b'V I S A A P P L I CAT I O N\n\nBalance Transfer Form\nIf you wish Forest Area Federal Credit Union (FAFCU) to pay all or\npart of an existing balance(s) on a credit/charge card(s) please fill\nout the following information.\n____________________________________________________________\nName\n____________________________________________________________\nFAFCU Account #\n\nI hereby authorize FAFCU to pay all or part of the balance(s) due for\nthe following credit/charge card(s) by means of a CASH ADVANCE\ncharged to my FAFCU Visa card.\n\n1. __________________________________________________________\nName of Card Issuer (Citibank, Macy\xe2\x80\x99s, etc.)\n____________________________________________________________\nAccount #\nAmount to be paid\n____________________________________________________________\nAddress\n____________________________________________________________\nCity\nState\nZip\n2. __________________________________________________________\nName of Card Issuer (Citibank, Macy\xe2\x80\x99s, etc.)\n____________________________________________________________\nAccount #\nAmount to be paid\n____________________________________________________________\nAddress\n____________________________________________________________\nCity\nState\nZip\n(Please enclose additional sheets if necessary)\n\nI understand that FAFCU is not responsible for my payment being\nlate or lost in the mail. I also understand that there may be\noutstanding charges on my account and this advance may not pay\noff the total balance due. I further understand that if there is an\ninsufficient limit on my FAFCU credit card, that you (FAFCU) will\npay off my balances in the order listed.\nx __________________________________________________________\nMember\xe2\x80\x99s Signature\nDate\nx __________________________________________________________\nJoint Applicant\xe2\x80\x99s Signature\nDate\n\nServing Our Membership Family\n638 Boyd Street\nFife Lake, Michigan 49633\n(231) 879-4154\n782 South Cedar St.\nKalkaska, Michigan 49646\n(231) 258-2665\n6966 Cougar Trail\nKingsley, Michigan 49649\n(231) 263-3790\n516 N. Michigan Ave.\nManton, Michigan 49663\n(231) 824-3060\n\n\x0cForest Area Federal\nCredit Union Services\n\xe2\x80\xa2 Share Accounts\n\xe2\x80\xa2 Draft Accounts\n\xe2\x80\xa2 Christmas Clubs\n\xe2\x80\xa2 Money Orders\n\xe2\x80\xa2 IRA\xe2\x80\x99s\n\xe2\x80\xa2 Visa Gift Cards\n\xe2\x80\xa2 Share Certificates\n\xe2\x80\xa2 Night Depository\n\xe2\x80\xa2 Life Insurance\n\xe2\x80\xa2 Auto Insurance Discounts\n\xe2\x80\xa2 Direct Deposit\n\xe2\x80\xa2 Payroll Deduction\n\xe2\x80\xa2 Land Contract Collection\n\xe2\x80\xa2 Bill Paying\n\xe2\x80\xa2 Loans\n\xe2\x80\xa2 Mortgages\n\xe2\x80\xa2 Home Equity Line of Credit\n\xe2\x80\xa2 Loan Protection Insurance \xe2\x80\x93\nLife & A&H\n\xe2\x80\xa2 Notary Public Services\n\xe2\x80\xa2 Visa\n\xe2\x80\xa2 ATM/Debit Cards\n\xe2\x80\xa2 Home Banking/Phone Banking\n\xe2\x80\xa2 Electronic Filing of Income Tax\n\xe2\x80\xa2 Fax Service\n\xe2\x80\xa2 Copy Service\n\xe2\x80\xa2 ATM machines at all office locations\n\xe2\x80\xa2 Free Online Bill Pay\n\nCUSO Services:\n\n\xe2\x80\xa2 Payroll Processing\n\xe2\x80\xa2 Quick Books Training\n\xe2\x80\xa2 Electronic Filing of Income\nTax Returns\n\xe2\x80\xa2 Income Tax Preparation\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n8.90% - 11.90%\n\nAPR for Balance Transfers\n\n8.90% - 11.90%\nBased on your credit worthiness obtained thru Transunion\n\nAPR for Cash Advances\n\n8.90% - 11.90%\nBased on your credit worthiness obtained thru Transunion\n\nPenalty APR and When it Applies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nBased on your credit worthiness obtained thru Transunion\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\n1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\n$20\nNone\n$10\n\nHow we Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your Credit\nCard Agreement and Disclosures for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit\nCard Agreement and Disclosures.\nThe information provided in these disclosures was accurate as of January 2014, the date of printing, and is subject to\nchange. To obtain information regarding any changes, you may contact the credit union at (231) 879-4154 or write to us at\n638 Boyd St., Fife Lake, MI 49633.\n\n\x0cNOTICE: Married applicants may apply for individual credit.\nCheck the box indicating the type of credit you are applying for:\nMember Account Number ____________________ Requested Credit Limit __________________\n1) Complete applicant section if you are relying only on your own income and assets to establish credit.\nIndividual\n2) Complete other applicant section providing information about your spouse or former spouse if you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI) or\nCredit:\nif you are relying on alimony, child support or separate maintenance payments to establish credit.\nJoint\n1) Complete applicant and co-applicant section providing information about you and the other party.\nCredit:\n2) Each joint applicant must sign below.