b'FIFTH THIRD BANK CARD AGREEMENT\nF03-W294-8-1120\nThis Fifth Third Bank Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), which includes your Rate and Fee Summary, is your\ncontract with us. Please read it carefully and retain it for your records.\nAcceptance of Agreement. You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card\nor if you use, or authorize another to use, the Account.\nChanges to the Agreement. The rates, fees and terms of this Agreement may change and we may add or delete any term to\nthis Agreement. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nDEFINITIONS\nAccount: the credit card account with us established by this Agreement.\nAPR: annual percentage rate.\nAuthorized User: any person you allow to use your Account.\nBusiness Day: Monday through Friday, excluding Federal Reserve Bank holidays.\nCard: one or more cards or other access devices, including your account number or virtual card, that we issue to you, or\nsomeone you authorize, to receive credit under this Agreement.\nCovered Barrower: A consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members\nand Dependents under 32 C.F.R. \xc2\xa7 232 (the Military Lending Act Regulations).\nPrime Rate: the United States Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table of The Wall Street Journal (WSJ) two business\ndays prior to the end of your billing cycle.\nwe, us or our: Fifth Third Bank, National Association the issuer of your Card.\nyou, your or yours: the person who applied for the account and any other person who is responsible for complying with this\nAgreement.\nUSING YOUR ACCOUNT\nYou agree to use your Account in accordance with this Agreement. You agree to pay us for all amounts due on your Account.\nThis includes charges made by Authorized Users. You agree to not use your Account for illegal transactions.\nAuthorized Users. You may request Cards for Authorized Users. You must notify us if you wish to cancel the authority of an\nAuthorized User to use your Account.\nJoint Accounts. If this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed on\nthe Account, even if only one of you uses the Account. Each of you also agrees that any notice we send to either of you will\nserve as notice to both of you.\nCredit Limit. We will inform you of your credit limit from time to time. You must keep your Account balance at or below your\ncredit limit. If you do not, you must still pay us. We may designate part of your credit limit as a cash advance limit. We may\nincrease or decrease your credit limit or your cash advance limit at any time, without notice. Your available credit may not be\nrestored for up to 7 days after we receive your payment.\nBalance Transfers. You may use your Card to transfer balances from other creditors or to make other transactions by means of\nbalance transfer coupons or checks.\nCash Advances. You have obtained a cash advance if you use your Account to:\n\xe2\x80\xa2obtain cash from an ATM, \xef\xac\x81nancial institution, or other location;\n\xe2\x80\xa2 use a convenience check;\n\xe2\x80\xa2 access Ready Reserve Overdraft Protection;\n\xe2\x80\xa2 purchase items that are convertible to cash, such as lottery tickets, money orders, casino chips, foreign currency,\nor similar items; or\n\xe2\x80\xa2 make a person-to-person transfer conducted through the Internet or otherwise.\nConvenience Checks. We may send you convenience checks to access your Account. These checks are treated as\ncash advances, unless we tell you otherwise. All convenience checks must be written in U.S. dollars. You may not use a\nconvenience check to pay any amount you owe us or our af\xef\xac\x81liate.\nReady Reserve Overdraft Protection. You may set up this Account with Ready Reserve Overdraft Protection to cover overdrafts\non your checking account. Ready Reserve Overdraft Protection transactions are cash advances, subject to the cash advance\nAPR, but not the cash advance fee. Ready Reserve Overdraft Protection transactions do not receive a Grace Period before\ninterest charges begin. If you enroll in Ready Reserve Overdraft Protection, you may also use your Card to withdraw available\nfunds from your checking account at an ATM by entering your Personal Identi\xef\xac\x81cation Number (PIN) and selecting withdraw\nfrom checking when prompted. The terms of this Agreement and the Deposit Account Rules & Regulations apply to any Ready\nReserve Overdraft Protection transaction as well as any withdrawal from your checking account using your Card at an ATM.\nStandard ATM fees apply.\nUse of Card for Electronic Fund Transfer (EFT) and Electronic Banking Services. If you use your Card as an ATM card, the\nterms of this Agreement and the Rules and Regulations Applicable to All Fifth Third Bank Consumer and Business Banking\nAccounts and Cards will apply.\n1\n\n\x0cElectronic Access. Smart phones, tablets, and other electronic devices can store your Card (such as through a mobile wallet).\nThis means they can be used to get credit under this Agreement. Any such transaction is covered by this Agreement. Secure\nyour mobile device against unauthorized access. Anyone who can access your Card using your device can make charges\nto your Account. Apps that use your Card to get credit may have separate terms of use. We are not responsible if you violate\nthose terms or for any consequences from violating those terms.\nCredit Authorizations. We do not guarantee your Card will be accepted by any merchant. We can reject or refuse to approve\nany transactions, including any convenience check or Ready Reserve Overdraft Protection transaction. If your Card is refused\nby a merchant or a transaction is denied by us, we are not liable to you.\nSecured Account. If this is a Secured Account, you have granted us a security interest in the funds in your personal Fifth Third\nSavings Account (Secured Bank Account), including any funds deposited following the effective date of this Agreement. This\nsecurity interest is an express condition for your Account. Funds equal to at least 100% of your credit limit must remain on\ndeposit during the term of this Agreement in accordance with the Savings Account Assignment you signed at application.\nFEES\nAnnual Fee. If an annual fee applies, the Rate and Fee Summary shows it. The fee is charged the day we open your Account,\nand each year thereafter on the anniversary date. We will refund this fee if you tell us to close your Account within 30 days after\nwe issue the Card and you have not used or authorized use of the Card. We will refund this fee upon renewal if you tell us to\nclose your Account within 30 days after we mail or deliver the statement showing the fee. The fee is otherwise non-refundable.\nBalance Transfer Fee. We charge a fee for each balance transfer. The fee is 4% of the amount of each transfer, but not less\nthan $5.\nCash Advance Fee. We charge a fee for each cash advance. The fee is 5% of the amount of each advance, but not less than\n$10. This fee is in addition to any other transaction fee you may be charged. We do not impose a cash advance fee on a\nReady Reserve Overdraft Protection transaction.\nConvenience Check Fee. We charge a fee for each convenience check. The fee is 4% of the amount of each check, but not\nless than $5. We do not also impose a cash advance fee on a convenience check.\nExpedited Card Delivery Fee. We charge a fee of $30 for expedited delivery of your Card. If your Card is a Fifth Third Preferred\nCash/Back Card, then we will waive this fee.