b'CREDIT CARD ACCOUNT\nAGREEMENT AND DISCLOSURE\n\nAccount Number\n\nN/A\n\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE\nSTATEMENTS, REWARDS VISA, SHARE SECURED VISA AND PLATINUM VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS\nREGARDING THE USE OF YOUR REWARDS VISA, SHARE SECURED VISA AND PLATINUM VISA CREDIT CARDS, AND/OR ANY\nOTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF\nANY PARTS ARE UNCLEAR.\n\nReceived by Member(s)\n\nN/A\n\nInitial\n\nMailed to Member(s)\nInitial\n\nDate\n\nN/A\n\nStaff Initial\n\nDate\n\nInterest Rate and Interest Charges\n\n9.99-18.99 %\nShare Secured VISA: 11.99%\nPlatinum VISA: 8.99-17.99%\n\nAnnual Percentage Rate (APR)\nFor Purchases\n\nRewards VISA:\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\nRewards VISA:\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nRewards VISA: 9.99-18.99%\n\n9.99-18.99%\nShare Secured VISA: 11.99 %\nPlatinum VISA: 8.99-17.99%\nShare Secured VISA: 11.99%\nPlatinum VISA: 8 .99-17.99%\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed\neach month within 28 days of Your statement closing date. We will begin charging\ninterest on cash advances and balance 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, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\n.\n\nForeign Transaction\n\n1.00\n1.00\n\n% of each foreign currency transaction in U.S. dollars.\n% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\n.\n.\n\nReturned Payment\nLate Charge\n\nUp to $35.00\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nYour Account Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean PARKSIDE CREDIT UNION. The words "You" and "Your" mean\neach person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any Rewards\nVISA, Share Secured VISA or Platinum VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Rewards VISA,\nShare Secured VISA or Platinum VISA Credit Card Account established for You under this Agreement. "Convenience Checks" mean the special Account\naccess devices that We may provide for Your use from time to time.\nPROMISE TO PAY. You understand that the following terms and conditions found herein constitute Our Agreement with You. You may request advances on\nYour Account through a variety of means which could include (but may not be limited to) advance request forms, vouchers, checks, charge slips, Convenience\nChecks, Credit Cards, and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by\nYou or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other\nfees or charges described herein.\nCopyright Oak Tree Business Systems, Inc., 2010-2016. All Rights Reserved.\n\nPage 1 of 3\n\nOTBS 016CC PARK (9/16)\n\n\x0cAccount\nFeature Categories\n\nMonthly\nPeriodic Rate\n\nAnnual\nPercentage Rate\n\nRewards VISA\n\n0.83250000 - 1.58250000\n\n9.99% - 18.99%\n\nShare Secured VISA\n\n0.99916666\n\n11.99%\n\nPlatinum VISA\n\n0.74916666 - 1.49916666\n\n8.99% - 17.99%\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in\nany place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including,\nbut not limited to, advances made for the purpose of gambling and/or\nwagering where such practices are in violation of applicable state and/or\nfederal law.\n\nmultiplying the average daily balance subject to a Finance Charge by the\nMonthly Periodic Rate.\n\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 28 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash\nSECURITY. Collateral (other than household goods or any dwelling) given as advances and balance transfers are always subject to a Finance Charge from the\nsecurity under this Agreement or for any other loan You may have with Us will later of the date they are posted to Your Account or from the first day of the\nsecure all amounts You owe Us now and in the future if that status is billing cycle in which the transaction is posted to Your Account.\n\nreflected in the "Truth-in-Lending Disclosure" in any particular Agreement\nevidencing such debt.\nLATE CHARGE. If Your payment is more than 10 days late, You will be charged\nthe lesser of: (a) the amount of the minimum payment due; or (b) $35.00.\n\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your\nshares with Us (except for IRA and Keogh accounts) and any dividends due or OTHER FEES AND CHARGES. You will be charged the following fees associated\nto become due to You from Us to the extent You owe on any unpaid Credit with the use of Your Card: (a) $20.00 for each replacement Card You request;\nCard balance.