b'PRICING SCHEDULE\nThis is an example of terms that were available to recent applicants as of \x11\x14\x10\x14\x12\x10\x13\x11\x0f\n06/30/21\n03/31/21.\nThis Pricing Schedule is part of the Cardmember Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n2\x15.\x15\x1a%.\n22.99%. This APR will vary with the market based on the Prime Rate.1\n\nAPR for Balance Transfers\n\n2\x15\x0f\x15\x1a%.\n22.99%. This APR will vary with the market based on the Prime Rate.1\n\nAPR for Cash Advances\n\n2\x17\x0f\x15\x1a%.\n24.99%. This APR will vary with the market based on the Prime Rate.1\n\nPenalty APR and When It Applies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will\nnot charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on\ntransaction\nposted to your Account.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFees\nAnnual Fee\n\nNone\n\nBalance Transfer Fee\n\n\x16% of the amount of each transfer.\n\nCash Advance Fee\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\nLate Fee\n\nNone\n\nReturned Payment Fee\n\n$40.\nUp to $3\x1a.\n\n$3\x1a.\n$40.\n\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9cdaily balance (including current transactions)\xe2\x80\x9d. See the Cardmember Agreement for details.\nThe purchase and balance transfer APR is equal to the Prime Rate plus a margin of 19.74%.\nThe Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%.\n\n1\n\n\xc2\xaa\x13\x11\x13\x11\x01%JTDPWFS\x01#BOL \x01.FNCFS\x01\'%*$\x01\n\xc2\xa92021 Discover Bank, Member FDIC\n$."/13%*\x11\x14\x14\x12\x13\x11\n\nCMANPRDI063021\nCMANPRDI033121\n\n-1-\n\n\x0cCARDMEMBER AGREEMENT\nThank you for choosing Discover\xc2\xae card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including\nthe Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a \xe2\x80\x9cDefinitions\xe2\x80\x9d section for your reference on page 3.\n\nACCEPTANCE OF AGREEMENT\nYou accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the\nAccount. You may, however, reject the \xe2\x80\x9cArbitration of Disputes\xe2\x80\x9d section as explained in that section.\n\nCHANGES TO YOUR AGREEMENT\nThe rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance\nwritten notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law.\n\nUSING YOUR ACCOUNT\nPermitted Uses\n\nYou may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions.\n\nAuthorized Users\n\nYou may request additional Cards for Authorized Users to make transactions on your Account. You must notify us if you wish to cancel the authority of an Authorized\nUser to use your Account. You are responsible for all charges made by your Authorized Users.\n\nJoint Accounts\n\nIf your Account is a joint Account\n\xe2\x80\xa2 each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and\n\xe2\x80\xa2 any notice we mail to an address provided by either of you for the Account will serve as notice to both of you.\n\nChecks\n\nIf we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any\namount you owe us.\n\nCredit Authorizations\n\nWe may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check\nor Account number.\n\nCredit Lines\n\nWe will tell you what your Account credit line is. You must keep your Account\nbalance below your Account credit line. If you do not, we may request immediate\npayment of the amount by which you exceed it. We may establish a lower credit line\n\nfor Cash Advances. We may increase or decrease your Account credit line or your\nCash Advance credit line without notice. We may delay increasing your available\ncredit by the amount of any payment that we receive for up to 10 business days.\n\nFEES (See your Pricing Schedule for Additional Fees)\nLate Fee\n\nWe will not charge a Late Fee the first time you do not make the Minimum Payment\nDue by the Payment Due Date. After that, if you do not pay the Minimum Payment\nDue by the Payment Due Date, we will charge you a Late Fee. The fee is $29, if you\n\nwere not charged a Late Fee during any of the prior six billing periods. Otherwise,\nthe fee is $40. This fee will never exceed the Minimum Payment Due that was due\nimmediately prior to the date on which the fee was assessed.\n\nReturned Payment Fee\n\nIf you make a payment that is not honored by your financial institution, we will\ncharge you a Returned Payment Fee even if the payment is honored after we\nre-submit it. The fee is $29 if you were not charged a Returned Payment Fee during\n\nany of the prior six billing periods. Otherwise, the fee is $40. This fee will never\nexceed the Minimum Payment Due that was due immediately prior to the date on\nwhich the payment was returned to us.\n\nANNUAL PERCENTAGE RATES (\xe2\x80\x9cAPRs\xe2\x80\x9d) (See your Pricing Schedule for the APRs that apply to your Account)\nVariable APRs\n\nYour Pricing Schedule may include variable APRs. These APRs are determined by\nadding the number of percentage points that we specify to the Prime Rate. Variable\nAPRs will increase or decrease when the Prime Rate changes. The APR change\n\nPenalty APR\n\nNone\n\nwill take effect on the first day of the billing period that begins during the same\ncalendar month that the Prime Rate changes. An increase in the APR will increase\nyour interest charges and may increase your Minimum Payment Due.