b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nEMPOWER VISA SIGNATURE\nPLATINUM/PLATINUM SECURED\nPLATINUM REWARDS\n\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 First Commonwealth Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and\n\xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account"\nmeans the line of credit established by this 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 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03711480-MXC30-C-1-111519 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder 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.\nPlatinum/Platinum Secured, Platinum Rewards/Platinum Rewards Secured - A fee (finance charge) will be charged\non all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s country code differs from the\nmerchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions completed in a foreign currency. All\nPage 2 of 6\n\n03711480-MXC30-C-1-111519 (MXC303-E)\n\n\x0cfees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except\nwhere excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying 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 under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\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 PO Box 20450,\nLehigh Valley, PA, 18002-0450 or call Us at (610) 821-2403 or (888) 821-2400, Monday through Thursday 7:30 a.m. to\n5:00 p.m. Eastern Time or (610) 821-2403 or (888) 821-2400, Friday 7:30 a.m. to 6:00 p.m. Eastern Time or (610) 8212403 or (888) 821-2400, Saturday 9:00 a.m. to 1:00 p.m. Eastern Time or (855) 710-3054 (domestic) or (303) 967-1096\n(international), seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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\nPage 3 of 6\n\n03711480-MXC30-C-1-111519 (MXC303-E)\n\n\x0cunder 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.\n14. 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\nPennsylvania.\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. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. 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.\n26. 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.\n27. 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.\nPage 4 of 6\n\n03711480-MXC30-C-1-111519 (MXC303-E)\n\n\x0c28. 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. 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.\n34. 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\n\n03711480-MXC30-C-1-111519 (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\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\n\n03711480-MXC30-C-1-111519 (MXC303-E)\n\n\x0cCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nEMPOWER VISA SIGNATURE\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\n\n14.25%\n\nThis APR will vary with the market based on the Prime Rate.\n14.25%\nThis APR will vary with the market based on the Prime Rate.\n14.25%\nThis APR will vary with the market based on the Prime Rate.\n\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\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\nNone\nUp to $25.00\nUp to $15.00\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.\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).\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\n03711480-MXC20-C-1-062619 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 11 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.\nReturned Payment Fee:\n$15.00 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$50.00. 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$5.00. 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.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 14.25% which is a daily periodic rate of 0.0390%.\nThe Balance Transfer APR is 14.25% which is a daily periodic rate of 0.0390%.\nThe Cash Advance APR is 14.25% which is a daily periodic rate of 0.0390%.\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\nthe last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater\nthan 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest\nYou will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If\nthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 11.00% above the Index.\nBalance Transfers will be charged at 11.00% above the Index.\nCash Advances will be charged at 11.00% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03711480-MXC20-C-1-062619 (MXC201-E)\n\n\x0cCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nPLATINUM 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\nAPR for Balance Transfers\nAPR for Cash Advances\n\n8.25%\n\nThis APR will vary with the market based on the Prime Rate.\n8.25%\nThis APR will vary with the market based on the Prime Rate.\n8.25%\nThis APR will vary with the market based on the Prime Rate.\n\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\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $25.00\nUp to $15.00\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.\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).\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\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 11 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.\nReturned Payment Fee:\n$15.00 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$50.00. 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$5.00 . 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.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 8.25% which is a daily periodic rate of 0.0226%.\nThe Balance Transfer APR is 8.25% which is a daily periodic rate of 0.0226%.\nThe Cash Advance APR is 8.25% which is a daily periodic rate of 0.0226%.\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\nthe last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater\nthan 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest\nYou will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If\nthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\n5.00% above the Index.\nPurchases will be charged at\nBalance Transfers will be charged at\n5.00% above the Index.\nCash Advances will be charged at\n5.00% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0cCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nPLATINUM\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\n\n6.99%\n\nThis APR will vary with the market based on the Prime Rate.