\nInternational Transaction Fee. Unless the Rate and Fee Summary accompanying your Card indicates otherwise, for any\ntransaction outside the United States, processed outside the United States, or in a foreign currency, we charge a fee equal to\n3% of the U.S. dollar amount of each transaction. This fee is in addition to any other transaction fee you may be charged.\nLate Fee. If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. The fee is $29,\nunless you incurred a late fee during any of the prior six billing cycles. If you did, the fee is $40. This fee will not exceed the\namount permitted by law.\nAPRs AND INTEREST CHARGES BASED ON APRs\nAccount APRs. For the APRs on your account, see the Rate and Fee Summary.\nVariable APRs. If an APR is variable, it is determined by adding a number of percentage points to the Prime Rate. The\nAdditional Rate Information table in the Rate and Fee Summary speci\xef\xac\x81es the number of percentage points we add. Variable\nAPRs increase or decrease when the Prime Rate changes but will not exceed 29.99% (corresponding Daily Periodic Rate of\n0.08216%). An APR change will take effect on the \xef\xac\x81rst day of the billing cycle in which we determine the interest rate based on\nthe changed Prime Rate. An increase in an APR will increase your interest charges and may increase your Minimum Payment\nDue. If The Wall Street Journal (WSJ) does not publish the Prime Rate, we will use a similar published rate.\nInterest Charge Calculation. We impose interest on your Account using the average daily balance method (including new\ntransactions). To calculate interest we \xef\xac\x81rst calculate a separate daily balance for each balance on your Account. (For example\ncurrent purchases, balance transfers, cash advances, and different promotional balances. Your balances are shown on your\nstatement.) To calculate the daily balance, we start with the balance at the end of the previous day, which includes any unpaid\ninterest charges on that balance. (This results in compounding of interest.) We add any new transactions, interest, or fees and\nsubtract any new credits or payments allocated to that balance, and make other adjustments.\nWe treat a daily balance less than zero as a balance of zero. We add a transaction to the daily balance as of the transaction\ndate. We add a transaction fee to the same balance as the transaction. We generally add other fees to the current purchase\nbalance.\nFor each balance, we add up all the daily balances and divide by the number of days in the billing cycle. This gives us the\nAverage Daily Balance for that balance. To calculate the total interest for each balance, we then multiply the average daily\nbalance by its daily periodic rate and the number of days in the billing cycle. The daily periodic rate equals the APR divided by\n365 (366 if a leap year). You authorize us to round interest charges to the nearest cent.\nWe may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest\ncharges and related amounts.\n\n2\n\n\x0cAVOIDING INTEREST\nWhen Interest Charges Begin. Interest charges begin on a transaction, fee or interest charge from the day we add it to the\ndaily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid interest on\npurchases (i.e. a \xe2\x80\x9cGrace Period\xe2\x80\x9d), but not on balance transfers or cash advances.\nGrace Period. If you did not have a Previous Balance, or if you paid the Previous Balance by the Payment Due Date, we will not\nimpose interest charges on purchases on your current statement.\nHow We Apply Payments May Impact Your Grace Period. If you do not pay your New Balance in full each month by your\npayment due date, depending on the balance to which we apply your payment, you may not receive a Grace Period on new\npurchases.\nMinimum Interest Charge. If we charge interest, the minimum interest charge will be $1.50.\nPAYMENTS\nPayment Instructions. We credit your payments in accordance with the terms on your statement. If you mail your payment to\nan address other than the payment address shown on your statement, there may be a delay in crediting the payment to your\nAccount. We can accept late payments, partial payments or payments marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d or with any other restrictive\nendorsement, without losing any of our rights under this Agreement. You must pay us in U.S. dollars in funds on deposit in the\nU.S. If you do not, we may refuse to accept your payment. We may also charge you the costs we incurred to collect the funds\nand we may select the currency conversion rate.\nMinimum Payment Due. You may pay all or any part of your balance at any time. You must pay at least the Minimum Payment\nDue by the Payment Due Date on your statement each month. Your Minimum Payment Due includes any amount past due, any\namount by which your Account exceeds its credit limit, and the greater of:\n\xe2\x80\xa2 $35.00; or\n\xe2\x80\xa2 1.0% of the New Balance plus fees (excluding Balance Transfer, Convenience Check and Cash Advance fees) plus interest\ncharges.\nHow We Apply Payments. We apply payments up to the Minimum Payment Due at our discretion. This may result in balances\nat lower APRs being paid before other balances. This may also result in higher interest charges. Payments in excess of the\nMinimum Payment Due will be applied consistent with law.\nAutomatic Billing. You may set up automatic billing with a merchant. If your Account Number or expiration date changes, you\nauthorize us to provide the merchant with this information at our discretion. To stop automatic billing, you must contact the\nmerchant directly.\nOTHER INFORMATION\nDefault. You are in default if:\n\xe2\x80\xa2 You do not comply with the terms of this Agreement or any agreement with us or an af\xef\xac\x81liate, including failing to make a\nrequired payment when due, exceeding your credit limit, or using your Card or Account for an illegal transaction;\n\xe2\x80\xa2 A bankruptcy or other insolvency proceeding is \xef\xac\x81led by or against you;\n\xe2\x80\xa2 We have a reasonable belief that you are unable or unwilling to repay your obligations to us; or\n\xe2\x80\xa2 You die or are legally declared incompetent or incapacitated.\nIf you are in default, we reserve the right to declare the entire Account balance immediately due and payable without notice. If\nthis is a Secured Account, you authorize us to apply all of the funds in the Secured Bank Account to your outstanding Account\nbalance.\nCollection Costs. If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These\ninclude reasonable attorneys\xe2\x80\x99 fees, court or other collection costs, and the fees and costs of any appeal.\nPrivacy Policy. You authorize us to share information about you and your Account as permitted by law. See our Privacy Policy\nfor details about our information sharing practices.\nCredit Reporting. We may from time to time review your credit, employment, and income records. On request, we will give you\nthe name and address of any consumer reporting agency that furnished a report on you. We may report information about the\nstatus and payment of your Account to credit bureaus and other creditors. We may report this information in your name and\nthe names of authorized users. If you think we reported incorrect information, please write to us at Fifth Third Bank, Attn: Credit\nBureau Dispute, 5050 Kingsley Drive, MD: 1MOCOP, Cincinnati, OH 45227.\nMilitary Lending Act Protections. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspeci\xef\xac\x81ed credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). To receive this disclosure by phone, please call 877-899-0815, option 4.