b'OMNI Community Credit Union\nP.O. Box 1537\nBattle Creek, MI 49016\n(269) 441-1400 \xe2\x96\xb2 (866) OMNI-WOW\n\nCREDIT LINE ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS, PLATINUM CREDIT CARD AND PLATINUM REWARDS CREDIT\nCARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM\nCREDIT CARD AND/OR PLATINUM REWARDS CREDIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS\nDEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF\nANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nPlatinum Credit Card:\n\n8.99 - 17.99_______\n_______%\n\nPlatinum Rewards Credit Card:\n\n9.99 - 15.99_______\n_______%\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n- 17.99\nPlatinum Credit Card: 8.99\n_______%\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\n- 17.99\nPlatinum Credit Card: 8.99\n_______%\n\n- 15.99\nPlatinum Rewards Credit Card: 9.99\n_______%\n\n- 15.99\nPlatinum Rewards Credit Card: 9.99\n_______%\n\nCash Reserve Line of Credit: _______%\nPenalty APR And When it\nApplies\n\n18.00%\nThis APR may be applied to Your credit card accessible Feature Category if:\n1) You make a late payment.\nHow Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the\nPenalty APR may be applied indefinitely unless 6 consecutive payments are received on\nor before the due date during the six-month period following such increase.\n\nPaying Interest\n\nFor credit card accessible Feature Categories, We will not charge You interest on purchases\nif You pay Your entire balance owed each month within 25 days of Your statement closing\ndate. For all Feature Categories, We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\nPenalty Fees\n\xef\x82\xb7 Returned Check Charge\n\xef\x82\xb7 Over-the-Credit Limit\n\xef\x82\xb7 Late Payment\n\nFor Credit Cards, 1.00% of each foreign currency transaction in U.S. dollars.\nFor Credit Cards, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nFor Credit Cards, up to $20.00\nFor Credit Cards, up to $25.00\nFor Credit Cards, up to $25.00\nFor Cash Reserve Line of Credit, the greater of 5.00% of the payment due or $15.00\n\nHow We Will Calculate Your Balance: For Cash Reserve Line of Credit, We use a method called "daily balance.\xe2\x80\x9d For Platinum\nand Platinum Rewards Credit Cards, We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your Account\nAgreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean OMNI COMMUNITY CREDIT UNION. The words "You" and "Your" mean each person accepting\nthis Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card," "Credit Card," and \xe2\x80\x9cCredit Cards\xe2\x80\x9d mean any Platinum Credit Card or Platinum\nRewards Credit Card issued to You by Us and any duplicates or renewals. \xe2\x80\x9cConvenience Checks\xe2\x80\x9d mean the special Account access devices that We may provide for Your use\nfrom time to time.\nCopyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016 Web OMNI (3/18)\nRev. (3/18)\n\n\x0cYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance\nrequest forms, vouchers, checks, charge slips, Convenience Checks, Check Cards, ATM Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific\npayees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You\npromise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your\nAccount, including Finance Charges and other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Cash Reserve Line of Credit (including Overdraft Protection), Platinum Credit Card\nand Platinum Rewards Credit Card.\n\nAccount\nFeature Categories\n\nCash Reserve Line of Credit\n\nDaily\nPeriodic\nRate\n\nMonthly\nPeriodic\nRate\n\n_________\n\nANNUAL\nPERCENTAGE\nRATE\n_________\n\nPlatinum Credit Card\n\n0.749%\n- 1.499%\n_________\n\n8.99% - 17.99%\n_________\n\nPlatinum Rewards Credit Card\n\n_________\n0.833%\n- 1.333%\n\n_________\n9.99% - 15.99%\n\nADVANCES. Whenever You request a transaction, We may require You to prove Your\nidentity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit Union\naccount or by other such means) and You authorize Us to do this, or We may draw a\ndraft or check made payable to You and mail it to You. When the amount advanced\nappears on a subsequent statement, that will be conclusive evidence of Your advance\nrequest unless You notify Us that You disagree with any such item appearing on Your\nperiodic statement according to the provision of this Agreement "Your Billing Rights:\nKeep this Document for Future Use."\n\nof the Minimum Monthly Payment will first be applied to the balance bearing the\nhighest rate of interest, and then to each successive balance bearing the next highest\nrate of interest, until the payment is depleted.\n\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh Account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We may\nset-off any mutual indebtedness.\n\nCash Reserve Line of Credit Minimum Monthly Contractual Payments will be\nestablished and fixed on the first day of the calendar month immediately following\neach advance at an amount equal to 3.00% of Your then outstanding balance,\nsubject to the lesser of $25.00 or Your balance.\n\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected in the\n"Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt.\n\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your periodic\nFinance Charges.\n\nPlatinum Credit Card and Platinum Rewards Credit Card Minimum Contractual\nPayments will be an amount equal to 2.00% of Your new unpaid Platinum Credit\nCard or Platinum Rewards Credit Card balance at the end of each billing cycle,\nsubject to the lesser of $25.00 or Your balance, plus any portion of the Minimum\nPayments shown on prior statement(s) which remains unpaid, plus any amount that\nexceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour Share or Share Draft Account.