b'Account Opening Disclosures\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nSt. Mary\xe2\x80\x99s Bank Visa Platinum Business\n\n0.00% Introductory APR for seven cycles\nAfter that, your APR will be 14.20% to 19.20% based on\ncreditworthiness. This APR will vary with the market based on the Prime Rate\n\nAPR for Balance Transfers\n\n14.20% to 19.20% based on creditworthiness.\n\nThis APR will vary with\n\nthe market based on the Prime Rate\nAPR for Cash or ATM\nAdvances\nPenalty APR and When it\nApplies\nPaying Interest\n\n14.20% to 19.20% based on creditworthiness.\n\nThis APR will vary with\n\nthe market based on the Prime Rate\nNone\n\nMinimum Interest Charge\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on Cash or ATM advances and Balance Transfers on\nthe transaction date.\nIf you are charged interest, the charge will be no less than $1.00\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, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nPurchases\n\nNone\n\n\xe2\x80\xa2\n\nBalance Transfers Fee\n\nEither $10.00 or 4% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2\n\nCash or ATM Advance\nFee\n\nEither $10.00 or 4% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction Fee\nPenalty Fees\n\n1% of the transaction amount in U.S. dollars.\n\n\xe2\x80\xa2\n\nLate Payment Fee\n\nUp to $25\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit Fee\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment Fee\n\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."\nSee your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\n\nThe information stated above is updated regularly, but may have changed since the last update. To obtain information\nabout changes in the above disclosures, contact us at St. Mary\xe2\x80\x99s Bank, PO Box 84032, Columbus, GA 31908-4032 or\n1-866-686-5210. Credit Cards are issued by St. Mary\xe2\x80\x99s Bank. Member NCUA\n1/29/16\n1\n\n\x0cSt. Mary\xe2\x80\x99s Bank\n\xc2\xae\n\nBUSINESS VISA CREDIT CARD AGREEMENT\n\xc2\xae\n\nThis Agreement applies to the VISA Credit Card Account established\nfor the Business by St. Mary\xe2\x80\x99s Bank. Any Card issued under this\nAgreement remains our property and must be returned to us or to\nanyone we designate, upon request. Retaining, signing or using, or\npermitting others to use, the Card or Account is the same as signing this\nAgreement, and means the Business agrees to be bound by the terms of\nthis Agreement.\nDefinitions. In addition to other terms that may be defined in this\nAgreement, the following terms when used in this Agreement have the\nfollowing definitions:\n\xe2\x80\xa2 \xe2\x80\x9cAccount\xe2\x80\x9d means the open-end revolving credit account established\npursuant to the Application and this Agreement to which charges are\nposted based on use of a Card, information from a Card or any other\nmeans by which the Account may be accessed in the future.\n\xe2\x80\xa2 \xe2\x80\x9cAgreement\xe2\x80\x9d means this Credit Card Agreement, which includes the\nAccount Opening Disclosures and other information provided on the\nCard Mailer, as well as the Application.\n\xe2\x80\xa2 \xe2\x80\x9cAPR\xe2\x80\x9d means the Annual Percentage Rate corresponding to the\nperiodic rate described in the \xe2\x80\x9cInterest Charges\xe2\x80\x9d section below.\n\xe2\x80\xa2 \xe2\x80\x9cApplication\xe2\x80\x9d means the application for credit the Business submitted\nto request us to extend credit to the Business under the Account.\n\xe2\x80\xa2 \xe2\x80\x9cAuthorized Cardholder\xe2\x80\x9d means each employee or officer of the\nBusiness to whom a Card is issued and any other person that the\nBusiness or a cardholding employee or officer allows to use a Card\nor the Account.\n\xe2\x80\xa2 \xe2\x80\x9cBusiness\xe2\x80\x9d shall mean and include each individual and/or entity that\napplied for or otherwise agreed to be responsible for the Account.\n\xc2\xae\n\xe2\x80\xa2 \xe2\x80\x9cCard\xe2\x80\x9d means each VISA credit card issued to the Business or, at\nthe Business\xe2\x80\x99 request, to an Authorized Cardholder by us for use\nwith the Account.\n\xe2\x80\xa2 \xe2\x80\x9cCard Mailer\xe2\x80\x9d means the folder sent with each Card.\n\xe2\x80\xa2 \xe2\x80\x9cCash Advance Limit\xe2\x80\x9d means that portion of the Credit Limit that is\navailable to be used for Cash Advances.\n\xe2\x80\xa2 \xe2\x80\x9cCredit Limit\xe2\x80\x9d means the total dollar amount of credit available to the\nBusiness under the terms of this Agreement.\n\xe2\x80\xa2 \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to St. Mary\xe2\x80\x99s Bank 48 Perimeter Road\nManchester, NH 03103.\nBusiness Purpose. The Account is to be used solely for business\npurposes. The Business agrees to instruct each Authorized Cardholder\nnot to use the Account for any personal, family or household purpose.\nThe Business also agrees that its obligations under this Agreement shall\nnot be affected or limited if the Account is used for any non-business\npurpose.\nAuthorized Cardholders. We may issue Cards to Authorized\nCardholders at the request of an authorized representative of the\nBusiness. The Cards will be sent to the address of the Business in our\nrecords unless otherwise requested by an authorized representative of\nthe Business. The Business is solely responsible for safeguarding the\nCards following receipt and for distributing the Cards to the Authorized\n\n2\n\n\x0cCardholders. The Business acknowledges that the Cards are to be used\nby Authorized Cardholders only. Unless the Business notifies us\notherwise in writing, the Business authorizes and directs us to issue\nrenewal or replacement Cards to Authorized Cardholders on or before\nthe expiration of each Card. The Business acknowledges and agrees\nthat Cards are not assignable or transferable, by operation of law or\notherwise.\nThe Account will include a sub-account for each Authorized\nCardholder (each a "Cardholder Account"). The name of the Authorized\nCardholder and Cardholder Account number (the "Cardholder Account\nNumber") will be imprinted on the Card issued with respect to each\nCardholder Account, along with the Business\xe2\x80\x99 name. Unless the context\nrequires otherwise, any reference in this Agreement to the Account\nincludes a reference to any applicable Cardholder Account.\nUsing The Account. The Account and, except as otherwise limited by\nthe Business, any Cardholder Account may be used as follows: (1)\n\xe2\x80\x9cPurchases\xe2\x80\x9d: to purchase or lease goods and services from any\nmerchant who honors the Card; (2) "Cash Advances": to obtain cash or\ncash equivalents (a) from us or from any financial institution that honors\nthe Card, (b) from an automatic teller machine that accepts the Card, (c)\nby purchasing items that may be traded right away for cash, including,\nbut not limited to, money orders, travelers checks, lottery tickets, casino\nchips, vouchers redeemable for cash, or racetrack wagers, and (d) by\nmaking tax or other payments; and (3) "Balance Transfers": to request us\nto transfer to the Account a balance that the Business owes to another\ncreditor and, if we approve the Business\xe2\x80\x99 request, we will pay the other\ncreditor directly. We are not responsible for any person or entity refusing\nto accept the Card for Purchases or Cash Advances. We may limit the\nnumber or dollar amount of Purchases, Cash Advances and/or Balance\nTransfers that may be made or obtained with a Card or the Account.\nNeither we nor our agents will be responsible or have any liability for\nrefusing to authorize any transaction, even if the Business has credit\navailable.\nPromise to Pay. The Business promises to pay us for all Purchases,\nCash Advances, Balance Transfers and any other charges on the\nAccount and each Cardholder Account, whether made by the Business,\nan Authorized Cardholder or, to the full extent permitted by applicable\nlaw, by anyone else who uses the Account. The Business also agrees to\npay any and all Interest Charges, fees and all other amounts owed under\nthis Agreement. If more than one individual or entity applied or agreed to\nbe responsible for the Account, each of you is individually responsible for\nall amounts owed under this Agreement. Any authorized representative\nof the Business may give us any notice under this Agreement. If\nauthorized representatives give us different notices or make different\nrequests, we may choose which one to honor. We will not be liable to the\nBusiness or anyone else because we choose to honor a request or\nnotice from any authorized representative of the Business.