b'iTHINK Financial Credit Union\nP.O. Box 5090, Boca Raton, FL 33431-0890\n800.873.5100 \xe2\x80\xa2 www.ithinkfi.org \xe2\x80\xa2 serviceplus@ithinkfi.org\n\nCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ITHINK FINANCIAL CREDIT UNION OR ITS SUCCESSORS. BY ACTIVATING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\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. Monies owed prior to death\nwill continue to encumber your shares, deposits and collateral, after your\ndeath, superseding the rights of any joint owners or beneficiaries.\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 can purchase or lease goods and services from any\nmerchant who honors your Card, up to your maximum credit limit. You may\nalso obtain cash advances from ATM machines that accept the Card, up to\n$1,000 per day. You agree not to present your Card or obtain a cash advance\nfor any extension of credit in excess of your available credit limit; however, if\nyou do exceed your credit limit, you agree to make immediate payment\nsufficient to bring the balance below the credit limit. Certain purchases and\ncash advances require authorization prior to completion of the transaction. In\nsome cases, you may be asked to provide identification. If our system is not\nworking, we may not be able to authorize a transaction, even though you\nhave sufficient credit available. Also, for security reasons, we may temporarily\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.\n\n9011 LASER UD FI14764 Rev 2-2020\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us 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,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date that they are posted\nto the account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance or balance transfer balance by the payment due date, you will\nincur the Interest Charges accrued from the date the cash advance or balance\ntransfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (800) 873-5100. You agree to follow up your call\nwith notice in writing to us if required at: P.O. Box 5090, Boca Raton, FL\n33431-0890. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information relating to any loss, theft or\npossible unauthorized use of your Card and comply with such procedures as\nwe may require in connection with our investigation. You will be liable for any\nunauthorized use only if we can prove that you were negligent in your use or\nhandling of your Card, or if we can prove that you used your Card fraudulently.\nIn addition, in the event possible fraudulent activity is suspected, you\nauthorize us to contact you at telephone numbers or email addresses that you\nhave previously provided to us or that you may subsequently provide to us,\nfor which you may be charged for the call or message. You further authorize\nus to contact you through the use of voice, voice mail and text messaging,\nincluding the use of pre-recorded or artificial voice messages and an\nautomated dialing device. If necessary, you may change or remove any of the\ntelephone numbers or email addresses at any time using any reasonable\nmeans to notify us.\n\npage 1 of 3\n\nCOPYRIGHT 2009 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 CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ITHINK FINANCIAL CREDIT UNION OR ITS SUCCESSORS. BY ACTIVATING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\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\nyou have 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\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\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\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension 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\nunderstand that we are not obligated to offer such services and may withdraw\nor change them 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\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account 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\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\n9011 LASER UD FI14764 Rev 2-2020\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 payments made for your account resulting from use of\nthe Card 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.\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. You can, at any\ntime, logon to your online banking account and update your mail or email\ninformation.\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 Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit 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 2 of 3\n\nCOPYRIGHT 2009 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 1-800-873-5100 during our normal business hours: Monday-Friday 8:30am-6:00pm.\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 member 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\nresponsible for 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\namount in question, along with applicable interest and fees. We will send\nyou a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think\nyou owe.\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\n9011 LASER UD FI14764 Rev 2-2020\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'CREDIT CARD\nAPPLICATION DISCLOSURE\n\niTHINK Financial Credit Union\nP.O. Box 5090, Boca Raton, FL 33431-0890\n800.873.5100 \xe2\x80\xa2 www.ithinkfi.org \xe2\x80\xa2 serviceplus@ithinkfi.org\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of 04/01/2021 . You can contact us toll free at 800.873.5100 or the address above to inquire if any changes occured\nsince the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases and Cash Advances\n\n8.90 % - 18.00 %\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Balance Transfers\n\n4.99 % - 10.99 %\nIntroductory APR until the balance transfer is paid in full for balances transferred\nwithin 90 days of account opening. All other balance transfers, purchases and\ncash advances will be at the Standard APR of 8.90 % - 18.00 %\ndepending on your credit history. The Standard APR will vary with the market based\non 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 balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers\non the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\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- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\n\nNone\nNone\n2% of each cross border transaction in U.S. dollars if the transaction involves a\ncurrency conversion\n2% of each cross border transaction in U.S. dollars if the transaction does not\ninvolve a currency conversion\n\nIf your payment is late 10 days or more, up to $25.00 for the first offense and up to\n$35.00 each if 2 or more offenses occur within 6 months.\nNone. We do not approve authorizations that will exceed your credit limit.\nNone\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your\naccount agreement for more details.