b'\xef\x85\x8c\n\nSMART SEARCH\n\n\xef\x85\x8d\n\n\xef\x85\x86\n\nC O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n(/)\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nVISA\xc2\xae CARDHOLDER AGREEMENT\n\xef\x8f\xae\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMENU\n\n\xef\x85\x8e\n\nUPDATED 3/18/2021\nIn this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the cardholder or holders and anyone else you\nauthorize to use the credit card account. The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour\xe2\x80\x9d mean Eastman Credit Union.\nThe word \xe2\x80\x9caccount\xe2\x80\x9d means your Visa\xc2\xae credit card line of credit.\n\n1. OTHERS USING YOUR ACCOUNT. You agree to be responsible for all obligations incurred through\nthe authorized use of the account. Use of the account by you or by anyone for your bene t, or with your\nactual, implied or apparent authority shall be authorized use. Until you notify us in writing to the\ncontrary, use of the account by your spouse or children or any person who is a member of your\nimmediate household shall be an authorized use.\n\n2. AGREEMENT TO TERMS. In accordance with your request, we have opened an account for you.\nYour signature on the application, your retention of the Card, and/or your use of the account in any way\nmeans you agree to the terms of this Agreement and the provisions of the Card itself. This Agreement\ngoverns your Account and use of the Card we have issued to you. We will pay member merchants for\ngoods and services you obtain by use of the Card and make other loans to you on terms explained later\nin this Agreement. You authorize us to charge your Account for all such amounts, and for other amounts\nadvanced to third parties on your behalf. This includes without limitation, any amounts we advance on\nyour behalf as a result of any Card related services o ered by Visa U.S.A., Inc.\n\n3. PROMISE TO PAY. You promise to pay the total amount owed for any goods and services purchased\nor cash advances obtained through the authorized use of the Account. You also promise to pay any\nFINANCE CHARGES, fees or other charges you owe. If your Account is a joint account, you and your\njoint account holder each promise to pay and are jointly and individually responsible for all amounts due\non the Account. We may issue additional Cards to other persons you authorize to use your Account if\neither Borrower asks us to do so. However, you are responsible for all charges made by any person(s)\nyou have authorized to use your account.\n\n\x0c(/)\n\n4.\xef\x85\x8c\nCREDIT\nwill be\nedI OofN Syour\nYou\nS M A R TLINE.\nS E A R CYou\nH\nLO C AT\n( H T TCredit\nP S : / / WLine\nW W. E(limit).\nC U. O R G\n/ B R promise\nA N C H E S ) that the total balance of\n\xef\x85\x8d noti\npurchases and cash advances will not exceed that limit. You may request an increase in your Credit\nLine, which must be approved by our credit committee or loan o cer. By giving you written notice our\ncredit committee may change your interest rate from time to time, or with good cause, may change your\nCredit Line or revoke your card and terminate this agreement. Good cause includes your failure to\nCRLO\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 C O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x84\xbb E C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\ncomply with this Agreement, or our reevaluation of your creditworthiness. You may also terminate this\nAgreement at any time but termination by either of us does not a ect your obligation to pay the account\nbalance. The cards remain our property and you must recover and surrender to us all cards upon our\nrequest and upon termination of this Agreement. (Cut them in half for safety.)\n\xef\x8f\xae\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMENU\n\n\xef\x85\x8e\n\n5. MINIMUM PAYMENTS. You can make full payment at any time. If you don\'t, you must make the\nminimum payment shown on your statement within 25 days of the closing date re ected on the\nstatement. Your minimum payment will be 2.5% of your new balance as shown on your statement, but at\nleast $25.00. However, if the new balance as shown on your statement is less than $25.00 you pay only\nthe balance owed. Any charge exceeding your credit limit will be re ected in your new balance as\nshown on your statement. Amounts exceeding your credit limit are subject to the minimum payment\nrequirements as set forth above.\n\n6. IRREGULAR PAYMENTS. You agree that we may accept partial payments of amounts due or late\npayments without losing any of our rights under this Agreement. You also agree that we may accept\nchecks and money orders marked "payment in full" or otherwise purporting to be in full satisfaction of\nyour outstanding balance without accepting any such condition or losing any of our rights in this\nAgreement.\n\n7. HOW WE APPLY YOUR PAYMENTS. Loan payments are applied in the following order: unpaid\nnance charges, previously billed miscellaneous charges (i.e. Late Fee(s), Debt Protection Premium(s), if\napplicable), and principal reduction. The principal reduction portion of the payment is credited to\nbalances in the following order: cash advance, balance transfer, and nally purchases.\n\n8. FINANCE CHARGES. You can avoid FINANCE CHARGES (interest) on purchases by paying the full\namount of the New Balance of Purchases each month within 25 days of your statement closing date.\nOtherwise, the New Balance of Purchases, and subsequent purchases from the date they are posted to\nyour account will be subject to a FINANCE CHARGE. Cash advances are always subject to a FINANCE\nCHARGE from the date they are posted to your account. FINANCE CHARGES are calculated using the\naverage daily principal balances of purchases and cash advances in the account. The principal balances\nof purchases and cash advances are determined each day during the statement period, beginning with\nthe principal portion of your Previous Balances, reduced by payments you make and credits we apply,\nand increased by purchases and cash advances you make and debit adjustments we make during the\n\n\x0cstatement period. The daily principal balances are totaled, and divided by the number of days in the\nstatement period, to produce separate average daily principal balances for purchases and cash\nEARCH\nC AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\xef\x85\x8c S M A R TtoSwhich\n\xef\x85\x8d LOrate\nadvances\nthe periodic\nis then applied.\n(/)\n\n9A. VARIABLE RATE ACCOUNTS. If your Visa account has a variable rate, your interest rate is based on\nCRLO\nSEEC U -aOmargin\nC O N TAC\nT (H\nT T P S : / / W Win\nW.the\nE C U.\nO R GStreet\n/ C O N TAC\nT)\nC U last\nO N L business\nI N E ( H T T P day\nS : / / Wof\nW W.\nU. O\nG /plus\nNLINE)\n\xef\x84\xaa\n\xef\x85\x86 Prime\n\xef\x84\xbb Ethe\nthe\nRate\npublished\nWall\nJournal\non\ntheE Cmonth\nthat is based on your creditworthiness. Your interest rate will change if the Prime Rate changes. Any\nchanges in your interest rate will a ect the amount of interest you pay and your minimum payment. The\ninterest rate will be adjusted on the rst day of the billing cycle following the prime rate change. If two\nrates are\nreported in the Journal, the higher rate will be used. Your maximum percentage\nrate can be\nMENU \xef\x85\x8e\n\xef\x8f\xae U P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n18.00% (Daily periodic rate 0.04932%). Any request for a change in your account could result in a\nchange in your rate and terms. Please contact ECU for a copy of current rate information, or see your\nnoti cation of cardholder approval for your rate.\n\n9B. FIXED RATE ACCOUNTS. If your Visa account has a xed rate, Eastman Credit Union will set the\nANNUAL PERCENTAGE RATE based on your creditworthiness. Your xed ANNUAL PERCENTAGE RATE\nis between 9.90% (Daily periodic rate 0.02712%) and 18.00% (Daily periodic rate 0.04932%). (See your\nnoti cation of cardholder approval for your rate.)\n\n10. DISPUTES. You agree to accept monthly statements we mail you as being correct unless you notify\nEastman Credit Union (423-229-8200 or 800-999-2328) of any alleged errors within the time period\nprescribed by law. Your rights to dispute billing errors are set forth in this Agreement. Even though an\namount is in dispute you understand that you must pay the required minimum payment that is due less\nthe portion attributable to the disputed amount. If there is a problem with merchandise or services\nobtained with the Card, you may have the right not to pay the remaining amount due on them. An\nexplanation of your rights is stated later in this agreement. We will have no responsibility for\nmerchandise or services purchased with the Card unless required by law.\n\n11. FAILURE TO HONOR CARD. We are not responsible if anyone refuses to honor the Card.\n\n12. CHANGE OF NAME, ADDRESS OR EMPLOYMENT. You agree to give us your new information if you\nmove, change your name or change your employment. You will write this information on the payment\nstub of your periodic statement and return it with your monthly payment so we can change our records.\n\n13. FINANCIAL AND OTHER INFORMATION. You agree to promptly provide us, from time to time upon\nrequest, with current information regarding you and your nancial a airs. You authorize us to receive,\nfrom time to time, information from others concerning you and your credit accounts, and to answer\n\n\x0cquestions from others regarding our credit experience with you.\n\xef\x85\x8c\n(/)\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n14. LOST OR STOLEN CARD/UNAUTHORIZED USE. If you report your card as lost/stolen or having\nbeen used without authorization upon discovering the loss, your liability is zero. There may be\nexceptions to the extent allowed under applicable law if our investigation reveals you failed to take\nCRLO\nT ( H Tto\nT Pprevent\nS : / / W W W.\nE C U. O R G / C O Nuse\nTACof\nT ) your\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 C O N TAC\n\xef\x84\xbb card.