\n\nLIEN ON SHARES. If You have been issued an ATM or debit card, You grant\nand consent to a lien on Your shares with Us (except for IRA and Keogh\naccounts) and any dividends due or to become due to You from Us to the\nextent You owe on any unpaid Cash Reserve Line of Credit balance created\nthrough the use of Your ATM or debit card.\n\nLATE CHARGE \xe2\x80\x93 CASH RESERVE LINE OF CREDIT. For Cash Reserve Line of\nCredit, if Your payment is 15 or more days past due, You will be charged the greater\nof 5.00% of the payment due or $15.00.\n\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\n\nFINANCE CHARGES \xe2\x80\x93 CASH RESERVE LINE OF CREDIT. For Cash Reserve Line\nof Credit, a Finance Charge will be assessed on any unpaid principal balance for\neach Feature Category of Your Account for the period such balance is outstanding.\nBalances change each time advances are made, payments are made or credits\ngiven under any Feature Category. The Finance Charge begins to accrue on the\ndate of each advance and there is no grace period.\n\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any\nsuch Account access device(s) will be mailed only to the primary Borrower at the\naddress that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nMINIMUM MONTHLY CONTRACTUAL PAYMENTS (PAYMENT SCHEDULE).\nThough You need only pay the Minimum Monthly Contractual Payments, You\nunderstand that You have the right to repay at any time without penalty. You also\nunderstand that You will only be charged periodic Finance Charges to the date You\nrepay Your entire balance. You may make larger payments without penalty. Any partial\npayment or prepayment will not delay Your next scheduled payment. All payments to\nUs must be in lawful money of the United States. For Cash Reserve Line of Credit,\npayments will be applied first to any Late Charges owing, then to the Finance Charge\ndue, then to the outstanding principal balance.\nAs permitted by law, Platinum Credit Card and Platinum Rewards Credit Card\npayments will be applied in an order of Our choosing and any amounts paid in excess\nCopyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.\n\nHOW TO DETERMINE THE FINANCE CHARGE \xe2\x80\x93 CASH RESERVE LINE OF\nCREDIT. For Cash Reserve Line of Credit, the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle being\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the\nbalance each day after payments, credits, and unpaid Finance Charges to that\nbalance have been subtracted and any new advances, insurance premiums or other\ncharges have been added to Your unpaid balance. These daily Finance Charges are\nthen added together and the sum is the amount of the Finance Charge owed for the\nFeature Category being accounted for. The total Finance Charge You owe on Your\nAccount for each billing cycle is the sum of all the Finance Charges due for all\napplicable Feature Categories.\nFINANCE CHARGES - PLATINUM CREDIT CARD AND PLATINUM REWARDS\nCREDIT CARD. In the case of any transactions under Your Platinum Credit Card or\nPlatinum Rewards Credit Card Feature Categories, the balances subject to the periodic\nFinance Charge are the average daily transaction balances outstanding during the\nmonth (including new transactions). To get the average daily balance, We take the\nbeginning balance of Your Account each day, add any new purchases, cash advances,\ninsurance premiums, debit adjustments or other charges and subtract any payments,\ncredits and unpaid Finance Charges. This gives Us the daily balance. Then, We add\nup all the daily balances for the billing cycle and divide them by the number of days\n\nPage 2 of 4\n\nOTBS 016 Web OMNI (3/18)\nRev. (3/18)\n\n\x0cin the billing cycle. The Finance Charge for a billing cycle is computed by multiplying\nthe average daily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are\nposted to Your Account, will be subject to a Finance Charge. Cash advances and\nbalance transfers are always subject to a Finance Charge from the later of the date\nthey are posted to Your Account or from the first day of the billing cycle in which the\ncash advance is posted to Your Account.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in\nsuch increments as We may from time to time determine) to Your share draft account\nby an advance on Your Cash Reserve Line of Credit Feature Category, subject to\nthis provision, to clear any Overdraft on Your share draft account. Whether or not\nsuch transfers occur will be controlled by this Agreement. In any event, You hold Us\nharmless for any and all liability which might otherwise arise if the transfer does not\noccur. Overdraft protection automatically ceases if this Agreement is ever cancelled\nor terminated or Your Account is in default.\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act." and/or "Credit Line Account Advance\nRequest and Security Agreement" which is delivered together with this Agreement\nor at a later date becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device;\nor by authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your\nlast statement. We will mail You a statement each month in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted. EACH STATEMENT IS DEEMED\nTO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A\nBILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\n\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in default.\nYou will, in any case, remain liable to pay any unpaid balances according to the terms\nof Your Account.\n\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks\nhave been reported lost or stolen; (3) Your Account has been cancelled or has\nexpired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting loss\nor liability.