b'Pricing Information Addendum for PNC Bank Consumer Credit Card Agreement # K-10555\nA Note About the Attached Consumer Credit Card Agreement (# K-10555): The attached consumer credit card agreement was the\nstandard agreement used for PNC Bank, National Association consumer credit card accounts as of the last business day of the\npreceding calendar quarter. This agreement may have changed or may no longer be in use after that date. The information in this\nPricing Information Addendum is a summary of all pricing information that was available for new accounts subject to this agreement as\nof the last business day of the preceding calendar quarter. Certain provisions of the attached agreement vary from one consumer to the\nnext to reflect the specific pricing information for a given consumer credit card account.\nSummary of Interest Rate Information: Annual Percentage Rates (\xe2\x80\x9cAPRs\xe2\x80\x9d) below with a (V) vary (increase or decrease) with the\nmarket based on the prime rate (index). The Penalty APR may be applied to the consumer\xe2\x80\x99s account if the consumer makes a late\npayment. If the APRs on an account are increased for this reason, the Penalty APR will apply until the consumer makes six consecutive\nminimum payments by the applicable due date.\nFeature\n\nMargin\n\nDaily Periodic Rate of Interest\n\nCorresponding APR\n\nPurchases and\nBalance Transfers\n\n12.74%\n\n0.04380% (V)\n\n15.99% (V)\n\nCash Advances\n\n12.74%\n\n0.04380% (V)\n\n15.99% (V)\n\nPenalty APR\n\n25.74%\n\n0.07942% (V)\n\n28.99% (V)\n\nMinimum Interest Charge: $1.50\nSummary of Fee Information:\nFee\n\nFee Amount\n\nAnnual Fee\n\n$0 introductory annual fee the first year; $85 each year thereafter\n\nBalance Transfer\n\n3% of the amount of the balance transfer\n\nCash Advance\n\n$5 for each cash advance\n\nForeign Transaction\n\nNone\n\nLate Payment\n\nUp to $35\n\nReturned Payment\n\nUp to $35\n\nPaying Interest (grace period): The due date on an account is at least 21 days after the close of each billing cycle. No interest is\ncharged on new purchases appearing on the consumer\xe2\x80\x99s current statement if the consumer paid in full the \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on the\nconsumer\xe2\x80\x99s previous statement and the payment was received by that due date. We begin charging interest on cash advances and\nbalance transfers on the transaction date.\nBalance Computation Method: The method used to calculate the balances subject to interest on a consumer\xe2\x80\x99s account is called the\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d Here are the details about this calculation method for purchases, balance transfers\nand cash advances:\n\xe2\x80\xa2\n\nHow we calculate the balance on purchases (including balance transfers): (1) We start with the unpaid amount\nof purchases for the current billing cycle, which may include unpaid interest and fees from previous billing cycles. (2)\nEach day we subtract any payments or credits that apply to purchases. We add any new purchases, any new fees\nthat apply to purchases, and any interest on the previous day\xe2\x80\x99s purchase balance if you have not paid in full the New\nBalance on your previous statement by the due date. This gives us the daily balance of purchases. (3) Then we add\nup all the daily balances of purchases for the billing cycle and divide by the total number of days in the billing cycle.\nThis gives us the \xe2\x80\x9caverage daily balance of purchases\xe2\x80\x9d for the current billing cycle. (Although balance transfers are\ncalculated as part of the average daily balances (including new purchases), there is no grace period for balance\ntransfers).\n\n\xe2\x80\xa2\n\nHow we calculate the balance on cash advances: (1) We start with the unpaid amount of cash advances, which\nmay include unpaid interest and fees from previous billing cycles. (2) Each day we subtract any payments or credits\nthat apply to cash advances. Then we add any new cash advances, any new fees that apply to cash advances, and\nany interest on the previous day\xe2\x80\x99s cash advance balance. This gives us the daily balance of new cash advances. (3)\nThen we add up all the daily balances of cash advances for the billing cycle and divide by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance of cash advances.\n\n\x0cK-10555 PNC VISA SIGN PREM TRV CONS GEN AGRMT-20A\n\nPNC Bank Consumer Credit Card Agreement\n\nSpecial Note: Examples in this Agreement are for illustration only and are not contract terms.\n\n1 INTRODUCTION\nThis Agreement governs your Account, which we have opened at your request.\nYou are agreeing to all the terms and conditions of this Agreement when you:\n\xe2\x80\xa2 use the Account or allow anyone else (an authorized user) to use the Account; and/or\n\xe2\x80\xa2 don\xe2\x80\x99t cancel the Account within 10 days after we send or otherwise deliver this Agreement to you.\nYour legal representative, including any attorney-in-fact you may appoint, shall also be subject to the terms and conditions of this\nAgreement.\n1.1 Basic terms defined\nWe, us, PNC Bank and our: PNC Bank, National Association and its successors and assignees\nYou and your: Any person who, verbally or in writing (including electronically), applies or accepts our offer for, or who otherwise\nagrees to be financially responsible with respect to, the Account\nAccount: Your VISA\xc2\xae credit card account with us\nAgreement: This PNC Bank Consumer Credit Card Agreement and the accompanying Interest Rate and Fee Disclosures, as may be\nchanged from time to time, and the terms of any Convenience Checks or special offers we make to you\nCard or Cards: Any credit card(s) we issue to you or an authorized user for accessing your Account\nCard Mailer: A document we provide to you to which your Card(s) is/are attached\nConvenience Check(s): Any convenience check(s) we provide to you for accessing your Account\nDue Date: The date a required payment is due as shown on your Statement. To be considered received by the due date, a payment\nmust be made by that date in accordance with our payment requirements, including in time to be credited to your Account by that date.\nFor information on our payment requirements and when we credit payments, see section 3.4. We also include this information on your\nStatement each month.\nExample\nPat\xe2\x80\x99s current statement shows that his minimum payment is due March 15. Pat makes his payment online using the \xe2\x80\x9cTransfer\nFunds\xe2\x80\x9d section of his PNC Online Banking account on March 15 at 9:00 p.m. eastern time.\nBecause Pat did not make his payment by 5:00 p.m. eastern time (the cut off time for this payment option), he did not make his\npayment by his due date. Assuming he met our other payment requirements, his payment will be credited to his account as of\nMarch 16 and his account will be assessed a late fee.\nInterest Rate and Fee Disclosures: The tables of interest rates and fees provided with this Agreement\nPosting/Crediting: The application of a transaction, such as a payment or purchase, to your Account\nStatement: A document that you receive for a billing cycle that shows your Account activity and any amount due\n\n2 USING YOUR ACCOUNT\nYou may use your Account for the following types of transactions:\n\xe2\x80\xa2 Purchases: You may use your Card to buy goods and services from a participating merchant. The goods and services you buy must\nbe for personal, family and household purposes only.\n\xe2\x80\xa2 Cash advances: You may get cash advances from us or from another participating financial institution by using a Card at an automated\nteller machine (ATM), by issuing a Convenience Check against your Account or by any other means we offer. Cash advances also include\nthe use of your Account to purchase cash equivalent items. Cash equivalent items are items that are similar to cash, including, but not limited\nto, traveler\xe2\x80\x99s checks, wire transfers, money orders, gift cards, virtual currencies and stored value cards. Transactions made at or with a\nfinancial institution (such as the purchase of a CD or funding of a savings account), payments to government entities, payments using a third\nparty service, and lottery, betting or gambling purchases are also cash equivalent items. All cash advances are subject to the cash advance\nAPR and cash advance fee. Cash advances do not earn rewards under reward programs.\n\n\x0c\xe2\x80\xa2 Balance transfers: Information about balance transfers is provided in Section 6.1 of this Agreement.\nYou may not use your Account to buy lottery tickets, place bets or gamble if these transactions are made online. You also may not use your\nAccount for any illegal transactions. You may not use your Account to make payment on other loans or lines of credit you have with us.\nWe may refuse to authorize a transaction if:\n\xe2\x80\xa2 the transaction would cause you to exceed your credit limit or cash advance limit or otherwise cause you to be in default as\ndescribed in section 7.1 of this Agreement;\n\xe2\x80\xa2 you are already in default as described in section 7.1 of this Agreement;\n\xe2\x80\xa2 your right to use the Account has been suspended; or\n\xe2\x80\xa2 your Account has been closed.\nYou must sign your Card before you use it. We are not responsible for anyone refusing to honor a Card or Convenience Check. Except\nas described in the \xe2\x80\x9cYour billing rights\xe2\x80\x9d section of this Agreement or otherwise required by applicable law, we have no liability for any\nclaim you may have arising out of your or an authorized user\xe2\x80\x99s use of the Account, including any claim for a purchase made with a\nCard.\nYou must tell us at once if you change your name, address or employment.