b'VISA\nCredit Card Agreement\nBY USING YOUR VISA\xc2\xae CARD YOU AGREE TO ALL THE TERMS IN THIS AGREEMENT. THIS AGREEMENT\nINCLUDES THE FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT AND SPECIAL INSTRUCTIONS\nREGARDING THE USE OF YOUR CARD GIVEN TO YOU SEPARATELY. PLEASE BE SURE TO READ THIS\nAGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF THERE ARE ANY SECTIONS YOU DO NOT\nUNDERSTAND.\n1. DEFINITION OF TERMS.\nIn this Agreement:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nThe words, \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9dour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refer to the Marriott Employees\xe2\x80\x99 Federal Credit\nUnion or any of its assigns.\nThe words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9dyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9ccardholder,\xe2\x80\x9d and \xe2\x80\x9cborrower\xe2\x80\x9d refer to each person jointly and\nindividually who applies for or otherwise is responsible for the VISA Platinum Preferred, VISA\nPlatinum Preferred with Rewards, VISA Student Advantage, or VISA Secured Credit Card.\n\xe2\x80\x9cVISA\xe2\x80\x9d or \xe2\x80\x9dcard\xe2\x80\x9d refers to the Marriott Employees\xe2\x80\x99 Federal Credit Union VISA Platinum Preferred,\nVISA Platinum Preferred with Rewards, VISA Student Advantage, or VISA Secured Credit Card\nissued to you under this Agreement and any duplicates and renewals issued by the Credit Union,\nand includes any device or check used to obtain credit or cash from the account.\n\xe2\x80\x9cAccount\xe2\x80\x9d refers to your VISA Platinum Preferred, VISA Platinum Preferred with Rewards, VISA\nStudent Advantage, or VISA Secured Credit Card account, unless otherwise stated.\n\nNOTE: If this is a joint account, read the singular pronouns in plural.\n2. USE OF CARD. You may use your account to purchase goods or services or get cash advances, up to the\ncredit limit. We may allow you to transfer balances from other credit cards. We also may issue\nconvenience checks to you from time to time. When you sign a convenience check, you request a cash\nadvance from your account. We may refuse to pay a convenience check for any reason. At your risk and\nupon your request, we will accept a stop payment request on a convenience check. You must provide us\nwith any information we may require. A stop payment request becomes effective only after we have had\na reasonable opportunity to act upon it. Our receipt of your stop payment request comes too late if: we\nhave indicated in any manner that we will pay or honor the convenience check; the convenience check is\nalready in our processing system; or we do not have a reasonable time to act upon it (and you and we\nagree that the receipt of your stop payment request on the same day as the convenience check\nis presented to us does not give us a reasonable time to act on the stop payment request). Stop payment\nrequests may be made orally or in writing. An oral stop payment request is effective for 14 calendar days\nfollowing our receipt unless confirmed by you in writing before the end of that time period. A written\nstop payment request is effective for 6 months following our receipt and must be renewed in writing. If\nyou fail to renew a stop payment request before it expires, you will be deemed to have consented to\npayment of the convenience check. You will immediately sign the back of your card upon receipt to\nensure proper use. You promise to pay the Credit Union all amounts charged to your account by you or\nby any user who has access to your account, with actual, apparent, or implied authority for its use,\nincluding finance charges and other fees or charges described in this Agreement. By signing, using, or\npermitting others to use the card, you agree to the terms and conditions contained in this Agreement, on\nthe card, on any charge slip resulting from authorized use of the card, and on any authorized Cash\nAdvance slip. You also agree to make a good-faith effort to resolve any billing dispute. You may not use\n\n\x0cyour card to initiate any type of electronic gambling transaction through the Internet. Also, you agree\nthat you will not use your card for any transaction that is illegal under applicable federal, state, or local\nlaw.\n3. JOINT ACCOUNTS. Each cardholder is responsible, jointly and severally, for the repayment of any\namounts owed. You understand that the Credit Union will mail any VISA card which is requested and\napproved only to the primary borrower at the address indicated on the account. We may refuse to follow\nany instructions which run counter to this provision.\n4. OWNERSHIP. Your card remains the property of the Credit Union, which reserves the right to cancel\nyour card at any time without notice. You agree to discontinue using your card immediately and return it\nto us or our agent designated to repossess it upon our request or revocation. If we employ an agent for\nsuch repossession, your account will be charged with any related fee.\n5. PERSONAL IDENTIFICATION NUMBER. The Credit Union will issue a Personal Identification Number\n(PIN) for use with your VISA card. This PIN is confidential. Do not disclose it to anyone. You may use your\nPIN and your VISA card to access your account. All sums advanced will be added to your account balance.\nIf any use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your Electronic\nFunds Transfer Agreement will govern such transactions to the extent that your Electronic Funds\nTransfer Agreement expands or amends this Agreement.\n6. LINE OF CREDIT LIMIT. If your application for a VISA card is approved, you will be notified of your credit\nlimit (the maximum amount of credit we agree to provide to you or on your behalf) for transactions made\nunder your account. Unless you are in default, the credit limit established for you will be self- replenishing\nas you make payment of your account. You agree to keep your unpaid balance within the credit limit set\nby us, and you promise to pay any amount over the credit limit upon our demand, whether or not we\nauthorize the advance which caused you to exceed your credit limit. We are not obligated to accept\ncharges which would cause you to exceed your credit limit. If your account is in default, you will have no\ncredit available even if your unpaid balance is less than your credit limit. You agree that we can change\nyour credit limit at any time. You may request a change to your credit limit by submitting an updated VISA\napplication to us.\n7. PERIODIC STATEMENT. On a regular basis, you will receive a statement showing all transactions on your\naccount, including amounts paid and borrowed since your last statement. You are responsible for\nmaking payments on your VISA account whether you receive a billing statement or not. See section 9.(E)\nof this Agreement.\nYou will receive one statement for all cards issued with your account number. If more than one person is\nan authorized user, the statement will be sent to the first person listed on the account. We need not\nsend you a statement if we feel your account is uncollectible or if we have started collection proceedings\nagainst you because you defaulted. Unless you establish a billing error according to the Federal Truth-lnLending Act, each statement is deemed to be correct. Your monthly statement will identify the\nmerchant, electronic terminal or financial institution at which the transactions were made. Because\nsales, cash advances, credit or other slips cannot be returned with the statement, you should retain the\ncopy of the slips furnished at the time of the transaction so that you can verify your monthly statement.