b'if we suspect that your account is being used without your permission. If our\nauthorization system is not working fully, we may be unable to give an\nauthorization even though the transaction would not exceed your credit limit.\nYou agree we will not be liable for failing to give an authorization. Transactions\nat some participating merchants (such as hotels, car rental companies,\nrestaurants and gas stations) may result in authorizations for amounts greater\nthan the actual purchase amount, which will have the effect of making less\ncredit available on your account for several days (usually until the date the\nactual purchase amount is received from the merchant).\n22) Refusal to Authorize Transactions. We may decline any transaction on\nyour account for any of the following reasons: (1) operational reasons, (2) your\naccount is in default (including exceeding your credit limit); (3) suspected\nfraudulent or unlawful activity, or (4) any other reason we choose. In addition,\nwe reserve the right to deny transactions or authorizations from merchants\nwhom we believe may be engaging in Internet gambling or are otherwise\nengaged in such business. We are not responsible for the refusal of any\nmerchant, financial institution, or ATM to honor your Card or convenience checks\nissued on your Account.\n23) Additional Benefits/Card Enhancements. The Credit Union may from\ntime to time offer additional services to your account at no additional cost to\nyou. You understand that the Credit Union is not obligated to offer such services\nand may withdraw or change them at any time.\n24) Convenience Checks. The Credit Union may, at its discretion, issue\nchecks to you which may be used for any purpose other than making a payment\nfor credit to your account. By signing such check, you authorize the Credit\nUnion to pay the item for the amount indicated and post such amount as a cash\nadvance to your account. When we receive a convenience check, we may review\nyour account when deciding whether to pay the check, and you agree that we\nhave the right not to pay a convenience check for any reason. You agree that our\nrefusal to pay a convenience check shall not constitute wrongful dishonor. The\nCredit Union does not have to pay any item, which would cause the outstanding\nbalance in your account to exceed your credit limit. Charges that apply in\nconnection with the use of Convenience Checks are as follows: Copy of Paid\nCheck $3; Stop Payment on Check $20; Non-Sufficient Funds Check (NSF) $20.\nFees will be assessed at the time they are incurred.\n25) Continuation of Credit. The Credit Union may from time to time request\npersonal information from you for the purpose of updating your credit status,\naccording to normal credit procedures. Your failure to provide such information\nwhen requested by the Credit Union may result in suspension of your line of\ncredit privileges under this Agreement, including your ability to obtain any future\nadvances by any means.\n26) International Transactions. If you effect an international transaction\nwith your VISA Card, the rate of exchange between the transaction currency and\nthe billing currency used for processing the international transaction will be a\nrate selected by VISA from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from\nthe rate VISA itself receives or the government-mandated rate in effect for the\napplicable central processing date; and in each instance, plus up to a 1% Foreign\nTransaction Fee. The Foreign Transaction Fee will apply to all international\npurchase, cash disbursement, and account credit transactions even if there is no\ncurrency conversion. There is no grace period within which to repay international\ntransactions in order to avoid the Foreign Transaction Fee.\n27) VISA Emergency Services. For VISA cardholders, you acknowledge that\nwe may provide personal data concerning you to VISA U.S.A., its Members, or\ntheir respective contractors for the purpose of providing you with VISA\nEmergency Cash and Emergency Card Replacement Services, and you consent to\nthe release of your information for these purposes.\n28) Termination or Changes. The Credit Union may terminate this Agreement\nat any time with or without cause, subject to applicable law, and subject to such\nnotice as may be required by applicable law. You may terminate this Agreement,\nby written notice, as to future advances at any time. Termination by either party\nshall not affect your obligation to repay any payments made for your account\nresulting from use of the Card as well as INTEREST CHARGES and other\n\nrelated charges. The Credit Union may add to, change, or delete the terms of this\nAgreement, including the method of calculating the periodic rate, at any time\nsubject to such notice as may be required by applicable law. If you use your Card\nor account to make a purchase or cash advance after having been given notice\nof a change in terms, you agree that the existing balance in your account at the\ntime of that use will be subject to the new terms, as shall subsequent uses, to\nthe extent permitted by law.\n29) Credit Information. You authorize the Credit Union to investigate your\ncredit standing and employment history when opening or reviewing your\naccount. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing.\n30) Notification Address for Information Reported to Consumer Reporting\nAgencies. We may report the status and payment history of your account to\ncredit reporting agencies each month. If you believe that the information we\nhave reported is inaccurate or incomplete, please notify us in writing at Fort\nWorth City Credit Union, 2309 Montgomery St., Fort Worth, Texas 76107.