b'M-120639 (07/20)\nVISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT\nTINKER FEDERAL CREDIT UNION - VISA SIGNATURE\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE\n0.00% introductory rate on purchases for 6 months from date of account opening; thereafter, the APR is set\nRATE (APR) for\nby your credit rating at the time of account opening.*\nPurchases\n\nRate 1 \xe2\x80\x93\n\n10.75%\n14.75%\n\nRate 2 \xe2\x80\x93 11.75% Rate 3 \xe2\x80\x93\n\n12.75%\n\nRate 4 \xe2\x80\x93 13.75%\n\nRate 5 \xe2\x80\x93\nThe APR will vary with the market based on the Prime Rate.\nAPR for Balance\nTransfers\n0% Introductory Rate is not\navailable for transfers from\ncurrent TFCU credit card\naccounts.\nSee \xe2\x80\x9cOther Terms\xe2\x80\x9d Below\nAPR for Cash Advances\n\nPaying Interest\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\nFees\nSet-Up and Maintenance\nFees\n\xe2\x97\x8f Annual Fee\nTransaction Fees\n\xe2\x97\x8f Balance Transfer Fee\n\xe2\x97\x8f Cash Advance Fee\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\xe2\x97\x8f Late Payment\n\xe2\x97\x8f Returned Check Fee\n\n0.00% introductory rate on balance transfers for 6 months on balance transfers that occur within the first 60\ndays of account opening; thereafter, the APR is set by your credit rating at the time of account opening.*\nRate 1 \xe2\x80\x93 12.75% Rate 2 \xe2\x80\x93 13.75% Rate 3 \xe2\x80\x93 14.75% Rate 4 \xe2\x80\x93 15.75% Rate 5 \xe2\x80\x93 16.75%\nBalance transfer APR: The current program APR which will be set by your credit rating at the time of account\nopening.* The APR will vary with the market based on the Prime Rate.\nRate 1 \xe2\x80\x93 12.75% Rate 2 \xe2\x80\x93 13.75% Rate 3 \xe2\x80\x93 14.75% Rate 4 \xe2\x80\x93 15.75% Rate 5 \xe2\x80\x93 16.75%\nCash advance APR: The current program APR which will be set by your credit rating at the time of account\nopening.* The APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on\npurchases if you pay your entire balance by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nNone\n2.50%\n2.00%\n1% of each transaction in U.S. dollars.\nUp to $22 -If your minimum monthly payment is not received by us on the due date on your monthly statement,\nwe may impose a late fee of up to $22 which will be reflected on the following monthly statement.\nUp to $20 - the Credit Union may charge a return check fee for each return by a bank or other depository\ninstitution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as\npayment on the credit card account.\n\nOther Fees\n\xe2\x97\x8f Statement Copy\n\xe2\x97\x8f Ticket Copy\n\n$2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s).\nThe Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request for a\nduplicate copy of a sales slip is in connection with any disputed billing matter, (see \xe2\x80\x9cYOUR BILLING\nRIGHTS\xe2\x80\x9d), a fee will not be imposed.\n$25 - Travel and Entertainment documents\n$6 - Original sales slip\n$5 - Photocopy of sales slip\n\xe2\x97\x8f Card Replacement Fee\n$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards expiration date.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d See the INTEREST\nCHARGE CALCULATION METHODS section of this cardholder agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder agreement under\nthe YOUR BILLING RIGHTS section.\n*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624)\nYour account must be open to receive a Year-End Purchase Summary and to use other program benefits.\nOther Terms: IMPORTANT NOTICE TO CURRENT TFCU CREDIT CARD ACCOUNT HOLDERS If you currently have a credit card issued by TFCU and you decide to\napply to instead use the new VISA Signature Cash-Back credit card to be issued by TFCU, there are a number of important disclosures of terms for you to consider first before you\napply. You will not be charged the 2.50% balance transfer fee for transfers from your current TFCU-issued credit card, but you will NOT receive the promotional rate of 0% APR\nfor 6 months. Instead, you will be required to continue to pay Prime Rate plus the percentage rates set based on your credit score at the time you opened the account on any amounts\nyou transfer to this card. You will also be paying an interest rate which will be the HIGHER RATES on the chart for your specific type of card on all new purchases, balance\ntransfers, and cash advances if you do not pay off the entire outstanding balance each month before the 25-day grace period to make your payment expire each month. You also will\npay a new 2.50% balance transfer fee on all balance transfers from other lenders. You will be paying a new 2.00% fee on all cash advances. On your current account you do not\nhave any fee on balance transfers or cash advances, although both do immediately begin to accrue interest, just as they will on this new account, but at the lower rates instead of the\nhigher interest rate you will pay on the new account. You will lose any CURewards points you may have if you close your current account before the points are used. Lower credit\nlimits may be set on the new account and you will not be permitted to transfer balances if you choose to keep your current card and also apply for the new account, and your credit\nscore may be affected.\n\n1\n\n\x0cDEFINITIONS\nExcept as the context otherwise requires (a) \xe2\x80\x9cAccount(s)\xe2\x80\x9d means\nmy Visa Signature credit card account established with Tinker\nFederal Credit Union and governed by this Agreement; (b) \xe2\x80\x9cIssuer\xe2\x80\x9d\nand/or \xe2\x80\x9cCredit Union\xe2\x80\x9d means Tinker Federal Credit Union of P.O.\nBox 45750, Tinker Air Force Base, Oklahoma 73145; (c) \xe2\x80\x9cI,\xe2\x80\x9d\n\xe2\x80\x9cMe,\xe2\x80\x9d \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cMy,\xe2\x80\x9d \xe2\x80\x9cOur,\xe2\x80\x9d \xe2\x80\x9cMine,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and\nCardholder(s)\xe2\x80\x9d mean all persons who have signed the application\nfor Visa Signature and/or used or permitted others to use the card;\n(d) the \xe2\x80\x9cCard\xe2\x80\x9d or \xe2\x80\x9cCards\xe2\x80\x9d means the Visa Signature card(s)\nenclosed herewith; (e) \xe2\x80\x9cAgreement\xe2\x80\x9d means this document; (f)\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means all cash advances obtained at any time\nthrough the use of the card from any financial institution authorized\nto honor the cards; (g) \xe2\x80\x9cCredit Limit\xe2\x80\x9d means the dollar amount\nCredit Union approved against which I may borrow in accordance\nwith this Agreement; (h) \xe2\x80\x9cApplication\xe2\x80\x9d means the credit application\nI/We filled out and signed which is incorporated herein and made a\npart of this Agreement; (i) \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the rate published\ndaily in The Wall Street Journal under the caption \xe2\x80\x9cMoney\nRates\xe2\x80\x9d and described as the base rate on corporate loans at large\nUnited States money center commercial banks. If the \xe2\x80\x9cPrime Rate\xe2\x80\x9d\nso published is a range, the \xe2\x80\x9cPrime Rate\xe2\x80\x9d will mean the highest of\nthe published range.\nAGREEMENT TO EXTEND CREDIT\nCredit Union agrees to extend credit to cardholder and advance\namounts, up to cardholder\xe2\x80\x99s credit limit, to pay for: (i) all\npurchases of goods and services of whatever type and nature made\nat any time through the use of the card at businesses authorized to\nhonor a card, and (ii) all cash advances obtained at any time through\nthe use of the card from any financial institution or ATM authorized\nto honor a card.\nPROMISE TO PAY AND PERSONS LIABLE\nBy signing the application, retaining, and/or using the card(s) or\nallowing an authorized party to use the card(s), I/We promise to pay\nto Credit Union, or anyone Credit Union designates, all amounts\nloaned under this Agreement plus the applicable interest charges,\nattorney\xe2\x80\x99s fees, court cases or other amounts that I/We owe Credit\nUnion. If more than one person applies for the card(s), each person\nwill be issued a card and will be a cardholder under this Agreement.\nThe cardholder whose name appears first on the application will be\nconsidered the \xe2\x80\x9cPrimary Cardholder.\xe2\x80\x9d The cardholder will be\nresponsible for all purchases, cash advances, and all interest charges\nimposed under this Agreement. If there is more than one\ncardholder for the account, each cardholder will be liable for all\namounts payable on the account regardless of which cardholder is\nresponsible for incurring such amounts. Each cardholder will also\nbe responsible for complying with all of the other terms of this\nAgreement.\nCREDIT LIMIT\nThe Credit Union has established an initial credit limit for\ncardholder\xe2\x80\x99s account(s) and reserves the right at any time, at\ncardholder\xe2\x80\x99s request or otherwise, to change the amount of credit\navailable through cardholder\xe2\x80\x99s Visa Signature account(s).\nCardholder agrees not to incur charges or to permit others to incur\ncharges that would result in credit in excess of cardholder\xe2\x80\x99s\nauthorized amount. The Credit Union does not allow over-the-limit\ncharges as a term of this product. If the credit limit should be\nexceeded, for any reason, even inadvertently, cardholder agrees to\npay the amount over the limit immediately upon notice from the\nCredit Union. Examples of inadvertent excess of credit limit\ninclude, but are not limited to, returned payments and merchant\nauthorizations.\n\nINTEREST CHARGE CALCULATION METHODS\nThe interest charge calculation method applicable to your account\nfor cash advances and credit purchases of goods and services that\nyou obtain through the use of your card is explained below.\nCalculation Method A is used to determine the interest charge on\ncash advances. Calculation Method G is used to determine the\ninterest charge on purchases of goods or services.\nMethod A \xe2\x80\x93 The interest charge on cash advances begins to accrue\non the date you obtain the cash advance or the first day of the\nbilling cycle in which it is posted to your account, whichever is\nlater. The interest charges for a billing cycle are computed by\napplying the daily periodic rate to the average daily balance\nmultiplied by the number of days in the billing cycle OR the\nmonthly periodic rate to the average daily balance during the billing\ncycle, which is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the cycle.