b"Low Rate Visa\xc2\xae Credit Card Disclosure\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n6.90%\n\nAnnual Percentage Rate\n(APR) for Cash Advances\n\n6.90%\n\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\n0.00% Introductory APR for 15 billing cycles, on transfers initiated within\n90 days of card opening.\nAfter that, your APR will be 6.90%\nIntroductory Balance transfers will have a fee of the greater of $25 or 3% of the amount\nof the balance transfer.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases (including balance\ntransfers) if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat: http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nl\n\nInternational Transaction Fee\n\n$0.00\n\nPenalty Fees\nl\nl\n\nLate Payment\nReturned Payment Charge\n\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (excluding new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Additional Disclosures Required by Federal\nLaw.\n\nMILITARY LENDING ACT DISCLOSURES\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account).\n\nADDITIONAL DISCLOSURES REQUIRED BY FEDERAL LAW\n1. INTEREST CHARGES: Purchases and Cash Advances made on your Account will be subject to an INTEREST CHARGE at a Periodic Rate of\n.5750%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) of 6.90%. During the first 15 billing cycles this account is open, Balance\nTransfers made on your account within 90 days of account opening will be subject to a INTEREST CHARGE at a Periodic Rate of .0000%, which\ncorresponds to an ANNUAL PERCENTAGE RATE (APR) of 0.0000%. Introductory Balance transfers will have a fee of the greater of $25 or 3% of\nthe amount of the balance transfer. After the first 15 billing cycles is complete, the portion of the balance transfers remaining that qualified for the\nintroductory APR of 0.0000% will then be subject to a finance charge at the Periodic Rate of .5750%, which corresponds to an ANNUAL\nPERCENTAGE RATE (APR) of 6.90%. Beginning on the first day after the account has been open for 90 days, Balance Transfers made on your\nAccount will be subject to a INTEREST CHARGE at a Periodic Rate of .5750%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) of\n6.90%.\nTo avoid paying INTEREST CHARGES on the balance of Purchases (including Balance Transfers) reflected on your monthly statement and, on any\nnew purchases appearing on your next monthly statement, you must pay the New Balance of Purchases, shown on your monthly statement, on or\nbefore the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The INTEREST CHARGES\nfor a billing cycle are computed by applying your monthly periodic rate to the Average Daily Balance of Purchases, which is determined by dividing the\nsum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by subtracting\n\n\x0cfrom the previous balance of Credit Purchases any payments received and credits as posted to your account, but excluding any unpaid Interest\nCharges and new purchase transactions.\nThe INTEREST CHARGE on Cash Advances begins to accrue on the date you obtain the Cash Advance or the first day of the billing cycle in which it is\nposted to your account, whichever is later. The INTEREST CHARGES for a billing cycle are computed by applying your monthly periodic rate to the\nAverage Daily Balance of Cash Advances. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new\nCash Advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up\nthe daily balances for the billing cycle and divide the total by the number of days in the billing cycle.\nYou can always keep the INTEREST CHARGE to a minimum by making payments, whatever the amount, as promptly and as often as possible.\n2. MINIMUM PAYMENT: We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current\ntransactions on your account, the remaining credit available under your Credit Line, the New Balances of Purchases and Cash Advances, the Total\nNew Balance, the INTEREST CHARGE due to date, and the Minimum Payment required. Every month you promise to pay at least the Minimum\nPayment by the date listed and to the address shown on your statement. You may, of course, pay more frequently, pay more than the Minimum\nPayment, or pay the Total New Balance in full, and you will reduce the INTEREST CHARGE by doing so. The Minimum Payment will be either (a) 2%\nof your Total New Balance, or $25.00, whichever is greater, or (b) your total New Balance, if it is less than $25.00 plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains unpaid. In addition, at any time your total New Balance exceeds your Credit Line, you agree to\nimmediately pay the excess.\n3. FEES AND CHARGES: You agree to pay the various fees and charges related to this Agreement and included in the Rate and Fee Schedule that is\naccessible to members upon request. You agree to pay any related charges that are imposed as a result of your use of the VISA Credit Card or an\nATM. Current fees associated with the VISA Credit Card include:\nl\n\nl\n\nl\nl\n\nl\n\nl\n\nl\n\nLate Payment: If the required minimum payment due under this Agreement is not paid within five days after the Closing Date subsequent to the\nPayment Due Date, your account may be charged, and you agree to pay, LATE CHARGE of $25.00. No further late charges will be imposed\nafter this Agreement has become due and payable in full due to default as specified in the section of the Agreement entitled \xe2\x80\x9cDefault.\nReturn Payments: If your payment is not honored by your Financial Institution, a RETURN PAYMENT PENALTY FEE of up to $25.00 may be\nassessed. Checks returned NSF (Non-Sufficient Funds) or UCF (Uncollectible Funds) are subject to electronic ACH representment.\nInternational Transaction Fee: $0.00\nStatement Copy Fee: Your account may be charged, and you agree to pay, a STATEMENT COPY FEE of $0.20 per page whenever you\nrequest an additional copy of your statement.\n2-Day Rush Card Fee: In general, there is no fee for lost Card replacement. However, if you ask us to expedite the delivery of a replacement\ncard, your account may be charged, and you agree to pay, a 2-Day Rush Card Fee of $30.00.\nInstant Reissue Card: At your request, in person at a location equipped to instant issue cards, we may charge an Instant Issue Replacement\nCard Fee of $5.00.\nPayment by Phone Fee: If you call us and ask us to apply a payment to your account, your account may be charged, and you agree to pay, a\nPayment by Phone Fee of $5.00.\n\n4. SECURITY INTEREST. As a condition of us granting you credit under the Agreement, you hereby agree to grant us a security\ninterest in all future shares and deposits with us, except Individual Retirement Accounts and other accounts which provide tax\nbenefits under state or federal laws, to secure the credit card Account. Upon default under the Agreement you agree that we may\napply all of your shares and deposits subject to this security interest to pay amounts due on the account under the Agreement.\nYou also agree to grant us a security interest in collateral (other than collateral consisting of (i) real estate that is your principal\nresidence; or (ii) household goods) securing other loans with us to secure credit under the Agreement.\n\nTERMS GOVERNING THE USE OF YOUR CARD\nTHIS IS YOUR AGREEMENT WITH DOW CHEMICAL EMPLOYEES\xe2\x80\x99 CREDIT UNION REGARDING RIGHTS AND RESPONSIBILITIES ASSOCIATED\nWITH YOUR LOW RATE VISA CREDIT CARD. PLEASE READ THIS DISCLOSURE CAREFULLY TO BE FAMILIAR WITH YOUR RIGHTS AND\nRESPONSIBILITIES. IT IS IMPORTANT TO RETAIN THIS NOTICE FOR FUTURE REFERENCE AND TO NOTIFY US AT ONCE IF ANY PARTS ARE\nUNCLEAR.\n1.\n\nWORDS OFTEN USED IN THIS AGREEMENT. The word \xe2\x80\x9cAgreement\xe2\x80\x9d means this Dow Chemical Employees\xe2\x80\x99 Credit Union Low Rate VISA Credit\nCard Agreement. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have applied for the Card or Cards. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the Low Rate VISA Credit Card or Cards, and any duplicates and renewals thereof, or substitutions thereof, we may issue to you. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans your Low Rate VISA Credit Card account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to Dow Chemical Employees\xe2\x80\x99 Credit Union.\n2. THIS IS YOUR CONTRACT WITH US. When your application is accepted by us, it becomes a binding contract. When you use the Card, or allow an\nauthorized user to use the Card, you promise to abide by the terms of this Agreement including all applicable laws. This Agreement is a Truth-in-Lending Disclosure Statement as well as a contract.\n3. SIGN THE CARD AND KEEP THIS AGREEMENT. You must sign the card before you use it. By using the Card, you are agreeing to comply with the\nterms of this agreement. However, your liability under this Agreement does not depend on whether you sign your Card. You should read this agreement and keep a copy for future reference.