b'VARIABLE RATE CREDIT CARD\nAGREEMENT AND DISCLOSURES\nCONTENTS:\nAgreement Information\nTerms ............................................................................................ p.1\nPledge of Shares and Security Interest .......................................... p.1\nSecurity Agreement ....................................................................... p.1\nUse of the Account\n1. Using Your Account ................................................................ p.1\n2. ATM Access ............................................................................ p.1\n3. Maximum Credit Limit ............................................................ p.1\n4. Finance Charges ..................................................................... p.2\n5. Convenience Checks ............................................................... p.2\n6. Foreign Currency/Cross Border Transactions ......................... p.3\n7. Merchant Disputes ................................................................. p.3\n8. Illegal Transactions ................................................................. p.3\n9. Your Liability ........................................................................... p.3\nBilling Information\n10. Monthly Statement ................................................................ p.3\n11. Minimum Payment Due .......................................................... p.4\n12. Fees ........................................................................................ p.4\n13. Promotional Rate Finance Charges ......................................... p.4\n14. Returns, Adjustments, Credit Balances ................................... p.4\nPayment Information\n15. Payments ................................................................................ p.4\n16. Automatic Payment Option .................................................... p.5\n17. Skip Payment Option .............................................................. p.5\nDefault and Collections\n18. Default ................................................................................... p.5\n19. Collection Costs ...................................................................... p.5\nOther Provisions\n20. Change of Name, Address, or Employment ............................ p.5\n21. Updating and Disclosing Financial Information ...................... p.5\n22. Correcting a Credit Report ...................................................... p.5\n23. Closing Your Account .............................................................. p.5\n24. Changing this Agreement ....................................................... p.6\n25. Delay in Enforcement/Waivers ............................................... p.6\n26. Additional Benefits/Card Enhancements ................................ p.6\n27. UChoose Rewards\xc2\xae ................................................................. p.6\n28. Overdraft Protection ............................................................. p.6\n29. Additional Terms of Agreement ............................................. p.6\nYour Billing Rights ........................................................................... p.7\n\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\nOctober 2, 2017\n\n\x0cTHIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH SOUTH CAROLINA FEDERAL CREDIT UNION. PLEASE READ IT\nCAREFULLY AND KEEP IT FOR YOUR RECORDS. IT SUPERSEDES ALL PRIOR AGREEMENTS AND DISCLOSURE STATEMENTS\nRELATING TO YOUR ACCOUNT. YOU DO NOT HAVE TO SIGN THIS AGREEMENT. YOUR AGREEMENT TO ALL OF THESE PROVISIONS,\nAS AMENDED FROM TIME TO TIME INCLUDING THE CARD ISSUED BY US, WILL BE SHOWN BY YOUR APPLICATION FOR THE CARD,\nYOUR ACCEPTANCE OF THE CARD, OR YOUR USE OF THE CARD, WHICHEVER OCCURS FIRST.\nTerms. In this Agreement, the word "Card" means either one or more MasterCard\xc2\xae credit cards or any duplicates, renewals or\nsubstitutions we issue. The words, "you," "your," and "yours" mean all cardholders (borrowers and co-borrowers); anyone any\ncardholder permits to use the Card(s); as well as any authorized user for whom an additional Card(s) is issued to the extent of their\npurchases and cash advances, as well as transactions by anyone they permit to use the Card(s). The word "cardholder" means any\napplicant or co-applicant to whom a Card is issued by us. The words, "Credit Union," "we," "us," "our", and \xe2\x80\x9cSouth Carolina Federal\xe2\x80\x9d\nmean South Carolina Federal Credit Union. The word "Convenience Checks" means one or more checks that we may send to you to\naccess your Credit Card Account.\nPledge of Shares and Security Interest. BY SIGNING AN APPLICATION, ACCEPTANCE OR AUTHORIZED USE OF ANY CREDIT CARDS,\nYOU GRANT AND PLEDGE A CONSENSUAL LIEN TO US ON ALL SHARES TO SECURE PAYMENT OF YOUR OBLIGATIONS ON THIS\nACCOUNT. IN ADDITION, YOU ACKNOWLEDGE OUR STATUTORY LIEN RIGHTS UNDER THE FEDERAL CREDIT UNION ACT; YOU AGREE\nTHAT SUCH A LIEN IS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT IS OPENED; AND YOU AGREE THAT WE CAN APPLY THE\nSHARES PLEDGED AT THE TIME OF ANY DEFAULT ON THIS ACCOUNT WITHOUT FURTHER NOTICE. \xe2\x80\x9cShares\xe2\x80\x9d, for the purpose of\nyour pledge to secure your obligations to the Credit Union, means all deposits in any share savings, share draft, club, certificate,\nP.O.D., revocable trust or custodial account(s), whether jointly or individually held -- regardless of contributions that you have\non deposit now or in the future. Your pledge does not include any I.R.A., Keogh, tax escrow, irrevocable trust or fiduciary\naccount in which you do not have a vested ownership interest.