b'M-126719\n\nConsumer Credit Card Agreement and Disclosure Statement\nEffective Date 02/01/2021\n\n1.0 : ISSUER. Your Amegy Bank Card has been issued by Zions Bancorporation, N.A. dba Amegy Bank. Your Account is\n\nwith Zions Bancorporation, N.A. (\xe2\x80\x9cBank\xe2\x80\x9d) and will be administered by the Bank\xe2\x80\x99s Bankcard Services department. Your\nCredit Card, monthly, statement, and other associated materials will bear the Amegy Bank name.\n1.1 : THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bancorporation, N.A.\nthat governs your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for\nyour credit card Account. This Consumer Credit Card Agreement includes the disclosures included on the card carrier\ncontaining the Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and\nconstitutes your Agreement with us that covers your credit card Account. Review this Agreement carefully and keep it in\nyour records.\n1.2 : ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier\nof (a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to\ndecline this Agreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by\ncalling 1-866-749-7459 or writing to the address on the carrier containing your Card.\n1.3 : DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement\nand in your monthly statement.\nBank: Means Zions Bancorporation, N.A., the issuer of your Card and holder of your Account.\nWe, us, and our: Refer to Bank.\nYou and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the\nprimary applicant and any co-applicant.\nAccount: Means your Visa credit card account, together with the associated account number, all that we grant under that\naccount, and all Card(s) issued and any Credit Card Checks made available under that account.\nCard Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.\nCard Application: Means your credit application for your Account.\nCard: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account.\nCredit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account.\nOutstanding Balance: Means the entire amount owing on your Account at any given time.\nCash Back: Is a cash-back rebate program of Bank for certain types of Accounts.\nCredit Card Checks: Means checks that Bank may provide you to access your Account.\nMargin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank\xe2\x80\x99s\ndetermination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you\nuse your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of\nsuch change.\n1.4 : AMENDING THIS AGREEMENT. We may amend, add or delete (i.e., \xe2\x80\x9cchange\xe2\x80\x9d) any term of this Agreement at\nany time. We will notify you of any change, and any right to reject that change, as required by law. To reject a change,\nyou must inform us in the manner and time period specified in our notice. We will then close your Account and you will be\nrequired to pay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may\nobtain that consent from you verbally, in writing or electronically. Whether or not consent is required, any further use of\nyour Account after the effective date of the change shall constitute your consent and acceptance. Unless a longer period\nis specified by law, a reasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be\nprinted on, or enclosed with, your monthly statement.\n1.5 : CREDIT LIMIT. Your Account\xe2\x80\x99s initial Credit Limit appears on the carrier containing your Card. Your updated Credit\nLimit appears on each monthly statement. You must not use or allow others to use your Card or Account in a way that\ncauses your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it\nexceeds your Credit Limit. We may increase or decrease your Credit Limit at any time and will notify you of such change.\nYou may request a change in your Credit Limit by contacting us.\n2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can\nrequire you to surrender your Card to us, or to any merchant or financial institution where you have presented the Card.\nThe Card is not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any\ntime. You may request additional Cards at no additional cost for family members or other persons that you authorize to\nuse your Account, but you remain responsible for all of their charges.\n3.0 : USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card\n\nnetwork rules and the law, your Card and Account can be used for the following:\n\n\x0c3.1 : Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted.\n3.2 : Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any\n\nparticipating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank\nnetwork or other participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances.\nCertain transaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your\nAccount to $500 (or $2000 limit for Signature accounts) or less on any calendar day. Some ATMs have other limits. Cash\nAdvances may not exceed 25% of Credit Limit (only applicable to AmaZing, Premier, Elite, Reserve, Agility Cash, Clarity,\nand Vivid Rewards products). Based on risk, we may further limit cash advances in our sole discretion. We have no\nobligation to you to enforce such transaction limits, and you owe all cash advances made. Using your Card to withdraw\ncash from an ATM located outside of the United States will create a cash advance from and charge to your credit card\nAccount, even if you select withdrawal from a checking, savings or other type of account. \xe2\x80\x9dQuasi-cash transactions\xe2\x80\x9d such\nas using your Card for money orders, traveler\xe2\x80\x99s checks, foreign currency, lottery tickets, or gambling chips are treated as\ncash advances, not purchases.\n3.3 : Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay\noff other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 3 to 4 weeks to process\nyour balance transfer request. During that time, you should continue making payments to those accounts. Transaction\nFees apply. You will not earn any rewards points or cash back rebates on a balance transfer.\n3.4 : Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check\ncreates a cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank\xe2\x80\x99s property and must be\nreturned upon request. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You\ncannot stop payment on a Credit Card Check.\n4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account\nduring the preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing\nperiod, your minimum payment due, your payment due date (which is at least 25 days from the monthly statement closing\ndate), and other important information. We send your monthly statement to only one address, even if the Account has\nmultiple owners. See the \xe2\x80\x9cBILLING RIGHTS SUMMARY\xe2\x80\x9d section near the end of this Agreement for important information\n(including the need to promptly review your monthly statement and report any errors).\n5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period\nappears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your monthly statement. The Outstanding Balance at the end of the previous billing\nperiod is called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d. The New Balance is determined by taking the Previous Balance and (1)\nsubtracting any payments and credits received by us during the current billing period and then (2) adding any purchases,\ncash advances, balance transfers, interest charges, fees, and other adjustments.\n6.0 : PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments\n\nmust be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all\nconversion fees, bank collection fees and other expenses we may incur. (Such fees and expenses are treated as\npurchases.) Do not send cash payments.\n6.1 : Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received\nby 5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in\nposting your payment to your Account. Such delay may result in a late payment fee and additional interest charges.\n6.2 : Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the\nNew Balance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2)\nthe greater of: (a) $30 plus any late payment fees, or (b) 2.5% (1.75% for Agility Cash Credit Card, Clarity Credit Card,\nand Vivid Rewards Credit Card) of the New Balance plus interest charges and any late payment fees. (For Visa\nSignature Cards, in addition to the foregoing amounts, your minimum payment amount will include the full amount by\nwhich your New Balance exceeds your credit limit.) For all cards, making only the minimum payment will increase\nthe amount of interest you pay and the time it takes to repay your balance.\n6.3 : Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid\ninterest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), and then to\neach successive balance bearing the next higher APR until the payment is exhausted. You must pay at least the\nminimum payment amount on your statement each month, even if you paid more than the minimum payment in an\nearlier month.\n6.4 : Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement\n(such as \xe2\x80\x9cpaid in full\xe2\x80\x9d or \xe2\x80\x9cin settlement\xe2\x80\x9d). We can receive and credit your Account with the amount of any late payments,\npartial payments or payments with restrictive endorsements without losing or waiving our right to receive timely payment\nin full.\n6.5 : Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk,\nhowever, we may delay when that payment increases your Account\xe2\x80\x99s available credit.