\n4. USING THE CARD. We will send you a Card or Cards embossed as you have directed. As soon as received, each Card must be signed (in the space\nprovided on the back) by the person whose name is embossed thereon. That signature must be in the same form as embossed on the front of the\nCard. To make a Purchase or Cash Advance, present the Card to a participating VISA plan merchant or financial institution, or to us, and sign the sales\ndraft or cash advance draft which will be imprinted with your Card. Please note that we are not responsible if a particular VISA plan merchant or financial institution refuses to honor your Card. You will receive a copy of any draft you sign when using the Card which you should retain to verify your\nmonthly statement. We will upon request furnish you with a copy of a draft. You may use your Card to make purchases and cash advances primarily for\npersonal, family, or household purposes, and not for business or commercial purposes. In addition, you may obtain cash advances from the Credit\nUnion or from other financial institutions that accept VISA Cards or ATMs that accept VISA Cards. Whenever you request an advance, we may require\nyou to prove your identity. When the amount advanced appears on a subsequent statement that will be conclusive evidence of the request. To obtain\nan advance at an ATM you must use a Personal Identification Number (PIN) that was issued for use with the Card.\n\n\x0c5.\n\n6.\n\n7.\n\n8.\n\n9.\n\n10.\n\n11.\n\n12.\n\n13.\n\nILLEGAL TRANSACTIONS. You agree that you will only use your Account for transactions that are legal where you reside. Internet gambling may\nbe illegal in the jurisdiction in which you are located. Display of a payment card logo by an on-line merchant does not mean that the transaction with that\nmerchant is legal where you reside. You agree not to use your Card for any illegal transactions. We will not be liable if you engage in any illegal transactions.\nPROMISE TO PAY. If we approve your application and issue you a Card, you promise to repay to us all debts and the INTEREST CHARGE thereon\narising from any authorized use of the Card. You agree not to let someone else use the card. If this Agreement is signed by two persons, the Account is\njoint; that is, each of you, separately and jointly with each other, is liable for all debts on the Account and INTEREST CHARGE thereon. Your obligation\nto pay all such debts and INTEREST CHARGE thereon continues even though an agreement, divorce decree or other court judgment to which we are\nnot a party may direct that only one of you, or some person other than you (or both of you), must pay such debts and INTEREST CHARGE.\nCREDIT LIMIT. If we approve your application, we will establish a self-replenishing credit limit for you and will notify you of the amount thereof (\xe2\x80\x9ccredit\nlimit\xe2\x80\x9d) in the mailer in which we will send you your Card. That mailer is hereby incorporated herein as part of this Agreement. You agree not to let your\nAccount Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized\nthe advance(s) which caused you to exceed your credit line. Unless you are in default, each payment you make on the Account will replenish your credit\nlimit by the part of that payment which is applied to principal. You may request an increase in the credit limit by a written application, which must be\napproved by us.\nWe may increase or decrease the limit from time to time or may, with good cause, revoke your Card and terminate this Agreement; in either event, we\nwill give you written notice of such action. \xe2\x80\x9cGood Cause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement or our adverse reevaluation of your\nCredit worthiness; in either event, we will give you written notice of such action. In the event your account is cancelled or revoked due to default, the\nbalance at the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be included within your Revolving\nCredit Agreement for collection at the same rate as set forth in the Revolving Credit Agreement. However, you may terminate this Agreement, at any\ntime and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and\nINTEREST CHARGE thereon arising from authorized use of your Card.\nThe Cards remain our property and you must recover and surrender to us all Cards upon our request or upon termination of this Agreement. We\nreserve the right not to re-issue a Card when an Account has been inactive for more than 12 months at the time it is scheduled to be reissued. In\naddition, for security reasons, your Card may be disabled within 60 days of its issuance if the Card has not been activated within that time.\nJOINT ACCOUNTS. If more than one person signs the application, each person who signs it promises to pay all amounts owed to us under this Agreement. Each of you authorizes the other(s) to make purchases, withdrawals or cash advances individually. Any one of you may cancel the Account. The\ncancellation will be effective to all of you. Each of you is jointly and severally obligated. This means that we may collect money owed to us from each of\nyou or from all of you regardless of your current domestic relationship or other legal proceedings. In any event, all of you will continue to be jointly and\nseverally obligated until all cards are returned and the debt is extinguished.\nAUTHORIZED USERS. You may allow Authorized Users on your Account in the following ways: (1) notifying us that you want someone added to the\naccount as an Authorized User; (2) by lending your Card or Account Number to another; or (3) by any other means in which you would be legally considered to have allowed another to use your Account or be legally prevented from denying that you did so. You should think carefully before you allow\nsomeone to become an Authorized User. By doing so, you authorize the person to use your Account to the same extent you can, including but not limited to making Purchases, Cash Advances, Balance Transfers and allowing others to use your Account. Your Account does not permit you to limit the\nnature or amount of authority you give to any Authorized User and you agree that you will not attempt to do so. An Authorized User\xe2\x80\x99s authority will continue until you both notify us that you are terminating the authority and you physically retrieve the Card. If you cannot retrieve the Card, you will remain\nliable for any transactions we cannot prevent after you notify us.\nPERIODIC STATEMENTS. We will mail you a statement every month showing your previous balance, purchases and cash advances, payments\nmade on your account, periodic rate, annual percentage rate, finance charge and its method of computation, any other charges, grace period, payment due date, procedures for error resolution, Minimum Payment required, and the closing date with corresponding New Balance for the billing cycle.\nYou may not receive a statement on your Account if there has been no activity or if collections procedures have been initiated against you because you\nare in default. Each statement is deemed to be a correct statement unless you establish a billing error pursuant to the Federal Truth in Lending Act as\ndescribed in this Agreement.\nPAYMENT AND PAYMENT ALLOCATION. Provided your Account has a balance, a minimum monthly payment is due each and every month, even\nif you pay more in a given month than what is required. You agree to make payments in U.S. dollars drawn on a U.S. bank. We will apply your payments\nin any manner we choose, at our discretion, except as otherwise provided by law. All payments will be processed as of the close of the business day on\nwhich they are received. We reserve the right to change the manner in which payments are allocated.\nDISPUTED BALANCE PAYMENTS. Any payment check or other form of payment that you send us for less than the full balance due that is marked\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to the attention of the\nCredit Card Disputes Department, Dow Chemical Employees\xe2\x80\x99 Credit Union, 600 E Lyon Rd, Midland, PO Box 1649, MI 48641-1649. We reserve all\nour rights regarding these payments (e.g. if it is determined that there is no valid dispute or if any such check is received at any other address, we may\naccept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it, or destroying it. All other payments that you make should be sent to the appropriate payment address.