\n6.99%\nThis APR will vary with the market based on the Prime Rate.\n6.99%\nThis APR will vary with the market based on the Prime Rate.\n\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\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $25.00\nUp to $15.00\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.\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).\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\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 11 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.\nReturned Payment Fee:\n$15.00 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$50.00. 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$5.00 . 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.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 6.99% which is a daily periodic rate of 0.0191%.\nThe Balance Transfer APR is 6.99% which is a daily periodic rate of 0.0191%.\nThe Cash Advance APR is 6.99% which is a daily periodic rate of 0.0191%.\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\nthe last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater\nthan 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest\nYou will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If\nthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\n3.24% above the Index.\nPurchases will be charged at\nBalance Transfers will be charged at\n3.24% above the Index.\nCash Advances will be charged at\n3.24% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0cCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nPLATINUM SECURED\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\n\n6.99%\n\nThis APR will vary with the market based on the Prime Rate.\n6.99%\nThis APR will vary with the market based on the Prime Rate.\n6.99%\nThis APR will vary with the market based on the Prime Rate.\n\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\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $25.00\nUp to $15.00\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.\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).\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\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 11 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.\nReturned Payment Fee:\n$15.00 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$50.00. 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$5.00 . 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.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 6.99% which is a daily periodic rate of 0.0191%.\nThe Balance Transfer APR is 6.99% which is a daily periodic rate of 0.0191%.\nThe Cash Advance APR is 6.99% which is a daily periodic rate of 0.0191%.\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\nthe last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater\nthan 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest\nYou will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If\nthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\n3.24% above the Index.\nPurchases will be charged at\nBalance Transfers will be charged at\n3.24% above the Index.\nCash Advances will be charged at\n3.24% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03711480-MXC20-P-4-013120 (MXC201-E)\n\n\x0c'


b'NUVISION FEDERAL CREDIT UNION VISA\nCREDIT CARD AGREEMENT AND FEDERAL\nTRUTH-IN-LENDING DISCLOSURE STATEMENT\nEffective 11-12-13\nIn this Agreement and Disclosure Statement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who apply for or use the NuVision Federal Credit Union Visa\xc2\xae Card and/or Visa\nAccount. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card and any duplicates and renewals the Credit\nUnion issues to you. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card Account with the Credit\nUnion. The terms \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean NuVision Federal Credit Union.\nOBLIGATION: By applying and receiving, signing, using or permitting another to sign or\nuse the Card and/or Account issued by the Credit Union, you agree to be bound by the\nfollowing terms and conditions as set forth herein and any subsequent amendments hereto.\nSIGNATURE: You should sign the back of your Card as soon as you receive it to help\nprotect your Account from unauthorized use. However, your liability does not depend on\nwhether you sign your Card.\nAUTHORIZATION AND PAYMENT: You authorize us to pay and charge your Account for\nall Purchases, Cash Advances or Balance Transfers made or obtained by you or anyone\nyou authorize to use your Card or Account. You will be obligated to pay all such Purchases,\nCash Advances and Balance Transfers charged to your Account whether resulting from:\n(1) actual use of your Card; or (2) mail order or telephone, computer, or other electronic\nPurchases made without presenting the Card; or (3) any other circumstance where\nyou authorize a charge, or authorize someone else to make a charge, to your Account\n(collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). You promise to pay us or to our order in U.S. Dollars\nwith an instrument drawn on a financial institution in the United States at our office or at\nthe address set forth on your periodic statement all authorized charges on the terms and\nat the rates set forth herein, plus any FINANCE CHARGES assessed on your Account, and\nany other charges and fees which you may owe us under the terms of this Agreement and\nDisclosure Statement (the \xe2\x80\x9cAccount Balance\xe2\x80\x9d). Payments will continue until you have paid\nin full the Account Balance.\nPURCHASES AND ADVANCES: You may make Purchases and request Advances or\nBalance Transfers in accordance with then current loan policies up to your Credit Limit.\nYou understand and agree that all Purchases and other transactions requested by you or\nanyone you have permitted to use the Card(s) and/or Account are subject to our approval.\nUSING THE CARD: Three (3) types of credit are available to you under your Account.\n1. Purchases: You may use your Card and/or Account to pay for goods and services\nat participating VISA Card merchants.