\nUnauthorized Use. You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe\nsomeone is using your Account or a Card without your permission.\nClosing Your Account. You may cancel your Account at any time. You will remain responsible for any amount you owe us under\nthis Agreement. We may cancel, suspend or not renew your Account at any time, for any reason, without notice.\nClosing Secured Accounts. If you or we close your Account for any reason, you authorize us to apply the funds in the Secured\nBank Account to your Account balance. If the Account balance exceeds the amount of funds in your Secured Bank Account,\nyou will remain liable for any outstanding Account balances, including fees or charges that may subsequently be charged to\n3\n\n\x0cthe Account, until the Account balance is paid in full. We will release our security interest in the Secured Bank Account and\nour hold on the funds in the Secured Bank Account within 90 days after this credit card Account is closed and the Account\nbalance is paid in full.\nForeign Transactions. Transactions in a foreign currency are converted to U.S. dollars by our network providers (Visa and\nMastercard) using their procedures in effect at the time the transaction is processed. Currently, they use a governmentmandated or wholesale rate. These procedures may change without notice. The conversion rate you get may differ from the\nrate on the transaction or post date, and from the rate our network provider gets. A merchant or other third party may convert a\ntransaction into U.S. dollars or another currency, using a rate they select, before sending it to our network provider.\nGoverning Law. This Agreement is governed by applicable federal law and by Ohio law, without regard to Ohio\xe2\x80\x99s con\xef\xac\x82ict of laws\nprinciples. However, in the event you default and we \xef\xac\x81le a lawsuit to recover funds loaned to you, the statute of limitations of\nthe state where the lawsuit is \xef\xac\x81led will apply, without regard to that state\xe2\x80\x99s con\xef\xac\x82icts of laws principles or its \xe2\x80\x9cborrowing statute.\xe2\x80\x9d\nSeverability. If any part of this Agreement is found to be invalid, the rest shall remain in effect.\nNo Waiver. We will not lose our rights under this Agreement because we delay or do not enforce them.\nAssignment. We may assign any or all of our rights and obligations under this Agreement, without notice to you. You may not\nassign any of your rights or obligations under this Agreement.\nCOMMUNICATIONS WITH US\nContact Us. Unless we tell you otherwise, you can notify us at Fifth Third Bank, Customer Service, MD: 1MOC2G, 5050 Kingsley\nDrive, Cincinnati, OH 45227, or call us at 800-972-3030. When writing, please include your name, address, home telephone\nnumber and Account number.\nContact with You. To the extent permitted by applicable law, you authorize us and our af\xef\xac\x81liates, agents, and contractors, and\nanyone to whom we may sell your Account, to contact you to service your account or for collection purposes.\n\xe2\x80\xa2 You agree that these contacts are not unsolicited for purposes of any state or federal law;\n\xe2\x80\xa2 To contact you in any way, including mail, email, calls, and texts, including on a mobile, wireless, or similar device, even if\nyou are charged by your provider, and using automated telephone equipment or prerecorded messages;\n\xe2\x80\xa2 To contact you at any number that you have given us or any number we have for you in our records, including your cellular or\nother wireless device, even if that number is a wireless, cellular or mobile number; is converted to a mobile/wireless number;\nor connects to any type of mobile/wireless device; and even if such telephone number is currently listed on a Do Not Call\nRegistry. You understand that communications may result in additional mobile, text message, data charges or other charges.\n\xe2\x80\xa2 To contact you at any email address you provide to us or any other person or company that provides any services in\nconnection with this Agreement.\nMonitoring and Recording. You authorize us to monitor and/or record your calls with us.\nUpdated Contact Information. You agree to notify us within 15 days after changing your e-mail address, mailing address, or\nphone number.\nARBITRATION AND JURY TRIAL WAIVER\nNOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to\narbitration in the case of a dispute. If you were a Covered Borrower under the Military Lending Act Regulations with\nregard to any prior agreement, this arbitration clause does not cover any claims related to that prior agreement.\nClaim. Any claim, dispute or controversy between you and us arising from or relating to this Agreement, any prior agreement\nthat you may have had with us or the relationships resulting from the Agreement or any prior agreement, including the validity,\nenforceability or scope of this provision, the Agreement or any prior agreement. Claim includes claims of every kind and\nnature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon\ncontract, tort, fraud and other intentional torts, statute, common law and equity. The term Claim is to be given the broadest\npossible meaning and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or\nrelates to (a) the Account created by the Agreement or any prior agreement or any balances on the Account, (b) the Card, (c)\nthe EFT services or Ready Reserve Overdraft Protection feature, (d) advertisements, promotions or oral or written statements\nrelated to the Card, the Account or the terms of \xef\xac\x81nancing, and (e) your use of the Card and the Account.\nIf you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. We cannot elect to arbitrate a Claim\nwith a Covered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead\nof litigated in court under the circumstances and procedures set forth below. If arbitration is elected, any Claim will be resolved\npursuant to this provision and the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) rules and procedures (\xe2\x80\x9cRules\xe2\x80\x9d) in effect at the\ntime the Claim is \xef\xac\x81led. (If for any reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another\nnationally recognized arbitration organization utilizing similar rules and procedures will be substituted by us.)\nWith respect to Claims covered by this provision, if you have asserted a Claim in a lawsuit in court you may elect arbitration\nwith respect to any Claim subsequently asserted in that lawsuit by any other party or parties. If we have asserted a Claim in a\nlawsuit in court, we may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other party or\nparties, only if no other party is a Covered Borrower.\nIF ARBITRATION IS CHOSEN WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE\nTHAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY\nEXCEPT AS PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A\n\n4\n\n\x0cREPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.\nEXCEPT AS SET FORTH BELOW, THE ARBITRATOR\xe2\x80\x99S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER\nRIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.\nThe AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by visiting the AAA\xe2\x80\x99s Web site at www.\nadr.org. All Claims must be \xef\xac\x81led at any AAA of\xef\xac\x81ce.