\nEach daily balance is determined by adding to the previous balance\n(the outstanding balance of your account at the beginning of the\nbilling cycle) any new credit purchases posted to your account and\nany new cash advances received, and subtracting any payments as\nreceived or credits as posted to your account, but excluding any\nunpaid interest charges.\nMethod G \xe2\x80\x93 The interest charge on credit purchases begins to\naccrue on the date each purchase is posted to your account. To\navoid incurring an interest charge on the balance of credit purchases\nreflected on your monthly statement and on any new credit\npurchases appearing on your next statement, you must pay the new\nbalance shown on your monthly statement on or before the payment\ndue date. The interest charges for a billing cycle are computed by\napplying the daily periodic rate to the average daily balance\nmultiplied by the number of days in the billing cycle OR the\nmonthly periodic rate to the average daily balance of credit\npurchases, which is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the cycle.\nEach daily balance is determined by adding to the previous balance\nof credit purchases, any new credit purchases posted to your\naccount and subtracting any payments as received and credits as\nposted to your account, but excluding any unpaid interest charges.\nVARIABLE RATE DISCLOSURE\nThe Annual Percentage Rate is initially determined by your credit\nrating. I understand that the monthly periodic rates and the Annual\nPercentage Rates are variable rates that may change from time to\ntime. The current effective rates are disclosed on the insert the\nCredit Union has furnished to me based on my credit score at the\ntime of account opening. My Annual Percentage Rate (APR)\nmay change (increase or decrease) from time to time based on\nmovements in the Prime Rate, published in The Wall Street\nJournal on the 25th calendar day prior to the beginning of the\ncalendar quarter. If this date falls on a weekend or holiday, the\npublished rate on the next business day will be utilized. My new\nrate will not become effective until after the end of my current\nbilling cycle in which movement of the Prime Rate dictates a\nchange to the Annual Percentage Rate currently in effect.\n\n2\n\n\x0cFor purchases:\nRate 1 \xe2\x80\x93 If I receive Rate 1, the APR will be determined by adding\n7.5% to the Prime Rate.\nRate 2 \xe2\x80\x93 If I receive Rate 2, the APR will be determined by adding\n8.5% to the Prime Rate.\nRate 3 \xe2\x80\x93 If I receive Rate 3, the APR will be determined by adding\n9.5% to the Prime Rate.\nRate 4 \xe2\x80\x93 If I receive Rate 4, the APR will be determined by adding\n10.5% to the Prime Rate.\nRate 5 \xe2\x80\x93 If I receive Rate 5, the APR will be determined by adding\n11.5% to the Prime Rate.\n\nstolen, but not the card, you are not liable for any unauthorized use.\nIf you dispute any transaction, while we investigate, you must\ntimely pay other amounts owing, including finance charges on the\ndisputed amount.\n\nFor balance transfers and cash advances:\nRate 1 \xe2\x80\x93 If I receive Rate 1, the APR will be determined by adding\n9.5% to the Prime Rate.\nRate 2 \xe2\x80\x93 If I receive Rate 2, the APR will be determined by adding\n10.5% to the Prime Rate.\nRate 3 \xe2\x80\x93 If I receive Rate 3, the APR will be determined by adding\n11.5% to the Prime Rate.\nRate 4 \xe2\x80\x93 If I receive Rate 4, the APR will be determined by adding\n12.5% to the Prime Rate.\nRate 5 \xe2\x80\x93 If I receive Rate 5, the APR will be determined by adding\n13.5% to the Prime Rate.\n\nDISCLAIMER OF LIABILITY\nThe Credit Union shall not be responsible if a merchant or financial\ninstitution shall refuse to honor any card. Refusal to honor shall not\naffect or impair the obligation of cardholder to pay all sums due on\nan account in accordance with the terms hereof. Notices hereunder\nshall be effective only if given in writing to Credit Union at its\noffice and to cardholder at my last known mailing address, as\nshown on Credit Union\xe2\x80\x99s records.\n\nThe periodic rate will be adjusted after the end of my current billing\ncycle in each calendar quarter in which movement of the Prime\nRate dictates a change. Calendar quarters begin January 1, April 1,\nJuly 1, and October 1 of each year. I understand that my monthly\nperiodic rate will be 1/12th of the applicable APR. If there is an\nincrease in the Prime Rate, my minimum monthly payment may\nalso increase. Likewise, if the Prime Rate decreases, my minimum\nmonthly payment may also decrease. However, in no event will\nthe Annual Percentage Rate exceed 18.0% (which corresponds to\na monthly rate of 1.5%)\nMONTHLY PAYMENTS\nCardholder(s) agree to pay monthly on or before the payment due\ndate either: (i) the total \xe2\x80\x9cNew Balance\xe2\x80\x9d which includes any of the\nprevious unpaid balances, purchases, cash advances, payments and\ncredits or (ii) at least the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d required, which is\nthe greater of $15.00 or 3% of the outstanding \xe2\x80\x9cNew Balance\xe2\x80\x9d as\nshown on the monthly statement. Payment \xe2\x80\x9cDue Date\xe2\x80\x9d on the\nstatement is twenty-five (25) days from the statement\xe2\x80\x99s \xe2\x80\x9cClosing\nDate.\xe2\x80\x9d The amounts paid as part of the Minimum Payment and all\namounts paid over the Minimum Payment are applied to balances as\npermitted by law. We do not charge interest on interest.\nAll payments shall be considered made when received on any\nbusiness day (excluding federal holidays), when received at Tinker\nFederal Credit Union\xe2\x80\x99s billing address, P.O. Box 45750, Tinker\nAFB, OK 73145, and when accompanied by the return portion of\nthe cardholder statement\nCREDIT CARD LOSS OR FRAUDULENT TRANSFERS\nUnder the Fair Credit Billing Act, your liability for unauthorized\nuse of your card is capped at $50. However, if you report the loss\nof your card before your credit card is used, you are not responsible\nfor any charges you did not authorize. Likewise, if you exercise\nreasonable care in safeguarding your card from loss or theft and\npromptly report any loss or theft of your card to TFCU you have\nZERO liability. TFCU must be notified of loss, theft, or possible\nunauthorized use of the credit card by notification in person, by\ncalling (405) 732-0324, option 6, or (800) 456-4828, option 6, or by\nwriting to TFCU at P.O. Box 45750, Tinker AFB, Oklahoma\n73145, Attn: Credit Card Department. If your credit card number is\n\nATTORNEY\xe2\x80\x99S FEES\nCardholder agrees to pay all reasonable costs of collection including\nreasonable attorney\xe2\x80\x99s fees not in excess of fifteen percent (15%) of\nthe unpaid debt, court costs, and other lawful charges incurred by\nthe Credit Union in collecting the cardholder\xe2\x80\x99s indebtedness,\nwhether or not suit is brought.\n\nOWNERSHIP OF CARDS\nCard(s) shall at all times remain the property of the Credit Union;\nthe cardholder agrees to surrender them upon demand. The Credit\nUnion may revoke the credit cards and cancel my line of credit if\nissuer reasonably believes prospects of repayment are impaired,\nthen the unpaid balance becomes immediately due and payable at\nonce and my line of credit is cancelled. If Credit Union revokes the\ncredit cards and cancels the credit line, this does not affect\ncardholder\xe2\x80\x99s obligations to repay the credit union. Cardholder may\ncancel account by written notice and return of the cut cards to the\nCredit Union\xe2\x80\x99s Credit Card Department\nAMENDMENT\nI agree that the terms of this Agreement are applicable to any\ncardholder. I also agree that Credit Union may change the terms of\nthis Agreement at any time with written notice required by law\nbefore the change becomes effective. Any changes to the\nAgreement may apply to all outstanding indebtedness incurred\nbefore, on, or after the effective date of the changes. Cardholder\xe2\x80\x99s\nfailure to terminate the account prior to the effective date of an\nAmendment shall constitute acceptance of such Amendment. To\nterminate the account, all credit cards must be returned to Tinker\nFederal Credit Union Credit Card Department and the cardholder\nwill be required to pay the account in accordance with the terms of\nthe Cardholder Agreement and Disclosure Statement.\nCHOICE OF LAW\nI acknowledge and understand that the obligations under this\nAgreement represented by charges to my account(s) were\ncontracted for and became binding when the sales drafts, card slips\nor other credit devices were accepted by the Credit Union and\ncaused the holder of the same to be paid, and this occurred in\nOklahoma County, and the courts of Oklahoma County shall have\nvenue to try controversies arising out of this agreement. If any\nportion of the Agreement is determined to be unenforceable, it will\nnot make any other part unenforceable.\nIRREGULAR PAYMENTS: DELAY IN ENFORCEMENT\nThe Credit Union can accept late payments, partial payments,\nchecks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having\nthe same effect without losing any of the cardholder\xe2\x80\x99s rights under\nthis Agreement. The Credit Union can also delay enforcing our\nrights under this Agreement any number of times without losing\nthem. The fact that the Credit Union may honor a purchase or cash\n3\n\n\x0cadvance in excess of the credit limit does not obligate the Credit\nUnion to do so thereafter.\n\nEVENTS OF DEFAULT\nI will be in default under this Plan and Agreement if any of the\nfollowing events shall occur:\n(a) If I fail to comply with the minimum payment or any other\nterms or conditions of this Agreement I may have with you;\n(b) If I should die or become insolvent;\n(c) If a petition should be filed or other proceeding should be\nstarted under the Federal Bankruptcy Code or any State\ninsolvency Statute by or against me;\n(d) If a receiver should be appointed or a writ or order of\nattachment, levy or garnishment should be issued against me or\nany of my property, assets or income;\n(e) If Credit Union should consider itself or any debts due under\nthis Agreement unsafe or not completely secure of if Credit\nUnion should believe, in good faith, that the chances of my\npaying or performing all of my obligations under this\nAgreement have been impaired; or\n(f) If anything in the application or use of this card is\nmisrepresented or used for any fraudulent purchase.