b'Effective 10/1/17. For questions about your balance, call the customer service number on your Visa statement.\n\nDEFINITIONS\nThe following definitions apply to this Agreement:\n\xe2\x80\xa2 ACCOUNT: The line of credit associated with your Platinum\nVisa Credit Card Account with us.\n\xe2\x80\xa2 ACCOUNT BALANCE: All authorized charges, plus any\nfinance charges assessed on your Account, plus any other\nfees and charges which you owe to us under the terms of\nthis Agreement.\n\xe2\x80\xa2 ANNUAL PERCENTAGE RATE OR APR: A rate, shown as a\npercentage, used to calculate interest on the balance on\nyour Account.\n\xe2\x80\xa2 AUTHORIZED USER: Any person you allow to use your\nAccount with a Card we provided with that person\xe2\x80\x99s name.\n\xe2\x80\xa2 BALANCE TRANSFER: Use of a Balance Transfer offer,\nincluding use of a check that accesses your Account for any\ntransaction, or the transfer of a balance from another credit\naccount to your Account.\n\xe2\x80\xa2 BILLING PERIOD: The period of time between each date\nwhen we create a periodic statement for your Account. A\nBilling Period is usually 28 \xe2\x80\x93 33 days. For each Billing Period,\nyour statement will show any Transactions, other charges,\npayments and other credits posted during that Billing\nPeriod.\n\xe2\x80\xa2 CARD: The Platinum Visa Credit Card issued to you (and any\nduplicates and renewals we may issue) used to access your\nAccount to obtain credit.\n\xe2\x80\xa2 CASH ADVANCE: Use of your Card to get cash, including\nforeign currency, or for what we consider a cash-like\ntransaction. Examples include using your Card for: ATM and\nteller withdrawals, wire transfers and money orders.\n\xe2\x80\xa2 CONSUMER REPORTING AGENCY: An organization, such\nas Experian, Equifax and TransUnion, that compiles credit\ninformation for the purpose of generating consumer credit\nreports. It is also known as a \xe2\x80\x9ccredit bureau\xe2\x80\x9d and a \xe2\x80\x9ccredit\nreporting agency.\xe2\x80\x9d\n\xe2\x80\xa2 LATE PAYMENT: A payment is late if you do not pay at least\nan amount equal to the Minimum Monthly Payment by the\nPayment Due Date.\n\xe2\x80\xa2 PURCHASE: Use of your Card to buy goods and services.\nBalance Transfers and Cash Advances are not Purchases.\n\xe2\x80\xa2 RETURNED PAYMENT: A payment that is not honored by\nyour financial institution.\n\xe2\x80\xa2 TRANSACTION: A Purchase, Balance Transfer or Cash\nAdvance, as applicable.\n\xe2\x80\xa2 YOU, YOUR and YOURS: Each and all of those who apply for\nor use the Card and/or Account.\n\xe2\x80\xa2 WE, US, OUR and CREDIT UNION: Schools Financial Credit\nUnion.\nYOUR ACCOUNT\nBINDING AGREEMENT: This Agreement takes effect once\nyou use your Card. Even if you do not use your Card,\nthis Agreement will take effect unless you contact us to\ncancel your Account within 30 days after we sent you this\nAgreement.\nACCOUNT USE: Your Account use is subject to this\nAgreement. All Transactions are subject to our approval.\nYou may use your Card to purchase goods and services in\nperson, online and by mail or telephone from merchants and\nothers who accept Visa Credit Cards. In addition, you may\n\nobtain Cash Advances from the Credit Union, from other\nfinancial institutions or select merchants participating in the\nVisa program and from automated teller machines (ATMs)\nthat provide access to the Visa system. Not all merchants or\nATMs provide such access. You will need to use your personal\nidentification number (PIN) to obtain a cash advance from an\nATM. A PIN may be obtained by calling 888-886--0083. Finally,\nyou may use your Account to transfer balances from other\ncreditors, provided that we approve your request. Balance\nTransfers are subject to a $25 minimum transfer amount\nrequirement.\nRESPONSIBILITY: You must pay us for all amounts due on\nyour Account, including: (1) Transactions you make, even if\nyou did not present your Card or sign for the Transaction; (2)\nTransactions an Authorized User makes; (3) Transactions that\nother people make if you or an Authorized User let them use\nyour Account; and (5) any fees and interest charges on the\nAccount. Your agreement to repay us extends to the use of\nthe Account by you or any other person you permit to use\nthe Account, even if that person exceeds your permission.\nYou cannot disclaim responsibility by notifying us, although\nwe will close the Account if you so request. Your obligation\nto pay the Account Balance continues even though an\nagreement, divorce decree or other court judgment to\nwhich we are not a party may direct someone else to pay the\nAccount Balance. The Cards remain our property and you\nmust recover and surrender to us all Cards upon our request\nand/or upon termination of this Account.\nJOINT ACCOUNTS: If this is a joint Account, each of you will\nbe individually and jointly responsible for paying all amounts\nowed under this Agreement. This means that we can require\nany one of you individually to repay the Account Balance.\nEach of you authorizes the other to make Transactions\nindividually. Any one of you may close the Account and\nsuch closure will be effective as to all of you. You agree that\nall notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing\nrecords. If this is a joint account, neither party can be released\nfrom his or her obligations except upon the Credit Union\xe2\x80\x99s\napproval.\nSIGNATURE REQUIREMENT: In order for your Card to be valid,\nyou must activate and sign the Card as soon as you receive\nit. However, your liability does not depend on whether or not\nyou sign your Card.\nCREDIT LIMIT AND CASH ADVANCE LIMIT: We assign a\nCredit Limit to your Account. Part of this Credit Limit may\nbe available for Cash Advances. Your Cash Advance Limit is\n100% of your available credit. Your Credit Limit will initially be\ndisclosed in the \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-inLending Act\xe2\x80\x9d and will be reflected on each periodic statement.\nYou agree to manage your Account so that: (1) your Account\nBalance (including fees and charges) is not more than your\nCredit Limit; and (2) your Cash Advance balance (including\nfees and charges) is not more than your Cash Advance Limit.\nHowever, if your Account Balance exceeds your Credit Limit or\nCash Advance Limit, you are still obligated to pay us. We may\nincrease or decrease your Credit Limit at any time and we may\nnotify you of such increase or decrease by mail or through\na statement sent to the primary accountholder\xe2\x80\x99s address of\nrecord, in accordance with applicable legal requirements.\nIf you object to any Credit Limit increase, you must notify\nus immediately. You or any co-borrower on the Account\n\nM#123198\n\nVisa\xc2\xae Credit Card Agreement\nand Federal Truth-in-Lending Disclosure\n\nBR154 10/2017\n\nThese coverages and descriptions supersede any coverages and descriptions you may have received earlier.\nPlease read and retain for your records.\n\n\x0cmay request a change to the Credit Limit orally, in writing\nor electronically, but any such request must be approved\nby us. If your Credit Limit is increased, you are immediately\nresponsible for the new Credit Limit and any increase in\nthe Account Balance even when it differs from an amount\npreviously agreed to orally or in writing.\nCONSUMER PURPOSES: You may use your Account only\nfor personal, family or household uses; you may not use the\nAccount for business purposes. If you do use your Account for\nbusiness purposes, this Agreement still applies and you must\npay us for those Transactions. We may close your Account if\nwe learn that you are using it for business purposes.\nUNLAWFUL TRANSACTIONS: Your Card or Account may\nnot be used directly or indirectly in a manner that would\nconstitute a crime under local, state or federal law, or in\nany illegal activity, including without limitation (1) any\n\xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined in 18 U.S.C. \xc2\xa7 1961, or\n(2) any gambling, gaming, betting or similar activity or\ntransaction. Further, you may not use your Card or Account\nfor the purchase of any goods or services on the Internet that\ninvolve gambling, gaming, betting or any similar transaction\nor activity. Such transactions include, but are not limited to,\nany quasi-cash or online gambling transaction, any electronic\ncommerce transaction conducted over an open network,\nand any betting transaction including the purchase of lottery\ntickets or casino gaming chips/checks or off-track betting\nor wagering. Display of a payment card logo by an online\nmerchant does not mean that internet gambling or other\ntransactions are legal in the jurisdiction in which you are\nlocated. However, in the event that a charge or transaction\ndescribed in this paragraph is approved and processed, you\nwill still be responsible for such charges. If you use your Card\nor Account directly or indirectly in an unlawful manner you\nunderstand that your Account may be declared in default\nand that we may exercise any rights available to us, including,\nbut not limited to, accelerating your Account Balance and\ndemanding immediate payment thereof.\nMOBILE PHONES OR OTHER DEVICES: Smart phones, tablets\nand other electronic devices can store your Card (such as\nthrough a mobile wallet). This means they can be used to\nmake Purchases or other Transactions. Any such Transactions\nare covered by this Agreement. Apps that use your Card\nto make Transactions may have separate terms of use. We\nare not responsible if you violate those terms, or for any\nconsequences resulting from any violation.\nDEBT PROTECTION COVERAGE (SCHOOLS SAFETY NET SM):\nI understand that Debt Protection Coverage is not required\nby you to open my account. It will only be available if I sign\na separate Debt Protection Election Form. I understand and\nagree that if I requested this coverage, you will add Debt\nProtection fees to the Account Balance on the Billing Period\nClosing Date of each month. I also understand and agree that\nif I have requested this coverage, I will be obligated to pay\nthe fee(s) indicated on the Election Form which have been\nincluded as part of my payment. If I decide to cancel such\ncoverage, I must do so in writing and I agree to pay all fees up\nto the date you act on my request to cancel.