\nIllegal Transactions. The Business agrees that neither the Account nor\nany Cardholder Account may be used for any transaction that is illegal in\nthe jurisdiction where the transaction is consummated or in any other\njurisdiction affected by the transaction. The Business agrees that it is the\nresponsibility of the Business and each Authorized Cardholder to\ndetermine the legality of each transaction in all applicable jurisdictions\n\n3\n\n\x0c\xc2\xae\n\nbefore entering into such transaction. Display of the VISA by any\nperson accepting the Card does not indicate that the transaction is legal\nin all applicable jurisdictions. The Business also agrees that no\nAuthorized Cardholder will use a Card in connection with any Internet or\non-line gambling transaction, whether or not gambling is legal in any\napplicable jurisdiction. We reserve the right to decline any transaction\nthat we believe is an illegal transaction, an Internet or on-line gambling\ntransaction or a high-risk transaction, but the Business acknowledges\nand agrees that we have no obligation to monitor, to review or to\nevaluate the legality of the Business\xe2\x80\x99 Card transactions. To the fullest\nextent permitted by law, the Business agrees to pay for any Card\ntransaction by an Authorized Cardholder, even if that transaction is\ndetermined to be illegal.\nRefunds and Adjustments. The Business agrees that, for any refund,\nadjustment, or credit allowed by any seller or other person or entity, the\nBusiness will not accept cash, but only a credit to the Account, which will\nappear on the monthly billing statement.\nMonthly Billing Statements. We will send the Business a billing\nstatement at the end of each monthly billing cycle. Among other\ninformation, each statement will show all Purchases, Cash Advances,\nBalance Transfers, Interest Charges, fees and any other debits or\ncredits to the Account during that billing cycle, along with the unpaid\nbalance at the end of that billing cycle (the \xe2\x80\x9cNew Balance\xe2\x80\x9d), the minimum\namount of the next payment (the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d), and when\nthe next payment is due (the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d). The Business must\nreview each billing statement as soon as it receives it, and notify us of\nany questions or errors within sixty (60) days of receiving the statement.\nIf the Business does not notify us at the address provided on the\nstatement within this time period, the Business waives any rights it may\nhave to any questioned amount to the fullest extent permitted by law.\nThe Business\xe2\x80\x99 notice must include the following information: the names\nof the Business and any Authorized Cardholder involved in the\nquestioned transaction; the account number for the Account and any\nCard involved in that transaction; the dollar amount of any questioned\ntransaction or suspected error; the reference number on the statement\nfor any questioned transaction; and a brief description of any questioned\ntransaction or suspected error.\nMinimum Payment Due. If the New Balance shown on the statement\nfor any billing cycle is less than $30, the Minimum Payment Due for that\ncycle will equal the New Balance. If the New Balance for any billing cycle\nequals or exceeds $30, the Minimum Payment Due for that cycle will be:\n(1) the greatest of: (A) three percent (3%) of the New Balance, (B) $30,\nor (C) the sum of any unpaid Interest Charges, any unpaid fees, and 1%\nof the New Balance; plus (2) any unpaid Minimum Payments Due from\nearlier billing cycles and any amount of the New Balance that exceeds\nthe Credit Limit or Cash Advance Limit for the Account. Payments must\nbe made in U.S. dollars drawn on a U.S. Bank. The Business may pay\nmore than the Minimum Payment Due at any time. The Business will not\nowe us any additional charge for early payment. If the Business pays\nmore than the Minimum Payment Due in one billing cycle, the Business\nstill has to pay the full Minimum Payment Due in the next cycles. The\nBusiness cannot increase its available credit by paying more than the\nunpaid balance on the Account.\n\n4\n\n\x0cPayments on the Account. Each payment required under this\nAgreement must be made on or before the Payment Due Date shown on\nthe monthly billing statement. The Business must pay us in U.S. dollars,\nby mailing a check or money order, along with the payment stub from\nbilling statement, to the address shown on that statement. Do not send\ncash. If the Business does not follow these instructions, we might not\ncredit the payment until the next business day after we get it. All\npayments on the Account received by 5:00 p.m. during our normal\nbusiness day at the address shown on the billing statement are\nconsidered to have been made on the date received at that address. To\nthe fullest allowed by law, we may accept payments marked "payment in\nfull" (or words of similar intent) without losing any of our rights to collect\nthe full balance due under the Account and this Agreement. We will\napply the Business\xe2\x80\x99 payments to the unpaid balance of the Account in\nthe order and manner we decide, unless restricted by an applicable law.\nDisputed Payments. If the Business disputes any amount we say it\nowes under this Agreement, the Business must write to us at St. Mary\xe2\x80\x99s\nBank Credit Card Services, P.O Box 84032, Columbus, Georgia 3190840329. If the Business pays us with a check marked with \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or similar words, the Business must send it to this address. Subject\nto any restrictions of applicable law: (1) the words \xe2\x80\x9cpayment in full\xe2\x80\x9d or\nsimilar words will have no effect; and (2) we can take disputed payments\nwithout giving up any of our rights.\nPayment Holidays. At our option we may permit the Business from time\nto time to skip making the Minimum Payment Due for a specified billing\ncycle (referred to as a "Payment Holiday"). Even if the Business accepts\nsuch a Payment Holiday, we will continue to assess Interest Charges on\nthe unpaid balances of the Account. Any payment holiday we permit will\nnot affect the terms of this Agreement.\nCredit Limit; Cash Advance Limit. The Business agrees not to use or\npermit others to use the Card or Account if such use would cause either\n(i) the balance of the Account to exceed the Credit Limit we set from\ntime to time or (ii) the balance of the outstanding Cash Advances to\nexceed the Cash Advance Limit. The initial Credit Limit and Cash\nAdvance Limit for the Account are shown on the Card Mailer and will\nalso be disclosed on each monthly billing statement for the Account. We\nmay, at our option, extend credit under the Account which exceeds the\nCredit Limit or the Cash Advance Limit. If we do, the Business agrees to\nimmediately pay the excess which we advanced to the Business over\neither of the applicable limits. We are not obligated to allow any\nPurchase, Cash Advance or Balance Transfer which would cause the\nAccount balance or Cash Advance Balance to exceed the Credit Limit or\nCash Advance Limit, as applicable, and if we do, we are not obligated to\ndo so at a later time. We may increase or decrease the Credit Limit\nand/or Cash Advance Limit at any time, subject to any restrictions of\napplicable law. We may terminate the Business\xe2\x80\x99 ability to obtain\nadditional credit under this Agreement if the Business exceeds the\nCredit Limit or the Cash Advance Limit.\nInterest Charges. Each billing cycle, we will charge interest to the\nBusiness on the average daily balance for each type of transaction on\nthe Account (\xe2\x80\x9cInterest Charges\xe2\x80\x9d). By type of transaction, we mean\n\n5\n\n\x0cPurchases, Cash Advances, Balance Transfers and any transactions\nsubject to a special offer APR. To compute the Interest Charges owed on\nthe Account for each billing cycle, we first calculate the average daily\nbalance for each type of transaction. Next, we multiply the average daily\nbalance for that type of transaction by the applicable interest rate. After\ncomputing the Interest Charge for each type of transaction, we add\ntogether these Interest Charges to determine the total Interest Charges\non the Account for the billing cycle. If the Business is charged interest for\nany billing cycle, the Interest Charge will be no less than $1.