\nENTIRE BALANCE DUE\nIf any of the above events of default should occur, my entire\noutstanding balance shall immediately become due and payable,\nwithout Credit Union notifying me, with interest due on the balance\nat the applicable APR as provided herein per year until paid, and\nCredit Union\xe2\x80\x99s obligations to honor my use of the card to get credit\nextensions from anyone or to make further advances to me shall, at\nCredit Union\xe2\x80\x99s option, and without notice, immediately end. If I\nfail to pay the outstanding balance immediately, on Credit Union\xe2\x80\x99s\ndemand, I agree to pay all of Credit Union\xe2\x80\x99s collection expenses,\nincluding Credit Union\xe2\x80\x99s reasonable attorney\xe2\x80\x99s fees.\n\nconnection with the participation of another person in unlawful\nInternet gambling:\n\xe2\x96\xa0 Credit, or the proceeds of credit, extended to or on behalf of such\nperson (including credit extended through the use of a credit card);\n\xe2\x96\xa0 An electronic fund transfer, or funds transmitted by or through a\nmoney transmitting business, or the proceeds of an electronic fund\ntransfer or money transmitting service, from or on behalf of such\nother person; and\n\xe2\x96\xa0 Any check, draft, or similar instrument that is drawn by or on\nbehalf of such other person and is drawn on or payable at or through\nany financial institution.\nInternet gambling will generally be deemed to be unlawful unless it\nis expressly authorized by license issued by an appropriate State or\nTribal authority.\nCREDIT INVESTIGATION\nSince Credit Union has the sole right to approve my application and\nallow me to use the card(s) now and in the future, I authorize Credit\nUnion at any time to make or have made whatever credit\ninvestigation Credit Union feels is proper to evaluate my credit,\npersonal or financial standing and /or employment, and I authorize\nCredit Union to share my credit experience with credit bureaus. I\nalso agree to furnish Credit Union current financial statements in\nsuch details as Credit Union may require on an annual basis and\nmore frequently at Credit Union\xe2\x80\x99s request.\nFor the purpose of the following sections only, \xe2\x80\x9cYou\xe2\x80\x9d/\xe2\x80\x9dYour\xe2\x80\x9d\nmeans all persons who have signed the application for VISA\nSignature and used or permitted others to use the card; and\n\xe2\x80\x9cUs\xe2\x80\x9d/\xe2\x80\x9dWe\xe2\x80\x9d means Tinker Federal Credit Union of PO Box 45750,\nTinker Air Force Base, Oklahoma 73145.\n\nFOREIGN EXCHANGE RATE AND INTERNATIONAL\nSERVICE ASSESSEMENT (ISA) FEE\nOn all international purchases, credit vouchers, and cash\ndisbursements (which would include credit purchases and cash\nadvances), i.e. all transactions where a merchant country differs\nfrom the country of the card issuer (1) the foreign exchange rate\nwhich will be charged will be a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the\napplicable processing date (which may vary from the rate VISA\nitself receives) or the government mandated rate in effect for the\napplicable central processing date and (2) in addition, a one percent\n(1%) International Service Assessment (ISA) fee will be charged.\n\nCASH BACK REWARDS PROGRAM (\xe2\x80\x9cProgram\xe2\x80\x9d) TERMS\nAND CONDITIONS\nCash back rewards cannot be earned until a Signature Rewards\nCard has been received from Tinker Federal Credit Union\n(\xe2\x80\x9cTFCU\xe2\x80\x9d) and activated by you and used for purchases. Only\nSignature Rewards Card accounts will qualify to accumulate cash\nback rewards. Any benefit from other Signature Rewards Card\naccounts cannot be transferred or combined. Cash accrual is not\ntransferable to other programs. Signature Rewards Card is not\nassociated with any other credit card or rewards offered by TFCU.\nIf you have any CURewards points available on any other account\nwith TFCU, you should use those CURewards points before you\nclose that account and open this account or you will lose those\npoints.\n\nILLEGAL TRANSACTIONS\nA credit card may not be used for an illegal transaction. Certain\ntransactions are prohibited from being processed through your\naccount with the Credit Union under the Unlawful Internet\nGambling Enforcement Act of 2006 (\xe2\x80\x9cthe Act\xe2\x80\x9d) and related\nregulations issued by the Board of Governors of the Federal\nReserve System and the United States Department of the Treasury\n(\xe2\x80\x9cRegulation GG\xe2\x80\x9d). The Credit Union is required by the Act and\nRegulation GG to inform you of this restriction.\n\nCash back rewards will be provided in the form of a statement\ncredit. Cardholders will need to enroll in the Cash Back Mall\nin order to receive their statement credit. Cardholders will\nneed to enroll their share account in Home Branch, then enroll\ntheir credit card for online account access, and Cash Back Mall.\nAlternatively, cardholders may call 1-855-799-8130 and request\nto redeem their points for statement credit. .\n\nThe transactions which are prohibited are the following transactions\nor transmittals involving any credit, funds, instrument, or proceeds\nthat the Act prohibits any person engaged in the business of betting\nor wagering (except for the activities of a financial transaction\nprovider,\nor\nany\ninteractive\ncomputer\nservice\nor\ntelecommunications service) from knowingly accepting, in\n\nYou earn cash back rewards for eligible retail purchases less\nany credits, returns and adjustments made by you or the\nmerchant to those purchases.\nYou earn 1.5% cash rewards for every $1 for all eligible\npurchases.\n4\n\n\x0cEligible purchases do not include cash advances, balance\ntransfers, convenience checks, fees, finance charges, cash\ntransactions, and disputed or unauthorized purchases or\nfraudulent transactions. You also should be aware that you are\ncharged a balance transfer fee of 2.50% in addition to interest\non all balance transfers (except those that occur within the first\n60 days of account opening), a cash advance fee of 2.00% in\naddition to interest on all cash advances, and we will begin to\ncharge interest on both cash advances and balance transfers on\nthe transaction date.\n\nexpanding networks of automated teller machines (ATMs) in this\narea, across the country, and overseas. Because each ATM is\nslightly different, simply insert your card in the slot and follow the\ndirections that will appear on the screen. Some important directions\nwill come with the identification number, and we ask that you\nfollow those instructions carefully to protect your card from\nunauthorized use.\n\nThe cash back rewards will show cumulatively on your monthly\nbilling statement as \xe2\x80\x9cRebate Rewards Activity\xe2\x80\x9d. Accrual for cash\nback rewards will begin on the first day of the billing cycle that\nincludes the date you open a Signature Reward Card account and\nbegin making eligible retail purchases. No retroactive cash back\nrewards accrual will be awarded.\n\nAUTOMATIC UPDATE SERVICE\nAs part of the services provided by VISA, VISA now requires card\nissuers to participate in the VISA Automatic Updater (\xe2\x80\x9cVAU\xe2\x80\x9d)\nservices. VISA will monitor changes to your account information\nand automatically update your account information, if changes to\nyour account are detected by VISA. The auto-updated information\nmay include a change in your name, card account number, and other\nimportant and relevant information impacting your card account\nand potential activity; this will allow you to continue to use your\ncard without interruption. If you do not want your information to be\nautomatically updated by VISA, then please contact us to discuss\noptions.\n\nCash accrual earned will only be credited in accounts that are open,\nin good standing, not over limit, and not past due (i.e., you have\nmade at least the minimum payment by your billing due date). If\nwe close your card account, you will no longer be able to earn your\ncash back rewards, and you will forfeit any accumulated cash back\nrewards. If you close or convert your card account, you will no\nlonger be able to earn cash back rewards, and any eligible cash back\nrewards prior to account closure will be forfeited.\nYour qualified cash back rewards also will be forfeited if you have\nclosed your membership share/savings at TFCU.\nIf your card appears to be involved in any fraudulent, abusive or\nsuspicious activity, we may close or suspend your card account\nimmediately without giving you prior notice and you will also\nforfeit your accrued eligible cash back rewards.\nEach month you will have to pay the entire most current billing\nstatement balance in full, excluding the 0% promotional\nbalances, in order to meet the grace period on purchases.\nOtherwise, interest will be charged on purchases as well as\nbalance transfers and cash advances.\nThe cash back rewards have no cash value. You may not assign,\ntransfer or pledge your cash back rewards. You have no property\nrights or other legal interest in the cash back rewards.\nThe laws of the State of Oklahoma govern the Program and these\nTerms and Conditions. This Program is void where prohibited by\nfederal, state or local law.\nWe reserve the right to change or terminate this Program upon\nnotice to you. If you default under your card agreement you may\nlose all cash back rewards accumulated.\nDetermination and payment of any tax liability on cash back\nrewards are the responsibility of the Cardholder.\nAll cash back rewards points expire at the end of the 4th year\nafter which they were earned. For example, points earned in\nApril 2017 will expire on your billing date in December 2020.\n\nYOUR PERSONAL IDENTIFICATION NUMBER\nWithin the next few days, you will be receiving a Personal\nIdentification Number (PIN). This personal identification number\nis being assigned to your account to allow you access to ever-\n\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\nSTATEMENT\nIf you think there is an error on your statement, write to us at Tinker\nFederal Credit Union, P.O. Box 45750, Tinker AFB, Oklahoma\n73145, Attn: Credit Card Department.\nIn your letter give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 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\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE\nRECEIVE 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\nhave already 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 error:\n5\n\n\x0c\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\nThe charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 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\xef\x82\xb7 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 you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR\nCREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase 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 access 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\nthe purchase, contact us in writing at:\nTinker Federal Credit Union\nP.O. Box 45750\nTinker AFB, OK 73145\nAttn: Credit Card Department\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe any amount\nand you do not pay, we may report you as delinquent.