b'Municipal Credit Union\nMCU2 VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT\nRETAIL INSTALLMENT CREDIT AGREEMENT\n1. Definitions: In this Agreement the words \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 Municipal Credit\nUnion, 22 Cortlandt Street, New York, New York 10007. The words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9ccardholder\xe2\x80\x9d\nmean anyone in whose name a MCU2 VISA card is issued.\nAnnual Percentage Rate: The cost of your credit as a yearly rate.\nFinance Charge: The dollar amount the credit will cost you.\n2. Purchases: Your Card can be used to buy or lease goods or buy services any place that honors VISA.\nThe debt that results from a Purchase will be transferred to us.\nBalance Transfers: In our discretion, we may allow you to transfer balances from other Accounts or\nloans from other credit card companies, other lenders or other balance transfers we may allow using\nprocedures and forms we provide. Those transfers are \xe2\x80\x9cbalance transfers.\xe2\x80\x9d Balance transfers are treated\nas Purchases and so the amounts transferred will be applied to your Purchases Account. Generally, you\nare not authorized to transfer balances to this Account from other Accounts or loans with us. If you\nrequest a balance transfer but do not have enough available credit, we may transfer only a part of the\nrequested amount.\n3. Advances: Your Card can be used to obtain an advance (loan) at any of our branch offices, at any\nfinancial institution which honors VISA or any other authorized location. If you have received a personal\nidentification number (PIN), you may use your Card and PIN to obtain advances at any ATM that accepts\nyour Card. Except as otherwise provided in this Agreement, such advances shall be treated as Cash\nAdvances under this Agreement.\n4. Convenience Checks: Upon request, and from time to time, we may send you convenience checks for\nuse in borrowing under this Agreement. All convenience checks you use will be treated as Cash Advances\nunder this Agreement unless we advise you otherwise. You may not use the convenience checks to make\npayments on any credit card Accounts, lines of credit or loans with us. You understand that if you use a\nconvenience check to make a purchase and you have a dispute with that purchase, the dispute is not\ncovered by the Billing Rights Summary below. You understand that the convenience checks will not be\nreturned to you.\n5. Purchases Treated as Cash Advances: We consider certain transactions to be the equivalent of Cash\nAdvances, and we reserve the right to treat them as Cash Advances under this Agreement. Those\ntransactions include using the Card or Account to purchase wire transfer money orders, money orders that\nare not issued by a financial institution or are not in U.S. currency, travelers checks, casino gaming chips,\nlottery tickets, off-track betting, wagers at racetracks, and tax payments.\n6. Maximum Credit Limit: We will from time to time notify you of the maximum amount of credit\nwhich we will extend you under this Agreement. A portion of your credit limit, called the Cash Advance\nlimit, will be available for Cash Advances. We may increase or decrease the credit limit or Cash Advance\nlimit at anytime. The Cash Advance limit will be shown on your monthly statement. We will not be\n\n\x0cresponsible for failing to extend credit to you under this Agreement. You agree not to allow the balance\non your Account to go over the maximum credit limit. We will not extend credit if:\nThe extension of credit would cause the balance of your Account to exceed your credit limit or if\nthe balance of your Account already exceeds your credit limit, or\nAnything has happened that allows us to declare your Account in default and therefore\nimmediately due, or\nYour Card has been canceled or suspended, or\nYour Card has expired.\nIf we do extend credit under any of the conditions above, it will be covered by the terms and provisions of\nthis Agreement. We may delay extending credit if you have previously sent us a payment check or other\nnegotiable instrument which has been returned as unpaid for any reason.\n7. Monthly Billing Statement: If you have a balance in your Account, we will send you a monthly\nbilling statement. It will show, among other things, the total amount of your Purchases and Cash\nAdvances Accounts, the periodic interest charges and other fees and charges, the minimum payment due,\nand the date the payment is due.\n8a. Periodic Interest Charge on Purchases: A periodic interest charge (finance charge) will be imposed\non each Purchase from the date the Purchase is posted to your Account until the date it is paid in full, with\nthe following exceptions: You may avoid periodic interest charges on Purchases during any billing period\nif: (1) the opening balance on Purchases for that billing period was zero (0); or (2) the total of payments\nand credits posted during the billing period equals or exceeds the opening balance for that billing period.