b'Credit Card\nAgreement and\nDisclosure\nStatement\n\nYour Lifetime Financial Partner\n\n\x0cIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean each and all of those signing, using or\nhaving a credit Card Account with Northwest\nFederal Credit Union, referred to as \xe2\x80\x9cwe\xe2\x80\x9d and\n\xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cCredit Union\xe2\x80\x9d. The \xe2\x80\x9cCard\xe2\x80\x9d and/or\nthe \xe2\x80\x9cAccount\xe2\x80\x9d means any credit Card issued\nto you or those designated by you under the\nterms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d\nmeans any procedures used by you, or someone\nauthorized by you, to make a purchase or obtain\na cash advance whether or not the purchase\nor advance is evidenced by a signed written\ndocument. Virginia law will be used to interpret\nthis Agreement unless federal law applies. The\nprovisions of this Agreement are severable. If\nany provision of this Agreement is held by a\ncourt of law to be invalid or unenforceable the\nrest of this Agreement will not be affected.\n1. Acceptance of Cardholder Agreement.\nBy either using the Account or signing, using\nor accepting the plastic cards(s) issued to you\nby us (your \xe2\x80\x9cCard(s)\xe2\x80\x9d), you accept the terms\nand conditions of this Agreement. All Cards\nissued to you remain our property and must be\nreturned to us upon request. Once you have\nreceived your Card, call the phone number\nshown on the front of the Card to activate your\nCard. By activating your Card, you acknowledge\nyou have received a copy of this disclosure.\nWe may delay or deny access to your Account\nuntil you have called to confirm that you have\nreceived and activated your Card.\n2. Credit Line. Your Card Account will be an\nopen end Account. This means that you may\nborrow the full amount of the line of credit,\nrepay the principal, accrued interest and fees\nin full or in part, and borrow again up to your\nmaximum line of credit, as long as you continue\nto be creditworthy and a member of the Credit\nUnion in good standing. To remain in good\nstanding, you must meet your entire loan and\nAccount obligations to the Credit Union and\ncomply with applicable laws and the Credit\nUnion\xe2\x80\x99s bylaws. You agree to not use your Card\nwhen the use will exceed your total credit limit.\nYou also agree that we are not obligated to\nextend credit to you for an amount that would\nmake your outstanding balance exceed your\ntotal credit limit or for any amount if your\n1\n\n\x0coutstanding balance is already over the total\ncredit limit. We can change your credit limit at\nany time. If we allow you to use your Account\nfor more than your limit, you still agree to pay\nthe full amount you owe us. We may decline\nto honor any transactions for any reason. You\nagree that you will not use your Account for any\ntransaction that is illegal under any applicable\nlaw.\n3. Promise To Pay. You agree to pay us the\namount of purchases, cash advances, balance\ntransfers, fees and finance charges that you,\nyour coapplicant and/or authorized users make\n(even if we didn\xe2\x80\x99t issue a Card in that person\xe2\x80\x99s\nname) and whether or not you notify us that he\nor she will be using it. Each person who uses the\nCard(s) or permits another to use the Card(s)\nagrees to be jointly and severally liable to the\nCredit Union for all obligations due to the Credit\nUnion hereunder. If another person has use of\nyour Account and you want to end that person\xe2\x80\x99s\nprivilege, you must recover and return that\nperson\xe2\x80\x99s Card, if any. If you are unable to recover\nand return the Card, you will continue to be\nliable for any charges made unless you tell us to\ncancel all Cards and establish a new Account for\nyou. We will automatically cancel all Cards if you\nnotify us of unauthorized use. Your obligation to\npay the Account balance continues even though\nan agreement, divorce decree or other court\njudgment to which we are not a party may direct\nyou or one of the other persons responsible\nunder this Agreement to pay the Account.\n4. Authorizations. Some transactions on your\nAccount will require prior approval. These prior\napprovals are called \xe2\x80\x9cauthorizations\xe2\x80\x9d. We may\nlimit the number of authorizations we will give\nthe Account during any certain period of time\n(day, weekend, week) and we may deny an\nauthorization if we suspect that your Account\nis being used without your permission. If our\nauthorization system is not working fully, we\nmay be unable to give an authorization. For\nsecurity reasons, we cannot explain the details\nof how the authorization system works. You\nagree that we will not be liable for failing to\ngive an authorization. Transactions at some\nparticipating merchants (such as hotels, car\nrental companies, restaurants and gas stations)\n2\n\n\x0cmay result in authorizations for amounts greater\nthan the actual purchase amount, which will\nhave the effect of making less credit available\non your Account for several days (usually\nuntil the date the actual purchase amount is\nreceived from the merchant). We may, but are\nnot required to, authorize transactions that will\ncause the balance on your Account to exceed\nthe credit limit, and you agree that you are liable\nfor any such transactions as well as interest. If\nyou make a transaction that would cause you\nto exceed your total credit limit we may (1)\nauthorize the transaction without increasing your\ntotal credit limit; (2) authorize the transaction\nwithout increasing your total credit limit and\ntreat that amount as immediately due, or (3)\ndeny authorization. If the authorization is denied\nwe may notify the person who attempted\nthe transaction that it has been refused. If we\nauthorize a transaction that causes your Account\nto exceed its credit limit, it does not mean that\nwe will do so again in the future. In addition,\nwe reserve the right to deny transactions or\nauthorizations from merchants apparently\nengaging in the Internet gambling business\nor identifying themselves through the Card\ntransaction record or otherwise as engaged in\nsuch business.