\n6.6 : Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty.\n7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and Fees and other disclosures are found on\nthe Table at the end of this agreement. The card carrier containing your Card also includes disclosures specific to your\n\n\x0cCard Account. The terms of these disclosures are incorporated by reference into this Agreement. Review these\ndisclosures carefully and keep in your records.\n8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not\nreceived at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this\nAgreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have\nfurnished false or misleading information on the Card Application; (e) you are in default under any other obligations you\nmay owe to us; or (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this\nAgreement. If your Account is in default, we may declare the Outstanding Balance immediately due and payable, close\nyour Account, and recover all Cards and unused Credit Card Checks.\n9.0: ATTORNEYS\xe2\x80\x99 FEES; COLLECTION EXPENSES; VENUE IN UTAH. You agree to pay our reasonable collection\nexpenses, whether or not any court or arbitration proceedings are filed. Collection expenses include reasonable attorneys\xe2\x80\x99\nfees, the cost of Bank staff (including in house counsel), and out-of-pocket expenses (whether or not such expenses are\nawardable as \xe2\x80\x9ccourt costs\xe2\x80\x9d). Unless prohibited by law, you agree that we may bring legal action against you in the State of\nUtah, regardless of where you reside.\n10.0 : INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the\n\nclosing of your Account.\n10.1 : Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic\ninterest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly\nstatement by the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer\nfrom the date of that purchase or balance transfer transaction. For every cash advance we charge interest from the date\nof that transaction. There is no grace period during which a cash advance can be repaid without incurring an interest\ncharge.\n10.2 : Periodic Interest Charge Calculation(s). There is no minimum interest charge. The interest charged on purchase\ntransactions and balance transfer transactions is calculated separately from the interest charged on cash advances.\nThose separately calculated interest amounts are then combined to determine the total interest charged for the billing\nperiod. For each category of transactions, interest is calculated as follows. (1) First, we determine the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d by taking each day\xe2\x80\x99s beginning balance, adding any new transactions, and subtracting any payments or credits.\nWe do not add interest incurred during the billing period. The result is the \xe2\x80\x9cdaily balance.\xe2\x80\x9d We then add all the daily\nbalances for the billing period and divide by the number of days in the billing period. The result is the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d (also called the \xe2\x80\x9cbalance subject to interest charge\xe2\x80\x9d on your monthly statement). (2) Second, we multiply the\naverage daily balance by the number of days in the billing period. That number is then multiplied by the daily periodic rate\n(DPR) for that category of transactions. The resulting number is the interest charged for that category of transactions.\n11.0 : ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) AND DAILY PERIODIC RATE (\xe2\x80\x9cDPR\xe2\x80\x9d). The APR and DPR for all\n\ntransactions are variable rates. The APR for a particular billing period is the sum of the Bank\xe2\x80\x99s \xe2\x80\x9cPrime Rate\xe2\x80\x9d for that\nbilling period plus a \xe2\x80\x9cMargin.\xe2\x80\x9d The applicable Margin depends on the type of transaction and the type of credit card\nAccount. Daily periodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). The\nAPR and DPR on the Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and\nfor each category of transactions, is disclosed in your monthly statement.\n11.1 : \xe2\x80\x9cPrime Rate\xe2\x80\x9d and the \xe2\x80\x9cIndex\xe2\x80\x9d. The Prime Rate is equal to, and varies with, an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d).\nThe Index is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank\xe2\x80\x99s\nPrime Rate is the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar\nmonth in which that billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the\nIndex becomes unavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the\namount of your minimum payment, will increase or decrease as the Index and Bank\xe2\x80\x99s Prime Rate increase or decrease.\nThe resulting changes in your APR and DPR will take effect on the first day of your billing cycle the following month. You\nacknowledge that the Bank\xe2\x80\x99s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its\ncustomers, now or in the future.\n11.2 : Military Lending Act (MLA). The Military Lending Act provides protections for members of the Armed Forces and\ntheir dependents.\n11.2.1 : Statement of MAPR (Military Annual Percentage Rate). Federal law provides important protections to members\nof the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\n11.2.2 : Oral Disclosures. Before accepting this Agreement, in order to hear important disclosures and payment\ninformation about this Agreement, you may contact us at 1-844-210-3601.\n\n\x0c11.2.3 : Applicability of Dispute Resolution Provision. The Jury Waiver, Class Action Waiver, and Arbitration\n\nAgreement in the Dispute Resolution Provision set forth in this Agreement do not apply to Covered Borrowers.\n12.0 : ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the\n\ncarrier containing your card.\n12.1 : Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when\nassessed, and added to the balance of the transaction.\n12.2 : Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the\nbalance of the transaction.\n12.3 : Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we\ncharge a late payment fee.\n12.4 : Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because\nit cannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item.\n12.5 : Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and\nevery twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in\nthe Table that appears on the carrier containing your Card.\n12.6 : International Transaction Fee. Each international transaction will be assessed a fee on the U.S. dollar amount of\nthe transaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars\nfrom a foreign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars by Visa\nInternational using its procedures in effect at the time. Under current procedures, the foreign currency conversion rate is\neither a wholesale market rate or a government mandated rate in effect one day prior to the date the transaction is\nprocessed by Visa. The currency conversion rate in effect on the processing date may differ from the rate in effect on the\ntransaction date or the posting date. This fee is added to the balance of the transaction.\n12.7 : Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge you\na research fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item.\n12.8 : Expedited Card Delivery Fee, and Emergency Card Fee. We may charge a fee if you request \xe2\x80\x9cexpedited delivery\xe2\x80\x9d\nof a Card that requires an outside delivery service provider. We may also charge a fee if you request to personally obtain\nan \xe2\x80\x9cemergency Card\xe2\x80\x9d at our Bankcard Center that requires special card production. The current amounts of these fees will\nbe disclosed at the time of your requests and before you agree to incur the charges. These fees are charged to your\nAccount as a purchase.\n13.0 : Card Benefits.\n13.1 : Priority Pass Select \xe2\x80\x93 for Reserve Cards Only. Reserve cardholders have access to 5 (five) free airport lounge\n\nvisits per membership year. Each member visit and each accompanying guest(s) visit applies against the free visit\nallowance. After the free visits have been used, the member\xe2\x80\x99s Reserve credit card will be charged a lounge visit fee of\n$27 per person per visit for the member and each guest. Lounge benefits, services, and facilities differ by location and\nmay only be available at an additional charge. For more information, refer to the Priority Pass Select Agreement.\n13.2 : Annual Travel Credit \xe2\x80\x93 for Reserve and Elite Cards Only. A statement credit will automatically be applied to your\naccount when your card is used for purchases in certain travel categories, up to an annual maximum of $250 for Reserve\ncards or $100 for Elite cards. Annual Travel Credits are refreshed once yearly, the day after the anniversary of your\naccount open date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental Cars,\nHotels, Cruise Lines, Travel Agencies, Airport Terminals, Global Entry, TSA Precheck, and Gogo Inflight Wi-Fi.