\nSecurity Agreement: \xe2\x80\x9cNon-Purchase-Money Security Interests\xe2\x80\x9d Payments on your Account are secured by any security interest in\nany property securing your other obligations to the Credit Union, whether existing now or in the future, except your household\ngoods and your primary residence. \xe2\x80\x9cPurchase-Money Security Interests\xe2\x80\x9d You hereby grant Credit Union security interest in all\nproperty purchased/acquired by you or any authorized user pursuant to the use of this Account, including a purchase-money\nsecurity interest in any household goods purchased/acquired with an extension of credit upon this Account. These PurchaseMoney Security Interests shall secure faithful performance of all obligations arising under this Agreement; and the Credit Union\nshall have all of the rights of a secured party in accordance with Article Nine of the Uniform Commercial Code and/or other\napplicable law.\n1. Using Your Account. You must sign the Card in order to use it. You can purchase or lease goods and services ("Purchases")\nfrom any merchant who honors your Card up to your maximum credit limit by presenting your Card and signing a sales receipt\nor writing a Convenience Check for the amount of the Purchase. You may also use the Card to obtain Cash Advances up to\nyour maximum credit limit from financial institutions that accept the MasterCard credit card, and by use of preprinted\nConvenience Checks that the Credit Union may issue to you. You authorize us to honor any Purchase or Cash Advance you make\nby telephone, internet or mail on this account. You agree that a signature is not necessary as identification in such cases.\nYou agree not to present your Card, obtain a Cash Advance or write a Convenience Check for any extension of credit in excess of\nyour available Credit Limit (the difference between your outstanding balance and your maximum credit limit) on your account.\nCertain purchases and cash advances require authorization prior to completion of the transaction. In some cases, you may be\nasked to provide identification. If our system is not working, we may not be able to authorize a transaction, even though you\nhave sufficient credit available. Also, for security reasons, we may block the use of your Card in certain countries or geographic\nareas. We will have no liability to you or others if any of these events occur.\n2. ATM Access. If you have received a personal identification number (PIN), you may use your Card and PIN to obtain Cash Advances\nat any ATM that accepts your Card. Your PIN is confidential and should not be disclosed to anyone. You agree not to write your\nPIN on your Card, you will not keep your Card and PIN together, and you will not provide your PIN to anyone who is not an\nauthorized user. Owners of ATMs that we do not own may charge fees in addition to any fees disclosed in this Agreement or\nother Credit Card Disclosures that you receive. Any fees that we charge or that others charge for this service will be added to your\naccount. The party charging the fee is required to provide appropriate disclosures to you with regard to any such fees.\n3. Maximum Credit Limit. Your Maximum Credit Limit will appear on the folder in which you receive your Card and on your monthly\nstatement. The credit limit is based on your creditworthiness and our underwriting standards. At our discretion, we may change\nyour credit limit at any time, and may provide separate limits for purchases and for cash advances. We will notify you if we do,\neither by mail or through your monthly billing statement. You may request a change to your credit limit by contacting the Credit\nUnion by telephone or mail. Your continued use of the card will show your agreement to any such increase. If you object to an\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n1\n\nOctober 2, 2017\n\n\x0cincrease in your credit limit, you must notify the Credit Union in writing. Upon receipt of such notice, your credit limit will be\nreduced to its prior limit; however, you will be responsible to pay any amounts by which you have exceeded the reduced\nlimit. You agree to pay any amounts you owe that exceed your maximum credit balance upon demand. You agree we are not\nobligated to extend to you credit for any amount that would cause your outstanding balance to exceed your Maximum Credit\nLimit, or for any amount if your outstanding balance already exceeds your Maximum Credit Limit. Any increase in your Maximum\nCredit Limit requested by you will require you to make a new application for our approval. In assessing your credit limit under\nthe provisions in this Section (either at our discretion or upon request): (a) we may and you authorize us to review your credit\nhistory, including consumer credit reports; (b) you authorize us to have this review made by third parties to determine whether\nyou meet the criteria we have set for such an increase; and (c) this process shall not be pre-screening under the Fair Credit Reporting\nAct or other applicable laws or regulations based on our existing relationship and this Agreement.\nATM and Over-the-Counter Cash Advance Limits. Advances at authorized ATM\'s are limited to a total of $500.00 during any 24hour period. Over-the Counter cash advances are limited to three per day and based on your credit limit.\n4. Finance Charges. You agree to pay the FINANCE CHARGE on your account. A FINANCE CHARGE computed on a monthly periodic\nrate ("MPR") will begin to accrue for new Purchases, if you do not pay the New Balance in full within 25 days after the billing date of\nthe statement on which the new Purchases first appear according to the Grace Period above. A FINANCE CHARGE computed on a\nmonthly periodic rate ("MPR") will begin to accrue on the transaction date of Cash Advance(s) or Purchases (except as provided\nabove), or the first day of the billing cycle, whichever is later, and will continue to be imposed until you have paid any outstanding\nbalance in full. The Credit Union calculates the FINANCE CHARGE as follows:\na. The FINANCE CHARGE will be figured by applying the monthly periodic rate to the average daily balance of Purchases\nand Cash Advances. Your Annual Percentage Rate (APR) is determined based on your creditworthiness and will be provided to\nyou separately either in writing or electronically at the time your credit card is approved.