\n5. Special Features. You may receive separate\ninformation about special features of your\nCard Account. Your use of such features will be\ngoverned both by the terms of this Agreement\nand by the terms contained in such separate\ninformation.\n6. Monthly Payment. Your monthly statement\nwill tell you the total amount that you owe us,\nthe minimum payment that you must make and\nyour payment due date. The minimum payment\nfor credit card Accounts will be the greater of (1)\n2% of the new balance or (2) $35.00. If the new\nbalance of your Account is less than $35.00 the\nminimum payment will be the new balance.\nYou may pay the new balance in whole or in part\nat any time. We will not charge you a penalty for\npaying more than the minimum payment. We\nwill determine at our option, the order in which\npayments will be applied toward Purchases,\nCash Advances, Balance Transfer, unpaid\nFinance Charges and other Fees and Charges in\n3\n\n\x0caccordance with applicable laws. We may accept\nchecks marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with words\nof similar effect without losing any of our rights\nto collect the full balance of your Account with\nus. In addition, any past due amount is due and\npayable immediately. If your balance exceeds\nyour credit limit, we also require that you pay\nthe over limit amount.\nAny payment submitted to us in the form of\na check or other paper document may be\nconverted to an electronic transaction through\nprocedures established by the National\nAutomated Clearing House Association. If this\noccurs, the original check or other document\nthat you send to us will not be retained, but a\ncopy would be available if requested.\n7. Finance Charges, Grace Period and Index\nRate. A FINANCE CHARGE will be imposed on\nCredit Purchases only if you elect not to pay the\nentire New Balance of purchases shown on your\nmonthly statement for the previous billing cycle\nwithin 25 days from the closing date of that\nstatement. If you elect not to pay the entire New\nBalance of purchases shown on your previous\nmonthly statement within that 25-day period,\na FINANCE CHARGE will be imposed on the\nunpaid average daily balance of such Credit\nPurchases from the previous statement closing\ndate and on new Credit Purchases from the date\nof posting to your Account during the current\nbilling cycle, and will continue to accrue until\nthe closing date of the billing cycle preceding\nthe date on which the entire New Balance of\npurchases is paid in full or until the date of\npayment if more than 25 days from the closing\ndate. A FINANCE CHARGE will be imposed on\neach Cash Advance from the transaction date\nand continue daily until the date each Cash\nAdvance is paid in full.\nThe FINANCE CHARGE for a billing cycle is\ncomputed by applying the monthly Periodic\nRate to the average daily balance of Credit\nPurchases and Cash Advances, which is\ndetermined by dividing the sum of the daily\nbalances during the billing cycle by the number\nof days in the cycle. Each daily balance of Credit\nPurchases and Cash Advances is determined\nby adding to the outstanding unpaid balance\nof Credit Purchases and Cash Advances at the\n4\n\n\x0cbeginning of the billing cycle any new Credit\nPurchases and Cash Advances posted to your\nAccount, and subtracting any payments as\nreceived and credits as posted to your Account,\nbut excluding any unpaid FINANCE CHARGES.\nVISA FirstCard Periodic Rate: To determine\nthe Periodic Rate, we take the Rate divide that\nnumber by 12 to arrive at the periodic rate. For\nexample, if the rate were 12.90% the Periodic\nRate for that billing cycle would be 1.075%\n(12.9% divided by 12).\nVISA Platinum Periodic Rate for Accounts\nopened on or after 1/6/2010: To determine\nthe Periodic Rate, we take the \xe2\x80\x9cIndex Rate,\xe2\x80\x9d as\ndefined below, add a Margin and divide that\nnumber by 12 to arrive at the periodic rate. For\nexample, if the index rate were 5.0% and the\nmargin were 3.75%, the Periodic Rate for that\nbilling cycle would be 0.7292% (5.0% plus 3.75%\ndivided by 12). A periodic rate of 0.7292%\ncorresponds to an ANNUAL PERCENTAGE\nRATE of 8.75%. The margin is based on an\nevaluation of your credit history and may be\nreviewed and adjusted annually. The Annual\nPercentage Rate will not be higher than 18.00%,\nregardless of the index rate.\nVisa NOW REWARDS Periodic Rate: To\ndetermine the Periodic Rate, we take the\n\xe2\x80\x9cIndex Rate\xe2\x80\x9d as defined below, add a Margin\nand divide that number by 12 to arrive at the\nperiodic rate. For example, if the index rate\nwere 5.0% and the margin were 4.75%, the\nPeriodic Rate for that billing cycle would be\n0.8125% (5.0% plus 4.75% divided by 12). A\nperiodic rate of 0.8125% corresponds to an\nANNUAL PERCENTAGE RATE of 9.75%. The\nmargin is based on an evaluation of your credit\nhistory and may be reviewed and adjusted\nannually. The Annual Percentage Rate will not be\nhigher than 18.00%, regardless of the index rate.