b'IMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\nAugust 2020\naccurate as of _______________.\nYou can contact us at (602) 631-3200, toll free at (800) 621-0287, or the address on page 1,\nto inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\n\nMasterCard Platinum Rewards\n\nMasterCard Platinum\n\nAnnual Percentage Rate (APR)\nfor Purchases & Balance\nTransfers\n\n11.49% to 20.49%\n\n8.49% to 17.49%\n\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\nAPR for Cash Advances\n\n11.49% to 20.49% depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\n8.49% to 17.49% depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases if you pay your entire new purchase balance by the\ndue date each month. We will begin charging interest on cash advances and balance\ntransfers on the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer 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:\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\nNone\n\n\xe2\x80\xa2 Cash Advance:\n\n2.00% of the amount of each cash advance\n\n\xe2\x80\xa2 Foreign Transaction:\n\n2.00% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\nUp to $28.00 the first time your payment is late 2 days or more (fee will not exceed\npayment if payment due is under $28.00). If you make a subsequent late payment\nwithin the following 6 billing cycles, you will be charged up to $39.00 for each late\npayment (fee will not exceed payment if payment due is under $39.00).\n\n\xe2\x80\xa2 Over-the-Credit Limit:\n\nNone\n\n\xe2\x80\xa2 Returned Payment:\n\nUp to $28.00 the first time your payment is returned for any reason (fee will not exceed\npayment if payment due is under $28.00). If a subsequent payment is returned for any\nreason within the following 6 billing cycles, you will be charged up to $35.00 for each\nreturned payment (fee will not exceed payment if payment due is under $35.00).\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n9013 LASER CRIF FI16871 Rev 8-2020\n\npage 3 of 6\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY\nCREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT\nUNION" MEANS CREDIT UNION WEST OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET\nFORTH HEREIN.\n\nCREDIT CARD AGREEMENT\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You will be assigned a credit limit and cash advance limit\non your account that we may increase or decrease from time to time. We\nbase that decision on a variety of factors such as your payment and\ntransaction history with us, and information we receive from third parties,\nincluding credit reporting agencies. You can purchase or lease goods and\nservices from any merchant who honors your Card, and you may obtain cash\nadvances from financial institutions and ATM machines that accept the Card,\nup to your maximum credit limit. You agree not to present your Card or obtain\na cash advance for any extension of credit in excess of your available credit\nlimit; however, if you do exceed your credit limit, you agree to make\nimmediate payment sufficient to bring the balance below the credit limit. If we\napprove a transaction that allows you to exceed your credit limit or your cash\nadvance limit, we do not treat it as an increase in either limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n9013 LASER CRIF FI16871 Rev 8-2020\n\nOthers Using Your Account. If you allow anyone else to use your account, you\nwill be liable for all credit extended to such persons. You promise to pay for all\npurchases and advances made by anyone you authorize to use your account,\nwhether or not you notify us that he or she will be using it. If someone else is\nauthorized to use your account and you want to end that person\'s privilege, you\nmust notify us in writing, and if he or she has a Card, you must return that Card\nwith your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled by\nus at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance\ntransfers or other advances, and subtract any payments, unpaid interest\ncharges, and unpaid late charges. This gives us the daily balance. Then, we add\nup all the daily balances for the billing cycle and divide that by the number of\ndays in the billing cycle. We then multiply that by the periodic rate corresponding\nto the Annual Percentage Rate on your account. If you have different rates for\npurchases, cash advances or balance transfers, separate average daily\nbalances for each will be calculated and the appropriate periodic rate is then\napplied to each. We consider a credit balance as a balance of zero when\ncalculating interest on that balance.\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases\nby paying the full amount of the new balance for purchases each month by the\ndate on which the payment is due. Otherwise, the new balance of your account,\nand subsequent advances from the date they are posted to the account, will be\nsubject to an Interest Charge. You cannot avoid Interest Charges on cash\nadvances and balance transfers; even if you pay the entire cash advance\nbalance or balance transfer balance by the payment due date, you will incur the\nInterest Charges accrued from the date the cash advance or balance transfer is\nposted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also pay\nany and all fees that you incur as disclosed to you on your Truth-in-Lending\nStatement or similar disclosures (as may be amended from time to time), or as\ndisclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree\nto notify us immediately if your Card is ever lost or stolen or if an unauthorized\nuse may have occurred. "Unauthorized use" means the use of the Card by\nsomeone other than you who does not have actual, implied or apparent\nauthority for such use, and from which you receive no benefit. The telephone\nnumber to call during business hours is (800) 621-0287. You agree to follow up\nyour call with notice in writing to us at: P.O. Box 7600, Glendale, AZ 853127600. You also agree to assist us in determining the facts, circumstances and\nother pertinent information relating to any loss, theft or possible unauthorized\nuse of your Card and comply with such procedures as we may require in\nconnection with our investigation. You will have no liability for MasterCard\ntransactions not authorized by you, provided that you have exercised\nreasonable care in safeguarding the Card from risk of loss or theft, and upon\nbecoming aware of such loss or theft, you promptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment is\nreceived by us on a business day at the address and by the time designated on\nthe billing statement, it will be credited to your account on the date of receipt. If\npayment is made at any location other than the address designated on the\nperiodic statement, credit for such payment may be delayed up to five (5) days.