\n2. Cash Advances: You may use your Card to obtain cash from a participating\nfinancial institution or from an authorized Automated Teller Machine (ATM) along\nwith a Personal Identification Number (PIN) issued by us or selected by you.\n3. Balance Transfer: You may transfer balances to your Account from other creditors,\nprovided that we in our sole and absolute discretion approve your request. Balance\ntransfers are subject to a $500 minimum transfer amount requirement.\nYour Card, Checks and/or Account may not be used directly or indirectly for: (1) any\nillegal activity or transaction; or (2) any gambling, gaming, betting, or similar activity\nor transaction. Further, you may not utilize your Card and/or Account for the purchase\nof any goods or services on the Internet that involve gambling, gaming, betting, or any\nsimilar transaction or activity. Such transactions include, but may not be limited to,\nany quasi-cash or online gambling transaction, any electronic commerce transaction\nconducted over an open network, and any betting transaction including the purchase of\nlottery tickets or casino gaming chips/checks or off-track betting or wagering. However,\nin the event that a charge or transaction described in this paragraph is approved and\nprocessed, you will still be responsible for such charges.\nREQUEST FOR LOAN / CREDIT LIMIT: Your Account has a Credit Limit that is established\nby us. We may increase or decrease your Credit Limit at any time and we may notify\nyou of such increase or decrease by mail or through a statement sent to the primary\nAccountholder\xe2\x80\x99s address of record, in accordance with applicable legal requirements. We\nwill provide you oral or written notice of any decrease in your Credit Limit. If you object to\nany Credit Limit increase, you must notify us immediately. You or your joint applicant for\nthe Account may request a change to the Credit Limit orally, in writing, or electronically,\nbut any such request must be approved by us. If your Credit Limit is increased, you are\nimmediately responsible for the new Credit Limit and any increase in the Account Balance\neven when it differs from an amount previously agreed to orally or in writing.\nThe Card(s) remain our property and you must recover and surrender to us all Cards upon our\nrequest and/or upon termination of this Account. You are responsible for safekeeping of the Card.\nCREDIT INFORMATION: You authorize us to investigate your credit standing when\nopening, renewing, or reviewing the Account, and you authorize us to disclose information\nregarding the Account to credit bureaus and other creditors who inquire of us about your\ncredit standing to the extent authorized by law.\nCHANGE OF TERMS: Account and Agreement terms are not guaranteed for any period\nof time. You understand and agree that we may amend, modify, add to, or delete from this\nAgreement and Disclosure Statement any of its terms and conditions, including financial\nterms such as the method of application and the amount of any INTEREST CHARGE,\nTransaction Fee, or other FINANCE CHARGE, ANNUAL PERCENTAGE RATE, Daily Periodic\nRate, and/or fee in accordance with applicable laws. If required by applicable law, we\nwill mail a notice of the change to you at your last known address. You also understand\nthat in the event of a significant change, as defined under the Federal Truth in Lending\nAct, any such notice will be mailed at least forty-five (45) days prior to the effective date\nof the significant change as required by applicable law. If we are required by applicable\nlaw to provide you a right to reject significant changes to this Agreement and Disclosure\nStatement prior to the effective date of such changes, we will provide you with an\nexplanation of how to reject the significant changes, unless you fail to make a required\n\n1\n\n00133-1106-01NuVis543VisaDsc.indd 1\n\nminimum payment within sixty (60) days after its due date. We may change the terms\nof this Agreement and Disclosure Statement based on information in your credit report,\nmarket conditions, business strategy or for any other reason. Notice of a change in terms\nis required, but may be sent as late as the effective date of the change where the change\nhas been agreed to in writing, by you.\nINTEREST RATES AND INTEREST CHARGES: You understand that a portion of\nyour FINANCE CHARGES incurred during a billing cycle will include your INTEREST\nCHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle\nwill be calculated by applying your Daily Periodic Rate to your Average Daily Balance. You\nunderstand and agree that under the \xe2\x80\x9cChange of Terms\xe2\x80\x9d section above, we have the right\nin our sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE\nRATE, Daily Periodic Rate and/or INTEREST CHARGE that may apply to your Account.\nDaily Periodic INTEREST CHARGE, Daily Periodic Rate, and ANNUAL PERCENTAGE\nRATE for Cash Advances, Balance Transfers, and Purchases: The Daily Periodic Rate\nused in calculating the Daily Periodic INTEREST CHARGE (and the corresponding ANNUAL\nPERCENTAGE RATE) for Cash Advances, Balance Transfers, and Purchases are disclosed\non the enclosed Visa Credit Card Acceptance Letter the terms of which are incorporated\nherein by this reference.\nPENALTY ANNUAL PERCENTAGE RATE: A penalty ANNUAL PERCENTAGE RATE of\n17.99% (corresponding Daily Periodic Rate of .0492877%) may be applied to your Account\nBalance if you fail to make a payment when due or you make a payment that is returned.\nWe will provide you notice of such penalty ANNUAL PERCENTAGE RATE at least forty-five\n(45) days prior to the effective date of the penalty ANNUAL PERCENTAGE RATE and such\nnotice will inform you which future transactions and/or outstanding balances are subject\nto the penalty ANNUAL PERCENTAGE RATE.\nGenerally, the penalty ANNUAL PERCENTAGE RATE will apply to future transactions that\noccur more than fourteen (14) days after we provide you notice of the penalty ANNUAL\nPERCENTAGE RATE increase and will revert to the applicable ANNUAL PERCENTAGE\nRATE set forth in the Visa Credit Card Acceptance Letter, provided that you make six (6)\nconsecutive Minimum Monthly Payments when due beginning with the first (1st) payment\ndue after the effective date of the increase.