b'Truliant Federal Credit Union\n\n492100\n\nVISA TRANSPARENT\n\xc2\xae\n\nVISA TRANSPARENT\n\nAccount Opening Disclosure\nand Pricing Information\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases, Balance Transfers, and\nCash Advances\n\n9.24%\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based\non the Prime Rate.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\n\nCREDIT CARD AGREEMENT\nNOTICE: See \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d section for important\ninformation regarding your rights to dispute billing errors.\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the card or who\nsign this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card and any duplicates and renewals we issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card Line of Credit Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means\nthis Credit Union.\n(Continued on next page)\n492100 (10/01/2020)\n\n\x0c1. Using the Card. You may use the Card issued to you to make purchases in person, online, and by mail or telephone from merchants and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions participating in the VISA program and from automated teller machines (ATMs), such as VISA ATM Network, that provide\naccess to the VISA system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to\nobtain a Cash Advance from an ATM. The monthly statement will identify the merchant, electronic terminal or financial institution at\nwhich transactions were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement. You should\nretain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may\nmake a reasonable charge for photocopies of slips you request. You may not use your card for any transaction that is illegal under\napplicable federal, state or local law.\n2. Responsibility. If we issue you a Card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the Card\nand the Card Account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also\nresponsible for charges made by anyone else to whom you give the Card and this responsibility continues until the Card is recovered.\nYou cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request and destroy\nor return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court\njudgement to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person using\nthe Card is jointly responsible with you for charges he or she makes, but if that person signs the Card he or she becomes a party to\nthis Agreement and is also jointly responsible for all charges on the Account, including yours.\n3. Military Lending Act. If you are a covered borrower under regulations related to the Military Lending Act, federal law provides\nimportant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account). Please call us at 1-855-878-0499 to receive oral disclosures.\n4. Convenience Checks. We may supply you with personalized Convenience Checks which may be used to obtain Cash Advances\non your VISA Account. Only the person whose name is printed on a Convenience Check may sign it. The following other conditions\napply to the use of Convenience Checks: (a) you may not use one to make a payment on any obligation to the Credit Union, (b) it\nmust be written for only U.S. dollars, (c) it cannot be postdated (show a future date), (d) it cannot be certified, (e) it will not be honored\nif you are in default to the Credit Union under this agreement or any other agreement with the Credit Union, (f) it cannot be for an\namount greater than the remaining credit available in your Credit Line, and (g) it will not be honored if it has been reported lost or\nstolen. The Credit Union will have no liability for failure to honor a check for any of the foregoing reasons. Any Convenience Check\nthat the Credit Union pays will be treated as a Cash Advance for your Account.\n5. Lost Card Notification. If you believe the Card has been lost or stolen, you will immediately call the Credit Union at 800-822-0382\nor 800-442-4757.\n6. Liability for Unauthorized Use. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft, or possible unauthorized use. In\nany case, your liability will not exceed $50.00 for unauthorized cash advances at ATM\xe2\x80\x99s. You will have no liability for unauthorized\npurchases made with your card.\n7. Credit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its amount\nwhen we issue the Card. You agree not to let the Account balance exceed this approved Credit Line. Each payment you make on\nthe Account will restore your Credit Line by the amount of the payment which is applied to principal. You may request an increase in\nyour Credit Line only by written application to us, which must be approved by us. By giving you written notice we may reduce your\nCredit Line from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure\nto comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any\ntime, but termination by either of us does not affect your obligation to pay the Account balance. All Cards remain our property and\nyou must recover and surrender to us all Cards upon our request and upon termination of this Agreement.\n8. Credit Information. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account and\nyou authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by applicable law.\n9. Monthly Payment. We will mail you a statement each month showing your previous balances of Purchases, Balance Transfers,\nand Cash Advances, current transactions on your Account, the Minimum Payment required, and other information. Each month you\nmust pay at least the Minimum Payment within 25 days of your statement closing date. You may, of course, pay more frequently, pay\nmore than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the FINANCE CHARGE by doing so. Your\nMinimum Payment will be either (a) 2% of your Total New Balance, or $20.00, whichever is greater, or (b) your Total New Balance if\nit is less than $20.00. In addition, you must pay any portion of the Minimum Payment(s) shown on prior statement(s) which remain\nunpaid. If at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand.\nUnless you otherwise instruct, we may apply your payments in such manner as we may elect.\n10. Finance Charges. A FINANCE CHARGE will be imposed on all outstanding balances in your Account from the time they are\nposted to your Account; however, you can avoid FINANCE CHARGES on Purchases by paying the full amount of the New Balance\nof Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases will be subject\nto a FINANCE CHARGE. Cash Advances and balance transfers are always subject to FINANCE CHARGE from the date that they\nare posted to your Account.\nThe periodic rate applicable to your account as of October 1, 2020 was .0253150% (corresponding ANNUAL PERCENTAGE RATE\n9.24%). The periodic rate that will be applied to the balances in your Account is a variable rate based on the value of an index.\nThe index is the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Wall Street Journal, Eastern Edition, on the 25th day of each month (or\nthe next day that the Wall Street Journal is published if it is not published on the 25th day of the applicable month). Your ANNUAL\nPERCENTAGE RATE will be such prime rate plus 5.99%. Your daily periodic rate will be such ANNUAL PERCENTAGE RATE\ndivided by the number of days in the year. Any change in the periodic rate will be effective on the 1st day of your next billing cycle\nbeginning after the first day of the next calendar month. The interest rate applied to your Account will increase if the Prime Rate\nincreases. Any increase in the periodic rate may increase the number of payments required to pay your Account balance in full, and\nmay cause your minimum payment to increase. Your daily periodic rate will not exceed .0410958% (15% ANNUAL PERCENTAGE\nRATE).