b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nCHILDREN\xe2\x80\x99S MIRACLE NETWORK\nPLATINUM/PLATINUM VARIABLE/PLATINUM\nREWARDS\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to CAMPUS USA Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers\nto each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0cThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of Your\nAccount, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to Your Account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to Your Account. A foreign\ntransaction is any transaction that You complete or a merchant completes on Your Card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\n\nPage 2 of 6\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0cYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts of the state of Florida.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 31112,\nTampa, FL, 33631-3112 or call Us at (800) 449-7728, seven days a week 24 hours a day or (866) 820-3761, seven days\na week 24 hours a day or (800) 367-6440, Monday through Friday 8:00 a.m. to 5:00 p.m. Eastern Time.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\nPage 3 of 6\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0c15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nFlorida.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n\nPage 4 of 6\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0c32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n00901154-MXC30-P-1-050520 (MXC303-E)\n\n\x0c'


b'Consumer Credit Card Agreement \xe2\x80\x93 Visa\xc2\xae Platinum\nEffective October 1, 2018\n1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:\nThe following information on interest rates, interest charges, and fees are accurate as of 10/1/2018 and may have\nchanged after that date. To find out what may have changed, call us at 206-292-3900 or toll free at 1-800-998-4035.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR for Cash Advances\n\n\xe2\x80\xa2\n\n14.04%\nThis APR is a fixed rate.\n\n\xe2\x80\xa2\n\n14.04%\nThis APR is a fixed rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance due by\nthe due date each month. We will begin charging interest on Cash Advances and\nQuasi Cash transactions on the transaction date.\n\nMinimum Interest Charge\n\nNo Minimum Interest Charge\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau\xe2\x80\x99s website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$25\n\nTransaction Fees:\n\x01\n\nCash Advances\n\nA fee equal to the greater of $3.00 or 2% of each advance will be imposed;\nhowever, this charge will not exceed $50.00\n\n\x01\n\nInternational\nTransactions\n\n1% of the U.S. dollar amount of each transaction.\n\nPenalty Fees:\n\x01\n\nLate Payment\n\n$25\n\n\x01\n\nReturned Payment\n\n$35\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nSee your cardholder agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\ncardholder agreement.\n\nZions Bancorporation, N.A. dba The Commerce Bank of Washington\nLast Review Date: 20181001\n\nZions Bancorporation, N.A. Member FDIC\n\n\x0c1.1: Zions Bancorporation, N.A. dba The Commerce Bank of Washington among other things,\nissues credit cards to its customers. This is a credit card agreement and disclosure statement\n("Agreement") between you and The Commerce Bank of Washington (\xe2\x80\x9cBank\xe2\x80\x9d) containing the terms that\nwill apply to your consumer credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d) and replaces and supersedes any previous\nConsumer Credit Card Agreement and Disclosure Statement (and amendments thereto).\n1.2: DEFINITIONS AND PARTIES TO AGREEMENT: The following definitions apply and will\nhelp you better understand this document: The word \xe2\x80\x9cBank\xe2\x80\x9d means ZIONS BANCORPORATION,\nN.A. dba The Commerce Bank of Washington. The words \xe2\x80\x9cCard Agreement\xe2\x80\x9d refers to this Agreement\ntogether with the Card Application and the folder containing the Card. The word \xe2\x80\x9cCard\xe2\x80\x9d refers to the\none or more credit cards and the associated card number that the Bank has issued with the account\nnumber for your Card Account, including any renewal or replacement cards. The words \xe2\x80\x9cCard\nAccount\xe2\x80\x9d refer to the Visa Platinum credit card account governed by the Card Agreement between you\nand the Bank. The words \xe2\x80\x9cCard Application\xe2\x80\x9d refer to the credit application for the Card Account. The\nwords \xe2\x80\x9cCredit Card Checks\xe2\x80\x9d refer to the one or more checks that the Bank may provide to access your\nCard Account. The words \xe2\x80\x9cCredit Limit\xe2\x80\x9d refer to the maximum available dollar amount of credit\nauthorized by the Bank. The words \xe2\x80\x9cOutstanding Balance\xe2\x80\x9d refer to the entire amount owing on your\nCard Account at any given time. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to the one or more individuals\n(including the primary applicant and any co-applicant) who have received credit from the Bank and who\nare liable on the Card Account. The words \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d refer to The Commerce Bank of Washington.\n1.3: AGREEMENT: This Agreement documents the agreement between you and the Bank regarding\nyour Card Account. This Agreement contains important information that you should review carefully\nand keep in your records. This Agreement becomes effective on the earlier of (1) 15 days after the Bank\nsends you the Card, or (2) your first use of the Card or Card Account. Any use of the credit associated\nwith your Card Account constitutes your acceptance of the terms of this Agreement. If you do not wish\nto be bound by this Agreement, you must not use (or authorize anyone else to use) your Card or Card\nAccount and you must cancel your Card Account within 15 days after receiving the Card.\n1.3.1: Integrated Agreement. You agree that the Card Agreement is a final written expression of the\nAgreement between you and the Bank and that the Card Agreement may not be contradicted by evidence\nof any alleged oral agreement.\n1.3.2: Severability. The provisions of the Card Agreement are severable to the extent that any provision\nhereof held to be prohibited or unenforceable in an applicable jurisdiction shall not invalidate the\nremainder of the Card Agreement in that jurisdiction and shall be fully enforceable in any other\njurisdiction not expressly prohibiting such provision.\n1.3.3: Delay in Enforcement. The Bank may exercise its rights under the Card Agreement immediately\nor, at the Bank\'s sole discretion, may decline to enforce or delay in enforcing any such rights without\nlosing, waiving, or impairing them.