\nHowever, if you fail to make a Minimum Monthly Payment within sixty (60) days after its\nPayment Due Date, the penalty ANNUAL PERCENTAGE RATE will apply to all outstanding\nbalances and future transactions. In such event, your ANNUAL PERCENTAGE RATE\nwill cease applying to transactions that occurred prior to or within fourteen (14) days of\nprovision of the notice and will revert to the applicable \xe2\x80\x9cstandard\xe2\x80\x9d ANNUAL PERCENTAGE\nRATE set forth above, provided that you make six (6) consecutive Minimum Monthly\nPayments when due beginning with the first (1st) payment due after the effective date\nof the increase.\nTRANSACTION FEES: You understand that, in addition to INTEREST CHARGES incurred\nduring a billing cycle another portion of your FINANCE CHARGES incurred during a billing\ncycle may include Transaction Fees incurred during that billing cycle. You understand\nand agree that under the \xe2\x80\x9cChange of Terms\xe2\x80\x9d section above, we have the right in our sole\nand absolute discretion to change the amount of any Transaction Fee that may apply to\nyour Account. Your Transaction Fees for a billing cycle will be the sum of the three (3)\ncomponents below, each of which is a FINANCE CHARGE.\n1. Cash Advance Fee: One (1) component of the Transaction Fee is the Cash Advance\n\t\t Fee. Cash Advance transactions are subject to a Cash Advance Fee of 3% of the\n\t\t amount of the Advance, and are posted to the Account during the billing cycle\n\t\t (minimum fee of $10.00, maximum fee not to exceed $100.00 per advance).\n2. Foreign Transactions Fee: The second (2nd) component of the Transaction Fee is the\n\t\t Foreign Transactions Fee. International Purchases, Cash Advances, and credit\n\t\t transactions in a currency other than U.S. dollars are subject to a\n\t\t Foreign Transactions Fee of 1% of the amount of the Purchase, Cash Advance, or\n\t\t credit transaction which is posted to the Account during the billing cycle. International\n\t\t Purchases, Cash Advances, and credit transactions that are made in U.S. dollars are\n\t\t subject to a Foreign Transactions Fee of 0.8% of the amount of the Purchase, Cash\n\t\t Advance, or credit transaction which is posted to the Account during the billing cycle.\n3. Balance Transfer Fee: The third (3rd) component of the Transaction Fee is\n\t\t the Balance Transfer Fee. Balance Transfer transactions are subject to a\n\t\t Balance Transfer Fee of $10 or 3% of the amount of the Transfer, whichever is\n\t\t greater (maximum limit $100) and are posted to the Account during the billing\n\t\t cycle per Balance Transfer transaction.\nThe above Transaction Fees and other fees for the billing cycle will be shown on your\nperiodic statement.\nHOW TO COMPUTE THE ADVANCES BALANCE (CONSISTING OF TRANSACTIONS\nRELATED TO CASH AND OTHER ADVANCE TRANSACTIONS) UPON WHICH\nPERIODIC FINANCE CHARGES ARE ASSESSED; AVERAGE DAILY BALANCE\n(INCLUDING NEW ADVANCES):\nWe figure a portion of the INTEREST CHARGE on your Account by applying the\nCash Advance Daily Periodic Rate to the Average Daily Balance of Cash Advances\n(including current Cash Advances). To get the Average Daily Balance of Cash Advance\ntransactions we take the beginning balance of Cash Advance transactions on your\nAccount each day, add any new Cash Advances, and subtract any payments or\ncredits, and unpaid INTEREST CHARGES and other FINANCE CHARGES. This gives\nus the daily balance of Cash Advance transactions. Then, we add up all the daily\nbalances of Cash Advance transactions for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the Average Daily Balance of Cash\nAdvance transactions.\n\nThere is no grace period in order to avoid the imposition of INTEREST CHARGES on\nCash Advances.\nHOW TO COMPUTE THE BALANCE TRANSFER BALANCE UPON WHICH PERIODIC\nINTEREST CHARGES ARE ASSESSED; AVERAGE DAILY BALANCE (INCLUDING\nCURRENT BALANCE TRANSFER TRANSACTIONS)\nWe figure a portion of the INTEREST CHARGE on your Account by applying the\nBalance Transfer Daily Periodic Rate to the Average Daily Balance of Balance\nTransfers (including current Balance Transfers). To get the Average Daily Balance\nof Balance Transfer transactions we take the beginning balance of Balance Transfer\ntransactions on your Account each day, add any new Balance Transfer transactions,\nand subtract any payments or credits, and unpaid INTEREST CHARGES and other\nFINANCE CHARGES. This gives us the daily balance of Balance Transfer transactions.\nThen, we add up all the daily balances of Balance Transfer transactions for the billing\ncycle and divide the total by the number of days in the billing cycle. This gives us the\nAverage Daily Balance of Balance Transfer transactions.\nThere is no grace period in order to avoid the imposition of INTEREST CHARGES on\nBalance Transfers.\nHOW TO COMPUTE THE PURCHASE BALANCE, CONSISTING OF TRANSACTIONS\nRELATED TO PURCHASES OF PROPERTY AND SERVICES, UPON WHICH PERIODIC\nFINANCE CHARGES ARE ASSESSED; AVERAGE DAILY BALANCE (INCLUDING NEW\nPURCHASES); AVERAGE DAILY BALANCE (INCLUDING NEW PURCHASES):\nWe figure a portion of the INTEREST CHARGE on your Account by applying the\nPurchase Daily Periodic Rate to the Average Daily Balance of Credit Purchases\n(including current Purchase transactions). To get the Average Daily Balance of\nPurchase transactions we take the beginning balance of Purchase transactions on\nyour Account each day, add any new Purchases, and subtract any payments or\ncredits, and unpaid INTEREST CHARGES and other FINANCE CHARGES. This gives\nus the daily balance of Purchase transations. Then, we add up all the daily balances of\nPurchase transactions for the billing cycle and divide the total by the number of days\nin the billing cycle. This gives us the Average Daily Balance of Purchase transactions.\nYou have at least a 25 day grace period from the close of each billing cycle to pay the\nNew Balance without incurring additional INTEREST CHARGES provided that either:\n(1) we received payment in full of the ending balance for the previous billing cycle by\nthe Payment Due Date disclosed in the previous billing cycle\xe2\x80\x99s periodic statement;\nor (2) the previous billing cycle\xe2\x80\x99s ending balance was $0. If you have a grace period\nto pay the New Balance for any billing cycle, and do not pay the New Balance in full\nduring this grace period, INTEREST CHARGES will be assessed on any portion of the\nNew Balance not paid during the grace period using the Average Daily Balance method\nas explained above. The Payment Due Date disclosed on each periodic statement\nprovided to you is the last day of your grace period for that statement\xe2\x80\x99s billing cycle.