\nFor all cards, your FINANCE CHARGE is based upon the average daily balance in your Account for the number of days in the billing\ncycle. The average daily balance in your Account is determined by taking the beginning balance in your Account each day, adding\nany new Purchases, Balance Transfers, and Cash Advances and subtracting any payment or credits. This gives us the daily balance.\nThen we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The FINANCE CHARGE is determined by multiplying the average daily balance by the daily periodic\nrate, and then by multiplying that product by the number of days in the billing cycle.\n\n\x0c11. Other Charges. None.\n12. Annual Maintenance Charge. You agree to pay an Annual Maintenance Charge for your VISA Account as follows:\nVISA Transparent - $0.00.\nExcept as otherwise provided by law, your Annual Maintenance Charge is not refundable and will be charged to your Account as a\nPurchase. An Annual Maintenance Charge will be imposed as long as your Account has an unpaid balance.\n13. Default. You will be in default if you fail to make any Minimum Payment or other required payment by the date that it is due.\nYou will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy\nor become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right\nto demand immediate payment of your full Account balance without notice. If immediate payment is demanded, you will continue to\npay FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were\ngiven as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit\nUnion\xe2\x80\x99s collection expenses, including court costs and reasonable attorneys\xe2\x80\x99 fees.\n14. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will\ndo so by sending us a credit slip which we will post to your account. If your credits and payments exceed what you owe us, we will\nhold and apply this credit balance against future purchases, balance transfers, and Cash Advances, or, if it is $1.00 or more, refund\nit on your written request.\n15. Amendment to Agreement. We may amend this Agreement at any time upon such notice as is required by applicable law.\nUnless the law otherwise provides, notice of amendment shall be mailed or delivered to you at least 15 days prior to the effective\ndate of a change. Any amendments (including amendment of interest rate, interest rate formula or fees) will apply not only to future\ntransactions, but also to all Account balances outstanding on and after the effective date of the change.\n16. Foreign Transactions. To the extent that you have used your VISA card to purchase goods or services, or obtain cash in another\ncountry, your statement may reflect the conversion into U.S. dollars of transactions which occurred initially in a different currency.\nCurrently, VISA U.S.A. regulations provide that the exchange rate is either (1) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives, or\n(2) the government-mandated rate in effect for the applicable central processing date.\n17. Plan Merchant Disputes. Except as provided by law, we are not responsible for the refusal of any plan merchant or financial\ninstitution to honor your Card. For a statement of your billing rights and our obligations with respect to disputes with plan merchants,\nsee the statement: \xe2\x80\x9cYOUR BILLING RIGHTS,\xe2\x80\x9d which forms a part of this Agreement and disclosure.\n18. Agreement. This Agreement is the contract which applies to all transactions on your Account even though the Purchase slips,\nCash Advance slips, balance transfer requests, credit or other slips you sign or receive may contain different terms. We may assign\nour rights under this Agreement. If we do, any amounts due on your Account shall belong to our assignee.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\n20. Statements and Notices. You will receive a statement each month showing transactions on your Account. Statements and\nnotices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n21. Closing or Suspending Your Account. You may contact a member service representative to close your Account. Truliant may\nclose or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or suspend\nyour Account for any reason, you must stop using your Card but you must still pay us all amounts you owe on the Account.\nSecurity Interest \xe2\x80\x93 You grant us a security interest in all individual and joint share and/or deposit accounts you have with\nus now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security interest\nyou have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you\nare in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have\nan unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nYou are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and\nyou intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods\nwhen you are a covered borrower under the Military Lending Act.\n\n\x0cYOUR BILLING RIGHTS\nKEEP THIS DOCUMENT\nFOR 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:\nTruliant Federal Credit Union\nAttn: Billing Rights Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\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 believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you 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\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 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 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\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 amount.\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 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 you do\nnot 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\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed 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 that\naccesses 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:\nTruliant Federal Credit Union\nAttn: Visa Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nTRAVEL ACCIDENT INSURANCE DESCRIPTION OF COVERAGE\nPrincipal Sum(s) Enrolled: Visa Credit Card:\nBenefit Amount, $250,000\nTHIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT\nONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS\nThis Description of Coverage is provided to eligible cardholders, and replaces any and all Descriptions of Coverage previously\nissued to the insured with respect to insurance described herein.\nEligibility and Period of Coverage\nYou and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered card\naccount (\xe2\x80\x9cCovered Persons\xe2\x80\x9d). It is not necessary to notify the Financial Institution, the Insurance Company or Plan Administrator\nwhen tickets are purchased. Coverage ends when the policy is terminated or on the date your covered card terminates or ceases\nto be in good standing, whichever occurs first.\n\n\x0cBenefits\nSubject to the terms and conditions, if a Covered Person\xe2\x80\x99s accidental bodily injury occurs while on a Covered Trip and results in any\nof the following Losses within one year after the date of the accident, the Insurance Company will pay the following percentage of the\nPrincipal Sum for accidental Loss of:\nLife................................................................................. 100%\nBoth hands or both feet................................................ 100%\nSight of both eyes......................................................... 100%\nOne hand and one foot................................................. 100%\nSpeech and hearing...................................................... 100%\nOne hand or one foot and the sight of one eye............ 100%\nOne hand or one foot...................................................... 50%\nSight of one eye.............................................................. 50%\nSpeech or hearing........................................................... 