\n\n\x0c8. FINANCE CHARGES. FINANCE CHARGES WILL BE IN AMOUNTS NOT IN EXCESS OF THOSE PERMITTED BY\nLAW. FINANCE CHARGES AND OTHER CHARGES THAT APPLY TO YOUR ACCOUNT ARE DISCLOSED IN THE\nFEDERAL TRUTH-IN-LENDING STATEMENT GIVEN TO YOU SEPARATELY.\n9. MINIMUM MONTHLY PAYMENT.\n(A.) Except for Visa Secured, your Minimum Payment each month will be either (1) 2% of your new\nbalance on your billing statement or $10 (whichever is greater); or (2) your new balance on your\nbilling statement, if it is less than $10; plus (3) any portion of the minimum payment(s) shown on\nthe prior statement(s) which remains unpaid, and finance and other applicable charges.\n(B.) Visa Secured Minimum Payment each month will be either (1) 3% of your new balance on your\nbilling statement or $10 (whichever is greater); or (2) your new balance, if it is less than $10; plus (3) any\nportion of the minimum payment(s) shown on the prior statement(s) which remains unpaid, and finance\nand other applicable charges.\n(C.) Though you need only pay the Minimum Payment each month, you may make larger payments or\npay your entire account balance at any time without penalty. You will only be charged periodic interest\nto the date you pay your entire account balance. Any partial payment or prepayment of your account\nwill not delay your next scheduled payment. All payments must be in lawful money of the United States\nand drawn on a U.S. institution.\nSubject to the requirements of applicable law, (a) we may select the method by which payments and\ncredits are allocated to your account in our sole discretion, and (b) if you pay more than the Minimum\nMonthly Payment required, we will apply the excess amount to the balance with the highest Annual\nPercentage Rate and then to other balances in descending order based on Annual Percentage Rates. If\nyour credits and/or payments exceed what you owe, we will hold and apply these against future\npurchases and cash advances. We will refund the credits or payments to you if you send us a written\nrequest and will refund any part of the credit balance remaining in your account after 6 months.\n(D.) VISA Secured Minimum Payments may be made through payroll deductions or other periodic\ndeposits. Otherwise they must be mailed to the address shown on your statement to avoid delays in\ncrediting your account. VISA Platinum Preferred, Platinum Preferred with Rewards and Student\nAdvantage payments must be mailed to the address shown on your statement to avoid delays in\ncrediting your account. DO NOT MAIL PAYMENTS DIRECTLY TO THE CREDIT UNION. DO NOT COMMINGLE\nYOUR CREDIT CARD PAYMENTS WITH FUNDS DESIGNATED FOR CREDIT TO OTHER ACCOUNTS. Payment\nchecks must be drawn on a financial institution or other entity domiciled in the United States. Although\nwe post your payments in the manner described above, we\nmay delay restoring your available credit limit in the amount of your payment. All credits for payments\nto your account are subject to final payment by the institution on which the item of payment was\ndrawn.\n\n\x0c(E.) At our option, we may provide for a payment skip option, which means that you may be allowed to\nskip making the Minimum Payment, for specified billing cycles. If you accept this payment skip option, we\nwill continue to apply the interest as disclosed in the Federal Truth-in Lending Statement, but no late\npayment charges will apply to the skipped payment. For the billing cycle following a skipped payment,\nall the terms and conditions of this Agreement (including the Minimum Payment and applicable late\ncharges) will continue to apply.\n(F.) The Credit Union is not responsible for billing statements which are late, lost or damaged by the U.S.\nPostal Service. If you do not receive a billing statement, you may obtain information about your new\nbalance, minimum payment and payment due date by calling 800-237-6211.\n\n10. PLEDGE OF SHARES. BY SIGNING THE PLEDGE OF SHARES SECTION OF THE APPLICATION, YOU\nPLEDGE AND GRANT TO US A SECURITY INTEREST IN YOUR CREDIT UNION SHARES, INCLUDING\nDIVIDENDS WE PAY TO YOU ON THIS ACCOUNT TO SECURE THE ACCOUNT. You acknowledge that you\nown any shares pledged. To apply for and maintain any VISA credit card, you must be a Credit Union\nmember and have a Share Savings Account with us with a $5 minimum balance, in addition to any other\nsavings requirements that may apply.\nIf you have a VISA Secured Card, you further agree:\n\xe2\x80\xa2\n\nTo place $250 of cleared funds on deposit as collateral for the card in a Special Share Savings\nAccount to qualify for a $500 VISA Secured Credit Limit. Credit limits over $500 will require funds\non deposit in a Special Share Savings Account equal to 110% of the entire limit requested.\n\n\xe2\x80\xa2\n\nTo make weekly and/or other periodic deposits of $20 (minimum) through payroll deductions to\nthat special Share Savings Account until that account reaches $550 or 110% of the credit limit,\nand maintain those funds with us as collateral for the account.\n\n\xe2\x80\xa2\n\nThat you have the option to make weekly and/or other periodic deposits to a designated Share\nSavings Account through payroll deduction in amounts equal to the minimum monthly payment\non your line of credit (which may be higher than your actual minimum monthly payment on\npurchases or cash advances).\n\n\xe2\x80\xa2\n\nThat you cannot withdraw any funds from these deposits except for amounts that exceed your\ncredit limit plus one monthly payment. You cannot withdraw any funds from these deposits while\nyour account balance exceeds your credit limit, if you are in default, or if we have blocked use of\nor requested the return of your card.\n\n\xe2\x80\xa2\n\nThe deposits and payments described in this Agreement must be made while your VISA account\nis open, while the VISA Secured Card is in your possession (regardless of your account balance),\nand after your account is closed, until it is paid in full, this agreement is terminated and your\ncard is returned to us.\n\n\x0c11. MERCHANT CREDITS. A merchant gives you credit for returns or adjustments by sending us a credit slip\nwhich is then posted to your account. You need to allow up to 30 days from the date we receive the credit\nslip for the credit to appear on your statement. If it has not been posted to your account by then, refer to\nthe Billing Rights summary below. Include a COPY of the credit slip with any correspondence.\n12. DEFAULT. You will be in default if any one of the following apply:\n\xe2\x80\xa2\n\nYou do not make a payment within 30 days after its due date or perform any obligation under\nthis Agreement, or any other Agreement you may have with us.\n\n\xe2\x80\xa2\n\nYou exceed your credit limit.\n\n\xe2\x80\xa2\n\nYou die or become involved in an insolvency, receivership or custodial proceeding brought by or\nagainst you.\n\n\xe2\x80\xa2\n\nYou have made a false or misleading statement in a credit application with us and/or in your\nrepresentations to us while you owe us money.\n\n\xe2\x80\xa2\n\nA judgment or tax lien is filed against you or any attachment or garnishment is issued against\nany of your property or rights, specifically including anyone starting an action or proceeding to\nseize any of your funds on deposit with us.\n\n\xe2\x80\xa2\n\nWe, in good faith, believe your ability to repay your indebtedness hereunder is or soon will be\nimpaired, time being of the very essence.\n\n\xe2\x80\xa2\n\nAny default occurs and is not cured to our satisfaction under any other loan or other\nindebtedness you have with us.\n\nIF YOU ARE IN DEFAULT, WE MAY IMMEDIATELY, WITHOUT NOTICE OR DEMAND AND TO THE EXTENT\nPERMITTED BY LAW, (1) CANCEL YOUR RIGHTS UNDER THIS AGREEMENT, INCLUDING ALL USE OF THE\nCARD(S), (2) DECLARE THE ENTIRE UNPAID BALANCE OF YOUR ACCOUNT IMMEDIATELY DUE AND\nPAYABLE, AND (3) REQUIRE THE RETURN OF ALL CARDS.