b'SERVICE FEES\nACH ORIGINATION SERVICE\nACH fees will be assessed in accordance with Member\xe2\x80\x99s\napplicable ACH Agreement.\n\nOTHER SERVICE\nFEES Business Bill Pay\nBelow are pass through fees that are charged by vendors of\nRoyal Credit Union for services and other items. There will be\nno charge for any item if needed to correct a Royal error.\n\nATM/DEBIT CARD FEES\nSome non-Royal Credit Union no fee terminal owners may\nimpose additional transaction fees, which will be posted at that\nterminal\n\xe2\x80\xa2 Overdraw account through use of card1\no Transaction $0.01 - $10.00\no Transaction $10.01 or greater\n\n$30.00\n\n\xe2\x80\xa2 Attempt to use closed card or card reported lost or stolen\n\xe2\x80\xa2 International Service Assessment\n\n1% of transaction amount\n\n$10.00\n\n\xe2\x80\xa2 Per Outgoing - plus any pass-through fees from other\nfinancial institutions\n\xe2\x80\xa2 Incoming - (Royal receives item for collection)\nCall Center Fees\n\nCHECKING AND MONEY MARKET ACCOUNT SERVICE FEES\n\n\xe2\x80\xa2 Loan payment via debit card\n\n\xe2\x80\xa2 100 checks\n\xe2\x80\xa2 Age 55+ price (100 checks)\n\n$17.00\n$8.00\n\n\xe2\x80\xa2 50 checks\n\n$8.00\n\nDeposit Ticket and non-standard check fees - May vary\naccording to market price\nCourtesy Pay and Debit Card Coverage (Paid NSF)1\n\n$10.00\n$30.00\n\n$1.00\n\nNon-Sufficient Funds (NSF) Fee1\n\xe2\x80\xa2 Per item fee (Checking, Savings, Money Market, HSA\naccounts)\no Item $0.01 - $10.00\no Item $10.01 or greater\n\xe2\x80\xa2 Over the Limit Fee per item fee (HELOC)\no Item $0.01 - $10.00\no Item $10.01 or greater\n\n$10.00\n$30.00\n$10.00\n$30.00\n\nSmart Checking Plus\n\xe2\x80\xa2 Per month fee if balance falls below $700.00 minimum at any\n$10.00\ntime during the month\n\nVISA SERVICE FEES\nPrepaid Visa\n\xe2\x80\xa2 Processing fee per card\n\xe2\x80\xa2 Inactivity Fee after 12 months of inactivity\n\n$2.50\n$2.95\n\nRoyal Consumer & Commercial Rewards Visa Credit Card\n\xe2\x80\xa2 Cash Advance Fee-3% of transaction amount with minimum of\n$10.00 (maximum)\n$75.00\n\xe2\x80\xa2 Minimum Finance Fee\n$0.50\n\xe2\x80\xa2 Late Payment Fee (maximum)\n$35.00\n\xe2\x80\xa2 NSF check or ACH transaction returned (maximum)\n$35.00\n\xe2\x80\xa2 Over the limit fee (Commercial only)\n\n$10.00\n\n\xe2\x80\xa2 International Service Assessment\n\n2% of transaction amount\n\n$10.00\n$10.00\n$10.00\n\nConsumer Online Fees\n\xe2\x80\xa2 Loan payment via debit card\n\n$10.00\n\nGarnishment Fee\n\xe2\x80\xa2 Per garnishment processed\nMunicipal or Bond Coupon\n\n$25.00\n\n\xe2\x80\xa2 Per envelope\nReturned Direct Payment Authorization\n\n$8.50\n\n\xe2\x80\xa2 For all returned items\nSafe Deposit Box Annual Fees\n\n$4.00\n\n\xe2\x80\xa2 3\xe2\x80\x99\xe2\x80\x99 x 5\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 3\xe2\x80\x99\xe2\x80\x99 x 10\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 5\xe2\x80\x99\xe2\x80\x99 x 5\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 5\xe2\x80\x99\xe2\x80\x99 x 10\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 6\xe2\x80\x99\xe2\x80\x99 x 10\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 9\xe2\x80\x99\xe2\x80\x99 x 10\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 10\xe2\x80\x99\xe2\x80\x99 x 10\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 10\xe2\x80\x99\xe2\x80\x99 x 15\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 15\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99 x 22\xe2\x80\x99\xe2\x80\x99\n\xe2\x80\xa2 Replacement Key\n\xe2\x80\xa2 Drilling of box - ask for current cost\n\xe2\x80\xa2 No insurance coverage is provided on box content\nTax Levy Fee\n\xe2\x80\xa2 Per tax levy processed\nWire Transfers\n\xe2\x80\xa2 Domestic Outgoing\n\xe2\x80\xa2 International Wire Transfers (Businesses Only)\n\n$20.00\n$40.00\n$30.00\n$50.00\n$60.00\n$75.00\n$85.00\n$120.00\n$150.00\n$30.00\n\n$25.00\n$5.00\n$35.00\n\n1. Fee is charged for each presentment or submission. You will be charged\na Courtesy Pay, Debit Card Coverage, or NSF fee when we return,\nreject, or pay transactions against your account that would exceed your\navailable balance. A transaction that you have authorized (such as a\ncheck or an ACH debit) may be presented or submitted multiple times\nand you could be charged multiple NSF fees if we return or reject the\ntransaction multiple times (and a Courtesy Pay or Debit Card Coverage\nfee if the transaction is paid).\n\n* Will charge for machine receipts, together with hourly fees for\nsearching our records - Fees according to our then current fee\nschedule but will not charge if the request is a billing error under\nthe Fair Credit Billing Act\nSERVICE FEES SUBJECT TO CHANGE WITHOUT NOTICE.\n\n841 10/05 (Rev. 04/21)\n\n$5.00\n$10.00\n$19.95\n$24.95/$14.95\n\nCollection Items\n\nCheck Printing Fee - For Royal Exclusive Checks\n\nInactive Account Fee\n\xe2\x80\xa2 Per month fee to Members age 18+ with Savings or\nChecking Accounts of $25 or less, inactive for 6 months or\nmore and with no other active services on that account.\n\n$25.00\n\n$65.00\n\n* Will charge for copies of drafts and machine receipts,\ntogether with hourly fees for searching our records - Fees\naccording to our then current fee schedule but will not charge\nif the request is a billing error under the Fair Credit Billing Act\n\n\xe2\x80\xa2 Per item fee (This fee may be created by checks, in-person\nwithdrawals, ATM withdrawals, check card transactions, debit\ncard transactions or by electronic means.)\no Item $0.01 - $10.00\no Item $10.01 or greater\n\n\xe2\x80\xa2 Proof of payment not necessitated by a dispute\n\xe2\x80\xa2 Payments returned due to Member error\n\xe2\x80\xa2 ACH Return Fee\n\xe2\x80\xa2 Overnight Fee (Business Bill Pay)\n\xe2\x80\xa2 Second Day Fee (Consumer Bill Pay/Business Bill Pay\n\nPO Box 970, Eau Claire, WI 54702-0970 \xe2\x97\x8f 800-341-9911 \xe2\x97\x8f rcu.org\n\n\x0c'


b"8/30/2021\n\nPlatinum Rewards Visa\xc2\xae Credit Card\n\nHOME / LOANS & CREDIT / CREDIT\n\nPlatinum Rewards Visa\xc2\xae Credit Card\nOur credit card has one low rate for everyone and no-fee balance transfers at any time\nAPPLY NOW\n\nCall us at 800-341-9911 or visit an office\n\nGet one of the best interest rates around with our Platinum Rewards Visa\xc2\xae Credit\n\nRelated Products\n\nCard.\n\nMembers who have this\n\nYou can enjoy the ability to pay anywhere with Visa\xc2\xae and earn rewards with every\npurchase.\nOur credit card is fully compatible with digital wallets like Apple Pay\xe2\x84\xa2 and Google Pay\xe2\x84\xa2.\nThere are also no annual fees and no balance transfer fees.\nIt\xe2\x80\x99s a smart way to spend that can even help keep your credit score healthy.\n\nA Smarter Way To Spend\nEarn points on purchases with uChoose Rewards\xc2\xae\nNo annual fee\n\noften benefit from:\n\xef\x81\x94\xef\x81\x94\n\nChecking Accounts\n\n\xef\x81\x94\xef\x81\x94\n\nPersonal Loans\n\nContact Us\nOur team is ready to help\nFull Name*\n\nEmail*\n\nNo balance transfer fee\n2% or $25 minimum monthly payment\n\nHow can we help?\n\nFree Tech Features\nApple Pay\xc2\xae, Google Play\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 compatible*\nEasier online ordering with Visa Secure Remote Commerce\nFree online banking and mobile app\n\nCredit Card Benefits\nExtended warranty protection** and purchase security**\nTravel and emergency assistance services^\nhttps://www.rcu.org/loans-credit/credit/platinum-credit-card\n\nreCAPTCHA\nI'm not a robot\nreC\nPriva\n\nNeed help?\nSUBMIT\nAsk Val\xe2\x84\xa2!\n\n1/4\n\n\x0c8/30/2021\n\nPlatinum Rewards Visa\xc2\xae Credit Card\n\nRoadside dispatch\xc2\xae^\nThe Royal Credit Union Platinum Rewards Visa\xc2\xae card includes ID Navigator Powered by\nNortonLifeLock, providing tools so cardholders can act quickly if their identity is\nthreatened\n\nCurrent Platinum Rewards Visa\xc2\xae Credit Card Rate\nProduct\nPlatinum Rewards Visa\xc2\xae Credit Card\n\nAPR1\n7.75%\n\nMonthly Payment\ngreater of 2% of balance or $25.00\n\nAPPLY NOW\n\nLost Or Stolen Card?\nLearn what to do if your card is lost or stolen\n\nTraveling Soon?\nIf you plan to travel outside your normal spending area, please help our fraud detection\nteam by letting us know using a travel memo.\nLearn how to set a travel memo\n\nHelpful Information\nGet help making a payment, redeem your rewards, or try one of the calculators below.\nSee how to make a payment or redeem uChoose\xc2\xae rewards\nCalculate how long will it take to pay off my credit card\nCalculate how soon you can eliminate debt\n\nEducation & Resources\n\nHELP & HOW TO\nhttps://www.rcu.org/loans-credit/credit/platinum-credit-card\n\nSAFETY\n\nFINANCIAL EDUCATION\n2/4\n\n\x0c8/30/2021\n\nPlatinum Rewards Visa\xc2\xae Credit Card\n\nAbout ID Navigator\nPowered by\nNortonLifeLock\n\nSecurity & Fraud\n\n5 Steps To Keep Your\nHoliday Spending In\nCheck\n\n* Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other Countries. Apple Pay is a trademark of Apple Inc.\nGoogle Pay is a trademark of Google LLC.\nAvailable on select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or\nfinancial institution to verify supported cards.\n** Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please\nrefer to your Guide to Benefits for more information.\n^ Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information.\n1 APR=Annual Percentage Rate. APR is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin. APR may change after\naccount opening. Rates current as of 4/16/20. Last changed on 4/16/20. Credit card subject to credit approval. Cash advance fee is 3% of transaction\namount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%. No annual fee. Membership required and upon qualification. Refer to\nour disclosures and service fees for more information.\xe2\x80\x8b\n\n800-341-9911\nCorporate Center:\n200 Riverfront Terrace\nEau Claire, WI, 54703\nContact\n\nLocations & ATMs\n\nRoyalty Offers\n\nChecking & Savings\n\nAll Offices\n\nLoans & Credit\n\nRates\n\nInvestments & Retirement\n\nNews\n\nBusiness Banking\n\nCareers\n\nAbout Royal\n\nForms & Documents\n\nEducation & Resources\n\nSchedule Appointment\nPrivacy Notice\nWebsite Terms Of Use And Accessibility Statement\nRouting# 291880411\nMember Service Contact Center Hours:\nWeekdays 8:30 A.M. - 7 P.M.\n\nOPEN AN ACCOUNT\n\nSaturdays 8:30 A.M. - 2 P.M.\nMail Payments To:\nPO Box 970, Eau Claire\n\nNEED A LOAN\n\nWI 54702-0970\n\n\xef\x82\x82\xef\x85\xad\xef\x82\x81\xef\x82\x8c\xef\x90\xb1\xef\x83\x93\n\nhttps://www.rcu.org/loans-credit/credit/platinum-credit-card\n\n3/4\n\n\x0c8/30/2021\n\nPlatinum Rewards Visa\xc2\xae Credit Card\n\nCopyright \xc2\xa9 2021 Royal Credit Union\nEqual Housing Opportunity\nImportant notice regarding use of cookies: By continuing to use this site, you agree to our use of cookies as described in our Privacy\nPolicy.\n\nhttps://www.rcu.org/loans-credit/credit/platinum-credit-card\n\n4/4\n\n\x0c"