\n(b) $5.00 for each pin reissue You request; and (c) the lesser of $35.00 for any\nACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured\nVISA Account, You agree to give Us a specific pledge of shares which will\nequal Your Credit Limit. In the event that You default on Your Share Secured\nVISA Account, We may apply these shares toward the repayment of any\namount owed on such Account. You may cancel Your Share Secured VISA\nAccount at any time by paying any amounts owed on Your Account. To be\ncertain that Your entire balance and all advances are paid, any shares pledged\nmay not be available to You for 30 days after You have cancelled and any\noutstanding balance is paid in full.\n\ncheck (or other negotiable instrument used for payment) which is returned\nunpaid, or the required minimum payment amount for the returned payment.\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and\nborrowed since Your last statement. We will mail You a statement each billing\ncycle in which there is a debit or credit balance or when a Finance Charge is\nimposed. We need not send You a statement if We feel Your Account is\nuncollectible or if We have started collection proceedings against You because\nYou defaulted. EACH STATEMENT IS DEEMED TO BE A CORRECT\nSTATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\nwhich You are approved. Unless You are in default, any Credit Limits\nestablished for You will generally be self- replenishing as You make payments.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no\nobligation to honor Your Convenience Checks if: (1) by paying a Convenience\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience\nwill pay any amount over Your Credit Limit on Our demand whether or not We Checks have been reported lost or stolen; (3) Your Account has been\nauthorize the advances which caused You to exceed Your Credit Limit. Even if cancelled or has expired. If a postdated Convenience Check is paid and, as a\nYour unpaid balance is less than Your Credit Limit, You will have no credit result, any other Convenience Check is returned unpaid, We are not\navailable during any time that any aspect of Your Account is in default.\nresponsible for any resulting loss or liability.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You\nunderstand that any such Account access device(s) will be mailed only to the\nprimary Borrower at the address that We have on file for You. We may refuse\nto follow any instructions which run counter to this provision.\n\nDEFAULT. You will be in default if: (a) You do not make any payment or\nperform any obligation under this Agreement, or any other agreement that You\nmay have with Us; or (b) You should die, become involved in any insolvency,\nreceivership or custodial proceeding brought by or against You; or (c) You\nhave made a false or misleading statement in Your credit application and/or in\nYour representations to Us while You owe money on Your Account; or (d) A\njudgment or tax lien should be filed against You or any attachment or\ngarnishment should be issued against any of Your property or rights,\nspecifically including anyone starting an action or proceeding to seize any of\nYour funds on deposit with Us; and/or (e) We should, in good faith, believe\nYour ability to repay Your indebtedness hereunder is or soon will be impaired,\ntime being of the very essence.\n\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the\nright to repay at any time without penalty. You also understand that You will\nonly be charged periodic Finance Charges to the date You repay Your entire\nbalance. You may make larger payments without penalty. Any partial payment\nor prepayment will not delay Your next scheduled payment. All payments to\nUs must be in lawful money of the United States. Except as required by law, Upon any occurrence of default, We may, to the extent permitted by law,\nthe order in which We may apply payments is at Our discretion.\ncancel Your rights under this Agreement, require the return of all access\ndevices and declare the entire balance of Your Account immediately due and\nAny unpaid portion of the Finance Charge will be paid by subsequent payable, without prior notice or demand.\npayments and will not be added to Your principal balance. You understand that\nany delay in the repayment of Your unpaid balance will increase Your periodic COLLECTION COSTS. In the event collection efforts are required to obtain\nFinance Charges and any acceleration in the repayment of Your unpaid balance payment on this Account, to the extent permitted by law, You agree to pay all\nwill decrease Your periodic Finance Charges.\ncourt costs, private process server fees, investigation fees or other costs\nincurred in collection and actual attorneys\' fees incurred in the course of\nMinimum Payments will be an amount equal to 3.00% of Your new unpaid collecting any amounts owed under this Agreement or in the recovery of\nAccount balance at the end of each billing cycle, subject to the lesser of any Collateral.