\nMILITARY LENDING ACT DISCLOSURES\nFederal law provides important protections to members of\nthe Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit\nto a member of the Armed Forces and his or her dependents\nmay not exceed an annual percentage rate of 36 percent. This\nrate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums;\nfees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain\nparticipation fees for a credit card account). For MAPR and\nrepayment disclosures, please call our toll free number 1-800962-0990; option 8.\nAGREEMENT AND BENEFIT CHANGES\nCHANGES TO THIS AGREEMENT: Account and Agreement\n\nterms are not guaranteed for any period of time. We may\nchange this Agreement for any reason and at any time,\nsubject to applicable law. This means that we can change\nrates and fees that apply to your Account. It also means\nwe can add, remove, replace or modify provisions of this\nAgreement. If required by applicable law, we will give you\nnotice of the changes. If you have the right to reject a change,\nwe will notify you and tell you how to reject. If we notify\nyou of a change, we may do so on your periodic statement\nor send you a separate notice, either of which may be sent\nto you in an electronic format if you have agreed to receive\nnotices from us electronically. Except as prohibited by law,\nany change in terms will apply to your existing Account\nBalance as well as to future Transactions. We may change the\nterms of this Agreement based on information in your credit\nreport, market conditions, business strategy or for any other\nreason.\nCHANGING BENEFITS: We reserve the right to change or\ndiscontinue any benefit, rewards program, service or feature\noffered in connection with your Account, at any time and for\nany reason.\nANNUAL PERCENTAGE RATES AND INTEREST CHARGES\nVISA VARIABLE RATE PROGRAM: This section explains\nhow we calculate rates and interest charges applicable to\nyour Account. We use APRs to calculate interest charges\non your Account. Our Visa credit card program is a variable\nrate program, which means that your APR may increase or\ndecrease each Billing Period while you maintain your Account\nwith us. The APR that applies to your Account may vary with\nchanges to the U.S. Prime Rate. The U.S. Prime Rate is the\nhighest U.S. Prime Rate (the \xe2\x80\x9cIndex\xe2\x80\x9d) published in The Wall\nStreet Journal. In the event that the U.S. Prime Rate ceases\nto be published, changes in your APR will be related to a\ncomparable index and we will inform you on your periodic\nstatement or through a separate notice.\nYour APR is subject to change each Billing Period based on an\nincrease or decrease in the Index. We calculate your APR for\nTransactions by adding an amount, which we call the Margin,\nto the Index in effect as of the first Tuesday of the month\npreceding the start date of each Billing Period. These dates\nare referred to by us as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d You can find the\ninitial Index, Margin, Daily Periodic Rate and corresponding\nAPR we use for your Account listed in the \xe2\x80\x9cAdditional\nDisclosure \xe2\x80\x93 Federal Truth-in-Lending Act\xe2\x80\x9d.\nYour APR may increase if the Index increases and decrease if\nthe Index decreases. If your APR increases, then your interest\ncharges and Minimum Payment Due may increase. If the\nIndex changes, we will apply the new variable APR starting\nfrom first day of the next billing cycle and that APR will remain\nin effect for the entire billing cycle. APR is determined on\nthe first Tuesday of each month by adding a variable Index\nin effect on the first Tuesday of the prior month to a Margin.\nThe Index is the Prime Rate published in the print edition\nof The Wall Street Journal on the first Tuesday of the month\npreceding the month in which the change takes effect. The\nnew APR will apply to existing balances, as well as balances\nadded to your Account after the change. We may waive an\nincrease in the APR when such an increase can be made, but\nsuch a waiver will not be construed as a waiver of our right to\nincrease the APR at a future date when entitled to do so.\nThere is no minimum APR that can apply during the term of\nthis Agreement. The maximum APR that can apply during\nthe term of this Agreement is 18.00%. There are no annual (or\nother) limitations on changes in the APR during the term of\nthis Agreement.\nINTEREST CHARGES: Interest charges will be imposed on\nTransactions only if you elect not to pay the entire Account\nBalance shown on your periodic statement by the Payment\nDue Date. If you elect not to pay the entire Account Balance\nshown on your periodic statement by the Payment Due Date,\ninterest charges will be imposed on the unpaid Average Daily\nBalance of Transactions from the previous statement closing\ndate and on the new Transactions from the date of posting\nto your account during the current Billing Period, and will\n\n\x0ccontinue to accrue until the closing date of the Billing Period\npreceding the date on which the entire Account Balance is\npaid in full.\n\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\nWe calculate interest on your Account each Billing Period\nby applying the Monthly Periodic Rate to the Average Daily\nBalance (including new Transactions). The following explains\nhow we do this. To get the Average Daily Balance:\n\n\xe2\x80\xa2 You must follow any additional payment instructions\nshown on your periodic statement.\n\n\xe2\x80\xa2 We start with the beginning balance of your account each\nday.\n\xe2\x80\xa2 We add any new Transactions, fees and other charges\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day\nand any unpaid interest or other finance charges.\n\xe2\x80\xa2 This gives us the daily balance. Then, we add up all the\ndaily balances for the Billing Period and divide the total by\nthe number of days in the Billing Period. This gives us the\naverage daily balance.\nGRACE PERIOD: You will not pay any interest on Purchases\nif you pay the Account Balance, including any Balance\nTransfers, in full by the Payment Due Date shown on your\nperiodic statement each Billing Period. We call this a grace\nperiod on Purchases. Generally, you will have at least a 25-day\ngrace period from the close of each Billing Period to pay the\nAccount Balance without incurring additional interest. The\nPayment Due Date disclosed on each periodic statement\nprovided to you is the last day of your grace period for that\nstatement\xe2\x80\x99s billing cycle. If you do not pay the Account\nBalance, including any Balance Transfers, in full by the Payment\nDue Date in a Billing Period, you will pay interest on your\nPurchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you\npay the Account Balance in full by the Payment Due Date two\n(2) Billing Periods in a row.\nThere is no grace period on Balance Transfers and Cash\nAdvances. This means you will pay interest on Balance\nTransfers and Cash Advances from the date these transactions\npost to your Account.\nPAYMENTS\nMINIMUM PAYMENT: Every month, you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on\nyour periodic statement. The Minimum Payment Due will be\neither (1) 2.0% of your Account Balance or $20.00, whichever is\ngreater; or (2) your Account Balance if it is less than $20.00. In\naddition, you must pay any amount past due, any late charge\nand any amount over the Credit Limit.\nAPPLICATION OF PAYMENTS: We decide how to apply your\npayments, up to the Minimum Monthly Payment amount, to\nthe balances on your Account. We will apply the Minimum\nMonthly Payment amount in the following order: (1) unpaid\nfees and charges, if any; (2) unpaid periodic interest charges\ndue on Purchases, Balance Transfers and Cash Advances, and\nother unpaid finance charges; (3) outstanding balances of\nCash Advances, Balance Transfers and Purchases previously\nbilled, and (4) current Cash Advances, Balance Transfers and\nPurchases. If you pay more than the Minimum Payment Due\namount, the amount in excess of the Minimum Payment Due\nwill be applied first to the balances subject to the highest APR\nand then to balances subject to lower APRs, in descending\norder of APRs until all balances subject to an APR are paid in\nfull. You must continue to make payments until you have paid\nthe Account Balance in full.\nPAYMENT INSTRUCTIONS: You must follow the instructions\nbelow when making a payment. If you do, we will credit the\npayment to your Account as of the day we receive it.\n\xe2\x80\xa2 Payments should be sent to Schools Financial Credit Union,\nAttention: Card Services Department, P.O. Box 60510 City of\nIndustry, CA 91716-0510.\n\xe2\x80\xa2 We must receive your payment on or before the Payment\nDue Date in order for your Account to be credited by the\nPayment Due Date.\n\xe2\x80\xa2 You must pay in U.S. Dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a\nfinancial institution in the United States (do not mail cash).\n\n\xe2\x80\xa2 You must not include any restrictive endorsements on the\ncheck.\n\n\xe2\x80\xa2 If you do not follow our payment instructions, we may not\naccept your payment, or there may be a delay in crediting\nyour Account. Either may result in late fees and additional\ninterest charges to your Account. If you do not follow\nthe payment instructions in this Agreement or on your\nperiodic statement, we may accept your payment without\nlosing our rights.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though you need\nonly pay the Minimum Payment Due, you have the right to\nrepay your Account Balance at any time without penalty. You\nwill only be charged interest charges to the date you repay\nyour entire Account Balance. You may make larger payments\nwithout penalty and this may reduce the total amount of\ninterest charges that you will repay. If you pay more than\nthe Minimum Payment Due in any month and there is still a\nbalance due, you must continue to make Minimum Payments\nin future months. Any partial payment of your Account\nBalance will not advance your next payment due date(s). You\nunderstand and agree that any payment that (a) delays or (b)\naccelerates the repayment of your Account Balance will (a)\nincrease or (b) decrease your Monthly Periodic interest charge.