\n2.1 Your credit limit\nWe establish a credit limit for your Account. This is the maximum amount of credit we have established for your Account. As part of\nyour total credit limit, you have a separate cash advance limit. Your available credit is the difference between your credit limit and your\ntotal balance and any pending transactions. The amount you have available for cash advances is the difference between your cash\nadvance limit and your total cash advance balance and any pending cash advance transactions.\n\nWhere to find the amount of your credit limit, cash advance limit and available credit.\nYour initial credit limit and cash advance limit are printed on your Card Mailer. Your total credit limit, total available credit and total\navailable for cash advances are shown on your Statement each month. We may also make more current information about your\nAccount, including your Account balance, available at pnc.com/onlinebanking.\nWe may increase or decrease your credit limit or cash advance limit at any time and for any reason.\nIf you exceed your limit\nWe have no obligation to authorize any transaction that would put you over your credit limit or cash advance limit but may do so at our\ndiscretion.\nIf we do authorize a transaction that will put you over your credit limit or cash advance limit, you will still be responsible for paying those\ntransactions. If you receive a Statement showing that you went over your credit limit, you must pay the overlimit amount by the Due\nDate shown on that Statement.\n\n3 BILLING AND PAYMENTS\nYou agree to pay all amounts due on your Account. If you allow anyone to use your Account, you are responsible for all charges made\nby that person, even if the charges are more than you expected or for which you gave permission. If your Account is a joint account,\neach of you is jointly and individually responsible for all amounts due on your account.\n3.1 Your Statement\nAt the end of each billing cycle, we will provide a Statement that covers the billing cycle, to the extent required by applicable law. A\n\xe2\x80\x9cbilling cycle\xe2\x80\x9d means the days covered by a Statement. Typically, a billing cycle will be 30 or 31 days, but can change from month to\nmonth. We tell you on your Statement the number of days in the billing cycle covered by the Statement as well as the Statement period\nend date (closing date) of that billing cycle.\nWe will send only one Statement per billing cycle for your Account even if your Account is a joint account. We will send each Statement\nto the postal address we have on file that we have designated as the \xe2\x80\x9cprimary\xe2\x80\x9d address for your Account. If you have opted for us to\nprovide your Statements electronically, we will not have any obligation to send any Statements to your postal address. We may, at our\n\n\x0cdiscretion, round or truncate any amounts shown on your Statement, subject to any restrictions under applicable law.\n3.2 Your minimum payment\nYou must pay at least the minimum payment each month by the Due Date shown on your Statement.\nIf you pay more than the minimum payment due for one billing cycle, you will still need to pay the full minimum payment due for the next\nbilling cycle. There is no charge or penalty for paying more than the minimum payment.\nHow we calculate your minimum payment\nYour minimum payment will be the greater of:\n\xe2\x80\xa2 Calculation 1\n$25\n+ Any annual fee shown on your statement\n+ Any past due amounts OR\n\xe2\x80\xa2 Calculation 2\n1.0% of the new balance shown on your Statement\n+ The total interest, including any minimum interest charge, shown on your Statement\n+ Any annual fee shown on your Statement\n+ Any cash advance fee shown on your Statement\n+ Any late or return payment fees shown on your Statement\n+ Any past due amounts\nIf your new balance is less than $25, you must pay the new balance in full.\n\nCalculation 1\nFlat amount\nAmount past due\n\nCalculation 2\n.01 x $500 new balance\nTotal interest\nLate fee\nAmount past due\n\n+\n\n$25.00\n$38.00\n\n=\n\n$63.00\n\n+\n+\n+\n\n$5.00\n$10.60\n$25.00\n$38.00\n\n=\n\n$78.60\n\nIf you owe any amount over your credit limit, as previously stated, that amount is also due on the Due Date. Your Statement will show\nboth the minimum payment due and overlimit amount due, if applicable. The total of your minimum payment and your overlimit amount\nwill be shown on your Statement as your total payment due.\nPeriodically, you may receive a credit to your Account, such as when you return a purchase to a merchant or when you redeem a\nreward for a monetary credit to your Account. Credits are not applied to your Account as payments.\n3.3 How to make payments\nWe provide several ways for you to make a payment.\n\xe2\x80\xa2 Online: Sign on to your PNC Online Banking account at pnc.com and click on the \xe2\x80\x9cTransfer Funds\xe2\x80\x9d tab.\n\xe2\x80\xa2 Mail: Send your payment to the P.O. Box on your Statement coupon.\n\xe2\x80\xa2 Phone: Use our automated telephone payment service by calling: 1-877-588-3602;\n\xe2\x80\xa2 provide us with the dollar amount of the payment you wish to make; and\n\xe2\x80\xa2 provide us with information about the checking or savings account (bank and account number) to be charged.\nYour use of the telephone payment service, together with the entry of your PIN, is your authorization for us to initiate a charge (via an\nACH debit or other electronic entry) to the designated checking or savings account in order to make the payment you requested. Once\nyou have completed the authorization, it can only be revoked by contacting:\nPNC Bank\nEquity Monetary/BR-YB-58-01-7\nP.O. Box 5570 Cleveland, OH 44101\nPhone: 1-877-588-3602\nIf our attempt to charge your checking or savings account is unsuccessful because there are insufficient funds in the account you\ndesignate - or for any other reason - we may charge you a returned payment fee in accordance with the terms of this Agreement.\n3.4 Crediting your payments to your Account\n\n\x0cIf you use one of the payment options listed in section 3.3 to make your payment and you comply with the additional payment\nrequirements set out in this section, we will credit your payment as follows:\n\xe2\x80\xa2 Payments received by 5:00 p.m. eastern time for payments received by mail, 6:00 p.m. eastern time for payments made by using our\nautomated telephone payment service or by midnight eastern time for payments made by signing on to your PNC Online Banking\naccount at pnc.com and clicking on \xe2\x80\x9cMake a Payment\xe2\x80\x9d or \xe2\x80\x9cPay Today\xe2\x80\x9d on the account activity screen for your Account will be credited\nthe same day received.\n\xe2\x80\xa2 Payments received after the set time for the payment method will be credited the next day.\nIf you don\xe2\x80\x99t use one of the options listed in section 3.3 and/or don\xe2\x80\x99t comply with the following additional payment requirements, crediting\nof your payment may be delayed up to 5 days or your payment may be rejected.\nAdditional payment requirements: All payments must be in U.S. dollars and drawn on an account at a U.S. financial institution. You\nmay not use a Convenience Check to make a payment on your Account. When sending your payment by mail, you must use the\nenvelope provided with your Statement, make sure our address is showing through the envelope window and include your payment\ncoupon; do not send cash or include paper clips, staples, tape or other correspondence with your payment.\n3.5 How we apply your payments\nApplication of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower\nAPRs before balances with higher APRs. However, any amounts you pay in excess of your minimum payment due will be allocated to\nbalances with higher APRs before balances with lower APRs.\nWhen you make a payment, it may take 7 or more days before the payment amount is available to re-borrow as part of your total\navailable credit.\n\n4 INTEREST CHARGES\n4.1 When interest charges apply\nWe begin to charge interest on your transactions as follows:\n\xe2\x80\xa2 Purchases and cash advances (other than Convenience Checks) and any related transaction fees: On the day you make the\ntransaction.\n\xe2\x80\xa2 Balance transfers and any related transaction fees: On the day the transaction posts to your Account.\n\xe2\x80\xa2 Convenience Checks and any related transaction fees: On the day the Convenience Check posts to your Account.\n\xe2\x80\xa2 All other fees and charges: On the day we post such fee or charge to your Account.\nWe continue to charge interest on these transactions, fees and charges until you pay your balance in full and your payment is credited\nto your Account.\n4.1.1 How to avoid paying interest on new purchases (grace period)\nIf you pay your entire new balance showing on your current Statement by your Due Date, you may avoid paying interest on new purchases\nappearing on your next Statement if you pay those new purchases by the Due Date shown on that next Statement. This is called a grace\nperiod. There is no grace period for cash advances and balance transfers. Please refer to section 6.1 for information on how transferring a\nbalance can impact your grace period on new purchases.\n4.2 Your APRs\nYour Annual Percentage Rates (APRs) are the interest rates that determine how much interest you will pay on your Account for each\nbilling cycle. Any variable APR that applies to your Account equals the value of an \xe2\x80\x9cindex\xe2\x80\x9d plus a margin.\nPlease refer to the Interest Rate and Fee Disclosures for the margins (for any variable APR), daily periodic rates of interest and APRs\nthat apply to your Account. As specified in Section 8.1, we may change your APRs from time to time.\n\nThe index\nThe index used to calculate any variable APRs applicable to your Account and in effect for each billing cycle is the \xe2\x80\x9cPrime Rate\xe2\x80\x9d of\ninterest appearing in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal published on the 20th day of the month preceding the first\nday of that billing cycle or, if The Wall Street Journal is not published on that date, the next day on which such Prime Rate is published.