\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a\nlate payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\n9009 LASER FPDF FI14762 Rev 2-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'FIREFLY VISA SIGNATURE\xc2\xae CREDIT CARD AGREEMENT\nFirefly Federal Credit Union Visa Signature Agreement\n\nIn this Agreement the words \xe2\x80\x9cwe,\xe2\x80\x9d\xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means Firefly Federal Credit Union. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for a Visa Signature Credit Card Account. \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa\nSignature Credit Card Account with us. \xe2\x80\x9cCard\xe2\x80\x9d or \xe2\x80\x9cCards\xe2\x80\x9d means the Visa Signature Credit Card and any duplicates and renewals we issue. Card or Cards also refers to any Convenience Check(s) or other credit devices issued\nto you in connection with your Account. \xe2\x80\x9cConvenience Check(s)\xe2\x80\x9d or \xe2\x80\x9cCheck(s)\xe2\x80\x9d means the checks issued to you in connection with your Account. By keeping the Visa Signature Credit Card, signing it, using or permitting\nanother to use it, you agree to all of the terms and conditions of this Agreement.\n\n1. Responsibility.\n\n(a) Card Issuance. If we issue you a Card, you agree to repay all debts and the finance charge arising from the use of the Card and the Card Account. For example, you are responsible for charges made by yourself, your\nspouse and minor children. You are also responsible for charges made by anyone else to whom you give the Card, or your Card number to, and this responsibility continues until your Card Account is closed and any\noutstanding balances are paid.\n(b) Authorized Users. You may request additional cards for authorized users. You must pay us for all charges made by authorized users. You must pay us even if you did not intend to be responsible for those charges.\nYou must notify us to withdraw any permission you give to an authorized user to use your account. You also are responsible for getting any cards, checks or other means of accessing your account from the authorized\nuser. If you wish to terminate an authorized user, we may close your Account and open a new Account with a different Account number.\n(c) Closing Your Account. You may close your Account by notifying us in writing or over the phone. If you close your Account, your obligation to pay the Account balance continues even though an agreement,\ndivorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the Account. If this is a joint Account, either person who is liable on the Account may\ngive notice to cancel the Account, and we may close it without notifying the other liable person. We may also close your Account or suspend Account privileges at any time for any reason. We may do this without\nprior notice to you. We may also reissue a different Card at any time. You must return any Card to us upon request.\n(d) Unlawful Transactions. You aren\xe2\x80\x99t permitted to use your Account for unlawful Transactions. If you do use your Account for unlawful Transactions, this Agreement still applies and you must pay us for those\nTransactions. You also may have to pay the Card Network and/or us for any damages and expenses resulting from that use. In addition, we may close your Account.\n(e) Lost or Stolen Reporting. If your Card is lost, stolen or misplaced, you must contact us immediately. Call (952) 736-5000 or (800) 345-2733.\n\n2. Credit Limit.\n\nYour \xe2\x80\x9cCredit Limit\xe2\x80\x9d is the maximum amount of Purchases and Cash Advances that you are authorized to make with your Card. If we approve your application, we will establish a self-replenishing credit line for you and\nnotify you of its amount when we issue the Card. You agree not to let the Account balance exceed this approved Credit Limit. Each payment you make on the Account will restore your Credit Limit by the amount of\npayment, which is applied to principal. By giving you written notice our loan officer may reduce your Credit Limit from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause\nincludes your failure to comply with this Agreement, or our adverse reevaluation of your credit worthiness. You may also terminate the Agreement at any time, but termination by either of us does not affect your\nobligation to pay the Account balance. The Card remains our property and you must recover and surrender to us all Cards upon our request and upon termination of the Agreement.\n\n3. Using the Card.\n\nYou can use your Card to make purchases at approved Visa plan merchants, pay bills per your authorization or get cash advances. Additionally, smart phones, tablets and other electronic devices can store your Card\n(such as through a mobile wallet). Any purchase or transaction made with any electronic device is covered by this Agreement. Apps that use your Card to make transactions may have separate terms of use and you\nare responsible for following those terms or any violations. In order to obtain a cash advance of available funds, you can present your Card to us or to another financial institution, and sign the cash advance draft. You\nmay also obtain a cash advance by using your Personal Identification Number (PIN) in conjunction with the Card in an automated teller machine (ATM) or other type of electronic terminal that provides access to the Visa\nsystem. You agree that charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance. The monthly statement will identify the merchant, electronic terminal or\nfinancial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in\norder to verify the monthly statement. We may make a reasonable charge for photocopies of slips you request.\n\n4. Using the Convenience Checks.\n\nYou may use your Checks the way you use regular checks; however, you cannot use a Check to pay any amount you owe under this Agreement or for repayment of any Firefly Federal Credit Union loan account. Each\nCheck we pay will create a cash advance against your Account. We will pay each Check you write unless:(a) in paying the Check, your unpaid balance would exceed your Credit Limit; (b) you are in default or your right\nto use your Account is cancelled or suspended; (c) the Check is signed by someone other than you; or (d) your Account is not activated.\n\n5. Stop Payments on Checks.\n\nIf you do not want to pay a Check, you can ask us to stop payment if the check has not been paid. Your stop payment order can be given by phone or mail. For more information call (952) 736-5000 or (800) 345-2733\nor write to us at 1400 Riverwood Drive, Burnsville, MN 55337. To process your request we need your Account number and date of the Check, the name of the payee and the amount of the Check. We do not have to\nhonor any stop payment request unless we have a reasonable opportunity (usually 24 hours) to act before the Check is paid. Your written order will be effective for six months unless you revoke it in writing. If your stop\npayment order is given by phone, it is binding on us for only fourteen days unless we receive written confirmation of the order from you within that period. We will not be liable in any way for any stop payment request\nthat we honor nor will we be liable in any way for our failure to honor any such request if we used ordinary care.