\nThe Index Rate used for calculating your\nPeriodic Rate for a billing cycle is the Prime Rate\npublished in the Wall Street Journal on the last\nbusiness day of the prior month (the \xe2\x80\x9cPeriodic\nRate Adjustment Date\xe2\x80\x9d). There are 12 Periodic\nRate Adjustment Dates per year.\nBecause the Index Rate may go up or down,\nthe Periodic rate applied to your Average\nDaily Purchases Balance or Average Daily Cash\nAdvance Balance, as the case may be, may also\nincrease or decrease, thereby increasing or\n5\n\n\x0cdecreasing the number of payments you will be\nrequired to make in order to repay your Total\nNew Balance.\nThe Periodic Rate that is applied to your\nAverage Daily Purchases Balance and Average\nDaily Cash Advance Balance appears on your\nmonthly statement. The Periodic Rate, in effect\nat the time of your Card approval, was provided\nto you in a separate Credit Union initial welcome\nletter and or acknowledgment form.\n8. Change In Terms Of Your Account. We can\nchange or add to any terms of your Account at\nany time. We do not guarantee that the fees\nand the Annual Percentage Rates (APRs) on this\nAccount are for any particular length of time.\nFuture changes will be made in accordance\nwith this Agreement and applicable law. We\nwill provide you with such notice as is required\nby applicable law. Such changes may apply to\nthe existing balance on your Account as well\nas to future balances in accordance with this\nAgreement and applicable law. If required by\napplicable law, we will permit you to reject\ncertain types of changes, by providing us with\nwritten notice and closing your Account and you\nwould then be permitted to repay any balance\non the Account under the terms in effect prior to\nthe change.\n9. Savings Account Required. All applicants\nand co-applicants on a credit card Account must\nhave an open savings Account that carries a\nshare par balance. You must continue to be a\nmember of the Credit Union and comply with\nthe basic Account requirements to maintain\neligibility for this Account. You may close your\nAccount at any time by notifying us in writing\nand returning all Cards cut in half.\n10. Overdraft Protection Advances. Overdraft\nprotection advances will begin only if you\ndesignate your Card as an overdraft protection\nsource in writing. If your checking Account does\nnot have sufficient available funds to cover any\nitem presented and drawn on the Account,\nany overdraft up to your unused credit limit\nwill be added to your credit Card Account\nbalance under this Agreement, if the Credit\nUnion pays the item. The Credit Union has\nthe right to refuse overdraft advances but will\n6\n\n\x0cnotify you of the refusal. If there is more than\none person listed on the checking Account\n(such as a joint checking Account) that you have\nlinked for Overdraft Protection, then: (1) you\nwill be responsible for all Overdraft Protection\nadvances regardless of which person causes any\nitem to be presented or engages in any other\ntransaction that causes the overdraft (checks,\nACH, debit Card, etc); and (2) you expressly\nconsent to us disclosing to any other person\non that checking Account that the checking\nAccount is linked to the Card for Overdraft\nProtection. We reserve the right to cancel or\nsuspend your Overdraft Protection service at any\ntime at our sole discretion, for any reason.\n11. Credit Card Fees. We may charge your\nCard or your Account for Card related fees.\nThe application and payment of the fee will not\ncorrect the situation that caused the fee to be\ncharged. Please refer to our current Credit Card\nPricing Information.\nOther Fees: (1) If you ask the Credit Union for\nstatement research and reconstruction services\nfor any reason, you will be charged the same\nhourly rate then being charged by the Credit\nUnion for all of its checking Accounts for that\nservice; (2) Additional fees may be charged\nif agreed between you and us; and (3) To the\nextent not prohibited by law, if you are in\ndefault, you agree to pay our collections costs,\nattorney\xe2\x80\x99s fees and court costs incurred in\nenforcing our rights under this Agreement.\nWe may waive any of the fees in this Agreement\nat our discretion; however, we reserve the right\nto begin charging any fee that was previously\nwaived without providing prior notice to you.\n12. Reevaluation of Credit. We can\nreinvestigate and reevaluate any information you\nprovided on your credit application at any time,\nand in the course of doing so, we may ask you\nfor additional information, request credit bureau\nreports and/or otherwise verify your current\ncredit standing.\n13. Account Closing. We may cancel, revoke,\nreduce the amount of your credit line or\nsuspend your rights under this Agreement\nand require the return of the Card(s) for any\nreason, including your default, without notice to\n7\n\n\x0cyou except in those situations where notice is\nrequired by law. You may also close the Account\nat any time by notifying us in writing and\nreturning all Cards. If the Account is closed or\nwe terminate or suspend your credit privileges\nfor any reason, you must still repay any unpaid\nbalance you owe to us including charges and or\ntransactions not yet received by us, as well as\nsubsequent Finance Charges and other charges\naccording to the terms of this Agreement. Each\nCard is our property and you agree that the\nCards are not transferable and to surrender any\nCard upon demand. If this is a joint Account,\neither person who is liable on the Account may\ngive notice to cancel the Account, and we may\nclose it without notifying the other liable person.