b'statement. You will be in default if you fail to make the\nminimum payment by the statement payment due date. You\nwill also be in default if (a) you breach any other conditions\nof the Agreement (including your agreement not to allow\nyour balance to exceed your credit limit), (b) if we determine\nthat your creditworthiness (which includes your ability\nto repay us) has become unsatisfactory due to change in\nemployment, increase in your other obligations, or because\nof any other reason, or (c) in the event of your death. In\nthe event of any default or in the event this Agreement is\nterminated by you or by us for any reason, the entire balance\non the Account becomes due and payable forthwith. You\nalso agree that, in case of default, you will pay all usual and\ncustomary costs of collection permitted by law, including,\nbut not limited to, attorney fees and expenses incurred by us\nin the enforcement of this agreement.\n14. Credit Information \xe2\x80\x93 You authorize us to investigate\nyour credit standing when opening, renewing or reviewing\nyour Account, and you authorize us to disclose information\nregarding our experience with you under this Agreement to\ncredit bureaus and other creditors.\n15. Effect of Agreement \xe2\x80\x93 This Agreement contains our\ncomplete contract relating to the Account and applies to\nevery transaction relating to the Account even though a sales\nor cash advance draft you sign or a credit slip may contain\ndifferent terms.\n16. Amendment of Agreement \xe2\x80\x93 From time to time, we may\namend this Agreement by giving you written notice of the\namendment at least 45 days before it goes into effect, unless\na shorter notice period is permitted by law or no notice is\nrequired by law. The notice will be sent to your last known\naddress appearing in our records when it is sent, and will\nstate the date upon which the amendment will become\neffective.\n17. Cash Advance by Machine \xe2\x80\x93 If Automated Teller\nMachines (ATMs) or other electronic devices are available\nwhile this Agreement remains in effect which make it\npossible for you to obtain a Cash Advance by use of\nyour Card in such a machine, we will furnish you with a\nconfidential Personal Identification Number (PIN). Your use\nof that number, together with your Card, in getting a Cash\nAdvance from such a machine is agreed to constitute your\nsignature for purposes of such Cash Advance. If you use an\nATM that is not owned by us, you may be charged a fee for\nusing that machine to obtain a cash advance.\n18. Personal Identification Number (PIN) \xe2\x80\x93 Upon request\nwe will furnish you with a Personal Identification Number\n(PIN). You agree to keep the PIN confidential. You also\nagree you won\xe2\x80\x99t write the PIN on the Card or anything you\nkeep with the Card. Your use of the PIN and Card in getting\na Cash Advance or making a Purchase is agreed to constitute\nyour signature for purposes of such transactions. You can\nalso use your card together with your Personal Identification\nNumber (PIN) to get a Cash Advance from an Automated\nTeller Machine (ATM) in the Visa Network or MasterCard\nNetwork, to get a Cash Advance from a Visa/MasterCard\nfinancial institution or make a Purchase from a merchant\nthat uses the Card in an electronic terminal that accesses the\nVisa/MasterCard system.\n19. Credit Union Membership \xe2\x80\x93 You understand and\nagree that the closing of your Credit Union Share Account\nterminates your status as a member of the Credit Union, and\nupon such closing, you can no longer obtain credit with the\nCredit Union Visa Classic/MasterCard.\n20. No Waiver of Rights \xe2\x80\x93 Even though we may have rights\nto take or not take certain action under this Agreement, we\n\nmay decide not to enforce those rights. Our decision not to\nenforce any right we have under this Agreement does not\nmean that we waive that right in the future.\n21. Federal law provides important protections to members\nof the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: The costs associated with\ncredit insurance premium; fees for ancillary products sold\nin connection with the credit transaction; any application\nfee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit\ncard account).\n\nYOUR BILLING RIGHTS \xe2\x80\x93\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities 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\nat:\nMichigan Educational Credit Union\nCredit Card Customer Service\n9200 Haggerty Road\nPlymouth, MI 48170\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\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\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\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report\nyou as delinquent if you do not pay the amount we think\nyou owe.