\nPlease include your name, address, home telephone number and account\nnumber, and identify the information you believe is incorrect. If your notification\nrelates to an incident of identity theft, we will require a copy of your identity\ntheft report filed with law enforcement authorities.\n31) Statements and Notices. Change of Name, Telephone Number, or\nAddress. Statements and notices will be mailed to you at the most recent\naddress you have given the Credit Union. You agree to give us prompt notice\nin writing of any change in your name, home address, mailing address, email\naddress, telephone number, or place of employment.\n32) Copy Received. By signing the Application, by using the Card or the\naccount, or by authorizing any other person to use the Card or account, you\nagree to all the terms and conditions and promise to perform all the obligations,\nrequirements, and duties contained in this Agreement, and if you signed the\nCredit Card Application, you acknowledge that you have received a copy of this\nAgreement. You agree to notify each Cardholder and authorized user that their\nuse of a Card or the account is subject to this Agreement.\n33) Additional Provisions. Each provision of this Agreement must be\nconsidered as part of the total Agreement and cannot, in any way, be severed\nfrom it. However, you also agree that should any part of the Agreement be found\ninvalid, it will in no way affect the remainder of the Agreement. You understand\nthe validity, construction, and enforcement of this Agreement shall be governed\nby the laws of the State of Texas and federal law. Use of your Card is also\nsubject to the policies and rules of VISA International, as applicable and in\neffect from time to time, which do not conflict with the terms of this Agreement.\nThe Credit Union does not warrant any merchandise or services purchased by\nyou with the Card. All purchases and cash advances are extended at the option\nof the merchant or cash advancing financial institution and the Credit Union is\nnot responsible for refusal of any merchant or financial institution to honor your\nCard. We can accept late payments or partial payments or checks or money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this\nAgreement. We can also waive or delay enforcing any of our rights under this\nAgreement without losing our right to enforce them in the future. No indulgence\nor acceptance by us of delinquent or partial payments constitutes a waiver of our\nrights or of any provision of this Agreement. No waiver of any existing default\nshall be deemed to waive any subsequent default.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit 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:\nFort Worth City Credit Union\nAttn: Credit Card Department\n2309 Montgomery Street\nFort Worth, Texas 76107\nIn your letter, give us the following information:\nn Account information: Your name and account number.\n\nn Dollar amount: The dollar amount of the suspected error.\nn Description of problem: If you think there is an error on your statement,\n\ndescribe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\nn Within 60 days after the error appeared on your statement.\nn At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo we are not required to investigate any potential errors and you may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error\nor explain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\nn We cannot try to collect the amount in question, or report you as delinquent\non that amount.\nn The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\nn While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\nn We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nn If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\nn If we do not believe there was a mistake: You will have to pay the\namount in question along with applicable interest and fees. We will send you\na statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your statement is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning\nyour statement. We must tell you the name of anyone to whom we reported you\nas 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 first $50 of\nthe amount you question even if your bill is correct.\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase. To 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\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above\nare met and you are still dissatisfied with the purchase, contact us in writing at:\nFort Worth City Credit Union\nAttn: Credit Card Department\n2309 Montgomery Street\nFort Worth, Texas 76107\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\xc2\xa9 2015 Fort Worth City CU. All rights reserved. 15-0115\nFederally Insured by NCUA.\n\nCredit Card Agreement\n\n2309 Montgomery Street\nFort Worth, Texas 76107\n(817) 732-2803 n fwccu.org\nACCOUNT OPENING SUMMARY TABLE\nInterest Rates and Interest Charges\nVISA\n\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance\n8.9% - 16.9%\nTransfers\nAPR for Cash Advances\n8.9% - 16.9%\nHow to Avoid Paying\nYour due date is at least 25 days\nInterest\nafter the close of each billing\non Purchases\ncycle. We will not charge you\ninterest on purchases if you pay\nyour entire balance by the due date\neach month.\nMinimum Interest\nIf you are charged interest, the\nCharge\ncharge will be no less than $1.\nFor Credit Card Tips\nTo learn more about factors\nfrom the Consumer\nto consider when applying for\nFinancial Protection\nor using a credit card, visit\nBureau\nthe website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.