\nWe figure the Periodic Interest Charge on Purchases by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your Purchases Account (including current transactions). To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nwe take the beginning balance of your Purchases Account each day, add any new Purchases and subtract\nany payments or credits applied to Purchases that day, unpaid periodic interest charges and other fees and\ncharges. This gives us the daily balance. Then, we add up all the daily balances for the billing period and\ndivide the total by the number of days in the billing period. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nwhich is shown on your statement as the Balance Subject to Interest Rate for Purchases. Finally, we\nmultiply the average daily balance by the daily periodic rate and the number of days in the billing period.\nThe daily periodic rate and corresponding annual percentage rate may vary (increase or decrease)\nquarterly based upon the movement in the highest prime rate as published by The Wall Street Journal on\nMarch 15th, June 15th, September 15th, and December 15th of each year (\xe2\x80\x9cindex date\xe2\x80\x9d). If The Wall\nStreet Journal is not published on any of these dates, the index will be the highest prime rate published on\nthe first publication date immediately following the index date. To obtain the annual percentage rate we\nadd 8.40% to the published index. To obtain the daily periodic rate we divide the annual percentage rate\nby 365. A change in the daily periodic rate and corresponding annual percentage rate resulting from a\nchange in the index on the index dates stated above will be effective as of the beginning of your billing\nperiod in the May, August, November or February next following the index date. If the annual percentage\nrate increases, you will pay a higher interest charge and may pay a higher minimum payment. The daily\nperiodic rate and corresponding annual percentage rate in effect within 30 days of the date this Agreement\nwas sent to you are disclosed in the accompanying Supplement.\n8b. Periodic Interest Charge on Cash Advances: A periodic interest charge (finance charge) will be\nimposed on each Cash Advance from the day the Cash Advance is obtained until the date it is paid in full.\nWe figure the Periodic Interest Charge on Cash Advances by applying the periodic rate to the \xe2\x80\x9caverage\n\n\x0cdaily balance\xe2\x80\x9d of your Cash Advances Account (including current transactions). To get the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d we take the beginning balance of your Cash Advances Account each day, add any new Cash\nAdvances, and subtract any payments or credits applied to Cash Advances that day, unpaid periodic\ninterest charges and other fees and charges. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing period and divide the total by the number of days in the billing period. This gives\nus the \xe2\x80\x9caverage daily balance\xe2\x80\x9d which is shown on your statement as the Balance Subject to Interest Rate\nfor Cash Advances. Finally, we multiply the average daily balance by the daily periodic rate of .04904%\n(corresponding Annual Percentage Rate of 17.90%) and the number of days in the billing period.\n8c. Minimum Interest Charge: There will be a minimum interest charge (finance charge) of fifty cents\n($.50) for each billing period in which a periodic interest charge is payable on your Purchases Account.\n8d. Cash Advance Transaction Fee: You will pay a transaction fee (finance charge) each time you\nobtain a Cash Advance. The transaction fee will be 3% of the amount advanced but not less than $2.00 or\nmore than $30.00.\n8e. Foreign Transactions/Fees: A 1% International Transaction Fee (finance charge) will be assessed on\nall transactions where the merchant is located outside the U.S. (even if the currency used is U.S. dollars).\nThe converted transaction amount will be shown separately from the International Transaction Fee on\nyour billing statement. This fee will be assessed on all international purchases, credit vouchers, and cash\ndisbursements.\nThe exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of\nrates available in wholesale 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 applicable\ncentral processing date, plus the 1% International Transaction Fee.\n9. Late Payment Fee: We will charge you a late fee any time a required minimum payment is not paid in\nfull on or before the date it is due. The amount of this late fee will be the lesser of (a) $25.00, or (b) the\namount of the required minimum payment which was due immediately prior to the assessment of this fee.\nIf you make another late payment within six (6) billing cycles of a previous late payment we will charge\nyou the lesser of (a) $30.00, or (b) the amount of the required minimum payment which was due\nimmediately prior to the assessment of this fee.\n10. Returned Item Fee: We will charge you a returned item fee whenever your payment is returned to us\nfor insufficient funds or any other reason. The amount of this fee will be the lesser of (a) $20.00, or (b)\nthe amount of the required minimum payment due immediately prior to the date the payment is returned.