b'In no event will the late payment fee exceed the amount\nof the minimum payment due for the applicable\nstatement period.\nRETURNED PAYMENT FEE: We will charge you a\nreturned payment fee each time you send us a payment\nthat is returned unpaid for any reason. We will charge\nyou this fee each time any payment is returned unpaid,\neven if it is paid upon resubmission. The amount of the\nreturned payment fee is set forth in the Additional\nDisclosure. In no event will the returned payment fee\nexceed the amount of the minimum payment due for the\napplicable statement period.\nOVER-THE-CREDIT-LIMIT FEE: You will not be charged\nan Over the Credit Limit Fee when using your Card.\nBALANCE TRANSFER FEE: You will not be charged a\nBalance Transfer Fee.\nFEDEX FEE FOR EXPEDITING LOST, STOLEN, OR\nADDITIONAL CARD: We will charge you a fee for the\nFedEx delivery of your card as set forth in the Additional\nDisclosure.\nTELEPHONE PAYMENT: If you make a telephone\nrequest to make a payment, we will charge a\nTelephone Payment fee as set forth in the Additional\nDisclosure.\nCREDITING OF PAYMENTS: All payments made on\nyour Account at the address designated for payment on\nthe monthly periodic statement, or made to a member\nservice representative at any of our branch offices will\nbe credited to your Account on the date of receipt. If the\ndate of receipt for a mailed payment or a payment made\nat a branch drop box is not a business day, your\npayment will be credited on the first business day\nfollowing receipt. The required minimum payment for your\nAccount will be applied first to collection costs, then to\nany INTEREST CHARGES and other fees due, and then\nto the unpaid principal balance.\nBALANCE TRANSFERS: If you request a balance\ntransfer to be made, you should not rely on a balance\ntransfer to be made by any particular date. Although\nmost balance transfers will be made sooner, it could\ntake up to three weeks before payment to your other\nAccount is made. Accordingly, you should continue to\nmake all required payments on your other accounts until\nyou confirm that the balance transfer has been made.\nBalance transfers may not exceed your available credit.\nBalance transfer requests will be processed in the order\nyou list them on the balance transfer request form or\nadditional sheet if included. If a balance transfer request is\nmore than the available credit limit, we will automatically\nlower the balance transfer amount to your available credit\nand complete the transfer.We will not close your other\naccounts, even if you transfer the entire balance. A balance\ntransfer cannot be used to pay TDECU credit card or loan\nbalances.\n\nIf you want to close your other accounts, you should\ncontact the issuer directly. Transfer of a balance that\ncontains disputed purchases or other charges may cause\nyou to lose any dispute rights you may have with regard\nto those purchases or other charges. There is no grace\nperiod for balance transfers.\nCREDIT INVESTIGATION: In conjunction with your\napplication for credit and, if approved, maintenance of your\nAccount, you agree that we have the right to: (1)\ninvestigate your credit and employment history, (2) verify\nyour credit references, (3) request and use credit reports,\nand (4) report the way you pay your Account to credit\nbureaus and other interested parties. We may report the\nstatus and payment history of your Account to the credit\nreporting agencies each month. You are hereby notified\nthat a negative credit report reflecting on your credit record\nmay be submitted to a credit reporting agency if you fail to\nfulfill the terms of this Agreement. If you believe that the\ninformation we have reported to the credit reporting\nagencies is inaccurate or incomplete, please notify us in\nwriting at Texas Dow Employees Credit Union, 1001 FM\n2004, Lake Jackson, TX 77566-4012. Please include\nyour name, address, home telephone number, and\nAccount number.\nCONVENIENCE CHECKS: The Credit Union may issue\nchecks at our discretion that may be used for any purpose\nother than making payment for credit to your Account. By\nsigning such checks, you authorize us to pay the item for\nthe amount indicated and post such amount as a cash\nadvance to your Account. We do not have to pay any item\nthat would cause the outstanding balance in your Account\nto exceed your credit limit.\nILLEGAL TRANSACTIONS: You may not use your Card or\nAccount for any illegal purpose or unlawful transactions.\nYou agree that we may decline to process any transaction\nthat we believe in good faith to be for an illegal purpose.\nYou agree that we will not be liable for declining to\nprocess any such transaction. If we do process any\ntransaction that ultimately is determined to have been for\nan illegal purpose, you agree that you will remain liable to\nus under this Agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal\nuse of the Card will be deemed an act of default under\nthis Agreement. You further agree to waive any right to\ntake legal action against us for your illegal use of the Card\nand to indemnify, defend, and hold us harmless from and\nagainst any lawsuits, other legal action, or liability that\nresults directly or indirectly from such illegal use.\nFOREIGN TRANSACTIONS: If you effect a foreign\ntransaction with your MasterCard, MasterCard International will\nconvert the charge into a U.S. dollar amount. MasterCard\nInternational will use its currency conversion procedure, which\nis disclosed to institutions that issue MasterCard\ncards.Currently, the currency conversion rate used by\nMasterCard International to determine the transaction amount\nin U.S. dollars for such transactions is generally either a\ngovernment-mandated exchange rate or a wholesale exchange\n\nrate selected by MasterCard International for the\napplicable currency on the day the transaction is\nprocessed, which rate may differ from the applicable\nrate on the date the transaction occurred or when the\ntransaction is posted to your Account.\nSKIP-A-PAYMENT OPTION: From time to time, we may\noffer you the opportunity to skip a payment on your\naccount(s). The offer, if made, will be reflected on your\nperiodic statement as a message informing you that you\ncan skip your payment for that month. Your choice to skip\nthe payment will constitute your acceptance of the offer. As\na result, your payments will resume the following month.\nInterest will continue to accrue at the interest rate in effect\nat that time for the related skip payment period. All other\nprovisions of your credit agreement shall apply following\nthe skipped payment. On a joint account, either member\nacting alone may accept the skip payment. Certain account\nexclusions may apply.\nADDITIONAL PROVISIONS: Each provision of this\nAgreement must be considered part of the total Agreement\nand cannot in any way be severed from it. However, if any\nprovision of this Agreement is finally determined to be void\nor unenforceable under any law, rule, or regulation, all other\nprovisions of this Agreement will remain valid and\nenforceable.\nYou\nunderstand\nthat\nthe\nvalidity,\nconstruction, and enforcement of this Agreement is\ngoverned by the laws of the State of Texas to the\nextent not preempted by applicable federal law, and it\nis performable in Brazoria County, Texas. We do not\nwarrant any merchandise or services purchased by you\nwith the Card. All purchases and cash advances are\nextended at the option of the merchant or cash advancing\nfinancial institution and the Credit Union is not responsible\nfor the refusal of any merchant or financial institution\nto honor your Card. The Card remains our property at\nall times and you agree to immediately surrender the\nCard upon demand. You agree to pay all reasonable\ncosts of collection, including court costs and attorney\xe2\x80\x99s\nfees, and any costs incurred in the recovery of the\nCard. We can accept late payments or partial\npayments, or checks or money orders marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d without losing any of our rights under this\nAgreement. We can also waive or delay enforcing any\nof our rights under this Agreement without losing them.\nYou expressly waive\npresentment\nfor\npayment,\ndemand, protest, and notice of protest and dishonor of\nsame. You agree to give us prompt notice of any\nchange in your name, mailing address, telephone\nnumber or place of employment.\nRECEIPT OF AND AGREEMENT TO TERMS AND\nCONDITIONS OF AGREEMENT: By signing an application\nfor the Card or by using the Card, you agree to all the terms\nand conditions and promise to perform all the obligations,\nrequirements, and duties contained in this Agreement,\nand you acknowledge receipt of a copy of this Agreement.\n\nM-126435\n\nCREDIT CARD AGREEMENT AND DISCLOSURE\nSTATEMENT FOR YOUR MASTERCARD\xc2\xae ACCOUNT\nNotice: Read and retain this copy of your Credit Card\nAgreement and Disclosure Statement for future reference.\nTERMS USED IN THIS AGREEMENT: This Agreement and\nDisclosure\nStatement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d)\ncovers\nyour\nMasterCard\xc2\xae Account (\xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement \xe2\x80\x9cYou\xe2\x80\x9d\nand \xe2\x80\x98Your\xe2\x80\x9d mean any person who applies for or uses the\nCard. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Texas Dow\nEmployees Credit Union (TDECU), the issuer of your\nMasterCard. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you\nor those designated by you under the terms of this\nAgreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by\nyou, or someone authorized by you, to make a purchase or\nan advance whether or not the purchase or advance is\nevidenced by a signed written document. \xe2\x80\x9cUnauthorized use\nof the Card\xe2\x80\x9d means the use of the Card by someone other\nthan you who does not have actual, implied, or apparent\nauthority for such use, and from which you receive no\nbenefit. In this Agreement, any plural terms shall be deemed\nsingular and any singular terms shall be deemed plural when\ncontext and construction so require.\nCONSENSUAL SECURITY INTEREST: You agree to give\nthe Credit Union a security interest in any and all funds on\ndeposit in accounts in which you have an ownership\ninterest, both now and in the future, with the exception of\nretirement accounts or any other accounts that would lose\nspecial tax treatment under state or federal law if given as\nsecurity. The granting of this security interest is a condition\nfor the issuance of any Card that you may use, directly and\nindirectly, to obtain extensions of credit under this\nAgreement. This means that, if you are in default, the\nCredit Union can, without prior notice to you, take funds\nfrom any eligible account(s) in which you have an\nownership interest and apply them as a credit against your\ncredit card Account in any amount available up to the entire\nbalance. Collateral securing other loans you have with the\nCredit Union may also secure this loan.\nEXTENSION OF CREDIT: The Credit Union has established\na MasterCard Account in your name and one or more Cards\nwill be issued to you or to those designated by you. By use\nof the Card or the Account you authorize the Credit Union to\npay for your Account all items reflecting credit purchases\nand cash advances (including balance transfers).\n\n\x0cJOINT APPLICANT LIABILITY: If more than one person\nsigns the application, each of you shall be jointly and\nindividually liable to us for all charges made to the Account,\nincluding applicable fees. In addition, you agree that each of\nyou designates the other as agent for the purpose of\nmaking purchases extended under this Agreement and each\nuse of your Account shall be an extension of credit to all.\nNotice to one of you shall constitute notice to all. Any\ncardholder may close the Account at any time by notifying\nus in writing. However, removal from the Account does not\nrelease you from any liability already incurred.\n\nyour Account to exceed your credit limit as established by\nus or as adjusted from time to time at our discretion.\nNotwithstanding the foregoing, in our discretion we may\nchoose to approve a transaction you have requested that\nwould cause you to exceed your approved credit limit and\nyou will be responsible for such transactions. Each payment\nyou make on the Account will restore your credit limit by\nthat amount of the payment which is applied to the principal\nbalance of purchases and cash advances. The Credit Union\nhas the right to reduce or terminate your credit limit at any\ntime.