\n\nx\nx\nWe intend to apply for joint credit: (Applicant) ____________________________________________________\n(Co-Applicant) ___________________________________________________\n\nImportant information about procedures for opening a new account:\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person\nwho opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.\nWe may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\n\nIf you are applying for credit in your name only, do not complete portion on co-applicant. Check One o Co-Applicant (Joint) o Authorized Users\n\nAPPLICANT NAME\n\nHOME ADDRESS (STREET & NO.)\n\nHOW LONG?\n\nPREVIOUS HOME ADDRESS\n\nHOW LONG?\n\nCITY-STATE-ZIP\n\nHOME PHONE NO.\n\nSOCIAL SECURITY NO.\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\n\nBUSINESS PHONE NO.\nEMPLOYER\n\nBUSINESS ADDRESS\n\nBIRTH DATE\n\nNO. OF DEPENDENTS\n\nDRIVERS LICENSE NO. AND STATE\n\nGROSS MONTHLY INCOME\n$\nPOSITION\n\nAGES\n\nNET MONTHLY PAY\n$\nHOW LONG?\n\nCO-APPLICANT NAME\n\nHOME ADDRESS (STREET & NO.)\n\nHOW LONG?\n\nPREVIOUS HOME ADDRESS\n\nHOW LONG?\n\nCITY-STATE-ZIP\n\nHOME PHONE NO.\n\nBIRTH DATE\n\nSOCIAL SECURITY NO.\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\nBUSINESS PHONE NO.\n\nRELATIONSHIP TO APPLICANT\n\nDRIVERS LICENSE NO. AND STATE\n\nGROSS MONTHLY INCOME\n$\nPOSITION\n\nEMPLOYER\n\nBUSINESS ADDRESS\n\nNET MONTHLY PAY\n$\nHOW LONG?\n\nAlimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.\nAlimony, child support, separate maintenance received under:\nwritten agreement o\noral understanding o\ncourt order o\nOther income: $________ per ______. Source(s) of other income: __________\n___________________________________________________________________\nIs any income listed in this Section likely to be reduced in the next two years?\no Yes (Explain in detail on a separate sheet.)\no No\n\nAlimony, child support, separate maintenance received under:\nwritten agreement o\noral understanding o\ncourt order o\nOther income: $________ per ______. Source(s) of other income: _________\n__________________________________________________________________\nIs any income listed in this Section likely to be reduced in the next two years?\no Yes (Explain in detail on a separate sheet.)\no No\n\nOUTSTANDING DEBTS (Include charge accounts, installment contracts, credit cards, rent, mortgages, etc. Use separate sheet if necessary.)\n\nMORTGAGEE OR LANDLORD\n\nNAME AND ADDRESS (OTHER DEBTS)\nAUTO OWNED - MAKE\n\nPAYMENT ADDRESS\n\nAPPROX. MARKET VALUE\n\nORIGINAL AMOUNT\n$\n\nACCOUNT NUMBER\n\n$\n\n$\n\nFINANCED BY\n\n$\nOther Obligations - (For example, liability to pay alimony, child support, separate maintenance. Use separate sheet if necessary.)\n\nCHECKING/SHARE DRAFT ACCT. NO.\n\nLOCATION\n\nSAVINGS ACCOUNT NO.\n\nBALANCE DUE\n$\n\n$\n\n$\nMONTHLY PMT.\n$\n\n2)\n\nAre you a co-borrower, co-signer, endorser,\nor guarantor on any loan or contract?\n\nADDRESS (CITY-STATE-ZIP)\n\nIf \xe2\x80\x9cyes\xe2\x80\x9d\nfor whom?\n\no Yes o No\n\n$\n\n$\n\nLOCATION\n\nCREDIT INSURANCE: Credit insurance is available for a nominal cost for this loan. If you are interested in credit insurance please check below:\nCredit Disability\nSingle Credit Life o Yes o No\nJoint Credit Life o Yes o No\no Yes o No\nNAME OF (2) REFERENCES NOT LIVING WITH YOU\n1)\n\nMO. PMT./RENT\n$\n\nPHONE NO.\n\nRELATIONSHIP\n\nTo whom?\n\nAre there any unsatisfied\nIf \xe2\x80\x9cyes\xe2\x80\x9d\njudgements against you?\nAmount $\nto whom owed?\no Yes o No\nHave you ever had a car or other personal property repossessed by a creditor, filed for bankruptcy, or been a party to a wage assignment or collection suit?\nq Yes\nq No\nIf your answer to any part of the question is yes, please give details.\nCOMPLETE THE FOLLOWING ONLY IF YOU RESIDE IN A COMMUNITY PROPERTY STATE (ARIZONA, CALIFORNIA, IDAHO, LOUISIANA, NEVADA, NEW MEXICO,\nTEXAS, WASHINGTON OR WISCONSIN); OR IF ANOTHER PERSON WILL BE JOINTLY LIABLE ON THE ACCOUNT. o Married\no Separated\no Unmarried\n\nCredit Card Pledge Agreement: Secured Cards \xe2\x80\x93 If you have selected the VISA SECURED CARD, I herby authorize Forest Area Federal Credit Union to retain any amount in my share/certificate account number\n_________________-_________ equal to my approved line of credit (not including the $10 minimum share balance). This amount will be held as security against the credit limit of my Visa SECURED CARD Account.\nI understand this sum will not be released during the term of my contract. If I default in making payments, the shares held as security can be applied towards what I owe.\n\nMEMBER SIGNATURE\nX\n\nAll owners of secured funds are required to be co-borrowers\n\nDATE\n\nMEMBER SIGNATURE\nX\n\nDATE\n\nThis statement is submitted to obtain credit and I (We) certify that all information herein is true and complete. I (We) also authorize the Credit Union to verify or obtain further information the Credit Union may deem\nnecessary concerning my (our) credit standing. If this application is approved and a Visa card(s) issued, the undersigned applicant(s) by signing, using or permitting another to use the Visa card(s) agree(s) that the\napplicant(s) will be bound by the terms and conditions accompanying the Visa card(s) and all amendments. My (our) signature(s) represent(s) acknowledgement of receipt and agreement to the terms and conditions\nof the Visa Credit Card Agreement and Disclosures.