\nPayments will be applied in any order we determine, subject to applicable law. If\nyou overpay or if there is a credit balance on your account, we will not pay\ninterest on such amounts. We may reject and return any payment that creates\nor adds to a credit balance on your Account. Credits to your account, such as\nthose generated by merchants, are not treated as payments and will not reduce\nyour Total Minimum Payment Due. Some of your available line of credit may be\n\npage 4 of 6\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY\nCREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT\nUNION" MEANS CREDIT UNION WEST OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET\nFORTH HEREIN.\n\nCREDIT CARD AGREEMENT\nheld, at our discretion, until your payment is honored. Payments made in any\nbilling cycle that are greater than the Total Minimum Payment Due will not affect\nyour obligation to make the next Total Minimum Payment Due.\nRefusal of the Card. We don\xe2\x80\x99t guarantee approval of Transactions. We are not\nliable for those that aren\xe2\x80\x99t approved, even if you have enough available credit on\nyour Account. If we detect unusual or suspicious activity, we may suspend your\ncredit privileges. We may limit the number of Transactions approved in one day.\nWe may also limit the maximum purchase or cash advance amount. This\nmaximum limit may apply to single Transactions or aggregate daily amounts.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements you\nhave with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to take\nany of your funds held by us via legal process or if you have a judgment or tax\nlien filed against you; (6) if you make any false, inaccurate, or misleading\nstatements in any credit application or credit update; or (7) if we, in good faith,\nbelieve that your ability to repay what you owe is or soon will be impaired, or\nthat you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your full\naccount balance without giving you notice. If immediate payment is demanded,\nyou agree to continue paying interest charges and fees until what you owe has\nbeen paid, and any shares that were given as security for your account may be\napplied towards what you owe. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\'s fees, and any costs incurred in\nthe recovery of the Card, subject to applicable law. Even if your unpaid balance\nis less than your credit limit, you will have no credit available during any time\nthat any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause a\nloss to us. We shall not be liable to you in any regard in connection with such\nsuspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand\nthat we are not obligated to offer such services and may withdraw or change\nthem at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the amount\nindicated and post such amount as a cash advance to your account. We do not\nhave to pay any item which would cause the outstanding balance in your\naccount to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any means.\nYou authorize us to investigate your credit standing when opening or reviewing\nyour account. You authorize us to disclose information regarding your account to\ncredit bureau and creditors who inquire about your credit standing.\nForeign Transactions; Currency Conversion. Purchases and cash advances\nmade in foreign currencies will be billed to you in U.S. dollars. The conversion\nrate in dollars will be a rate selected by the card company from a range of rates\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate the card company itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date in\neach instance. All transactions processed outside of the United States (which\nmay include internet transactions) will be charged a foreign transaction fee in the\namount disclosed on your Truth-in-Lending Statement (as amended from time to\ntime).\n9013 LASER CRIF FI16871 Rev 8-2020\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request. Any credit balance we allow will\nnot be available to refund until we confirm that your payment has cleared.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of MasterCard may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 5 of 6\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-621-0287 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, 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 you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9013 LASER CRIF FI16871 Rev 8-2020\n\npage 6 of 6\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'Become a Member (/membership-benefits/become-a-member) | Apply for a Loan (/products-services/loans/online-loan-applications) | Video Library (http://www.members1st.tv) | El Poder es Tuyo \xc2\xa1Administra\ntu Dinero! (/el-poder-es-tuyo) | Locations (/contact-us/branch-atm-locator) | Careers (/about-us/careers-opportunities)\n\n(/)\nWe Put Our Members First.\n\nINVESTMENT SERVICES (https://www.members1stinvestments.com)\nMEMBERSHIP & BENEFITS (/membership-benefits)\n\nRESOURCES (/learn)\n\nPRODUCTS & SERVICES (/products-services)\n\nBUSINESS (/products-services/business-services)\n\nHOME (/)\nPRODUCTS & SERVICES (/PRODUCTS-SERVICES)\nCREDIT CARD AGREEMENT\n\nCONTACT US (/contact-us)\n\nCARD SERVICES (/PRODUCTS-SERVICES/CARD-SERVICES)\n\nApply For a Visa Credit Card (/products-services/loans/online-loan-applications)\n\nCard S\ns\n\nMembers 1st Federal Credit Union - Card Regulations\nIntroduction. This Visa Credit Card Agreement ("Agreement") and the Disclosures accompanying this Agreement will govern Your Visa Credit Card issued\nby Members 1st Federal Credit Union. By signing this Agreement, activating the Card, using the Card, or permitting someone else to use the Card, You\nagree to be bound by the terms of this Agreement.\n1. Meaning of Words. The following words have the following meanings in this Agreement and in the monthly billing statement sent hereunder:\n(a) "Agreement" means the Visa Credit Card Agreement and Disclosure furnished by us.\n(b)\n\n"We", "Us" and "Our" means Members 1st Federal Credit Union, a federally chartered credit union, with principal offices located in\nMechanicsburg, PA.