b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nDUPACO PLATINUM VISA\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\n\n5.99%\n\nIntroductory APR for 182 days from issuance of the Card.\n\nAfter that, Your APR will be 10.75% .\n\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate.\nIntroductory APR for 182 days from issuance of the Card.\n5.99%\nAfter that, Your APR will be 10.75% .\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n5.99%\n\nIntroductory APR for 182 days from issuance of the Card.\n\nAfter that, Your APR will be 10.75% .\nThis APR will vary with the market based on the Prime Rate.\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.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\n\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $15.00)\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $15.00\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.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first 182 days following issuance of Your Card.\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:\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cFederal 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).\nPlease call us at 1 (844) 476-2446 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 4 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.\nCash Advance Fee (Finance Charge):\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $15.00. If\nYour Account is subject to a Cash Advance Fee (finance charge), the fee will be charged to Your Account when You\nobtain a cash advance from an ATM, the Credit Union or other financial institution.\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 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$11.00 . 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$105.00. 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.\nRush Fee:\n$50.00. 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$11.00 . 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.\nResearch Fee:\n$25.00 per hour. If Your Account is subject to a Research Fee, the fee will be charged to Your Account when You request\nWe conduct research on Your behalf, unless prohibited by law.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Purchase APR is 10.75% which is a daily periodic rate of 0.0295%.\nThe Introductory Balance Transfer APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Balance Transfer APR is 10.75% which is a daily periodic rate of 0.0295%.\nThe Introductory Cash Advance APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Cash Advance APR is 10.75% which is a daily periodic rate of 0.0295%.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The\nANNUAL PERCENTAGE RATE will never be greater than 21.00%. Any increase in the ANNUAL PERCENTAGE RATE\nwill result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may\nincrease the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose\na new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 5.75% above the Index.\nBalance Transfers will be charged at 5.75% above the Index.\nCash Advances will be charged at 5.75% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nDUPACO PLATINUM VISA/DUPACO REWARDS VISA\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 Dupaco Community 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\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 3.00% 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\n01401789-MXC30-P-1-111417 (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\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c10. 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 PO Box 10409, Des\nMoines, IA, 50306-0409 or call Us at (800) 234-5354, 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.\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.\nPage 3 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0cEven 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.\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\n01401789-MXC30-P-1-111417 (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\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nDUPACO PLATINUM VISA\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\n\n5.99%\n\nIntroductory APR for 182 days from issuance of the Card.\n\nAfter that, Your APR will be 10.75% .\n\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate.\n5.99%\nIntroductory APR for 182 days from issuance of the Card.\nAfter that, Your APR will be 10.75% .\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\n5.99%\nIntroductory APR for 182 days from issuance of the Card.\nAfter that, Your APR will be 10.75% .\nThis APR will vary with the market based on the Prime Rate.\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.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\n\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $15.00)\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $15.00\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.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first 182 days following issuance of Your Card.\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:\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cFederal 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).\nPlease call us at 1 (844) 476-2446 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 4 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.