\n\nSPECIFIC TERMS APPLICABLE TO YOUR\nPLATINUM CREDIT CARD AND\nPLATINUM REWARDS CREDIT CARD\n\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should\nbe filed against You or any attachment or garnishment should be issued against\nany of Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should,\nin good faith, believe Your ability to repay Your indebtedness hereunder is or soon\nwill be impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel Your\nrights under this Agreement, require the return of all access devices and declare the\nentire balance of every Feature Category of Your Account immediately due and\npayable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection\nand actual attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed\nunder this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our\nrights under this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force\nand effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nCopyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.\n\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Michigan except to the extent that such laws are inconsistent with controlling\nfederal law.\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial institutions.\nYou agree not to use Your Card for illegal transactions including, but not limited to,\nadvances made for the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\nOWNERSHIP. Your Card remains Our property and may be canceled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN 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 Fund Transfer, the terms and conditions of Your\nElectronic Fund Transfer Agreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (269) 441-6222. You may\nalso write to Us at the address shown in this Agreement. In any case, Your liability\nwill not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept the Cards\nor Convenience Checks, or electronic terminals to honor the Cards or complete a Card\nwithdrawal, or for their retention of the Cards or Convenience Checks.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the\nrange of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate MasterCard itself receives; or\n(b) the government-mandated rate in effect for the applicable central processing\ndate. In each instance, You will be charged a fee in an amount equal to 1.00% of the\nsettlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advance, credit or other slips cannot be returned with the statement.\n\nPage 3 of 4\n\nOTBS 016 Web OMNI (3/18)\nRev. (3/18)\n\n\x0cRETURNED CHECK CHARGE. You will be charged the lesser of $20.00 or the\nrequired minimum payment amount for the returned payment for any check (or other\nnegotiable instrument used for payment) which is returned unpaid.\n\nWhen We receive Your letter, We must do two things:\n\nLATE CHARGE. If Your payment is one or more days past due, You will be charged\nthe lesser of: (a) the amount of the minimum payment due; or (b) $25.00.\n\n2)\n\nOVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to\npay a transaction that would exceed Your Credit Limit and We have acknowledged\nYour consent as required by applicable law, subject to any limitations imposed by\napplicable law, You will be charged a fee for each billing cycle during which You\nexceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a) $25.00;\nor (b) the amount by which You have exceeded Your Credit Limit.\n\nWhile We investigate whether or not there has been an error:\n\nPENALTY RATE- PLATINUM CREDIT CARD AND PLATINUM REWARDS\nCREDIT CARD. If Your credit card accessible Feature Category is more than 60\ndays past due, subject to applicable law, the Monthly Periodic Rate applicable to\nYour entire balance of transactions existing at that time and in the future will increase\nto 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).\nDuring the six month period following the effective date of the increase, upon receipt\nof the first six consecutive required minimum periodic payments when due, the rate\nwill be returned to the standard rate that would have otherwise been in effect.\n\n1)\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at Our address shown in\nthis Agreement. In Your letter, give us the following information:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do We\nare not required to investigate any potential errors and You may have to pay the amount\nin question.\nWhat Will Happen After We Receive Your Letter\n\nCopyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You as\ndelinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to\nUs within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport 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\nWe must let those organizations know when the matter has been settled between\nUs. If We do not follow all of the rules above, You do not have to pay the first $50.00\nof the amount You question even if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1)\n\n2)\n\nYou must contact Us:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us at (269) 441-6222.\nYou may also write to Us at the address shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your Account.\nIf Your credits and payments exceed what You owe Us, We will hold and apply this\ncredit against future purchases and cash advances, or if it is $1.00 or more refund it on\nYour written request or automatically deposit it to Your Share Account after six months.