\n\nVisa Classic & MasterCard\nCredit Card Disclosure\nAnd Agreement\n(Effective 10/1/17)\n\nIf you receive our explanation but still believe your bill\nis wrong, you must write to us within 10 days telling us\nthat you still refuse to pay. If you do so, we cannot report\nyou as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing at:\nMichigan Educational Credit Union\nCredit Card Customer Service\n9200 Haggerty Road\nPlymouth, MI 48170\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may\nreport you as delinquent.\nThe Federal Equal Credit Opportunity Act prohibits\ncreditors from discriminating against credit applicants on\nthe basis of race, color, religion, national origin, sex, marital\nstatus, age (provided that the applicant has the capacity\nto enter into a binding contract); because all or part of the\napplicant\xe2\x80\x99s income derives from any public assistance\nprogram; or because the applicant has in good faith\nexercised any right under the Consumer Credit Protection\nAct. The agency that administers compliance with this law\nconcerning this Credit Union is:\nMichigan Department of Consumer and Industry Services\nOffice of Financial and Insurance Regulation\nP.O. Box 30224, Lansing, MI 48909\n\nWebsite: www.michedcu.org\ne-mail: general@michedcu.org\nOffice Hours (All MECU Locations)\n9:30 a.m. to 5:30 p.m. Monday thru Friday\nMain Office\n9200 Haggerty Road \xe2\x80\xa2 Plymouth, MI 48170\nPhone: (734) 455-9200\nToll-Free Phone: (888) 261-3355\n(Outside Metro Detroit area)\n\nImportant MECU Credit Card Phone Numbers\n24-Hour Credit Card Customer Service\n(866) 820-2945\nLost or Stolen Cards\n(800) 449-7728\n10/17\n\nM-123221\n\n\x0cVisa Classic & MasterCard\nAccount-Opening Disclosures\nINTEREST RATES AND OTHER CHARGES\nAnnual Percentage\nRate (APR) for\nPurchases\nAPR for Balance\nTransfers\nAPR for Cash\nAdvances\n\nPaying Interest\n\n11.90%\n11.90%\n11.90%\nYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you\nany interest on purchases if you\npay your entire balance by the\ndue date each month. We will\nbegin charging interest on cash\nadvances and balance transfers on\nthe transaction date.\n\nMinimum Interest\nCharge\n\nNone\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\n\nTo learn more about factors to\nconsider when applying for\nor using a credit card, visit the\nwebsite of the Consumer Financial\nProtection Bureau at http://www.\nconsumerfinance.gov/learnmore\n\nFEES\nAnnual\nMembership Fee\nTransaction Fees\n\xe2\x80\xa2 Foreign\nTransaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned\nPayment Charge\n\xe2\x80\xa2 Over-the-Credit\nLimit\nOther Fees\n\xe2\x80\xa2 Damaged Card\nReplacement\n\xe2\x80\xa2 Statement Copy\n\xe2\x80\xa2 Draft Copy\n\xe2\x80\xa2 PIN Replacement\n\xe2\x80\xa2 Lost or\nStolen Card\nReplacement\n\nNone\n\n1% of the converted\nU.S. dollar amount\nUp to $20\nNone\nNone\n\n$2 to replace damaged card\n$1 per statement\n$1 per draft\n$2\nNo charge for first, second\nor third occurrence. $50 per\noccurrence beginning with\nfourth occurrence.\n\nHow We Will Calculate Your Balance: We use a method\ncalled \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute\ntransactions and how to exercise those rights is provided in\nyour account agreement.\n\nVisa Classic & MasterCard\nAgreement and Additional Disclosures\nIn this agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have\napplied for the Card or Cards by signing this Agreement.\n\xe2\x80\x9cCard\xe2\x80\x9d means the Visa Classic/MasterCard Credit Card\nor Cards and any duplicates and renewals thereof or\nsubstitutions thereof we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your\nVisa Classic/MasterCard line of credit loan account with us.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to this Credit Union.\nThis Agreement is a Truth-in-Lending Disclosure Statement\nas well as a contract.\n1. Responsibility \xe2\x80\x93 By signing an application, you are\napplying to us for a Visa Classic/MasterCard Credit Card\nline of credit loan. If we approve the loan and issue you a\nCard, you promise to repay all debts and the FINANCE\nCHARGE thereon arising from any authorized use of the\nCard. You agree not to let someone else use the card. If an\napplication is signed by two persons, the Account is joint;\nthat is, each of you, separately and jointly with each other, is\nliable for all debts on the Account and FINANCE CHARGE\nthereon. Your obligation to pay all such debts and FINANCE\nCHARGE thereon continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party may direct that only one of you, or some person\nother than you (or both of you), must pay such debts and\nFINANCE CHARGE.