\nPAYMENTS BY AUTOMATIC TRANSFER: By separate\nagreement, you may authorize us to automatically transfer\nthe Minimum Payment Due from your Credit Union savings\nor checking account. If you request payment by automatic\ntransfer, you understand and agree that no payment will\nbe made if there are insufficient or uncollected funds in\nthe designated savings or checking account to make the\nscheduled payment. Should this event occur, you understand\nand agree that you will not be released from making the\npayment. Any automatic transfer you have requested will\nremain in effect until you cancel it in writing or the Account\nBalance is paid in full. To stop a payment by automatic\ntransfer, you may send us a letter requesting that the payment\nbe stopped. Your letter must be received by Schools Financial\nCredit Union, Attention: Card Services Department, P.O. Box\n526003, Sacramento, CA 95852, at least three (3) business days\nbefore the automatic payment is scheduled to occur. We may\ncancel this service at our discretion.\nRECURRING PAYMENTS: The use of your Account to make\npreauthorized electronic recurring bill payments constitutes\nan \xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal\nElectronic Fund Transfer Act and Regulation E.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: Payments marked \xe2\x80\x9cpaid\nin full\xe2\x80\x9d or other language used to indicate full satisfaction of\nindebtedness may be accepted by us without being bound\nby such language or waiving any rights under this Agreement.\nWe will accept full satisfaction of indebtedness only in a\nwritten agreement, signed by an authorized representative of\nthe Credit Union.\nCREDIT REPORTING\nCREDIT REPORTING: In connection with our issuance of a\nCard to you, we are allowed to obtain information about\nyou. We get it from Consumer Reporting Agencies and other\nsources that provide consumer financial information. We are\nallowed to use the information for:\n\xe2\x80\xa2 Renewal of your Account;\n\xe2\x80\xa2 Credit Limit increases or decreases;\n\xe2\x80\xa2 Administration or review of your Account, collection and\nany other servicing;\n\xe2\x80\xa2 All other credit-related purposes connected with this\nAgreement;\n\xe2\x80\xa2 Offers for other cards, insurance products and other\nservices; and\n\xe2\x80\xa2 Other uses permitted by law.\nWe report Account information in your name, as well as\ninformation about you to Consumer Reporting Agencies, on\n\n\x0ca monthly basis. The information we provide may appear on\nyour credit reports. This can include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nIf you think we have given incorrect information to a\nConsumer Reporting Agency about you (or about an\nAuthorized User), contact us at 916-569-5400 and we will\nresearch it. We will let you know if we agree or disagree with\nyou. If we agree with you, we will contact each Consumer\nReporting Agency we reported to and request a correction.\nACCOUNT INFORMATION, PRIVACY AND\nCOMMUNICATIONS\nACCURACY OF AND CHANGES TO ACCOUNT INFORMATION:\nYou represent and warrant that the information provided in\nyour credit application is accurate, and you agree to notify us\nin writing immediately if this information changes. If you do\nnot, or if we ask you to verify your Account information and\nyou cannot, we may suspend or close your Account.\nINFORMATION SHARING: You understand and agree that\nwe may share information about you and your Account as\npermitted by applicable law. This includes information we\nobtain from you and others. Our Privacy Policy, which is\nenclosed with your new Account materials, describes reasons\nthe Credit Union can share its members\xe2\x80\x99 personal information.\nCONTACTING YOU: You agree that we (and/or our authorized\nagents) may contact you at any phone number, email address\nor mailing address you provide. This includes communications\nto mobile, cellular/wireless or similar devices. We may contact\nyou by live operator, auto-dialer, prerecorded or artificial voice,\ntext or email. You agree to pay any charges assessed by your\nplan provider for communications we send to you, as well as\ncommunications you send to us.\nCALL MONITORING: We may listen to and record telephone\ncalls between you and us to monitor and improve the quality\nof service you receive.\nNOTICES: We will send any notices to your billing address, or,\nif you have agreed to receive notices from us in an electronic\nformat, we will send notices to you in an electronic form. We\nconsider a notice sent as soon as we mail it. We consider an\nelectronic notice sent as soon as we email it, unless we receive\nnotification that the email was undeliverable.\nAUTHORIZED USERS\nACCOUNT USE BY AUTHORIZED USERS: You may request\nto add one or more Authorized Users to your Account. If we\napprove your request, use of your Account by an Authorized\nUser is subject to the terms of this Agreement. You must:\n\xe2\x80\xa2 Obtain permission from each Authorized User before\nnaming him or her as an Authorized User on your Account.\n\xe2\x80\xa2 Make a copy of this Agreement available to each\nAuthorized User.\n\xe2\x80\xa2 Pay us for all charges incurred by each Authorized User.\n\xe2\x80\xa2 Notify us to remove an Authorized User from your Account.\nIf we remove an Authorized User, we may close your\nAccount, open a new Account, and issue you a new Card.\nWe may limit the number of Authorized Users on your\nAccount.\nYou are responsible for:\n\xe2\x80\xa2 Any Transactions made by an Authorized User on your\nAccount.\n\xe2\x80\xa2 Any Transaction made by an Authorized User even if the\npost date shown on your periodic statement for that\nTransaction occurs after the date you ask us to remove the\nAuthorized User from your Account.\n\xe2\x80\xa2 Any Transactions made by others if an Authorized User\nallows them to use your Account.\n\xe2\x80\xa2 Fees and charges resulting from any Transactions made by\nan Authorized User or others if an Authorized User allows\nthem to use your Account.\n\nACCOUNT INFORMATION RIGHTS FOR AUTHORIZED USERS:\nYou authorize us to discuss your Account with an Authorized\nUser. This includes giving him or her access to your Account\ninformation and history. You understand and agree that an\nAuthorized User may use and receive information about the\nAccount the same way you do. An Authorized User cannot\nadd other Authorized Users, adjust the Credit Limit or close\nthe Account.\nWHAT CAN AUTHORIZED USERS DO?\n\xe2\x80\xa2 Report lost or stolen Cards\n\xe2\x80\xa2 Initiate billing disputes\n\xe2\x80\xa2 Change the billing address for your Account\n\xe2\x80\xa2 Obtain Account Information, such as Transaction histories\n\xe2\x80\xa2 Request periodic statement copies\n\xe2\x80\xa2 Make payments\n\xe2\x80\xa2 Request refund checks\nINFORMATION ABOUT AUTHORIZED USERS: You agree to\ngive us certain personal information about each Authorized\nUser. You must let each one know that you will give us that\ninformation and you must have his or her permission to do\nso. You must have permission from each one to allow us to\nshare information about him or her as permitted by applicable\nlaw. This includes information we may obtain from you, any\nAuthorized User and others. It also includes information\nabout their Transactions on the Account.\nCREDIT REPORTING: We report information about this\nAccount to Consumer Reporting Agencies in the Authorized\nUser\xe2\x80\x99s name that may appear on their credit report. This could\ninclude information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nYou understand and agree that you must let each Authorized\nUser know that we report Account information in his or her\nname. Please also refer to the Credit Reporting section above.\nDEFAULT, CLOSING OR SUSPENDING THE ACCOUNT\nDEFAULT: You will be in default if:\nYou do not pay at least the Minimum Payment Due or other\nrequired payment by the due date;\n\xe2\x80\xa2 You have a Returned Payment;\n\xe2\x80\xa2 You do not honor any of the terms of this Agreement;\n\xe2\x80\xa2 You make any false or misleading statements in any credit\napplication or credit update;\n\xe2\x80\xa2 Your creditworthiness is impaired;\n\xe2\x80\xa2 You file for bankruptcy or some other insolvency\nproceeding is filed by or against you;\n\xe2\x80\xa2 You are declared incompetent or mentally incapacitated,\nor you die; or\n\xe2\x80\xa2 You are in default under any other loan you have with us\n(excluding real estate loans).\nCLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION:\nIf any of the events listed above occurs, we may temporarily or\npermanently suspend any and all Account and Card privileges\nand/or we may demand immediate payment of the Account\nBalance. We may close or suspend your Account at any time,\nwithout notifying you, as permitted by law. We are not liable to\nyou for any transactions that are denied due to our decision to\nclose, suspend or terminate your Account. You agree that you\nwill not attempt to make a Purchase or obtain a Cash Advance\nafter you have been notified that your privilege to use your\nAccount has been terminated. We may cancel your current\nCard and issue you a substitute Card at any time. You may\nclose your Account at any time by notifying us in writing, and\nyou must include your signature. If we close or suspend your\nAccount, or if you close your Account, you understand and\nagree that you remain obligated to repay the entire Account\nBalance. You understand and agree that interest charges at the\nAPR as permitted under this Agreement will continue to accrue\nuntil you repay your entire Account Balance.\n\n\x0cTRANSACTIONS\nREFUSAL OF THE CARD: Most Transactions require approval\nof funds, which result in placing a hold against your Credit\nLimit. We do not guarantee approval of Transactions. We\nare not liable for those that are not approved, even if you\nhave enough available credit on your Account. We may also\nlimit the number of Transactions approved per day. We may,\nalthough we are not required to, approve Transactions above\nyour available Credit Limit.\nSUSPICIOUS ACTIVITY: We are committed to keeping your\nfinancial transactions as secure as possible. We use a credit\ncard fraud detection system designed using neural network\ntechnology that \xe2\x80\x9clearns\xe2\x80\x9d your credit card purchase patterns.