\n\n13. ENFORCEMENT. We do not lose our rights under this Agreement if we delay enforcing them or if we\naccept late payments, partial payments, or any other payments, even if they are marked \xe2\x80\x9cpaid in full.\xe2\x80\x9d If\nany provision of this or any related Agreement is determined to be unenforceable or invalid, all other\nprovisions continue to remain in full force and effect.\n14. ASSISTANCE IN PROSECUTION. You agree to assist us (for example, by furnishing affidavits and/or\ngiving testimony) in the prosecution of any person(s) for unauthorized use of your card.\n15. NOTICES: Notice sent to any one of you will be considered notice to all. Any notices we give you shall\nbe in writing and deemed given when deposited in the U.S. mail, with postage prepaid and addressed to\nyou at your last known address in our records for your account or when sent by e-mail (if you use our\ninternet banking services) to your last known internet address. Your notices to us must be in writing and\nsent to the address shown in your most recent billing statement or as otherwise specified in this\nAgreement. If a specific notice period or type of notice is required by applicable law, the notice will be\nmade and will be binding in accordance with such law.\n\n\x0c16. CHANGE IN TERMS. To the extent permitted by law: we may change the terms of this Agreement at\nany time by notifying you of the changes as prescribed by the Federal Truth-ln-Lending Act, the right to\nchange the terms of this Agreement includes the right to change the periodic rate of interest applicable\nto your unpaid balance and/or future advances and changes may apply to all outstanding indebtedness\non the effective date of the change.\n17. REFUSAL TO HONOR CARD(S). The Credit Union is not liable for the refusal or inability of merchants,\nfinancial institutions or others to accept the card, or for the refusal or inability of electronic terminals to\nhonor the card or complete a card withdrawal or for their retention of the card.\n18. LIABILITY FOR CARDHOLDER NEGLIGENCE OR UNAUTHORIZED USE AND REPORTING LOST OR\nSTOLEN CARDS. BY accepting a VISA card, you agree to accept responsibility for safeguarding your card\nand the PIN issued to you or any other authorized user in order to prevent unauthorized transactions.\nYou agree that we may invalidate your card and PIN if unauthorized transactions occur as an apparent\nresult of your negligence. You will not be liable for unauthorized transactions on a lost or stolen card\nafter you notify \xe2\x80\x9csecurity.\xe2\x80\x9d YOU MUST REPORT A LOST OR STOLEN CARD IMMEDIATELY. Notify \xe2\x80\x9csecurity\xe2\x80\x9d\nby calling 800-237-6211 IMMEDIATELY or by writing to Fidelity National Information System on behalf of\nMarriott Employees\xe2\x80\x99 FCU, PO Box 30495 Tampa FL, 33630. You agree to tell us what you know about the\nloss or theft. We reserve the right to impose liability on you if we determine that you were negligent in\nthe handling of the account or card. In any case, your liability will not exceed $50. If you give us notice\norally, you agree to confirm it in writing. You agree that unauthorized use does not include use by a\nperson to whom you have given authority to use the account or card and that you will be liable for all use\nby such a person. To terminate that authority, you must notify us.\n19. EFFECT OF AGREEMENT. This agreement is the ONLY contract which applies to all transactions\ninvolving the card and overrides any sales, cash advance, credit, or other slips you may sign or receive\nwhen using the card.\n20. INTEGRATED DOCUMENT(S). Any separate sheet of paper labeled \xe2\x80\x9cAdditional Disclosure Federal\nTruth- In-Lending Act\xe2\x80\x9c that is delivered to you and relates to this Agreement is an integrated part of this\nAgreement and Disclosure.\n21. PAYABLE ON DEMAND. The entire principal balance of your account plus interest will become\nimmediately due and payable, at our option, under any of the following conditions:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou leave your employment with Marriott International, Inc. or any affiliate or subsidiary.\nYou fail to return a signed Agreement.\nYou are in default as defined in this Agreement.\n\nIf you are employed by Marriott International, Inc. or any affiliate or subsidiary and you leave that\nemployment, and to the extent permitted by law, you authorize that company to release to us, and\ndirect us to apply any final payments due you from that company to the balance owed to us, plus any\ncharges outstanding on your account, if we so request.\n\n\x0c22. UPDATING AND DISCLOSING FINANCIAL INFORMATION. You agree to advise us of any change in your\nfinancial condition which may affect your creditworthiness and provide us with a current account\napplication whenever we request one. At our request, you agree to provide facts to update information\ncontained in your original account application or other financial information related to you, including\ninformation related to your default. You also agree that we may make inquiries pertaining to your\nemployment, credit standing and financial responsibility in accordance with applicable laws and\nregulations as we deem necessary. You further agree that we may give information about the status and\npayment history of your account to consumer credit reporting agencies. By applying for or using the card,\nyou agree that we may provide your personal data to VISA U.S.A., its members or their agents for the\npurpose of providing emergency cash and emergency credit card replacement services.\n23. TERMINATION. Either we or you may terminate this Agreement and your account at any time by\ngiving the other party notice, but termination will not affect your obligations to pay the account balance\nplus any interest and other charges owed according to the terms of this Agreement. You must return all\ncards to us with your notice of termination. Termination by any one of you terminates the card for all of\nyou. Termination by you is effective upon our acknowledgement that your notice has been received. The\ncards you receive remain our property and you must recover and surrender all cards to us upon request\nor upon termination of this Agreement. Termination of this account will also terminate any other\nproducts or services offered in conjunction with this account.\n24. OTHER AGREEMENTS. You agree that we do not waive our rights under this Agreement if we fail to\nassert them. The Agreement binds and benefits us and our successors and assigns and binds you, your\nestate and your personal representatives.\n25. ASSIGNABILITY OF ACCOUNT. You agree the Credit Union may at any time sell, transfer, or assign\nyour\nVISA account to another financial institution.\n26. COMMUNICATIONS CONCERNING DISPUTED DEBTS: IF YOU MAKE A PAYMENT MARKED \xe2\x80\x9cPAID IN\nFULL\xe2\x80\x9d OR STATE THAT YOUR CHECK PAYS YOUR OUTSTANDING BALANCE OR IS OTHERWISE IN FULL\nSATISFACTION OF THIS AGREEMENT YOU MUST SEND THAT PAYMENT TO VISA P.O. BOX 31279 TAMPA,\nFL 33631-3279.\n27. RATE STATEMENT OF MILITARY ANNUAL PERCENTAGE (MAPR):\nFederal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). To hear this same disclosure and a general description of your payment obligations for this\ncredit card account, please call us toll-free at: 1-844-833-1907. During any period in which the\nMilitary Lending Act (\xe2\x80\x9cthe Act\xe2\x80\x9d) applies to you, no provision of your Cardholder Agreement that is\ninconsistent with the Act shall apply and your Cardholder Agreement shall be interpreted to comply\nwith the Act\n\n\x0c28. TELEPHONE MONITORING: To ensure that you received accurate and courteous customer service, on\noccasion, your call may be monitored by our employees or agents and you agree to any such monitoring.