\nThere will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration hearing that you attend will\ntake place in the federal judicial district in which you reside. At your written request, we will temporarily advance up to $500\ntowards the \xef\xac\x81ling, administrative and/or hearing fees for any Claim that you may \xef\xac\x81le against us after you have paid an amount\nequivalent to the fee, if any, for \xef\xac\x81ling such a Claim in state or federal court (whichever is less) in the judicial district in which\nyou reside. At the conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the \xef\xac\x81ling,\nadministrative and/or hearing fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will\nbear the expense of that party\xe2\x80\x99s attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, regardless of which party prevails in the arbitration.\nThis provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration\nAct, 9 U. S. C. \xc2\xa7\xc2\xa7 1 et seq., as amended (\xe2\x80\x9cFAA\xe2\x80\x9d). The arbitrator will apply applicable substantive law consistent with the FAA\nand applicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered\nby the arbitrator may be entered in any court having jurisdiction. The arbitrator\xe2\x80\x99s decision will be \xef\xac\x81nal and binding, except for\nany right of appeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal\nthe award to a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award\nrequested by the appealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne\nby the appealing party regardless of the outcome of the appeal.\nAs solely used in this provision, the terms we and us will for all purposes mean Fifth Third Bank, National Association, all of its\nparents, wholly- or majority-owned subsidiaries, af\xef\xac\x81liates, predecessors, successors and assigns, and all of their independent\ncontractors, agents, employees, directors and representatives.\nThis provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in\nconnection with this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or statute\nconsistent with the FAA, it will not invalidate the remaining portions of this arbitration provision or the Agreement. In the event of\na con\xef\xac\x82ict or inconsistency between the AAA Rules and this arbitration provision, this provision will govern.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us at:\nFifth Third Bank, Attn: Disputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, OH 45227.\nYou may also contact us at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) and Saturday 8:30 AM to 5 PM (EST).\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of potential errors in writing or by calling us. You may still be required to pay the amount(s) in question if the\nBank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as\npossible at 800-782-0279.\n\n5\n\n\x0cWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to\nthat amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the \xef\xac\x81rst $50.00 of the amount you question even if your bill is\ncorrect.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatis\xef\xac\x81ed with the goods or services that you have purchased with your credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own or operate the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatis\xef\xac\x81ed with the purchase, contact us in writing at: Fifth Third Bank, Attn:\nDisputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, Ohio 45227.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we \xef\xac\x81nish our investigation, we will\ntell you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nFifth Third Bank, National Association. Member FDIC.\n\nF03-W294-8 -1120\n6\n\n\x0cFifth Third Cash/Back & Fifth Third Preferred Cash/Back Card\n\nPlease Note: If you apply for and receive a Fifth Third Cash/Back or Fifth Third Preferred Cash/Back Card your existing Rewards Points will remain available for redemption, but only as cash back in the form\nof a credit card statement credit or deposit into your Fifth Third checking or savings account. Other redemption options, such as gift cards, merchandise, travel and experiences, will no longer be available.\nPlease see Rewards Terms and Conditions for details.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n15.49% to 25.49% when you open your account, based on your\ncreditworthiness. After that, your APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR for the \xef\xac\x81rst 12 billing cycles after the account is opened.\nAfter that, your APR will be15.49% to 25.49% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n24.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay your entire balance by the due date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fees\n\xe2\x80\xa2 Annual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 4% of the amount of each transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Convenience Check\n\nEither $5 or 4% of the amount of each check, whichever is greater.\n\n\xe2\x80\xa2 International Transaction\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nImportant Information About Introductory or Promotional Rates: If you transfer a balance at the introductory rate, any\npurchases you make with your card will be charged interest unless you pay the entire balance (including any transferred balances)\nin full by the payment due date. To avoid paying interest after the introductory rate expires, you must pay your entire balance on\nyour billing statement by the payment due date.\nLoss of Promotional Annual Percentage Rate (APR): We may end any promotional (including introductory) APR(s) and apply the\nstandard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate.\nVariable APRs for Purchases, Balance Transfers and Cash Advances: The Purchase and Balance Transfer APR is calculated\nusing the Prime Rate (\xe2\x80\x9cPrime\xe2\x80\x9d) plus a margin (percentage we add to Prime) of 12.24%, 14.24%, 18.24%, or 22.24%. The Cash\nAdvance APR is calculated using Prime plus a margin of 21.74%.\nVariable Based on Prime: The Prime Rate means the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the online version\nof The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your billing cycle.\nChanges to the Daily Periodic Rate and corresponding APR for Purchases, Balance Transfers and Cash Advances will be applied\nto your existing Account balance and to subsequent transactions effective the \xef\xac\x81rst day of the billing cycle in which we determine the\ninterest rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily Periodic Rate and the\nAPR, and as a result, the interest charge and the Minimum Payment Due will change and may result in a smaller part of your\npayment being applied to reduce principal.\nInformation is accurate as of 01/01/2021 and may have changed after that date. To obtain more recent information, please call us at\n800-972-3030.\n\n\x0cTruly Simple\xc2\xae Credit Card Rates, Fees, Terms and Conditions\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% introductory APR for the \xef\xac\x81rst 15 billing cycles after the account is opened.\nAfter that, your APR will be 11.99% to 22.99% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR for the \xef\xac\x81rst 15 billing cycles after the account is opened.\n\nAPR for Cash Advances\n\n24.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay your entire balance by the due date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nAfter that, your APR will be 11.99% to 22.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fees\n\xe2\x80\xa2 Annual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 4% of the amount of each transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Convenience Check\n\nEither $5 or 4% of the amount of each check, whichever is greater.