\ngov/learnmore.\nFees\nAnnual Fee\nNone\nTransaction Fees\nn Foreign Transaction\nUp to 1% of each transaction in\nU.S. dollars\nPenalty Fees\n$20\nn Late Payment\n$20\nn Returned Payment\n$0\nn Over Credit Limit\n\n8.9% - 16.9%\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions\nand how to exercise those rights is provided below in the Credit\nCard Agreement.\n\n\x0cCREDIT CARD AGREEMENT\nIn this Agreement, the words \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 Fort Worth\nCity Credit Union or its successors and assigns. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person\nwho signs this Agreement or uses the Card. \xe2\x80\x9cThe Card\xe2\x80\x9d means any credit card issued\nto you or those designated by you under the terms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d\nmeans any procedure used by you, or someone authorized by you, to make a purchase\nor obtain a cash advance whether or not the purchase or advance is evidenced by a\nsigned written document. \xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use of the Card by\nsomeone other than you who does not have actual, implied, or apparent authority for\nsuch use, and from which you receive no benefit. In this Agreement, any plural terms\nshall be deemed singular and any singular terms shall be deemed plural when context\nand construction so require.\nSECURITY. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH\nUS NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT\nEXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF\nTHIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY\nCARD, WHICH YOU MAY USE DIRECTLY OR INDIRECTLY, TO OBTAIN\nEXTENSIONS OF CREDIT UNDER THIS AGREEMENT. Shares and deposits\nin an Individual Retirement Account or any other account that would lose\nspecial tax treatment under state or federal law if given are not subject to\nthe security interest you are giving.\nADDITIONAL SECURITY. If you have other loans with us, now or in the future,\ncollateral securing those loans may also secure your obligations under this\nAgreement. Please read any security agreement you sign in order to determine\nif the collateral also secures your obligations under this Agreement and other\nagreements you have with us.\n1)\tExtensions of Credit. If your Application is approved, the Credit Union\nmay, at its discretion, establish a line of credit in your name and cause one or\nmore Cards to be issued to you or those designated by you. In such event, you\nauthorize the Credit Union to pay for your account, all items reflecting credit\npurchases, balance transfers, and cash advances obtained through use of the\nCard. You may not use your Card for any illegal purpose or transaction. The\nCredit Union may refuse to authorize any transaction that it believes to be illegal\nor that poses an undue risk or illegality. If we do process any transaction which\nultimately is determined to have been for an illegal purpose, you agree that you\nwill remain liable to us under this Agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the Card will\nbe deemed an act of default under this Agreement. You further agree to waive\nany right to take legal action against the Credit Union for illegal use of the Card\nand to indemnify and hold the Credit Union and VISA\xc2\xae International, Inc.\nharmless from and against any lawsuits, other legal action or liability that\nresults directly or indirectly from such illegal use.\n2) Signing Your Card and Activation. When you receive your Card, you\nagree to sign your name on the Card in the signature panel on the reverse of\nthe Card. Each Card issued by us to you or an authorized user must be signed by\nthe person whose name is embossed on the front of the Card. We may delay or\ndeny access to your account until you have activated your Card. If you fail to sign\nthe Card you will be responsible for unauthorized use of that Card to the extent\npermitted by applicable law. You agree to keep your Cards in a safe and secure\nmanner at all times in order to prevent loss or theft of the Cards.\n3) Joint Applicant Liability. If this Agreement is executed by more than one\nperson, each of you shall be jointly and individually liable to us for all charges\nmade to the account, including applicable fees. In addition, you agree that\neach of you designates the other as agent for the purpose of making purchases\nextended under this Agreement and each use of your account shall be an\nextension of credit to all. Notice to one of you shall constitute notice to all. Any\njoint cardholder may remove him/herself from responsibility for future purchases\nat any time by notifying us in writing. However, removal from the account does\nnot release you from any liability already incurred.\n\n4)\tOthers Using Your Account. If you allow anyone else to use your Card,\nyou will be liable for all credit extended to such persons. You promise to pay for\nall purchases, balance transfers, and cash advances made by anyone whom you\nauthorize to use your Card, whether or not you notify us that he or she will be\nusing it. If someone else is authorized to use your Card and you want to end that\nperson\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a Card, you\nmust return the Card with your written notice for it to be effective.\n5) Credit Limits. You promise the payments made for your account resulting\nfrom use of the Card will, at no time, cause the outstanding balance in your\naccount to exceed your credit limit as disclosed to you at the time you received\nyour Card or as adjusted from time to time at the discretion of the Credit Union.