\n\n6. Statements and Payments.\n\n(a) Statements. If your Account has a balance, we will mail you a Statement at the end of each Billing Period; if you have elected to receive Credit Card eStatements, your statement will be available to view\nelectronically via our online banking platform. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the days between the statement date shown on the last Statement we sent you and the statement date on your current Statement. Your\nStatement will include your previous balance, the current transactions on your account, the unused credit available under your Credit Limit, the new balances of purchases and cash advances, the new balance, the\nTotal Interest Charges, other billed fees, and the Required Payment Due. Every month, you must pay at least the Required Payment Due by the payment due date. You may of course, pay more frequently, pay more\nthan the Required Payment Due or pay the total new balance in full.\nb) Minimum Payment. The Required Payment Due will be, (i) 2% of your new balance or $20, whichever is greater; or (ii) your total new balance, if it is less than $20; or (iii) any portion of the Required Payment\nDue shown on prior statement(s) which remain unpaid. Credit vouchers are not considered a payment. They reduce your balance. In addition, at any time your new balance exceeds your Credit Limit, you must\nimmediately pay the excess upon our demand. We will apply your payment first to any unpaid fees, then to interest, and then to the principal balance. If you pay more than the minimum payment, your payment\nwill be applied to balances in the order of highest to lowest APR.\n(c) Payments. You can make payments on your Account in person at one of our offices during business hours, at a night depository at one of our offices, by U.S. Mail, or other approved means such as telephone or\nelectronically. Electronic payments received after 6:30 p.m. Monday-Friday and after 1:30 p.m. on Saturday, will be processed on the next business day. Electronic payments will not be processed on Sunday. We use\nthe Central Time zone to base the time a payment is made.\n\n\x0c7. Interest Charges and Annual Percentage Rate (APR).\n\n(a) Purchases. You have a 25-day grace (interest-free) period on your new purchase balance. You also have a 25-day grace period on your new purchases if you paid the total new balance for purchases on your last\nStatement on or before the end of the grace period (due date) or if you did not have a purchase balance on your last Statement. The grace period starts on the Statement closing date. If you do not pay the total new\nbalance for purchases by the end of the grace period, you forfeit the 25-day grace period and INTEREST CHARGES will be imposed on the unpaid purchase balance from the first day of the next billing cycle and on\nnew purchases from the date they are posted to your account.\n(b) Cash advances. Cash advances, balance transfers and Checks are always subject to an INTEREST CHARGE from the date they are posted to your Account.\n(c) Calculating the Average Daily Balance. To get the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d we take the beginning balance of your Account each day, add any new purchases and advances, and subtract payments or credits,\nand unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d to which the periodic rate is then applied.\n(d) Variable APR. We use APRs to calculate interest charges on your Account. Your APR will vary with the market based on the U.S. Prime Rate. Any change to your APR will not apply until the first day of your\nnext billing cycle that begins after a rate change date. We will add a \xe2\x80\x9cMargin\xe2\x80\x9d to the U.S. Prime Rate to determine your standard variable rate. For each billing period, we will use the U.S. Prime Rate published in\nthe Money Rates table of The Wall Street Journal on the 25th day of the month (or next business day if the last day falls on a weekend or holiday). An increase in the \xe2\x80\x9cIndex\xe2\x80\x9d will result in an increase in the APR. A\ndecrease in the \xe2\x80\x9cIndex\xe2\x80\x9d will have the opposite effect of an increase. The maximum APR for your card is 18%.\n(e) Promotional Rate Offers. At our discretion, we may offer you a promotional APR for all or a part of the purchase and/or cash advance balance. The period of time for which the promotional rate applies may\nbe limited. We may also offer you a promotional APR to encourage specific transactions, such as transferring balances from accounts you have with other creditors. Any promotional rate offer will be subject to the\nterms of the offer and this Agreement.\n(f) Penalty Rate for existing balances and new Transactions (60 or more days late). If we haven\xe2\x80\x99t received your Minimum Payment Due within 60 days after its due date, we may apply the penalty APR to\nboth the existing balances and new Transactions. If you make your next six consecutive Minimum Payments Due on time, we\xe2\x80\x99ll stop applying the penalty to existing balances and new Transactions. If you don\xe2\x80\x99t make\nyour next six consecutive Minimum Payments Due on time, the penalty APR may continue to apply indefinitely to existing balances and new Transactions.\n\n8. Security Interest.\n\n(a) To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code and under any common law rights we may have in goods you purchase through the Account. Our\nsecurity interest includes all individual and joint share and/or deposit accounts you have with us now and in the future. Shares and deposits in an IRA or any other account that would lose special tax treatment\nunder state or federal law if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares unless you are in default. If you default,\nyou authorize us to apply the balance in these accounts to any amounts due in the manner described in paragraph 6. For example, if you have an unpaid credit card balance, you agree we may use funds in your\naccount(s) to pay any or all of the unpaid credit card balance. In addition, we will have the right to recover any of those goods, which have not been paid for through our application of your payments.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans you have with the credit union may also secure this loan, except that a dwelling will never be considered as security for this\naccount, notwithstanding anything to the contrary in any other agreement.