\n29. MISCELLANEOUS: This Agreement is governed by the laws of the State of Maryland except to the\nextent federal laws preempt Maryland law. We elect to extend credit under Subtitle 9 of Title 12 of the\nCommercial Law Article of the Annotated Code of Maryland, except to the extent it is preempted by\nfederal law. We can delay enforcing any of our rights any number of times without losing them.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on you statement, write us at: Fidelity National Information System on\nbehalf of\nMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nPO Box 30495\nTampa FL, 33630\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount Information: Your name and account number. Dollar Amount: The dollar amount of\nthe suspected error. Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the\nbill was correct. While we investigate whether or not there has been error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount. While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance. We can apply any unpaid amount against your\ncredit limit.\n\n\x0c\xe2\x80\xa2\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think\nyou owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home State or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your Credit Card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing at:\nFidelity National Information System on behalf of\nMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nPO Box 30495\nTampa FL, 33630\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n\n\x0cNOTICE TO OHIO RESIDENTS. Ohio laws against discrimination require that all creditors make credit\nequally available to all creditworthy customers and that credit reporting agencies maintain separate\ncredit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nNOTICE TO MASSACHUSETTS RESIDENTS. You may cancel a purchase under this Agreement if it has been\nsigned by a party thereto at a place other than the address of the seller, which may be his/her main office\nor branch thereof, provided that you notify the seller in writing at his/her main office by first-class mail\nposted or by a telegram sent or delivered by no later than midnight of the third business day following a\npurchase under this Agreement.\nNOTICE TO TEXAS RESIDENTS. This contract is subject in whole or in part to Texas law, which is enforced\nby the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas, 78705-4207. Phone\nnumber: 512-479-1285, 214-263-2016, 713-461-4074.\nNOTICE TO ILLINOIS RESIDENTS. For comparative information on interest rates, charges, fees and grace\nperiods, residents of Illinois may contact the Illinois Commissioner of Banks and Trust Companies, State\nof Illinois \xe2\x80\x93 CIP, P.O. Box 10181, Springfield, Illinois, 62791. Phone number: 800-634-5452.\n\nNOTICE TO COSIGNER: You are being asked to guarantee this debt. Think\ncarefully before you do. If the borrower does not pay the debt, you will\nhave to. Be sure you can afford to pay if you have to, and that you want to\naccept this responsibility. You may have to pay up to the full amount of\nthe debt if the borrower does not pay. You may also have to pay late fees\nor collection costs, which increase this amount. The Credit Union can\ncollect this debt from you without first trying to collect from the\nborrower. The Credit Union can use the same collection methods against\nyou that can be used against the borrower, such as suing you, garnishing\nyour wages, etc. If this debt is ever in default, that fact may become a\npart of your credit record. This notice is not the contract that makes you\nliable for the debt.\nAddress all correspondence to:\nFidelity National Information Systems (FIS)\nPO Box 30495\nTampa FL, 33630\nThis agreement is effective as of May 15, 2018 and supersedes any prior VISA disclosures.\n\n\x0cMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nADDITIONAL DISCLOSURE \xe2\x80\x93 FEDERAL TRUTH-IN LENDING ACT\nVISA CREDIT CARD\nThe following disclosure is required by law and is part of your VISA Credit Card Agreement with Marriott\nEmployees\xe2\x80\x99 Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d means each person jointly and individually who applies for or\notherwise is responsible for the VISA Platinum Preferred, VISA Platinum Preferred with Rewards, VISA\nStudent Advantage, or VISA Secured Credit\nCard issued by Marriott Employees\xe2\x80\x99 Federal Credit Union (your \xe2\x80\x9ccard\xe2\x80\x9d.) \xe2\x80\x9cWe\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refers\nto Marriott Employees\xe2\x80\x99 Federal Credit Union or any of its assigns. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA card\naccount.\nInterest Rates and Interest Charges\nAnnual Fee Platinum Preferred: None\nAnnual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances Platinum Preferred:\n9.90% to 17.90%*\n* The APR is based on your creditworthiness when you open your account.\nPaying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore\nFees:\nTransaction Fees\n\xe2\x80\xa2 Foreign Transactions - 1% of each foreign transaction in U.S. dollars\n\xe2\x80\xa2 Cash Advance - 3% of the amount of each cash advance\n\xe2\x80\xa2 Balance Transfer - 3% of the amount of each balance transfer\n\xe2\x80\xa2 Convenience Check - 3% of the amount of each convenience check\n\n\x0cPenalty Fees\n\xe2\x80\xa2 Late Payment - Up to $35\n\xe2\x80\xa2 Returned Payment - Up to $35\n\xe2\x80\xa2 Returned Convenience Check - Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d See below for more details.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nInterest: We will charge and you agree to pay interest calculated by multiplying the monthly average\ndaily balances for purchases and cash advances for your account by the monthly periodic rate. Interest is\ncalculated by multiplying the monthly average daily balances for purchases and cash advances for your\naccount by the monthly periodic rate. Balance transfers are considered cash advances. The monthly\nperiodic rate for the Platinum Credit Card would be from 0.8250% and 1.49170 (corresponding ANNUAL\nPERCENTAGE RATE would be from 9.90% to 17.90%).\nHow the Average Daily Balance is determined: The average daily balances for purchases and cash\nadvances, including balance transfers, are determined separately. Balance transfers are considered cash\nadvances. To get the average daily balances for purchases and cash advances, we start with the separate\nbalances of purchases and cash advances at the beginning of the billing cycle and then separately add\nany new purchases and new cash advances. We then subtract any payments (as of the date received) or\ncredits (as of the date of the transaction unless we have subtracted them as of a later date) applicable to\nyour purchases or cash advance balances. We do the same each day of the billing cycle. We don\xe2\x80\x99t add any\naccrued interest or charges and fees, except credit insurance (if applicable.) This gives us the separate\ndaily balances for purchases and cash advances. Then we add up the separate daily balances\nfor purchases and cash advances for each day of the billing cycle and divide each total by the number of\ndays in the billing cycle. This gives us the average daily balances for purchases and cash advances.