b'PLATINUM AND PLATINUM REWARDS MASTERCARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this Agreement or uses the\nCard. The \xe2\x80\x9cCard\xe2\x80\x9d means any Platinum Mastercard or Platinum Mastercard with CU Rewards\ncredit card issued to you or those designated by you under the terms of this Agreement. \xe2\x80\x9cWe,\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9d or the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Diamond Credit Union or its successors. By using your card,\nyou agree to all of the terms and conditions set forth herein.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL\nINDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO\nAGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose\nspecial tax treatment under state or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may also secure your obligations\nunder this Agreement, unless that other collateral is your principal residence or non-purchase\nmoney household goods.\n\n1. Using Your Card. Using your Card constitutes your acceptance of the terms and\nconditions of this Agreement, as may be amended from time to time. You can purchase\nor lease goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from any merchant who honors your Card up\nto your maximum credit limit for your Card. You may also use the Card to obtain cash\nadvances up to your maximum credit limit from financial institutions and ATMs that\naccept the Card. You may also access your account by telephone or access checks (if\nprovided to you). Certain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide identification.\nIf our system is not working, we may not be able to authorize a transaction, even though\nyou have sufficient credit available. Also, for security reasons, we may block the use of\nyour Card in certain countries or geographic areas. We will have no liability to you or\nothers if any of these events occur.\n2. Feature Categories. Your account has Feature Categories which may include Platinum\nMastercard and Platinum Mastercard with CU Rewards.\n3. Credit Limits. We will notify you of each specific credit limit for each Feature Category\nfor which you are approved. You agree to keep your unpaid balance within your credit\nlimit; however, if you do exceed your credit limit, you agree to immediately pay any\namount over the credit limit upon our demand, regardless of whether we authorized the\nadvance(s) which caused you to exceed your credit limit.\n4. Personal Identification Number (PIN). We will issue a Personal Identification Number\n(PIN) for use with your Card. This PIN is confidential and should not be disclosed to\nanyone. You may use your PIN and your Card to access your account, and all sums\nadvanced will be added to your account balance. In the event a use of your PIN\nconstitutes an Electronic Funds Transfer, the terms and conditions of your Electronic\nFunds Transfer Agreement may affect your rights.\n\n\x0c5. Promise To Pay. Regardless of the means used to access your account, you promise to\npay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made\nby you or anyone whom you authorize to use the Card; (b) all Interest Charges and other\ncharges or fees; (c) collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you.\n6. Illegal Use and Internet Gambling. You agree that all transactions that you initiate by\nuse of your Card are legal in the jurisdiction where you live and/or where the transaction\noccurred. Internet gambling may be illegal in the jurisdiction in which you are located,\nincluding the United States. Your Card may only be used for legal transactions. Display\nof a payment card logo by an online merchant does not mean that internet gambling\ntransactions are lawful in all jurisdictions in which you may be located. You agree to\nrepay according to the terms of this Agreement all transactions you initiate by use of\nyour Credit Card, whether deemed legal or illegal.\n7. Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment\nof amounts owed, regardless of who initiated any transaction under the account.\n8. Ownership of Card. Your Card remains our property and may be cancelled by us at any\ntime without notice. You agree to surrender your Card and to dis- continue use of the\naccount immediately upon our request.\n9. Others Using Your Account. If you allow anyone else to use your account, you will be\nliable for all credit extended to such persons. You promise to pay for all purchases and\nadvances made by anyone you authorize to use your account, whether or not you notify\nus that he or she will be using it. If someone else is authorized to use your account and\nyou want to end that person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has\na Card, you must return that Card with your written notice for it to be effective.\n10. Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time\nyou open your account and as may be changed from time to time in accordance with\napplicable law. Interest Charges will accrue on your average daily balance outstanding\nduring the month (new and previous). To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance\ntransfers, insurance premiums or debt protection fees or similar fees, and debit\nadjustments and subtract any 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 the number\nof days in the billing cycle. We then multiply that by the monthly periodic rate\ncorresponding to the Annual Percentage Rate that was previously disclosed to you.\nYou can avoid Interest Charges on purchases by paying the full amount of the entire\nbalance for purchases each month by the date on which the payment is due. Otherwise,\nthe new balance for purchases, and subsequent advances from the date they are posted\nto the account, will be subject to an Interest Charge. You cannot avoid Interest Charges\non cash advances and balance transfers; even if you pay the entire cash advance\nbalance or balance transfer balance by the payment due date, you will incur the Interest\nCharges accrued from the trans- action date of the cash advance or balance transfer.\n11. Fees. You agree to pay any and all fees that you incur in connection with your Card, in\naccordance with applicable law, in the amounts set forth on your Truth-in- Lending\nStatement, which fees and/or amounts may be amended from time to time.\n\n\x0c12. Minimum Monthly Payments. Your minimum monthly payment will be 1.5% of your\ntotal New Balance shown on your billing statement at the end of each billing cycle, plus\nthe amount of any prior payments dues that remain unpaid, subject to the lesser of $20\nor your account balance. In addition, any time that your total New Balance exceeds your\ncredit limit, you must immediately pay the excess upon our demand. You have the right\nto pay your account in full at any time without penalty. Partial payments or prepayments\nwill not delay your next scheduled payment \xe2\x80\x93 you will still need to make the minimum\nscheduled payment by the next scheduled due date to keep your account current.\nPayments will be applied in any order we determine, subject to applicable law. You\nunder- stand that any payment that delays the repayment of your unpaid balance will increase your Interest Charge and any payment that accelerates the reduction of your\nunpaid balance will decrease your Interest Charges.\n13. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify\nus immediately if your Card is ever lost or stolen or if an unauthorized use may have\noccurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of the Card by someone other than you\nwho does not have actual, implied or apparent authority for such use, and from which\nyou receive no benefit. Call or write to us at (800) 593-1000 or (610) 326-5490 or\nDiamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464. You also agree to\nassist us in determining the facts, circumstances and other pertinent information relating\nto any loss, theft or possible unauthorized use of your Card and comply with such\nprocedures as we may require in connection with our investigation. You will have no\nliability for Mastercard transactions not authorized by you, provided that you have\nexercised reasonable care in safeguarding the Card from risk of loss or theft, and upon\nbecoming aware of such loss or theft, you promptly report the loss or theft to us.