\nThe system analyzes authorization requests for your Card in\nreal time and compares them to your purchase history as\nwell as current fraud trends. If we detect unusual transaction\npatterns, we can take action to reduce the potential for fraud,\nincluding but not limited to suspending credit privileges. As\nyour profile and transactions change over time, the system\nupdates its files. We reserve the right to identify Transactions\nas unauthorized or fraudulent and subsequently to decline\nthose Transactions. We are not responsible for any loss or\ndamage arising out of any declined Transaction.\nTRAVEL ADVISORY: A Transaction in a geographic area where\nyou do not usually use your Card may trigger the credit card\nfraud detection system. We encourage you to provide us with\nprior notice of any anticipated Card activity that may be out\nof your ordinary pattern of Card Transactions, such as high\ntransaction volume and any anticipated transactions outside\nthe U.S. You may provide this notice by calling:\n\xe2\x80\xa2 Domestic: 916-569-5400\n\xe2\x80\xa2 International: 800-962-0990\n\xe2\x80\xa2 To verify Account activity if Card is blocked: 855-278-8272\nMERCHANT FEES: Some merchants, including merchants\noutside the U.S., may charge you a fee to use your Card for a\nPurchase. The fee will be either a percentage of the amount\nof your Purchase or a flat fee, and will be added to the amount\nof your Purchase. Usually, a merchant will tell you about this\nfee before you use your Card, but not always. We do not\ncontrol these fees and we cannot prevent them\nPLAN MERCHANT DISPUTES: The Credit Union is not\nresponsible for the refusal of any plan merchant or financial\ninstitution to honor the Account and/or Card. We are subject\nto claims and defenses (other than tort claims) arising out of\ngoods or services you purchase with the Card only if you have\nmade a good faith attempt but have been unable to obtain\nsatisfaction from the merchant, and your Purchase was made\nin response to an advertisement we sent or participated in\nsending you.\nRETURNS AND ADJUSTMENTS: If a merchant discloses a\npolicy such as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit\nwithout receipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you\nwill be bound by that policy when you use your Card to buy\ngoods or services from that merchant. A merchant refund\nto your Account will post to your Account as a credit. We do\nnot control when a merchant sends an Account credit. We\nwill choose how to apply the credit to your existing Account\nBalance. If a credit fails to post to your Account, you may\nrequest our help in having the credit applied to your Account\nby sending us a copy of the credit receipt issued by the\nmerchant. You have the sole responsibility to obtain written\nproof of credit and to retain copies of credit receipts until the\ncredit is properly applied to your Account. If your credits and\npayments exceed what you owe us, we will hold and apply\nthis credit balance against future Transactions, or if it is $1.00\nor more, refund it on your written request or automatically\nafter six (6) months.\nRECURRING AUTHORIZED TRANSACTIONS: If you authorize\na merchant or any other person to charge your Account for\nrecurring Transactions, you must notify the merchant if:\n\xe2\x80\xa2 You want to discontinue these Transactions;\n\xe2\x80\xa2 Your Account is closed;\n\xe2\x80\xa2 Your Account number changes;\n\n\xe2\x80\xa2 Your Card expiration date changes.\nYou are responsible for reinstating any recurring authorized\nTransactions.\nTERMS AND CONDITIONS APPLICABLE TO VISA\nCONVENIENCE CHECKS\nCHECK USES: Visa Convenience Checks (including Balance\nTransfer checks) are checks that the Credit Union may send\nyou to access your Account from time to time. The following\nterms will apply to the use of those checks unless otherwise\ndisclosed with the checks. You can use your Convenience\nChecks to purchase goods and services, to obtain cash up\nto the amount of your Credit Limit, or to conduct Balance\nTransfers up to the amount of your Credit Limit. Use of\nConvenience Checks to purchase goods and services or\nto obtain cash up to the amount of your Credit Limit is\nconsidered a Cash Advance on your account. The Credit\nUnion will charge interest beginning as of the date the Credit\nUnion receives the Convenience Check. You cannot avoid\npaying interest on Convenience Check transactions. Any\nspecial rules applicable to credit card purchases described\nin this Agreement or any other features pertaining to card\npurchases do not apply to Convenience Checks.\nLIMITATIONS: We are not required to honor a Convenience\nCheck that will cause you to exceed your Credit Limit. We\nmay not pay a Convenience Check if at the time that it is\npresented:\n\xe2\x80\xa2 You are in default or we have suspended, terminated or\ncanceled your Account;\n\xe2\x80\xa2 The Convenience Check is not in the form we have issued\nto you;\n\xe2\x80\xa2 Your signature or the payee\xe2\x80\x99s name or endorsement is\nmissing on the Convenience Check or the Convenience\nCheck appears altered; or\n\xe2\x80\xa2 Your Convenience Check is post-dated.\nConvenience Checks may be used only by the person(s)\nwhose name(s) is/are printed on the check. You are\nresponsible for all authorized use of Convenience Checks.\nYou may not use Convenience Checks to make a payment\non any other obligation you have with the Credit Union,\nincluding paying any amount that you owe us pursuant to\nthis Agreement. Certain merchants may inform you of their\nintent to convert your Convenience Check payment to an\nelectronic ACH debit. For mailed payments, this notification\nwill be provided at the time you receive a bill. For payments\nmade in person, this notification will be provided at the\ntime payment is made. You understand and agree that\nConvenience Checks are ineligible for conversion to an ACH\ndebit and if presented by a merchant to us for payment,\nwe are required to reject and return the entry. Using\nConvenience Checks for payments to merchants who have\nnotified you of their intent to convert your check to an ACH\ndebit may result in merchant returned item fees and/or late\ncharges. You further understand and agree that you may not\nattempt to authorize a one-time advance from your Account\nvia ACH by providing check information (such as the routing,\naccount and serial numbers) to a merchant or other payee in\nperson, via the Internet or by telephone for the purpose of\nhaving such merchant or other payee electronically initiate a\nfunds transfer. The Credit Union will not be liable for any fees\nyou incur as a result of the Credit Union\xe2\x80\x99s failure to honor a\nConvenience Check that is converted to an ACH debit. Your\nperiodic statement will itemize Convenience Checks posted to\nyour Account during the Billing Period. Convenience Checks\npaid by the Credit Union will not be returned to you with your\nperiodic statement.\nSTOP PAYMENT: Provided your request is timely, you may\norder a stop payment on a Convenience Check drawn on\nyour Account. To stop payment on a Convenience Check,\nyou must call us at 916-569-5400 during regular business\nhours and provide us with the following information: the\nAccount number, the payee, any check number that may be\napplicable, and the exact amount of the Convenience Check.\nIf you order a stop payment on a Convenience Check orally,\nthe order will be valid for only fourteen (14) days thereafter,\n\n\x0cunless confirmed in writing. Written stop payment orders\nwill remain in effect only for six (6) months, unless renewed\nin writing. You have the burden of establishing the fact and\namount of loss resulting from payment contrary to a binding\nstop payment. The Credit Union will charge a Convenience\nCheck Stop Payment Fee when you place a stop payment on a\nConvenience Check which will be billed to your Account. The\nCredit Union is not required to notify you when a stop\npayment order expires. If the Credit Union re-credits your\nAccount after paying a Convenience Check over a valid and\ntimely stop payment order, you agree to sign a statement\ndescribing the dispute with the payee, to assign to the Credit\nUnion all of your rights against the payee or other holders\nof the check and to assist the Credit Union in any legal\naction. You agree to indemnify and hold the Credit Union\nharmless from all costs and expenses, including attorneys\xe2\x80\x99 fees,\ndamages or claims related to the\nCredit Union honoring your stop payment request or in failing\nto stop payment of an item as a result of incorrect information\nprovided to the Credit Union or the giving of inadequate time\nto act upon a stop payment request.\nSURRENDER OF CONVENIENCE CHECKS: Convenience\nChecks are the Credit Union\xe2\x80\x99s property; the Credit Union\nreserves the right to revoke them at any time. You agree to\nreturn them at the Credit Union\xe2\x80\x99s request.\nMISCELLANEOUS\nPROMOTIONAL RATE OFFERS: From time to time and at\nour discretion, we may offer you a promotional APR for all or\nany part of your Account Balance, Balance Transfer or future\ntransactions. The period of time for which the promotional\nAPR applies may be limited. Any applicable promotional\nAPR, the corresponding periodic rates, and the period of time\nduring which they are in effect will appear on the offer. Any\npromotional rate offer will be subject to the terms of the offer\nand this Agreement.\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY:\nYou will notify us IMMEDIATELY if you believe that your Card,\nAccount number, PIN or any combination of the three has\nbeen lost or stolen by immediately calling us at 916-569-5400\nbetween 9:00 a.m. and 6:00 p.m. PST, Monday through Friday,\nexcluding holidays and weekends or after Credit Union hours\nat 855-278-8272/International Number 1-303-967-1096.\nTelephoning is the best way of keeping your possible losses\ndown. You understand that your total liability to us will not\nexceed $50.00 for any Account and/or Card Transactions\nresulting from the loss, theft or other unauthorized use of the\nAccount and/or Card that occurs prior to the time you give\nnotice to us. Your liability for unauthorized use may be lower\nin cases of Visa Credit Card fraud in accordance with current\nVisa U.S.A., Inc. operating regulations.\nYou agree that in the event of a lost, stolen, not received,\ncounterfeited card or fraudulent activity on your Account,\nyou and all parties given access to the Account will complete\nan affidavit of forgery in a form approved by the Credit\nUnion. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information related to any\nloss, theft or possible unauthorized use of your Card, Account\nnumber or PIN and to comply with such other procedures as\nwe may require in connection with our investigation.\nLIMITATION OF LIABILITY FOR VISA TRANSACTIONS: If\nthere is an unauthorized use of your Visa Credit Card, and the\ntransaction takes place on the Visa network, then your liability\nwill be zero ($0.00). This provision limiting your liability does\nnot apply to Visa Corporate Credit Card or Visa Purchasing\nCredit Card Transactions, ATM cash disbursements processed\non non-Visa or non-Plus networks, or non-Visa PIN-less\ndebit transactions. Additionally, your liability with respect to\nunauthorized transactions may be greater than the above zero\n($0.00) liability limit, to the extent allowed under applicable\nlaw.\nINACTIVE ACCOUNT: If your Account does not have any\nactivity for 12 months, it will be considered an inactive\naccount and your ability to take advances against your Credit\nLimit may be suspended. If your Account is inactive for 12\n\nmonths, we may close it.\nPERIODIC STATEMENTS: Your Card or other Account activity\nwill be reflected on your periodic statement (Statement). We\nwill send you a Statement for each Billing Period in which\nTransaction activity has occurred on your Account. Statement\nwill identify the merchant, electronic terminal or financial\ninstitution at which transactions were made, but sales, cash\nadvance, credit or other receipts cannot be returned with\nthe Statement. You agree to retain copies of such receipts\nfurnished at the time of the transaction in order to reconcile\nyour Statement. Statements will be mailed or delivered\nelectronically if you have agreed to receive notices from us in\nan electronic format only to the address of the person named\nfirst on the Account.\nASSIGNMENT: We may sell, transfer or assign this Agreement\nand your Account to a third party at any time without\nnotifying you. You may not sell, assign or transfer your\nAccount or any of your obligations under this Agreement.\nENFORCING THIS AGREEMENT: We will not lose our rights\nunder this Agreement because we delay in enforcing them\nor fail to enforce them. If any provision of this Agreement\nis found to be unenforceable, all other provisions of the\nAgreement will remain in effect.\nINTEGRATED DOCUMENT(S): You understand and agree\nthat any separate sheet of paper, which is delivered together\nwith this Agreement and incorporates this Agreement by\nreference, is an integrated part of this Agreement. Any future\namendments to this Agreement will be labeled as such and\nwill form an integrated part of this Agreement.\nCOLLECTION COSTS: To the extent permitted by law, you\nare liable to us for our legal costs if we refer collection of your\nAccount to an attorney who is not our salaried employee.\nThese costs may include reasonable attorneys\xe2\x80\x99 fees, as well as\ncosts and expenses of any legal action. You understand and\nagree that interest charges will continue to accrue at the APR\npermitted under this Agreement until you repay your entire\nAccount Balance.\nUNFORSEEN CIRCUMSTANCES: From time to time, our\nservices might be unavailable due to circumstances beyond\nour control, such as fires, floods, natural disasters, system\nfailures or other unpredictable events. When this happens,\nyou may not be able to use your Card or obtain information\nabout your Account. We are not responsible or liable if this\nhappens.\nGOVERNING LAW: You understand and agree that this\nAgreement is made in California and will be governed by the\nlaws of the State of California to the extent that California\nlaw is not inconsistent with controlling federal law. You also\nunderstand and agree that California\xe2\x80\x99s choice of law rules\nwill not be applied if they would result in the application of\nnon-California law.\nMEMBERSHIP REQUIREMENT: You understand and agree\nthat you must be and remain a member in good standing\nwith us to be eligible for continuing Account and/or Card\nprivileges including future Transactions. You understand and\nagree that we may suspend or close the Account and/or Card\nprivileges during any period in which you do not maintain\nyour membership with us.\nSEVERABILITY AND FINAL EXPRESSION: This Agreement\nis the final expression of the terms and conditions of your\nAccount. This Agreement may not be contradicted by\nevidence of any alleged oral agreement. Should any part of\nthis Agreement be found to be invalid or unenforceable, all\nother parts of this Agreement shall remain in effect and fully\nenforceable to the fullest extent possible.\nCOPY RECEIVED: You acknowledge receipt of a copy of this\nAgreement and agree to accept its terms.\nNOTICE: See the statement below for important information\nregarding your right to dispute billing errors.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR\nFUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\x0cWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCardholder Services\nPO Box 3112\nTampa, FL 33601\nIn your letter, provide following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us; but if you do, we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\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\nthat 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\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your Credit Limit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report\nyou as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent; and we must let those\norganizations know when the matter has been settled\nbetween us. If we do not follow all of the rules above, you do\nnot have to pay the first $50 of the amount you question even\nif your bill is correct.\nYour rights if you are dissatisfied with your credit card\npurchases:\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave 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\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with\na check that accesses your credit card account do not\nqualify.\n\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, you will contact us in writing at:\nCardholder Services\nPO Box 3112\nTampa, FL 33601\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cFEE\n\nAMOUNT\n\nABOUT THE FEE\n\nAnnual Fee\n\nNone\n\nLate Payment Fee\n\n$15\n\nReturned Payment Fee\n\nNone\n\nCash Advance Fee\n\nEither $5 or 2.5% of the\namount of each cash\nadvance, whichever is\ngreater\n\nBalance Transfer Fee\n\nNone\n\nForeign Transaction\nFee\n\n1% of each international\ntransaction requiring a\ncurrency conversion, or,\n0.8% of each international\ntransaction in U.S. dollars\n\nSee section entitled \xe2\x80\x9cForeign Transactions\xe2\x80\x9d below for\nadditional details.\n\nReplacement Card Fee\n\nOne (1) free replacement\ncard per rolling 12-month\nperiod; $10 each additional\nreplacement card.\n\nExcept as prohibited by applicable law, you may be\ncharged a Replacement Card Fee for all cards issued\nother than the standard re-issue card.\n\nRush Card Fee\n\n$20\n\nWe will charge you a Rush Card Fee to rush each\nrequested replacement card.\n\nConvenience Check\nStop Payment\n\n$28\n\nWe will charge you a Convenience Check Stop\nPayment Fee when you place a stop payment on a\nConvenience Check.\n\nWe will charge you a Late Payment Fee of up to $15\nwith respect to any Billing Period if the Minimum\nPayment Due is not paid within fifteen (15) days after\nthe Payment Due Date. However, the Late Payment\nFee will not exceed the amount of the Minimum\nPayment Due.\n\nFOREIGN TRANSACTIONS: Purchases, Cash Advances (at an\nATM or branch of a financial institution) and credits made in\nforeign currencies will be billed to your Account in U.S. dollars.\nThe conversion to U.S. dollars will be made in accordance with\nthe Visa operating regulations for international transactions. In\nthe event that an international transaction is converted to U.S.\ndollars the exchange rate between the transaction currency\nand the billing currency used for processing international\ntransactions will be: (1) a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the\nrate Visa itself receives; or (2) the government-mandated rate\nin effect for the applicable central processing date. The rate\nin effect on the applicable processing date may differ from\nthe rate on the date you used your Card. When a credit to\nthe account does not fully offset a charge to the account due\nto changes in the rate, you are responsible for the difference.\nFor Purchases and Cash Advances (at an ATM or branch of a\nfinancial institution), we will charge a Foreign Transaction Fee\nin an amount equal to 0.8% of the amount of the Purchase or\nCash Advance for single currency international transactions\n(transactions made internationally without a currency conversion) or 1% for multi-currency international transactions\n(transactions made internationally that require a currency\nconversion). The Foreign Transaction Fee will be added to the\namount of the Purchase or Cash Advance. The 0.8% Foreign\nTransaction Fee for single currency international transactions\ndoes not apply to transactions originating on U.S. military\nbases, U.S. embassies and consulates.\nThe above fees for the Billing Period will be shown on your\nperiodic statement.\n\nBR154 10/2017\nM#123198\n\n\x0c'