\n(b) Military Lending Act. You acknowledge and agree that your pledge does not apply during any periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered\nborrower and your pledge will apply, if: (i) you established your credit card account when you were not a covered borrower; or (ii) you cease to be a covered borrower.\n\n9. Other Charges.\n\nWe reserve the right to make a charge for original and copies of drafts you may request and for other services as set forth below. The following other charges (fees) will be added to your Account, as applicable:\nCopy of Charge Slip.............................................................................................................................. $5.00\nQuick Card Issue................................................................................................................................... $35.00\nReturn Check Fee (Drawn on personal account at another financial institution)............................. up to $25.00\nCard Replacement Fee.......................................................................................................................... $15.00\n\nConvenience Check Copy.............................................................................. $5.00\nStop Payment Fee (Convenience Check)...................................................... $10.00\nReturned Convenience Check (Inactivated/Declined/NSF Fee).................. $4.50\nReturned Statements.................................................................................... $10.00\n\n10. Returns and Adjustments.\n\nMerchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending a credit slip, which will be posted to your account. If your credits and payments exceed what you\nowe us, we will hold and apply this credit balance against future purchases and cash advances, or if it is $1 or more, refund it on your written request or automatically after sixty days.\n\n11. Foreign Transactions and Fees; Currency Conversion.\n\nPurchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate selected by the card company from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may vary from the rate the card company itself receives, or the government-mandated rate in effect for the applicable central processing date in\neach instance.\n\n12. Plan Merchant Disputes.\n\nWe are not responsible for the refusal of any plan merchant or financial institution to honor your Card. Subject to your rights under the Federal Fair Credit Billing Act (described in the notice entitled Your Billing Rights \xe2\x80\x93\nKeep This Notice For Future Use) or other applicable law, we have no responsibility for merchandise or services purchased under the Account and you agree to pay us for all purchases made, even though a dispute may\narise with respect to such purchases.\n\n13. Default.\n\nYou will be in default if you fail to make any Required Payment Due by the due date specified on your Statement. You will also be in default if your ability to repay us is materially reduced by a change in your\nemployment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement. We have the right to demand immediate payment of your\nfull Account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable\nattorneys\xe2\x80\x99 fees.\n\n14. Credit Information.\n\nYou authorize us to investigate your credit standing when opening, renewing or reviewing your Account, and you authorize us to disclose information regarding your Account to credit bureaus and other creditors who\ninquire of us about your credit standing, to the extent allowed by law or our privacy policy.\n\n15. Effect of Agreement.\n\nThis Agreement is the contract which applies to all transactions on your Account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend this\nAgreement from time to time by sending you the advance written notice required by law. You may have the right to reject amendments we make. However, if you do reject the amendments, you will not be able to use\nyour Card for new transactions. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing Account balance as well as to future transactions.\n\n\x0c16. Unauthorized Use.\n\nIf your Card or Convenience Checks are lost or stolen, or you think that someone is using your Account without your permission, you agree to notify us immediately. You can notify us by calling (800) 345-2733 or by\nwriting to Firefly Federal Credit Union, Attn: Visa, 1400 Riverwood Dr., Burnsville, MN 55337. If you notify us by telephone, you agree to confirm your notification in writing. You are not liable for unauthorized use of the\nAccount that occurs after you notify us of the loss, theft or possible unauthorized use unless you were grossly negligent or fraudulent in the handling of your Account or Card. You agree to assist us in determining the\nfacts relating to any theft or possible unauthorized use of your Account and tocomply with the procedures we may require for our investigation. If we have issued you Checks, you must return or destroy your Card and/or\nChecks if we request you to do so.\n\n17. Late Charge.\n\nAs allowed by law, we will add a late charge to your account for each billing period you fail to make the Required Payment Due by its due date. Our fee for a late payment is up to $25.\n\nYour Billing Rights: Keep This Document for Future Use.\n\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\nWhat to Do if You Find a Mistake on Your Statement.\n\nIf you think there is an error on your statement, write to us at:\n\xe2\x80\xa2 Firefly Federal Credit Union, 1400 Riverwood Drive, Burnsville, MN 55337\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description 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:\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 you want to stop payment on the amount you 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 to investigate any potential errors and you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter.\n\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 already 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 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 delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue 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 for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\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 any 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 in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due.\nWe may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 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 is correct.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the 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 miles of your current mailing address, and the purchase price must have been 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 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 check 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 at:\n\xe2\x80\xa2 Firefly Federal Credit Union, 1400 Riverwood Drive, Burnsville, MN 55337\nWhile we investigate, the same rules 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 amount and you do not pay,\nwe may report you as delinquent.