\n1.3.4: Assignment and Binding Effect. You may not sell, assign, or transfer the Card Agreement or\nyour Card Account or any portion thereof without the express prior written consent of the Bank. The\nBank may sell, assign, or transfer the Card Agreement or your Card Account or any portion thereof\nwithout notice to you. Subject to the foregoing, the Card Agreement shall be binding upon the heirs,\nrepresentatives, successors, and assigns of the parties hereto.\n1.4: AMENDMENT OF THIS AGREEMENT: The Bank may amend this Agreement by\nchanging, adding or deleting any term, condition, service or feature (\xe2\x80\x9cNew Term\xe2\x80\x9d) of your\nAccount or of this Agreement at any time. The Bank will provide you with notice of the\namendment to the extent required by law. Unless we state otherwise, any New Term may apply\nonly to new activity on your account. If the amendment includes any change for which we need\nyour consent, we will obtain your consent before that New Term becomes effective. If we need to\ndo so, we may obtain your consent in any one or more of the following ways: (a) by your usage of\nthe Account after we give you notice of the amendment; (b) by your failure to write us on time if\nwe request that you write us to reject a New Term; or (c) by your affirmative agreement which\nmay be obtained verbally, in writing or electronically.\n1.4.1: If you do not agree to the Amendment. You must notify the Bank in the manner provided with\nthe amendment within 25 days after the effective date of the change, and the Bank may close your Card\nAccount and may elect to have you pay the Outstanding Balance as provided by law. Otherwise, you\nshall be deemed to have agreed to the change(s) in the Bank\xe2\x80\x99s notice. Use of the Card after the effective\ndate of the change shall be deemed to be your acceptance of the new terms.\n1.4.2: Any other term in the amendment will become effective without your consent, although you\nmay be able to avoid a fee or charge by not making the type of transaction to which it applies after\nthe effective date of the amendment.\n1.5: CREDIT LIMIT: The Credit Limit on your Card Account is disclosed on each monthly statement\n(your initial Credit Limit appears on the folder containing the Card). You agree not to use or allow\nanyone else to use the Card or your Card Account in any way that would cause the Outstanding Balance\nto exceed your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Credit\nLimit. The Bank may increase or decrease your Credit Limit at any time and will notify you of such\nchange. In addition, you may request a change in your Credit Limit by writing to the address shown on\nyour monthly statement or by calling 206-292-4550 during business hours (8:00 a.m. to 5:00 p.m.\nPacific Time, Monday through Friday).\n2.0: THE CARD:\n2.1: Signature Panel. For your protection, the back of the Card contains a signature panel which should\nbe signed before the Card is used.\n2.2: Card is Bank Property. The Card is the property of the Bank and must be returned to the Bank if\nthe Bank so requests. Also, the Bank can at any time and without cause and without notice, revoke the\nright to use the Card. If a merchant or a financial institution where the Card is attempted to be used asks\nfor the surrender of the Card, it must be surrendered immediately.\n2.3: Expiration. The Card will not be valid after the expiration date printed on the front of the Card and\nit must not be used after that date.\n2.4: Renewal and Replacement Cards. The Bank will continue to issue renewal or replacement Cards\nuntil the Bank revokes the right to use the Card or until your Card Account is closed.\n2.5: Additional Cards. You may request additional Cards at no additional cost for members of your\nfamily or for others you authorize to use your Card Account. However, you are responsible for all\ncharges to your Card Account made by such persons.\n3.0: AVAILABLE TRANSACTIONS: Subject to the restrictions described herein, the Card and your\nCard Account may be used in any of the following transactions:\n3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is\nhonored.\n3.2: Cash Advances and Quasi Cash transactions. Subject to your available Credit Limit, the Card\nmay be used to obtain Cash Advances and Quasi Cash transactions (money orders, travelers cheques,\netc) from your Card Account (1) in person at the Bank or any participating financial institution or (2) at\nany ATM in the Bank network or any of the other participating ATM networks (the names of which are\nshown on the back of the Card), subject to the following limitation (certain ATMs may have other\nlimits): the total dollar amount of such ATM Cash Advances and Quasi Cash transactions plus all cash\nwithdrawal electronic fund transfers made during any calendar day (from midnight to midnight) may not\nexceed $500 for each card issued with your Card Account number. Cash Advances and Quasi Cash\n\ntransactions may not exceed the lesser of your available credit or at our option $500 for any single\nadvance. Each Cash Advance and Quasi Cash transaction will create a charge to your Card Account.\n3.3: Electronic Online Cash Advances and Quasi Cash transactions: Subject to your available Credit\nLimit, the Card may be used to obtain electronic online Cash Advances and Quasi Cash transactions\nfrom your Card Account. Based on risk, we reserve the right to limit electronic online Cash Advances\nand Quasi Cash transactions access at the sole discretion of the Bank. Each electronic online Cash\nAdvance and Quasi Cash transaction will be treated as a Cash Advance and Quasi Cash transaction\nsubject to a Cash Advance and Quasi Cash Transaction Fee charged to your Card Account.\n3.4: Internet Transactions: If your card is a Visa branded card, enrollment in the Verified by Visa\nprogram is required after 3 Internet purchases. In order to make transactions over the Internet merchants\nmay request your Verified by Visa password to complete the transaction. If a password is not provided\nthe merchant may deny the transaction. If the password is incorrect we may deny the transaction. By\nallowing another to use your Verified by Visa password you are authorizing the transaction on your\naccount.\n3.5: Internet Gambling Notice: Restricted transactions as defined in Federal Reserve Regulation GG\nare prohibited from being processed through this account or relationship. Restricted transactions\ngenerally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts\nare knowingly accepted by gambling businesses in connection with the participation by others in\nunlawful Internet gambling. We have elected to not offer accounts to organizations that offer or sponsor\nInternet gambling. Commercial accounts receiving or processing Internet gambling transactions are\nsubject to closure.