\n14. Crediting Of Payments. Payments are due on the date disclosed on your monthly\nstatement. If your payment is received by us either by mail, electronically, or in-person at\na branch during regular business hours on a business day, it will be credited to your\naccount as of that date. Payments placed in our lock- box between 6 a.m. and 5 p.m.\nEST will be credited to your account as of the date placed in the lockbox. If payment is\nmade by any other means or at any other times, credit for such payment may be delayed\nup to five (5) days. Payments will be applied in any order we determine, subject to\napplicable law.\n15. Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if:\n(a) you fail to make any payment on time; (b) if you fail to keep any promises you have\nmade under this Agreement or under other Agreements you have with us; (c) if you die;\n(d) if you file a petition in bankruptcy or have a bankruptcy petition filed against you, or if\nyou become involved in any insolvency, receivership or custodial proceeding; (e) if\nanyone attempts to take any of your funds held by us via legal process or if you have a\njudgment or tax lien filed against you; (f) if you make any false, inaccurate, or misleading\nstatements in any credit application or credit update; or (g) if we, in good faith, believe\nthat your ability to repay what you owe is or soon will be impaired, or that you are\nunwilling to make your payments. If you are in default, we have the right to demand\nimmediate payment of your full account balance without giving you notice. If immediate\npayment is demanded, you agree to continue paying Interest Charges until what you\nowe has been paid, and any shares that were given as security for your account may be\napplied toward what you owe. You agree to pay all reasonable costs of collection,\nincluding court costs and attorney\xe2\x80\x99s fees, and any cost incurred in the recovery of the\n\n\x0cCard. Even if your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\n16. Suspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic services\nand access to your checking or other account(s) if you become delinquent on any of\nyour loan or deposit obligations to us or you cause a loss to us. We shall not be liable to\nyou in any regard in connection with such suspension of services.\n17. Additional Benefits/Card Enhancements. We may, from time to time, offer additional\nservices to your Account at no additional cost to you. You understand that we are not\nobligated to offer such services and may withdraw or change them at any time.\n18. Convenience Checks. We may, at our discretion, issue checks to you which may be\nused for any purpose other than making a payment for credit to your ac- count. By\nsigning such check, you authorize us to pay the item for the amount indicated and post\nsuch amount as a cash advance to your account. We do not have to pay any item which\nwould cause the outstanding balance in your ac- count to exceed your credit limit.\n19. Debt Protection. Voluntary Debt Protection coverage or similar products are not\nrequired for any extension of credit under this Agreement. However, if you choose to\npurchase this protection from us, the fees will be added to your ac- count balance each\nmonth and will accrue Interest Charges. We will receive a portion of the fees that you\npay as compensation for offering this service to you. If you elect to purchase Debt\nProtection, we will provide the required disclosures and program contract separately at\nthe time of your election.\n20. Transaction Slips. Your monthly statement will identify what merchant, electronic\nterminal or financial institution at which transactions were made. Sales, cash advance,\ncredit or other slips cannot be returned with the statement.\n21. Credit Information. We may, from time to time, request personal information from you\nor obtain credit reports from the credit reporting agencies for the purpose of updating\nyour credit status. Your failure to provide such information when requested by us may\nresult in suspension of credit privileges under this Agreement, including your ability to\nobtain any future advances by any means. You authorize us to investigate your credit\nstanding when opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire about your\ncredit standing.\n22. Foreign Transactions; Currency Conversion. Purchases and cash advances made in\nforeign currencies will be billed to you in U.S. dollars. Transactions processed outside of\nthe United States (which may include internet transactions) will be charged a foreign\ntransaction fee in an amount to be determined by us, regardless of whether there is a\ncurrency conversion associated with the transaction. The conversion rate in dollars will\nbe a rate selected by the card company from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may vary from\nthe rate the card company itself receives or the government-mandated rate in effect for\nthe applicable central processing date in each instance.\n\n\x0c23. Termination; Change-in-Terms. We may, by written notice, terminate this Agreement\nat any time, subject to applicable law. You may terminate this Agreement by written\nnotice. Termination by either party shall not affect your obligation to repay any payments\nmade for your account resulting from use of the Card as well as Interest Charges and\nfees incurred. We may change the terms of this Agreement, including the method of\ncalculating the periodic rate, at any time, by written notice, subject to applicable law. To\nthe extent permitted by applicable law, such rate changes shall apply to your unpaid\nbalance as well as future advances. Use of the Card constitutes agreement and\nacceptance of any change in terms, unless applicable law requires otherwise.\n24. Enforcement. We do not lose our rights under this or any related agreement if we delay\nenforcing them. We can accept late payments, partial payments or any other payments,\neven if marked, \xe2\x80\x9cpaid in full\xe2\x80\x9d without losing any of our rights under this Agreement. If any\nprovision of this or any related agreement is determined to be unenforceable or invalid,\nall other provisions remain in full force and effect.\n25. Returns and Adjustments. Merchants and others who honor the Card may give credit\nfor returns or adjustments, and they will do so by submitting a credit slip which will be\nposted to your account. If your credits and payments exceed what you owe us, the\namount will be applied against future purchases and cash advances. If the credit\nbalance amount is more than $5 but less than $500, and if that credit balance still\nremains on your account after 3 billing cycles, we will mail a refund to you at the most\nrecent address we have on file for you.\n26. Refusal to Honor Card. We are not liable for the refusal or inability of merchants,\nfinancial institutions (including us) and others to accept the Card, or electronic terminals\nto honor the Card or complete a Card withdrawal, or for their retention of the Card.\n27. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant\nor financial institution to honor your Card. Also, we are not responsible for goods or\nservices that you purchase with the Card unless: (a) your purchase was made in\nresponse to an advertisement we sent or participated in sending you; or (b) your\npurchase cost more than $50 and was made from a plan merchant in your state or within\n100 miles of your home; and only if you have made a good faith attempt, but have been\nunable to obtain satisfaction from the plan merchant. You must resolve all other disputes\ndirectly with the plan merchant. We do not warrant any merchandise or services\npurchased by you with the Card.\n28. Statements and Notices. Statements and notices will be mailed to you at the most\nrecent postal address or e-mail address (if you have elected to receive such documents\nvia electronic means) that you have given us. Statements will be sent each month in\nwhich there is a debit or credit balance or when an Interest Charge is imposed. If you\nhave elected to receive a statement via e-mail, you will not be sent a paper statement.\nWe need not send you a statement if we feel your ac- count is uncollectible or if we have\nstarted collection proceedings against your account because you defaulted. Each\nstatement is deemed to be a correct statement of account unless you establish a billing\nerror pursuant to the Fair Credit Billing Act. Notice sent to any one of you will be\nconsidered notice to all.\n\n\x0c29. Integrated Documents. Any separate document entitled \xe2\x80\x9cTruth-in-Lending Statement\xe2\x80\x9d\nor similar which is delivered with this Agreement or provided at a later time is an\nintegrated part of this Agreement.\n30. Notification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need to be\nverified before we act upon the notification.\n31. Copy Received. You acknowledge that you have received a copy of this Agreement.\n32. Governing Law. This Agreement shall be construed under federal law and state law in\nthe state in which we are primarily located, and the venue shall be located in the county\nand state in which we are primarily located. Operating regulations of Visa or Mastercard,\nas applicable, may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit or other\nslips you sign or receive may contain different terms.\n33. NOTICE TO UTAH BORROWERS. This written agreement is a final expression of the\nagreement between you and the Credit Union. This written agreement may not be\ncontradicted by evidence of any oral agreement.\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR\nDEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the\naccount you are an active member of the military or a dependent (as defined in the Military\nLending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions\namend your credit card agreement and apply during any period(s) in which you are active\nmilitary or a dependent under those definitions. They do not apply when you are not an active\nduty member of the military or a dependent:\n1. NOTICE: Federal law provides important protections to members of the Armed Forces\nand 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\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: the costs associated with credit insurance premiums or\ndebt protection fees; fees for ancillary products sold in connection with the credit\ntransaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call toll-free 1-800593-1000 during our normal business hours.\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your\nshare or deposit accounts unless you specifically agree to establish a secured share or\ndeposit account in connection with this credit card account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only\nfunds deposited into the Secured Account after the credit card is established will secure\nadvances. Any cross-collateralization provision contained in your credit or membership\ndocuments will not apply to the Secured Account or your other share or deposit accounts\nfor this account.\nHowever, with regard to this credit card account, we still reserve our rights regarding\nstatutory liens and administrative freeze under federal or state law.\nAny contract terms in your credit card, security, or membership agreements that\ncontradict the above shall be inapplicable.\n\n\x0c3. Your credit card account is not subject to mandatory arbitration and therefore any\nreference to mandatory arbitration in connection with this credit card account does not\napply.\n\nFI13537 Rev 1-2018 \xc2\xa92005 Securian Financial Group, Inc. All rights reserved. M-124739\nCREDIT BUILDER MASTERCARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this Agreement or uses the\nCard. The \xe2\x80\x9cCard\xe2\x80\x9d means any Credit Builder Mastercard credit card issued to you or those\ndesignated by you under the terms of this Agreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or the \xe2\x80\x9cCredit Union\xe2\x80\x9d means\nDiamond Credit Union or its successors. By using your card, you agree to all of the terms and\nconditions set forth herein.\nSECURITY: (a) In order to receive and maintain your Card, YOU GRANT US A CONSENSUAL\nLIEN AND SECURITY INTEREST IN YOUR DESIGNATED SHARE ACCOUNT IN AN\nAMOUNT EQUAL TO YOUR CREDIT LIMIT. YOU MAY NOT WITHDRAW ANY AMOUNTS\nFROM THE DESIGNATED SHARE ACCOUNT THAT WOULD CAUSE THE ACCOUNT\nBALANCE TO FALL BELOW AN AMOUNT EQUAL TO YOUR CREDIT LIMIT, UNLESS WE\nAGREE TO RELEASE ALL OR PART OF THE PLEDGED AMOUNT. You may cancel your\nCard at any time by paying all amounts owed on your Card. To be certain that your entire\nbalance and all advances on your Card are paid, any shares pledged may not be available to\nyou for 30 days after you have cancelled your Card and paid any outstanding balance in full.\n(b) Additionally, YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST\nIN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE\nFUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT.\nYOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN\nDEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and\ndeposits in an Individual Retirement Account or any other account that would lose special tax\ntreatment under state or federal law if given are not subject to this security interest.\n(c) If you have other loans with us, collateral securing such loans may also secure your\nobligations under this Agreement.\n(d) Military Lending Act. Notwithstanding any provision above, at any time(s) during which the\nMilitary Lending Act applies to this account: (a) only shares deposited into the Secured Deposit\nAccount after the card is established will secure this Card, and no other accounts will secure\nthis Card; (b) the \xe2\x80\x9cCross-Collateralization; Additional Security\xe2\x80\x9d provision does not apply; and (c)\nany provision in any agreement or other document provided in connection with your Card that\ncontradicts the Military Lending Act shall have no force or effect.\n\n\x0c1. Using Your Card. Using your Card constitutes your acceptance of the terms and\nconditions of this Agreement, as may be amended from time to time. You can purchase\nor lease goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from any merchant who honors your Card up\nto your maximum credit limit for your Card. You may also use the Card to obtain cash\nadvances up to your maximum credit limit from financial institutions and ATMs that\naccept the Card. You may also access your account by telephone or access checks (if\nprovided to you). Certain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide identification.\nIf our system is not working, we may not be able to authorize a transaction, even though\nyou have sufficient credit available. Also, for security reasons, we may block the use of\nyour Card in certain countries or geographic areas. We will have no liability to you or\nothers if any of these events occur.\n2. Credit Limits. We will notify you of your credit limit. You agree to keep your unpaid\nbalance within your credit limit; however, if you do exceed your credit limit, you agree to\nimmediately pay any amount over the credit limit upon our demand, regardless of\nwhether we authorized the advance(s) which caused you to exceed your credit limit.