\nIf The Wall Street Journal stops publishing the Prime Rate, we will choose a similar rate to use as the index.\nExample\nMary has a billing cycle that starts on June 25, 2017. Her purchase APR is a variable rate determined by adding her margin of 12.99%\nto the value of the index. To determine the purchase APR that will apply to her billing cycle that starts on June 25, 2017, we first need to\ndetermine the value of the index. We do that by looking at the prime rate listed in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal\non June 20, 2017. On that date, the prime rate listed was 4%. Therefore, Mary\xe2\x80\x99s APR for purchases for her billing cycle starting June\n25, 2017 is 12.99% (her margin) + 4% (the prime rate) = 16.99%.\nAny increase or decrease in the value of the index will result in a corresponding increase or decrease in the periodic rates of interest\nand APRs that apply to your Account as well as the minimum payment amount (unless the minimum payment amount is equal to or\nless than $25) and amount of interest you\xe2\x80\x99ll pay. Any change to your periodic rates of interest and corresponding APRs that is a result\nof a change to the index will be effective as of the first day of the applicable billing cycle. Your APRs for a billing cycle are shown on\nyour Statement for that billing cycle.\nIntroductory or promotional APR\n\n\x0cIf your Account comes with any introductory APRs, information about those introductory APRs is provided in the Interest Rate and Fee\nDisclosures. In addition, we may occasionally make promotional (special rate) offers to you.\nIf we offer you a special rate, we will tell you:\n\xe2\x80\xa2 Rate: The special APR that will apply\n\xe2\x80\xa2 Promotional Period: How long the special rate will apply\n\xe2\x80\xa2 Eligible transactions: The transactions or balances to which the special rate will apply\n\xe2\x80\xa2 Fees: Any fees that apply\nWe will calculate interest on eligible transactions separate from the rest of the transactions on your Account. Your Statement will show\nany balances to which a special rate applies.\nWe may cancel a special rate if you trigger the Penalty APR.\nPenalty APR\nIf we do not receive a minimum payment within 60 days after your Due Date, we may apply the higher Penalty APR to all your balances\nand future transactions. If we do this, we will notify you, as required by applicable law.\nAfter the Penalty APR goes into effect, if you make at least your required minimum payments for six consecutive billing cycles by the\napplicable Due Dates, then, beginning the first day of the next billing cycle after you\xe2\x80\x99ve met these payment requirements, we\xe2\x80\x99ll stop\nusing the Penalty APR and use the APRs that would otherwise apply to your Account.\n4.3 How we calculate interest charges\nWe use the average daily balance (including new transactions) method to calculate the amount of interest on your Account. That means\nwe use the formula below to calculate interest for each different transaction type on your Account. Then we add the interest for each\ntransaction type together to get the total amount of interest that applies to your Account.\nYour Account may have one or more of the following transaction types: purchases, cash advances, protected balances and special\nrate transactions. For purposes of calculating interest, balance transfers are considered non-promotional purchases unless a special\nrate offer applies, in which case they are treated as special rate transactions.\nFormula used to calculate interest on each transaction type\nDaily periodic rate of interest\nx Average daily balance\nx Number of days in billing cycle\n= Interest charges\nTo use this formula, we first have to calculate components of the formula.\nDaily periodic rate of interest\nThe daily periodic rate is the applicable APR divided by 365.\nAPR\n\xc3\xb7 365\n= Daily periodic rate of interest\nBecause you may have a different APR for each transaction type, you may have a different daily periodic rate of interest for each\ntransaction type.\nAverage daily balance\nWe calculate the average daily balance for each transaction type (as previously stated, balance transfers are calculated as part of the\naverage daily balance for purchases, unless they are subject to a special rate offer) as follows:\nEach day, we calculate the daily balance for each transaction type as follows:\nUnpaid amount of transactions (which may include unpaid interest and fees from previous billing cycles)\n\xe2\x80\x93 Any payments or credits applied to those transactions as of that day\n+ Any new transactions, applicable fees, and interest on the previous day\xe2\x80\x99s balance\n= Daily balance\nAt the end of the billing cycle, we calculate the average of these daily balances as follows:\nSum of daily balances for the billing cycle\n\xc3\xb7 Number of days in the billing cycle\n= Average daily balance\n\n\x0cDaily periodic rate of interest\nfor purchases\n=\nAverage daily balance\nDays in billing cycle\n\n15% \xc3\xb7 365\n.04109%\n$400\n30\n\nCalculation of interest charges\nDaily periodic rate\n.04109%\nAverage daily balance\nx $400\nNo. days in billing cycle\nx 30\nInterest charges for purchases\n\n= $4.93\n\nRounding and truncation\nWe may, at our discretion, round or truncate these amounts, subject to any restrictions under applicable law.\nMinimum interest charge\nYou will always be charged at least a minimum amount of interest for a billing cycle, unless there is no interest charge at all for that\nbilling cycle. The amount of your minimum interest charge is shown on your Interest Rate and Fee Disclosures. Any minimum interest\ncharge assessed to your Account will be shown under the \xe2\x80\x9cFees\xe2\x80\x9d section of your Statement.\n\n5 FEES\nThere are certain fees associated with managing your Account. These fees are in addition to any interest charges associated with a\ntransaction.\nIf you are charged a penalty fee for making a late payment or having a payment returned, you must still make any required payment\ndue and owing on your Account.\nTransaction fees are included in the average daily balance for the corresponding transaction type. For example, cash advance fees are\nincluded in the average daily balance for cash advances. Penalty fees, such as the late fee, and service fees, such as the stop payment\nfee, are included in the average daily balance for purchases.\nWe show the amount of each fee that applies to your Account in your Interest Rate and Fee Disclosures. The table below describes\nwhen those fees may be applied to your Account. If a particular fee does not apply to your Account, your Interest Rate and Fee\nDisclosures will show \xe2\x80\x9cnone\xe2\x80\x9d or \xe2\x80\x9c$0\xe2\x80\x9d \xe2\x80\x93 or similar language - for that fee or will not show that fee at all. As specified in Section 8.1, fees on\nyour Account are subject to change.\nFEE\n\nWHEN THIS FEE IS CHARGED\n\nAnnual\nWhen the Account is opened and, after that, once a year.\nBalance transfer When you transfer balances to your Account as explained in Section 6.1.\nCash advance\nWhen you take a cash advance. See Section 2 for a description of\ntransactions that are \xe2\x80\x9ccash advances.\xe2\x80\x9d\nLate payment\nWhen your minimum payment for a billing cycle is not received by the Due\nDate.\nReturned payme If you make a payment on your Account and the payment is returned\nunpaid.\nStop payment\nWhen you ask us to stop payment on a Convenience Check or balance\ntransfer, or when you renew a stop payment order.\nResearch\nWhen you request copies of statements, Convenience Checks or other\nAccount documents. If the document you request must be obtained from\nVisa or MasterCard, you may need to reimburse us for fees they charge us.\n\nRush card\nExpedited\npayment\n\nIf your request is directly related to a disputed item on your Statement, you\nwill not be charged a fee.\nIf we expedite delivery of a replacement Card at your request.\nIf you ask a customer service representative to expedite the crediting of a\npayment to your Account.\n\n\x0c6 ACCOUNT FEATURES AND SERVICES\n6.1 Balance transfers\nWe may permit you to transfer balances you owe to other financial institutions or companies to your Account.\n\xe2\x80\xa2 If you requested a balance transfer when you opened your Account, it may not be processed for up to 13 days after your request to\nallow us time to provide you with legally required disclosures.\n\xe2\x80\xa2 Balance transfers will count against your credit limit, just like any other transaction.\n\xe2\x80\xa2 Balance transfers do not earn rewards under reward programs.\nUnless we tell you otherwise in a special rate offer, interest on balance transfer transactions will be at the APR for balance transfers.\nBalance transfers are not eligible for the grace period.\nKeep in mind that if you transfer a balance using a Convenience Check, that transaction will be treated like any other Convenience\nCheck transaction, so it will be subject to the APR for cash advances and the cash advance fee, unless we tell you otherwise.\nBalances you can transfer\nYou can transfer balances from most non-PNC financial institutions or credit-related companies. The following items do not qualify as\nbalance transfers and will not be processed:\n\xe2\x80\xa2 Requests to transfer a balance from an account at PNC Bank or one of our affiliates\n\xe2\x80\xa2 Requests to transfer cash between individuals\n\xe2\x80\xa2 Recurring payments to the same company or financial institution\nGenerally, you can only transfer balances of at least $200, but we may choose to process a balance transfer for less than that at our\ndiscretion.\nIf you request a balance transfer that would cause your Account to exceed its credit limit, we may do any of the following, at our\ndiscretion:\n\xe2\x80\xa2 Process the entire amount of the requested balance transfer;\n\xe2\x80\xa2 Process only a portion of the amount requested as a balance transfer; or\n\xe2\x80\xa2 Refuse to process any amount of the requested balance transfer.