\n\n6\n\n\x0cIMPORTANT NOTICE TO TFCU\nVISA PLATINUM ACCOUNT HOLDERS\nFees\nSet\xe2\x80\x90up and Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfers\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturn Check Fee\nOther Fees\nStatement Copy\nTicket Copy\nTravel & Entertainment\nOriginal Sales Slip\nPhotocopy of Sales Slip\nCard Replacement\nOther Terms\n\nVISA Classic\nOption B\n\nVISA Signature Cash\xe2\x80\x90Back\n\nPrime Rate = PR\n\nnone\n\nnone\n\nnone\nnone\n1.00% / in US dollars\n\n2.50%\n2.00%\n1.00% / in US dollars\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n$2.00\n\n$2.00\n\n$25.00\n$6.00\n$5.00\n$13.00\nCURewards available\n\n$25.00\n$6.00\n$5.00\n$13.00\nAvailable for Cash Back\n\nIf you currently have a credit card issued by TFCU and you decide to apply to instead\nuse the new VISA Signature Cash-Back credit card to be issued by TFCU, there are a\nnumber of important disclosures of terms for you to consider first before you apply.\nYou will not be charged the 2.50% balance transfer fee for transfers from your current\nTFCU-issued credit card, but you will NOT receive the promotional rate of 0% APR\nfor 6 months. Instead, you will be required to continue to pay Prime Rate plus the\npercentage rates set based on your credit score at the time you opened the account on\nany amounts you transfer to this card. You will also be paying an interest rate which\nwill be the HIGHER RATES on the chart for your specific type of card on all new\npurchases, balance transfers, and cash advances if you do not pay off the entire\noutstanding balance each month before the 25-day grace period to make your payment\nexpire each month. You also will pay a new 2.50% balance transfer fee on all\nbalance transfers from other lenders. You will be paying a new 2.00% fee on all cash\nadvances. On your current account you do not have any fee on balance transfers or\ncash advances, although both do immediately begin to accrue interest, just as they will\non this new account, but at the lower rates instead of the higher interest rate you will\npay on the new account. You will lose any CURewards points you may have if you\nclose your current account before the points are used. Lower credit limits may be set\non the new account and you will not be permitted to transfer balances if you choose\nto keep your current card and also apply for the new account, and your credit score\nmay be affected.\n\nM-123238\nVisa Platinum\n\nM-120639\nVISA Signature Cash-Back\n\nIn March 2020 Prime Rate\nDecreased from 4.25% to 3.25%\nVariable Rates tied to Prime Rate\nPurchases\nRate 1 (740+)\nRate 2 (700-739)\nRate 3 (660-699)\n\nPR + 5.5%\nPR + 6.5%\nPR + 7.5%\n\nPR + 7.5%\nPR + 8.5%\nPR + 9.5%\n\nRate 4 (625-659)\n\nPR + 9.5%\n\nPR + 10.5%\n\nPR + 11.5%\n\nPR + 11.5%\n\nPR + 5.5%\nPR + 6.5%\nPR + 7.5%\nPR + 9.5%\n\nPR + 9.5%\nPR + 10.5%\nPR + 11.5%\nPR + 12.5%\n\nRate 5 (624-)\nBalance Transfers/Cash Advance\nRate 1 (740+)\nRate 2 (700-739)\nRate 3 (660-699)\nRate 4 (625-659)\n\nPR + 11.5%\n\nPR + 13.5%\n\nRates (Account Opening)\nAPR for Purchases\nRate 1 (740+)\nRate 2 (700-739)\nRate 3 (660-699)\n\nRate 5 (624-)\n\n3.99% 6mo\n8.75%\n9.75%\n10.75%\n\n0.00% 6mo\n10.75%\n11.75%\n12.75%\n\nRate 4 (625-659)\n\n12.75%\n\n13.75%\n\nRate 5 (624-)\n\n14.75%\n\nRate 1 (740+)\nRate 2 (700-739)\nRate 3 (660-699)\n\n8.75%\n9.75%\n10.75%\n\n14.75%\n0.00% 6mo if transferred in 1st\n60 days\nfee + 12.75%\nfee + 13.75%\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.75%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.75%\n\nAPR for Balance Transfers\n\nRate 1 (740+)\nRate 2 (700-739)\nRate 3 (660-699)\n\n8.75%\n9.75%\n10.75%\n\nfee + 16.75%\nimmediately when account\nopens\nfee + 12.75%\nfee + 13.75%\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.75%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.75%\n\nfee + 16.75%\n\nAPR for Cash Advances\n\nPenalty APR and when it applies\n\n25 days\n\n7\n\n25 days\n\n\x0cIMPORTANT NOTICE TO TFCU\nVISA CLASSIC OPTION A\nACCOUNT HOLDERS\nFees\nSet\xe2\x80\x90up and Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfers\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturn Check Fee\nOther Fees\nStatement Copy\nTicket Copy\nTravel & Entertainment\nOriginal Sales Slip\nPhotocopy of Sales Slip\nCard Replacement\nOther Terms\n\nVISA Classic\nOption B\n\nVISA Signature Cash\xe2\x80\x90Back\nnone\n\nnone\n\nnone\nnone\n1.00% / in US dollars\n\n2.50%\n2.00%\n1.00% / in US dollars\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n$2.00\n\n$2.00\n\n$25.00\n$6.00\n$5.00\n$13.00\nCURewards available\n\n$25.00\n$6.00\n$5.00\n$13.00\nAvailable for Cash Back\n\nIf you currently have a credit card issued by TFCU and you decide to apply to\ninstead use the new VISA Signature Cash-Back credit card to be issued by TFCU,\nthere are a number of important disclosures of terms for you to consider first\nbefore you apply. You will not be charged the 2.50% balance transfer fee for\ntransfers from your current TFCU-issued credit card, but you will NOT receive\nthe promotional rate of 0% APR for 6 months. Instead, you will be required to\ncontinue to pay Prime Rate plus the percentage rates set based on your credit\nscore at the time you opened the account on any amounts you transfer to this card.\nYou will also be paying an interest rate which will be the HIGHER RATES on\nthe chart for your specific type of card on all new purchases, balance transfers,\nand cash advances if you do not pay off the entire outstanding balance each\nmonth before the 25-day grace period to make your payment expire each month.\nYou also will pay a new 2.50% balance transfer fee on all balance transfers\nfrom other lenders. You will be paying a new 2.00% fee on all cash advances.\nOn your current account you do not have any fee on balance transfers or cash\nadvances, although both do immediately begin to accrue interest, just as they will\non this new account, but at the lower rates instead of the higher interest rate you\nwill pay on the new account. You will lose any CURewards points you may\nhave if you close your current account before the points are used. Lower credit\nlimits may be set on the new account and you will not be permitted to transfer\nbalances if you choose to keep your current card and also apply for the new\naccount, and your credit score may be affected.\n\nPrime Rate = PR\n\nM-121806\n\nM-120639\n\nIn March 2020 Prime Rate\n\nVISA Classic\n\nVISA Signature Cash-Back\n\nDecreased from 4.25% to 3.25%\n\nOption A\n\nVariable Rates tied to Prime Rate\nPurchases\nRate 1 (740+)\n\nPR + 4.9%\n\nPR + 7.5%\n\nRate 2 (700-739)\n\nPR + 5.9%\n\nPR + 8.5%\n\nRate 3 (660-699)\n\nPR + 6.9%\n\nPR + 9.5%\n\nRate 4 (625-659)\n\nPR + 8.9%\n\nPR + 10.5%\n\nPR + 10.9%\n\nPR + 11.5%\n\nRate 1 (740+)\n\nPR + 4.9%\n\nPR + 9.5%\n\nRate 2 (700-739)\n\nPR + 5.9%\n\nPR + 10.5%\n\nRate 3 (660-699)\n\nPR + 6.9%\n\nPR + 11.5%\n\nRate 4 (625-659)\n\nPR + 8.9%\n\nPR + 12.5%\n\nPR + 10.9%\n\nPR + 13.5%\n\nAPR for Purchases\n\n3.99% 6mo\n\n0.00% 6mo\n\nRate 1 (740+)\n\n8.15%\n\n10.75%\n\nRate 2 (700-739)\n\n9.15%\n\n11.75%\n\nRate 3 (660-699)\n\n10.15%\n\n12.75%\n\nRate 4 (625-659)\n\n12.15%\n\n13.75%\n\nRate 5 (624-)\n\n14.15%\n\n14.75%\n\nRate 5 (624-)\nBalance Transfers/Cash Advance\n\nRate 5 (624-)\nRates (Account Opening)\n\nAPR for Balance Transfers\n\n0.00% 6mo transferred in 1st 60 days\n\nRate 1 (740+)\n\n8.15%\n\nfee + 12.75%\n\nRate 2 (700-739)\n\n9.15%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.15%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.15%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.15%\n\nAPR for Cash Advances\n\nfee + 16.75%\nimmediately when account opens\n\nRate 1 (740+)\n\n8.15%\n\nfee + 12.75%\n\nRate 2 (700-739)\n\n9.15%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.15%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.15%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.15%\n\nfee + 16.75%\n\n25 days\n\n25 days\n\nPenalty APR and when it applies\n\n8\n\n\x0cIMPORTANT NOTICE TO TFCU\nVISA CLASSIC OPTION B\nACCOUNT HOLDERS\n\nPrime Rate = PR\n\nM-121806\n\nM-120639\n\nIn March 2020 Prime Rate\n\nVISA Classic\n\nVISA Signature Cash-Back\n\nDecreased from 4.25% to 3.25%\n\nOption B\n\nVariable Rates tied to Prime Rate\n\nFees\nSet\xe2\x80\x90up and Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfers\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturn Check Fee\nOther Fees\nStatement Copy\nTicket Copy\nTravel & Entertainment\nOriginal Sales Slip\nPhotocopy of Sales Slip\nCard Replacement\nOther Terms\n\nVISA Classic\nOption B\n\nVISA Signature Cash\xe2\x80\x90Back\nnone\n\nnone\n\nnone\nnone\n1.00% / in US dollars\n\n2.50%\n2.00%\n1.00% / in US dollars\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n$2.00\n\n$2.00\n\nPurchases\nRate 1 (740+)\n\nPR + 5.5%\n\nPR + 7.5%\n\nRate 2 (700-739)\n\nPR + 6.5%\n\nPR + 8.5%\n\nRate 3 (660-699)\n\nPR + 7.5%\n\nPR + 9.5%\n\nRate 4 (625-659)\n\nPR + 9.5%\n\nPR + 10.5%\n\nPR + 11.5%)\n\nPR + 11.5%\n\nRate 1 (740+)\n\nPR + 5.5%\n\nPR + 9.5%\n\nRate 2 (700-739)\n\nPR + 6.5%\n\nPR + 10.5%\n\nRate 3 (660-699)\n\nPR + 7.5%\n\nPR + 11.5%\n\nRate 4 (625-659)\n\nPR + 9.5%\n\nPR + 12.5%\n\nPR + 11.5%\n\nPR + 13.5%\n\nAPR for Purchases\n\n3.99% 6mo\n\n0.00% 6mo\n\nRate 1 (740+)\n\n8.75%\n\n10.75%\n\nRate 2 (700-739)\n\n9.75%\n\n11.75%\n\nRate 3 (660-699)\n\n10.75%\n\n12.75%\n\nRate 4 (625-659)\n\n12.75%\n\n13.75%\n\nRate 5 (624-)\n\n14.75%\n\n14.75%\n\nRate 5 (624-)\nBalance Transfers/Cash Advance\n\n$25.00\n$6.00\n$5.00\n$13.00\nCURewards available\n\n$25.00\n$6.00\n$5.00\n$13.00\nAvailable for Cash Back\n\nIf you currently have a credit card issued by TFCU and you decide to apply to\ninstead use the new VISA Signature Cash-Back credit card to be issued by TFCU,\nthere are a number of important disclosures of terms for you to consider first\nbefore you apply. You will not be charged the 2.50% balance transfer fee for\ntransfers from your current TFCU-issued credit card, but you will NOT receive\nthe promotional rate of 0% APR for 6 months. Instead, you will be required to\ncontinue to pay Prime Rate plus the percentage rates set based on your credit\nscore at the time you opened the account on any amounts you transfer to this card.