b'16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of\nyou will be individually and jointly responsible for paying\nall amounts owed under this Agreement. This means that\nSEFCU can require any one of you individually to repay the\nentire amount owed under this Agreement. Each of you\nauthorizes the other(s) to make transactions on the account\nindividually. Any one of you may terminate the account and\nthe termination will be effective as to all of you.\n17. 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.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This\nAgreement is the final expression of the terms and conditions\nof your account. This written Agreement may not be\ncontradicted by evidence of any alleged verbal Agreement.\nShould any part of this Agreement be found to be invalid or\nunenforceable, all other parts of this Agreement shall remain\nin effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree\nthat you will not use your card for any transaction, including\nany type of electronic gambling transaction through the\nInternet, that is illegal under applicable federal, state, or local\nlaw.\nEven if you use your card for an illegal transaction, you\nwill be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that\nis illegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this\nAgreement shall be governed by federal law and the law of\nNew York.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in\nenforcing or fail to enforce any of our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If we refer collection of your\naccount to a lawyer who is not our salaried employee, you\nare liable for any reasonable attorney\xe2\x80\x99s fees we incur, plus the\ncosts and expenses of any legal action, as further disclosed\non this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of our rights\nand obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may\napply for a separate account. Applicants: 1) may, after credit\napproval, use the credit card account up to its credit limit;\n2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, you are hereby notified\nthat a negative credit report reflecting on your credit record\nmay be submitted to a credit reporting agency if you fail to\nfulfill the terms of your credit obligations.\n\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that,\nshould we obtain a judgment against you, a portion of your\ndisposable earnings may be attached or garnished (paid to\nus by your employer), as provided by Florida and Federal\nlaw.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Verbal Agreements or\ncommitments to loan money, extend credit or to forbear\nfrom enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect\nyou (borrower(s)) and us (creditor) from misunderstanding\nor disappointment, any Agreements we reach covering\nsuch matters are contained in this writing, which is\nthe complete and exclusive statement of the Agreement\nbetween us, except as we may later agree in writing to\nmodify it.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that\nMaryland law applies to your account, we elect to offer your\ncard account pursuant to Title 12, Subtitle 9 of the Maryland\nCommercial Law Article.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report\nin connection with this account, including for any review,\nmodification, renewal or collections associated with this\naccount. Upon your request, you will be informed whether\nsuch report was requested and, if so, the name and address\nof the consumer reporting agency furnishing the report. New\nYork residents may contact the New York State Banking\nDepartment at (800) 342-3736 or www.dfs.ny.gov to obtain\na comparative listing of credit card rates, fees and grace\nperiods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination\nrequire that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies\nmaintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers\ncompliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If you believe there have\nbeen any improprieties in making this loan or in the lender\xe2\x80\x99s\nloan practices, you may contact the South Dakota Division of\nBanking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501,\nor by phone at (605) 773-3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If you are married, please\ncontact us immediately upon receipt of this Agreement at\nthe address or phone number listed on this Agreement and\nprovide us with the name and address of your spouse. We\nare required to inform your spouse that we have opened an\naccount for you.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written\nAgreement is a final expression of the Agreement between you\nand SEFCU. This written Agreement may not be contradicted\nby evidence of any verbal Agreement. As required by law, you\n\nPage 9\n\nPage 10\n\n(continued)\n\n(continued)\n\nare hereby notified that a negative credit report reflecting on\nyour credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of your credit obligations.\n33. 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\nNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT\nFROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK,\nAND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\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:\nCustomer Service\nPO Box 31535\nTampa, FL 33631\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n-\t\x07Dollar amount: The dollar amount of the suspected\nerror.\n-\t\x07Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n-\t\x07\nWithin 60 days after the error appeared on your\nstatement.