\n\nLIFE ILLUMINATED.\n\n2.18\n\n\x0cFirefly Federal Credit Union\n\nVISA SIGNATURE\xc2\xae CREDIT CARD\nRates, Fees and Other Conditions\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rates (APR)\nfor Purchases, Balance Transfers\nand Cash Advances\n\n10.74% - 15.24%\n\nwhen you open your account, based on\nyour creditworthiness. After that, your APR will vary with the market\nbased on the U.S. Prime Rate.\n\nPenalty APR and When it\nApplies\n\n18%\nThis APR may be applied to both existing balances and new transactions on\nyour account if you make a late payment.\nHow Long Will the Penalty APR Apply?: If your APRs are increased for a late\npayment, the penalty APR may apply until you make six consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\n$0\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n- Foreign\n- Balance Transfer\n- Cash Advance\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment\n- Returned Payment\n- Over the Limit\n\nUp to $25\nUp to $25\nNone\n\nHow We Will Calculate Your Balance? We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nHow We Will Calculate Your Variable APRs:\nWe will add a \xe2\x80\x9cMargin\xe2\x80\x9d to the U.S. Prime Rate to determine your standard variable rate. For each billing period, we will\nuse the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal on the 25th day of the month (or next\nbusiness day if the last day falls on a weekend or holiday).\n\n. As of March 25, 2020, the U.S. Prime Rate is 3.25 percentage points.\n. The Margin for purchases will be from 7.49% to 11.99%.\n. Any change to your APR will not apply until the first day of your next billing cycle that begins after a rate\nchange date.\n\nYou may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by\nour review of your credit report, information you provide on your application, and other relevant information available\nto us.\nInformation accurate as of 03/25/2020 and is subject to change. You can call Firefly Credit Union at (800) 345-2733 for\nthe most current Visa Signature Credit Card information concerning rates and fees.\n10.19\n\n\x0c'


b'Credit Card Agreement &\nDisclosure Effective: April 1, 2020\n(503) 227-5571 or 1-800-452-0900\nwww.unitusccu.com\nThis VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Classic VISA, Secured VISA, and Platinum Rewards VISA Card\nand account issued by Unitus Community Credit Union. In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the application for this\nAccount, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Unitus Community Credit\nUnion. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under this Account. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the\nCard or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions\nwhich will govern this Account.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\n7.\n8.\n\n9.\n\n10.\n\n11.\n\nPayment\nYou promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card or Account by you or any other person, and to be jointly and severally liable with such\na person, unless such other person does not have actual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to pay us either by direct\npayment or by automatic transfers from shares or by payroll deduction. If you request closure of your Account and return all of your Visa Credit Cards we will restrict your account and\ndecline authorization requests for new transactions; however, you cannot disclaim or avoid responsibility for payment by requesting that we close your account.\nAuthorized Users/Designated Agents: If you give your Card or your Account number to another person and authorize that person to make charges against your Account, you are liable\nfor all purchases and cash advances made by that person, even if you did not anticipate or specifically approve of the charges. If you request Unitus to provide a Card to another person\nas an Authorized User/Designated Agent, we will authorize charges made on the Authorized User\xe2\x80\x99s Card until you notify us in writing that the person is no longer authorized to make\ncharges and we have sufficient time to act on your written notice.\nPurchases And Cash Advances\nYou must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods, services, or insurance wherever the Card is honored, up to the full amount of\nyour Credit Line not to exceed the daily limit. You may use your Account to get cash advances from us. Upon your oral or written direction, cash advances may be made against your\nVISA Account and applied to any of your Credit Union Accounts or other accounts in the same manner as if the cash advances were paid to you. You may also use your Card to get\na cash advance from participating financial institutions and to access your line of credit at automatic teller machines (ATM\xe2\x80\x99s) up to the daily limit within the VISA network or any other\nATM\xe2\x80\x99s we designate.\nBalance Transfers\nPlease allow up to 6 weeks before payments to your other accounts are made. You should continue to make all required payments until you confirm that the balance transfers were\nmade. The Credit Union is not responsible for any merchant delays in processing transactions. Balance transfers may not be used to pay any Unitus Community Credit Union accounts.\nBalance transfers do not earn Unitus Reward Points.\nCredit Line\nIf we approve your application, this Agreement will constitute a revolving line of credit for an amount, which will be the Credit Line under your Account. We will advise you of the amount\nof your Credit Line. That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your credit\nline. If you temporarily exceed your credit line, you agree to pay any over-limit fees and repay the excess immediately. Obtaining such credit does not increase your Credit Line. We\nretain the right to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate\nnotice together with any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close your Credit Line at any time by notifying us in writing. If you terminate this Agreement or if we terminate or suspend your credit\nprivileges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and\nreturned all Cards.