\nAverage Daily Balances Used to Compute Interest. To get the\naverage daily balance for each type of transaction on the Account: (1) we\ncalculate a daily balance for each day in the current billing cycle; (2) we\nadd all the daily balances together; and (3) we divide the sum of the daily\nbalances by the number of days in the current billing cycle. To calculate\nthe daily balance for each type of transaction for each day in the current\nbilling cycle, we take the beginning balance for that type of transaction\non that day, add any new transactions and applicable fees or other\ncharges, and subtract any applicable payments and credits. The\nfollowing fees and charges will be added to the daily balance for\nPurchases on the date each is posted to the Account: Annual Fee,\nForeign Transaction Fee, Late Fee, Returned Payment Fee, Expedited\nDelivery Fee, Pay-by-Phone Fee, and any amounts permitted under the\n\xe2\x80\x9cAttorneys Fees and Other Collection Costs\xe2\x80\x9d below. Any Cash Advance\nFee will be added to the daily balance for Cash Advances on the date it\nis posted to the Account. Any Balance Transfer Fee will be added to the\ndaily balance for Balance Transfers on the date it is posted to the\nAccount. If any daily balance is less than zero we treat it as zero.\nInterest Rates. We calculate how much interest the Business owes each\nbilling cycle by applying a monthly periodic rate (an \xe2\x80\x9cMPR\xe2\x80\x9d) to the\naverage daily balance for Purchases, Cash Advances, Balance\nTransfers and any transactions subject to a special offer APR. We get\neach MPR by dividing the APR for that transaction type by 12. The\ninterest rates that apply to the Account are shown on the Card Mailer\nand each billing statement. Except for any introductory or other special\noffer APR, each APR is a variable rate equal to the Prime Rate plus any\nmargin shown on the Card Mailer or in the special offer. The \xe2\x80\x9cPrime\nRate\xe2\x80\x9d is the U.S. Prime Rate published in The Wall Street Journal on the\nlast Business Day of the month. An increase or decrease in the Prime\nRate will cause a corresponding increase or decrease in the variable\nAPRs on the first day of the billing cycle that begins in the month\nimmediately following the change in the Prime Rate. If the APRs\nincrease, the amount of interest owed and the Minimum Payment Due\nmay increase.\nGrace Period/Paying Interest. The Payment Due Date is at least 25\ndays after the close of each billing cycle. We will not charge the Business\nany interest on Purchases if the Business pays its entire New Balance by\nthe Payment Due Date each month. No Interest Charge will be imposed\non new Purchases posted to the Account during a billing cycle if the\noutstanding New Balance for the preceding billing cycle had been paid in\nfull and credited by the "Payment Due Date" for that billing cycle.\nHowever, if (1) the outstanding New Balance for the preceding billing\ncycle has been paid in full and credited by the "Payment Due Date" for\nthat billing cycle, (2) a Purchase is posted to the Account during the\n\n6\n\n\x0ccurrent billing cycle, and (3) the New Balance of the current billing cycle\nis not paid in full and credited by the "Payment Due Date" for the current\nbilling cycle, an Interest Charge will accrue on the Purchase from the first\nday of the billing cycle which follows the current billing cycle. For any\nbilling cycle in which the Account has an outstanding New Balance which\nwas not paid and credited by the "Payment Due Date" for the preceding\nbilling cycle. We will begin charging interest on all Purchases, Cash\nAdvances and Balance Transfers on the Transaction Date.\nSpecial Offers. We may make a special offer to the Business. For\nexample, we may offer a reduced interest rate. Such offers may apply to\nall transactions or balances on the Account, or only to some transactions\nor balances. We will tell the Business what terms of the special offer\ndiffer from the terms of this Agreement. Except as we tell the Business in\na special offer, the rest of this Agreement will still apply to the Account.\nFees. The Business agrees to pay the following fees, as applicable:\nAnnual Fee. An annual fee, if applicable, in the amount shown on the\nCard Mailer. This fee will be charged to the Account when we issue the\nCard, and annually at the end of the month that includes the anniversary\ndate of the opening of the Account. Payment of the fee is a condition for\nmaintaining the Account. The fee will be charged regardless of whether\nthe Business uses the Account, and is not refundable even if the\nAccount is closed for any reason by either the Business or us.\nTransaction Fees:\n\xe2\x80\xa2 Cash or ATM Advance Fee. A fee of $10 or four percent (4%) of the\namount of each Cash Advance (whichever is greater). This fee is in\naddition to the Interest Charge which will accrue on the Cash\nAdvance.\n\xe2\x80\xa2 Balance Transfer Fee. A fee of $10 or four percent (4%) of the\namount of each Balance Transfer (whichever is greater). This fee is\nin addition to the Interest Charge which will accrue on the Balance\nTransfer. Fee waived for first 12 billing cycles of the introductory\nperiod.\n\xe2\x80\xa2 Foreign Transaction Fee. One percent (1%) of the U.S. dollar\namount of any transaction made (1) in a foreign currency, (2) outside\nof the United States, or (3) with a foreign merchant, even if that\ntransaction is made in U.S. dollars. We may charge this fee for each\ntransaction (including returns and refunds) at the time the\ntransaction is posted to the Account.\nPenalty Fees:\n\xe2\x80\xa2 Late Payment Fee. A fee if we do not receive at least the Minimum\nPayment Due by the Payment Due Date (or the next business day if\nthe Payment Due Date falls on a Saturday, Sunday or holiday). For\nany late payment, this fee will be $25 but never more than the full\namount of the Minimum Payment Due (as shown on the billing\nstatement) that was due immediately before the fee is assessed,\nrounded up to the nearest dollar.\n\xe2\x80\xa2 Returned Payment Fee. A fee if a check or similar instrument or any\ndebit for payment on the Account is returned unpaid for any reason.\nThe amount of this fee will be $35 or the full amount of the Minimum\nPayment Due that was due immediately before the payment was\nreturned, rounded up to the nearest dollar, whichever is less.\n\xe2\x80\xa2 Returned Convenience Check Fee. A fee of $25 will be charged to\nyour account if a Convenience Check written on your account is\ndeclined and returned to the payee.\n\n7\n\n\x0cOther Fees:\n\xe2\x80\xa2 Pay-by-Phone Fee. A fee of $10 if the Business requests us to\nelectronically debit the Business\xe2\x80\x99 deposit or other account for a\npayment on the Account, and we honor its request.\n\xe2\x80\xa2 Expedited Delivery Service Fee. Except as provided below, a $30\nfee if the Business requests and we agree to arrange for expedited\ndelivery of any Card to the Business (for example, by an overnight\ndelivery service).\n\xe2\x80\xa2 Convenience Check Stop Payment Fee. A Fee of $25 per\noccurrence if the Business requests us to place a Stop Payment on\nConvenience Checks drawn against your Account.\n\xe2\x80\xa2 Document Fee: A Fee of $10 per item if the Business requests us to\nmake a copy. Examples would be, Statements, Sales Drafts,\nBalance Transfers, Payment Checks, Convenience Checks.\nTransactions Made in Foreign Currencies. If a transaction is made in\na foreign currency, the company processing that transaction will convert\nthe transaction into a U.S. dollar amount, and we will charge the\nAccount for the converted amount. The currency exchange will be done\nby a method and at a rate determined by the company that processes\nthe transaction. The exchange rate in effect on the processing date may\nbe different from the exchange rate in effect on the transaction date or\nthe posting date. If the Business makes a return or gets a refund, the\nsame procedures apply. The amount of any return or refund credit may\nbe different from the amount of the original transaction because the\nexchange rate may change from day to day.