\n\n(c)\n\n"You" and "Your" means each person who signs the application for the Account, is authorized to use the Account or otherwise agrees to be\nbound by the terms of this Agreement.\n\n(d) "Card" means any and all Visa Credit Cards we issue to You or to an authorized user of your Account pursuant to this Agreement.\n\n(/productsservices/cardservices/visacredit-cards)\n(/productsservices/loans/on\nloan-applications)\n\nNeed Great A\n\n(e) "Account" means your Visa Credit Card Account with us.\n(f) "Line of Credit" means the self-replenishing line of credit we make available to Your Account.\n(g) "Advance" means any credit extended on Your Account for any purchases or Cash Advances.\n(h)\n\n"Cash Advances" mean (i) any cash or credit extended on Your Account by us or by any other institution that accepts a Card, (ii) any\nwithdrawal of cash made by using a Card and personal identification number ("PIN") at an automated teller machine ("ATM") or other type of\nelectronic terminal that provides access to the Visa system, or (iii) the amount of any balances transferred to Your Account from another\ncredit card or account.\n\n2. How To Use This Account. Your Account may be used to purchase or lease goods and services ("Purchases") from a merchant by presenting\na Card or by giving a Card Account number. You must follow any reasonable and proper procedures required by those honoring the card. Your\nAccount may also be used to obtain Cash Advances.\n(a) By receiving cash or credit from financial institutions that accept a Visa Credit Card.\n(b) By making cash withdrawals with a Card at an ATM or other type of electronic terminal that provides access to the Visa system; or\n\nTo rea\n(800) 2\n(tel:+1\nContac\nFind a\nlocator\nToday\'s Rate\n\n(c) By transferring to Your Account a balance from another credit card or account.\n3. Responsibility. You agree to pay all Advances, Interest Charges and other fees or charges charged to Your Account arising from the use of a\nCard, or the Account, by You or anyone You authorize or permit to use Your Account, or a Card, even if You do not notify us that others are\nusing Your Account or a Card. Your responsibility for charges made by anyone You authorize or permit to use Your Account or Card continues\nuntil You notify us in writing at 5000 Louise Drive, P. O. Box 40, Mechanicsburg, PA 17055, and recover and destroy any Card in such person\xe2\x80\x99s\npossession. Your obligation to pay the Account balance continues regardless of the terms of any agreement, divorce decree, or other court\njudgment to which we are not a party. If more than one person signs the application for the Account, You are each jointly and severally\nresponsible for all charges on the Account. You must have an open share account with us that carries a minimum balance of $5.00.\n4. Liability for Unauthorized Use. You understand that Your total liability to us shall not exceed fifty dollars ($50) resulting from the loss, theft or\nother unauthorized use of a Card that occurs prior to the time You give notice to us provided that: You (a) provide timely notification of the loss,\n(b) agree to assist us in connection with any investigation we perform in connection with unauthorized use of the Card, and (c) complete such\nnecessary documentation as per our request.\n5. Lost Card Notification. If You believe a Card has been lost or stolen, You must immediately call us at 1(800)-283-2328 Extension 6035 during\nnormal business hours. After business hours (nights and weekends) or on holidays, lost or stolen Cards must be reported by calling 1(800)-3253678.\n6. Credit Line. If we approve Your application, we will establish a Line of Credit for You and notify You of its amount when we issue a Card. This\namount is the credit limit for the Account. Unless You have agreed to over limit services, You also agree not to let the Account balance exceed\nthis approved credit limit. Each payment You make on the Account will restore Your credit limit by the amount of the payment that is applied to\nthe principal balance owed on the Account. You may request an increase in Your credit limit, which must be approved by us in our sole\ndiscretion. We may increase Your credit limit at any time, and at our sole discretion, based on our evaluation of Your account status with only\nsuch notice as is required by applicable law. We may reduce Your credit limit or terminate this Agreement for any reasons not prohibited by\napplicable law, in our sole discretion, with only such notice as is required by applicable law. You consent to our decision to increase or not to\nincrease Your credit limit, whether such decision is made in response to Your request, or whether unilaterally made by us. You may also\nterminate this Agreement at any time, but termination by either of us does not affect Your obligation to pay the Account balance. To terminate\nthis Agreement, You must notify us in writing at 5000 Louise Drive, P. O. Box 40, Mechanicsburg, PA 17055, and recover and surrender to us\nthe Card. The Card remains our property.\n7. Credit Information. You authorize us to investigate Your credit worthiness when opening, renewing or reviewing Your Account, and You\nauthorize us to disclose information regarding Your Account, including any negative information, if applicable, to credit reporting agencies and\nother creditors who inquire of us about Your credit standing. Members 1st Federal Credit Union utilizes a performance base lending policy that\nwill determine Your Annual Percentage Rate on Your individual creditworthiness, which is outlined in Section 9, Interest Charge.