\nIf both a late payment fee and a returned item fee could be charged in any one billing cycle, only the fee\neligible to be assessed first will be charged (and not both fees).\n11. Payment: You promise to pay us all the amounts borrowed under this Agreement and any other\namount which you may owe us pursuant to this Agreement.\nAt any time, and without penalty, you may repay all or part of what you owe. You must, however,\nmake at least the minimum payment each month. This minimum payment will be the total of: (1) the\ngreater of [a] 1/60th of the outstanding principal Cash Advances and Purchases, or [b] $20.00, or the\nbalance due, whichever is less; plus (2) currently calculated periodic interest charges, Cash Advance\ntransaction fees and other fees and charges incurred during the billing period; plus (3) any minimum\npayment amount which is past due. Paying more than the minimum payment for your Account for any\n\n\x0cbilling period will not relieve you of the obligation to pay any future minimum payment for your\nAccount.\n12. Payment Allocation: Your payment will be applied in the following order to any of these costs you\nowe: (1) collection costs, (2) fees and other Card charges, (3) late charges and periodic interest charges in\nthe manner and order the Credit Union elects, and (4) unpaid principal balance of accrued Purchases and\nCash Advances.\n13. Insurance: Credit life insurance and/or credit disability insurance may be made available to you by\nthe Credit Union. Insurance coverage is not required by us as a condition for the extension of credit and\nmay be cancelled by you at any time. A certificate of insurance issued by the insurer will describe in\ndetail the terms, conditions and limitations of this coverage. This certificate will be mailed or provided to\nyou no later than thirty (30) days after coverage begins. If you wish to have this coverage, you will give\nus a written statement that you desire to obtain insurance coverage. The monthly premiums for this\ninsurance will be treated as a Purchase and added to your Purchases Account balance each month.\n14. Default: You will be in default if you fail to make a minimum payment when due. You will be in\ndefault if you break any promise you made under this Agreement, or under any other written agreement\nmade in connection with use of the Card. You will also be in default if you become insolvent, declare\nbankruptcy or die. When you are in default, the Credit Union may demand immediate payment of the\nentire amount you owe under this Agreement without giving you advance notice.\nAlso, we may prohibit any further transactions on your Account, cancel the Cards, and revoke any\nprivileges attaching to the Cards. You agree to surrender all Cards to us or our designee upon demand. If\nyou default, we, at our option, may refuse to pay any of your convenience checks that are presented to us.\nIf we decide to honor such checks, you will owe us the amount of such checks under the terms of this\nAgreement.\n15. No Notice or Loss of Rights: We do not have to notify you if any amount owing under this\nAgreement is not paid by the day it becomes due. We can do any of the following without notifying you\nor losing any right against you:\na. accept a check or money order marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or with similar language, as a payment under this\nAgreement, or\nb. give additional time for payment of any amount owing under this Agreement, regardless of the length\nof any additional time we previously gave, or\nc. exercise, give up, fail to exercise, or delay exercising any right against any person.\n16. Collection Costs: If you are in default, you agree to pay actual costs of collection. This may include\nreasonable attorney fees not to exceed 20% of the amount due.\n17. Amendment: We can change the terms of this Agreement, including the periodic interest charge and\nthe annual percentage rate, at any time. Except where limited by applicable law, the new terms will apply\nboth to new Purchases and Cash Advances and to the full outstanding balance of your Account as of the\nday of the change. In accordance with applicable law, we will notify you of any increased charge or\nchange by writing to you at the most recent address shown for you on our records.\n18. Statement, Notices and Change of Address: Any statement for your Account or any notice\nconcerning your Account or this Agreement we send you will be sent to your current mailing address as\n\n\x0cshown in our records concerning your Account. We can send it by regular mail. If your mailing address\nchanges, you must promptly notify us in writing of the new address. Any notice you send us must be sent\nto: PSCU-MCU, P.O. Box 31112, Tampa, Florida 33631-3112.\n19. No Assignment or Transfer: You cannot assign or transfer your rights under this Agreement. Any\nassignment or transfer by you will be ineffective.