\nCardholder Accounts. If the Business at any time wishes either to have\na new Card issued, or to cancel, increase, reduce, or otherwise change\nany limit or other requirement on any outstanding Card, an authorized\nrepresentative of the Business shall notify us in writing of the requested\naction and the requested date of such action, which request shall\nconstitute a request to amend the Application for the Account. No such\namendment shall be valid until we have approved such request in\nwriting. Upon the cancellation of any Card or the termination of any\nCardholder Account, the Business promptly will notify the Authorized\nCardholder and will use its best efforts to obtain and destroy the\ncanceled Card. Upon cancellation of a Card (other than a lost or stolen\nCard about which the Bank has received notice) or termination of any\nCardholder Account (including termination resulting from the Authorized\nCardholder\xe2\x80\x99s termination of employment for which the Business provided\nnotice to us), the Business shall remain liable for all outstanding\nbalances incurred by the use of the Card prior to our receipt of notice of\nsuch cancellation or termination, including all outstanding balances for\ntransactions that may be posted to the Cardholder Account by a\nmerchant after cancellation or termination, as well as all fees or other\ncharges of any type with respect to that Cardholder Account. Upon our\nreduction of or change in any limit or other requirement on any\noutstanding Card, the Business promptly shall notify the Authorized\nCardholder. Notwithstanding any such notice, the Business shall remain\nliable for all amounts incurred by the use of the Card.\nTermination. We may reduce the Credit Limit or terminate the Business\xe2\x80\x99\nability to receive additional credit under this Agreement at any time\nwithout notice, unless restricted by applicable law. The Business may\nterminate its ability to receive additional credit under this Agreement by\n\n8\n\n\x0cgiving us notice of termination and returning to us or destroying all\nCards. Termination by the Business will be effective after we have\nreceived its written notice and had a reasonable opportunity to act on it.\nIf the Business\xe2\x80\x99 ability to receive additional credit under this Agreement\nis terminated, either by the Business or by us, this Agreement is not\nterminated. The Business\xe2\x80\x99 obligations and our rights under this\nAgreement shall remain effective until all amounts due under this\nAgreement have been paid in full. If the Business is not in default at the\ntime of termination, the Business may pay off any balance under the\nterms of this Agreement that apply at that time.\nDefault. The Business will be in default under this Agreement if any of\nthe following events occur: (1) the Business fails to make any payment\nrequired under this Agreement when due; (2) the Business fails to\nperform or abide by any of its agreements or obligations under this\nAgreement or any other loan agreement the Business has with us or with\nany other creditor; (3) the Business becomes insolvent (meaning its\nliabilities exceed its assets or it is unable to pay its debts as they\nbecome due); (4) any action is taken by or against the Business under\nany bankruptcy or insolvency laws; (5) any attachment or garnishment\nproceedings are initiated against the Business; (6) any individual who\nagreed to be responsible for the Account dies or is declared\nincompetent; (7) we, in good faith, believe the prospect of the Business\xe2\x80\x99\npayment or performance under this Agreement is impaired; (8) the\nBusiness fails or refuses to provide current financial information to us\nwhen we request it; or (9) if the business is an entity, the Business is\nadministratively dissolved or is not in good standing in its state of\nformation/incorporation or any other state in which the Business is\nauthorized to do business. Upon the occurrence of any event of default,\nall amounts the Business owes under this Agreement will become\nimmediately due and payable in full. The Business also must also return\nto us all Cards issued in connection with the Account. Default shall not\nrelease the Business from any obligation the Business has incurred\nunder this Agreement. After default, the Business\xe2\x80\x99 obligations and our\nrights under this Agreement shall remain effective until all amounts due\nunder this Agreement have been paid in full.\nAttorneys Fees and Other Collection Costs. The Business agrees to\npay the costs we incur if it is in default and we hire an attorney who is\nnot our salaried employee to collect amounts owed under this\nAgreement. We will not charge the Business for our collection costs if an\napplicable law says we may not. Any amounts the Business owes for\nthese collection costs may be added to the outstanding balance of the\nAccount, and interest may be charged on these costs at the APR\napplicable to Purchases.\nChanging this Agreement. We may change this Agreement unless\nrestricted by applicable law. We will tell the Business when any change\nwill be effective and how it will apply to the Account. The Business may\nnot change this Agreement unless we agree in writing to the change.\nGoverning Law; Severability. This Agreement and the Account will be\ngoverned by (1) federal law, and (2) to the extent not preempted by\nfederal law, the laws of the state of New Hampshire, without regard to its\nconflicts of law provisions. We accepted this Agreement in New\nHampshire. If any provision of this Agreement conflicts with the law, the\n\n9\n\n\x0cBusiness agrees the provision will be viewed as if it was amended to\ncomply with the law. If that is not possible, then only the provision that\nconflicts with the law will be deleted. The remaining provisions of this\nAgreement will remain effective.\nCredit Reports. The Business agrees that we may obtain credit reports\nfrom one or more credit reporting agencies or others in connection with\nopening or maintaining the Account, determining the Credit Limit and\nCash Advance Limit, or making any extension of credit to the Business\nunder the Account. We may also ask the Business for additional\ninformation in connection with the Account and request credit reports to\nverify its current credit standing. The Business agrees that we may\nrelease information to others, such as credit reporting agencies,\nregarding the status and history of the Account. However, we are not\nobligated to release any such information unless required by law.\nNotices. Any notices given under this Agreement or relating to the\nAccount will be effective only if given in writing to us at St. Mary\xe2\x80\x99s Bank\nCredit Card Services, P.O. Box 84032, Columbus, Georgia 31908-4032,\nand to the Business at its last address shown on our records. The\nBusiness agrees to notify us immediately if its address changes from that\nshown on the application submitted in connection with opening the\nAccount.\nLiability for Unauthorized Use. The Business agrees to notify us\nimmediately if the Business knows or suspects that any Card is lost,\nstolen, or the Account is otherwise subject to unauthorized use. The use\nof a Card by an Authorized Cardholder at any time, even if the\nAuthorized Cardholder no longer is employed or associated with the\nBusiness, shall not constitute unauthorized use, subject to applicable law\nand section above entitled \xe2\x80\x9cCardholder Accounts.\xe2\x80\x9d The Business may be\nliable for unauthorized use of any Card and/or the Account, as well as\nany fraud involving the use of a Card and/or the Account.\nIf nine or fewer Cards are issued to the Business\xe2\x80\x99 employees, then:\n(a) the Business\xe2\x80\x99 liability for unauthorized use shall not exceed the lesser\nof $50 or the amount of money, property, labor or services obtained by\nthe unauthorized use before the Bank is notified of that use; and (b) the\nBusiness will not be liable for unauthorized use that occurs after it\nnotifies the Bank, either orally or in writing, of the loss, theft or\nunauthorized use, at the address provided on the billing statements.\nHowever, if ten (10) or more Cards are issued to the Business\xe2\x80\x99\nemployees, the Business shall be liable for all unauthorized use. The\nBusiness agrees that any liability the Authorized Cardholder separately\nmay have to the Business for the unauthorized use of the Card shall be\nthe lesser of $50 or the amount obtained by the unauthorized use.\n\n10\n\n\x0c'