\n\n\xe2\x80\xa2 International Transaction\n\n3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nImportant Information About Introductory or Promotional Rates: If you transfer a balance at the introductory rate, any\npurchases you make with your card will be charged interest unless you pay the entire balance (including any transferred\nbalances) in full by the payment due date. To avoid paying interest after the introductory rate expires, you must pay your entire\nbalance on your billing statement by the payment due date.\nLoss of Promotional Annual Percentage Rate (APR): We may end any promotional (including introductory) APR(s) and apply\nthe standard APR for Purchases or Balance Transfers, as appropriate, if you make a late payment.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate.\nVariable APRs for Purchases, Balance Transfers and Cash Advances: The Purchase and Balance Transfer APR is calculated\nusing the Prime Rate (\xe2\x80\x9cPrime\xe2\x80\x9d) plus a margin (percentage we add to Prime) of 8.74%, 10.74%, 14.74% or 19.74%. The Cash\nAdvance APR is calculated using Prime plus a margin of 21.74%.\nVariable Based on Prime: The Prime Rate means the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the online version\nof The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your billing cycle.\nChanges to the Daily Periodic Rate and corresponding APR for Purchases, Balance Transfers and Cash Advances will be\napplied to your existing Account balance and to subsequent transactions effective the \xef\xac\x81rst day of the billing cycle in which\nwe determine the interest rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily\nPeriodic Rate and the APR, and as a result, the interest charge and the Minimum Payment Due will change and may result in a\nsmaller part of your payment being applied to reduce principal.\nInformation is accurate as of 01/01/2021 and may have changed after that date. To obtain more recent information, please call us\nat 800-972-3030.\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPCU Visa Platinum/Affinity Rewards - UPMA\nAffinity Rewards - A-Plus/Affinity Rewards - NRLCA\n\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.90%\ncreditworthiness.\n\nto 16.90%, based on your\n\nAPCU Choice/Center Parc Choice\n\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.25% to 15.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPCU Platinum Rewards/APCU Signature Rewards/Center Parc\nPlatinum Rewards/Center Parc Signature Rewards/Affinity Georgia\nState Rewards/APCU Momentum/Center Parc Momentum\n\n0.00% Introductory APR for a period of six billing cycles.\n\nAfter that, your APR will be 9.25% to 17.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nAPCU Visa Platinum/Affinity Rewards - UPMA\nAffinity Rewards - A-Plus/Affinity Rewards - NRLCA\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.90% to 16.90%, based on your\ncreditworthiness.\nAPCU Choice/Center Parc Choice\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.25% to 15.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPCU Platinum Rewards/APCU Signature Rewards/Center Parc\nPlatinum Rewards/Center Parc Signature Rewards/Affinity Georgia\nState Rewards/APCU Momentum/Center Parc Momentum\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.25% to 17.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n01000038-MXC10-C-2-061821 (MXC102-E)\n\n\x0cAPR for Convenience Checks\n\nAPCU Visa Platinum/Affinity Rewards - UPMA\nAffinity Rewards - A-Plus/Affinity Rewards - NRLCA\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.90% to 16.90%, based on your\ncreditworthiness.\nAPCU Choice/Center Parc Choice\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.25% to 15.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPCU Platinum Rewards/APCU Signature Rewards/Center Parc\nPlatinum Rewards/Center Parc Signature Rewards/Affinity Georgia\nState Rewards/APCU Momentum/Center Parc Momentum\n0.00% Introductory APR for a period of six billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.25% to 17.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPCU Visa Platinum/Affinity Rewards - UPMA\nAffinity Rewards - A-Plus/Affinity Rewards - NRLCA\n9.90% to 16.90%, based on your creditworthiness.\nAPCU Choice/Center Parc Choice\n9.25% to 17.25%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPCU Platinum Rewards/APCU Signature Rewards/Center Parc\nPlatinum Rewards/Center Parc Signature Rewards/Affinity Georgia\nState Rewards/APCU Momentum/Center Parc Momentum\n11.25% to 19.25%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee - APCU Visa\nPlatinum, Affinity Rewards \xe2\x80\x93 UPMA,\nAffinity Rewards \xe2\x80\x93 A-Plus, Affinity\nRewards \xe2\x80\x93 NRLCA, APCU Choice,\nCenter Parc Choice, APCU Momentum,\nCenter Parc Momentum\n- Foreign Transaction Fee - APCU\nSignature Rewards, Center Parc\nSignature Rewards\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n2.00% of the amount of each cash advance\n1.00% of each transaction in U.S. dollars\n\nNone\n\nSEE NEXT PAGE for more important information about your account.\n01000038-MXC10-C-2-061821 (MXC102-E)\n\n\x0cPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $40.00\nUp to $29.00\nUp to $29.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers, and convenience checks will apply to transactions posted to your\naccount during the first 75 days following the opening of your account.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: June 30, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the APCU Visa Platinum, Affinity Rewards \xe2\x80\x93 UPMA, Affinity Rewards - A-PLUS, Affinity\nRewards - NRLCA, APCU Momentum, Center Parc Momentum, APCU Choice, Center Parc Choice, APCU\nPlatinum Rewards, APCU Signature Rewards, Center Parc Platinum Rewards, Center Parc Signature Rewards,\nand Affinity Georgia State Rewards are secured credit cards. Credit extended under this credit card account is\nsecured by various personal property and money including, but not limited to: (a) any goods you purchase with\nthis account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares,\n(c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual\nRetirement Account or in any other account that would lose special tax treatment under state or federal law, and\n(d) collateral securing other loans you have with the Credit Union excluding dwellings.\nOther Fees & Disclosures:\nLate Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you\nwill be charged $40.00 or the amount of the required minimum payment, whichever is less.\nCash Advance Fee (Finance Charge):\n2.00% of each cash advance.\nOver-the-Credit Limit Fee:\n$29.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.\n\nSEE NEXT PAGE for more important information about your account.\n01000038-MXC10-C-2-061821 (MXC102-E)\n\n\x0cReturned Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$29.00 if the amount of the convenience check is $29.00 or greater. If the convenience check is less than $29.00, the fee\nwill not be assessed.\nCard Replacement Fee:\n$10.00.\nDocument Copy Fee:\n$5.00.\nPay-by-Phone Fee:\n$10.00.\nRush Fee:\n$25.00.\nStatement Copy Fee:\n$5.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01000038-MXC10-C-2-061821 (MXC102-E)\n\n\x0c'