\n\nMAKING PAYMENTS\nPayment Instructions\n\n\xe2\x80\xa2 You must pay in U.S. dollars. Please do not send cash. Sending cash is not\nallowed. All checks must be drawn on funds on deposit in the U.S.\n\xe2\x80\xa2 You must pay us for all amounts due on your Account. This includes charges\nmade by Authorized Users.\n\xe2\x80\xa2 We may refuse to accept a payment in a foreign currency. If we do accept it,\nwe will charge your Account our cost to convert it to U.S. dollars.\n\xe2\x80\xa2 We can accept late payments, partial payments or payments marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or with any other restrictive endorsement without\nlosing any of our rights under this Agreement.\n\n\xe2\x80\xa2 We credit your payments in accordance with the terms contained on your\nbilling statement.\n\xe2\x80\xa2 If you mail your payment to an address other than the address designated on\nyour billing statement, there may be a delay in processing and crediting the\npayment to your Account.\n\xe2\x80\xa2 If a third party makes a payment on your Account and we return all or a part of\nsuch payment, then we may adjust your Account for any amount returned. We\nreserve the right to defend ourselves against any demand to return funds we\nhave received, and may agree to a compromise of the demanded amount\nas part of a settlement.\n\nMinimum Payment Due\n\nYou may pay the entire New Balance shown on your billing statement at any time.\nEach billing period you must pay at least the Minimum Payment Due by the Payment\nDue Date shown on your billing statement. The Minimum Payment Due will be the\ngreater of:\n\xe2\x80\xa2 $20; or\n\xe2\x80\xa2 any past due amount plus the greater of:\n\xe2\x80\x94 3% of the New Balance shown on your billing statement (excluding any Interest\nCharges and Late Fee shown on your billing statement); or\n-2-\n\n\xe2\x80\x94 $15, plus any of the following charges as shown on your billing statement:\nfees for any debt protection product that you enrolled in on or after 2/1/2015;\nInterest Charges; and Late Fees (not to exceed 4% of the New Balance).\nThe Minimum Payment Due may also include amounts by which you exceed your\nAccount credit line. It will never exceed the New Balance. When we calculate the\nMinimum Payment Due, we may subtract from the New Balance certain fees added\nto your Account during the billing period. The Minimum Payment Due is rounded up\nto the nearest dollar.\n\n\xc2\xa92021 Discover Bank, Member FDIC\n\n\x0cMAKING PAYMENTS\nHow We Apply Payments\n\nWe apply payments and credits at our discretion, including in a manner most\nfavorable or convenient for us. In all cases, we will apply payments and credits as\nrequired by applicable law.\n\nEach billing period, we will generally apply amounts you pay that exceed the\nMinimum Payment Due to balances with higher APRs before balances with lower\nAPRs as of the date we credit your payment.\n\nHow We Calculate Interest\nCharges\xe2\x80\x94Daily Balance\nMethod (including current\ntransactions)\n\nWe calculate interest charges each billing period by first figuring the \xe2\x80\x9cdaily balance\xe2\x80\x9d\nfor each Transaction Category. Transaction Categories include standard Purchases,\nstandard Cash Advances and different promotional balances, such as Balance Transfers.\nHow We Figure the Daily Balance for Each Transaction Category\n\xe2\x80\xa2 We start with the beginning balance for each day. The beginning balance for the\nfirst day of the billing period is your balance on the last day of your previous billing period.\n\xe2\x80\xa2 We add any interest charges accrued on the previous day\xe2\x80\x99s daily balance and any\nnew transactions and fees. We add any new transactions or fees as of the later of\nthe Transaction Date or the first day of the billing period in which the transaction\nor fee posted to your Account.\n\xe2\x80\xa2 We subtract any new credits and payments.\n\xe2\x80\xa2 We make other adjustments (including those adjustments required in the \xe2\x80\x9cPaying\nInterest\xe2\x80\x9d section).\n\nHow We Figure Your Total Interest Charges\n\xe2\x80\xa2 We multiply the daily balance for each Transaction Category by its daily periodic\nrate. We do this for each day in the billing period. This gives us the interest\ncharges for each Transaction Category. To get a daily periodic rate, we divide the\nAPR that applies to the Transaction Category by 365.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for\nthe billing period.\nHow We Include Fees\nWe add Balance Transfer Fees to the applicable Balance Transfer Transaction\nCategory. We add Cash Advance Fees to the applicable Cash Advance Transaction\nCategory. We add all other fees to the standard Purchase Transaction Category.