\n2. Credit Line \xe2\x80\x93 If we approve your loan application, we\nwill establish a self-replenishing line of credit for you and\nwill notify you of the amount thereof (\xe2\x80\x9ccredit limit\xe2\x80\x9d) in the\nmailer in which we will send you your Card. That mailer is\nhereby incorporated herein as part of this Agreement. You\nagree not to let your Account Balance exceed such amount.\nEach payment you make on the Account will replenish your\ncredit limit by the part of that payment which is applied to\nprincipal. You may request an increase in the credit limit\nby a written application, which must be approved by us.\nWe may increase or decrease the limit from time to time\nor may, with good cause, revoke your Card and terminate\nthis Agreement. In either event, we will give you written\nnotice of such action when required by law or regulation\nto do so. \xe2\x80\x9cGood Cause\xe2\x80\x9d includes but is not necessarily\nlimited to your failure to satisfy the terms of this agreement\nor our adverse reevaluation of your Credit worthiness.\nIn the event your Visa Classic/MasterCard Credit Line\nis cancelled or revoked due to default, the balance at the\ntime of default may be transferred in-house with the Credit\nUnion and, as a consequence thereof, be included within\nyour LOANLINER/Revolving Credit Agreement for\ncollection at the same rate as set forth in the LOANLINER/\nRevolving Credit Agreement. However, you may terminate\nthis Agreement, at any time and for any reason, by giving\nus written notice. Nevertheless, termination by you or\nby us does not affect your obligation to pay all debts and\nFINANCE CHARGE thereon arising from authorized use\nof your Card. The Cards remain our property and you must\nrecover and surrender to us all Cards upon our request or\nupon termination of this Agreement.\n3. Using the Card \xe2\x80\x93 We will send you a Card or Cards\nembossed as you have directed. As soon as received, each\nCard must be signed (in the space provided on the back) by\nthe person whose name is embossed thereon. That signature\nmust be in the same form as embossed on the front of the\nCard. To make a Purchase or Cash Advance, present the\nCard to a participating Visa/MasterCard plan merchant\nor financial institution, or to us, and sign the sales draft or\n\ncash advance draft which will be imprinted with your Card.\nPlease note that we are not responsible if a particular Visa/\nMasterCard plan merchant or financial institution refuses to\nhonor your Card. You will receive a copy of any draft you\nsign when using the Card which you should retain to verify\nyour monthly statement. We will upon request furnish you\nwith a copy of a draft at a charge of $1.00 per copy; however,\nno charge will be made in cases involving error resolution.\n4. Monthly Payment \xe2\x80\x93 We will mail you a statement every\nmonth showing your Previous Balances of purchases and\ncash advances, the current transactions on your account,\nthe remaining credit available under your Credit Line,\nthe New Balances of purchases and cash advances, the\nTotal New Balance, the FINANCE CHARGE due to date,\nand the Minimum Payment required. Every month you\nmust pay at least the Minimum Payment within 25 days\nof your statement closing date. You may, of course, pay\nmore frequently, pay more than the Minimum Payment, or\npay the Total New Balance in full, and you will reduce the\nFINANCE CHARGE by doing so. The Minimum Payment\nwill be either (a) 3% of your Total New Balance, or $10.00,\nwhichever is greater, or (b) your total New Balance, if it\nis less than $10.00 plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains\nunpaid. In addition, at any time your total New Balance\nexceeds your Credit Line, you must immediately pay the\nexcess upon our demand. We will apply your payments\nfirst to previously billed and unpaid FINANCE CHARGE\non purchases; then to previously billed and unpaid\nFINANCE CHARGE on cash advances; then to previously\nbilled purchases; then to cash advances; and then to new\npurchases, whether or not billed on the monthly statement.\nHowever, any payment equal to, or greater than, the\nPrevious Balance of Purchases will be applied first to that\nbalance and any FINANCE CHARGE thereon so as to avoid\ncontinuing accrual of FINANCE CHARGE on that amount.