\n$35.00 or Your balance, plus any portion of the Minimum Payments shown on\nprior statement(s) which remains unpaid, plus any amount that exceeds Your ENFORCEMENT. We do not lose Our rights under this or any related\nagreement if We delay enforcing them. We can accept late payments, partial\napproved Credit Limit.\npayments or any other payments, even if they are marked "paid in full"\nYou may, by separate agreement, authorize Us to charge Your payment without losing any of Our rights under this Agreement. If any provision of this\nor any related agreement is determined to be unenforceable or invalid, all other\ndirectly to Your share or checking account.\nprovisions remain in full force and effect.\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You\ntransactions balances outstanding during the month (including new move or otherwise have a change of address.\ntransactions). To get the average daily balance, We take the beginning balance\neach day, add any new purchases, balance transfers, cash advances, debit CHANGE IN TERMS. We may change the terms of this Agreement by mailing\nadjustments or other charges and subtract any payments, credits and unpaid or delivering to You written notice of the changes as prescribed by the Federal\nFinance Charges. This gives Us the daily balance. Then, We add up all the Truth-In-Lending Act. To the extent permitted by law, the right to change the\ndaily balances for the billing cycle and divide them by the number of days in terms of this Agreement includes, but is not limited to, the right to change the\nthe billing cycle. The Finance Charge for a billing cycle is computed by periodic rate applicable to Your unpaid balance and/or future advances.\nCopyright Oak Tree Business Systems, Inc., 2010-2016. All Rights Reserved.\n\nPage 2 of 3\n\nOTBS 016CC PARK (9/16)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nDEBT PROTECTION. Debt protection is not required for any extension of credit\nunder this Agreement. However, You may purchase any debt protection\navailable through Us and have the costs added to Your outstanding balance. If This notice tells You about Your rights and Our responsibilities under the Fair\nYou elect to do so, You will be given the necessary disclosures and Credit Billing Act.\ndocuments separately.\nWhat To Do If You Find A Mistake On Your Statement\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with If You think there is an error on Your statement, write to Us at 1747\nthis Agreement or at a later date becomes an integrated part of this S. Newburgh Road, Westland, MI 48186. In Your letter, give us the\nAgreement and Disclosure.\nfollowing information:\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any\nAccount access device; or by authorizing another to use Your Account, You\nagree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertaining\nto Your employment, credit standing and financial responsibility in accordance\nwith applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account to\nconsumer credit reporting agencies, a prospective employer or insurer, or a\nstate or federal licensing agency having any apparent legitimate business need\nfor such information.\n\n.\n\n.\n.\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\nwhat You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\n.\n.\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if\nYou want 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\nYou do We are not required to investigate any potential errors and You may\nhave to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nTERMINATION. Either You or We may cancel Your Account at any time,\nwhether or not You are in default. You will, in any case, remain liable to pay When We receive Your letter, We must do two things:\nany unpaid balances according to the terms of Your Account.\n1) Within 30 days of receiving Your letter, We must tell You that We received\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nYour letter. We will also tell You if We have already corrected the error.\nany time without notice. You agree to surrender Your Card and to discontinue 2) Within 90 days of receiving Your letter, We must either correct the error or\nits use immediately upon Our request.\nexplain to You why We believe the bill is correct.\n\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue a While We investigate whether or not there has been an error:\nPersonal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed . We cannot try to collect the amount in question, or report You as\nto anyone. You may use Your PIN to access Your Account and all sums\ndelinquent on that amount.\nadvanced will be added to Your Account balance. In the event a use of Your .\nThe charge in question may remain on Your statement, and We may\nPIN constitutes an Electronic Fund Transfer, the terms and conditions of Your\nto charge You interest on that amount.