\nCash Advance Fee (Finance Charge):\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $15.00. If\nYour Account is subject to a Cash Advance Fee (finance charge), the fee will be charged to Your Account when You\nobtain a cash advance from an ATM, the Credit Union or other financial institution.\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 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$11.00 . 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$105.00. 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.\nRush Fee:\n$50.00. 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$11.00 . 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.\nResearch Fee:\n$25.00 per hour. If Your Account is subject to a Research Fee, the fee will be charged to Your Account when You request\nWe conduct research on Your behalf, unless prohibited by law.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Purchase APR is 10.75% which is a daily periodic rate of 0.0295%.\nThe Introductory Balance Transfer APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Balance Transfer APR is 10.75% which is a daily periodic rate of 0.0295%.\nThe Introductory Cash Advance APR is 5.99% which is a daily periodic rate of 0.0164%.\nThe Cash Advance APR is 10.75% which is a daily periodic rate of 0.0295%.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The\nANNUAL PERCENTAGE RATE will never be greater than 21.00%. Any increase in the ANNUAL PERCENTAGE RATE\nwill result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may\nincrease the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose\na new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 5.75% above the Index.\nBalance Transfers will be charged at 5.75% above the Index.\nCash Advances will be charged at 5.75% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-P-2-050517 (MXC201-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nDUPACO PLATINUM VISA/DUPACO REWARDS VISA\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 Dupaco Community 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\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 3.00% 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\n01401789-MXC30-P-1-111417 (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\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c10. 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 PO Box 10409, Des\nMoines, IA, 50306-0409 or call Us at (800) 234-5354, 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.\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.\nPage 3 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0cEven 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.\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\n01401789-MXC30-P-1-111417 (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\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'September 2015\n\nEmpower Federal Credit\nUnion\xc2\xae Credit Card\nAgreement and Disclosure\nEMPOWER FEDERAL CREDIT UNION\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE SEPTEMBER 2015\nInterest Rates and Interest Charges\n\nVariable Annual Percentage Rate\n(APR)1\nRates apply to Purchases, Balance\nTransfers, and Cash Advances\n\n8.49% to 17.74% Empower Platinum MasterCard\xc2\xae\n8.49% to 17.74% Empower World MasterCard\xc2\xae\n\nThis APR will vary with the market based on the Prime Rate\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 interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on Cash Advances and\nBalance Transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at: http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\t\t\n\nNone\n\nTransaction Fees\nBalance Transfer\t\t\nATM Cash Advance\t\t\nForeign Transaction\t\t\n\nNone\nNone\nNone\n\nPenalty Fees\nLate Payment2\t\tUp to $25.00\nOver the Credit Limit\t\t\nNone\nReturned Payment\t\t\nNone\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions)\xe2\x80\x9d.\nBilling Rights: Details of your rights and our responsibilities can be found in the Billing Rights section of this account agreement\n1) Variable Rate Information: Your APR may vary. Rates are determined and adjusted monthly on the first day of the billing cycle by adding a Margin to the highest Prime Rate published\nin the Wall Street Journal on the last business day of each month. The Margin is determined based on an evaluation of each accountholder\xe2\x80\x99s credit history. The Margin will range from\n5.24% to 14.49%.\n2) Late Payment Information: If you are 10 days late in making a payment, your account will be charged a fee of up to $25.00.\nThis information is accurate as of September 1, 2015 This information may change at any time. To find out what may have changed, write to us at: Empower Federal Credit Union,\n1 Member Way, Syracuse, NY 13212.\n\nDEFINITIONS In this agreement, the word \xe2\x80\x9ccard\xe2\x80\x9d\nor \xe2\x80\x9ccard(s)\xe2\x80\x9d refers to all MasterCard\xc2\xae cards issued\nto you by Empower Federal Credit Union including\nany substitute or renewal card(s) which we have the\nauthority to reissue at any time. The words \xe2\x80\x9cyou\xe2\x80\x9d,\n\xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d refer to each credit card applicant\nand anyone else the applicant permits to use a card.\nThe words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refer\nto EMPOWER FEDERAL CREDIT UNION.