\n14. Default. You will be in default, and we may,\nwithout notifying you, temporarily suspend\nyour credit, close your Account, cancel all Cards\nissued on it and require immediate payment\nof your entire balance if any of the following\noccurs:\na. You fail to make a payment when it is due;\nb. You do not follow the terms of this\nAgreement in any way;\nc. You have made any false or misleading\nstatement on the application for your\nAccount;\nd. You fail to pay any other loans you owe us;\ne. You become insolvent or die;\nf. There is an attachment, execution or levy\nagainst your property or you make an\nassignment for the benefit of creditors;\ng. A bankruptcy petition is filed by or against\nyou or your spouse;\nh. A guardian, conservator, receiver, custodian\nor trustee is appointed for you;\ni. You are generally not paying your debts as\nthey become due;\nj. There has been a material adverse change\nin your financial standing;\nk. Something happens that we believe may\nseriously affect your ability to repay what\nyou owe under this Agreement.\n15. Consent To Recover Delinquent Payments\nFrom Accounts.\na.\n\nIn consideration for and as a condition of\nthe Credit Union issuing a Card(s) to you,\nyou agree that if you fail to make your\n8\n\n\x0crequired payments the Credit Union can\ntake any monies on deposit at the Credit\nUnion in which you have an interest to\nrecover all or part of your delinquent\ndebt without advance notice to you and\nwithout waiving other rights we have to\ncollect what you owe. This consent is not\na pledge of any shares and will not affect\nyour right to withdraw shares prior to\nour exercise of our rights following your\npayment default. This consent applies to\nall funds you voluntarily deposit to Credit\nUnion Accounts, including funds such as\nSocial Security direct deposit that are\nnormally exempt from creditors\xe2\x80\x99 remedies\n(this does not include your Individual\nRetirement, KEOGH or SEP Account). You\nunderstand that we will never require you\nto deposit exempt funds to Credit Union\nAccounts.\nb.\n\nc.\n\nFor Cards secured by Shares, an amount\nequal to 100% of your credit limit is\nheld in your Regular Savings Account as\ncollateral for your credit. If you give the\nCredit Union a specific pledge of shares by\nsigning a separate pledge of shares, your\npledged shares will secure your Account.\nYou may not withdraw amounts that have\nbeen specifically pledged to secure your\nAccount until the Credit Union agrees to\nrelease all or part of the pledged amount.\nIf you default in your payments under this\nAgreement, we have the right to apply the\namount specifically pledged to pay off this\nAccount in full or in part.\nThe security interests in this section apply\neven if your Card(s) is otherwise designated\n\xe2\x80\x9csecured\xe2\x80\x9d or \xe2\x80\x9cunsecured.\xe2\x80\x9d\n\n16. Attorneys\xe2\x80\x99 Fees. You agree to pay all costs\nincurred by us in collecting your indebtedness or\nin enforcing this agreement including attorney\xe2\x80\x99s\nfees and costs, as well as those costs, expenses\nand attorney\xe2\x80\x99s fees incurred in appellate,\nbankruptcy and post-judgment proceedings,\nexcept to the extent such costs, fees or\nexpenses are prohibited by law.\n17. Returns and Adjustments. Merchants and\nothers who honor the Card may give credit\n9\n\n\x0cfor returns or adjustments, and they will do so\nby sending us a credit slip, which we will post\nto your Account. If your credits and payments\nexceed what you owe us, we will hold and apply\nthis credit balance against future purchases and\ncash advances, or if it is $1.00 or more, refund it\non your written request or automatically after 6\nmonths.\n18. Plan Merchant Disputes. We are not liable\nfor the refusal of any plan merchant or financial\ninstitution to honor your Card.\n19. Additional Benefits/Card Enhancements.\nThe Credit Union may from time to time offer\nadditional services to your Account, such as\ntravel accident insurance, discontinue any credit\nservice, or replace your Card with another Card\nat no additional cost to you. You understand\nthat the Credit Union is not obligated to offer\nsuch services and may withdraw or change them\nat any time.\n20. Use of Card for Illegal or Risky\nTransactions. You agree that you will not use\nor allow others to use your Card(s) for illegal\ntransactions such as illegal online gambling. The\nCredit Union may refuse to honor any transaction\nwe reasonably believe to be illegal. However,\nultimate responsibility for determining the legality\nof transactions for which your Card is used rests\nwith you, not with the Credit Union. You agree to\nhold us harmless for any damages or other liability\narising from a transaction initiated by you or your\nauthorized user for the purpose of conducting an\nillegal activity, including but not limited to, internet\ngambling or interstate sports betting. We reserve\nthe right to decline authorization of transactions\nfor activities we believe may violate law or pose\nsignificant risk to our members or us. You cannot\nuse the actual or alleged illegality of a transaction\nfor which authorized use of your Account was\nmade as a defense to your obligation to pay.\n21. Liability for Unauthorized Use. If you\nbelieve that your Card may have been lost or\nstolen or that your Account number may have\nbeen used without your authorization you must\nnotify us immediately at: 1-800-336-3384 or\nvia our website, or by writing to: Northwest\nFederal Credit Union, Attention: Card Services\n10\n\n\x0cDepartment, P.O. Box 1229, Herndon,\nVirginia 20172-1229. You may be liable for the\nunauthorized use of your Card depending on\nthe circumstances. Visa Cardholders: Depending\non the circumstances, you may qualify for zero\nliability under the Visa zero liability program.