\n\nAPPLICANT\xe2\x80\x99S SIGNATURE\nX\n\nDATE\n\nAPPLICANT\xe2\x80\x99S SIGNATURE\nX\n\nDATE\n\nCO-APPLICANT\xe2\x80\x99S SIGNATURE\nX\n\nDATE\n\nCO-APPLICANT\xe2\x80\x99S SIGNATURE\nX\n\nDATE\n\nBy signing this contract, you agree that this Credit Union has a security interest, pledge, in all present or future shares and deposit with us. To the extent in which you have a right to withdraw those sums for your\npersonal use, the Credit Union may transfer from any deposit account to your Visa account if you are delinquent or otherwise in default. In addition, collateral securing your other loans with the Credit Union\naccount(s) will also secure credit extended under this agreement. If you withdraw all your shares, you are no longer a member of the Credit Union, and you may not receive any more advances under this agreement.\n\nFOR CREDIT UNION USE ONLY\n\nCREDIT LIMIT $______________\n\no PLATINUM 11.90%\no PLATINUM\n\nAPPROVED o\nNOT APPROVED o\nLOAN COMMITTEE OR LOAN OFFICER _____________________________________\n\nSECURED 11.90% __________________________________________________________________\no PLATINUM 8.90% ____________________________________ DATE _________________________\n______________________________________________________________________\n\nVISA ACCOUNT NO. ________________________________________\n\xc2\xa9 2014 CU Solutions Group\n\nFAFCU 010314\n\n\x0cFOREST AREA FEDERAL CREDIT UNION\nCREDIT CARD AGREEMENT AND DISCLOSURES\n\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who agree to be bound by this Agreement; \xe2\x80\x9cCard\xe2\x80\x9d means a Visa\xc2\xae credit card and any duplicates, renewals, or substitutions the Credit\nUnion issues to you; \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa credit card line of credit account with the Credit Union, and \xe2\x80\x9cCredit Union\xe2\x80\x9d means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this Agreement.\n1. Using Your Account. If you are approved for an Account, the Credit Union will establish a line of credit\nIf permitted by law and specified in the notice to you, the change will apply to your existing Account Balance\nas well as to future transactions. When required by law to advise you that you have a legal right to reject\nfor you and notify you of your credit limit. You agree that your credit limit is the maximum amount\nany changes we make, we will provide you with an explanation about how to do that.\n(purchases, cash advances, finance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) that you will have outstanding on your\nAccount at any time. Each payment you make to your Account will restore your credit limit by the amount\nEither you or the Credit Union may terminate this agreement at any time, but termination by you or the Credit\nof the payment, unless you are over your credit limit. If you are over your credit limit you must pay the\nUnion will not affect your obligation to pay the Account balance plus any finance and other charges you owe\namount you are over before payments will begin to restore your credit limit. You may request an increase\nunder this Agreement. You are also responsible for any transaction that you initiated and we authorized prior\nin your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to\nto termination, even though the transaction is not posted until after termination.\nreduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any\nThe Card or Cards you receive remain the property of the Credit Union and you must recover and surrender\nreason not prohibited by law.\nto the Credit Union all Cards upon request or upon termination of this Agreement whether by you or the\n2. Using the Visa Card. You may use your Card to make purchases from merchants and others who accept\nCredit Union. The Credit Union has the right to require you to pay your full Account balance at any time\nVisa cards. In addition, you may obtain cash advances from the Credit Union and from other financial\nafter your Account is terminated, whether it is terminated by you or the Credit Union. If this is a joint Account,\ninstitutions that accept Visa cards, and from some automated teller machines (ATMs), such as the Visa ATM\nSection 18 of this Agreement also applies to termination of the Account.\nNetwork, that accept Visa cards. (Not all ATMs accept Visa cards.) To obtain cash advances from an ATM,\n13. Credit Information. You authorize the Credit Union to investigate your credit standing when opening\nyou must use the Personal Identification Number (PIN) that is issued to you for use with your card. You\nor reviewing your Account. You authorize the Credit Union to disclose information regarding your Account\nagree not to make or permit to be made any illegal transactions on your Account through the use of a Card,\nto credit bureaus and creditors who inquire about your credit standing.