b'RED CANOE CREDIT UNION\nVISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT\nThis VISA Platinum Credit Card Account Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the Account Disclosures accompanying this Agreement will\ngovern your VISA Platinum Credit Card and account (\xe2\x80\x9cAccount\xe2\x80\x9d) issued by Red Canoe Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d). In this\nAgreement, the words "you," "your," "yours," "applicant," and "Borrower" mean any person who signs the application for this Account,\nany joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words "we," "us," "our," and\n"Credit Union" mean Red Canoe Credit Union. The word "Card" means any one or more credit cards issued under this Account. If\nyou sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they\nwill have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by\nthe following terms and conditions which will govern this Account.\n1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card or\nAccount by you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have\nactual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to pay us either by direct\npayment or by automatic transfers from shares or by payroll deduction.\n2. ACCOUNT ACCESS. You must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods,\nservices, or insurance wherever the Card is honored, up to the full amount of your Credit Line. You may use your Account to get cash\nadvances from us. You may also use your Card to get a cash advance from participating financial institutions and to access your line\nof credit at automatic teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) within the VISA network or any other ATMs. Balance transfers are treated as\npurchases. The maximum cash advance limit is 100% of your credit limit.\n3. CREDIT LINE. If we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be\nthe Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the maximum amount\nyou may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line.\nHowever, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.\nObtaining such credit does not increase your Credit Line. We retain the right to increase or decrease your Credit Line at any time.\nAny increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate notice together\nwith any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy\nand may be terminated at our sole discretion, without demand or notice. You may close your Credit Line at any time by notifying us in\nwriting and returning all Cards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the\nprovisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums\ndue us under this Agreement and returned all Cards.\n4. OVERDRAFT PROTECTION. If we approve your request for overdraft protection, you may access your Credit Line by overdrawing\nyour checking account. We will treat any overdraft item as a request for an advance on your Credit Line. Overdraft transfers will be made in\namounts sufficient to cover the overdrawn item. The fee for overdraft transfers is set forth on the Rate and Fee Schedule. Overdraft\ntransfers from your Credit Line will be governed by your Membership and Account Agreement and this Agreement. You understand that\nany owner on your checking account may obligate you to repay overdraft advances by overdrawing the checking account.\n5. MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will\npay each month not less than the minimum monthly payment on or before the closing date. The minimum monthly payment will be 3.0% of\nyour outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25, whichever is greater. If your outstanding balance is $25 or less, you agree to pay the\nbalance in full. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We\ncan accept late payments or partial payments, or checks, drafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights\nunder this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a\nminimum payment. The minimum monthly payment may be allocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances, such\nas promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly\npayment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly\npayment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments\nreceived at: Red Canoe Credit Union Payment Center, PO Box 3020, Longview, WA 98632, on or before 5:00 PM Pacific Time on any\nbusiness day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a\nweekend will be posted to your Account as of the next business day.\n6. SECURITY INTEREST. By signing your application, to secure your Account, you granted us a purchase money security interest\nunder the Washington Uniform Commercial Code in any goods you purchase through your Account. If you default, we will have the\nright to recover any of these goods that have not been paid for through application of your payments in the manner described in\nSection 5. In addition, you granted us a security interest in all your shares and deposits, present and future, and all accounts (except\nIndividual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your Account and agree, upon default, the Credit\nUnion may apply all that is secured to pay any amounts due under this Agreement, without further notice to you. You further agree\nthat collateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account.\n7. PERIODIC STATEMENTS. Each month, if your outstanding balance exceeds $1, we will send you a statement showing new\npurchases, cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New\nBalance," any Interest Charge, and any other charges. Your statement also will identify the remaining Credit Line available and the\nMinimum Monthly Payment you must make for that billing period and the date it is due. For statement verification purposes, you agree to\nretain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify\nus of a billing error as described below, you accept your monthly statement as an accurate statement of your Account with us.\n8. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED. The total outstanding balance of purchases\nand cash advances in the Account on the closing date of a billing period, including any Interest Charge will be shown on the Periodic\nStatement for that billing period as the "New Balance."\n\n\x0ca. Cash Advances. An Interest Charge will be imposed on cash advances from the date each cash advance is made. There is\nno time period within which to pay to avoid a periodic Interest Charge on cash advances.\nb. Purchases. Your due date is approximately 25 days after the close of each billing period. An Interest Charge will be imposed on\nthe portion of purchases included in the New Balance that is not paid by the due date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an Interest\nCharge on purchases for a billing period. However, if you do not pay the New Balance for purchases within the grace period, your Interest\nCharge will accrue on any unpaid purchase transactions from the first day of the billing period in which the payment is due.\n9. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT\nOF INTEREST CHARGE. The Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of\npurchases and cash advances for your Account (including current transactions) by the Daily Periodic Rate, and then we multiply the\nresult by the number of days in the billing period. To get the "Average Daily Balance" we take the beginning balance of your Account\neach day, add any new purchases or cash advances, and subtract any payments or credits, unpaid Interest Charge and unpaid late\ncharges. This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the\nnumber of days in the billing period. This gives us the "Average Daily Balance." To get the \xe2\x80\x9cDaily Periodic Rate,\xe2\x80\x9d we divide the Annual\nPercentage Rate in effect for the billing period by 365.\n10. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.