\n-\t\x07\nAt least three business days before an automated\npayment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. \x07Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. \x07Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\n\nPage 11\n\n(continued)\n\nWhile we investigate whether or not there has been an error:\n-\t\x07We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n-\t\x07The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n-\t\x07While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n-\t\x07We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n- \x07If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n- \x07If 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 may\nthen report you as delinquent if you do not pay the\namount 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. \x07The purchase must have been made in your home state\nor within 100 miles of your current mailing address,\nand the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or\nservices.)\n2. \x07You 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 do\nnot 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 at:\nCustomer Service\nPO Box 31535\nTampa, FL 33631\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\nPage 12\n\nPage 13\n\n(continued)\n\nPatroon Creek Corporate Center\n700 Patroon Creek Blvd.\nAlbany, NY 12206-1067\n800-727-3328\nwww.sefcu.com\n\nCONSUMER CREDIT\nCARD AGREEMENT\nAND DISCLOSURE\nThis Consumer Credit Card Agreement and Disclosure\ntogether with the Account Opening Disclosure and any other\naccount opening documents or any subsequent documents\nprovided to you related to this account (hereinafter collectively\nreferred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions\nof 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 \xe2\x80\x9ccredit\nunion\xe2\x80\x9d refers to SEFCU with which this Agreement is made.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d refers to each applicant and\nco-applicant for the account; any person responsible for\npaying the account; and anyone you authorize to use, access\nor service the account. \xe2\x80\x9cCard\xe2\x80\x9d means the Mastercard credit\ncard and any other access devices, duplicates, renewals, or\nsubstitutions, including convenience checks, SEFCU issues\nto you. \xe2\x80\x9cAccount\xe2\x80\x9d means the line of credit established by this\nAgreement and includes your card.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09,\n10, 12, 14, 16 All Rights Reserved\n\nPage 14\n\n03100017MXC322-C-1042720\n\nSECURITY INTEREST\nYou grant SEFCU a security interest under the Uniform\nCommercial Code and under any common law rights SEFCU\nmay have in any goods you purchase.\nIf you give SEFCU a specific pledge of shares by signing a\nseparate Share Pledge Agreement Mastercard Credit Card,\nyour pledged shares will secure your account. You may not\nwithdraw amounts that have been specifically pledged to\nsecure your account until SEFCU agrees to release all or\npart of the pledged amount.\nYou grant us a security interest in all individual and joint\nshare and/or deposit accounts you have with us now and\nin the future to secure your credit card account. Shares\nand deposits in an IRA or any other account that would\nlose special tax treatment under state or federal law if\ngiven as security are not subject to the security interest\nyou have given in your shares and deposits. You may\nwithdraw these other shares unless you are in default.\nWhen you are in default, you authorize us to apply the\nbalance in these accounts to any amounts due. For\nexample, if you have an unpaid credit card balance, you\nagree we may use funds in your account(s) to pay any or\nall of the unpaid balance. You acknowledge and agree\nthat your pledge does not apply during any periods when\nPage 1\n\n(continued)\n\n\x0cyou are a covered borrower under the Military Lending Act.\nFor clarity, you will not be deemed a covered borrower,\nand your pledge will apply, if: (i) you established\nyour credit card account when you were not a covered\nborrower; or (ii) you cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law,\ncollateral securing other loans you have with SEFCU may\nalso secure this loan, except that a dwelling will never be\nconsidered 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\nkeeping the card, you agree to the terms of this Agreement.\nYou agree to use your account in accordance with this\nAgreement. Your account must only be used for lawful\ntransactions. You may use your card to make purchases\nfrom merchants and others who accept your card. The credit\nunion is not responsible for the refusal of any merchant or\nfinancial institution to honor your card. If you wish to pay\nfor goods or services over the Internet, you may be required\nto provide card number security information before you\nwill be permitted to complete the transaction. In addition,\nyou may obtain cash advances from the credit union, from\nother financial institutions that accept your card, and from\nsome automated teller machines (ATMs). (Not all ATMs\naccept your card.) Cash advances are limited to 20% of your\nestablished credit line, up to the amount of your available\nbalance. If the credit union authorizes ATM transactions with\nyour card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use\nthe PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal\nunder applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible\nfor all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances\non your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the\nequivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to,\nwire transfers and money orders. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that\nis illegal.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part\nof this Agreement, which you promise not to exceed. If you\nexceed the credit limit, you promise to repay immediately the\namount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may\nrequest a credit limit increase on your account only by a\nmethod acceptable to SEFCU. We may increase or decrease\nyour credit limit, refuse to make an advance and/or terminate\nyour account at any time for any reason permitted by law.