\n22. Lost Or Stolen Cards. You agree to notify us\nimmediately if your Card is ever lost or stolen or if\nunauthorized use may occur. You agree to assist us\nin determining the facts, circumstances, and other\npertinent information relating to any loss, theft, or\npossible unauthorized use of your Card(s) and to\ncomply with such procedures as we may require\nin connection with our investigation. We will send\nyou a new Card with a new Account number to\nreplace the Card that was lost or stolen. Although\nyou will be issued a new Account number, you will\nnot be considered to have opened a new Account,\nand any existing balance will be transferred to the\nreplacement Account.\n23. Foreign Transactions. Purchases and cash\nadvances made with Visa outside of the United\nStates and its territories, including online\npurchases from a non-U.S. retailer that uses\nan overseas bank to process transactions, may\nincur an international transaction fee. This fee,\nwhich is up to one percentage point (1%) of the\ntransaction amount, is assessed by Visa. The\nCredit Union, as Card issuer, does not assess an\nadditional international transaction fee.\nVisa. If you engage in a transaction in a currency\nother than U.S. dollars using a Visa Card, Visa\nInternational will convert the charge into a U.S.\ndollar amount. The exchange rate between the\ntransaction currency and the billing currency\nused for processing international transactions is\neither (a) a rate selected by Visa from the range\nof rates available in wholesale currency markets\nfor the applicable central processing date, which\nrate may vary from the rate Visa itself receives,\nor (b) the government mandated rate in effect\nfor the applicable central processing date. The\ncurrency conversion rate for the processing date\nmay differ from the rate in effect on the date\nof the transaction or the date the transaction is\nposted to your billing statement.\n24. Effect of Agreement and Amendments.\nThis Agreement governs all transactions on your\n11\n\n\x0cAccount even though the sales, cash advance,\ncredit, or other slips you sign or receive may\ncontain different terms. We may amend or\nchange this Agreement, including rates, at any\ntime. If we do so, we will notify you in writing in\naccordance with the applicable law. However,\nwe may reduce charges, fees and rates without\nsending you an advance notice. Except as limited\nby applicable law, any amendment will apply to\nall then outstanding unpaid indebtedness arising\nfrom the use of your Card prior to the effective\ndate of the amendment. Any such amendment\nwill not require your written consent, but your\nconsent (if required by applicable law) may be\nevidenced by your use of the Card after we give\nyou notice of the amendment.\n25. What To Do If You Think You Find A\nMistake On Your Statement. If you think there\nis an error on your statement, write to us at:\nNorthwest Federal Credit Union\nATTN: Card Services Department\nP.O. Box 1229\nHerndon, VA 20172-1229\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account\nnumber.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\n\xe2\x80\xa2 You must contact us within 60 days after the\nerror appeared on your statement. You must\nnotify us of any potential errors in writing. You\nmay call us, but if you do we are not required\nto investigate any potential errors and you\nmay have to pay the amount in question\nWhile we investigate whether or not there has\nbeen an error, the following are true:\n\xe2\x80\xa2 We cannot try to collect the amount in\nquestion, or report you as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge\nyou interest on that amount. But, if we\ndetermine that we made a mistake, you will\nnot have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 While you do not have to pay the amount\nin question, you are responsible for the\n12\n\n\x0cremainder of your balance.\nWe can apply any unpaid amount against your\ncredit limit.\n26. Your Rights If You Are Dissatisfied\nWith Your Credit Card Purchases. If you are\ndissatisfied with the goods or services that you\nhave purchased with your Card, and you have\ntried in good faith to correct the problem with\nthe merchant, you may have the right not to pay\nthe remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in\nyour home state or within 100 miles of your\ncurrent mailing address, and the purchase\nprice must have been more than $50.\n(Note: Neither of these are necessary if your\npurchase was based on an advertisement\nwe mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your Card for the\npurchase. Purchases made with cash\nadvances from an ATM or with a check that\naccesses your Card Account do not qualify.\n3. You must not yet have fully paid for the\npurchase.\nIf all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in\nwriting at:\nNorthwest Federal Credit Union\nATTN: Card Services Department\nP.O. Box 1229\nHerndon, VA 20172-1229\nWhile we investigate, the same rules apply to\nthe disputed amount as discussed above. After\nwe finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an\namount and you do not pay we may report you\nas delinquent.\n\xe2\x80\xa2\n\n27. Change Of Name, Address, Or Telephone\nNumber(s). You are responsible for promptly\nnotifying us of a change in your name, address\n(including the e-mail address(es) you use for\nonline banking with us and any other e-mail\naddress(es) at which you agree to be contacted),\nor telephone number(s) (including any wireless\ntelephone number(s).