50%\nThumb and index finger on the same hand.................... 25%\nIn no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one Loss sustained by a\nCovered Person as a result of any one accident. The maximum amount payable for all losses due to the same accident is the Principal\nSum.\nLoss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable Loss of\nsight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index fingers. The\nlife benefit provides coverage in the event of a Covered Person\xe2\x80\x99s death. If a Covered Person\xe2\x80\x99s body has not been found within one year of\ndisappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was covered as a passenger, then\nit shall be presumed, subject to all other provisions and conditions of this coverage, the Covered Person suffered Loss of life.\nInjury means bodily injury resulting directly and independently of all other causes from an accident which occurs while the Covered\nPerson is covered under this policy.\nCovered Trip means a trip (a) while Covered Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew\nmember, and (b) charged to your covered card, and (c) that begins and ends at the places designated on the ticket purchased for the trip.\nCovered Trip will also include travel on a Common Carrier (excluding aircraft) directly to, from or at any Common Carrier terminal, which\ntravel immediately precedes departure to or follows arrival at the designation designated on the ticket purchased for the Covered Trip.\nCommon Carrier means any scheduled airline, land or water conveyance licensed for transportation of passengers for hire.\nCommon Carrier does not include a conveyance operated for sport, recreation, and/or sightseeing activities or for any travel in any aircraft\ndevice for aerial navigation except as expressly provided in the policy.\nExclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide or\nintentionally self-inflicting injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except as a\nfare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an established\nroute; or (d) war or act of war, whether declared or undeclared.\nBeneficiary: Benefit of Loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits are\npayable to you.\nNotice of Claim: Written Notice of claim, including your name and policy number VTA00015 should be mailed to the Plan Administrator\nwithin 20 days of a covered Loss or as soon as reasonably possible. The Plan Administrator will send the claimant forms for filing proof\nof Loss.\nThe Cost: This travel insurance is purchased for you by your Financial Institution.\nDescription of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has been\nestablished for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions of the plan\nare in the master policy, VTA00015, issued to the Visa USA Trust, Chicago, IL which is effective 4/1/03. Any difference between the policy\nand this description will be settled according to the provisions of the policy.\nQuestions: Answers to specific questions can be obtained by writing to the Plan Administrator:\nCBSI Enhancement Services\n550 Mamaroneck Avenue\nHarrison, NY 10528\nUnderwritten by: Virginia Surety Company, Inc., 1000 N. Milwaukee Avenue, Glenview, IL 60025\nGeneral Program Provisions, Travel Accident Insurance:\nTravel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred to as\n\xe2\x80\x9cthe Company\xe2\x80\x9d). We reserve the right to change the benefits and features of all these programs.\nVISA USA or the Company can cancel or choose not to renew the insurance coverages for all insureds. If this happens, your Financial\nInstitution will notify the Cardholder at least 30 days in advance of the expiration of the policy. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefits will still apply\nto Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage\nare met. Travel Accident Insurance does not apply if your Card privileges have been suspended or cancelled. However, Insurance benefits\nwill still apply to Covered Trips commenced prior to the date that your account is suspended or cancelled provided all other terms and\nconditions of coverage are met.\nCoverage will be void if, at any time, the Cardholder has concealed or misrepresented any material fact or circumstance concerning the\ncoverage or the subject thereof of the Cardholder\xe2\x80\x99s interest herein, or in the case of any fraud or false swearing by the Insured relating\nthereto. No person or entity other than the Cardholder shall have any legal or equitable right, remedy, or claim for insurance proceeds\nand/or damages under or arising out of this coverage.\nNo action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of Loss has been\nfurnished in accordance with the requirements of this Description of Coverage.\nThe Company, at its expense, has the right to have you examined, as often as reasonably necessary while a claim is pending. The\nCompany may also have an autopsy made unless prohibited by law.\n1\nYour spouse, unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated child. Incapacitated\nchild means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap, and chiefly dependent\non you for support and maintenance. The maximum benefit payable for dependent children is the Principal Sum, not to exceed $500,000.\n\n\x0c'


b'Truliant Federal Credit Union\n\n492200\n\nVISA TRANSPARENT\n\xc2\xae\n\nVISA TRANSPARENT\n\nAccount Opening Disclosure\nand Pricing Information\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases, Balance Transfers, and\nCash Advances\n\n3.90% introductory APR for the first\nsix months that your Account is open.\nAfter that, your variable APR will be:\n\n9.24%\n\nThis APR will vary with the market based\non the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\nCREDIT CARD AGREEMENT\nNOTICE: See \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d section for important\ninformation regarding your rights to dispute billing errors.\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the card or who\nsign this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card and any duplicates and renewals we issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card Line of Credit Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means\nthis Credit Union.\n(Continued on next page)\n492200 (10/01/2020)\n\n\x0c1. Using the Card. You may use the Card issued to you to make purchases in person, online, and by mail or telephone from merchants and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions participating in the VISA program and from automated teller machines (ATMs), such as VISA ATM Network, that provide\naccess to the VISA system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to\nobtain a Cash Advance from an ATM. The monthly statement will identify the merchant, electronic terminal or financial institution at\nwhich transactions were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement. You should\nretain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may\nmake a reasonable charge for photocopies of slips you request. You may not use your card for any transaction that is illegal under\napplicable federal, state or local law.\n2. Responsibility. If we issue you a Card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the Card\nand the Card Account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also\nresponsible for charges made by anyone else to whom you give the Card and this responsibility continues until the Card is recovered.\nYou cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request and destroy\nor return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court\njudgement to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person using\nthe Card is jointly responsible with you for charges he or she makes, but if that person signs the Card he or she becomes a party to\nthis Agreement and is also jointly responsible for all charges on the Account, including yours.