\n5. Finance Charges \xe2\x80\x93 Your Visa Classic/MasterCard\nAccount will be subject to a FINANCE CHARGE (interest)\nat the periodic rate of .992% per month, which corresponds\nto an ANNUAL PERCENTAGE RATE of 11.90%. The\nFINANCE CHARGE is calculated by applying the above\nperiodic (monthly) rate to the Average Daily Balance\n(including new purchases). An \xe2\x80\x9cAverage Daily Principal\nBalance\xe2\x80\x9d is calculated separately for purchases and cash\nadvances and is determined as follows: For each day during\nthe statement period (billing cycle) the principal balances of\npurchases and of cash advances from the previous day are\nincreased by any purchases or cash advances posted to the\nAccount that day and decreased by any payments or credits\nposted to the Account that day. Such daily principal balances\nare separately totaled and then divided by the number of\ndays in the statement period (billing cycle), resulting in the\n\xe2\x80\x9cAverage Daily Principal Balances\xe2\x80\x9d of purchases and cash\nadvances shown on your statement.\nYou can avoid FINANCE CHARGES on purchases by\npaying the full amount of the New Balance of Purchases\neach month within 25 days of your statement closing date.\nOtherwise, the New Balance of Purchases, and subsequent\npurchases from the date they are posted to your account,\nwill be subject to FINANCE CHARGE. Cash Advances\nbear FINANCE CHARGE from the transaction date until\npaid. There is no free interest period for Cash Advances.\nHowever, you can always keep the FINANCE CHARGE to\na minimum by making payments, whatever the amount, as\npromptly and as often as possible.\n6. Other Charges \xe2\x80\x93 If the required minimum payment due\nunder this Agreement is not paid within 10 days after the\n\npayment due date, you agree to pay the Credit Union a Late\nPayment Fee of $20 or equal to your minimum payment\nif your payment is less than $20. No late charge will be\nimposed after this Agreement has become due and payable\nin full due to default as specified in the section of the\nAgreement entitled \xe2\x80\x9cDefault.\xe2\x80\x9d\nYour account may be subject to other charges including a fee\nof $2.00 for replacement of damaged card(s) and a $1.00 fee\nper copy of statements.\nA charge of $2.00 will be billed to your account for a\nPersonal Identification Number (PIN) replacement.\nThere is no charge to replace a lost or stolen card after the\nfirst, second or third occurrence. A charge of $50.00 per\noccurrence will be billed to your account beginning with the\nfourth occurrence of a lost or stolen card.\n7. Credits \xe2\x80\x93 If merchants who honor your Card give you a\ncredit for returns or adjustments, they will do so by sending\nus a credit slip which we will post to your Account. You\nshould keep your copy of the credit slip to verify your\nmonthly statement. If your credits and payments exceed\nwhat you owe us on the Account we will credit such excess\nto the Account and, if the amount is $1.00 or more, we will\ncredit it to your share account after 6 months or upon your\nwritten request.\n8. Foreign Transactions with Visa Classic \xe2\x80\x93 Purchases and\nCash Advances you make in foreign countries and foreign\ncurrency will be billed to you in U.S. dollars. The conversion\nto U.S. dollars will be calculated based on a governmentmandated rate in effect one day prior to the Processing Date.\nIf you make a charge in a foreign currency, we will charge\nyou a Foreign Transaction Fee of 1% of the converted U.S.\ndollar amount.\n9. Foreign Transactions with MasterCard \xe2\x80\x93 If you effect a\ntransaction with your MasterCard in a currency other than\nU.S. dollars, MasterCard International Incorporated will\nconvert the charge into a U.S. dollar amount. MasterCard\nInternational will use its currency conversion procedure,\nwhich is disclosed to institutions that issue MasterCard.\nCurrently the currency conversion rate used by MasterCard\nInternational to determine the transaction amount in U.S.\ndollars for such transactions is generally either a government\nmandated rate or a wholesale rate determined by\nMasterCard International for the processing cycle in which\nthe transaction is processed, increased by an adjustment\nfactor established from time to time by MasterCard\nInternational. The currency conversion rate used by\nMasterCard International on the processing date may differ\nfrom the rate that would have been used on the purchase\ndate or cardholder statement posting date. If you make a\ncharge in a foreign currency, we will charge you a Foreign\nTransaction Fee of 1% of the converted U.S. dollar amount.\n10. Loss or Theft of Card \xe2\x80\x93 You agree to notify us\nimmediately upon discovering that your Card has been lost\nor stolen. Call 1-800-449-7728.\n11. Liability for Unauthorized Use \xe2\x80\x93 You may be liable\nfor the unauthorized use of your credit card. You will not\nbe liable for unauthorized use that occurs after you notify\nMichigan Educational Credit Union at 9200 Haggerty Road,\nPlymouth, MI 48170, orally or in writing, of the loss, theft, or\npossible unauthorized use. In any case, your liability will not\nexceed $50.00.\n12. Illegal Transactions \xe2\x80\x93 You agree not to use your Card for\nany illegal transactions.\n13. Default \xe2\x80\x93 The Minimum Payment shown on the\nstatement is due by the payment due date as shown on the\n\n\x0c'


