b'AKUSA 02535 14.5 SEC R 12/18\n\nCardholder Agreement\n(Including Federal Truth in Lending Disclosures)\n\n\xc2\xad\xc2\xadDear Member:\nThis Agreement is your contract. It contains disclosures required by the Federal\nTruth in Lending Act, Military Lending Act, and other applicable law. Please read\nall of it and keep it for your records because, when you have accepted, signed or\nused your Card, or the Account, you have agreed to the terms of the Agreement.\nAlaska USA Federal Credit Union\nAnchorage, Alaska\nIn this Agreement the words you, your and yours mean the Cardholder(s). The words we, us\nand our mean Alaska USA Federal Credit Union and any agent through which the Account is\nestablished.\nYou do not have to sign the Agreement, but once you have accepted, signed or used the Card,\nor the Account, the Agreement will be in force.\n\nThe following definitions apply to the terminology used in this Agreement and on your\nmonthly statement:\nAccount. The Visa\xc2\xae and/or any open-end credit account(s) approved by us for your use which is\nsubject to the Terms and Conditions o\xc2\xad\xc2\xad\xc2\xad\xc2\xadf this Agreement.\nAnnual Percentage Rate. The cost of your credit as a yearly rate.\nBilling Cycle. The time interval between regular monthly billing statement dates. This interval is\nconsidered to be equal intervals of time unless a billing date varies more than four (4) days from\nthe regular date.\nCash Advance. Credit extended by us to you in the form of a loan made when you present the\nCard to us or to any financial institution honoring the Card, or use of any other credit instrument,\ndevice, overdraft coverage plan or automated teller machine we make available to you.\nCard. Any Visa card(s) and/or other credit card(s) subject to this agreement issued to you by us,\nor other single credit device being used from time to time upon presentation to obtain money,\nproperty, labor, or services on credit. \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit by using your\naccount number without using the Card.\nCardholder. The natural person to whom a credit card is issued upon the request or application of\nthat natural person for any purpose, or a natural person who has agreed with us to pay obligations\narising from the issuance of such a credit card to another person.\nClosing Date. The date of the last day of a Billing Cycle.\nCredit Limit. The maximum amount of credit available to you as set for the Account by us from\ntime to time.\nFinance Charge. The cost of credit extended to you on the Account resulting from applying\nthe Periodic Rate to the Average Daily Balance and the Transaction Fee for Cash Advance\ntransactions.\nNew Balance. The account balance outstanding on the Closing Date.\nOther Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges\nare listed in part D of the Agreement.\nPeriodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this\nAgreement, a \xe2\x80\x9cMonthly\xe2\x80\x9d Periodic Rate is used.\nPrevious Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the\nsame amount that was shown as \xe2\x80\x9cNew Balance\xe2\x80\x9d on the Closing Date on the statement for the\npreceding Billing Cycle.)\nPurchases. Extensions of credit by us to you for purchases through sellers or lessors of goods,\nlabor, insurance and/or services that honor your Card and for other charges or debits.\nUser. The person(s) authorized by a Cardholder to obtain credit under an Account whether named\nin an application as a User, or otherwise.\n\nTERMS AND CONDITIONS\nPurchases, Cash Advances, and Balance Transfers. You can use the Card for Purchases, Cash\nAdvances, and Balance Transfers. The maximum cash advance is the lesser of your available\ncredit limit or $5,000 per day. There is no minimum amount. The maximum advance at an\nautomated teller machine is $500 per day. There is no minimum amount. The minimum for a\nbalance transfer is $500. You will owe us for these amounts plus Finance Charge and Other\nCharges, if any, all payable in U.S. Dollars.\nMonthly Statement. If you have an outstanding debit or credit New Balance in excess of $1.00 or\nif there is any Finance Charge imposed during a Billing Cycle, we will send you a statement. You\nmust pay us (or if we elect, to any party to whom we transfer and assign your Account) according\nto the Terms and Conditions of the Account.\n\nOther Terms and Conditions (including Federal Truth in Lending Disclosure)\n(A) The conditions under which a Finance Charge will be imposed:\n(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on\nPurchase transactions posted during a Billing Cycle when the Previous Balance is not\npaid in full within the first 25 days of the Billing Cycle. A Finance Charge that will accrue\nfrom the first day of the next billing cycle will also be imposed on Purchases included\nin the New Balance when the entire New Balance is not paid in full within 25 days after\nthe Closing Date. No Finance Charge will be imposed on Purchases included in the New\nBalance when the entire New Balance is paid in full within 25 days after the Closing Date.\n(2) Cash Advances/Balance Transfers. A Finance Charge in the form of a Transaction Fee\nwill be imposed on each transaction for Cash Advances posted to the Account during a\nBilling Cycle. A Finance Charge computed on a Periodic Rate basis will also be imposed\non Cash Advances/Balance Transfers from the date posted to the Account through the\ndate paid. The Finance Charge accrued on Cash Advances/Balance Transfers between\nthe Closing Date of the Billing Cycle and the date your Account is credited will appear\non your next statement. There is no time period within which to pay to avoid the Finance\nCharge on Cash Advances/Balance Transfers.\n(3) If your Account is subject to a Finance Charge other than a Cash Advance Transaction\nFee, then the more that you pay and the sooner you pay, the less your Finance Charge\nwill be.\n(B) The method of determining the balance upon which a Finance Charge will be imposed:\n(1) We figure a portion of the Finance Charge on your Account by applying a Transaction\nFee to the amount of each Cash Advance transaction posted during the Billing Cycle.\n(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate\nto the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers on your account\n(including current transactions for Cash Advances/Balance Transfers). To get the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers, we take the beginning\nbalance of Cash Advances/Balance Transfers on your Account each day, add any new\nCash Advances/Balance Transfers, and subtract any payments or credits and unpaid\nFinance Charges. This gives us the daily balance for Cash Advances/Balance Transfers.\nThen we add up all these daily balances for the Billing Cycle and divide by the number of\ndays in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/\nBalance Transfers. There is no period beyond the allowable 25 days in which credit\nextended may be paid without incurring a finance charge.\n(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your Account (including current transactions\nfor Purchases). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, we take the beginning\nbalance of Purchases on your Account each day, add any new Purchases and Other\nCharges (except Late Payment Charges), and subtract any payments or credits, unpaid\nFinance Charges and Late Payment Charges. This gives us the daily balance for\nPurchases. Then we add up all these daily balances for the Billing Cycle and divide by\nthe number of days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases. If the entire Previous Balance is paid in full within the first 25 days of the\nBilling Cycle, the Average Daily Balance of Purchases will be considered to be $0.\n\n(C) The method of determining the amount of the FINANCE CHARGE: The FINANCE CHARGE\nimposed during a Billing Cycle will be the sum of the Transaction Fee and Periodic Rate\ncomponents of the FINANCE CHARGE determined by:\n(1) Applying a Transaction Fee amounting to 2% of the amount of each current transaction\n($10.00 maximum per transaction) for Cash Advances posted during the Billing Cycle.\n(2) Applying to the Average Daily Balance for the Billing Cycle a Monthly Periodic Rate of\n1.2083% (corresponding ANNUAL PERCENTAGE RATE is 14.5%).\n(D) The conditions under which any other charges may be imposed:\n(1) Annual Card Membership Fee. A $50.00 Annual Card Membership Fee will be charged\nto your Account. If at the time of the initial fee your Card will expire in less than a\nyear, the Annual Fee will be prorated, based upon the number of months left before\nthe Card expires. Only one fee will be charged, even if more than one Card is issued\non the Account. This fee may be waived if you have an active checking account from\nAlaska USA FCU.\n(2) Late Payment Fee. A Minimum Payment not paid within 13 days after Payment Due\nDate will be subject to a single charge of 5% of the Minimum Payment due ($1.00\nminimum, $35.00 maximum).\n(3) Returned Check Charge. A $20.00 charge will be assessed to your Credit Card Account\nwhen any check submitted by you for payment on the Account is returned to us unpaid.\n(4) Research and Copying Fee. A $3.00 fee will be charged for each statement copy you\nrequest. A $12.00 per copy fee may be charged for copies of each document, in\nconnection with the Account, that you request. This fee is not imposed if the copy is for\nthe resolution of a billing error.\n(E) The conditions under which we may retain or acquire any security interest in any property to\nsecure the payment of any credit extended on the Account:\n(1) We hold a security interest in your share/savings account. Funds in this account equal\nto your credit limit on your Visa Account, are frozen and stand as security for repayment\nof your account balance and performance of the terms and conditions of your Account.