b"4/14/2016\n\nCredit Card Services\n\nSecured Visa\xc2\xae Card Terms and Conditions\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism\nand money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person\nwho opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other\ninformation that will allow us to identify you. We may ask to see your driver\xe2\x80\x99s license or other identifying documents.\nWe may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its\naffiliates as provided under the Cardmember Agreement and applicable law.\n\nWe apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will\nbe applied in the order of highest to lowest APR balances.\n\nhttps://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=40\n\n1/4\n\n\x0c4/14/2016\n\nCredit Card Services\n\nDisclosure of Credit Card Terms\nInterest Rates and Interest Charges\n\nSecured Visa\xc2\xae Card\n\n21.24%\n\nAnnual Percentage Rate (APR) for\nPurchases\n\nSecured:\n\nAPR for Balance Transfers\n\nSecured: 21.24%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nSecured: 24.24%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nNot applicable\nYour due date is 24 \xc2\xad 30 days after the close of each billing cycle. We will not charge you interest\non purchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $2.\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\n\nSecured Visa\xc2\xae Card\n\nAnnual Fee\n\xe2\x80\xa2 Annual Membership Fee\n\n$35\n\nTransaction Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBalance Transfer\nConvenience Check Cash Advance1\nCash Advance ATM\nCash Advance\nCash Equivalent Advance\nOverdraft Protection2\nForeign Transaction\n\nEither 3% of the amount of each transfer or $5 minimum, whichever is greater.\nEither 3% of the amount of each advance or $5 minimum, whichever is greater.\nEither 4% of the amount of each advance or $10 minimum, whichever is greater.\nEither 4% of the amount of each advance or $10 minimum, whichever is greater.\nEither 4% of the amount of each advance or $20 minimum, whichever is greater.\n\n$10\n2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars\n3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign\nCurrency\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Overlimit\n\nUp to $37\nUp to $35\n\nNone\n\nHow We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See this account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.\nThe information about the costs of the card described in this application is accurate as of 04/2016. This information may have changed after this\ndate. To find out what may have changed, call us at 1\xc2\xad800\xc2\xad558\xc2\xad3424 (We accept relay calls) or write to us at P.O. Box 6354, Fargo, ND 58125\xc2\xad\n6354.\n1Not all\n\nproducts receive Convenience Checks.\n\n2Not all\n\nproducts offer Overdraft Protection. $10 per occurrence.\n\nNotice to New York Residents: You may contact the New York State Department of Financial Services by telephone at (800)342\xc2\xad3736 or visit\nits website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest\xc2\xadfree periods.\nNotice to California Residents: An applicant, if married, may apply for a separate account.\nNotice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the\nWisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an\nopen\xc2\xadend credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse\nprovision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE\nINTEREST OF YOUR MARRIAGE OR FAMILY.\n\nhttps://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=40\n\n2/4\n\n\x0c4/14/2016\n\nCredit Card Services\n\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy\ncustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nIMPORTANT TERMS AND APPLICATION AGREEMENT\nBy submitting this application, you understand and agree that Elan Financial Services (\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour\xe2\x80\x9d), as the creditor and issuer of your\nAccount, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete\nto the best of your knowledge. If we open an Account based on this Application, you will be individually liable (or, for joint Accounts, individually\nand jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended\nfrom time to time. We may request consumer credit reports about you for evaluating this Application and in the future for reviewing Account\ncredit limits, for Account renewal, for servicing and collection purposes and for other legitimate purposes associated with your Account. Upon\nyour request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer\nreporting agency that furnished the report. By providing us with a telephone number for a cellular phone or other wireless device, including a\nnumber that you later convert to a cellular number, you are expressly consenting to receiving communications\xe2\x80\x94including but not limited to\nprerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system\xe2\x80\x94from us and our\naffiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future\nand permits such calls for non\xc2\xadmarketing purposes. Calls and messages may incur access fees from your cellular provider. By submitting this\napplication, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit\nreporting agencies, employers, third parties and through records maintained by federal and state agencies (including state motor vehicle\ndepartments) and waive any rights of confidentiality you may have in that information under applicable law. You agree that, in order to open and\nadminister the Account that may be established as a result of this Application, we and the correspondent financial institution that solicited this\nApplication may share certain information about you and your ongoing Account activity. By submitting this application, you certify that you read\nand understood the disclosures here and you agree to the terms of this Application.\n\nSecured Savings Account Application: I request that you establish a Secured Savings Account (the \xe2\x80\x9cSSA\xe2\x80\x9d\xe2\x80\xa0) for the Primary Applicant in the\namount of the check I have enclosed. I understand that no certificate of deposit, note, or other instrument will be issued to me to evidence the\nSSA and that the SSA will be subject to the rules which will be provided to me. The SSA will be established with U.S. Bank National Association\nupon approval of my credit card application, but I agree my check may be cashed and the funds held in trust for me without interest until the\ncredit decision is made. If my application is not approved, the full amount of the check will be returned to the Primary Applicant at the address\nshown on this application. No withdrawals will be allowed from the SSA until after the Secured Card Account has been closed and repaid in full\nor until we have released our security interest in the SSA.\nITIN Certification: Under penalties of perjury, I certify that (1) the number shown on this application is my correct taxpayer identification number\nand (2) I am not subject to backup withholding because: a) I am exempt from backup withholding, or b) I have not been notified by the Internal\nRevenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or c) the IRS has notified\nme that I am no longer subject to backup withholding and 3) I am a U.S. person (including a U.S. resident alien).\nYou must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have\nfailed to report all interest and dividends on your tax return.\nSecurity Agreement: As a condition to obtaining my Secured Credit Card (the \xe2\x80\x9cSecured Card Account\xe2\x80\x9d), I hereby grant to you a security interest\nin, and assign and transfer to you all rights, title, and interest in my SSA held at U.S. Bank National Association and all interest, additions, and\nproceeds therein to secure the payment and performance of my obligations to you associated with my Secured Card Account and all\nobligations to you under my Secured Card Account Cardmember Agreement. The SSA will be opened in the name of \xe2\x80\x9cElan \xe2\x80\x93\n________________________________________________________\n(Insert applicant\xe2\x80\x99s name)\nSecured Credit Card Collateral Account\xe2\x80\x9d using my Social Security Number provided on this Application. I agree that while this security interest\nis in effect, you will have exclusive dominion and control and you will have the sole right and power to redeem, collect, and withdraw any part or\nthe full amount of the SSA. If I am in default under the terms of my Secured Card Account Cardmember Agreement, I agree that you will have all\nrights the law allows, including the right to take funds from the SSA and apply them to my Credit Card Account balance without my further\nconsent or notice to me.\nBy signing below, I agree to the terms of the Secured Savings Account application, ITIN Certification, and Security Agreement, and I agree that\nall agreements between you and me will be made when accepted or approved by you, and governed by the laws of the State of North Dakota\nand federal law.\nThe Internal Revenue Service does not require the Applicant\xe2\x80\x99s consent to any provision of this document other than the certifications required to\navoid backup withholding.\n\xe2\x80\xa0 FDIC insured\nX____________________________________________________ /____ /________\nSignature of Applicant\nDate\nX ____________________________________________________/____ /________\nSignature of Applicant\nDate\nThe creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International\nIncorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a\nfederally registered service mark of American Express.\n\nhttps://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=40\n\n3/4\n\n\x0c4/14/2016\n\nCredit Card Services\nPrivacy Pledge | \xc2\xa9 2016 Elan Financial Services\n\nColumn: OAD E OPROD1B / oad.016.03_Build_32\n\nhttps://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=40\n\n4/4\n\n\x0c"