b'LO14570.indd 1\n\nVariable Rate Credit Card\nAgreement and\nTruth in Lending Disclosure\nVisa Platinum\nVisa Platinum Rewards\nVisa Signature\n\nImportant Document\nPlease keep for your records\n\nHudson Valley Credit Union\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 2\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 3\n\nVariable Rate Credit Card\nAgreement and\nTruth in Lending Disclosure\nIn this Variable Rate Credit Card Agreement and Truth in\nLending Disclosure (Agreement), the words you and your\nmean each and all of those who applied for the Card. Card\nmeans the Credit Card or Cards for which you applied\nand any duplicates or renewals we issue. Account means\nthis open-end revolving line of credit account established\npursuant to this Agreement. Charges are posted to the\nAccount from the use of the Card, information from the Card\nor any other device or procedure by which the Account can\nbe accessed. We, us and our mean Hudson Valley Credit\nUnion (HVCU).\nRESPONSIBILITY\nYou agree to repay all charges, purchases, cash advances\nand finance charges arising from the use of the Card and the\nAccount. For example, you are responsible for charges made\nby yourself, your spouse, and minor children. You are also\nresponsible for charges made by anyone else to whom you\ngive the Card, and this responsibility continues until the Card\nis recovered. You cannot disclaim responsibility by notifying\nus, but we will close the Account for new transactions if\nyou so request and return all Cards. Your obligation to pay\nthe Account balance continues even though an agreement,\ndivorce decree, or other court judgment to which we are\nnot a party may direct you or one of the other persons\nresponsible to pay the Account.\nIf you have requested an authorized user on your Card, you\nagree to be responsible for all charges made by yourself and\nyour authorized user. You understand the authorized user is\nnot the person liable for debts incurred with the use of the\nCard, and that you are the person solely responsible for the\nAccount.\nGOVERNING LAW\nThis agreement is made in New York and shall be governed\nby the laws of the State of New York to the extent that New\nYork law is not inconsistent with controlling Federal law.\nNew York\xe2\x80\x99s choice of law rules shall not be applied if that\nwould result in the application of non-New York Law.\nENFORCEMENT\nYou agree to be liable to HVCU for any liability, loss, or\nexpense as provided in this Agreement that the Credit Union\nincurs as a result of any dispute involving your accounts\n\n1\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 4\n\nor the services. You authorize HVCU to deduct any such\nliability, loss, or expense from your account without prior\nnotice to you. In the event either party brings a legal action\nto enforce the Agreement, the prevailing party shall be\nentitled, subject to applicable law, to payment by the other\nparty of its reasonable attorney\xe2\x80\x99s fees and costs, including\nfees on any appeal, bankruptcy proceedings, and any postjudgment collections actions, if applicable.\nSEVERABILITY\nIf any term of this Agreement is to any extent invalid, illegal,\nor incapable of being enforced, such term shall be excluded\nto the extent of such invalidity, illegality, or unenforceability;\nall other terms hereof shall remain in full force and effect.\nCREDIT LINE\nWe have established a revolving line of credit for you and\nwill notify you of the credit limit when we issue the Card.\nYou agree not to let the Account balance exceed this\napproved credit line. Each payment you make on your\nAccount will restore your credit line by the amount of the\npayment, which is applied to principal. If you request an\nincrease to your credit limit and we approve the request,\nyour use of the Card constitutes acceptance of the increased\nline. By giving you written notice we may reduce your credit\nline, or with good cause, revoke your Card and terminate\nthis agreement. Good cause includes your failure to comply\nwith this agreement, or an adverse re-evaluation of your\ncreditworthiness. You may also terminate this agreement\nat any time, but termination by either of us does not affect\nyour obligation to pay the Account balance. The Card\nremains our property and you must recover and surrender\nto us all Cards upon our request and upon termination of\nthis agreement.\nUSING THE CARD\nYou understand that the use of your Card will constitute\nacknowledgment of receipt and agreement to the terms of\nthis Agreement.\nTo make a purchase, you and any authorized user may use\nthe Card by presenting it to a participating Visa merchant\nor provide the Card information for purchases not made in\nperson. To make a cash advance, there are two alternative\nprocedures to be followed. One is for you and any\nauthorized user to present the Card to a participating Visa\nmerchant, to us or to another financial institution, and sign\nthe sales or cash advance draft which will be imprinted with\nyour Card. The other is to complete the transaction by using\nyour Personal Identification Number (PIN) in conjunction\nwith the Card in an Automated Teller Machine (ATM) or\nother type of electronic terminal that provides access to\n\n2\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 5\n\nthe Visa system. You may make cash withdrawals that total\n$500.00 per day either individually or in aggregate. This\nservice may not be available at all machines. Dollar amounts\navailable may vary between machines.\nINACTIVITY\nAt the time your Card is due to expire, if your Account has\nbeen inactive for a period of 23 months, we will not reissue\nanother Card and your Account will be closed. You will then\nbe required to re-apply and be re-qualified to use a Card.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER\nWe will issue you a Personal Identification Number (PIN)\nfor use with your Card. This PIN is confidential and should\nnot be disclosed to anyone. In the event a use of your PIN\nconstitutes an electronic funds transfer, the terms and\nconditions of your Electronic Funds Transfer Disclosure &\nAgreement apply.\nLIABILITY FOR UNAUTHORIZED USE\nYou may be liable for unauthorized use of your Card.\nYou will not be liable for unauthorized use that occurs\nafter you notify us of the loss, theft, or other unauthorized\nuse. In any case, your liability will not exceed $50.00 for\nunauthorized cash advances at ATMs, and zero liability for\nunauthorized purchases made with your Card. In order\nto qualify for the zero liability, you must not have been\nnegligent or fraudulent in the handling of the Account.\nIn case of loss or theft, call the credit union immediately at\n845.463.3011.\nMONTHLY PAYMENT\nWe will mail you a statement every month showing your\nprevious balances of purchases and cash advances, the\ncurrent transactions on your Account, the remaining\ncredit available under your credit line, the new balances of\npurchases and cash advances, the total new balance, the\nfinance charge due to date, and the minimum payment\nrequired. Every month you must pay at least the minimum\npayment within 25 days of your statement closing date.\nYou may pay more frequently, pay more than the minimum\npayment, or pay the total new balance in full, and you\nwill reduce the finance charge by doing so. The minimum\npayment will be either (a) 2% of your total new balance, or\n$10.00, whichever is greater, or (b) your total new balance,\nif it is less than $10.00, plus (c) any portion of the minimum\npayment(s) shown on prior statement(s) which remains\nunpaid. In addition, at any time your total new balance\nexceeds your credit line, you must immediately pay the\nexcess upon our demand. Payments made to your Account\n\n3\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 6\n\nwill be applied in the following order: fees, finance charges,\npurchases, and cash advances. We may accept checks\nmarked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with words of similar effect\nwithout losing any of our rights to collect the full balance of\nyour Account with us.\nFINANCE CHARGE\nHOW TO AVOID PAYING INTEREST ON PURCHASES:\n\nYour due date is at least 21 days after the close of each\nbilling cycle. We will not charge you any interest on\npurchases if you pay your entire new balance by the due\ndate each month.\nHOW WE WILL CALCULATE YOUR BALANCE:\nWe use a method called \xe2\x80\x9cAverage Daily Balance (including\nnew purchases)\xe2\x80\x9d.\nHOW WE CALCULATE YOUR BALANCE AND INTEREST\nCHARGE ON BALANCES:\nWe figure the interest charge on your Account by applying\nthe applicable Periodic Rate to the \xe2\x80\x9cBalance Subject to\nInterest Rate\xe2\x80\x9d which is the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your\nAccount for each feature category, including certain current\ntransactions. Feature categories include purchases, balance\ntransfers, cash advances and promotional balances. These\ncalculations may combine different feature categories with\nthe same \xe2\x80\x9cMonthly Periodic Rates\xe2\x80\x9d. The \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d for each feature category is arrived at by taking\nthe beginning balance of such feature category each day\nand adding any new transactions to the balance, except we\nwill not include new purchases if you have paid in full the\nNew Balance on your previous statement by the Payment\nDue Date or if the New Balance on your previous statement\nwas zero. Cash advances incur an interest charge from the\ndate they are posted to your Account. We then subtract any\npayments or credits and unpaid interest or other \xe2\x80\x9cFinance\nCharges\xe2\x80\x9d allocated to the feature category balance for\nthe day. This gives us the daily balance for such feature\ncategory. The daily balances for such feature category are\nthen added together and divided by the number of days in\nthe billing cycle. The result is the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nfor such feature category. The interest charge is determined\nby multiplying the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d by the monthly\nperiodic rate. If your periodic rate is computed using an\nindex, your periodic rate(s) may vary. The Payment Due\nDate will be no less than 21 days after we have sent you\nyour current monthly statement. For your Account to be\nconsidered current and to avoid a late payment fee, you\nmust pay at least the Minimum Payment Due this period\nand any Past Due Amount by the due date shown on your\nstatement.\n\n4\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 7\n\nFor all Cards, the current Monthly Periodic Rate and the\ncorresponding interest rate will be disclosed to you in a\nseparate letter enclosed with this Agreement/Disclosure.\nVARIABLE RATE\nYour Account is subject to a Variable Rate. Your ANNUAL\nPERCENTAGE RATE (APR) may increase (or decrease) if\nour index, the Wall Street Journal Prime Rate in effect on\nthe fifth to last business day of the month increases (or\ndecreases). When a range of rates is published in the Wall\nStreet Journal on that day, the index will be the highest\nrate. Each month, the new index rate is added to the margin\n(disclosed separately in the letter enclosed) to calculate the\nANNUAL PERCENTAGE RATE. The ANNUAL PERCENTAGE\nRATE, when changed, affects your entire balance and is\neffective the first full statement cycle following the change\nin the Prime Rate. The ANNUAL PERCENTAGE RATE will never\nbe more than the rate ceiling allowed by New York State\nLaw. We will not accumulate unused index rate increases\nand decreases. Changes in the ANNUAL PERCENTAGE RATE\nwill result in more (or fewer) payments. We may change the\nindex with proper notice to you.