\nWe may limit cash advances and certain other types of advances to a portion of\nyour total credit limit. You agree that we may, but are not obligated to, extend\ncredit to you for an amount that would make your outstanding balance exceed\nyour total credit limit or for any amount if your outstanding balance is already\nover the total credit limit. If we do allow you to exceed your credit limit, that\ndoes not mean that we will allow you to exceed your credit limit in the future,\nand you should not expect that we will allow you to exceed your credit limit on\nany occasion. We can change your credit limit at any time and will notify you of\nthe change. We may decline to honor any transactions for any reason.\n6) Credit Limit Increase. You may request a credit limit increase by\ncontacting us. A request for a credit limit increase may be considered a request\nfor new credit and may be subject to credit approval.\n7) Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card or account; (b) INTEREST CHARGES and other charges\nor fees; (c) collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you. At the end of each monthly billing\ncycle, you will be furnished with a periodic statement showing (i) the \xe2\x80\x9cprevious\nbalance\xe2\x80\x9d (the outstanding balance in the account at the beginning of the billing\ncycle), (ii) the amount of all cash advances, purchases and INTEREST CHARGES\nposted to your account during the billing cycle, (iii) the amount of all payments\nand credits posted to your account during the billing cycle, and (iv) the \xe2\x80\x9cnew\nbalance\xe2\x80\x9d which is the sum of (i) and (ii) less (iii).\n8) Minimum Payment. You agree to pay on or before the \xe2\x80\x9cpayment due\ndate\xe2\x80\x9d shown on the periodic statement either the entire \xe2\x80\x9cNew Balance,\xe2\x80\x9d or the\nminimum payment shown on the statement. Generally, the \xe2\x80\x9cminimum payment\xe2\x80\x9d\nwill equal 3% of the New Balance or $20, whichever is greater. If the New\nBalance is $20 or less, you will pay in full. For your account to be considered\ncurrent and to avoid a Late Payment Fee, we must receive your payment of at\nleast the Minimum Payment Due for the statement period by the Payment Due\nDate shown on your statement. You may make extra payments in advance of\nthe due date without a penalty, and you may repay any funds advanced, credit\nextended, or amount outstanding at any time without a penalty for early\npayment. Regardless of the amount of any extra payment during a given month,\na monthly payment will be required the following month if a balance remains in\nyour account. Making a payment in excess of your minimum payment will reduce\nthe INTEREST CHARGES that are added to your account. Credit adjustments\nwill not be used to meet the Minimum Payment.\n9) Skip a Payment. The Credit Union may also, from time to time and at its\noption, offer you the opportunity to skip a payment. If you decide to skip a\npayment, an INTEREST CHARGE will continue to accrue on the balance in the\naccount at the applicable periodic rate in accordance with this Agreement, and\nthe payment terms applicable to the account prior to the skipped payment will\nautomatically resume in the month immediately following the month in which\nyou have skipped a payment.\n10) Cost of Credit. For VISA\xc2\xae, you will pay an INTEREST CHARGE for all\nadvances made against your account at the periodic rate of .024384% .046301% per day, which has a corresponding ANNUAL PERCENTAGE RATE of\n8.9% - 16.9%. Cash advances (including balance transfers) incur an INTEREST\nCHARGE from the date they are posted to the account. If you have paid your\naccount in full by the due date shown on the previous monthly statement, or\n\nthere is no previous balance, you have not less than 25 days to repay your\naccount balance before an INTEREST CHARGE on new purchases will be\nimposed. Otherwise, there is no grace period and new purchases will incur an\nINTEREST CHARGE from the date they are posted to the account. The periodic\nINTEREST CHARGE is figured by applying the periodic rate to the \xe2\x80\x9cbalance\nsubject to INTEREST CHARGE\xe2\x80\x9d which is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount, including certain current transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is\narrived at by taking the beginning balance of your account each day and adding\nany new cash advances (including balance transfers), and unless you pay your\naccount in full by the due date shown on your previous monthly statement or\nthere is no previous balance, adding in new purchases, and subtracting any\npayments or credits and unpaid INTEREST CHARGES. This gives us the daily\nbalance. The daily balances for the billing cycle are then added together and\ndivided by the number of days in the billing cycle. The result is the \xe2\x80\x9caverage\ndaily balance.\xe2\x80\x9d The periodic INTEREST CHARGE is determined by multiplying\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d by the number of days in the billing cycle and\napplying the periodic rate to the product. There is a minimum INTEREST\nCHARGE of $1 for each statement period in which an INTEREST CHARGE is due.\n11)\tOther Charges. The following other charges (fees) will be added to your\naccount, as applicable:\nn ATM Fee. If you obtain a cash advance by using an automated teller machine,\nyou may be charged any amounts imposed upon the Credit Union by the owner\nor operator of the machine. Any charge made under this paragraph will be added\nto the balance of your account and treated as a purchase.