\nDEFAULT. You will be in default and we may, to the extent permitted by law, terminate your credit line and declare the entire unpaid balance of the\naccount immediately due and payable, under any of the following conditions:\nl\nyou fail to make the minimum payment by the statement payment due date;\nl\nyou breach any other promises made in or conditions of the Agreement and/or any other agreement with us;\nl\nyou use your card for an illegal transaction;\nl\nif you become involved in any insolvency, receivership, guardianship, conservatorship, or any other proceeding which determines you are\nincapable of managing your financial affairs, including filing for Bankruptcy;\nl\nyou have made a false or misleading statement in your credit application and/or in your representation to us while you owe money on your\naccount;\nl\na judgment or tax lien is filed against you or any attachment or garnishment is issued against any of your property or accounts, including anyone\nstarting an action or proposing to seize any of your funds on deposit with us;\nl\nwe in good faith determine that your creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in\nemployment, increase in your other obligations, or because of any other reason, time being of the very essence;\nl\nyou die; or\nl\ngovernment action precludes us from imposing the annual percentage rate or a government authority has notified us that continued advances\nconstitute an unsafe and unsound practice.\n\n\x0c14. COLLECTION COSTS. You also agree that, in case of default, you will pay all usual and customary costs of collection permitted by law, including, but\nnot limited to, attorney fees and expenses incurred by us in the enforcement of this agreement.\n15. DELAY OR FAILURE TO ENFORCE. We do not lose our rights under this or any related agreement if we delay or fail to enforce them. We can\naccept late payments, partial payments or any other payments without losing any of our rights under this Agreement.\n16. NOTIFICATION OF ADDRESS CHANGE. You agree to notify us promptly if you change your name, address or telephone number.\n17. ADDRESS FOR NOTICES TO US. Except as otherwise expressly provided, all notices under this Agreement must be in writing and mailed to Dow\nChemical Employees\xe2\x80\x99 Credit Union, 600 E Lyon Rd, PO Box 1649 Midland, MI 48641-1649.\n18. CHANGE IN TERMS. From time to time, we may amend this Agreement by mailing a written notice of the amendment to you at the last address\nshown for you in our records. In the event the terms we are changing require advance notice by law, we will comply with the requirements of that law.\n19. YOU MAY CANCEL THE ACCOUNT. You may cancel the account whenever you choose. If you do, you agree to cut each Card in half and return it\nto us at the address shown in Section 17 above, along with your written notification that you wish to cancel the account. Such cancellation will become\neffective within five days after the notice is received by us. You will still be responsible for the repayment of any outstanding balance on your account\nand any other amounts that have not yet been billed to you.\n20. WE MAY CANCEL THE ACCOUNT. We have the right to cancel the account at any time upon written notice sent to you at the last address shown for\nyou in our records. If we cancel the Account, you agree to discontinue the use of the Cards, and to return the Cards to us, at our request.\n21. CREDIT REPORTING AGENCIES. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account, and you\nauthorize us to disclose information regarding our experience with you under this Agreement to consumer reporting agencies, bureaus and other creditors. If you request it we will provide the name and address of each consumer reporting agency used for this purpose. If you believe we have reported\ninaccurate information about you to a consumer reporting agency, please notify us at the address provided above in Section 17. In doing so, please\nidentify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that contains the alleged inaccurate\ninformation, please send us a copy of that report as well. You are hereby notified that negative information will be provided to appropriate\nconsumer reporting agencies if you fail to perform your obligations under this agreement.\n22. TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal location, or financial institution at which transactions\nwere made, but sales, cash advances, credit or other slips cannot be returned with each statement. You must retain the copy of such slips furnished at\nthe time of each transaction in order to verify the transactions listed on your statement. You agree to pay a reasonable fee for photocopies of transaction slips that you request.\n23. CREDITS. If merchants who honor your Card give you a credit for returns or adjustments, they will do so by sending us a credit slip which we will post to\nyour Account. You should keep your copy of the credit slip to verify your monthly statement. If your credits and payments exceed what you owe us on\nthe Account we will credit such excess to the Account and, if the amount is $1.00 or more, we will credit it to your credit union share account after two (2)\nmonths or upon your written request.\n24. INTERNATIONAL TRANSACTIONS. If You incur charges in any foreign country or in any foreign currency, such charges will be converted to U.S.\ndollars. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the\ntransaction. You agree to pay the converted amount to us in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the\nrate VISA itself receives, or the government mandated rate in effect for the applicable central processing date.\n25. TRANSACTIONS WITH MERCHANTS.\nl\nReturn Policies \xe2\x80\x93 If a merchant discloses a policy such as but not limited to \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d or \xe2\x80\x9call sales final\xe2\x80\x9d you will be bound\nby that policy when you use your Account to buy goods or services from that merchant.\nl\nReservations \xe2\x80\x93 When using your Account to make a travel or lodging reservation, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if you\nwish to cancel. If you cancel, obtain the merchant\xe2\x80\x99s cancellation number that they are required to provide to you. The merchant may charge you\nfor a cancelled transaction unless you can provide us with the merchant\xe2\x80\x99s cancellation number.\nl\nRecurring Transactions \xe2\x80\x93 If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the\nmerchant, and not us, when you want to discontinue the repeat transactions.\nl\nDispute Access \xe2\x80\x93 If you disagree with a transaction on your statement or have a dispute with a merchant as a result of a transaction, you agree to\nprovide us with information and assistance we reasonably request. Otherwise, you will pay us for any resulting loss we have, unless we are\nprohibited by law from holding you liable for our loss.\n26. CARD AGREEMENT. You understand that your VISA Credit Card is issued by us, remains our property, and is subject to rules governing ATM networks, which financial institutions must follow. The cards are not transferable. By using your card, you are agreeing to the following additional terms:\n(1) To abide by the rules and regulations and those of the participating ATM network as may be amended; (2) That we and the ATM network may follow all electronic instructions given through the ATM; (3) that we may restrict the use of or terminate your card at any time without notice to prevent loss\nto your account or to the Credit Union; (4) your Card may not be used for any illegal transaction.\n27. DAILY LIMITS. You agree to adhere to any daily limits established by the Credit Union in conformance with the ATM network agreement and which\nare subject to modification to preserve the integrity of the ATM network and prevent loss to the Credit Union or its members. You may be restricted to\nno more than three cash advances per day, and no more than $500 per day, for transactions made at an ATM.\n28. PERSONAL IDENTIFICATION NUMBER (PIN). Generally, you will receive a Personal Identification Number (PIN). You agree to keep the PIN confidential. You also agree you won\xe2\x80\x99t write the PIN on the Card or anything you keep with the Card. Your use of the PIN and Card in getting a Cash\nAdvance or making a Purchase is agreed to constitute your signature for purposes of such transactions. You can also use your card together with your\nPersonal Identification Number (PIN) to get a Cash Advance from an Automated Teller Machine (ATM) in the VISA Network, to get a Cash Advance\nfrom a VISA financial institution, or to make a Purchase from a merchant that uses the Card in an electronic terminal that accesses the VISA system. IF\nYOU FORGET OR DO NOT ENTER YOUR PIN CORRECTLY, THE ATM MAY KEEP YOUR CARD THE THIRD TIME THE PIN IS ENTERED\nINCORRECTLY. THIS PROCEDURE IS FOR SECURITY MEASURES. KEEP YOUR PIN IN A SECRET PLACE. If you authorize us to issue a Card\nto anyone else for use through any electronic access device, you are authorizing that individual to withdraw funds from any account which can be\naccessed by that card, regardless of whether that individual is authorized to withdraw money from the account for any other means.