on the property or services. There are two\nlimitations on this right:\n1. You must have made the purchase in your home state or, if\nnot within your home state, within 100 miles of your current\nmailing-address area.\n2. The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if\nwe mailed you the advertisement for the property or services.\n19. CURewards\n\xe2\x80\xa2 You will earn one point for each dollar in net purchases. No points\nwill be earned for cash advances, balance transfers or convenience checks.\n\xe2\x80\xa2 You will earn points if you remain a cardholder in good standing and\nyour account is maintained according to the terms of the account.\nIf your account is delinquent or overlimit, you will not accrue points, and we\nhave the option to withdraw points previously earned. Points begin\naccruing again once the account is no longer delinquent or overlimit.\n\xe2\x80\xa2 Points are non-transferable and are forfeited in the event the account\nis closed.\n\xe2\x80\xa2 Points earned from other bonus programs you may be enrolled in at\nanother institution cannot be combined with this program.\n\xe2\x80\xa2 Points earned on Visa\xc2\xae Signature are redeemable for travel,\nmerchandise and cash back rewards.\n\xe2\x80\xa2 Points earned on Visa\xc2\xae Platinum are redeemable for travel,\nmerchandise and gift card rewards.\n\xe2\x80\xa2 Please see Program Rules and Conditions for specific details on\nredemption of points for travel, merchandise or cash. Program Rules\nand Conditions are available by request or at www.CURewards.com.\n\xe2\x80\xa2 Points will expire four years from the end of the calendar year in \t\t\nwhich they are earned, and will expire on a first-in, first-out basis\nannually. (e.g. Points earned in calendar year one will expire on the\nlast business day of calendar year five.)\n\nFederally insured by NCUA. Equal Housing Opportunity\n\n12/14 M-111207\n\nVISA\xc2\xae SIGNATURE AND VISA\xc2\xae PLATINUM\nAGREEMENT AND DISCLOSURE\nIn this Agreement the words you and your mean each and all of those\nwho signed the application and any or all individuals you authorize to\nuse this card. Card means a Visa\xc2\xae credit card and any duplicates and\nrenewals the Credit Union issues. Account means your Visa\xc2\xae credit card\nline or credit account with the Credit Union. Credit Union means the\nCredit Union whose name appears on this application, agreement or\ncredit disclosure statement.\n1. Using the Account. If you are approved for a Visa\xc2\xae account, the\nCredit Union will establish a line of credit for you and notify you of\nits amount when the card is sent to you. You agree not to let your\naccount balance exceed your approved credit limit. Each payment you\nmake on the account will restore your credit limit by the amount of\nthe payment, which is applied to the principal amount of purchases\nand cash advances. You may request an increase in your credit limit\nby calling 800-232-3642. The new limit must be approved by the\nCredit Union. The Credit Union has the right to reduce or terminate\nyour credit limit at anytime.\n2. Using the Card. You may use the card issued to you to make purchases,\nnot to exceed your available credit line on your Visa Signature Card, or\nnot to exceed either your available credit line or $10,000, whichever is\nless, on your Visa Platinum Card in person, and by mail or telephone\nfrom merchants and others who accept Visa cards. In addition, you\nmay obtain cash advances from the Credit Union, and from other\nfinancial institutions participating in the Visa program, not to exceed\nyour available credit line on your Visa Signature Card, or not to exceed\neither your available credit line or $5,000, whichever is less, on your\nVisa Platinum Card. You will need to use your Personal Identification\nNumber (PIN) to obtain a cash advance from an ATM. You may not use\nthe card for any illegal or unlawful transaction, and we may decline\nto authorize any transaction that we believe poses an undue risk of\nillegality or unlawfulness.\n3. Responsibility. You agree to pay all charges (purchases and cash\nadvances) to your account made by you or anyone who you authorized\nto use your account. Your obligation to pay the amount owed on your\naccount continues until paid in full even though an agreement, divorce\ndecree or other court judgment to which the Credit Union is not a party\nmay direct someone else to pay the account balance. If more than one\nperson signed the application, each is individually responsible for all\namounts owed on the account and all are jointly responsible for all\namounts owed. This means the Credit Union can enforce this Agreement\nagainst any of you individually or all of you together.\n4. Finance Charges. Separate finance charges for purchases and\ncash advances are determined by multiplying the periodic rate by the\nseparate average daily balances for purchases and cash advances. Each\naverage daily balance is determined by taking the beginning balance\n\n\x0c(of cash advances or purchases) in your account each day, adding\nany new purchases or cash advances (whichever is applicable) and\nsubtracting any payments or credits. The results are the daily balances.\nAll the daily balances for the statement cycle are added and the total\nis divided by the number of days in the statement cycle to arrive at the\naverage daily balance for the cycle. Cash advances are always subject\nto a Finance Charge from the date of the transaction.