\nnecessary\nsteps\nunauthorized\n\nYou agree to notify us promptly of the loss, theft, or possible unauthorized use of the Card by calling the\nfollowing\nnumber(s):\n(Call\ncollect\n423-229-8200\nE PERSON\nAL IN\nF O ( H TifT necessary)\nP S : / / W W W. E C\nU. O R G / U P DAT E or\nC O1-800-999-2ECU.\nN TAC T I N F O )\nMENU \xef\x85\x8e\n\xef\x8f\xae U P DAT\n\n15. NOTICES. If we have to notify you of anything concerning your credit card account, we will use your\nname and address as it appears in our records. If we do this, the notice will be e ective.\n\n16. AUTOMATED EQUIPMENT. Transactions e ected with electronic equipment shall be subject to the\nrules and regulations applicable to the use of such equipment. You agree that we will incur no liability by\nreason of any failure of automated teller machines or similar equipment.\n\n17. SECURITY INTEREST. To secure your account, you grant us a purchase money security interest\nunder the Uniform Commercial Code in any goods you purchase through the account. You have also\ngranted us a security interest in all individual and joint share and/or deposit accounts you have with\nus now and in the future with the exception of Individual Retirement Accounts or other similar\naccounts receiving special tax treatment. Collateral securing other loans may also secure this\naccount.\n\n18. DEFAULT. You will be in default if you fail to make any payment when due, exceed your credit limit\nunder any account, die, le or otherwise become subject to any bankruptcy or insolvency proceedings\nor do not comply with any of the terms governing any account with us. You will also be in default if\nsomething happens that we believe may seriously a ect your ability to repay what you owe under this\nAgreement. If you default, we may, at our option, declare any amounts you owe under any or all\naccounts to be immediately due and payable. Also, we may revoke the privileges attaching to any or all\nCard(s), adjust the Annual Percentage Rate due to adverse conditions, cancel the Card(s) and terminate\nthis Agreement as to future Purchases and Cash Advances.\n\n19. COLLECTION COSTS. You promise to pay all collection costs, including attorneys\xe2\x80\x99 fees in the\namount of 25% of the outstanding balance on your account or as permitted by law.\n\n\x0c(/)\n\n20.\nand\nothers\nhonor\nS M A R T S E A AND\nR C H ADJUSTMENTS.\nS (HTTPS://W\nW W.\nE C U. Owho\nRG/BR\nA N C Hthe\nE S ) Card may give credit for\n\xef\x85\x8c RETURNS\n\xef\x85\x8d LO C AT I O NMerchants\nreturns or adjustments, and they will do so by sending us a credit slip which we will post to your\naccount. If your credits and payments exceed what you owe us, we will deposit the excess funds in your\nregular share account no later than 6 months after the statement date following the excess credit or\npayment. If you want ECU to deposit the excess funds in your regular share account sooner, you may\nCRLO\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 C O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x84\xbb E C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\ncontact ECU at 800-999-2328. It is the seller\'s responsibility to promptly mail or deliver the credit to us\nso we can credit your account. We aren\'t responsible for the seller\'s failure to mail or deliver the credit\npromptly.\n\xef\x8f\xae\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMENU\n\n\xef\x85\x8e\n\n21. LATE/COLLECTION CHARGE. You promise to pay a late/collection charge if we have not received\nthe minimum payment within 15 days after the end of your permitted 25-day payment period. (The\npermitted 25-day payment period is explained under the "Minimum Payments" section.) The\nlate/collection charge will be $25.00 or an amount equivalent to your monthly minimum payment,\nwhichever is less. However, you will not be required to pay a late/collection charge more than once on\nthe same late amount, even if that amount remains past due for more than one billing period. You agree\nnot to use your account to make purchases or cash advances from the time a late/collection charge is\nimposed until you bring your account current by making the minimum payment which you have failed to\nmake.\n\n22. DRAFTS/BALANCE TRANSFERS. We may issue Drafts for use with your Account or process\nbalance transfer requests on your Account. The amount of each Draft or balance transfer will be\ncharged to your Account as a Cash Advance. There is no charge for supplying Drafts or processing\nbalance transfer requests. Drafts must be used only by the account holder and must be completed and\nsigned in the same way as a regular personal check. You may use the Drafts issued the way you use\nregular checks, however, you cannot use a draft to pay any amount owed under the Agreement. We\nreserve the right to refuse payment of any Draft presented under the following circumstances:\n\n(a) If you are in default under this Agreement.\n(b) If your right to use Drafts is cancelled or suspended.\n\n23. CHANGES IN AGREEMENT. You agree that the terms of this Agreement may be changed from time\nto time upon notice, when required by law, being placed in the mail not less than 45 days prior to the\ne ective date of the change. Any such changes shall be applicable to all balances outstanding on the\ne ective date of the change.\n\n\x0c24. INVALIDITY. If one or more provisions of this agreement are declared invalid or unenforceable, the\nremaining conditions and terms stand on their own and won\'t be a ected.\n\xef\x85\x8c\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n(/)\n\n25. WHAT LAW APPLIES? This agreement and all transactions under it will be governed by laws of the\nState of Tennessee and the laws of the United States.\n\xef\x85\x86\n\nC O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\n26. ILLEGAL TRANSACTIONS. You agree that you will not use your Account/Card to engage in any\nillegal activities, including but not limited to Online Gambling. If you use your Account/Card to engage in\nany\xef\x8f\xaeillegal\nactivities\nliable\nfor\nU P DAT\nE P E R S Oyou\nN A L will\nI N F nevertheless\nO ( H T T P S : / / W Wbe\nW. E\nC U. O R\nG / these\nU P DATactivities.\nE C O N TAC T I N F O )\nMENU \xef\x85\x8e\n\n27. CHARGES MADE IN FOREIGN CURRENCY (International transactions). If you incur a charge in\nforeign currency, it will be billed to your account in U.S. Dollars. The exchange rate between the\ntransaction currency and the billing currency used for processing international transactions is a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate Visa itself receives or the governmentmandated rate in e ect for the applicable central processing date. Please note that a credit to your\naccount may not be fully o set due to changes in the exchange rate; therefore, you will be responsible\nfor the di erence.\n\n28. CASH REWARDS PROGRAM. Applicable only if you have the ECU Cash Rewards Visa. You will\nearn one percent (1%) cash back (the \xe2\x80\x9cCash Reward\xe2\x80\x9d) on Net Purchases made with the Card. Net\npurchases are earned based on new net retail transactions ("Net Purchases" i.e. purchases less credits,\nreturns and adjustments) charged to the Account during each periodic billing cycle. When a purchase or\ntransaction is not a whole dollar amount, any fraction equal to or greater than $0.50 will be rounded up\nto the nearest whole dollar and any fraction equal to or less than $0.49 will be rounded down to the\nnearest whole dollar. Transactions that are not eligible for Cash Rewards include, but are not limited to,\ncash advances including ATM withdrawals, money orders, balance transfers, convenience checks, drafts,\nfees, interest charges and travelers check purchases. Earned Cash Rewards will be itemized on your\nperiodic statement and will indicate total amount of cash rewards earned during the statement month\nand total amount of cash rewards available for redemption. We reserve the right to exclude from Net\nPurchases unauthorized Purchases (or which are later returned or disputed) and Purchases which are\nadded to your Account after you are past due or over limit. We reserve the right to add other\ntransactions to the list of ineligible transactions at our discretion and at any time. Any questions\nregarding eligibility of transactions shall be determined by us in our sole discretion. This program is void\nwhere prohibited or restricted by law. You are responsible for any federal, state or local income or other\ntaxes. We reserve the right to modify, amend or terminate the Cash Rewards Program at any time.\n\n\x0c(/)\n\n29. CASH REWARDS REDEMPTION. Applicable only if you have the ECU Cash Rewards Visa. You may\nrequest reward redemption at any point after reward amount reaches $25.00. Rewards will not be given\nMART SEARCH\nC AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\xef\x85\x8d LOReward\nin\xef\x85\x8c\nanSamount\nless than $25.00.\nshall be deposited by ACH into the ECU account of your choice.\nRewards shall be requested through ECU\xe2\x80\x99s Online Banking or via a request to us. Your Account must be\nopen and in good standing at the time of redemption. We reserve the right to suspend your participation\nin the Cash Rewards Program until your Account is in good standing.\n\xef\x85\x86\n\nC O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\n30. USE OF CARD. Use of the card signi es agreement to the current conditions set forth by the\nnancial institution.\n\xef\x8f\xae\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMENU\n\n\xef\x85\x8e\n\n31. MILITARY LENDING ACT MEMBERS. Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees\nfor speci ed credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). Please call us at 1-877-230-3362 to receive disclosures\norally.\n\nInterest Rates and Interest Charges\n\nCLASSIC\n\nPROGRAM\n\nCLASSIC\n\nVARIABLE\xc2\xb9\n\nFIXED\n\nBased on Prime Rate plus a margin based on\nyour creditworthiness. You will be informed of\nyour speci c APR before you become\ncontractually liable for the account. Your\ninterest rate may change.