\n28. Inactivity. Cards unused and or idle for\ntwelve (12) months or more with a zero (0)\nbalance will automatically be closed. Should that\n13\n\n\x0coccur an application and credit approval would\nbe required to establish a new Card Account.\n29. Important Disclosures for Active Members\nof the Military and Their Dependents. The\nfollowing applies if at the time of this unsecured\nloan you are a member of the military or a\ndependent (as those terms are defined in the\nMilitary Lending Act, 10 U.S.C. 987 and its\nimplementing regulations):\n1. NOTICE: Federal law provides important\nprotections to members of the Armed Forces\nand their dependents relating to extensions\nof consumer credit. In general, the cost of\nconsumer credit to a member of the Armed\nForces and his or her dependent may not\nexceed an annual percentage rate of 36\npercent. This rate must include, as applicable\nto the credit transaction or Account: the\ncosts associated with credit insurance\npremiums or debt protection fees; fees for\nancillary products sold in connection with\nthe credit transaction; any application fee\ncharged (other than certain application fees\nfor specified credit transactions or Accounts);\nand any participation fee charged (other\nthan certain participation fees for a credit\ncard Account). To receive this notice verbally,\nplease call 844-709-4652.\n2. This loan or advance will not be secured by a\nconsensual lien on shares or deposits in any\nof your Accounts. The Credit Union, however,\ndoes not waive any statutory share lien that\nmay apply to your loan.\n3. Any reference to cross-collateralization shall\nnot apply to this loan or advance.\n4. This loan or advance is not subject to\nmandatory arbitration and therefore any\nreference to mandatory arbitration in the\nCredit Card Agreement and Disclosure\nStatement shall not apply to this loan or\nadvance.\n5. Any waiver under the Credit Card\nAgreement and Disclosure Statement of\napplicable state and federal rights shall not\napply to your loan.\nAll information about the Card described in this\ndisclosure is current as of 5/1/2021. Subject to\nchange.\nGAM ( 5/1/2021) 3M\n14\n\n\x0c15\n\n\x0c'


b'Interest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nSHCLR-D-0121 (AFTI)\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due\ndate each month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nNOTICE: The Annual Fee will be assessed before you begin using your card and\nwill reduce the amount of credit you initially have available. For example, if you\nare assigned the minimum credit limit of $350, your initial available credit will be\nonly about $275.\nAnnual Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\n$75\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nParagraph 15 of this Contract.\n\n\x0cTerms and Conditions\nImportant Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for\nyour name, address, date of birth and other information that will allow us to identify you. This offer is not available to active\nduty military personnel and their dependents who are covered borrowers (as defined in 32 C.F.R. 232.3) under the Military\nLending Act.\nQualify For Future Unsecured Credit: The initial credit limit is $350. You may qualify for a higher initial credit limit based on\nyour debt-to-income ratio and credit profile. If you make all your payments on time, plus pay more than the minimum due each\nmonth, and subject to other conditions in effect from time to time including your debt-to-income ratio, you may be eligible to\nreceive future credit limit increases. This allows you to increase your credit limit by establishing a good credit history with us.\nThe maximum credit limit is $5,000.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.showcardcc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to Bryant State Bank (Bryant,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission\nto use the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as\nany related fees and interest. If you do not pay for the charges made by the authorized user, we may choose to collect\ndirectly from them. If you want to remove an authorized user from your account, you need to get the card from them and\nnotify us. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges.\nThe cards remain our property and you agree to return them at our request or we have the right to have a merchant keep\nthe card and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to\nnotify us immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN\nto use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for\nillegal charges.\n\n\x0c3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. Your\nbalance may not exceed your credit limit at any time. If your balance is more than your credit limit, you must pay the\namount over your credit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement each month that your account has a balance or there is\nactivity on your account. The statement will show your balance, interest, and fees charged, and your minimum payment\nand payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send\na payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights\nto collect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive\nthem and will not be liable for any fees that may result. We will post payments when received but we reserve the right\nto limit available credit resulting from any payment for up to fourteen (14) days which may be extended if a payment is\nreturned for any reason or if there is other suspicious activity. If your payment is returned unpaid from your bank, we may\nre-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy of it at your\nrequest.