b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nMASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Tendto Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this\nAgreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03710779-MXC30-P-1-012518 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases and balance\ntransfers on the first day of the following billing cycle. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if You paid the\nentire new balance on the previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an\nadditional finance charge on the balance of purchases or balance transfers, You must pay the entire new balance on the\nbilling statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n03710779-MXC30-P-1-012518 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 1129 State St., Erie,\nPA, 16501 or call Us at (814) 455-6400 or (800) 651-6582, Monday through Friday 9:00 a.m. to 5:00 p.m. Eastern Time or\n(800) 442-4757, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 5\n03710779-MXC30-P-1-012518 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nPennsylvania.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 4 of 5\n03710779-MXC30-P-1-012518 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n03710779-MXC30-P-1-012518 (MXC303-E)\n\n\x0c'


b'F1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n8.75% to 15.75%\n\nwhen you open your account, based\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nVisa Platinum Rewards/Visa Student\n\n10.10% to 17.10%\n\nwhen you open your account, based\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nVisa Platinum with Cash Rewards\n\n11.35% to 18.35%\n\nwhen you open your account, based\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nVisa Student\n\n10.10% to 17.10%\n\nwhen you open your account, based\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nVisa Secured\n\n14.20%\nF10\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n\n0.00% to 1.99% Introductory APR for a period of 12 billing cycles\nbased on your creditworthiness.\n8.75% to 15.75%\nAfter that your APR will be F13\nF14\nbased on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum Rewards\n\n0.00% to 1.99%\nIntroductory APR for a period of 12 billing cycles\nbased on your creditworthiness.\n10.10% to F18\n17.10% based on your\nAfter that your APR will be F17\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum with Cash Rewards\n\n0.00% to 1.99% Introductory APR for a period of 12 billing cycles\nbased on your creditworthiness.\n11.35% to 18.35%\nAfter that your APR will be F21\nF22\nbased on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDWIRF0 (MXC402 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cVisa Student\n\n10.10% to 17.10% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Secured\n\nAPR for Cash Advances\n\n14.20%\nF25\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n8.75% to 15.75%\nwhen you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum Rewards\n\n10.10% to 17.10% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum with Cash Rewards\n\n11.35% to 18.35% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Student\n\n10.10% to 17.10% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nHow to Avoid Paying Interest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nVisa Secured\n14.20%\nF34\nThis 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.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nIf you are charged interest, the charge will be no less than F35\n$1.00.\nThe minimum interest charge will be charged on any dollar amount.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nDWIRF0 (MXC402 CCM002)-e\n\n\x0cFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Additional Card Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nF36\nNone\nEither $10 or 2% of the amount of each transfer, whichever is greater.\n\n$2.00\nF39\n1.00%\nF40\n0.80%\nNone\nF42\n\nof each multiple currency transaction in U.S. dollars\nof each single currency transaction in U.S. dollars\n\n$25.00\nUp to F43\nNone\nF44\n$25.00\nUp to F45\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (excluding new purchases).\xe2\x80\x9d\nPromotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted\nto your account during the first 60 days following the opening of your account.\nEffective Date.\n2/1/2016\nThe information about the costs of the card described in this application is accurate as of F46\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nRush Fee\nCard Replacement Fee\n\n$25.00\nF47\nor the amount of the required minimum payment, whichever\nis less, if you are one (1) or more days late in making a payment.\n$25.00\nF48\nor the amount of the required minimum payment, whichever\nis less.\n$25.00\nF49\nF50\n$5.00\n\nDWIRF0 (MXC402 CCM002)-e\n\n\x0c'


b'SHARE SECURED MASTERCARD\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the\nCredit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nD42AT3 (MXC502 CCM003)\n\n\x0calso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. All fees are calculated based on the transaction amount after it is\nconverted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nd. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ne. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nD42AT3 (MXC501 CCM003)\n\n\x0cf. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ng. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nh. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ni. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nj. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\nk. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nl. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\nm. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nD42AT3 (MXC501 CCM003)\n\n\x0cperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at Cardholder Services, PO Box 3112, Tampa, FL 33631-3112 or telephone (800) 4497728 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable\nfor the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of\nthe loss, theft, or possible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk\nof loss or theft and, upon discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any\nunauthorized transactions. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nD42AT3 (MXC501 CCM003)\n\n\x0calleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nD42AT3 (MXC501 CCM003)\n\n\x0cYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nD42AT3 (MXC501 CCM003)\n\n\x0c'


b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDTXRS3 (MXC502 CCM003)\n\n\x0calso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nd. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ne. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nDTXRS3 (MXC501 CCM003)\n\n\x0cf. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ng. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nh. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ni. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nj. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\nk. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nl. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\nm. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nDTXRS3 (MXC501 CCM003)\n\n\x0cperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at Cardholder Services, PO Box 3112, Tampa, FL 33631-3112 or telephone (800) 4497728 seven days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for\nthe unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your credit\ncard, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nDTXRS3 (MXC501 CCM003)\n\n\x0cother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nDTXRS3 (MXC501 CCM003)\n\n\x0cIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nDTXRS3 (MXC501 CCM003)\n\n\x0c'