\n\nPage 2\n\n(continued)\n\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time,\nissue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a\npayment on your account. If you use a convenience check, it\nwill be posted to your account as a cash advance. We reserve\nthe right to refuse to pay a convenience check drawn on your\naccount for any reason and such refusal shall not constitute\nwrongful dishonor. You may request that we stop the\npayment of a convenience check drawn on your account. You\nagree to pay any fee as identified in this Agreement imposed\nto stop a payment on a convenience check issued on your\naccount. You may make a stop payment request verbally,\nif permitted, or in writing. Your request must be made with\nsufficient time in advance of the presentment of the check for\npayment to give us a reasonable opportunity to act on your\nrequest. In addition, your request must accurately describe\nthe check including the exact account number, the payee, any\ncheck number that may be applicable, and the exact amount\nof the check. If permitted, you may make a stop payment\nrequest verbally but such a request will expire after fourteen\n(14) 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 (6)\nmonth periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify you when a\nstop payment order expires.\nIf we re-credit your account after paying a check over a valid\nand timely stop payment order, you agree to sign a statement\ndescribing the dispute with the payee, to assign to us all of\nyour rights against the payee or other holders of the check\nand to assist us in any legal action.\nYou agree to indemnify and hold us harmless from all costs\nand expenses, including attorney\xe2\x80\x99s fees, damages, or claims,\nrelated to our honoring your stop payment request or in\nfailing to stop payment of an item as a result of incorrect\ninformation provided to us or the giving of inadequate time\nto act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform\nCommercial Code. It is an advance from your credit card\naccount with us and your stop payment rights are provided\nunder this Agreement with us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts you\nowe under this Agreement. Your promise to repay includes\nall transactions made to your account by you or anyone you\nauthorize to use your account as well as all interest charges\nand fees. All payments must be made in U.S. dollars and, if\nmade by a negotiable instrument such as a check or money\norder, must be in a form acceptable to us and drawn on a\nU.S. financial institution.\nFor each billing period, you must pay at least the Minimum\nPayment Due by the Payment Due Date indicated on your\nstatement.\n\nThe Minimum Payment Due is 3.00% of your total New\nBalance, or $25.00, whichever is greater, plus any amount\npast due and any amount by which you have exceeded your\napplicable credit limit. If your total New Balance is less than\n$25.00, then your Minimum Payment Due is the amount of\nthe total New Balance.\nYou may pay more frequently, pay more than the Minimum\nPayment Due or pay the total New Balance in full.\nIf you make extra or larger payments, you are still required\nto make at least the Minimum Payment Due each month your\naccount has a balance (other than a credit balance). SEFCU\nmay delay replenishing your credit limit until the date the\npayment is posted or we confirm the payment has cleared.\nYour payment of the required Minimum Payment Due\nmay be applied to what you owe SEFCU in any manner\nwe choose, as permitted by applicable law. If you make a\npayment in excess of the required Minimum Payment Due,\nSEFCU will allocate the excess amount first to the balance\nwith the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any\nremaining portion to the other balances in descending order\nbased on applicable APR, unless otherwise prescribed by\napplicable law. We may accept checks marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or with words of similar effect without losing any of\nour rights to collect the full balance of your account with us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will\nbegin charging you interest on purchases on the date the\ntransaction is posted to your account. We will begin charging\nyou interest on cash advances and balance transfers on the\ndate of the transaction or the first day of the billing cycle in\nwhich the transaction is posted to your account, whichever\nis later (transaction date). However, we will not charge you\nany interest on new purchases if your account had a zero or\ncredit balance at the beginning of that billing cycle, or you\npaid the entire new balance on the previous cycle\xe2\x80\x99s billing\nstatement by the Payment Due Date of that statement. To\navoid any additional finance charge on the balance of your\naccount, you must pay the entire new balance on the billing\nstatement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on your account are calculated separately\nfor purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for\neach Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d for a Transaction Type we take the beginning\nbalance for that Transaction Type each day, add any new\ntransactions of that type, and subtract any unpaid interest\nor other finance charges and any applicable payments or\ncredits. This gives us the daily balance for each Transaction\nType. Then, for each Transaction Type, we add up all the\ndaily balances for the billing cycle and divide each total by\nthe number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n\nThe periodic rates applicable to purchases, cash advances,\nand balance transfers are disclosed on the Disclosure that\naccompanies this Agreement. Any penalty rate that may be\nimposed for failing to make a payment by the payment due\ndate is also disclosed on the Disclosure. Any rate change will\nbe made pursuant to applicable law. If the rate for your account\nis variable, as indicated on the accompanying Disclosure, the\nrate charged on purchases, cash advances, balance transfers\nand any penalty rate will vary periodically as disclosed in\nthe Disclosure accompanying this Agreement. The initial\nrate on your account for certain types of transactions may\nbe an introductory discounted rate (Introductory Rate) that\nis lower than the rate that would ordinarily apply for that\ntype of transaction. If an Introductory Rate applies to your\naccount, the rates and the period of time it will be effective\nis shown on the Disclosure accompanying this Agreement.