\nYou will also be paying an interest rate which will be the HIGHER RATES on\nthe chart for your specific type of card on all new purchases, balance transfers,\nand cash advances if you do not pay off the entire outstanding balance each\nmonth before the 25-day grace period to make your payment expire each month.\nYou also will pay a new 2.50% balance transfer fee on all balance transfers\nfrom other lenders. You will be paying a new 2.00% fee on all cash advances.\nOn your current account you do not have any fee on balance transfers or cash\nadvances, although both do immediately begin to accrue interest, just as they will\non this new account, but at the lower rates instead of the higher interest rate you\nwill pay on the new account. You will lose any CURewards points you may\nhave if you close your current account before the points are used. Lower credit\nlimits may be set on the new account and you will not be permitted to transfer\nbalances if you choose to keep your current card and also apply for the new\naccount, and your credit score may be affected.\n\nRate 5 (624-)\nRates (Account Opening)\n\nAPR for Balance Transfers\n\n0.00% 6mo transferred in 1st 60 days\n\nRate 1 (740+)\n\n8.75%\n\nfee + 12.75%\n\nRate 2 (700-739)\n\n9.75%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.75%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.75%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.75%\n\nAPR for Cash Advances\n\nfee + 16.75%\nimmediately when account opens\n\nRate 1 (740+)\n\n8.75%\n\nfee + 12.75%\n\nRate 2 (700-739)\n\n9.75%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.75%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.75%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.75%\n\nfee + 16.75%\n\n25 days\n\n25 days\n\nPenalty APR and when it applies\n\n9\n\n\x0cIMPORTANT NOTICE TO TFCU\nPRIME PLUS \xe2\x80\x93 DEPOSIT SECURED\nVISA ACCOUNT HOLDERS\nFees\nSet\xe2\x80\x90up and Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfers\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturn Check Fee\nOther Fees\nStatement Copy\nTicket Copy\nTravel & Entertainment\nOriginal Sales Slip\nPhotocopy of Sales Slip\nCard Replacement\nOther Terms\n\nVISA Classic\nOption B\n\nM-122938\nVISA\n\nM-120639\n\nIn March 2020 Prime Rate\n\nPrime Plus \xe2\x80\x93\nDeposited Secured\n\nVISA Signature Cash-Back\n\nDecreased from 4.25% to 3.25%\nVISA Signature Cash\xe2\x80\x90Back\n\nnone\n\nnone\n\nnone\nnone\n1.00% / in US dollars\n\n2.50%\n2.00%\n1.00% / in US dollars\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n$2.00\n\n$2.00\n\n$25.00\n$6.00\n$5.00\n$13.00\nCURewards available\n\nPrime Rate = PR\n\n$25.00\n$6.00\n$5.00\n$13.00\nAvailable for Cash Back\n\nIf you currently have a credit card issued by TFCU and you decide to apply to\ninstead use the new VISA Signature Cash-Back credit card to be issued by TFCU,\nthere are a number of important disclosures of terms for you to consider first\nbefore you apply. You will not be charged the 2.50% balance transfer fee for\ntransfers from your current TFCU-issued credit card, but you will NOT receive\nthe promotional rate of 0% APR for 6 months. Instead, you will be required to\ncontinue to pay Prime Rate plus the percentage rates set based on your credit\nscore at the time you opened the account on any amounts you transfer to this card.\nYou will also be paying an interest rate which will be the HIGHER RATES on\nthe chart for your specific type of card on all new purchases, balance transfers,\nand cash advances if you do not pay off the entire outstanding balance each\nmonth before the 25-day grace period to make your payment expire each month.\nYou also will pay a new 2.50% balance transfer fee on all balance transfers\nfrom other lenders. You will be paying a new 2.00% fee on all cash advances.\nOn your current account you do not have any fee on balance transfers or cash\nadvances, although both do immediately begin to accrue interest, just as they will\non this new account, but at the lower rates instead of the higher interest rate you\nwill pay on the new account. You will lose any CURewards points you may\nhave if you close your current account before the points are used. Lower credit\nlimits may be set on the new account and you will not be permitted to transfer\nbalances if you choose to keep your current card and also apply for the new\naccount, and your credit score may be affected.\n\nVariable Rates tied to Prime Rate\nPurchases\n\nPR + 3.9%\n\nRate 1 (740+)\n\nPR + 7.5%\n\nRate 2 (700-739)\n\nPR + 8.5%\n\nRate 3 (660-699)\n\nPR + 9.5%\n\nRate 4 (625-659)\n\nPR + 10.5%\n\nRate 5 (624-)\n\nPR + 11.5%\n\nBalance Transfers/Cash Advance\n\nPR + 3.9%\n\nRate 1 (740+)\n\nPR + 9.5%\n\nRate 2 (700-739)\n\nPR + 10.5%\n\nRate 3 (660-699)\n\nPR + 11.5%\n\nRate 4 (625-659)\n\nPR + 12.5%\n\nRate 5 (624-)\n\nPR + 13.5%\n\nRates (Account Opening)\nAPR for Purchases\n\n3.99% 6mo then\n7.15%\n\n0.00% 6mo\n\nRate 1 (740+)\n\n10.75%\n\nRate 2 ( 700-739)\n\n11.75%\n\nRate 3 (660-699)\n\n12.75%\n\nRate 4 (625-659)\n\n13.75%\n\nRate 5 (624-)\nAPR for Balance Transfers\n\n7.15%\n\nRate 1 (740+)\n\n14.75%\n0.00% 6mo transferred in 1st 60\ndays\nfee + 12.75%\n\nRate 2 (700-739)\n\nfee + 13.75%\n\nRate 3 (660-699)\n\nfee + 14.75%\n\nRate 4 (625-659)\n\nfee + 15.75%\n\nRate 5 (624-)\n\nfee + 16.75%\n\nAPR for Cash Advances\n\n7.15%\n\nimmediately when account opens\n\nRate 1 (740+)\n\nfee + 12.75%\n\nRate 2 (700-739)\n\nfee + 13.75%\n\nRate 3 (660-699)\n\nfee + 14.75%\n\nRate 4 (625-659)\n\nfee + 15.75%\n\nRate 5 (624-)\n\nfee +16.75%\n\nPenalty APR and when it applies\n\n25 days\n\n10\n\n25 days\n\n\x0cPrime Rate = PR\n\nIMPORTANT NOTICE TO TFCU\nVISA GOLD ACCOUNT HOLDERS\nFees\nSet\xe2\x80\x90up and Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfers\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturn Check Fee\nOther Fees\nStatement Copy\nTicket Copy\nTravel & Entertainment\nOriginal Sales Slip\nPhotocopy of Sales Slip\nCard Replacement\nOther Terms\n\nM-121773\nVisa Gold\n\nM-120639\n\nIn March 2020 Prime Rate\n\nVISA Signature Cash-Back\n\nDecreased from 4.25% to 3.25%\n\nVISA Classic\nOption B\n\nVISA Signature Cash\xe2\x80\x90Back\n\nVariable Rates tied to Prime Rate\nPurchases\n\nnone\n\nnone\n\nnone\nnone\n1.00% / in US dollars\n\n2.50%\n2.00%\n1.00% / in US dollars\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\n\xe2\x89\xa4$22.00\n\xe2\x89\xa4$20.00\n\nRate 1 (740+)\n\nPR + 5.25%\n\nPR + 9..5%\n\n$2.00\n\n$2.00\n\nRate 2 (700-739)\n\nPR + 6.25%\n\nPR + 10.5%\n\n$25.00\n$6.00\n$5.00\n$13.00\nCURewards available\n\n$25.00\n$6.00\n$5.00\n$13.00\nAvailable for Cash Back\n\nRate 3 (660-699)\n\nPR + 7.25%\n\nPR + 11.5%\n\nRate 4 (625-659)\n\nPR + 9.25%\n\nPR + 12.5%\n\nPR + 11.25%\n\nPR + 13.5%\n\nAPR for Purchases\n\n3.99% 6mo\n\n0.00% 6mo\n\nRate 1 (740+)\n\n8.50%\n\n10.75%\n\nRate 2 (700-739)\n\n9.50%\n\n11.75%\n\nRate 3 (660-699)\n\n10.50%\n\n12.75%\n\nRate 4 (625-659)\n\n12.50%\n\n13.75%\n\nRate 5 (624-)\n\n14.50%\n\n14.75%\n\nIf you currently have a credit card issued by TFCU and you decide to apply to\ninstead use the new VISA Signature Cash-Back credit card to be issued by TFCU,\nthere are a number of important disclosures of terms for you to consider first\nbefore you apply. You will not be charged the 2.50% balance transfer fee for\ntransfers from your current TFCU-issued credit card, but you will NOT receive\nthe promotional rate of 0% APR for 6 months. Instead, you will be required to\ncontinue to pay Prime Rate plus the percentage rates set based on your credit\nscore at the time you opened the account on any amounts you transfer to this card.\nYou will also be paying an interest rate which will be the HIGHER RATES on\nthe chart for your specific type of card on all new purchases, balance transfers,\nand cash advances if you do not pay off the entire outstanding balance each\nmonth before the 25-day grace period to make your payment expire each month.\nYou also will pay a new 2.50% balance transfer fee on all balance transfers\nfrom other lenders. You will be paying a new 2.00% fee on all cash advances.\nOn your current account you do not have any fee on balance transfers or cash\nadvances, although both do immediately begin to accrue interest, just as they will\non this new account, but at the lower rates instead of the higher interest rate you\nwill pay on the new account. You will lose any CURewards points you may\nhave if you close your current account before the points are used. Lower credit\nlimits may be set on the new account and you will not be permitted to transfer\nbalances if you choose to keep your current card and also apply for the new\naccount, and your credit score may be affected.\n\nRate 1 (740+)\n\nPR + 5.25%\n\nPR + 7.5%\n\nRate 2 (700-739)\n\nPR + 6.25%\n\nPR + 8.5%\n\nRate 3 (660-699)\n\nPR + 7.25%\n\nPR + 9.5%\n\nRate 4 (625-659)\n\nPR + 9.25%\n\nPR + 10.5%\n\nPR + 11.25%\n\nPR + 11.5%\n\nRate 5 (624-)\nBalance Transfers/Cash Advance\n\nRate 5 (624-)\nRates (Account Opening)\n\nAPR for Balance Transfers\n\n0.00% 6mo transferred in 1st 60 days\n\nRate 1 (740+)\n\n8.50%\n\nfee +12.75%\n\nRate 2 (700-739)\n\n9.50%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.50%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.50%\n\nfee + 15.75%\n\nRate 5 (624-)\n\n14.50%\n\nfee +16.75%\n\nAPR for Cash Advances\n\nimmediately when account opens\n\nRate 1 (740+)\n\n8.50%\n\nfee + 12.75%\n\nRate 2 (700-739)\n\n9.50%\n\nfee + 13.75%\n\nRate 3 (660-699)\n\n10.50%\n\nfee + 14.75%\n\nRate 4 (625-659)\n\n12.50%\n\nfee +15.75%\n\n14.50%\n\nfee +16.75%\n\n25 days\n\n25 days\n\nRate 5 (624-)\nPenalty APR and when it applies\n\n11\n\n\x0c'