b'Credit Card Agreement\nThis document together with the Account Opening Disclosure that was\neither delivered with this agreement or with your card is an agreement (the\n\xe2\x80\x9cAgreement\xe2\x80\x9d) between you, the cardmember, and CommunityAmerica Credit\nUnion. This Credit Card Agreement is for your credit card account with\nCommunityAmerica Credit Union (the \xe2\x80\x9cCredit Union\xe2\x80\x9d), and the Card(s) which\nhas/have been given to you in connection with your Account. Such Account\nand Card(s) provide you with credit card services. Your use of the Account or\nany payment on the Account indicates your acceptance on the terms of this\nAgreement. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any applicant for the Account, and any\nperson using the Account and/or related Card(s) with the expressed or implied\npermission of any of the applicants. Any person whose name appears on\nthe Account for the Card(s) issued by the Credit Union under this Agreement\nconsents, either by using or permitting another to use the Card(s), to all\nprovisions of this Agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means the Credit Union, our\nsuccessors and assigns.\n\nGrace Period means the period of time during which you can avoid paying\nInterest Charges on certain transactions or balances.\n\nDEFINITIONS:\n\nPromotional Rate is a rate other than the standard rate, tied to a special\noffering.\n\nAccount means your credit card account.\nAnnual Fee means a fee charged on a yearly basis for your continued use of\nthe Account.\nAPR means Annual Percentage Rate.\nATM means Automated Teller Machine.\nAverage Daily Balance is determined by adding the outstanding balance for\neach day in the billing cycle, and then dividing by the number of days in the\nbilling cycle.\nBalance Transfer means an advance made when transferring a balance from\nanother creditor to your Account. You may not transfer a balance from another\nloan account with us to this Account.\nBusiness Days are Monday through Friday, excluding Federal holidays.\nCard means the physical card(s), the Account number, or any device (such as a\nCheck) that can be used to access your Account.\nCash Advance means an advance made when you use your Card or Account\nto: obtain cash from an ATM; obtain cash from any other source; make a wire\ntransfer; buy foreign currency; buy traveler\xe2\x80\x99s checks; buy money orders; buy\nlottery tickets; buy gambling chips and wagers; or cash a Convenience Check.\nCheck or Convenience Check means any check we send to you to access\nyour Account. We will tell you whether we will treat the Check as a Purchase,\nBalance Transfer or Cash Advance. You may not use these Checks to pay any\namount you owe us. We have the right not to pay a Check for any reason.\nCharges are costs imposed as part of this Agreement and include both Interest\nCharges and Fees.\nDaily Periodic Rate means a rate calculated from the applicable APR. The\ndaily periodic rate is equal to the applicable APR divided by 365.\nFees means non-interest charges, including transaction fees.\nForeign Transaction means any transaction made in a foreign currency, and\nany transaction made in U.S. dollars if the transaction is made or processed\noutside of the United States. Foreign transactions include, for example, online\npurchases from foreign merchants. The card network that processes these\ntransactions will calculate a U.S. dollar amount for each such transaction\nusing its own currency conversion procedures. Each network uses either a\ngovernment mandated or wholesale rate in effect on the date that the network\nprocesses the transaction, which may differ from the rate that the network itself\nreceives and which may be the least favorable rate the network identifies from\na reasonable range of customary sources. The rate in effect on the processing\ndate may not be the same as any rate in effect on the date that you made the\ntransaction or on the date that the transaction posts to your Account.\n\nInterest Charges means the portion of Charges attributed to periodic interest\nrates.\nIntroductory Rate means any Promotional Rate offered when you open your\nAccount.\nPrime Rate means the U.S. Prime Rate published in the Wall Street Journal\nin its column called \xe2\x80\x9cMoney Rates\xe2\x80\x9d on the last Business Day of each month.\nIf more than one U.S. Prime Rate is published by the Wall Street Journal, we\nmay choose the highest of such rates to use in calculating your APR. If the Wall\nStreet Journal no longer publishes a prime rate, we will use a similar published\nrate that we choose.\nPromotional Balance means the balance subject to any Promotional Rate or\nIntroductory Rate.\n\nPurchase means the use of your Card to buy or lease merchandise or services,\nand does not include any type of Cash Advance. The purchase of cash or\ncash equivalents, like casino chips or lottery tickets, is a cash advance, not a\npurchase.\nStatement means your billing statement.\nTransaction Date means the date shown on your billing statement for a\ntransaction or fee.\nPROMISE TO PAY: You agree to pay all authorized charges on the Statement,\nincluding Interest Charges and Fees. To the extent permitted by applicable law,\nyou also promise to pay all costs and expenses, including reasonable attorney\xe2\x80\x99s\nfees that we incur in enforcing this Agreement.\nCHANGE IN TERMS: We may change the terms of this Agreement, including\nAPRs and Fees, from time to time. We may also add new terms or delete terms.\nIf required by law we will give you advance written notice of the change(s) and\na right to reject the change(s). If you reject a change, your Account will be\ncancelled and you will no longer be able to use the Account. Cancellation of\nyour Account will not affect your liability to us for credit we have extended to\nyou, including amounts not yet billed to your Account.\nOUR COMMUNICATIONS WITH YOU: You agree that our personnel may\nlisten to or record phone calls between you and our representatives without\nadditional notice to you including calls we make to collect debts. We may use\nany medium permitted by law, including mail, live telephone calls, automated\ntelephone equipment, pre-recorded telephone calls, e-mail, text messages and\ncalls to your cell phone (which may be at your expense) to contact you about\nyour Account or to offer you products or services that may be of value to you.\nUSING YOUR ACCOUNT: Your Account is a consumer Account, and is not for\nbusiness purposes. You agree not to use your Account for unlawful purposes\nor transactions. It is not our responsibility to make sure that you use your\nAccount only for permissible transactions, and you will remain responsible for\npaying a transaction even if is not permissible.\nAUTHORIZED USERS: If you let anyone use your Account, that person is\nan authorized user. You are responsible for any use of your Account by an\nauthorized user, even for transactions for which you may not have intended\nto be liable. You must tell us if you want to stop an authorized user from using\nyour Account. You are responsible for getting any Cards, Checks or other means\nof accessing your Account from the authorized user. We may share information\nabout the Account with authorized users.\nJOINT ACCOUNT: If your Account is a joint Account, each of you agrees to be\nliable individually and jointly for the entire amount owed on the Account, and\n\n\x0cany notice we mail to an address provided by either of you for the Account will\nserve as notice to both of you. This means that we can require any one of you\nindividually to repay the entire amount owed under this Agreement. Each of\nyou authorizes the other(s) to make purchases or cash advances individually.\nAny one of you may terminate the Account and the termination will be effective\nas to all of you.\n\nrepay while that balance is subject to a Grace Period. Subject to the Grace\nPeriod, we will charge interest from the date new transactions appear on\nyour Account until paid in full. You cannot avoid paying interest on Balance\nTransfers and Cash Advances. If you do not pay your New Balance in full\neach month then, depending on the balance to which we apply your payment,\nyou may not get a Grace Period on new Purchases.