\n3. Military Lending Act. If you are a covered borrower under regulations related to the Military Lending Act, federal law provides\nimportant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account). Please call us at 1-855-878-0499 to receive oral disclosures.\n4. Convenience Checks. We may supply you with personalized Convenience Checks which may be used to obtain Cash Advances\non your VISA Account. Only the person whose name is printed on a Convenience Check may sign it. The following other conditions\napply to the use of Convenience Checks: (a) you may not use one to make a payment on any obligation to the Credit Union, (b) it\nmust be written for only U.S. dollars, (c) it cannot be postdated (show a future date), (d) it cannot be certified, (e) it will not be honored\nif you are in default to the Credit Union under this agreement or any other agreement with the Credit Union, (f) it cannot be for an\namount greater than the remaining credit available in your Credit Line, and (g) it will not be honored if it has been reported lost or\nstolen. The Credit Union will have no liability for failure to honor a check for any of the foregoing reasons. Any Convenience Check\nthat the Credit Union pays will be treated as a Cash Advance for your Account.\n5. Lost Card Notification. If you believe the Card has been lost or stolen, you will immediately call the Credit Union at 800-822-0382\nor 800-442-4757.\n6. Liability for Unauthorized Use. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft, or possible unauthorized use. In\nany case, your liability will not exceed $50.00 for unauthorized cash advances at ATM\xe2\x80\x99s. You will have no liability for unauthorized\npurchases made with your card.\n7. Credit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its amount\nwhen we issue the Card. You agree not to let the Account balance exceed this approved Credit Line. Each payment you make on\nthe Account will restore your Credit Line by the amount of the payment which is applied to principal. You may request an increase in\nyour Credit Line only by written application to us, which must be approved by us. By giving you written notice we may reduce your\nCredit Line from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure\nto comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any\ntime, but termination by either of us does not affect your obligation to pay the Account balance. All Cards remain our property and\nyou must recover and surrender to us all Cards upon our request and upon termination of this Agreement.\n8. Credit Information. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account and\nyou authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by applicable law.\n9. Monthly Payment. We will mail you a statement each month showing your previous balances of Purchases, Balance Transfers,\nand Cash Advances, current transactions on your Account, the Minimum Payment required, and other information. Each month you\nmust pay at least the Minimum Payment within 25 days of your statement closing date. You may, of course, pay more frequently, pay\nmore than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the FINANCE CHARGE by doing so. Your\nMinimum Payment will be either (a) 2% of your Total New Balance, or $20.00, whichever is greater, or (b) your Total New Balance if\nit is less than $20.00. In addition, you must pay any portion of the Minimum Payment(s) shown on prior statement(s) which remain\nunpaid. If at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand.\nUnless you otherwise instruct, we may apply your payments in such manner as we may elect.\n10. Finance Charges. A FINANCE CHARGE will be imposed on all outstanding balances in your Account from the time they are\nposted to your Account; however, you can avoid FINANCE CHARGES on Purchases by paying the full amount of the New Balance\nof Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases will be subject\nto a FINANCE CHARGE. Cash Advances and balance transfers are always subject to FINANCE CHARGE from the date that they\nare posted to your Account.\nThe periodic rate applicable to your account as of October 1, 2020 was .0253150% (corresponding ANNUAL PERCENTAGE RATE\n9.24%). The periodic rate that will be applied to the balances in your Account is a variable rate based on the value of an index.\nThe index is the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Wall Street Journal, Eastern Edition, on the 25th day of each month (or\nthe next day that the Wall Street Journal is published if it is not published on the 25th day of the applicable month). Your ANNUAL\nPERCENTAGE RATE will be such prime rate plus 5.99%. Your daily periodic rate will be such ANNUAL PERCENTAGE RATE\ndivided by the number of days in the year. Any change in the periodic rate will be effective on the 1st day of your next billing cycle\nbeginning after the first day of the next calendar month. The interest rate applied to your Account will increase if the Prime Rate\nincreases. Any increase in the periodic rate may increase the number of payments required to pay your Account balance in full, and\nmay cause your minimum payment to increase. Your daily periodic rate will not exceed .0410958% (15% ANNUAL PERCENTAGE\nRATE).\nFor all cards, your FINANCE CHARGE is based upon the average daily balance in your Account for the number of days in the billing\ncycle. The average daily balance in your Account is determined by taking the beginning balance in your Account each day, adding\nany new Purchases, Balance Transfers, and Cash Advances and subtracting any payment or credits. This gives us the daily balance.\nThen we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The FINANCE CHARGE is determined by multiplying the average daily balance by the daily periodic\nrate, and then by multiplying that product by the number of days in the billing cycle.\n\n\x0c11. Other Charges. None.\n12. Annual Maintenance Charge. You agree to pay an Annual Maintenance Charge for your VISA Account as follows:\nVISA Transparent - $0.00.\nExcept as otherwise provided by law, your Annual Maintenance Charge is not refundable and will be charged to your Account as a\nPurchase. An Annual Maintenance Charge will be imposed as long as your Account has an unpaid balance.\n13. Default. You will be in default if you fail to make any Minimum Payment or other required payment by the date that it is due.\nYou will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy\nor become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right\nto demand immediate payment of your full Account balance without notice. If immediate payment is demanded, you will continue to\npay FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were\ngiven as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit\nUnion\xe2\x80\x99s collection expenses, including court costs and reasonable attorneys\xe2\x80\x99 fees.\n14. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will\ndo so by sending us a credit slip which we will post to your account. If your credits and payments exceed what you owe us, we will\nhold and apply this credit balance against future purchases, balance transfers, and Cash Advances, or, if it is $1.00 or more, refund\nit on your written request.\n15. Amendment to Agreement. We may amend this Agreement at any time upon such notice as is required by applicable law.\nUnless the law otherwise provides, notice of amendment shall be mailed or delivered to you at least 15 days prior to the effective\ndate of a change. Any amendments (including amendment of interest rate, interest rate formula or fees) will apply not only to future\ntransactions, but also to all Account balances outstanding on and after the effective date of the change.\n16. Foreign Transactions. To the extent that you have used your VISA card to purchase goods or services, or obtain cash in another\ncountry, your statement may reflect the conversion into U.S. dollars of transactions which occurred initially in a different currency.