b'PARTS IN BOLD FACE MEET TRUTH IN LENDING\nREQUIREMENTS. PLEASE READ THE WHOLE\nAGREEMENT AND KEEP IT FOR YOUR RECORDS.\nYou have applied for a California State Firefighters\xe2\x80\x99 Association (CSFA)\nPlatinum Visa\xc2\xae card offered through SF Fire Credit Union. If issued, the\nextension of a credit card and convenience checks to you under this\nAgreement will be subject to the following terms:\n\nA. USING YOUR VISA\xc2\xae ACCOUNT\n\n1. You consent to the terms of this Agreement by using the card or\nconvenience checks. You continue to be bound for all transactions resulting\nfrom the use of the card or checks until you give us written notice of\ntermination of the account and return the card and/or checks to us.\na. If the Credit Union approves your application, each applicant will\nbe issued a Visa\xc2\xae credit card (and convenience checks if requested),\nand will be able to use the account. Each applicant will also be liable\nto repay the account under the terms of this Agreement. Cosigners\nwho do not have access to the account but are still liable for the loan\nacknowledge receipt of a copy of this loan Agreement as well as the\nseparate \xe2\x80\x9cNotice to Cosigner.\xe2\x80\x9d\nb. You are also obligated to repay any charges resulting from the use of\nthe account by another person with your permission whether or not\nthe person stays within the limits of use set by you.\nc. Any persons who use the account are also obligated to repay the Credit\nUnion for all charges incurred because of their use of the account.\nd. You remain bound to pay for charges made under this Agreement even\nif another person has been directed to pay the debt by an agreement\nor court order to which the Credit Union is not a party; for example, a\ndivorce decree. Any release from the obligation to pay is valid only if\npursuant to a writing signed by an authorized Credit Union employee\nor to a court order in an action to which the Credit Union is a party.\n2. To make a purchase or get a cash advance, present the card or give the card\nnumber and expiration date to a participating Visa\xc2\xae plan merchant, to us, or\nto another financial institution. If you make the transaction in person, you\nwill sign a sales or cash advance draft imprinted with your card number. Keep\nthe drafts to verify your periodic statement. If the transaction is not made\nin person (such as a telephone mail order purchase or an on-line purchase),\nyour only documentation of the charge may be your periodic statement.\n3. Your credit card may also access Visa\xc2\xae designated automated teller\nmachines (ATMs). The use of your credit card for ATM access is subject\nto the additional ATM disclosure terms.\n4. You can also access your Visa\xc2\xae account by writing a convenience check.\nThe use of a convenience check is treated as a cash advance for purposes\nof calculating FINANCE CHARGES. \xe2\x80\x9cNotice to California Residents\xe2\x80\x9d does\nnot apply to use of convenience checks, but special service requests\n(such as stop payment requests) will be subject to the same fees we\ncharge for these services on checking accounts. Please refer to our\ncurrent Fee Schedule. In handling convenience checks, your and our\nrespective rights and responsibilities are as explained in the checking\naccount terms in your General Disclosure & Account Agreement. A\nmerchant or other payee may convert a Visa\xc2\xae check to an electronic\ncheck; refer to the Electronic Fund Transfer Disclosure included in your\nMember Account Handbook for terms governing electronic checks.\n5. NOTICE OF PROHIBITION ON USE FOR ILLEGAL TRANSACTIONS\nVisa\xc2\xae Cardholders may not use or permit others to use their credit cards\nfor illegal transactions, such as illegal online gambling. We have the\nright, but not the obligation, to refuse a requested transaction if we\nreasonably believe the transaction is illegal. If unauthorized use is\nmade of your card for a transaction, the actual or alleged illegality\nof the transaction will not be a defense to your obligation to pay the\nresulting charge. Responsibility for determining whether transactions\nare legal rest with the Cardholder, not the Credit Union.\n6. Overdraft Protection Advances. If you designate your Visa\xc2\xae account as\nan overdraft protection source in writing, the following applies: You\nmay request a loan advance on your Visa\xc2\xae account by writing a check/\nshare draft any time there are not sufficient funds in your check/share\ndraft account. If you request a Debit Card or Online Banking or Online\nBill Payment, you can also request a loan advance by using those\nservices to make payments out of your Credit Union checking/share\ndraft account when there are insufficient funds in that account. Any\noverdraft of your checking/share draft account, up to your unused\ncredit limit on your Visa account, will be added to your loan balance\nunder this Agreement if and when the Credit Union pays the share\ndraft or other transaction. The Credit Union has the right to refuse\noverdraft loan advances but will promptly notify you in writing of\nthe reasons for refusal. Overdraft protection advances will not be\n\nmade if your Credit Union membership is not in good standing or if\nyou do not have available credit. All overdraft loan advances will be\nin amounts sufficient to cover the overdrafts and any applicable fees\nand charges assessed against your share or share draft accounts \xe2\x80\x93 see\nthe Fee Schedule. Overdraft protection advances are treated as cash\nadvances in calculating FINANCE CHARGES for your Visa\xc2\xae account. You\ncannot obtain an overdraft protection advance to make Credit Union\nloan payments. Doing so is considered a misuse of your checking/\nshare draft and credit privileges and may result in our revoking your\ncredit privileges, your checking/share draft privileges or both.\n7. Honoring the card. We will not be responsible for the refusal of any\nmerchant or financial institution to honor your card.\n\nB. CREDIT LIMIT\n\nThe Credit Union has the sole discretion to set your credit limit,\napplying Credit Union loan policies to the evaluation of your creditworthiness and ability to pay. The Credit Union can review your Visa\xc2\xae\naccount from time to time. Credit Union review may include checking\nyour credit with third parties such as credit reporting agencies. You\nmust provide any current information the Credit Union requests. We\nmay adjust your credit limit or close your credit card account at any\ntime based on a number of factors including our current loan policies\nand our evaluation of your credit worthiness and ability to repay. The\nCredit Union can increase your rate, increase or decrease your credit\nlimit or terminate your Visa account based on Credit Union review.\nThe Credit Union will give you the notice required by law if changes\nare made that adversely affect you. You can request an increase to\nyour credit limit at any time by submitting an oral or written request,\nbut the Credit Union has sole discretion as to whether to approve\nyour request. All cards issued or re-issued are subject to approval.\nA Visa \xc2\xae account that has been inactive for six months may not be\nautomatically renewed.\n\nC. REPAYMENT TERMS\n\n1. You promise to pay to the Credit Union at the address designated on your\nstatement all sums advanced to you under this Agreement at any time plus\na FINANCE CHARGE. Interest FINANCE CHARGES on your credit card account\nare calculated by applying an ANNUAL PERCENTAGE RATE to the balance\noutstanding on your account. The rate for VARIABLE rate accounts is\ndetermined at the beginning of each billing cycle by adding a margin\n(between 4.00% and 10.00% based on the creditworthiness assigned to\nyour account) to the Index. The Index is the highest Prime Rate currently\npublished in the Wall Street Journal, Western Edition, on the 1st day of\nthe month (or the next business day if the 1st is not a business day). Your\nVARIABLE rate Index may change quarterly (January, April, July, October).\nBefore you become obligated, the Credit Union will disclose to you\nthe margin that is assigned to a VARIABLE account, and the current\nANNUAL PERCENTAGE RATE and corresponding Monthly Periodic Rate.\nThe margin assigned to a VARIABLE account may depend on a number\nof factors including our current loan policies and our evaluation of your\ncreditworthiness and ability to pay.\n2. We arrive at the FINANCE CHARGE by multiplying the monthly Periodic\nRate by the average daily balance. We calculate the average daily balance\nby adding purchases and cash advances to any previous balance and\nsubtracting any payments received or other credits each day. Unpaid\nFINANCE CHARGES are excluded from the calculation. That gives us the daily\nprincipal balances. The daily principal balances are added together and\ndivided by the number of days in the billing cycle to arrive at the average\ndaily balance.\n2.1The FINANCE CHARGE on purchases will be charged for each month the\noutstanding balance is not paid within the grace period, at least 25 days\nafter the statement date. The statement closing date is the 15th of each\nmonth and the payment due date is the 15th of each month. Therefore, the\nnumber of days between your statement closing date and your payment\ndue date (the grace period) may vary from one billing cycle to another, but\nwill never be less than 25 days.\n2.2 In order to avoid a FINANCE CHARGE on purchases made since your last\nstatement date, you must pay the Total New Balance by the Payment\nDue Date shown on your statement. Otherwise the FINANCE CHARGE on\npurchases is calculated from the beginning of the next statement period\non previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account.\n3. The FINANCE CHARGE on cash advances runs from the date of each\ntransaction. There is no grace period. Cash advances include all Visa\xc2\xae\nconvenience check transactions (whether used to obtain cash or to pay for\ngoods or services), use of the card to obtain cash via a signature (over-thecounter) transaction or ATM, overdraft protection advances, and Online\nBanking advances.\n4. If you paid your previous billing cycle\xe2\x80\x99s balance in full on or before the\n\ndue date (or had no outstanding balance), FINANCE CHARGES on current\npurchases will begin to accrue only if you still have a purchase balance\noutstanding at the end of the current cycle\xe2\x80\x99s grace period. If you had a\npurchase balance outstanding after the previous cycle\xe2\x80\x99s due date, FINANCE\nCHARGES will begin to accrue from the date new purchases post to your\naccount, and will continue to accrue on any purchase outstanding from\nprior billing cycles. Once FINANCE CHARGES begin to accrue, they continue\nto accrue until the balances are repaid. Paying part of a balance due will not\nstop the accrual of FINANCE CHARGES on balances that remain outstanding.\n5. Your payments will be applied to the components of your account in\nthe following general order: 1) charges, such as late payment charges 2)\nFINANCE CHARGE(S) 3) previously billed balance transfers 4) previously\nbilled cash advances 5) previously billed non-cash transactions 6) new\nbalance transfers 7) new cash advances 8) new non-cash transactions\n9) disputed amounts. In all cases, after the payment of late charges and\nFINANCE CHARGES, payments will be applied to the highest interest rate\nbalance first.\n6. \x07The minimum required monthly payment is $20 or 3% of the outstanding\nbalance rounded up to the next dollar, whichever is greater, plus any past\ndue amounts and/or amounts by which your outstanding balance exceeds\nyour credit limit. It increases as the unpaid balance increases, as stated\nin your monthly statement. If the balance is less than $20, the minimum\nmonthly payment will equal the balance amount.