\n4.0: MONTHLY STATEMENTS: The Bank will send you (or one of you) a monthly statement\nsummarizing each transaction on your Card Account during the preceding billing period. Your monthly\nstatement will show the total amount you owe as of the end of the billing period, including any finance\ncharges, fees, the minimum payment due and the payment due date, which date is at least 25 days from\nthe monthly statement closing date. It also shows your current Credit Limit. The Bank will mail or\ndeliver your monthly statement to only one address. Preservation of your rights under federal law\nregarding resolution of billing errors depends upon your timely recognition of potential errors, as\nexplained in \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice at the end of this Agreement.\n5.0: HOW THE NEW BALANCE IS DETERMINED: The total amount that you owe the Bank at the\nend of the current billing period appears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on the monthly statement. The\nOutstanding Balance at the end of the previous billing period is called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d. The New\nBalance is determined by taking the Previous Balance and (1) subtracting any payments and credits\nreceived by the Bank during the current billing period and then (2) adding any purchases, Cash\nAdvances and Quasi Cash transactions, finance charges, fees, and, other adjustments.\n6.0: PAYMENTS: You promise to pay the Bank according to the terms of this Agreement the entire\namount owing hereunder. You agree to make all payments in U.S. Dollars drawn on funds on deposit in\nthe United States (however, the Bank may at its option choose to accept payments made in foreign\ncurrency or made by drawing on funds on deposit outside the United States, in which case you agree to\npay all conversion fees and bank collection fees incurred by the Bank, which amounts will be treated as\npurchase items). Do not send cash payments.\n6.1: Payment Due Date. The payment due date on your Account will be the same date each month and\nyour payment will be due by 5:00 p.m. in the manner and location specified on your billing statement.\n6.2: Amount of Minimum Payment. If the New Balance is less than $5, the minimum payment is the\nfull amount of the New Balance. The minimum payment due each month is 5% of the New Balance\nwhich does not exceed your credit limit (rounded up to the nearest dollar), or $5 whichever is greater,\nplus the entire portion of the New Balance in excess of your credit limit, plus any amount past due. You\nshall make (and the Bank shall have received at the address designated on your monthly statement) on or\nbefore 5:00 p.m. on the due date the minimum payment shown on your monthly statement (or, at your\noption, any greater amount up to the Outstanding Balance). Receipt of your minimum payment at any\naddress other than that designated on your monthly statement may create a delay in posting the\nminimum payment to your Card Account and may thereby result in a late fee and additional finance\ncharges. Making only the minimum payment will increase the amount of interest you pay and the\ntime it takes to repay your balance.\n6.3: Application of Payments. The amount of payments credited to your Account during a billing\nperiod will be applied first to unpaid finance charges, then to any miscellaneous fees, then to the balance\nhaving the highest APR, and then to each successive balance bearing the next higher APR until the\npayment is exhausted. Balances having the same APR will be paid beginning with the oldest balance\nfirst. Payment for more than the minimum payment amount (but not more than the Outstanding Balance)\nwill be accepted as a single payment for that billing period; the amount in excess of the minimum\npayment will not be applied toward future payments due.\n6.4: Acceptance of Partial or Nonconforming Payments. The Bank may accept late payments, partial\npayments or any payment marked with any kind of restrictive endorsement (such as \xe2\x80\x9cpaid in full\xe2\x80\x9d or \xe2\x80\x9cin\nsettlement\xe2\x80\x9d) without giving effect to the restrictive endorsement and without losing, waiving, or\nimpairing any of the Bank\'s rights under this Agreement or under applicable law.\n6.5: Delay of Available Credit: We credit payments to your account on the day we receive them\nhowever, we reserve the right, based on risk, to delay the available credit resulting from those payments.\n6.6: Prepayment. You may repay all or any portion of the Outstanding Balance at any time without\npenalty.\n7.0: DEFAULT: If the minimum payment is not received at the proper address on or before the\npayment due date, or if you fail to honor any other obligation under this Agreement, or if you die, file for\nbankruptcy, or become insolvent or generally unable to pay your debts, or if you have furnished false or\nmisleading information on the Card Application, or if you are in default under any other obligations you\nmay owe to the Bank, or if the Bank reasonably believes that you are unable or unwilling to honor all of\nyour obligations under this Agreement, the Bank may declare the Outstanding Balance immediately due\nand payable, may close your Card Account, and recover the Card.\n8.0: LEGAL ACTION AND COSTS: Without waiving the Dispute Resolution provisions of this\nAgreement, the Bank may take legal action (including collection action) against you and you agree to\npay all collection costs whether or not awardable as court costs (including the cost of Bank staff) and\nreasonable attorney\xe2\x80\x99s fees (including those of salaried Bank employees). If the Bank sues to collect and\nyou win the lawsuit, the Bank will pay your court costs and reasonable attorney\xe2\x80\x99s fees. Also, you agree\nthat regardless of where you reside, the Bank may initiate legal action against you in the State of\nWashington and you hereby submit yourself to jurisdiction of the courts therein.\n9.0: FINANCE CHARGES: All Cash Advances, Quasi Cash transactions and purchases are subject to\ninterest charges from the date they are added to your Account until paid. If you pay in full by the\npayment due date (which is at least 25 days from the monthly statement closing date), you pay Cash\nAdvance and Quasi Cash transaction fees and interest charges only on the Cash Advances and Quasi\nCash transactions added during the billing cycle. The finance charge shown on your monthly statement\nwill be the total of Cash Advance and Quasi Cash transaction fees and interest charges. The following\nfinance charges will apply whether before or after default, judgment, or the closing of your Card\nAccount.