\n(2) If you have pledged or shall hereafter pledge your personal residence as collateral\nsecurity for any indebtedness of which we are or become the owner and holder, it is\nhereby understood that we hereby waive any claim we might otherwise acquire against\nsaid personal residence as collateral security for any obligation to us arising from your\nuse of the Card.\n(F) The minimum periodic payment required: If you elect not to pay your balance in full, a payment\naccording to the following schedule must be made by you within 25 days after the Closing\nDate of the Billing Cycle as shown on your statement.\nMinimum Payment Schedule:\nIf your New Balance is:\nYour Minimum Payment will be:\nLess than $15\nNew Balance in full\n$15 to $500\n$15\nMore than $500\n3% of New Balance (rounded up to next whole dollar)\nIn addition to the above, the Minimum Payment will include the amount of all Past Due\npayments and the amount by which the New Balance exceeds the Credit Limit for the Account.\nPayments received shall be first applied to outstanding Finance Charges and Miscellaneous\nCharges, then to Cash Advances and Purchases previously billed, and then to Cash Advances\nand Purchases currently billed.\n(G) Your Billing Rights: Keep This Notice for Future Use. This notice contains important\ninformation about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or\nif you need information about a transaction on your bill, write us on a separate sheet at\nthe address shown on your bill. Write to us as soon as possible. We must hear from you no\nlater than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter, give us the\nfollowing information:\nn Your name and account number.\nn The dollar amount of the suspected error.\nn Describe the error and explain, if you can, why you believe there is an error. If you need\nmore information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or\nchecking account, you can stop the payment on any amount you think is wrong. To stop\nthe payment, your letter must reach us three (3) business days before the automatic\npayment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge\nyour letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the bill is correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you\nas delinquent. We can continue to bill you for the amount you question, including finance\ncharges, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments on the questioned amount. In\neither case, we will send you a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within ten (10) days telling us that\nyou still refuse to pay, we must tell anyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it is final.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even\nif your bill was correct.\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality of property or\nservices that you purchased with a credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on\nthe property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if not within your home state,\nwithin 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nMilitary Annual Percentage Rate (MAPR): Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nOral Disclosure: You may call 1-800-941-8936 to hear mandatory loan disclosures required\nby the Military Lending Act.\nCovered Borrower. A Covered Borrower is a member of the Armed Forces or a dependent of\na member of the Armed Forces who was determined to be a eligible for Covered Borrower\nstatus as that term is defined in 32 CFR Part 232 (the Department of Defense\xe2\x80\x99s regulation\nimplementing the Military Lending Act).\nChange in Status. If you are determined to be a Covered Borrower at the time this Agreement\nis entered into, and at a later date are no longer a Covered Borrower, you agree that the\nprovisions of 32 CFR Part 232 will no longer apply to this Agreement.\nSavings Clause. This Agreement may contain terms that are prohibited when applied to\nCovered Borrowers. For this reason, you and we agree that application of any term proscribed\nby 32 CFR 232.8 shall be limited to only non-covered borrowers in a manner consistent with\nother applicable law.\ncontinued on the reverse side\n\n\x0cAKUSA 02535 14.5 SEC R 12/18\n\nADDITIONAL PROVISIONS\nYou also agree to all of the following:\nMembership. If your membership with Alaska USA Federal Credit Union terminates for any reason,\nyou agree to immediately surrender all Visa cards issued on your Account(s). You also agree to\npay off all credit extended on your Account(s) according to the terms of this agreement.\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our\nproperty and must be returned to us or our agent immediately upon demand. If we ask, you will\ndestroy the Card by cutting it in half, and will surrender it to us or our agent, mail it to us, or drop\nit off at any of our offices that we direct.\nIndividual Liability. You, as an Account Holder, will be liable for all credit obtained under the\nAccount(s), whether obtained by you or by a User of the Account. If there is more than one\nAccount Holder, then each will be liable, jointly and severally, for all credit obtained under the\nAccount(s).\nCredit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit\navailable to you on an Account.\nLoss or Theft of Card. You will notify us immediately of the loss or theft, or the use without\nyour permission, of any Card or other credit instrument or device which we supply you by calling\n563-4567 in Anchorage, (800) 525-9094 outside Anchorage. Card Services is available to assist\nyou with lost or stolen cards 24/7. You further agree to confirm this notice in writing within two\n(2) business days at our address below:\nOur Address. You should address letters and other notices to us at:\nAlaska USA Federal Credit Union, Card Services,\nP.O. Box 196602, Anchorage, AK 99519-6602\nLiability of Cardholder for Unauthorized Use. Under Visa\xe2\x80\x99s Zero Liability policy, you are not liable\nfor fraudulent purchase transactions processed over the Visa network.\nTransactions. You will retain for statement verification your copy of each slip (ticket/draft)\nresulting from each Purchase, Cash Advance and other transaction on your Account. We will\nprovide you with photographic or other documentary evidence of each transaction upon your\nreasonable request or upon proper written notice of a billing error.\nTermination. Either you or we may terminate or suspend your credit privileges under this\nAgreement at any time. The provisions of this Agreement shall otherwise remain in full force and\neffect until you pay all sums due us.\nTransfer of Account. You cannot transfer an Account to any other person.\nHonoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card\nor any other credit instrument or device we supply to you.\nRefunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your\nAccount in lieu of a cash refund.\nChange of Address. You will advise us promptly if you change your mailing address. All written\nnotices and statements by us to you will be sent to your address as it appears on our records.\nCredit Reports. You authorize us to make or have made any credit, employment and investigative\ninquiries as we deem appropriate for the extension or combination of credit or collection of\namounts owing on the Account. We can furnish information concerning your Account or credit file\nto consumer reporting agencies, and others who may properly receive that information.\nIrregular Pay\xc2\xadments. We can accept late payments or partial payments, or checks and money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this Agreement.\nDefault. You will be in default on this Agreement if you do not make at least the Minimum\nPayment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit\nwithout our permission, become subject to bankruptcy or insolvency proceedings, attachment\nor garnishment proceedings are instituted against you or your property, or we reasonably deem\nourself insecure, you provide us with false information or signature, die or fail to comply with any\nprovision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date\nor after you have exceeded your Credit Limit does not waive the default. Default on any Account\nor other obligation that you have with us will constitute default on all Accounts with us. If you\nare in default, we may, at our option, declare the entire balance due without notice or demand.\nDefault Charges. You must pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred by\nus in legal proceedings to collect or enforce the debt on this Account in the event of default by you\nor in the event of a breach of any obligation by you under this Agreement; additionally, any amount\nspent or costs incurred by the credit union in the event of a default will be added to the unpaid\naccount balance and finance charges will continue to accrue at the same rate as the account.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing them.\nAmendment and Assignment. Upon such notice to you, if any, as may be required by law,\nthe terms and conditions set forth in this Agreement may be amended by us at any time,\nwhich amendment(s) shall govern any transaction occurring prior to the effective date of such\namendment(s), as to which there is any unpaid balance owing to us on the effective date of\nsuch amendment(s), and such amendment(s) shall also govern any transaction occurring after\nsuch effective date. We will have the right to assign and transfer our rights under this Agreement\nand any amounts you owe to us; and the term \xe2\x80\x9cus\xe2\x80\x9d shall be deemed to include each and every\nimmediate and successive assignee.