\n(a) Finance Charge. The finance charge will be figured\nby applying the monthly periodic rate to the average daily\nbalance of Purchases and Cash Advances. Your Annual\nPercentage Rate (APR) is determined based on your creditworthiness and will be provided to you separately in writing\nat the time your credit card is approved.\nSignature APR = Prime + Margin\nPrime Rate + 5.00%\nPrime Rate + 6.00%\nPrime Rate + 8.00%\nPrime Rate + 10.00%\nPrime Rate + 12.00%\nPlatinum APR = Prime + Margin\nPrime Rate + 5.74%\nPrime Rate + 5.74%\nPrime Rate + 6.50%\nPrime Rate + 9.00%\nPrime Rate + 11.00%\nRates are variable and subject to change. Maximum APR is\n18.00%. Your APR will be calculated by adding a margin from\nabove to the Prime Rate as correctly published in the Wall\nStreet Journal as of the 15th day of the month immediately\npreceding the billing cycle. The Credit Union may adjust\nthe rate once each month effective the first day of the billing\ncycle. APR changes will reflect on the following month\xe2\x80\x99s\nstatement.\n(b) How to Avoid Paying Interest on Purchases. A Finance\nCharge will be imposed on Purchases posted during a Billing\nCycle when the Previous Balance is not paid in full within the\nfirst 25 days of the Billing Cycle. A Finance Charge will also\nbe imposed on Purchases included in the New Balance when\nthe New Balance is not paid in full within 25 days after the\nClosing Date.\n(c) Paying Interest. A Finance Charge will be imposed on\nCash Advances from the date of the transaction to date paid.\nThe Finance Charge accrued on the Cash Advances between\nthe Closing date of the billing cycle and the date your\naccount is credited will appear on your next statement. There\nis no time period within which to pay to avoid Finance Charges\non cash advances.\n\n5. Monthly Payment. Each month you must pay at least the minimum\npayment shown on your statement by the date specified on your\nmonthly statement. You may pay more frequently, pay more than the\nminimum payment, or pay the Total New Balance in full. If you make\nextra payments or larger payments, you are still required to make at\nleast the minimum payment each month your account has a balance.\nYour minimum payment required each month is disclosed in the\nSchumer Box information that was sent with your card, as well as on\nyour periodic statement under \xe2\x80\x9cPayment Information.\xe2\x80\x9d In addition, at\nany time your Total New Balance exceeds your credit limit, you must\nimmediately pay the amount over your credit limit.\n6. Default. You will be in default if you fail to make any minimum\npayment or other required payment by the date that it is due. You will\nbe in default if you break any promise you make under this Agreement.\nYou will be in default if you die, file for bankruptcy or become insolvent,\nthat is, unable to pay your obligations when they become due. You\nwill be in default if you make any false or misleading statements in\nany credit application or credit update. You will also be in default if\nsomething happens which the Credit Union believes may substantially\nreduce your ability to repay what you owe. When you are in default, the\nCredit Union has the right to demand immediate payment of your full\naccount balance without notice. If immediate payment is demanded,\nyou will continue to pay a finance charge, at the periodic rate charged\nbefore default, until what you owe has been paid, and any shares that\nwere given as security will be applied toward what you owe. To the\nextent permitted by law, you will also be required to pay the Credit\nUnion\xe2\x80\x99s collection expenses, including court costs and reasonable\nattorneys\xe2\x80\x99 fees.\n7. Liability for Unauthorized Use. Unless you have been grossly\nnegligent or have engaged in fraud, you will not be liable for any\nunauthorized transactions using your lost or stolen card. This limit on\nliability does not apply to ATM transactions or to transactions using\nyour Personal Identification Number (PIN) which are not processed\nby Visa\xc2\xae, or to commercial cards. If you are liable for unauthorized\ntransactions, your liability will not exceed $50. In addition, even in\nthese circumstances you will not be liable for unauthorized transactions\nthat occur after you notify us orally or in writing, of the loss, theft, or\npossible unauthorized use.\n8. Lost Card Notification. If you believe the Card or PIN has been lost\nor stolen or that someone has transferred money from your account\nwithout your permission, call 1-866-820-5852 or write:\nCustomer Service\nP. O. Box 31112\nTampa, FL 33631-3112\n9. Changing or Terminating Your Account. The Credit Union\nmay change the terms of the Agreement from time to time\nafter giving you any advance notice required by law. Your use of\nthe card after the effective date of the new terms as stated in the\nnotification will indicate your agreement to the change. You will have\nthe option to close your account if you do not agree with the new\nterms. If you close your account, your minimum payments may be\naffected. The change will apply only to your future transactions.\nEither the Credit Union or you may terminate this Agreement at any\ntime, but termination by you or the Credit Union will not affect your\nobligation to pay the account balance plus any finance and other\n\ncharges you owe under this Agreement. The cards you receive remain\nthe property of the Credit Union and you must recover and surrender\nto the Credit Union all cards upon request or upon termination of this\nAgreement whether by you or the Credit Union.\n10. Credit Information. You authorize the Credit Union to investigate\nyour credit standing when opening or reviewing your account. You\nauthorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit\nstanding.