\n3. Personal Identification Number (PIN). We will issue a Personal Identification Number\n(PIN) for use with your Card. This PIN is confidential and should not be disclosed to\nanyone. You may use your PIN and your Card to access your account, and all sums\nadvanced will be added to your account balance. In the event a use of your PIN\nconstitutes an Electronic Funds Transfer, the terms and conditions of your Electronic\nFunds Transfer Agreement may affect your rights.\n4. Promise To Pay. Regardless of the means used to access your account, you promise to\npay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made\nby you or anyone whom you authorize to use the Card; (b) all Interest Charges and other\ncharges or fees; (c) collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you.\n5. Illegal Use and Internet Gambling. You agree that all transactions that you initiate by\nuse of your Card are legal in the jurisdiction where you live and/or where the transaction\noccurred. Internet gambling may be illegal in the jurisdiction in which you are located,\nincluding the United States. Your Card may only be used for legal transactions. Display\nof a payment card logo by an online merchant does not mean that internet gambling\ntransactions are lawful in all jurisdictions in which you may be located. You agree to\nrepay according to the terms of this Agreement all transactions you initiate by use of\nyour Credit Card, whether deemed legal or illegal.\n6. Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment\nof amounts owed, regardless of who initiated any transaction under the account.\n7. Ownership of Card. Your Card remains our property and may be cancelled by us at any\ntime without notice. You agree to surrender your Card and to discontinue use of the\naccount immediately upon our request.\n8. Others Using Your Account. If you allow anyone else to use your account, you will be\nliable for all credit extended to such persons. You promise to pay for all purchases and\nadvances made by anyone you authorize to use your account, whether or not you notify\n\n\x0cus that he or she will be using it. If someone else is authorized to use your account and\nyou want to end that person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has\na Card, you must return that Card with your written notice for it to be effective.\n9. Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time\nyou open your account and as may be charged from time to time in accordance with\napplicable law. Interest Charges will accrue on your average daily balance outstanding\nduring the month (new and previous). To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, insurance\npremiums or debt protection fees or similar fees, and debit adjustments and subtract any\nunpaid late charges. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide that by the number of days in the billing cycle.\nWe then multiply that by the monthly periodic rate corresponding to the Annual\nPercentage Rate that was previously disclosed to you. You can avoid Interest Charges\non purchases by paying the full amount of the entire balance for purchases each month\nby the date on which the payment is due. Otherwise, the new balance for purchases,\nand subsequent advances from the date they are posted to the account, will be subject\nto an Interest Charge. You cannot avoid Interest Charges on cash advances and\nbalance transfers; even if you pay the entire cash advance balance or balance transfer\nbalance by the payment due date, you will incur the Interest Charges accrued from the\ntransaction date of the cash advance or balance transfer.\n10. Fees. You agree to pay any and all fees that you incur in connection with your Card, in\naccordance with applicable law, in the amounts set forth on your Truth-in-Lending\nStatement, which fees and/or amounts may be amended from time to time.\n11. Minimum Monthly Payments. Your minimum monthly payment will be 1.5% of your\ntotal New Balance shown on your billing statement at the end of each billing cycle, plus\nthe amount of any prior payments due that remain unpaid, subject to the lesser of $20 or\nyour account balance. In addition, any time that your total New Balance exceeds your\ncredit limit, you must immediately pay the excess upon our demand. You have the right\nto pay your account in full at any time without penalty. Partial payments or prepayments\nwill not delay your next scheduled payment \xe2\x80\x93 you will still need to make the minimum\nscheduled payment by the next scheduled due date to keep your account current.\nPayments will be applied in any order we determine, subject to applicable law. You\nunderstand that any payment that delays the repayment of your unpaid balance will\nincrease your Interest Charge and any payment that accelerates the reduction of your\nunpaid balance will decrease your Interest Charges.\n12. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify\nus immediately if your Card is ever lost or stolen or if an unauthorized use may have\noccurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of the Card by someone other than you\nwho does not have actual, implied or apparent authority for such use, and from which\nyou receive no benefit. Call or write to us at (800) 593-1000 or (610) 326-5490 or\nDiamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464. You also agree to\nassist us in determining the facts, circumstances and other pertinent information relating\nto any loss, theft or possible unauthorized use of your Card and comply with such\nprocedures as we may require in connection with our investigation. You will have no\nliability for Mastercard transactions not authorized by you, provided that you have\nexercised reasonable care in safeguarding the Card from risk of loss or theft, and upon\nbecoming aware of such loss or theft, you promptly report the loss or theft to us.\n\n\x0c13. Crediting Of Payments. Payments are due on the date disclosed on your monthly\nstatement. If your payment is received by us either by mail, electronically, or in-person at\na branch during regular business hours on a business day, it will be credited to your\naccount as of that date. Payments placed in our lockbox between 6 a.m. and 5 p.m. EST\nwill be credited to your account as of the date placed in the lockbox. If payment is made\nby any other means or at any other times, credit for such payment may be delayed up to\nfive (5) days. Payments will be applied in any order we determine, subject to applicable\nlaw.\n14. Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if:\n(a) you fail to make any payment on time; (b) if you fail to keep any promises you have\nmade under this Agreement or under other Agreements you have with us; (c) if you die;\n(d) if you file a petition in bankruptcy or have a bankruptcy petition filed against you, or if\nyou become involved in any insolvency, receivership or custodial proceeding; (e) if\nanyone attempts to take any of your funds held by us via legal process or if you have a\njudgment or tax lien filed against you; (f) if you make any false, inaccurate, or misleading\nstatements in any credit application or credit update; or (g) if we, in good faith, believe\nthat your ability to repay what you owe is or soon will be impaired, or that you are\nunwilling to make your payments. If you are in default, we have the right to demand\nimmediate payment of your full account balance without giving you notice. If immediate\npayment is demanded, you agree to continue paying Interest Charges until what you\nowe has been paid, and any shares that were given as security for your account may be\napplied toward what you owe. You agree to pay all reasonable costs of collection,\nincluding court costs and attorney\xe2\x80\x99s fees, and any cost incurred in the recovery of the\nCard. Even if your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\n15. Suspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic services\nand access to your checking or other account(s) if you become delinquent on any of\nyour loan or deposit obligations to us or you cause a loss to us. We shall not be liable to\nyou in any regard in connection with such suspension of services.