\n\nCARD SIGNATURE PANEL: Upon receipt of your new or\nreissued Card, you must sign the signature panel on the\nback of the Card. If the signature panel is not signed,\nmerchants are not required to accept your Card.\n\nPROMISE TO PAY: You promise to pay us in U.S. dollars\nfor (a) all purchases, cash advances, and balance transfers\nmade by you or anyone whom you authorize to use the\nCard or Account; (b) INTEREST CHARGES and\nother charges or fees; (c) collection costs and attorney\xe2\x80\x99s\nfees as permitted by applicable law, and any costs\nincurred in the recovery of the Card; and (d) credit in\nexcess of your credit limit that we may extend to you. At the\nend of each monthly billing cycle for which you have a\nbalance on your Account, you will be furnished with a\nperiodic\nstatement\nshowing\n(i)\nthe\n\xe2\x80\x9cPrevious\nBalance\xe2\x80\x9d (the outstanding balance in the Account at the\nbeginning of the billing cycle), (ii) the amount of all cash\nadvances, purchases, balance transfers, late charges,\nINTEREST CHARGES, and other charges or fees posted\nto your Account during the billing cycle, (iii) the amount\nof all payments and credits posted to your Account during\nthe billing cycle, and (iv) the \xe2\x80\x9cNew Balance\xe2\x80\x9d which is the\nsum of (i) and (ii) minus (iii).\n\nOTHERS USING YOUR ACCOUNT: If you allow anyone\nelse to use your Account, you will be liable for all credit\nextended to such persons, even if that person exceeds your\npermission. You promise to pay for all purchases, balance\ntransfers, and cash advances made by anyone you\nauthorize to use your Account, whether or not you notify us\nthat he or she will be using it. If someone else is authorized\nto use your Account and you want to end that person\xe2\x80\x99s\nprivilege, you must notify us in writing, and if he or she has\na Card, you must return the Card with your written notice for\nit to be effective.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable\nfor the unauthorized use of your Card. If you notice the loss\nor theft of your Card or a possible unauthorized use of your\nCard, you should call us immediately at:\n(877) 404-1009\nYou may also write us at:\n\nTDECU\nP O Box 31281\nTampa, Florida 33631-3281\n\nAlthough you may write to notify us of unauthorized use,\ncalling us immediately at the telephone number above is the\nbest way to keep your possible losses down.\nYou are not liable for any unauthorized use of your\nMasterCard once you notify us orally or in writing and as\nlong as you meet the following criteria: (1) you have\nexercised reasonable care with your Card; (2) you have not\nreported two or more incidents of unauthorized use of your\nCard within the previous 12 months; and (3) you have\nmaintained your Account in good standing. MasterCard\xe2\x80\x99s\nzero liability policy does not apply to cash advances\nobtained at an ATM.\nCREDIT LIMIT: We assign a credit limit to your Account. We\nwill notify you of the credit limit when the Card is sent to\nyou. You promise that payments we make for your Account\nresulting from use of the Card will at no time cause the\noutstanding balance of\n\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d\nshown on the monthly periodic statement the entire new\nbalance or a minimum payment equal to 2% of the new\nbalance or $18, whichever is greater, plus any amount\nin excess of the credit limit established by us. If the\nnew balance is $18 or less, you agree to pay it in full. You\nmay make extra payments in advance of the due date\nwithout a penalty, and you may repay any funds\nadvanced, credit extended, or amount outstanding at\nany time without a penalty for early payment. If you\npay more than the minimum payment due in any\nmonth and there is still a balance due, you must\ncontinue\nto\nmake\nminimum payments in future\nmonths. Any partial payment of your account balance\nwill not advance your next payment due date(s).\nCREDIT INSURANCE: Credit insurance is not required for\nany extension of credit under the Agreement. However, if\navailable, you may purchase credit insurance through\nthe Credit Union and have the premium added to\nthe outstanding balance in your Account. If you elect to do\nso, you will be given the necessary disclosures and\ndocuments separately.\nTERMINATION OR CHANGES: The Credit Union may add\nto, delete, or change the terms of this Agreement from time\nto time. Notice of any change will be given in accordance\nwith applicable law. If permitted by law and specified in\nthe notice to you, the change will apply to your existing\nAccount balance as well as to\n\nyour future transactions. Either you or the Credit Union may\nterminate this Agreement at any time, but termination by you\nor the Credit Union will not affect your obligation to pay the\nAccount balance plus any INTEREST CHARGES and other\ncharges you owe under this Agreement. You are also\nresponsible for all transactions made to your Account after\ntermination, unless the transactions were unauthorized. The\nCards and convenience checks you receive remain the\nproperty of the Credit Union and you must surrender to the\nCredit Union all Cards and convenience checks upon\nrequest or upon termination of this Agreement whether by\nyou or the Credit Union.\nDEFAULT: You will be in default: (1) if you fail to make any\npayment on time; (2) if you fail to keep any promises you\nhave made under this or any other agreement with the\nCredit Union; (3) if you are the subject of an order for relief\nunder Title 11 of the U.S. Code (Bankruptcy); (4) if anyone\ntries, by legal process, to take any of your money in the\nCredit Union (5) if you have given the Credit Union false or\ninaccurate information in obtaining your Card; (6) you are\ndeclared incompetent or mentally incapacitated, or you die;\nor (7) if anything happens or any condition exists which the\nCredit Union reasonably believes impairs your ability to\nrepay what you owe.\nACCELERATION: If you are in default, the Credit Union\nmay, without prior notice to you, demand immediate\npayment of the Account balance plus INTEREST\nCHARGES which shall continue to accrue until the entire\namount is paid. You expressly waive any right to notice or\ndemand, including but not limited to, demand upon default,\nnotice of intention to accelerate and notice of acceleration.\nThe Card remains the property of the Credit Union at all\ntimes and you agree to immediately surrender the Card\nupon demand of the Credit Union. You agree to pay all\nreasonable costs of collection, including court costs and\nattorney\xe2\x80\x99s fees imposed, and any cost incurred in the\nrecovery of the Card.\nCOST OF CREDIT: You will pay an INTEREST CHARGE\nfor all advances made against your Account. If your Account\nfeatures an Introductory Rate, you will pay an Introductory\nRate for all advances made against your Account at the\nDaily Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) set forth in the Additional\nDisclosure attached and incorporated into this Agreement.\nAny Introductory Rate applicable to your Account will apply\nfor the time period as set forth in the Additional Disclosure.\nAfter any Introductory Rate period, or if an Introductory Rate\ndoes not apply to your Account, the Standard Rate periodic\nrate for your Account will range from .0218904% per day\nto .0492877% per day, which corresponds to an ANNUAL\nPERCENTAGE RATE ranging from 7.99% to 17.99%. Your\nprecise Standard Rate will be determined by review of your\ncredit report and based on your creditworthiness and is\ndisclosed in the Additional Disclosure. In addition, after your\nAccount is opened, we may review your credit report\nperiodically from time to time at our discretion and adjust\nyour Standard Rate within the ranges above according to\nyour credit score. You will be notified no less than 45 days\nprior to any rate change. Cash advances (including balance\ntransfers)\n\nincur an INTEREST CHARGE from the date they are posted to\nthe Account. If you have paid your Account in full by the due\ndate shown on the previous monthly statement, or there is no\nprevious balance, you have not less than 25 days to repay your\nAccount balance before an INTEREST CHARGE on the\ncurrent purchases will be imposed. If you have not paid your\nAccount in full by the due date shown on the previous monthly\nstatement, you have no grace period in which to repay your\nAccount balance before an INTEREST CHARGE on current\npurchases will be imposed, and such INTEREST CHARGE\nwill begin on the date such purchases are posted to your\nAccount. No additional INTEREST CHARGE will be incurred\nwhenever you pay the Account in full by the Payment Due Date\nshown on your monthly periodic statement.\nThe INTEREST CHARGE is figured by applying the periodic\nrate to the \xe2\x80\x9cbalance subject to INTEREST CHARGE,\xe2\x80\x9d which is\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account, including certain\ncurrent transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is arrived at\nby taking the beginning balance of your Account each day and\nadding any new cash advances (including balance transfers),\nand, unless you pay your Account in full by the due date shown\non your previous monthly statement or there is no previous\nbalance, adding in new purchases, and subtracting any\npayments or credits and unpaid INTEREST CHARGES. The\ndaily balances for the billing cycle are then added together and\ndivided by the number of days in the billing cycle. The result is\nthe \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The INTEREST CHARGE is\ndetermined by multiplying the \xe2\x80\x9caverage daily balance\xe2\x80\x9d by the\nnumber of days in the billing cycle and applying the periodic\nrate to the product. The INTEREST CHARGE for certain\ncategories of transactions subject to an introductory rate or a\npromotional rate may be separately calculated for those\ncategory balances. You may pay any amounts outstanding at\nany time without penalty for early payment.\nACCOUNTS WITH DIFFERENT APRS: Payments made in\nexcess of the required minimum payment will be applied to the\nbalance with the highest APR and then to balances subject to\nlower APRs, in descending order of APRs until all balances\nsubject to an APR are paid in full.\nCASH ADVANCE FEE: We will not charge you a Cash\nAdvance Fee. If an advance is made by another institution, the\nother institution may impose a fee. If you obtain a cash\nadvance by using an automated teller machine (ATM), any fee\nimposed upon the Credit Union by the owner or operator of the\nmachine may be passed on to you. Any charge made under\nthis paragraph will be added to the balance of your Account\nand treated as a cash advance.\nANNUAL FEE: You will not be charged an annual fee for the\nissuance or use of the Card.\nLATE PAYMENT FEE: If we do not receive your required\nminimum payment within 10 days of the payment due date,\nyou will be charged a late payment fee as set forth in the\nAdditional Disclosure.\n\n\x0c'