\n7. The Credit Union will send you monthly statements of your Visa\xc2\xae account\nwhich will advise you of the status of your account and any other\ninformation required by law.\n8. If your outstanding balance exceeds your authorized credit limit at any\ntime for any reason, you must, upon your receipt of our written demand,\nimmediately make a lump sum payment to reduce your balance to an\namount within your credit limit.\n9. The balance owed by you, including accrued FINANCE CHARGE on the\nunpaid balance, may be repaid in full at any time without prepayment\npenalty.\n10. \x07The Credit Union can assess FINANCE CHARGES on cash advances from\nthe day they post to your Visa\xc2\xae account. Cash advances include all Visa\xc2\xae\nCheck transactions (whether used to obtain cash or to pay for goods\nor services), use of the card to obtain cash via a signature (over-thecounter) transaction or ATM, Overdraft Protection advances or Online\nBanking advances.\n11. Penalty APR: The Penalty APR may be applicable to your account if you:\n\xe2\x80\xa2 Fail to make any minimum payment within 60 days after the due date\nfor that payment;\n\xe2\x80\xa2 Make a payment to us that is returned unpaid; or\n\xe2\x80\xa2 Do any of the above on another account or loan you have with us.\nBefore we apply the Penalty APR on any type of transaction balance,\nwe will provide you any notice required by law in advance that tells\nyou which future transactions and/or outstanding balances are\nsubject to the Penalty APR and when the APRs will increase. If we do\nnot increase your APRs to the Penalty APR when any of these events\noccur, we reserve the right to increase your APRs to the Penalty APR\nif any of these events occur in the future.\nIf your APRs are increased on any type of transaction for any of the\nreasons above, the Penalty APR will be applicable indefinitely to future\ntransactions of that type that occur more than 14 days after we provide\nyou notice about the APR increase.\nIf we do not receive any minimum payment within 60 days of the date and\ntime due, the Penalty APR will be applicable to all outstanding balances\nand future transactions on your account. However, if we receive six\nconsecutive minimum payments by the date and time due beginning\nwith the first payment due after the effective date of the increase, we\nwill stop applying the Penalty APR to transactions that occurred prior to\nor within 14 days after we provided you notice about the APR increase.\nFor balances that we stop applying the Penalty APR to, we will apply APRs\nthat would have applied at that date if the Penalty APR had never been\napplicable.\n12. Closed Accounts: If you close your credit card account with the Credit\nUnion we may adjust your repayment of the outstanding balance using\none of the following methods:\n\xe2\x80\xa2 The existing method of repayment for the account as of the close\ndate; or\n\xe2\x80\xa2 A repayment amortization period of not less than five years,\nbeginning no earlier than the close date.\n\nD. OTHER CHARGES\n\n1. If your minimum monthly payment is not paid within 15 days after the\npayment due date, you will be charged a late fee of $15.00.\n2. Payment of your Visa\xc2\xae account with a check returned NSF (not sufficient\nfunds) or by other dishonored funds transfer will result in a $10.00 charge.\n3. International Transactions. Purchases and cash advances initiated in\n\nforeign countries or foreign currencies will be billed in U.S. Dollars. The\nexchange rate on international transactions between the transaction\ncurrency and the billing currency is a rate selected by Visa\xc2\xae from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa\xc2\xae itself receives, or\nthe government mandated rate in effect for the applicable processing date.\n\nE. CHANGES IN TERMS\n\nWe may change the terms of this Agreement, including the Annual\nPercentage Rate, by giving you written notice 45 days prior to the\neffective date of change. \xe2\x80\x9cChange\xe2\x80\x9d can mean adding a new term,\nchanging an existing term, or deleting an old term. If you do not want\nthe changes to apply to your account, you have the option of cutting all\nyour cards (and convenience checks if applicable) in half and sending the\npieces back to us with a written request that your account be canceled. If\nyou do that, you must pay off your account but under the old terms and\nunder the old interest rate. If you keep your card, the new terms and new\ninterest rate (if any) will go into effect whether or not you use your card\nfor new transactions.\n\nF. HONEST DEALING\n\nYou will promptly notify the Credit Union of any information that affects\nyour creditworthiness or ability to pay off the loan, including but not\nlimited to a change of name, address or employment. You agree not to use\nyour account for new transactions or apply to increase your credit limit\nif you have reason to believe you cannot make the required payments.\n\nG. A\n\x07 DDITIONAL TERMS APPLICABLE TO CO-SIGNERS\n\nAs a co-signer you understand and agree that you are obligated to the\ncredit limit established by the Credit Union for the applicant to the\nsame extent as the applicant. The Credit Union can proceed against you\nif the payments are delinquent even before it seeks to recover from the\nborrower. The Credit Union will give you notice required by law of any\nadverse action it takes with respect to this account. Any extension of\nthe pay off or partial settlement with the borrower will not waive any of\nthe Credit Union\xe2\x80\x99s rights against you as the co-signer. You can stop being\nobligated for future loan advances only by writing to the Credit Union\nto that effect. But you will still be jointly and individually liable with the\nborrower for the repayment of the existing loan according to the terms\nof this Agreement.\n\nH. DEFAULT LIEN ACCELERATION\n\n1. If you fail to make the minimum monthly payment within 15 days after\nthe due date, you authorize us to apply any amount given as security in\nany of your share accounts at any time to pay off, in full or in part, what\nyou owe us, and you understand that we can, under California law, apply\nany amount in any of your Credit Union share accounts to pay off, in full\nor in part, your loan.\n2. If you are in default on your payments, you breach other terms of\nagreement, your credit worthiness materially declines, you stop being a\nmember of this Credit Union, you become insolvent, file for bankruptcy\nrelief, or die, the Credit Union will, at its option, terminate your account\nand declare the entire unpaid balance of the account due and payable\nimmediately without notice. Even if the Credit Union accepts a late\npayment or partial payment, it is not waiving its right to accelerate the\npayment of the account and declare the entire unpaid balance due.\n\nI. SECURITY\n\nSpecific Account Pledge. If you have a Share Secured Credit Card, aspecified\namount in one or more of your Credit Union share accounts is pledged as\nsecurity for the repayment of all amounts loaned to you under the terms of\nthis Agreement. The amount pledged and the account will be as shown on a\nseparate security agreement. You cannot withdraw the pledged funds from\nthe account as long as the pledge is in effect. If you default in your payments\nunder the terms of this Agreement, the Credit Union has the right to apply\nthe amount specifically pledged to pay off the loan in full or in part.\n\nCOLLECTION COST\n\nYou agree to pay all reasonable cost of collection incurred by the Credit Union\nbefore suit is filed. If we take legal action to collect what you owe us, you agree\nto pay our reasonable attorney\xe2\x80\x99s fees and costs of suit in addition to any other\namount you owe whether the legal action we take is a collection of lawsuit, a\nbankruptcy proceeding, an appeal, an action to collect on a judgment we have\nagainst you, or another type of legal proceeding.\n\nJ. ERROR CORRECTION\n\nThe Credit Union can correct clerical errors in loan documents, including\n\n\x0cbut not limited to errors in the interest rate quoted to you. You will be\nnotified of any corrections and the reasons for them.\n\nK. TERMINATION\n\nWithout prior written notice, we can terminate your account, reduce\nor cancel all credit available on the account, refuse to make further\nadvances, and revoke all cards and convenience checks issued on the\naccount for any breach of the Agreement or for any specific reason\nshown in section B. If that happens you will surrender all issued cards and\nconvenience checks to the Credit Union. Termination of the Agreement\ndoes not relieve you of your obligation to repay the full account balance\ndue under this Agreement.\n\nL. OTHER RIGHTS APPLICABLE TO CREDIT CARDS\n\xc2\xae\n\n1. Unauthorized use of Lost or Stolen Cards. Under Visa operating\nrules, you are generally not liable for unauthorized use of your card.\nHowever, if you are negligent or fraudulent in handling your Card or\notherwise fall under an exception to Visa\xc2\xae operating rules, you may\nbe liable for up to $50 in unauthorized Card use. In any event, you\nagree to promptly report the loss, theft or other actual or potential\nunauthorized use of your Card to us. Call 888-499-FIRE (3473), 24 hours\na day to report lost or stolen Cards, or write to 3201 California Street,\nSan Francisco CA 94118. All member- owners of the Credit Union benefit\nwhen unauthorized use losses are kept to a minimum. The limitations on\nliability for unauthorized use do not apply to business or organization\naccounts on which 10 or more cards have been issued.\n2. Merchant Disputes. The Credit Union will not be responsible for the\nrefusal of any merchant or financial institution to honor your Credit Card.\nThe Credit Union is subject to good faith claims and defenses recognized\nby law (other than tort claims) arising out of goods or services you\npurchase with the card, only if you have made a good faith attempt but\nhave been unable to obtain satisfaction from the plan merchant, and\n(a) your purchase was made in response to an advertisement the Credit\nUnion sent or participated in sending you or from a merchant we own\nor operate, or (b) your purchase cost more than $50 and was made in\nyour home state or within 100 miles of your home. We are relieved from\nliability if you have already paid us for the disputed transaction. Any\nother disputes you must resolve directly with the merchant.