\nn Collection Cost Fee. You agree to pay all reasonable costs of collection as\npermitted by applicable law, including without limitation, court costs and\nattorney\xe2\x80\x99s fees imposed and any costs incurred in the recovery of the Card.\nn Returned Payment Fee. If a check, share draft or other order used to make a\npayment on your account is returned unpaid, you may be charged a fee of $20\nfor each item returned. In no event will the Returned Payment Fee exceed the\nminimum payment amount for the applicable statement period.\nn Late Payment Fee. If you are 10 or more days late in making a payment, a late\ncharge of $20 may be added to your account.\nWe may waive any of the fees in this Agreement at our discretion, but we\nreserve the right at any time to begin charging any fee that was previously\nwaived without providing notice to you.\n12) Credit Insurance. If available, credit insurance is not required for any\nextension of credit under this Agreement. However, you may purchase any credit\ninsurance available through the Credit Union and have the premium added to the\noutstanding balance in your account. If you elect to do so, you will be given the\nnecessary disclosures and documents separately.\n13)\tExpiration of Card. The Card will not be valid after the expiration date\nprinted on the front of the Card and it must not be used after that date.\n14) Renewal and Replacement of Cards. We will continue to issue renewal\nor replacement Cards until we revoke the right to use the Card or until your Card\naccount is closed.\n15)\tLiability for Unauthorized Use. You may be liable for the unauthorized\nuse of your Card. If you notice the loss or theft of your Card or a possible\nunauthorized use of your Card, you should call us immediately at:\n855-578-5797\nYou may also write to us at:\nFort Worth City Credit Union\n2309 Montgomery Street\nFort Worth, Texas 76107\nAlthough you may write to notify us of unauthorized use, calling us immediately\nat the telephone number above is the best way to keep your possible losses down.\nUnder VISA\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use\nof your VISA Card once you notify us orally or in writing of the loss, theft, or\npossible unauthorized use. VISA\xe2\x80\x99s zero liability policy does not apply if you are\ngrossly negligent or fraudulent in the handling of your account or your Card, nor\ndoes it apply to ATM transactions, except for U.S. ATM transactions sent over\nthe VISA and Plus networks.\nYou will not be liable for any unauthorized use that occurs after you notify us.\n\nYou may, however, be liable for unauthorized use that occurs before your notice\nto us. In any case, your liability will not exceed $50.00.\n16) Crediting of Payments. We do not charge for payments made by mail or\nother standard payment methods approved by us. All payments made on your\naccount at the address designated for payment on the monthly periodic\nstatement or by way of any other approved payment methods will generally\nbe credited to your account on the date of receipt. If the date of receipt for a\nmailed payment is not a business day, your payment may not be credited on the\nfirst business day following receipt. Payments received in person by one of our\nbranch employees before the close of business will receive same-day credit. If\npayment is made at any location other than the address designated on the\nperiodic statement or any other standard payment method we accept, credit\nfor such payment may be delayed up to five days. A payment submitted in the\nform of a check or other paper document may be converted to an electronic\ntransaction through procedures established by the National Automated Clearing\nHouse Association. If this occurs, the original check or other document sent to\nus will not be retained, but a copy would be available if requested. All required\nminimum payments on your account will be applied first to collection costs, then\nto any INTEREST CHARGE and other fees due, and then to the unpaid principal\nbalance. Payments made in excess of the required minimum payment will be\napplied first to the balances with the highest interest rate, if applicable. Interest\npaid or agreed to be paid shall not exceed the maximum amount permissible\nunder applicable law, and in any contingency whatsoever, if we shall receive\nanything of value deemed interest under applicable law which would exceed the\nmaximum amount of interest permissible under applicable law, the excessive\ninterest shall be applied to the reduction of the unpaid principal amount or\nrefunded to you.\n17) Credit Balance. You may request a refund of any credit balance at any\ntime. Otherwise, we will apply it to any new charges on your account or provide\nthe refund to you as required by law.\n18) Default. You will be in default: (1) if you fail to make any payment on time;\n(2) if you fail to keep any promises you have made under this or any other\nAgreement with the Credit Union; (3) if you become insolvent or are the subject\nof an order for relief under Title 11 of the U.S. Code (Bankruptcy); (4) if you die;\n(5) if anyone tries, by legal process, to take any of your money in the Credit\nUnion; (6) if you have given the Credit Union false or inaccurate\ninformation in obtaining your Card or in connection with any periodic update of\nyour information; (7) if you use your Card or account for an illegal transaction; or\n(8) if anything happens which the Credit Union reasonably believes endangers\nyour willingness or ability to repay what you owe.