\nIdentification of qualified purchases is subject to merchants\xe2\x80\x99 billing. Statement credit(s) will post to your account within 3\ndays of the settled purchase and will appear on your monthly credit card billing statement within 1-2 billing cycles. With\nquestions about your Annual Travel Credit, or when your next Annual Travel Credit will become available, call the number\non the back of your card. To qualify, purchases must: 1) be completed using the full Visa 16-digit card number referenced\nduring the Program period; 2) post to the card account referenced during the Program period; 3) be identified as a\nqualifying purchase based on the information available on Visa\xe2\x80\x99s proprietary network (VisaNet); The merchant must\nsubmit the purchase transaction under the appropriate merchant code, industry code, or required service or product\nidentifier for the purchase to the identified as a qualifying travel purchase. Your card must remain in good standing in\norder to receive the statement credit. Please allow 1-2 billing cycles to receive your statement credit. Cardmembers are\nresponsible for payment of all charges until the statement credit posts to the account. Visa and Zions Bancorporation,\nN.A. reserve the right to modify or cancel this offer at any time and without notice.\n14.0 : ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD:\n14.1 : Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit\n\nappears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that\nwould at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding\nBalance even if it exceeds your Credit Limit. The Bank may decrease your Credit Limit at any time and will notify you of\nsuch change. In addition, you may request a change in your Credit Limit by writing to the address shown on your monthly\nstatement or by calling 1-800-494-1698.\n\n\x0c14.2 : Transfers: Not available on all Visa Signature cards, for cards with transfer capability the Card may be\n\nused at the ATMs described above to make electronic transfers to or from your checking account, savings\naccount or other consumer asset account you may have at the Bank (subject to the Bank\'s rules, regulations\nand agreements governing such accounts, which you should have already received and which are incorporated\nherein). You may request copies of these materials by calling 1-888-758-5349. Transfers from your Card Account\nto your checking account, savings account or other consumer asset account will be treated as a cash advance\nsubject to a Cash Advance Transaction Fee.\n14.3 No Pre-Set Spending Limit: This Section 14.3 applies ONLY if you have a Visa Signature credit card OTHER\n\nTHAN the AmaZing Rewards\xc2\xae Signature, AmaZing Cash\xc2\xae Signature, Agility Cash Signature, Vivid Rewards\nSignature, Premier, Elite, or Reserve credit card. There is no pre-set spending limiton your card; no pre-set spending\nlimit does not mean unlimited spending. You agree to pay in full each month any amount that exceeds your Credit Limit.\nEach transaction that causes your new balance to exceed your Credit Limit will beevaluated for approval based on\nfactors such as card fraud, account history, revolving balances, payment history, credit record, prior cash advances, and\nsafety and soundness considerations.\n15.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have given the Bank a\nsecurity interest in a savings account at the Bank to secure payment of your Account. If you withdraw your funds from the\nsavings account, the Bank has the right to close your Account.\n16.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and\nindividually liable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may send\nall monthly statements and other notices to any one of you. Such monthly statements and notices shall be deemed\nreceived by each and all of you.\n17.0 : INTERPRETATION; EFFECT.\n17.1 : Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is\n\nclosed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is\npaid in full.\n17.2 : Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or\nintention of any portion of this Agreement.\n17.3 : Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be\ncontradicted with evidence of any alleged oral agreement.\n17.4 : Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain\nenforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.\n17.5 : Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not be\ndeemed to release, waive, impair or discharge those rights or obligations.\n17.6 : Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior written\npermission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you. This\nAgreement shall be binding upon the parties\xe2\x80\x99 heirs, representatives, successors, and assigns.\n17.7 : GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED\nIN ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, REGARDLESS OF\nPRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD.\n18.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa\nU.S.A., its Members, or their respective contractors for the purpose of providing the services described in this Agreement,\nor emergency cash and emergency card replacement services.\n19.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account,\nCard or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to\nconduct transactions in any country or territory, or with any individual or entity, that is subject to economic sanctions\nadministered and enforced by the U.S. Department of the Treasury\'s Office of Foreign Assets Control (OFAC); or (d) to\ngamble on the Internet. Display of a Visa logo or other payment system logo by any person (e.g., an online merchant), or\nacceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, your\nAccount or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we\nbelieve may be prohibited under this section. We may also block use of your Card in countries or territories subject to\nOFAC sanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.\n20.0: AGREEMENT TO PAY. You agree to timely pay your Outstanding Balance, regardless of whether the charges were\nincurred for personal, family, household or business purposes. Your liability includes all charges made by all persons you\npermitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check even if you\nwere unaware of the charges or they caused you to exceed your Credit Limit.\n21.0 : LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number, or Credit Card Checks are lost or stolen, or\n\n\x0cif you think that someone used or may use them without permission, you agree to notify the Bank immediately by calling\n1-866-749-7459. You may need to provide the Bank with certain information in writing to help the Bank determine what\nhappened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you\nnotify the Bank of any fraudulent transactions.\n21.1 : Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if\nyou notify the Bank within two business days. In any case, your liability will not exceed $50.\n22.0: REFUSAL TO HONOR TRANSACTIONS. We are not responsible or liable for any claim arising from or related to:\n(a) the refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or\nCredit Card Check; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent\nprovided in \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior\ncredit authorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to\nuse the Card in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order.\n23.0 : FINANCIAL AND CREDIT INFORMATION.\n23.1 : Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card\n\nApplication.\n23.2 : Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations\nabout you, and to disclose to others credit information about your Account and your performance under this Agreement.\nWe may ask credit bureaus for reports of your credit history. At your request, we will tell you whether or not we have\nrequested such reports, and the names and addresses of the credit bureaus furnishing the reports. We may act through\nour agents, who may act in our name or their own names.\n23.3 : Negative Credit Reporting. You are hereby notified and agree that we may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. We may report through our agents (including but not limited to Zions Management Services\nCompany) who may act in our name or their own names. Please notify us if we report any inaccurate information about\nyour Account(s) to a credit bureau. Your written notice describing the specific inaccuracy should be sent to us at the\nfollowing address: Amegy Bank, Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125\n24.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home\naddress, or mailing address. Until you notify us of updated information, we can send statements, notices and other\ncommunications to the name and address in our records, and they will be deemed effectively delivered for all purposes. If\nyour mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can suspend\nmailing your statements, notices, and other communications until a valid address is received from you.\n25.0: CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing. We may close your\nAccount at any time without cause and without notice. When your Account is closed (whether by you or us), your right to\nuse the Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact\neveryone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.)\nto cancel future transactions. Such transactions may continue to be charged to your Account until you change the billing,\nand you will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your\nAccount after you have requested to close your Account, we may (but are not required) allow the transaction to be\ncharged to your Account and you will be liable for the charges.