\nMinimum Monthly Payment\nYou agree that you will pay each month not less than the minimum monthly payment on or before the scheduled monthly due date. The minimum monthly payment will be 2% of your\noutstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $20.00, whichever is greater. If your outstanding balance is $20.00 or less, you agree to pay the balance in full. The total minimum payment\ndue each month is the minimum monthly payment, any amounts past due and any over-limit amounts. You may pay in full for all your purchases and cash advances each month, or\nyou may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights\nunder this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees do not constitute a minimum monthly payment. Your payments may\nbe allocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments\nin excess of the minimum payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If\nyou choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Unitus Community Credit Union, P.O. Box 1937,\nPortland, Oregon 97207, at or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00\nPM Pacific Time, on a weekend or federal holiday will be posted to your Account as of the next business day. Payment crediting to your Account may be delayed up to five days if your\npayment is received by mail at any other address or not accompanied by the remittance portion of your Account statement.\nSecurity Interest\nTo secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through your Account. If you default, we\nwill have the right to recover any of these goods, which have not been paid for through application of your payments in the manner described in Section 5. Collateral securing other\nloans with the Credit Union, in the past and in the future, (except loans secured by real property) also secures this Account.\nPledge Of Shares\nBy signing the Application, you pledge all of your present and future shares and any earnings thereon. You understand that if you default on your VISA Account, we may apply all that\nis pledged to your VISA Account (IRA and Keogh accounts are excluded from the Pledge of Shares).\nPeriodic Statements\nEach month we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the billing cycle, your Previous Balance, your\n\xe2\x80\x9cTotal New Balance,\xe2\x80\x9d any Interest Charge, and any other charges. Your statement also will identify the remaining credit limit available and the Minimum Monthly Payment you must\nmake for that billing period and the date it is due. You agree to notify us immediately if you do not receive a monthly statement. You agree to retain for statement verification copies\nof transaction slips resulting from each purchase, each advance, and other transactions on your Account. Unless you notify us of a billing error as described below, you accept your\nmonthly statement as an accurate statement of your Account with us.\nCircumstances Under Which A Interest Charge Will Be Imposed\nYour Account will be subject to an interest charge, which will be calculated based upon a variable interest rate. The total outstanding balance of purchases and cash advances in the\nAccount on the closing date of a billing cycle, including any Interest Charge will be shown on the Periodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na.\nCash Advances. Interest will be imposed on cash advances from the date each cash advance is made. There is no grace period within which to pay to avoid interest on cash\nadvances.\nb.\nBalance Transfers. Interest will be imposed on balance transfers from the date each balance transfer is made. There is no grace period within which to pay to avoid interest on\nbalance transfers.\nc.\nPurchases. Interest will be imposed on the portion of purchases included in the new balance that remains unpaid after the date that payment is due. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows\nyou to avoid interest on purchases for a billing cycle. However, to the extent you do not pay your purchase transactions within the grace period, interest will accrue from the first\nday of the billing cycle in which payment was due, and on new purchases from the date such purchases are posted to your account.\nMethod Used To Determine The Balance On Which The Interest Charge May Be Computed And Amount Of Interest Charge\nWe figure the Interest Charge on your Account by applying the Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases, balance transfers and cash advances for your Account\n(including current transactions) and multiplying the result by the number of days in the billing cycle. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning balance of your Account\neach day, add any new purchases, balance transfers or cash advances, and subtract any payments or credits, unpaid Interest Charges and unpaid late charges. This gives us the\ndaily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d\nPeriodic Rate And Corresponding Annual Percentage Rate\nThe Daily Periodic Rate and corresponding Annual Percentage Rate is calculated by adding or subtracting a margin to the U.S. Prime Rate published in The Wall Street Journal\n(Western Edition) on the third (3rd) Tuesday of March, June, September, and December of each calendar year. If the third (3rd) Tuesday is a holiday, we will use the Prime Rate\npublished the next day. The Annual Percentage Rate may vary each quarter. If more than one Prime Rate is published, we may choose the highest rate. If The Wall Street Journal\n(Western edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper of general circulation, or we\nmay substitute a similar reference at our sole discretion. Any increase or decrease in a variable Annual Percentage Rate takes effect on the first day of the billing period directly\nfollowing the month in which we calculate the rate. We then add a margin to the Index. The margin is based on your credit profile and other factors we deem appropriate, and will be\ndisclosed at the time you open your Account. The total of the Index plus the margin amount added is your Annual Percentage Rate. Divide the Annual Percentage Rate by 365 to\nCredit Card Agreement & Disclosure 1\n\n\x0c12.\n\n13.\n\n14.\n\n15.\n\n16.\n17.\n18.\n\n19.\n20.\n\n21.\n22.\n\nproduce your Daily Periodic Rate. The maximum Annual Percentage Rate is 18%. Any increase or decrease in the Annual Percentage Rate will affect the number and amount of\nmonthly payments. The Daily Periodic Rate and corresponding Annual Percentage Rate will be shown on your monthly statement.\nConditions Under Which Other Charges May Be Imposed\nWe may impose fees and charges on your Account as set forth below. Fee amounts not provided below are disclosed on the Unitus Fee Schedule, available on our website at\nunitusccu.com. We reserve the right to assess other fees in the future. You will be notified of any new fees as required by law.\na.\nAnnual Fee. For Visa Cards listed on the Unitus Fee Schedule as having Annual Fees, an Annual Fee in the amount shown on the Fee Schedule may be assessed on your Visa\nCard on the anniversary of the Account open date. If your Visa Card\xe2\x80\x99s Annual Fee is not listed on the Unitus Fee Schedule, there is no Annual Fee.\nb.\nLate Payment Fee. If your minimum monthly payment is more than 5 days late, your Account will be assessed a late fee of $20.00.\nc.\nAccount Reconciliation/Research fees. If you request research of any items or documents related to your Visa Account we may charge a fee as set forth on the Unitus Fee\nSchedule.\nd.