b'In no event will the late payment fee exceed the amount\nof the minimum payment due for the applicable\nstatement period.\nRETURNED PAYMENT FEE: We will charge you a\nreturned payment fee each time you send us a payment\nthat is returned unpaid for any reason. We will charge\nyou this fee each time any payment is returned unpaid,\neven if it is paid upon resubmission. The amount of the\nreturned payment fee is set forth in the Additional\nDisclosure. In no event will the returned payment fee\nexceed the amount of the minimum payment due for the\napplicable statement period.\nOVER-THE-CREDIT-LIMIT FEE: You will not be charged\nan Over the Credit Limit Fee when using your Card.\nBALANCE TRANSFER FEE: You will not be charged a\nBalance Transfer Fee.\nFEDEX FEE FOR EXPEDITING LOST, STOLEN, OR\nADDITIONAL CARD: We will charge you a fee for the\nFedEx delivery of your card as set forth in the Additional\nDisclosure.\nTELEPHONE PAYMENT: If you make a telephone\nrequest to make a payment, we will charge a\nTelephone Payment fee as set forth in the Additional\nDisclosure.\nCREDITING OF PAYMENTS: All payments made on\nyour Account at the address designated for payment on\nthe monthly periodic statement, or made to a member\nservice representative at any of our branch offices will\nbe credited to your Account on the date of receipt. If the\ndate of receipt for a mailed payment or a payment made\nat a branch drop box is not a business day, your\npayment will be credited on the first business day\nfollowing receipt. The required minimum payment for your\nAccount will be applied first to collection costs, then to\nany INTEREST CHARGES and other fees due, and then\nto the unpaid principal balance.\nBALANCE TRANSFERS: If you request a balance\ntransfer to be made, you should not rely on a balance\ntransfer to be made by any particular date. Although\nmost balance transfers will be made sooner, it could\ntake up to three weeks before payment to your other\nAccount is made. Accordingly, you should continue to\nmake all required payments on your other accounts until\nyou confirm that the balance transfer has been made.\nBalance transfers may not exceed your available credit.\nBalance transfer requests will be processed in the order\nyou list them on the balance transfer request form or\nadditional sheet if included. If a balance transfer request is\nmore than the available credit limit, we will automatically\nlower the balance transfer amount to your available credit\nand complete the transfer. We will not close your other\naccounts, even if you transfer the entire balance. A balance\ntransfer cannot be used to pay TDECU credit card or loan\nbalances.\n\nbIf you want to close your other accounts, you should\ncontact the issuer directly. Transfer of a balance that\ncontains disputed purchases or other charges may cause\nyou to lose any dispute rights you may have with regard\nto those purchases or other charges. There is no grace\nperiod for balance transfers.\n\nor\na wholesale\nexchange\nrate\nselected\nby\nMasterCard International for the applicable currency on\nthe day the transaction is processed, which rate may\ndiffer from the applicable rate on the date the\ntransaction occurred or when the transaction is posted to\nyour Account.\n\nCREDIT INVESTIGATION: In conjunction with your\napplication for credit and, if approved, maintenance of\nyour Account, you agree that we have the right to: (1)\ninvestigate your credit and employment history, (2) verify\nyour credit references, (3) request and use credit\nreports, and (4) report the way you pay your Account to\ncredit bureaus and other interested parties. We may\nreport the status and payment history of your Account\nto the credit reporting agencies each month. You are\nhereby notified that a negative credit report reflecting on\nyour credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of this Agreement. If\nyou believe that the information we have reported to the\ncredit reporting agencies is inaccurate or incomplete,\nplease notify us in writing at Texas Dow Employees\nCredit Union, 1001 FM 2004, Lake Jackson, TX\n77566-4012. Please include your name, address, home\ntelephone number, and Account number.\n\nSKIP-A-PAYMENT OPTION: From time to time, we may\noffer you the opportunity to skip a payment on your\naccount(s). The offer, if made, will be reflected on your\nperiodic statement as a message informing you that you\ncan skip your payment for that month. Your choice to skip\nthe payment will constitute your acceptance of the offer. As\na result, your payments will resume the following month.\nInterest will continue to accrue at the interest rate in effect\nat the time for the related skip payment period. All other\nprovisions of your credit agreement shall apply following the\nskipped payment. On a joint account, either member acting\nalone may accept the skip payment. Certain account\nexclusions may apply.\n\nCONVENIENCE CHECKS: The Credit Union may issue\nchecks at our discretion that may be used for any\npurpose other than making payment for credit to your\nAccount. By signing such checks, you authorize us to\npay the item for the amount indicated and post such\namount as a cash advance to your Account. We do not\nhave to pay any item that would cause the outstanding\nbalance in your Account to exceed your credit limit.\nILLEGAL TRANSACTIONS: You may not use your Card\nor Account for any illegal purpose or unlawful\ntransactions. You agree that we may decline to process\nany transaction that we believe in good faith to be for\nan illegal purpose. You agree that we will not be liable\nfor declining to process any such transaction. If we do\nprocess any transaction that ultimately is determined to\nhave been for an illegal purpose, you agree that you will\nremain liable to us under this Agreement for any such\ntransaction notwithstanding its illegal nature. You agree\nthat any illegal use of the Card will be deemed an act\nof default under this Agreement. You further agree to\nwaive any right to take legal action against us for your\nillegal use of the Card and to indemnify, defend, and\nhold us harmless from and against any lawsuits, other\nlegal action, or liability that results directly or indirectly\nfrom such illegal use.\nFOREIGN TRANSACTIONS: If you effect a foreign\ntransaction with your MasterCard, MasterCard International\nwill convert the charge into a U.S. dollar amount.\nMasterCard International will use its currency conversion\nprocedure, which is disclosed to institutions that issue\nMasterCard cards. Currently, the currency conversion rate\nused by MasterCard International to determine the\ntransaction amount in U.S. dollars for such transactions is\ngenerally either a government-mandated exchange rate\n\nADDITIONAL PROVISIONS: Each provision of this\nAgreement must be considered part of the total Agreement\nand cannot in any way be severed from it. However, if any\nprovision of this Agreement is finally determined to be void\nor unenforceable under any law, rule, or regulation, all other\nprovisions of this Agreement will remain valid and\nenforceable.\nYou\nunderstand\nthat\nthe\nvalidity,\nconstruction, and enforcement of this Agreement is\ngoverned by the laws of the State of Texas to the\nextent not preempted by applicable federal law, and it\nis performable in Brazoria County, Texas. We do not\nwarrant any merchandise or services purchased by you\nwith the Card. All purchases and cash advances are\nextended at the option of the merchant or cash advancing\nfinancial institution and the Credit Union is not responsible\nfor the refusal of any merchant or financial institution\nto honor your Card. The Card remains our property at\nall times and you agree to immediately surrender the\nCard upon demand. You agree to pay all reasonable\ncosts of collection, including court costs and attorney\xe2\x80\x99s\nfees, and any costs incurred in the recovery of the\nCard. We can accept late payments or partial\npayments, or checks or money orders marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d without losing any of our rights under this\nAgreement. We can also waive or delay enforcing any\nof our rights under this Agreement without losing them.\nYou expressly waive\npresentment\nfor\npayment,\ndemand, protest, and notice of protest and dishonor of\nsame. You agree to give us prompt notice of any\nchange in your name, mailing address, telephone\nnumber or place of employment.\nRECEIPT OF AND AGREEMENT TO TERMS AND\nCONDITIONS OF AGREEMENT: By signing an application\nfor the Card or by using the Card, you agree to all the terms\nand conditions and promise to perform all the obligations,\nrequirements, and duties contained in this Agreement,\nand you acknowledge receipt of a copy of this Agreement.\n\nM-126439\n\nCREDIT CARD AGREEMENT AND DISCLOSURE\nSTATEMENT FOR YOUR ONYX MASTERCARD\xc2\xae\nACCOUNT\nNotice: Read and retain this copy of your Credit\nCard Agreement and Disclosure Statement for future\nreference.\nTERMS USED IN THIS AGREEMENT: This Agreement and\nDisclosure\nStatement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d)\ncovers\nyour MasterCard\xc2\xae Account (\xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x98Your\xe2\x80\x9d mean any person who applies for or\nuses the Card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean\nTexas Dow Employees Credit Union (TDECU), the\nissuer of your MasterCard. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit\ncard issued to you or those designated by you under\nthe terms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means\nany procedure used by you, or someone authorized by you,\nto make a purchase or an advance whether or not the\npurchase or advance is evidenced by a signed written\ndocument. \xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use\nof the Card by someone other than you who does not\nhave actual, implied, or apparent authority for such use,\nand from which you receive no benefit. In this\nAgreement, any plural terms shall be deemed singular and\nany singular terms shall be deemed plural when context and\nconstruction so require.\nCONSENSUAL SECURITY INTEREST: You agree to give\nthe Credit Union a security interest in any and all funds on\ndeposit in accounts in which you have an ownership\ninterest, both now and in the future, with the exception of\nretirement accounts or any other accounts that would lose\nspecial tax treatment under state or federal law if given as\nsecurity. The granting of this security interest is a condition\nfor the issuance of any Card that you may use, directly and\nindirectly, to obtain extensions of credit under this\nAgreement. This means that, if you are in default, the\nCredit Union can, without prior notice to you, take funds\nfrom any eligible account(s) in which you have an\nownership interest and apply them as a credit against your\ncredit card Account in any amount available up to the entire\nbalance. Collateral securing other loans you have with the\nCredit Union may also secure this loan.\nEXTENSION OF CREDIT: The Credit Union has established\na MasterCard Account in your name and one or more Cards\nwill be issued to you or to those designated by you. By use\nof the Card or the Account you authorize the Credit Union to\npay for your Account all items reflecting credit purchases\nand cash advances (including balance transfers).\n\n\x0cJOINT APPLICANT LIABILITY: If more than one person\nsigns the application, each of you shall be jointly and\nindividually liable to us for all charges made to the Account,\nincluding applicable fees. In addition, you agree that each of\nyou designates the other as agent for the purpose of\nmaking purchases extended under this Agreement and each\nuse of your Account shall be an extension of credit to all.\nNotice to one of you shall constitute notice to all. Any\ncardholder may close the Account at any time by notifying\nus in writing. However, removal from the Account does not\nrelease you from any liability already incurred.\n\nyour Account to exceed your credit limit as established by\nus or as adjusted from time to time at our discretion.