\n20. VISA Cards: The MCU2 VISA Card is a part of this Agreement and must be signed immediately\nafter you have received it. Each MCU2 VISA Card issued for use with your Account is and will remain\nour property and must be returned to us if requested to do so. We or anyone acting for us can keep the\nMCU2 VISA Card if it is used after your Account has been canceled or after we have requested you to\nreturn it to us.\n21. Continued Effectiveness: If any part of this Agreement is determined by a court to be invalid, the\nrest will remain in effect.\n22. Additional Cardholders, Authorized Users, and Other Using Your Account: You may authorize\nothers to use your Account. At your request, we may issue one additional Card to you. This additional\nCard must be issued with the individual name of the authorized user embossed thereon. You promise to\npay for all Purchases and Cash Advances made by anyone you authorize to use your Account with or\nwithout a Card, whether or not you notify us that he or she will be using the Account and whether or not\nhe or she exceeds any limits imposed by you on his or her use of the Card. If another person has use of\nyour Account and you want to end that person\xe2\x80\x99s privilege, you must notify us by writing to us, by calling\nus, or in person. In order to avoid unauthorized use, you should recover any Cards in that person\xe2\x80\x99s\npossession.\n23. Use of the Card: We are not responsible if anyone refuses to honor this Card or any convenience\ncheck or for any failure of an ATM to process a Cash Advance request. If there is a problem with\nmerchandise or services obtained with this Card, you may have the right not to pay the remaining amount\ndue on such merchandise or services. This right does not, however, apply to merchandise or services\nobtained with convenience checks or with money from a Cash Advance. Following this Agreement is an\nexplanation of your rights to dispute billing errors. We will have no responsibility for merchandise or\nservices purchased with this Card.\n24. Unauthorized Use of Card: You will be liable for all authorized charges to the Account including\ncharges obtained by all persons whom you authorize to use the Account. You may be liable for the\nunauthorized use of your MCU2 VISA Card. You will not be liable for unauthorized use which occurs\nafter you notify us at: PSCU-MCU, P.O. Box 31112, Tampa, Florida 33631-3112, orally or in writing, of\nthe loss, theft, or possible unauthorized use.\n25. Important Notice: Do not use your credit card before you read this agreement or if this\nagreement contains any blank space. You are entitled to a completely filled-in copy of this credit\nagreement.\n26. Original Application: You agree to let the Credit Union keep the signed copy of your VISA\napplication to comply with federal and/or state law.\n27. Governing Law/Effective Date: This Agreement and all matters arising out of or in connection with\nany credit transaction shall be governed by, and construed in accordance with the laws of the State of\nNew York and the applicable laws of the U.S. This Agreement incorporates by reference all the terms and\nconditions contained in the accompanying Supplement. This Agreement will become effective as to Cash\n\n\x0cAdvances when you use the Card to take a Cash Advance. This Agreement will become effective as to\nPurchases when you use the Card, and the sales slip or other document you sign in connection with such\nuse is accepted by us or our representatives at our offices in New York. (This Agreement will not become\neffective as a result of unauthorized use of the Card for any Purchase which occurs before you first use\nthe Card and after its loss or theft). The Credit Union may terminate this Agreement or cancel your Card\nat any time. Such termination, or cancellation, however, will not affect your obligation to pay the Account\nbalance.\n28. Lost or Stolen Cards: You must notify us immediately if a Card is lost or stolen or if you believe\nthere has been or is about to be unauthorized use of the Card by calling: (800) 449-7728.\n29. Prohibited Use: You may not use your MCU VISA Card for any illegal transaction.\n30. Military Lending Act Disclosures: Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums, fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nIn the event that any of the terms or provisions of this Agreement are proscribed by the Military Lending\nAct, such terms or provisions shall not apply to this Agreement or your Account. The remaining terms\nand provisions of this Agreement, that are not affected thereby, shall remain in full force and effect.\nPlease call Municipal Credit Union at (844) 628-6969, choose option \xe2\x80\x9c9\xe2\x80\x9d to receive important oral\ndisclosures pursuant to the Military Lending Act.\nDear Card Member,\nThis is your contract. Please read it and keep it for your records because when you use your Card, you\xe2\x80\x99ve\nagreed to the terms in the contract.