\n3. Credits. If a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we will\npost to your account. If your credits and payments exceed what you owe\nus, we will hold and apply this credit balance against future purchases\nand cash advances, or refund it on your written request if it is $1.00 or\nmore. We will credit payments promptly as required by law so you avoid\nexcess FINANCE CHARGES, but we reserve the right to delay restoring\nyour credit limit or issuing a credit balance refund until final collection\nof non-cash items presented to pay your account.\n\nM. GENERAL TERMS\n\nThe terms of this Agreement must be read together as part of the whole\nAgreement. When the singular is used, the plural is implied if there is more\nthan one signer. If any part of this Agreement is found to be invalid, the\nother parts of this Agreement shall remain in effect. Applicable federal\nand California laws shall govern the interpretation of this Agreement.\n\nATM DISCLOSURE\n\nThis part of the Disclosure includes special provisions applicable to\nthe use of the Credit Card to a Visa\xc2\xae cash advance at Automated Teller\nMachines (ATMs). Please refer to your separate Electronic Funds Transfer\ndisclosure for information on other ATM use.\n\nAVAILABLE SERVICE\n\n1. The amount and number of ATM transactions you can make may be\nlimited by the ATM you are using.\n2. ATM service is generally available seven days a week, 24 hours a day.\n\nDOCUMENTATION OF TRANSACTIONS\n\nCash advances made using an ATM will be shown on a transaction receipt\ndispensed by the ATM, and also on your periodic statement.\n\nCREDIT UNION LIABILITY\n\nIf we do not properly complete a transaction according to our agreement\nwith you, we will be liable for your direct losses or damages. However,\nthere are some exceptions. We will not be liable if:\n1. Through no fault of ours, you do not have sufficient available credit to\nmake the transaction\n2. The ATM system was not working properly and you knew about the\n\nbreakdown when you started the transaction\n3. The money in your account is subject to legal process or other claim\n4. Your PIN (personal identification number) has been reported missing\nand we have blocked its use\n5. Circumstances beyond our control, such as fire, flood, electrical failure,\nor malfunction of the central data processing facility prevent the\ncompletion of the transaction despite our reasonable precautions;\nor there are other lawful exceptions established by the Credit Union\nand you are given proper advance notice of them. In no event will the\nCredit Union be liable for consequential indirect costs or damages.\n\nIf you fail to pay the amount that we think you owe, we may report you\nas delinquent. However, if our explanation does not satisfy you and you\nwrite us within 10 days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your statement.\nAnd, we must tell you the name of anyone we reported you to. We must\ntell anyone we report you to that the matter has been settled between\nus when it finally is. If we do not follow these rules, we cannot collect the\nfirst $50.00 of the questioned amount, even if your statement was correct.\n\nSECURITY\n\n1. Under California law our right to recover credit extended to you for\npurchases is subject to any defenses that you have against the seller\nif:\na. The purchase price for the item in question exceeded $50.00\nb. The purchase was made in California\nc. You made a written demand on the retailer and made a good faith\nattempt to get satisfaction of your complaint\nd. You notify us in writing, of the name of the seller, the date of\npurchase, the price paid, the goods or services purchased, the\nnature of your defense, and the acts which you took to obtain\nsatisfaction from the seller.\n2. The amount to which the defense applies is limited to the amount\noutstanding on the purchase as well as late charges and FINANCE\nCHARGES at the time we receive your letter.\n3. This remedy is the only one you have against us. Your rights are limited\nto those circumstances outlined in California Civil Code Section\n1747.90. Purchases with cash or check are not included in this section\neven though you used your credit card to validate your credit.\n4. We cannot penalize you by either giving out unfavorable credit\ninformation about you or canceling or refusing to renew your credit\ncard solely because you obtained relief under the remedies you have\nfor correcting billing errors.\n\nDo not use an ATM machine unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and receipt\nwhen you are done. Put your money away quickly and leave the site.\n\nSTATE AND LOCAL LAW\n\nThe following summary of your rights under federal law does not cover\nall rights you may have under state and local law. If, under state or local\nlaw, you have a longer period of time in statement, reliance on any such\nlonger time period may result in your losing important rights which could\nbe preserved by acting more promptly under federal law. State or local\nprovisions, if any, only become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a proper written\nnotification of an error.\n\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR\nFUTURE USE\n\nThis notice contains important information about your rights and\nresponsibilities under the Fair Credit Billing Act, Statement or Electronic\nTransfers. If you think your statement or other documentation is wrong,\nor if you need more information about a transaction on your statement,\nwrite us at the address listed on your statement. Write to us as soon as\npossible. We must hear from you no later than 60 days after we sent you\nthe first statement on which the error or problem appeared. You can\ntelephone us at (888) 499-FIRE (3473), but doing so will not preserve your\nrights.\n\nNOTICE TO CALIFORNIA RESIDENTS\n\nCALIFORNIA STATE\nFIREFIGHTERS\xe2\x80\x99 ASSOCIATION\n\nVISA\xc2\xae CARDHOLDER AGREEMENT\nAND DISCLOSURE STATEMENT\n\nSEND YOUR QUESTIONS IN WRITING TO:\n\n3201 California Street, San Francisco CA 94118\n\nIN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION:\n\xe2\x80\xa2 YOUR NAME AND ACCOUNT NUMBER\n\xe2\x80\xa2 THE DOLLAR AMOUNT OF THE SUSPECTED ERROR\n\xe2\x80\xa2 A DESCRIPTION OF THE ERROR AND EXPLANATION OF WHY YOU BELIEVE\nTHERE IS AN ERROR\nIF YOU NEED MORE INFORMATION, DESCRIBE THE ITEM YOU ARE NOT SURE ABOUT.\n\nHOW TO STOP PAYMENT OF A PRE-AUTHORIZED TRANSFER\nIf you have authorized us to make your Visa\xc2\xae payment automatically from\nyour Credit Union Share or Checking Account, you can stop the payment\non any amount you think is wrong. To stop payment, you must contact us\nthree business days before the automatic payment is scheduled to occur.\nIf you telephone your request we may require you to confirm your oral\nrequest in writing. If you fail to do so, your oral request will terminate\n14 days after it is made. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and we do not do\nso well, we will be liable for your losses or damages.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR\nWRITTEN NOTICE OF ERROR\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the\nerror or explain why we believe the statement was correct. After we\nreceive your letter, and if you have not yet paid the disputed amount,\nwe cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount\nagainst your credit limit. You do not have to pay a questioned amount\nwhile we are investigating, but you are still obligated to pay the parts of\nyour statement that are not in question. If we find that we made a mistake\non your statement, you will not have to pay any FINANCE CHARGES\nrelated to any questioned amount. If we did not make a mistake, you may\nhave to pay FINANCE CHARGES, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\n\nOFFERED THROUGH\n\n\xc2\xa9 Greene & Allison LLP 2020 All rights reserved SFF-11/2020\n\n\x0c'


b'PARTS IN BOLD FACE MEET TRUTH IN LENDING\nREQUIREMENTS. PLEASE READ THE WHOLE AGREEMENT\nAND KEEP IT FOR YOUR RECORDS.\nYou have applied for a Platinum Visa\xc2\xae card with the San Francisco Fire\nCredit Union. If issued, the extension of a credit card and convenience\nchecks to you under this Agreement will be subject to the following\nterms:\n\nA. USING YOUR VISA\xc2\xae ACCOUNT\n\n1. You consent to the terms of this Agreement by using the card or\nconvenience checks. You continue to be bound for all transactions resulting\nfrom the use of the card or checks until you give us written notice of\ntermination of the account and return the card and/or checks to us.\na. If the Credit Union approves your application, each applicant will\nbe issued a Visa\xc2\xae credit card (and convenience checks if requested),\nand will be able to use the account. Each applicant will also be liable\nto repay the account under the terms of this Agreement. Cosigners\nwho do not have access to the account but are still liable for the\nloan acknowledge receipt of a copy of this loan Agreement as well\nas the separate \xe2\x80\x9cNotice to Cosigner.\xe2\x80\x9d\nb.\t\x07\tYou are also obligated to repay any charges resulting from the use\nof the account by another person with your permission whether or\nnot the person stays within the limits of use set by you.\nc. Any persons who use the account are also obligated to repay the\nCredit Union for all charges incurred because of their use of the\naccount.\nd. You remain bound to pay for charges made under this Agreement\neven if another person has been directed to pay the debt by an\nagreement or court order to which the Credit Union is not a party;\nfor example, a divorce decree. Any release from the obligation to\npay is valid only if pursuant to a writing signed by an authorized\nCredit Union employee or to a court order in an action to which the\nCredit Union is a party.\n2. To make a purchase or get a cash advance, present the card or give\nthe card number and expiration date to a participating Visa\xc2\xae plan\nmerchant, to us, or to another financial institution. If you make the\ntransaction in person, you will sign a sales or cash advance draft\nimprinted with your card number. Keep the drafts to verify your\nperiodic statement. If the transaction is not made in person (such as\na telephone mail order purchase or an on-line purchase), your only\ndocumentation of the charge may be your periodic statement.\n3. Your credit card may also access Visa\xc2\xae designated automated teller\nmachines (ATMs). The use of your credit card for ATM access is subject\nto the additional ATM disclosure terms.\n4. You can also access your Visa\xc2\xae account by writing a convenience\ncheck. The use of a convenience check is treated as a cash advance\nfor purposes of calculating FINANCE CHARGES. \xe2\x80\x9cThe Special Rule for\nCredit Card Purchases\xe2\x80\x9d and \xe2\x80\x9cNotice to California Residents\xe2\x80\x9d do not\napply to use of convenience checks, but special service requests (such\nas stop payment requests) will be subject to the same fees we charge\nfor these services on checking accounts. Please refer to our current\nFee Schedule. In handling convenience checks, your and our respective\nrights and responsibilities are as explained in the checking account\nterms in your General Disclosure & Account Agreement. A merchant\nor other payee may convert a Visa\xc2\xae check to an electronic check; refer\nto the Electronic Fund Transfer Disclosure included in your Member\nAccount Handbook for terms governing electronic checks.