\nAfter the Introductory Rate period expires, the periodic rate\nwill automatically increase to the rates that would ordinarily\napply for that type of transaction based on the terms of this\nAgreement.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees\nmay be imposed on your account. If applicable to your\naccount, the fee amounts and explanations are disclosed\non the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 If You make a purchase or\nobtain a cash advance in a foreign currency, the transaction\nwill be debited from Your Account in U.S. dollars. Mastercard\nwill convert the transaction into U.S. dollars depending on\nwhether You complete the transaction with a Mastercard\nor if the transaction is processed by a network operated\nor affiliated with Mastercard. For transactions processed\nthrough Mastercard, the exchange rate used to convert\nforeign currency transactions to U.S. dollars is either\na government-mandated exchange rate or a wholesale\nexchange rate and is selected by Mastercard. The rate\nMastercard uses for a particular transaction is the rate\nMastercard selects for the applicable currency on the day\nthe transaction is processed. The exchange rate used to\nconvert the transaction may differ from the rate Mastercard\nreceives and may differ from the rate applicable on the date\nthe transaction occurred or was posted to Your Account.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization\nof a transaction, either by us or by a third party, even if you\nhave sufficient credit available. You agree that we will not\nbe liable for failing to give an authorization. We also reserve\nthe right to limit the number of transactions that may be\napproved in one day. We reserve the right to deny certain\ntransactions for any reason and at our sole discretion,\nincluding for default, suspected fraudulent or unlawful\nactivity, internet gambling or any indication of increased\nrisk related to the transaction or the account. You agree that\n\nwe have no requirement to notify you of the specific reason\nwe denied a transaction. If we detect unusual or suspicious\nactivity, we may suspend your credit privileges until we can\nverify the activity, or we may close the account.\n9. INFORMATION\nUPDATING\nSERVICE\nAND\nAUTHORIZATIONS \xe2\x80\x94 If you have authorized a merchant\nto bill charges to your card on a recurring basis, it is your\nresponsibility to notify the merchant in the event your card is\nreplaced, your account information (such as card number or\nexpiration date) changes, or your account is closed. However,\nif your card is replaced or your account information changes,\nyou authorize us, without obligation on our part, to provide\nthe updated account information to the merchant in order to\npermit the merchant to bill recurring charges to your card.\nYou authorize us to apply such recurring charges to your card\nuntil you notify us that you have revoked authorization for the\ncharges to your card.\nYour card is automatically enrolled in an information\nupdating service. Through this service, your updated account\ninformation (such as card number or expiration date) may be\nshared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before your\nnext payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To\nrevoke your authorization allowing us to provide updated\naccount information to a merchant, please contact us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend\npreauthorized recurring charges with merchants, if, for\nexample, your card is lost or stolen, you default, or we change\nyour account for any reason. If preauthorized recurring\ncharges are suspended, you are responsible for making direct\npayment for such charges until you contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if\nyou fail to pay the Minimum Payment Due by its Payment Due\nDate; pay by a check or similar instrument that is not honored\nor that we must return because it cannot be processed; pay\nby automatic debit that is returned unpaid; make any false\nor misleading statements in any credit application or credit\nupdate; file for bankruptcy; or die. You will also be in default\nif you fail to comply with the terms of this Agreement or any\nother Agreement you have with us. You will also be in default\nif something happens that the credit union believes may\nsubstantially 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 paid,\nand any shares that were given as security for your account\nmay be applied towards what you owe.\n\nIf you default, we may close your account and require you\nto pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on your Credit Card Application,\nyou gave us a security interest in all individual or joint share\nand/or deposit accounts with SEFCU and authorized us, if\nyou defaulted, to apply the balance in these accounts to any\namounts due. You agree we may rely on your agreement and\nauthorization to, upon your default, apply any balance to any\namounts due on your account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN\nCARD NOTIFICATION \xe2\x80\x94 If you notice the loss or theft of\nyour credit card or a possible unauthorized use of your card,\nyou should write to us immediately at Customer Service, PO\nBox 31535, Tampa, FL 33631. World cardholders can call\n(855) 594-3246 to report the loss, theft, or unauthorized\nuse of your card as well as for customer service. (If you are\noutside the United States, call collect at (727) 227-1428.)