\n9.1: Interest Charges, Periodic Rate and ANNUAL PERCENTAGE RATE (APR): The amount of\ninterest charges will be derived by multiplying your average daily balances by a periodic rate. The\n\n\x0cperiodic rate for Visa Platinum is 1.17% (corresponding APR is 14.04%). The Bank reserves the right\nto change the APR upon notification to you and after one year from account opening.\n9.2: Average Daily Balance Method (including current transactions): We figure a portion of the\nfinance charge on your Account by applying the periodic rate to the \xe2\x80\x9caverage daily balances\xe2\x80\x9d of your\nAccount (including current transactions) for purchases, Cash Advances and Quasi Cash transactions. To\nget the \xe2\x80\x9caverage daily balances\xe2\x80\x9d we take the beginning balances of your Account each day, add any new\npurchases, advances or other charges, and subtract any payments or credits, and unpaid late fees or\nfinance charges. This gives us the daily balances. Then, we add up all the daily balances for each day in\nthe billing cycle and divide the total by the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases, Cash Advances and Quasi Cash transactions. If you pay all of the\nnew balance shown on your statement by the payment due date, we will exclude that balance and all new\ncharges to the account except Cash Advances and Quasi Cash transactions from the daily balances.\n9.3: Balance Subject to Finance Charge: To calculate your annual percentage rate, we divide the\nfinance charge by the balance subject to finance charge and multiply by twelve (the number of months in\na year). The balance subject to finance charge is made up of your average daily balances plus your new\nadvances (we will not include the amount of new advances more than once in a balance).\n9.4: Minimum Finance Charge. There is no minimum finance charge.\n9.5: Military Lending Act (MLA). The Military Lending Act provides protections for members of the\nArmed Forces and their dependents.\n9.5.1: Statement of MAPR (Military Annual Percentage Rate). Federal law provides important\nprotections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\n9.5.2: Oral Disclosures. Before accepting this Agreement, in order to hear important disclosures and\npayment information about this Agreement, you may contact us at 1-844-210-3601.\n9.5.3: Applicability of Dispute Resolution Provision. The Jury Waiver, Class Action Waiver, and\nArbitration Agreement in the Dispute Resolution Provision set forth in this Agreement do not apply to\nthose covered by the Military Lending Act.\n10.0: CASH ADVANCE AND QUASI CASH TRANSACTION FEE: Each new Cash Advance or\nQuasi Cash transaction, will be assessed a one-time fee equal to the greater of 2% of the amount of the\ntransaction, but never less than $5.00; however this charge will not exceed $50.00. The transaction fee\nshall be fully earned when assessed.\n11.0: OTHER FEES AND CHARGES:\n11.1: Annual Fee: A non-refundable $25.00 annual fee for each account you have with us will begin on\nthe month on which your account is opened and charged annually thereafter.\n11.2: ScoreCard Rewards Annual Fee: A non-refundable $25.00 annual fee will begin on the month\non which your account is opened and charged annually thereafter.\n11.3: Late Payment Fee: If the minimum payment shown on your monthly statement is not received at\nthe proper address by the payment due date, there will be a late fee of $25.00.\n11.4: Returned Payment Fee: If any check or other payment on your Card Account is dishonored or\nmust be returned because it cannot be processed, there will be a returned payment fee of $35.00.\n11.5: International Transaction Fee. 1% of the U.S. dollar amount of the transaction. If you incur a\ncharge in a foreign currency, the charge will be converted into a U.S. Dollar amount by Visa\nInternational. Currently, the currency conversion rate used is either a wholesale market rate or a\ngovernment mandated rate in effect one day prior to the date the transaction is processed by Visa\nInternational plus one percent (1%) of the U.S. dollar rate. The currency conversion rate in effect on the\nprocessing date may differ from the rate in effect on the transaction date or the posting date. This charge\nis in addition to the Bank\xe2\x80\x99s usual ATM fee.\n11.6: Expedited Card Delivery or Emergency Card Fee: If you request the Bank to provide\n\xe2\x80\x9cexpedited card delivery\xe2\x80\x9d (which requires the services of an outside delivery service provider), you\nagree that we may charge a fee up to $60 for this service.\n12.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you\nhave given the Bank a security interest in a savings account at the Bank to secure payment of your Card\nAccount. If you withdraw your funds from the savings account, the Bank has the right to close your Card\nAccount.\n13.0: JOINT ACCOUNT. If your Card Account is in the name of more than one person, each and every\nsuch person shall be jointly and severally liable for the full Outstanding Balance, including without\nlimitation any amount in excess of your Credit Limit. In addition, except as otherwise required by\napplicable law, you agree that all monthly statements and notices regarding your Card Account may be\nsent to any one of you.\n14.0: INTERPRETATION; EFFECT:\n14.1: Duration. Except for your right to use the Card and to make charges to your Card Account (which\nright expires when your Card Account is closed); all other provisions of the Card Agreement shall\nremain in full force and effect until your Card Account is closed and your Outstanding Balance is paid in\nfull.\n14.2: Headings. The headings used in this Agreement are for convenience only and shall have no\nbearing on the interpretation of this Agreement.\n14.3: Governing Law. THE CARD AGREEMENT SHALL BE GOVERNED BY AND\nCONSTRUED IN ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND OF\nTHE STATE OF WASHINGTON REGARDLESS OF WHERE YOU MAY RESIDE OR USE\nYOUR CARD.\n15.0: DISCLOSURES OF INFORMATION: You acknowledge and consent to the release of personal\ndata about you by the Bank to Visa U.S.A., its Members, or their respective contractors for the purpose\nof providing emergency cash and/or emergency card replacement services.\n16.0: RESTRICTIONS ON USE OF CARD ACCOUNT: Only the individual named on the Card is\npermitted to use the Card for charges, identification, or any other reason.