\n\naccount number. However, if you do so, you are\nliable for all charges made by those persons. You\nmust notify us in writing to revoke permission for\nany person you previously authorized to use your\naccount. We may choose upon such an occurrence\nto issue you a new card or cards with a different\naccount number. You are responsible according to\nthe terms of this agreement for the use of each card\nissued on your account.\n\nNOTICE TO (YOU) THE MEMBER: Do not use the\ncard before you read this agreement. Please read\nthe Agreement carefully and keep a copy for your\nrecords. It is a summary of terms that control the\nuse of your credit card account. By using your credit\ncard, you agree to all of the terms of this Agreement.\n\nUSE AT AUTOMATED TELLER MACHINES: To\nuse your card at an Automated Teller Machine(s)\n(\xe2\x80\x9cATMs\xe2\x80\x9d), you have been given a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d). You agree that you will not give\nyour card or PIN to anyone who is not authorized\nto use your card. You also agree not to write your\nPIN on the card itself or carry your PIN with your\ncard. Use of the card and the PIN are considered\nas authorized uses. Transactions performed at ATMs\nare considered Cash Advances. Refer to \xe2\x80\x9cFinance\nCharges on Cash Advances\xe2\x80\x9d section of this Agreement for more information.\n\nEFFECT OF AGREEMENT: This agreement is the\ncontract which applies to all transactions on your\nCredit Union MasterCard\xc2\xae account even though the\nsales, cash advances, credits or other slips you sign\nor receive may contain different terms.\nUSING YOUR CARD: You do not have to sign this\nagreement, but you must sign the card in order to\nuse it. By signing and using the card, you agree to\nthe terms and conditions of this agreement.\nCREDIT LIMIT: Your current credit limit and available\ncredit will appear on your monthly billing statement.\nYou may not use your card if you owe us more than\nyour credit limit. If you exceed the credit limit, you\nmust pay this amount immediately. The amount\navailable may be changed by the Credit Union\nwithout prior notice.\nLEGAL RESPONSIBILITY / PROMISE TO PAY: If\nwe issue you a card, you agree to repay all debts\nand the finance charge arising from the use of the\ncard and the card account. For example, you are\nresponsible for charges made by yourself, your\nspouse and minor children. You are also responsible\nfor charges made by anyone else to whom you give\nthis card, and this responsibility continues until the\ncard is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for\nnew transactions if you request us to do so and if\nyou return all cards. Your obligation to pay the account balance continues even though an agreement,\ndivorce decree or other court judgment to which we\nare not a party may direct you to one of the other\npersons responsible to pay the account. Any person\nusing the card is jointly responsible with you for\ncharges he or she makes, but if that person signs the\ncard he or she becomes a party to this agreement\nand is also jointly responsible for all charges on the\naccount, including yours.\nAUTHORIZED USERS: You may request additional\ncards on your account for yourself or others and you\nmay permit another person to have access to your\n\nAUDIO RESPONSE/INTERNET ACCESS: You\nagree by use of a PIN that each member appearing\non your membership account number, regardless\nof whether his or her name appears on your credit\ncard application, is an authorized user with the ability to access your credit card account and request a\ncash advance through audio response and Internet\nBanking. This includes joint member/owners presently on your membership account number and joint\nmembers/owners added in the future. Transactions\nby them using the PIN will be considered authorized\ntransactions for which you and the card user will\nbe liable.\nSECURITY INTEREST:\nIMPORTANT LIEN INFORMATION:\nSecurity Interest Specific for Credit Cards. You\nacknowledge and pledge, specifically as a condition of your use of the credit card, that you have\nvoluntarily granted the Credit Union a security\ninterest in all of your individual and joint share\naccounts at the Credit Union. If your credit card\nloan becomes delinquent, you authorize us to\napply any or all funds on deposit with us to pay\namounts due under this agreement should you\ndefault. This security interest does not apply to\nshares in an Individual Retirement Account (IRA).\nFOREIGN TRANSACTIONS: Purchases and cash\nadvances made in foreign countries and foreign\ncurrencies will be billed to you in US dollars. The\nconversion rate to US dollars will be at 1) A rate\nselected by MasterCard\xc2\xae from the range of rates\navailable in wholesale currency markets for the\napplicable central processing date, which rate may\nvary from the rate MasterCard\xc2\xae itself receives, or\n2) The government-mandated rate in effect for the\n\napplicable central processing date, in each instance,\nplus or minus any adjustment determined by the\nCredit Union.