\nElectronic Fund Transfer Agreement may also affect Your rights.\n. continue\nWhile You do not have to pay the amount in question, You are responsible\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or . for the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\nother slips You may sign or receive when using Your Card contain terms, this\nAgreement is the contract which solely applies to all transactions involving\nAfter We finish Our investigation, one of two things will happen:\nthe Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your\nCard. You will not be liable for the unauthorized use that occurs after You\nnotify Us of the loss, theft, or possible unauthorized use by calling Us at\n(734) 293-2021 within Michigan or (888) 203-3381 outside Michigan, or by\nwriting to Us at 1747 S. Newburgh Road, Westland, MI 48186. In any case,\nYour liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable\nfor the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\n\n.\n.\n\nIf We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\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\nstatement of the amount You owe and the date payment is due. We may\nthen report You as delinquent if You do not pay the amount We think\nYou owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom we\nreported You as delinquent, and We must let those organizations know when\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the the matter has been settled between Us. If We do not follow all of the rules\nexchange rate between the transaction currency and the billing currency (U.S. above, You do not have to pay the first $50.00 of the amount You question\ndollars) will be: (a) a rate selected by VISA from the range of rates available in even if Your bill is correct.\nwholesale currency markets for the applicable central processing date, which\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nrate may vary from the rate VISA itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date. In each\nIf You are dissatisfied with the goods or services that You have purchased\ninstance, plus or minus any adjustment determined by the Credit Union.\n\nwith Your Credit Card, and You have tried in good faith to correct the problem\nTRANSACTION SLIPS. Your monthly statement will identify that merchant, with the merchant, You may have the right not to pay the remaining amount\nelectronic terminal or financial institution at which transactions were made, due on the purchase. To use this right, all of the following must be true:\nbut sales, cash advances, credit or other slips cannot be returned with\n1) The purchase must have been made in Your home state or within 100\nthe statement.\nmiles of Your current mailing address, and the purchase price must have\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nbeen more than $50.00. (Note: Neither of these are necessary if Your\nCards or Convenience Checks, You will immediately call Us at (734)\npurchase was based on an advertisement We mailed to You, or if We own\n293-2021 (Michigan Calls), or (888) 203-3381 during business hours, or\nthe company that sold You the goods or services.)\n(866) 333-4740 after business hours or write to Us at 1747 S. Newburgh 2) You must have used Your Credit Card for the purchase. Purchases made\nRoad, Westland, MI 48186.\nwith cash advances from an ATM or with a check that accesses Your\nCredit Card account do not qualify.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or 3) You must not yet have fully paid for the purchase.\nadjustments, they will do so by sending Us a slip which will be posted to\nYour Account. If Your credits and payments exceed what You owe Us, We If all of the criteria above are met and You are still dissatisfied with\nwill hold and apply this credit against future purchases and cash advances, or the purchase, contact Us in writing at 1747 S. Newburgh Road, Westland,\nif it is $1.00 or more refund it on Your written request or automatically MI 48186.\ndeposit it to Your share account after six months.\nWhile We investigate, the same rules apply to the disputed amount as\nGOVERNING LAW. This Agreement is controlled and governed by the laws of discussed above. After We finish Our investigation, We will tell You Our\nthe State of Michigan except to the extent that such laws are inconsistent decision. At that point, if We think You owe an amount and You do not pay,\nwith controlling federal law.\nWe may report You as delinquent.\n\nCopyright Oak Tree Business Systems, Inc., 2010-2016. All Rights Reserved.