\n\nEastman Credit Union will set your xed APR\nbased on your creditworthiness. You will be\ninformed of your speci c APR before you\nbecome contractually liable for the account.\n\nPLA\nPREF\nF\n\n\x0c\xef\x85\x8c\n(/)\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT IMinimum\nONS (HTTPS\n: / / Wrate\nW W. E C U. O R G / B R A N C H E S )\nxed\n\nAnnual\n10.90%\nPercentage\nRate\nto a Maximum xed rate\n(APR)\xc2\xb3\n\xef\x85\x86 C O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x84\xbb ECU ONLINE\n18.00%\nfor\nBased on creditworthiness\nPurchases\n\xef\x8f\xae\n\nAPR may vary.\nCurrently\n7.75% to\n\nCRLO\n( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\n18.00%\n\nMENU\n\n\xef\x85\x8e\nAPR may vary.\n\nAPR\xc2\xb3\n\n10.90%\n\nCurrently\n\nfor\n\nto a Maximum xed rate\n\n7.75% to\n\n18.00%\n\n18.00%\n\nBased on creditworthiness\n\nBased on creditworthiness\n\nMinimum xed rate\n\nAPR may vary.\n\nAPR\xc2\xb3\n\n10.90%\n\nCurrently\n\nfor\n\nto a Maximum xed rate\n\n7.75% to\n\nCash\n\n18.00%\n\n18.00%\n\nAdvances\n\nBased on creditworthiness\n\nBased on creditworthiness\n\nNA\n\nNA\n\nPenalty\nAPR and\nWhen It\nApplies\n\n9\n\nBased on creditworthiness\n\nMinimum xed rate\n\nBalance\nTransfers\n\nLow\n\nLow\n9\n\nLow\n9\n\n\x0c\xef\x85\x8c\n(/)\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\nYour due date is at least 25 days after the\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nclose of each billing cycle. We will not charge\nyou any interest on purchases if you pay your\nyou any interest on purchases if you pay your\nentire balance by the due date each month.\nentire balance by the due date each month.\nCRLO\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 C O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x84\xbb E C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nWe will begin charging interest on cash\nWe will begin charging interest on cash\nPAYING\nadvances and balance transfers on the\nadvances and balance transfers on the\nINTEREST\ntransaction date.\ntransaction date.\n\xef\x8f\xae\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMinimum\nInterest\nCharge\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nMENU\n\nYour due date is at\nclose of each billing c\nyou any interest on p\nentire balance by the\nWe will begin cha\nadvances and bal\ntransac\n\n\xef\x85\x8e\n\nNA\n\nNA\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at\n\nTo learn more about f\napplying for or usin\nwebsite of the Consu\nBur\n\nhttps://www.consumer nance.\n(https://www.consumer nance.gov/learnmore/)\n\nhttps://www.consumer nance.\n(https://www.consumer nance.gov/learnmore/)\n\nhttps://www.c\n(https://www.consume\n\ngov/learnmore\n(https://www.consumer nance.gov/learnmore/)\n\ngov/learnmore\n(https://www.consumer nance.gov/learnmore/)\n\ngov/le\n(https://www.consume\n\nFees\n\nAnnual Fee\nNONE\n\nNONE\n\nNONE\n\n\x0c\xef\x85\x8c\n(/)\n\nTransaction\nSMART SEARCH\nFees\n\n*Balance\nTransfer\n\xef\x85\x86\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\nNONE\n\nC O*Cash\nN TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\nNONE\n\xef\x84\xbb\n\nNONE\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nAdvance\nNONE\n\xef\x8f\xae\n\nNONE\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nVisa\xc2\xae\nInternational\nService\nAssessment\n(ISA) Fee\n\nNONE\n\nMENU\n\n\xef\x85\x8e\n\nNONE\n\nNONE\n\nNONE\n\nUp to $25\n\nUp to $25\n\nUp to $25\n\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nPenalty\nFees\n\n*Late\nPayment\n*Over-theCredit Limit\n*Returned\nPayment\n\n\xc2\xb9The U.S. Prime Rate used to determine your APRs for each billing period is the U.S. Prime Rate\npublished in the Wall Street Journal on the last business day of the month. If two rates are reported, the\nhigher rate will be used.\n\xc2\xb2Platinum Preferred o ers a Rewards Program \xe2\x80\x93 for every dollar spent (purchases only), you earn at least\none point toward various gift items and travel services.\n\xc2\xb3APR information is accurate as of March 18, 2021, and may change after that. To nd out what may have\nchanged, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.\nIllinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative\ninformation on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181,\nSpring eld, IL 62791 or 800-634-5452. Visa\xc2\xae is a federally registered service mark of Visa U.S.A., Inc.\n\n\x0c(/)\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases)\xe2\x80\x9d. See your account agreement for more details.\n\xef\x85\x8c SMART SEARCH\n\xef\x85\x8d LO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nMinimum Monthly Payment \xe2\x80\x93 2.5% of your new balance, but at least $25.00. Balances under $25.00\nCRLO\nO Npaid\nTAC T in\n( Hfull.\nT T P S : / / W W W. E C U. O R G / C O N TAC T )\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 Cbe\n\xef\x84\xbb E C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nmust\n\nInterest\nE P E R Sand\nO N AInterest\nL I N F O ( HCharges\nT T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\xef\x8f\xae U P DATRates\n\nPROGRAM\n\nMENU\n\n\xef\x85\x8e\n\nCLASSIC SECURE\n\nECU CASH REWARDS\xc2\xb9\n\nFIXED\n\nFIXED\n\nEastman Credit Union will set your xed APR\nbased on your creditworthiness. You will be\ninformed of your speci c APR before you\nbecome contractually liable for the account.\n\nEastman Credit Union will set your xed APR\nbased on your creditworthiness. You will be\ninformed of your speci c APR before you\nbecome contractually liable for the account.\n\nMinimum xed rate\n\nMinimum xed rate\n\nAnnual\nPercentage\nRate (APR)\xc2\xb2\n\n10.90%\n\n12.90%\n\nto a Maximum xed rate\n\nto a Maximum xed rate\n\nfor\n\n18.00%\n\n17.90%\n\nPurchases\n\nBased on creditworthiness\n\nBased on creditworthiness\n\nMinimum xed rate\n\nMinimum xed rate\n\nAPR\xc2\xb2\n\n10.90%\n\n12.90%\n\nfor\n\nto a Maximum xed rate\n\nto a Maximum xed rate\n\nBalance\nTransfers\n\n18.00%\n\n17.90%\n\nBased on creditworthiness\n\nBased on creditworthiness\n\n\x0c\xef\x85\x8c\n(/)\n\n\xef\x85\x86\n\nMinimum xed rate\n\nMinimum xed rate\n\nAPR\xc2\xb9\n\n10.90%\n\n12.90%\n\nfor\n\nto a Maximum xed rate\n\nto a Maximum xed rate\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n18.00%\nC OCash\nN TAC T ( H T T P S : / / W W W. E C U. O R G / C O N\nTAC T )\n\nAdvances\n\n\xef\x8f\xae\n\n\xef\x84\xbb\n\n17.90%\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O\nNLINE)\n\nBased on creditworthiness\n\nBased on creditworthiness\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nPenalty\nAPR and\nWhen It\nApplies\n\nPAYING\nINTEREST\n\nMinimum\nInterest\nCharge\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nMENU\n\n\xef\x85\x8e\n\nNA\n\nNA\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou any interest on purchases if you pay your\nentire balance by the due date each month.\nWe will begin charging interest on cash\nadvances and balance transfers on the\ntransaction date.\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou any interest on purchases if you pay your\nentire balance by the due date each month.\nWe will begin charging interest on cash\nadvances and balance transfers on the\ntransaction date.\n\nNA\n\nNA\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at\n\nhttps://www.consumer nance.gov/learnmore\n(https://www.consumer nance.gov/learnmore/)\n\nhttps://www.consumer nance.gov/learnmore\n(https://www.consumer nance.gov/learnmore/)\n\n\x0c\xef\x85\x8c\n\nSMART SEARCH\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n(/)\n\nC O N TAC T\n\xef\x85\x86Fees\n\n\xef\x8f\xae\n\n( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nMENU\n\n\xef\x85\x8e\n\nAnnual Fee\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nNONE\n\nTransaction Fees\n\n*Balance Transfer\n\n*Cash Advance\n\nVisa\xc2\xae\nInternational\nService\nAssessment\n(ISA) Fee\n\nNONE\n\nNONE\n\n\x0cPenalty Fees\n\xef\x85\x8c SMART SEARCH\n(/)\n\n\xef\x85\x8d\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n*Late Payment\nUp to $25\nC O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x85\x86*Over-theCredit Limit\nNONE\n\n*Returned\n\xef\x8f\xae U P DAT E\nPayment\n\nUp to $25\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nNONE\n\nP E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nNONE\n\nNONE\n\nMENU\n\n\xef\x85\x8e\n\n\xc2\xb9ECU Cash Rewards o ers a reward program that for every dollar spent (net purchases only), you earn at\nleast 1% cash. Please review your Cardholder Agreement for complete details.\n\xc2\xb2APR information is accurate as of March 18, 2021, and may change after that. To nd out what may have\nchanged, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.\nIllinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative\ninformation on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181,\nSpring eld, IL 62791 or 800-634-5452. Visa\xc2\xae is a federally registered service mark of Visa U.S.A., Inc.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases)\xe2\x80\x9d. See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nMinimum Monthly Payment \xe2\x80\x93 2.5% of your new balance, but at least $25.00. Balances under $25.00\nmust be paid in full.\n\nYOUR BILLING RIGHTS- KEEP THIS NOTICE FOR FUTURE USE\n\nThis notice contains important information about your rights and our responsibilities under the Fair Credit\nBilling Act.\n\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL\n\nIf you think your bill is wrong, or need more information about a transaction on your bill, write us on a\nseparate sheet at:\n\n\x0c\xef\x85\x8c\n(/)\n\nS M A R T S EEastman\nARCH\n\nCredit\nLO C AT I O N S\n\xef\x85\x8d Union\n\n( H T T P S : / / W WPhone\nW. E C U.