b'20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this\nAgreement shall be governed by federal law and the law of\nGeorgia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in\nenforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your\nAccount to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the\ncosts and expenses of any legal action, as further disclosed\non this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights\nand obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may\napply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit;\n2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, 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 Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that,\nshould We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished\n(paid to Us by Your employer), as provided by Florida and\nFederal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that\nMaryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland\nCommercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or\ncommitments to loan money, extend credit or to forbear\nfrom enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding\nor disappointment, any Agreements We reach covering\nsuch matters are contained in this writing, which is\nthe complete and exclusive statement of the Agreement\nbetween Us, except as We may later agree in writing to\nmodify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report\nin connection with this Account, including for any review,\nmodification, renewal or collections associated with this\nAccount. Upon Your request, You will be informed whether\nsuch report was requested and, if so, the name and address\nof the consumer reporting agency furnishing the report.\nNew York residents may contact the New York State\nDepartment of Financial Institutions at 800.342.3736 or\nwww.dfs.ny.gov to obtain a comparative listing of credit card\nrates, fees and grace periods.\n\nPage 8\n\n(continued)\n\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination\nrequire that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies\nmaintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers\ncompliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have\nbeen any improprieties in making this loan or in the lender\xe2\x80\x99s\nloan practices, You may contact the South Dakota Division of\nBanking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501,\nor by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please\ncontact Us immediately upon receipt of this Agreement at\nthe address or phone number listed on this Agreement and\nprovide Us with the name and address of Your spouse. We\nare required to inform Your spouse that We have opened an\nAccount for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written\nAgreement is a final expression of the Agreement between\nYou and the Credit Union. This written Agreement may not be\ncontradicted by evidence of any oral Agreement. As required\nby law, You are hereby notified that a negative credit report\nreflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit\nobligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW\n\xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR\nREPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT\nPAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM\nYOU.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us\nat the address listed on Your statement.\nIn Your letter, give Us the following information:\n- Account information: Your name and Account\nnumber.\n- Dollar amount: The dollar amount of the suspected\nerror.\n- Description of problem: If You think there is an error\non Your bill, describe what You believe is wrong and\nwhy You believe it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your\nstatement.\n- At least three business days before an automated\npayment is scheduled, if You want to stop payment\non the amount You think is wrong.\nPage 9\n\n(continued)\n\nYou must notify Us of any potential errors in writing or\nelectronically. You may call Us, but if You do We are not\nrequired to investigate any potential errors and You may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell\nYou that We received Your letter. We will also tell You\nif We have already corrected the error.\n2. Within 90 days of receiving Your letter, We must\neither correct the error or explain to You why We\nbelieve the bill is correct.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or\nreport You as delinquent on that amount.\n- The charge in question may remain on Your statement,\nand We may continue to charge You interest on that\namount.\n- While You do not have to pay the amount in question,\nYou are responsible for the remainder of Your\nbalance.\n- We can apply any unpaid amount against Your credit\nlimit.\nAfter We finish Our investigation, one of two things will\nhappen:\n- If We made a mistake: You will not have to pay\nthe amount in question or any interest or other fees\nrelated to that amount.\n- If We do not believe there was a mistake: You\nwill have to pay the amount in question, along\nwith applicable interest and fees. We will send\nYou a statement of the amount You owe and the\ndate payment is due. We may then report You as\ndelinquent if You do not pay the amount We think\nYou owe.\nIf You receive Our explanation but still believe Your bill\nis wrong, You must write to Us within 10 days telling Us\nthat You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone\nto whom We reported You as delinquent, and We must let\nthose organizations know when the matter has been settled\nbetween Us.\nIf We do not follow all of the rules above, You do not have\nto pay the first $50 of the amount You question even if Your\nbill is correct.\n\nYour Rights if You Are Dissatisfied With Your Credit Card\nPurchases\nIf You are dissatisfied with the goods or services that You\nhave purchased with Your credit card, and You have tried\nin good faith to correct the problem with the merchant, You\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The 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\nYou the goods or services.)\n2. You must have used Your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses Your credit card Account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied\nwith the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed\namount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You\nowe an amount and You do not pay, We may report You as\ndelinquent.\n\n3900 Crown Road\nAtlanta, GA 30380-0001\n(404) 768-4126 \xe2\x80\xa2 (800) 849-8431\nFax: (404) 669-2750\nE-mail: info@apcu.com\nWebsite: www.apcu.com\n\nCONSUMER CREDIT\nCARD AGREEMENT\nAND DISCLOSURE\nVISA\nThis Consumer Credit Card Agreement and Disclosure\ntogether with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents\nprovided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms\nand conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d\nand \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Atlanta Postal Credit Union with\nwhich this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account;\nany person responsible for paying the Account; and anyone\nYou authorize to use, access or service the Account. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience\nchecks, the Credit Union issues to You. \xe2\x80\x9cAccount\xe2\x80\x9d means\nthe line of credit established by this Agreement and includes\nYour Card.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09,\n10, 12, 14, 16 All Rights Reserved\n\nPage 10\n\n(continued)\n\nPage 11\n\n01000038MXC323-C-1052021\n\n56793-31-1\n\nSECURITY INTEREST\nYou grant the Credit Union a security interest under\nthe Uniform Commercial Code and under any common\nlaw rights the Credit Union may have in any goods You\npurchase.