\na. Standard Rates. The Annual Percentage Rate(s) and corresponding Daily Period Rate(s) that are used to compute the\nInterest Charge for your Account are based upon your credit qualification and are disclosed in the Account Disclosure and each\nmonthly billing statement.\nb. Introductory Rates. At our discretion, we may offer you an introductory or promotional Annual Percentage Rate for your\nAccount. Any introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement,\nincluding but not limited to the Penalty APR described below. We will provide you with information on the offer, including the time\nperiod the introductory or promotional Annual Percentage Rate is in effect in the Account Disclosure or in other materials that we send\nto you about the offer after you receive your Credit Card.\nc. Penalty APR. The Daily Periodic Rate and Annual Percentage Rate may increase if your minimum payment has not been\nreceived within 60 days after the due date for such payment, in which case we may increase the Annual Percentage Rate for your\nentire balance to 19.90% (\xe2\x80\x9cPenalty APR\xe2\x80\x9d). We will send you advance written notice that your Annual Percentage Rate will be\nincreasing. Following implementation of the Penalty APR, if you make your payments on time for six (6) consecutive months, the\nPenalty APR will terminate and the prevailing variable Annual Percentage Rate will apply.\n11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. You agree to pay the following fees and charges on your\nAccount.\na.\n\nLate Fee. If we do not receive your minimum payment within 3 days of the due date, you agree to pay a late fee of $25.\n\nb. Copying Fee. We may charge you $13 for each VISA draft copy you request for your Account. If the request relates to a\nbilling error and we determine that a billing error was made, any photocopying charges will be refunded.\nc. Returned Item Fee. If any check or draft we receive from you as payment for any amount you owe to us is returned to us\nunpaid, you agree to pay a returned item fee of up to $25.\nd. ATM Fee. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your\nAccount if you complete the transaction.\ne. Attorney\'s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your\nAccount, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for\nbankruptcy proceedings, appeals, and any post-judgment collection services, if applicable. These fees and costs may be added to\nyour Account balance and will bear interest at the Annual Percentage Rate in effect at that time.\n12. CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:\na. Use. Your Card and Account may be used only for valid and lawful purposes. You may not use your Card (i) to make\nPurchases or obtain Cash Advances for any illegal transaction, or (ii) for any internet or online gambling transactions. If you use your\nCard for any illegal or prohibited transaction, this Agreement also applies to such transaction and you agree to pay any and all\namounts related to such transaction pursuant to the terms of this Agreement. We may, in our sole discretion, restrict the use of or\nterminate your Card if we notice excessive use of your Card or other suspicious activities or if we reasonably believe the Card is or has\nbeen used for one or more illegal or prohibited transactions.\nb. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be\nreturned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card,\nimmediately according to instructions. The Card may be repossessed at any time in our sole discretion without demand or notice. You\ncannot transfer your Card or Account to another person.\nc. Honoring the Card. We may decline to honor any transaction for any reason. Neither we nor merchants authorized to honor\nthe Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you. If a\nmerchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nd. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to\nyou in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected\nby VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you\nwill be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country.\ne. Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us\npromptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on your monthly\n\n\x0cstatements. Payments received at that address will be credited to your Account as of the date received. Written notices and inquiries\nto us must be sent to:\nRed Canoe Credit Union\nPO Box 3020\nLongview, WA 98632\n(800) 562-5611\nf. Personal Identification Number. If we issue you a Personal Identification Number ("PIN") for use with your Card in\naccessing your line of credit at ATMs, these numbers are issued to you for your security purposes. These numbers are confidential\nand should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise\nmake available your PIN to anyone not authorized to sign on your Account. To keep your Account secure, please do not write your\nPIN on your Card or keep it in the same place as your Card.\n13. LOAN PROTECTION. Loan Protection coverage is not required for any extension of credit under this Agreement. However, you\nmay purchase any loan protection available through us and have the monthly fee added to your outstanding balance as purchases. If\nyou elect to do so, we will give you the necessary disclosures and documents separately.\n14. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is not\nmade when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other agreement\nwith us; or (d) If we reasonably deem ourselves insecure with respect to your Account. Upon default, we may declare the entire unpaid\nbalance immediately due and payable, and you agree to pay that amount plus any attorney\'s fees and costs we incur, including fees\nand costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under this Agreement without losing that right or\nany other right. We will notify you in writing of any such action as soon as practical if it occurs.\n15. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws\nof the State of Washington.\n16. SEVERABILITY. If any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in\neffect.\n17. LOSS OR THEFT OF CARD. You agree to promptly notify us immediately of the loss, or the theft, or the use without your\npermission, of any Card or other credit instrument or device which we supply to you. You may be liable for the unauthorized use of\nyour card if we reasonably determine your handling of your Card or account was negligent or fraudulent. You will not be liable for\nunauthorized use which occurs after you notify: Red Canoe Credit Union, PO Box 3020, Longview, WA 98632, Telephone: (800) 5625611, orally or in writing of loss, theft, or possible unauthorized use. In any case, your liability shall not exceed $50.\n18. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus,\nmerchants, and other financial institutions) regarding the status and history of your Credit Line. You agree to provide us, at any time\nwe deem necessary, with a current financial statement and/or updated credit information upon request. We may investigate your credit\ndirectly or through a credit reporting agency.\n19. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by\napplicable law. We will notify you of the changes to this Agreement as required by law.\n20. BILLING ERRORS NOTICE, YOUR CREDIT CARD BILLING RIGHTS. Keep this document for future use. This notice tells you\nabout your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: Red Canoe\nCredit Union, PO Box 3020, Longview, WA 98632. In your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\n\xe2\x80\xa2\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When 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 already\ncorrected 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 correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\n\x0cIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if\nyou 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 still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us. If 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 is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 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 an\nadvertisement 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 check\nthat 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 at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\xe2\x80\xa2\n\n21. Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as\ndescribed below.\na. Borrower Certification of Active Duty. By requesting a Credit Card each borrower certifies to the Credit Union that\nborrower: (i) is a Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not\nless than 30 days) Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.\nBorrower(s) authorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the\ndatabase of the Department of Defense or from a consumer report obtained from a consumer reporting agency.\nb. Military Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for a credit card account); and any participation fee\ncharged (other than certain participation fees for a credit card account).\nc. Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 1 and 4 above in the Credit\nCard Agreement.\nd. Security Interest. The Credit Union\xe2\x80\x99s security interest in all your Credit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply your Credit Card Account. A security interest in shares or deposits granted in connection with any other\ncredit card account, loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that\ncollateral securing one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share account\nspecifically in connection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account\nare subject to our security interest as set forth above in the Credit Card Agreement.\ne. Credit Union Toll-Free Telephone Number (800) 562-5611. Call this number for verbal information about the Military Annual\nPercentage Rate and your payment obligation.\n22. ACKNOWLEDGMENT. You understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing\nNotice. You acknowledge that you have received a copy of this Agreement, the Account Disclosure, and the Fair Credit Billing Notice.\nThis Agreement is a final expression of the agreement between you and the Credit Union.\n\n\x0cRed Canoe Credit Union\nVISA Platinum Credit Card Account Disclosures\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for\nPurchases and Cash Advances\n\n4.90% Introductory APR for 6 months from date of account opening.\nAfter that, your APR will be 8.90%-19.90% based on\n\nyour\n\ncreditworthiness.\nAnnual Percentage Rate (APR) for\nBalance Transfers\n\nYour APR will be 8.90%-19.90% when you open your account based on your\ncreditworthiness\n\nPenalty APR and When it Applies\n\n19.90%,\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\nYour due date is approximately 25 days after the close of each billing cycle.\nWe will not charge any interest on the portion of the purchases balance that\nyou pay by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\n\nPaying Interest\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\ncard, visit the website of the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment Fee\n\n\xe2\x80\xa2\n\nReturned Payment Fee\n\n$25.\nUp to $25.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCredit Card Account Agreement.\nThese Account Disclosures for the VISA Platinum Credit Card are part of and integrated with your VISA Platinum Credit\nCard Agreement with Red Canoe Credit Union. We reserve the right to amend the VISA Platinum Credit Card Agreement\nas permitted by law. The above rates and fees are effective as of ________.\n\nPage 1 - VISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\n\xc2\xa92018 Farleigh Wada Witt\n\n\x0c'


b'RED CANOE CREDIT UNION\nVISA PLATINUM REWARDS CREDIT CARD ACCOUNT AGREEMENT\nThis VISA Platinum Rewards Credit Card Account Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the Account Disclosures accompanying this\nAgreement will govern your VISA Platinum Rewards Credit Card and account (\xe2\x80\x9cAccount\xe2\x80\x9d) issued by Red Canoe Credit Union (\xe2\x80\x9cCredit\nUnion\xe2\x80\x9d). In this Agreement, the words "you," "your," "yours," "applicant," and "Borrower" mean any person who signs the application\nfor this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words "we,"\n"us," "our," and "Credit Union" mean Red Canoe Credit Union. The word "Card" means any one or more credit cards issued under this\nAccount. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you\nand they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be\nbound by the following terms and conditions which will govern this Account.\n1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card or\nAccount by you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have\nactual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to pay us either by direct\npayment or by automatic transfers from shares or by payroll deduction.\n2. ACCOUNT ACCESS. You must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods,\nservices, or insurance wherever the Card is honored, up to the full amount of your Credit Line. You may use your Account to get cash\nadvances from us. You may also use your Card to get a cash advance from participating financial institutions and to access your line\nof credit at automatic teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) within the VISA network or any other ATMs. Balance transfers are treated as\npurchases. The maximum cash advance limit is 100% of your credit limit.\n3. CREDIT LINE. If we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be\nthe Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the maximum amount\nyou may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line.\nHowever, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.\nObtaining such credit does not increase your Credit Line. We retain the right to increase or decrease your Credit Line at any time.\nAny increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate notice together\nwith any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy\nand may be terminated at our sole discretion, without demand or notice. You may close your Credit Line at any time by notifying us in\nwriting and returning all Cards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the\nprovisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums\ndue us under this Agreement and returned all Cards.\n4. MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will\npay each month not less than the minimum monthly payment on or before the closing date. The minimum monthly payment will be 3.0% of\nyour outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25, whichever is greater. If your outstanding balance is $25 or less, you agree to pay the\nbalance in full. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We\ncan accept late payments or partial payments, or checks, drafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights\nunder this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a\nminimum payment. The minimum monthly payment may be allocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances, such\nas promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly\npayment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly\npayment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments\nreceived at: Red Canoe Credit Union Payment Center, PO Box 3020, Longview, WA 98632, on or before 5:00 PM Pacific Time on any\nbusiness day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a\nweekend will be posted to your Account as of the next business day.\n5. SECURITY INTEREST. By signing your application, to secure your Account, you granted us a purchase money security interest\nunder the Washington Uniform Commercial Code in any goods you purchase through your Account. If you default, we will have the\nright to recover any of these goods that have not been paid for through application of your payments in the manner described in\nSection 4. In addition, you granted us a security interest in all your shares and deposits, present and future, and all accounts (except\nIndividual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your Account and agree, upon default, the Credit\nUnion may apply all that is secured to pay any amounts due under this Agreement, without further notice to you. You further agree\nthat collateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account.