\n16. Additional benefits/Card Enhancements. We may, from time to time, offer additional\nservices to your Account at no additional cost to you. You understand that we are not\nobligated to offer such services and may withdraw or change them at any time.\n17. Convenience Checks. We may, at our discretion, issue checks to you which may be\nused for any purpose other than making a payment for credit to your account. By signing\nsuch check, you authorize us to pay the item for the amount indicated and post such\namount as a cash advance to your account. We do not have to pay any item which\nwould cause the outstanding balance in your account to exceed your credit limit.\n18. Debt Protection. Voluntary Debt Protection coverage or similar products are not\nrequired for any extension of credit under this Agreement. However, if you choose to\npurchase this protection from us, the fees will be added to your account balance each\nmonth and will accrue Interest Charges. We will receive a portion of the fees that you\npay as compensation for offering this service to you. If you elect to purchase Debt\nProtection, we will provide the required disclosures and program contract separately at\nthe time of your election.\n\n\x0c19. Transaction Slips. Your monthly statement will identify what merchant, electronic\nterminal or financial institution at which transactions were made. Sales, cash advance,\ncredit or other slips cannot be returned with the statement.\n20. Credit Information. We may, from time to time, request personal information from you\nor obtain credit reports from the credit reporting agencies for the purpose of updating\nyour credit status. Your failure to provide such information when requested by us may\nresult in suspension of credit privileges under this Agreement, including your ability to\nobtain any future advances by any means. You authorize us to investigate your credit\nstanding when opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire about your\ncredit standing.\n21. Foreign Transactions; Currency Conversion. Purchases and cash advances made in\nforeign currencies will be billed to you in U.S. dollars. Transactions processed outside of\nthe United States (which may include internet transactions) will be charged a foreign\ntransaction fee in an amount to be determined by us, regardless of whether there is a\ncurrency conversion associated with the transaction. The conversion rate in dollars will\nbe a rate selected by the card company from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may vary from\nthe rate the card company itself receives or the government- mandated rate in effect for\nthe applicable central processing date in each instance.\n22. Termination; Change-in-Terms. We may, by written notice, terminate this Agreement\nat any time, subject to applicable law. You may terminate this Agreement by written\nnotice. Termination by either party shall not affect your obligation to repay any payments\nmade for your account resulting from use of the Card as well as Interest Charges and\nfees incurred. We may change the terms of this Agreement, including the method of\ncalculating the periodic rate, at any time, by written notice, subject to applicable law. To\nthe extent permitted by applicable law, such rate changes shall apply to your unpaid\nbalance as well as future advances. Use of the Card constitutes agreement and\nacceptance of any change in terms, unless applicable law requires otherwise.\n23. Enforcement. We do not lose our rights under this or any related agreement if we delay\nenforcing them. We can accept late payments, partial payments or any other payments,\neven if marked, \xe2\x80\x9cpaid in full\xe2\x80\x9d without losing any of our rights under this Agreement. If any\nprovision of this or any related agreement is determined to be unenforceable or invalid,\nall other provisions remain in full force and effect.\n24. Returns and Adjustments. Merchants and others who honor the Card may give credit\nfor returns or adjustments, and they will do so by submitting a credit slip which will be\nposted to your account. If your credits and payments exceed what you owe us, the\namount will be applied against future purchases and cash advances. If the credit\nbalance amount is more than $5 but less than $500, and if that credit balance still\nremains on your account after 3 billing cycles, we will mail a refund to you at the most\nrecent address we have on file for you.\n25. Refusal to Honor Card. We are not liable for the refusal or inability of merchants,\nfinancial institutions (including us) and others to accept the Card, or electronic terminals\nto honor the Card or complete a Card withdrawal, or for their retention of the Card.\n\n\x0c26. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant\nor financial institution to honor your Card. Also, we are not responsible for goods or\nservices that you purchase with the Card unless: (a) your purchase was made in\nresponse to an advertisement we sent or participated in sending you; or (b) your\npurchase cost more than $50 and was made from a plan merchant in your state or within\n100 miles of your home; and only if you have made a good faith attempt, but have been\nunable to obtain satisfaction from the plan merchant. You must resolve all other disputes\ndirectly with the plan merchant. We do not warrant any merchandise or services\npurchased by you with the Card.\n27. Statements and Notices. Statements and notices will be mailed to you at the most\nrecent postal address or e-mail address (if you have elected to receive such documents\nvia electronic means) that you have given us. Statements will be sent each month in\nwhich there is a debit or credit balance or when an Interest Charge is imposed. If you\nhave elected to receive a statement via e-mail, you will not be sent a paper statement.\nWe need not send you a statement if we feel your account is uncollectible or if we have\nstarted collection proceedings against your account because you defaulted. Each\nstatement is deemed to be a correct statement of account unless you establish a billing\nerror pursuant to the Fair Credit Billing Act. Notice sent to any one of you will be\nconsidered notice to all.\n28. Integrated Documents. Any separate document entitled \xe2\x80\x98Truth-in-lending Statement\xe2\x80\x99 or\nsimilar which is delivered with this Agreement or provided at a later time is an integrated\npart of this Agreement.\n29. Notification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need to be\nverified before we act upon the notification.\n30. Copy Received. You acknowledge that you have received a copy of this Agreement.\n31. Governing Law. This Agreement shall be construed under federal law and state law in\nthe state in which we are primarily located, and the venue shall be located in the county\nand state in which we are primarily located. Operating regulations of Visa or Mastercard,\nas applicable, may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit or other\nslips you sign or receive may contain different terms.\n32. NOTICE TO UTAH BORROWERS. This written agreement is a final expression of the\nagreement between you and the Credit Union. This written agreement may not be\ncontradicted by evidence of any oral agreement.