\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was based\non an advertisement We mailed to You, or if We own the company that sold\nYou the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At\nthat point, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 4 of 4\n\nOTBS 016 Web OMNI (3/18)\nRev. (3/18)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM AWARDS/TRADITIONAL\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Family Trust Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03900712-MXC30-C-1-031518 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\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.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\nPage 2 of 5\n03900712-MXC30-C-1-031518 (MXC303-E)\n\n\x0c10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 10233,\nRock Hill, SC, 29731 or call Us at 800-602-6075, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. 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.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n\nPage 3 of 5\n03900712-MXC30-C-1-031518 (MXC303-E)\n\n\x0c18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nSouth Carolina.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nPage 4 of 5\n03900712-MXC30-C-1-031518 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n03900712-MXC30-C-1-031518 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nPLATINUM AWARDS/TRADITIONAL RATE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Awards\n\n0.00%\n\nIntroductory APR for 12 months from account opening.\n\n7.95% to 12.95%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTraditional\n\n0.00%\n\nIntroductory APR for 12 months from account opening.\n\n6.95% to 17.95%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nPlatinum Awards\n7.95% to 12.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTraditional\n6.95% to 17.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Awards\n7.95% to 12.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTraditional\n6.95% to 17.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03900712-MXC10-P-1-091219 (MXC101-E)\n\n\x0cFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $27.00\nUp to $10.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases will apply to transactions posted to your account during the first 12 months following\nthe opening of your account.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and apply the prevailing non-introductory APR if you are 60 days late in\nmaking a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: November 1, 2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Awards and Traditional are secured credit cards. Credit extended under\nthis credit card account is secured by various personal property and money including, but not limited to: (a) any\ngoods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a\nseparate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union\nexcluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nReturned Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03900712-MXC10-P-1-091219 (MXC101-E)\n\n\x0c'


b'VISA PLATINUM/VISA PLATINUM REWARDS/\nVISA PLATINUM CASH BACK\nF1\n\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n0.00%\nF2\n\nIntroductory APR for a period of F3\nsix billing cycles .\n\nAfter that your APR will be\nyour creditworthiness.\n\n9.90%\nF4\n\n18.90%\nto F5\n\nbased on\n\nVisa Platinum Rewards\n\n0.00%\nF6\n\nIntroductory APR for a period of F7\nsix billing cycles .\n\nAfter that your APR will be\nyour creditworthiness.\n\n11.90% to F9\n20.90%\nF8\n\nbased on\n\nVisa Platinum Cash Back\n\n0.00%\nF10\n\nIntroductory APR for a period of F11\nsix billing cycles\n\n.\n\n10.49% to F13\n19.49%\nF12\n\nAPR for Balance Transfers\n\nAfter that your APR will be\nbased on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum\n0.00%\nF14\nIntroductory APR for a period of F15\n.\nsix billing cycles\n\n9.90%\nAfter that your APR will be F16\ncreditworthiness.\n\n18.90% based on your\nto F17\n\nVisa Platinum Rewards\n0.00%\nF18\nIntroductory APR for a period of F19\nsix billing cycles\n\n.\n\n11.90% to F21\n20.90% based on your\nAfter that your APR will be F20\ncreditworthiness.\nVisa Platinum Cash Back\n0.00%\nF22\nIntroductory APR for a period of F23\nsix billing cycles\n\nAPR for Cash Advances\n\n.\n\n10.49% to F25\n19.49% based on your\nAfter that your APR will be F24\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum\n9.90%\n18.90% when you open your account, based on your\nF26\nto F27\ncreditworthiness.\nVisa Platinum Rewards\n11.90%\n20.90% when you open your account, based on your\nF28\nto F29\ncreditworthiness.\nVisa Platinum Cash Back\n10.49%\n19.49% when you open your account, based on your\nF30\nto F31\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDILFZ8 (MXC403 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cHow to Avoid Paying Interest on Purchases\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\n$5.00\nF32\ngreater\n2.00%\nF34\n\n3.00%\nor F33\n\nof the amount of each cash advance, whichever is\n\nof each transaction in U.S. dollars\n\n$20.00\nUp to F35\n$25.00\nUp to F36\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nPromotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your\naccount during the first F37\nfollowing issuance of your card. The Introductory APR for balance transfers\nsix billing cycles\nwill apply to transactions posted to your account until F38\nthe seventh billing cycle .\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of F39\nDecember 30, 2015 .\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Recovery Fee\nRepresentative-Assisted Expedited Payment Fee\n\nF40\nor the amount of the required minimum payment, whichever\n$20.00\nis less, if you are one or more days late in making a payment.\nF41\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nF42\n$12.00\nF43\n$15.00\nF44\n$150.00\nF45\n$65.00\nF46\n$5.00\n\nDILFZ8 (MXC403 CCM003)-e\n\n\x0c'