\n19) Acceleration. If you are in default, the Credit Union may, without prior\nnotice to you, call any amounts you still owe immediately due and payable plus\nINTEREST CHARGES, which shall continue to accrue until the entire amount\nis paid. You expressly waive any right to notice or demand, including but not\nlimited to, demand upon default, notice of intention to accelerate, and notice of\nacceleration. The Card remains the property of the Credit Union at all times, and\nyou agree to immediately surrender the Card upon demand of the Credit Union.\n20) Telephone Monitoring and Contacting You. You agree, in order for us to\nservice your account or to collect any amounts you may owe, that we, our\nagents, and our servicer company may monitor and/or record any telephone\ncommunications with you. We also may contact you for all purposes (including\nfor collection purposes) using all forms of communication, including voice, text\nmessaging, and email, and all contact information you provide to us, including\nany cellular telephone number and email address you have provided to us. You\nagree that we may use automated equipment to dial your telephone number\nor to deliver messages to you. You may limit this consent based on the options\nwe may provide by calling our Card Services department. Any charges for\ncontacting you that may be billed to you by your communications carrier are your\nresponsibility.\n21) Transaction Authorizations. Some transactions on your account may\nrequire prior approval. These prior approvals are called \xe2\x80\x9cauthorizations.\xe2\x80\x9d We\nmay limit the number of authorizations we will give the account during any\ncertain period of time (day, weekend, week) and we may deny an authorization\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM (NON-VARIABLE)\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n13.99% - 17.99%\n\nAPR for Cash Advances\n\n13.99% - 17.99%\n\nPenalty APR and When it Applies\n\n18.00%\n\n13.99% - 17.99%\n\nThis APR may be applied to Your Account if You:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If Your APRs are increased for\nthis reason, the Penalty APR will apply until You make six consecutive\nminimum payments when due.\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\n\nUp to $15.00\nUp to $25.00\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-1-052217 (MXC201-E)\n\n\x0cmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at 1 (800) 456-5067 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nOver-the-Credit Limit Fee:\n$25.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less. If You have elected the\nfeature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by law. However, in no\ncase will We impose an over-the-limit fee except in the next two billing cycles unless You have obtained an additional\nextension of credit in excess of such credit limit during each subsequent cycle or You have reduced the balance below the\ncredit limit as of the end of each billing cycle.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nAccount Research Fee:\n$30.00 per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law and when\nthe request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may\nbe charged to Your Account each time you request your account to be researched.\nPhotocopy Fee:\n$2.00. If Your Account is subject to a Photocopy Fee, except as limited by applicable law and when the request is made in\nconnection with a billing error made by the Credit Union, a fee may be charged to Your Account for each photocopy of any\ndocument that You request.\nCollection Costs:\nFor Idaho Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court\ncosts and, if the amount You borrowed was greater than $1,000.00, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 13.99% - 17.99% which is a daily periodic rate of 0.0383% - 0.0493%.\nThe Balance Transfer APR is 13.99% - 17.99% which is a daily periodic rate of 0.0383% - 0.0493%.\nThe Cash Advance APR is 13.99% - 17.99% which is a daily periodic rate of 0.0383% - 0.0493%.\nThe Penalty Rate APR is 18.00% which is a daily periodic rate of 0.0493% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\n\n8.99% - 17.99% .\n\nThis APR will vary with the market based on the Prime Rate.\n8.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n8.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n18.00%\nThis APR may be applied to Your Account if You:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If Your APRs are increased for\nthis reason, the Penalty APR will apply until You make six consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 21 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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at https://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\n\nUp to $15.00\nUp to $25.00\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases will apply to transactions posted to Your Account during the first six months following\nthe opening of Your Account.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0cLoss of Introductory APR:\nWe may end Your Introductory APR for purchases and apply the prevailing non-introductory APR if You are 60 days late\nin making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at 1 (800) 456-5067 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nOver-the-Credit Limit Fee:\n$25.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less. If You have elected the\nfeature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by law. However, in no\ncase will We impose an over-the-limit fee except in the next two billing cycles unless You have obtained an additional\nextension of credit in excess of such credit limit during each subsequent cycle or You have reduced the balance below the\ncredit limit as of the end of each billing cycle.