\nPlatinum Rewards Card\n\nPlatinum Cash Rewards Card\n\nAPR = Prime + Margin\n\nAPR = Prime + Margin\n\nPrime Rate + 5.00%\nPrime Rate + 7.00%\nPrime Rate + 9.00%\nPrime Rate + 14.65%\n\nPrime Rate + 7.00%\nPrime Rate + 9.00%\nPrime Rate + 11.00%\nPrime Rate + 14.65%\n\nRates are variable and subject to change. Maximum APR is 18%. Your ANNUAL PERCENTAGE RATE (APR) will be calculated by\nadding an margin from above to the Prime rate as correctly published in the Wall Street Journal as of the Wednesday\nimmediately preceding the billing cycle. The Credit Union may adjust the rate once each month effective the first day of the\nbilling cycle. APR changes will reflect on the following month\xe2\x80\x99s statement.\nb. To get the total average daily balance on your Account, we take the beginning balance of your Account each day, add any new\nPurchases and Cash Advances, unpaid Finance Charges, current late payment fees, and other fees, and subtract any payments\nor credits. This is your daily balance. Then we add up all the daily balances for the billing cycle and divide that total by the\nnumber of days in the billing cycle. This gives you the average daily balance. This determines the balance subject to the FINANCE\nCHARGE.\n5. Convenience Checks. Any individual cardholder or authorized user can use your Convenience Checks to purchase goods and\nservices or to obtain cash up to the amount of your available credit limit. Credit Union will treat Convenience Checks as Cash\nAdvances and will charge them against your credit limit. Credit Union may decline to honor a Convenience Check if you are over\nyour credit limit, you are in default, your account privileges have been canceled, or your Card has expired. If we decline to\nhonor a Convenience Check, Credit Union may charge you a fee, which the Credit Union will add to your account balance.\nConvenience Checks may be used only by the person whose name is printed on them. You may not use Convenience Checks\nto pay any amount you owe the Credit Union under this or any other credit agreement with the Credit Union. Credit Union will\nnot certify any Convenience Checks, nor will the Credit Union return paid Convenience Checks to you. It is in the Credit Union\'s\nsole discretion to issue Convenience Checks to any member.\nStopping payment of a Convenience Check. You may ask us to stop payment of a convenience check by calling us at (800) 845-0432.\nYou may be charged a stop payment fee/a stop payment fee may be added to your account balance. Your stop payment request will\nbe effective permanently. We will use commercially reasonable efforts to stop payment on your convenience check. However, you\nagree that convenience checks are credit transactions; and that we will not be responsible in any way if the convenience check that\nyou have requested us to stop payment on is cashed or otherwise presented for payment and, using commercially reasonable\nefforts, we are unable to stop payment. You agree that the UCC does not apply to a convenience check\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n2\n\nOctober 2, 2017\n\n\x0c6. Additional Charges for Transactions in a Foreign Currency and \xe2\x80\x9cCross-Border\xe2\x80\x9d Transactions.\nCurrency Conversion Fee: If you effect or authorize a transaction with your access device in a currency other than US Dollars,\nMasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of\neither a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard, as applicable. The exchange\nrate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect\non the date of the purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will\nbe applied to transactions that are converted from foreign currencies to U.S. dollars.\nCross-Border Transaction Fee: In addition, MasterCard charges us a Cross-Border Assessment up to 1% on each transaction\non all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, \xe2\x80\x9ccross-border\ntransaction\xe2\x80\x9d shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States,\nand (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit\nUnion will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these\nterms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency\nConversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.\n7. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor\nyour Card except as set forth in the Special Rules for Credit Card Purchases set forth at the end of this Agreement.\n8. Illegal Transactions. You warrant and agree that your Credit Card, other access device or any related account will not be used to\nmake or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such\nauthorized use, will constitute an event of default under this Agreement. Certain federal and/or state laws or Card Service\nProviders\xe2\x80\x99 Rules may limit or prohibit certain transactions such as (but not limited to) those coded as possible gambling\ntransactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable\n(regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but\nnot limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some\notherwise proper or allowable transactions such as charges incurred at a hotel-casino. You understand and agree such\nlimitations/prohibitions are not within the Credit Union\xe2\x80\x99s control and that the Credit Union will not have any liability,\nresponsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept, process, or\npay any such transaction. You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages\nor adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices.\n9. Your Responsibility and Liability for Unauthorized Use and Lost or Stolen Cards or Convenience Checks. If your Card or\nConvenience Checks are lost or stolen, or if you suspect someone used or may use them without your permission, you must notify\nthe Credit Union at once by calling 1-855-325-0904 or writing Credit Card Services-PO Box 182477-Columbus, OH 43272-4935. If\nnotice is given orally, you will promptly confirm it in writing. The Credit Union may require you to provide us certain information\nin writing to help us investigate any unauthorized use. Further, you agree to cooperate and assist us or any government or law\nenforcement agent or agency in investigating, collecting or pursuing any other rights (civil and criminal) relating to any\nunauthorized use. In this regard, you agree to file an appropriate police report when asked to do so. Do not use the Card or the\nConvenience Checks after you have notified the Credit Union, even if you find them or have them returned to you.