\nMINIMUM PAYMENT: Each month you must pay a\nminimum payment amount. The minimum payment\nis calculated as the sum of the following items (a)\nthrough (c): (a) any scheduled payment from a previous billing cycle which has not been paid (past due);\n(b) 2% of the New Balance as shown on your current\nbilling statement;(c) any amount of the New Balance\nwhich exceeds your credit limit (over limit). NOTE: If\nthe sum of (a) through (b) above is less than $10.00,\na minimum of $10.00 will be due. However, if the\nNew Balance shown on your monthly statement is\nless than $10.00, the entire New Balance will be\ndue. If the minimum payment computed, as above,\nis not an even dollar amount, the minimum payment\ndue may be rounded to the next highest dollar. You\nmay at any time pay more than the minimum amount\ndue. You may pay the new balance in whole or in\npart at any time. We will not charge you a penalty\nfor paying more than the minimum payment. Paying\nahead and skipping a payment will not reduce your\nliability for interest charges in the month that you do\nnot make a payment\nAPPLICATION OF PAYMENTS: We may apply\nall payments and credits in accordance with our\nstandard operating procedures and within the requirements of applicable law.\nAUTOMATIC PAYMENT OPTION: You may elect\nto have your Minimum Payment Due, your total\nNew Balance, or a Fixed Amount paid by automatic\nwithdrawal from either your Regular Share Savings\naccount or your Share Draft Checking account. We\nmay require such election to be in writing. If the Fixed\nAmount Automatic Payment Option is chosen, and it\ndoes not meet the minimum payment due amount, it\nis your responsibility to ensure minimum payment in\nfull, otherwise your loan will be considered in default.\nThe Credit Union will attempt to make the payment\ntransfer at the close of business on the date your\npayment is due. Automatic payments that fall on a\nnon-Business Day may be processed on the Business Day preceding the Payment Date. If the funds\nare not sufficient to pay your payment, the Credit\nUnion may keep trying to make transfers of available\nfunds each day until your entire payment is made;\nhowever, the Credit Union will not waive any rights to\ndeclare your loan in default by attempting to continue\nto make transfers. You may request to be removed\nfrom automatic payment transfer at any time by\ngiving the Credit Union notice of your decision. We\nmay require your notice to be confirmed in writing.\nIRREGULAR PAYMENTS: We may accept late payments, partial payments, or items marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or the like without losing any of our rights\nunder this Agreement.\n\n\x0cFINANCE CHARGES ON PURCHASES: We will\nimpose a FINANCE CHARGE on your credit purchases if you do not pay the total New Balance as\nshown on your statement by the payment due date.\nFINANCE CHARGES ON CASH ADVANCES: We\nwill impose a FINANCE CHARGE on cash advances\nand balance transfers from the date of each cash\nadvance or balance transfer transaction until the day\nwe receive payment in full.\nPAYING INTEREST: Your due date is at least 25\ndays after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay\nyour entire balance by the due date each month. We\nwill begin charging interest on cash advances and\nbalance transfers on the transaction date.\nMONTHLY STATEMENT: If you have a balance on\nyour account at the end of the billing period, we will\nsend you a statement. It will show the balance; any\nfinance charges; fees; the minimum payment due\nand the payment due date. It will also show your\ncurrent credit line; available credit; an itemized list\nof current charges; payments and credits and other\nimportant information. You must notify us of any\nchange in your address so that we can properly\ndirect the mailing of your statement.\nRETURNS AND ADJUSTMENTS: Merchants and\nothers who honor the card may give you credit for\nreturns and adjustments, and they will do so by\nsending us a credit slip which we will post to your\naccount. If your credits and payments exceed what\nyou owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or if it\nis $1.00 or more, refund it upon your written request\nor automatically after three (3) months.\nDOCUMENTARY EVIDENCE CHARGES: If you\nrequest documentary evidence of a transaction on\nyour account (for example, a copy of a sales draft),\nwe may pass along to you our cost of researching\nthis evidence at the current rate as listed in our Fee\nSchedule. No such charge will be imposed unless the\ndocumentary evidence agrees with the transaction\nas previously reflected on your statement. In addition to the research fee, the fee for a copy of a sales\ndraft is the current fee as listed in our Fee Schedule.\nREPLACEMENTCARDS: The fee for replacement\nof card(s) requested outside of normal card reissuance is the current fee as listed in our Fee Schedule.\nLOST OR STOLEN CARDS, ACCOUNT NUMBERS: If a card or account number is lost or\nstolen, you must inform us immediately by calling\n315.477.2200 or 800.462.5000 or by logging on to\nyour online account at www.empowerfcu.com. You\nagree to inform us of the time, place and manner\nof loss or theft and of your name and credit card\naccount number.\nCOMPUTATION OF FINANCE CHARGES: We\ncalculate the FINANCE CHARGE on your account\nas follows: The \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d times the number of days in the billing cycle times the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of your account subject to FINANCE\nCHARGES (including current transactions subject to\nfinance charges). The \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d is calculated by dividing the APR by the number of days in\nthe year. Your APR may vary. Rates are determined\nand adjusted monthly on the first day of the billing\ncycle by adding a Margin to the highest Prime Rate\npublished in the Wall Street Journal on the last business day of each month. The Margin is determined\nbased on an evaluation of each accountholder\xe2\x80\x99s\ncredit history. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d for the\nperiod is determined by taking the beginning balance\nof your account each day, adding any new purchases\nor advances and deducting any payments or credits\nand unpaid FINANCE CHARGES. This gives us the\n\xe2\x80\x9cdaily balance\xe2\x80\x9d. We then add up all the daily balances for the billing period and divide that total by\nthe number of days in the billing period.\nCANCELLATION: You may cancel your account at\nany time by notifying us, in writing, and delivering\nthe card(s) to us. The card(s) at all times remains\nour property, and must be surrendered immediately\nupon our request. Upon cancellation, you remain\nobligated to repay all amounts due under this Agreement. We may reduce your credit limit and cancel\nthe account altogether. Unless you are in default,\nwe will give you notice of any such reduction or\ncancellation. We may also cancel your account by\nnot sending you a renewal card upon expiration at\nany time based upon our lending guidelines. We\nmay also reissue a different card, account number,\nat any time. Regardless of whether your account\nhas been cancelled, no card may be used after the\nexpiration date indicated on the card.\nLIABILITY FOR UNAUTHORIZED USE: If you\nnotice the loss or theft of your credit card or possible\nunauthorized use of your card, you should write to us\nor call us immediately at the address or telephone\nnumber listed on your statement. You will be liable\nfor unauthorized use of your credit card in cases\nwhere you were grossly negligent or fraudulent in\nthe handling of your account or card when your card\nwas used with your PIN. You will not be liable for\nan unauthorized transaction by the use of your card.\nYou will not, in any case, be liable for unauthorized\nuse that occurs after you notify us at the address or\ntelephone number listed on your statement; however,\nyou must identify, for us, the charges on the billing\nstatement that were not made by you, someone\nauthorized by you, and from which you received no\nbenefit. Use which includes use of your PIN or which\nincludes your negligence or fraud are considered by\nus as \xe2\x80\x9cauthorized use\xe2\x80\x9d.\nCREDIT INFORMATION: You authorized us to investigate your credit standing when opening, renewing\nor reviewing your account, and you authorize us to\ndisclose information regarding your account to credit\n\nbureaus and others who inquire of us about your\ncredit standing. In this connection, the Credit Union\nmay request and use a report from outside credit\nreporting agencies at any time. If you request it, we\nwill tell you whether or not we have asked for such\na report, and, if we have, the name and address of\nthe agency or agencies. We may report information\nabout your account to credit bureaus. Late payments,\nmissed payments, or other defaults on your account\nmay be reflected in your credit report.\nDEFAULT AND COLLECTION COSTS: We have\nthe following rights in regard to default accounts:\n(a) Default: You will be in default on this account if:\n(1) you fail to make a required payment on time; (2)\nyou fail to perform any other obligation to us, or any\nrepresentation you make proves to be untrue; (3) you\nbecome the subject of a proceeding in bankruptcy;\n(4) any third party attempts, by legal process, to take\nany money or other property of yours that is in our\npossession; (5) if we reasonably believe you will\nnot be able to repay us for any reason, including\nby way of illustration: any change in employment,\nan increase in your obligations, or if the value of our\nsecurity declines materially; or (6) or you become\nincapacitated or die. (b) Responses to Default:\nUpon default, we may without notice cancel the account and require immediate payment of all or any\npart of the balance due. If a demand for immediate\npayment has been made, the shares and deposits\ngiven us as security for this account can be applied\ntoward your outstanding balance. We may also\nexercise any of our other rights. (c) Collection Fees\nand Costs: If we send your account to a Collection\nService Agency, you agree to pay any and all reasonable collection fees and out-of-pocket costs incurred\nin collecting on the account. Attorneys\xe2\x80\x99 Fees and\nCosts: If we refer your account to an attorney for\ncollection, you agree to pay any and all reasonable\nattorneys\xe2\x80\x99 fees and out of pocket costs incurred in\ncollecting on the account.\nREFUSAL TO HONOR CARD: We are not responsible if we do not approve a purchase or cash\nadvance on your account, or if a third party refuses\nto accept or honor the card, even if you have sufficient credit available. We may limit the number of\npurchases or cash advances which may be approved\nin one day. If we detect unusual or suspicious activity\non your account, we may temporarily suspend your\ncredit privileges until we can verify the activity. We\nmay approve purchases or cash advances which\ncause the balance to exceed your credit limit without\nwaiving any of our rights under this Agreement. We\nmay temporarily suspend your credit privileges for\nsecurity reasons.