\n16.1: No Illegal Purpose. The Card, Card Account or Credit Card Checks shall not be used for any\nillegal purpose. You also agree not to use your Card, Card Account or Credit Card Checks to gamble on\nthe Internet or for any transaction that violates applicable law. We may block or refuse to approve any\ntransaction that we believe may violate this provision.\n17.0: LIABILITY FOR OBLIGATIONS:\n17.1: Your Liability. You shall be liable for the full amounts of your Outstanding Balance regardless of\nthe purpose whether for business purposes or for personal, family or household purposes of any of the\ncharges made with the Card(s) or Credit Card Checks. Your liability shall also include all charges\nregardless of the purpose made by any person to whom you have given express or implied permission to\nuse the Card, Card Account or Credit Card Checks or has voluntarily provided the Card or Card number.\n17.2: User\xe2\x80\x99s Liability. In addition to and not in lieu of your liability as set forth above, each User shall\nbe jointly, and severally liable with you for all amounts resulting from: (a) all charges made by User for\n\npersonal, family, or household purposes; and (b) all charges made by any person to whom that User has\ngiven express or implied permission to use the Card or Card Account or has voluntarily provided the\nCard or the Card number, regardless of the purpose of any such change.\n18.0: LIABILITY FOR UNAUTHORIZED USE: If your Card or Card Account number are lost or\nstolen, or if you think that someone used or may use them without permission, you agree to notify the\nBank immediately by calling 206-292-4550 during bank business hours and 866-604-0381 otherwise.\nYou may need to provide the Bank with certain information in writing to help the Bank determine what\nhappened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit\nCard Check if you notify the Bank of any fraudulent transactions.\n18.1: Liability for Unauthorized ATM Transactions: You are not liable for unauthorized use of your\ncard for ATM transactions if you notify the Bank within 2 business days. In any case, your liability will\nnot exceed $50.\n19.0: REFUSAL OF THE CARD: The Bank will not be responsible or liable in any manner for any of\nthe following or for any claim of whatever nature (including without limitation any claim for incidental\nor consequential damages) arising from or related to any of the following: the refusal or delay of any\nother financial institution, any merchant, or any person to honor the Card, your Card Account, or any\nCredit Card Check; any goods or services obtained with the Card and charged to your Card Account\n(except as and only to the extent provided in \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice at the end of this\nAgreement); any unsuccessful attempt to obtain prior credit authorization for any transaction when the\nauthorization system is not working, or any unsuccessful attempt to use the Card in an ATM when the\nATM or ATM network is not working or is temporarily closed or out of order.\n20.0: FINANCIAL AND CREDIT INFORMATION:\n20.1: Financial Statements. The Bank may need updated financial information from you at some time\nin the future. If the Bank asks, you agree to furnish a current financial statement or to update the Card\nApplication.\n20.2: Credit Reports. You hereby authorize the Bank to make whatever credit inquiries or\ninvestigations about you that the Bank deems appropriate and to disclose to others credit information\nabout your Card Account and your performance under this Agreement. The Bank may ask credit bureaus\nfor reports of your credit history; at your request, the Bank will tell you whether or not the Bank has\nrequested such reports and will tell you the names and addresses of the credit bureaus furnishing the\nreports.\n20.3: Negative Credit Reporting. You are hereby notified that we may report information about your\naccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report.\n20.4: Notify us of inaccurate information we report to credit bureaus. Please notify us if we report\nany inaccurate information about your account(s) to a credit bureau. Your written notice describing the\nspecific inaccuracy should be sent to us at the following address: The Commerce Bank of Washington,\n601 Union Street, Suite 3600, Seattle, WA 98101.\n21.0: CHANGE OF NAME OR ADDRESS: You agree to promptly notify the Bank in writing if you\nchange your name, home address, or mailing address.\n22.0: TERMINATION: You may close your Card Account at any time by notifying the Bank in\nwriting. The Bank may close your Card Account at any time without cause and without notice except we\nmay have to give you notice if you are not in default. In the event of default (which includes missing any\npayments or breaking any of your Agreements with us, failing to pay other charges when due, exceeding\nthe credit limit of the Account, the death, insolvency or bankruptcy of you or any joint cardholder, the\nseizure of any of your assets or income, or that of a joint cardholder, and our good faith belief that the\nprospect of payment is in jeopardy), we may without notice, terminate the Account, demand possession\nof all Cards, and declare the entire balance due and payable. When your Card Account is closed\n(whether by you or the Bank); your right to use the Card and to make charges to the Card Account will\nbe automatically revoked. Termination does not excuse your obligation to pay us.\n23.0: BILLING RIGHTS SUMMARY: This notice contains important information about your rights\nand the Bank\'s responsibilities under the Fair Credit Billing Act.\n23.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if\nyou need more information about a transaction on your bill, write us in a separate letter at the address\nindicated in the Billing Rights Summary on your Statement. Write us as soon as possible. We must hear\nfrom you no later than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter, include the following\ninformation:\n\xe2\x80\xa2\nYour name and account number.\n\xe2\x80\xa2\nThe date and dollar amount of the suspected error.\n\xe2\x80\xa2\nDescribe the error, and explain if you can, why you believe there is an error. If you need more\ninformation, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or checking\naccount, you can stop the payment on any amount you think is wrong. To stop the payment your letter\nmust reach us three business days before the automatic payment is scheduled to occur.\n23.