-O1-800-999-2328\nRG/BRANCHES)\n\nCard Services\n\nFax -\n\n1-423-578-7626\n\nP. O. Box 1989\n\xef\x85\x86\n\nC O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\nKingsport, TN 37662\n\n\xef\x84\xbb\n\nCRLO\nE C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U - O N L I N E )\n\nWrite to us as soon as possible. We must hear from you no later than 60 days after we have sent you\nthe rst bill on which the error or problem appeared. You can telephone us, but doing so will not\npreserve your rights. If you prefer to contact ECU directly, you may write us at ECU Card Services P.O.\nMENU\n\xef\x8f\xae U P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\nBox 1989 Kingsport, TN 37662 or call 1-800-999-2328. You may also email your request\xef\x85\x8e\nvia secure email\nat https://securemail-ecu.org (https://securemail-ecu.org/s/login?b=ecu). Login/register, click on\n\xe2\x80\x98Compose\xe2\x80\x99 and submit to ecenter@ecu.org (mailto:ecenter@ecu.org). If your card is reported as being\nblocked due to fraud or dispute after ECU\xe2\x80\x99s normal business hours, additional information will be\nnecessary so please contact ECU (800-999-2328, X7496) the following business day.\n\nWhether you report the error or problem by letter or phone, please provide:\n(a) Your name and account number\n(b) The dollar amount of suspected error.\n(c) Describe the error and explain, if you can, why you believe there is an error. If you need more\ninformation, describe the item you are not sure about.\nIf you have authorized ECU to pay your credit card bill automatically from your share or share draft\naccount, you can stop the payment of any amount you think is wrong. To stop the payment, a separate\nletter must reach us three business days before the automatic payment is scheduled to occur. Mail to:\nECU Card Services, P.O. Box 1989, Kingsport, TN 37662\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\n\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90\ndays, we must either correct the error or explain why we believe the bill was correct. After we receive\nyour letter, we cannot try to collect any amount you question, or report you as delinquent. We can\ncontinue to bill you for the amount you question, including nance charges. We can apply any unpaid\namount against your credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay parts of your bill not in question.\nIf we nd that we made a mistake on your bill, you will not have to pay the amount in question or any\nnance charges or other fees related to any questioned amount. If we didn\'t make a mistake, you will\nhave to pay the amount in question, along with applicable nance charges and fees. In either case, we\nwill send you a statement of the amount you owe and the date that it is due.\n\n\x0c(/)\n\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our\nexplanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay,\nSMART SEARCH\nC AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\xef\x85\x8cmust\n\xef\x85\x8d LOyou\nwe\ntell anyone we report\nto that you have a question about your bill. And, we must tell you the\nname of anyone we reported you to. We must tell anyone we report you to that the matter has been\nsettled between us when it nally is.\nIf we don\'t follow these rules, we can\'t collect the rst $50 of questioned amount, even if your bill was\nCRLO\nU. O\nG /SEEC U - O N L I N E )\n\xef\x85\x86 C O N TAC T ( H T T P S : / / W W W. E C U. O R G / C O N TAC T )\n\xef\x84\xbb E C U O N L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\ncorrect.\n\nSPECIAL RULE FOR CREDIT CARD PURCHASES\nMENU\n\xef\x8f\xae U P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\nIf you are dissatis ed with the goods or services that you have purchased with a credit card and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, the following must be true:\n\n\xef\x85\x8e\n\n(a) You must have made the purchase in your home state, or if not within your home state, within 100\nmiles of your current mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n(b) You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\n(c) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatis ed with the purchase, contact us in writing at:\nECU Card Services P.O. Box 1989 Kingsport, TN 37662\n\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we nish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n\n\x0c\xef\x85\x8c\n(/)\n\nEastman Credit Union\n\xef\x85\x86\n2021 Meadowview Lane\n\n\xef\x8f\xae\n\n\xef\x89\x8d\n\n\xef\x84\xbc\n\nATMs & Branches (/Branches)\n\nPhone: 800.999.2328 (tel:800.999.2328)\n\n\xef\x89\x83\n\nABOUT\n\nLO C AT I O N S ( H T T P S : / / W W W. E C U. O R G / B R A N C H E S )\n\n(/About-ECU)\nC O N TAC T About\n( H T T PECU\nS://W\nW W. E C U. O R G / C O N TAC T )\n\nKingsport, Tennessee 37660\n\n\xef\x88\xb1\n\n\xef\x85\x8d\n\nSMART SEARCH\n\nCareers (/HR-Sta ng)\nNews & Events (/News)\n\nSERVICES\n\n\xef\x84\xbc\n\n(/Product-Landing-Pages/Loans)\nRates\nCRLO\nECU O\nN L I N E ( H T T P S : / / W W W. E C \xef\x84\xaa\nU. O\nG /SEEC U\n- O N L(/Rates/Personal-BankingINE)\n\xef\x84\xbbLoans\nRates/Checking-Rates)\n\nPersonal Banking (/Product-LandingPages/Personal-Banking)\n\nEducational Resources\n\nInvestments & Retirement (/Product-\n\nU P DAT E P E R S O N A L I N F O ( H T T P S : / / W W W. E C U. O R G / U P DAT E C O N TAC T I N F O )\n\nNewsletter (/About-ECU/Newsletter)\n\nRESOURCES\n\n\xef\x84\xbc\n\nLanding-Pages/Investments-\n\nMENU\n\n(/Resources/Educational-Resources)\n\n\xef\x85\x8e\n\nRetirement)\n\n(https://www.facebook.com/ECUBesideYou/)\n(https://twitter.com/ecubesideyou)\n(https://www.youtube.com/channel/UCLpqT68o7p0oG6bNH07YYtA)\nBusiness Banking (/Product-Landing-\n\nCalculators (/Resources/Calculators)\nReport Lost/Stolen Card (/Report-aLost-of-Stolen-Card)\n\nPages/Business-Services)\nJ O I N T O D AY\n\nECU Title & Escrow (/Product-LandingPages/Loans/Mortgage-Loans/ECUTitle-Escrow)\n\nRouting/Transit Number: 264279350\n\xc2\xa9 2021 Eastman Credit Union. All rights reserved.\nPrivacy Policy (/Privacy-Policy) | CA Privacy Policy (/PrivacyPolicy/California-Privacy-Policy) | Web Accessibility Statement (/PrivacyPolicy/ECU-Web-Accessibility-Statement)\n(/ECU/media/ECU/Policies%20and%20Disclosures/EqualHousing-Opportunity-Notice.pdf)\n\n(https://www.ncua.gov/Pages/default.aspx)\nThis Credit Union is federally insured\nby NCUA.\n\n\x0c'


b"MASTERCARD\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\nF1\n\xc2\xae\n\nThis Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n13.55%\nF2\nThis APR will vary with the market based on the Prime Rate.\n13.55%\nF3\nThis APR will vary with the market based on the Prime Rate.\n13.55%\nF4\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases and balance transfers\nif you pay your entire balance by the due date each month. We will\nbegin charging interest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\n1.00%\nF5\n\nof each transaction in U.S. dollars\n\nUp to F6\n$30.00\nUp to F7\n$30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nRush Fee\nCard Replacement Fee\n\nor the amount of the required minimum payment, whichever\n$30.00\nis less, if you are ten or more days late in making a payment.\nor the amount of the required minimum payment, whichever\n$30.00\nis less.\n$30.00\n$5.00\n\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney's fees.\nPeriodic Rates:\nThe Purchase APR is 13.55%\nF12\nwhich is a daily periodic rate of 0.0371%\nF13\n.\nThe Balance Transfer APR is 13.55%\nF14\nwhich is a daily periodic rate of 0.0371%\nF15\n.\nThe Cash Advance APR is 13.55%\nF16\nwhich is a daily periodic rate of 0.0371%\nF17\n.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDTXTR4 (MXC453 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cVariable Rate:\nThe ANNUAL PERCENTAGE RATE is subject to change semi-annually on the first day of the billing cycle to reflect any\nchange in the Index and will be determined by the Prime Rate as listed in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal on the first business day of January and July, to which we add a margin. Any increase in the ANNUAL\nPERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If\nthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 10.30%\nF18\nabove the Index.\nBalance Transfers will be charged at 10.30%\nF19\nabove the Index.\nCash Advances will be charged at F20\n10.30% above the Index.\n\nDTXTR4 (MXC453 CCM003)-e\n\n\x0c"


b'MASTERCARD\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n4.90%\nF2\n\nIntroductory APR, for qualifying members, for a period of\n\nsix months.\nAfter that, or if you do not qualify for the Introductory APR, your APR\n\n8.25%\nF3\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nto 16.30%\nF4\n\nwill be\n, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n4.90%\nF5\nIntroductory APR, for qualifying members, for a period of six\nmonths.\nAfter that, or if you do not qualify for the Introductory APR, your APR\nwill be 8.25%\nF6\nto 16.30%\nF7\n, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\n8.25%\nF8\nto 16.30%\nF9\nwhen you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n1.00%\nF10\n\nof each transaction in U.S. dollars\n\nUp to $30.00 F11\nUp to $30.00 F12\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nPromotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to your account during the first six months following the opening of your account.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of February\nF13\n1, 2016 .\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nRush Fee\nCard Replacement Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n$30.00\nF14\nor the amount of the required minimum payment, whichever is\nless, if you are ten or more days late in making a payment.\n$30.00\nF15\nor the amount of the required minimum payment, whichever is\nless.\n$30.00\nF16\nF17\n$5.00\n\nDTXWO5 (MXC403 CCM003)-e\n\n\x0c'