\nForeign Transactions. If you use your Card for Purchases or Cash Advances in a currency other\nthan U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International,\nInc. under their rules set forth from time to time. Currently, the rules specify that the currency\nconversion rate is a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or the government-mandated rate in effect for the applicable central processing date.\nIf a credit is subsequently given for a transaction in a currency other than U.S. dollars and the\ncredit has a different processing date, then the converted amount of the credit may be greater/\nless than the converted amount of the original transaction. The currency conversion rate on the\nday before the transaction processing date will be used and may differ from the rate in effect at\nthe time of the original transaction. You agree to accept the converted amount in U.S. dollars.\nATM Fees. Alaska USA FCU does not charge a fee for any electronic funds transfer you make using\nyour Visa credit card. When you use an ATM not owned by Alaska USA FCU you may be charged\na fee by the ATM operator or any network used.\nIllegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo\nby an online merchant does not mean that transactions are lawful in all jurisdictions in which\ncardholders may be located.\nSeverability. If any provision of this Agreement is held invalid, all valid provisions that are\nseverable from the invalid provision remain in effect.\nCaptions and Catchlines for Reference Only. Captions and catchlines are intended solely as aids\nto convenient reference, and no inference as to intent with respect to this Agreement may be\ndrawn from them.\nLaw Governing. This Agreement is governed by Federal laws and the laws of Alaska to the extent\nthey are not preempted by Federal laws and regulations.\nHow Alaska USA will calculate your balance: Alaska USA uses a method called \xe2\x80\x9caverage daily\nbalance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\nScoreCard\xc2\xae Reward Point Program Rules\n1. Visit www.scorecardrewards.com and log in to view your Reward Point earnings ratio for every\nqualifying purchase dollar amount. A qualifying purchase (\xe2\x80\x9cQualifying Transaction\xe2\x80\x9d) shall mean: (i)\na transaction that is charged to an eligible card account covered by the Program (\xe2\x80\x9cAccount\xe2\x80\x9d), and\n(ii) a transaction that appears on Your statement during the Program period. Points are deducted\nfor returns. No Points are earned for finance charges, fees, cash advances, convenience checks,\nATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to\nyour Account. Contact Alaska USA (\xe2\x80\x9cSponsor\xe2\x80\x9d) for full details on the Program period dates during\nwhich you are eligible to earn Points.\n2. Points can be used to order only the merchandise/travel awards (\xe2\x80\x9cAward(s)\xe2\x80\x9d) available in the\ncurrent Program. You may select Awards from any level, as long as you have a sufficient number\nof Points available in your Account as of the date of your most recent earnings statement. Point\nrequirements assigned to any Award are subject to change from time to time without notice, and\nAwards may be substituted at any time. Should an Award be discontinued, it will be replaced with\nan Award of equal or greater value or, if no suitable substitute is available, you will be advised to\nmake an alternative selection or your Points may be returned to your Account.\n3. Your merchandise Award will usually be delivered by a commercial delivery service or the U.S.\nPostal Service within 4-6 weeks of processing your order. Shipments cannot be made to a post office\nbox. If you have an APO, U.S. eligible territory or international address, please contact ScoreCard\nAward Headquarters for details regarding merchandise options and shipments before ordering.\n4. Note any damages or shortages on the delivery receipt before signing to accept delivery from\nthe carrier. A merchandise Reward received damaged or defective may be returned to the shipper\nfor replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and\noriginal packaging materials must be returned with the merchandise Award.\n\n5. Applicable manufacturers\xe2\x80\x99 or providers\xe2\x80\x99 warranties, if any, will be included with your Award.\nWarranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY\nTHIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (\xe2\x80\x9cProgram Administrator\xe2\x80\x9d)\nAND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR\nIS A MEMBER IN CONNECTION WITH THE PROGRAM (\xe2\x80\x9cASSOCIATION \xe2\x80\x9c) MAKE NO AWARD,\nPRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,\nAND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY\nOR FITNESS FOR A PARTICULAR PURPOSE OF AWARDS, PRODUCTS, MERCHANDISE AND/OR\nSERVICES PROVIDED THROUGH THIS PROGRAM. THE PROGRAM ADMINISTRATOR AND ITS\nAFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM\nUSE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.\n6. Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer,\npromotion or discount; combined with cash to obtain any Awards; or, earned from or transferred to any\nother credit and/or debit card, account or rewards program, unless otherwise specified.\n7. Your ScoreCard earnings statement will normally include the number of Points earned, subject\nto adjustment as provided for in these Rules. In the event you redeem unearned Points, your\nAccount may be charged for the actual cash difference between the cost of the Award redeemed\nand the net value of the actual Points available.\n8. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party\nor otherwise not available for your use as a payment method) at the time your order is received\nfor processing. Sponsor reserves the right to suspend your participation in the Program until the\nAccount is in good standing.\n9. Despite the Program\xe2\x80\x99s best efforts to ensure accuracy, printing and website errors may\noccasionally occur. The Program Administrator reserves the right to correct such errors at any time.\n10. The Program may be modified, suspended or cancelled, and the redemption value of already\naccumulated Points may be changed, at any time without notice and without restriction or penalty.\nChanges to the Program may include, but are not limited to, modifications that affect Point\naccrual and/or expire Points based on the Point term, age and expiration date of the selected\noption(s). Award orders must be received on or before the Program end and/or Point expiration\ndate. Contact your Sponsor for details on any current promotions affecting Point accrual or\nredemption options. Points may be forfeited due to Rules violations. This Program is void where\nprohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.\n11. You agree to hold the Program Administrator and its affiliates, any Association and any\nvendors or other providers associated with the Program harmless if your Sponsor fails to meet\nits contractual or other obligations, resulting in Program interruption or termination prior to your\nredeeming your Points or receiving your Awards. You also agree to hold the Program Administrator\nand its affiliates, Sponsor and Association harmless if a Program vendor or provider files for\nbankruptcy, or otherwise goes out of business after you have redeemed your Points for an Award\nfrom the vendor or provider but before you receive or use the Award.\n12. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other\ncertificates are not exchangeable, refundable, transferrable or redeemable for cash. All travel\ncertificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced\nin the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks\nof processing your order but is not guaranteed. You may request travel certificates, tickets and\ndocuments to be delivered by overnight carrier and agree to pay any associated additional delivery\nfees before shipment. You are responsible for any airline security fees and any surcharges or\nadditional fees that may be imposed by the airlines or aviation authority and you must pay them\nby permissible credit and/or debit card at the time of the reservation booking. See the Program\nwebsite for specific travel Award terms and conditions.\n13. Your individual Program Sponsor may offer rewards opportunities and/or impose rules that\nare in addition to those stated in the Program rules. Prospective cardholders who are eligible\nto participate in the Program may contact their Program Sponsor for the Program Sponsor\xe2\x80\x99s\ncomplete rules, including information on how Reward Points are earned, how Reward Points\naccrue, when Reward Points expire, and variable Reward Points earnings ratios, if applicable.\nExisting Program participants may access the current Program Rules at any time on the Program\nwebsite. Program rules are subject to change at any time without notice.\n14. The Program Administrator shall resolve all questions of what constitutes a Qualifying\nTransaction. All such resolutions or determinations by the Program Administrator are final. The\nuse of your Account following receipt of these Rules will indicate your agreement to these Rules.\n\nCredit card disclosure\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n14.5%\n\nAPR for Balance\nTransfers\n\n14.5%\n\nAPR for Cash\nAdvances\n\n14.5%\n\nPenalty APR and\nWhen it Applies\n\nnone\n\nPaying Interest\n\nYou have 25 days to repay your balance for Purchases\nbefore being charged a finance charge. We will begin\ncharging interest on Balance Transfers and Cash\nAdvances on the transaction date.\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\nFees\nAnnual Fees\n\n$50 (waived for Alaska USA checking account holders)\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n2% of the cash advance amount ($10 maximum)\n\n\xe2\x80\xa2 Foreign Transaction No fee\nPenalty Fees\n\xe2\x80\xa2 Late payment\n\nUp to $35\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $20\n\nHow Alaska USA will calculate your balance: Alaska USA uses a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement\nfor more details.\nBilling rights: Information on your rights to dispute transactions and how to\nexercise those rights are provided in your account agreement.\n\n\x0c'