\n\nPaying Interest\n\nWhen Interest Charges Begin\nWe begin to impose interest charges on a transaction, fee or interest charge from\nthe day we add it to the daily balance. We continue to impose interest charges\nuntil you pay the total amount you owe us. You can avoid paying interest on\nPurchases as described below. However, you cannot avoid paying interest on\nBalance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d)\nIf you pay the New Balance on your current billing statement by the Payment Due\n\nDate shown on that billing statement, we will not impose interest charges on\nNew Purchases. New Purchases are Purchases that first appear on the next billing\nstatement. Interest will continue to accrue each day on Purchases that appeared on\nprevious billing statements until you pay the New Balance in full and will be billed\nin the next billing cycle.\nHow We Apply Payments May Impact Your Grace Period\nIf you do not pay your New Balance in full each month, then, depending on the balance\nto which we apply your payment, you may not get a grace period on new Purchases.\n\nINTEREST CHARGES\n\nOTHER IMPORTANT INFORMATION\nDefault\n\nYou are in default if:\n\xe2\x80\xa2 you file bankruptcy or another insolvency proceeding is filed by you or against you;\n\xe2\x80\xa2 we have a reasonable belief that you are unable or unwilling to repay your\nobligations to us;\n\xe2\x80\xa2 you die or are legally declared incompetent or incapacitated;\n\nCollection Costs\n\nIf we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys\xe2\x80\x99 fees, court or other collection costs,\nand fees and costs of any appeal.\n\nMerchant Disputes\n\nIf you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us\nyour claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing.\n\nAutomatic Account\nInformation Updates\n\nYou may set up automatic billing or store your Account information with an Affiliate,\nmerchant, wallet provider, or other third party (\xe2\x80\x9cPermitted Party\xe2\x80\x9d). If you do, you\nauthorize us to share your Account information, which may include your rewards\naccount balance, with the Permitted Party, regarding the use of your Account. If your\n\nAccount information changes, which may include your billing address, you authorize us\nto provide this updated information to any such Permitted Party at our discretion. You\nmust contact the Permitted Party directly or remove your credit card information from\nthe Permitted Party website if you wish to stop automatic billing or Account updates.\n\nOur Privacy Policy\n\nWe send you our Privacy Policy when you open your Account and annually.\nContact us or visit Discover.com if you would like a copy. Please read it carefully.\nIt summarizes:\n\xe2\x80\xa2 the personal information we collect;\n\n\xe2\x80\xa2 how we safeguard its confidentiality and security;\n\xe2\x80\xa2 when it may be shared with others; and\n\xe2\x80\xa2 how you can limit our sharing of this information.\n\nCredit Reporting\nAgency Information\n\nYou authorize us to get information from credit reporting agencies and other\nsources for servicing or review of your Account, collection and any other use\npermitted by law, including to consider you for other products and services. We\nmay report the status and payment history of your Account to credit reporting\n\nagencies and other creditors. We normally report to credit reporting agencies each\nmonth. If you believe that information we reported is inaccurate or incomplete,\nplease write us at Discover, P.O. Box 30939, Salt Lake City, UT 84130-0939. Please\ninclude your name, address, home phone number and Account number.\n\nOur Communications\nwith You\n\nYou agree that we, our Affiliates, and agents, including service providers (\xe2\x80\x9cAuthorized\nParties\xe2\x80\x9d) may contact you, including calls, text message or email, about any current or\nfuture accounts or applications, with respect to all products you have with us at any\nphone number or email (i) you have provided to us, (ii) from which you contacted us,\nor (iii) which we obtained and believe we can reach you at, even if your phone provider\nmay charge you message and data rates for calls or texts. You agree that the Authorized\nParties may record or monitor any calls between you and the Authorized Parties. You\nagree to notify us if you change or discontinue using any phone number you provide.\n\nYou agree that the Authorized Parties may contact you using an automatic dialer or\npre-recorded voice message. If you no longer wish to be contacted on your cell phone\nby an automated dialer or pre-recorded voice message, you must provide us written\nnotice cancelling your consent at this address: Discover Bank, P.O. Box 30937, Salt Lake\nCity, UT 84130-0937. The written notice must include: your name, mailing address,\nthe last four digits of your Account number and the specific cell phone number(s) for\nwhich you would like to cancel your consent to be contacted by an automated dialer or\npre-recorded voice message.\n\nUnauthorized Use\n\nYou must notify us immediately if:\n\xe2\x80\xa2 your Card is lost or stolen; or\n\n\xe2\x80\xa2 you believe someone is using your Account or a Card without your permission.\n\nCancellation of\nYour Account\n\n\xe2\x80\xa2 You may cancel your Account. You will remain responsible for any amount you\nowe us under this Agreement.