\nIn accordance with federal regulation, for Card balance\ntransfers conducted in certain situations such as, changing\nfrom one product to another within this credit union, the\namount of the transferred balance will remain at the variable\nANNUAL PERCENTAGE RATE in effect for the product from\nwhich the balance was transferred. For example, if you\nwish to change from a Visa Platinum Rewards card to a Visa\nPlatinum Card and this change results in transferring the\nbalance remaining on the Visa Platinum Rewards Card to the\nVisa Platinum Card, the variable ANNUAL PERCENTAGE RATE\nof the Visa Platinum Rewards Card must remain in effect\non the amount transferred until such time that portion of\nthe balance is paid in full and all future transactions will be\ncharged the variable ANNUAL PERCENTAGE RATE in effect\nfor the Visa Platinum Card. This does not apply in situations\nwhen your Card requires replacement, for example if your\nCard is compromised, lost, stolen, etc.\nCHANGE IN TERMS\nWe have the right to change any of the terms of this\nAgreement, including but not limited to rates and fees, at\nany time. You will be given notice of a change as required by\napplicable law. Any change in terms governs your Account\nas of the effective date, and will, as permitted by law and\nat our option, apply both to transactions made on or after\nsuch date and to any outstanding Account balance. We may\namend the Annual Percentage Rate on your Account, based\non the results of our obtaining and evaluating your credit\ninformation. Use of your Account may constitute agreement\nto any change in terms.\n\n5\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 8\n\nRETURNS AND ADJUSTMENTS\nMerchants and others who honor the Card may give credit\nfor returns or adjustments, and they will do so by sending us\na credit, which we will post to your Account. If your credits\nand payments exceed what you owe us, we will hold and\napply this credit balance against future purchases and cash\nadvances, or if it is one dollar or more, refund it on your\nwritten request or automatically after 6 months.\nCASH ADVANCE FEE\nFor each cash advance conducted in person at a branch, we\nwill assess a cash advance transaction fee equal to 2% of the\namount of the cash advance. Cash advance transaction fees\nwill be added to the cash advance balance on your Account.\nFOREIGN TRANSACTIONS\nPurchases, cash withdrawals, cash advances, and credits\nmade or initiated in foreign countries or foreign currencies\nwill be billed to you in U.S. dollars regardless of your\nphysical location. A transaction\xe2\x80\x99s location for purposes\nof invoking the foreign transaction fee is determined\nby internationally-based or overseas merchants, or the\nphysical location of the merchant who consummates the\ntransaction rather than where the consumer member is\nphysically located. The conversion into dollars will be made\nin accordance with the operating rules for international\ntransactions established by Visa, USA, Inc. and may occur on\na date other than the date of the transaction; therefore, the\ncurrency conversion rate may be different than the rate in\neffect at the time of the transaction.\nWe do not determine the currency conversion rate that\nis used nor do we receive any portion of the currency\nconversion rate. You agree to pay the converted amount.\nThe exchange rate to dollars will be a rate that is in effect for\nthe applicable central processing date and is selected either\nfrom the range of rates available in wholesale currency\nmarkets; or the government mandated rate. A FOREIGN\nTRANSACTION FEE of 1% of the transaction amount will be\nassessed on Visa Platinum and Visa Platinum Rewards and\nwill be shown independently of the transaction on your\nbilling statement.\n\n6\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 9\n\nSTATUTORY LIEN AND SECURITY INTEREST\nIf you are in default on any financial obligation, Federal\nlaw permits us to enforce a statutory lien and security\ninterest on all accounts in which you have an ownership\ninterest by transferring funds from these accounts to\nsatisfy your obligtions. We may also restrict access to\nthese accounts. This security interest does not apply\nto the extent it otherwise violates federal law, to\nany Individual Retirement Account, or to any other\naccount that would lose special tax treatment under\nstate or federal law if given as security.\n\nCROSS COLLATERAL\nTo secure your Account, you grant us a purchase money\nsecurity interest under the Uniform Commercial Code (UCC)\nin any goods you purchase through the Account, except\nproperty used for personal, family or household purposes.\nAny collateral securing other loans with us (other than your\nprincipal dwelling) will also secure advances made under\nthis Agreement. If you default, we will have the right to\nrecover any of these goods, which have not been paid for\nthrough our application of your payments in the manner\ndescribed under the paragraph Monthly Payments, as\nprovided in this Agreement.\nMERCHANT DISPUTES\nWe are not responsible for the refusal of any merchant,\nfinancial institution, or automated equipment to honor or\naccept your Card.\nWe are subject to claims and defenses (other than tort\nclaims) as described under YOUR BILLING RIGHTS.\nDEFAULT\nYou will be in default if:\n1. you fail to make any minimum payment within 25\ndays of your statement date;\n\n2.\n\nyou fail to live up to the terms and conditions of this\nAgreement and Truth in Lending Disclosure;\n\n3.\n\nyour creditworthiness is impaired;\n\n4.\n\nyou die, become insolvent, or are the subject of\nbankruptcy or receivership proceedings;\n\n5.\n\nyou have made a misrepresentation in connection\nwith the Card application and/ or this Agreement, or;\n\n6.\n\nyou are in default on any other loan with us.\n\nIf you are in default, we have the right to terminate this\nAgreement and demand immediate payment of your full\n\n7\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 10\n\nAccount balance, subject to our giving you any notice\nrequired by law. To the extent permitted by law, you will\nalso be required to pay our collection expenses, including\ncourt costs and reasonable attorney fees.\nCREDIT INFORMATION\nYou authorize us to disclose information regarding your\nAccount to credit bureaus and other creditors who inquire\nof us about your credit standing. You also authorize us to\nrequest and use a report(s) from outside credit reporting\nagencies in considering your original request for credit or\nin connection with renewal or continuation of the credit for\nwhich you have applied. If you request it, we will tell you\nwhether or not we asked for such a report, and if we have,\ngive you the name and address of the agency or agencies.\nEFFECT OF AGREEMENT\nThis agreement will be effective when you or an authorized\nuser uses the Card or the Account, or if you fail to cut your\nCard in half and return it to us within 30 days after it is\nissued to you. This agreement applies to all transactions on\nyour Account even though the sales, cash advance, credit, or\nother slips you sign or receive may contain different terms.\nFEES\nIf you fail to make any minimum payment within 35 days of\nthe statement date, a late fee will be imposed as set forth in\nthe Fee Schedule.\nYour Card is also subject to other applicable fees as set\nforth in the Fee Schedule.\nThe Fee Schedule accompanies this Agreement and\nDisclosure and is incorporated by this reference. We will\ncharge such fees against your Account.\nNO WAIVER\nWe can delay enforcing any of our rights any number of\ntimes without losing them.\nSTATEMENTS\nStatements and notices will be mailed to you at the most\nrecent address given to us. Notice sent to any one of you\nwill be considered notice to all. The monthly statement\nwill identify the merchant, electronic terminal or financial\ninstitution at which transactions were made, but sales,\ncash advance, credit, or other slips cannot be returned with\nthe statement. You should retain the copy of such slips\nfurnished at the time of the transaction in order to verify\nthe monthly statement.\nACCOUNT BALANCE RESTRICTIONS\nIn order to be approved for and maintain a Secured Visa\n\n8\n\n2/25/2021 10:35:15 AM\n\n\x0cLO14570.indd 11\n\nAccount, you agree to give us a specific pledge of shares\nwhich will equal your credit limit. You may cancel your\nSecured Visa Account at any time without penalty and\nredeem your pledged shares by paying any amounts\nborrowed through the use of your Card. In order to be\ncertain that your entire balance and all advances on your\nAccount are paid, any shares pledged may not be available\nfor 30 days after you have cancelled your Account and any\noutstanding balance is paid in full.\nAUTOMATIC PAYMENT SERVICE\nIf you requested to have your Card payment made\nautomatically, your payment will be made on the due date\nprinted on your statement. If the payment date falls on a\nweekend or holiday, the payment will be made the next\nprocessing day. Payments will be based on the ending\nbalance from the previous month\xe2\x80\x99s statement.\nIf you wish to cancel this service, you may notify us either\nby calling or writing, at any time, up to 3 business days\nbefore the scheduled date of the transfer. You must follow\nup any oral notification, in writing, within 14 days of the oral\nnotification.\nILLEGAL USE OF FINANCIAL SERVICES\nAny financial service provided by the credit union may be\nused for any transaction permitted by law. You agree that\nillegal use of any financial service will be deemed an action\nof default and/or breach of contract and such service and/or\nother related services may be terminated at our discretion.