b'ARMED FORCES BANK, N.A. UNSECURED CREDIT CARD ACCOUNT-OPENING\nDISCLOSURE STATEMENT\nINTEREST RATES AND INTEREST CHARGES\nANNUAL PERCENTAGE RATE\n(APR) FOR PURCHASES\nAPR FOR BALANCE TRANSFERS\n\n15.60%\n\nAPR FOR CASH ADVANCES\n\n15.60%\n\nPENALTY APR\n\n24.99%\nThis APR may be applied to your account if you Fail to make OR satisfy the required minimum\nmonthly payment within 60 days of the respective due date.\n\nPAYING INTEREST\nFOR CREDIT CARD TIPS FROM\nTHE CONSUMER FINANCIAL\nPROTECTION BUREAU\n\nFEES\n\nANNUAL FEE\nTRANSACTION FEES\n\xef\x82\xa7 BALANCE TRANSFER FEE\n\xef\x82\xa7 CASH ADVANCE FEE\n\xef\x82\xa7 CURRENCY CONVERSION\nTRANSACTION FEE\n\xef\x82\xa7 INTERNATIONAL TRANSACTION FEE\nPENALTY FEES\n\xef\x82\xa7 LATE PAYMENT FEE\n\xef\x82\xa7 RETURNED PAYMENT FEE\n\xef\x82\xa7 OVER THE LIMIT FEE\nOTHER FEES\n\xef\x82\xa7 CARD REPLACEMENT FEE\n\xef\x82\xa7 COPYING FEE\n\xef\x82\xa7 PIN REPLACEMENT FEE\n\xef\x82\xa7 SPECIAL PROCESSING FEE\n\n15.60%\n\nHow Long Will the Penalty APR Apply? : If your APR is increased for either reason, the\nPenalty APR will apply until you make six consecutive minimum payments when due. If you do\nnot make these six consecutive minimum payments, we may keep the Penalty APR on your\naccount indefinitely.\nEach due date will be at least 25 days after the close of each billing cycle. We will not impose\ninterest charges on purchases or balance transfers if you pay your entire balance in full by the due\ndate each month. We will begin charging interest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\nNone\n$2.00\n$5.00 or 2% of amount advanced, whichever is greater\n1.0% of each transaction in U.S. dollars, if currency conversion occurs.\n0.8% of each transaction in U.S. dollars, if no currency conversion occurs.\nUp to $25.00\nUp to $25.00\nNone\n$5.00 per card replaced prior to the normal reissue date.\n$4.00 per-page fee for copies of transaction documents or statements, unless we are required\nto provide them when resolving a billing dispute.\n$2.00\n$35.00 per card for expedited processing and delivery if available and offered.\n\nHow We Will Calculate Your Balance: We use a method called, \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases and balance transfers).\nSee the \xe2\x80\x9cCard Agreement\xe2\x80\x9d for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nThe disclosures above are accurate as of the printing date of March 16, 2019 and are subject to change thereafter.\nPlease contact us for any information on any changes, call 888-929-2265 or by writing us at the following address:\nArmed Forces Bank, N.A.\nAttn: Credit Card Department\nPO Box 26458\nKansas City, MO 64196\n\nRevision dated 3-16-2019\n\n1\n\n\x0cARMED FORCES BANK N.A. UNSECURED CREDIT CARD AGREEMENT\n\nThank you for opening a card account with us. This Armed Forces Bank N.A. Unsecured Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the related documents contain\nthe terms that govern our issuance, and your use, of the card. Please read this Agreement and related documents carefully and keep them for future reference.\nImages of any of these documents can be used instead of the original.\n1) In General.\na) Some Definitions. The meanings of the terms you see in italics appear in Section 5(d). We will also use the following personal pronouns throughout this\nAgreement:\ni) \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyourself\xe2\x80\x9d mean each applicant and co-applicant for the account; any person responsible for paying the account; and anyone else you\nauthorize to use, access, or service the account.\nii) \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cAFB,\xe2\x80\x9d and \xe2\x80\x9cArmed Forces\xe2\x80\x9d mean Armed Forces Bank, National Association, and its agents, authorized representatives,\nsuccessors, and assignees.\nb) Account Information.\ni) We need information about you to manage your account. The information we need includes:\n(1) your legal name;\n(2) a valid U.S. mailing address and residential address (if different);\n(3) your date of birth;\n(4) your social security number or other government identification number;\n(5) your telephone number(s); and\n(6) your employment and income information.