\nYou are liable for all transactions that you authorize.\nNo Liability: You will have no liability for unauthorized use of your Card, Convenience Checks or other Access Devices for nonATM transactions made over the MasterCard Network if the following conditions are met: (1) You have not been grossly negligent;\nand (2) You have not committed, participated in or conspired to commit any fraudulent act or scheme involving the use of your\nMasterCard credit card account.\nLimited Liability: For transactions on other networks or ATM transactions, you may be liable for unauthorized transactions using\nyour Card, Convenience Checks or other Access Devices that occur before we are notified. However, your liability for unauthorized\nuse on networks other than MasterCard will not exceed $50.00. In any case, you will not be liable for any unauthorized use after\nnotifying us of the loss, theft or unauthorized use of your Card, Convenience Checks or other Access Devices.\n10. Monthly Statement. We will send you a monthly billing statement whenever there is activity on your account. Your monthly\nstatement will show information concerning your account as required by law. Such information may include but is not limited\nto purchase and cash advance transactions, credit limit, etc. E-Statements: You will be sent a notice via e-mail that will direct\nyou to a site we maintain or cause to be maintained where you may access, review, print and otherwise copy/ download your\nperiodic statements using procedures that we authorize. E-mails from us will be sent to the e-mail address provided by any owner\nto the last known e- mail address provided. You agree to notify us promptly of any change of your e-mail address. If you have not\nnotified us of any change of your e-mail address, you agree that your failure to provide us with a valid e-mail address is the lack\nof ordinary care on your part. If we become aware that you are not receiving e-mail, we may restrict your access to these services\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n3\n\nOctober 2, 2017\n\n\x0cuntil you provide us with the correct e-mail address and you may be converted to paper documents.\n11. Minimum Payment Due. You can pay off your account balance in full each month or you can pay in monthly installments. If you\ndo not pay your balance in full, you agree to pay at least a minimum payment of 2.5% of your New Balance (rounded to the\nnearest whole dollar) or $10.00, whichever is greater at the end of each statement period. If the New Balance shown on your\nperiodic statement is $10.00 or less, you agree to pay this amount. Unless the Credit Union takes other action as a result of a\ndefault under this Agreement, the Minimum Payment Due will also include any amount that is past due and any amount by\nwhich your new balance exceeds your credit limit. Payments and credits will be applied first to pay billed but unpaid finance\ncharges; late charges, and other fees or charges provided for herein; and next to unpaid cash advances; and then to your unpaid\npurchase balance. The "Payment Due Date" will be shown on your periodic statement.\nGrace Period: Grace period for repayment of the balance for purchases is approximately 25 days from the close of the billing cycle.\nSee your statement for billing cycle date.\n12. Fees. In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your\naccount, the fee amounts and explanations are disclosed on the Credit Card Disclosure accompanying this Agreement.\na. Expedited Payment Fee. You may be charged a fee for expedited payments made via telephone to a Credit Union\nRepresentative. Fees are not assessed for payments made by mail, electronic transfer, or telephone authorization through an\nautomated service. Ask us for applicable fee amount.\nb. Late Payment Fee. Credit Union will charge your account a late payment fee for each billing period in which your minimum\npayment is not received within five (5) days of your payment due date. This fee may be added to your account balance, or\ncollected from you on demand.\nc. Returned Payment or Insufficient Funds Fee. Credit Union will charge your account a fee if your payment by any method,\nincluding check, electronic transfer, home banking transaction or otherwise, is not honored, or if we must return it to you\nbecause it cannot be processed for any reason. This fee may be added to your account balance, or collected from you on\ndemand.\nd. Charge for Copies, Research and Card Replacement. If you ask for a copy of any document, such as a sales draft, Convenience\nCheck, or billing statement, a charge may be imposed for the time it takes to research and locate the document. However, no\ncharge will be imposed in connection with any actual or asserted billing error.\n13. Promotional Rate Finance Charges. From time to time and in our sole discretion we may offer a special rate applicable to\ncertain transactions such as particular purchases (as defined by us), balance transfers, or cash advances. Applicable terms and\nconditions will be disclosed at the time any such promotion is offered, and are incorporated into this Agreement by reference.\nThe promotional rate will apply only to the transactions and for the period of time set forth in any such offer from us. Existing\nbalances and new purchases or advances not expressly subject to any such promotion will remain governed by the terms and\nconditions of this Agreement. In addition, the terms and conditions of this Agreement will govern your obligations regarding any\nunpaid balance or transactions that are made subject to any such promotional offer, that are not fully paid within the time period\nset forth in such promotional offer.