\n\nCREDIT LINES: We will post your current credit limit on your Statement, and\nmay cancel, change or restrict it or your credit availability at any time. We are\nnot obligated to allow your Account to go over its credit limit. You are responsible\nfor the total balance at all times, even if your Account balance exceeds your\ncredit limit. We may establish a lower credit line for Cash Advances.\n\nFEES:\n\nAUTHORIZATION OF TRANSACTIONS/CLOSING YOUR ACCOUNT: We are\nnot obligated to honor every transaction, and we may close or suspend your\nAccount at any time without notice. If we or you close your Account, you must\nstill pay all outstanding amounts on the Account. Interest will continue to\naccrue on your unpaid balance. We may decline transactions for any reason,\nincluding: operational matters, the account is in default, or suspected fraudulent\nor unlawful activity. We are not responsible for any losses associated with a\ndeclined transaction. If your Account is closed or your Card expires, you may\nno longer use your Card and you must destroy it or return it to us upon request.\n\nLate Payment Fee: If you do not pay at least the Minimum Payment Due\nby the Payment Due Date, you will be charged a Late Fee of $25. If you are\nlate more than once in a six month period, the Late Fee will go up to $35. If\nyou make payments on time for six months, the Late Fee will return to $25.\n\nINTEREST CHARGES:\nVariable Rates: We calculate variable APRs by adding a margin to the\nPrime Rate. The APR may increase or decrease each month if the Prime Rate\nchanges. We may increase or decrease the APR effective on the first billing\ndate after the cycle. If the APR increases, you will pay a higher Interest\nCharge and may pay a higher minimum payment.\nInterest Charge Calculation: New purchases posted to your account during\na billing cycle will not incur a interest charge for that billing cycle if you had\na zero or credit balance at the beginning of that billing cycle, or you paid the\nentire new balance on the previous cycle\xe2\x80\x99s billing statement by the payment\ndue date of that statement; otherwise an interest charge will accrue from\nthe date a purchase is posted to your account. To avoid an additional interest\ncharge on the balance of purchases, you must pay the entire new balance on\nthe billing statement by the payment due date of that statement. An interest\ncharge begins to accrue on cash advances from the date you get the cash\nadvance or from the first day of the billing cycle in which the cash advance is\nposted to your account, whichever is later.\nThe interest charge is calculated separately for purchases and cash advances.\nFor purchases, the interest charge is computed by applying the periodic rate\nto the average daily balance of purchases. To get the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each\nday, add any new purchases, and subtract any payments and/or credits.\nThis gives us the daily balance of purchases. Then, we add all the daily\nbalances of purchases for the billing cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the average daily balance\nof purchases.\nFor cash advances, the interest charge is computed by applying the periodic\nrate to the average daily balance of cash advances. To get the average daily\nbalance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments\nand/or credits that we apply to the cash advance balance. This gives us the\ndaily balance of cash advances. Then, we add all the daily balances of cash\nadvances for the billing cycle together and divide the total by the number\nof days in the billing cycle. This gives us the average daily balance of cash\nadvances. Balance transfers are calculated in the same manner as cash\nadvances unless otherwise noted.\nTermination of Introductory or Promotional Rates: If during an\nIntroductory or Promotional Rate period, we have not received the required\nminimum monthly payment within 60 days of the respective payment due\ndate, we will increase the applicable APR to the standard non-promotional\nAPR. Introductory and/or Promotional Rates will not be reinstated.\nGrace Period: We will not charge you interest on new Purchases if you\npay your full Account balance by the due date each month. Also, we will\nnot impose Interest Charges on any portion of a new Purchase balance you\n\nCash Advance Fee: See the Account Opening Disclosure.\nBalance Transfer or Convenience Check Fee: See the Account Opening\nDisclosure.\n\nStop Payment Fee: If a Convenience Check is dishonored or when a\npayment of a Convenience Check is stopped at your request, you will be\ncharged a Stop Payment Fee of $25. If you are charged a Stop Payment\nFee more than once in a six month period, the Stop Payment Fee will go up\nto $35. If you are not charged a Stop Payment Fee for six months, the Stop\nPayment Fee will return to $25.\nForeign Transaction Fee: There is a fee for transactions that take place\noutside of the United States, even if the currency used is U.S. Dollars. See\nthe Account Opening Disclosure for details.\nRush Card Fee: $35\nAdministrative Fees: If you request a copy of a Statement, sales draft or\nother record of your Account (including Convenience Checks) or if you request\ntwo or more Cards or any special services (for example, obtaining Cards on an\nexpedited basis), we may charge you for these services. We may also refer\nto these fees as the copy fee and the Card replacement fee, respectively. In\naddition, if our representative initiates an express payment at your request,\nwe may charge you a fee for this service. We may also refer to this fee as the\nSpeedPay fee. However, we will not charge you for Statements, sales drafts,\nor similar documents that you requested for a billing dispute you may assert\nunder applicable law. Other fees may apply for other services we provide\nthat we will inform you about at the time the service is offered.\nAUTHORIZATION/REFUSAL TO AUTHORIZE TRANSACTIONS: We may\ndecline, at any time, at our sole discretion, an authorization request for any\ntransaction for any reason, including but not limited to:\n\xe2\x80\xa2 Operational considerations;\n\xe2\x80\xa2 Your Account is in default; and /or\n\xe2\x80\xa2 We suspect fraudulent or unlawful activity, including but not limited to\nauthorization requests from online gambling merchants, whether or not\nonline gambling is illegal in the state in which you reside.\nWe are not responsible for any losses or damages, including consequential\ndamages, if a transaction on your Account is declined, either by us or a third\nparty, even if you have sufficient credit available.\nREFUSAL TO PAY CHECKS: Each Check you write drawn on your Account is\nyour request for funds. When we receive a Check for payment, we may review\nyour Account to decide whether to authorize that Check. We may, but are not\nrequired to, reject and return a Check unpaid for any reason, including the\nfollowing examples:\n\xe2\x80\xa2 Your Account has not been activated.\n\xe2\x80\xa2 You have used the Check after the date specified on it.\n\xe2\x80\xa2 The Check is being used to pay on any outstanding payment or balance you\nowe us.\n\xe2\x80\xa2 Your Credit Line has been exceeded, or would be exceeded if we paid the\nCheck.\n\xe2\x80\xa2 The Check does not bear an authorized signer\xe2\x80\x99s signature on file with us.\n\xe2\x80\xa2 The Check is post-dated. If a post-dated Check is paid, resulting in another\nitem being returned or not paid, we are not responsible.\n\n\x0c\xe2\x80\xa2 Your account is in default, or would be if we paid the Check.\n\napplied in satisfaction of future Minimum Required Payments.\n\nRETURNS AND ADJUSTMENTS: Merchants and others who honor your Card\nmay give credit for returns or adjustments, and they will do so be sending us\na credit 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. You may request a refund of credit balances at any time.\nIf you don\xe2\x80\x99t request a refund, we will apply credit balances to new transactions\nunless a refund is required by law.