\n11. Returns and Adjustments. Merchants and others who honor the\ncard may give credit for returns or adjustments, and they will do so\nby sending the Credit Union a credit slip which will be posted to your\naccount. If your credits and payments exceed what you owe the Credit\nUnion, the amount will be applied against future purchases and cash\nadvances. If the amount is less than $5 or more than $500, it will be\nrefunded upon your written request. If the amount is between $5 and\n$500, a credit refund check will automatically be mailed to the address\non record after two consecutive months of no account activity.\n12. Foreign Transactions. Purchases and cash advances made in\nforeign countries and foreign currencies will be billed to you in U.S.\ndollars. The conversion rate to dollars will be made in accordance with\nthe operating regulations for international transactions established\nby Visa\xc2\xae International, Inc. \xe2\x80\x9cEffective April 2, 2005, the exchange rate\nfor international transactions will be a rate selected by Visa\xc2\xae from the\nrange of rates available in wholesale currency markets, which may\nvary from the rate Visa\xc2\xae itself receives, or the government-mandated\nrate in effect for the applicable central processing date, plus 1.00%.\xe2\x80\x9d\nCross-Border Transaction Fee: In addition, Visa\xc2\xae charges the Credit\nUnion a Cross-Border Assessment up to 1.00% on each Transaction on\nall Cross-Border Transactions regardless of whether there is a currency\nconversion. For purposes of this section, \xe2\x80\x9cCross-Border Transaction\xe2\x80\x9d\nshall include both (a) Transactions initiated in a foreign country which\nare subsequently settled in the United States, and (b) Transactions\ninitiated in the United States, but which are ultimately settled in a\ncountry outside of the United States. The Credit Union will assess these\nfees to you to reimburse it for the fee it is required to pay for each of\nyour Transactions subject to these terms. The Cross-Border Transaction\nFee will be shown separately on your periodic billing statement.\nThe Currency Conversion Fee, if it applies to the transaction, will be\nincluded in the Transaction amount posted on your statement.\n13. Merchant Disputes. The Credit Union is not responsible for the\nrefusal of any merchant or financial institution to honor the card. The\nCredit Union is subject to claims and defenses (other than tort claims)\narising out of goods or services you purchase with the card if you have\nmade a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was\nmade in response to an advertisement the Credit Union sent or\nparticipated in sending to you; or (b) your purchase cost more than\n$50 and was made in your state or within 100 miles of your home.\n14. Effect of Agreement. This Agreement is the contract which\napplies to all transactions on your account even though the sales,\ncash advances, credit or other slips you sign or receive may contain\ndifferent terms. You agree to all the terms and charges contained in\nthe \xe2\x80\x9cCredit Disclosures.\xe2\x80\x9d\n\n\x0c'


b'Centra Credit Union Credit Card Disclosures\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases, Cash Advances and\nBalance Transfers\nThe YOU Card - Visa\xc2\xae Signature _________________________________\n\nVisa\xc2\xae Platinum ______________________________________________\n\nVisa\xc2\xae Platinum Secured _______________________________________\n\n0.00% Introductory APR for the first 6 months.\n8.25% to 15.25% APR after first 6 months.\n3.70% Introductory APR for the first 6 months.\n8.99% to 14.25% APR after first 6 months.\n8.99% to 14.25% APR\nAPRs will vary with the market based on the Prime Rate and credit\nworthiness.\n\nHow to avoid paying interest on purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\ndo not charge you interest on purchases if you pay your entire balance\nby the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the Consumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore.\n\nFees\nMaintenance and Set-up Fees\nAnnual Fee\nAdditional Card Fee\n\nNone\nNone\n\nTransaction Fees\nBalance Transfer Fee\nCash Advance Fee\nForeign Transaction Fee\n\n$10 or 2% of the amount of each balance transfer, whichever is less.\n$10 or 2% of the amount of each cash advance, whichever is less.\n$10 or 1% of each transaction in U.S. dollars, whichever is less.\n\nPenalty Fees\nLate Payment Fee\nReturned Payment Fee\n\nUp to $18 will be assessed 10 days after due date on Visa Platinum\nand Visa Platinum Secured, 15 days after due date on The YOU Card.\nNone\n\nOther Fees\nRush Fee\n\n$20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including current transactions)\xe2\x80\x9d. See your account\nagreement under Finance Charge for more details.\nThe minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than $20 plus the\namount of any unpaid prior payments due. Payments of $10,000 or greater may not be a part of your available credit for three (3) business days.\nYour payment is due on the 21st of the month.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the\nIndex and will be determined by the Prime Rate on the 15th day of the month prior to the last calendar date of the current billing cycle of each\nyear as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater\nthan 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on\nthe statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\n\nrevised 03/16/2020\n\n\x0c'