\nInterest Accrual: Interest will begin on each purchase, cash advance and balance transfer on the\ntransaction date. Interest will be charged until you pay off the balance. For convenience checks, the\ntransaction date is the date the check is presented to us for payment. You will pay interest on each cash\nadvance from the date you get the cash advance and on each balance transfer from the date it is posted\nto your account. There is no grace period on cash advances or balance transfers.\nGrace Period for Purchases: You can avoid interest charges on new purchases when they are first billed\non a monthly statement, as described below, but not on cash advances or balance transfers. If a\nmonthly statement includes new purchases, and you make a payment that we receive by the due date\nfor that statement, which is at least 25 days after the close of the billing cycle, we will not charge\ninterest on any portion of the new purchases on that statement to which we allocate such payment,\nprovided that your current statement also shows that we received payment of the New Balance for your\nprior month\xe2\x80\x99s statement by the payment due date on that statement or that the New Balance for your\nprior month\xe2\x80\x99s statement was zero.\n\n\x0cForeign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will\nbe billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate Visa itself receives, or the government\nmandated rate in effect for the applicable central processing date, in either case, plus 1% of the amount\nof the foreign currency purchase or cash advance after its conversion into U.S. dollars. The exchange\nrate in effect on the central processing date may differ from the rate in effect on either the transaction\ndate or the posting date. The exchange rate is subject to change by Visa. These foreign transaction fees\nare finance charges.\nAnnual Membership Fee: If your account has an annual fee, we will bill it to the account each year in the\nanniversary month that your account is opened whether or not you use your account, and you agree to\npay it when billed. We will give you at least 30 days prior notice before we bill the annual fee. The\nannual fee is non-refundable unless you notify us that you wish to close your account within 30 days\nafter we provide you the statement on which the annual fee is billed. Even though you pay the annual\nfee, we may close your account and or limit your right to make transactions on your account.\nCash Advance and Balance Transfer Fees. We will charge you transaction fees for balance transfers and\ncash advances, and you agree to pay them when billed. These fees are finance charges.\nLate Fees and Other Charges: We will charge and you agree to pay the Late Payment Fee if any\nMinimum Payment is received by us more than 10 days after the due date on your monthly statement.\nThe Returned Payment fee is charged if any item (check or electronic payment) presented for payment\nis dishonored for any reason. The Returned Convenience Check fee is charged if any convenience check\n(check or electronic payment) presented for payment is dishonored for any reason.\nCredit Insurance: If you elected voluntary credit insurance when you applied for your Card, you\nunderstand that rates are not guaranteed. However, if rates increase, you will be notified in advance. For\ncoverage to be effective you must have checked the \xe2\x80\x9cYES\xe2\x80\x9d box and signed or initialed the Payment\nProtection Option when you applied for the VISA account. Credit insurance premiums will be charged to\nyour account as a purchase. The Monthly Premium per $1,000.00 of outstanding balance is:\nSingle Credit Life $0.26\nJoint Credit Life $0.47\nSingle Credit Disability $0.32\n\nOther Fees: We may charge fees for certain services that you request, for example, if you request a copy\nof a monthly statement, or for special services. We will not charge fees for copies of documents\nrequested for a billing dispute. Service fees may change from time to time. We will disclose these fees to\nyou when you request the service.\nCollection Costs: You agree to pay the reasonable attorney\xe2\x80\x99s fees, court costs and/or collection agency\nfees and costs we incur as a result of your default, to the extent allowed by law. Any collection costs we\nincur will be added to your account as a purchase.\n\n\x0cSecurity Interest. Your account is secured by all individual and joint share accounts you have with us\nnow and in the future. Collateral securing other loans you have with us may also secure this account,\nexcept that your home, investment securities and household goods will never secure this account.\n\n\x0cMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nADDITIONAL DISCLOSURE \xe2\x80\x93 FEDERAL TRUTH-IN LENDING ACT\nVISA CREDIT CARD\nThe following disclosure is required by law and is part of your VISA Credit Card Agreement with Marriott\nEmployees\xe2\x80\x99 Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d means each person jointly and individually who applies for or\notherwise is responsible for the VISA Platinum Preferred, VISA Platinum Preferred with Rewards, VISA\nStudent Advantage, or VISA Secured Credit Card issued by Marriott Employees\xe2\x80\x99 Federal Credit Union\n(your \xe2\x80\x9ccard\xe2\x80\x9d.) \xe2\x80\x9cWe\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Marriott Employees\xe2\x80\x99 Federal Credit Union or any of its\nassigns. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA card account.\nInterest Rates and Interest Charges\nAnnual Fee Platinum Preferred with Rewards: None\nAnnual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances Platinum Preferred\nwith Rewards: 11.80% to 17.90*\n* The APR is based on your creditworthiness when you open your account.\nPaying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore\nFees:\nTransaction Fees\n\xe2\x80\xa2 Foreign Transactions - 1% of each foreign transaction in U.S. dollars\n\xe2\x80\xa2 Cash Advance - 3% of the amount of each cash advance\n\xe2\x80\xa2 Balance Transfer - 3% of the amount of each balance transfer\n\xe2\x80\xa2 Convenience Check - 3% of the amount of each convenience check\nPenalty Fees\n\xe2\x80\xa2 Late Payment - Up to $35\n\xe2\x80\xa2 Returned Payment - Up to $35\n\xe2\x80\xa2 Returned Convenience Check - Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d See below for more details.\n\n\x0cBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nInterest: We will charge and you agree to pay interest calculated by multiplying the monthly average\ndaily balances for purchases and cash advances for your account by the monthly periodic rate. Interest is\ncalculated by multiplying the monthly average daily balances for purchases and cash advances for your\naccount by the monthly periodic rate. Balance transfers are considered cash advances. The monthly\nperiodic rate for the Platinum Preferred with Rewards Credit Card would be from .98330% and 1.49170%\n(corresponding ANNUAL PERCENTAGE RATE would be from 11.80% to 17.90).\nHow the Average Daily Balance is determined: The average daily balances for purchases and cash\nadvances, including balance transfers, are determined separately. Balance transfers are considered cash\nadvances. To get the average daily balances for purchases and cash advances, we start with the separate\nbalances of purchases and cash advances at the beginning of the billing cycle and then separately add\nany new purchases and new cash advances. We then subtract any payments (as of the date received) or\ncredits (as of the date of the transaction unless we have subtracted them as of a later date) applicable to\nyour purchases or cash advance balances. We do the same each day of the billing cycle. We don\xe2\x80\x99t add\nany accrued interest or charges and fees, except credit insurance (if applicable.) This gives us the\nseparate daily balances for purchases and cash advances. Then we add up the separate daily balances\nfor purchases and cash advances for each day of the billing cycle and divide each total by the number of\ndays in the billing cycle. This gives us the average daily balances for purchases and cash advances.