\n\nPage 3 of 3\n\nOTBS 016CC PARK (9/16)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\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 Apple 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 refers\nto 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, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a balance transfer. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04502229-MXC30-C-1-072519 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nVisa Signature Rewards - For each billing period, You must pay at least the Minimum Payment Due by the Payment Due\nDate.\nThe Minimum Payment Due is 1.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nEducator Visa, Visa Platinum, Visa MyRewards, Student Visa, Credit Builder Visa, Mason Alumni Visa - For each\nbilling period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94\nVisa Signature Rewards, Educator Visa, Visa Platinum, Visa MyRewards, Student Visa, Mason Alumni Visa \xe2\x80\x93We\nwill begin charging You interest on new purchases on the first day of the following billing cycle. We will begin charging\nYou interest on cash advances and balance transfers on the date of the transaction or the first day of the billing cycle in\nwhich the transaction is posted to Your Account, whichever is later (transaction date). However, We will not charge You\nany interest on new purchases if You paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by the\nPayment Due Date of that statement. To avoid an additional finance charge on the balance of purchases, You must pay\nthe entire new balance on the billing statement by the Payment Due Date of that statement.\nCredit Builder Visa - We will begin charging You interest on purchases on the date the transaction is posted to Your\nAccount. We will begin charging You interest on cash advances and balance transfers on the date of the transaction or\nthe first day of the billing cycle in which the transaction is posted to Your Account, whichever is later. The date upon which\ninterest begins to accrue for any transaction will be referred to as the \xe2\x80\x9ctransaction date.\xe2\x80\x9d\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 (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\nPage 2 of 6\n04502229-MXC30-C-1-072519 (MXC303-E)\n\n\x0c6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 1200\nFairfax, Fairfax, VA, 22038 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nPage 3 of 6\n04502229-MXC30-C-1-072519 (MXC303-E)\n\n\x0cor 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.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. 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.\n\nPage 4 of 6\n04502229-MXC30-C-1-072519 (MXC303-E)\n\n\x0c27. 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.\n\nPage 5 of 6\n04502229-MXC30-C-1-072519 (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 6 of 6\n04502229-MXC30-C-1-072519 (MXC303-E)\n\n\x0c'


b'A table\nthat\nincludes\nrequired\ncredit\ncard disclosures\nis provided\nwith this\nApplication.\nTo obtain any change in the\nrequired\ninformation\nsince it was printed,\ncall us at (303) 763-2555 or write to us at the\naddress stated on this Application.\n\nFCI FEDERAL CREDIT UNION\nPO Box 620092\nLittleton, CO 80162-0092\n(303) 763-2555\nFax: (303) 763-2559\nwww.fcifcu.org\n\nCheck below to indicate the type of credit for which you are applying.\n\nMarried\n\nVISA\nCredit Card Application\n\nApplicants\n\nmay apply for a separate\n\naccount.\n\no Individual\n\nCredit: You must complete the Applicant section about yourself and the Other section about your spouse if: (1) you live in or the property\npledged as collateral is located in a community property state (AK, AZ, CA, 10, LA, NM, NV, TX, WA, WI); (2) your spouse will use the account; or\n(3) you are relying on your spouse\'s income as a basis for repayment. If you are relying on income from alimony, child support, or separate\nmaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.\nJoint Credit: Each applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the applicant, mark the\nCo-Applicant box.\nGuarantor: Complete the Other section if you are a guarantor on an account/loan .\n\no\n\n\xe2\x80\xa2\nDRIVER\'S LICENSE NUMBER / STATE\n\nDRIVER\'S LICENSE NUMBER / STATE\n\nE\xc2\xb7MAIL ADDRESS\n\nE\xc2\xb7MAIL ADDRESS\n\nBIRTH DATE\n\nHOME PHONE\n(\n\nPRESENT ADDRESS (Street\xc2\xb7\n\nBUSINESS PHONE! EXT.\n\nBIRTH DATE\n\n)\n\n(\n\ncav-\n\nStata- Zip)\n\n)\n\nMORTGAGE/RENT OWED TO:\n\nMONTHLY PAYMENT\n\nINTEREST RATE\n\n~$~~~~~~~$~==~==~~~~~~~~--~%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nMARRIED\nSEPARATED\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nMARRIED\nSEPARATED\n\nEmployment/Income\nNAME AND\nADDRESS OF ..\nEMPLOYER\n\nBUSINESS PHONE! EXT.\n\nPRESENT ADDRESS (Street\xc2\xb7 City\xc2\xb7 State\xc2\xb7 Zip)\n\nMORTGAGE/RENT OWED TO:\n\nMORTGAGE BALANCE\n\nHOME PHONE\n\nEmployment/Income\nNAME AND\nADDRESS OF\nEMPLOYER\n\n...........