\n29. LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS. We will not be liable for transactions that are not completed if any of the following\ncircumstances apply:\nl\nThrough no fault of ours, you do not have sufficient funds available in your credit line;\nl\nThe transaction would cause you to exceed your credit limit;\nl\nThe ATM where you are requesting a cash advance does not have enough cash;\nl\nThe terminal or system was not working properly and you knew of the malfunction at the time you initiated the transactions;\n\n\x0cCircumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions we have taken;\nYour Card is retrieved or retained by the ATM;\nl\nYour Card or PIN has been reported lost or stolen and your account has been blocked or frozen;\nl\nYour account is in default;\nl\nYou or anyone authorized by you to conduct a transaction commits fraud or violates any laws or regulations; or\nl\nYou fail to follow the instructions on the screen or terminal.\n30. LIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use\nthat occurs after you notify Us at the address or telephone number set forth below. You must notify us orally or in writing of the loss, theft, or possible\nunauthorized use. In any case, your liability will not exceed $50.00. Notify us at:\nl\nl\n\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\n800-449-7728\n31.\n\n32.\n33.\n\n34.\n35.\n36.\n\n37.\n\n38.\n39.\n\n40.\n41.\n\nLIMITATIONS OF RESPONSIBILITY. We will not be responsible for merchandise or services purchased by you with the Card. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept your card(s) or electronic terminals to honor them or complete a transaction, or for their retention of the Card(s).\nBUSINESS DAY. Our business days are Monday through Friday. Saturdays, Sundays and federal holidays are excluded.\nGOVERNING LAW. The Agreement and your Account and any claim, dispute, or controversy arising from or relating to this Agreement or your\nAccount, whether based on contract, tort, fraud, and other intentional torts, statute, common law and/or equity, are governed by and construed in\naccordance with the laws of the State of Michigan (without regard to its conflicts of laws principles or rules) and applicable federal laws. The legality,\nenforceability and interpretation of this Agreement and the amounts contracted for, charged and received under this Agreement will be governed by\nsuch laws. This Agreement is entered into between you and us in the State of Michigan, and we make credit decisions under this Agreement from the\nState of Michigan. To the extent allowed by applicable law, You further consent to the jurisdiction and venue of the State or Federal Courts located in\nMidland County, Michigan.\nASSIGNMENT. We may sell, assign or transfer all or any portion of your Account, or any balance due under your Account, without prior notice to you.\nYou may not sell, assign or transfer your Account or any obligations under this Agreement.\nLOST/STOLEN CARDS. You agree to notify us immediately upon discovering that your Card has been lost or stolen by calling us at 800 449 7728, 24\nhours per day.\nINFORMATION ABOUT YOU AND YOUR ACCOUNT. We will not disclose your non-public personal information to unaffiliated third parties except\nas otherwise permitted or authorized by law. Please refer to our Privacy Policy Notice for a full explanation of how we protect your information. You\nmay obtain a copy of our Privacy Policy Notice by visiting www.dcecu.org or by calling us at 989-835-7794.\nBENEFITS AND PROGRAMS. We may from time to time offer additional services to your Accounts or special programs related to you being a Cardholder, such as the option for eligible cardholders to skip a payment in January, at no additional cost to you beyond normal INTEREST CHARGE. You\nunderstand and agree that we are not obligated to offer such services or programs and may withdraw or change them at any time.\nSEVERABILITY. If any provision of this Agreement is determined to be void or unenforceable under applicable law, regulation, or rule, all other provisions of this Agreement shall be valid and enforceable.\nENTIRE AGREEMENT / EFFECT OF AGREEMENT. This Agreement, together with any application you signed or otherwise submitted in connection with the Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating\nto your Account, supersedes any other prior or contemporaneous agreement between you and us relating to your Account, and applies to every transaction relating to the Account even though a sales or cash advance draft you sign or a credit slip may contain different terms. This Agreement may not\nbe amended except in accordance with the provisions of this Agreement. You further acknowledge receipt of a copy of this Agreement.\nCREDIT UNION MEMBERSHIP. You understand and agree that one of the requirements for obtaining this Account is your continued status as a\nmember of the Credit Union. Upon termination of that membership, you can no longer obtain credit with the Card.\nCOMMUNICATION MONITORING AND RECORDING. You agree that we, our agents, and our service companies may monitor and/or record any\ntelephone and/or electronic communications between you and us.\n\n\x0cYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\n\nThis notice informs you about your rights and 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:\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\nIn your letter, give us the following information:\nl\nAccount information: Your name and account number.\nl\nDollar Amount: The dollar amount of the suspected error.\nl\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:\nl\nWithin 60 days after the error appeared on your statement.\nl\nAt 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. If you call us, we are not required to investigate any potential errors and you may be required to pay the\namount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days after 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.\n\nWhile we investigate whether or not there has been an error:\nl\nl\nl\nl\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:\nl\nl\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 questions, along with applicable interest and fees. We will send you a statement 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 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\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, 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 $50.00 of the amount in question, even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining 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\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat 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\ncard 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:\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\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\npoint, if we think you owe an amount and you do not pay, we may report you as delinquent.\nDOW CHEMICAL EMPLOYEES' CREDIT UNION\n989.835.7794 \xe2\x80\xa2 800.835.7794\nwww.dcecu.org\nLast Revised: February 2, 2018\n\n\x0c"


b"Rewards Visa\xc2\xae Credit Card Disclosure\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n9.90%\n\nAnnual Percentage Rate\n(APR) for Cash Advances\n\n9.90%\n\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\n9.90%\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases (including balance\ntransfers) if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat: http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nl\n\nInternational Transaction Fee\n\n$0.00\n\nPenalty Fees\nl\nl\n\nLate Payment\nReturned Payment Charge\n\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (excluding new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Additional Disclosures Required by Federal\nLaw.\n\nMILITARY LENDING ACT DISCLOSURES\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account).\n\nADDITIONAL DISCLOSURES REQUIRED BY FEDERAL LAW\n1. INTEREST CHARGES: Purchases, Balance Transfers, and Cash Advances made on your Account will be subject to an INTEREST CHARGE at a\nPeriodic Rate of .8250%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) of 9.90%.\nTo avoid paying INTEREST CHARGES on the balance of Purchases (including Balance Transfers) reflected on your monthly statement and, on any\nnew purchases appearing on your next monthly statement, you must pay the New Balance of Purchases, shown on your monthly statement, on or\nbefore the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The INTEREST CHARGES\nfor a billing cycle are computed by applying your monthly periodic rate to the Average Daily Balance of Purchases, which is determined by dividing the\nsum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by subtracting\nfrom the previous balance of Credit Purchases any payments received and credits as posted to your account, but excluding any unpaid Interest\nCharges and new purchase transactions.