\n26.0: VISA ACCOUNT UPDATER. Card accounts are automatically enrolled in the Visa Account Updater (VAU) feature\nrequired by Visa. This feature enables the electronic exchange of account information between Visa and participating\nmerchants to support payment continuity with credential-on-file merchants. Visa will securely provide updated credit card\ninformation when your Card is re-issued for any reason or is closed. Updates are not guaranteed before the next billing\ncycle; the Bank is not responsible for late, missed, or recurring payments. To opt-out of the Visa Account Updater feature\nfor your card account, please contact the Bank by calling the number on the back of your card.\n27.0: DISPUTE RESOLUTION PROVISION.\nThis Dispute Resolution Provision contains a jury waiver, a class action waiver, and an arbitration agreement (or\njudicial reference agreement, as applicable), set out in four Sections. READ IT CAREFULLY. No portion of this\nDispute Resolution section shall be interpreted or applied in a manner prohibited by governing law, but all other portions\nshall remain in effect. Without limitation, no portion of this Dispute Resolution section shall require arbitration or other nonjudicial procedure to resolve any controversy or settle any claim arising out of any consumer credit transaction that is\nsecured by a dwelling (including a home equity line of credit secured by the consumer\xe2\x80\x99s principal dwelling). The jury\nwaiver, class action waiver, and arbitration agreement in this Dispute Resolution provision do not apply to you if,\nas of the date of this agreement, you are a member of the Armed Forces or a dependent of such member entitled\nto protection under the Federal Military Lending Act.\n\nSECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES.\n27.1.1 : PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall\n\n\x0csupersede and replace any prior \xe2\x80\x9cJury Waiver,\xe2\x80\x9d \xe2\x80\x9cJudicial Reference,\xe2\x80\x9d \xe2\x80\x9cClass Action Waiver,\xe2\x80\x9d \xe2\x80\x9cArbitration,\xe2\x80\x9d\n\xe2\x80\x9cDispute Resolution,\xe2\x80\x9d or similar alternative dispute agreement or provision between or among the parties.\n27.1.2 : \xe2\x80\x9cDISPUTE\xe2\x80\x9d DEFINED. As used herein, the word \xe2\x80\x9cDispute\xe2\x80\x9d includes, without limitation, any claim by either party\n\nagainst the other party related to this Agreement, your Account, any transaction in your Account, any Card or a Credit\nCard Check. \xe2\x80\x9cDispute\xe2\x80\x9d includes, but is not limited to, matters arising from or relating to a deposit account, an application\nfor or denial of credit, warranties and representations made by a party, the adequacy of a party\xe2\x80\x99s disclosures, enforcement\nof any and all of the obligations a party hereto may have to another party, compliance with applicable laws and/or\nregulations, performance or services provided under any agreement by a party, including without limitation disputes based\non or arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a party\nhereto.\nIf a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior\nlienholder or title company), each party hereto agrees to consent to including that third party in any arbitration or judicial\nreference proceeding for resolving the Dispute with that third party.\n27.1.3 : JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in connection with\n\nany Dispute. All Disputes shall be decided by a judge sitting without a jury, unless submitted to binding arbitration\npursuant to Section 2 or judicial reference pursuant to Section 3.\nThis Agreement includes an arbitration agreement, which will have a substantial effect on your rights in the event\nof a dispute with us. For example, if we elect to require you to arbitrate any claim, you will not have the right to a\njury trial or the right to participate in a class action in court or in arbitration. However, the arbitration agreement\ndoes not apply if, as of the date of this agreement, you are a member of the armed forces or a dependent of such\nmember covered by the Federal Military Lending Act. Please see the section of this agreement labeled \xe2\x80\x9cMilitary\nLending Act.\xe2\x80\x9d\n27.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICIAL REFERENCE (A) IF A CONSUMER PARTY\nREQUESTS, OR (B) IF THE JURY TRIAL WAIVER IS NOT ENFORCED. A party who (in context of the Dispute) is a\nconsumer may timely elect to require that the Dispute be submitted as applicable to binding arbitration under Section 2\nhereof or binding judicial reference under Section 3 hereof. In addition, if this Agreement\xe2\x80\x99s jury waiver is unenforceable by\nlaw, or otherwise not enforced by a court exercising jurisdiction over the Dispute, then all parties hereby agree that the\nDispute shall be timely submitted as applicable to binding arbitration under Section 2 or binding judicial reference under\nSection 3. BY AGREEING TO RESOLVE SPECIFIED FUTURE DISPUTES IN ARBITRATION OR BY JUDICIAL\nREFERENCE, THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN COURT.\nIn any lawsuit regarding a Dispute (a \xe2\x80\x9cLawsuit\xe2\x80\x9d), following the service of a complaint, third-party complaint, cross-claim or\ncounterclaim or any answer thereto, any amendment to any of the above, or a ruling or entry of an order that has the\neffect of invalidating this Agreement\xe2\x80\x99s jury trial waiver (any of the foregoing, an \xe2\x80\x9cADR Event\xe2\x80\x9d), then at any time prior to\ntrial of the Dispute, but not later than 30 days after the ADR Event, any party shall be entitled to move the court for an\norder (on the grounds set forth in the preceding paragraph) compelling arbitration under Section 2 or judicial reference\nunder Section 3, as applicable, and staying or dismissing the Lawsuit pending such arbitration or judicial reference (an\n\xe2\x80\x9cADR Order\xe2\x80\x9d). A party that commenced or participated in the Lawsuit may nevertheless demand arbitration or judicial\nreference of a Dispute after an ADR Event. Commencement or participation in the Lawsuit shall not operate as a waiver of\nthe right to compel arbitration or judicial reference. After entry of an ADR Order, the non-moving party shall commence the\narbitration or judicial reference. The moving party shall, at its discretion, also be entitled to commence arbitration or\njudicial reference but is under no obligation to do so, and the moving party shall not in any way be adversely prejudiced by\nelecting not to commence arbitration or judicial reference.\n27.1.5 : CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate any Dispute\n\nas a class action (either as a member of a class or as a representative) or to act as a private attorney general. The\nwaiver in this paragraph applies whether the proceeding is in a court, in an arbitration, or in a judicial reference\nproceeding.\n27.1.6 : SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or expiration of this\n\nAgreement, or any other relationship between the parties.\nSECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO ARBITRATION. This Section 2 governs\nDisputes that are submitted for binding arbitration under subsection 27.1.4. This Section 2 shall not apply to any Dispute\nthat is pending in a state or federal court located in the State of California, except to the extent such Dispute may also be\npending in a state or federal court located outside of California. An arbitrator shall have no authority to determine the\nvalidity, enforceability, meaning and scope of this Dispute Resolution Provision, or (ii) class action claims brought by\neither party as a class representative on behalf of others, or by a class representative on either party\xe2\x80\x99s behalf as a class\nmember, which matters may be determined only by a court without a jury.\n\n\x0cArbitration under this provision shall be conducted before a single arbitrator through either the National Arbitration Forum\n(\xe2\x80\x9cNAF\xe2\x80\x9d) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the initiating party, in accordance with\nthe rules of NAF or JAMS (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). However, if the parties agree, a licensed attorney may be selected by the\nparties to conduct the arbitration without an Administrator. If NAF and JAMS both decline to administer arbitration of the\nDispute, and if the parties are unable to mutually agree upon a licensed attorney to act as arbitrator without an\nAdministrator, then either party may file a Lawsuit and move for an ADR Order. The arbitrator, howsoever appointed, shall\nhave expertise in the subject matter of the Dispute. Venue for the arbitration proceeding shall be as stated elsewhere in\nthis Agreement with respect to any judicial proceedings between the parties. Absent such a provision, the arbitration shall\nbe conducted at a location determined by mutual agreement of the parties or by the Administrator if no agreement can be\nreached. The arbitrator shall apply the law of the state specified in the agreement giving rise to the Dispute.\nIn any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay one half of the\nAdministrator\'s initial filing fee, up to $500. If Lender or Bank commences arbitration or is the moving party obtaining an\nADR Order, Lender or Bank shall pay all Administrator and arbitrator fees, regardless of whether or not the consumer is\nthe prevailing party in such arbitration, unless such Dispute involves a claim for damages by a consumer and is found by\nthe arbitrator to be frivolous. For this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services\nprovided by Lender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less\nthan $75,000.