\n14. Returns, Adjustments, Credit Balances. Merchants and others who honor your Card may give credit for returns or adjustments, and\nthey will do so by sending the Credit Union a credit transaction, which will be posted to your Account. If your credits and payments\nexceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance\namount is $1.00 or more, it will be refunded upon your written request or automatically after six months by transferring the amount\nto your share savings account or mailing a check (only upon request) payable to the order of any cardholder to the statement mailing\naddress.\n15. Payments. You will be jointly and severally liable and agree to pay the Credit Union for all charges (purchases, cash advances,\nfinance charges, and other charges added to your Account under the terms of this or any other agreements with us) extended to\nyou or anyone else using any Card issued for your account, unless the use of such Card is by a person other than you, who does\nnot have actual, implied or apparent authority for such use and from which you receive no benefit. Authority includes, but is\nnot limited to, any authorized users permitting another person to use any Card(s). Further, all users are obligated to us for all\ncharges they make, authorize or permit.\nThe Credit Union can accept late or partial payments as well as payments that are marked with "paid in full" or other restrictive\nendorsements, without losing any of our rights under this Agreement. You must pay the Credit Union in U.S. dollars drawn on\nfunds on deposit in the United States. If you make payment with other currencies or from an institution domiciled outside the\nUnited States, then your payment will not be credited until the funds have been collected by us in U.S. dollars.\nUnless otherwise required by specifically applicable laws, for payments received by mail by 5:00 PM EST, your payment will be\neffective that day; and for payments made in any other manner, including in person, your payment is effective the date received.\nTo protect you and us, the Credit Union, in its sole discretion, may place a temporary freeze on all or part of the credit available\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n4\n\nOctober 2, 2017\n\n\x0cto you for new purchases or cash advances under this agreement any time the Credit Union receives a large payment ($4,800.00\nor more) by any method. In such cases, the Credit Union may freeze your credit line until payment is actually collected or\nverified.\n16. Automatic Payment Option. If you requested the Automatic Payment Option in your Application, all Minimum Payments due\nwill automatically be deducted from your designated account on your Payment Due Date. If your designated account does not\ncontain sufficient funds, no automatic deduction will be made; we will bill you for the Minimum Payment Due; and your account\nwill be charged an insufficient funds fee and you will be responsible for making the payment by some other means.\n17. Skip Payment Option. At our option, we may offer you the opportunity to not make ("skip") a minimum payment during\ncertain designated billing cycles ("skip payment period"). If you do not make your minimum payments as provided in this\nAgreement, during such designated billing cycles, you understand that we will continue to apply finance charges to your account.\nBeginning with the billing cycle following an allowed skip payment period, all other provisions of this Agreement will apply.\n18. Default. You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date; (b) the Credit Union, in\nits sole discretion, feels insecure (For example: Our good faith belief that your ability to pay your account is impaired; use of your\naccount in any manner or in any way that may expose the Credit Union to a risk of loss; etc.); (c) your ability to repay is materially\nreduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving\nyou, by your death, or (for community property state residents only) by a change in marital status or domicile; (d) you exceed your\ncredit limit without our permission; (e) you have made a false or misleading statement to us in your application or otherwise; (f)\nyou are in default under any other agreement with us; (g) if you use or authorize the use of any Card(s) to make or facilitate any\nillegal transaction; or (h) you fail to perform any of your other obligations under the terms of this Agreement as it may be\namended from time to time. Upon default we may close your Account to future purchases and advances and, to the extent not\nprohibited by Governing Law, demand immediate payment of your entire Account balance, after giving you any notice and\nopportunity to cure the default if required by applicable law. The Credit Union\'s sole obligation hereunder with regard to\ndetermining and declaring an event of default is the exercise of "good faith," based on its subjective understanding of\napplicable facts. We shall also have the right to close your account and terminate access privileges where your account is inactive\nfor such periods of time as we may from time-to-time determine to be appropriate for protecting both our and your interests.\n19. Collection Costs. You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or\nprotecting the Credit Union\'s rights under this Agreement, including attorneys\' fees of 20% of the unpaid balance or such\ngreater sum as may be reasonable, and also those costs, expenses and attorneys\' fees incurred in any appellate, bankruptcy\nand post-judgment proceedings, except as limited or prohibited by applicable law.\n20. Change of Name, Address or Employment. You will notify the Credit Union immediately in writing if your name, home address,\nemail address, telephone number, or employment changes.\n21. Updating and Disclosing Financial Information. We may report your performance under this Agreement to consumer reporting\nagencies and secure follow-up consumer reports on you for any legitimate business reason, including if you fail to make your\nminimum payments on time. We can reinvestigate and reevaluate any information you provide on your MasterCard Application\nat any time, and in the course of doing so, we may ask you to provide additional information, request credit bureau reports and/or\notherwise verify your current credit standing.