\n\nEFFECT OF AGREEMENT: This Agreement is the contract which applies to all\ntransactions on your Account even though the sales, cash advances, credit or\nother slips you sign may contain different terms. We may amend this Agreement\nfrom time to time by sending you the advance written notice required by law.\nTo the extent the law permits, and unless we indicate otherwise in our notice,\namendments will apply to your existing Account balances as well as to future\ntransactions. This Card may also be tied to benefits associated with deposit\naccounts, as outlined in your deposit account agreement.\n\nDEFAULT: Your Account will be in default if:\n\xe2\x80\xa2 we do not receive a required payment when due, including the minimum\npayment by the date shown on your Statement;\n\xe2\x80\xa2 you exceed your credit limit;\n\xe2\x80\xa2 you fail to comply with the terms of this Agreement;\n\xe2\x80\xa2 you make any false or misleading statements or omissions on your\napplication;\n\xe2\x80\xa2 you file a bankruptcy petition or have one filed against you;\n\xe2\x80\xa2 we obtain information that causes us to believe that you may be unwilling or\nunable to pay your debts to us or to others on time including, but not limited\nto, your failure to make any payment to us on any other indebtedness or loan;\nor\n\xe2\x80\xa2 you become incapacitated or die.\n\nOTHER PROVISIONS:\n\xe2\x80\xa2 Each Account you have with us is separate from any others you have with\nus, and Interest Charges will be charged on each Account\xe2\x80\x99s balance at the\nAPR given with each Account Opening Disclosures. Each individual Account\nwill have its own Account number.\nYour Card(s) are the property of CommunityAmerica Credit Union.\n\xe2\x80\xa2 CommunityAmerica Credit Union may share your Account experience\nand transaction information with its affiliates, which are members of\nthe CommunityAmerica family of companies as defined in your Privacy\nStatement. Please refer to your Privacy Statement for your options on\nlimiting sharing.\n\xe2\x80\xa2 Collateral securing other loans with us may also secure this indebtedness.\n\xe2\x80\xa2 You agree to notify us immediately if you change your address.\n\nPAYMENTS\nPayment Due Date: Payments are due on the payment due date shown on\nyour monthly Statement. Your payment must be received by 5:00 p.m. in\norder to be considered received as of that date. Payments received after that\ntime will be credited on the next Business Day.\nPayment Instructions: You must follow the payment instruction on your\nStatement. You must pay in U.S. dollars, without restrictive terms. We may\naccept checks marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words of similar effect\nwithout losing any of our rights to collect the full balance of your Account.\nMinimum Payment: You agree to pay at least the minimum payment\nwhen due as shown on your billing statement. You may pay more than the\nminimum payment due and may pay the full amount you owe us at any time.\nIf you have a balance that is subject to Interest Charges, the sooner you make\nyour payment, the less you will pay because Interest Charges accrue on your\nbalance each day.\nThe Minimum Payment is calculated as the greater of:\n\xe2\x80\xa2 $25.00 or the full amount of your total balance if it is less than $25.00; or\n\xe2\x80\xa2 2.5% of the new balance plus any Fees, Interest Charges, amounts over\nyour Credit Line, and/or past due amounts. The payment amount is\nrounded to the nearest dollar.\nPayment Allocation: We will allocate your minimum payment in the\nmanner we determine. We will apply the amount in excess of the minimum\npayment to balances with higher APRs before balances with lower APRs.\nLOST OR STOLEN CARDS: You agree to notify us immediately, verbally or in\nwriting at 1.800.892.7957, (after hours call 1.877.661.4920), or PO Box 15950,\nLenexa, Kansas 66285-5950 if any Card, Check, Account number or other\nmeans to access your Account is lost, stolen or used without your permission.\nGOVERNING LAW: The terms and enforcement of this Agreement and your\nAccount shall be governed and interpreted in accordance with federal law and, to\nthe extent state law applies, the laws of the State of Missouri. Fees are governed\nby section 408.145 RsMo. If any part of this Agreement is unenforceable, this\nwill not make any other part of this Agreement unenforceable.\nDELAYED ENFORCEMENT: Our failure to exercise any of our rights when your\nAccount is in default does not mean that we are unable to exercise those rights\nupon later default. We will not lose any of our rights under this Agreement if\nwe delay taking action for any reason. We may accept late or partial payments,\nas well as payments marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with other restrictive\nendorsements without losing any of our rights under this Agreement. Any\npayment amount in excess of the Minimum Required Payment will not be\n\nARBITRATION OF DISPUTES \xe2\x80\x93 AGREEMENT TO ARBITRATE: In the event of\nany past, present or future claim or dispute (whether based upon contract, tort,\nstatute of the United States or any state, common law or equity) between you\nand us arising from or relating to your Account, any prior account you have had\nwith us, your applications, the relationships which result from your Account\nor the enforceability or scope of this arbitration provision, of the Agreement or\nof any prior agreement, you or we may elect to resolve the claim or dispute by\nbinding arbitration. All disputes over the arbitrability of specific issues shall be\nsolved by the arbitrator. Judgment upon the arbitration award may be entered\nin any court of competent jurisdiction.\nEXCEPT FOR THE LIMITED INSTANCES SET FORTH BELOW, IF EITHER YOU\nOR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT\nTO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT\nCLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL\nRIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO\nJOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER\nCARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN\nCOURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER\nOF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY (\xe2\x80\x9cClass Action\nWaiver\xe2\x80\x9d).\nNotwithstanding anything else to the contrary in this arbitration provision, only\na court, and not an arbitrator, shall determine the validity and effect of the\nClass Action Waiver. Even if all parties have opted to litigate a claim in court,\nyou or we may elect arbitration with respect to any claim made by a new party\nor any new claims later asserted in that lawsuit and nothing undertaken therein\nshall constitute a waiver of any rights under this arbitration provision. We will\nnot invoke our right to arbitrate an individual claim you bring in small claims\ncourt or your state\xe2\x80\x99s equivalent court, if any, unless such action is transferred,\nremoved or appealed to a different court. Nothing contained herein shall limit\nour right to foreclose against or sell any collateral, whether real or personal, to\nexercise any right of setoff, or to obtain provisional or ancillary remedies from\na court of competent jurisdiction before, during or after arbitration, including,\nbut not limited to, our right to bring a legal proceeding against you in state or\nfederal court to collect a debt owed by you. The exercise of rights granted under\nthis paragraph shall not be deemed a waiver of the right to compel arbitration.\nGoverning Law and Rules for Arbitration: Your Account involves interstate\ncommerce and this provision shall be governed by the Federal Arbitration Act\n(\xe2\x80\x9cFAA\xe2\x80\x9d). The arbitration shall be conducted, at the option of whoever files the\n\n\x0carbitration claim, by either the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) or\nthe National Arbitration Forum (\xe2\x80\x9cNAF\xe2\x80\x9d) in accordance with their procedures\nin effect when the claim is filed. For a copy of their procedures, to file a claim\nor for other information, contact AAA at 335 Madison Ave., Floor 10, New\nYork, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or NAF at PO Box\n50191, Minneapolis, MN 55405 (phone 1-800-474-2371). No other arbitration\nforum will be permitted, except as agreed to pursuant to either the Effect of\nAgreement section or a writing signed by both parties. Unless consented to by\nall parties, no arbitration may be administered by any administrator that has\nany formal or informal policy, rule or procedure that is inconsistent with or\npurports to override the terms of this section.