\nCurrently, VISA U.S.A. regulations provide that the exchange rate is either (1) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives, or\n(2) the government-mandated rate in effect for the applicable central processing date.\n17. Plan Merchant Disputes. Except as provided by law, we are not responsible for the refusal of any plan merchant or financial\ninstitution to honor your Card. For a statement of your billing rights and our obligations with respect to disputes with plan merchants,\nsee the statement: \xe2\x80\x9cYOUR BILLING RIGHTS,\xe2\x80\x9d which forms a part of this Agreement and disclosure.\n18. Agreement. This Agreement is the contract which applies to all transactions on your Account even though the Purchase slips,\nCash Advance slips, balance transfer requests, credit or other slips you sign or receive may contain different terms. We may assign\nour rights under this Agreement. If we do, any amounts due on your Account shall belong to our assignee.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\n20. Statements and Notices. You will receive a statement each month showing transactions on your Account. Statements and\nnotices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n21. Closing or Suspending Your Account. You may contact a member service representative to close your Account. Truliant may\nclose or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or suspend\nyour Account for any reason, you must stop using your Card but you must still pay us all amounts you owe on the Account.\nSecurity Interest \xe2\x80\x93 You grant us a security interest in all individual and joint share and/or deposit accounts you have with\nus now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security interest\nyou have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you\nare in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have\nan unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nYou are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and\nyou intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods\nwhen you are a covered borrower under the Military Lending Act.\n\n\x0cYOUR BILLING RIGHTS\nKEEP THIS DOCUMENT\nFOR 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:\nTruliant Federal Credit Union\nAttn: Billing Rights Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\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 believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you 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\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 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 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\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 amount.\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 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 you do\nnot 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\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed 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 that\naccesses 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:\nTruliant Federal Credit Union\nAttn: Visa Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nTRAVEL ACCIDENT INSURANCE DESCRIPTION OF COVERAGE\nPrincipal Sum(s) Enrolled: Visa Credit Card:\nBenefit Amount, $250,000\nTHIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT\nONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS\nThis Description of Coverage is provided to eligible cardholders, and replaces any and all Descriptions of Coverage previously\nissued to the insured with respect to insurance described herein.\nEligibility and Period of Coverage\nYou and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered card\naccount (\xe2\x80\x9cCovered Persons\xe2\x80\x9d). It is not necessary to notify the Financial Institution, the Insurance Company or Plan Administrator\nwhen tickets are purchased. Coverage ends when the policy is terminated or on the date your covered card terminates or ceases\nto be in good standing, whichever occurs first.\n\n\x0cBenefits\nSubject to the terms and conditions, if a Covered Person\xe2\x80\x99s accidental bodily injury occurs while on a Covered Trip and results in any\nof the following Losses within one year after the date of the accident, the Insurance Company will pay the following percentage of the\nPrincipal Sum for accidental Loss of:\nLife................................................................................. 100%\nBoth hands or both feet................................................ 100%\nSight of both eyes......................................................... 100%\nOne hand and one foot................................................. 100%\nSpeech and hearing...................................................... 100%\nOne hand or one foot and the sight of one eye............ 100%\nOne hand or one foot...................................................... 50%\nSight of one eye.............................................................. 50%\nSpeech or hearing........................................................... 50%\nThumb and index finger on the same hand.................... 25%\nIn no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one Loss sustained by a\nCovered Person as a result of any one accident. The maximum amount payable for all losses due to the same accident is the Principal\nSum.\nLoss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable Loss of\nsight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index fingers. The\nlife benefit provides coverage in the event of a Covered Person\xe2\x80\x99s death. If a Covered Person\xe2\x80\x99s body has not been found within one year of\ndisappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was covered as a passenger, then\nit shall be presumed, subject to all other provisions and conditions of this coverage, the Covered Person suffered Loss of life.\nInjury means bodily injury resulting directly and independently of all other causes from an accident which occurs while the Covered\nPerson is covered under this policy.\nCovered Trip means a trip (a) while Covered Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew\nmember, and (b) charged to your covered card, and (c) that begins and ends at the places designated on the ticket purchased for the trip.\nCovered Trip will also include travel on a Common Carrier (excluding aircraft) directly to, from or at any Common Carrier terminal, which\ntravel immediately precedes departure to or follows arrival at the designation designated on the ticket purchased for the Covered Trip.\nCommon Carrier means any scheduled airline, land or water conveyance licensed for transportation of passengers for hire.\nCommon Carrier does not include a conveyance operated for sport, recreation, and/or sightseeing activities or for any travel in any aircraft\ndevice for aerial navigation except as expressly provided in the policy.\nExclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide or\nintentionally self-inflicting injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except as a\nfare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an established\nroute; or (d) war or act of war, whether declared or undeclared.\nBeneficiary: Benefit of Loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits are\npayable to you.\nNotice of Claim: Written Notice of claim, including your name and policy number VTA00015 should be mailed to the Plan Administrator\nwithin 20 days of a covered Loss or as soon as reasonably possible. The Plan Administrator will send the claimant forms for filing proof\nof Loss.\nThe Cost: This travel insurance is purchased for you by your Financial Institution.