b'AKUSA 02532 10.5 R 08/20\n\nCardholder Agreement\n(Including Federal Truth in Lending Disclosures)\n\n\xc2\xad\xc2\xadDear Member:\nThis Agreement is your contract. It contains disclosures required by the Federal\nTruth in Lending Act, Military Lending Act, and other applicable law. Please read\nall of it and keep it for your records because, when you have accepted, signed or\nused your Card, or the Account, you have agreed to the terms of the Agreement.\nAlaska USA Federal Credit Union\nAnchorage, Alaska\nIn this Agreement the words you, your and yours mean the Cardholder(s). The words we, us and\nour mean Alaska USA Federal Credit Union (Alaska USA) and any agent through which the Account\nis established.\nYou do not have to sign the Agreement, but once you have accepted, signed or used the Card,\nor the Account, the Agreement will be in force.\n\nThe following definitions apply to the terminology used in this Agreement and on your\nmonthly statement:\nAccount. The Visa\xc2\xae and/or any open-end credit account(s) approved by us for your use which is\nsubject to the Terms and Conditions o\xc2\xad\xc2\xad\xc2\xad\xc2\xadf this Agreement.\nAnnual Percentage Rate. The cost of your credit as a yearly rate.\nBilling Cycle. The time interval between regular monthly billing statement dates. This interval is\nconsidered to be equal intervals of time unless a billing date varies more than four (4) days from\nthe regular date.\nCash Advance. Credit extended by us to you in the form of a loan made when you present the\nCard to us or to any financial institution honoring the Card, or use of any other credit instrument,\ndevice, overdraft coverage plan or automated teller machine we make available to you.\nCard. Any Visa card(s) and/or other credit card(s) subject to this agreement issued to you by us,\nor other single credit device being used from time to time upon presentation to obtain money,\nproperty, labor, or services on credit. \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit by using your\naccount number without using the Card.\nCardholder. The natural person to whom a credit card is issued upon the request or application of\nthat natural person for any purpose, or a natural person who has agreed with us to pay obligations\narising from the issuance of such a credit card to another person.\nClosing Date. The date of the last day of a Billing Cycle.\nCredit Limit. The maximum amount of credit available to you as set for the Account by us from\ntime to time.\nFinance Charge. The cost of credit extended to you on the Account resulting from applying\nthe Periodic Rate to the Average Daily Balance and the Transaction Fee for Cash Advance\ntransactions.\nNew Balance. The account balance outstanding on the Closing Date.\nOther Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges\nare listed in part D of the Agreement.\nPeriodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this\nAgreement, a \xe2\x80\x9cMonthly\xe2\x80\x9d Periodic Rate is used.\nPrevious Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the\nsame amount that was shown as \xe2\x80\x9cNew Balance\xe2\x80\x9d on the Closing Date on the statement for the\npreceding Billing Cycle.)\nPurchases. Extensions of credit by us to you for purchases through sellers or lessors of goods,\nlabor, insurance and/or services that honor your Card and for other charges or debits.\nUser. The person(s) authorized by a Cardholder to obtain credit under an Account whether named\nin an application as a User, or otherwise.\n\nTERMS AND CONDITIONS\nPurchases, Cash Advances, and Balance Transfers. You can use the Card for Purchases, Cash\nAdvances, and Balance Transfers. The maximum cash advance is the lesser of your available\ncredit limit or $5,000 per day. There is no minimum amount. The maximum advance at an\nautomated teller machine is $500 per day. There is no minimum amount. The minimum amount\nfor a balance transfer is $500. You will owe us for these amounts plus Finance Charge and Other\nCharges, if any, all payable in U.S. Dollars.\nMonthly Statement. If you have an outstanding debit or credit New Balance in excess of $1.00 or\nif there is any Finance Charge imposed during a Billing Cycle, we will send you a statement. You\nmust pay us (or if we elect, to any party to whom we transfer and assign your Account) according\nto the Terms and Conditions of the Account.\n\nOther Terms and Conditions (including Federal Truth in Lending Disclosure)\n(A) The conditions under which a Finance Charge will be imposed:\n(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on\nPurchase transactions posted during a Billing Cycle when the Previous Balance is not\npaid in full within the first 25 days of the Billing Cycle. A Finance Charge that will accrue\nfrom the first day of the next billing cycle will also be imposed on Purchases included\nin the New Balance when the entire New Balance is not paid in full within 25 days after\nthe Closing Date. No Finance Charge will be imposed on Purchases included in the New\nBalance when the entire New Balance is paid in full within 25 days after the Closing Date.\n(2) Cash Advances/Balance Transfers. A Finance Charge in the form of a Transaction Fee\nwill be imposed on each transaction for Cash Advances posted to the Account during a\nBilling Cycle. A Finance Charge computed on a Periodic Rate basis will also be imposed\non Cash Advances/Balance Transfers from the date posted to the Account through the\ndate paid. The Finance Charge accrued on Cash Advances/Balance Transfers between\nthe Closing Date of the Billing Cycle and the date your Account is credited will appear\non your next statement. There is no time period within which to pay to avoid the Finance\nCharge on Cash Advances/Balance Transfers.\n(3) If your Account is subject to a Finance Charge other than a Cash Advance Transaction\nFee, then the more that you pay and the sooner you pay, the less your Finance Charge\nwill be.\n(B) The method of determining the balance upon which a Finance Charge will be imposed:\n(1) We figure a portion of the Finance Charge on your Account by applying a Transaction\nFee to the amount of each Cash Advance transaction posted during the Billing Cycle.\n(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate\nto the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers on your account\n(including current transactions for Cash Advances/Balance Transfers). To get the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers, we take the beginning\nbalance of Cash Advances/Balance Transfers on your Account each day, add any new\nCash Advances/Balance Transfers, and subtract any payments or credits and unpaid\nFinance Charges. This gives us the daily balance for Cash Advances/Balance Transfers.\nThen we add up all these daily balances for the Billing Cycle and divide by the number of\ndays in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/\nBalance Transfers. There is no period beyond the allowable 25 days in which credit\nextended may be paid without incurring a finance charge.\n(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your Account (including current transactions\nfor Purchases). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, we take the beginning\nbalance of Purchases on your Account each day, add any new Purchases and Other\nCharges (except Late Payment Charges), and subtract any payments or credits, unpaid\nFinance Charges and Late Payment Charges. This gives us the daily balance for\nPurchases. Then we add up all these daily balances for the Billing Cycle and divide by\nthe number of days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases. If the entire Previous Balance is paid in full within the first 25 days of the\nBilling Cycle, the Average Daily Balance of Purchases will be considered to be $0.\n\n(C) The method of determining the amount of the FINANCE CHARGE: The FINANCE CHARGE\nimposed during a Billing Cycle will be the sum of the Transaction Fee and Periodic Rate\ncomponents of the FINANCE CHARGE determined by:\n(1) Applying a Transaction Fee amounting to 2% of the amount of each current transaction\n($10.00 maximum per transaction) for Cash Advances posted during the Billing Cycle.\n(2) Applying to the Average Daily Balance for the Billing Cycle a Monthly Periodic Rate of\n0.8750% (corresponding ANNUAL PERCENTAGE RATE is 10.5%).\n(D) The conditions under which any other charges may be imposed:\n(1) Annual Card Membership Fee. A $50.00 Annual Card Membership Fee will be charged\nto your Account. If at the time of the initial fee your Card will expire in less than a\nyear, the Annual Fee will be prorated, based upon the number of months left before\nthe Card expires. Only one fee will be charged, even if more than one Card is issued\non the Account. This fee may be waived if you have an active checking account from\nAlaska USA.\n(2) Late Payment Fee. A Minimum Payment not paid within 13 days after Payment Due\nDate will be subject to a single charge of 5% of the Minimum Payment due ($1.00\nminimum, $35.00 maximum).\n(3) Returned Check Charge. A $20.00 charge will be assessed to your Credit Card Account\nwhen any check submitted by you for payment on the Account is returned to us unpaid.\n(4) Research and Copying Fee. A $3.00 fee will be charged for each statement copy you\nrequest. A $12.00 per copy fee may be charged for copies of each document, in\nconnection with the Account, that you request. This fee is not imposed if the copy is for\nthe resolution of a billing error.