\n\nCertificate\nOffer\n\nHome Equ\nFreedom\n\nVisa Balan\nTransfer\n\n*APR=Annual P\n\nS\n\n\x0c8. Payments. We will mail You a billing statement every month showing Your previous balance comprised of Purchases and Cash Advances, the\ncurrent transactions on Your Account, Your credit limit, the available credit, the new balance, the Interest Charges for the billing cycle, and the\nminimum payment required. You may receive electronic statements and make payments by enrollment online at Members1st.org. Each month\nYou must pay at least the minimum payment shown on Your statement by the payment due date shown on the statement or no later than\ntwenty-five (25) days from the statement closing date, whichever is later. If Your statement says Your payment is "Now Due," Your payment is\ndue no later than twenty-five (25) days from the statement closing date. You may pay more frequently, pay more than the minimum payment or\npay the new balance in full. If You make extra or larger payments, You are still required to make at least the minimum payment each month Your\nAccount has a balance (other than a credit balance). The minimum payment will be either i) three percent (3%) of Your new balance or\nthirty dollars ($30), whichever is greater, plus any portion of the minimum payment shown on prior statement(s) which remains\nunpaid, or ii) Your new balance, if it is less than thirty dollars ($30). Any amount by which Your new balance is over Your credit limit shall\nbe immediately due and payable, without demand. We will apply Your minimum payment amount first to any fees, then to Interest Charges on\nCash Advances, Balance Transfers and then to new Purchases, provided that payments in excess of the minimum monthly payment will be\nallocated first to higher rate balances, as applicable. We may accept checks marked "payment in full", \xe2\x80\x9caccord and satisfaction\xe2\x80\x9d or with words of\nsimilar effect without losing any of our rights to collect the full balance of Your Account, and any such words will not be binding on us. Payments\nreceived at the address on Your billing statement by 5:00 PM Eastern Time on any business day will be credited to Your Account as of that date;\npayments received by mail at that address after 5:00PM Eastern Time on a weekend will be posted to Your Account as of the next business day.\nPayment crediting Your Account may be delayed up to five days if Your payment is received by mail at any other address or not accompanied by\nthe remittance portion of Your Account statement.\n9. Interest Charge.\nAnnual Percentage Rate. The Annual Percentage Rate is variable and is determined by adding together an index and a margin. The\nindex is the Prime Rate published in the Money Rates table of the Wall Street Journal as of the last business day of each month and a\nmargin. An increase or decrease in the index will cause a corresponding change in Your Annual Percentage Rate on the first day of\nYour next new billing cycle. To determine the monthly periodic rate, we divide the Annual Percentage Rate by 12. Changes to the\nPeriodic Rate and Annual Percentage Rate will apply to the entire unpaid principal balance. The Annual Percentage Rate will not\nexceed 18.0% or the maximum allowed by law, whichever is greater. The monthly Periodic Rate is equal to one-twelfth of the APR.\nMethod A- Average Daily Balances (including New Cash Advances). An Interest Charge will be imposed on all Cash Advances\nfrom the date made or the first day of the billing cycle in which the Cash Advance is posted to Your Account whichever is later, and will\ncontinue to accrue until the date of payment. The interest charge on Cash Advances for a billing cycle is computed by applying the\nmonthly Periodic Rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances\nduring the billing cycle by the number of days in the cycle. Each daily balance is determined by taking the beginning balance of Cash\nAdvances on Your Account each day, and adding any new Cash Advances and subtracting any payments or credits that are applied to\nCash Advances but excluding any unpaid Interest Charges.\nMethod G- Average Daily Balance (Including New Credit Purchases). An Interest Charge will be imposed on Purchases only if You\nelect not to pay the entire new balance shown on Your monthly billing statement for the previous billing cycle on or before the payment\ndue date of that statement. If You elect not to pay the entire new balance shown on Your previous monthly billing statement by the\npayment due date, an Interest Charge will be imposed on the unpaid average daily balance of Purchases from the previous statement\nclosing date and on new purchases from the date of posting to Your Account during the current billing cycle and will continue to accrue\nuntil the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if\nlater than the payment due date. The Interest Charge on Purchase for a billing cycle is computed by applying the monthly Periodic Rate\nto the average daily balance of Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the\nnumber of days in the cycle. Each daily balance is determined by taking the beginning balance of Purchases on Your Account each\nday, adding any new Purchases, and subtracting any payments or credits that are applied to Purchases, but excluding any unpaid\nInterest Charges.\n10. Default. You will be in Default if You fail to make any two (2) consecutive minimum payments or other required payments by the date that it is\ndue, resulting in a delinquency status of sixty (60) days or greater. You will be in Default if You break any promise You make under this\nAgreement or any other agreement You enter into with us related to the subject of this Agreement. You will be in Default if You die, file for\nbankruptcy, or become insolvent, that is, unable to pay Your obligations when they become due. You will be in Default if You make any false or\nmisleading statements in any credit application or update of credit information. You will be in default if legal process, including a writ or order of\nattachment, levy or garnishment, is issued against any of Your property, including deposit and share accounts with us. You will also be in Default\nif something happens which we believe may substantially reduce Your ability to repay what You owe. When You are in default we can demand\nimmediate payment of the entire amount You owe under this Agreement. If immediate payment is demanded, You will continue to pay interest,\nat the applicable interest rates in effect under this agreement, until what you owe has been repaid. We can also take appropriate action as\nauthorized under the Uniform Commercial Code to repossess any and all collateral pledged to secure repayment under this Agreement. To the\nextent permitted by applicable law, You will also be required to pay our collection expenses, including court costs and reasonable attorneys\xe2\x80\x99\nfees. We can also exercise any other rights given to us by law when You are in Default. If You become sixty (60) days or more delinquent,\nDefault pricing will be initiated after the appropriate notification. Default pricing will convert all balances to an APR of 18.0% for a minimum\nperiod of six (6) months. The Default/Penalty APR will apply until You become current and make six consecutive minimum monthly payments.\nShould You the cardholder become delinquent again within that period a new six (6) month period will begin from that point in time forward.