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must\nacknowledge your letter within 30 days, unless we corrected the error by then. Within 90 days, we must\neither correct the error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for the amount you question, including finance charges, and we\ncan apply any unpaid amount against your credit limit. You do not have to pay any questioned amount\nwhile we are investigating, but you are still obligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill you will not have to pay any finance charges related to\nany questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will\nhave to make any missed payments on the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our\nexplanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to\npay, we must tell anyone we report you to that you have a question about your bill. And, we must tell\nyou the name of anyone we reported you to. We must tell anyone we report you to that the matter has\nbeen settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of\nthe questioned amount, even if your bill was correct.\n23.3: Special Rule for Credit Card Purchases: If you have a problem with the quality of property or\nservices that you purchased with the 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 the property or services.\nThere are two limitations on this right:\n(1) You must have made the purchase in your home state or, if not within your home state, within 100\nmiles of your current mailing address; and\n(2) The purchase price must have been more than $50.\nThese limitations do not apply if the Bank owns or operates the merchant, or if the Bank mailed you the\nadvertisement for the property or services.\n24.0: DISPUTE RESOLUTION PROVISION. This Dispute Resolution Provision contains a jury\nwaiver, a class action waiver, and an arbitration agreement (or judicial reference agreement, as\napplicable), set out in four Sections. READ IT CAREFULLY. No portion of this Dispute Resolution\n\n\x0csection shall be interpreted or applied in a manner prohibited by governing law, but all other portions\nshall remain in effect. Without limitation, no portion of this Dispute Resolution section shall require\narbitration or other non-judicial procedure to resolve any controversy or settle any claim arising out of\nany consumer credit transaction that is secured by a dwelling (including a home equity line of credit\nsecured by the consumer\xe2\x80\x99s principal dwelling). The jury waiver, class action waiver, and arbitration\nagreement in this Dispute Resolution provision do not apply to you if, as of the date of this\nagreement, you are a member of the Armed Forces or a dependent of such member entitled to\nprotection under the Federal Military Lending Act.\nSECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES:\n24.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute\nResolution Provision shall supersede and replace any prior \xe2\x80\x9cJury Waiver,\xe2\x80\x9d \xe2\x80\x9cJudicial Reference,\xe2\x80\x9d\n\xe2\x80\x9cClass Action Waiver,\xe2\x80\x9d \xe2\x80\x9cArbitration,\xe2\x80\x9d \xe2\x80\x9cDispute Resolution,\xe2\x80\x9d or similar alternative dispute\nagreement or provision between or among the parties.\n24.1.2: \xe2\x80\x9cDISPUTE\xe2\x80\x9d DEFINED. As used herein, the word \xe2\x80\x9cDispute\xe2\x80\x9d means, without limitation, any\nclaim by either party against the other party related to this Agreement, your Card or Account. \xe2\x80\x9cDispute\xe2\x80\x9d\nincludes, but is not limited to, matters arising from or relating to a deposit account, an application for or\ndenial of credit, warranties and representations made by a party, the adequacy of a party\xe2\x80\x99s disclosures,\nenforcement of any and all of the obligations a party hereto may have to another party, compliance with\napplicable laws and/or regulations, performance or services provided under any agreement by a party,\nincluding without limitation disputes based on or arising from any alleged tort or matters involving the\nemployees, officers, agents, affiliates, or assigns of a party hereto.\nIf a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit\ncard, junior lienholder or title company), each party hereto agrees to consent to including that third party\nin any arbitration or judicial reference proceeding for resolving the Dispute with that third party.\n24.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury\nin connection with any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless\nsubmitted to binding arbitration pursuant to Section 2 or judicial reference pursuant to Section 3.\nThis Agreement includes an arbitration agreement, which will have a substantial effect on your\nrights in the event of a dispute with us. For example, if we elect to require you to arbitrate any\nclaim, you will not have the right to a jury trial or the right to participate in a class action in court\nor in arbitration. However, the arbitration agreement does not apply if, as of the date of this\nagreement, you are a member of the armed forces or a dependent of such member covered by the\nFederal Military Lending Act. Please see the section of this agreement labeled \xe2\x80\x9cMilitary Lending\nAct.\xe2\x80\x9d\n24.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICIAL REFERENCE (A) IF A\nCONSUMER PARTY REQUESTS, OR (B) IF THE JURY TRIAL WAIVER IS NOT\nENFORCED. A party who (in context of the Dispute) is a consumer may timely elect to require that\nthe Dispute be submitted as applicable to binding arbitration under Section 2 hereof or binding judicial\nreference under Section 3 hereof. In addition, if this Agreement\xe2\x80\x99s jury waiver is unenforceable by law, or\notherwise not enforced by a court exercising jurisdiction over the Dispute, then all parties hereby agree\nthat the Dispute shall be timely submitted as applicable to binding arbitration under Section 2 or binding\njudicial reference under Section 3. BY AGREEING TO RESOLVE SPECIFIED FUTURE\nDISPUTES IN ARBITRATION OR BY JUDICIAL REFERENCE, THE PARTIES ARE\nWAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN COURT.\nIn any lawsuit regarding a Dispute (a \xe2\x80\x9cLawsuit\xe2\x80\x9d), following the service of a complaint, third-party\ncomplaint, cross-claim or counterclaim or any answer thereto, any amendment to any of the above, or a\nruling or entry of an order that has the effect of invalidating this Agreement\xe2\x80\x99s jury trial waiver (any of\nthe foregoing, an \xe2\x80\x9cADR Event\xe2\x80\x9d), then at any time prior to trial of the Dispute, but not later than 30\ndays after the ADR Event, any party shall be entitled to move the court for an order (on the grounds set\nforth in the preceding paragraph) compelling arbitration under Section 2 or judicial reference under\nSection 3, as applicable, and staying or dismissing the Lawsuit pending such arbitration or judicial\nreference (an \xe2\x80\x9cADR Order\xe2\x80\x9d). A party that commenced or participated in the Lawsuit may nevertheless\ndemand arbitration or judicial reference of a Dispute after an ADR Event. Commencement or\nparticipation in the Lawsuit shall not operate as a waiver of the right to compel arbitration or judicial\nreference. After entry of an ADR Order, the non-moving party shall commence the arbitration or judicial\nreference. The moving party shall, at its discretion, also be entitled to commence arbitration or judicial\nreference but is under no obligation to do so, and the moving party shall not in any way be adversely\nprejudiced by electing not to commence arbitration or judicial references.