b'18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not\nresponsible for the refusal of any merchant or financial\ninstitution to honor your card. The Credit Union is subject\nto claims and defenses (other than tort claims) arising out\nof goods or services you purchase with the card if you have\nmade a good faith attempt but have been unable to obtain\nsatisfaction from the merchant or service provider, and (a)\nyour purchase was made in response to an advertisement\nthe Credit Union sent or participated in sending to you; or (b)\nyour purchase cost more than $50.00 and was made in your\nstate or within 100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of\nyou will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the\nCredit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you\nauthorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and\nthe termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the\ncontract which applies to all transactions on your account\neven though the sales, cash advances, credit or other slips\nyou sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any\nof its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices\nwill be mailed to you at the appropriate address you have\ngiven the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This\nAgreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement\nand Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement\nor the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain\nin effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have\nreceived a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may\nnot use your card to initiate any type of gambling transaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your\naccount, all rates for your account, including the rates\nfor purchases, cash advances, and balance transfers, will\nincrease to the Penalty Rate when you meet one or more of\nthe conditions as set forth in the Disclosure accompanying\nthis Agreement. Any rate increases applied to your account\nare subject to applicable notice requirements. Please refer\nto the Disclosure for additional information regarding the\nPenalty Rate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer\nVoluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase\nVoluntary Payment Protection from us, you authorize us\nPage 8\n\n(continued)\n\nto add the fees or insurance charges monthly to your loan\nbalance and charge you interest on the entire balance. At\nour option we will change your payment or the period of\ntime necessary to repay the loan balance. The rate used\nto determine the fees or insurance charges may change in\nthe future. If the rate changes, we will provide any notices\nrequired by applicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written\nagreement is a final expression of the agreement between\nyou and the Credit Union. This written agreement may not be\ncontradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW\n\xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR\nREPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT\nPAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM\nYOU.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nDade County Federal Credit Union\n1500 NW 107th Ave\nDoral, FL 33172\nYou may also contact us on the Web: www.dcfcu.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected\nerror.\n\xe2\x80\xa2 Description of problem: If you think there is an error\non your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing [or\nelectronically]. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell you\nif we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\nPage 9\n\n(continued)\n\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question even if your\nbill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing [or electronically] at:\nDade County Federal Credit Union\n1500 NW 107th Ave\nDoral, FL 33172\nwww.dcfcu.org\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nDADE COUNTY FEDERAL CREDIT UNION\n1500 NW 107th Ave \xe2\x80\xa2 Doral, FL 33172\n(305) 471-5080 \xe2\x80\xa2 (800) 299-7147\nFax: (786) 845-3150 \xe2\x80\xa2 www.dcfcu.org\n\nSTUDENT VISA\nCONSUMER CREDIT CARD AGREEMENT\n\n\xc2\xa9 CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED\n\nPage 10\n\n(continued)\n\nPage 11\n\n1-1V2E7B01\nCCM000\nMXC500\n\nM-103005\n\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit\nCard Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card Account\nOpening Disclosure. The Account Opening Disclosure is\nincorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words\n\xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean each and all of those who\nagree to be bound by this Agreement; \xe2\x80\x9ccard\xe2\x80\x9d means the Visa\ncredit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; \xe2\x80\x9caccount\xe2\x80\x9d means your Visa credit\ncard line-of-credit account with the Credit Union; and \xe2\x80\x9cCredit\nUnion\xe2\x80\x9d means the Credit Union whose name appears on this\nAgreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an\naccount, the Credit Union will establish a line of credit for\nyou. You agree that your credit limit is the maximum amount\n(purchases, cash advances, finance charges, plus \xe2\x80\x9cother\ncharges\xe2\x80\x9d) which you will have outstanding on your account\nat any time. Unless disclosed otherwise, the Credit Union\nwill not allow advances over the credit limit. If the Credit\nUnion has a program whereby it allows payment of advances\nthat exceed your credit limit, subject to a fee, the Credit\nUnion will provide you with notice, either orally, in writing,\nor electronically (notwithstanding the requirements of the\nparagraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your\nright to opt in to the Credit Union\xe2\x80\x99s program whereby it will\nhonor advance requests over the credit limit. In the event you\nopt in to such a program, you agree to the terms of such a\nprogram. You may request an increase in your credit limit\nonly by a method acceptable to the Credit Union. The Credit\nUnion may increase or decrease your credit limit, refuse to\nmake an advance and/or terminate your account at any time\nfor any reason not prohibited by law. If you are permitted to\nobtain cash advances on your account, we may, from time to\ntime, issue convenience checks to you that may be drawn on\nyour account. Convenience checks may not be used to make\na payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance.\nWe reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall\nnot constitute wrongful dishonor.\nPage 1\n\n(continued)\n\n\x0cYou may request that we stop the payment of a convenience\ncheck drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued\non your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made\nwith sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act\non your request. In addition, your request must accurately\ndescribe the check including the exact account number, the\npayee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop\npayment request orally but such a request will expire after\n14 days unless you confirm your request in writing within\nthat time. Written stop payment orders are effective only for\nsix (6) months and may be renewed for additional six month\nperiods by requesting in writing that the stop payment order\nbe renewed. We are not required to notify you when a stop\npayment order expires. If we re-credit your account after\npaying a check or draft over a valid and timely stop payment\norder, you agree to sign a statement describing the dispute\nwith the payee, to assign to us all of your rights against the\npayee or other holders of the check or draft and to assist\nus in any legal action. You agree to indemnify and hold us\nharmless from all costs and expenses, including attorney\xe2\x80\x99s\nfees, damages, or claims, related to our honoring your stop\npayment request or in failing to stop payment of an item as a\nresult of incorrect information provided to us or the giving of\ninadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use\nof your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of\nthe Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make\npurchases from merchants and others who accept your\ncard. The credit union is not responsible for the refusal of\nany merchant or financial institution to honor your card. If\nyou wish to pay for goods or services over the Internet, you\nmay be required to provide card number security information\nbefore you will be permitted to complete the transaction.\nIn addition, you may obtain cash advances from the Credit\nUnion, from other financial institutions that accept your card,\nand from some automated teller machines (ATMs). (Not all\nATMs accept your card.) If the credit union authorizes ATM\ntransactions with your card, it will issue you a personal\nidentification number (PIN). To obtain cash advances from\nan ATM, you must use the PIN issued to you for use with\nyour card. You agree that you will not use your card for any\ntransaction that is illegal under applicable federal, state, or\nlocal law. Even if you use your card for an illegal transaction,\nyou will be responsible for all amounts and charges incurred\nin connection with the transaction. If you are permitted to\nobtain cash advances on your account, you may also use your\ncard to purchase instruments and engage in transactions that\nwe consider the equivalent of cash. Such transactions will be\nposted to your account as cash advances and include, but\nare not limited to, wire transfers, money orders, bets, lottery\ntickets, and casino gaming chips. This paragraph shall not be\n\ninterpreted as permitting or authorizing any transaction that\nis illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges\n(purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your\naccount by you or anyone you authorize to use your account.\nYou also promise to pay all finance charges and other charges\nadded to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this\nis a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to\npurchases, cash advances, and balance transfers are disclosed\non the Disclosure that accompanies this Agreement. Any\npenalty rate that may be imposed for failing to make a payment\nby the payment due date is also disclosed on the Disclosure.\nAny rate change will be made pursuant to applicable law.\nIf the rate for your account is variable, as indicated on the\naccompanying Disclosure, the rate charged on purchases,\ncash advances, balance transfers and any penalty rate will\nvary periodically as disclosed in the Disclosure accompanying\nthis Agreement. The initial rate on your account for certain\ntypes of transactions may be an introductory discounted rate\n(Introductory Rate) that is lower than the rate that would\nordinarily apply for that type of transaction. If an Introductory\nRate applies to your account, the rates and the period of time\nit will be effective is shown on the Disclosure accompanying\nthis Agreement. After the Introductory Rate period expires,\nthe periodic rate will automatically increase to the rates that\nwould ordinarily apply for that type of transaction based on\nthe terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your\naccount during a billing cycle will not incur a finance charge\nfor that billing cycle. Finance charge begins to accrue on\nthose purchases from the first day of the next billing cycle,\nunless you paid the entire new balance on the previous\ncycle\xe2\x80\x99s billing statement by the payment due date of that\nstatement. To avoid an additional finance charge on the\nbalance of purchases, you must pay the entire new balance\non the billing statement by the payment due date of that\nstatement. A finance charge begins to accrue on cash\nadvances from the date you get the cash advance or from\nthe first day of the billing cycle in which the cash advance is\nposted to your account, whichever is later.