\nAfterward, without additional delinquency, Your account will revert to the previous (if applicable) performance base APR that shall be applied to\nthe Account, which is outlined within the application and in Section 9, Interest Charge.\n11. Using the Card. You may use the Card, Card Account number, expiration date, security code and/or PIN to make transactions on Your\nAccount. You will not authorize anyone else to use Your personal Card (other than users You have authorized who have been added to the\nAccount) and You will not transfer Your Card to anyone. You agree that You will not use or permit anyone to use the Card issued on this\nAccount for any transaction that is illegal under applicable federal, state or local law. Without limiting the generality of the Default\nprovisions contained elsewhere in this Agreement, You agree that illegal use of any financial service will be deemed an action of Default and/or\nbreach of contract and such a service and/or other related services may be terminated at our discretion. You further agree, should illegal use\noccur, to waive any right to sue us for such illegal use or any activity directly or indirectly related to it. Additionally, You agree to\nindemnify and hold us harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use.\nWe reserve the right to decline any transactions and or block Your account for ongoing security and risk mitigation purposes that we\nconsider fraudulent, questionable, suspicious, or illegal, as determined by us in our sole discretion, and You further understand that\nwe will not knowingly authorize charges related to online gambling.\n12. Returns and Adjustments. Merchants and others who honor a Card may give credit or returns or adjustments, and they will do so by sending\nus a credit transaction receipt, which we will post to Your Account. If Your credits and payments exceed what You owe us, we will hold and apply\nthis credit balance toward future Purchases and Cash Advances, and if the credit amount is one dollar ($1) or more, refund it on Your written\nrequest or automatically after six (6) months.\n13. Foreign Transactions. Purchases and Cash Advances made in foreign countries and foreign currencies will be billed in U.S. Dollars. The\nexchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in\neffect for the applicable central processing date. On foreign transactions You agree to pay all currency exchange charges.\n14. Merchant Disputes. We are not responsible for the refusal of any merchant or financial institution to honor a Card.\n\n\x0c15. Security Interest. If You give the Credit Union a specific pledge of shares to secure Your Account by signing a separate pledge of shares, You\ngrant Us a security interest in such pledged shares. 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. You acknowledge and agree that Your pledge does not apply during\nany periods when You are a covered borrower under the Military Lending Act. For clarity, under the Military Lending Act, You will not be deemed\nwithin a period when Your pledge will apply, if: (i) You Established Your credit card Account when You were not a covered borrower; or (ii) You\ncease to be a covered borrower.\n16. Fees and Other Charges. In addition to the periodic rate, additional fees may be imposed on Your Account, the fee amounts and explanations\nare disclosed on the Account Opening disclosure, which accompanies this Agreement, and is incorporated here in as if set forth in full.\n17. Paid Ahead Options. We may allow You, from time to time, to omit a monthly payment. We will notify You on Your monthly statement when the\noption is available. If You omit a payment, Interest Charges will accrue on Your balance in accordance with this agreement. A Paid Ahead option\ndoes not extend the period within which You must pay the new balance in order to completely avoid interest charges on purchases. A minimum\npayment will be due in the month following the month in which You omit Your payment. Depending on Your previous payment size Paid Ahead\ncould be active for a total of two (2) weeks additional payment cycles before requiring another minimum payment amount.\n18. Effective Agreement. This Agreement is a contract which applies to all transactions on Your Account, even though the receipts You sign or\nreceive for Purchases, Credits, Cash Advances or other transactions may contain different terms. We may amend this Agreement from time to\ntime by sending You written notice. As required by applicable law, we will give You written notice before the effective date of the amendment. To\nthe extent applicable law permits, and as we indicate in our notice to You, amendments will apply to Your new Account balances not existing\nbalances prior to the effective date of the amendment.\n19. Choice of Law. This Agreement shall be construed in accordance with the applicable laws of the Commonwealth of Pennsylvania and\napplicable federal laws.\n20. Dispute Resolution and Jury Trial Waiver. Any controversy, dispute or claim (\xe2\x80\x9cClaim\xe2\x80\x9d) arising out of or relating to this Agreement, Your\naccount, and/or the relationships of the parties hereto shall be exclusively resolved by the Court of Common Pleas located in Cumberland\nCounty, Pennsylvania or the United States District Court for the Middle District of Pennsylvania. THE PARTIES UNDERSTAND THAT THEY\nWOULD HAVE HAD THE RIGHT TO HAVE A JURY DECIDE THEIR CASE. HOWEVER, THEY UNDERSTAND AND CHOOSE TO WAIVE\nTRIAL BY JURY. Any Claims against the Credit Union must be brought in the respective party\xe2\x80\x99s individual capacity and not as a plaintiff or class\nmember in any purported class, collective, representative, multiple plaintiffs or similar proceeding. The Court resolving any Claims shall\ndetermine the prevailing party, and the costs and expenses of the proceeding, including all attorneys\xe2\x80\x99 fees, shall be borne by the non-prevailing\nparty, unless otherwise required by law. This mandatory dispute resolution provision shall survive the closing of Your Account and the\ntermination of this Agreement.\nRev 9/2019\nYour Credit Card 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: Members 1st Federal Credit Union, Card Services Group, P.O. Box 40, Mechanicsburg PA\n17055. In your letter, give us the following information:\nAccount Information: Your name and account number.\nDollar Amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou Must Contact Us.\nWithin sixty (60) days after the error appeared on your statement.