\nAccess to Account Information: You agree that all borrowers and authorized users will have access to information regarding\ntransactions on your account, including but not limited to purchases and cash advances, account balances, account history,\npayments and other information relating to or arising with regard to this account or any transaction.\n22. Correcting the Credit Union\'s Credit Report. If you think the Credit Union reported erroneous information about you to a\nconsumer reporting agency, call the Credit Union at the telephone number listed on your monthly billing statement. Credit\nUnion will promptly investigate the matter, contact each consumer reporting agency whose records may reflect an error and\nrequire them to correct your report if its investigation decides that you were correct. If Credit Union disagrees with you after the\ninvestigation, Credit Union will advise you, in writing or by phone, and instruct you how to submit to those agencies a statement\nof your position that will become a part of your consumer record with them. The instructions will include the name, address,\nand phone number of each such agency, along with other pertinent information.\n23. Closing Your Account. Any individual cardholder without the consent of other cardholders may close your Account at any time\nby notifying us in writing as indicated in this Agreement. Credit Union may close your account or suspend your Card privileges\nor Convenience Checks at any time without prior notice. Credit Union may also reissue a different Card or different checks\nat any time. You must return the Card or the Convenience Checks to the Credit Union upon request. You agree that the\nCard and all Convenience Checks remain the property of Credit Union. Each Card we issue will have an expiration date. Upon\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n5\n\nOctober 2, 2017\n\n\x0cexpiration of your Card your account will automatically terminate; or the Credit Union, in its sole discretion, may extend your\nAgreement and issue a new card with a new expiration date. If your account is closed, expires or your credit privileges are\nterminated or suspended, you will remain responsible for paying all amounts you owe us according to the terms of this\nAgreement. Without limiting the foregoing, the Credit Union has the right to terminate your line of credit and to demand the\nreturn of all cards, access checks and other access devices if the Credit Union, in its sole discretion, feels that it is insecure for\nany reason whatsoever; including but not limited to mismanagement of your account, failing to safeguard any access device,\ncreation of any credit balances by you that may increase the risk of loss or exposure of the Credit Union or failing to cooperate\nwith the Credit Union or others with regard to any claim of unauthorized use or any other defense to payment under applicable\nlaw.\n\n24. Changing This Agreement. The Credit Union may change the terms of this Agreement, including the Annual Percentage\nRate, at any time. Except where limited by applicable law, the new terms, including, but not limited to, increasing the finance\ncharge or the way the Credit Union calculates finance charges, late charges, and the minimum payment due, will apply both to\nnew purchases and cash advances and to the existing outstanding balance of your account as of the day of the change. We\nreserve the right to refuse to honor any request for credit, to reduce your credit limit or terminate your account at any time using\nour sole discretion, based on changes in the economy, the Credit Union\'s financial condition, your creditworthiness or for any\nother reason not prohibited by law. In accordance with applicable law, the Credit Union will notify you of any increased charge or\nchange by writing to you at the most recent address shown for you on the Credit Union\'s records.\n25. Delay in Enforcement/Waivers. The Credit Union may delay or waive enforcement of any of the provisions of this Agreement,\nincluding any agreement to make timely payments, without losing its right to enforce the same provision later or any other\nprovisions of this Agreement. You waive the right to receive notice of any waiver or delay or presentment, demand, protest or\ndishonor. You also waive any applicable statute of limitations to the full extent permitted by law and any right you may otherwise\nhave to require the Credit Union to proceed against any person before suing you to collect.\n26. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account, such\nas travel accident insurance, purchase rewards or rebates at no additional cost to you. You understand that the Credit Union is\nnot obligated to continue or to offer such services and may withdraw or change them at any time. If these benefits are withdrawn\nprior to any accrued use by you, the Credit Union will have no obligation to provide the benefit or enhancement, or any other\ncompensation or consideration.\n27. UChoose Rewards\xc2\xae. For Mastercard Platinum Rewards Cards, UChoose Rewards points may be earned simply by\nenrolling in UChoose Rewards and using your South Carolina Federal MasterCard\xc2\xae credit card. Log on to UChoose Rewards at\nwww.UChooseRewards.com to enroll and learn more about earning points, balance information, and to discover all the options\nfor redemption to include merchandise, travel, gift cards and more. For Mastercard Platinum Cash Rewards Cards, UChoose cash\nrewards will automatically be earned on all net purchases, and cash rewards can be redeemed at www.UChooseRewards.com.\nUChoose Rewards points or cash rewards will not be earned on cash advances or balance transfers.