\nMunicipal Credit Union\nBy\nAhmed Campbell, Vice President, Loan Operations\nP.O. Box 992, Peck Slip Station\nNew York, New York 10272-0992\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nMunicipal Credit Union\nCustomer Service\n\n\x0cP.O. Box 31112\nTampa, Florida 33631-3112\nIn your letter, give us the following information:\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. 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\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\nthe applicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within (10) days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\n\n\x0cYour 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\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining 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 miles of your current\nmailing address, and the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed\nto 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\nan ATM or with a check 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 at:\nMunicipal Credit Union\nCustomer Service\nP.O. Box 31112\nTampa, Florida 33631-3112\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nMCU2 Rev. 06/19\n\n\x0cMUNICIPAL CREDIT UNION\n\nSUPPLEMENT TO MCU2 VISA\nCARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT\nSpecial Introductory Annual Percentage Rate\nThe interest rate which will apply to purchases and balance transfers during the first six (6) months\nfollowing the opening of your account is a special introductory rate and is not on based on the index and\nmargin which are set forth in the MCU2 VISA Cardholder Agreement and Disclosure Statement. The\nspecial introductory ANNUAL PERCENTAGE RATE is 0.0%, which correspond to a Daily Periodic Rate\nof .00000%. Beginning in the billing cycle which next follows the expiration of the six (6) month\nintroductory rate period, the variable annual percentage rate described in your MCU2 VISA Cardholder\nAgreement and Disclosure Statement will apply to any existing and new purchase and transferred\nbalances. The ANNUAL PERCENTAGE RATE which would have applied using the margin and index in\neffect on June 15, 2019 is 13.90%, which corresponds to a Daily Periodic Rate of .03808%.\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\n0.00% Introductory APR for the six months.\nAfter that, your APR will be 13.90%. This APR will vary with the market based on\nthe Prime Rate.*\n\nAPR for Cash Advances\n\n17.90%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on Purchases and Balance Transfers if you pay your entire\nbalance by the due date each month. We will begin charging interest on Cash\nAdvances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advances\nForeign\nTransactions\n\nEither $2 or 3% of the amount of each Cash Advance, whichever is greater (maximum\n$30.00).\n1% of each transaction in U.S. dollars.\n\nPenalty Fees\nLate Payment\n\nUp to $30\n\n\x0cReturned\nPayment\n\nUp to $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases).\xe2\x80\x9d\n*Variable rates may change quarterly based upon the movement in the highest prime rate as published in\nThe Wall Street Journal on March 15th , June 15th, September 15th and December 15th of each year (the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d). We add 8.40% to the Prime Rate to determine the Purchases/Balance Transfers\nAPR. The Prime Rate as of June 15, 2019 was 5.50%. (Refer to Section 8a. of the Cardholder\nAgreement for more details.)\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your Cardholder Agreement.\n06/19\n\n\x0cMunicipal Credit Union\nMCU\xc2\xb2 VISA \xe2\x80\x93 PRICING INFORMATION\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\n13.90%. This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n17.90%\n\nPaying Interest\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on Purchases and Balance Transfers if you pay your entire balance by the\ndue date each month. We will begin charging interest on Cash Advances on the transaction\ndate.\nIf you are charged interest, the charge will be no less than $.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturned Payment\n\nEither $2 or 3% of the amount of each Cash Advance, whichever is greater (maximum\n$30.00).\n1% of each transaction in U.S. dollars.\n\nUp to $30\nUp to $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nHow Do We Calculate the Interest Charge? below for more details.\n\nOther Things You Should Know\nCan We Increase Interest Charges & Fees?\nWe may increase your interest charges for new transactions and your fees after the first year of the account. We may change\nany other terms of your account at any time. We will give you notice of any changes as required by law.\nHow Do We Calculate Variable Rates?\nVariable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street\nJournal (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d) on March 15th, June 15th, September 15th and December 15th of each year (the \xe2\x80\x9cindex dates\xe2\x80\x9d). We\nadd 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR\nresulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period\nin the May, August, November or February next following that index date. The Prime Rate as of June 15, 2019 was 5.50%.