\n24.1.5: CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to\nlitigate any Dispute as a class action (either as a member of a class or as a representative) or to act\nas a private attorney general. The waiver in this paragraph applies whether the proceeding is in a\ncourt, in an arbitration, or in a judicial reference proceeding.\n24.1.6: SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or\nexpiration of this Agreement, or any other relationship between the parties.\nSECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO ARBITRATION.\nThis Section 2 governs Disputes that are submitted for binding arbitration under subsection 24.1.4. This\nSection 2 shall not apply to any Dispute that is pending in a state or federal court located in the State of\nCalifornia, except to the extent such Dispute may also be pending in a state or federal court located\noutside of California. An arbitrator shall have no authority to determine the validity, enforceability,\nmeaning and scope of this Dispute Resolution Provision, or (ii) class action claims brought by either\nparty as a class representative on behalf of others, or by a class representative on either party\xe2\x80\x99s behalf as\na class member, which matters may be determined only by a court without a jury.\nArbitration under this provision shall be conducted before a single arbitrator through either the National\nArbitration Forum (\xe2\x80\x9cNAF\xe2\x80\x9d) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by\nthe initiating party, in accordance with the rules of NAF or JAMS (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). However, if the\nparties agree, a licensed attorney may be selected by the parties to conduct the arbitration without an\nAdministrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and if the parties\nare unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then\neither party may file a Lawsuit and move for an ADR Order. The arbitrator, howsoever appointed, shall\nhave expertise in the subject matter of the Dispute. Venue for the arbitration proceeding shall be as\nstated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absent\nsuch a provision, the arbitration shall be conducted at a location determined by mutual agreement of the\nparties or by the Administrator if no agreement can be reached. The arbitrator shall apply the law of the\nstate specified in the agreement giving rise to the Dispute.\nIn any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay\none half of the Administrator\'s initial filing fee, up to $500. If Lender or Bank commences arbitration or\nis the moving party obtaining an ADR Order, Lender or Bank shall pay all Administrator and arbitrator\nfees, regardless of whether or not the consumer is the prevailing party in such arbitration, unless such\n\nDispute involves a claim for damages by a consumer and is found by the arbitrator to be frivolous. For\nthis paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is\nless than $75,000.\nThe Administrator and the arbitrator shall have the authority, to the extent practicable, to take any\nreasonable action to require the arbitration proceeding to be completed within 180 days of commencing\nthe arbitration. The arbitrator: (i) will render a decision and any award applying applicable law; (ii) will\nhear and rule on appropriate dispositive motions for judgment on the pleadings, for failure to state a\nclaim, or for full or partial summary judgment; (iii) will give effect to any statutory or contractual\nlimitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall have\nthe authority to impose sanctions on any party that fails to comply with time periods imposed by the\nAdministrator or the arbitrator, including, without limitation, the sanction of entering a final award\nagainst the party that fails to comply; (v) shall have authority to award costs and fees (including\nattorneys\' fees and costs, arbitration administration fees and costs, and arbitrator(s)\' fees) to the extent\npermitted by law; (vi) shall recognize and honor claims of privilege recognized at law; and (vii) with\nregard to motions and the arbitration hearing, shall apply the Federal Rules of Evidence. The doctrines\nof compulsory counterclaim, res judicata, and collateral estoppel shall apply to any arbitration\nproceeding hereunder.\nCommencement of an arbitration by any party shall not prevent any party from at any time (i) seeking\nand obtaining from a court of competent jurisdiction (notwithstanding ongoing arbitration) provisional\nor ancillary remedies including but not limited to injunctive relief, temporary restraining orders, property\npreservation orders, foreclosure, sequestration, eviction, attachment, replevin, garnishment, and/or the\nappointment of a receiver; or (ii) availing itself of any self-help remedies such as setoff and repossession\nrights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a waiver of\nthe right to submit any Dispute to arbitration.\nJudgment upon an arbitration award may be entered in any court having jurisdiction except that, if the\narbitration award exceeds $200,000, any party shall be entitled to a de novo appeal of the award before a\npanel of three arbitrators. To allow for such appeal, if the award (including Administrator, arbitrator, and\nattorney\xe2\x80\x99s fees and costs) exceeds $200,000, the arbitrator will issue a written, reasoned decision\nsupporting the award, including a statement of authority and its application to the Dispute. A request for\nde novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration\naward; if such a request is not made within that time period, the arbitration award shall become final and\nbinding. On appeal, the arbitrators shall review the award de novo, meaning that they shall reach their\nown findings of fact and conclusions of law rather than deferring in any manner to the original arbitrator.