\n\n28. Overdraft Protection. You can choose to link your Credit Card to your Checking account for overdraft protection. To do this, you\nmust notify us to select this option and inform us of the order in which you want your credit card to act as an overdraft source.\nOverdraft advances will be treated as a cash advance as outlined in the Finance Charges section with interest accruing from the date\nof the overdraft advance and will not earn UChoose Rewards points. If you have multiple account owners or authorized signers on\nyour checking account, you will be responsible for all advances, including interest and charges from your credit card to cover\noverdrafts regardless of who initiates the transaction that causes the overdraft. Overdraft advances will transfer funds to your\nchecking account in the amount needed to cover the transaction if your credit card is in good standing and the credit available is\nsufficient. Overdraft advances may occur that cause you to exceed your credit limit. If this occurs, you agree to pay the over limit\namount along with any applicable payment amount.\n29. Additional Terms of Agreement. To the extent not prohibited by applicable law, the terms, interpretation and enforcement of any\nclaim or dispute arising under this Agreement, as well as all parties\xe2\x80\x99 rights and duties, will be governed by South Carolina law\nregardless where you may reside or use your account. Further, this Agreement is the contract which governs all transactions\non your Account even though sales, cash advances, credit or other slips may contain different terms. You may not transfer or\nassign your account or Card to any other person. The Credit Union may assign or transfer this Account, your Account balance, or\nthis Agreement to another person, who will have all of our rights hereunder. This Agreement is binding on your heirs and\nlegal representatives. If there are joint borrowers, a guarantor or authorized users for this credit plan, each of you will have the\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n6\n\nOctober 2, 2017\n\n\x0cright to use the Account to obtain loans pursuant to the terms hereof. Any one applicant, guarantor, or authorized users\nelections, transactions and directions to the Credit Union shall be binding upon all obligors. Each of you will be liable for all\nobligations owing on the Account whether borrowed by you or otherwise and whether within or beyond the credit limit. Further,\neach of you are responsible for all amounts borrowed by any authorized user(s). Authorized users and other users may also be\nrequired to repay the amount owed for charges they make; however, you remain, at all times, primarily responsible for all\namounts owed. All Cards, billing statements and notices will be mailed or delivered to the address given on the application for\neither applicant unless you direct otherwise in writing. If any law or judicial ruling makes any part, provision, sentence or\nsection of this Agreement unenforceable, the remainder will continue in full force and effect. You agree that your account\nwill also be subject to all rules and regulations of MasterCard, as applicable, which are incorporated herein by reference. If there\nis any conflict between this Agreement and the rules and regulations of MasterCard, the rules and regulations of MasterCard,\nwill control, as applicable.\n\nYour Billing Rights\nKeep 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:\nCard Services \xe2\x80\x93 Dispute Center\nP.O. Box 182477\nColumbus, OH 43272-4935\nOr fax your dispute information to 678-375-6096\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify 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.\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 already\ncorrected 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 correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n7\n\nOctober 2, 2017\n\n\x0cname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount even if your bill is 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 good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or 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 an\nadvertisement 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 check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nAll requests to use this right must be submitted in writing to: Card Services-Dispute Center, P.O. Box 182477, Columbus, OH 432724935. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nTo Report a Lost or Stolen Card or Other Access Device\nafter hours, call:\n1-855-325-0904\n571-293-3899 (International)\nTo Close the Account: (SEND WRITTEN NOTICE)\nSouth Carolina Federal Credit Union\nP.O. Box 190012\nNorth Charleston, SC 29412-9012\n843-797-8300\n1-800-845-0432\n\nSouth Carolina Federal Credit Union\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURES\n\n8\n\nOctober 2, 2017\n\n\x0cVariable Rate Credit Card Application Disclosure\n\nThis Disclosure along with your Variable Rate Credit Card Agreement governs your\nVariable Rate Platinum Credit Card.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\npurchases, balance transfers, and\ncash advances\nHow to Avoid Paying Interest on\nPurchases\n\nAPR will be 9.25% to 18.00% based on your credit worthiness.\nThis APR will vary with the market based on Prime Rate.\n\nYour due date is at least 25 days after the close of each billing cycle.\nYou will not be charged interest on purchases if your balance is paid\nin full by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\nFees\nAnnual Fee\nTransaction Fees\nForeign Transaction\nExpedited payment fee\nConvenience check stop payment fee\n\nNone\n\nUp to 2% of the transaction amount\n$11.00\n$35.00\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nUp to $30.00\nUp to $35.00\n\nOther Fees\nAccount research fee\nCopy fee\n\n$22.00/hour\n$5.00/copy\n\nHow We Will Calculate your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases and cash advances).\xe2\x80\x9d\nThe credit union will acquire a security interest in the property purchased with your credit card;\nand collateral securing other loans with us may also secure this account. Also, you are giving us a\nsecurity interest in your shares and other deposits in the credit union.