\nWhat Are the Daily Periodic Rates Used To Calculate Your Interest?\nWe determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest\n1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will\nincrease and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details.\nBased on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be\n.03808% and the daily periodic rate for your Cash Advances APR would be .04904%.\n\n\x0cHow Can You Avoid Paying Interest Charges?\nEach month you pay your \xe2\x80\x9cNew Balance\xe2\x80\x9d of Purchases in full by the due date, you will have a minimum grace period of 25\ndays with no interest charge on all new purchases and balance transfers. If you have been paying your Purchases Account in\nfull with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There\nis no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance\nfrom a previous bill.\nHow Do We Calculate The Interest Charge?\nThe Interest Charge Calculation Methods applicable to your Purchases and Cash Advances Accounts are as follows:\nPurchases Account \xe2\x80\x93 The Interest Charge for a billing cycle is computed by applying the applicable periodic rate to the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Purchases Account (which includes balance transfers). To get the average daily balance, we\ntake the beginning balance of your Purchases Account each day, add any new purchases, or balance transfers, and subtract any\npayments, credits, unpaid periodic interest charges and other unpaid fees and charges. This gives us the daily balance. Then\nwe add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the average daily balance. Finally, we multiply the average daily balance by the daily periodic rate (the APR divided by\n365) and the number of days in the billing period.\nCash Advances Account \xe2\x80\x93 The Interest Charge for a billing cycle is computed by applying the applicable periodic rate to the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Cash Advances Account. To get the average daily balance, we take the beginning balance of\nyour Cash Advances Account each day, add any new Cash Advances, and subtract any payments, unpaid periodic interest\ncharges and other unpaid fees and charges. This gives us the daily balance. Then we add up all the daily balances for the\nbilling cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Finally,\nwe multiply the average daily balance by the daily periodic rate (the APR divided by 365) and the number of days in the billing\nperiod.\n\nMCU\xc2\xb2VPI 06/19\n\n\x0c'


b'CREDIT CARD AGREEMENT\nPO BOX 89909\nTampa, FL 336890415\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GROW FINANCIAL FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any other costs incurred in the recovery of the Card; and (d) credit in\nexcess of your credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases and Balance Transfers Only: You can avoid\nInterest Charges on purchases and balance transfers by paying the full\namount of the new balance for purchases and balance transfers each month\nby the date on which the payment is due. Otherwise, the new balance of your\naccount, and subsequent advances from the date they are posted to the\naccount, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances; even if you pay the entire cash advance balance\nby the payment due date, you will incur the Interest Charges accrued from the\ndate the cash advance is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is 1-800-839-6328. You agree to follow up your call\nwith notice in writing to us at: Grow Financial Federal Credit Union, PO Box\n89909, Tampa, FL 33689-0415. You also agree to assist us in determining the\nfacts, circumstances and other pertinent information relating to any loss, theft\nor possible unauthorized use of your Card and comply with such procedures\nas we may require in connection with our investigation. You will be liable for\nany unauthorized use only if we can prove that you were negligent in your use\nor handling of your Card, or if we can prove that you used your Card\nfraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nThe minimum payment is 2.50% of your total new balance, or $25.00,\nwhichever is greater, plus the amount of any prior minimum payments that\nyou have not made, all outstanding unpaid fees and charges by the date\nspecified on the statement. The Credit Union also has the right to demand\nimmediate payment of any amount by which you are over your credit limit.\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing.\n9011 LASER ML FPDF FI17192 Rev 5-2021\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GROW FINANCIAL FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany other costs incurred in the recovery of the Card, subject to applicable law.