\nDescription of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has been\nestablished for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions of the plan\nare in the master policy, VTA00015, issued to the Visa USA Trust, Chicago, IL which is effective 4/1/03. Any difference between the policy\nand this description will be settled according to the provisions of the policy.\nQuestions: Answers to specific questions can be obtained by writing to the Plan Administrator:\nCBSI Enhancement Services\n550 Mamaroneck Avenue\nHarrison, NY 10528\nUnderwritten by: Virginia Surety Company, Inc., 1000 N. Milwaukee Avenue, Glenview, IL 60025\nGeneral Program Provisions, Travel Accident Insurance:\nTravel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred to as\n\xe2\x80\x9cthe Company\xe2\x80\x9d). We reserve the right to change the benefits and features of all these programs.\nVISA USA or the Company can cancel or choose not to renew the insurance coverages for all insureds. If this happens, your Financial\nInstitution will notify the Cardholder at least 30 days in advance of the expiration of the policy. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefits will still apply\nto Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage\nare met. Travel Accident Insurance does not apply if your Card privileges have been suspended or cancelled. However, Insurance benefits\nwill still apply to Covered Trips commenced prior to the date that your account is suspended or cancelled provided all other terms and\nconditions of coverage are met.\nCoverage will be void if, at any time, the Cardholder has concealed or misrepresented any material fact or circumstance concerning the\ncoverage or the subject thereof of the Cardholder\xe2\x80\x99s interest herein, or in the case of any fraud or false swearing by the Insured relating\nthereto. No person or entity other than the Cardholder shall have any legal or equitable right, remedy, or claim for insurance proceeds\nand/or damages under or arising out of this coverage.\nNo action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of Loss has been\nfurnished in accordance with the requirements of this Description of Coverage.\nThe Company, at its expense, has the right to have you examined, as often as reasonably necessary while a claim is pending. The\nCompany may also have an autopsy made unless prohibited by law.\n1\nYour spouse, unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated child. Incapacitated\nchild means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap, and chiefly dependent\non you for support and maintenance. The maximum benefit payable for dependent children is the Principal Sum, not to exceed $500,000.\n\n\x0c'


b'Truliant Federal Credit Union\n\n491020\n\nVISA TRANSPARENT\n\xc2\xae\n\nAccount Opening Disclosure and\nPricing Information\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases, Balance Transfers, and\nCash Advances\n\n8.15%\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based\non the Prime Rate.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\n\nCREDIT CARD AGREEMENT\nNOTICE: See \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d section for important\ninformation regarding your rights to dispute billing errors.\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the card or who\nsign this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card and any duplicates and renewals we issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card Line of Credit Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means\nthis Credit Union.\n(Continued on next page)\n491020 (10/01/2020)\n\n\x0c1. Using the Card. You may use the Card issued to you to make purchases in person, online, and by mail or telephone from merchants and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions participating in the VISA program and from automated teller machines (ATMs), such as VISA ATM Network, that provide\naccess to the VISA system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to\nobtain a Cash Advance from an ATM. The monthly statement will identify the merchant, electronic terminal or financial institution at\nwhich transactions were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement. You should\nretain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may\nmake a reasonable charge for photocopies of slips you request. You may not use your card for any transaction that is illegal under\napplicable federal, state or local law.\n2. Responsibility. If we issue you a Card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the Card\nand the Card Account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also\nresponsible for charges made by anyone else to whom you give the Card and this responsibility continues until the Card is recovered.\nYou cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request and destroy\nor return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court\njudgement to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person using\nthe Card is jointly responsible with you for charges he or she makes, but if that person signs the Card he or she becomes a party to\nthis Agreement and is also jointly responsible for all charges on the Account, including yours.\n3. Military Lending Act. If you are a covered borrower under regulations related to the Military Lending Act, federal law provides\nimportant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account). Please call us at 1-855-878-0499 to receive oral disclosures.\n4. Convenience Checks. We may supply you with personalized Convenience Checks which may be used to obtain Cash Advances\non your VISA Account. Only the person whose name is printed on a Convenience Check may sign it. The following other conditions\napply to the use of Convenience Checks: (a) you may not use one to make a payment on any obligation to the Credit Union, (b) it\nmust be written for only U.S. dollars, (c) it cannot be postdated (show a future date), (d) it cannot be certified, (e) it will not be honored\nif you are in default to the Credit Union under this agreement or any other agreement with the Credit Union, (f) it cannot be for an\namount greater than the remaining credit available in your Credit Line, and (g) it will not be honored if it has been reported lost or\nstolen. The Credit Union will have no liability for failure to honor a check for any of the foregoing reasons. Any Convenience Check\nthat the Credit Union pays will be treated as a Cash Advance for your Account.\n5. Lost Card Notification. If you believe the Card has been lost or stolen, you will immediately call the Credit Union at 800-822-0382\nor 800-442-4757.\n6. Liability for Unauthorized Use. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft, or possible unauthorized use. In\nany case, your liability will not exceed $50.00 for unauthorized cash advances at ATM\xe2\x80\x99s. You will have no liability for unauthorized\npurchases made with your card.\n7. Credit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its amount\nwhen we issue the Card. You agree not to let the Account balance exceed this approved Credit Line. Each payment you make on\nthe Account will restore your Credit Line by the amount of the payment which is applied to principal. You may request an increase in\nyour Credit Line only by written application to us, which must be approved by us. By giving you written notice we may reduce your\nCredit Line from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure\nto comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any\ntime, but termination by either of us does not affect your obligation to pay the Account balance. All Cards remain our property and\nyou must recover and surrender to us all Cards upon our request and upon termination of this Agreement.\n8. Credit Information. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account and\nyou authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by applicable law.