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nRush Fee:\n$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nAccount Research Fee:\n$30.00 per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law and when\nthe request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may\nbe charged to Your Account each time you request your account to be researched.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0cPhotocopy Fee:\n$2.00. If Your Account is subject to a Photocopy Fee, except as limited by applicable law and when the request is made in\nconnection with a billing error made by the Credit Union, a fee may be charged to Your Account for each photocopy of any\ndocument that You request.\nCollection Costs:\nFor Idaho Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court\ncosts and, if the amount You borrowed was greater than $1,000.00, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 0.00% which is a daily periodic rate of 0.0000% .\nThe Purchase APR is 8.99% - 17.99% which is a daily periodic rate of 0.0246% - 0.0493%.\nThe Balance Transfer APR is 8.99% - 17.99% which is a daily periodic rate of 0.0246% - 0.0493%.\nThe Cash Advance APR is 8.99% - 17.99% which is a daily periodic rate of 0.0246% - 0.0493%.\nThe Penalty Rate APR is 18.00% which is a daily periodic rate of 0.0493% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\n3rd Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than\n17.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You\nwill pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the\nIndex is no longer available, the Credit Union will choose a new index which is based upon comparable information.\n\nMargin:\nPurchases will be charged at 5.49% - 10.49% above the Index.\nBalance Transfers will be charged at 5.49% - 10.49% above the Index.\nCash Advances will be charged at 5.49% - 10.49% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Idaho Central Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers\nto each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94\nVisa Platinum, Visa Rewards, Visa Premier Rewards - We may, from time to time, issue convenience checks to You\nthat may be drawn on Your Account. Convenience checks may not be used to make a payment on Your Account. If You\nuse a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a\nconvenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You\nmay request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as\nidentified in this Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make\na stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0cpresentment of the check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your\nrequest must accurately describe the check including the exact Account number, the payee, any check number that may\nbe applicable, and the exact amount of the check. If permitted, You may make a stop payment request orally but such a\nrequest will expire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders\nare effective only for six months and may be renewed for additional six month periods by requesting in writing that the\nstop payment order be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\nPage 2 of 6\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0cdollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default if You fail to make any minimum payment or other required payment by the date\nthat it is due. You will also be in default if Your ability to pay what You owe or to perform Your other obligations under this\nAgreement is significantly impaired.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 2469,\nPocatello, ID, 83206-2469 or call Us at (800) 456-5067, Monday through Friday 8:00 a.m. to 6:30 p.m. or (800) 456-5067,\nSaturday during regular business hours or (888) 808-7794, Monday through Saturday after business hours.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0c14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nIdaho.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n\nPage 4 of 6\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0c29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n11100245-MXC30-P-1-110617 (MXC303-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PREMIER REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 12.99%\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\n\n- 17.99% .\n\nThis APR will vary with the market based on the Prime Rate.\n12.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n12.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n18.00%\nThis APR may be applied to Your Account if You:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If Your APRs are increased for\nthis reason, the Penalty APR will apply until You make six consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 21 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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at https://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\n\nUp to $15.00\nUp to $25.00\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases will apply to transactions posted to Your Account during the first six months following\nthe opening of Your Account.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0cLoss of Introductory APR:\nWe may end Your Introductory APR for purchases and apply the prevailing non-introductory APR if You are 60 days late\nin making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at 1 (800) 456-5067 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nOver-the-Credit Limit Fee:\n$25.