\nYou should not include in any balance transfer recently disputed charges with other creditors. Transferring disputed charges may cause\nyou to give up certain dispute rights you may have.\nWe may deny any balance transfer request for any reason.\nTransferring your balance from another account will not automatically close that account. You will still need to contact the other creditor\nto close that account. You should continue to make at least your minimum payment on the account from which you are\ntransferring a balance until that account is shown by the creditor as paid in full.\nIntroductory or promotional balance transfer offers\nOccasionally, we may offer to let you transfer a balance to your Account at a special rate and/or fee. In our offer, we will tell you if the\nbalance transfer will post to your Account as a purchase, cash advance or other kind of transaction, depending on the specifics of the\noffer. Balance transfers will be shown on your statement as described in the offer.\nHow transferring a balance could impact your grace period on new purchases\nIf you transfer a balance and also make new purchases, you may be assessed interest on new purchases. That is because when you\ntransfer a balance, particularly a balance transfer that is subject to a special rate offer with a low or 0% APR, you typically carry that balance\nfrom month to month. As we stated in Section 4.1.1, you may lose your grace period on new purchases if you carry a balance from month to\nmonth.\n6.2 Foreign transactions\nTransactions with merchants and financial institutions outside the U.S. and its territories are considered \xe2\x80\x9cforeign transactions.\xe2\x80\x9d\nHow we process foreign transactions\nIf you make a foreign transaction, including a return, in a foreign currency, Visa will convert the transaction to, and we will post it to your\nAccount in, U.S. dollars. We will not charge a foreign transaction fee for any foreign transactions. The exchange rate that Visa uses to\nconvert the transaction to U.S. dollars is the rate it has selected from the range of rates available in the wholesale currency markets for\nthe applicable conversion date (which may differ from the rate Visa receives) or the government-mandated rate in effect for the\napplicable conversion date. The conversion rate may differ from other exchange rates for the foreign currency.\n6.3 Optional overdraft protection\nYou can protect your PNC Bank checking account from overdraft fees and returned personal checks by enrolling in overdraft protection.\nThis service is optional, and you must enroll for it to take effect.\nOnce you enroll in overdraft protection, it may take up to 17 days for us to activate the service.\nHow overdraft protection works\nIf you make a transaction in your checking account that would cause it to be overdrawn, we will advance an amount from your Account\nto your checking account to cover the amount that is overdrawn, up to your cash advance limit.\nEach overdraft protection advance must be for a minimum amount, which we will tell you in the overdraft protection terms and\nconditions for your checking account. Any amount over the minimum amount will be rounded up to the next whole dollar.\nWe process advances after the close of business Monday through Friday. Only one advance will be made per day for each checking\naccount.\nFees for overdraft protection\nEach overdraft protection advance will post to your Account as a cash advance, and we will charge your Account the cash advance fee.\nYour checking account may include additional fees for accessing overdraft protection. See the fee schedule for your checking\naccount(s) for specific fee information.\n\n\x0cSuspending or canceling overdraft protection\nWe will automatically cancel overdraft protection if your Account is closed, and we may cancel it if your Account remains open. In\naddition, we may refuse to make an overdraft protection advance for any of the following reasons:\n\xe2\x80\xa2 Your Account is in default;\n\xe2\x80\xa2 Your right to use your Account is closed or suspended;\n\xe2\x80\xa2 The advance would exceed your Account\xe2\x80\x99s cash advance limit; or\n\xe2\x80\xa2 The advance is for a payment to your Account.\nIf we refuse to make an overdraft protection advance, we may, at our discretion, choose whether to pay or refuse any personal checks\nor other transactions to your checking account that would cause it to be overdrawn. In either case, certain checking account fees\nmay apply. See the fee schedule for your checking account(s) for specific fee information.\n6.4 Stop payment orders on Convenience Checks\nWe may permit you to stop payment on a Convenience Check.\nYou (if your Account is a joint account, either of you) may make a stop payment order on a Convenience Check, even if somebody else\nwrote it. We may charge a fee for stop payment orders.\nAfter we receive your stop payment order, it will be effective for six months, unless you notify us in writing to cancel the stop payment\norder sooner.\nHow to place a stop payment order\nTo place a stop payment order, call us at the number shown on your Statement. Please be ready with the following information about\nthe Convenience Check you would like us to stop:\n\xe2\x80\xa2 Account number\n\xe2\x80\xa2 Check number\n\xe2\x80\xa2 Date\n\xe2\x80\xa2 Amount\n\xe2\x80\xa2 Name of party to be paid\n\xe2\x80\xa2 Your name and address\nWe process stop payment orders by computer, so make sure that the information you provide, such as the amount and Convenience\nCheck number, is accurate. Otherwise, we cannot ensure the item you want stopped will not be paid.\nWe must receive your stop payment order with enough time and in a manner so that we can reasonably act on it before we have\nfinalized your payment.\nExtending a stop payment order\nTo extend a stop payment order, you need to write or call us before it expires. If you do not extend the stop payment order, we are\nallowed to pay an item presented to us after the stop payment order has expired.\nIf we inadvertently pay an item that you have a stop payment order on, we may not recredit your Account if you owe money to the\npayee. If we recredit your Account, you will have assigned us your rights against the payee(s), for the item and the underlying claim.\n6.5 Lost or stolen Cards and Convenience Checks\nYou must tell us at once if your Card or Convenience Check is lost or stolen, or if you think someone used your Card or Convenience\nCheck without your permission.\nTo notify us, either write a letter to the address shown on your Statement, or call us at the phone number shown on your Statement.\nUntil you do, you may have to pay up to $50 for the purchases and/or cash advances made by anyone who used the Card without your\npermission. You may also be liable for unauthorized use of Convenience Checks.\n\n7 CLOSING OR SUSPENDING YOUR ACCOUNT\nYou may close your Account at any time and for any reason. If you call us to close your Account, we may require that you confirm your\nrequest in writing.\nWe have the right to suspend or close your Account at any time and for any reason subject to any restrictions under applicable law. We\nmay also cancel our Visa credit card program at any time and for any reason.\nWhether your Account is closed by us, or by you, you must return all Cards and Convenience Checks, including all Cards and\nConvenience Checks you gave to others, if we request you to do so. After your Account is closed, you cannot use it to make new\ntransactions. However, all other provisions of this Agreement will continue to apply, including your obligation to pay the full amount you\nowe us. If you do not pay the full amount you owe under this Agreement, unless prohibited by applicable law, you will be liable for our\ncollection costs, including reasonable expenses for our attorney fees and legal actions.\n7.1 What will cause you to be in default of this Agreement\nYou will be in default if:\n\xe2\x80\xa2 You become insolvent or bankrupt\n\xe2\x80\xa2 You are declared legally incapacitated or die\n\xe2\x80\xa2 You exceed your credit limit or cash advance limit and we have not designated your Account as Visa Signature\n\xe2\x80\xa2 You fail to make any payment due on your Account by the Due Date\n\xe2\x80\xa2 You default on any obligation of yours to us\n\xe2\x80\xa2 You have had an adverse change in your financial circumstances and, in our good faith opinion, will not be able to make payments\ndue or meet any other obligation you have to us\n\xe2\x80\xa2 Your Account becomes inactive\n\xe2\x80\xa2 Your Account is being used for fraud or improper purposes, or we have any reason to believe it is in danger of being used as such\n\n\x0c\xe2\x80\xa2 You are married and reside in a community property state, and we receive a written notice that your spouse is no longer liable on the\nAccount (except where prohibited by law)\n\xe2\x80\xa2 You have made false statements affecting the Account application or maintenance of your Account\n\xe2\x80\xa2 This is a joint Account and one of you notifies us that he or she wants the Account closed or will no longer be liable on your Account\n(except where prohibited by law)\nIf you are in default, we may immediately close your Account and you must immediately pay in full all amounts due on your Account,\nsubject to any restrictions under applicable law.\n7.2 Removing an authorized user\nIf you let someone use your Account (an \xe2\x80\x9cauthorized user\xe2\x80\x9d) and you want to stop that person from using your Account, you must\ndestroy all Cards and Convenience Checks that are in that person\xe2\x80\x99s name or in that person\xe2\x80\x99s possession. If you wish to ensure that the\nauthorized user has no further access to your Account, you must contact us and ask us to remove the authorized user from your\nAccount and to provide you with a new Account number and a new Card or Cards.