\nii) You must tell us when this information changes. Please update your address in the manner provided on your statement. You may also update some of\nthis information by logging onto your account on our website or by calling one of our representatives at the telephone number provided on your\nstatement or on the back of the card. We may require you to provide additional documents that are acceptable to us to verify this information or any\nchanges. We maintain the right to restrict or close your account if your information cannot be verified or if you do not provide additional information\nas requested.\nc) Credit Limits.\ni) On or about the date you received this Agreement, we notified you in writing of your credit limit, which will also appear on your statements.\nii) You are responsible for keeping track of your account balances and your available credit limit. You agree not to use your card to attempt to obtain\ncredit in excess of your credit limit. We may still honor transactions above your credit limit, but our honoring of these transactions will not increase your\ncredit limit, and is at our sole discretion.\niii) We may also increase, decrease, restrict, or cancel your credit limit at any time, subject to applicable law. This will not affect your obligation to pay the\nindebtedness as required by this Agreement. If we change your credit limit, we will notify you in the manner required by applicable law.\nd) Acceptance of this Agreement and Changes to this Agreement.\ni) We issued cards to you as identified in the application. All issued cards were sent to you at the address you provided in your application. You will be\ndeemed to have accepted and agreed to this Agreement on the day you first use the card to initiate a transaction after you first receive the card.\nii) You will be deemed to have accepted changes to this Agreement and the related documents the first time you use the card to initiate a transaction after a\nchange is effective.\n2) Your Account Use Agreements.\na) Using Your Account.\ni)\nYou promise to follow the terms of this Agreement as long as your account remains open or has a balance due. Please sign the card immediately\nwhen you receive it. The card is valid during the dates provided on the front.\nii)\nThe card is our property, and you will return it to us or destroy it if we ask.\niii)\nYou will take reasonable steps to prevent the unauthorized use of the card.\niv)\nWe are not responsible if anyone refuses to accept the card for any reason. Also, we may reject any transaction for any reason. We may limit the type,\nnumber, or aggregate dollar amount of transactions you are permitted to initiate in a day, week, or billing cycle for security reasons. If we impose such\nlimits, you agree that we will not be liable to you if we do not authorize or process transactions in excess of those limits. Unless we tell you\notherwise, we will bill each transaction to your account and apply it against your available credit limit for each billing cycle.\nv)\nUnless we agree, you may not use a transfer to transfer amounts from other accounts with us or any of our affiliates.\nvi)\nYou must not use, or try to use, the card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be\nresponsible for all indebtedness arising from such transactions if you do, and they will be subject to this Agreement. You might have to reimburse the\nnetwork and us for all damages and expenses.\nvii) You agree that you will not use your card if we or you have suspended or canceled the card or account; after you have reported the card lost or stolen;\nafter you file a petition for bankruptcy; or if you do not honestly expect to be able to pay your indebtedness in full.\nviii) From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events),\nour services might be unavailable. When this happens, you might be unable to use the card or obtain information about your account. We will not be\nresponsible or liable if this happens.\nb) Transactions Made in Foreign Currencies.\ni) A currency conversion transaction fee in the amount set forth in the Disclosure Statement will be assessed on all transactions where the merchant country\ndiffers from the card issuer\xe2\x80\x99s country. The converted transaction amount will be shown separately from the international transaction fee on your\nstatement.\nii) An international transaction fee in the amount set forth in the Disclosure Statement will be assessed on foreign transactions where a currency conversion\nis not performed.