\n9. Monthly Payment. We will mail you a statement each month showing your previous balances of Purchases, Balance Transfers,\nand Cash Advances, current transactions on your Account, the Minimum Payment required, and other information. Each month you\nmust pay at least the Minimum Payment within 25 days of your statement closing date. You may, of course, pay more frequently, pay\nmore than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the FINANCE CHARGE by doing so. Your\nMinimum Payment will be either (a) 2% of your Total New Balance, or $20.00, whichever is greater, or (b) your Total New Balance if\nit is less than $20.00. In addition, you must pay any portion of the Minimum Payment(s) shown on prior statement(s) which remain\nunpaid. If at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand.\nUnless you otherwise instruct, we may apply your payments in such manner as we may elect.\n10. Finance Charges. A FINANCE CHARGE will be imposed on all outstanding balances in your Account from the time they are\nposted to your Account; however, you can avoid FINANCE CHARGES on Purchases by paying the full amount of the New Balance\nof Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases will be subject\nto a FINANCE CHARGE. Cash Advances and balance transfers are always subject to FINANCE CHARGE from the date that they\nare posted to your Account.\nThe periodic rate applicable to your account as of October 1, 2020 was .0223287% (corresponding ANNUAL PERCENTAGE RATE\n8.15%). The periodic rate that will be applied to the balances in your Account is a variable rate based on the value of an index.\nThe index is the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the Wall Street Journal, Eastern Edition, on the 25th day of each month (or\nthe next day that the Wall Street Journal is published if it is not published on the 25th day of the applicable month). Your ANNUAL\nPERCENTAGE RATE will be such prime rate plus 4.9%. Your daily periodic rate will be such ANNUAL PERCENTAGE RATE\ndivided by the number of days in the year. Any change in the periodic rate will be effective on the 1st day of your next billing cycle\nbeginning after the first day of the next calendar month. The interest rate applied to your Account will increase if the Prime Rate\nincreases. Any increase in the periodic rate may increase the number of payments required to pay your Account balance in full, and\nmay cause your minimum payment to increase. Your daily periodic rate will not exceed .0410958% (15% ANNUAL PERCENTAGE\nRATE).\nFor all cards, your FINANCE CHARGE is based upon the average daily balance in your Account for the number of days in the billing\ncycle. The average daily balance in your Account is determined by taking the beginning balance in your Account each day, adding\nany new Purchases, Balance Transfers, and Cash Advances and subtracting any payment or credits. This gives us the daily balance.\nThen we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The FINANCE CHARGE is determined by multiplying the average daily balance by the daily periodic\nrate, and then by multiplying that product by the number of days in the billing cycle.\n\n\x0c11. Other Charges. None.\n12. Annual Maintenance Charge. You agree to pay an Annual Maintenance Charge for your VISA Account as follows:\nVISA Classic - $0.00.\nExcept as otherwise provided by law, your Annual Maintenance Charge is not refundable and will be charged to your Account as a\nPurchase. An Annual Maintenance Charge will be imposed as long as your Account has an unpaid balance.\n13. Default. You will be in default if you fail to make any Minimum Payment or other required payment by the date that it is due.\nYou will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy\nor become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right\nto demand immediate payment of your full Account balance without notice. If immediate payment is demanded, you will continue to\npay FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were\ngiven as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit\nUnion\xe2\x80\x99s collection expenses, including court costs and reasonable attorneys\xe2\x80\x99 fees.\n14. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will\ndo so by sending us a credit slip which we will post to your account. If your credits and payments exceed what you owe us, we will\nhold and apply this credit balance against future purchases, balance transfers, and Cash Advances, or, if it is $1.00 or more, refund\nit on your written request.\n15. Amendment to Agreement. We may amend this Agreement at any time upon such notice as is required by applicable law.\nUnless the law otherwise provides, notice of amendment shall be mailed or delivered to you at least 15 days prior to the effective\ndate of a change. Any amendments (including amendment of interest rate, interest rate formula or fees) will apply not only to future\ntransactions, but also to all Account balances outstanding on and after the effective date of the change.\n16. Foreign Transactions. To the extent that you have used your VISA card to purchase goods or services, or obtain cash in another\ncountry, your statement may reflect the conversion into U.S. dollars of transactions which occurred initially in a different currency.\nCurrently, VISA U.S.A. regulations provide that the exchange rate is either (1) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives, or\n(2) the government-mandated rate in effect for the applicable central processing date.\n17. Plan Merchant Disputes. Except as provided by law, we are not responsible for the refusal of any plan merchant or financial\ninstitution to honor your Card. For a statement of your billing rights and our obligations with respect to disputes with plan merchants,\nsee the statement: \xe2\x80\x9cYOUR BILLING RIGHTS,\xe2\x80\x9d which forms a part of this Agreement and disclosure.\n18. Agreement. This Agreement is the contract which applies to all transactions on your Account even though the Purchase slips,\nCash Advance slips, balance transfer requests, credit or other slips you sign or receive may contain different terms. We may assign\nour rights under this Agreement. If we do, any amounts due on your Account shall belong to our assignee.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\n20. Statements and Notices. You will receive a statement each month showing transactions on your Account. Statements and\nnotices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n21. Closing or Suspending Your Account. You may contact a member service representative to close your Account. Truliant may\nclose or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or suspend\nyour Account for any reason, you must stop using your Card but you must still pay us all amounts you owe on the Account.\nSecurity Interest \xe2\x80\x93 You grant us a security interest in all individual and joint share and/or deposit accounts you have with\nus now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security interest\nyou have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you\nare in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have\nan unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nYou are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and\nyou intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods\nwhen you are a covered borrower under the Military Lending Act.\n\n\x0cYOUR BILLING RIGHTS\nKEEP THIS DOCUMENT\nFOR 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:\nTruliant Federal Credit Union\nAttn: Billing Rights Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\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 believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you 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\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 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 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\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 amount.