b"MASTERCARD\nF1\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\n\xc2\xae\n\nThis Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nF4.90%2Introductory APR for a period of six months.\nAfter that your APR will be 8.25%\nF3\n. This APR will vary with the\nmarket based on the Prime Rate.\nF4.90% Introductory APR for a period of six months.\nAfter that your APR will be 8.25%\nF5\n. This APR will vary with the market\nbased on the Prime Rate.\nF6\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases and balance transfers\nif you pay your entire balance by the due date each month. We will\nbegin charging interest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\n1.00%\n\nof each transaction in U.S. dollars\n\nUp to $30.00F8\nUp to $30.00F9\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nPromotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to your account during the first six months following the opening of your account.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nRush Fee\nCard Replacement Fee\n\n$30.000 or the amount of the required minimum payment, whichever is\nless, if you are ten or more days late in making a payment.\n$30.001 or the amount of the required minimum payment, whichever is\nless.\n$30.00\n$5.00\n\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney's fees.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDTXWP5 (MXC453 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cPeriodic Rates:\n4.90% which is a daily periodic rate of F15\nThe Introductory Purchase APR is F14\n0.0134% .\nF17\n.\nThe Purchase APR is F16\n8.25% which is a daily periodic rate of 0.0134%\nThe Introductory Balance Transfer APR is F18\n0.0134% .\n4.90% which is a daily periodic rate of F19\nThe Balance Transfer APR is 8.25%\nF20\nwhich is a daily periodic rate of 0.0134%\nF21\n.\nThe Cash Advance APR is 8.25%\nF22\nwhich is a daily periodic rate of 0.0134%\nF23\n.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE is subject to change semi-annually on the first day of the billing cycle to reflect any\nchange in the Index and will be determined by the Prime Rate as listed in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal on the first day of January and July, to which we add a margin. Any increase in the ANNUAL PERCENTAGE\nRATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no\nlonger available, the Credit Union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 4.75%\nF24\nabove the Index.\nBalance Transfers will be charged at 4.75%\nF25\nabove the Index.\nCash Advances will be charged at 4.75%\nF26\nabove the Index.\n\nDTXWP5 (MXC453 CCM003)-e\n\n\x0c"


b'IMPORTANT INFORMATION TO\nREAD AND SAVE\n\nCARDHOLDER CREDIT CARD\nAGREEMENT AND\nADDITIONAL DISCLOSURES\n(MEMBERSHIP RULES)\n\nCARDHOLDER CREDIT CARD AGREEMENT AND ADDITIONAL DISCLOSURES\nThis agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) sets forth the terms of your Visa Signature credit card account with\nIBERIABANK, a division of First Horizon Bank. Please read this Agreement carefully and keep it for your\nrecords.\nMEANING OF WORDS:\nIn this agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, \xe2\x80\x9cyours\xe2\x80\x9d, and \xe2\x80\x9cBorrower\xe2\x80\x9d mean anyone who signs the Credit\nCard Application or otherwise agrees in writing to be obligated under this Agreement. The words \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean IBERIABANK, a division of First Horizon Bank, a state-chartered bank organized\nunder the laws of the State of Tennessee headquartered at 165 Madison Avenue, Memphis, Tennessee\n38103, and the creditor under this Agreement. The word \xe2\x80\x9cAccount\xe2\x80\x9d means your Credit Card Account with\nus. The word \xe2\x80\x9cCard(s)\xe2\x80\x9d means any Visa Signature Credit Card(s) that IBERIABANK issues on your\nAccount. The word \xe2\x80\x9cPurchases\xe2\x80\x9d means amounts charged to your Account when you use your Card(s) or\ngive your Account number to buy or lease goods or services. \xe2\x80\x9cPurchases\xe2\x80\x9d also means the fees and\ncharges which, when charged to your Account, are treated as purchases and are subject to an\nINTEREST CHARGE. The phrase \xe2\x80\x9cCash Advances\xe2\x80\x9d means loans charged to your Account obtained by\nuse of your Card, your Account number or your Convenience Checks. The phrase \xe2\x80\x9cConvenience Checks\xe2\x80\x9d\nmeans checks charged to your Account which are used to purchase or lease goods or services or obtain\ncash. The phrase \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d means checks charged to your Account which are used to\npay credit or charge accounts at another financial institution or merchant.\nYOUR RESPONSIBILITY:\nThis Agreement applies to any Card(s) we have issued to you. You will be obligated and bound by this\nAgreement the moment you use your Card(s), whether for a Purchase, Balance Transfer or Cash\nAdvance. You also agree to any amendments we may make to this Agreement from time to time by\nmaking a Purchase, Balance Transfer or Cash Advance after the date of any such amendment. If you\napplied for a joint account, each of you will be bound to this Agreement and obligated to pay all amounts\nowing on the Account. Upon request we may issue additional Cards to person(s) you authorize to use the\nAccount. Anyone you authorize to use the Account is also subject to the terms of this Agreement;\nhowever you remain responsible for paying all charges such authorized person(s) make with the Card(s).\nPROMISE TO PAY:\nWhen you use your Account or permit anyone else to use it for a Purchase or Cash Advance, you\npromise to pay us in accordance with the terms of this Agreement, the total amount of all Purchases and\nCash Advances. You also promise to pay any INTEREST CHARGE owing under this Agreement as\nexplained below. We do not waive our rights to collect the full amount due if you pay late or you pay part\nof the bill, even if you write the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d (or similar words) on any correspondence to us.\n\nIBERIABANK, a division of First Horiz on Bank\n\n1\n\n(v. 5/1/2020)\n\n\x0cCREDIT LIMIT:\nYour Account will have a credit limit that we set. We may change the limit at any time and for any reason\nand, if we do, we will notify you promptly thereafter. You agree that the outstanding balance of your\nAccount (including INTEREST CHARGES) will never exceed the credit limit amount, but that if we allow it\nto, which we may, at our sole discretion, you agree to promptly pay us the excess when asked. You can\napply for a higher credit limit at any time if you wish, which will be reviewed according to our then-current\nunderwriting standards, practices and procedures.\nANNUAL MEMBERSHIP FEE:\nYou agree to pay a non-refundable Annual Membership Fee of $99 for your Visa Signature Account. This\nfee will be charged to your Account as a purchase due currently on your first monthly statement after the\nintroductory period and annually thereafter. This fee will continue to be charged until your Account is paid\nin full, with no further credit available. Payment of the Annual Membership Fee does not assure that the\nterms and conditions of your Account will remain unchanged throughout the annual period covered by the\nFee. IBERIABANK may amend this Agreement or cancel your Account at any time in the manner\nprovided in this Agreement. In the event IBERIABANK cancels your Account without cause, IBERIABANK\nwill refund to you a pro rata portion of your Annual Membership Fee based on the time remaining in the\nannual period covered by the Fee. However, a cancellation of your Account shall not be considered to\nhave been without cause if IBERIABANK offers to establish a new Account to replace the canceled\nAccount.\nPURCHASES:\nSubject to available credit, you may use your Card(s) to charge purchases of goods and services\nwherever the Card(s) is/are accepted. Except as provided in the accompanying notice about your rights to\ndispute any billing errors, we will not be responsible to you for any claims about the quality of goods or\nservices purchased with our Card(s). We also are not and will not be responsible for any damage or injury\ncaused by goods or services that you purchase with your Card(s).\nCASH ADVANCES:\nSubject to available credit, you may use your Card(s) to obtain Cash Advances (borrow money) at any\nparticipating bank by presenting your Card(s) and completing a Cash Advance Slip. You may also use\nyour Card(s) to obtain Cash Advances from any Automated Teller Machines (ATMs) that accept the\nCard(s). Cash Advances and ATM Withdrawals will be limited to 50% of your available credit line. You\nagree to pay us a Cash Advance Fee of five percent (5%) of the transaction amount for all such\ntransactions, subject to a minimum fee of $5 and a maximum fee of $100 per transaction. The Cash\nAdvance Fee will apply to all Cash Advances, excluding balance transfers.\nCONVENIENCE CHECKS:\nWe may issue Convenience Checks on your Account and you may use them as regular checks; however,\nyou cannot use a Convenience Check to pay any amount owing on your Credit Card Account under this\nAgreement. Convenience Checks will be treated as Purchases on your Account. We may not pay any\nConvenience Check if, by paying the check, your unpaid balance would exceed your credit limit, you are\nattempting to pay another account you may have with us, if you are in default, or if we have canceled your\ncredit availability. If we decline to pay a Convenience Check for any of the above reasons, we may\ncharge you a fee of up to $37.00.\nBALANCE TRANSFERS:\nWe may permit you to transfer a balance from your credit card account(s) at other financial institutions or\nmerchants; however, we will not pay a Balance Transfer Check if by paying the check your unpaid\nbalance would exceed your credit limit, if the Check was written for a purpose other than transferring the\nbalance of another credit account to your Account with us, if you are in default, or if we have canceled\n\nIBERIABANK, a division of First Horiz on Bank\n\n2\n\n(v. 5/1/2020)\n\n\x0cyour credit availability. If we decline to pay a Balance Transfer Check for any of the above reasons, we\nmay charge you a fee up to $37.00. Balance Transfers will be treated as Purchases.