\n\xe2\x80\xa2 Any joint Accountholder may cancel a joint Account. However, both of you will\nremain responsible for paying all amounts owed.\n-3-\n\n\xe2\x80\xa2 We may cancel, suspend or not renew your Account at any time without notice.\n\n\xe2\x80\xa2 you fail to comply with the terms of this Agreement or any Agreement with us or\nan Affiliate, including failing to make a required payment when due, exceeding\nyour Account credit line or using your Card or Account for an illegal transaction.\nIf you are in default, we may declare the entire balance of your Account immediately\ndue and payable without notice.\n\n\x0cOTHER IMPORTANT INFORMATION\nPurchases and Cash Advances\nin Foreign Currencies\n\nIf you make a Purchase or Cash Advance in a foreign currency, we will convert\nit to U.S. dollars using a rate we choose. This rate will either be a governmentmandated rate, a government-published rate or the interbank exchange rate,\n\nGoverning Law\n\nThis Agreement is governed by applicable federal law and by Delaware law. However, in the event you default and we file a lawsuit to recover funds loaned to you, the\nstatute of limitations of the state where the lawsuit is filed will apply, without regard to that state\xe2\x80\x99s conflicts of laws principles or its \xe2\x80\x9cborrowing statute.\xe2\x80\x9d\n\nSeverability\n\nExcept as set forth in the \xe2\x80\x9cArbitration\xe2\x80\x9d section, if any part of this Agreement is found to be invalid, the rest of it will still remain in effect.\n\nEnforcing this Agreement\n\nWe may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them.\n\nAssignment of Account\n\nWe may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior\nwritten consent.\n\ndepending on the country and currency in which the transaction is made. We\nuse the rate in effect on the conversion date for the transaction. This rate may\nbe different than the rate in effect on the Transaction Date for the transaction.\n\nMILITARY BORROWERS\nStatement of MAPR\n\nFederal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an Annual Percentage Rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: (1) the costs associated with credit\ninsurance premiums; (2) fees for ancillary products sold in connection with the\n\nOral Disclosures\n\nBefore agreeing to this Agreement, in order to hear important disclosures and payment information about this Agreement, please call 1-844-DFS-4MIL (1-844-337-4645)\nanytime 24/7. If calling outside the U.S., you can contact us at +1-801-451-3730.\n\ncredit transaction; (3) any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and (4) any participation fee\ncharged (other than certain participation fees for a credit card account). If you\nwould like more information about whether this section applies to you, please\ncontact us at 1-844-DFS-4MIL (1-844-337-4645) anytime 24/7. If calling outside\nthe U.S., you can contact us at +1-801-451-3730.\n\nCONTACT US\nUnless we tell you otherwise, you can notify us: \xe2\x80\xa2 by phone at 1-800-347-3085 or \xe2\x80\xa2 in writing to Discover, P.O. Box 30943, Salt Lake City, UT 84130-0943.\nWhen writing, please include your name, address, home phone number and Account number. You must contact us within 15 days after changing your email address, mailing address or phone number.\n\nDEFINITIONS\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Discover card account.\n\xe2\x80\x9cAffiliate\xe2\x80\x9d means our parent corporations, subsidiaries and affiliates.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you authorize to use your Account or a Card, whether you\nnotify us or not.\n\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a balance transferred from another creditor to your Account.\n\xe2\x80\x9cCard\xe2\x80\x9d means any one or more Discover cards issued to you or someone else with your\nauthorization.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Account for:\n\xe2\x80\xa2 obtaining cash from participating automated teller machines, financial institutions or other\nlocations; and\n\xe2\x80\xa2 online gambling, or to purchase lottery tickets, money orders, casino chips, foreign currency or\nsimilar items.\n\n\xe2\x80\x9cCheck\xe2\x80\x9d means any check we send to you to access your Account.\n\xe2\x80\x9cPricing Schedule\xe2\x80\x9d means the document entitled, \xe2\x80\x9cPricing Schedule,\xe2\x80\x9d which lists the APRs that\napply to your Account and other important information.\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d means the highest rate of interest listed as the U.S. Prime rate in the Money Rates\nsection of the online Wall Street Journal (www.wsj.com) on the last business day of the month.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Account to purchase or lease goods or services at\nparticipating merchants.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Discover Bank, the issuer of your Card.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d or \xe2\x80\x9cyours\xe2\x80\x9d refer to you and any other person(s) who are also contractually liable\nunder this Agreement.