\na check or in any other manner. We may deny authorization for any Internet gambling transactions.If you\n14. Returns and Adjustments. Merchants and others who honor your Card may give credit for returns\nwish to pay for goods or services over the Internet, you may be required to provide card number security\nor adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your\ninformation before you will be permitted to complete the transaction.\nAccount. If your credits and payments exceed what you owe the Credit Union, the amount will be applied\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your Account that are\nagainst future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded\nmade by you or anyone whom you authorize to use your Account. You agree not to authorize anyone to\nupon your written request or automatically after six months.\nuse your Account without the prior written consent of the Credit Union. You also agree to pay all finance\n15. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional\ncharges and other charges added to your Account under the terms of this Agreement or another agreement\nservices to your Account, such as travel accident insurance, at no additional cost to you. You understand\nyou made with the Credit Union. If this is a joint Account, Section 18 also applies to your Account.\nthat the Credit Union is not obligated to offer such services and may withdraw or change them at any time.\n4. Default. You will be in default if you fail to make any minimum payment or other required payment by\n16. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign\nthe date that it is due. You will be in default if you break any promise you make under this Agreement. You\ncurrencies will be billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency\nwill be in default if you die, file for bankruptcy or become insolvent, that is unable to pay your obligations\nwill be a rate selected by Visa from the range of rates available in wholesale currency markets for the\nwhen they become due. You will be in default if you make any false or misleading statements in any credit\napplicable central processing date, which rate may vary from the rate Visa itself receives, or the\napplication or credit update. You will also be in default if the Credit Union in good faith reasonably believes\ngovernment mandated rate in effect for the applicable central processing date. The currency exchange\nthat the prospect of payment or performance of your obligations under this agreement is impaired.\nrate used on the processing date may differ from the rate that would have been used on the purchase\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full Account\ndate or cardholder statement posting date.\nbalance without giving you notice. If immediate payment is demanded, you agree to continue paying\n17. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial\nfinance charge, at the periodic rate charged before default, until what you owe has been paid, and any\ninstitution to honor your Card. The Credit Union is subject to claims and defenses (other than tort claims)\nshares that were given as security for your Account may be applied towards what you owe. You promise\narising out of goods or services you purchase with the Card if you have made a good faith attempt but have\nto pay all costs of collecting the amount you owe under this agreement to the extent permitted by law.\nbeen unable to obtain satisfaction from the merchant or service provider (unless a local law states that you\n5. Liability for Unauthorized Use-Lost/Stolen Card Notification. You may be liable for the unauthorized\ndo not have to make such an attempt), and (a) your purchase was made in response to an advertisement\nuse of your Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union,\nthe Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was\norally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed\nmade in your state or within 100 miles of your home.\n$50. You can notify the Credit Union by calling (231) 879-4151, or writing to P.O. Box 118, Fife Lake, MI\n18. Joint Accounts. If this is a joint Account, each person on the Account must sign the Application for\n49633.\nthe Account. Each of you will be individually and jointly responsible for paying all amounts owed under this\n6. Security Interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge\nAgreement. This means that the Credit Union can require any one of you individually to repay the entire\nof shares, your Account will be secured by your pledged shares. There is no other security for this Account,\namount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash\nnotwithstanding anything to the contrary in any other agreement. You may not withdraw amounts that have\nadvances individually. Any one of you may terminate the Account and the termination will be effective as\nbeen specifically pledged to secure your account until the Credit Union agrees to release all or part of the\nto all of you.