\n5. NOTICE OF PROHIBITION ON USE FOR ILLEGAL TRANSACTIONS\nVisa\xc2\xae Cardholders may not use or permit others to use their credit cards\nfor illegal transactions, such as illegal online gambling. We have the\nright, but not the obligation, to refuse a requested transaction if we\nreasonably believe the transaction is illegal. If unauthorized use is\nmade of your card for a transaction, the actual or alleged illegality\nof the transaction will not be a defense to your obligation to pay the\nresulting charge. Responsibility for determining whether transactions\nare legal rest with the Cardholder, not the Credit Union.\n6. Overdraft Protection Advances. If you designate your Visa\xc2\xae Account as\nan overdraft protection source in writing, the following applies: You\nmay request a loan advance on your Visa\xc2\xae account by writing a check/\nshare draft any time there are not sufficient funds in your check/share\ndraft account. If you request a Debit Card or Online Banking or Online\nBill Payment, you can also request a loan advance by using those\nservices to make payments out of your Credit Union checking/share\ndraft account when there are insufficient funds in that account. Any\noverdraft of your checking/share draft account, up to your unused\ncredit limit on your Visa\xc2\xae account, will be added to your loan balance\nunder this Agreement if and when the Credit Union pays the share\n\ndraft or other transaction. The Credit Union has the right to refuse\noverdraft loan advances but will promptly notify you in writing of\nthe reasons for refusal. Overdraft protection advances will not be\nmade if your Credit Union membership is not in good standing or if\nyou do not have available credit. All overdraft loan advances will be\nin amounts sufficient to cover the overdrafts and any applicable fees\nand charges assessed against your share or share draft accounts \xe2\x80\x93 see\nthe Fee Schedule. Overdraft protection advances are treated as cash\nadvances in calculating FINANCE CHARGES for your Visa\xc2\xae Account. You\ncannot obtain an overdraft protection advance to make Credit Union\nloan payments. Doing so is considered a misuse of your checking/\nshare draft and credit privileges and may result in our revoking your\ncredit privileges, your checking/share draft privileges or both.\n7. Honoring the card. We will not be responsible for the refusal of any\nmerchant or financial institution to honor your card.\n8. If your card has the Extra AwardsTM feature, program details are\nexplained in a separate Extra AwardsTM brochure.\n\nB. CREDIT LIMIT\n\nThe Credit Union has the sole discretion to set your credit limit,\napplying Credit Union loan policies to the evaluation of your creditworthiness and ability to pay. The Credit Union can review your Visa\xc2\xae\naccount from time to time. Credit Union review may include checking\nyour credit with third parties such as credit reporting agencies. You\nmust provide any current information the Credit Union requests. We\nmay adjust your credit limit or close your credit card account at any\ntime based on a number of factors including our current loan policies\nand our evaluation of your credit worthiness and ability to repay. The\nCredit Union can increase your rate, increase or decrease your credit\nlimit or terminate your Visa\xc2\xae account based on Credit Union review.\nThe Credit Union will give you the notice required by law if changes\nare made that adversely affect you. You can request an increase to\nyour credit limit at any time by submitting an oral or written request,\nbut the Credit Union has sole discretion as to whether to approve your\nrequest. All cards issued or re-issued are subject to approval. A Visa \xc2\xae\naccount that has been inactive for six months may not be automatically\nrenewed.\n\nC. REPAYMENT TERMS\n\n1. You promise to pay to the Credit Union at the address designated\non your statement all sums advanced to you under this Agreement at any\ntime plus a FINANCE CHARGE. Interest FINANCE CHARGES on your credit\ncard account are calculated by applying an ANNUAL PERCENTAGE RATE\nto the balance outstanding on your account. The rate for VARIABLE rate\naccounts is determined at the beginning of each billing cycle by adding\na margin (between 4.00% and 10.00% based on the creditworthiness\nassigned to your account) to the Index. The Index is the highest Prime Rate\ncurrently published in the Wall Street Journal, Western Edition, on the 1st\nday of the month (or the next business day if the 1st is not a business\nday). Your VARIABLE rate Index may change quarterly (January, April, July,\nOctober).\nBefore you become obligated, the Credit Union will disclose to you the\nmargin that is assigned to a VARIABLE account, and the current ANNUAL\nPERCENTAGE RATE and corresponding Monthly Periodic Rate. The margin\nassigned to a VARIABLE account may depend on a number of factors\nincluding our current loan policies and our evaluation of your creditworthiness and ability to pay.\n2. We arrive at the FINANCE CHARGE by multiplying the monthly Periodic\nRate by the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d We calculate the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d by adding purchases and cash advances to any previous\nbalance and subtracting any payments received or other credits each\nday. Unpaid FINANCE CHARGES are excluded from the calculation. That\ngives us the daily principal balances. The daily principal balances are\nadded together and divided by the number of days in the billing cycle to\narrive at the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n2.1 The FINANCE CHARGE on purchases will be charged for each month the\noutstanding balance is not paid within the grace period, at least 25 days\nafter the statement date. The statement closing date is the 15th of each\nmonth and the payment due date is the 15th of each month. Therefore, the\nnumber of days between your statement closing date and your payment\ndue date (the grace period) may vary from one billing cycle to another, but\nwill never be less than 25 days.\n2.2 In order to avoid a FINANCE CHARGE on purchases made since your last\nstatement date, you must pay the Total New Balance by the Payment\nDue Date shown on your statement. Otherwise the FINANCE CHARGE on\npurchases is calculated from the beginning of the next statement period\non previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account.\n3. The FINANCE CHARGE on cash advances runs from the date of each\ntransaction. There is no grace period. Cash advances include all Visa\xc2\xae\n\nconvenience check transactions (whether used to obtain cash or to\npay for goods or service), use of the card to obtain cash via a signature\n(over-the-counter) transaction or ATM, overdraft protection advances,\nand Online Banking advances.\n4. If you paid your previous billing cycle\xe2\x80\x99s balance in full on or before the\ndue date (or had no outstanding balance), FINANCE CHARGES on current\npurchases will begin to accrue only if you still have a purchase balance\noutstanding at the end of the current cycle\xe2\x80\x99s grace period. If you had\na purchase balance outstanding after the previous cycle\xe2\x80\x99s due date,\nFINANCE CHARGES will begin to accrue from the date new purchases\npost to your account, and will continue to accrue on any purchase\noutstanding from prior billing cycles. Once FINANCE CHARGES begin to\naccrue, they continue to accrue until the balances are repaid. Paying\npart of a balance due will not stop the accrual of FINANCE CHARGES on\nbalances that remain outstanding.\n5. Your payments will be applied to the components of your account in\nthe following general order: 1) charges, such as late payment charges\n2) FINANCE CHARGES 3) previously billed balance transfers 4) previously\nbilled cash advances 5) previously billed non-cash transactions 6) new\nbalance transfers 7) new cash advances 8) new non-cash transactions\n9) disputed amounts. In all cases, after the payment of late charges and\nFINANCE CHARGES, payments will be applied to the highest interest\nrate balance first.\n6.\t\x07The minimum required monthly payment is $20 or 3% of the outstanding\nbalance rounded up to the next dollar, whichever is greater, plus any\npast due amounts and/or amounts by which your outstanding balance\nexceeds your credit limit. It increases as the unpaid balance increases,\nas stated in your monthly statement. If the balance is less than $20, the\nminimum monthly payment will equal the balance amount.\n7. The Credit Union will send you monthly statements of your Visa\xc2\xae account\nwhich will advise you of the status of your account and any other\ninformation required by law.\n8. If your outstanding balance exceeds your authorized credit limit at\nany time for any reason, you must, upon your receipt of our written\ndemand, immediately make a lump sum payment to reduce your\nbalance to an amount within your credit limit.\n9. The balance owed by you, including accrued FINANCE CHARGE on the\nunpaid balance, may be repaid in full at any time without prepayment\npenalty.\n10. The Credit Union can assess FINANCE CHARGES on cash advances from\nthe day they post to your Visa\xc2\xae Account. Cash advances include all Visa\xc2\xae\nCheck transactions (whether used to obtain cash or to pay for goods\nor services), use of the card to obtain cash via a signature (over-thecounter) transaction or ATM, Overdraft Protection advances or Online\nBanking advances.\n11. Penalty APR: The Penalty APR may be applicable to your account if you:\n\xe2\x80\xa2 Fail to make any minimum payment within 60 days after the due\ndate for that payment;\n\xe2\x80\xa2 Make a payment to us that is returned unpaid; or\n\xe2\x80\xa2 Do any of the above on another account or loan you have with us.\nBefore we apply the Penalty APR on any type of transaction balance,\nwe will provide you any notice required by law in advance that\ntells you which future transactions and/or outstanding balances\nare subject to the Penalty APR and when the APRs will increase. If\nwe do not increase your APRs to the Penalty APR when any of these\nevents occur, we reserve the right to increase your APRs to the\nPenalty APR if any of these events occur in the future.\nIf your APRs are increased on any type of transaction for any of the\nreasons above, the Penalty APR will be applicable indefinitely to\nfuture transactions of that type that occur more than 14 days after\nwe provide you notice about the APR increase.