\n\n8 OTHER TERMS THAT APPLY TO YOUR ACCOUNT\n8.1 Changes to this Agreement\nWe may change this Agreement from time to time and for any reason, except as prohibited by applicable law. We may change fees, the annual\npercentage rates, whether the annual percentage rates are fixed or variable and other items. We will notify you of changes, if required by\napplicable law. Unless otherwise noted, we will send notices to the primary address we have in our records. If you have opted for us to provide\nnotices electronically, we will not have any obligation to send such notices to your postal address.\nIn some cases, you may have the right to reject a change. We will tell you when you have that right and how and by what date and time you\nmust notify us that you reject the change. If you don\xe2\x80\x99t reject a change in the required manner and time period, you will be deemed to have\naccepted the changes in the notice and to have accepted and confirmed all terms of your Agreement.\n8.2 Law that applies to this Agreement\nThe provisions of this Agreement will be governed by (i) federal laws and regulations and (ii) the laws of Delaware to the extent Delaware laws\nare not preempted by federal laws or regulations and without regard to conflict of law principles. If a court decides not to enforce a part of this\nAgreement, this Agreement will then read as if the unenforceable or invalid part were not there. All provisions in this Agreement are subject to\nany restrictions under applicable law.\nFor Maryland residents, only to the extent federal law and the laws of the State of Delaware do not apply, this Agreement is governed by Title\n12, Subtitle 9 of the Maryland Commercial Law Article.\n8.3 No waiver of rights/Oral agreements\nWe will not lose any of our rights under this Agreement or otherwise even if we:\n\xe2\x80\xa2 Delay taking action for any reason;\n\xe2\x80\xa2 Take actions not listed in this Agreement;\n\xe2\x80\xa2 Accept late payments or partial payments; or\n\xe2\x80\xa2 Accept any payment marked with the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar language that is sent to an address other than the address\nprovided in the \xe2\x80\x9cConditional Payments\xe2\x80\x9d section of your Statement.\nIf there is a conflict between this Agreement and something said by an employee or officer of PNC Bank, this Agreement will be followed.\n8.4 Transferring your Account\nWe may transfer your Account and our rights under this Agreement to another person or company. That person or company will take our place\nin this Agreement. You must pay that person or company the amount you owe us on your Account (instead of paying us) if you are asked to do\nso. You may not transfer your Account or your rights under this Agreement to any person or company.\n8.5 Security interest\nThis Agreement does not give us a security interest in any of your property. We have no security interest for the Account, even if other\nagreements we have with you say that we do.\n8.6 Jury trial waiver\nNOTE: If we have determined that you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as that term is defined under the Military Lending Act regulation,\n32 CFR Part 232 (meaning, generally, if you are active military or a dependent of active military at the time your Account is\nopened), the following Jury Trial Waiver provision does not apply to your Account even if, at the time of a later dispute between\nus, you are no longer a covered borrower.\nFor any dispute that is not arbitrated, you and we knowingly, willingly and voluntarily waive any right to a trial by jury in the event\nof a litigation rising from this Agreement.\n8.7 Important information about phone calls, texts, prerecorded and email messages and faxes\nNote: When we use the term \xe2\x80\x9cPNC\xe2\x80\x9c in this Section 8.7, we mean PNC Bank, its affiliates and designees.\nBy providing telephone number(s) to us now or at any later time, you authorize PNC to contact you at those numbers regarding any of your PNC\naccounts. You also consent to PNC using any means to call you at those numbers, including by\n- placing calls using an automated dialing system to a cell, VoIP or other wireless phone number; and\n- sending prerecorded messages or text messages to those numbers in order to service and collect on your PNC accounts, but not to market\nto you even if you may be charged for the calls or text messages\nYou also consent to PNC:\n\n\x0c- monitoring or recording any phone call with you;\n- contacting you by email or any other form of electronic communication and/or by fax in accordance with applicable law; and\n- using third parties to contact you by phone, email, other electronic communication or by fax to the same extent as though PNC were making\nthose contacts itself.\n8.8 Credit reporting\nWe may report information about your Account to credit bureaus. Late payments, missed payments or other defaults on your\nAccount may be reflected in your credit report. If you believe that we have information about you that is inaccurate or that we have\nreported information about you that is inaccurate, please write to us as soon as possible at the Customer Service address that is shown on\nyour monthly Statement. Please be sure to tell us which account, what information you believe is inaccurate, why it is inaccurate, and provide\nany supporting documentation, including a copy of your credit report if you have it. Please include your Account number on your\ncorrespondence.\n8.9 SPECIAL NOTICES \xe2\x80\x93 THE FOLLOWING NOTICES ARE GIVEN BY US ONLY TO THE EXTENT NOT INCONSISTENT WITH 12\nU.S.C. SECTION 85 AND APPLICABLE FEDERAL REGULATIONS AND OPINIONS AND THE CHOICE OF LAW PROVISION SET\nFORTH HEREIN (WITH RESPECT TO WHICH WE EXPRESSLY RESERVE ALL RIGHTS).\n\nIF YOU RESIDE IN MISSOURI: Oral agreements or commitments to loan money, extend credit or\nforbear from enforcing repayment of debt including promises to extend or renew such debt are\nnot enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or\ndisappointment, any agreements we reach covering such matters are contained in this writing,\nwhich is the complete and exclusive statement of the agreement between us, except as we may\nlater agree in writing to modify it.\nIF YOU RESIDE IN OHIO: The Ohio laws against discrimination require that all creditors make credit equally available to all credit\nworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio\nCivil Rights Commission administers compliance with this law.\nIF YOU RESIDE IN TEXAS: THIS WRITTEN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND\nMAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE\nPARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.\n8.10 Verifying your information\nYou agree that, in order to service and maintain your Account, we may obtain information about you, including your employment and income\ninformation, from other creditors, credit reporting agencies, employers and other third parties, including through records maintained by\nfederal and state agencies.\n\n9 ARBITRATION PROVISION\nNOTE: If we have determined that you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as that term is defined under the Military Lending Act regulation,\n32 CFR Part 232 (meaning, generally, if you are active military or a dependent of active military at the time your Account is\nopened), the following arbitration provision does not apply to your Account even if, at the time of a later dispute between us, you\nare no longer a covered borrower.\nREAD THIS ARBITRATION PROVISION CAREFULLY: IT WILL IMPACT HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH\nOTHER ARE RESOLVED.\nUnder the terms of this Arbitration Provision, and except as set forth below, Claims (as defined below) will be resolved by individual (and not\nclass-wide) binding arbitration in accordance with the terms specified herein, if you or we elect it.\n9.1 Your right to Opt Out; Effect of Arbitration\nYOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION. This Arbitration Provision will apply unless you opt out by providing proper\nand timely notice described in section 9.6 under \xe2\x80\x9cRight to Opt Out.\xe2\x80\x9d\nIf a Claim is arbitrated, neither you nor we will have the right to: (1) have a court or jury decide the Claim; (2) engage in information\ngathering (discovery) to the same extent as in court; (3) participate in a class action, private attorney general or other representative\naction in court or in arbitration; or (4) join or consolidate a Claim with those of any other person.\nThis Arbitration Provision will survive the termination of this Agreement. See further details below.\n9.2 Definitions\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs\xe2\x80\x9d and \xe2\x80\x9cOur.\xe2\x80\x9d Solely as used in this Arbitration Provision, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also refer to (1) our employees, officers,\ndirectors, parents, controlling persons, subsidiaries, affiliates, predecessors, acquired entities, successors and assigns; and (2) any failed bank to\nthe extent of the assets acquired by us or our affiliates.\n\xe2\x80\x9cClaim.\xe2\x80\x9d\nA \xe2\x80\x9cClaim\xe2\x80\x9d subject to arbitration is any demand, cause of action, complaint, claim, asserted right, or request for monetary or equitable relief,\nwhether past, present or future, and based upon any legal theory, including contract, tort, consumer protection law, fraud, statute, regulation,\nordinance, or common law, which arises out of or relates to this Agreement, your Account, the events leading up to your becoming an Account\nholder (for example, advertisements or promotions), any feature or service provided in connection with your Account or any transaction\nconducted with us related to your Account.\n\n\x0cNotwithstanding the foregoing, the term \xe2\x80\x9cClaim\xe2\x80\x9d excludes: (a) any dispute or controversy about the validity, enforceability, coverage or scope of\nthis Arbitration Provision or any part thereof, including the Class Action Waiver in section 9.4 (a court will decide such disputes or controversies);\nand (b) any individual action brought by either party in small claims court or your state\xe2\x80\x99s equivalent court, unless such action is transferred,\nremoved or appealed to a different court.