\npledged amount.\n19. Effect of Agreement. This Agreement is the contract which applies to all transactions on your Account\n7. Finance Charges. A Finance Charge will be imposed on Credit Purchases only if you elect not to pay\neven though the sales, cash advances, credit or other slips you sign or receive may contain different terms.\nthe entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from\n20. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\nthe closing date of that statement. If you elect not to pay the entire New Balance shown on your previous\nmonthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average\n21. Statement and Notices. Statements and notices will be mailed to you at the most recent address\ndaily balance of such Credit Purchases from the previous statement closing date and on new Credit\nyou have given the Credit Union. Notice sent to any one of you will be considered notice to all.\nPurchases from the date of posting to your account during the current billing cycle, and will continue to\n22. Copy Received. You acknowledge that you have received a copy of this Agreement.\naccrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid\n23. Signatures. By signing in the Signature area of the application form that was attached to this agreement\nin full or until the date of payment if more than 25 days from the closing date.\nwhen you received it, you agree to the terms of this Agreement. You should detach this Agreement from\nThe Finance Charge for an UNSECURED VISA PLATINUM billing cycle is computed by applying the\nthe application and retain it for your records.\nmonthly Periodic Rate of 0.7416 - 0.9916% which is an ANNUAL PERCENTAGE RATE of 8.90% 24. Final Expression. This agreement is the Final expression of the terms and conditions of this Visa line\n11.90% to the average daily balance of Credit Purchases, which is determined by dividing the sum of the\nof credit between you and the Credit Union. This written Agreement may not be contradicted by evidence\ndaily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit\nof any alleged oral agreement.\nPurchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning\n\nof the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as\nreceived and credits as posted to your account, but excluding any unpaid Finance Charges.\nA Finance Charge will be imposed on Cash Advances from the date of the Cash Advance or from the first\nday of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will\notherwise be calculated in the same manner as explained above for Credit Purchases.\n8. Payments. Each month you must pay at least the minimum payment shown on your statement by\nthe date specified on the statement or no later than 28 days from the statement closing date, whichever\nis later. If your statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your payment is due no later than 28 days\nfrom the statement closing date. You may pay more frequently, pay more than the minimum payment\nor pay the Total New Balance in full. If you make extra payments or larger payments, you are still\nrequired to make at least the minimum payment each month your Account has a balance (other than a\ncredit balance). The minimum payment for a PLATINUM 11.90% is 2.0% of your Total New Balance,\nbut not less than $20.00, plus the amount of any prior minimum payments that you have not made, and\nany amount you are over your credit limit. The minimum payment for a PLATINUM 8.90% is 2.0% of\nyour Total New Balance, but not less than $50.00, plus the amount of any prior minimum payments\nthat you have not made, and any amount you are over your credit limit. The Credit Union also has the\nright to demand immediate payment of any amount by which you are over your credit limit.\n9. Payment Allocation. Subject to applicable law, any payments over the required minimum payment\namounts and any credits to balances on your Account will be credited to balances with the highest\napplicable APR first. We will then credit payments to lower rate balances in descending order of APRs.\nThe manner in which we apply any payment to your Account balances may affect the amount of any\npayment applied to introductory or promotional financing balances.\n10. Other Charges. The following other charges (fees) will be added to your Account, as applicable:\nLate Payment Fee: A late charge of $20.00 will be added to your account if you are late making a\npayment. Non-Sufficient Funds Check Fee: If a check or share draft used to make a payment on your\naccount is returned unpaid, you will be charged a fee of $10.00 for each item returned. Collection Costs:\nYou promise to pay all costs of collecting the amount you owe under this agreement to the extent\npermitted by law. International Transaction Fee: A fee up to 1% will be assessed on all transactions\nwhere the merchant country differs from the country of the card issuer.