\n(E) The conditions under which we may retain or acquire any security interest in any property to\nsecure the payment of any credit extended on the Account:\n(1) If we now or hereafter hold any title, pledge or security interest in any of your property,\nit may be that the terms of the instrument creating such title, pledge or security interest\nwill also secure your obligation on the Account.\n(2) If you have pledged or shall hereafter pledge your personal residence as collateral\nsecurity for any indebtedness of which we are or become the owner and holder, it is\nhereby understood that we hereby waive any claim we might otherwise acquire against\nsaid personal residence as collateral security for any obligation to us arising from your\nuse of the Card.\n(F) The minimum periodic payment required: If you elect not to pay your balance in full, a payment\naccording to the following schedule must be made by you within 25 days after the Closing\nDate of the Billing Cycle as shown on your statement.\nMinimum Payment Schedule:\nIf your New Balance is:\nYour Minimum Payment will be:\nLess than $15\nNew Balance in full\n$15 to $500\n$15\nMore than $500\n3% of New Balance (rounded up to next whole dollar)\nIn addition to the above, the Minimum Payment will include the amount of all Past Due\npayments and the amount by which the New Balance exceeds the Credit Limit for the Account.\nPayments received shall be first applied to outstanding Finance Charges and Miscellaneous\nCharges, then to Cash Advances and Purchases previously billed, and then to Cash Advances\nand Purchases currently billed.\n(G) Your Billing Rights: Keep This Notice for Future Use. This notice contains important\ninformation about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or\nif you need information about a transaction on your bill, write us on a separate sheet at\nthe address shown on your bill. Write to us as soon as possible. We must hear from you no\nlater than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter, give us the\nfollowing information:\nn Your name and account number.\nn The dollar amount of the suspected error.\nn Describe the error and explain, if you can, why you believe there is an error. If you need\nmore information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or\nchecking account, you can stop the payment on any amount you think is wrong. To stop\nthe payment, your letter must reach us three (3) business days before the automatic\npayment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge\nyour letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the bill is correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you\nas delinquent. We can continue to bill you for the amount you question, including finance\ncharges, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments on the questioned amount. In\neither case, we will send you a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within ten (10) days telling us that\nyou still refuse to pay, we must tell anyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it is final.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even\nif your bill was correct.\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality of property or\nservices that you purchased with a credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on\nthe property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if not within your home state,\nwithin 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nMilitary Annual Percentage Rate (MAPR): Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nOral Disclosure: You may call 1-800-941-8936 to hear mandatory loan disclosures required\nby the Military Lending Act.\nCovered Borrower. A Covered Borrower is a member of the Armed Forces or a dependent of\na member of the Armed Forces who was determined to be a eligible for Covered Borrower\nstatus as that term is defined in 32 CFR Part 232 (the Department of Defense\xe2\x80\x99s regulation\nimplementing the Military Lending Act).\nChange in Status. If you are determined to be a Covered Borrower at the time this Agreement\nis entered into, and at a later date are no longer a Covered Borrower, you agree that the\nprovisions of 32 CFR Part 232 will no longer apply to this Agreement.\nSavings Clause. This Agreement may contain terms that are prohibited when applied to\nCovered Borrowers. For this reason, you and we agree that application of any term proscribed\nby 32 CFR 232.8 shall be limited to only non-covered borrowers in a manner consistent with\nother applicable law.\ncontinued on the reverse side\n\n\x0cAKUSA 02532 10.5 R 08/20\n\nADDITIONAL PROVISIONS\nYou also agree to all of the following:\nMembership. If your membership with Alaska USA terminates for any reason, you agree to\nimmediately surrender all Visa cards issued on your Account(s). You also agree to pay off all\ncredit extended on your Account(s) according to the terms of this agreement.\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our\nproperty and must be returned to us or our agent immediately upon demand. If we ask, you will\ndestroy the Card by cutting it in half, and will surrender it to us or our agent, mail it to us, or drop\nit off at any of our offices that we direct.\nIndividual Liability. You, as an Account Holder, will be liable for all credit obtained under the\nAccount(s), whether obtained by you or by a User of the Account. If there is more than one Account\nHolder, then each will be liable, jointly and severally, for all credit obtained under the Account(s).\nCredit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit\navailable to you on an Account.\nLoss or Theft of Card. You will notify us immediately of the loss or theft, or the use without\nyour permission, of any Card or other credit instrument or device which we supply you by calling\n563-4567 in Anchorage, (800) 525-9094 outside Anchorage. Card Services is available to assist\nyou with lost or stolen cards 24/7. You further agree to confirm this notice in writing within two\n(2) business days at our address below:\nOur Address. You should address letters and other notices to us at:\nAlaska USA Federal Credit Union, Card Services,\nP.O. Box 196602, Anchorage, AK 99519-6602\nLiability of Cardholder for Unauthorized Use. Under Visa\xe2\x80\x99s Zero Liability policy, you are not liable\nfor fraudulent purchase transactions processed over the Visa network.\nTransactions. You will retain for statement verification your copy of each slip (ticket/draft)\nresulting from each Purchase, Cash Advance and other transaction on your Account. We will\nprovide you with photographic or other documentary evidence of each transaction upon your\nreasonable request or upon proper written notice of a billing error.\nTermination. Either you or we may terminate or suspend your credit privileges under this\nAgreement at any time. The provisions of this Agreement shall otherwise remain in full force and\neffect until you pay all sums due us.\nTransfer of Account. You cannot transfer an Account to any other person.\nHonoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card\nor any other credit instrument or device we supply to you.\nRefunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your\nAccount in lieu of a cash refund.\nChange of Address. You will advise us promptly if you change your mailing address. All written\nnotices and statements by us to you will be sent to your address as it appears on our records.\nCredit Reports. You authorize us to make or have made any credit, employment and investigative\ninquiries as we deem appropriate for the extension or combination of credit or collection of\namounts owing on the Account. We can furnish information concerning your Account or credit file\nto consumer reporting agencies, and others who may properly receive that information.\nIrregular Pay\xc2\xadments. We can accept late payments or partial payments, or checks and money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this Agreement.\nDefault. You will be in default on this Agreement if you do not make at least the Minimum\nPayment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit\nwithout our permission, become subject to bankruptcy or insolvency proceedings, attachment\nor garnishment proceedings are instituted against you or your property, or we reasonably deem\nourself insecure, you provide us with false information or signature, die or fail to comply with any\nprovision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date\nor after you have exceeded your Credit Limit does not waive the default. Default on any Account\nor other obligation that you have with us will constitute default on all Accounts with us. If you\nare in default, we may, at our option, declare the entire balance due without notice or demand.\nDefault Charges. You must pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred by\nus in legal proceedings to collect or enforce the debt on this Account in the event of default by you\nor in the event of a breach of any obligation by you under this Agreement; additionally, any amount\nspent or costs incurred by the credit union in the event of a default will be added to the unpaid\naccount balance and finance charges will continue to accrue at the same rate as the account.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing them.\nAmendment and Assignment. Upon such notice to you, if any, as may be required by law,\nthe terms and conditions set forth in this Agreement may be amended by us at any time,\nwhich amendment(s) shall govern any transaction occurring prior to the effective date of such\namendment(s), as to which there is any unpaid balance owing to us on the effective date of\nsuch amendment(s), and such amendment(s) shall also govern any transaction occurring after\nsuch effective date. We will have the right to assign and transfer our rights under this Agreement\nand any amounts you owe to us; and the term \xe2\x80\x9cus\xe2\x80\x9d shall be deemed to include each and every\nimmediate and successive assignee.