\nNotwithstanding the foregoing, in our discretion we may\nchoose to approve a transaction you have requested that\nwould cause you to exceed your approved credit limit and\nyou will be responsible for such transactions. Each payment\nyou make on the Account will restore your credit limit by\nthat amount of the payment which is applied to the principal\nbalance of purchases and cash advances. The Credit Union\nhas the right to reduce or terminate your credit limit at any\ntime.\n\nCARD SIGNATURE PANEL: Upon receipt of your new or\nreissued Card, you must sign the signature panel on the\nback of the Card. If the signature panel is not signed,\nmerchants are not required to accept your Card.\n\nPROMISE TO PAY: You promise to pay us in U.S. dollars\nfor (a) all purchases, cash advances, and balance transfers\nmade by you or anyone whom you authorize to use the\nCard or Account; (b) INTEREST CHARGES and\nother charges or fees; (c) collection costs and attorney\xe2\x80\x99s\nfees as permitted by applicable law, and any costs\nincurred in the recovery of the Card; and (d) credit in\nexcess of your credit limit that we may extend to you. At the\nend of each monthly billing cycle for which you have a\nbalance on your Account, you will be furnished with a\nperiodic\nstatement\nshowing\n(i)\nthe\n\xe2\x80\x9cPrevious\nBalance\xe2\x80\x9d (the outstanding balance in the Account at the\nbeginning of the billing cycle), (ii) the amount of all cash\nadvances, purchases, balance transfers, late charges,\nINTEREST CHARGES, and other charges or fees posted\nto your Account during the billing cycle, (iii) the amount\nof all payments and credits posted to your Account during\nthe billing cycle, and (iv) the \xe2\x80\x9cNew Balance\xe2\x80\x9d which is the\nsum of (i) and (ii) minus (iii).\n\nOTHERS USING YOUR ACCOUNT: If you allow anyone\nelse to use your Account, you will be liable for all credit\nextended to such persons, even if that person exceeds your\npermission. You promise to pay for all purchases, balance\ntransfers, and cash advances made by anyone you\nauthorize to use your Account, whether or not you notify us\nthat he or she will be using it. If someone else is authorized\nto use your Account and you want to end that person\xe2\x80\x99s\nprivilege, you must notify us in writing, and if he or she has\na Card, you must return the Card with your written notice for\nit to be effective.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable\nfor the unauthorized use of your Card. If you notice the loss\nor theft of your Card or a possible unauthorized use of your\nCard, you should call us immediately at:\n(877) 404-1009\nYou may also write us at:\n\nTDECU\nP O Box 31281\nTampa, Florida 33631-3281\n\nAlthough you may write to notify us of unauthorized use,\ncalling us immediately at the telephone number above is the\nbest way to keep your possible losses down.\nYou are not liable for any unauthorized use of your\nMasterCard once you notify us orally or in writing and as\nlong as you meet the following criteria: (1) you have\nexercised reasonable care with your Card; (2) you have not\nreported two or more incidents of unauthorized use of your\nCard within the previous 12 months; and (3) you have\nmaintained your Account in good standing. MasterCard\xe2\x80\x99s\nzero liability policy does not apply to cash advances\nobtained at an ATM.\nCREDIT LIMIT: We assign a credit limit to your Account. We\nwill notify you of the credit limit when the Card is sent to\nyou. You promise that payments we make for your Account\nresulting from use of the Card will at no time cause the\noutstanding balance of\n\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d\nshown on the monthly periodic statement the entire new\nbalance or a minimum payment equal to 2% of the new\nbalance or $18, whichever is greater, plus any amount\nin excess of the credit limit established by us. If the\nnew balance is $18 or less, you agree to pay it in full. You\nmay make extra payments in advance of the due date\nwithout a penalty, and you may repay any funds\nadvanced, credit extended, or amount outstanding at\nany time without a penalty for early payment. If you\npay more than the minimum payment due in any\nmonth and there is still a balance due, you must\ncontinue\nto\nmake\nminimum payments in future\nmonths. Any partial payment of your account balance\nwill not advance your next payment due date(s).\nCREDIT INSURANCE: Credit insurance is not required for\nany extension of credit under the Agreement. However, if\navailable, you may purchase credit insurance through\nthe Credit Union and have the premium added to\nthe outstanding balance in your Account. If you elect to do\nso, you will be given the necessary disclosures and\ndocuments separately.\nTERMINATION OR CHANGES: The Credit Union may add\nto, delete, or change the terms of this Agreement from time\nto time. Notice of any change will be given in accordance\nwith applicable law. If permitted by law and specified in\nthe notice to you, the change will apply to your existing\nAccount balance as well as to\n\nyour future transactions. Either you or the Credit Union may\nterminate this Agreement at any time, but termination by you\nor the Credit Union will not affect your obligation to pay the\nAccount balance plus any INTEREST CHARGES and other\ncharges you owe under this Agreement. You are also\nresponsible for all transactions made to your Account after\ntermination, unless the transactions were unauthorized. The\nCards and convenience checks you receive remain the\nproperty of the Credit Union and you must surrender to the\nCredit Union all Cards and convenience checks upon\nrequest or upon termination of this Agreement whether by\nyou or the Credit Union.\nDEFAULT: You will be in default: (1) if you fail to make any\npayment on time; (2) if you fail to keep any promises you\nhave made under this or any other agreement with the\nCredit Union; (3) if you are the subject of an order for relief\nunder Title 11 of the U.S. Code (Bankruptcy); (4) if anyone\ntries, by legal process, to take any of your money in the\nCredit Union (5) if you have given the Credit Union false or\ninaccurate information in obtaining your Card; (6) you are\ndeclared incompetent or mentally incapacitated, or you die;\nor (7) if anything happens or any condition exists which the\nCredit Union reasonably believes impairs your ability to\nrepay what you owe.\nACCELERATION: If you are in default, the Credit Union\nmay, without prior notice to you, demand immediate\npayment of the Account balance plus INTEREST\nCHARGES which shall continue to accrue until the entire\namount is paid. You expressly waive any right to notice or\ndemand, including but not limited to, demand upon default,\nnotice of intention to accelerate and notice of acceleration.\nThe Card remains the property of the Credit Union at all\ntimes and you agree to immediately surrender the Card\nupon demand of the Credit Union. You agree to pay all\nreasonable costs of collection, including court costs and\nattorney\xe2\x80\x99s fees imposed, and any cost incurred in the\nrecovery of the Card.\nCOST OF CREDIT: You will pay an INTEREST CHARGE\nfor all advances made against your Account. If your Account\nfeatures an Introductory Rate, you will pay an Introductory\nRate for all advances made against your Account at the\nDaily Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) set forth in the Additional\nDisclosure attached and incorporated into this Agreement.\nAny Introductory Rate applicable to your Account will apply\nfor the time period as set forth in the Additional Disclosure.\nAfter any Introductory Rate period, or if an Introductory Rate\ndoes not apply to your Account, the Standard Rate periodic\nrate for your Account will range from .0260274% per day\nto .0479452% per day, which corresponds to an ANNUAL\nPERCENTAGE RATE ranging from 9.50% to 17.50%.\nYour precise Standard Rate will be determined by review\nof your credit report and based on your creditworthiness\nand is disclosed in the Additional Disclosure. In addition,\nafter your Account is opened, we may review your\ncredit report periodically from time to time at our\ndiscretion and adjust your Standard Rate within the\nranges above according to your credit score. You will be\nnotified no less than 45 days prior to any rate change.\nCash advances (including balance transfers)\n\nincur an INTEREST CHARGE from the date they are posted to\nthe Account. If you have paid your Account in full by the due\ndate shown on the previous monthly statement, or there is no\nprevious balance, you have not less than 25 days to repay your\nAccount balance before an INTEREST CHARGE on the\ncurrent purchases will be imposed. If you have not paid your\nAccount in full by the due date shown on the previous monthly\nstatement, you have no grace period in which to repay your\nAccount balance before an INTEREST CHARGE on current\npurchases will be imposed, and such INTEREST CHARGE\nwill begin on the date such purchases are posted to your\nAccount. No additional INTEREST CHARGE will be incurred\nwhenever you pay the Account in full by the Payment Due Date\nshown on your monthly periodic statement.\nThe INTEREST CHARGE is figured by applying the periodic\nrate to the \xe2\x80\x9cbalance subject to INTEREST CHARGE,\xe2\x80\x9d which is\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account, including certain\ncurrent transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is arrived at\nby taking the beginning balance of your Account each day and\nadding any new cash advances (including balance transfers),\nand, unless you pay your Account in full by the due date shown\non your previous monthly statement or there is no previous\nbalance, adding in new purchases, and subtracting any\npayments or credits and unpaid INTEREST CHARGES. The\ndaily balances for the billing cycle are then added together and\ndivided by the number of days in the billing cycle. The result is\nthe \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The INTEREST CHARGE is\ndetermined by multiplying the \xe2\x80\x9caverage daily balance\xe2\x80\x9d by the\nnumber of days in the billing cycle and applying the periodic\nrate to the product. The INTEREST CHARGE for certain\ncategories of transactions subject to an introductory rate or a\npromotional rate may be separately calculated for those\ncategory balances. You may pay any amounts outstanding at\nany time without penalty for early payment.\nACCOUNTS WITH DIFFERENT APRS: Payments made in\nexcess of the required minimum payment will be applied to the\nbalance with the highest APR and then to balances subject to\nlower APRs, in descending order of APRs until all balances\nsubject to an APR are paid in full.\nCASH ADVANCE FEE: We will not charge you a Cash\nAdvance Fee. If an advance is made by another institution, the\nother institution may impose a fee. If you obtain a cash\nadvance by using an automated teller machine (ATM), any fee\nimposed upon the Credit Union by the owner or operator of the\nmachine may be passed on to you. Any charge made under\nthis paragraph will be added to the balance of your Account\nand treated as a cash advance.\nANNUAL FEE: You will not be charged an annual fee for the\nissuance or use of the Card.\nLATE PAYMENT FEE: If we do not receive your required\nminimum payment within 10 days of the payment due date,\nyou will be charged a late payment fee as set forth in the\nAdditional Disclosure.\n\n\x0c'