\nHOW WE MAY CONTACT YOU: You expressly\nagree that to service your account or to collect\nany amounts you may owe the Credit Union, we or\nauthorized parties may call you and send text messages to you. We may use pre-recorded/artificial\nvoice messages or an automatic dialing device to\ncontact you at any telephone number associated with\nyour account, including mobile telephone numbers,\nall of which could result in charges to you. You also\nexpressly consent that we may send e-mail messages regarding your account to your e-mail address.\nSENDING NOTICES: Any statement or notice to\nyou under this Agreement will be sufficiently given\nif sent to your address, on file in connection with this\naccount, or to a new address of which you have notified us in writing at least 20 days before the sending\nof the statement or notice. We may also send you\nnotices electronically to the email address we have\non file for you, if you have so authorized us in accordance with the E-Sign Act.\nINTERNET GAMBLING OR ILLEGAL ACTIVITY\nPROHIBITED: You may not use the card for Internet\ngambling, any illegal transaction, or for a transaction\nthat would cause you to exceed your credit limit. You\nagree to hold us harmless for any damages or other\nliability arising from a transaction initiated by you or\nyour authorized user for the purpose of conducting an\nillegal activity. We may decline to authorize transactions we believe may violate law or pose significant\nrisk to us or our members.\nMAXIMUM RATE: The rate on your card will not\nexceed the maximum rate allowed by applicable law.\nAMENDMENT: The Provisions of this Agreement\nare severable. If any provision of this Agreement is\nheld by a court of law to be invalid or unenforceable,\nthe rest of this Agreement will not be affected. We\nmay delay enforcing our rights under this Agreement\nwithout losing them. We may change the terms of\nthis Agreement at any time in accordance with the\nrequirements of applicable law. If any such change\nis not acceptable to you, you must promptly return\nthe card(s) to us.\nNEW YORK RESIDENTS: New York residents may\ncontact the New York State Banking Department at\n877.226.5697 to obtain a comparative listing of credit\ncard rates, fees and grace periods.\n\nIn your letter, give us the following information:\nAccount information: Your name and account\nnumber. Dollar amount: The dollar amount of the\nsuspected error. Description of problem: If you think\nthere is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your\nstatement. At least three business days before an\nautomated payment is scheduled, if you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing\nor electronically. You may call us, but if you do, we\nare not required to investigate any potential errors\nand you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR\nLETTER\nWhen we receive your letter, we must do two things:\nWithin 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell you\nif we have already corrected the error. Within 90 days\nof 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\nan error:\nWe cannot try to collect the amount in question,\nor report you as delinquent on that amount. The\ncharge in question may remain on your statement,\nand we may continue to charge you interest on that\namount. While you do not have to pay the amount\nin question, you are responsible for the remainder\nof your balance. We can apply any unpaid amount\nagainst your credit limit.\nAfter we finish our investigation, one of two things\nwill happen:\nIf we made a mistake: You will not have to pay the\namount in question or any interest or other fees\nrelated to that amount.\nIf we do not believe there was a mistake: You will\nhave to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you\ndo not pay the amount we think you owe. If you\nreceive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us\nthat you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we\ndo not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question even\nif your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that\nyou have purchased with your credit card and you\nhave tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this\nright, all of the following must be true:\nThe purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50.\n(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed\nto you, or if we own the company that sold you the\ngoods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from\nan ATM or with a check that accesses your credit\ncard account do not qualify. You must not yet have\nfully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or\nelectronically at:\nEmpower Federal Credit Union\n1 Member Way\nSyracuse, NY 13212\nwww.empowerfcu.com\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above.\nAfter we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE\nFOR FUTURE USE:\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR\nSTATEMENT\nIf you think there is an error on your statement,\nwrite to us at:\nEmpower Federal Credit Union\n1 Member Way\nSyracuse, NY 13212\nYou may also contact us on the web at:\n\n315.477.2200\n800.462.5000\nwww.empowerfcu.com\nYour saving federally insured to at least $250,000\nand backed by the full faith and credit of the United States Government\n\nwww.empowerfcu.com\n\nFederally Insured by NCUA\n\n9/15 150K\n\n\x0c'