\n9.3 Arbitration Procedures\n9.3.1 Agreement to Arbitrate Claims\nExcept if you opt out as provided below, you and we may elect to arbitrate any Claim.\n9.3.2 Electing arbitration\nIf you or we elect to arbitrate a Claim, the party electing arbitration must notify the other party in writing (the \xe2\x80\x9cNotice\xe2\x80\x9d). Your Notice to us shall be\nsent to PNC Bank, N.A., Legal Department, 300 Fifth Avenue, Mailstop: PT-PTWR-19-1, Pittsburgh, PA 15222, Attn: Notice of Arbitration (the\n\xe2\x80\x9cNotice Address\xe2\x80\x9d). Our Notice to you shall be sent to the most recent primary address we have for you in our records. Any arbitration hearing that\nyou attend will take place in a venue in the county where you reside unless you and we agree otherwise. If a party files a lawsuit in court\nasserting a Claim and the other party elects arbitration, such Notice may be asserted in papers filed in the lawsuit (for example, a motion by the\ndefendant to compel arbitration of Claims asserted by the plaintiff in a lawsuit filed in court). In the event that a court grants a motion to compel\narbitration, either party may commence the arbitration proceeding in accordance with the rules and procedures of the arbitration administrator\nspecified in this section.\n9.3.3 Arbitration costs\nWe will pay the filing, administrative and/or arbitrator\xe2\x80\x99s fees (\xe2\x80\x9cArbitration Fees\xe2\x80\x9d) that we are required to pay pursuant to the administrator\xe2\x80\x99s rules\nor the law. In addition, with respect to Arbitration Fees that you are required to pay under the administrator\xe2\x80\x99s rules in connection with an individual\narbitration you have commenced against us, (i) if the amount of your Claim does not exceed $75,000 and we receive a written request by you at\nthe Notice Address, we will pay or reimburse you for your payment of said Arbitration Fees; (ii) if the amount of your Claim exceeds $75,000 and\nwe receive a written request by you at the Notice Address, we will consider paying said Arbitration Fees if you are unable to pay them and\ncannot obtain a waiver or reduction of them from the arbitration administrator.\n9.3.4 Arbitration administrator and rules\nThe party electing arbitration must choose between one of two administrators: (1) the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), or (2) JAMS. The\nadministrator chosen will apply its rules and/or codes of procedures in effect at the time arbitration is elected. You may obtain a copy of the\nrules/codes, and more information about initiating an arbitration, by (1) contacting AAA at 1\xe2\x80\x93800\xe2\x80\x93778\xe2\x80\x937879 or visiting www.adr.org, or (2)\ncontacting JAMS at 1\xe2\x80\x93800\xe2\x80\x93352\xe2\x80\x935267 or visiting www.jamsadr.com. The arbitrator is bound by the terms of this Agreement. If neither AAA nor\nJAMS can serve, the parties may agree on another administrator, or a court may appoint one.\n9.3.5 What law the arbitrator will apply\nThe arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, or by state or local laws that relate to\narbitration proceedings. However, the arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were\npending in court. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent\nwith the Federal Arbitration Act (FAA), that would apply if the matter had been brought in court.\n9.3.6 The arbitrator\xe2\x80\x99s decision and award; attorney fees\nAt the timely request of either party, the arbitrator shall provide a brief written explanation of the grounds for the decision. The arbitrator may\naward any damages or other relief or remedies that would apply under applicable law, as limited in paragraph 9.3.5 above, to an individual action\nbrought in court. In addition, with respect to claims asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and\nexpert fees and costs if and to the extent you prevail, or if applicable law requires us to do so.\n9.3.7 Effect of arbitration award; appeal\nThe arbitrator\xe2\x80\x99s award shall be final and binding on all parties, except for any right of appeal provided by the Federal Arbitration Act. This\nAgreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of\nthis Arbitration Provision.\n9.4 CLASS ACTION WAIVER\nIf either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney\ngeneral action or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join\nor consolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in violation of\nthis provision or to issue any relief that applies to any person or entity other than you and/or us individually. The parties acknowledge\nthat the Class Action Waiver is material and essential to the arbitration of any Claims and is non-severable from this Arbitration\nProvision. If the Class Action Waiver is voided, found unenforceable, or limited with respect to any Claim for which you seek\nclass-wide relief, then the parties\xe2\x80\x99 Arbitration Provision (except for this sentence) shall be null and void with respect to such Claim,\nsubject to the right to appeal the limitation or invalidation of the Class Action Waiver. However, the Arbitration Provision shall remain\nvalid with respect to all other Claims. The parties acknowledge and agree that under no circumstances will a class action be\narbitrated.\n9.5 Conflicts; Severability; Survival\nThis Arbitration Provision is intended to be broadly interpreted. In the event of a conflict between the provisions of this Arbitration Provision and\nthe AAA or JAMS rules, or any other terms of the Agreement, the provisions of this Arbitration Provision shall control. If any part of this Arbitration\nProvision is deemed or found to be unenforceable for any reason, the remainder shall be enforceable, except as provided by the Class Action\nWaiver. This Arbitration Provision shall survive (1) the closing of your Account and the termination of any relationship between us, including the\n\n\x0ctermination of the Agreement, and (2) survive any bankruptcy to the extent consistent with applicable bankruptcy law.\n9.6 RIGHT TO OPT OUT\nYou may opt out of this Arbitration Provision by calling us toll free at 1\xe2\x80\x93800\xe2\x80\x93537\xe2\x80\x937374, or by sending us a written notice which\nincludes your name(s), Account number, and a statement that you (both or all of you, if more than one) do not wish to be governed by\nthe Arbitration Provision in your Account Agreement (the \xe2\x80\x9cOpt Out Notice\xe2\x80\x9d). To be effective, your written Opt Out Notice must be sent\nto us by first class mail or certified mail, return receipt requested, at PNC Bank, P.O. Box 3429, Pittsburgh, PA 15230-3429, Attn:\nArbitration Opt Out.\nWe must receive your telephone call or written notice within forty-five (45) days after we open your Account. Your decision to opt out\nwill not affect any other provision of this Agreement.\n\nYour billing rights: keep this document for future use.\nThis section 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:\nPNC Bank, N.A.\nP.O. Box 3429\nPittsburgh, PA 15230-3429\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your Statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential\nerrors, and you may have to pay the amount in question.\nWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\n\n\x0cPNC Bank, N.A.\nP.O. Box 3429\nPittsburgh, PA 15230-3429\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'\xe2\x98\xb0\nHome\n\nRates & Calculators\n\nCash Back\n\nCredit Card Disclosures\n\nRewards\n\nFirstRate\n\nAspire\n\nAspire\nSecured\n\nAspire\nStudent\n\nSignature\n\nSECU Aspire Visa\xc2\xae Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases, Balance\nTransfers, and Cash Advances\n\n14.99% when you open your account, based on your creditworthiness. After that,\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\n\nMinimum Interest Charge\n\nNone\n\nyour APR will vary with the market based on the Prime Rate.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the\nConsumer Financial Protection website of the Consumer Financial Protection Bureau\nBureau\nat: http://www.consumerfinance.gov/learnmore.\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nVariable APRs Based on Prime: If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will be equal the Prime Rate plus an additional amount. If the\nPrime Rate increases, it will cause the APR to increase. If the Prime Rate decreases it will cause the decreases it will cause the APR to decrease. For each Billing\nPeriod we use the Prime Rate published in the Wall Street Journal 7 days before the statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional\nrate that may apply. If the Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. The maximum APR will not exceed 24%.\nAPR for Purchases, Balance Transfers, and Cash Advances: It equals the prime rate plus 10.74%.\nEffect of APR Increases: If an APR Increases, interest charges increase.\nIn this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who has signed the application for the card. \xe2\x80\x9cCard\xe2\x80\x9d means the SECU Aspire Visa, as the case may be,\nand any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card line of Credit account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean State Employees Credit\nUnion of Maryland, Incorporated (SECU).\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS\nThe following applies to members of the military and their dependents if: (a) at the time you open this Account, you are an active member of the military or you are a\ndependent of an active member of the military (as those terms are defined in the Military Lending Act, 10 U.S.C. 987 and its implementing regulations).