b'DEFAULT: I will be in default if 1) I do not pay on time or in\nthe proper amount; 2) I fail to abide by the terms of this\nAgreement or any other agreement I have with you; 3) I\nmake any false or misleading statements in any credit\napplication or update of information; 4) I die, become\ninsolvent or am the subject of bankruptcy or receivership\nproceedings; 5) something happens which you believe\nsubstantially reduces my ability to repay.\nACCELERATION AND COLLECTION COSTS: If I am in\ndefault, you may demand immediate payment of the unpaid\nbalance, Finance Charges, late charges, annual fees,\noverlimit fees and collection costs. I understand that I may\nbe subject to Finance Charges (at the applicable Periodic\nRate), late charges, annual fees, overlimit fees and collection\ncosts under the terms disclosed in this Agreement, until I\nrepay my entire balance. I also agree to pay your reasonable\nattorney\xe2\x80\x99s fees, and court costs.\nRESPONSIBILITY: I agree to repay you according to the\nterms of this Agreement for all Purchases, Cash Advances,\nFinance Charges, late charges, annual fees and overlimit\nfees, if any, arising from the use of the account by me or any\nother person I permit to use my account, even if that person\nexceeds my permission. I understand that once I authorize\nany person to use this account, this authorization will be in\nforce, until I revoke this authorization in writing to you. Any\nperson using the account is jointly and severally responsible\nwith me.\nUNAUTHORIZED USE: I may be liable for the unauthorized\nuse of my card. I will not be liable for unauthorized use that\noccurs after I notify you at 1 (877) 875-8092, or in writing at\nCardholder Services P.O. Box 29100, Glendale, CA\n91209-9100, of the loss, theft or possible unauthorized use.\nIf I notify you of the lost or stolen card, I will not be liable for\nany losses. This liability exclusion will apply provided I am\nnot grossly negligent or fraudulent in handling of my card;\notherwise my liability will not exceed $50.00.\nTERMINATION: I can cancel my Account at any time by\nreturning to you my Card, along with a letter requesting that\nyou cancel my Account. You may cancel this Agreement at\nany time. However, my obligation under this Agreement and\nany charges made under it prior to cancellation will continue\nto apply until I have paid you all the money I owe on the\nAccount according to the terms of this Agreement.\nTRANSACTION SLIPS: My statement will identify the merchant,\nelectronic terminal or financial institution at which transactions\nwere made, but sales, Cash Advances, credit or other slips\ncannot be returned with the statement. I will retain the copy of\nsuch slips furnished at the time of the transaction in order to\nverify my monthly statement. You may make a reasonable\ncharge for any photostatted copies of slips I request.\nPLAN MERCHANT DISPUTES: You are not responsible for\nthe refusal of any plan merchant or financial institution to\nhonor my card. You are subject to claims and defenses\n(other than tort claims) arising out of goods or services I\npurchase with the card only if I have made a good faith\nattempt but have been unable to obtain satisfaction from the\nplan merchant, and (a) my purchase was made in response\nto an advertisement you sent or participated in sending me;\nor (b) my purchase cost more than $50.00 and was made\nfrom a plan merchant in my state or within 100 miles of my\ncurrent mailing address. Any other dispute I must resolve\ndirectly with the plan merchant.\n\nFOREIGN TRANSACTIONS (ISA fee): When I use my card\nfor a foreign transaction, the transaction amount may be\nconverted into U.S. dollars by applying an exchange rate\nselected by VISA from among the range of rates available in\nwholesale currency markets or the government-mandated\nrate on the date the transaction is processed. The rate\nchosen may vary from the rate VISA itself receives.\nA fee equal to 1% of the transaction amount is added to each\ninternational transaction. For example if your international\ntransaction resulted in US $100, the fee would be $1.00.\nRETURNS AND ADJUSTMENTS: Merchants and others\nwho honor the Card may give credit for returns or adjustments, and they will do so by sending you a credit slip which\nyou will post to my account. If my credits and payments\nexceed what I owe you, you will hold and apply this credit\nbalance against future Purchases and Cash Advances, or if\nit is $1.00 or more, refund it on my written request or\nautomatically after six (6) months.\nOWNERSHIP OF CARDS: Any card or other device, which\nyou supply to me is non-transferable and is the property of\nyou. You may repossess any and all cards at any time at\nyour sole discretion without demand or notice. All cards must\nbe returned to you, or to any person whom you authorize to\nact as your agent, or any person who is authorized to honor\nthe cards according to instructions.\nTERMINATION OF CARD PRIVILEGES: If my card\nprivileges are terminated, I must immediately surrender all of\nmy Cards. Termination of Card privileges does not affect any\nrights and obligations for transactions made with the Card\nbefore the privileges were terminated.\nSURRENDER OF CARD(S): The Card(s) remains your\nproperty and, if you request, I must surrender to you all cards\nyou have issued on my account.\nLOST OR STOLEN CARDS: To report lost or stolen card(s),\nthe Account Number, PIN or any combination of the three, I\nwill call you at 1 (877) 875-8092.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: You may accept\nchecks, money orders, or other types of payment marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or use other language to indicate full\nsatisfaction of any indebtedness, without being bound by\nsuch language or waiving any right under this Agreement.\nYou shall accept full satisfaction of indebtedness only in a\nwritten agreement, signed by your authorized representative.\nDELAY IN ENFORCEMENT: You can delay in enforcing any\nof your rights under this Agreement without losing them.\nGOVERNING LAW: I understand and agree that this\nAgreement is made in California and shall be governed by\nthe laws of the State of California to the extent that California\nLaw is not inconsistent with controlling Federal law. I also\nunderstand that California\xe2\x80\x99s choice of law rules shall not be\napplied if they would result in the application of non\nCalifornia law.\nFORCE MAJURE: You are not liable for failing to act or delay\nin acting if such failure or delay is caused by legal constraint,\ninterruption of transmission or communication facilities,\nequipment failure, war, emergency conditions, terrorist action,\nAct of God or other circumstances beyond your control.\nCHANGE OF NAME, ADDRESS and EMPLOYMENT STATUS:\nI understand that I must report to you any change in my\nname, address or employment status within sixty (60) days\nof such change.\n\nCHANGE OF TERMS: This Agreement is the contract which\napplies to all transactions on my account even though the\nsales, Cash Advances, credit or other slips I sign or receive\nmay contain different terms. I understand that you may\namend, modify, add to, or delete from this Agreement any of\nits terms and conditions, including the method of application\nand the amount of Finance Charge, effective as to any\nunpaid balance outstanding and any subsequent advance by\nmailing a notice of the change to me at my last known\naddress. I also understand that any such notice will be\nmailed at least Forty Five (45) days prior to the effective date\nof the change as required by Federal or other law. Notice of\nchange in terms is required, but may be sent as late as the\neffective date of the change where the change has been\nagreed to, in writing by me.\nSTATEMENTS: With certain exceptions, CCU provides\naccount holders with statements listing the account\ntransactions. I agree to examine my statements as soon as I\nreceive them.\nI assume full responsibility for monitoring and reviewing the\nactivity of my account and the work of my employees,\nagents, and accountants.\nI agree to notify you immediately if I think there is an error or\nan unauthorized transaction shown on my statement. Unless\nI notify us promptly, you will assume the statement is correct.\nIf you send me a statement or item which contains or\ndiscloses an erroneous debit, unauthorized or missing\nsignature or an alteration, I must notify you promptly of that\nfact, but no later than 60 days after you mail or deliver the\nitem or statement to me. For these purposes, statements will\nbe deemed to have been mailed on the first business day\nfollowing the statement date. I further agree that if I fail to\nreport any erroneous debit, unauthorized or missing\nsignatures or an alteration within this time frame I cannot\nassert a claim against CCU on any items or transactions in\nthat statement, and thereafter by the same wrongdoer, and\nas between me and CCU the loss will belong entirely to me.\nThis 60-day limitation is without regard to whether you did or\ndid not use ordinary care.\nMy statements and notices will be mailed to the last address\nyou have on file for the account. If my signature card\nindicates that statements and notices are to be held by you,\nyou may mail them to the last address on file for the account\nif they are not picked up within 90 days. If two consecutive\nstatements and/or notices are returned to CCU by the Postal\nService for any reason, you may hold subsequent statements and notices of every kind until we receive forwarding\ninformation from me and you may destroy such statements\nand notices if I do not claim them within one (1) year from\nthe date of mailing.\nIf I do not receive my scheduled statement, it is my obligation\nto notify you of that fact.\nRELEASING ACCOUNT INFORMATION: I authorize you to\nrelease information regarding the current status and history\nof my account to others. You may release information:\n(1) where it is necessary or helpful to complete a transaction;\n(2) to verify the existence and condition of your account for a\nthird party, such as a merchant or another financial institution;\n(3) to comply with the law or a court order; (4) when an\ninquiry is made regarding whether my account has sufficient\nfunds to cover a check drawn on my account, (5) with my\nauthorization; and (6) for other legitimate business purposes.\n\n8\n\n9\n\n10\n\nCCU, from time to time, enters into agreements with third\nparties to provide bank related services for the CCU. The\nservices provided by the third parties may include check-processing services, data processing services or other\nbank-related services. I authorize you to release information\nregarding my account to such third-party services providers\nin connection with the service providers providing bank\nrelated services for CCU.\nCREDIT INFORMATION: I authorize you to investigate my\ncredit standing when opening, renewing or reviewing my\naccount, and I authorize you to disclose information\nregarding my account to credit bureaus and other creditors\nwho inquire about my credit standing to the extent authorized\nby law. If I dispute credit information you are reporting about\nme, I may notify you at Attn: Credit Department, P.O. Box\n29100, Glendale, CA 91209-9100 or call you at 1 (877)\n875-8092.\nNEGATIVE CREDIT REPORTING: CCU may report\ninformation about my account to credit bureaus. Late\npayments, missed payments, or other defaults on my\naccount may be reflected in my credit report.\nNOTICE: See the statement below for important\ninformation regarding right to dispute billing errors.\nCOPY RECEIVED: By activating and/or using my Card or\nallowing an authorized user to use my Card, I acknowledge\nreceipt of a copy of this Agreement and Federal Truth-In-Lending Disclosure Statement and agree to and accept its terms.