\nIllegal use includes, but is not in any way limited to, unlawful\nInternet gambling. You further agree, should illegal use occur,\nto waive the right to sue us for such illegal activity directly\nor indirectly related to it. You also agree to indemnify and\nhold the credit union harmless from any suits or other legal\naction or liability, directly or indirectly, including credit union\nexpenses associated with defense of such law suits or other\nlegal action, including attorney fees, resulting from such\nillegal use.\nBLOCKING CARDS AND/OR REFUSAL TO AUTHORIZE\nTRANSACTIONS\nWe may block this Card due to the appearance of unusual\nspending behaviors or block transactions originating in\ncertain domestic or international regions where there is a high\nvolume of fraud.\nCONVENIENCE CHECKS\nYou can access your revolving line of credit to purchase\ngoods and services or to obtain cash up to the amount of\nyour credit limit through the use of convenience checks.\nUse of your convenience checks is a cash advance on\n\n9\n\n2/25/2021 10:35:15 AM\n\n\x0cyour Account and is subject to a $10,000 daily limit. We\nare not required to honor a convenience checks that will\ncause you to exceed your credit limit. We will not pay a\nconvenience check if at the time the check is presented,\nyou are in default or we have suspended, terminated or\ncancelled your Account. Each convenience check must be in\nthe form we have issued to you. Convenience checks may\nbe used only by the person whose name is printed on the\ncheck. You are responsible for all authorized use of your\nconvenience check. You may not use a convenience check\nto pay any amount which you owe us under your Account.\nYour monthly statement will show you an itemization of\nthe convenience checks posted to your Account during\nthe billing cycle. Convenience checks paid by us will not\nbe returned to you with your monthly statement. You may\norder a stop payment on a convenience check by notifying\nus orally or in writing. Oral notices must be confirmed in\nwriting within fourteen (14) days. Written stop payment\norders will remain in effect for six (6) months, but may\nbe renewed for an additional six (6) month period by\nwritten notice during the time the stop payment order\nwas effective. We will charge a fee when we place a stop\npayment on your check(s). Convenience checks are the\nproperty of the credit union. We reserve the right to revoke\nthem at any time. You agree to return them at our request.\nINTEGRATED DOCUMENTS\nAny separate sheet of paper, which is delivered to you with\nthis Agreement, is an integrated part of this Agreement and\nDisclosure.\nHOLDER IN DUE COURSE NOTICE (If applicable)\n\nNOTICE: ANY HOLDER OF THIS\nCONSUMER CREDIT CONTRACT IS\nSUBJECT TO ALL CLAIMS AND DEFENSES\nWHICH THE DEBTOR COULD ASSERT\nAGAINST THE SELLER OF GOODS OR\nSERVICES OBTAINED PURSUANT HERETO\nOR WITH THE PROCEEDS HEREOF.\nRECOVERY HEREUNDER BY THE DEBTOR\nSHALL NOT EXCEED AMOUNTS PAID BY\nTHE DEBTOR HEREUNDER.\nYOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR\nFUTURE USE\nThis notice tells you about your rights and our\nresponsibilities 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:\n\nLO14570.indd 12\n\n10\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 13\n\nHudson Valley Credit Union\nP.O. Box 1071\nPoughkeepsie, NY 12602-1071\nYou may also contact us on the web at hvcu.org and click\non \xe2\x80\x9cContact Us.\xe2\x80\x9d\nIn your letter, give us the following information:\n\n\xe2\x80\xa2\n\nAccount information: Your name and account\nnumber.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected\nerror.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\n\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated\npayment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\n\xe2\x80\xa2\n\nYou must notify us of any potential errors in\nwriting or electronically. You may call us, but if\nyou do we are not required to investigate any\npotential errors and you may have 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 of receiving your letter, we must tell you\nthat 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\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an\nerror:\n\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\n11\n\n2/25/2021 10:35:16 AM\n\n\x0c\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit\nlimit.\n\nAfter we finish our investigation, one of two things will\nhappen:\n\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the\namount in question or any interest or other fees\nrelated to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You\nwill have to pay the amount in question, along\nwith applicable interest and fees. We will send\nyou a statement of the amount you owe and the\ndate payment is due. We may then report you as\ndelinquent if you do not pay the amount we think\nyou owe.\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question even if your\nbill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR\nCREDIT CARD PURCHASES:\nIf you are dissatisfied with the goods or services that you\nhave purchased with your Card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave 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\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your Card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your 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\n\nLO14570.indd 14\n\n12\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 15\n\ndissatisfied with the purchase, contact us in writing at:\nHudson Valley Credit Union\nP.O. Box 1071\nPoughkeepsie, NY 12602-1071\nor electronically at hvcu.org and click on \xe2\x80\x9cContact Us\xe2\x80\x9d.\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may\nreport you as delinquent.\nMandatory Arbitration\n\nAny claim, dispute, or controversy (\xe2\x80\x9cClaim\xe2\x80\x9d) arising out\nof or relating to this Agreement or the relationships\namong the parties hereto shall be resolved by one\narbitrator through binding arbitration administered by\nthe American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) in the State\nof New York, under the AAA Consumer Rules in effect at\nthe time the Claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d). Copies of the\nAAA Rules and forms can be located at www.adr.org, or\nby calling 1.800.778.7879. The arbitrator\xe2\x80\x99s decision shall\nbe final, binding, and non-appealable. Judgment upon\nthe award may be entered and enforced in any court\nhaving jurisdiction. The costs of the arbitration, including\narbitrator\xe2\x80\x99s fees, shall be borne equally by the parties to\nthe arbitration, unless the arbitrator orders otherwise.\nThis clause is made pursuant to a transaction involving\ninterstate commerce and shall be governed by the\nFederal Arbitration Act. Neither party shall sue the other\nparty other than as provided herein or for enforcement\nof this clause or of the arbitrator\xe2\x80\x99s award; any such suit\nmay be brought only in Federal District Court or, if any\nsuch court lacks jurisdiction, in any state court that has\njurisdiction. The arbitrator, and not any federal, state,\nor local court, shall have exclusive authority to resolve\nany dispute relating to the interpretation, applicability,\nunconscionability, arbitrarily, enforceability, or formation\nof this Agreement including any claim that all or any\npart of the Agreement is void or voidable. However, the\npreceding sentence shall not apply to the clause entitled\n\xe2\x80\x9cClass Action Waiver.\xe2\x80\x9d\nThis provision does not apply to covered borrowers, as\nsuch term is defined in the Military Lending Act, as may be\namended from time to time.\nClass Action Waiver\n\nAny claim must be brought in the respective party\xe2\x80\x99s\nindividual capacity, and not as a plaintiff or class member\nin any purported class, collective, representative, multi-\n\n13\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 16\n\nplaintiff, or similar proceeding (\xe2\x80\x9cClass Action\xe2\x80\x9d). The parties\nexpressly waive any ability to maintain any Class Action\nin any forum. The arbitrator shall not have authority to\ncombine or aggregate similar claims or conduct any Class\nAction nor make an award to any person or entity not a\nparty to the arbitration. Any claim that all or part of this\nClass Action Waiver is unenforceable, unconscionable,\nvoid, or voidable may be determined only by a court of\ncompetent jurisdiction and not by an arbitrator.\nTHE PARTIES UNDERSTAND THAT THEY WOULD HAVE\nHAD A RIGHT TO LITIGATE THROUGH A COURT, TO\nHAVE A JUDGE OR JURY DECIDE THEIR CASE AND TO\nBE A PARTY TO A CLASS OR REPRESENTATIVE ACTION.\nHOWEVER, THEY UNDERSTAND AND CHOOSE TO\nHAVE ANY CLAIMS DECIDED INDIVIDUALLY, THROUGH\nARBITRATION.\nThis provision does not apply to covered borrowers, as\nsuch term is defined in the Military Lending Act, as may be\namended from time to time.\nWaiver of Jury Trial\nSubject to and without modifying or waiving in any way the\nclauses above entitled \xe2\x80\x9cMandatory Arbitration\xe2\x80\x9d and \xe2\x80\x9cClass\nAction Waiver,\xe2\x80\x9d each of the parties hereby unconditionally\nwaives any right to a jury trial with respect to and in any\naction, proceeding, claim, counterclaim, demand, dispute,\nor other matter whatsoever arising out of or related to this\nAgreement.\nThis provision does not apply to covered borrowers, as\nsuch term is defined in the Military Lending Act, as may be\namended from time to time.\nCredit Line Changes\nYou agree that without giving you advance notice, or upon\nyour written request, we may increase your Line Of Credit\nat our discretion. By updating, reviewing, or extending\nyour Line of Credit, we may request a new credit report and\nemployment verification without telling you.\nMAPR Statement\nFederal law provides important protections to members\nof the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: The costs associated\nwith credit insurance premiums; fees for ancillary products\nsold in connection with the credit transaction; any\n\n14\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 17\n\napplication fee charged (other than certain application\nfees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation\nfees for a credit card account). You may obtain this\ndisclosure orally toll-free at 844.348.1617.\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 18\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 19\n\n2/25/2021 10:35:16 AM\n\n\x0cLO14570.indd 20\n\nCJ\ntz::=I\n\nHudsonValley\xc2\xae\nCREDIT UNION\n\nLO14570-V8 2/2021\n\n2/25/2021 10:35:16 AM\n\n\x0c'