\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR\nDEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the\naccount you are an active member of the military or a dependent(as defined in the Military\nLending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions\namend your credit card agreement and apply during any period(s) in which you are active\nmilitary or a dependent under those definitions. They do not apply when you are not an active\nduty member of the military or a dependent:\n\n\x0c1. NOTICE: Federal law provides important protections to members of the Armed Forces\nand 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\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: the costs associated with credit insurance premiums or\ndebt protection fees; fees for ancillary products sold in connection with the credit\ntransaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call toll-free 1-800593-1000 during our normal business hours.\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your\nshare or deposit accounts unless you specifically agree to establish a secured share or\ndeposit account in connection with this credit card account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only\nfunds deposited into the Secured Account after the credit card is established will secure\nadvances. Any cross-collateralization provision contained in your credit or membership\ndocuments will not apply to the Secured Account or your other share or deposit accounts\nfor this account. However, with regard to this credit card account, we still reserve our\nrights regarding statutory liens and administrative freeze under federal or state law. Any\ncontract terms in your credit card, security, or membership agreements that contradict\nthe above shall be inapplicable.\n3. Your credit card account is not subject to mandatory arbitration and therefore any\nreference to mandatory arbitration in connection with this credit card account does not\napply.\n\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 the address(es) listed on your\nstatement.\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 wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\n\x0cYou must notify us of any potential errors in writing. You may call us, but if you do, we are not\nrequired to 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\nwill 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 explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not\npay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to\nwhom we reported you as delinquent, and we must let those organizations know when the\nmatter 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\nquestion 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 credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase. To use this right, all of the following\nmust be true:\n1. The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\n\n\x0cNeither of these are necessary if your purchase was based on an advertisement we\nmailed 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\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\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\nwriting at the address(es) listed on your statement. While we investigate, the same rules apply\nto the disputed amount as discussed 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 may report you as\ndelinquent.\nLASER PDF FI13614 Rev 1-2018\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'Mastercard Disclosure\n\n\x0c'


b'RETAIL INSTALLMENT CREDIT AGREEMENT\n\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to any person who signs this Agreement, has\nrequested and is issued a Tiffany & Co. credit card, or is authorized to use this Tiffany & Co. credit card\naccount (\xe2\x80\x9cAccount\xe2\x80\x9d); \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cTiffany & Co.\xe2\x80\x9d refer to Tiffany and Company, Fifth Avenue\nand 57th Street, New York, NY 10022, and any person to whom this Account may be assigned.\n1 PROMISE TO PAY/WHEN AGREEMENT IS EFFECTIVE\nWhen you sign the Application for this Account, you will be agreeing to everything written here.\nTherefore, before you sign the Application, you should read this entire Agreement, which includes the costof-credit disclosures required by Federal Law. The information you provide on the Application that\nidentifies you is incorporated in this Agreement by reference. This Agreement will not be effective until we\napprove your Application, and then after that, only if you or someone authorized by you signs a sales slip\nor otherwise charges a purchase to this Account. Also, until you or someone authorized by you uses this\nAccount, you will not be responsible for any use of the credit card after its loss or theft.\n2 COST OF CREDIT\n(a) As required by applicable law, the following chart sets forth some of the terms of the Account:\n\nInterest Rates and Interest Charges\nAnnual Percentage\n8% - 21%\nRates (APR) for\nThe\nAPR varies by state; please see the \xe2\x80\x9cState Specific Interest Rates and Interest\nPurchases\nCharges\xe2\x80\x9d table below in this account agreement.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nHow to Avoid Paying\nyou any interest on purchases if you pay your entire balance by the due date each month.\nInterest on Purchases\nIf you are charged interest, the charge will be no less than $0.50.\nMinimum Interest\nCharge\nTo learn more about factors to consider when applying for or using a credit card, visit\nFor Credit Card Tips\nthe website of the Federal Reserve Board at\nfrom the Federal\nhttp://www.federalreserve.gov/creditcard.\nReserve Board\n\nFees\nAnnual Fee\nPenalty Fees\n\xe2\x80\xa2\nLate Payment\n\xe2\x80\xa2\n\nReturned\nPayment\n\nNone\n$0.00 to $10.00. This fee will vary by state; please see Paragraph 5 below in this\naccount agreement.\n$0.00 to $25.00. This fee will vary by state; please see Paragraph 5 below in this\naccount agreement.\n\n\x0cState Specific Interest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\nIf you live in:\n(APR) for Purchases\nCalifornia\nArkansas\nConnecticut, Washington,\nMichigan\nHawaii, North Carolina,\nMassachusetts, South Carolina,\nMinnesota, Louisiana\nFlorida\nNebraska, Guam\n\nThe APR is:\n\n10% (1)\n17% (2)\n12% (3)\n18% (4)\n15% (5)\n18% (4) on balances of $500 or\nmore;\n\nAlabama\n\n21% (6) on all other balances\n18% (4) on balances between\n$750 and $2,000;\n\nWest Virginia\n\n21% (6) on all other balances.\n18% (4) on balances of $750 or\nless;\n\n12% (3) on balances greater\nthan $750.\nKentucky\n\n8%\n\n(7) on balances of $15,000\nand under;\n\n21% (6) on balances above\n$15,000.\n\nGrace Period for repayment of balances\n\nAll other states, Puerto Rico\nand the District of Columbia\n30 days on average\n\nMethod of computing the balance\nAnnual Fee\nMinimum finance charge\n\nAverage daily balance (excluding current transactions)\nNone\nIf you live in:\nThe minimum finance charge is:\nHawaii, Arkansas,\nDistrict of Columbia,\nMaryland, Nebraska,\nMichigan, North Carolina,\nSouth Carolina, Arizona, and\nGuam\n\n21% (6)\n\nNone\n\nAll other states\n$0.50\n(1) Monthly Periodic Rate of 0.833%\n(2) Monthly Periodic Rate of 1.4166%\n(3) Monthly Periodic Rate of 1.000%\n(4) Monthly Periodic Rate of 1.500%\n(5) Monthly Periodic Rate of 1.250%\n(6) Monthly Periodic Rate of 1.750%\n(7) Monthly Periodic Rate of 0.666%\n\n\x0cHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (excluding new\npurchases).\xe2\x80\x9d See Paragraph 3 of this account agreement for more details.\nYour Billing Rights: Information concerning your rights to dispute transactions and how to exercise those\nright is provided in the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below the signature line in this account agreement.