\nFees and Cost of Arbitration: At your written request, we will advance any\narbitration filing, administration and hearing fees which you would be required\nto pay to pursue a claim or dispute as a result of our electing to arbitrate that\nclaim or dispute. Send requests to CommunityAmerica Credit Union, c/o Credit\nCard Department, PO Box 15950, Lenexa, KS 66285-5950. The arbitrator will\ndecide who will ultimately be responsible for paying those fees. You will only be\nresponsible for paying or reimbursing our arbitration filing, administrative or\nhearing fees to the extent you would have been responsible for paying attorneys\xe2\x80\x99\nfees and court or other collection costs had the action proceeded in court. In no\nevent will you be required to pay any fees or costs incurred by us in connection\nwith an arbitration proceeding where such a payment or reimbursement is\nprohibited by applicable law.\nHearings and Decisions: Any arbitration hearing will take place in the\nfederal judicial district where you reside. The arbitrator shall follow applicable\nsubstantive law to the extent consistent with the FAA and applicable statutes\nof limitations and shall honor claims of privilege recognized at law and shall\nbe authorized to award all remedies permitted by the substantive laws that\nwould apply if the action were pending in court. If requested by any party,\nthe arbitrator shall write an opinion containing the reasons for the award. The\narbitrator\xe2\x80\x99s decision will be final and binding except for any appeal rights under\nthe FAA and except that if the amount in controversy exceeds $100,000, any\nparty may appeal the award within 30 days to a three-arbitrator panel which\nshall review the award de novo. Unless applicable law provides otherwise,\nthe appealing party will pay the cost of the appeal, regardless of its outcome.\nHowever, we will consider in good faith any reasonable request for us to\nbear the fees charged by the arbitration administrator and the arbitrators in\nconnection with the appeal. Judgment upon any award by the arbitrator may be\nenforced in any court having jurisdiction.\nOther Beneficiaries of the Arbitration Provisions: Our rights and\nobligations under this arbitration provision shall inure to the benefit of and be\nbinding upon our credit union service organizations, subsidiaries, affiliates,\npredecessors, successors, assigns, as well as the officers, directors and\nemployees of each of these entities, and will also inure to the benefit of any\nthird party named as a co-defendant with us or with any of the foregoing in a\nclaim which is subject to this arbitration provision. Your rights and obligations\nunder this arbitration provision shall inure to the benefit of and be binding upon\nall persons contractually liable under this Agreement, and all authorized users\nof the Account.\nSurvival of this Provision: The arbitration provision shall survive\ntermination of your Account as well as voluntary payment in full by you, any\nlegal proceedings by us to collect a debt owed by you, any bankruptcy by you\nand any sale by us of your Account.\nRight to Reject Arbitration: You may reject the Arbitration of Disputes\nsection by providing us a notice of rejection within 30 days after receiving\na Card at the following address: CommunityAmerica Credit Union, c/o Credit\nCard Department, PO Box 15950, Lenexa, KS 66285-5950. Your rejection\nnotice must include your name, address, telephone number, Account number,\nand signature, and must not be sent with any other correspondence. Calling\nus to indicate that you reject the Arbitration of Disputes section or sending a\nrejection notice in a manner or format that does not comply with all applicable\nrequirements is insufficient notice. In order to process your notice, we require\nthat the notice be provided by you directly and not through a third party.\nRejection of arbitration will not affect your other rights or responsibilities\nunder this Agreement or your obligation to arbitrate disputes under any other\n\naccount as to which you and we have agreed to arbitrate disputes. If you do\nnot send a rejection notice, you will be obligated by the Arbitration of Disputes\nsection with respect to this and any prior account you have had with us, even if\nyou have previously sent a rejection notice with respect to that prior account.\nYOUR BILLING RIGHTS. Keep this Notice for Future Use.\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\n\xe2\x80\xa2 What to do if you find a mistake on your statement\nIf you think there is an error on your Statement, write to us at:\nCommunityAmerica Credit Union Customer Service: PO Box 31112, Tampa,\nFl 33631-3112\nIn your letter, give us the following information:\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\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you\nwant 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\nyou do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\n\xe2\x80\xa2 What 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\nor explain to you why we believe the bill is correct.\n\xe2\x80\xa2 While 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\non that amount.\n- The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\n\xe2\x80\xa2 After 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\nany interest or other fees related to that amount.\n- 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 questioning\nyour bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been\nsettled between 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\nthe merchant, you may have the right not to pay the remaining amount due on\n\n\x0cthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must have 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:\nCustomer Service, PO Box 31112, Tampa, FL 33631-3112\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.\nTHIS CONTRACT CONTAINS A BINDING ARBITRATION PROVISION WHICH\nMAY BE ENFORCED BY THE PARTIES.\n\nRevised 4/2012\n\n\x0c'


b'CommunityAmerica Credit Union\nPO Box 15950\nLenexa, KS 66285-5950\n800.892.7957\nCACU.com\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 01/21/16 .\nYou can contact us toll free at 800.892.7957 or the address above to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\n\nAnnual Percentage Rate (APR) for\nPurchases & Balance Transfers\n\nAPR for Cash Advances\n\nPaying Interest\n\nCommunityAmerica\nVisa Platinum\n\nCommunityAmerica\nVisa Platinum Cash Back\n\nCommunityAmerica\nVisa Platinum Rewards\n\n10.49%, 12.49%,\n16.49%, 21.49%,\nor 22.49%\n\n13.49%, 15.49% or\n20.49%\n\n12.49%, 14.49% or\n19.49%\n\ndepending on your credit history.\nThis APR will vary with the\nmarket based on the Prime Rate.\n\ndepending on your credit history.\nThis APR will vary with the\nmarket based on the Prime Rate.\n\ndepending on your credit history.\nThis APR will vary with the market\nbased on the Prime Rate.\n\n10.49%, 12.49%, 16.49%,\n13.49%, 15.49% or 20.49%\n12.49%, 14.49% or 19.49%\n21.49%, or 22.49%\ndepending on your credit history. depending on your credit history. depending on your credit history.\nThis APR will vary with the\nThis APR will vary with the market\nThis APR will vary with the\nmarket based on the Prime Rate. market based on the Prime Rate. based on the Prime Rate.\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on\npurchases if you pay your entire new purchase balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the date the cash advance or balance\ntransfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\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 credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your Account\n- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\n3% of the amount of each transfer or $5.00, whichever is greater (maximum: $75.00)\n3% of the amount of each cash advance or $5.00, whichever is greater (maximum: $75.00)\n1% of each transaction in U.S. dollars\n1% of each transaction made in currencies other than U.S. dollars\nup to $35.00\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\n9009 LASER ML FPDF FI16599 Rev 11-2015\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'