\nIf You give the Credit Union a specific pledge of shares by\nsigning a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts\nthat have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the\npledged amount.\nYou grant Us a security interest in all individual and joint\nshare and/or deposit accounts You have with Us now and\nin the future to secure Your credit card Account. Shares\nand deposits in an IRA or any other account that would\nlose special tax treatment under state or federal law if\ngiven as security are not subject to the security interest\nYou have given in Your shares and deposits. You may\nwithdraw these other shares unless You are in default.\nWhen You are in default, You authorize Us to apply the\nbalance in these accounts to any amounts due. For\nexample, if You have an unpaid credit card balance, You\nPage 1\n\n(continued)\n\n\x0cagree We may use funds in Your account(s) to pay any or\nall of the unpaid balance.\nUnless otherwise prohibited by federal and/or state law,\ncollateral securing other loans You have with the Credit\nUnion may also secure this loan, except that a dwelling\nwill never be considered as security for this Account,\nnotwithstanding anything to the contrary in any other\nAgreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or\nkeeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this\nAgreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part\nof this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the\namount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may\nrequest a credit limit increase on Your Account only by a\nmethod acceptable to the Credit Union. We may increase or\ndecrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted\nby law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time,\nissue convenience checks to You that may be drawn on Your\nAccount. Convenience checks may not be used to make a\npayment on Your Account. If You use a convenience check,\nit will be posted to Your Account as a cash advance. We\nreserve the right to refuse to pay a convenience check drawn\non Your Account for any reason and such refusal shall not\nconstitute wrongful dishonor. You may request that We stop\nthe payment of a convenience check drawn on Your Account.\nYou agree to pay any fee as identified in this Agreement\nimposed to stop a payment on a convenience check issued\non Your Account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made\nwith sufficient time in advance of the presentment of the\ncheck for payment to give Us a reasonable opportunity to act\non Your request. In addition, Your request must accurately\ndescribe the check including the exact Account number, the\npayee, any check number that may be applicable, and the\nexact amount of the check. If permitted, You may make a stop\npayment request orally but such a request will expire after\n14 days unless You confirm Your request in writing within\nthat time. Written stop payment orders are effective only for\nsix months and may be renewed for additional six month\nperiods by requesting in writing that the stop payment order\nbe renewed. We are not required to notify You when a stop\npayment order expires.\nIf We re-credit Your Account after paying a check over a valid\nand timely stop payment order, You agree to sign a statement\ndescribing the dispute with the payee, to assign to Us all of\nYour rights against the payee or other holders of the check\nand to assist Us in any legal action.\nPage 2\n\n(continued)\n\nYou agree to indemnify and hold Us harmless from all costs\nand expenses, including attorney\xe2\x80\x99s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in\nfailing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time\nto act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform\nCommercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided\nunder this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You\nowe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You\nauthorize to use Your Account as well as all interest charges\nand fees.\nFor each billing period, You must pay at least the Minimum\nPayment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New\nBalance, or $10.00, whichever is greater, plus any amount\npast due and any amount by which You have exceeded Your\napplicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of\nthe total New Balance.\nYou may pay more frequently, pay more than the Minimum\nPayment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required\nto make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The\nCredit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the\npayment has cleared.\nYour payment of the required Minimum Payment Due may be\napplied to what You owe the Credit Union in any manner the\nCredit Union chooses, as permitted by applicable law. If You\nmake a payment in excess of the required Minimum Payment\nDue, the Credit Union will allocate the excess amount first\nto the balance with the highest annual percentage rate\n(\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in\ndescending order based on applicable APR, unless otherwise\nprescribed by applicable law. We may accept checks marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or with words of similar effect without\nlosing any of Our rights to collect the full balance of Your\nAccount with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin\ncharging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging\nYou interest on cash advances and balance transfers on the\ndate of the transaction or the first day of the billing cycle in\nwhich the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You\nany interest on new purchases if Your Account had a zero\nor credit balance at the beginning of that billing cycle, or\nYou paid the entire new balance on the previous cycle\xe2\x80\x99s\nbilling statement by the Payment Due Date of that statement.\n\nTo avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the\nbilling statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately\nfor purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for\neach Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new\ntransactions of that type, and subtract any unpaid interest\nor other finance charges and any applicable payments or\ncredits. This gives Us the daily balance for each Transaction\nType. Then, for each Transaction Type, We add up all the\ndaily balances for the billing cycle and divide each total by\nthe number of days in the billing cycle. This gives Us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees\nmay be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed\non the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash\nadvances made in foreign currencies will be debited from\nYour Account in U.S. dollars. The exchange rate between\nthe transaction currency and the billing currency used for\nprocessing international transactions is a rate selected by\nVisa from a range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or the rate\nmandated by the government or governing body in effect for\nthe applicable transaction date. The exchange rate used on\nthe transaction date may differ from the rate that would have\nbeen used on the processing date or cardholder statement\nposting date.\nFor APCU Visa Platinum, Affinity Rewards \xe2\x80\x93 UPMA, Affinity\nRewards \xe2\x80\x93 A-Plus, Affinity Rewards \xe2\x80\x93 NRLCA, APCU\nCredit Builder, Center Parc Credit Builder, APCU Low\nRate, and Center Parc Low Rate programs. A fee (finance\ncharge), calculated in U.S. dollars, will be imposed on all\nforeign transactions, including purchases, cash advances,\nand credits to Your Account. A foreign transaction is any\ntransaction that You complete or a merchant completes on\nYour Card outside of the United States, with the exception of\nU.S. military bases, U.S. territories, U.S. embassies, or U.S.