\nEven if your unpaid balance is less than your credit limit, you will have no\ncredit available during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a purchase to your account. We\ndo not have to pay any item which would cause the outstanding balance in\nyour account to exceed your credit limit. Please refer to your Universal\nAccount Agreement regarding stopping payment on Convenience Checks.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time), even if you are located in the\nUnited States.\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nSkip Payment Option. At our option, we may offer you the opportunity to not\nmake ("skip") a minimum payment during certain designated billing cycles\n("skip payment period"). During such designated billing cycles (\xe2\x80\x9cskip payment\nperiod\xe2\x80\x9d), you understand that we will continue to apply finance charges to\nyour account. Beginning with the billing cycle following an allowed skip\npayment period, all other provisions of this Agreement will apply. We have no\nobligation to accept your application for any skip payment period offered, and\nyou authorize us to investigate your creditworthiness including obtaining\nconsumer credit reports. We may charge you an application processing fee of\nup to $15 for each skip payment period that you may request to cover our\ncosts of investigating your qualifications for this extension.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nNotice to Utah Borrowers: This written agreement is a final expression of\nthe agreement between you and the Credit Union. This written agreement\nmay not be contradicted by evidence of any oral agreement.\nGoverning Law. This Agreement shall be governed by, construed, and\nenforced in accordance with the laws of the United Stated of America and the\nState of Florida. You agree that any cause of action arising out of or relating to\nthis Agreement must be brought in either federal or state court in Hillsborough\nCount Florida.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n9011 LASER ML FPDF FI17192 Rev 5-2021\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1.800.839.6328 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, call or write to us at:\nGrow Financial Federal Credit Union\nP.O. Box 89909\nTampa, FL 33689\n800.839.6328\nYou may also contact us on the Web:\nwww.growfinancial.org.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany 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\namount in question, along with applicable interest and fees. We will send\nyou a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe 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\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou 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\ncall us, but if you do, we are not required to investigate any potential errors\nand 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain 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\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue 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\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit 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\npurchase, call or write to us at:\nGrow Financial Federal Credit Union\nP.O. Box 89909\nTampa, FL 33689\n800.839.6328\nYou may also contact us on the Web:\nwww.growfinancial.org.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER ML FPDF FI17192 Rev 5-2021\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'PO BOX 89909\nTampa, FL 33689-0415\n\nIMPORTANT CREDIT CARD DISCLOSURES\n4/7/2020 .\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of __________\nYou can contact us toll free at 1-800-839-6328 or the address above to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nVISA PLATINUM PREFERRED\nAnnual Percentage Rate\n(APR) for Purchases &\nBalance Transfers\n\nSECURED VISA PLATINUM\nPREFERRED\n\nVISA PLATINUM REWARDS\n\nVISA PLATINUM\nCASH REWARDS\n\n1.99% to 4.99%\n\n1.99% to 11.99%\n\n1.99% to 8.99%\n\nIntroductory APR for qualifying\nmembers, for a period of six\nbilling cycles depending on your\ncredit history. After that, or if you\ndo not qualify for the Introductory\nAPR, your Standard APR will be\n\nIntroductory APR for qualifying\nmembers, for a period of six\nbilling cycles depending on your\ncredit history. After that, or if you\ndo not qualify for the Introductory\nAPR, your Standard APR will be\n\n6.99% to 17.49%\n\n6.99% to 15.74%\n\nIntroductory APR for qualifying\nmembers, for a period of six billing\ncycles depending on your credit\nhistory. After that, or if you do not\nqualify for the Introductory APR,\ndepending on\nyour Standard APR will be\nyour credit\nhistory. This APR\nwill vary with the\nmarket based on\nthe Prime Rate.\n\n13.99% to\n15.74%\n\n11.24% to 15.24%\n\ndepending on your credit history. depending on your credit history. depending on your credit history.\nThis APR will vary with the\nThis APR will vary with the\nThis APR will vary with the market\nmarket based on the Prime Rate. market based on the Prime Rate. based on the Prime Rate.