\n\n.\n\nNOTICE: ALIMONY, CHILO SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED\nIF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED\nIF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nEMPLOYMENT INCOME\n\nEMPLOYMENT INCOME\n\nOTHER INCOME\n\n$\n\nPER\n\n_\n\n_\n\nSOURCE\n\n~~\n\n__\n\nPER\n\nOTHER INCOME\n_\n\nGROSS\n\nOHIO RESIDENTS ONLY: The Ohio laws against\n,!,,}~o~:icE~sIjllJdiscrimination require that all creditors make\n1---\' credit\nequally available to all creditworthy\ncustomers, and that credit reporting agencies maintain separate credit\nhistories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nWISCONSIN RESIDENTS ONLY: (1) No provision of any marital property\nagreement, unilateral statement under Section 766,59, or court decree under\n\n$\n\nPER\n\n_\n\nSOURCE\n\nSection 766.70 will adversely affect the rights of the Credit Union unless the\nCredit Union is fumished a copy.ot the agreement, statement or decree, or\nhas actual knowledge of its terms, before the credit is granted or the account\nis opened, (2) Please sign if you are not applying for this account or loan with\nyour spouse. The credit being applied for, if granted, will be incurred in the\ninterest of the marriage or family of the undersigned,\n\nIx\nSIGNATURE FOR WISCONSIN RESIDENTS ONLY\n\nDATE\n\nSignatures\n\n1. You promise that everything you have stated in this application is\ncorrect to the best of your knowledge. If there are any important changes\nyou will notify us in writing immediately, You authorize the Credit Union\nto obtain credit reports in connection with this application for credit and\nfor any update, increase, renewal, extension, or collection of the credit\nreceived. You understand that the Credit Union will rely on the information\nin this application and your credit report to make its decision. If you\nrequest, the Credit Union will tell you the name and address of any credit\nbureau from which it received a credit report on you. It is a federal crime\nto willfully and deliberately provide incomplete or incorrect information on\nloan applications made to federal credit unions or state chartered credit\n\nunions insured by NCUA,\n2. You understand that the use of your card will constitute\nacknowledgment of receipt and agreement to the terms of the credit\ncard agreement and disclosures. You grant us a security interest in\nall individual and joint share and/or deposit accounts you have with\nus now and in the future to secure your credit card account. When you\nare in default, you authorize us to apply the balance in these accounts\nto any amounts due. Shares and deposits in an Individual Retirement\nAccount, and any other account that would lose special tax treatment\nunder state or federal law if given as security, are not subject to the\nsecurity interest you have given in your shares and deposits.\n\nI~IX\n=====~(S~EAL)==:;;!,IIIIX\nAPPLICANT\'S SIGNATURE\n\nDATE\n\nOTHER SIGNATURE\n\nII\n\n(SEAL)\n\nDATE\n\n\x0cu,\nVISA\n\nFCI FEDERAL CREDIT UNION\nPO Box 620092\nLittleton, CO 80162-0092\n(303) 763-2555\nFax: (303) 763-2559\nwww.fcifcu.org\n\nVISA CLASSIC\nApplication and Solicitation Disclosure\n\n\'\'i;\'\'\n\nInt:erest Rates ancilnterest\nAnnual Percentage\nPurchases\n\n""s\n\nRate (APR) for\n\nCharges\n\n@\n\n@!\'\n\n!qil~\n\nif:\n\n11.90%\n\nAPR for Cash Advances\n\n11.90%\n\nAPR for Balance Transfers\n\n11.90%\n\nPenalty APR and When it Applies\n\nNone\n\nMinimum\n\nNone\n\nInterest Charge\n\n\'it\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle,\nWe do not charge you interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips from the Federal\nReserve Board\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the Web site of the Federal Reserve Board at\nhttp://www.federalreserve.gov/creditcard.\n",.\n\n~\n\nI)\n\nc\n\ns\nFeE;\'s\n\nrlf\'\n\n",,,\n"!\n\n\'1"",,,\n\nSet-up and Maintenance Fees\n\xe2\x80\xa2 Annual Fee\n\xe2\x80\xa2 Account Maintenance Fee on Closed\nAccounts\n\nIf",\n\n!\'\n\nNone\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2 Foreign Transaction Fee\n\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2 Over-the-Credit Limit Fee\n\xe2\x80\xa2 Returned Payment Fee\n\nNone\nNone\n$15.00\n\nHow We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."\nEffective Date. The information about the costs of the card described in this application is accurate as of\nDecember 30, 2009. This information may have changed after that date. To find out what may have changed,\ncontact the Credit Union.\nOTHER DISCLOSURES\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Recovery Fee\nPay By Phone Fee\nCard Replacement Fee\nPIN Replacement Fee\nFedEx Fee\n\nNone\n$12.00\n$25.00\n$150.00\n$65.00\n$5.00\n$15.00 per card\n$3.00\n$30.00\n\n\x0cPlease return completed\nApplication to the address\nbelow in a stamped envelope.\nCut off the Application and\nSolicitation Disclosure\nand retain for your records.\n\nFCI FEDERAL CREDIT UNION\nPO BOX 620092\nLITTLETON CO 80162-0092\n\nCredit Caid""\'-\'!!i"~\nApplication\n\nFCI FEDERAL CREDIT UNION\nPO Box 620092\nLittleton, CO 80162-0092\n(303) 763-2555\nFax: (303) 763-2559\nwww.fcifcu.org\n\n1-1V2DYAOO\n\n\xc2\xa9 CUNA MUTUAL GROUP, 2009,\nALL RIGHTS RESERVED\n\nCCMOOO\nAXC100\n\n\x0c'