\nconsulates. Transactions completed by merchants outside\nof the United States are considered foreign transactions,\nregardless of whether You are located inside or outside the\nUnited States at the time of the transaction. The Foreign\nTransaction Fee is set forth on the Account Opening\nDisclosure accompanying this Agreement.\n\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization\nof a transaction, either by Us or by a third party, even if You\nhave sufficient credit available. You agree that We will not\nbe liable for failing to give an authorization. We also reserve\nthe right to limit the number of transactions that may be\napproved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion,\nincluding for default, suspected fraudulent or unlawful\nactivity, internet gambling or any indication of increased risk\nrelated to the transaction or the Account. You agree that We\nhave no requirement to notify You of the specific reason We\ndenied a transaction. If We detect unusual or suspicious\nactivity, We may suspend Your credit privileges until We can\nverify the activity, or We may close the Account.\n9. INFORMATION\nUPDATING\nSERVICE\nAND\nAUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant\nto bill charges to Your Card on a recurring basis, it is Your\nresponsibility to notify the merchant in the event Your\nCard is replaced, Your Account information (such as Card\nnumber or expiration date) changes, or Your Account is\nclosed. However, if Your Card is replaced or Your Account\ninformation changes, You authorize Us, without obligation\non Our part, to provide the updated Account information to\nthe merchant in order to permit the merchant to bill recurring\ncharges to Your Card. You authorize Us to apply such\nrecurring charges to Your Card until You notify Us that You\nhave revoked authorization for the charges to Your Card.\nYour Card is automatically enrolled in an information\nupdating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may\nbe shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your\nnext payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To\nrevoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend\npreauthorized recurring charges with merchants if, for\nexample, Your Card is lost or stolen, You default, or We\nchange Your Account for any reason. If preauthorized\nrecurring charges are suspended, You are responsible for\nmaking direct payment for such charges until You contact\nthe merchant to reinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement\nif You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is\nnot honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid;\nmake any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You\nwill also be in default if You fail to comply with the terms of\nthis Agreement or any other Agreement You have with Us.\n\nIf You default, We may close Your Account and require You\nto pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application,\nYou gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized\nUs, if You defaulted, to apply the balance in these accounts to\nany amounts due. You agree We may rely on Your agreement\nand authorization to, upon Your default, apply any balance to\nany amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN\nCARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card,\nYou should write to Us immediately at 515 Mulberry Street,\nSuite 100, Macon, GA, 31201 or call Us at (800) 849-8431,\nseven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs\nafter You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You\nwill have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your\nAccount or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As\npermitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to\ntime. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to\nthe Agreement may apply to Your existing account balance\nas well as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico,\nNevada, Texas, Washington, and Wisconsin Residents Either You, Your spouse or the Credit Union may terminate this\nAgreement at any time, but termination by You, Your spouse\nor the Credit Union will not affect Your obligation to pay the\naccount balance plus any finance and other charges You or\nYour spouse owe under this Agreement. Your obligation to\npay the account balance plus any finance and other charges\nYou owe under this agreement are subject to all applicable\nlaws and regulations regarding repayment requirements. The\nCard or Cards You receive remain the property of the Credit\nUnion and You must recover and surrender to the Credit Union\nall Cards upon request or upon termination of this Agreement\nwhether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union\nmay terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to\npay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the\naccount balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and\nregulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union\nand You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement\nwhether by You or the Credit Union.\n\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We\nmay issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination\nof an authorized user\xe2\x80\x99s right to access Your Account. Your\nnotice must include the name of the authorized user and\nYour Account number and/or any subaccount number issued\nto the authorized user along with the authorized user\xe2\x80\x99s Card\nand any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\xe2\x80\x99s\nCard or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a\nnew Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS \xe2\x80\x94 You authorize the Credit Union\nto obtain credit reports and any other information We\nmay need to verify Your identity and use of the Account\nwhen opening Your Account and for any update, increase,\nrenewal, extension, collection or review of Your Account. You\nauthorize the Credit Union to disclose information regarding\nYour Account to credit bureaus and creditors who inquire\nabout Your credit standing.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of\nYou will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the\nCredit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You\nauthorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and\nthe termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the\ncontract which applies to all transactions on Your Account\neven though the sales, cash advances, credit or other slips\nYou sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This\nAgreement is the final expression of the terms and conditions\nof Your Account. This written Agreement may not be\ncontradicted by evidence of any alleged oral Agreement.\nShould any part of this Agreement be found to be invalid or\nunenforceable, all other parts of this Agreement shall remain\nin effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree\nthat You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the\nInternet, that is illegal under applicable federal, state, or local\nlaw.\nEven if You use Your Card for an illegal transaction, You\nwill be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that\nis illegal.\n\nPage 3\n\nPage 4\n\nPage 5\n\nPage 6\n\nPage 7\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n\x0c'