\nThe Administrator and the arbitrator shall have the authority, to the extent practicable, to take any reasonable action to\nrequire the arbitration proceeding to be completed within 180 days of commencing the arbitration. The arbitrator: (i) will\nrender a decision and any award applying applicable law; (ii) will hear and rule on appropriate dispositive motions for\njudgment on the pleadings, for failure to state a claim, or for full or partial summary judgment; (iii) will give effect to any\nstatutory or contractual limitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall\nhave the authority to impose sanctions on any party that fails to comply with time periods imposed by the Administrator or\nthe arbitrator, including, without limitation, the sanction of entering a final award against the party that fails to comply; (v)\nshall have authority to award costs and fees (including attorneys\' fees and costs, arbitration administration fees and costs,\nand arbitrator(s)\' fees) to the extent permitted by law; (vi) shall recognize and honor claims of privilege recognized at law;\nand (vii) with regard to motions and the arbitration hearing, shall apply the Federal Rules of Evidence. The doctrines of\ncompulsory counterclaim, res judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder.\nCommencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and obtaining from\na court of competent jurisdiction (notwithstanding ongoing arbitration) provisional or ancillary remedies including but not\nlimited to injunctive relief, temporary restraining orders, property preservation orders, foreclosure, sequestration, eviction,\nattachment, replevin, garnishment, and/or the appointment of a receiver; or (ii) availing itself of any self-help remedies\nsuch as setoff and repossession rights or non-judicial foreclosure of collateral. The exercise of such rights shall not\nconstitute a waiver of the right to submit any Dispute to arbitration.\nJudgment upon an arbitration award may be entered in any court having jurisdiction except that, if the arbitration award\nexceeds $200,000, any party shall be entitled to a de novo appeal of the award before a panel of three arbitrators. To\nallow for such appeal, if the award (including Administrator, arbitrator, and attorney\xe2\x80\x99s fees and costs) exceeds $200,000,\nthe arbitrator will issue a written, reasoned decision supporting the award, including a statement of authority and its\napplication to the Dispute. A request for de novo appeal must be filed with the arbitrator within 30 days following the date\nof the arbitration award; if such a request is not made within that time period, the arbitration award shall become final and\nbinding. On appeal, the arbitrators shall review the award de novo, meaning that they shall reach their own findings of\nfact and conclusions of law rather than deferring in any manner to the original arbitrator. Appeal of an arbitration award\nshall be pursuant to the rules of the Administrator; if the Administrator has no such rules, then the JAMS arbitration\nappellate rules shall apply.\nTo request information on how to submit an arbitration claim, or to request a copy of an Administrator\xe2\x80\x99s rules or fee\nschedule, please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, Irvine, CA 92614, Phone:\n(949) 224-1810, Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website: www.jamsadr.com; NAF: National Arbitration\nForum, P.O. Box 50191, Minneapolis, MN 55405-0191, Phone (800) 474-2371, email: info@adrforum.com, Website:\nwww.adrforum.com.\nArbitration under this provision concerns a transaction involving interstate commerce and shall be governed by the\nFederal Arbitration Act, 9 U.S.C. \xc2\xa7 1 et seq. If the terms of this Section 2 vary from the Administrator\xe2\x80\x99s rules, this Section 2\nshall control.\nSECTION 3: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO JUDICIAL REFERENCE. This Section 3\ngoverns Disputes that are submitted under subsection 27.1.4 for judicial reference in accordance with California Code of\nCivil Procedure, Section 638, et seq. This Section 3 may be invoked only with regard to Disputes filed in state or federal\n\n\x0ccourts located in the State of California. In no event shall this Section 3 diminish the force or effect of any venue selection\nor jurisdiction provision in this Agreement or any Related Document. Nothing herein shall preclude a party from moving\n(prior to the court ordering judicial reference) to dismiss, stay or transfer the suit to a forum outside California on grounds\nthat California is an improper, inconvenient or less suitable venue. If such motion is granted, this Section 3 shall not apply\nto any proceedings in the new forum.\nThe referee shall be a retired judge, agreed upon by the parties, from either the American Arbitration Association (AAA) or\nJudicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot agree on the referee, the party who initially\nselected the reference procedure shall request a panel of ten retired judges from either AAA or JAMS, and the court shall\nselect the referee from that panel. If AAA and JAMS are unavailable to provide this service, the court may select a referee\nby such other procedures as are used by that court. The referee shall be appointed to sit with all of the powers provided\nby law, including the power to hear and determine any or all of the issues in the proceeding, whether of fact or of law, and\nto report a statement of decision. Only for this Section 3, \xe2\x80\x9cDispute\xe2\x80\x9d includes matters regarding the validity, enforceability,\nmeaning, or scope of this Section, and class action claims brought by either party as a class representative on behalf of\nothers and claims by a class representative on either party\xe2\x80\x99s behalf as a class member. The parties agree that time is of\nthe essence in conducting the judicial reference proceeding set forth herein. Except as otherwise provided in this\nparagraph, the costs of the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by\nthe parties as the costs are incurred, unless otherwise awarded by the referee. If Lender or Bank commences a judicial\nreference proceeding regarding a consumer Dispute, Lender or Bank shall pay all referee fees, regardless of whether or\nnot the consumer is the prevailing party in such proceeding, unless such Dispute involves a claim for damages by a\nconsumer and is found by the referee to be frivolous. For purposes of this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a\nDispute involving credit or services provided by Lender or Bank, primarily for personal, family or household purposes, in\nwhich the claim for damages is less than $75,000. The referee shall hear all pre-trial and post-trial matters (including\nwithout limitation requests for equitable relief), prepare a statement of decision with written findings of fact and\nconclusions of law and apportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as\nlegal relief, provide all temporary or provisional remedies, enter equitable orders that are binding on the parties and rule\non any motion that would be authorized in a trial, including without limitation motions for summary adjudication. Judgment\nupon the award shall be entered in the court in which such proceeding was commenced and all parties shall have full\nrights of appeal. This provision will not be deemed to limit or constrain Lender\xe2\x80\x99s or Bank\xe2\x80\x99s right of offset, to obtain\nprovisional or ancillary remedies, to interplead funds in the event of a dispute, to exercise any security interest or lien\nBank or Lender may hold in property, or to comply with legal process involving accounts or other property held by Bank or\nLender.\nSECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not\nseek to enforce a jury waiver, class action waiver, arbitration provision or judicial reference provision in the event of suit,\nand (ii) acknowledges that it and the other party have been induced to enter into this Agreement by, among other things,\nmaterial reliance upon the mutual waivers, agreements, and certifications in the four Sections of this DISPUTE\nRESOLUTION PROVISION.\n28.0 : BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank\'s\n\nresponsibilities under the Fair Credit Billing Act.\n28.1 : Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more\ninformation about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights\nSummary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the\nfirst bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we\nwill not be required to investigate any potential errors. In your letter, include the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The date and dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error, and explain if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\nIf you have authorized us to pay your Account automatically from your savings or checking account or you have\nauthorized an automatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop\nthe payment your letter must reach us three business days before the automatic payment is scheduled to occur.