\n\xe2\x80\x9cTransaction Date\xe2\x80\x9d means the date shown on your billing statement for a transaction or fee.\n\nARBITRATION\nAgreement to Arbitrate. In the event of a dispute between you\nand us arising out of or relating to this Account or the relationships\nresulting from this Account or any other dispute between you or\nus, including, for example, a dispute based on a federal or state\nstatute or local ordinance (\xe2\x80\x9cClaim\xe2\x80\x9d), either you or we may choose\nto resolve the Claim by binding arbitration, as described below,\ninstead of in court. Any Claim (except for a Claim challenging the\nvalidity or enforceability of this arbitration agreement, including\nthe Class Action Waiver) may be resolved by binding arbitration\nif either side requests it. THIS MEANS IF EITHER YOU OR WE\nCHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO\nLITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO\nDISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION.\nEven if all parties have opted to litigate a Claim in court, you or we\nmay elect arbitration with respect to any Claim made by a new party\nor any new Claims later asserted in that lawsuit.\nThis arbitration agreement does not apply if, on the date you submit\nyour Application or on the date we seek to invoke this arbitration\nagreement, you are a member of the Armed Forces or a dependent\nof such a member covered by the federal Military Lending Act. If\nyou would like more information about whether you are covered\nby the Military Lending Act, please contact us at 1-844-DFS-4MIL\n(1-844-337-4645) or if you are calling from outside the U.S. at\n+1-801-451-3730.\n\nCLASS ACTION WAIVER. ARBITRATION MUST BE ON AN\nINDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY\nJOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST\nOTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE\nANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR\nIN A PRIVATE ATTORNEY GENERAL CAPACITY.\nThe arbitrator may award injunctive relief only in favor of the\nindividual party seeking relief and only to the extent necessary\nto provide relief warranted by that party\xe2\x80\x99s individual Claim. The\narbitrator may not award class, representative or public injunctive\nrelief. If a court decides that applicable law precludes enforcement\nof any of this paragraph\xe2\x80\x99s limitations as to a particular Claim\nfor relief, then after all appeals from that decision have been\nexhausted, that Claim (and only that Claim) must be severed from\nthe arbitration and may be brought in court. Only a court, and not\nan arbitrator, shall determine the validity, scope, and effect of the\nClass Action Waiver.\nYour Right to Go To Small Claims Court. We will not choose to\narbitrate any individual Claim you bring in small Claims court or your\nstate\xe2\x80\x99s equivalent court. However, if such a Claim is transferred,\nremoved or appealed to a different court, we may then choose\nto arbitrate.\n-4-\n\nGoverning Law and Rules. This arbitration agreement is\ngoverned by the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d). Arbitration must\nproceed only with the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d).\nThe rules for the arbitration will be those in this arbitration\nagreement and the procedures of the AAA, but the rules in this\narbitration agreement will be followed if there is disagreement\nbetween the agreement and the AAA\xe2\x80\x99s procedures. If the AAA\xe2\x80\x99s\nprocedures change after the Claim is filed, the procedures in effect\nwhen the Claim was filed will apply.\nFor a copy of the AAA\xe2\x80\x99s procedures, to file a Claim or for other\ninformation, please contact the AAA at 1101 Laurel Oak Rd.,\nVoorhees, NJ 08043, www.adr.org (1-877-495-4185).\nIf the AAA is completely unavailable, and if you and we cannot\nagree on a substitute, then either you or we may request that a\ncourt with jurisdiction appoint a substitute.\nFees and Costs. If you wish to begin arbitration against us but\nyou cannot afford to pay the AAA\xe2\x80\x99s or arbitrator\xe2\x80\x99s costs, we will\nadvance those costs if you ask us in writing. Any request like this\nshould be sent to Discover, P.O. Box 30421, Salt Lake City, UT\n84130-0421. If you lose the arbitration, the arbitrator will decide\nwhether you must reimburse us for money we advanced for you\nfor the arbitration. If you win the arbitration, we will not ask for\nreimbursement of money we advanced. Additionally, if you win the\n\n\x0cARBITRATION\narbitration, the arbitrator may decide that you are entitled to be\nreimbursed your reasonable attorneys\xe2\x80\x99 fees and costs (if actually\npaid by you).\nHearings and Decisions. Arbitration hearings will take place in\nthe federal judicial district where you live. A single arbitrator will\nbe appointed. The arbitrator must:\n\xe2\x80\xa2 Follow all applicable substantive law, except when contradicted\nby the FAA;\n\xe2\x80\xa2 Follow applicable statutes of limitations;\n\xe2\x80\xa2 Honor valid Claims of privilege;\n\xe2\x80\xa2 Issue a written decision including the reasons for the award.