\nAPR for Cash Advances\n\n18.00%\n\nPenalty APR and When\nit Applies\n\n18.00%\nThis APR may be applied to your account if you make a payment that is late 60 days or more twice in a 12-month period.\nHow Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this\nhigher level on existing and new balances for a period of six billing cycles.\n\nPaying Interest\n\nYour due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases or\nbalance transfers if you pay your entire new purchase balance or balance transfer balance by the due date each month.\nWe will begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge None\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nthe Consumer Financial\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore\nProtection Bureau\nFEES:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Returned Payment:\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion\nup to $25.00 for the first offense, up to $35.00 for a second offense occurring within 6 billing cycles following the initial offense\nup to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.\nOverdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance\n18.00\nAPR of ________%.\nImportant-Credit-Card-Disclosures_1_initialHereTabs\n\n9009 LASER ML FPDF FI17189 Rev 1-2016\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'ADDENDUM TO CLASSIC VISA\xc2\xae CREDIT CARD\nAGREEMENT & FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENT\nRetain for your records\n\nInterest Rates &\nInterest Charges\n\nClassic\n\n0.00% introductory APR for six months.\nAfter that, my APR will be 15.99%\nAPR for Cash Advances 0.00% introductory APR for six months.\nAfter that, my APR will be 15.99%\nAPR for Balance Transfers 0.00% introductory APR for six months.\nAfter that, my APR will be 15.99%\nAnnual Percentage Rate\n(APR) for Purchases\n\nPenalty APR and When it\nApplies\n\nPaying Interest\n\n17.90%\n\nThis APR may be applied to my account if I:\n\t\t 1) Make a late payment, or\n\t\t 2) Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If my APR is\nincreased for any of these reasons, the Penalty APR will apply\nuntil I make six consecutive minimum payments when due.\nMy due date is at least 25 days after the close of each billing\ncycle. You will not charge me interest on purchases or balance\ntransfers if I pay my entire balance by the due date each month.\nYou will begin charging interest on cash advances on the\ntransaction date.\n\nFor Credit Card Tips from To learn more about factors when applying for or using a credit card,\nthe Consumer Financial visit the website of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Cash Advance\n\nNone\nNone\nEither $2.00 or 2% of the amount of cash advance, whichever is\ngreater (maximum fee: $25.00).\n\n\xe2\x80\xa2 Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency\n0.8% of each foreign transaction in U.S. dollars\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n$15.00\n\xe2\x80\xa2 Returned Payment\n$25.00\nHow You Will Calculate My Balance: You will use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d I must see my account agreement for more details.\nLoss of Introductory APR: You may end my introductory APR and apply the Penalty APR\nif I make a late payment.\nBilling Rights: Information on my rights to dispute transactions and how to exercise those\nrights is provided in my account agreement.\n\nC-678B (11/19)\n\nPAGE 1\n\n1001548\n\n\x0cADDENDUM TO CLASSIC VISA\xc2\xae CREDIT CARD\nAGREEMENT & FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENT\nRetain for your records\n\nAs of June 1, 2014, the non-variable Monthly Periodic Rate for purchases, balance\ntransfers, and cash advances in effect for your Classic VISA\xc2\xae Credit Card is 1.3325%\nwith a corresponding ANNUAL PERCENTAGE RATE of\n\n15.99%.\n\nNOTE: Recently opened Classic VISA Credit Card Accounts continue to be subject to\n\xc2\xae\n\nthe introductory Monthly Periodic Rate of\nPERCENTAGE RATE of\n\n0.00% with a corresponding ANNUAL\n\n0.00% as disclosed in the Classic VISA\n\n\xc2\xae\n\nCredit Card\n\nAccount Agreement and Federal Disclosure Statement during the first six (6) monthly\nbilling cycles after the account is established. Thereafter, the ANNUAL PERCENTAGE\nRATE will convert to the non-variable rate disclosed above.\n\nLOS ANGELES POLICE FEDERAL CREDIT UNION\nSCHEDULE OF FEES\nEFFECTIVE JUNE 1, 2014\n\nCLASSIC VISA\xc2\xae CREDIT CARD ACCOUNTS\n\nAnnual Fee\x08\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbdNone\nLate Payment Fee..................................................................................................................$15.00\nCLASSIC VISA\xc2\xae Credit Card Loan Check stop payment (per item)...........................................$20.00\nCLASSIC VISA\xc2\xae Credit Card Returned Payment Fee (per item)................................................$25.00\nCLASSIC VISA\xc2\xae Credit Card Statement copy (per copy)............................................................$5.00\nThank you for being partners in a proud traditionsm.\n\nC-678B (11/19)\n\nPAGE 2\n\n1001548\n\n\x0c'