\nThe finance charge is calculated separately for purchases\nand cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily\nbalance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance\nof purchases each day and subtract any payments and/or\ncredits that we apply to the purchase balance. (We do not add\nin any purchases posted during the billing cycle.) This gives\nus the daily balance of purchases. We then add all of the daily\nbalances of purchases for the billing cycle together and divide\nthe total by the number of days in the billing cycle. This gives\nus the average daily balance of purchases.\n\nFor cash advances, the finance charge is computed by\napplying the periodic rate to the average daily balance of\ncash advances. To calculate the average daily balance of\ncash advances, we take the beginning outstanding balance\nof cash advances each day, add in any new cash advances,\nand subtract any payments and/or credits that we apply to\nthe cash advance balance. This gives us the daily balance of\ncash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total\nby the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers\nare calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash\nadvances made in foreign currencies will be debited from\nyour account in U.S. dollars. The exchange rate between\nthe transaction currency and the billing currency used for\nprocessing international transactions is a rate selected by\nVisa from a range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives or the\ngovernment-mandated rate in effect for the applicable central\nprocessing date. The exchange rate used on the processing\ndate may differ from the rate that would have been used on\nthe purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be\nimposed on all foreign transactions, including purchases,\ncash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a\nmerchant completes on your card outside of the United\nStates, with the exception of U.S. military bases, U.S.\nterritories, U.S. embassies or U.S. consulates. The Foreign\nTransaction Fee is set forth on the Disclosure accompanying\nthis Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following\nadditional fees may be imposed on your account. If applicable\nto your account, the fee amounts and explanations are\ndisclosed on the Disclosure accompanying this Agreement.\nYour account may also be subject to additional fees as set\nforth on the Disclosure accompanying this Agreement.\na. Replacement Card Fee. If your account is subject to the\nReplacement Card Fee, a fee will be added to your account\nfor each replacement card that is issued for any reason.\nb. Foreign Transaction Fee (Finance Charge). If your\naccount is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be added to your account for transactions\nmade outside of the United States or in a foreign currency.\nTransactions made in a foreign currency using a Visa\nbranded card or processed by a network operated or\naffiliated with Visa will be subject to a fee as set forth on the\nDisclosure accompanying this Agreement.\nc. Late Payment Fee. If your account is subject to a Late\nPayment Fee, the fee will be added to your account when you\ndo not make the required minimum payment by or within the\nnumber of days of the statement Payment Due Date set forth\non the Disclosure accompanying this Agreement.\n\nd. Over-the-Credit Limit Fee. If you have elected the\nfeature to allow your account to go over your credit limit,\nwe may charge you a fee as allowed by law. However, in no\ncase will we impose an over-the-limit fee except in the next\ntwo billing cycles unless you have obtained an additional\nextension of credit in excess of such credit limit during each\nsubsequent cycle or you have reduced the balance below the\ncredit limit as of the end of each bill cycle.\ne. Returned Payment Fee. If your account is subject to a\nReturned Payment Fee, the fee will be added to your account\nwhen a payment is returned for any reason.\nf. Statement Copy Fee. If your account is subject to a\nStatement Copy Fee, except as limited by applicable law\nand when the request is made in connection with a billing\nerror made by the Credit Union, a fee may be added to your\naccount for each copy of a sales draft or statement that you\nrequest.\ng. Rush Fee. If your account is subject to a Rush Fee,\nexcept as limited by applicable law, a fee may be added to\nyour account for each rush card that you request, providing\ndelivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the\nminimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently,\npay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you\nare still required to make at least the minimum payment\neach month your account has a balance (other than a credit\nbalance). The minimum payment is 3.00% of your total new\nbalance, or $10.00, whichever is greater, plus the amount\nof any prior minimum payments that you have not made,\nall outstanding unpaid fees and charges, and any amount\nyou are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand\nimmediate payment of any amount by which you are over\nyour credit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law,\nyour payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in\nevery case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union\nwill allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to\nthe other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a\nsecurity interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have\nin any goods you purchase. If you give the Credit Union\na specific pledge of shares by signing a separate pledge\nof shares, your pledged shares will secure your account.