\nThe arbitrator\xe2\x80\x99s decision will be final and binding except for any\nreview allowed by the FAA. However, if more than $100,000 was\ngenuinely in dispute, then either you or we may choose to appeal to\na new panel of three arbitrators. The appellate panel is completely\nfree to accept or reject the entire original award or any part of it.\nThe appeal must be filed with AAA not later than 30 days after\nthe original award issues. The appealing party pays all appellate\ncosts unless the appellate panel determines otherwise as part of\nits award.\nClaim Notice and Special Payment. If you have a Claim, before\ninitiating an arbitration proceeding, you may give us written notice\n\nof the Claim (\xe2\x80\x9cClaim Notice\xe2\x80\x9d) at least 30 days before initiating the\narbitration proceeding. The Claim Notice must include your name,\naddress, and account number and explain in reasonable detail the\nnature of the Claim and any supporting facts. Any Claim Notice shall\nbe sent to us at Discover, P.O. Box 794, Deerfield, IL 60015 (or such\nother address as we shall subsequently provide to you). If, and only\nif, (1) you submit a Claim Notice in accordance with this agreement\non your own behalf (and not on behalf of any other party); and (2)\nan arbitrator, after finding in your favor in any respect on the merits\nof your Claim, issues you an award that (excluding any arbitration\nfees or attorneys\xe2\x80\x99 fees and costs awarded by the arbitrator) is\ngreater than the value of Discover\xe2\x80\x99s last written settlement offer\nmade before an arbitrator was selected, then you will be entitled to\nthe amount of the award or $7,500, whichever is greater. If you are\nentitled to the $7,500, you will receive in addition any arbitration\nfees or attorneys\xe2\x80\x99 fees and costs awarded by the arbitrator.\nAny arbitration award may be enforced (such as through a\njudgment) in any court with jurisdiction.\nOther Beneficiaries of this Agreement. In addition to you and\nus, the rights and duties described in this arbitration agreement\napply to: our Affiliates and our and their officers, directors and\nemployees; any third party co-defendant of a Claim subject to this\narbitration agreement; and all joint Accountholders and Authorized\n\nYour Billing Rights:\nKeep This Document For Future Use\n\nUsers of your Account(s).\nSurvival of this Agreement. This arbitration agreement shall\nsurvive:\n\xe2\x80\xa2 closing of your Account;\n\xe2\x80\xa2 voluntary payment of your Account or any part of it;\n\xe2\x80\xa2 any legal proceedings to collect money you owe;\n\xe2\x80\xa2 any bankruptcy by you; and\n\xe2\x80\xa2 any sale by us of your Account.\nYou Have the Right to Reject Arbitration for this Account.\nYou may reject the arbitration agreement but only if we\nreceive from you a written notice of rejection within\n30 days of your receipt of the Card after your Account is\nopened. You must send the notice of rejection to: Discover,\nP.O. Box 30938, Salt Lake City, UT 84130-0938. Your rejection\nnotice must include your name, address, phone number, Account\nnumber and personal signature. No one else may sign the rejection\nnotice for you. Your rejection notice must not be sent with any\nother correspondence. Rejection of arbitration will not affect\nyour other rights or responsibilities under this Agreement. If\nyou reject arbitration, neither you nor we will be subject to the\narbitration agreement for this Account. Rejection of arbitration\nfor this Account will not constitute rejection of any prior or future\narbitration agreement between you and us.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think\nyou owe.\n\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:\nDiscover\nP.O. Box 30421\nSalt Lake City, UT 84130-0421.\nYou may also contact us on the Web: https://discover.com/billingerrornotice\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us (or visit\nhttps://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou 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.\n\nIn your letter or on the Web, please give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing or electronically. You\nmay call us, but if you do we are not necessarily required to investigate any potential errors and you\nmay have to pay the amount in question.\n\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n\nWhat Will Happen After We Receive Your Letter or Web Submission\nWhen we receive your written or electronic notice, we must do two things:\n1. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we\nbelieve the bill is correct.\n\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing\nor electronically at:\nDiscover\nP.O. Box 30945\nSalt Lake City, UT 84130-0945\nhttps://discover.com/billingerrornotice\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may continue to appear on your statement.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\n-5-\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM VISA/PLATINUM VISA REWARDS/SHARE\nSECURED PLATINUM VISA/GLOBAL GOOD\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 INOVA Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers\nto each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. 