b'Rates and Fees Table for Card Services Visa Accounts\nPLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.\nSee the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more\ndetailed information. This information is accurate as of May 1, 2020.\nInterest Rates and Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n11.99% to 21.99% based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate. This APR will not exceed 32.00%. Introductory\nAPRs with varying durations may be available on some accounts.\n\nAPR for Cash Advances\n\n24.99%. This APR will vary with the market based on the Prime Rate. The APR will\nnot exceed 32.00%.\n\nAPR for Balance Transfers\n\nIntroductory APR may be available for the first 12 billing cycles for balances\ntransferred within 60 days from account opening. After the first 12 billing cycles, and\nfor Balance Transfers made more than 60 days from account opening, 11.99% to\n21.99% (based on your credit worthiness) if your Balance Transfer is treated as a\nPurchase, or 24.99% if your Balance Transfer is treated as a Cash Advance. These\nAPRs will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not\ncharge you interest on Purchases if you pay your entire balance by the due date each\nmonth. Generally, we will begin charging interest on Cash Advances and Balance\nTransfers on the transaction date.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nIf you are charged interest, the charge will be no less than $0.50.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\nThree percent (3%) of the amount of the Balance Transfer, with a $15 minimum and\nno maximum.\n\n\xe2\x80\xa2\n\nCash Advance\n\nThree percent (3%) of the amount of the Cash Advance, with a $15 minimum and a\n$50 maximum.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nTwo percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase.\n\n\xe2\x80\xa2\n\nOverdraft Protection\n\nThree percent (3%) of the amount of the Overdraft Advance, with a $10 minimum\nand a $25 maximum.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $38\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $38\n\n\xe2\x80\xa2\n\nOver the Credit Limit\n\nNone\n\nHow We Will Calculate Your Balance: We use a method called the \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nHow We Determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall Street Journal Money\nRates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Purchases and Cash Advances will not exceed 32.00%.\nMargin: We will add 9.74% to 18.74% to the Prime Rate to determine the APR for Purchases. We will add 21.74% to the Prime Rate to determine the APR for Cash Advances.\nCardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement and the Account will be\ngoverned by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that apply to your Account, as authorized by Missouri\nRevised Statutes Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms, upon notice to cardholder and subject to the provisions\nof applicable law.\nNotice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the independent ability to make the\nrequired payments on your account, or unless you provide a guarantor or cosigner. The guarantor or cosigner must be acceptable to us and must sign our form of guaranty agreement.\nImportant Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain information about you\nwhile processing your Account application. Please talk with a Bank representative if you have questions.\nState Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the Wisconsin Marital Property Law or court decree will\nadversely affect our interests unless, prior to the time credit is granted, we are given a copy of the agreement, statement, or decree or we have actual knowledge of the adverse provision. (2) CALIFORNIA\nRESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2) may be liable for amounts extended under the\nplan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your\ncredit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may contact the New York State\nDepartment of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting\nhttps://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK AND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the\naccount or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If\nso, you will be given the name and address of the consumer reporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess of those permitted by law will be\ncharged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.\nImportant: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of May 1, 2020, the date this document was printed. This information may have\nchanged after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.\n\n\x0c'