\nIf we do not receive any minimum payment within 60 days of the date\nand time due, the Penalty APR will be applicable to all outstanding\nbalances and future transactions on your account. However, if we\nreceive six consecutive minimum payments by the date and time due\nbeginning with the first payment due after the effective date of the\nincrease, we will stop applying the Penalty APR to transactions that\noccurred prior to or within 14 days after we provided you notice about\nthe APR increase. For balances that we stop applying the Penalty APR\nto, we will apply APRs that would have applied at that date if the\nPenalty APR had never been applicable.\n12. Closed Accounts: If you close your credit card account with the Credit\nUnion we may adjust your repayment of the outstanding balance\nusing one of the following methods:\n\xe2\x80\xa2 The existing method of repayment for the account as of the close date;\nor\n\xe2\x80\xa2 A repayment amortization period of not less than five years, beginning\nno earlier than the close date.\n\nD. OTHER CHARGES\n1. If your minimum monthly payment is not paid within 15 days after the\npayment due date, you will be charged a late fee of $15.00.\n2. Payment of your Visa account with a check returned NSF (not sufficient\nfunds) or by other dishonored funds transfer will result in a $10.00\ncharge.\n3. International Transactions. Purchases and cash advances initiated in\nforeign countries or foreign currencies will be billed in U.S. Dollars. The\nexchange rate on international transactions between the transaction\ncurrency and the billing currency is a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate Visa itself\nreceives, or the government mandated rate in effect for the applicable\nprocessing date.\nE. CHANGES IN TERMS\nWe may change the terms of this Agreement, including the Annual\nPercentage Rate, and the terms of the Extra AwardsTM program, by giving\nyou written notice 45 days prior to the effective date of change. \xe2\x80\x9cChange\xe2\x80\x9d\ncan mean adding a new term, changing an existing term, or deleting an\nold term. If you do not want the changes to apply to your account, you\nhave the option of cutting all your cards (and convenience checks if\napplicable) in half and sending the pieces back to us with a written\nrequest that your account be canceled. If you do that, you must pay off\nyour account but under the old terms and under the old interest rate;\nand if you have a Visa Extra AwardsTM, you will forfeit travel points you\nhave accumulated. If you keep your card, the new terms and new interest\nrate (if any) will go into effect whether or not you use your card for new\ntransactions.\nF. HONEST DEALING\nYou will promptly notify the Credit Union of any information that affects\nyour creditworthiness or ability to pay off the loan, including but not\nlimited to a change of name, address or employment. You agree not to use\nyour account for new transactions or apply to increase your credit limit\nif you have reason to believe you cannot make the required payments.\nG. A\n\x07 DDITIONAL TERMS APPLICABLE TO CO-SIGNERS\nAs a co-signer you understand and agree that you are obligated to the\ncredit limit established by the Credit Union for the applicant to the\nsame extent as the applicant. The Credit Union can proceed against you\nif the payments are delinquent even before it seeks to recover from the\nborrower. The Credit Union will give you notice required by law of any\nadverse action it takes with respect to this account. Any extension of\nthe pay off or partial settlement with the borrower will not waive any of\nthe Credit Union\xe2\x80\x99s rights against you as the co-signer. You can stop being\nobligated for future loan advances only by writing to the Credit Union\nto that effect. But you will still be jointly and individually liable with the\nborrower for the repayment of the existing loan according to the terms\nof this Agreement.\nH. DEFAULT LIEN ACCELERATION\n1. If you fail to make the minimum monthly payment within 15 days after\nthe due date, you authorize us to apply any amount given as security\nin any of your share accounts at any time to pay off, in full or in part,\nwhat you owe us you understand that we can, under California law,\napply any amount in any of your Credit Union share accounts to pay\noff, in full or in part, your loan.\n2. If you are in default on your payments, you breach other terms of\nagreement, your credit worthiness materially declines, you stop being a\nmember of this Credit Union, you become insolvent, file for bankruptcy\nrelief, or die, the Credit Union will, at its option, terminate your account\nand declare the entire unpaid balance of the account due and payable\nimmediately without notice. Even if the Credit Union accepts a late\npayment or partial payment, it is not waiving its right to accelerate the\npayment of the account and declare the entire unpaid balance due.\n3. If you have a Visa Extra AwardsTM card, and your account is delinquent\nor the balance exceeds your approved credit limit, you will not earn\npoints and the Credit Union may withdraw points you have already\nearned.\nI. SECURITY\n1. Specific Account Pledge. If you have a Share Secured Credit Card, a specified\namount in one or more of your Credit Union share accounts is pledged as\nsecurity for the repayment of all amounts loaned to you under the terms of\nthis Agreement. The amount pledged and the account will be as shown on a\nseparate security agreement. You cannot withdraw the pledged funds from\nthe account as long as the pledge is in effect. If you default in your payments\nunder the terms of this Agreement, the Credit Union has the right to apply\nthe amount specifically pledged to pay off the loan in full or in part.\n\n\x0cCOLLECTION COST\nYou agree to pay all reasonable cost of collection incurred by the Credit Union\nbefore suit is filed. If we take legal action to collect what you owe us, you agree\nto pay our reasonable attorney\xe2\x80\x99s fees and costs of suit in addition to any other\namount you owe whether the legal action we take is a collection of lawsuit, a\nbankruptcy proceeding, an appeal, an action to collect on a judgment we have\nagainst you, or another type of legal proceeding.\nJ. ERROR CORRECTION\nThe Credit Union can correct clerical errors in loan documents, including\nbut not limited to errors in the interest rate quoted to you. You will be\nnotified of any corrections and the reasons for them.\nK. TERMINATION\nWithout prior written notice, we can terminate your account, reduce or\ncancel all credit available on the account, refuse to make further advances,\nand revoke all cards and convenience checks issued on the account for\nany breach of the Agreement or for any specific reason shown in section\nB. If that happens you will surrender all issued cards and convenience\nchecks to the Credit Union. Termination of the Agreement does not relieve\nyou of your obligation to repay the full account balance due under this\nAgreement.\nL. OTHER RIGHTS APPLICABLE TO CREDIT CARDS\n1. Unauthorized use of Lost or Stolen Cards. Under Visa\xc2\xae operating rules,\nyou are generally not liable for unauthorized use of your card. However,\nif you are negligent or fraudulent in handling your Card or otherwise fall\nunder an exception to Visa\xc2\xae operating rules, you may be liable for up to\n$50 in unauthorized Card use. In any event, you agree to promptly report\nthe loss, theft or other actual or potential unauthorized use of your Card\nto us. Call 888-499-FIRE (3473), 24 hours a day to report lost or stolen Cards,\nor write to 3201 California Street, San Francisco CA 94118. All memberowners of the Credit Union benefit when unauthorized use losses\nare kept to a minimum. The limitations on liability for unauthorized\nuse do not apply to business or organization accounts on which 10 or\nmore cards have been issued.\n2. Merchant Disputes. The Credit Union will not be responsible for the\nrefusal of any merchant or financial institution to honor your Credit Card.\nThe Credit Union is subject to good faith claims and defenses recognized\nby law (other than tort claims) arising out of goods or services you\npurchase with the card, only if you have made a good faith attempt but\nhave been unable to obtain satisfaction from the plan merchant, and\n(a) your purchase was made in response to an advertisement the Credit\nUnion sent or participated in sending you or from a merchant we own\nor operate, or (b) your purchase cost more than $50 and was made in\nyour home state or within 100 miles of your home. We are relieved from\nliability if you have already paid us for the disputed transaction. Any\nother disputes you must resolve directly with the merchant.\n3. Credits. If a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we will\npost to your account. If your credits and payments exceed what you owe\nus, we will hold and apply this credit balance against future purchases\nand cash advances, or refund it on your written request if it is $1.00 or\nmore. We will credit payments promptly as required by law so you avoid\nexcess FINANCE CHARGES, but we reserve the right to delay restoring\nyour credit limit or issuing a credit balance refund until final collection\nof non-cash items presented to pay your account.\nM. GENERAL TERMS\nThe terms of this Agreement must be read together as part of the whole\nAgreement. When the singular is used, the plural is implied if there is more\nthan one signer. If any part of this Agreement is found to be invalid, the\nother parts of this Agreement shall remain in effect. Applicable federal\nand California laws shall govern the interpretation of this Agreement.\nATM DISCLOSURE\nThis part of the Disclosure includes special provisions applicable to\nthe use of the Credit Card to a Visa cash advance at Automated Teller\nMachines (ATMs). Please refer to your separate Electronic Funds Transfer\ndisclosure for information on other ATM use.\nAVAILABLE SERVICE\n1. The amount and number of ATM transactions you can make may be\nlimited by the ATM you are using.\n2. ATM service is generally available seven days a week, 24 hours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash advances made using an ATM will be shown on a transaction receipt\ndispensed by the ATM, and also on your periodic statement.