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your Credit Card Agreement.\nBalance transfers may not be used to repay existing South Carolina Federal loan products.\n\nThis information was updated in September 2017, was accurate as of and subject to change after that\ndate. Contact South Carolina Federal at 843-797-8300(Charleston) or 800-845-0432(Nationwide) to\nfind out what may have changed.\n\nSeptember 13, 2017\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA CLASSIC/VISA PLATINUM/STANDARD\nMASTERCARD/VISA PLATINUM - DIRECT MERCHANT\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 Community Choice 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\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa or Mastercard\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit\nestablished by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. 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.\nVisa Classic, Visa Platinum, Standard Mastercard - For each billing period, You must pay at least the Minimum\nPayment Due by the Payment Due Date.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0cThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nVisa Platinum - Direct Merchant - For each billing period, You must pay at least the Minimum Payment Due by the\nPayment Due Date.\nThe Minimum Payment Due is 1.60% 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.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\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 or Mastercard as applicable, from a range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa or\nMastercard as applicable, itself receives or the government-mandated rate in effect for the applicable central processing\ndate. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase\ndate or cardholder statement posting date.\nVisa Classic, Visa Platinum, Visa Platinum - Direct Merchant - A fee (finance charge) will be charged on all\ntransactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted\nto U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\nStandard Mastercard - A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions,\nincluding purchases, cash advances and credits to Your Account. A foreign transaction is any transaction that You\ncomplete or a merchant completes on Your Card outside of the United States, with the exception of U.S. military bases,\nU.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying 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\nPage 2 of 6\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0crequirement 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.\n10. DEFAULT \xe2\x80\x94 You will be in default if You are more than ten (10) days late in making any minimum payment or other\nrequired payment. You will also be in default if You do not comply with the terms of this Agreement and Your failure to\ncomply materially impairs any property You gave as security for this Agreement or Your ability to repay what You owe\nunder this Agreement.\nWhen You are in default and after expiration of any right You have to cure Your default under the applicable state law, the\nCredit Union has the right to demand immediate payment of Your full Account balance. If immediate payment is\ndemanded, You agree to continue paying finance charges at the periodic rate charged before default, until what You owe\nhas been paid, and any shares that were given as security for Your Account may be applied towards what You owe.\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 P. O. Box 1246,\nJohnston, IA, 50131 or call Us at 515-334-8100 or 866-334-8100, Monday through Saturday during regular business\nhours.\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. For Visa Cards, You will have no liability for unauthorized use\nunless You are found to be fraudulent or negligent in the handling of Your Account or Card. For Mastercard Cards, if You\nexercise reasonable care in safeguarding Your Card from risk of loss or theft and, upon discovering the loss or theft\npromptly report the loss or theft to Us, You will not be liable for any unauthorized transactions. In any case, Your liability\nfor unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nPage 3 of 6\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0cclosed, 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.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nIowa.\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.\nPage 4 of 6\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0c30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n01402665-MXC30-P-1-041519 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA CLASSIC/VISA PLATINUM/STANDARD MASTERCARD\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Classic\n\n12.75%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n\n10.25%\nThis APR will vary with the market based on the Prime Rate.\nStandard Mastercard\n\n12.75%\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Classic\n12.75%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n10.25%\nThis APR will vary with the market based on the Prime Rate.\nStandard Mastercard\n12.75%\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\nVisa Classic\n12.75%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n10.25%\nThis APR will vary with the market based on the Prime Rate.\nStandard Mastercard\n12.75%\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01402665-MXC10-C-1-120618 (MXC101-E)\n\n\x0cFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nNone\nUp to $15.00\nUp to $27.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 1, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Classic, Visa Platinum and Standard Mastercard are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$5.00.\nEmergency Card Replacement Fee:\nNone.\nRush Fee:\n$30.00.\nStatement Copy Fee:\n$5.00.\nDesign Your Own Card Fee:\n$10.00 per card.\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01402665-MXC10-C-1-120618 (MXC101-E)\n\n\x0c'