\nThe INTEREST CHARGE on Cash Advances begins to accrue on the date you obtain the Cash Advance or the first day of the billing cycle in which it is\nposted to your account, whichever is later. The INTEREST CHARGES for a billing cycle are computed by applying your monthly periodic rate to the\nAverage Daily Balance of Cash Advances. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new\nCash Advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up\nthe daily balances for the billing cycle and divide the total by the number of days in the billing cycle.\nYou can always keep the INTEREST CHARGE to a minimum by making payments, whatever the amount, as promptly and as often as possible.\n2. MINIMUM PAYMENT: We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current\ntransactions on your account, the remaining credit available under your Credit Line, the New Balances of Purchases and Cash Advances, the Total\n\n\x0cNew Balance, the INTEREST CHARGE due to date, and the Minimum Payment required. Every month you promise to pay at least the Minimum\nPayment by the date listed and to the address shown on your statement. You may, of course, pay more frequently, pay more than the Minimum\nPayment, or pay the Total New Balance in full, and you will reduce the INTEREST CHARGE by doing so. The Minimum Payment will be either (a) 2%\nof your Total New Balance, or $25.00, whichever is greater, or (b) your total New Balance, if it is less than $25.00 plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains unpaid. In addition, at any time your total New Balance exceeds your Credit Line, you agree to\nimmediately pay the excess.\n3. FEES AND CHARGES: You agree to pay the various fees and charges related to this Agreement and included in the Rate and Fee Schedule that is\naccessible to members upon request. You agree to pay any related charges that are imposed as a result of your use of the VISA Credit Card or an\nATM. Current fees associated with the VISA Credit Card include:\nl\n\nl\n\nl\nl\n\nl\n\nl\n\nl\n\nLate Payment: If the required minimum payment due under this Agreement is not paid within five days after the Closing Date subsequent to the\nPayment Due Date, your account may be charged, and you agree to pay, LATE CHARGE of $25.00. No further late charges will be imposed\nafter this Agreement has become due and payable in full due to default as specified in the section of the Agreement entitled \xe2\x80\x9cDefault.\nReturn Payments: If your payment is not honored by your Financial Institution, a RETURN PAYMENT PENALTY FEE of up to $25.00 may be\nassessed. Checks returned NSF (Non-Sufficient Funds) or UCF (Uncollectible Funds) are subject to electronic ACH representment.\nInternational Transaction Fee: $0.00\nStatement Copy Fee: Your account may be charged, and you agree to pay, a STATEMENT COPY FEE of $0.20 per page whenever you\nrequest an additional copy of your statement.\n2-Day Rush Card Fee: In general, there is no fee for lost Card replacement. However, if you ask us to expedite the delivery of a replacement\ncard, your account may be charged, and you agree to pay, a 2-Day Rush Card Fee of $30.00.\nInstant Re-Issue Card: At your request, in person at a location equipped to instant issue cards, we may charge an Instant Issue Replacement\nCard Fee of $5.00.\nPayment by Phone Fee: If you call us and ask us to apply a payment to your account, your account may be charged, and you agree to pay, a\nPayment by Phone Fee of $5.00.\n\n4. SECURITY INTEREST. As a condition of us granting you credit under the Agreement, you hereby agree to grant us a security\ninterest in all future shares and deposits with us, except Individual Retirement Accounts and other accounts which provide tax\nbenefits under state or federal laws, to secure the credit card Account. Upon default under the Agreement you agree that we may\napply all of your shares and deposits subject to this security interest to pay amounts due on the account under the Agreement.\nYou also agree to grant us a security interest in collateral (other than collateral consisting of (i) real estate that is your principal\nresidence; or (ii) household goods) securing other loans with us to secure credit under the Agreement.\n\nTERMS GOVERNING THE USE OF YOUR CARD\nTHIS IS YOUR AGREEMENT WITH DOW CHEMICAL EMPLOYEES\xe2\x80\x99 CREDIT UNION REGARDING RIGHTS AND RESPONSIBILITIES ASSOCIATED\nWITH YOUR REWARDS VISA CREDIT CARD. PLEASE READ THIS DISCLOSURE CAREFULLY TO BE FAMILIAR WITH YOUR RIGHTS AND\nRESPONSIBILITIES. IT IS IMPORTANT TO RETAIN THIS NOTICE FOR FUTURE REFERENCE AND TO NOTIFY US AT ONCE IF ANY PARTS ARE\nUNCLEAR.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\n7.\n\nWORDS OFTEN USED IN THIS AGREEMENT. The word \xe2\x80\x9cAgreement\xe2\x80\x9d means this Dow Chemical Employees\xe2\x80\x99 Credit Union Rewards VISA Credit\nCard Agreement. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have applied for the Card or Cards. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the Rewards VISA Credit Card or Cards, and any duplicates and renewals thereof, or substitutions thereof, we may issue to you. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans your Rewards VISA Credit Card account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to Dow Chemical Employees\xe2\x80\x99 Credit Union.\nTHIS IS YOUR CONTRACT WITH US. When your application is accepted by us, it becomes a binding contract. When you use the Card, or allow an\nauthorized user to use the Card, you promise to abide by the terms of this Agreement including all applicable laws. This Agreement is a Truth-in-Lending Disclosure Statement as well as a contract.\nSIGN THE CARD AND KEEP THIS AGREEMENT. You must sign the card before you use it. By using the Card, you are agreeing to comply with the\nterms of this agreement. However, your liability under this Agreement does not depend on whether you sign your Card. You should read this agreement and keep a copy for future reference.\nUSING THE CARD. We will send you a Card or Cards embossed as you have directed. As soon as received, each Card must be signed (in the space\nprovided on the back) by the person whose name is embossed thereon. That signature must be in the same form as embossed on the front of the\nCard. To make a Purchase or Cash Advance, present the Card to a participating VISA plan merchant or financial institution, or to us, and sign the sales\ndraft or cash advance draft which will be imprinted with your Card. Please note that we are not responsible if a particular VISA plan merchant or financial institution refuses to honor your Card. You will receive a copy of any draft you sign when using the Card which you should retain to verify your\nmonthly statement. We will upon request furnish you with a copy of a draft. You may use your Card to make purchases and cash advances primarily for\npersonal, family, or household purposes, and not for business or commercial purposes. In addition, you may obtain cash advances from the Credit\nUnion or from other financial institutions that accept VISA Cards or ATMs that accept VISA Cards. Whenever you request an advance, we may require\nyou to prove your identity. When the amount advanced appears on a subsequent statement that will be conclusive evidence of the request. To obtain\nan advance at an ATM you must use a Personal Identification Number (PIN) that was issued for use with the Card.\nILLEGAL TRANSACTIONS. You agree that you will only use your Account for transactions that are legal where you reside. Internet gambling may\nbe illegal in the jurisdiction in which you are located. Display of a payment card logo by an on-line merchant does not mean that the transaction with that\nmerchant is legal where you reside. You agree not to use your Card for any illegal transactions. We will not be liable if you engage in any illegal transactions.\nPROMISE TO PAY. If we approve your application and issue you a Card, you promise to repay to us all debts and the INTEREST CHARGE thereon\narising from any authorized use of the Card. You agree not to let someone else use the card. If this Agreement is signed by two persons, the Account is\njoint; that is, each of you, separately and jointly with each other, is liable for all debts on the Account and INTEREST CHARGE thereon. Your obligation\nto pay all such debts and INTEREST CHARGE thereon continues even though an agreement, divorce decree or other court judgment to which we are\nnot a party may direct that only one of you, or some person other than you (or both of you), must pay such debts and INTEREST CHARGE.