\nThis determines our total INTEREST CHARGE for the billing cycle. Actual INTEREST\nCHARGES will be shown on your periodic statement. The combination of periodic\nINTEREST CHARGES, Cash Advance Fee, Balance Transfer Fee, and Foreign\nTransactions Fee, will not exceed the ANNUAL PERCENTAGE RATE permitted under\napplicable law.\nMINIMUM PAYMENT: Every month, you must pay at least the Minimum Payment Due by\nthe Payment Due Date shown on your periodic statement. By separate agreement, you may\nauthorize us to automatically transfer the Minimum Payment Due from your Credit Union\nshare or share draft account. You may of course, pay more frequently, pay more, or pay\nthe Account Balance in full, and you will reduce your periodic INTEREST CHARGE by doing\nso. The Minimum Payment Due will be either: (a) 2.0% of your Account Balance, or $10.00,\nwhichever is greater; or (b) my Account Balance, if it is less than $10.00.\nIn addition, you must pay any amount on your periodic statement listed as past due and\nany late charge. Lastly, at any time your Account Balance exceeds your Credit Limit, you\nmust pay the excess in addition to any Overlimit Charge.\nYou understand and agree that any Minimum Monthly Payment made by you will be\napplied in the following order: (a) unpaid fees and charges, if any; (b) unpaid periodic\nINTEREST CHARGES, Transaction Fees, and other FINANCE CHARGES due on Purchases,\nBalance Transfers, and Cash Advances; (c) outstanding balances of Cash Advances,\nBalance Transfers, and Purchases previously billed; and (d) current Cash Advances,\nBalance Transfers, and Purchases. If two or more transactions are posted on the same\nday, your payment will be applied first to the smaller of them. Any payment you make in\nexcess of the Minimum Monthly Payment will be applied to your balances subject to the\nhighest ANNUAL PERCENTAGE RATE first, then to balances subject to lower ANNUAL\nPERCENTAGE RATES, in descending order of ANNUAL PERCENTAGE RATES until all\nbalances subject to an ANNUAL PERCENTAGE RATE are paid in full. Thereafter, we will\napply all payments in excess of the Minimum Monthly Payment, if applicable, in the same\norder as we apply the Minimum Monthly Payment.\nYou must pay us directly and we must receive your payment and the remittance stub on or\nbefore the Payment Due Date in order for your Account to be credited by the Payment Due\nDate. All payments must be in U.S. dollars by check drawn on or a money order issued by\na U.S. financial institution, naming us as payee. You must not send cash.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the Minimum\nPayment Due, you understand that you have the right to repay your Account Balance at\nany time without penalty. You also understand and agree that you will only be charged\nINTEREST CHARGES to the date you repay your entire Account Balance. You may make\nlarger payments without penalty and this may reduce the total amount of INTEREST\nCHARGES that you will repay. If you pay more than the Minimum Payment Due in any\nmonth and there is still a balance due, you must continue to make Minimum Payments in\nfuture months. Any partial payment of your Account Balance will not advance your next\npayment due date(s). You understand and agree that any payment that (a) delays or (b)\n\naccelerates the repayment of your Account Balance will (a) increase or (b) decrease your\nDaily Periodic INTEREST CHARGE.\nPAYMENTS BY AUTOMATIC TRANSFER: If you request payment by automatic transfer,\nyou understand and agree that no payment can or will be made if there are insufficient or\nuncollected funds in the designated sub-account to make the scheduled payment. Should\nthis event occur, you understand and agree that you will not be released from making the\npayment. Any automatic transfer you have requested will remain in effect until you cancel\nit in writing or the Agreement is paid in full. We may cancel this service at our discretion.\nTERMINATION: We may terminate this Agreement and Disclosure Statement upon your\ndefault. Either you or us may terminate this Agreement and Disclosure Statement for\nother good cause. In no event shall any termination relieve you of your obligation to\nrepay the entire Account Balance. You agree to return all the Cards issued to you or any\nparty designated by you. In the event of termination, all amounts owing pursuant to this\nAgreement and Disclosure Statement shall become immediately due and payable without\ndemand or further notice at our option at the current ANNUAL PERCENTAGE RATE until\npaid. If you fail to pay the entire outstanding Account Balance upon demand, you agree\nto pay all collection costs of the Credit Union, including reasonable attorneys\xe2\x80\x99 fees. If you\nterminate the Account, you will remain liable to us for use of the Card and/or the Account\nuntil all Cards are returned to us and the Account Balance is paid in full.\nLIEN ON SHARES: If you have voluntarily agreed to a lien on shares in your Visa\nApplication, you understand and agree that if you are in default on the Account, we may\nimpress and enforce a lien on all shares (except IRA accounts) then on deposit needed by\nus to repay the unpaid balance of the Account in accordance with the Federal Credit Union\nAct \xc2\xa71757(11) and our bylaws.\nDebt Protection: Debt Protection is voluntary and is not a condition of approval of this\nloan. It will only be made available if you sign a separate election form.\nDEFAULT: You will be in default if: 1) you do not pay on time or in the proper amount(s);\n2) you fail to live up to any of the terms of this Agreement and Disclosure Statement; 3)\nyour creditworthiness is impaired; or 4) you die, become insolvent or are the subject of\nbankruptcy or receivership proceedings. In the event of any action by us to enforce this\nAgreement and Disclosure Statement, you agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. You understand and agree that INTEREST CHARGES\nat the ANNUAL PERCENTAGE RATE as permitted under this Agreement and Disclosure\nStatement will continue to accrue until you repay your entire Account Balance.