\nInterest Accrual: Interest will begin on each purchase, cash advance and balance transfer on the\ntransaction date. Interest will be charged until you pay off the balance. For convenience checks, the\ntransaction date is the date the check is presented to us for payment. You will pay interest on each cash\nadvance from the date you get the cash advance and on each balance transfer from the date it is posted\nto your account. There is no grace period on cash advances or balance transfers.\nGrace Period for Purchases: You can avoid interest charges on new purchases when they are first billed\non a monthly statement, as described below, but not on cash advances or balance transfers. If a\nmonthly statement includes new purchases, and you make a payment that we receive by the due date\nfor that statement, which is at least 25 days after the close of the billing cycle, we will not charge\ninterest on any portion of the new purchases on that statement to which we allocate such payment,\nprovided that your current statement also shows that we received payment of the New Balance for your\nprior month\xe2\x80\x99s statement by the payment due date on that statement or that the New Balance for your\nprior month\xe2\x80\x99s statement was zero.\nForeign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will\nbe billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate Visa itself receives, or the government\nmandated rate in effect for the applicable central processing date, in either case, plus 1% of the amount\nof the foreign currency purchase or cash advance after its conversion into U.S. dollars. The exchange\nrate in effect on the central processing date may differ from the rate in effect on either the transaction\ndate or the posting date. The exchange rate is subject to change by Visa. These foreign transaction fees\nare finance charges.\n\n\x0cAnnual Membership Fee: If your account has an annual fee, we will bill it to the account each year in the\nanniversary month that your account is opened whether or not you use your account, and you agree to\npay it when billed. We will give you at least 30 days prior notice before we bill the annual fee. The\nannual fee is non-refundable unless you notify us that you wish to close your account within 30 days\nafter we provide you the statement on which the annual fee is billed. Even though you pay the annual\nfee, we may close your account and or limit your right to make transactions on your account.\nCash Advance and Balance Transfer Fees. We will charge you transaction fees for balance transfers and\ncash advances, and you agree to pay them when billed. These fees are finance charges.\nLate Fees and Other Charges: We will charge and you agree to pay the Late Payment Fee if any\nMinimum Payment is received by us more than 10 days after the due date on your monthly statement.\nThe Returned Payment fee is charged if any item (check or electronic payment) presented for payment\nis dishonored for any reason. The Returned Convenience Check fee is charged if any convenience check\n(check or electronic payment) presented for payment is dishonored for any reason.\nCredit Insurance: If you elected voluntary credit insurance when you applied for your Card, you\nunderstand that rates are not guaranteed. However, if rates increase, you will be notified in advance. For\ncoverage to be effective you must have checked the \xe2\x80\x9cYES\xe2\x80\x9d box and signed or initialed the Payment\nProtection Option when you applied for the VISA account. Credit insurance premiums will be charged to\nyour account as a purchase. The Monthly Premium per $1,000.00 of outstanding balance is:\nSingle Credit Life $0.26\nJoint Credit Life $0.47\nSingle Credit Disability $0.32\nOther Fees: We may charge fees for certain services that you request, for example, if you request a copy\nof a monthly statement, or for special services. We will not charge fees for copies of documents\nrequested for a billing dispute. Service fees may change from time to time. We will disclose these fees to\nyou when you request the service.\nCollection Costs: You agree to pay the reasonable attorney\xe2\x80\x99s fees, court costs and/or collection agency\nfees and costs we incur as a result of your default, to the extent allowed by law. Any collection costs we\nincur will be added to your account as a purchase.\nSecurity Interest. Your account is secured by all individual and joint share accounts you have with us\nnow and in the future. Collateral securing other loans you have with us may also secure this account,\nexcept that your home, investment securities and household goods will never secure this account.\n\n\x0cMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nADDITIONAL DISCLOSURE \xe2\x80\x93 FEDERAL TRUTH-IN LENDING ACT\nVISA CREDIT CARD\nThe following disclosure is required by law and is part of your VISA Credit Card Agreement with Marriott\nEmployees\xe2\x80\x99 Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d means each person jointly and individually who applies for or\notherwise is responsible for the VISA Platinum Preferred, VISA Platinum Preferred with Rewards, VISA\nStudent Advantage, or VISA Secured Credit Card issued by Marriott Employees\xe2\x80\x99 Federal Credit Union\n(your \xe2\x80\x9ccard\xe2\x80\x9d.) \xe2\x80\x9cWe\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Marriott Employees\xe2\x80\x99 Federal Credit Union or any of its\nassigns. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA card account.\nInterest Rates and Interest Charges\nAnnual Fee Student Advantage: None\nAnnual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances Student Advantage:\n15.80%\nPaying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore\nFees:\nTransaction Fees\n\xe2\x80\xa2 Foreign Transactions - 1% of each foreign transaction in U.S. dollars\n\xe2\x80\xa2 Cash Advance - 3% of the amount of each cash advance\n\xe2\x80\xa2 Balance Transfer - 3% of the amount of each balance transfer\n\xe2\x80\xa2 Convenience Check - 3% of the amount of each convenience check\nPenalty Fees\n\xe2\x80\xa2 Late Payment - Up to $35\n\xe2\x80\xa2 Returned Payment - Up to $35\n\xe2\x80\xa2 Returned Convenience Check - Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d See below for more details.\n\n\x0cBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nInterest: We will charge and you agree to pay interest calculated by multiplying the monthly average\ndaily balances for purchases and cash advances for your account by the monthly periodic rate. Interest is\ncalculated by multiplying the monthly average daily balances for purchases and cash advances for your\naccount by the monthly periodic rate. Balance transfers are considered cash advances. The monthly\nperiodic rate for the Student Advantage Credit Card is 1.3167% (corresponding ANNUAL PERCENTAGE\nRATE 15.80%).