\n\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our agreement\nwith you, we will be liable for your direct losses or damages. However,\nthere are some exceptions. We will not be liable if:\n1. Through no fault of ours, you do not have sufficient available credit to\nmake the transaction\n2. The ATM system was not working properly and you knew about the\nbreakdown when you started the transaction\n3. The money in your account is subject to legal process or other claim\n4. Your PIN (personal identification number) has been reported missing\nand we have blocked its use\n5. Circumstances beyond our control, such as fire, flood, electrical failure,\nor malfunction of the central data processing facility prevent the\ncompletion of the transaction despite our reasonable precautions; or\nthere are other lawful exceptions established by the Credit Union and\nyou are given proper advance notice of them. In no event will the Credit\nUnion be liable for consequential indirect costs or damages.\nSECURITY\nDo not use an ATM machine unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and receipt\nwhen you are done. Put your money away quickly and leave the site.\nSTATE AND LOCAL LAW\nThe following summary of your rights under federal law does not cover\nall rights you may have under state and local law. If, under state or local\nlaw, you have a longer period of time in statement, reliance on any such\nlonger time period may result in your losing important rights which could\nbe preserved by acting more promptly under federal law. State or local\nprovisions, if any, only become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a proper written\nnotification of an error.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and\nresponsibilities under the Fair Credit Billing Act, Statement or Electronic\nTransfers. If you think your statement or other documentation is wrong,\nor if you need more information about a transaction on your statement,\nwrite us at the address listed on your statement. Write to us as soon as\npossible. We must hear from you no later than 60 days after we sent you\nthe first statement on which the error or problem appeared. You can\ntelephone us at (888) 499-FIRE (3473), but doing so will not preserve your\nrights.\nSEND YOUR QUESTIONS IN WRITING TO:\n3201 California Street, San Francisco CA 94118\nIN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION:\n\xe2\x80\xa2 Your name and account number\n\xe2\x80\xa2 The dollar amount of the suspected error\n\xe2\x80\xa2 A description of the error and explanation of why you believe there\nis an error\nIf you need more information, describe the item you are not sure about.\n\npayments on the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you\nas delinquent. However, if our explanation does not satisfy you and you\nwrite us within 10 days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your statement.\nAnd, we must tell you the name of anyone we reported you to. We must\ntell anyone we report you to that the matter has been settled between\nus when it finally is. If we do not follow these rules, we cannot collect the\nfirst $50.00 of the questioned amount, even if your statement was correct.\n\nSPECIAL RULE FOR CREDIT CARD PURCHASES\n\nIf you have a problem with the quality of goods or services that you\npurchased with a credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the\nremaining amount due on the property or services. There are two limitations on this right:\n\x07\x07a. You must have made the purchase in your home state or, if not\nwithin your home state within 100 miles of your current mailing\naddress.\n\x07b. The purchase price must be more than $50.00.\nThese limitations do not apply if we own or operate the merchant, or if we\nmailed you the advertisement for the property or services.\n\nNOTICE TO CALIFORNIA RESIDENTS\n\n1. Under California law our right to recover credit extended to you for\npurchases is subject to any defenses that you have against the seller\nif:\na. The purchase price for the item in question exceeded $50.00\nb. The purchase was made in California\nc. You made a written demand on the retailer and made a good faith\nattempt to get satisfaction of your complaint\nd. You notify us in writing, of the name of the seller, the date of\npurchase, the price paid, the goods or services purchased, the\nnature of your defense, and the acts which you took to obtain\nsatisfaction from the seller.\n2. The amount to which the defense applies is limited to the amount\noutstanding on the purchase as well as late charges and Finance\ncharges at the time we receive your letter.\n3. This remedy is the only one you have against us. Your rights are limited\nto those circumstances outlined in California Civil Code Section\n1747.90. Purchases with cash or check are not included in this section\neven though you used your credit card to validate your credit.\n4. We cannot penalize you by either giving out unfavorable credit\ninformation about you or canceling or refusing to renew your credit\ncard solely because you obtained relief under the remedies you have\nfor correcting billing errors.\n\nHOW TO STOP PAYMENT OF A PRE-AUTHORIZED TRANSFER\nIf you have authorized us to make your Visa\xc2\xae payment automatically from\nyour Credit Union Share or Checking Account, you can stop the payment\non any amount you think is wrong. To stop payment, you must contact us\nthree business days before the automatic payment is scheduled to occur.\nIf you telephone your request we may require you to confirm your oral\nrequest in writing. If you fail to do so, your oral request will terminate\n14 days after it is made. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and we do not do\nso well, we will be liable for your losses or damages.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE\nRECEIVE YOUR WRITTEN NOTICE OF ERROR\n\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the\nerror or explain why we believe the statement was correct. After we\nreceive your letter, and if you have not yet paid the disputed amount,\nwe cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount\nagainst your credit limit. You do not have to pay a questioned amount\nwhile we are investigating, but you are still obligated to pay the parts of\nyour statement that are not in question. If we find that we made a mistake\non your statement, you will not have to pay any FINANCE CHARGES\nrelated to any questioned amount. If we did not make a mistake, you may\nhave to pay FINANCE CHARGES, and you will have to make up any missed\n\n\xc2\xa9 Greene & Allison LLP 2020 All rights reserved SFF-11/2020\n\nCARDHOLDER\n\nAGREEMENT AND\nDISCLOSURE STATEMENT\n\n\x0c'


b'Time Federal Savings Bank Credit Card Disclosure Agreement\n(VISA Classic, VISA Gold)\nThese regulations are effective November 14, 2017. In these regulations, the words you, and your mean each and all of those who applied for the card. Card\nmeans your VISA credit card issued by Time Federal Savings Bank and any duplicates or renewals we issue. Account means your VISA credit card account.\nWe, us, and our mean Time Federal Savings Bank.\n1. Responsibility. If you apply for and receive a card from us, you agree to these regulations. You also agree to repay all debts and any INTEREST CHARGE\nor any other fees or charges arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse\nand minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until you recover and\nreturn the card to us. Except to the extent allowed by law, you cannot disclaim responsibility by notifying us and it continues even though an agreement, divorce\ndecree 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. Any person using the card\nshall be jointly responsible with you for charges he or she makes, and if that person signs the card, and receives a copy of these regulations, he or she is also\nresponsible for all charges on the account, including yours.\n2. Credit Line. We will establish a Credit Line for you and advise you on its amount. You agree not to let the account balance exceed the Credit Line. We\nreserve the right to reduce your Credit Line from time to time, or to revoke your card without affecting your obligation to pay the account balance. The cards\nremain our property, and if we request you must recover and surrender to us all cards we have issued on your account.\n3. Interest Charges. Your account will be subject to an INTEREST CHARGE for any statement period during which you failed to pay in full the Previous\nBalance shown on the statement during the first 25 days of the statement period. The interest portion of the INTEREST CHARGE is calculated by applying the\nfollowing monthly periodic rates to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account:\nPurchases:\n0.825% per month (9.90% ANNUAL PERCENTAGE RATE)\nBalance Transfers:\n0.825% per month (9.90% ANNUAL PERCENTAGE RATE)\nCash Advances:\n0.825% per month (9.90% ANNUAL PERCENTAGE RATE)\nPurchases and Balance Transfers (Method G) Average Daily Balance (including current transactions). To avoid incurring additional Interest Charge on the\nbalance of purchases (and cash advances, if Method G is specified as applicable to cash advances) reflected on your monthly statement and, on any new\npurchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d in full, shown on your monthly\nstatement on or before the Payment Due Date.\nThe Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (and if applicable, cash\nadvances). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract\nany payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing cycle.\nCash Advances. (Method F) Average Daily Balance (including current transactions). To avoid incurring additional Interest Charge on the beginning balance of\ncash advances (and purchases if Method F is specified as applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance\nshown on your monthly statement on or before the Payment Due Date. No grace period is provided for current cycle transactions.\nThe Interest Charges for a billing cycle are computed by applying the Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances (and if applicable,\npurchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract\nany payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing cycle.\nYou can avoid any INTEREST CHARGES on purchases by paying in full the New Balance shown on your monthly statement within 25 days of the statement\nclosing date. Each cash advance will be subject to an INTEREST CHARGE (cash advance fee) of 2% of the face amount of the cash advance or $2.00,\nwhichever is greater (maximum $20.00).\n4. Penalty Fees. Your account will also be subject to the following additional fees:\na. A Late Payment Fee of up to $10.00 for any statement period in which you fail to pay at least the Minimum Payment described below\nWithin a minimum of 15 days after the payment due date.\nb. A returned check fee of up to $15.00 will be assessed as a purchase if we receive a check that is presented for payment to your VISA\nAccount which is returned unsatisfied because you do not have an account with the financial institution, your account does not have\nsufficient funds in it or you do not have sufficient credit with the financial institution.