\nForeign Transactions. If you use your Card for Purchases or Cash Advances in a currency other\nthan U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International,\nInc. under their rules set forth from time to time. Currently, the rules specify that the currency\nconversion rate is a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or the government-mandated rate in effect for the applicable central processing date.\nIf a credit is subsequently given for a transaction in a currency other than U.S. dollars and the\ncredit has a different processing date, then the converted amount of the credit may be greater/\nless than the converted amount of the original transaction. The currency conversion rate on the\nday before the transaction processing date will be used and may differ from the rate in effect at\nthe time of the original transaction. You agree to accept the converted amount in U.S. dollars.\nATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using\nyour Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee\nby the ATM operator or any network used.\nIllegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo\nby an online merchant does not mean that transactions are lawful in all jurisdictions in which\ncardholders may be located.\nSeverability. If any provision of this Agreement is held invalid, all valid provisions that are\nseverable from the invalid provision remain in effect.\nCaptions and Catchlines for Reference Only. Captions and catchlines are intended solely as aids\nto convenient reference, and no inference as to intent with respect to this Agreement may be\ndrawn from them.\nLaw Governing. This Agreement is governed by Federal laws and the laws of Alaska to the extent\nthey are not preempted by Federal laws and regulations.\nHow Alaska USA will calculate your balance: Alaska USA uses a method called \xe2\x80\x9caverage daily\nbalance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\nScoreCard\xc2\xae Reward Point Program Rules\n1. Visit www.scorecardrewards.com and log in to view your Reward Point earnings ratio for every\nqualifying purchase dollar amount. A qualifying purchase (\xe2\x80\x9cQualifying Transaction\xe2\x80\x9d) shall mean: (i)\na transaction that is charged to an eligible card account covered by the Program (\xe2\x80\x9cAccount\xe2\x80\x9d), and\n(ii) a transaction that appears on Your statement during the Program period. Points are deducted\nfor returns. No Points are earned for finance charges, fees, cash advances, convenience checks,\nATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to\nyour Account. Contact Alaska USA (\xe2\x80\x9cSponsor\xe2\x80\x9d) for full details on the Program period dates during\nwhich you are eligible to earn Points.\n2. Points can be used to order only the merchandise/travel awards (\xe2\x80\x9cAward(s)\xe2\x80\x9d) available in the\ncurrent Program. You may select Awards from any level, as long as you have a sufficient number\nof Points available in your Account as of the date of your most recent earnings statement. Point\nrequirements assigned to any Award are subject to change from time to time without notice, and\nAwards may be substituted at any time. Should an Award be discontinued, it will be replaced with\nan Award of equal or greater value or, if no suitable substitute is available, you will be advised to\nmake an alternative selection or your Points may be returned to your Account.\n3. Your merchandise Award will usually be delivered by a commercial delivery service or the U.S.\nPostal Service within 4-6 weeks of processing your order. Shipments cannot be made to a post office\nbox. If you have an APO, U.S. eligible territory or international address, please contact ScoreCard\nAward Headquarters for details regarding merchandise options and shipments before ordering.\n4. Note any damages or shortages on the delivery receipt before signing to accept delivery from\nthe carrier. A merchandise Reward received damaged or defective may be returned to the shipper\nfor replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and\noriginal packaging materials must be returned with the merchandise Award.\n\n5. Applicable manufacturers\xe2\x80\x99 or providers\xe2\x80\x99 warranties, if any, will be included with your Award.\nWarranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY\nTHIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (\xe2\x80\x9cProgram Administrator\xe2\x80\x9d)\nAND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR\nIS A MEMBER IN CONNECTION WITH THE PROGRAM (\xe2\x80\x9cASSOCIATION \xe2\x80\x9c) MAKE NO AWARD,\nPRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,\nAND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY\nOR FITNESS FOR A PARTICULAR PURPOSE OF AWARDS, PRODUCTS, MERCHANDISE AND/OR\nSERVICES PROVIDED THROUGH THIS PROGRAM. THE PROGRAM ADMINISTRATOR AND ITS\nAFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM\nUSE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.\n6. Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer,\npromotion or discount; combined with cash to obtain any Awards; or, earned from or transferred to any\nother credit and/or debit card, account or rewards program, unless otherwise specified.\n7. Your ScoreCard earnings statement will normally include the number of Points earned, subject\nto adjustment as provided for in these Rules. In the event you redeem unearned Points, your\nAccount may be charged for the actual cash difference between the cost of the Award redeemed\nand the net value of the actual Points available.\n8. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party\nor otherwise not available for your use as a payment method) at the time your order is received\nfor processing. Sponsor reserves the right to suspend your participation in the Program until the\nAccount is in good standing.\n9. Despite the Program\xe2\x80\x99s best efforts to ensure accuracy, printing and website errors may\noccasionally occur. The Program Administrator reserves the right to correct such errors at any time.\n10. The Program may be modified, suspended or cancelled, and the redemption value of already\naccumulated Points may be changed, at any time without notice and without restriction or penalty.\nChanges to the Program may include, but are not limited to, modifications that affect Point\naccrual and/or expire Points based on the Point term, age and expiration date of the selected\noption(s). Award orders must be received on or before the Program end and/or Point expiration\ndate. Contact your Sponsor for details on any current promotions affecting Point accrual or\nredemption options. Points may be forfeited due to Rules violations. This Program is void where\nprohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.\n11. You agree to hold the Program Administrator and its affiliates, any Association and any\nvendors or other providers associated with the Program harmless if your Sponsor fails to meet\nits contractual or other obligations, resulting in Program interruption or termination prior to your\nredeeming your Points or receiving your Awards. You also agree to hold the Program Administrator\nand its affiliates, Sponsor and Association harmless if a Program vendor or provider files for\nbankruptcy, or otherwise goes out of business after you have redeemed your Points for an Award\nfrom the vendor or provider but before you receive or use the Award.\n12. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other\ncertificates are not exchangeable, refundable, transferrable or redeemable for cash. All travel\ncertificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced\nin the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks\nof processing your order but is not guaranteed. You may request travel certificates, tickets and\ndocuments to be delivered by overnight carrier and agree to pay any associated additional delivery\nfees before shipment. You are responsible for any airline security fees and any surcharges or\nadditional fees that may be imposed by the airlines or aviation authority and you must pay them\nby permissible credit and/or debit card at the time of the reservation booking. See the Program\nwebsite for specific travel Award terms and conditions.\n13. Your individual Program Sponsor may offer rewards opportunities and/or impose rules that\nare in addition to those stated in the Program rules. Prospective cardholders who are eligible\nto participate in the Program may contact their Program Sponsor for the Program Sponsor\xe2\x80\x99s\ncomplete rules, including information on how Reward Points are earned, how Reward Points\naccrue, when Reward Points expire, and variable Reward Points earnings ratios, if applicable.\nExisting Program participants may access the current Program Rules at any time on the Program\nwebsite. Program rules are subject to change at any time without notice.\n14. The Program Administrator shall resolve all questions of what constitutes a Qualifying\nTransaction. All such resolutions or determinations by the Program Administrator are final. The\nuse of your Account following receipt of these Rules will indicate your agreement to these Rules.\n\nCredit card disclosure\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n10.5%\n\nAPR for Balance\nTransfers\n\n10.5%\n\nAPR for Cash\nAdvances\n\n10.5%\n\nPenalty APR and\nWhen it Applies\n\nnone\n\nPaying Interest\n\nYou have 25 days to repay your balance for Purchases\nbefore being charged a finance charge. We will begin\ncharging interest on Balance Transfers and Cash\nAdvances on the transaction date.\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\nFees\nAnnual Fees\n\n$50 (waived for Alaska USA checking account holders)\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n2% of the cash advance amount ($10 maximum)\n\n\xe2\x80\xa2 Foreign Transaction No fee\nPenalty Fees\n\xe2\x80\xa2 Late payment\n\nUp to $35\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $20\n\nHow Alaska USA will calculate your balance: Alaska USA uses a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement\nfor more details.\nBilling rights: Information on your rights to dispute transactions and how to\nexercise those rights are provided in your account agreement.\n\n\x0c'