\nYou agree to pay us a Balance Transfer Fee of two percent (2%) of the transaction amount for all\nBalance Transfers accepted. There is no minimum or maximum fee applicable to such transactions. The\nfee will apply to all Balance Transfers.\nMONTHLY STATEMENT:\nAt the end of every monthly billing period, we will send you a billing statement advising you of the status\nof your Account, if there is a balance on it, or if we have imposed an INTEREST CHARGE. This billing\nstatement will include such items as the advances we made for you, the INTEREST CHARGE imposed,\nthe payments we received, the total amount you owe us (the \xe2\x80\x9cNew Balance\xe2\x80\x9d), the minimum payment you\nmust make to us and when that payment is due. The payment due date is twenty-five (25) days from the\nclosing date for billing. As explained below, late payment can result in a Late Fee.\nMINIMUM PAYMENT:\nYou can pay off all your purchases and advances in full each month, or you can pay in monthly\ninstallments. If you decide to pay in installments, your minimum payment due at the end of each\nbilling period will depend on the APRs that apply to your Account, as shown in your monthly\nstatement (Purchase APR, Balance Transfer APR and Cash Advances APR).\nIf all APRs are 23.49% or lower at the end of any billing period, then you must pay us, each\nbilling cycle, a minimum payment of at least $15 or 2% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $15 will be due in full.\nIf any APR is Over 23.49% at the end of any billing period, then you must pay us, each billing\ncycle, a minimum payment of at least $25 or 3% of your outstanding balance, whichever is\ngreater. The minimum payment is rounded up to the next whole dollar and also includes the\ngreater of any past due amounts or amounts that exceed your credit limit. Account balances less\nthan $25 will be due in full.\nLATE FEES:\nIf we do not receive at least the minimum monthly payment, on or before the Payment Due Date shown\non your monthly statement, you may be charged a late fee based on the balance of your Account for each\nsuch late payment up to $37. Late Fees will be identified on your monthly statement and treated as\npurchases due currently.\nDOCUMENT RETRIEVAL AND OTHER FEES:\nA fee of $5.00 will apply per page for requested statement copies. If you make a payment by phone by\ncalling one of our customer service representatives you will be assessed a fee of $7.00 per payment\nmade. If you request a copy of any Sales Slip or Cash Advance Slip, we will charge you $13.00 for each\ncopy provided. However, there will be no charge to you for copies provided in response to a billing error\ninquiry and we determine the error was our fault. We may charge a fee up to $37.00 for any check\nreturned to us, for any reason, as nonpayable. We may charge a fee of $5.00 each time we provide you\nwith an additional or replacement Card at your request. We may charge you a fee of $10.00 each time\nwe stop payment of a Convenience Check or a Balance Transfer Check at your request. We may charge\nyou a fee of $10.00 each time we change the monthly Payment Due Date for your Account at your\nrequest. We may charge you a fee of $15.00 if we delete a Cardholder or an additional authorized Signer\nat your request. You are entitled to have a total of two Cardholders and additional authorized Signers on\nyour Account at no charge. We may charge you a fee of $15.00 for adding any additional Cardholders or\nauthorized Signers. We may charge you a fee of $5.00 for sending you a replacement Personal\nIdentification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) mailer or changing the PIN assigned to you.\n\nIBERIABANK, a division of First Horiz on Bank\n\n3\n\n(v. 5/1/2020)\n\n\x0cAPPLICATION OF PAYMENTS:\nIn accordance with applicable law, we will choose the order in which any Minimum Payment will be\napplied to your indebtedness to us at the time the payment is made. Any payment you make in excess of\nany required Minimum Payment will be applied first to balances with the highest ANNUAL PERCENTAGE\nRATE and then to each successive balance bearing the next highest ANNUAL PERCENTAGE RATE.\nPayments in excess of the required Minimum Payment will not affect your obligation to make future\nrequired Minimum Payments, calculated in accordance with this Agreement, while any balances are\noutstanding. We will allow time for checks and automatic payments to be honored by your bank before\nmaking adjustments to your available credit for future Purchases, Cash Advances or Balance Transfers.\nPayments received after 5:00 p.m. which are mailed to the address on your monthly statement will be\nposted the following business day. From time to time, we may let you skip or reduce one or more monthly\npayments during a year (note, interest will continue to accrue on your Average Daily Balance (as\ndiscussed below) regardless of any skip or reduced payment feature) and/or we may temporarily reduce\nor eliminate certain INTEREST CHARGES on all or a portion of your Credit Card account balance or offer\nyou other special terms. If we do, we will advise you of the scope and duration of the applicable skip or\npromotional feature. All terms and conditions of the agreement unaffected by the skip or promotional\nfeature will continue to apply for the duration of the skip or promotional feature, and when the skip or\npromotional feature ends all affected terms or conditions of the Agreement will resume.\nINTEREST CHARGE:\nEach billing cycle, we will charge interest to you on the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d (as discussed below) for\neach type of transaction on your Account. By type of transaction, we mean Purchases (including those\nmade by Convenience Checks), Cash Advances, Balance Transfers, and any transactions subject to\nspecial offers, etc. To calculate the INTEREST CHARGE owed on your Account for each billing cycle, we\nfirst determine the Average Daily Balance for each type of transaction during the billing cycle. Next, we\napply the applicable interest rate (i.e., the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d as discussed below) to the Average\nDaily Balance. Then, we multiply the resulting amount by the number of days in the billing cycle. After\ncalculating the amount of interest owed for each type of transaction during the billing cycle (i.e.,\nPurchases, Cash Advances, Balance Transfers), we add together these amounts to determine the total\nINTEREST CHARGE owed on your Account for the billing cycle.\nFor example, the INTEREST CHARGE on Purchases for a billing cycle is computed by applying the\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d to the Average Daily Balance. To get the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d applicable to\nthe current billing cycle, the Annual Percentage Rate (APR) in effect is divided by 12. The \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d of Credit Purchases is determined by dividing the sum of the daily balances of Purchases\n(including new Purchases) during the billing cycle by the number of days in the cycle.\nAVOIDING INTEREST CHARGES ON PURCHASES:\nYour payment due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay the entire New Balance by the payment due date each billing cycle.\nExcept as described in the preceding sentence, if you do not pay your entire balance by the payment\ndue date, we will start charging interest on each new Purchase on the later of (1) the date you make the\nPurchase, or (2) the first day of the billing cycle in which we add the Purchase to your Account.\nIf you are charged interest on Purchases, the minimum INTEREST CHARGE for any billing cycle is\n$0.50.\nWHEN INTEREST CHARGES START ON CASH ADVANCES:\nYou cannot avoid INTEREST CHARGES on Cash Advances. INTEREST CHARGES on Cash Advances\nbegin on the date of the advance and continue until your Cash Advance Balance is paid in full. The\nAverage Balance of Cash Advances is the sum of the unpaid balances of Cash Advances of each day of\nthe current billing cycle divided by the number of days in the current billing cycle.\nThe minimum INTEREST CHARGE is $0.50.\n\nIBERIABANK, a division of First Horiz on Bank\n\n4\n\n(v. 5/1/2020)\n\n\x0cANNUAL PERCENTAGE RATE:\nThe ANNUAL PERCENTAGE RATES (APRs) applicable to your Account may vary or increase.\nThe APRs will be determined monthly by adding a Spread to an Index. The Index for each billing cycle is\nthe U.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money Rates table of The Wall Street Journal during the calendar\nmonth immediately preceding the calendar month in which the billing cycle ends. In each case, the\nspreads applicable to your Account will be based on our assessment of your creditworthiness at the time\nof your application. Please see attached letter and Account Opening Disclosure for specific information\nthat relates to the current value of the index and your applicable spread.\nCREDIT BALANCE:\nIf your total New Balance is a credit balance, we will refund the amount of the credit to you promptly, if\nyou request us to in writing, or as required by law.\nFOREIGN TRANSACTIONS:\nIf you make any purchase in foreign currencies, Visa U.S.A. will convert the foreign currencies into U.S.\nDollars using their applicable currency conversion procedures. Currently, the conversion procedures\nutilize a rate selected from a range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate they receive, or the government mandated\nrate in effect for the applicable central processing date, in each instance, plus or minus any adjustment\ndetermined by us. You agree to pay us the sum in U.S. Dollars as converted by Visa U.S.A. The currency\nconversion rate used on the conversion date may differ from the rate in effect on the date you used your\nCard. Transactions with a foreign merchant may or may not involve a currency conversion. We currently\ndo not charge any additional currency conversion fees.