\n28.2 : Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter\nwithin 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your 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 interest charges, and we can apply any unpaid amount against\nyour Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to\npay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay interest charges, and you will have to\n\n\x0cmake any missed payments on the questioned amount. In either case, we will send you a statement of the amount you\nowe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you\nto that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell\nanyone we report you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we\ncan\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill was correct.\n28.3 : Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with your Card and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the\nfollowing must be true:\n(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that access your credit card account do not qualify.\n(3) 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:\nAmegy Bank Bankcard Services\nP.O. Box 25787\nSalt Lake City, UT 84125-0787\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nRevised 02/01/2021\n\nM-126719\n\nA division of Zions Bancorporation, N.A. Member FDIC\n\n\x0cADDENDUM 1 \xe2\x80\x93 Disclosure Statement for Amegy Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Amegy Bank Visa credit cards: Visa\nPlatinum, Visa Classic, and Private Banking Visa Platinum (these products are no longer offered), and Private Banking\nVisa Signature Credit Cards.\nINTEREST RATES AND INTEREST CHARGES\nPurchases Annual\nPercentage Rate (APR)\n\nPrime Rate + 3.50% for Private Banking Visa Signature\nPrime Rate + 3.50% for Private Banking Visa Platinum\n(this product is no longer offered)\n\nPrime Rate + 5.50%\n\nfor Visa Platinum\n(this product is no longer offered)\n\nPrime Rate + 7.00%\n\nfor Visa Classic\n(this product is no longer offered)\n\nPrime Rate + 9.00%\n\nfor Secured Visa Classic\n(this product is no longer offered)\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPrime Rate + 6.50% for Visa Signature, Visa Platinum, and\nPrivate Banking Visa Platinum\nPrime Rate + 10.00% for Visa Classic and Secured Visa Classic\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 10.00%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\nNot to exceed the greater of $2 or 2% of each transaction amount.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n2% of each transfer amount but not less than $5 or more than $50.\n\n\xe2\x96\xaa\n\nInternational\nTransaction\n\n2% of the U.S dollar amount of each transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nNot to exceed the lesser of $15 or 5% of the payment due after unpaid for 10 days\n(including weekends).\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 2 \xe2\x80\x93 Disclosure Statement for Amegy Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Amegy Bank Visa credit cards: AmaZing\nRewards\xc2\xae Signature, AmaZing Cash\xc2\xae Signature, AmaZing Cash\xc2\xae, AmaZing Rewards\xc2\xae, AmaZing Rate\xc2\xae, AmaZing\nLaunch\xc2\xae (this product is no longer offered), and AmaZing Launch\xc2\xae Secured Credit Cards issued before 9/20/2017.\nINTEREST RATES AND INTEREST CHARGES\nPurchases Annual\nPercentage Rate (APR)\n\nPrime Rate + 5.50% for AmaZing Rate Visa\nPrime Rate + 6.50% for AmaZing Rewards Visa Signature\nPrime Rate + 7.00% for AmaZing Cash Visa Signature\nPrime Rate + 7.50% for AmaZing Rewards Visa\nPrime Rate + 8.00% for AmaZing Cash Visa\nPrime Rate + 9.99% for AmaZing Launch Secured Visa\nPrime Rate + 13.99% for AmaZing Launch Visa\n(this product is no longer offered)\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nPrime Rate + 5.50% for AmaZing Rate Visa\nPrime Rate + 6.50% for AmaZing Rewards Visa Signature\nPrime Rate + 7.00% for AmaZing Cash Visa Signature\nPrime Rate + 7.50% for AmaZing Rewards Visa\nPrime Rate + 8.00% for AmaZing Cash Visa\nPrime Rate + 9.99% for AmaZing Launch Secured Visa\nPrime Rate + 13.99% for AmaZing Launch Visa (this product is no longer offered)\nPrime Rate + 5.50% on balances transferred from your existing Amegy Bank Credit Card\nAccount to an AmaZing product.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n18.00% Fixed\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases and balance transfers if you pay your entire balance due by\nthe due date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFEES\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\nNot to exceed the greater of $2 or 2% of each transaction amount.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational\nTransaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars\nor converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nNot to exceed the lesser of $15 or 5% of the payment due after unpaid for 10 days\n(including weekends).\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 3 \xe2\x80\x93 Disclosure Statement for Amegy Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Amegy Bank Visa credit cards: AmaZing\nRewards\xc2\xae Signature, AmaZing Cash\xc2\xae Signature, AmaZing Cash\xc2\xae, AmaZing Rewards\xc2\xae, AmaZing Rate\xc2\xae, and AmaZing\nLaunch\xc2\xae Secured Credit Cards issued after 9/20/2017.\nINTEREST RATES AND INTEREST CHARGES\nPurchases Annual\nPercentage Rate (APR)\n\nPrime Rate + 5.50% to Prime Rate + 11.50%\nfor AmaZing Rate Card\n\nPrime Rate + 7.50% to Prime Rate + 11.00%\nfor AmaZing Rewards Visa Signature Card\n\nPrime Rate + 7.50% to Prime Rate + 11.00%\nfor AmaZing Cash Visa Signature Card\n\nPrime Rate + 8.00% to Prime Rate + 15.00%\nfor AmaZing Rewards Card\n\nPrime Rate + 8.00% to Prime Rate + 15.00%\nfor AmaZing Cash Card\n\nPrime Rate + 9.99% for AmaZing Launch Secured Visa Card\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPrime Rate + 5.50% for AmaZing Rate Visa\nPrime Rate + 6.50% for AmaZing Rewards Visa Signature\nPrime Rate + 7.00% for AmaZing Cash Visa Signature\nPrime Rate + 7.50% for AmaZing Rewards Visa\nPrime Rate + 8.00% for AmaZing Cash Visa\nPrime Rate + 9.99% for AmaZing Launch Secured Visa\nPrime Rate + 5.50% on balances transferred from your existing Amegy Bank Credit Card\nAccount to an AmaZing product.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\n\nPrime Rate + 18.99%\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases and balance transfers if you pay your entire balance due by\nthe due date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\nNot to exceed the greater of $2 or 2% of each transaction amount.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n4% of the transaction but not less than $10.\n\n\xe2\x96\xaa\n\nInternational\nTransaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars\nor converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\n\x0cHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 4 \xe2\x80\x93 Disclosure Statement for Amegy Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Amegy Bank credit cards: Vivid Rewards,\nAgility Cash, and Clarity credit cards.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% intro APR for 6 months from date of Card Account opening. After that,\nyour APR will be:\n\nPrime Rate + 9.00% to Prime Rate + 21.00% for Vivid\nRewards and Agility Cash Cards\n\nPrime Rate + 6.50% to Prime Rate + 15.50% for Clarity\nAPR for Balance Transfers\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nCards\nThese APRs will vary with the market based on the Prime Rate.\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00% intro APR: for 12 months on Vivid Rewards and Agility Cash; for 15 months on\nClarity on balance(s) transferred from a non-Zions Bancorporation, N.A. account.\nAfter that, your balance transfer APR will be:\nPrime Rate + 6.50% to Prime Rate + 21.00%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2 7.00% Fixed on balances transferred from your existing Zions Bancorporation\nN.A. Credit Card Account to a new Agility Cash, Clarity, or Vivid Rewards product.\nPrime Rate + 18.00% to Prime Rate + 22.00%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\nTransaction Fees:\n\nNone\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10\n\n\xe2\x96\xaa\n\nCash Advance\n\n4% of the amount of each transaction, but not less than $10 for Vivid and Agility\nCards\n3% of the amount of each transaction, but not less than $10 for Clarity Cards\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35 for Vivid and Agility Cards; None for Clarity Cards\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $30 for Vivid and Agility Cards; None for Clarity Cards\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 5 \xe2\x80\x93 Disclosure Statement for Amegy Bank\nThis Addendum applies to the following Zions Bancorporation, N.A. dba Amegy Bank Visa Wealth Management\nand Premium credit cards: Premier, Elite, and Reserve.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 10.99% to Prime Rate + 18.99% for\nPremier and Elite Cards\n\nPrime Rate + 10.99% to Prime Rate + 20.99% for\nReserve Cards\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00 % intro APR for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account. After that, your balance transfer APR will be:\nPrime Rate + 10.99% to Prime Rate + 20.99%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions\nBancorporation, N.A. Credit Card Account to a new Premium product.\n\nPrime Rate + 19.99% to Prime Rate + 20.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nPremier: $95 (waived first year)\nElite: $195\nReserve: $450; $50 per year for each additional person on account\n\nTransaction Fees:\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nCash Advance\n\n5% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $35\n\nPriority Pass Select Fees:\n(for Reserve cards only)\n\xe2\x96\xaa\n\nMembership Fee\n\n$0\n\n\xe2\x96\xaa\n\nLounge Access Fee\n\n$27 per person per visit after your five (5) complimentary visits per 12-month Priority\nPass Select Membership period.\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more\ndetails.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0c'