\nACCELERATION AND COLLECTION COSTS: Upon your default, you understand and\nagree that we have the right to temporarily or permanently suspend any and all Account\nand Card privileges and/or we may demand immediate payment of the Account Balance,\nincluding INTEREST CHARGES, Transaction Fees, other FINANCE CHARGES, Late\nCharges, Overlimit Fees and our collection costs, reasonable attorney\xe2\x80\x99s fees, and court\ncosts (collectively, \xe2\x80\x9ccollection-related charges\xe2\x80\x9d). You understand and agree that you will be\nsubject to INTEREST CHARGES (at the applicable Daily Periodic Rate), Transaction Fees,\nother FINANCE CHARGES, Late Charges, Overlimit Fees and collection-related charges\nunder the terms disclosed in this Agreement and Disclosure Statement, until you repay\nthe entire Account Balance.\nUNAUTHORIZED USE: If you notice the loss or theft of your Card or a possible\nunauthorized use of your Card, you should write to us immediately at: 7812 Edinger\nAvenue, Huntington Beach, CA 92647 or call us at: 888-607-4775 / International Number\n605-782-3868.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may,\nhowever, be liable for unauthorized use that occurs before your notice to us. In any case,\nyour liability will not exceed $50. Your liability may be lower in cases of Visa\xc2\xae Card fraud\nin accordance with Current Visa\xc2\xae U.S.A., Inc. Operating Rules.\nELECTRONIC FUND TRANSFER: In the event a use of your Card or the Account number of\nthe Card constitutes an Electronic Fund Transfer, the terms and conditions of my Electronic\nServices Disclosure and Agreement with you shall govern such transactions to the extent\nthe Electronic Services Disclosure and Agreement expands or amends this Agreement and\nDisclosure Statement.\nRESPONSIBILITY OF BORROWER: You agree to repay us according to the terms of this\nAgreement and Disclosure Statement for all Purchases, Advances, INTEREST CHARGES,\nTransaction Fees, other FINANCE CHARGE, Late Charges, and Overlimit Fees (if any)\narising from the use of the Account by you or any other person you permit to use the\nAccount, even if that person exceeds your permission. You cannot disclaim responsibility\nby notifying us, although we will close the Account if you so request and you will return\nall Cards to us. Your obligation to pay the Account Balance continues even though an\nagreement, divorce decree or other court judgement to which we are not a party may\ndirect you or one of the other persons responsible to pay the Account. Any person using\nthe Account and/or Card is jointly and severally responsible with you for charges he or\nshe makes, plus any FINANCE CHARGES, Overlimit Fees, Other Fees and Charges and\nexpenses provided for in this Agreement and Disclosure Statement, but if that person\nsigns the Card he or she becomes a party to this Agreement and is also responsible for all\ncharges on the Account, including yours.\nAUTHORIZED USERS: You may allow Authorized Users on your Account by notifying us that\nyou want someone added to your Account as an Authorized User, or by lending your Card or\nAccount Number to another, or by any other ways in which you would be legally considered\nto have allowed another to use your Account.\nFOREIGN TRANSACTIONS: Purchases, cash advances and credits made in foreign\ncurrencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars\nwill be made in accordance with the VISA operating regulations for international\ntransactions. Such regulations provide for either a 0.8% currency exchange fee for single\ncurrency international transactions (transactions made internationally without a currency\nconversion) or 1% currency exchange fee for multi-currency international transactions\n(transactions made internationally that require a currency conversion), which is added to\n\n\xc2\xad\xc2\xad\xc2\xad2\n\n3\n\n4\n\n9/5/13 9:13 AM\n\n\x0cthe amount of the purchase, cash advance, or credit and retained by VISA. The exchange\nrate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may\nvary from the rate VISA itself receives, or the government mandated rate in effect for the\napplicable central processing date. The conversion rate may be different than the rate\non the day of the transaction or date of the posting of the Account. When a credit to the\nAccount does not fully offset a charge to the Account due to changes in the rate, you will be\nresponsible for the difference.\nOTHER CHARGES: The following Other Charges will be added to your Account, as applicable:\na) ANNUAL FEE: None\nb) RETURNED CHECKS: A fee of $30.00 will be assessed for each VISA payment\ncheck that is returned to the Credit Union for non-sufficient funds. However,\nthe Returned Checks Fee shall not exceed the amount of the Minimum Monthly\nPayment due or the maximum amount permitted under applicable law.\nc) LATE PAYMENT FEE: We will charge a fee as described below with respect to\nany monthly billing cycle as a Late Payment Fee on the minimum payment due\nthat is not paid within 5 days after the date the payment is due. However, the Late\nPayment Fee shall not exceed the amount of the Minimum Monthly Payment due\nor the maximum amount permitted under applicable law.\nIf your Account Balance is less than $1,000 the Late Payment Fee is $10.00\nIf your Account Balance is $1,000.01 to $1,250.00 the Late Payment Fee is $20.00\nIf your Account Balance is $1,250.01 or greater, the Late Payment Fee is $25.00\nSURRENDER OF CARD(S): The Card(s) remains our property and, if we request, you must\nsurrender to us all Card(s) we have issued on the Account.\nLOST OR STOLEN CARDS AND CHECKS: You will notify us AT ONCE if you believe that\nthe Card, Account number, PIN or any combination of the four has been lost or stolen or\nif you think your Account is being used without your permission, by immediately calling\nus at (800) 444-6327 between 9:00 a.m. and 4:00 p.m. (Pacific Time), Monday through\nFriday, excluding holidays and weekends or after Credit Union hours at 888-607-4775 /\nInternational Number 605-782-3868.