\nILLEGAL TRANSACTIONS:\nYou may not use your Account for any illegal transaction, whether where you live or where the transaction\ntakes place. You also agree not to use your Account for any Internet or online gambling transaction even\nif it is legal. We may refuse to authorize any illegal, internet or online gambling transaction. If we do\nauthorize the transaction, you agree to pay us for it unless such payment is prohibited by applicable law.\nSECURITY INTEREST:\nCollateral securing other loans with us, other than a dwelling used as your principal residence, may also\nsecure this Account.\nLOST CARDS AND LIABILITY FOR UNAUTHORIZED USE:\nIf you notice the loss or theft of your Credit Card or a possible unauthorized use of your Account, you\nshould write to us immediately at: Customer Service, P.O. Box 84032, Columbus, GA 31908-4032, or\ncall us at 1-800-765-0853. You will not be liable for any unauthorized use that occurs after you notify us.\nYou may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your\nliability will not exceed $50.\nCANCELLATION OF CREDIT AVAILABILITY AND CREATION OF NEW ACCOUNTS:\nWe can cancel your Account any time and will notify you of such by phone or by writing you at the\naddress shown for you on our Account records. You can cancel your Account by writing to us. Of course,\nif your Account is canceled, you are required to pay everything you owe us, including any amounts that\nhave not been billed to you yet. You are also required to return all Card(s) we have given you. In the\nevent we cancel your Account, we may offer to enter into a new contract with you establishing a new\nAccount to replace the one we canceled. One method we may use to offer you a new contract is to\ninclude a notice in your monthly billing statement (i) advising you of the cancellation of your existing\nAccount, (ii) offering to enter into a new contract with you establishing a new Account which you can\naccess with your existing Card, (iii) setting forth the terms of the new contract (which may include terms\nincorporated by reference from this or any other agreement we have previously had with you) and (iv)\n\nIBERIABANK, a division of First Horiz on Bank\n\n5\n\n(v. 5/1/2020)\n\n\x0cadvising you that your use of the Card to purchase goods or services or obtain cash after you have\nreceived the notice will constitute your agreement to the terms of the new contract. You and we now\nagree that our sending such a notice to you, coupled with your subsequent use of your Card in the\nmanner set forth in the notice, will be one means by which we can form a valid, enforceable contract with\none another on the terms set forth in the notice.\nDEFAULT:\nIf you are in default, we may require you to pay the entire unpaid balance of your Account at once. We\nmay also cancel your right to charge amounts to the Account. If we ask, you agree to promptly cut in half\nand return to us all Credit Card(s) and also any other Credit Access Devices we may have issued for your\nAccount. You will be in default if you do not make a payment on time on this Account or any other loan\nfrom us, if you go over the credit limit on the Account or if you break any promises under this or any other\nagreement with us. You will also be in default if you die, become bankrupt, give us false information to get\nthe Account or anything happens that leads us to believe in good faith that you will not pay us what you\nowe us or keep your promises to us. You will also be in default if the usual business of any persons or\norganization that must pay on this Account is suspended, stopped or someone tries by legal process to\nreorganize, liquidate or dissolve the business. Copies of documents like Monthly Statements, Sales Slips,\nCash Advance forms and Loan Checks will be competent evidence before a court to establish the amount\nyou owe to us. We will have no obligation to produce the originals.\nCOLLECTION COSTS:\nIf you default, you agree to pay our collection costs, including court costs and reasonable attorney\xe2\x80\x99s fees.\nOTHERS USING YOUR ACCOUNT:\nYou promise to pay for all transactions (including, for example, Purchases and Cash Advances) made by\nanyone you authorize to use your Account, whether or not you notify us that they will be using it. If\nsomeone else is authorized to use your Account and you want to end that person\xe2\x80\x99s privilege, you must\nnotify us in writing and provide us a reasonable opportunity to act on such written notification. If he or she\nhas a Card you must return that Card with your written notice.\nREWARDS PROGRAMS:\nYour card may be associated with a bonus points or similar rewards program. Your participation in such a\nrewards program is subject to the particular rewards program\xe2\x80\x99s terms and conditions (the \xe2\x80\x9cProgram\nRules\xe2\x80\x9d). Your use of the card associated with the rewards program is your consent to be bound by the\nProgram Rules. The Program Rules may, from time to time, be modified or amended, including but not\nlimited to discontinuing particular rewards or discontinuing the rewards program itself. The latest edition of\nProgram Rules will typically be provided with the associated Card or otherwise made available to you, for\nexample, by visiting a particular internet address. We will provide a copy of such Program Rules upon\nrequest. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONDITION,\nQUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY GOODS OR\nSERVICES PURCHASED WITH BONUS POINTS, AND WE WILL HAVE NO LIABILITY FOR ANY\nDEFECTS IN SUCH GOODS OR SERVICES OR FOR ANY DAMAGES RESULTING FROM THEIR\nUSE.\nARBITRATION:\nAs of October 3, 2017, this section, Arbitration, does not apply if, on the date you enter into this\nAgreement or on the date we seek to invoke our arbitration provision, you are covered by the\nfederal Military Lending Act as an active duty member of the Armed Forces, on active Guard or\nReserve duty, or a dependent of such a member.\nTHIS ARBITRATION PROVISION LIMITS YOUR AND OUR RIGHT TO LITIGATE CLAIMS IN COURT\nAND YOUR RIGHT TO A JURY TRIAL. YOU SHOULD READ THIS PROVISION CAREFULLY. Any\nclaim, dispute, or controversy (a \xe2\x80\x9cDispute\xe2\x80\x9d) between you and us including without limitation those related\n\nIBERIABANK, a division of First Horiz on Bank\n\n6\n\n(v. 5/1/2020)\n\n\x0cto this Agreement, your Account, goods or services purchased in whole or part by use of your Account or\nthose relating to the validity, enforceability or scope of this arbitration provision shall be resolved, upon\nthe election of you or us, by binding arbitration pursuant to this arbitration provision and the Commercial\nArbitration Rules and Procedures of the American Arbitration Association (AAA). This arbitration provision\nalso applies to any Dispute between you and any of our employees, our affiliate companies and any of\ntheir employees. This arbitration provision is made pursuant to a transaction involving interstate\ncommerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. S1-16. The arbitrator shall\napply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of\nlimitations and shall honor all claims of privilege recognized by law. This arbitration provision is fully\nbinding in the event a class action is filed in which you would be a class representative or member. You\nand we agree that arbitrations pursuant to this arbitration provision which involve you and us and/or us\nand any other person cannot be consolidated. You and we further agree that there shall be no class\naction arbitration pursuant to this arbitration provision. This arbitration provision shall survive the\ninactivation or termination of the agreement or your Account. If any portion of this arbitration provision is\ndeemed invalid or unenforceable, the remaining provisions are severable and enforceable to the fullest\nextent permitted by law. This arbitration provision supersedes any prior arbitration provision that there\nmay be between you and us related to the Account.\nTo Start Arbitration: Either you or we can start arbitration any time a Dispute arises between you and us.\nTo start arbitration, you or we must contact the AAA at:\nAmerican Arbitration Association\n1101 Laurel Oak Road, Suite 100\nVoorhees, NJ 08043-4301\nFor more information about the arbitration process or to obtain a copy of the Commercial Arbitration Rules\nand Procedures, contact the AAA at 1-800-778-7879 or log onto their website at http://www.adr.org.\nNo Waiver: You and we agree that bringing a lawsuit, counterclaim, or other action in court shall not be\ndeemed a waiver of the right to demand arbitration of any Dispute brought by the other party. As an\nexample, and not by way of limitation, if we file a lawsuit against you in court to collect a debt and you file\na counterclaim against us in that lawsuit, we have the right to demand that the entire Dispute, including\nour original lawsuit against you and your counterclaim against us, be arbitrated in accordance with this\narbitration provision. You and we agree that bringing the lawsuit shall not operate as a waiver of our right\nto demand arbitration.\nCost of Arbitration: If you start arbitration, you agree to pay the initial filing fee and deposit required by the\nAAA. If we start arbitration we will pay the filing fee and deposit. If you believe you are financially unable\nto pay such fees you may ask the AAA to defer or reduce such fees, pursuant of the Commercial\nArbitration Rules and Procedures. If the AAA does not defer or reduce such fees so that you are able to\nafford them we will, upon your written request, pay the fees, subject to any later allocation of the fees and\nexpenses between you and us by the arbitrator. There may be other costs during the arbitration, such as\nattorney\xe2\x80\x99s fees, expenses of travel to arbitration, and the costs of the arbitration hearings. The\nCommercial Arbitration Rules and Procedures determine who will pay those fees.\nLocation of Arbitration: Any arbitration hearing will take place in the state in which you live unless you and\nwe both agree to another location.