b'will issue, upon Your request, a PIN for use with participating ATMs.\nThis PIN is confidential and should not be disclosed to anyone. You\nmay use Your PIN to access Your Account and all sums advanced\nwill be added to Your Account balance. In the event a use of Your\nPIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may also affect\nYour rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance,\ncredit or other slips You may sign or receive when using Your Card\ncontain terms, this Agreement is the contract which solely applies\nto all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use\nof Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of the loss, theft, or possible unauthorized\nuse by calling Us at the telephone number shown in this Agreement\nor by writing to Us at the address shown in this Agreement. In any\ncase, Your liability will not exceed $50.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are\nnot liable for the refusal or inability of merchants, financial institutions and others to accept the Cards or Convenience Checks, or\nelectronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience Checks.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign\ncountries and foreign currencies, the exchange rate between transaction currency and the billing currency (U.S. dollars) will be: (a) a\nrate selected by VISA from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, which\nrate may vary from the rate VISA itself receives; or (b) the government mandated rate in effect for the applicable central processing\ndate. In each instance, You will be charged a fee in an amount equal\nto 1.00% of the settlement amount.\nTRANSACTIONS SLIPS. Your monthly statement will identify that\nmerchant, electronic terminal or financial institution at which transactions were made, but sales, cash advances, credit or other slips\ncannot be returned with the statement.\nLOST CARDS AND CONVENIENCE CHECKS. To report lost or stolen\nCredit Cards or Convenience Checks, You will immediately call Us at\nthe telephone number shown in this Agreement or write to Us at the\naddress shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for\nreturns or adjustments, they will do so by sending Us a slip which\nwill be posted to Your Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against\nfuture purchases and cash advances, or if it is $1.00 or more refund\nit on Your written request or automatically deposit it to Your Share\nAccount after six months.\nYOUR CREDIT CARD BILLING RIGHTS\nKeep this document for future use. This notice tells You about Your\nrights and Our responsibilities under the Fair Credit Billing Act.\n\nrect the error or explain to You why We believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report You\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on Your statement, and\nWe may continue to charge You interest on that amount.\n\xe2\x80\xa2 While You do not have to pay the amount in question, You are\nresponsible for the remainder of Your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against Your credit limit.\nAfter We finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If We made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If We do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest and\nfees. We will send You a statement of the amount You owe\nand the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.\nIf You receive our explanation but still believe Your bill is wrong,\nYou must write to Us within 10 days of telling Us that You still refuse\nto pay. If You do so, We cannot report You as delinquent without\nalso reporting that You are questioning Your bill. We must tell You\nthe name of anyone to whom We reported You as delinquent, and\nWe must let those organizations know when the matter has been\nsettled between Us. If We do not follow all of the rules above, You\ndo not have to pay the first $50 of the amount You question even\nif Your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT\nPURCHASES. If You are dissatisfied with the goods or services that\nYou have purchased with Your Credit Card, and you have tried in\ngood faith to correct the problem with the merchant, You may have\nthe right not to pay the remaining amount due on the purchase. To\nuse this right, all of the following must be true:\n1. The purchase must have been made in Your home state or\nwithin 100 miles of Your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that\nsold You the goods or services.)\n2. You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your Credit Card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with\nthe purchase, contact Us in writing at the above address. While We\ninvestigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our\ndecision. At that point, if We think You owe an amount and You do\nnot pay, We may report You as delinquent.\n\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. If\nYou think there is an error on Your statement, write to Us at: Heritage Grove Federal Credit Union, P.O. Box 2227, Salem, OR 97308.\nIn Your letter, give Us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If You think there is an error on Your\nbill, describe what You believe is wrong and why You believe it\nis a mistake.\nYou must contact Us:\n\xe2\x80\xa2 Within 60 days after the error appears on Your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if You want to stop payment on the amount You\nthink is wrong.\nYou must notify Us of any potential errors in writing. You may call\nUs, but if You do,\nWe are not required to investigate any potential errors and You may\nhave to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. When\nWe receive your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that\nWe received Your letter. We will also tell You if We have already corrected the error.\n2. Within 90 days of receiving Your letter, We must either cor-\n\n631 Winter Street NE\nSalem, Oregon 97301\n503-588-0211\nToll-free: 877-695-8321\nFax: 503-371-7323\nwww.OurGroveCU.com\n\nHeritage Grove\nFederal Credit Union\nVisa Credit Card\nAgreement\nand\nDisclosure Statement\n\n\x0cTHIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES\nNECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM AND VISA PLATINUM SECURED AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE\nUSE OF YOUR VISA PLATINUM AND VISA PLATINUM SECURED\nCREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE.\nPLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY\nAND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\nCREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT\nDEFINITIONS. In this Agreement, the reference to \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cUs\xe2\x80\x9d, \xe2\x80\x9cOur\xe2\x80\x9d\nand \xe2\x80\x9cCredit Union\xe2\x80\x9d mean HERITAGE GROVE FEDERAL CREDIT\nUNION. The words \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cYour\xe2\x80\x9d mean each person who accepts this Agreement or uses the VISA Platinum or VISA Platinum\nSecured Credit Card(s). The words \xe2\x80\x9cCard\xe2\x80\x9d and \xe2\x80\x9cCredit Card\xe2\x80\x9d mean\nany VISA Platinum or VISA Platinum Secured Credit Card issued\nto You by Us and any duplicates or renewals. The word \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans the\namount(s) accessible and owed under this Agreement. Convenience Checks mean the special Account access devices that We\nmay provide for Your use from time to time. If this is a joint Account,\nread singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and\nconditions constitute Our Agreement with You. Your Account may\nbe accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, convenience\nchecks, Credit Cards and the like. Regardless of the access means,\nYou promise to pay Us all amounts charged to Your Account by You\nor by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Interest\nCharges and other fees or charges described herein.\nUSE OF YOUR CARD. You may use Your Card to buy goods and\nservices in any place that it is honored and to get cash advances at\nparticipating financial institutions. You agree not to use Your Card\nfor illegal transactions including, but not limited to, advances made\nfor the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\nSECURITY. You acknowledge that You own any shares and/or collateral pledged as security and that there are no other liens against\nthem other than Ours. You agree to perform all acts which are necessary to make Our security interest in the shares and/or collateral\nbeing pledged enforceable.\nOTHER SECURITY. Collateral (other than household goods or any\ndwelling) given as security under this Agreement or for any other\nloan You may have with Us will secure all amounts You owe Us now\nand in the future if that status is reflected in the \xe2\x80\x9cTruth-in-Lending\nDisclosure\xe2\x80\x9d in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a\nlien on Your shares with Us (except IRA and Keogh Accounts)\nand any dividends due or to become due to You from Us to\nthe extent You owe on any unpaid Credit Card balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a\nVISA Platinum Secured Credit Card, You agree to give Us a specific\npledge of shares which will equal Your credit limit. In the event that\nYou default, We may apply these shares toward the repayment of\nany amount owed on Your VISA Platinum Secured Credit Card. You\nmay cancel Your VISA Platinum Secured Credit Card at any time by\npaying any amounts owed on such Credit Card. To be certain that\nYour entire balance and all advances are paid, any shares pledged\nmay not be available to You for 30 days after You have cancelled\nand any outstanding balance is paid in full.