b'Rates and Fees Table for UMB Visa Accounts with a Fixed APR for Purchases\nPLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.\nSee the Cardholder Agreement and Important Cost Information disclosure that was provided for your Account for more\ndetailed information. This information is accurate as of May 1, 2020.\nInterest Rates and Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n18.00%\n\nAPR for Cash Advances\n\n24.99%. This APR will vary with the market based on the Prime Rate. The APR will\nnot exceed 32.00%.\n\nAPR for Balance Transfers\n\n18.00% if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance\nTransfer is treated as a Cash Advance. When the Balance Transfer is treated as a\nCash Advance, the APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not\ncharge you interest on Purchases if you pay your entire balance by the due date each\nmonth. Generally, we will begin charging interest on Cash Advances and Balance\nTransfers on the transaction date.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\n\nIf you are charged interest, the charge will be no less than $0.50.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://consumerfinance.gov/learnmore.\n\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\nThree percent (3%) of the amount of the Balance Transfer, with a $15 minimum and\nno maximum.\n\n\xe2\x80\xa2\n\nCash Advance\n\nThree percent (3%) of the amount of the Cash Advance, with a $15 minimum and a\n$50 maximum.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nTwo percent (2%) of the U. S. dollar amount of each Cash Advance or Purchase.\n\n\xe2\x80\xa2\n\nOverdraft Protection\n\nThree percent (3%) of the amount of the Overdraft Advance, with a $10 minimum\nand a $25 maximum.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $38\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $38\n\n\xe2\x80\xa2\n\nOver the Credit Limit\n\nNone\n\nHow We Will Calculate Your Balance: We use a method called the \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nHow We Determine APRs: The Cash Advance APR is determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall Street Journal Money\nRates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Cash Advances will not exceed 32.00%.\nMargin: We will add 21.74% to the Prime Rate to determine the APR for Cash Advances.\nCardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement and the\nAccount will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that apply to your\nAccount, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and other credit terms,\nupon notice to cardholder and subject to the provisions of applicable law.\nNotice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the independent ability to make the\nrequired payments on your account, or unless you provide a guarantor or cosigner. The guarantor or cosigner must be acceptable to us and must sign our form of guaranty agreement.\nImportant Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain information about you\nwhile processing your Account application. Please talk with a Bank representative if you have questions.\n\nState Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the Wisconsin Marital Property Law or\ncourt decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of the agreement, statement, or decree or we have actual knowledge of the adverse\nprovision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2)\nmay be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to\na credit reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to\nall credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this\nlaw. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit\ncard rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money/credit_card_terms_and_fees (5) NEW YORK\nAND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to\nreviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer\nreporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from\nmonth to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.\nImportant: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of May 1, 2020, the date this document was printed. This\ninformation may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri\n64141-6734.\n\n\x0c'