b'other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between you and the Credit Union. This written agreement\nmay not be contradicted by evidence of any oral agreement.\n\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF\nTHE MILITARY AND THEIR DEPENDENTS:\n\nThe following applies if at the time this loan is made you are an active\nmember of the military or a dependent (as those terms are defined in the\nMilitary Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations\n(\xe2\x80\x9cMLA\xe2\x80\x9d), and (a) your loan is unsecured or secured by personal property or\na vehicle that you did not purchase with the proceeds of the loan; or (b) it is\notherwise determined by law that the MLA applies to your loan. If this loan\nis a revolving line of credit or credit card, the MLA ceases to apply at any\ntime during which you are not a member of the military or a dependent (as\ndefined in the MLA).\n1. NOTICE: Federal law provides important protections to members\nof the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member\nof the Armed Forces and his or her dependent may not exceed\nan annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: the costs associated with\ncredit insurance premiums or debt protection fees; fees for ancillary\nproducts sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). To receive this notice\nverbally, please call 1-800-991-2221 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits\nin any of your accounts unless you agree to establish an account in\nconnection with this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited\ninto the Secured Account after the loan is made will secure this loan.\nAny cross-collateralization provision contained in your loan or account\ndocuments will not apply to the Secured Account or your other share or\ndeposit accounts for any loan subject to the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or\nadministrative freeze under federal or state law, which gives us the right\nto apply the sums in the Secured Account or any other account(s) you\nhave with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are\nhereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any\nrequirement(s) to waive your rights to legal recourse under any\napplicable state or federal law; (c) Any demands or requirements\nconstrued as unreasonable notice from you in order to exercise your\nlegal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or\naccount agreements that are determined to be inconsistent with or\ncontradictory to these disclosures or the MLA (as they may be changed\nor amended from time to time) are inapplicable with regard to this loan.\nHowever, all other terms and conditions of the consumer credit contract\nshall remain in full force and effect.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\n\n5\n\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have to\npay 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent,\nand 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\nthe amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit 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,\ncontact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\n\nFI16866 Rev 4-2020\n\xc2\xa92009 Securian Financial Group, Inc. All rights reserved.\n\n6\n\nM-131681\n\nP.O. Box 525 \xe2\x80\xa2 Oshtemo, MI 49077-0525\n800.991.2221 \xe2\x80\xa2 www.consumerscu.org\n\nCardMember Agreement\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this\nAgreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you\nor those designated by you under the terms of this Agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d\nand the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Consumers Credit Union or its successors. By\nusing your card, you agree to all of the terms and conditions set forth herein.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST\nIN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW\nAND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED\nUNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE\nSIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL\nLAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO\nTHE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure\nyour obligations under this Agreement, unless that other collateral is your\nprincipal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum approved cash advance limit. You agree not to present your Card for\nany extension of credit in excess of your available credit limit or obtain a cash\nadvance in excess of your approved cash advance limit; however, if you do\nexceed your credit limit or cash advance limit, you understand we may require\nimmediate payment sufficient to bring the balance below the credit limit or cash\nadvance limit. We will set your credit limits and cash advance limits based on\ncreditworthiness and will increase or decrease your credit and cash advance\nlimits when and as we review your creditworthiness. We reserve the right to\ndecline transactions that we believe in our discretion will cause a loss to the\ncredit union or for any other reason.\nPersonal Identification Number (PIN). We may issue a Personal Identification\nNumber (PIN) for use with your Card. This PIN is confidential and should not\nbe disclosed to anyone. You may use your PIN and your Card to access your\naccount, and all sums advanced will be added to your account balance. In the\nevent a use of your PIN constitutes an Electronic Funds Transfer, the terms and\nconditions of your Electronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or fees;\n(c) collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law, and any\ncosts incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you.\nIllegal Transactions: You agree that your Card and account will not be used to\nmake or facilitate any illegal transactions as determined by applicable law; and\nthat any such use will constitute an event of default under this Agreement. We\nmay decline any transaction that we believe to be illegal under applicable law,\nincluding but not limited to any transaction involving or relating to any gambling\nactivity. You agree that we will have no liability or responsibility for any such\nuse by you or any authorized user(s); or for declining any such transaction. You\nfurther agree to indemnify and hold us harmless from any suits, liability, damages\n\n1\n\n\x0cor adverse action of any kind that results directly or indirectly from such illegal\nuse. You promise to pay us any and all amounts owing on your Card for any\ntransactions made by you, even if the transaction is determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction under\nthe account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay for\nall purchases and advances made by anyone you authorize to use your account,\nwhether or not you notify us that he or she will be using it. If someone else is\nauthorized to use your account and you want to end that person\xe2\x80\x99s privilege, you\nmust notify us in writing, and if he or she has a Card, you must return that Card\nwith your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law.\nAverage Daily Balance including new transactions: Interest Charges will\naccrue on your average daily balance outstanding during the month. To get the\naverage daily balance, we take the beginning balance each day, add any new\npurchases, cash advances, balance transfers or other advances, and subtract\nany payments, unpaid interest charges, and unpaid late charges. This gives us\nthe daily balance. Then, we add up all the daily balances for the billing cycle and\ndivide that by the number of days in the billing cycle. We then multiply that by\nthe periodic rate corresponding to the Annual Percentage Rate on your account.\nIf you have different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the appropriate\nperiodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases\nby paying the full amount of the new balance for purchases each month by the\ndate on which the payment is due. Otherwise, the new balance of your account,\nand subsequent advances from the date they are posted to the account, will be\nsubject to an Interest Charge. You cannot avoid Interest Charges on cash advances\nand balance transfers; even if you pay the entire cash advance balance or balance\ntransfer balance by the payment due date, you will incur the Interest Charges accrued\nfrom the date the cash advance or balance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also pay\nany and all fees that you incur as disclosed to you on your Truth-in-Lending\nStatement or similar disclosures (as may be amended from time to time), or as\ndisclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree\nto notify us immediately if your Card is ever lost or stolen or if an unauthorized\nuse may have occurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of the Card by\nsomeone other than you who does not have actual, implied or apparent authority\nfor such use, and from which you receive no benefit. The telephone number to\ncall is (800) 991-2221. You agree to follow up your call with notice in writing to us\nat: Card Services, P.O. Box 525, Oshtemo, MI 49077-0525. You also agree to\nassist us in determining the facts, circumstances and other pertinent information\nrelating to any loss, theft or possible unauthorized use of your Card and comply\nwith such procedures as we may require in connection with our investigation.