\nYOUR BILLING RIGHTS\n(Keep this Notice for future use)\nThis notice contains important information about your rights\nand 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 us at:\nCalifornia Credit Union\nPO Box 182477\nColumbus, OH 43272-4935\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your Name and account number\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 \x07Description of the problem: If you think there is an error\non your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 \x07Within 60 days after the error appeared on your statement\n\xe2\x80\xa2 \x07At least 3 business days before an automatic payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. W\n\x07 ithin 30 days of receiving your letter we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. W\n\x07 ithin 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\n11\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 \x07We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 \x07While you do not have to pay the amount in question,\nyou are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 \x07We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 \x07If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount\n\xe2\x80\xa2 \x07If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees We will send you a statement of the\namount you owe and the date payment is due We may\nthen report you as delinquent if you do not pay the\namount we think you owe\nIf you receive our explanation but still believe your bill is\nwrong, 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\ndelinquent without also reporting that you are questioning\nyour bill We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. \x07The purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you\nthe goods or services.)\n2. \x07You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card\naccount do not qualify.\n3. \x07You must not yet have fully paid for the purchase.\n\nFEB. 2016\n\nPremium Visa\nElite Rewards Visa\nand/or School Rewards Visa\nAGREEMENT AND FEDERAL\nTRUTH-IN-LENDING\nDISCLOSURE STATEMENT\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nCalifornia Credit Union\nPO Box 182477\nColumbus, OH 43272-4935\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe\nthe amount and you do not pay, we may report you as\ndelinquent.\n12\n\n1\n\n\x0cCARD MEMBER AGREEMENT\nIn this Agreement and Disclosure Statement the words \xe2\x80\x9cI\xe2\x80\x9d,\n\xe2\x80\x9cme\xe2\x80\x9d, and \xe2\x80\x9cmy\xe2\x80\x9d mean each and all of those who apply for or\nuse California Credit Union Premium Visa, Elite Rewards\nVisa, and/or School Rewards Visa. \xe2\x80\x9cYou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d\nmean California Credit Union (CCU). \xe2\x80\x9cCard\xe2\x80\x9d means the\nPremium Visa, Elite Rewards Visa, and/or School Rewards\nVisa issued to me and any duplicates you may issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means my Premium Visa, Elite Rewards Visa,\nand/or School Rewards Visa with you.\nBy requesting and receiving, signing or permitting others to\nuse a Premium Visa, Elite Rewards Visa, and/or School\nRewards Visa issued to me by California Credit Union, I\nagree to the following terms and conditions and any\namendments thereto:\nMEMBERSHIP IN THE CREDIT UNION: I must qualify for\nand become a member of CCU. You reserve the right to\nclose my account(s) if my membership in CCU terminates. I\nagree that at your option you may suspend my rights to\nmember services if I violate the terms of this agreement or\nany other agreement with me, or if I cause a loss to CCU.\nNotice: This Document Contains Provisions For a Variable\nAnnual Percentage Rate.\nThe Monthly Periodic Rate is determined by dividing The\nAnnual Percentage Rate (determined as set forth below) by\n12 and will change when the Annual Percentage Rate\nchanges. The Monthly Periodic Finance Charge for each\nbilling cycle will be the sum of the Monthly Periodic Finance\nCharge on my \xe2\x80\x9cPurchase\xe2\x80\x9d Balance and the Monthly Periodic\nFinance Charge on my \xe2\x80\x9cCash Advance\xe2\x80\x9d Balance and cash\nadvance transaction fees (see explanation below) for the\nbilling cycle. The Monthly Periodic Finance Charge on my\nPurchases Balance is calculated by multiplying the Average\nDaily Balance for Purchases (see explanation below) on my\naccount for the billing cycle by the applicable Monthly\nPeriodic Rate. The Monthly Periodic Finance Charge on my\nCash Advances Balance is calculated by multiplying the\nAverage Daily Balance for Cash Advances (see explanation\nbelow) on my account for the billing cycle by the applicable\nMonthly Periodic Rate.\nHOW YOU DETERMINE CHANGES IN MY ANNUAL\nPERCENTAGE RATE: The Annual Percentage Rate may\nincrease or decrease on the first day of each monthly billing\ncycle (the \xe2\x80\x9cAdjustment Date\xe2\x80\x9d) during the term of this\nAgreement. Any such change will be based on an increase\nor decrease of the most recent \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published by\nthe Wall Street Journal and available as of the first Tuesday\nof the calendar month prior to the Adjustment Date (herein\n\xe2\x80\x9cIndex\xe2\x80\x9d). If more than one rate is listed under the heading\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d in the Wall Street Journal, you shall use the\nlowest rate for purposes of calculating the Index. In the event\nthat the Wall Street Journal ceases publishing the \xe2\x80\x9cPrime\nRate\xe2\x80\x9d, changes in the Annual Percentage Rate will be related\nto a comparable Index.\n\nFor example, the Index in effect on the first Tuesday in\nJanuary shall be used to calculate the Annual Percentage\nRate effective as of the first day of the next billing cycle in\nFebruary of the same year. The Index in effect on the first\nTuesday in February shall be used to calculate the Annual\nPercentage Rate effective as of the first day of the next\nbilling cycle in March of the same year, and so forth. The\nmaximum Annual Percentage Rate during the term of this\nAgreement may not exceed the maximum Annual Percentage\nRate permitted for California state chartered credit unions at\nthe time of each Annual Percentage Rate change. Decreases\nin the Annual Percentage Rate in accordance with the terms\nof this Agreement are mandatory. Increases in the Annual\nPercentage Rate in accordance with the terms of this\nAgreement are at your discretion. If the Annual Percentage\nRate and corresponding Monthly Periodic Rate increases or\ndecreases the Finance Charge will increase or decrease and\nthe number of payments required to repay the unpaid\nbalance may increase or decrease. Each change in the\nAnnual Percentage Rate and the corresponding Monthly\nPeriodic Rate will apply to any unpaid balance on the\neffective date of such change as well as to future purchases\nand advances.\nCONDITIONS UNDER WHICH A FINANCE CHARGE WILL\nBE IMPOSED: The conditions under which a Finance\nCharge will be imposed depend upon whether the\ntransaction is a Cash Advance or a Purchase.\nFINANCE CHARGE ON CASH ADVANCES: A Finance\nCharge will be imposed on the Cash Advances outstanding\nin my Account whenever the statement of the Billing Cycle\nbeing concluded (the \xe2\x80\x9ccurrent statement\xe2\x80\x9d) reflects Cash\nAdvances outstanding at any time during the Billing Cycle.\nYou will charge a Finance Charge on my Cash Advances\nfrom the date they are posted to my Account.\nBALANCE TRANSFER FEE: You will assess a Balance\nTransfer Fee for balance transfers. For each of these\nbalance transfers, you will add a Finance Charge equal to\n2.0% of the balance transfer amount, but not less than $5.\nThis Finance Charge will be added to the balance transfer\nbalance on my Account.\nThe Finance Charge on Balance Transfers consists of i)\nBalance Transfer Fees and ii) interest computed at a Monthly\nPeriodic Rate. The Annual Percentage Rate for all outstanding\nindebtedness and new balances relating to Balance Transfers\nis the same as the purchase rate for transactions. The\ncurrent Monthly Periodic Rate and the Annual Percentage\nRate for Balance Transfers transactions is the same as the\npurchase rate for your card. This rate is subject to increase\nor decrease monthly in accordance with changes in the\nPrime Rate, as set forth in more detail in the paragraph\nabove on Prime Rate Adjustments. An increase may result in\na higher minimum monthly payment.\nCASH ADVANCE TRANSACTION FEE: You will assess a\nCash Advance Transaction Fee for ATM and bank Cash\nAdvances, and for use of convenience checks and other\ncredit instruments or devices intended for my use in\nobtaining Cash Advances. For each of these Cash Advances,\nyou will add a Finance Charge equal to 3.0% of the Cash\nAdvance amount, but not less than $5. This Finance Charge\nwill be added to the Cash Advance balance on my Account.\nThe Finance Charge on Cash Advances consists of i) Cash\nAdvance Transaction Fees and ii) interest computed at a\n\nMonthly Periodic Rate. The Annual Percentage Rate for all\noutstanding indebtedness and new balances relating to Cash\nAdvances is the same as the purchase rate for transactions.\nThe current Monthly Periodic Rate and the Annual Percentage\nRate for cash advance transactions is the same as the\npurchase rate for your card. This rate is subject to increase\nor decrease monthly in accordance with changes in the\nPrime Rate, as set forth in more detail in the paragraph\nabove on Prime Rate Adjustments. An increase may result in\na higher minimum monthly payment.\nFINANCE CHARGE ON PURCHASES: Whenever any\nportion of the amount shown as the Previous Balance in the\ncurrent statement remains unpaid after the due date shown\non the previous statement, a Finance Charge will be\nimposed on the Purchases reflected in the New Balance on\nmy current statement.\nHowever, any new Purchases that are reflected for the first\ntime on my current statement will not be subject to a Finance\nCharge during the Billing Cycle reflected in the current\nstatement if: (a) I have no Previous Balance on my current\nstatement (b) the payments and credits received by you are\nat least equal to the Previous Balance that appears on my\ncurrent statement. All other new Purchases will be \xe2\x80\x9cPurchases\nthat are subject to a Finance Charge\xe2\x80\x9d.\nYou will charge a Finance Charge on the \xe2\x80\x9cPurchases that are\nsubject to a Finance Charge\xe2\x80\x9d from the date they are posted\nto my Account. The minimum Finance Charge, if any,\nimposed on Purchases posted to the Account will not be less\nthan $0.50.\nThe monthly Periodic Rate and the Annual Percentage Rate\non Purchase Transactions in effect during any billing cycle is\ndetermined by adding a margin to the Prime Rate as set\nforth in more detail in the paragraph above on Prime Rate\nAdjustments.\nDEFAULT RATE: Regardless of any other provision in your\nAgreement to the contrary (including any introductory or\npromotional rates), you may, when permitted by applicable\nlaw, impose a higher monthly Periodic Rate and corresponding Annual Percentage Rate (a \xe2\x80\x9cDefault Rate\xe2\x80\x9d) to my Account\nif I fail to pay the total amount due shown on my monthly\nstatement by sixty days (60) after the payment due date.\nThe Default Rate may vary, and is calculated by adding 19.90%\nto Wall street Journal prime rate to determine my current\nAnnual Percentage Rate. The maximum default rate (CAP)\nis 23.15%. The Default Rate will take effect on the first day of\nthe Billing Cycle that follows a Triggering Event (failure to pay\nthe total amount due by sixty (60) days after the scheduled\ndue date), and will apply to my outstanding balances in effect\nand any new Purchase and Cash Advance transactions. The\nDefault Rate will remain in effect until I have paid six\nconsecutive timely monthly payments immediately following\nthe effective date of the increase (the \xe2\x80\x9cDefault Rate Period\xe2\x80\x9d).