b'7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\nTuesday, July 26, 2016 | 3:27 pm\nContact Us\n\nLog in to:\n\nPersonal Cards\n\nPersonal | Business\n\nCardholder Agreement\n\nLearn More & Sign Up\n\nBusiness Cards/Services\n\nAbout Wheatland\n\nCARDHOLDER AGREEMENT\nThe person (Cardholder) whose name appears on the face of the Visa Card (Card) by retaining, using or\npermitting others to use such Card and the account represented by the Card, accepts the same subject to\nthe following terms and agrees with Wheatland Card Solutions (Issuer).\n1. USING YOUR ACCOUNT: You, the Cardholder, authorize Issuer to pay for your Card account, all items\nreflecting purchases and cash advances made or obtained through the use of your Card account upon\npresentment to Issuer, and you promise to pay for all such purchases and cash advances, together with\nall applicable INTEREST and fees, as hereafter set forth. You acknowledge that this account will not be\nused for business purposes.\n2. PAYMENT:\n2.1 Issuer will furnish you with a monthly statement for purchases and cash advances made on your\naccount and you agree to pay Issuer in not less than 25 days from the closing date shown on the\nstatement, either (a) the New Balance, or (b) a minimum payment of 1% of all balances plus billed\ninterest plus all past due amounts plus any overlimit amount plus any new late payment fee\xcd\xbe or $27,\nwhichever is greater.\n2.2 Any credits posted to your account will not affect the minimum monthly payment. Your failure to pay\nthe minimum payment each month by the payment due date will cause your account to be delinquent.\nApplication of payments will be at our discretion. If different APRs apply to different balances, we will\nallocate any amount you pay in excess of the required minimum payment due first to the balance with the\nhighest APR and any remaining portion to the other balances in APR descending order. Each monthly\nstatement will be considered a correct statement unless you establish a billing error under the provisions\nof the Federal Truth in Lending Act.\n2.3 Issuer may accept checks or other types of payment showing \xe2\x80\x9cpayment in full\xe2\x80\x9d or other language\nindicating satisfaction of your debt, without waiving any of Issuer\xe2\x80\x99s rights to receive full payment under\nthis Agreement. You must send this communication to the address in the Billing Rights Summary on your\nstatement. Satisfaction of your debt for less than the full amount due requires a written agreement, signed\nby an authorized Issuer associate.\n2.4 Payments must be made by check, money order or electronically and payable in U.S. dollars. If you\nrequest a payment by phone, a fee will apply and we may ask for security information for your protection.\nSame day payments by phone cannot be edited or cancelled. We are not obligated to accept any\npayment that is not drawn on the U.S. Post Office or a financial institution located in the United States.\n2.5 When you provide a check as payment, you authorize us either to use information from your check to\nmake a one\xc2\xadtime electronic fund transfer from your account or to process the payment as a check\ntransaction. When we use information from your check to make an electronic fund transfer, funds may be\nwithdrawn from your account as soon as the same day we receive your payment. The statements are\nproof of payment and copies of your checks are available for up to 2 years.\n2.6 Without prior notice to you, we may refuse to accept or may accept in good faith, any check presented\nas a payment on your account which is more than six (6) months old. We may process the payment\nbefore the date shown on the check unless you have given us three (3) business days or more advance\nwritten notice that a postdated check will be presented as payment. You must send the advance notice\ncommunication to the address in the Billing Rights Summary on your statement.\n3. GRACE PERIOD: See the Paying Interest section in the Table of Charges.\n\n4. BALANCE SUBJECT TO INTEREST: We use an average daily balance method (including new\ntransactions) to calculate periodic INTEREST. We do this separately with each of your different balances.\nThese balances include, for example, purchases, balance transfers, cash advances, and different\npromotional balances. We figure the periodic INTEREST by multiplying the daily balance for each of the\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n1/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\npromotional balances. We figure the periodic INTEREST by multiplying the daily balance for each of the\nbalance categories by the daily periodic rate for each of those categories. Each daily periodic rate is\ncalculated by dividing its corresponding APR by 365. We do this for each day in the billing period. To get\na daily balance, we start with the balance as of the end of the previous day. We add any new\ntransactions, fees, other charges, and debit adjustments that apply to that category. We then subtract from\n\nthat balance any payments, credits, or credit adjustments that apply to that balance category and that are\ncredited as of that day. We treat a credit balance as a balance of zero. For each balance category, the\nbalance subject to INTEREST is the average of the daily balances during the billing period. If you multiply\nthis figure for each balance category by its daily periodic rate and by the number of days in the billing\nperiod, the result is the daily periodic INTEREST for each of your different balance categories. We add up\nall the daily periodic INTEREST for the balance categories and the sum of which is the total periodic\nINTEREST for the billing period. Rounding may cause minor variations.\n5. BALANCE TRANSFERS:\n5.1 A 3% fee will apply to the amount of each balance transfer. Balance transfer transactions are\npurchase transactions, but do not receive a grace period. INTEREST accrues from the date of posting. To\navoid INTEREST on new purchases after you transfer a balance, you must pay all balances on your\naccount, including the balances you transfer, in full by the first payment due date after the transfer.\nOtherwise, you will incur INTEREST on new purchases due to the loss of the grace period, unless your\npurchase APR is 0%. Balance transfers do not earn reward program points. See the Table of Charges for\nthe fee amount.\n5.2 The total amount(s) paid and transferred, including any related fees, cannot exceed your credit line,\nor $15,000. You cannot transfer: any existing balances on any Issuer accounts\xcd\xbe any business debt\xcd\xbe any\ndebt that is not owed by you\xcd\xbe or any balances owed to creditors outside the United States. Issuer reserves\nthe right to refuse any balance transfer request for any reason, including for revolving debt that Issuer\nbelieves excessive.\n6. CASH ADVANCE TRANSACTIONS: A cash advance fee will be charged to your account for each\ncash advance transaction. Cash advance transactions are non\xc2\xadpurchase transactions which include, but\nare not limited to, ATM transactions, teller transactions, convenience checks, quasi cash advance\ntransactions, and overdraft cash advance transactions. Quasi cash advance transactions are cash\nadvance transactions which include, but are not limited to, wire transfers, foreign currency, traveler\xe2\x80\x99s\nchecks, money orders, wagering, and remote stored value. See the Table of Charges for each fee\namount.\n7. MINIMUM INTEREST: If your Card is charged INTEREST, the charge will be no less than $1.50. This\namount will appear as a fee on your statement.\n8. ANNUAL FEE: None.\n9. LATE PAYMENT FEE: A late payment fee will be debited to your account as a purchase if your\npayment is not received by the payment due date. For your first instance of a late payment, the fee will not\nexceed $27. If the second instance occurs within six (6) months of the first instance, the fee will not\nexceed $37. At no time will the late payment fee exceed the amount of the required minimum monthly\npayment described in 2.1. These fees are listed in the Table of Charges.\n10. LIABILITY FOR UNAUTHORIZED USE OF YOUR CARD AND LOSS OF CARD: You may be liable\nfor the unauthorized use of your Card if, based on substantial evidence, you were grossly negligent in the\nhandling of the account or Card. Please immediately notify Issuer in writing at P.O. Box 2235, Wichita, KS\n67201, or orally by calling 888\xc2\xad521\xc2\xad8529, of loss, theft or possible unauthorized use of your Card or\nconvenience checks.\n11. LIABILITY AND AUTHORIZED USERS: If more than one Card is issued on the account, all\nCardholders holding Cards with the same account number shall be jointly and severally liable on the\naccount. You may allow authorized users on your account in the following ways: (1) by notifying us that\nyou want someone added to your account as authorized user\xcd\xbe (2) by lending your Card or account\nnumber to another\xcd\xbe or (3) by any other way in which you would be legally considered to have allowed\nanother to use your account or to be legally prevented from denying that you did so. Carefully consider\nallowing anyone to become an authorized user because you authorize the person to use your account to\nthe same extent that you can, including but not limited to, making purchases, cash advances, balance\ntransfers and allowing others to use your account. Your account does not permit you to limit the nature or\namount of authority you give to any authorized user and you will not attempt to do so. An authorized\nuser\xe2\x80\x99s authority will continue until you both notify Issuer that you are terminating that authority and you\nphysically retrieve the Card. If you cannot retrieve the Card, you will remain liable for any transactions\nthat we cannot prevent after you notify us.\n12. LEGAL TRANSACTIONS:\n12.1 You will only use your Card for transactions that are legal where you reside. Display of a Visa logo\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n2/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\n12.1 You will only use your Card for transactions that are legal where you reside. Display of a Visa logo\nby an online merchant does not mean that an Internet transaction is legal where you live. Issuer will not\nbe liable if you engage in an illegal transaction.\n\n12.2 Issuer complies with the Unlawful Internet Gambling Enforcement Act of 2006. This Act requires us\nto establish policies and procedures to identify and block, or otherwise prevent or prohibit, unlawful\nInternet gambling transactions. For example, Internet gambling transactions may be illegal in your state.\n13. AUTHORIZATIONS: Some transactions require our prior authorization. Issuer may limit the number of\nauthorizations we give in a day. Issuer may deny authorization if you are delinquent, if Issuer suspects\nfraudulent activity or for other reasons. You are liable for any transaction Issuer authorizes, even if Issuer\nshould not have authorized it, because you are or would be delinquent as a result of the transaction.