\nEnforcement of Arbitration: After the arbitrator has made a decision, either you or we may take any legal\naction, including filing a lawsuit, to enforce the arbitrator\xe2\x80\x99s decision in any federal or state court that has\njurisdiction.\nCHANGE OF ADDRESS:\nIf you move, you must notify us of your new address as well as your new phone numbers in writing.\nPlease write the updated information on the payment stub of your Monthly Statement so we can change\nour records.\n\nIBERIABANK, a division of First Horiz on Bank\n\n7\n\n(v. 5/1/2020)\n\n\x0cINFORMATION ABOUT YOU AND YOUR CREDIT:\nYou promise that the information you gave us to open your Account is true. You also promise to tell us\nright away and to stop using the Account if (1) you plan to file for bankruptcy or (2) are otherwise unable\nto pay your debts. We may look again at your financial condition and credit standing at any time for any\nreason. You agree to let us do this and help with any investigation of your credit record. A negative credit\nreport reflecting on your credit record may be submitted to one or more reporting agencies if you fail to\nfulfill your obligations under this Agreement.\nTELEPHONE MONITORING; CONSENT TO COMMUNICATION:\nTo ensure our employees give accurate and courteous customer service, sometimes your call may be\nmonitored by a second employee and/or recorded. You agree to this monitoring and recording. We may\ncontact you using (1) any information or phone numbers (including cell phone numbers) you provide to us\non your Application or otherwise and (2) an automated telephone dialing system and/or artificial or\nprerecorded voice message, even if you are charged for the call under your phone plan.\nNO WAIVER OF OUR RIGHTS:\nSometimes we may decide not to exercise a right we have under this Agreement, like charging you a fee,\nor we may decide to do something less than we are authorized to do under this Agreement, like charging\na lesser fee than we are entitled to charge. If we do not exercise, or fully exercise a right of ours under\nthis Agreement, we do not waive the right to exercise or fully exercise the right in the future. We can do all\nthings permitted under this Agreement even if we did something differently one or more times in the past\non a similar event or occurrence.\nAMENDMENT:\nWe can amend this Agreement from time to time upon forty-five (45) days advance notice to you. The\nnew terms, including any increase or decrease in the fees, charges or periodic rate, shall apply both to\nNew Purchases and to New Cash Advances made on and after the effective date. In case of any change\nin the periodic rate or certain fees, the new fees, periodic rate and APR will not be more than the\nmaximum rate permitted by applicable law.\nASSIGNMENT:\nWe can assign this Agreement to others upon proper notification to you. You may not assign this\nagreement to others without our permission. We have in the past sold and assigned all or part of its credit\ncard portfolio to one, or more, financial institutions. At our sole discretion, we reserve the right to do so\nagain, and any such sale may include your Account. We have also denied credit solely on the basis that\nthe applicant previously had an Account with us that was sold and assigned to another institution. In the\nevent your Account is sold to another institution, we reserve the right to deny your application for another\ncredit card on this basis. In the event your Account is sold to another institution, the purchaser may elect\nto offer you Account terms and conditions which differ from those set forth in this Agreement and which\nmay include an Annual Percentage Rate which is substantially higher than the Annual Percentage Rate\noffered by us. The purchaser may also offer you the option of rejecting the new terms and conditions, but\nit is highly probable that your rejection of new terms and conditions offered by a purchaser would result in\ncancellation of your right to make purchases or obtain cash advances with your Card. In the event your\ncard is canceled under these circumstances, and your account was assessed an annual fee, we will\nrefund a portion of your annual fee. The amount of the refund will be determined by multiplying the annual\nfee most recently charged to your Account by a fraction, the numerator of which is the number of days\nremaining in the one year period covered by the fee and the denominator of which is 365. It may be\nnecessary for you to provide us with a written request for the refund since we may not have access to\nrecords indicating who would be entitled to a refund. In the event your Card is canceled, you will still be\nobligated to pay the existing balance of your Account in accordance with the terms of this Agreement.\n\nIBERIABANK, a division of First Horiz on Bank\n\n8\n\n(v. 5/1/2020)\n\n\x0cAPPLICABLE LAW:\nThis Agreement is governed by applicable federal law and by Tennessee law, without regard to its\nconflicts of law provisions.\nNOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: Through the Military\nLending Act, effective October 3, 2017, federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nPlease call 1-800-667-6035 (toll-free) to receive oral disclosures about the Military Lending Act and your\nrelated credit card payment obligations.\n\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write us at:\nCustomer Service\nP.O. Box 84032\nColumbus, GA 31908-4032\nIn your letter, provide the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell you if we have already corrected the error.\n\nIBERIABANK, a division of First Horiz on Bank\n\n9\n\n(v. 5/1/2020)\n\n\x0c2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made the mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\nthe applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us. If\nwe do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining 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\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your Card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nIBERIABANK\nP.O. Box 84032\nColumbus, GA 31908-4032.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nIBERIABANK, a division of First Horiz on Bank\n\n10\n\n(v. 5/1/2020)\n\n\x0cCREDIT CARD PRICING INFORMATION ADDENDUM\n\nVisa Signature Interest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n11.99%, 15.99%, 19.99%\n\nor\n, based on your creditworthiness when you\nopen your account. This APR will vary with the market based on the prime.\n\nAPR for Balance Transfers 1.99% introductory APR for six billing periods from the date the balance transfer posts.*\nAfter that, your APR will be the same as your assigned purchase rate. This APR will vary\nwith the market based on the Prime Rate.\nAPR for Cash Advances\n\n23.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFees\n\xe2\x80\xa2 Annual Fee:\n\n$99\n\n\xe2\x80\xa2 Additional Card Fee:\n\n$5 per occurrence\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\n2% of the transfer amount\n\n\xe2\x80\xa2 Cash Advance:\n\nEither $5 or 5% of the amount of each cash advance, whichever is\ngreater (Maximum fee: $100)\n\n\xe2\x80\xa2 Foreign Transaction:\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\nUp to $37\n\n\xe2\x80\xa2 Returned Payment:\n\nUp to $37\n\n*Introductory APR offer for Balance Transfer - Introductory Balance Transfer request must be made within three (3) months of\naccount open date to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to\nyour assigned purchase rate (excluding any introductory APR). This Rate will not change during the introductory period. After that,\nyour APR will be the same as your assigned purchase rate, based on your credit worthiness; this APR will vary based on the Prime Rate.\nRates applicable to this account are as follows:\nPurchases \xe2\x80\x93 11.99%, 15.99% or 19.99% Variable Rate based on your creditworthiness. This APR will vary with the market based\non the Prime Rate.\nCash Advances and Convenience Checks \xe2\x80\x93 An Annual Percentage Rate of 23.99%.\nIBERIABANK, a division of First Horiz on Bank\n\n11\n\n(v. 5/1/2020)\n\n\x0cBalance Transfers \xe2\x80\x93 An APR of 1.99%, having a Monthly Periodic Rate of 0.17%, for the first six (6) billing cycles from the date\nthe check is posted to the account. Introductory Balance Transfer request must be made within three (3) months of account\nopen date to take advantage of this promotional offer. Balance Transfers requested after this time will have an APR equal to\nyour assigned purchase rate (excluding any introductory APR), variable rate based on your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\nThe Variable Purchase Rate will apply to any Balance Transfer Checks that are posted during a non promotional period.\nIndex \xe2\x80\x93 As of March 16, 2020 the U.S. Prime Rate is 3.25%\nThe ANNUAL PERCENTAGE RATES (APRs) applicable to this account may vary or increase monthly. The APRs will be determined\nmonthly by adding a Spread to an Index. The Index for each billing cycle is the highest U.S. \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the Money Rates\nTable of the Wall Street Journal during the calendar month immediately preceding the calendar month in which the billing cycle ends.\nIn each case, the spreads applicable to your Account will be based on our assessment of your creditworthiness at the time of your\napplication.\nTo calculate your balance we use a method called \xe2\x80\x9caverage daily balance (including new purchase).\xe2\x80\x9d We figure the interest charge on\nyour account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take\nthe beginning balance of your account each day, add nay new [purchases/advances/fees], and subtract [any unpaid interest or other\nfinance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances of the billing cycle\nand divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\nIBERIABANK, a division of First Horiz on Bank\n\n12\n\n(v. 5/1/2020)\n\n\x0c'