\n6. PERIODIC STATEMENTS. Each month, if your outstanding balance exceeds $1, we will send you a statement showing new\npurchases, cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New\nBalance," any Interest Charge, and any other charges. Your statement also will identify the remaining Credit Line available and the\nMinimum Monthly Payment you must make for that billing period and the date it is due. For statement verification purposes, you agree to\nretain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify\nus of a billing error as described below, you accept your monthly statement as an accurate statement of your Account with us.\n7. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED. The total outstanding balance of purchases\nand cash advances in the Account on the closing date of a billing period, including any Interest Charge will be shown on the Periodic\nStatement for that billing period as the "New Balance."\na. Cash Advances. An Interest Charge will be imposed on cash advances from the date each cash advance is made. There is\nno time period within which to pay to avoid a periodic Interest Charge on cash advances.\nb. Purchases. Your due date is approximately 25 days after the close of each billing period. An Interest Charge will be imposed on\nthe portion of purchases included in the New Balance that is not paid by the due date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an Interest\n\n\x0cCharge on purchases for a billing period. However, if you do not pay the New Balance for purchases within the grace period, your Interest\nCharge will accrue on any unpaid purchase transactions from the first day of the billing period in which the payment is due.\n8. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT\nOF INTEREST CHARGE. The Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of\npurchases and cash advances for your Account (including current transactions) by the Daily Periodic Rate, and then we multiply the\nresult by the number of days in the billing period. To get the "Average Daily Balance" we take the beginning balance of your Account\neach day, add any new purchases or cash advances, and subtract any payments or credits, unpaid Interest Charge and unpaid late\ncharges. This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the\nnumber of days in the billing period. This gives us the "Average Daily Balance." To get the \xe2\x80\x9cDaily Periodic Rate,\xe2\x80\x9d we divide the Annual\nPercentage Rate in effect for the billing period by 365.\n9.\n\nPERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.\n\na. Standard Rates. The Annual Percentage Rate(s) and corresponding Daily Period Rate(s) that are used to compute the\nInterest Charge for your Account are based upon your credit qualification and are disclosed in the Account Disclosure accompanying\nthis Agreement and each monthly billing statement.\nb. Introductory Rates. At our discretion, we may offer you an introductory or promotional Annual Percentage Rate for your\nAccount. Any introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement,\nincluding but not limited to the Penalty APR described below. We will provide you with information on the offer, including the time\nperiod the introductory or promotional Annual Percentage Rate is in effect in the Account Disclosure accompanying this Agreement or\nin other materials that we send to you about the offer after you receive your Credit Card.\nc. Penalty APR. The Daily Periodic Rate and Annual Percentage Rate may increase if your minimum payment has not been\nreceived within 60 days after the due date for such payment, in which case we may increase the Annual Percentage Rate for your\nentire balance to 19.90% (\xe2\x80\x9cPenalty APR\xe2\x80\x9d). We will send you advance written notice that your Annual Percentage Rate will be\nincreasing. Following implementation of the Penalty APR, if you make your payments on time for six (6) consecutive months, the\nPenalty APR will terminate and the prevailing variable Annual Percentage Rate will apply.\n10. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. You agree to pay the following fees and charges on your\nAccount.\na.\n\nLate Fee. If we do not receive your minimum payment within 3 days of the due date, you agree to pay a late fee of $25.\n\nb. Copying Fee. We may charge you $13 for each VISA draft copy you request for your Account. If the request relates to a\nbilling error and we determine that a billing error was made, any photocopying charges will be refunded.\nc. Returned Item Fee. If any check or draft we receive from you as payment for any amount you owe to us is returned to us\nunpaid, you agree to pay a returned item fee of up to $25.\nd. ATM Fee. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your\nAccount if you complete the transaction.\ne. Attorney\'s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your\nAccount, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for\nbankruptcy proceedings, appeals, and any post-judgment collection services, if applicable. These fees and costs may be added to\nyour Account balance and will bear interest at the Annual Percentage Rate in effect at that time.\n11. CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:\na. Use. Your Card and Account may be used only for valid and lawful purposes. You may not use your Card (i) to make\nPurchases or obtain Cash Advances for any illegal transaction, or (ii) for any internet or online gambling transactions. If you use your\nCard for any illegal or prohibited transaction, this Agreement also applies to such transaction and you agree to pay any and all\namounts related to such transaction pursuant to the terms of this Agreement. We may, in our sole discretion, restrict the use of or\nterminate your Card if we notice excessive use of your Card or other suspicious activities or if we reasonably believe the Card is or has\nbeen used for one or more illegal or prohibited transactions.\nb. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be\nreturned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card,\nimmediately according to instructions. The Card may be repossessed at any time in our sole discretion without demand or notice. You\ncannot transfer your Card or Account to another person.\nc. Honoring the Card. We may decline to honor any transaction for any reason. Neither we nor merchants authorized to honor\nthe Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you. If a\nmerchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nd. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to\nyou in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected\nby VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you\nwill be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country.\ne. Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us\npromptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on your monthly\nstatements. Payments received at that address will be credited to your Account as of the date received. Written notices and inquiries\nto us must be sent to:\n\n\x0cRed Canoe Credit Union\nPO Box 3020\nLongview, WA 98632\n(800) 562-5611\nf. Personal Identification Number. If we issue you a Personal Identification Number ("PIN") for use with your Card in\naccessing your line of credit at ATMs, these numbers are issued to you for your security purposes. These numbers are confidential\nand should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise\nmake available your PIN to anyone not authorized to sign on your Account. To keep your Account secure, please do not write your\nPIN on your Card or keep it in the same place as your Card.