\n14. ESTABLISHED CREDIT LIMIT: You agree to keep the total balance on your account within the credit\nlimit established by Issuer, which has been previously disclosed to you. Issuer may change your credit\nlimit at any time. Issuer may, but is not required to, approve transactions that exceed your available credit\nlimit. If your account balance exceeds your credit limit and you fail to pay the entire minimum monthly\npayment shown on your next monthly statement, which will include all sums necessary to reduce your\nbalance to your credit limit as required in the Payment section of this Agreement, your account will be\nreported as delinquent and past due on your next monthly statement. At Issuer\xe2\x80\x99s discretion, you will not\nbe permitted to access the amount of credit in your account equal to the amount of any payment you send\nto the Issuer for a period of 15 days from the date your payment was posted to your account.\n15. IMMEDIATE REPAYMENT/TERMINATION OF ACCOUNT: Issuer may declare the entire amount of\nyour account immediately due and payable, subject to provisions of law, upon the occurrence of one of\nthe following events: (1) your account is delinquent or past due, (2) your account balance exceeds the\nestablished credit limit, (3) upon your death, bankruptcy or insolvency, (4) the prospect of payment or\nperformance is significantly impaired. Issuer may, at its sole discretion, reduce your credit limit, decline to\nmake further advances on your account, decline to reissue any Card or convenience checks on your\naccount, revoke or close your account. If you do not use your Card at least once in 12 months, Issuer\nmay, as permitted by applicable law, close your account. If your account is closed, you remain\nresponsible for paying any amounts owed on the account according to the terms of this Agreement. If you\nmove outside of the United States after your account is opened, your Card may not be reissued at its next\nexpiration date.\n16. AMENDMENTS: This Agreement may be amended by Issuer at any time\xcd\xbe this may include a change\nto the APR and/or fees.\n17. ACCEPTANCE OF CARD OR CONVENIENCE CHECKS: Issuer is not responsible for the failure of\nany merchant or financial institution to accept or honor your Card or convenience checks. A convenience\ncheck may be returned unpaid if there is not enough available credit on your account to pay it, if your\nCard or convenience checks have been reported lost or stolen, if the convenience check is post\xc2\xaddated\n(shows a future date) or a credit review indicates a potential problem with your account. If you make a\npurchase on your account, and the merchant discloses a policy such as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno\nreturn or credit without receipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only,\xe2\x80\x9d \xe2\x80\x9call sales final,\xe2\x80\x9d or similar statements, you will\nbe bound by that policy.\n18. OTHER FEES:\n18.1 Unless a billing error has been disclosed in your monthly statement, your account may be debited\nas a purchase for each copy requested by you of a sale, refund or cash advance slip, or monthly\nstatement. See the Table of Charges for the fee amounts.\n18.2 A return payment fee will be debited to your account as a purchase for each payment you make on\nyour account that is returned to us for any reason. For your first instance of a return check, the fee will not\nexceed $27. If the second instance occurs within six (6) months of the first instance, the fee will not\nexceed $38.\n19. FOREIGN TRANSACTION FEE:\n19.1 A foreign transaction fee will be assessed on all transactions where the merchant country differs\nfrom the country of the card Issuer.\n19.2 A foreign transaction fee will also be assessed if you make a transaction in a currency other than\nU.S. dollars. In that case, Visa will convert the charge or credit in to a U.S. dollar amount. The exchange\nrate on the processing date may differ from the rate on the date of your transaction. Visa uses an\nexchange rate of either: (1) a rate selected by Visa or from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, this rate may vary from the rate Visa itself\nreceives, or (2) the government\xc2\xadmandated rate in effect for the applicable central processing date. In\neach instance, the exchange rate is increased by an adjustment factor determined by the Issuer.\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n3/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n19.3 The foreign transaction fee, is subject to change without notice and is currently 3% of the U.S. dollar\namount of the transaction, of which Issuer receives 2% and Visa receives 1%.\n20. UPDATED FINANCIAL INFORMATION: Issuer may request from consumer reporting agencies from\ntime to time new consumer credit reports on you or request new financial information directly from you for\nthe purpose of updating Issuer\xe2\x80\x99s records. Issuer may rely on the contents of such reports or other\nempirically derived financial information to close your account and reduce the credit line on your account.\n21. NOT SECURED CREDIT: Your account is not secured credit. Issuer retains no security regardless of\nany other agreement you may have with Issuer.\n22. COLLECTION COSTS AND ATTORNEY FEE: In the event Issuer must incur collection costs or\nattorney fees in connection with your account, as permitted by applicable law, you agree to pay the\nreasonable costs of collection, including, but not limited to, court costs, attorney fees and collection\nagency fees in an amount not to exceed 15% of the unpaid balance on your account.\n23. SIGNING YOUR CARD: Your Card must be signed by the person whose name is embossed on it in\norder to be valid.\n24. MOBILE DEVICES: Smart phones, tablets, or other mobile devices may download, store, and/or\naccess account information, for instance through a mobile wallet, that may enable you to use the mobile\ndevice to purchase goods or services, make a balance transfer or cash advance. In certain instances,\nthose transactions will replicate using your Card to make a transaction on the internet with your computer.\nIn other instances, the phone or mobile device will act as if it were the Card itself. Applications that enable\nyour mobile device will have unique terms governing them. Read these terms carefully. Transactions\nmade through these applications are governed by this Agreement.\n25. TELEPHONE CONTACT AND MONITORING: Issuer or its agents may contact you at any telephone\nnumber you provide Issuer, including a cell number, or another number that you later convert to a cell\nnumber. You agree to receive calls, text messages and voice messages, including pre\xc2\xadrecorded\nmessages, at that number, including the use of automatic dialing technology for informational and\nAccount service calls. Message and data rate may apply. You may contact us any time to change your\nphone preferences. Issuer may listen to and record telephone calls between you and us for the purpose\nof monitoring and improving the quality of service you receive.\n26. ACCOUNT NOTIFICATION: Issuer may contact you from time to time regarding your Card and\naccount. Account materials (Cards, statements and other notices) will be sent to the liable party at the\nbilling address. That person will be responsible for delivering those materials to the other liable parties\nand authorized users. Notice to any of you will be considered notice to all of you.\n27. GOVERNING LAW/ASSIGNMENT: This Agreement is governed by the laws of Kansas and the\ninvalidity of any term of this Agreement shall not affect the validity of any other term or condition. You\nagree that we may assign and transfer your account, this Agreement and our rights and obligations\nhereunder to others. The person(s) to whom we assign this Agreement shall be entitled to all of our rights\nunder this Agreement.\n28. BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE: This notice contains important\ninformation about your rights and our responsibilities under the Fair Credit Billing Act.\n28.1 Notify Us In Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you\nneed more information about a transaction on your bill, write us on a separate sheet at the address listed\non your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent\nyou the first bill on which the error or problem appeared. You can telephone us, but doing so will not\npreserve your rights. In your letter, give us the following information:\nYour name and account number.\nThe dollar amount of the suspected error.\nDescribe the error and explain, if you can, why you believe there is an error.\nIf you need more information, 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 account,\nyou can stop the payment on any amount you think is wrong. To stop the payment your letter must reach\nus three business days before the automatic payment is scheduled to occur.\n28.2 Your Rights and Our Responsibilities After We Receive Your Written Notice. We must\nacknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the bill was correct. After we receive your letter, we\ncannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n4/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\nthe amount you question, including INTEREST, and we can apply any unpaid amount against your credit\nlimit. You do not have to pay any questioned amount while we are investigating, but you are still obligated\nto pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will\nnot have to pay any INTEREST related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may\nhave to pay INTEREST, and you will have to make up any missed payments on the questioned amount.\nIn either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to\npay the amount that we think you owe, we may report you as delinquent. However, if our explanation\ndoes not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your bill. And, we must tell you the name of\nanyone we reported you to. We must tell anyone we report you to that the matter has been settled\nbetween us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned\namount, even if your bill was correct.\n28.3 Special Rule for Credit Card Purchases. If you have a problem with the quality of property or\nservices that you purchased with a credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the property or\nservices. There are two limitations on this right: (a) you must have made the purchase in your home state\nor, if not within your home state, within 100 miles of your current mailing address\xcd\xbe and (b) the purchase\nprice must have been more than $50. These limitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or services.\n\nTable of Charges\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n12.24%\n\nAPR for Balance\nTransfers\n\n4.99% introductory APR for 12 billing cycles.\nAfter that, 12.24%.\n\nThis APR may vary with the market based on the Prime Rate*.\n\nThis APR may vary with the market based on the Prime Rate*.