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or Account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nTo receive this notice verbally or to receive a description of your payment obligation please call 1-800-879-7328, during our normal business hours.\n2. This Account will not be secured by a consensual lien on shares or deposits in any of your deposit accounts unless you specifically agree to establish a deposit\naccount in connection with this Account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this Account. Any crosscollateralization provision contained in your credit or membership documents will not apply to this Account. However, with regard to this Account, we still reserve our\nstatutory lien rights and any resulting rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums in the Secured\nAccount or any other account(s) you have with us to satisfy your obligations under this Agreement.\nAny contract terms in your credit, security, or membership agreements that contradict the above with regard to this Account are hereby deleted.\n3. This Account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this Credit Agreement and Security Agreement or in\nSECU\xe2\x80\x99s Agreements and Disclosures shall not apply to your Account.\n1. RESPONSIBILITY: If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the card and the card account. For\nexample, you are responsible for charges made by yourself, authorized users you designate, your spouse and minor children. You are also responsible for charges\nmade by anyone else to whom you give the card and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we\nwill close the account for new transactions if you so request in writing and return all cards. Your obligation to pay the account balance continues even though an\n\n\x0cagreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Each of you\nwho has applied for the account and for whom we have opened the account is individually and jointly obligated for all payments due under this agreement. You agree to\nuse the account only for personal, family, household or charitable purposes. You will not use this account for any illegal transactions. Notice to any Account owner is\nconsidered notice to all Account owners.\n2. LOST CARD NOTIFICATION: If you believe your card, convenience checks and/or Personal Identification Number (PIN) has been lost or stolen, you will\nimmediately call us at 410-487-7328 or 1- 800-879-7328. For calling outside the U.S., you may call Visa Global Customer Assistance collect at +1-303-967-1096.\n3. LIABILITY FOR UNAUTHORIZED USE: You understand that you may not be liable to SECU for any card transactions resulting from the loss, theft or other\nunauthorized use of the card that occurs prior to the time you notify SECU in accordance with Federal Law.\n4. CREDIT LINE: If we approve your application, we will establish a self-replenishing line of credit for you and notify you of its amount when we issue the card. You\nagree not to let the account balance exceed this approved credit line. Each payment you make on the account will restore your credit line by the amount of the payment\napplied to the principal. You may request an increase in the amount of your credit line by written application or oral communication to us. It must be approved by our\nloan office. By giving you written notice, we may reduce your credit line from time to time, or with good cause, revoke your card and terminate this agreement. Good\ncause includes your failure to comply with the agreement, your default on any obligation to SECU, including defaulting under other loan or deposit account terms, or our\nadverse reevaluation of your credit worthiness. You may also terminate this agreement at any time, but termination by either of us does not affect your obligation to pay\nthe account balance. The cards remain our property and you must surrender all cards and convenience checks upon our request.\n5. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose\ninformation regarding your account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized in our bylaws.\n6. MONTHLY PAYMENT: We will mail you a statement every month showing your previous balance of purchases and cash advances, the current transactions on your\naccount, the remaining credit available under your credit line, the new balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to\ndate and the minimum payment required. Every month you must pay at least the minimum payment within 25 days of your statement closing date. You may, of course,\npay more frequently, pay more than the minimum payment required or pay the total new balance in full and you will reduce the FINANCE CHARGE by doing so. The\nminimum payment will be either: (a) 2.5% of your total new balance or $20, whichever is greater; or (b) your total new balance if it is less than $20 plus any portion of\nthe minimum payment shown on prior statements that remains unpaid. In addition, at any time your total new balance exceeds your credit line, you must immediately\npay the excess upon our demand. We will apply your payments first to balances with the highest annual percentage rate and any remaining portion to other balances in\ndescending order based on the applicable annual percentage rate. Your payments will be applied to the purchase balance first and then to the cash advance balance if\nthese 2 balances have the same annual percentage rate. However, if you pay by check, the amount of your payment may not be applied to your available credit line for\nsuch period of time as we reasonably determine is necessary to ensure that your check is honored. We may also allow you to skip a payment. If we do, we will notify\nyou in advance of this option. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. You agree to pay us in U.S. dollars\ndrawn on funds on deposit in the United States using a payment check, similar instrument, or automatic debit that will be processed and honored by your financial\ninstitution. We reserve the right to accept payments made in foreign currency. If we do, we will select the currency conversion rate at our discretion.\n7. IRREGULAR PAYMENTS: We reserve the right to accept late payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without any prejudice to our rights\nunder this agreement. If a check is presented for payment before the date you write on the check or the check is not dated, we have the right to process the check for\npayment or return it unpaid. You will hold us harmless for any action in payment or non-payment of the check.\n8. FINANCE CHARGES: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. If you do not pay the total new balance for purchases by the due date, FINANCE CHARGES will be imposed on the unpaid\npurchase balance from the first date of the last billing cycle and on new purchases from the day they are posted to your account. For cash advances and balance\ntransfers, FINANCE CHARGES will begin to accrue from the date of the transaction and continue to accrue until payment in full is credited to your account. We figure\nthe FINANCE CHARGE on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account (including current transactions). The daily period\nrate for your Purchase, Balance Transfer and Cash Advance APR is (APR/365).\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases we take the beginning balance of your account each day, add any new purchases, and subtract any payments or\ncredits, and unpaid finance charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the daily balance for cash advances, new cash advances are added to the day\xe2\x80\x99s beginning\nbalance and payments and credits are subtracted. Fees are not included in the calculation of the average daily balance. FINANCE CHARGES will continue to accrue\non your account until what you owe under this Agreement is paid in full.\n9. LATE CHARGES: In addition to the continued accrual of the FINANCE CHARGE at the daily periodic rate, if you fail to pay at least the minimum payment within 15\ndays after it is due, we may assess a late charge of up to $25 for each delinquent payment.\n10. THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE IMPOSED: These charges will be added to your purchase balance.\na. DISHONORED CHECK \xe2\x80\x93 A fee of up to $15.00 may be imposed if payment is made with a check that is dishonored on the second presentment.\nb. ADDITIONAL CARDS \xe2\x80\x93 We will issue up to four (4) cards at no cost. Rush requests are $25.00 per request.\n11. DEFAULT: You will be in default if you fail to make a minimum payment within 25 days after your monthly statement closing date. You will be in default if you default\non any obligation to SECU, including defaulting under other loan or deposit account terms. You will be in default if you break any promise you made or any security\nagreement made in connection with an advance. You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when\nthey become due. You will be in default if you make any false or misleading statements in any credit application or update of credit information. You will also be in\ndefault if something happens that we believe may substantially reduce your ability to repay what you owe. When you are in default we can demand immediate payment\nof the entire amount you owe without giving you advance notice. You will also be required to pay our collection expenses, including court costs and an additional sum\nequal to 20% of the aggregate of the principal and interest due if your account is referred to an attorney at law or collection agency for collection. You authorize us to\nsubmit payroll deduction requests, when available, from your wages, salary or pension to the State of Maryland or other employer agency for any amounts in default\nwithout additional authorization.\n12. DELAY IN ENFORCEMENT: We can delay enforcing any right under this agreement without losing that right or any other right.\n13. SEVERABILITY: If any provision of this agreement is held invalid, all provisions that are severable from the invalid provision remain in effect.