\n12. REWARDS PROGRAM. The Rewards Program ("Program") associated with your Account is the reward program established and\nmaintained by the Credit Union with a third-party service provider selected by the Credit Union. In addition to the other terms and\nconditions of this Agreement, the terms and conditions set forth in the Rewards Program Agreement provided to you with this\nAgreement shall also apply to your Account. The Credit Union reserves the right to terminate the Program or to change the terms and\nconditions of the Program at any time without prior notice. This means the Credit Union may change, among other things, the rules\nregarding redemption of points or the restrictions on the use of rewards. The Credit Union also has the right to add or delete benefits\nand services to your Account at any time.\n13. LOAN PROTECTION. Loan Protection coverage is not required for any extension of credit under this Agreement. However, you\nmay purchase any loan protection available through us and have the monthly fee added to your outstanding balance as purchases. If\nyou elect to do so, we will give you the necessary disclosures and documents separately.\n14. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is not\nmade when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other agreement\nwith us; or (d) If we reasonably deem ourselves insecure with respect to your Account. Upon default, we may declare the entire unpaid\nbalance immediately due and payable, and you agree to pay that amount plus any attorney\'s fees and costs we incur, including fees\nand costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under this Agreement without losing that right or\nany other right. We will notify you in writing of any such action as soon as practical if it occurs.\n15. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws\nof the State of Washington.\n16. SEVERABILITY. If any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in\neffect.\n17. LOSS OR THEFT OF CARD. You agree to notify us immediately of the loss, or the theft, or the use without your permission, of\nany Card or other credit instrument or device which we supply to you. You may be liable for the unauthorized use of your card if we\nreasonably determine your handling of your Card or account was negligent or fraudulent. You will not be liable for unauthorized use\nwhich occurs after you notify: Red Canoe Credit Union, PO Box 3020, Longview, WA 98632, Telephone: (800) 562-5611, orally or in\nwriting of loss, theft, or possible unauthorized use. In any case, your liability shall not exceed $50.\n18. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus,\nmerchants, and other financial institutions) regarding the status and history of your Credit Line. You agree to provide us, at any time\nwe deem necessary, with a current financial statement and/or updated credit information upon request. We may investigate your credit\ndirectly or through a credit reporting agency.\n19. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by\napplicable law. We will notify you of the changes to this Agreement as required by law.\n20. BILLING ERRORS NOTICE, YOUR CREDIT CARD BILLING RIGHTS. Keep this document for future use. This notice tells you\nabout your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: Red Canoe\nCredit Union, PO Box 3020, Longview, WA 98632. In your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When 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 already\ncorrected 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 correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\n\x0c\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if\nyou 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 still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us. If 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 is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 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 an\nadvertisement 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 check\nthat 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 at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n21. Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as\ndescribed below.\na. Borrower Certification of Active Duty. By requesting a Credit Card each borrower certifies to the Credit Union that\nborrower: (i) is a Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not\nless than 30 days) Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.\nBorrower(s) authorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the\ndatabase of the Department of Defense or from a consumer report obtained from a consumer reporting agency.\nb. Military Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for a credit card account); and any participation fee\ncharged (other than certain participation fees for a credit card account).\nc. Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 1 and 4 above in the Credit\nCard Agreement.\nd. Security Interest. The Credit Union\xe2\x80\x99s security interest in all your Credit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply your Credit Card Account. A security interest in shares or deposits granted in connection with any other\ncredit card account, loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that\ncollateral securing one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share account\nspecifically in connection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account\nare subject to our security interest as set forth above in the Credit Card Agreement.\ne. Credit Union Toll-Free Telephone Number (800) 562-5611. Call this number for verbal information about the Military\nAnnual Percentage Rate and your payment obligation.\n22. ACKNOWLEDGMENT. You understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing\nNotice. You acknowledge that you have received a copy of this Agreement and Disclosure and the Fair Credit Billing Notice. This\nAgreement is a final expression of the agreement between you and the Credit Union.\n\n\x0cRED CANOE CREDIT UNION\n\nVISA Platinum Rewards Credit Card Account Disclosures\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for\nPurchases and Cash Advances\n\n4.90% Introductory APR for 6 months from date of account opening.\nAfter that, your APR will be 9.90%-20.90% based on\n\nyour\n\ncreditworthiness.\nAnnual Percentage Rate (APR) for\nBalance Transfers\n\nYour APR will be 8.90%-20.90% when you open your account based on your\ncreditworthiness\n\nPenalty APR and When it Applies\n\n20.90%\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\n\nPaying Interest\n\nYour due date is approximately 25 days after the close of each billing cycle.\nWe will not charge any interest on the portion of the purchases balance that\nyou pay by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\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\ncard, visit the website of the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment Fee\nReturned Payment Fee\n\n$25.\nUp to $25.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCredit Card Account Agreement.\nThese Account Disclosures for the VISA Platinum Rewards Credit Card are part of and integrated with your VISA Platinum\nRewards Credit Card Agreement with Red Canoe Credit Union. We reserve the right to amend the VISA Platinum\nRewards Credit Card Agreement as permitted by law. The above rates and fees are effective as of _______________.\n\nPage 1 - VISA PLATINUM REWARDS CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\n\xc2\xa92018 Farleigh Wada Witt\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n28.49%\n\nHow to Avoid\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\x0cDetails About Your Interest Rates\nand Interest Calculations\nPurchases\n\nDaily Periodic Rate\n0.07805%\n\nFor variable rates:\nU.S. Prime Rate Plus\n25.24%\n\nAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime\nRate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall\nStreet Journal two business days before the Statement Closing Date. If the Prime Rate changes any APR, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nDaily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the\nbalance at the end of the previous day, add the interest on the previous day\xe2\x80\x99s balance and new charges, and subtract new\ncredits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the\nbilling cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.