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be at least twenty-five\n(25) days from the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying Your Payments: In general, the payment will be applied in the following order: unpaid interest, unpaid fees\nand other charges; and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the\nUnited States. Do not send cash through the mail. Payments cannot be paid at a branch bank. Payments mailed to the\npayment address and received by 5 P.M. central time will be credited the same day. For other payment options, please\ncall customer service at (866) 205-8313.\n\n9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the prior month\xe2\x80\x99s ending balance in full by the\npayment due date. We figure the interest on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nof your account. To calculate the \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance of your account each day, add\nany new purchases, advances and fees, and subtract any unpaid interest, payments and credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d. Billing cycle means the time between two billing statements. To\ncalculate the interest, we multiply the average daily balance by the monthly periodic rate. The monthly periodic rate is\ncalculated by dividing the annual percentage rate of 29.9% by 12 (months). The monthly periodic rate is 2.4917%.\n\n10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will accrue\ninterest.\na. Annual Fee: A $75 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User Fee: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (866) 205-8313,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\n13. Call Recording, Automated Calling, Pre-recorded Messages and Privacy: We will send you a privacy notice annually.\nYour telephone calls with our representatives may be recorded for quality and other purposes. We may use automated\ntelephone equipment or pre-recorded telephone calls to contact you at any number you provide to us or that we obtain,\nincluding any cellular telephone number. You agree that we will not be responsible for the release of information to\nanyone who has gained possession of a card or identification number, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\n\n\x0cthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at:\nBryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. In your letter, give us the following information: Your\nname and account number; the dollar amount of the suspected error; a description of the problem. If you think there is\nan error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: 1)\nWithin 60 days after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3\nbusiness days before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must\nnotify us of any potential errors in writing. You may call us but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent and we must let those\norganizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not\nhave to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply if your purchase was based on an\nadvertisement we mailed to you or if we own the company that sold you the goods or services. 2) You must have used\nyour credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met\nand you are still dissatisfied with the purchase, contact us in writing at: Bryant State Bank, PO Box 5161, Sioux Falls,\nSD 57117-5161. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our\nright to enforce them at a later time.\n17. Credit Reports, Credit Reporting and Privacy: You authorize us to obtain credit reports about you for any legitimate\nbusiness purpose. We may obtain a credit report for reviewing, modifying the terms, renewing the account or collection.\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults\non your account may be reflected in your credit report. You and each authorized user agree that we may report account\ninformation to credit reporting agencies in the names of both you and the authorized user(s).\n18. Change in Terms of Your Credit Account: We may change any term of this contract at any time upon such notice to\nyou as is required by law. You may have the right to reject the change in terms, depending on the type of change, and if\nyou do, your account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\n\n\x0cIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if\nan account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full.\nIf your account is in default and you try to make charges, we can use any legal means to recover the card(s) including\nlisting your account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation,\nwe can still declare your account in default for the same or different reason at a later time.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have\nnot used your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. New York Residents: Consumer reports may be requested in connection with the processing of the application\nand any resulting account. Upon your request, we will inform you of the names and addresses of any consumer\nreporting agencies which have provided us with such reports. New York residents may contact the New York\nDepartment of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New\nYork Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\nd. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n13.90%\n\nAPR for Cash Advances\n\n13.90%\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 cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n13.90%\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $10.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Recovery Fee:\n$35.00. If Your Account is subject to a Card Recovery Fee, a fee will be charged for any expenses involved in the\nrecovery of the Card.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$35.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPIN Replacement Fee:\n$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account whenever You request\na new PIN number for Your Account.\nRush Fee:\n$35.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nFor Alabama Borrowers: After default and upon referral to an attorney, who is not an employee of the Credit Union, You\nagree to pay all costs of collecting the amount You owe under this Agreement, including, if the unpaid balance under this\nplan is greater than $300.00 at the time of collection, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 13.90% which is a monthly periodic rate of\nThe Balance Transfer APR is 13.90% which is a monthly periodic rate of\nThe Cash Advance APR is 13.90% which is a monthly periodic rate of\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n.\n.\n.\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA CLASSIC\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 Tuscaloosa 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\neach 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, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 5.00% 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\n00100803-MXC30-P-1-081717 (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 purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by 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 in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign 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\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\nPage 2 of 5\n00100803-MXC30-P-1-081717 (MXC303-E)\n\n\x0c10. 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 PO Box 1518,\nTuscaloosa, AL, 35403 or call Us at (800) 808-7230, 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.\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\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.\n\nPage 3 of 5\n00100803-MXC30-P-1-081717 (MXC303-E)\n\n\x0c18. 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\nAlabama.\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.\n\nPage 4 of 5\n00100803-MXC30-P-1-081717 (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\n00100803-MXC30-P-1-081717 (MXC303-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n11.90%\n\nAPR for Cash Advances\n\n11.90%\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 cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n11.90%\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $10.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Recovery Fee:\n$35.00. If Your Account is subject to a Card Recovery Fee, a fee will be charged for any expenses involved in the\nrecovery of the Card.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$35.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPIN Replacement Fee:\n$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account whenever You request\na new PIN number for Your Account.\nRush Fee:\n$35.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nFor Alabama Borrowers: After default and upon referral to an attorney, who is not an employee of the Credit Union, You\nagree to pay all costs of collecting the amount You owe under this Agreement, including, if the unpaid balance under this\nplan is greater than $300.00 at the time of collection, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 11.90% which is a monthly periodic rate of\nThe Balance Transfer APR is 11.90% which is a monthly periodic rate of\nThe Cash Advance APR is 11.90% which is a monthly periodic rate of\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n.\n.\n.\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n14.90%\n\nAPR for Cash Advances\n\n14.90%\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 cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n14.90%\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $10.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Recovery Fee:\n$35.00. If Your Account is subject to a Card Recovery Fee, a fee will be charged for any expenses involved in the\nrecovery of the Card.\nCard Replacement Fee:\n$10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$35.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPIN Replacement Fee:\n$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account whenever You request\na new PIN number for Your Account.\nRush Fee:\n$35.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nFor Alabama Borrowers: After default and upon referral to an attorney, who is not an employee of the Credit Union, You\nagree to pay all costs of collecting the amount You owe under this Agreement, including, if the unpaid balance under this\nplan is greater than $300.00 at the time of collection, reasonable attorney\'s fees.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 14.90% which is a monthly periodic rate of\nThe Balance Transfer APR is 14.90% which is a monthly periodic rate of\nThe Cash Advance APR is 14.90% which is a monthly periodic rate of\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n.\n.\n.\n\n00100803-MXC20-P-1-081717 (MXC201-E)\n\n\x0c'