\nTelephoning is the best way of keeping your possible losses down. You understand that\nyour total liability to us shall not exceed $50.00 for any Account and/or Card transactions\nresulting from the loss, theft, or other unauthorized use of the Account and/or Card that\noccurs prior to the time you give notice to us. Such liability does not apply when the\nAccount and/or Card is used to make an electronic transfer.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: We may accept checks, money orders, or other\ntypes of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language to indicate full\nsatisfaction of any indebtedness without being bound by such language or waiving any\nrights under this Agreement and Disclosure Statement. Full satisfaction of indebtedness\nshall be accepted by us only in a written agreement, signed by an authorized representative.\nDELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement\nand Disclosure Statement without losing them.\nGOVERNING LAW: You understand and agree that this Agreement and Disclosure\nStatement is made in California and shall be governed by the laws of the State of California\nto the extent that California law is not inconsistent with controlling Federal law. You also\nunderstand that California\xe2\x80\x99s choice of law rules shall not be applied if they would result in\nthe application of non-California law.\nINTEGRATED DOCUMENT(S): Any separate sheet of paper labeled \xe2\x80\x9cVISA Credit Card\nAcceptance Letter,\xe2\x80\x9d \xe2\x80\x9cShare Pledge Agreement Securing a Credit Card\xe2\x80\x9d or \xe2\x80\x9cAdditional\nDisclosure \xe2\x80\x93 Federal Truth-in-Lending Act\xe2\x80\x9d which is delivered together with this Agreement\nand Disclosure Statement is an integrated part of this Agreement and Disclosure Statement.\nMEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain\na member in good standing with us to be eligible for continuing Account and/or Card\nprivileges including future Purchases and Advances. You understand and agree that we\nmay suspend the Account and/or Card privileges during any period in which you do not\nmaintain your membership with us.\nTELEPHONE MONITORING: We may listen to and record telephone calls between you and\nus to monitor and improve the quality of service you receive.\nCHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS: You understand and agree that\nyou must notify us immediately of any change in your name, address, or employment status.\nACCURACY OF INFORMATION: The information provided in your request for credit\n(Application) is accurate and you will notify us in writing immediately if there is a change in\nyour financial condition. We may retain the Application. You understand that it is a violation\nof Section 1014, Title 18, US Code to make false statements or over value security for the\npurpose of influencing the action of any federally insured credit union. We may gather\ncredit and/or employment information we deem necessary and appropriate from time to\ntime and we may give information concerning your credit experience with you to others.\nTRANSACTION SLIPS: Your periodic statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made, but sales, Cash Advance,\ncredit, or other slips cannot be returned with the periodic statement. You will retain the\ncopy of such slips furnished at the time of the transaction in order to verify your periodic\nstatement. We may charge a reasonable fee for any photocopies or slips you request.\nMERCHANT DISPUTES: The Credit Union is not responsible for the refusal of any\nmerchant or financial institution to honor the Account and/or Card. We are subject to\nclaims and defenses (other than tort claims) arising out of goods or services you purchase\nwith the Card only if you have made a good faith attempt but have been unable to obtain\nsatisfaction from the merchant, and (a) your purchase was made in response to an\nadvertisement we sent or participated in sending you; or (b) your purchase cost more than\n\n$50.00 and was made from a merchant in your state or within 100 miles of your current\nmailing address. Any other dispute you must resolve directly with the merchant.\nRETURNS AND ADJUSTMENTS: If a merchant discloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d, \xe2\x80\x9cno\nrefund\xe2\x80\x9d, \xe2\x80\x9cno return or credit without receipt\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, \xe2\x80\x9cstore credit only\xe2\x80\x9d, or \xe2\x80\x9call sales final\xe2\x80\x9d,\nyou will be bound by that policy when you use your Account to buy goods or services from\nthat merchant. Merchants and others who honor the Account and/or Card may give credit\nfor returns or adjustments, and they will do so by sending us a credit slip which we will post\nto the Account. If your credits and payments exceed what you owe us, we will hold and\napply this credit balance against future Purchases and Cash Advances, or if it is $1.00 or\nmore, refund it on your written request or automatically after six (6) months.\nRECURRING TRANSACTIONS: If you authorize a merchant to charge your Account for\nrepeat transactions without your Card, you must notify the merchant when you want to\ndiscontinue the recurring transactions or if your Account is closed or a new Account\nnumber is issued by us.\n\n5\n\n6\n\n00133-1106-01NuVis543VisaDsc.indd 2\n\nPLEDGE OF SHARES: If you have signed a separate Share Pledge Agreement, you\nunderstand and agree that you are pledging, under the Uniform Commercial Code,\nshares now on deposit in your regular share account(s). You understand that you\nmust, at all times, keep a sum equal to your Credit Limit on deposit in your regular\nshare account(s) until you repay your entire Account Balance and the Account is\nterminated. You understand and agree that this security interest will cover future\nPurchases and Advances under this Agreement and Disclosure Statement. If you\ndefault, we may apply these shares to repay your loan in accordance with federal\nor other law. You understand that the ANNUAL PERCENTAGE RATE, quoted in the\nacceptance letter, does not take into account the amount pledged in your regular\nshare account(s).\nFOR CREDIT CARD TIPS FROM THE CONSUMER FINANCIAL PROTECTION BUREAU:\nTo learn more about factors when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nADDITIONAL TERMS APPLICABLE TO\nCONVENIENCE CHECKS\nCHECK USES: You can use the Visa Convenience Checks (\xe2\x80\x9cChecks\xe2\x80\x9d or \xe2\x80\x9cCheck\xe2\x80\x9d) to\npurchase goods and services or to obtain cash up to the amount of your Credit Limit. Use\nof the Checks is a Cash Advance on your Visa Account.