\n\n69T-0520\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n26.49%\n\nAPR for Cash Advances\n\n29.95%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.*\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nCash Advance\nForeign Purchase\nTransaction\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n3% of each purchase transaction in US dollars.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\x0cDetails About Your Interest Rates\nand Interest Calculations\n\nDaily Periodic Rate\n\nFor variable rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.07257%\n\n23.24%\n\nCash Advances*\n\n0.08205%\n\n26.70%\n\n*This variable APR will not exceed 29.99%.\nAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime\nRate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall\nStreet Journal two business days before the Statement Closing Date. If the Prime Rate changes any APR, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nDaily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the\nbalance at the end of the previous day, add the interest on the previous day\xe2\x80\x99s balance and new charges, and subtract new\ncredits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the\nbilling cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.\n\n83S-0520\n\n\x0c'


b'CARD AGREEMENT\nThis Card Agreement is your contract with us. It governs the use of your card and account. The Supplemental Pricing\nInformation (\xe2\x80\x9cSupplement\xe2\x80\x9d) is part of this Agreement. Please read this Agreement, including the Supplement, carefully.\nKeep them for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this Agreement. This includes\naccount numbers.\nwe, us, and our mean Citibank, N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person responsible for\ncomplying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your account.\nThis Agreement is binding on you unless you close your account within 30 days after receiving the card and you have not\nused or authorized use of the card. Your account must only be used for lawful transactions.\nAuthorized Users. You may request cards for authorized users. You must pay us for any charges they make even if\nyou did not intend to be responsible for those charges. You agree that they may receive information about the account,\nsubject to any limitations we impose. You must tell us if you no longer want them to use your account.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each\nof you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of\nthe account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails\nto pay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your\nnames. The delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on\ninstructions given by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement.\nThe full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit\nlimit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect\nbefore you receive the notice. You should always keep your total balance below the credit limit. However, if the total\nbalance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit\nbalance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the Statement\nClosing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any\npurchases. We subtract any credits or payments. We then add any interest charges or fees and make other adjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit;\nand your interest charges and fees.\nWe deliver a billing statement to only one address. You must notify Customer Service of a change in address. We may\nstop sending you statements if we deem your account uncollectible or start collection proceedings; but we may continue\nto add interest and fees as permitted by law\nAPR\nVariable APR Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the\nPrime Rate plus an additional amount. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate\ndecreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street\nJournal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nPurchase APR. See the Supplement.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\n\n\x0cPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a limited period\nof time. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end\nwhen the promotional period expires.\nIf a promotional offer is a deferred interest offer, no interest charges will be imposed on the deferred interest balance if\nyou pay the balance in full by the end of the promotional period for that deferred interest balance. We will impose interest\ncharges on the deferred interest balance at the APR for regular purchases from the date of purchase if you do not pay the\nbalance in full by the end of the promotional period.\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply APRs to your account balances. We do this every day by\nusing a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance.\nThe charges we add to a daily balance include purchases, interest charges and fees. We continue to impose interest\ncharges until we credit your account with full payment of the total amount you owe us.\nGrace Period on Purchases. You can avoid interest charges on purchases. This is called a grace period on purchases. The\ngrace period is at least 25 days. To get a grace period on purchases, you must pay the New Balance by the payment due date\nevery billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing cycles in a row.\nIf you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment\ndue date, that balance (an \xe2\x80\x9cexcluded balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get a grace period on\na purchase balance other than an excluded balance. However, you must still pay any separately required payment on\nthe excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred\ninterest balance will be reduced before any other balance on the account. However, you will continue to get a grace\nperiod on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance,\nplus any separately required payment on an excluded balance) in full by the payment due date each billing cycle.\nIn addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not\ndescribed above may also allow you to have a grace period on purchases without having to pay all or a portion of the\npromotional balance by the payment due date. If either is the case, the promotional offer will describe what happens.\nCalculation of Interest Charges \xe2\x80\x93 Daily Balance Method (Including Current Transactions). We calculate interest\ncharges each billing cycle. To do this:\n\xe2\x80\xa2 We start with each of your different balances. These balances include, for example, regular purchases, and different\npromotional balances. (When we calculate interest charges, we treat each deferred interest transaction separately\neven if it has the same terms as another deferred interest transaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start with the balance\nas of the end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s balance. (This results in daily\ncompounding of interest charges.) We add any new charges. We then subtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing cycle.\nThis gives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase as of the Transaction Date. The Transaction Date is shown on\nthe billing statement. We subtract a payment or credit as of the day it is credited to the account and then make other\nadjustments. We treat a credit balance as a balance of zero.