\n\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though\nYou need only pay the Minimum Monthly Payments, You understand that You have the right to repay at any time without penalty.\nYou also understand that You will only be charged periodic Interest\nCharges to the date You repay Your entire balance. You may make\nlarger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments\nto Us must be in lawful money of the United States. As permitted\nby law, We may apply payments in an order of Our choosing. Any\nunpaid portion of the Interest Charge will be paid by subsequent\npayments and will not be added to Your principal balance. You understand that any delay in the repayment of Your unpaid balance\nwill increase Your periodic Interest Charges and any acceleration in\nthe repayment of Your unpaid balance will decrease Your periodic\nInterest Charges. Minimum Payments will be an amount equal to\n3.00% of Your new unpaid balance at the end of each billing cycle,\nsubject to the lesser of $30.00 or Your balance, plus any portion of\nthe Minimum Payments shown on prior statement(s) which remains\nunpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to Your Share or Share Draft Account.\nLATE CHARGE. If Your payment is more than five days late, You will\nbe charged $35.00.\nOTHER FEES AND CHARGES. You will be charged the following\nfees associated with the use of Your Card: (a) $29.00 for any check\n(or other negotiable instrument used for payment) which is returned unpaid; (b) $5.00 for each replacement Card You request;\nand (c) $10.00 for each merchant slip copy You request.\nINTEREST CHARGES. In the case of any transactions under this\nAgreement, the balances subject to the periodic Interest Charge\nare the average daily transactions balances outstanding during the\nmonth (new and previous). To get the average daily balance, We\ntake the beginning balance each day, add any new purchases, cash\nadvances, insurance premiums, debit adjustments or other charges\nand subtract any payments, credits and unpaid Interest Charges.\nThis gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days\nin the billing cycle. The Interest Charge for the billing cycle is computed by multiplying the average daily balance subject to an Interest Charge by the Monthly Periodic Rate.\nYou can avoid Interest Charges on purchases by paying the full\namount of the entire balance owed each month within 25 days of\nYour statement closing date. Otherwise the new balance of purchases, and subsequent purchases from the date they are posted to\nYour Account, will be subject to an Interest Charge. Cash advances\nand balance transfers are always subject to an Interest Charge from\nthe later of the date they are posted to Your Account or from the\nfirst day of the billing cycle in which such transaction is posted to\nYour Account.\nRates may range from 12.90%-18.00%, subject to Our underwriting guidelines. The applicable Monthly Periodic Rates and corresponding Annual Percentage Rates will be disclosed to You on the\nseparate pricing document that We will provide to You prior to\nthe time of Your first credit advance.\nLATE PAYMENT RATE. If Your Account is ever 30 or more days\npast due twice in any six-consecutive-month period, or 60 or more\ndays past due at any time, the Monthly Periodic Rate applicable\nto Your entire existing balance at that time and in the future will\nimmediately increase to 1.50% (corresponding Annual Percentage\nRate 18.00%).\n\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit\nLimit for each Credit Card for which You are approved. Unless You\nare in default, any Credit Limits established for You will generally be\nself-replenishing as You make payments. You will keep Your unpaid\nbalance within Your Credit Limit set by Us, and You will pay any\namount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit\nLimit. Even if your unpaid balance is less than Your Credit Limit, You\nwill have no credit available during any time that You are in default.\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a\nstatement showing all transactions on Your Account including\namounts paid and borrowed since Your last statement. We will mail\nYou a statement each month in which there is a debit or credit balance or when an Interest Charge is imposed. We need not send You\na statement if We feel Your Account is uncollectible or if We have\nstarted collection proceedings against You because You defaulted.\nEach statement is deemed to be a correct statement of account\nunless You establish a billing error pursuant to the Federal TruthIn-Lending Act.\n\nJOINT ACCOUNTS. Each borrower will be responsible, jointly and\nseverally, for the repayment of any amounts owed. If any Account\naccess device, such as a Personal Identification Number (PIN), is\nrequested and approved, You understand that any such Account\naccess device(s) will be mailed only to the primary borrower at the\naddress that We have on file for You. We may refuse to follow any\ninstructions which run counter to this provision.\n\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We\nare under no obligation to honor Your Convenience Checks if: (1) by\npaying a Convenience Check, You would exceed Your Credit Limit;\n(2) Your Cards or Convenience Checks have been reported lost or\nstolen; or (3) Your Account has been cancelled or has expired. If a\npostdated Convenience Check is paid and, as a result, any other\nConvenience check is returned unpaid, We are not responsible for\n\nany resulting loss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have with Us; or (b) You should die,\nbecome involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A\njudgment or tax lien should be filed against You or any attachment\nor garnishment should be issued against any of Your property or\nrights, specifically including anyone starting an action or proceeding to seize any of Your funds on deposit with Us; and/or (e) We\nshould, in good faith, believe Your ability to repay Your indebtedness hereunder is or soon will be impaired, time being of the very\nessence. Upon any occurrence of default, We may, to the extent\npermitted by law, cancel Your rights under this Agreement, require\nthe return of all access devices and declare the entire balance of\nevery Credit Card of Your Account immediately due and payable,\nwithout prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required\nto obtain payment on this Account, to the extent permitted by law,\nYou agree to pay all court costs, private process server fees, investigation fees or other costs incurred in collection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collection any amounts owed\nunder this Agreement or in the recovery of any collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late\npayments, partial payments or any other payments, even if they are\nmarked \xe2\x80\x9cpaid in full\xe2\x80\x9d without losing any of Our rights under this\nAgreement. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain\nin full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly\nif You move or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement\nby mailing or delivering to You written notice of the changes as\nprescribed by the Federal Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rates\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase\nany credit insurance available through Us and have the premiums\nadded to Your outstanding balance. If You elect to do so, You will be\ngiven the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled\n\xe2\x80\x9cAccount Disclosure\xe2\x80\x94Federal-Truth-In-Lending Act\xe2\x80\x9d, which is delivered together with this Agreement or at a later date becomes an\nintegrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge the receipt of a copy\nof this Agreement. By signing the application; or by using Your Account or any Account access device; or by authorizing another to\nuse Your Account, You agree to accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will\nprovide facts to update information contained in Your original Account application or other financial information related to You, at\nOur request. You also agree that We may, from time to time, as\nWe deem necessary, make inquiries pertaining to Your employment,\ncredit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account\nto consumer credit reporting agencies, a prospective employer or\ninsurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any\nparticular Credit Card of Your Account, at any time, whether or not\nYou are in default. You will, in any case, remain liable to pay any\nunpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by\nthe laws of the State of Oregon except to the extent that such laws\nare inconsistent with controlling federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender\nYour Card and to discontinue its use immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER (PIN). We\n\n\x0c'