\nHOW YOU DETERMINE THE AVERAGE DAILY BALANCE\nON WHICH MY FINANCE CHARGE IS COMPUTED: We\ncalculate the finance charge on your account by applying the\nperiodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account\n(including current transactions). To get the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d we take the beginning balance of your account\neach day, add any new [purchases/advances/loans], and\nsubtract any payments or credits, [and unpaid finance\ncharges]. This gives us the daily balance. Then, we add up\nall the daily balances for the billing cycle and divide the total\n\n2\n\n3\n\n4\n\nHow We Will Calculate Your Balance: We use a\nmethod Called \xe2\x80\x9caverage daily balance (including new\npurchases). See your account agreement for more\ndetails.\nBilling Rights: Information on your rights to dispute\ntransactions and how to exercise those rights is\nprovided in your account agreement.\n\nby the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nHOW YOU DETERMINE MY TOTAL FINANCE CHARGE:\nIf payment in full was not received by you for the entire \xe2\x80\x9cNew\nBalance\xe2\x80\x9d by the Payment Due Date, then you will calculate\nthe Finance Charges on my account by applying the Monthly\nPeriodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d on my account\nfor Purchases and to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d on my\naccount for Cash Advances. If payment in full for the entire\n\xe2\x80\x9cNew Balance\xe2\x80\x9d shown on my statement for the previous\nBilling Cycle was received by you by the Payment Due Date,\nI will not be subject to the Finance Charges on the \xe2\x80\x9cPurchases\xe2\x80\x9d\nportion (which consists of transactions related to purchases\nof goods and services) of my account for that Billing Cycle.\nThis is known as a \xe2\x80\x9cGrace Period\xe2\x80\x9d. However, there is no\n\xe2\x80\x9cGrace Period\xe2\x80\x9d for Cash Advances. You will assess Finance\nCharges on the Cash Advance portion of my account from\nthe date such Cash Advances are posted to my account until\nthe date of payment (even if payment of the entire \xe2\x80\x9cNew\nBalance\xe2\x80\x9d is received by you by the Payment Due Date).\nThen, you will take the sum of the Monthly Periodic Finance\nCharge on my Purchases balance and the Monthly Periodic\nFinance Charge on my Cash Advances balance for the\nbilling cycle. This determines my total Finance Charge for\nthe billing cycle. Actual Finance Charges will be shown on\nmy periodic statement.\nCASH BACK REWARDS (Applies to Elite Rewards Visa.):\nOne percent (1%) of purchases (less returns) posted to my\naccount each year will be rebated. BALANCE TRANSFERS\nand CASH ADVANCES are not eligible for this program.\nRewards (rebates) are paid only on current accounts and\nawarded each year. Points may accumulate from one year to\nthe next. Please review your program booklet for information\non redeeming.\nCASH BACK REWARDS (Applies to School Rewards\nVisa): One percent (1%) of purchases (less returns) posted\nto my account each year will be rebated. BALANCE\nTRANSFERS and CASH ADVANCES are not eligible for this\nprogram. Rewards (rebates) are paid only on current accounts\nand awarded each year. Rewards are redeemed and sent to\nthe school of my choice once a year at your discretion.\nSECURITY INTEREST (APPLIES ONLY TO SECURED\nACCOUNTS): I grant you a security interest in my Share\nSavings Account as indicated on the Secured Account\nAuthorization, and I understand that the interest in my Share\nSavings Account is required by you as a condition for\ngranting me a Secured Account. I agree not to give anyone\nother than you an interest in my Share Savings Account. I\nagree not to permit any third parties, other than you, to make\nwithdrawals from my Share Savings Account. I authorize you\nto place a hold on the account, and I agree that you may\nrefuse to allow any withdrawal or payment from the Share\nSavings Account, if allowing the withdrawal or payment would\ncause the amount remaining in the Share Saving Account to\nfall below the credit limit or outstanding balance, whichever is\nhigher. If I default, you may at any time thereafter and without\nadvance warning to me apply all or part of my Share Savings\nAccount balance to the satisfaction of amounts owed on my\nAccount. If the balance in my Share Savings Account is not\nsufficient to repay the amounts owed on my Account, I agree\nto immediately pay the remaining balance.\nPROMOTIONAL PROGRAMS: From time to time, you may\noffer a promotional Periodic Rate on all or a portion of Cash\n5\n\nAdvance or Purchase balances in my Account (\xe2\x80\x9cPromotional\nBalances\xe2\x80\x9d). If I take advantage of a Promotional Balance\nProgram, the resulting Promotional Balance will be subject to\nthe terms of that specific promotional offer and this Agreement. Any promotional Periodic Rate will apply to those\nPromotional Balances until the last day specified in the\nPromotional Balance offer, the date the Account is closed to\nfuture transactions, or the date the Account becomes subject\nto a Default rate as provided in this agreement (the \xe2\x80\x9cTermination Date\xe2\x80\x9d). Beginning on the first day of a Billing Cycle\nfollowing the Termination Date, the Periodic Rate applied to\nPromotional Balances will be determined as described above\nthe Section \xe2\x80\x9cHow You Determine My Total Finance Charge.\xe2\x80\x9d\nIn each Promotional Balance Program, any terms of the\nprogram not disclosed in this agreement (such as the Annual\nPercentage Rate, effective dates and any grace period) will\nbe detailed in the Promotional Balance offer.\nPAYMENT: I promise to repay you at your office all sums\nadvanced to me or any person I permit to use this account\non the terms and conditions set forth herein. Payments will\ncontinue until I have paid in full the unpaid balance, Finance\nCharges and any other fees and charges.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though I\nneed only pay the Minimum Monthly Payment Due, I\nunderstand that I have the right to repay my balance at any\ntime without penalty. I also understand I will only be charged\nFinance Charges to the date I repay my entire balance. I\nmay make larger payments without penalty and this may\nreduce the total amount of Finance Charges that I will repay.\nAny partial payment of my balance will not advance my next\npayment due date(s). I understand that any payment that (a)\ndelays or (b) accelerates the repayment of my unpaid\nbalance will (a) increase or (b) decrease my Periodic\nFinance Charges.\nMINIMUM MONTHLY PAYMENT: Every month, I must pay at\nleast the Minimum Monthly Payment due by the Payment\nDue Date shown on my statement. I may, of course, pay\nmore frequently, pay more, or pay the New Balance in full\nand I will reduce my periodic Finance Charge by doing so.\nThe Minimum Monthly Payment will be either (a) 2% of my\nNew Balance or $10.00, whichever is greater, or (b) my New\nBalance, if it is equal to or less than $10.00. In addition, I\nmust pay any amount shown on my statement as past due\nand any late charge. Lastly, at any time my New Balance\nexceeds my Credit Limit, I must pay the excess as well as\nany Overlimit Charges.\nI understand that my Payments are applied in the following\norder: a) unpaid Periodic Finance Charges on Promotions,\nb) the unpaid Periodic Finance Charge on Purchases, c) the\nunpaid Periodic Finance Charge on Cash Advances, d) the\nunpaid fees and charges, if any, e) the unpaid balances on\nPromotional Rates, f) the unpaid balance of Purchases, and\ng) the unpaid balance of Cash Advances.\nDEFAULT MINIMUM MONTHLY PAYMENT: Regardless of\nany other provision in your Agreement to the contrary\n(including minimum monthly payment), you may, when\npermitted by applicable law, impose a higher monthly\npayment (a \xe2\x80\x9cDefault Payment\xe2\x80\x9d) to my Account if I fail to pay\nthe total amount due shown on my monthly statement by\nthirty days (30) after the payment due date.\nThe Default Payment will be either (a) 3% of my New\nBalance or $10.00, whichever is greater, or (b) my New\n6\n\nBalance, if it is equal to or less than $10.00. In addition, I\nmust pay any amount shown on my statement as past due\nand any late charge. Lastly, at any time my New Balance\nexceeds my Credit Limit, I must pay the excess as well as\nany Overlimit Charges. The Default Payment will remain in\neffect until I close my account.\nMINIMUM FINANCE CHARGE: I will be charged a minimum\nFinance Charge of $0.50 in any month a Finance Charge is\nimposed.\nLATE CHARGE: If my current Minimum Monthly Payment is\nnot received by you within five (5) days following my\npayment due date, I will be charged a late charge of $7.00.\nRETURN CHECK CHARGE: A charge of $18.00 will be\nadded to my account for each payment I make to you by\ncheck which is returned to you for lack of sufficient funds.\nSTOP PAYMENT FEE: A charge of $15.00 will be added to\nthe Purchase balance of my Account if I ask to stop payment\non any credit card check drawn on my Account.\nTRANSACTION FEE FOR CASH ADVANCES: I will be\ncharged a transaction fee on each cash advance I initiate,\nwhether I receive cash or a check, equal to 3% of the\nadvance with a minimum fee of $5.00.\nTRANSACTION COPY FEE: I may obtain copies of my\ntransaction slips. I understand that I will be subject to a fee\nof $10 for each transaction that I request.\nBALANCE TRANSFER FEE: I may be charged a transaction fee on each balance transfer I initiate, equal to 2% of the\ntransfer amount, with a minimum of $5.00 per transfer.\nCREDIT LIMIT: You will establish a Credit Limit for me. I\nagree not to let the unpaid balance exceed this Credit Limit. I\nagree to advise you of any change in my financial condition\nwhich may affect my credit worthiness. I agree that I shall\nupdate the credit information that I have provided you, from\ntime to time, on your demand. I may request an increase in\nmy Credit Limit, but Credit Limit increases must be approved\nby you.\nPURCHASES AND ADVANCES: I may make Purchases\nand request Cash Advances in accordance with then current\nloan policies up to my Credit Limit but not exceeding the\nsecurity CAP. I understand that all purchases and other\ntransactions requested by me are subject to your approval.\nUSING THE CARD: To make a Purchase or obtain a Cash\nAdvance, there are two alternative procedures to be\nfollowed. One is for me to present the card or card number\nto a participating Visa plan merchant, to you, or to another\nfinancial institution, and sign or authorize a sales or cash\nadvance draft. The other is to complete the transaction by\nusing my Personal Identification Number (PIN) in conjunction\nwith the card in an Automated Teller Machine or other type of\nelectronic terminal that provides access to the Visa systems.\nILLEGAL TRANSACTIONS: I must not use my Card for any\nunlawful purpose. I agree that I will not use your Card or\naccount for any transaction that is illegal under any\napplicable law.\nELECTRONIC FUND TRANSFER: In the event use of my\ncard, or the account number of the card constitutes an\nElectronic Fund Transfer, the terms and conditions of my\nElectronic Fund Transfer Agreement and Disclosure with you\nshall govern such transactions to the extent the Electronic\nFund Transfer Agreement and disclosure expands or\namends this Agreement.\n7\n\n\x0c'