\nMinimum Interest Charge. If we charge you interest, the charge will be no less than $2. We add the charge to the\nregular purchase balance or allocate it among one or more of the balances that accrues interest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each\ndifferent balance. The Balance Subject to Interest Rate is the average of the daily balances during the billing cycle. A\nbilling cycle begins on the day after the Statement Closing Date of the previous billing cycle. It includes the Statement\nClosing Date of the current billing cycle.\nFees\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes, you\nhave a past due payment any time you fail to pay the Minimum Payment Due by the payment due date. The fee will be\n$29; or $40 for any additional past due payment during the next six billing cycles after a past due payment. However, the\nfee will not exceed the amount permitted by law. We add this fee to the regular purchase balance.\n\n\x0cPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must pay at least the\nMinimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you\nwill pay in interest charges.\nWe calculate the Minimum Payment Due as follows. We begin with any past due amount. We add any amount specified in\na promotional offer. We add any amount required by the Promotion Calculation. We also add the largest of the following:\n\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance plus the amount of your billed interest charges on that balance, any minimum\ninterest charge allocated to that balance, and any applicable late fee. (The result is rounded up to the nearest dollar.)\nHowever, we subtract interest charges that accrued during prior billing cycles on a deferred interest balance that\nended during the billing cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less balances subject to the Promotion\nCalculation and less any balances subject to either of two types of promotional terms. The first type are terms that do\nnot require a minimum payment. The second type are terms that require an additional amount as part of the Minimum\nPayment Due.\nIf you have a deferred interest transaction balance subject to the Promotion Calculation, the Promotion Calculation will\nequal 1% of this balance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion\nperiod, any such remaining promotional balance will be included in the Calculated New Balance. The Promotion\nCalculation will apply if, based on the amount of the transaction as shown on the first statement that displays the\ntransaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the transaction, we\ndetermined that paying such dollar amount each billing cycle would result in repayment of the promotional balance before\nthe end of the promotion period.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more than\nthe Calculated New Balance plus two amounts. The first is any amount required by a promotional offer. The second is any\namount required by the Promotion Calculation.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This\nmeans that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first.\nHowever, excess payments received before a deferred interest promotion expires are applied to the deferred interest\npromotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred\ninterest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires,\nexcess payments received before the deferred interest promotion expires are applied to the deferred interest promotional\nbalance first in the last three billing cycles of the promotional period. Payments equal to or less than the Minimum\nPayment Due and credits are applied at our discretion and you authorize us to apply payments and credits in a way that is\nmost favorable or convenient for us. This may include applying such payments and credits to lower APR balances first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the billing statement.\nYou must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on\nand honored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments\nmade in foreign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency\nconversion rate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your\npayment. Or we may bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on\nyour account may be reflected in your credit report. We may report account information in your name and the names of\nauthorized users. We may also obtain follow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing\nstatement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will\ncontact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get from you and\nothers. It also includes information about your transactions with us. Please see our Privacy Notice for details about our\ninformation sharing practices.\n\n\x0cChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by law. The\nchanges may add, replace, or remove provisions of this Agreement. We will give you advance written notice of\nthe changes and a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over your credit limit;\npay by a check or similar instrument that is not honored or that we must return because it cannot be processed; pay by\nelectronic debit that is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you default,\nwe may close your account and, to the extent permitted by law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not\napproved. That is true even if you have enough credit. We may limit the number of transactions approved in one day. If we\ndetect unusual or suspicious activity, we may suspend your credit privileges.\nPreauthorized Charges. We may suspend any automatic or other preauthorized card charges you arrange with a third\nparty. We may do this if you default; if the card is lost or stolen; or we change your account for any reason. If we do this,\nyou are responsible for paying the third party directly if you wish to do so. You are also responsible for reinstating the\npreauthorized charges if you wish to do so and we permit it.\nLost or Stolen Cards or Account Numbers. You must call us if any card or account number is lost or stolen. You\nmust also call us if you think someone used or may use them without permission. When you call, we may require you to\nprovide information to help our investigation. We may require you to provide this information in writing. For example, we\nmay ask you to identify any charges that were not made by you or someone authorized by you. We may also ask you to\nconfirm that you received no benefit from those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you close your\naccount, you must still repay the total balance in accordance with this Agreement. We may also close your account or\nsuspend account privileges at any time for any reason. We may do this without prior notice to you. We may also reissue a\ndifferent card at any time. You must return any card to us upon request.\nProtections for Active Duty Service Members and Their Dependents\nProtections. Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or\nher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). You are entitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you\nare an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active\nduty member. You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the\nArmed Forces (including active Guard and Reserve duty) or a dependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account, including\ninformation about these protections and your payment obligation, by calling 1-877-625-6379 (TTY: Use 711 or other\nRelay Service).\nArbitration. The section of the Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if you are a Covered\nBorrower at the time your account is opened.\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR PARTICIPATE IN A CLASS\nACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY.\nARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN IN COURT. THIS ARBITRATION\nPROVISION IS GOVERNED BY THE FEDERAL ARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE\nBROADEST WAY THE LAW WILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your account,\na previous related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\n\x0c\xe2\x80\xa2 If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or\nhave a jury trial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on or what remedy\n(damages, or injunctive or declaratory relief) they seek, including Claims based on contract, tort (including intentional\ntort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made\nas counterclaims, cross-claims, third-party claims, interpleaders or otherwise; Claims made regarding past, present,\nor future conduct; and Claims made independently or with other claims. This also includes Claims made by or against\nanyone connected with us or you or claiming through us or you, or by someone making a claim through us or you, such\nas a co-applicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court.\n\xe2\x80\xa2 We won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you\nassert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on an\nindividual basis Claims brought against you, including Claims to collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on\nan individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award\nrelief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of\na class action or other representative action. Claims of 2 or more persons may not be combined in the same arbitration.\nHowever, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are\nhere considered as one person.\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) according to this arbitration provision\nand the applicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA Rules\xe2\x80\x9d), except where those rules conflict\nwith this arbitration provision. You can obtain copies of the AAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by calling\n800-778-7879 (TTY: Use 711 or other Relay Service). You or we may choose to have a hearing, appear at any hearing\nby phone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same\ncity as the U.S. District Court closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final\njudgment entered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim,\nmotion, or discovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a\npending matter and/or commence arbitration by submitting the required AAA forms and requisite filing fees to the AAA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules,\nwhich may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery,\nbut the arbitrator shall honor claims of privilege recognized at law and shall take reasonable steps to protect account\ninformation and other confidential information of either party if requested to do so. The arbitrator shall apply applicable\nsubstantive law consistent with the FAA and applicable statute of limitations, and may award damages or other relief\nunder applicable law.\n\xe2\x80\xa2 The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the\nreasons for the award. An arbitration award shall decide the rights and obligations only of the parties named in the\narbitration, and shall not have any bearing on any other person or dispute.\nPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt\ncollection. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not\nrecover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their\nown attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or\nus based on applicable law.\nThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of notice of the award.\nThe arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues\nanew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote.\nArbitration fees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel\non appeal is final. A final award is subject to judicial review as provided by applicable law.\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and termination of the account or the relationship\nbetween you and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your\n\n\x0caccount, to another person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other\nterms shall remain in force, except that there can be no arbitration of a class or representative Claim. This arbitration\nprovision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement\nbetween you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340, St. Louis,\nMO 63179. Your rejection notice must be mailed within 45 days of account opening. Your rejection notice must state\nthat you reject the arbitration provision and include your name, address, account number and personal signature. No\none else may sign the rejection notice. Your rejection notice will not apply to the arbitration provision(s) governing any\nother account(s) that you have or had with us. Rejection of this arbitration provision won\xe2\x80\x99t affect your other rights or\nresponsibilities under this Agreement, including use of the account.\nGoverning Law and Enforcing our Rights\nGoverning Law. Federal law and the law of South Dakota, where we are located, govern the terms and enforcement of\nthis Agreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail\nto enforce them.\nCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your\naccount to a lawyer who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees. They may\nalso include costs and expenses of any legal action.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party\nFor Further Information\nCall us toll-free for further information. Call the toll-free Customer Service telephone number shown on the billing\nstatement or on the back of your card. You can also call local or toll-free Directory Assistance to get our telephone\nnumber.\nYour Billing Rights:\nKeep 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 for billing inquiries and correspondence shown\non the front of your statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve 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 you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential 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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\n\x0c\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you\nas 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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 is\ncorrect.\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\non an 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 at the address for\nbilling inquiries and correspondence shown on the front of 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.\n\xc2\xa9 2021 Citibank, N.A.\n\n202FV1-0721\n\n\x0c'


b'Pricing Information Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n28.49%\n\nAPR for Cash Advances\n\n29.95%\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.*\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nHow We Calculate\nYour Balance\n\nDaily Balance\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nCash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $40\n\n\x0cDetails About Your Interest Rates\nand Interest Calculations\n\nDaily Periodic Rate\n\nFor variable rates:\nU.S. Prime Rate Plus\n\nPurchases\n\n0.07805%\n\n25.24%\n\nCash Advances*\n\n0.08205%\n\n26.70%\n\n*This variable APR will not exceed 29.99%.\nAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the Prime Rate\nplus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime\nRate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall\nStreet Journal two business days before the Statement Closing Date. If the Prime Rate changes any APR, we put the\nnew APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any\nexisting balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime\nRate, we will use a similar published rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.\nDaily Balance. We calculate the daily balance for each of your different balances. To get a daily balance, we take the\nbalance at the end of the previous day, add the interest on the previous day\xe2\x80\x99s balance and new charges, and subtract new\ncredits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the\nbilling cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle.\n\n57T-0520\n\n\x0c'