\n14. ACCESSING THE ACCOUNT: To make a purchase or cash advance there are three alternatives. (a.) Present the card to a participating VISA\xc2\xae plan merchant, to\nus or to another financial institution. Then sign the sales or cash advance draft that has been imprinted or swiped with your card information. (b.) Complete the\ntransaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal\nthat provides access to the VISA system. (c.) Issue a convenience check for the payment of goods, services or cash. You will retain the copy of such slips furnished at\nthe time of the transaction to verify the monthly statement. SECU may charge a reasonable fee for photocopies of slips you request.\n15. CARD RENEWAL: Cards are issued with an expiration date. We have the right not to renew your card for any reason.\n16. RETURNS AND ADJUSTMENTS: Merchants and others who honor the card may give credit for returns or adjustments and they will do so by sending us a credit\nwhich we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash\nadvances, or if $1.00 or more, refund it on your written request or automatically after 6 months.\n17. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange\nrate for transactions in foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.\n18. PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan merchant or financial institution to honor your card. We are subject to claims and\ndefenses (other than tort claims) as set forth herein under, \xe2\x80\x9cSpecial Rules for Credit Card Purchases.\xe2\x80\x9d You must resolve any other disputes directly with the plan\nmerchant. We may limit the dollar amount and/or the number of transactions which may be approved in one day. If we detect unusual or suspicious activity on your\naccount, we may temporarily suspend your credit privileges until we can verify the activity. We may approve transactions which cause the balance to exceed your credit\nline without waiving any of our rights to this Agreement.\n19. SECURITY INTEREST: Except for real estate loans, collateral securing other loans with SECU may also be used to secure this VISA account. If you have any other\nloans from SECU, or take out other loans with SECU in the future, collateral securing those other loans will also secure the obligations under this Agreement. However,\nunless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this Agreement even if SECU has or later acquires a\nsecurity interest in the household goods or a mortgage on the dwelling. You have given a Consensual Security Interest incorporated by reference herein, in your SECU\nSavings or Money Manager account, as security for any advances to you or on your behalf on any SECU VISA Credit Card, excepting those accounts that have an\nadverse tax consequence.\n20. CASH ADVANCES: Cash advances can be obtained through an ATM, convenience checks, SECU branches and other financial institutions. Upon your written\ndirection or through SECU\xe2\x80\x99s website, cash advances may be made against your VISA account and applied to any of your SECU share accounts, or other accounts in\nthe same manner as if the cash advances were paid to you. Deposit of the cash advance to any of your SECU accounts obligates you to the repayment of the cash\nadvance per this Agreement.\n21. BALANCE TRANSFER(S): Balance Transfers are treated as a cash advance. Finance charges for balance transfers will begin to accrue from date of the\ntransaction and continue to accrue until payment in full is credited to your account. Total value of transfer request(s) cannot exceed credit line and/or credit availability\nwhichever is less. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from request date for processing of the\nbalance transfer. Continue paying each creditor until the transfer appears as a credit. It will take at least 17 days from account opening to initiate your balance transfer\nrequest. Within this 17 day time period, you may cancel your balance transfer by calling us at 800-879-7328. Do not transfer any disputed purchase or charge because\nyou may lose dispute rights.\n22. EFFECT OF AGREEMENT: This agreement is the contract that applies to all transactions on your account even though the sales, cash advances, credit or other\nslips you sign or receive may contain different terms. We may amend this agreement from time to time by sending you the advance written notice required by Federal\nand State law. Your use of the card after the effective date of the amendment will indicate your agreement to the amendment.\n23. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland,\nCommercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation.\n24. VISA STATEMENTS AND NOTICES: On a regular basis, you will receive a statement showing all transactions for this account during the period covered by the\nstatement. Statements and notices will be mailed to you at the most recent address you have given SECU in writing. Notice to any one of you will be notice to all.\n25. UPDATING INFORMATION: You promise that you will promptly give us written notice if you move, change your name or employment, or if any other information\nyou provide to us changes. You also agree to provide SECU with updated financial information about yourself upon request.\n26. COPY RECEIVED: By signing, using or accepting the SECU VISA card, you acknowledge receipt of this Agreement and agree to terms herein.\n27. STOP PAYMENT: If before a Balance Transfer or Convenience Check drawn on your Account has been honored, you notify us not to pay it, we will stop payment\non the check. You must send us a written and signed stop payment order which states the number, payee, amount, and date of the check on which payment is to be\nstopped. We may disregard any such order six months after our receipt unless you renew it in writing.\n28. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Your notice becomes\n\n\x0ceffective within five days after we receive it. If you cancel your Account, you must pay everything you owe us, including any amounts owed but not yet billed to you if\nyou wish to avoid paying a FINANCE CHARGE on the outstanding balance. If you do not pay us immediately, outstanding balances will continue to accrue FINANCE\nCHARGES and other charges and be subject to the terms and conditions of this Agreement. You also agree to return your card(s) and any unused Transfer and/or\nConvenience Checks to us.\nYOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and responsibilities under the Fair\nCredit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a\ntransaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us at 410-487-7328 (Baltimore Metro Area)\nor (Toll Free) 1-800-879-7328, but doing so will not preserve your rights. In your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item in question.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we\ncannot try to collect any amount you question and we cannot report you as delinquent. We can continue to send statements to you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not\nhave to pay any FINANCE CHARGES related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you have to pay FINANCE CHARGES, and you will have to\nmake up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to\npay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling\nus that you still refuse to pay, we must tell anyone we report you to that you have a question about your account. We must tell you the name of anyone we reported you\nto, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50\nof the questioned amount, even if your statement was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES: If you have a problem with the quality of property or services that you purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.There are two\nlimitations on this right:\na. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and\nb. The purchase must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\nBUSINESS DAYS/HOURS: Business days are Monday through Friday from 8:00 a.m. to 6:00 p.m. and Saturday from 9:00 am to 1:00 pm.\nTYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS: You may use your card to:\na. Pay for purchases at places that agreed to accept the card.\nb. Obtain cash advances from our ATMs or at any ATM displaying the VISA logo in conjunction with your PIN.\nc. Obtain cash advances from any financial institution that has agreed to accept the card. There is no limitation on the frequency of cash withdrawals you may make\nfrom our ATMs except that:\n1. You may not make any cash withdrawals that would result in an outstanding account balance in excess of your credit limit; and\n2. You may only make a total of $1,000 in cash advance withdrawals per day with a minimum of $10.00. The withdrawal limit may change without any prior notice.\nCIRCUMSTANCES IN WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your account\nor transfers that you make:\na. When it is necessary for completing transfers, or\nb. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or\nd. To comply with government agency or court orders, or\nc. If you give us your written permission.\nYOUR RIGHTS TO RECEIVE DOCUMENTATION OF TRANSACTIONS\na. You can get a receipt at the time you make any cash advance using one of our automated teller machines.\nb. You will get a monthly account statement unless there are no transactions in that particular month and your balance is zero.\nc. You may also receive a statement if there is an amendment to terms.\n\nCONNECT WITH US\n\nCONTACT US\n\n+\n\nBANKING\n\n+\n\nABOUT US\n\n+\n\nBUSINESS\n\n+\n\nRESOURCES\n\n+\n\nBORROWING\n\n+\n\nCOMMUNITY\n\n+\n\nRouting\nNumber: 255076753\nPO Box 23896\nBaltimore, MD 21298\n\nEQUAL HOUSING OPPORTUNITY\nFEDERALLY INSURED BY NCUA\n\nYour savings federally insured to at least $250,000 and backed\nby the full faith and credit of the United States Government.\nNational Credit Union Administration, a U.S. Government Agency\n\xc2\xa9 2017 SECU. All Rights Reserved.\n\n\x0c'