\nAPR for Cash Advances\n\n24.99%\n\nPenalty APR and\nWhen it Applies\n\n27.99%\nThis APR may be applied if you make a late payment or your account\ngoes two billing cycles past due.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthe above reason(s), the Penalty APR will apply until you make six (6)\nconsecutive payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nIf you paid in full the New Balance on your previous statement by the\nPayment Due Date, no interest will be applied to new purchases, or any\nportion of a new purchase, paid by the current statement payment due\ndate.\nWe will begin charging interest on cash advances and balance transfers\non the date the transactions post.\n\nMinimum Interest Fee\n\nIf you are charged interest, the charge will be no less than $1.50.\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\ncredit card, visit the website of the Consumer Financial Protection\nBureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\nNone.\n.\n3% of the amount of each transfer ($10 minimum, $250 maximum)\n5/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\nCash Advance\nQuasi Cash Advance\nForeign Transaction\n\n5% of the amount of each advance ($10 minimum)\n5% of the amount of each advance ($20 minimum)\n3% of the U.S. dollar amount of the transaction\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nUp to $37\nUp to $38\n\nOther Fees\nPer copy of monthly\nbilling statement\nPer copy of merchant\nsales receipt\n\n$3\n.\n$5\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases)\xe2\x80\x9d.\nLoss of Introductory APR: We may end the introductory APR and apply the Penalty APR if you make a\nlate payment or your account goes two billing cycles past due.\nBilling Rights: Information on your billing rights to dispute transactions and how to exercise those rights\nis provided in this Agreement.\nThe APR for purchases is variable and is determined by adding percentage points (the "Margin") to the\nPrime Rate (the "Index"). If the Prime Rate increases/decreases, it will cause the APR to\nincrease/decrease accordingly. We review the Prime Rate published in the Money Rates section of the\nWall Street Journal on the last business day of each month (the \xe2\x80\x9cChange Date\xe2\x80\x9d). If a change in the Prime\nRate causes the APR to change, we put the new APR into effect as of the billing period for which we\ncalculate the APR\xcd\xbe then we apply the new APR to any existing variable rate balances. An increase in the\nIndex may result in an increase in the amount of any INTEREST, minimum payment and outstanding\nbalance.\nAs of February 1, 2016, the APR for purchases was 3.50% (Index) + 8.74% (Margin) = 12.24%, which\ncorresponds to a daily periodic rate of 0.0335%.\nThe 4.99% introductory APR, which corresponds to a daily periodic rate of 0.0137%, is good on all\nbalance transfers completed within 45 days of your account opening. Effective on the 13th billing cycle\nafter your account is opened, the APR will be the standard balance transfer APR. Balance transfers\ncompleted after 45 days of your account opening will receive the standard balance transfer APR.\nThe APR for all cash advance transactions is fixed at 24.99%, which corresponds to a daily periodic rate\nof 0.0685%.\nThe APR for Penalty pricing is fixed at 27.99%, which corresponds to a daily periodic rate of 0.0766%.\nWe may change the account rate, fees and other cost information at any time in accordance with\napplicable law.\n\nWheatland Card Solutions appreciates your business.\nFor additional credit or to inquire about your account:\nVisit wheatlandcardsolutions.com for online account access.\nCall 888\xc2\xad521\xc2\xad8529\xcd\xbe press \xe2\x80\x9c0\xe2\x80\x9d to speak to a Customer Service Representative. We are available\nMonday through Friday, 7 a.m. \xc2\xad 8 p.m., or Saturday, 8 a.m. \xe2\x80\x93 6 p.m. CT.\nTo report lost or stolen cards: call 888\xc2\xad521\xc2\xad8529, 24\xc2\xadhours a day.\nWheatland Card Solutions\n105 N. Main\nWichita, Kansas 67202\n\nWCS 02/16\n\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n6/7\n\n\x0c7/26/2016\n\nwww.wheatlandcardsolutions.com/common/disc.aspx?id=64\nSite Map | Privacy Policy | Security Practices | Online Awareness | \xc2\xa9 Wheatland Card Solutions 2016\n\nhttp://www.wheatlandcardsolutions.com/common/disc.aspx?id=64\n\n7/7\n\n\x0c'


b'Account Opening Disclosures\nSupplement to Credit Card Agreement for VISA Platinum Shared Secured Accounts\nEducation Credit Union\nInterest Rates and Interest Charges Actual\npricing will vary from one cardholder to another\n\nAnnual Percentage Rate (APR)\nfor "Purchases\n\n10.95% based on your credit worthiness.\n\nAnnual Percentage Rate (APR)\nfor Balance Transfers\n\n10.95% based on your credit worthiness.\n\nAnnual Percentage Rate\n(APR) for Cash Advances\n\n10.95% based on your credit worthiness.\n\nPenalty APR and When it Applies\n\n17.75%\nThis APR may be applied to all advances for your account if you:\n1)\n\nMake a late payment\n\nHow Long Will the Penalty APR Apply?: If your APR is increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\n\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nFees\nAnnual Fee\nCash Advance\nTransaction Fees\n. Foreign Transaction\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month.\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at http://www.\nconsumerfinance.gov/learnmore\n\nNone\nYou will be charged a Cash Advance Fee, per advance, of 2% of\nthe cash advance amount or $5.00, whichever is greater.\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\n.\n\nLate Payment\n\nUp to $25 (If we do not receive your required Minimum Payment within 10 days of\nthe Payment Due Date, you may be charged a Late Payment Fee of your\nMinimum monthly payment or $25, whichever is less.)\n\n.\n\nReturned Payment\n\n$24 (If any payment made on your Account is returned unpaid for any reason, you\nwill be charged a Returned Payment Fee or the amount equal to your required\nMinimum Payment, whichever is less. The Returned Payment Fee will apply when\nany payment is returned to us, even if the payment is honored upon\nresubmission.)\n\nOther Fees\n\n.\n\nEzPay (telephone\nassisted expedited\npayment service)\n\n$10\n\n.\n\nReplacement Card\n\n$7.50\n\n.\n\nRush Card Fee\n\n$50.00 (You will be charged a rush card fee if we have to rush production and\ndelivery of a new credit card)\n\n.\n\nRetrieval Fee\n\n$2.50 (You will be charged a retrieval fee if we have to retrieve a receipt from a\nmerchant or VISA on your behalf)\n\n.\n\nStatement Reprint Fee\n\n$2.00 (You will be charged a statement reprint fee for any additional statement\ncopies you need printed)\n\nConvenience Check\n\n.\n.\n.\n\nStop Payment\nCopy of Check\nNon-Sufficient Funds\n(insufficient credit\nlimit)\n\n$28 per check\n$20 per check\n$24 per return\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.\nTruth in Lending Disclosures\nCOST OF CREDIT: You will pay an INTEREST CHARGE for all advances made against your Account. INTEREST CHARGES for cash advances and balance\ntransfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE on the date they are posted to your Account if you\nhave paid the Account in full by the Payment Due Date shown on your previous monthly statement, or if there was no previous balance.\nThe daily periodic rate for all advances made on your Account will be .030000% (10.95% ANNUAL PERCENTAGE RATE (the \xe2\x80\x9cStandard Rate\xe2\x80\x9d).\nThe INTEREST CHARGE is determined by applying the applicable daily periodic rate to the Average Daily Balance of your Account for each feature category,\nincluding certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily Balance is arrived at by\ntaking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you have paid your Account in full by\nthe Payment Due Date shown on the previous monthly statement or there is no previous balance, new purchases are not added to the purchases balance.\nBalance transfers may be shown on your statement in the Promotions feature category.\n\n\x0cWhen determining balances, we may combine feature category balances that have the same periodic rate and other INTEREST CHARGE terms. We then\nsubtract any payments or credits and unpaid INTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily balance for the\nfeature category. The daily balances for each feature category are then added together and divided by the number of days in the billing cycle. The result is the\nAverage Daily Balance for each feature category. The periodic INTEREST CHARGE is determined by multiplying each feature category Average Daily Balance\nby the number of days in the billing cycle and applying the applicable daily periodic rate to the product. The total INTEREST CHARGE for each statement period\nis the sum of the periodic INTEREST CHARGES for each feature category.\nlf at any time a required minimum payment is three or more billing cycles past due, the ANNUAL PERCENTAGE RATE for all advances may be increased to a\nPenalty Rate daily periodic rate of .048630% (17.75% ANNUAL PERCENTAGE RATE). After the Penalty Rate becomes effective, it will apply both to current\nand new balances and it may remain in effect indefinitely. lf your minimum payments are made as required for six (6) consecutive months starting on or after the\nfirst payment due following the Penalty Rate effective date the Standard Rales for your Account will be restored.\nNo additional INTEREST CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by\nthe Payment Due Date reflected on the statement. The Payment Due Date is not less than 25 days from the billing cycle closing date shown on your statement.\nMILITARY LENDING ACT DISCLOSURE: The following disclosure applies to persons covered by the Military Lending Act-other governmental programs and\nlaws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required by the Military Lending\nAct.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his or her dependent may not exceed an ANNUAL PERCENTAGE RATE of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than credit application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nMINIMUM PAYMENT: Minimum payment amount is $18.00 or 3.00% of the outstanding balance, whichever is greater.\nThe information about the cost of the card described in this application is accurate as of 4/1/2019\n. The information may have changed after that date. To\nfind out what may have changes, call us at (800)687-8144 or write us at Education Credit Union, 4400 W. Interstate 40, Amarillo, Tx 79106-5940.\n\n\x0c'