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less. If You have elected the\nfeature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by law. However, in no\ncase will We impose an over-the-limit fee except in the next two billing cycles unless You have obtained an additional\nextension of credit in excess of such credit limit during each subsequent cycle or You have reduced the balance below the\ncredit limit as of the end of each billing cycle.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nRush Fee:\n$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nAccount Research Fee:\n$30.00 per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law and when\nthe request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may\nbe charged to Your Account each time you request your account to be researched.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0cPhotocopy Fee:\n$2.00. If Your Account is subject to a Photocopy Fee, except as limited by applicable law and when the request is made in\nconnection with a billing error made by the Credit Union, a fee may be charged to Your Account for each photocopy of any\ndocument that You request.\nCollection Costs:\nFor Idaho Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court\ncosts and, if the amount You borrowed was greater than $1,000.00, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 0.00% which is a daily periodic rate of 0.0000% .\nThe Purchase APR is 12.99% - 17.99% which is a daily periodic rate of 0.0356% - 0.0493%.\nThe Balance Transfer APR is 12.99% - 17.99% which is a daily periodic rate of 0.0356% - 0.0493%.\nThe Cash Advance APR is 12.99% - 17.99% which is a daily periodic rate of 0.0356% - 0.0493%.\nThe Penalty Rate APR is 18.00% which is a daily periodic rate of 0.0493%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\n3rd Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than\n17.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You\nwill pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the\nIndex is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 9.49% - 14.49% above the Index.\nBalance Transfers will be charged at 9.49% - 14.49% above the Index.\nCash Advances will be charged at 9.49% - 14.49% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-3-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\n\n7.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n7.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n7.99% - 17.99%\nThis APR will vary with the market based on the Prime Rate.\n18.00%\nThis APR may be applied to Your Account if You:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If Your APRs are increased for\nthis reason, the Penalty APR will apply until You make six consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 21 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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at https://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\n\nUp to $15.00\nUp to $25.00\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-2-052217 (MXC201-E)\n\n\x0cFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at 1 (800) 456-5067 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nOver-the-Credit Limit Fee:\n$25.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less. If You have elected the\nfeature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by law. However, in no\ncase will We impose an over-the-limit fee except in the next two billing cycles unless You have obtained an additional\nextension of credit in excess of such credit limit during each subsequent cycle or You have reduced the balance below the\ncredit limit as of the end of each billing cycle.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nRush Fee:\n$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nAccount Research Fee:\n$30.00 per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law and when\nthe request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may\nbe charged to Your Account each time you request your account to be researched.\nPhotocopy Fee:\n$2.00. If Your Account is subject to a Photocopy Fee, except as limited by applicable law and when the request is made in\nconnection with a billing error made by the Credit Union, a fee may be charged to Your Account for each photocopy of any\ndocument that You request.\nCollection Costs:\nFor Idaho Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court\ncosts and, if the amount You borrowed was greater than $1,000.00, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 7.99% - 17.99% which is a daily periodic rate of 0.0219% - 0.0493%.\nThe Balance Transfer APR is 7.99% - 17.99% which is a daily periodic rate of 0.0219% - 0.0493%.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-2-052217 (MXC201-E)\n\n\x0cThe Cash Advance APR is 7.99% - 17.99% which is a daily periodic rate of 0.0219% - 0.0493%.\nThe Penalty Rate APR is 18.00% which is a daily periodic rate of 0.0493% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\n3rd Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than\n17.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You\nwill pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the\nIndex is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 4.49% - 13.49% above the Index.\nBalance Transfers will be charged at 4.49% - 13.49% above the Index.\nCash Advances will be charged at 4.49% - 13.49% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n11100245-MXC20-P-2-052217 (MXC201-E)\n\n\x0c'