\nCREDIT LIMIT. If we approve your application, we will establish a self-replenishing credit limit for you and will notify you of the amount thereof (\xe2\x80\x9ccredit\nlimit\xe2\x80\x9d) in the mailer in which we will send you your Card. That mailer is hereby incorporated herein as part of this Agreement. You agree not to let your\nAccount Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized\n\n\x0c8.\n\n9.\n\n10.\n\n11.\n\n12.\n\n13.\n\nthe advance(s) which caused you to exceed your credit line. Unless you are in default, each payment you make on the Account will replenish your credit\nlimit by the part of that payment which is applied to principal. You may request an increase in the credit limit by a written application, which must be\napproved by us.\nWe may increase or decrease the limit from time to time or may, with good cause, revoke your Card and terminate this Agreement; in either event, we\nwill give you written notice of such action. \xe2\x80\x9cGood Cause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement or our adverse reevaluation of your\nCredit worthiness; in either event, we will give you written notice of such action. In the event your account is cancelled or revoked due to default, the\nbalance at the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be included within your Revolving\nCredit Agreement for collection at the same rate as set forth in the Revolving Credit Agreement. However, you may terminate this Agreement, at any\ntime and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and\nINTEREST CHARGE thereon arising from authorized use of your Card.\nThe Cards remain our property and you must recover and surrender to us all Cards upon our request or upon termination of this Agreement. We\nreserve the right not to re-issue a Card when an Account has been inactive for more than 12 months at the time it is scheduled to be reissued. In\naddition, for security reasons, your Card may be disabled within 60 days of its issuance if the Card has not been activated within that time.\nJOINT ACCOUNTS. If more than one person signs the application, each person who signs it promises to pay all amounts owed to us under this Agreement. Each of you authorizes the other(s) to make purchases, withdrawals or cash advances individually. Any one of you may cancel the Account. The\ncancellation will be effective to all of you. Each of you is jointly and severally obligated. This means that we may collect money owed to us from each of\nyou or from all of you regardless of your current domestic relationship or other legal proceedings. In any event, all of you will continue to be jointly and\nseverally obligated until all cards are returned and the debt is extinguished.\nAUTHORIZED USERS. You may allow Authorized Users on your Account in the following ways: (1) notifying us that you want someone added to the\naccount as an Authorized User; (2) by lending your Card or Account Number to another; or (3) by any other means in which you would be legally considered to have allowed another to use your Account or be legally prevented from denying that you did so. You should think carefully before you allow\nsomeone to become an Authorized User. By doing so, you authorize the person to use your Account to the same extent you can, including but not limited to making Purchases, Cash Advances, Balance Transfers and allowing others to use your Account. Your Account does not permit you to limit the\nnature or amount of authority you give to any Authorized User and you agree that you will not attempt to do so. An Authorized User\xe2\x80\x99s authority will continue until you both notify us that you are terminating the authority and you physically retrieve the Card. If you cannot retrieve the Card, you will remain\nliable for any transactions we cannot prevent after you notify us.\nPERIODIC STATEMENTS. We will mail you a statement every month showing your previous balance, purchases and cash advances, payments\nmade on your account, periodic rate, annual percentage rate, finance charge and its method of computation, any other charges, grace period, payment due date, procedures for error resolution, Minimum Payment required, and the closing date with corresponding New Balance for the billing cycle.\nYou may not receive a statement on your Account if there has been no activity or if collections procedures have been initiated against you because you\nare in default. Each statement is deemed to be a correct statement unless you establish a billing error pursuant to the Federal Truth in Lending Act as\ndescribed in this Agreement.\nPAYMENT AND PAYMENT ALLOCATION. Provided your Account has a balance, a minimum monthly payment is due each and every month, even\nif you pay more in a given month than what is required. You agree to make payments in U.S. dollars drawn on a U.S. bank. We will apply your payments\nin any manner we choose, at our discretion, except as otherwise provided by law. All payments will be processed as of the close of the business day on\nwhich they are received. We reserve the right to change the manner in which payments are allocated.\nDISPUTED BALANCE PAYMENTS. Any payment check or other form of payment that you send us for less than the full balance due that is marked\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to the attention of the\nCredit Card Disputes Department, Dow Chemical Employees\xe2\x80\x99 Credit Union, 600 E Lyon Rd, Midland, PO Box 1649, MI 48641-1649. We reserve all\nour rights regarding these payments (e.g. if it is determined that there is no valid dispute or if any such check is received at any other address, we may\naccept the check and you will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it, or destroying it. All other payments that you make should be sent to the appropriate payment address.\nDEFAULT. You will be in default and we may, to the extent permitted by law, terminate your credit line and declare the entire unpaid balance of the\naccount immediately due and payable, under any of the following conditions:\nl\nyou fail to make the minimum payment by the statement payment due date;\nl\nyou breach any other promises made in or conditions of the Agreement and/or any other agreement with us;\nl\nyou use your card for an illegal transaction;\nl\nif you become involved in any insolvency, receivership, guardianship, conservatorship, or any other proceeding which determines you are\nincapable of managing your financial affairs, including filing for Bankruptcy;\nl\nyou have made a false or misleading statement in your credit application and/or in your representation to us while you owe money on your\naccount;\nl\na judgment or tax lien is filed against you or any attachment or garnishment is issued against any of your property or accounts, including anyone\nstarting an action or proposing to seize any of your funds on deposit with us;\nl\nwe in good faith determine that your creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in\nemployment, increase in your other obligations, or because of any other reason, time being of the very essence;\nl\nyou die; or\nl\ngovernment action precludes us from imposing the annual percentage rate or a government authority has notified us that continued advances\nconstitute an unsafe and unsound practice.\n\n14. COLLECTION COSTS. You also agree that, in case of default, you will pay all usual and customary costs of collection permitted by law, including, but\nnot limited to, attorney fees and expenses incurred by us in the enforcement of this agreement.\n15. DELAY OR FAILURE TO ENFORCE. We do not lose our rights under this or any related agreement if we delay or fail to enforce them. We can\naccept late payments, partial payments or any other payments without losing any of our rights under this Agreement.\n16. NOTIFICATION OF ADDRESS CHANGE. You agree to notify us promptly if you change your name, address or telephone number.\n17. ADDRESS FOR NOTICES TO US. Except as otherwise expressly provided, all notices under this Agreement must be in writing and mailed to Dow\nChemical Employees\xe2\x80\x99 Credit Union, 600 E Lyon Rd, PO Box 1649 Midland, MI 48641-1649.\n18. CHANGE IN TERMS. From time to time, we may amend this Agreement by mailing a written notice of the amendment to you at the last address\nshown for you in our records. In the event the terms we are changing require advance notice by law, we will comply with the requirements of that law.\n19. YOU MAY CANCEL THE ACCOUNT. You may cancel the account whenever you choose. If you do, you agree to cut each Card in half and return it\nto us at the address shown in Section 17 above, along with your written notification that you wish to cancel the account. Such cancellation will become\n\n\x0c20.