\nLIMITATIONS: Checks may not be used to pay any amount you owe under this Agreement\nand Disclosure Statement or under any other credit agreement or account you have\nwith us. We do not have to pay a Check if: (a) you are in default under this or any other\nagreement with us, (b) if payment would cause you to exceed your Credit Limit, (c) if your\nright to use Checks on your Account is cancelled, closed or suspended, (d) your signature\nor the payee\xe2\x80\x99s name or endorsement is missing on the Check or the Check appears altered,\nor (e) your Check is post-dated. If a post-dated Check is paid resulting in another check\nbeing returned or not paid we are not responsible. We are not required to honor a Check\nthat will cause you to exceed your Credit Limit. We will not pay a Check if at the time the\nCheck is presented, you are in default or we have suspended, terminated, or canceled the\nAccount. Each Check must be in the form we have issued to you. Checks may be used\nonly by the person(s) whose name(s) is/are printed on the Check. You are responsible for\nall authorized use of the Checks.\nPERIODIC STATEMENTS: Your periodic statement will show you an itemization of the\nChecks\nposted to the Account during the billing cycle. Checks paid by us will not be returned\nto you with\nyour periodic statement.\nRETURNED CHECK FEE: We will charge a fee of $30.00 per returned Check which will be\nbilled to the Account, if your Check cannot be paid.\nSTOP PAYMENT: Provided such request is timely so that we shall have a reasonable\nopportunity to act upon it under our rules, you may order stop payment on a Check\ndrawn on the Account, other than one that has been guaranteed. In the event of an oral\nstop payment order, the order shall be valid for only fourteen (14) days thereafter unless\nconfirmed in writing. Written stop payment orders will remain in effect only six (6) months\nunless renewed in writing. You have the burden of establishing the fact and amount of loss\nresulting from payment contrary to a binding stop payment order. We will charge a fee of\n$30.00 per Check when you place a stop payment on your Check(s) which will be billed to\nthe Account. The fee will be $20.00 if made via ABIL Audio Response or Home Banking.\nTo stop payment on a Check, you must call us at (800) 444-6327 during our business hours\nof 9:00 a.m. to 6:00 p.m. with the following information: the exact dollar amount of the\nCheck; the Check number; your Account number; the name of the party to whom the Check\nwas written and the name of the person who signed the Check. We will stop payment on\nthe Check if we receive your stop payment request by the business day before the day we\npay your Check. You may write to us to cancel the order at any time.\nSURRENDER OF CONVENIENCE CHECKS: The Checks are our property. We reserve the\nright to revoke them at any time. You agree to return them at our request.\nIf a Card is reported lost or stolen, the Checks are null and void.\nYou agree to hold us harmless and to indemnify us from any liability incurred due to a delay\nor misrouting of a Check where the delay or misrouting is caused by markings placed on\nthe Check by you or a prior endorser that obscure any depository endorsement placed by\nus or our agent.\n\nYOUR BILLING RIGHTS\n\n(Keep this Notice for future use.)\nThis notice contains important information about your rights and responsibilities under\nthe 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, you must write to us at:\nNuVision Federal Credit Union\n7812 Edinger Avenue\nHuntington Beach, CA 92647.\nYou may also contact us via secure e-mail by visiting our website.\nIn your letter, you must give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on my bill, you must describe\n\t\t what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automatic payment is scheduled, if\n\t\t you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us,\nbut if you do 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\n\t\t your 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\n\t\t or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\n\t\t delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\n\t\t continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\n\t\t responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question\n\t\t or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\n\t\t amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date the payment is due.\nWe may then report me 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\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you\nas delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone whom we reported you as delinquent, and we must let those\norganizations know 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\namount 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 your\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\n\t\t miles of your current mailing address, and the purchase price must\n\t\t have been more than $50. (Note: Neither of these are necessary if your\n\t\t purchase was based on an advertisement we mailed to you, or if we\n\t\t own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\n\t\t with cash advances from an ATM or with a check that accesses your\n\t\t credit card account do not qualify.\n3. You must not have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, you\nmust contact us in writing or electronically at:\nNuVision Federal Credit Union\n7812 Edinger Avenue\nHuntington Beach, CA 92647.\nwww.nuvisionfederal.org\nYou may contact us via secure e-mail by visiting our website.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\nFORM 543 REV. 8/13\n\n7\n\nNuVision Federal Credit Union\nP.O. Box 1220\nHuntington Beach, CA 92647-1220\nwww.nuvisionfederal.org\n\nVISA\nCREDIT CARD\nAGREEMENT AND\nFEDERAL TRUTH-INLENDING DISCLOSURE\nSTATEMENT\nPLEASE KEEP THIS\nBROCHURE FOR YOUR\nRECORDS\nThis Disclosure supersedes\nall Disclosures prior to the\neffective date shown below.\nEffective NOVEMBER 12, 2013\n\n00133-1106-01\n\n9/5/13 9:13 AM\n\n\x0c'