\nHow the Average Daily Balance is determined: The average daily balances for purchases and cash\nadvances, including balance transfers, are determined separately. Balance transfers are considered cash\nadvances. To get the average daily balances for purchases and cash advances, we start with the separate\nbalances of purchases and cash advances at the beginning of the billing cycle and then separately add\nany new purchases and new cash advances. We then subtract any payments (as of the date received) or\ncredits (as of the date of the transaction unless we have subtracted them as of a later date) applicable to\nyour purchases or cash advance balances. We do the same each day of the billing cycle. We don\xe2\x80\x99t add\nany accrued interest or charges and fees, except credit insurance (if applicable.) This gives us the\nseparate daily balances for purchases and cash advances. Then we add up the separate daily balances\nfor purchases and cash advances for each day of the billing cycle and divide each total by the number of\ndays in the billing cycle. This gives us the average daily balances for purchases and cash advances.\nInterest Accrual: Interest will begin on each purchase, cash advance and balance transfer on the\ntransaction date. Interest will be charged until you pay off the balance. For convenience checks, the\ntransaction date is the date the check is presented to us for payment. You will pay interest on each cash\nadvance from the date you get the cash advance and on each balance transfer from the date it is posted\nto your account. There is no grace period on cash advances or balance transfers.\nGrace Period for Purchases: You can avoid interest charges on new purchases when they are first billed\non a monthly statement, as described below, but not on cash advances or balance transfers. If a\nmonthly statement includes new purchases, and you make a payment that we receive by the due date\nfor that statement, which is at least 25 days after the close of the billing cycle, we will not charge\ninterest on any portion of the new purchases on that statement to which we allocate such payment,\nprovided that your current statement also shows that we received payment of the New Balance for your\nprior month\xe2\x80\x99s statement by the payment due date on that statement or that the New Balance for your\nprior month\xe2\x80\x99s statement was zero.\nForeign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will\nbe billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate Visa itself receives, or the government\nmandated rate in effect for the applicable central processing date, in either case, plus 1% of the amount\nof the foreign currency purchase or cash advance after its conversion into U.S. dollars. The exchange\nrate in effect on the central processing date may differ from the rate in effect on either the transaction\ndate or the posting date. The exchange rate is subject to change by Visa. These foreign transaction fees\nare finance charges.\n\n\x0cAnnual Membership Fee: If your account has an annual fee, we will bill it to the account each year in the\nanniversary month that your account is opened whether or not you use your account, and you agree to\npay it when billed. We will give you at least 30 days prior notice before we bill the annual fee. The\nannual fee is non-refundable unless you notify us that you wish to close your account within 30 days\nafter we provide you the statement on which the annual fee is billed. Even though you pay the annual\nfee, we may close your account and or limit your right to make transactions on your account.\nCash Advance and Balance Transfer Fees. We will charge you transaction fees for balance transfers and\ncash advances, and you agree to pay them when billed. These fees are finance charges.\nLate Fees and Other Charges: We will charge and you agree to pay the Late Payment Fee if any\nMinimum Payment is received by us more than 10 days after the due date on your monthly statement.\nThe Returned Payment fee is charged if any item (check or electronic payment) presented for payment\nis dishonored for any reason. The Returned Convenience Check fee is charged if any convenience check\n(check or electronic payment) presented for payment is dishonored for any reason.\nCredit Insurance: If you elected voluntary credit insurance when you applied for your Card, you\nunderstand that rates are not guaranteed. However, if rates increase, you will be notified in advance.\nFor coverage to be effective you must have checked the \xe2\x80\x9cYES\xe2\x80\x9d box and signed or initialed the Payment\nProtection Option when you applied for the VISA account. Credit insurance premiums will be charged to\nyour account as a purchase. The Monthly Premium per $1,000.00 of outstanding balance is:\nSingle Credit Life $0.26\nJoint Credit Life $0.47\nSingle Credit Disability $0.32\nOther Fees: We may charge fees for certain services that you request, for example, if you request a copy\nof a monthly statement, or for special services. We will not charge fees for copies of documents\nrequested for a billing dispute. Service fees may change from time to time. We will disclose these fees to\nyou when you request the service.\nCollection Costs: You agree to pay the reasonable attorney\xe2\x80\x99s fees, court costs and/or collection agency\nfees and costs we incur as a result of your default, to the extent allowed by law. Any collection costs we\nincur will be added to your account as a purchase.\nSecurity Interest. Your account is secured by all individual and joint share accounts you have with us\nnow and in the future. Collateral securing other loans you have with us may also secure this account,\nexcept that your home, investment securities and household goods will never secure this account.\n\n\x0cMARRIOTT EMPLOYEES\xe2\x80\x99 FEDERAL CREDIT UNION\nADDITIONAL DISCLOSURE \xe2\x80\x93 FEDERAL TRUTH-IN LENDING ACT\nVISA CREDIT CARD\nThe following disclosure is required by law and is part of your VISA Credit Card Agreement with Marriott\nEmployees\xe2\x80\x99 Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d means each person jointly and individually who applies for or\notherwise is responsible for the VISA Platinum Preferred, VISA Platinum Preferred with Rewards, VISA\nStudent Advantage, or VISA Secured Credit Card issued by Marriott Employees\xe2\x80\x99 Federal Credit Union\n(your \xe2\x80\x9ccard\xe2\x80\x9d.) \xe2\x80\x9cWe\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Marriott Employees\xe2\x80\x99 Federal Credit Union or any of its\nassigns. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA card account.\nInterest Rates and Interest Charges\nAnnual Fee VISA Secured: $25\nAnnual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances for VISA Secured:\n17.50%\nPaying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore\nFees:\nTransaction Fees\n\xe2\x80\xa2 Foreign Transactions - 1% of each foreign transaction in U.S. dollars\n\xe2\x80\xa2 Cash Advance - 3% of the amount of each cash advance\n\xe2\x80\xa2 Balance Transfer - 3% of the amount of each balance transfer\n\xe2\x80\xa2 Convenience Check - 3% of the amount of each convenience check\nPenalty Fees\n\xe2\x80\xa2 Late Payment - Up to $35\n\xe2\x80\xa2 Returned Payment - Up to $35\n\xe2\x80\xa2 Returned Convenience Check - Up to $35\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d See below for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\n\n\x0cInterest: We will charge and you agree to pay interest calculated by multiplying the monthly average\ndaily balances for purchases and cash advances for your account by the monthly periodic rate. Interest is\ncalculated by multiplying the monthly average daily balances for purchases and cash advances for your\naccount by the monthly periodic rate. Balance transfers are considered cash advances. The monthly\nperiodic rate for the VISA Secured Credit Card is 1.4583% (corresponding ANNUAL PERCENTAGE RATE\n17.50%).