\n21.\n\n22.\n\n23.\n\n24.\n\n25.\n\n26.\n\n27.\n\n28.\n\n29.\n\n30.\n\neffective within five days after the notice is received by us. You will still be responsible for the repayment of any outstanding balance on your account\nand any other amounts that have not yet been billed to you.\nWE MAY CANCEL THE ACCOUNT. We have the right to cancel the account at any time upon written notice sent to you at the last address shown for\nyou in our records. If we cancel the Account, you agree to discontinue the use of the Cards, and to return the Cards to us, at our request.\nCREDIT REPORTING AGENCIES. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account, and you\nauthorize us to disclose information regarding our experience with you under this Agreement to consumer reporting agencies, bureaus and other creditors. If you request it we will provide the name and address of each consumer reporting agency used for this purpose. If you believe we have reported\ninaccurate information about you to a consumer reporting agency, please notify us at the address provided above in Section 17. In doing so, please\nidentify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that contains the alleged inaccurate\ninformation, please send us a copy of that report as well. You are hereby notified that negative information will be provided to appropriate\nconsumer reporting agencies if you fail to perform your obligations under this agreement.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal location, or financial institution at which transactions\nwere made, but sales, cash advances, credit or other slips cannot be returned with each statement. You must retain the copy of such slips furnished at\nthe time of each transaction in order to verify the transactions listed on your statement. You agree to pay a reasonable fee for photocopies of transaction slips that you request.\nCREDITS. If merchants who honor your Card give you a credit for returns or adjustments, they will do so by sending us a credit slip which we will post to\nyour Account. You should keep your copy of the credit slip to verify your monthly statement. If your credits and payments exceed what you owe us on\nthe Account we will credit such excess to the Account and, if the amount is $1.00 or more, we will credit it to your credit union share account after two (2)\nmonths or upon your written request.\nINTERNATIONAL TRANSACTIONS. If You incur charges in any foreign country or in any foreign currency, such charges will be converted to U.S.\ndollars. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the\ntransaction. You agree to pay the converted amount to us in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the\nrate VISA itself receives, or the government mandated rate in effect for the applicable central processing date.\nTRANSACTIONS WITH MERCHANTS.\nl\nReturn Policies \xe2\x80\x93 If a merchant discloses a policy such as but not limited to \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d or \xe2\x80\x9call sales final\xe2\x80\x9d you will be bound\nby that policy when you use your Account to buy goods or services from that merchant.\nl\nReservations \xe2\x80\x93 When using your Account to make a travel or lodging reservation, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if you\nwish to cancel. If you cancel, obtain the merchant\xe2\x80\x99s cancellation number that they are required to provide to you. The merchant may charge you\nfor a cancelled transaction unless you can provide us with the merchant\xe2\x80\x99s cancellation number.\nl\nRecurring Transactions \xe2\x80\x93 If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the\nmerchant, and not us, when you want to discontinue the repeat transactions.\nl\nDispute Access \xe2\x80\x93 If you disagree with a transaction on your statement or have a dispute with a merchant as a result of a transaction, you agree to\nprovide us with information and assistance we reasonably request. Otherwise, you will pay us for any resulting loss we have, unless we are\nprohibited by law from holding you liable for our loss.\nCARD AGREEMENT. You understand that your VISA Credit Card is issued by us, remains our property, and is subject to rules governing ATM networks, which financial institutions must follow. The cards are not transferable. By using your card, you are agreeing to the following additional terms:\n(1) To abide by the rules and regulations and those of the participating ATM network as may be amended; (2) That we and the ATM network may follow all electronic instructions given through the ATM; (3) that we may restrict the use of or terminate your card at any time without notice to prevent loss\nto your account or to the Credit Union; (4) your Card may not be used for any illegal transaction.\nDAILY LIMITS. You agree to adhere to any daily limits established by the Credit Union in conformance with the ATM network agreement and which\nare subject to modification to preserve the integrity of the ATM network and prevent loss to the Credit Union or its members. You may be restricted to\nno more than three cash advances per day, and no more than $500 per day, for transactions made at an ATM.\nPERSONAL IDENTIFICATION NUMBER (PIN). Generally, you will receive a Personal Identification Number (PIN). You agree to keep the PIN confidential. You also agree you won\xe2\x80\x99t write the PIN on the Card or anything you keep with the Card. Your use of the PIN and Card in getting a Cash\nAdvance or making a Purchase is agreed to constitute your signature for purposes of such transactions. You can also use your card together with your\nPersonal Identification Number (PIN) to get a Cash Advance from an Automated Teller Machine (ATM) in the VISA Network, to get a Cash Advance\nfrom a VISA financial institution, or to make a Purchase from a merchant that uses the Card in an electronic terminal that accesses the VISA system. IF\nYOU FORGET OR DO NOT ENTER YOUR PIN CORRECTLY, THE ATM MAY KEEP YOUR CARD THE THIRD TIME THE PIN IS ENTERED\nINCORRECTLY. THIS PROCEDURE IS FOR SECURITY MEASURES. KEEP YOUR PIN IN A SECRET PLACE. If you authorize us to issue a Card\nto anyone else for use through any electronic access device, you are authorizing that individual to withdraw funds from any account which can be\naccessed by that card, regardless of whether that individual is authorized to withdraw money from the account for any other means.\nLIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS. We will not be liable for transactions that are not completed if any of the following\ncircumstances apply:\nl\nThrough no fault of ours, you do not have sufficient funds available in your credit line;\nl\nThe transaction would cause you to exceed your credit limit;\nl\nThe ATM where you are requesting a cash advance does not have enough cash;\nl\nThe terminal or system was not working properly and you knew of the malfunction at the time you initiated the transactions;\nl\nCircumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions we have taken;\nl\nYour Card is retrieved or retained by the ATM;\nl\nYour Card or PIN has been reported lost or stolen and your account has been blocked or frozen;\nl\nYour account is in default;\nl\nYou or anyone authorized by you to conduct a transaction commits fraud or violates any laws or regulations; or\nl\nYou fail to follow the instructions on the screen or terminal.\nLIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use\nthat occurs after you notify Us at the address or telephone number set forth below. You must notify us orally or in writing of the loss, theft, or possible\nunauthorized use. In any case, your liability will not exceed $50.00. Notify us at:\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\n\n\x0c800-449-7728\n31.\n\n32.\n33.\n\n34.\n35.\n36.\n\n37.\n\n38.\n39.\n\n40.\n41.\n\nLIMITATIONS OF RESPONSIBILITY. We will not be responsible for merchandise or services purchased by you with the Card. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept your card(s) or electronic terminals to honor them or complete a transaction, or for their retention of the Card(s).\nBUSINESS DAY. Our business days are Monday through Friday. Saturdays, Sundays and federal holidays are excluded.\nGOVERNING LAW. The Agreement and your Account and any claim, dispute, or controversy arising from or relating to this Agreement or your\nAccount, whether based on contract, tort, fraud, and other intentional torts, statute, common law and/or equity, are governed by and construed in\naccordance with the laws of the State of Michigan (without regard to its conflicts of laws principles or rules) and applicable federal laws. The legality,\nenforceability and interpretation of this Agreement and the amounts contracted for, charged and received under this Agreement will be governed by\nsuch laws. This Agreement is entered into between you and us in the State of Michigan, and we make credit decisions under this Agreement from the\nState of Michigan. To the extent allowed by applicable law, You further consent to the jurisdiction and venue of the State or Federal Courts located in\nMidland County, Michigan.