\nAt least four (4) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\nWhat Will Happen After We Received Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within thirty (30) days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the\nerror.\n2. Within ninety (90) days of receiving your letter, we must either correct the error or explain to your why we believe the bill is correct.\nWhile We Investigate Whether or Not There Has Been an Error.\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter We Finish Our Investigation, One of Two Things Will Happen.\n1. If we made a mistake: You will not have to pay the amount in question of any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, 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 then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refused to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to\nwhom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow\nall of the rules above, you do not have to pay the first fifty dollars ($50) of the amount you question even if you bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases.\n\n\x0cIf you are dissatisfied with the with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To 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 purchase price must have\nbeen more than fifty dollars ($50). (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we\nown 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 that accesses your credit card account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we investigate, the same\nrules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nQuick Links\n\n\xef\x81\x81\n\n5000 Louise Drive, PO Box 40\nMechanicsburg, Pennsylvania 17055\n\nterms-usage)\n\n(/productsservices/electronicmobile(https://www.linkedin\nservices/mobile1stbanking)\nfcu)(https://twitter.com\n(https://www.facebook.c\n(https://www.in\n(https://mem\n\n\xc2\xb7 Pay My Loan (/products-services/loans/pay-my-loan) \xc2\xb7\n\nWe do business in accordance with\n\nATM & Branch Locations (/contact-us/branch-atm-locator) \xc2\xb7\nOur Rates (/learn/rates-center) \xc2\xb7 Loans (/products-services/loans)\n\xc2\xb7 Contact Us (/contact-us) \xc2\xb7\nCareers (/about-us/careers-opportunities) \xc2\xb7\nInternet Terms & Usage (/about-us/important-documents/internet-\n\nSecurity (/contact-us/fraud-security-center) \xc2\xb7 Privacy (/privacy)\n\xc2\xa9 2020 Members 1st FCU. All Rights Reserved.\n\n\xef\x82\x95\n\n(800) 283-2328\n\nRouting Number: 231382241\n\nthe Federal Fair Housing Law and\nEqual Credit Opportunity Act.\n(http://portal.hud.gov/hudportal/HUD)\nThis credit union is federally\ninsured by the National Credit\nUnion Administration.\n(http://www.ncua.gov/Pages/default.aspx)\n\n(http://portal.hud.gov/hudportal/HUD)\n(http://www.bankwebsiteaudits.com\n(http://www.ncua.gov/Pages/default.aspx)\n(https://sealinfo.verisign.com/splash?\nform_file=fdf/splash.fdf&type=GOLD&sealid=2&dn=\n\nMembers 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility\nand usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288 (tel:+18002377288). All\nproducts and services available on this website are available at all Members 1st branch locations (/member-branches).\n\n\x0c'


b'9/13/2021\n\nVisa Platinum Rewards | Members 1st Federal Credit Union\n\nVISA PLATINUM\xc2\xae REWARDS DISCLOSURE\n\nINTEREST RATE AND INTEREST CHARGES\n\nAnnual Percentage\nRates (APR) for\nPurchases\n\n12.00% to 18.00%,\n\nbased on your creditworthiness at the time of application. After account opening,\n\nyour APR will vary with the market based on the Prime Rate.\n\nAPR for Cash\nAdvances and\nBalance Transfers\n\nPenalty APR and\nWhen It Applies\n\n12.00% to 18.00% when you open your account, based on your creditworthiness. After account opening,\nyour APR will vary with the market based on the Prime Rate.\n\n18.00% If your account becomes 60 days delinquent. How long will the Penalty APR Apply? If your APRs\nare increased for the reason above, the Penalty APR will be applied to your balances for a minimum of six\n(6) months or payment cycles. Penalty APR will apply until you make six (6) consecutive monthly payments.\n\nHow to Avoid Paying\n\nYour due date is approximately twenty-five (25) days after the close of each billing cycle. We will not charge\n\nInterest on\n\nyou interest on purchases if you pay your entire balance by the due date each month. We will begin charging\n\nPurchases\n\ninterest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips\nfrom the Consumer\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\n\nFinancial Protection\n\nConsumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.\n\nBureau\n\nTransaction Fees\n\nAnnual Fees\n\nNone\n\nBalance Transfer\n\nNone\n\nCash Advance\n\nNone\n\nForeign Transaction\nNone\nFees\n\nATM Transaction\n\nNone\n\nPenalty Fees\n\nUp to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to\nLate Payment\nthirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.\n\nOver Limit Fee (Opt\nUp to $15.00\nIn)\n\nReturn Payment\n\n$20.00\n\nOther Fees\n\nCard Replacement\n\n$10\n\nReturned Statement\n\nYou will be charged one dollar ($1.00) for each monthly billing statement that is returned.\n\nCopies of Visa\nYou will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit,\nTransaction Receipts\nCash Advance, or of a monthly billing statement (except in connection with the resolution of a billing error).\nand Statements\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account\nagreement for further information regarding how we calculate your balance. The above rates and fees are current as of April 1, 2020.\nThe variable APRs are based on the current Prime Rate of 3.25%.\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-rewards-disclosure\n\n1/2\n\n\x0c9/13/2021\n\nVisa Platinum Rewards | Members 1st Federal Credit Union\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly\naccount statement.\n\nCash Rewards Information: Your Members 1st FCU Visa Platinum Cash Rewards card will earn 1.0% cash rewards on all new\nqualifying net purchases (less credits, returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net\npurchases at eligible grocery merchants, wholesale clubs, and gas merchants. Eligible grocery merchants and wholesale clubs are\nclassified by standard industry codes (SIC) of 5411, 5451 and 5530. Eligible gas merchants are classified by standard industry codes\n(SIC) of 5541 and 5542. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with\nthese SIC codes which will result in receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, Convenience Checks,\npurchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account\nbecome 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited. Cash\nRewards Redemption Options: Minimum redemption amount is $25.00. Cash rewards do not expire. For more information regarding\nredemption options, visit ScoreCardRewards.com.\n\nBalance Transfer: All Balance Transfer requests are determined by your available line of credit and should your request exceed that\namount it will be declined. You do have the ability to request a line of credit increase to support your request if need be. Please allow\na minimum of up to two (2) weeks for processing and receipt by the identified recipients. Members 1st FCU is not responsible for any\nfees or interest associated with the identified recipient account transfers. It is your responsibility to make all minimum payments on\nany account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if\nyou select. Balance Transfers can be credited directly to a member\xe2\x80\x99s checking or savings account. All Balance Transfers incur\ninterest charges at the disclosed APR from the time of the transaction date, not the check clearing date by the recipient.\n\nMilitary Lending APR: Effective October 1, 2017, 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 Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account). The audio version of this disclosure can\nbe heard by calling 1-800-309-1766.\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-rewards-disclosure\n\n2/2\n\n\x0c'


b'9/13/2021\n\nVisa Platinum Secured | Members 1st Federal Credit Union\n\nVISA PLATINUM\xc2\xae SECURED ACCOUNT\nDISCLOSURES\n\nINTEREST RATE AND INTEREST CHARGES\n\nAnnual Percentage\nRates (APR) for\n\n18.00%.\n\nPurchases\n\nAPR for Balance\nTransfers\n\nAPR for Cash Advances\n\n18.00%.\n\n18.00%.\n\nYour due date is approximately twenty-five (25) days after the close of each billing cycle. We will not\nHow to Avoid Paying\ncharge you interest on purchases if you pay your entire balance by the due date each month. We will begin\nInterest on Purchases\ncharging interest on cash advances and balance transfers on the transaction posting date.\n\nFor Credit Card Tips\nfrom the Consumer\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\n\nFinancial Protection\n\nConsumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore/.\n\nBureau\n\nTransaction Fees\n\nAnnual Fees\n\n$25.00\n\nBalance Transfer Fees\n\n1.0% of the amount of each balance transfer.\n\nCash Advance Fees\n\n1.0% of the amount of each transaction at Over-the-Counter or Cash Equivalent.\n\nForeign Transaction\nNone\nFees\n\nATM Transaction\n\n1.0% of the amount of each transaction at ATMs.\n\nPenalty Fees\n\nUp to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to\nLate Payments\nthirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.\n\nOver Limit Fee (Opt In)\n\nUp to $15.00\n\nReturn Payment Fee\n\n$20.00\n\nOther Fees\n\nCard Replacement Fee\n\n$10\n\nReturned Statement\n\nYou will be charged one dollar ($1.00) for each monthly billing statement that is returned.\n\nCopies of Visa\n\nYou will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit,\n\nTransaction Receipts\n\nCash Advance, or of a monthly billing statement (except in connection with the resolution of a billing\n\nand Statements\n\nerror).\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account\nagreement for further information regarding how we calculate your balance.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly\naccount statement.\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-secured-account-disclosures\n\n1/3\n\n\x0c9/13/2021\n\nVisa Platinum Secured | Members 1st Federal Credit Union\n\nMinimum Deposit Requirement: In order to open this Secured Credit Card Account, a minimum deposit equal to the card credit limit\nis required as security for a Members 1st Visa Platinum\xc2\xae Secured Credit Card. The minimum average balance to earn Annual\nPercentage Yield (APY) is $300.00.\n\nMaximum Deposit Amount: The maximum deposit requirement is the lesser of the credit card credit limit or $5,000.00. Deposits\nexceeding the amount of the card credit limit are not permitted to the Secured Card Savings Account.\n\nAccount Graduation: The Members 1st FCU VISA Platinum\xc2\xae Secured Credit Card offers cardholders who have demonstrated 24\nmonths of continuous on time payments without any derogatories the ability to convert their Secured Credit Card to any other\nunsecured Members 1st credit card priced and based upon the cardholder\'s creditworthiness at the time of graduation.\n\nThe above APR and fees are accurate as of April 1, 2020.\n\nMilitary Lending APR: Effective October 1, 2017, 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 Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account). The audio version of this disclosure can\nbe heard by calling 1-800-309-1766.\n\nMembers 1st Federal Credit Union Secured Card Savings Account Disclosures\n\nThe fees and terms applicable to your Secured Card Savings account at the Credit Union are provided in this\nTruth-in-Savings Disclosure. The Credit Union may change the APY for these accounts.\nEffective Date: November 1, 2019\n\nDIVIDEND\n\nDividend Rate/Annual Percentage Yield\n\n0.15% Rate/ 0.15% APY\n\nBALANCE REQUIREMENTS\n\nMinimum Opening Deposit\n\n$300.00\n\nMinimum Balance to Earn Stated APY\n\n$300.00\n\nTRUTH-IN-SAVINGS ACCOUNT DISCLOSURES\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-secured-account-disclosures\n\n2/3\n\n\x0c9/13/2021\n\nVisa Platinum Secured | Members 1st Federal Credit Union\n\nRate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an\naccount based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage\nYield are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Except as\notherwise noted, the Dividend Rate and Annual Percentage Yield for the account are variable and may change at any time at the\ndiscretion of the Credit Union.\n\nCompounding and Crediting. Dividends will be credited monthly to your account and transferred to your Regular Savings Account.\nThere will be no compounding of dividends in the Secured Card Savings Account. The dividend period begins on the first calendar\nday of each calendar month and ends on the last calendar day of each calendar month. The dividend period is monthly.