\nReturned Mail Fee. If your periodic statement is returned to Unitus from the U.S. Postal Service as undeliverable, you may be charged a fee as set forth on the Unitus Fee\nSchedule.\ne.\nStop Payment Requests. If you ask us to stop payment on a preauthorized recurring transaction as described in Section 22 of this Agreement, you may be charged a fee as set\nforth on the Unitus Fee Schedule.\nf.\nStatement Copy. If you ask for a copy of a periodic statement that has previously been provided to you electronically or via U.S. Mail, you may be charged a fee as set forth on\nthe Unitus Fee Schedule.\ng.\nATM Fees. ATM service fees charged by Unitus are set forth on the Unitus Fee Schedule. These fees may vary from time to time. If you use an ATM that is not operated by\nus, the ATM operator or an ATM network utilized for such transaction may charge you an ATM surcharge. The ATM surcharge will be debited from your Account if you elect to\ncomplete the transaction.\nh.\nCurrency Conversion. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars, and you will be charged the Visa\nForeign Currency Exchange/Conversion fee as set forth on the Unitus Fee Schedule. The exchange rate between the transaction currency and the billing currency used for\nprocessing International transactions is: (i) A rate selected by Visa from the range of rates available In wholesale currency markets for the applicable processing date, which rate\nmay vary from the rate Visa Itself receives, plus or minus any adjustment determined by Unitus, or (ii) The government-mandated rate in effect for the applicable central processing\ndate, plus or minus any adjustment determined by Unitus.\ni.\nAttorney\xe2\x80\x99s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including court costs and reasonable attorney fees\nwhether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, appeals, and any post judgment collection services, if applicable. These fees\nand costs may be added to your Account balance and will bear interest at the Annual Percentage Rate in effect at that time.\nConditions of Card Use\nThe use of your Card and Account are subject to the following conditions:\na.\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any person whom we authorize to\nact as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time in our sole discretion\nwithout demand or notice. You cannot transfer your Card or Account to another person.\nb.\nHonoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device\nwe supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nc.\nNotices and Payments. All notices will be sent to your address as shown in our files. If this is a joint Account, we can send monthly statements and notices to either of you. You\nagree to advise us promptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on your monthly statements. Payments\nreceived at that address would be credited to your Account as of the date received. Written notices and inquiries to us must be sent to:\nUnitus Community Credit Union\nP.O. Box 1937\nPortland, OR 97207\n503-227-5571 or 1-800-452-0900\nd.\nPersonal Identification Number. If we issue you a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card in accessing your line of credit at automatic teller machines\n(\xe2\x80\x9cATM\xe2\x80\x99s\xe2\x80\x9d), these numbers are issued to you for your security purposes. These numbers are confidential and should not be disclosed to third parties. You are responsible for\nsafekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Accounts. If you authorize anyone to use your\nPIN that authority shall continue until you provide us with express revocation of that authority. If you fail to maintain your PIN security and we sustain a loss, we may terminate\nall services on your Accounts immediately. To keep your Account secure, do not write your PIN on your Card or keep it in the same place as your Card.\ne.\nUse of Card. Your Card may not be used to make or facilitate illegal transaction(s) as determined by applicable law. Any such use will constitute an event of default under this\nAgreement. You agree that we will not be liable for any use by you or any authorized user(s). You further agree to indemnify and hold us harmless from any legal action,\nliability, damages or adverse action that results directly or indirectly from such illegal use.\nDefault\nYou will be in default under this Agreement if any of the following occur: (a) if your payments are not made when due; (b) you become insolvent, bankrupt, or you die; (c) you violate\nany part of this Agreement, or any other agreement with us; (d) your payment ability is materially impaired including but not limited to changed employment status or increased financial\nobligations; or (e) if we reasonably deem ourselves insecure with respect to your Account. Upon default, we may declare the entire unpaid balance immediately due and payable, and\nyou agree to pay that amount plus any attorney\xe2\x80\x99s fees and costs incurred by us. We can delay enforcing any right under this Agreement without losing that right or any other right. We\nwill notify you in writing of any such action as soon as practical if it occurs.\nVisa Account Obligations\nWe are not obligated to authorize a transaction involving your Card or Account if:\n\xef\x82\xa7\nYou exceeded your Credit Line limit, or your Credit Line limit would be exceeded by the transaction;\n\xef\x82\xa7\nYou failed to pay an amount owed to us when due;\n\xef\x82\xa7\nYou failed to follow any term or condition of this Agreement;\n\xef\x82\xa7\nYou notified us or we determined your Card may be lost or stolen, or there may be unauthorized access to your account;\n\xef\x82\xa7\nWe have revoked your rights under this Agreement because you are in default.\nGoverning Law\nThis Agreement will not take effect until it is approved by us. The laws of the State of Oregon shall govern this Agreement.\nSeverability\nIf any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect.\nLoss, Theft Or Unauthorized Use Of Card\nYou agree to notify us immediately of the loss, theft or unauthorized use of your Card. Contact us at:\nUnitus Community Credit Union\nAttn: Contact Center\nP.O. Box 1937, Portland, OR 97207\n503-227-5571 or 800-452-0900\nTDD 503-795-9898\nYou will not be liable for any losses provided you were not grossly negligent or fraudulent in handling your Card. In any event, your liability for unauthorized VISA credit card transactions\nshall not exceed $50.00.\nBusiness Days\nOur business days are Monday through Friday, except holidays.\nPreauthorized Recurring Electronic Transactions\nIf you have arranged in advance to use your credit card to make recurring electronic payment transactions out of your Account(s) for money you owe others, you may stop payment of\nthese pre-authorized transactions from your Account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We\nmay require written confirmation of the stop payment order to be made within fourteen (14) days of an oral notification. If a written confirmation is required, we will disclose this\nrequirement together with the address to which the confirmation should be sent at the time of the oral notification. If we require written confirmation, the oral stop payment order shall\ncease to be binding fourteen (14) days after it has been made. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we\ndo not do so, we will be liable to you for your losses or damages.\nAcknowledgment And Amendments\nWe reserve the right to amend the terms of this Agreement at any time as permitted by and subject to any limitations and notice requirements of applicable law.\nMilitary Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as described below.\na.\nBorrower Certification of Active Duty. By requesting a Credit Card each borrower certifies to the Credit Union that borrower: (i) is a Covered member as a member of the Armed\nForces who is currently serving on active duty (under a call or order not less than 30 days) Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a\ndependent of the Covered Member. Borrower(s) authorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database\nof the Department of Defense or from a consumer report obtained from a consumer reporting agency.\nb.\nMilitary Annual Percentage Rate. 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%. This rate must include,\nCredit Card Agreement & Disclosure 2\n\n\x0cc.\nd.\n\ne.\n\nas applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than certain participation fees for a credit card\naccount).\nPayment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 1 and 5 above in the Credit Card Agreement.\nSecurity Interest. The Credit Union\xe2\x80\x99s security interest in all your Credit Union shares or deposits pursuant to the Credit Card Agreement will not apply your Credit Card Account.\nA security interest in shares or deposits granted in connection with any other credit card account, loan or line of credit does not secure the Credit Card Account identified above,\nin spite of any provision that collateral securing one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share account specifically in\nconnection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our security interest as set forth above in\nthe Credit Card Agreement.\nCredit Union Toll-Free Telephone Number \xe2\x80\x93 800-452-0900. Call this number for verbal information about the Military Annual Percentage Rate and your payment obligation.\n\nYour Credit Card Billing Rights\nKeep this document for future use. This 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. If you think there is an error on your statement, write to us at: Unitus Community Credit Union, Attn: Contact Center P.O. Box 1937,\nPortland, OR 97207.\n. In your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nWhat Will Happen After We Receive Your Letter? When we receive your letter, we must do two things:\n1.\n2.\n\nWithin 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 error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\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.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf 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 statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If 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 purchase. To use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation, we 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.\n\nRevised 04/01/2020\n\nCredit Card Agreement & Disclosure 3\n\n\x0c'


b'Credit Card Rate Sheet\n& Initial Disclosure 04/01/2020\n\nPlatinum Rewards Visa Card\nINTEREST RATES AND INTEREST CHARGES\n\n740 +\n\nCredit Score\n\nAnnual Percentage Rates\n(APRs) for Purchases\n\n7.99%\n\n739 to 700\n\n699 to 660\n\n659 to 610\n\n609 to 560\n\n10.49% 10.99% 11.99% 13.49%\n\n559 or below\n\n15.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\nAnnual Percentage Rates\n(APRs) for Cash Advances\n\nAnnual Percentage Rates\n(APRs) for Balance Transfers\nPenalty APR\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n7.99%\n\n10.49%\n\n10.99%\n\n11.99%\n\n13.49%\n\n15.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\n7.99%\n\n10.49%\n\n10.99%\n\n11.99%\n\n13.49%\n\n15.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\nNone\nYour due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you\npay by the due date each month.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nFEES\n\nAnnual Fee\nTransaction Fees\n\nNone\nCash Advance\nForeign Transaction\n\nNone\nUp to 2% of the US dollar amount of the foreign transaction\n\nLate Payment\n$20\nPenalty Fees\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.\n\nClassic & Secured Visa Card\nINTEREST RATES AND INTEREST CHARGES\n\n740 +\n\nCredit Score\nAnnual Percentage Rates\n(APRs) for Purchases\n\nAnnual Percentage Rates\n(APRs) for Cash Advances\n\nAnnual Percentage Rates\n(APRs) for Balance Transfers\nPenalty APR\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n9.99%\n\n739 to 700\n\n699 to 660\n\n659 to 610\n\n609 to 560\n\n12.49% 12.99% 13.99% 15.49%\n\n559 or below\n\n17.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\n9.99%\n\n12.49%\n\n12.99%\n\n13.99%\n\n15.49%\n\n17.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\n9.99%\n\n12.49%\n\n12.99%\n\n13.99%\n\n15.49%\n\n17.49%\n\nWhen you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime\nRate.*\nNone\nYour due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you\npay by the due date each month.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nFEES\n\nAnnual Fee\nTransaction Fees\n\nNone\nCash Advance\nForeign Transaction\n\nPenalty Fees\n\nLate Payment\n\nNone\nUp to 2% of the US dollar amount of the foreign transaction\n$20\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.\n\nAdditional Information\nVariable Rate Information:* The index used to determine the U.S. Prime Rate is published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September,\nand December of each calendar year. If the third (3rd) Tuesday is a holiday, we will use the Prime Rate published the next day. If more than one Prime Rate is published we may choose the\nhighest rate. If The Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper\nof general circulation, or we may substitute a similar reference at our sole discretion. We may change the above rates, fees, and other cost information at any time in accordance with\napplicable law, along with the applicable Credit Account Agreement and Disclosure, that will be sent to you.\nMargins for APR\'s:\nPlatinum Rewards Visa Card - 4.74%, 7.24%, 7.74%, 8.74%, 10.24%, and 12.24% respectively.\nClassic and Secured Visa Cards - 6.74%, 9.24%, 9.74%, 10.74%, 12.24%, and 14.24% respectively.\nWe reserve the right to amend the Visa Credit Card Agreement as permitted by law. The above rates and fees are current as of 04/01/2020\n\n\x0c'