\n11. Penalty APR. Before we apply the Penalty APR on any type of transaction or balance, we will\nprovide you with any notice required by law in advance that informs you which future transactions and/or\noutstanding balances are subject to the Penalty APR and when the APRs will increase. If we do not\nincrease your APRs to the Penalty APR when any of the events triggering the Penalty APR occur, we\nreserve our right to increase your APRs to the Penalty Rate if any of these events occur in the future.\nIf your APRs are increased on any type of transaction due to the triggering of the Penalty APR, the\nPenalty APR will be applicable indefinitely to future transactions of that type that occur more than 14\ndays after we provide you notice about the APR increase.\nIf we do not receive any required minimum payment within 60 days of the date and time due, the Penalty\nAPR will be applicable to all outstanding balances and future transactions on your Account. However,\nif we receive 6 consecutive required minimum payments by the date and time due, beginning with the\nfirst payment due after the effective date of the increase, we will stop applying the Penalty APR to transactions that occurred prior to or within 14 days after we provided you with notice regarding the APR increase. For balances that we stop applying the Penalty APR to, we will apply APRs that applied prior to\nthe imposition of the Penalty APR.\n12. Changing or Terminating Your Account. The Credit Union may change the terms of this Agreement\nfrom time to time. Notice of any change will be given in accordance with applicable law. Use of your Card\nafter receiving notice of a change will indicate your agreement to the change.\n\n\xc2\xa9 2014 CU Solutions Group\n\nYOUR BILLING RIGHTS - kEEP THIS NOTICE FOR FUTURE USE\n\nThis notice contains important information about your rights and our responsibilities under the Fair Credit\nBilling Act.\nNotify Us in Case of Errors or Questions About Your Bill\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on\na separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first bill on which the error or problem appeared. You can\ntelephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2Your name and account number.\n\xe2\x80\xa2The dollar amount of the suspected error.\n\xe2\x80\xa2Describe the error and explain, if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or checking account,\nyou can stop the payment on any amount you think is wrong. To stop the payment your letter must reach\nus three business days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90\ndays, we must either correct the error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent.\nWe can continue to bill you for the amount you question, including finance charges, and we can apply any\nunpaid amount against your credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will have\nto make up any missed payments on the questioned amount. In either case, we will send you a statement\nof the amount you owe and the date it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our\nexplanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay,\nwe must tell anyone we report you to that you have a question about your bill. And, we must tell you the\nname of anyone we reported you to. We must tell anyone we report you to that the matter has been settled\nbetween us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill\nwas correct.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased with a credit card, and\nyou have tried in good faith to correct the problem with the merchant, you may have the right not to pay\nthe remaining amount due on the 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 within 100 miles\nof 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 advertisement\nfor the property or services.\n\nkEEP THIS PORTION FOR YOUR RECORDS\n\nCU Solutions Group \xe2\x80\xa2 800.262.6285\n\n\x0c'


b'Accentra Credit Union\n\nCREDIT CARD AGREEMENT\n\n400 Fourth Ave NE\nAustin, Minnesota 55912\nPhone: (507) 433-1829 or (800) 533-0448\nFax: (507) 434-3300\nwww.accentracu.org\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ACCENTRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD,\nYOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE 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\nsecure your obligations under this Agreement, unless that other collateral\nis your principal 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 credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement 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\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis 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\nunder the account.\n9011 LASER ML FI16281 Rev 9-2015\n\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\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with 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. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (888) 776-8615. You agree to follow up your call\nwith notice in writing to us at: Accentra Credit Union, 400 Fourth Avenue N.E.,\nPO Box 657, Austin, MN 55912. You also agree to assist us in determining the\nfacts, circumstances and other pertinent information relating to any loss, theft\nor possible unauthorized use of your Card and comply with such procedures\nas we may require in connection with our investigation. You will be liable for\nany unauthorized use only if we can prove that you were grossly negligent in\nyour use or handling of your Card, or if we can prove that you used your Card\nfraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ACCENTRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD,\nYOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\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 a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them 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\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account 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\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under 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\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your 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\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor 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\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to 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\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\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\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\npage 2 of 3\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(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\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\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\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.\n\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\nowe.\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\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the 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\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen 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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\nSave\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA SECURED PLATINUM\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to First Community Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $18.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$18.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 840129,\nHouston, TX, 77284-0129 or call Us at 281-856-5300 or 800-456-3228, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nPage 3 of 6\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0cnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nTexas.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nPage 4 of 6\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0c30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n04207126-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVisa Rewards Credit Card\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n0.00%\n\nIntroductory APR for a period of twelve billing cycles.\n\nAfter that, your APR will be\ncreditworthiness.\n\n9.99% to 17.99% , based on your\n\nVisa Secured Platinum\n\n0.00%\n\nIntroductory APR for a period of twelve billing cycles.\n\nAfter that, your APR will be\ncreditworthiness.\nAPR for Balance Transfers\n\n9.99% to 17.99%, based on your\n\nVisa Platinum\n0.00% Introductory APR for a period of twelve billing cycles.\nAfter that, your APR will be 9.99% to 17.99% , based on your\ncreditworthiness.\nVisa Secured Platinum\n0.00% Introductory APR for a period of twelve billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.99% to 17.99% , based on your\ncreditworthiness.\nVisa Platinum\nYour APR will be 9.99%\n\nto 17.99% , based on your creditworthiness.\n\nVisa Secured Platinum\nYour APR will be 9.99%\n\nto 17.99% , based on your creditworthiness.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04207126-MXC10-P-1-072117 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Platinum\n\n17.99%\nVisa Secured Platinum\n\n17.99%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n$2.00 or 2.00% of the amount of each balance transfer, whichever is greater\n$2.00 or 2.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $35.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days late\nin making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: May 1, 2018\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum and Visa Secured Platinum are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04207126-MXC10-P-1-072117 (MXC101-E)\n\n\x0cBalance Transfer Fee (Finance Charge):\n$2.00 or 2.00% of the amount of each balance transfer, whichever is greater.\nCash Advance Fee (Finance Charge):\n$2.00 or 2.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required\nminimum payment, whichever is less.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04207126-MXC10-P-1-072117 (MXC101-E)\n\n\x0c'