\n\nBalance Computation Method. Dividends are calculated by the average daily balance method in which dividends are computed by\napplying a periodic rate to the average balance in the account for each day of the period and dividing that sum by the number of days\nin the period.\nAccrual of Dividends. Dividend will begin to accrue on cash and non-cash deposits (e.g., checks) on the business day you make the\ndeposit to your account.\n\nBalance Information. The minimum balance required to open each account tis disclosed under the Minimum Opening Deposit column\nshown above. For Savings accounts, there is a minimum balance required to obtain the Annual Percentage Yield and to avoid a\nservice fee. If the minimum balance is not met on any day, you will not earn the stated Annual Percentage Yield and there will be a\nmonthly service fee.\n\nFees and Charges. See Service Charge schedule for a list of fees and charges that may be assessed against your account.\n\nTransaction Limitations. Transfers, deposits and withdrawals from the Secured Card Savings account are restricted due to the\nsecurity interest granted to the Credit Union.\n\nNature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end\nof a dividend period.\n\nBylaw Requirements. See Membership & Account Agreement.\n\nCERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER\nINSTITUTIONAL INVESTORS.\nThe Secured Card Savings Account will not be included in calculating Member Loyalty Rewards balance or service computations but\nthe credit card balance will be included.\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-secured-account-disclosures\n\n3/3\n\n\x0c'


b'9/13/2021\n\nVisa Platinum Points Choice Rewards | Members 1st Federal Credit Union\n\nVISA PLATINUM\xc2\xae POINTS REWARDS\nDISCLOSURE\n\nINTEREST RATE AND INTEREST CHARGES\n\nAnnual Percentage\nRates (APR) for\nPurchases\n\n12.00% to 18.00%,\n\nbased on your creditworthiness at the time of application. After account opening,\n\nyour APR will vary with the market based on the Prime Rate.\n\nAPR for Cash\nAdvances and\nBalance Transfers\n\nPenalty APR and\nWhen It Applies\n\n12.00% to 18.00% when you open your account, based on your creditworthiness. After account opening,\nyour APR will vary with the market based on the Prime Rate.\n\n18.00% If your account becomes 60 days delinquent. How long will the Penalty APR Apply? If your APRs\nare increased for the reason above, the Penalty APR will be applied to your balances for a minimum of six\n(6) months or payment cycles. Penalty APR will apply until you make six (6) consecutive monthly payments.\n\nHow to Avoid Paying\n\nYour due date is approximately twenty-five (25) days after the close of each billing cycle. We will not charge\n\nInterest on\n\nyou interest on purchases if you pay your entire balance by the due date each month. We will begin charging\n\nPurchases\n\ninterest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips\nfrom the Consumer\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\n\nFinancial Protection\n\nConsumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.\n\nBureau\n\nTransaction Fees\n\nAnnual Fees\n\nNone\n\nBalance Transfer\n\nNone\n\nCash Advance\n\nNone\n\nForeign Transaction\nNone\nFees\n\nATM Transaction\n\nNone\n\nPenalty Fees\n\nUp to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to\nLate Payment\nthirty-seven dollars ($37.00). This applies to payments received after five (5) days from the due date.\n\nOver Limit Fee (Opt\nUp to $15.00\nIn)\n\nReturn Payment\n\n$20.00\n\nOther Fees\n\nCard Replacement\n\n$10\n\nReturned Statement\n\nYou will be charged one dollar ($1.00) for each monthly billing statement that is returned.\n\nCopies of Visa\nYou will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit,\nTransaction Receipts\nCash Advance, or of a monthly billing statement (except in connection with the resolution of a billing error).\nand Statements\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-points-rewards-disclosure\n\n1/2\n\n\x0c9/13/2021\n\nVisa Platinum Points Choice Rewards | Members 1st Federal Credit Union\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account\nagreement for further information regarding how we calculate your balance. The above rates and fees are current as of April 1, 2020.\nThe variable APRs are based on the current Prime Rate of 3.25%.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly\naccount statement.\n\nCash Rewards Information: Your Members 1st FCU Visa Platinum Cash Rewards card will earn 1.0% cash rewards on all new\nqualifying net purchases (less credits, returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net\npurchases at eligible grocery merchants, wholesale clubs, and gas merchants. Eligible grocery merchants and wholesale clubs are\nclassified by standard industry codes (SIC) of 5411, 5451 and 5530. Eligible gas merchants are classified by standard industry codes\n(SIC) of 5541 and 5542. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with\nthese SIC codes which will result in receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, Convenience Checks,\npurchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account\nbecome 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited. Cash\nRewards Redemption Options: Minimum redemption amount is $25.00. Cash rewards do not expire. For more information regarding\nredemption options, visit ScoreCardRewards.com.\n\nBalance Transfer: All Balance Transfer requests are determined by your available line of credit and should your request exceed that\namount it will be declined. You do have the ability to request a line of credit increase to support your request if need be. Please allow\na minimum of up to two (2) weeks for processing and receipt by the identified recipients. Members 1st FCU is not responsible for any\nfees or interest associated with the identified recipient account transfers. It is your responsibility to make all minimum payments on\nany account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if\nyou select. Balance Transfers can be credited directly to a member\xe2\x80\x99s checking or savings account. All Balance Transfers incur\ninterest charges at the disclosed APR from the time of the transaction date, not the check clearing date by the recipient.\n\nMilitary Lending APR: Effective October 1, 2017, 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 Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account). The audio version of this disclosure can\nbe heard by calling 1-800-309-1766.\n\nhttps://www.members1st.org/personal/spend/visa-cards/visa-platinum-points-rewards-disclosure\n\n2/2\n\n\x0c'