\n(b) Regular Terms: Unless the \xe2\x80\x9cNo Interest Charge Option\xe2\x80\x9d is selected, no Interest Charge will be imposed\nin any monthly billing period (1) in which there is no balance at the beginning of the billing period (the\n\xe2\x80\x9cPrevious Balance\xe2\x80\x9d) or (2) in which payments received and credits issued within one month after the\nBilling Closing Date (the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d) equal or exceed the Previous Balance. If we do not receive\nthe full amount due (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) by the Payment Due Date, a Interest Charge will be computed on\nthe outstanding balance from month to month by applying the applicable Monthly Periodic Rate set forth\nabove to the balance explained in paragraph 3 below.\n(c) No Interest Charge Option: If any item is designated as \xe2\x80\x9cInterest Free\xe2\x80\x9d on the sales invoice or otherwise\nat the point of sale, you will only be required to pay a fixed percentage of the amount of said item at the\ntime of sale, with the remaining balance to be paid in equal monthly installments, the number of which\nshall be set forth in the sales invoice. The amount of each such installment will be included in the\nMinimum Payment Due figure on each statement. No Interest Charge will be imposed on the balance\nattributable to that purchase as long as the Minimum Payment Due shown on your monthly billing\nstatement is paid in full by the Payment Due Date shown on that statement. If, in any billing cycle, the\nMinimum Payment Due is not paid in full and when due, a Interest Charge will begin to accrue and will be\nimposed on the entire balance in your Account under our Regular Terms, beginning in the next billing\ncycle.\n3 METHOD OF COMPUTING INTEREST CHARGE\nWe figure the Interest Charge on your Account by applying the monthly Periodic Rate to the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your Account (excluding current transactions). To get the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d we take the beginning balance of your Account each day and subtract any payments or credits, returned check fees, late fees, and any unpaid Interest Charges. We do not add in any new purchases. This\ngives us the daily balance. Then, we add all the daily balances for the billing cycle together and divide the\ntotal by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d.\n4 MINIMUM MONTHLY PAYMENTS\nYou agree to pay at least the Minimum Payment Due shown on your monthly statement on or before\nthe Payment Due Date shown on that statement. Your Minimum Payment Due will be four percent (4.0%)\nof the New Balance, but not less than $20, or the entire New Balance if the New Balance is less than $20,\nexcept that, (i) if you live in Vermont, the minimum monthly payment will be not less than 1/48 of the\nbalance after the last advance in the billing period, (ii) if you live in California, the minimum monthly\npayment will be 10% of the New Balance, and (iii) if you live in West Virginia, your Minimum Payment\nDue will be 1/12 of 25% of the New Balance. If you live in South Carolina, 40% of your payment will be\napplied to outstanding principal. The Minimum Payment Due will include the entire amount of any check\nprocessing fee and any past due amount. If any item is designated as an \xe2\x80\x9cInterest Free\xe2\x80\x9d on the sales invoice\nor otherwise at the point of sale, the minimum monthly payment amount for that item will be a percentage\nof its total cash price (or multiple items that qualify for this option), and the minimum monthly payment\namount for this option will be added to the regular minimum monthly payment amount, if any, to arrive at\nthe total Minimum Payment Due. All payments must be made in U.S. dollars by check drawn on a U.S.\nbank. You may pay more than the Minimum Payment Due in any month but if you do, and there is a\nbalance due, you must continue to make minimum payments in future months.\n5 LATE FEE; RETURNED CHECK FEE\n(a) If any payment is received by us more than ten (10) days after the Payment Due Date for such payment,\nyou may be required to pay a "Late Payment Fee" of $10.00, subject to the following exceptions (see table\nbelow):\n\n\x0cIf you live in:\n\nThe late fee will be:\n\nIndiana, Nebraska, South Carolina,\nMinnesota\nKansas, Missouri, Arizona\n\n$5.00\n\nAnd/or the number of days before the fee\nis assessed will be:\n\n$5.00, where the late\npayment is $25.00 or less\n\nNorth Carolina\n\n$5.00, if the balance of the\nAccount is less than $100.00\n\nWest Virginia, Virginia\n\n5%, not to exceed $10.00\n\nMassachusetts\n\n10%, not to exceed $10.00\n\nNew Mexico, Tennessee, South\nDakota, New Hampshire, Hawaii,\nDelaware, Oklahoma, Connecticut,\nWyoming, Guam\n\nNo late fee\n\nMaine, Arkansas\n\n$10\n\n15\n\nTexas\n\n$10\n\n21\n\n15\n\n(b) If any check sent to us in payment on your Account is drawn on a foreign bank or is returned to us\nunpaid by the bank, to the extent permitted by applicable law, we may charge you a fee of $25.00 to cover\nour processing costs and you agree that we may add such fee to the balance due on your Account, subject to\nthe following exceptions (see table below):\n\nIf you live in:\nIowa, New Jersey, Utah\nTexas, California\nArizona\nMaine, South Carolina, North Carolina,\nMichigan, Hawaii, Florida, Illinois,\nConnecticut, Delaware, District of\nColumbia, Nebraska, Massachusetts,\nMinnesota, Pennsylvania, New Hampshire,\nNew Mexico, North Dakota, South Dakota,\nWest Virginia, Rhode Island, Washington,\nWyoming, Puerto Rico, Guam\n\nThe returned check fee will be:\n$20.00\n$15.00\n$10.00\nNo returned check fee.\n\n6 DEFAULT/COLLECTION COSTS\nIf you fail to pay any minimum monthly payment when due, if you declare bankruptcy, or if you die,\nit will be a default, and subject to any right you may have under state law to receive notice of and to cure\nsuch default, we may declare the entire unpaid balance in the Account due and payable. If the Account is\nreferred to an attorney who is not our salaried employee and we prevail in a suit against you to collect the\namount you owe, in addition to the full amount owed and any court costs, you agree to pay our reasonable\nattorneys\xe2\x80\x99 fees. No attorneys\xe2\x80\x99 fees will be imposed in any state, or in any amount, where not permitted by\nlaw. We will pay your reasonable attorneys\xe2\x80\x99 fees if you prevail in a suit we bring against you under this\nAgreement. As required by law, you are hereby notified that a negative credit report reflecting on\nyour credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations.\n\n\x0c7 CANCELING OR LIMITING YOUR CREDIT\nUnless otherwise provided by applicable law, we have the right at any time to limit or terminate the\nuse of your Account without giving you notice in advance. All credit cards we issue remain our property\nand, if requested, you agree to return any credit card issued to you. You agree to notify us promptly (call us\ntoll free at Tel. No. 18008271396) if any credit card we issue to you is lost or stolen.\n8 CHANGE IN THIS AGREEMENT\nWe may change any term of this Agreement, including the rate of Interest Charge, by furnishing you\nnotice of the change to the extent required by applicable law. If permitted by applicable law, any new terms\nmay, at our option, be applied to any balance existing in the Account at the time of the change, as well as to\nany subsequent transactions.\n9 CREDIT INVESTIGATION\nYou authorize us to investigate your credit history by obtaining consumer reports and by making\ndirect inquiries of businesses where you have accounts and where you work. We may request a consumer\nreport from consumer reporting agencies in considering your application for this Account and later in connection with an update, renewal, or extension of credit. Upon your request we will tell you whether or not a\nconsumer report was requested and the name and address of any consumer reporting agency that furnished\nthe report. You also authorize us to report your performance under this Agreement to credit bureaus and\nothers who may properly receive such information.