\nASSIGNMENT. We may sell, assign or transfer all or any portion of your Account, or any balance due under your Account, without prior notice to you.\nYou may not sell, assign or transfer your Account or any obligations under this Agreement.\nLOST/STOLEN CARDS. You agree to notify us immediately upon discovering that your Card has been lost or stolen by calling us at 800 449 7728, 24\nhours per day.\nINFORMATION ABOUT YOU AND YOUR ACCOUNT. We will not disclose your non-public personal information to unaffiliated third parties except\nas otherwise permitted or authorized by law. Please refer to our Privacy Policy Notice for a full explanation of how we protect your information. You\nmay obtain a copy of our Privacy Policy Notice by visiting www.dcecu.org or by calling us at 989-835-7794.\nBENEFITS AND PROGRAMS. We may from time to time offer additional services to your Accounts or special programs related to you being a Cardholder, such as the option for eligible cardholders to skip a payment in January, at no additional cost to you beyond normal INTEREST CHARGE. You\nunderstand and agree that we are not obligated to offer such services or programs and may withdraw or change them at any time.\nSEVERABILITY. If any provision of this Agreement is determined to be void or unenforceable under applicable law, regulation, or rule, all other provisions of this Agreement shall be valid and enforceable.\nENTIRE AGREEMENT / EFFECT OF AGREEMENT. This Agreement, together with any application you signed or otherwise submitted in connection with the Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating\nto your Account, supersedes any other prior or contemporaneous agreement between you and us relating to your Account, and applies to every transaction relating to the Account even though a sales or cash advance draft you sign or a credit slip may contain different terms. This Agreement may not\nbe amended except in accordance with the provisions of this Agreement. You further acknowledge receipt of a copy of this Agreement.\nCREDIT UNION MEMBERSHIP. You understand and agree that one of the requirements for obtaining this Account is your continued status as a\nmember of the Credit Union. Upon termination of that membership, you can no longer obtain credit with the Card.\nCOMMUNICATION MONITORING AND RECORDING. You agree that we, our agents, and our service companies may monitor and/or record any\ntelephone and/or electronic communications between you and us.\n\n\x0cYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\n\nThis notice informs you about your rights and 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:\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\nIn your letter, give us the following information:\nl\nAccount information: Your name and account number.\nl\nDollar Amount: The dollar amount of the suspected error.\nl\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:\nl\nWithin 60 days after the error appeared on your statement.\nl\nAt 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. If you call us, we are not required to investigate any potential errors and you may be required to pay the\namount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days after 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.\n\nWhile we investigate whether or not there has been an error:\nl\nl\nl\nl\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:\nl\nl\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 questions, along with applicable interest and fees. We will send you a statement 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 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\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, 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 $50.00 of the amount in question, even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining 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\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat 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\ncard 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:\nCUSTOMER SERVICE CENTER\nP.O. BOX 31112\nTAMPA, FLORIDA 33631-3112\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\npoint, if we think you owe an amount and you do not pay, we may report you as delinquent.\nDOW CHEMICAL EMPLOYEES' CREDIT UNION\n989.835.7794 \xe2\x80\xa2 800.835.7794\nwww.dcecu.org\nEffective: December 1,2017\n\n\x0c"


b'tr\n\nCheck Account Choice:\n\nCREDIT APPLICATION\n\n.- \',\n\nWe intend to apply forjoint credit\nApplicant Initials\nCo-Applicant Initials\ntr Credit Line Increase\n\nCredit Limit Requested $\nCheck Card\n\nlndividual Account\n\nD JointAccount\n\n(Signature required for joint applicant)\n\n_\n\nChoice\n\ntr\n\nVisa@\n\ntr\n\nVisa@\n\nPlatinum\n\nthat will\nLast Name\n\nDate of\n\ng\n\nMiddle\n\nl-irst\n\nBirth\n\nI\n\nNo. of Dependents\n\n()\n\nSocial Security Number\n\nOwn Rent Other\n\n()\n\nHome Phone\n\nCell Phone\n\ntrtrtr\n\nMonthly Payment $\n\nCurrent Address\n\nCity\n\nState\n\nZip Code\n\nHow Long (yrs)\n\nMailing Address (if different from above)\n\nCity\n\nState\n\nZip Code\n\nHow Long (yrs)\n\n<=s\n(-)\xe2\x82\xac *\n\nPrevious Address (if less than 2 years at present address)\n\nCity\n\nState\n\nZip Code\n\nHow Long (yrs)\n\no-b=\n=8U\n\nEmployer\n\n=E\n\nF=5\n\nz.E.^\n\nSelf Employed\n\ntrYes trNo\n\nELE e\n\n<Ha\n\nAddress\n\nWork Phone\n\n()\n\nDate Employed\n\nPosition/Occupation\n\nlvonthly Gross lncome $\n\n.9p\n\nE9\ndo\n\ni,\n\nz\n\nName and Address of Previous Employer (if less than 2 years at present employer)\n\nHow Long (yrs)\n\nSource ofAdditional Income: lncome from alimony, child support or separate\nmaintenance need not be revealed if it is not considered in determining creditworthiness\n\nAmount per Month $\n\nNearest Relative (Not Living With You)\nLast Name\n\nFirsl\n\nFEY DateofBirth\nz.*\n<3EE Cu116ntAddress\n<J:-ad\nJ:YH\n\nI\n\n6=\n\nO-=98\n\no-:a\xe2\x82\xac\n+*EE\nOEP\'\n()PE\n\nNo.ofDependents\n\nPrevious Address (if less than 2 years at present address)\n\n()\n\n-Ea\n-Pz\nlUE6\n\no-i;\nE<c\n\nRelationship\n\nMiddle\n\nSocial Security Number\n\nOwn Rent Other\n\nCell Phone\n\ntrtrtr\n\nMonthly Payment $\n\nUry\n\nState\n\nZip Code\n\nHow Long (yrs)\n\nCity\n\nState\n\nZip Code\n\nHow Long (yrs)\n\nEmployer\n\nSelf Employed\n\ntrYes trNo\n\nName under Whrch Account ts Uarfled\n\nName and Address 0l 0reditot\nE\n\nza"i\n\n()\n()\n\nHome Phone\n\nAddress\n\nolla\n\nHome Phone\n\nWork Phone\n\n()\n\nDate Employed\n\nPosition/Occupation\n\nlVonthly Gross lncome $\n\nAccount Number\n\ntsalance\n\nMonthlv Paymenl\n\n1. Home Mortgage/Rent\n\n2. Bank Credit Card/Bank Name and Address\n\n(r,\nIIJ\n\nE\nf\n\nkz.\n\n(,\na\n\nx\n\nx\n1-Ar\n\nonature\n\ndnrtt Irc\n\nUpon approval, I wish to hansfer my present balance on the credit card account(s) listed below to my new credit card account.\n\nu*E\n\ntr\n\nEbE\n\nSignature\n\nt=\n\nfrfri\n=t!\n\nCredit Card Account Number\n\nAmount to be transferred $\n\nVisa Account No\n\nDate Approved\n\nPepco Federal Cred.it\n\nApproved By\n\nUnion, Washington, DC\n\nAll contents includ.ing\n\n20068\n\nrates, Jees and\n\nApproved By\n\nFOLD AND SECURE WITH TAPE FOR MAILING\nAPPlication @2009 FIS\'02/16\npremiums are accurate at the time of printing Jor changes that may hate been made afier printing please call (800) 553-7328.\n\n\x0c'


b"Annual Percentage Rate (APR) for Purchases\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\n15.84%\n\n9.90%\n\nFixed\n\nFixed\n\n15.84%\n\n9.99%\n\nFixed\n\nFixed\n\n'15.84%\nFixed\n\n'l'l.99Yo\nFixed\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying lnterest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou interest on retail purchase6, cash advances and balance transfers if you pay your entire\nbalance by the due date.\n\nMinimum lnterest Charge\n\nlf you are charged interest, the charge will be no less than $1.00\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\n\nvisit the web site of the Consumer Financial Protection Bureau at\n\nAnnual Fee\n\n$10.00\n\nTransaction Fees\n\n.\n\nBalance Transfer\n\nNone\n\n.\n\nCash Advances\n\nNone\n\n.\n\nForeign Transaction\n\nNone\n\nPenalty Fees\n\n.\n\nLate Payment\n\nUp to $35.00\n\nOver-the-Credit Limit\n\nUp to $35.00\n\nReturned Payment\n\nUp to $35.00\n\nOther Fees\nBilling Rights: lnformation on your rights to dispute transactions and\n\nNone\n\nhd'w to eiercise those rights-is provided in your account agreement.\n\nNone\n\n\x0c"