\nHow the Average Daily Balance is determined: The average daily balances for purchases and cash\nadvances, including balance transfers, are determined separately. Balance transfers are considered cash\nadvances. To get the average daily balances for purchases and cash advances, we start with the separate\nbalances of purchases and cash advances at the beginning of the billing cycle and then separately add any\nnew purchases and new cash advances. We then subtract any payments (as of the date received) or\ncredits (as of the date of the transaction unless we have subtracted them as of a later date) applicable to\nyour purchases or cash advance balances. We do the same each day of the billing cycle. We don\xe2\x80\x99t add any\naccrued interest or charges and fees, except credit insurance (if applicable.) This gives us the separate\ndaily balances for purchases and cash advances. Then we add up the separate daily balances\nfor purchases and cash advances for each day of the billing cycle and divide each total by the number of\ndays in the billing cycle. This gives us the average daily balances for purchases and cash advances.\nInterest Accrual: Interest will begin on each purchase, cash advance and balance transfer on the\ntransaction date. Interest will be charged until you pay off the balance. For convenience checks, the\ntransaction date is the date the check is presented to us for payment. You will pay interest on each cash\nadvance from the date you get the cash advance and on each balance transfer from the date it is posted\nto your account. There is no grace period on cash advances or balance transfers.\nGrace Period for Purchases: You can avoid interest charges on new purchases when they are first billed\non a monthly statement, as described below, but not on cash advances or balance transfers. If a\nmonthly statement includes new purchases, and you make a payment that we receive by the due date\nfor that statement, which is at least 25 days after the close of the billing cycle, we will not charge\ninterest on any portion of the new purchases on that statement to which we allocate such payment,\nprovided that your current statement also shows that we received payment of the New Balance for your\nprior month\xe2\x80\x99s statement by the payment due date on that statement or that the New Balance for your\nprior month\xe2\x80\x99s statement was zero.\nForeign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will\nbe billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate\nselected by MasterCard from the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate MasterCard itself receives, or the government\nmandated rate in effect for the applicable central processing date, in either case, plus 1% of the amount\nof the foreign currency purchase or cash advance after its conversion into U.S. dollars. The exchange rate\nin effect on the central processing date may differ from the rate in effect on either the transaction date or\nthe posting date. The exchange rate is subject to change by MasterCard. These foreign transaction fees\nare finance charges.\n\n\x0cAnnual Membership Fee: If your account has an annual fee, we will bill it to the account each year in the\nanniversary month that your account is opened whether or not you use your account, and you agree to\npay it when billed. We will give you at least 30 days prior notice before we bill the annual fee. The\nannual fee is non-refundable unless you notify us that you wish to close your account within 30 days\nafter we provide you the statement on which the annual fee is billed. Even though you pay the annual\nfee, we may close your account and or limit your right to make transactions on your account.\nCash Advance and Balance Transfer Fees. We will charge you transaction fees for balance transfers and\ncash advances, and you agree to pay them when billed. These fees are finance charges.\nLate Fees and Other Charges: We will charge and you agree to pay the Late Payment Fee if any\nMinimum Payment is received by us more than 10 days after the due date on your monthly statement.\nThe Returned Payment fee is charged if any item (check or electronic payment) presented for payment\nis dishonored for any reason.\nCredit Insurance: If you elected voluntary credit insurance when you applied for your Card, you\nunderstand that rates are not guaranteed. However, if rates increase, you will be notified in advance.\nFor coverage to be effective you must have checked the \xe2\x80\x9cYES\xe2\x80\x9d box and signed or initialed the\nPayment Protection Option when you applied for the VISA account. Credit insurance premiums will\nbe charged to your account as a purchase. The Monthly Premium per $1,000.00 of outstanding\nbalance is:\nSingle Credit Life $0.26\nJoint Credit Life $0.47\nSingle Credit Disability $0.32\nOther Fees: We may charge fees for certain services that you request, for example, if you\nrequest a copy of a monthly statement, or for special services. We will not charge fees for\ncopies of documents requested for a billing dispute. Service fees may change from time to\ntime. We will disclose these fees to you when you request the service.\nCollection Costs: You agree to pay the reasonable attorney\xe2\x80\x99s fees, court costs and/or collection agency\nfees and costs we incur as a result of your default, to the extent allowed by law. Any collection costs we\nincur will be added to your account as a purchase.\nSecurity Interest. Your account is secured by all individual and joint share accounts you\nhave with us now and in the future. Collateral securing other loans you have with us may\nalso secure this account, except that your home, investment securities and household\ngoods will never secure this account.\n\nRevised May 15, 2018\n\n\x0c\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA GOLD/VISA CLASSIC/VISA SECURED/VISA U\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Upward Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this\nAgreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n10413506-MXC30-P-1-081517 (MXC302-E)\n\n\x0cYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges.\n9. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n10. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nPage 2 of 5\n10413506-MXC30-P-1-081517 (MXC302-E)\n\n\x0cYour bill or call Us at 866-437-4959, seven days a week 24 hours a day or 650-231-1300, Monday through Friday 9:00\na.m. to 4:00 p.m. Pacific Time.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n11. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n12. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n13. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n14. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n15. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n16. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n17. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n18. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nCalifornia.\n19. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n20. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\nPage 3 of 5\n10413506-MXC30-P-1-081517 (MXC302-E)\n\n\x0c21. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n22. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n23. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n24. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n25. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n26. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n27. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n28. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n29. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n30. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n31. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 4 of 5\n10413506-MXC30-P-1-081517 (MXC302-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n10413506-MXC30-P-1-081517 (MXC302-E)\n\n\x0c'