\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 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 you do\nnot 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\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed 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 that\naccesses 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:\nTruliant Federal Credit Union\nAttn: Visa Department\nP.O. Box 26000\nWinston-Salem, NC 27114-6000\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nTRAVEL ACCIDENT INSURANCE DESCRIPTION OF COVERAGE\nPrincipal Sum(s) Enrolled: Visa Credit Card:\nBenefit Amount, $250,000\nTHIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT\nONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS\nThis Description of Coverage is provided to eligible cardholders, and replaces any and all Descriptions of Coverage previously\nissued to the insured with respect to insurance described herein.\nEligibility and Period of Coverage\nYou and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered card\naccount (\xe2\x80\x9cCovered Persons\xe2\x80\x9d). It is not necessary to notify the Financial Institution, the Insurance Company or Plan Administrator\nwhen tickets are purchased. Coverage ends when the policy is terminated or on the date your covered card terminates or ceases\nto be in good standing, whichever occurs first.\n\n\x0cBenefits\nSubject to the terms and conditions, if a Covered Person\xe2\x80\x99s accidental bodily injury occurs while on a Covered Trip and results in any\nof the following Losses within one year after the date of the accident, the Insurance Company will pay the following percentage of the\nPrincipal Sum for accidental Loss of:\nLife................................................................................. 100%\nBoth hands or both feet................................................ 100%\nSight of both eyes......................................................... 100%\nOne hand and one foot................................................. 100%\nSpeech and hearing...................................................... 100%\nOne hand or one foot and the sight of one eye............ 100%\nOne hand or one foot...................................................... 50%\nSight of one eye.............................................................. 50%\nSpeech or hearing........................................................... 50%\nThumb and index finger on the same hand.................... 25%\nIn no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one Loss sustained by a\nCovered Person as a result of any one accident. The maximum amount payable for all losses due to the same accident is the Principal\nSum.\nLoss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable Loss of\nsight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index fingers. The\nlife benefit provides coverage in the event of a Covered Person\xe2\x80\x99s death. If a Covered Person\xe2\x80\x99s body has not been found within one year of\ndisappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was covered as a passenger, then\nit shall be presumed, subject to all other provisions and conditions of this coverage, the Covered Person suffered Loss of life.\nInjury means bodily injury resulting directly and independently of all other causes from an accident which occurs while the Covered\nPerson is covered under this policy.\nCovered Trip means a trip (a) while Covered Person is riding on a Common Carrier as a passenger and not as a pilot, operator or crew\nmember, and (b) charged to your covered card, and (c) that begins and ends at the places designated on the ticket purchased for the trip.\nCovered Trip will also include travel on a Common Carrier (excluding aircraft) directly to, from or at any Common Carrier terminal, which\ntravel immediately precedes departure to or follows arrival at the designation designated on the ticket purchased for the Covered Trip.\nCommon Carrier means any scheduled airline, land or water conveyance licensed for transportation of passengers for hire.\nCommon Carrier does not include a conveyance operated for sport, recreation, and/or sightseeing activities or for any travel in any aircraft\ndevice for aerial navigation except as expressly provided in the policy.\nExclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide or\nintentionally self-inflicting injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except as a\nfare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an established\nroute; or (d) war or act of war, whether declared or undeclared.\nBeneficiary: Benefit of Loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits are\npayable to you.\nNotice of Claim: Written Notice of claim, including your name and policy number VTA00015 should be mailed to the Plan Administrator\nwithin 20 days of a covered Loss or as soon as reasonably possible. The Plan Administrator will send the claimant forms for filing proof\nof Loss.\nThe Cost: This travel insurance is purchased for you by your Financial Institution.\nDescription of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has been\nestablished for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions of the plan\nare in the master policy, VTA00015, issued to the Visa USA Trust, Chicago, IL which is effective 4/1/03. Any difference between the policy\nand this description will be settled according to the provisions of the policy.\nQuestions: Answers to specific questions can be obtained by writing to the Plan Administrator:\nCBSI Enhancement Services\n550 Mamaroneck Avenue\nHarrison, NY 10528\nUnderwritten by: Virginia Surety Company, Inc., 1000 N. Milwaukee Avenue, Glenview, IL 60025\nGeneral Program Provisions, Travel Accident Insurance:\nTravel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred to as\n\xe2\x80\x9cthe Company\xe2\x80\x9d). We reserve the right to change the benefits and features of all these programs.\nVISA USA or the Company can cancel or choose not to renew the insurance coverages for all insureds. If this happens, your Financial\nInstitution will notify the Cardholder at least 30 days in advance of the expiration of the policy. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance benefits will still apply\nto Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage\nare met. Travel Accident Insurance does not apply if your Card privileges have been suspended or cancelled. However, Insurance benefits\nwill still apply to Covered Trips commenced prior to the date that your account is suspended or cancelled provided all other terms and\nconditions of coverage are met.\nCoverage will be void if, at any time, the Cardholder has concealed or misrepresented any material fact or circumstance concerning the\ncoverage or the subject thereof of the Cardholder\xe2\x80\x99s interest herein, or in the case of any fraud or false swearing by the Insured relating\nthereto. No person or entity other than the Cardholder shall have any legal or equitable right, remedy, or claim for insurance proceeds\nand/or damages under or arising out of this coverage.\nNo action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of Loss has been\nfurnished in accordance with the requirements of this Description of Coverage.\nThe Company, at its expense, has the right to have you examined, as often as reasonably necessary while a claim is pending. The\nCompany may also have an autopsy made unless prohibited by law.\n1\nYour spouse, unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated child. Incapacitated\nchild means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap, and chiefly dependent\non you for support and maintenance. The maximum benefit payable for dependent children is the Principal Sum, not to exceed $500,000.\n\n\x0c'