\nOther cardholders can call (866) 839-3485 to report the\nloss, theft, or unauthorized use of your card. (If you are\noutside the United States, call collect at (727) 570-4881.)\nYou will not be liable for any unauthorized use that occurs\nafter you notify us of the loss, theft or possible unauthorized\nuse. You may, however, be liable for unauthorized use that\noccurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss\nor theft and, upon discovering the loss or theft promptly\nreport the loss or theft to us, you will not be liable for any\nunauthorized transactions. In any case, your liability for\nunauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As\npermitted by law, SEFCU may change the terms of this\nAgreement and any attached Disclosure from time to time.\nNotice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to\nthe Agreement may apply to your existing account balance as\nwell as to future transactions. You are also responsible for all\ntransactions posted on your account after termination, unless\nthe transactions were unauthorized. If this is a joint account,\nthe paragraph on JOINT ACCOUNTS of this Agreement also\napplies to termination of the account.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada,\nTexas, Washington, and Wisconsin Residents. Either you,\nyour spouse or SEFCU may terminate this Agreement at any\ntime SEFCU may terminate this Agreement upon reevaluation\nof your creditworthiness, upon failure to satisfy the terms\nof this Agreement, or by our option with good cause, as\npermitted by law. You may terminate this Agreement at any\ntime by giving us written notice at our address listed on\nthis Agreement. However, termination by you, your spouse\nor SEFCU will not affect your obligation to pay the account\nbalance plus any finance and other charges you or your\nspouse owe under this Agreement. Your obligation to pay\nthe account balance plus any finance and other charges you\nowe under this Agreement are subject to all applicable laws\n\nand regulations regarding repayment requirements. The card\nor cards you receive remain the property of SEFCU and you\nmust recover and surrender to SEFCU all cards upon request\nor upon termination of this Agreement whether by you or\nSEFCU.\nResidents of all other states. Either you or SEFCU may\nterminate this Agreement at any time. SEFCU may terminate\nthis Agreement upon reevaluation of your creditworthiness,\nupon failure to satisfy the terms of this Agreement, or by\nour option with good cause, as permitted by law. You may\nterminate this Agreement at any time by giving us written\nnotice at our address listed on this Agreement. However,\ntermination by you or SEFCU will not affect your obligation to\npay the account balance plus any finance and other charges\nyou owe under this Agreement. Your obligation to pay the\naccount balance plus any finance and other charges you owe\nunder this Agreement are subject to all applicable laws and\nregulations regarding repayment requirements. The card or\ncards you receive remain the property of SEFCU and you\nmust recover and surrender to SEFCU all cards upon request\nor upon termination of this Agreement whether by you or\nSEFCU.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue\nadditional cards for authorized users that you designate. You\nmust notify us in writing of any termination of an authorized\nuser\xe2\x80\x99s right to access your account. Your notice must include\nthe name of the authorized user and your account number\nand/or any subaccount number issued to the authorized user\nalong with the authorized user\xe2\x80\x99s card and any convenience\nchecks issued to the authorized user. If you cannot return\nthe authorized user\xe2\x80\x99s card or convenience checks and if you\nrequest your account to be closed, we will close your account\nand you may apply for a new account. Alternatively, we may,\nat our sole discretion, issue you a new account number and\na new card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE\nINFORMATION \xe2\x80\x94 You authorize SEFCU to obtain credit\nreports and any other information we may need to verify\nyour identity and use of the account when opening your\naccount and for any update, increase, renewal, extension,\ncollection or review of your account. You authorize SEFCU\nto disclose information regarding your account to credit\nbureaus, merchants and creditors who inquire about your\ncredit standing. We may report information about your\naccount to credit bureaus. Late payments, missed payments,\nor other defaults on your account may be reflected on your\ncredit report. If your account is eligible for emergency cash\nand/or emergency card services, and you request such\nservices, you agree that we may provide personal information\nabout you and your account that is necessary to provide you\nwith the requested services(s).\n\nPage 3\n\nPage 4\n\nPage 5\n\nPage 6\n\nPage 7\n\nPage 8\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nSEFCU LIGHTNING CREDIT CARD C\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n16.24%\nThis APR will vary with the market based on the Prime Rate.\n16.24%\nThis APR will vary with the market based on the Prime Rate.\n17.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003576\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 16.24% which is a monthly periodic rate of 1.3533%.\nThe Balance Transfer APR is 16.24% which is a monthly periodic rate of 1.3533%.\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 12.99% above the Index.\nBalance Transfers will be charged at 12.99% above the Index.\nCash Advances will be charged at 14.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003576\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'