\n5. Monthly Statement; Minimum Payment. We will mail you a statement every month showing your Previous Balance, the current transactions on your\naccount, the remaining regular credit available under your Credit Line, the New Balance, and the Minimum Payment due. Every month you must pay at least the\nMinimum Payment within 25 days after the date of your statement. If you fail to pay the minimum payment within 15 days after the due date, your account will be\nsubject to a Late Payment Fee in the amount of up to $10.00. You may of course, pay more than the Minimum Payment, or pay the New Balance in full and\nyou will reduce or avoid the INTEREST CHARGE by doing so. The Minimum Payment will be applied as follows: a) any unpaid finance charges on cash\nadvances; b) any unpaid finance charges on retail purchases; c) any past due principal on cash advances; d) any past due principal on retail purchases; e) any\nfinance charges due on cash advances; f) any finance charges due on retail purchases; g) principal due on new cash advances; h) principal due on any new\nretail purchases including late charges, and any other fees; i) remaining balances on cash advances; j) remaining balances on retail purchases.\nA Minimum Payment is required for every statement period and any additional amount received, if sufficient, may be used to satisfy the next required\nminimum payment amount. Your Minimum Payment will be the full amount by which your regular New Balance exceeds your credit line, plus 3% of your New\nBalance or $20.00, whichever is greater, or your full New Balance if it is less than $20.00.\n6. Payment Crediting and Credit Balance. Payments received by 5PM EST at the location specified on the front of the statement after the phrase \xe2\x80\x9cPlease\nMail Your Payments to\xe2\x80\x9d will be credited as of the date of receipt to the account specified on the payment coupon. Payments may also be presented at any\nTime Federal Savings Bank office and will be applied to your account within one business day. Payments must be made in U.S. dollars. Payments that do not\nconform to the requirements set forth on or with the periodic statement (e.g. missing payment stub, payment envelope other than as provided with your\nstatement, multiple checks or multiple coupons in the same envelope) may be subject to delay in crediting but shall be credited within five days of receipt. If there\nis a credit balance due on your account, you may request, in writing, a full refund. Submit your request to Time Federal Savings Bank, PO Box 239, Medford, WI\n54451-0239. By sending your check, you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which\nthe check is drawn. This electronic debit, which may be posted to your account as early as the date your check is received, will be only for the amount of your\ncheck. The original check will be destroyed and we will retain its image in our records. If you have questions please call the customer service number on the\nfront of your billing statement.\nClosing Date. The closing date is the last day of the billing cycle; all transactions received after the closing date will appear on your next statement.\nNegative Credit Reports. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account\nmay be reflected in your credit report.\n7. Default. You will be in default if you fail to make the Minimum Payment on time 2 times during any 12 month period. You will also be in default if your ability\nto repay us, or the value to us of your security interest, is materially reduced by a change in your employment, an increase in your obligations, your failure to\nabide by these regulations, or the fact that you or your spouse dies, changes domicile or marital status, or becomes the subject of bankruptcy or insolvency\nproceedings. We have the right to demand immediate payment of your full account balance if you do not cure your default within 15 days after we send a written\ndefault notice. We have this right, without notice, if the default is your 3rd within 12 months and we notified you of the prior 2. In addition, if you are domiciled in\n\n\x0cWisconsin, to the extent not prohibited by law, the account will terminate (and your privilege of using the Card will cease) on the day we receive written notice\nfrom your spouse terminating the account; but you and your spouse, to the extent not prohibited by the law, remain responsible for all amounts debited to your\naccount (including finance charges) both before and after receipt by us of such notice of termination. Upon such a termination, we may demand immediate\npayment of your full account balance.\nYour privilege of using the Card and the account will expire on the date shown on the Card. You may terminate your account relationship with us at any time by\nsurrendering to us all of your Cards but you will remain liable to us for full payment of any balance of your account. We may revoke your Card at any time without\nprior notification and without affecting your obligation to pay the account balance.\n8. Governing Law; Security Interest. Each purchase and cash advance through your account constitutes a loan made by us to you in the state of Wisconsin.\nYou agree that the Wisconsin Consumer Act applies to all these loans (except for the rate of INTEREST CHARGE which may be governed by federal law) even\nthough you may use them for business purposes, or you are a person not otherwise covered by the Act. To secure each purchase loan, you grant us a security\ninterest under the Uniform Commercial Code in any goods you purchase with it. If you default, we will have the right to recover any of these goods which have\nnot been fully paid for through our application of your payments in the manner described in Section 422.418(3) and (4) Wis. Stats. If you give or have given us\nany other security interests for all your debts, your account will also be secured by the property described in those security agreements (except for your home\nand the personal property, home furnishings, appliances and clothing described in Section 422.417 Wis. Stats., and when your account balance is less than\n$1,000 except for other real estate).\n9. Foreign Transactions. Purchases and cash advances you make in foreign countries and foreign currencies will be billed to you in U.S. dollars. The\nconversion to dollars will be made by the foreign plan member\xe2\x80\x99s bank in accordance with the applicable VISA operating regulations for international transactions.\nForeign Transaction Fee \xe2\x80\x93 0.8% of the transaction amount on foreign transactions where there is no currency conversion. 1.0% of the transaction amount on\nforeign transactions if there is a currency conversion.\n10. Plan Member Disputes. We are not responsible for the refusal of any plan member or financial institution to honor your card. You must resolve directly with\nthe plan member any disputes regarding goods or services you purchase with the card, unless (a) your purchase was made from us or an affiliate or in response\nto an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50 and was made from a plan member in your state or within\n100 miles of your current mailing address.\n11. Use. If you are married or domiciled in Wisconsin, you represent that all transactions through your account will be incurred in the interest of your marriage or\nfamily. You authorize us to pay for your account all items reflecting purchases or cash advances made with the Card or Convenience Check in spite of the\nabsence of your signature on a sales draft or the lack of presentation of the Card. By giving your Card or Convenience Check to someone else you authorize all\npurchases and cash advances made by that person until you have notified us that future transactions are unauthorized.\nNotify us at once at 800-325-3678 of any loss, theft, disappearance or possible unauthorized use of your Card or any Convenience Check.\n12. Change of Address. We will send all account statements and any other notices or communications concerning this account to your address as shown on\nour records. If you change your address, you must notify us of your new address within 15 days.\n13. Effect of Regulations. These regulations are the entire contract which applies to all transactions on your account even though the sales, cash advance or\ncredit slips you sign may contain different terms. We may amend these regulations from time to time by sending you advance written notice. Your use of the\ncard or the account thereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will\napply to your existing account balance as well as to future transactions. Our delay or failure to exercise any of our rights is not a waiver of those rights, and no\nwaiver or modifications of these Regulations is valid unless it is in writing and signed by us. You authorize us to investigate your credit standing at any time and\nto disclose to others information relating to your credit experience with us.\nBILLING RIGHTS SUMMARY\nWhat to Do If You Think You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at Customer Service, PO Box 30495, Tampa, FL 33630. In your letter, give us the following\ninformation:\n\xe2\x80\xa2\nAccount information:\nYour name and account number\n\xe2\x80\xa2\nDollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of Problem:\nIf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You may\ncall us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not\nthere has been an error, the following are true:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we\nmade 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\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\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 correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase. To 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 must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you\nthe 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 accesses your credit card\naccount 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 Customer Service, PO Box 30495,\nTampa, FL 33630. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nMilitary Lending Act\nMilitary Lending Act Protections. Under the Military Lending Act, the following statement applies to covered borrowers (Active Duty service members and their\ndependents) with accounts established on or after October 3, 2017:\n\xe2\x80\x9cFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost\nof 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; fees for ancillary products sold in connection with the\ncredit transactions or any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\xe2\x80\x9d If you would like to hear the statement above and/or hear your credit card account\npayment obligation communicated to you orally, please call 844.334.3810\nPROTECT YOUR BILLING RIGHTS; KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\n\n11.17\n\n\x0c'