\nAppeal of an arbitration award shall be pursuant to the rules of the Administrator; if the Administrator\nhas no such rules, then the JAMS arbitration appellate rules shall apply.\nTo request information on how to submit an arbitration claim, or to request a copy of an Administrator\xe2\x80\x99s\nrules or fee schedule, please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300,\nIrvine, CA 92614, Phone: (949) 224-1810, Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website:\nwww.jamsadr.com; NAF: National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405-0191,\nPhone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com.\nArbitration under this provision concerns a transaction involving interstate commerce and shall be\ngoverned by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7 1 et seq. If the terms of this Section 2 vary from the\nAdministrator\xe2\x80\x99s rules, this Section 2 shall control.\nSECTION 3: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO JUDICIAL\nREFERENCE. This Section 3 governs Disputes that are submitted under subsection 24.1.4 for judicial\nreference in accordance with California Code of Civil Procedure, Section 638, et seq. This Section 3\nmay be invoked only with regard to Disputes filed in state or federal courts located in the State of\nCalifornia. In no event shall this Section 3 diminish the force or effect of any venue selection or\njurisdiction provision in this Agreement or any Related Document. Nothing herein shall preclude a party\nfrom moving (prior to the court ordering judicial reference) to dismiss, stay or transfer the suit to a\nforum outside California on grounds that California is an improper, inconvenient or less suitable venue.\nIf such motion is granted, this Section 3 shall not apply to any proceedings in the new forum.\nThe referee shall be a retired judge, agreed upon by the parties, from either the American Arbitration\nAssociation (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot\nagree on the referee, the party who initially selected the reference procedure shall request a panel of ten\nretired judges from either AAA or JAMS, and the court shall select the referee from that panel. If AAA\nand JAMS are unavailable to provide this service, the court may select a referee by such other\nprocedures as are used by that court. The referee shall be appointed to sit with all of the powers provided\nby law, including the power to hear and determine any or all of the issues in the proceeding, whether of\nfact or of law, and to report a statement of decision. Only for this Section 3, \xe2\x80\x9cDispute\xe2\x80\x9d includes matters\nregarding the validity, enforceability, meaning, or scope of this Section, and class action claims brought\nby either party as a class representative on behalf of others and claims by a class representative on either\nparty\xe2\x80\x99s behalf as a class member. The parties agree that time is of the essence in conducting the judicial\nreference proceeding set forth herein. Except as otherwise provided in this paragraph, the costs of the\njudicial reference proceeding, including the fee for the court reporter, shall be borne equally by the\nparties as the costs are incurred, unless otherwise awarded by the referee. If Lender or Bank commences\na judicial reference proceeding regarding a consumer Dispute, Lender or Bank shall pay all referee fees,\nregardless of whether or not the consumer is the prevailing party in such proceeding, unless such Dispute\ninvolves a claim for damages by a consumer and is found by the referee to be frivolous. For purposes of\nthis paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is\nless than $75,000.\nThe referee shall hear all pre-trial and post-trial matters (including without limitation requests for\nequitable relief), prepare a statement of decision with written findings of fact and conclusions of law and\napportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal\nrelief, provide all temporary or provisional remedies, enter equitable orders that are binding on the\nparties and rule on any motion that would be authorized in a trial, including without limitation motions\nfor summary adjudication. Judgment upon the award shall be entered in the court in which such\nproceeding was commenced and all parties shall have full rights of appeal. This provision will not be\ndeemed to limit or constrain Lender\xe2\x80\x99s or Bank\xe2\x80\x99s right of offset, to obtain provisional or ancillary\nremedies, to interplead funds in the event of a dispute, to exercise any security interest or lien Bank or\nLender may hold in property, or to comply with legal process involving accounts or other property held\nby Bank or Lender.\nSECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the\nother party would not seek to enforce a jury waiver, class action waiver, arbitration provision or judicial\nreference provision in the event of suit, and (ii) acknowledges that it and the other party have been\ninduced to enter into this Agreement by, among other things, material reliance upon the mutual waivers,\nagreements, and certifications in the four Sections of this DISPUTE RESOLUTION PROVISION.\n\nZions Bancorporation, N.A. Member FDIC, Equal Housing Lender Last Review Date 20181001\n\n\x0c'


b'DISCLOSURE OF MILITARY\nANNUAL PERCENTAGE RATE (MAPR)\nFederal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed\nForces 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\npremiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account). Please call\nPSECU for further details at 800.237.7328, extension 3846.\n\n\xc2\xa9PSECU Form #3107 0321\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nCLASSIC CARD\nALUMNI CLASSIC CARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n9.90%\n\nAPR for Balance Transfers\n\n2.90% Introductory APR until December 31, 2022.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.90% .\n9.90%\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nUp to $20.00\nNone\nNone\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to your account from 01/01/2021 until\n12/31/2021 . Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not\neligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: July 23, 2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n\xc2\xa9PSECU Form #3903 REV 1220\n\n03720921-MXC10-C-3-040219 (MXC101-E)\n\n\x0cFor California Borrowers, the CLASSIC CARD - ALUMNI CLASSIC CARD may be a secured credit card. Credit\nextended under this credit card account may be secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nPIN Replacement Fee:\nNone.\nRush Fee:\n$40.00.\nUnreturned Card Fee:\nNone.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03720921-MXC10-C-3-040219 (MXC101-E)\n\n\x0c'