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 $10.00, 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$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. 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 Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. 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.\n7. 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) 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. A fee (finance charge) will be charged on all transactions\nPage 2 of 6\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0ccompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n8. 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.\n9. 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.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. 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.\n12. 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 358 S. Elkhart Ave,\nElkhart, IN, 46516 or call Us at 800-645-3732, Monday through Friday 9:00 a.m. to 5:00 p.m. Eastern Time or 866-4384644, 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. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. 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\nPage 3 of 6\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0cCards 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.\n14. 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.\n15. 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.\n16. 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.\n17. 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.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. 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.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nIndiana.\n21. 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.\n22. 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.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. 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.\n25. 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.\n26. 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.\n27. 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.\n28. 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.\nPage 4 of 6\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0c29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. 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.\n\nPage 5 of 6\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n01301041-MXC30-P-1-111120 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nPlatinum Visa 1\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Visa\n\n9.99% to 17.99% , based on your creditworthiness.\nPlatinum Visa Rewards\n\n13.99%\nShare Secured Visa Platinum\n\n17.99%\nGlobal Good\n\n9.99% to 17.99% , based on your creditworthiness.\nAPR for Balance Transfers\n\nPlatinum Visa\n9.99% to 17.99% , based on your creditworthiness.\nPlatinum Visa Rewards\n13.99%\nShare Secured Visa Platinum\n17.99%\n\nAPR for Cash Advances\n\nGlobal Good\n9.99% to 17.99% , based on your creditworthiness.\nPlatinum Visa\n9.99% to 17.99% , based on your creditworthiness.\nPlatinum Visa Rewards\n13.99%\nShare Secured Visa Platinum\n17.99%\nGlobal Good\n9.99% to 17.99% , based on your creditworthiness.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01301041-MXC10-C-1-061819 (MXC101-E)\n\n\x0cFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n$5.00 or 4.00% of the amount of each cash advance, whichever is greater\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 4/15/2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Visa, Platinum Visa Rewards, Share Secured Visa Platinum and Global\nGood are secured credit cards. Credit extended under this credit card account is secured by various personal\nproperty and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares\nyou specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in\nany individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in\nany other account that would lose special tax treatment under state or federal law, and (d) collateral securing\nother loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you\nacknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act\nyour credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all\nshares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a\ncovered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you\ncease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are 14 or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$5.00 or 4.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nGlobal Good: Inova Federal Credit Union will donate 15.00% of the interchange fee on every purchase you make to the\nWorldwide Foundation for Credit Unions. Donations from your purchases help provide access to the financial building\nblocks needed to support families and strengthen economies in communities around the world.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01301041-MXC10-C-1-061819 (MXC101-E)\n\n\x0c'