\nYou may not withdraw amounts that have been specifically\npledged to secure your account until the Credit Union agrees\nto release all or part of the pledged amount.\n\nPage 2\n\nPage 3\n\nPage 4\n\nPage 5\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\nYour Account is secured by all other shares you have\nin any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or\nin any other account that would lose special tax treatment\nunder state or federal law if given as security. These\nother shares may be withdrawn unless you are in default\nunder this agreement. You authorize the Credit Union\nto apply the balance in your individual or joint share\naccounts to pay any amounts due on your Account if you\nshould default.\nCollateral securing other loans you have with the Credit Union\nmay also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding\nanything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any\nminimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise\nyou make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable\nto pay your obligations when they become due. You will be\nin default if you make any false or misleading statements in\nany credit application or credit update. You will also be in\ndefault if something happens that the Credit Union believes\nmay substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to\ndemand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded,\nyou agree to continue paying finance charges at the periodic\nrate charged before default, until what you owe has been\npaid, and any shares that were given as security for your\naccount may be applied towards what you owe.\nIn the event that any suit is filed against the Credit Union with\nrespect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts\nof the state of Florida.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN\nCARD NOTIFICATION \xe2\x80\x94 You agree to notify us immediately,\norally or in writing, at 560 Carillon Parkway, St. Petersburg,\nFL 33716 or telephone (800) 449-7728 seven (7) days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use\nof your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized\nuse that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for\nunauthorized purchases made with your credit card, unless\nyou are grossly negligent in the handling of your card. In any\ncase, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As\npermitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to\ntime. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice\nto you, the change will apply to your existing account balance\nas well as to future transactions.\nPage 6\n\n(continued)\n\nEither you or the Credit Union may terminate this Agreement\nat any time, but termination by you or the Credit Union\nwill not affect your obligation to pay the account balance\nplus any finance and other charges you owe under this\nAgreement. Your obligation to pay the account balance plus\nany finance and other charges you owe under this agreement\nare subject to all applicable laws and regulations regarding\nrepayment requirements. You are also responsible for all\ntransactions made to your account after termination, unless\nthe transactions were unauthorized.\nThe card or cards you receive remain the property of the\nCredit Union and you must recover and surrender to the\nCredit Union all cards upon request or upon termination of\nthis Agreement whether by you or the Credit Union. If this is\na joint account, the paragraph on JOINT ACCOUNTS of this\nAgreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS\n\xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in\nwriting of any termination of an authorized user\xe2\x80\x99s right to\naccess your account. Your letter must include the name of\nthe authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with\nthe authorized user\xe2\x80\x99s card and any convenience or other\naccess checks issued to the authorized user. If you cannot\nreturn the authorized user\xe2\x80\x99s card or access checks and if you\nrequest your account to be closed, we will close your account\nand you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94\nYou authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You\nauthorize the Credit Union to disclose information regarding\nyour account to credit bureaus and creditors who inquire\nabout your credit standing. If your account is eligible\nfor emergency cash and/or emergency card replacement\nservices, and you request such services, you agree that\nwe may provide personal information about you and your\naccount that is necessary to provide you with the requested\nservice(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and\nothers who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union\na credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union,\nthe amount will be applied against future purchases and cash\nadvances. If the credit balance amount is $1.00 or more, it\nwill be refunded upon your written request or automatically\nafter six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The\nCredit Union may from time to time offer additional services\nto your account, such as travel accident insurance, at no\nadditional cost to you. You understand that the Credit Union\nis not obligated to offer such services and may withdraw or\nchange them at any time.\n\nPage 7\n\n(continued)\n\n\x0c'