\nYou will have no liability for MasterCard transactions not authorized by you,\nprovided that you have exercised reasonable care in safeguarding the Card\nfrom risk of loss or theft, and upon becoming aware of such loss or theft, you\npromptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment is\nreceived by us on a business day at the address and by the time designated on\nthe billing statement, it will be credited to your account on the date of receipt.\nIf payment is made at any location other than the address designated on the\nperiodic statement, credit for such payment may be delayed up to five (5) days.\nPayments will be applied in any order we determine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\n\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have\na bankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to take\nany of your funds held by us via legal process or if you have a judgment or\ntax lien filed against you; (6) if you make any false, inaccurate, or misleading\nstatements in any credit application or credit update; or (7) if we, in good faith,\nbelieve that your ability to repay what you owe is or soon will be impaired, or that\nyou are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your full\naccount balance without giving you notice. If immediate payment is demanded,\nyou agree to continue paying interest charges and fees until what you owe has\nbeen paid, and any shares that were given as security for your account may\nbe applied towards what you owe. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in\nthe recovery of the Card, subject to applicable law. Even if your unpaid balance\nis less than your credit limit, you will have no credit available during any time\nthat any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with such\nsuspension of services.\nPenalty APR. A penalty APR may be applied to your account if you make a\npayment that is late 60 days or more. If we increase your APRs due to a late\npayment, we may keep them at this higher level on existing and new balances\nuntil you make six consecutive on-time payments.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand\nthat we are not obligated to offer such services and may withdraw or change\nthem at any time.\nImportant Information for Rewards Cardholders. Points will expire three\nyears from the end of the calendar year in which they are earned, and will expire\non a first-in, first-out basis annually. Thus, points earned in calendar year one\nwill expire on the last business day of calendar year four. Your account must be\nopen and in good standing to redeem rewards. Some restrictions and limitations\nmay apply. Rewards points may not be available to all cardholders. The Credit\nUnion has the right to change the Rewards program at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the amount\nindicated and post such amount as a cash advance to your account. We do\nnot have to pay any item which would cause the outstanding balance in your\naccount to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any means.\nYou authorize us to investigate your credit standing when opening or reviewing\nyour account. You authorize us to disclose information regarding your account\nto credit bureau and creditors who inquire about your credit standing.\nNegative Information Notice. We may report information about your account to\ncredit bureaus. Late payments, missed payments, or other defaults on your account\nmay be reflected in your credit report.\nForeign Transactions; Currency Conversion. Purchases and cash advances\nmade in foreign currencies will be billed to you in U.S. dollars. The conversion rate\nin dollars will be a rate selected by the card company from a range of rates available\nin wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate the card company itself receives, or the governmentmandated rate in effect for the applicable central processing date in each instance.\nAll transactions processed outside of the United States (which may include internet\n\ntransactions) will be charged a foreign transaction fee in the amount disclosed on\nyour Truth-in-Lending Statement (as amended from time to time).\nCross-border Transaction Pricing. Cross-border transaction pricing refers to\nany transaction on a MasterCard branded credit card in which the cardholder\ncountry code differs from the country code of the merchant. U.S. region issuers\nwill pay MasterCard an \xe2\x80\x9cIssuer Crossborder Assessment\xe2\x80\x9d on all cross-border\nTransactions on U.S.-issued MasterCard branded credit cards. This assessment\nwill be calculated by multiplying the Issuer Settlement Amount for each Crossborder Transaction by the amount disclosed on your Truth-in-Lending Statement.\nIn addition to the Issuer Cross-border Assessment, there is a \xe2\x80\x9cCurrency Conversion\nAssessment\xe2\x80\x9d in the amount disclosed on your Truth-in-Lending Statement.\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the Card\nas well as Interest Charges and fees incurred. We may change the terms of\nthis Agreement, including the method of calculating the periodic rate, at any\ntime, by written notice, subject to applicable law. Use of the Card constitutes\nagreement and acceptance of any change in terms, unless applicable law\nrequires otherwise. Our failure to exercise any of our rights or to take any action\nshall not constitute a waiver of those rights, or an amendment or change in any\nof the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or prepayments\nwill not delay your next scheduled payment - you will still need to make the\nminimum scheduled payment by the next scheduled due date to keep your\naccount current. We may accept late payments, partial payments, checks or\nmoney orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d and such action shall not constitute final\nsettlement of your account or a waiver or forgiveness of any amounts owing\nunder this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a credit\nslip which will be posted to your account. If your credits and payments exceed\nwhat you owe us, the amount will be applied against future purchases and cash\nadvances. If the credit balance amount is $1 or more, it will be refunded upon\nyour written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not responsible\nfor goods or services that you purchase with the Card unless: (a) your purchase\nwas made in response to an advertisement we sent or participated in sending you;\nor (b) your purchase cost more than $50 and was made from a plan merchant in\nyour state or within 100 miles of your home; and only if you have made a good faith\nattempt, but have been unable to obtain satisfaction from the plan merchant. You\nmust resolve all other disputes directly with the plan merchant. We do not warrant\nany merchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need\nto be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and state\nlaw in the state in which we are primarily located, and the venue shall be located\nin the county and state in which we are primarily located. Operating regulations\nof MasterCard may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit or\n\n2\n\n3\n\n4\n\n\x0cCONSUMERS CREDIT UNION IMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\n07/30/2020\naccurate as of _________________.\nYou can contact us toll free at (800) 991-2221 or Consumers Credit Union, P.O. Box 525,\nOshtemo, MI 49077-0525 to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nMastercard Credit Card\nAnnual Percentage Rate\n(APR) for Purchases\n\n5.24 % - 22.99 %\n\nMastercard Rewards Credit Card\n\n11.24 % - 22.99 %\n\ndepending on your credit history. This APR will\nvary with the market based on the Prime Rate.\n\ndepending on your credit history. This APR will\nvary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n9.24 % - 22.99 % depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\n15.24 % - 22.99 % depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\nAPR for Balance Transfers\n\nmonths.\n% Introductory APR for\nAfter that, your Standard APR will be\n9.24 % - 22.99 % depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\nmonths.\n% Introductory APR for\nAfter that, your Standard APR will be\n15.24 % - 22.99 % depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\nPenalty APR and When\nit Applies\n\n22.99%\nThis APR may be applied to your account if you make a payment that is late 60 days or more.\nHow Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we\nmay keep them at this higher level on existing and new balances until you make six consecutive\non-time payments.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest\non purchases if you pay your entire new purchase balance by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the date the cash advance or\nbalance transfer is posted to your account.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or\nMaintain your Account\n\xe2\x80\xa2 Annual Fee:\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n4% of the amount of each transfer with a minimum of $5.00\n\xe2\x80\xa2 Cash Advance:\n4% of the amount of each cash advance with a minimum of $5.00\n\xe2\x80\xa2 Foreign Transaction &\nCross-Border Assessment: 2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency\nconversion and\n0.008% of the Issuer Settlement Amount and\n0.002% of the Issuer Settlement Amount if there is a currency conversion.\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nUp to $28.00 if your payment is late.\nNone\nUp to $28.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.\n9009 LASER FI16417 Rev 2-2019\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'