\n10 DISPUTED AMOUNTS\nAll written communications concerning disputed amounts, including any check or other payment\ninstrument in an amount less than the full amount due that you send to us marked \xe2\x80\x9cpaid in full\xe2\x80\x9d you tender\nwith other conditions or limitations, or you otherwise tender as full satisfaction of a disputed amount, must\nbe sent to us at the address for billing inquiries shown on the billing statement. For important information\nregarding your right to dispute billing errors under Federal Law, see the \xe2\x80\x9cYour Billing Rights Notice\xe2\x80\x9d that\naccompanies your copy of this Agreement.\n11 MARKETING INFORMATION\nTo the extent permitted by applicable law, you give us and any holder of this Agreement permission\nto furnish information about you (usually only your name, address and other identifying data) to other\npersons who may use that information to solicit you for products or services. You can request that we\ndiscontinue furnishing this information by calling us toll free at 1-800-827-1396 or by writing us at Tiffany\n& Co., P.O. Box 6150, Parsippany, New Jersey 07054-9693.\n12 DISPUTE RESOLUTION\nThe exclusive means of resolving any controversy or claim arising out of or relating to this Agreement\nor any related purchase contract, or the breach, termination or invalidity of any of the foregoing shall be in\nthe applicable state and federal courts. The parties hereby waive the right to punitive or exemplary damages\nbut shall have the right to reasonable attorneys\xe2\x80\x99 fees and other court related costs awardable to the\nprevailing party.\n13 CHANGE OF ADDRESS AND GOVERNING LAW\nThis Agreement is governed by the law of your state of residence when this Account was opened. You\nagree to notify us promptly in writing if you move. Until we receive written notice of your new address, we\nwill continue to send monthly statements and other notices to the address you gave on the Application for\nthis Account. Once we receive written notice that you have moved to another state, the terms of this\nAgreement that are applicable to your new state of residence will apply to the entire balance in your\nAccount.\nNotice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland\nCommercial Law Article.\nNotice to Texas Residents: The Interest Charge rate shown above is authorized under the Market\nCompetitive Rate ceiling in effect under Tex. Rev. Civil. Stat. Article 50966.03. To contact Tiffany & Co.\nabout this account, call us toll free at 18008271396. This contract is subject in whole or in part to Texas\nlaw which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX\n787054207. Phone (512) 4791285 or 18005381579. Contact the Commissioner relative to any inquiries or\ncomplaints.\n\n\x0cNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL\nCLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER\nOF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS\nHEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS\nPAID BY THE DEBTOR HEREUNDER.\nNotice: See reverse side for important information regarding your rights to dispute billing errors.\nBY SIGNING THE ACCOMPANYING ACCOUNT REQUEST FORM, YOU ACKNOWLEDGE\nRECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CREDIT AGREEMENT.\nTIFFANY & CO.\nFifth Avenue and 57th Street\nNew York, NY 10022\nBy:\n\nVice President \xe2\x80\x93 Treasury\nDISCLOSURE REQUIRED BY FEDERAL LAW.\nYOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE.\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 Think You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nTiffany & Co\n15 Sylvan Way\nParsippany, NJ 07054-9693\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount information: Your name and account number.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of Problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhile we investigate whether or not there has been an error, the following are true:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount. But, if we determine that we made a mistake, you will not have to pay the\namount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\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,\nand you have tried in good faith to correct the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\nThe purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. (Note: Neither of these are\n\n\x0cnecessary if your purchase was based on an advertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2.\nYou must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not qualify.\n3.\nYou 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\nwriting at:\nTiffany & Co\n15 Sylvan Way\nParsippany, NJ 07054-9693\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount and\nyou do not pay we may report you as delinquent.\n\nACCOUNT AGREEMENT\n\n727 Fifth Avenue, New York, NY 10022\n(212) 755-8000\nFor Tiffany store location or inquires, call 1-800-827-1396.\n\n\x0c'


b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. 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.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDCAHE3 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. 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. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. 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.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nd. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ne. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nDCAHE3 (MXC503 CCM004)-e\n\n\x0cf. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ng. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nh. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\ni. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nj. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.50% of your total new\nbalance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. 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.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at PO Box 200, Lompoc, CA 93438 or telephone (805) 733-7600 seven days a week, 24\nhours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your\ncredit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible\nunauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you are\ngrossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n\nDCAHE3 (MXC503 CCM004)-e\n\n\x0c13. 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. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. 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 purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. 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.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nDCAHE3 (MXC503 CCM004)-e\n\n\x0csubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. 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.\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 the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink 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 to\ninvestigate 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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 is\ncorrect.\n\nDCAHE3 (MXC503 CCM004)-e\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 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.\nNOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 Federal law requires us to provide the following notice to members before\nany \xe2\x80\x9cnegative information\xe2\x80\x9d may be furnished to a nationwide consumer reporting agency. We may report information\nabout your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report.\n\nDCAHE3 (MXC503 CCM004)-e\n\nSave\n\n\x0c'