\nc) No Warranties. Except as otherwise provided in the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d part of your statements (see Section 3(h)), we are not responsible for any\nclaim you might have regarding the purchases of goods or services made with the card.\nd) Merchant Refunds. If you are entitled to a refund for goods or services purchased with the card, you will accept these refunds as credits to your account.\nWe do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it.\ne) Using a PIN.\ni) We may give you a PIN. For security reasons, you might have to provide the PIN before you are able to complete some transactions using the card.\nii) With a PIN, you may use the card to obtain cash from certain ATMs, or make purchases at certain merchant POSs. You may do these things if the\nATM or POS requires entry of a PIN and displays the logo of the network on the card.\niii) You should keep your PIN secure and not write it down, give it to anyone, or keep it with the card. If you lose the card or believe that someone has\ngained unauthorized access to your PIN, you must contact us immediately.\n3. Your Payment Agreements.\n2\n\n\x0ca)\n\nb)\nc)\n\nYour Promise to Pay. You promise, individually and jointly, to pay us all amounts due on your account. This includes amounts where you did not sign a\npurchase slip or other documents for the transaction. If you use the card number without presenting the physical card (such as for mail, telephone or\nInternet purchases), this will be treated the same way as if you presented the card. If you let someone else use the card, you are responsible for all\ntransactions that person makes.\nMaking Payments. Your payments must be in U.S. dollars from a U.S. deposit account and otherwise be acceptable to us. We do not accept cash\npayments through the mail. You may not make payments with funds from your account or any other credit account with us or any of our affiliates.\nInterest Charges and Fees. We will charge interest charges and fees to your account as disclosed to you in the Disclosure Statement and your statements.\ni)\nInterest Charges. In general, interest charges begin to accrue from the day a transaction occurs.\n\nFees. The following fees apply to your account only if they are provided in the Disclosure Statement.\n(a) Annual Fee. We may charge this fee upon each anniversary of your card issue date.\n(b) Balance Transfer Fee. We will charge this fee each time you request us to transfer a balance from another institution to your card account.\n(c) Card Replacement Fee. We may charge this fee if we issue a replacement card at your request prior to the card\xe2\x80\x99s normal reissue date.\n(d) Cash Advance Fee. We may charge this fee each time you obtain a cash advance.\n(e) Copying Fee. We may charge a per-page fee for copies of transaction documents or statements unless they are required when resolving a billing\ndispute.\n(f) Currency Conversion Fee. We may charge this fee under the circumstances described in Section 2(b)(i).\n(g) International Transaction Fee. We may charge this fee under the circumstances described in Section 2(b)(ii).\n(h) Late Payment Fee. We will charge this fee if by 10 days after your scheduled payment due date, we have not received your minimum payment.\n(i) PIN Replacement Fee. We may charge this fee each time a new PIN is generated for you upon your request.\n(j) Returned Payment Fee. We may charge this fee each time any payment you make to us is not paid by your financial institution for any reason,\neven if your institution later pays it.\n(k) Special Processing Fee. We may charge this fee if you request that your account have expedited processing and expedited delivery of your card to\nyou.\niii) We will not charge both a late payment fee and a returned payment fee in the same billing cycle.\niv) We may increase your interest charges and fees as described in Section 4(j) or in the related documents.\nii)\n\nd)\n\ne)\nf)\n\ng)\n\nh)\ni)\n\n(a) We will not assess interest charges on any new purchases or balance transfers posted to your account provided you have paid your previous balance in full\nby its due date.\n(b) Interest charges will begin accruing on the date of the transaction for all cash advances. There is no grace period to avoid paying interest on these\ntransactions.\n(c) The back of the statement provides a detailed explanation for calculating your interest charges.\n\nMinimum Payment\n\nYour statement will provide instructions for making payments, including the amounts due and the due date. If applicable, your statement will also\nprovide a minimum payment amount. To avoid a late payment fee, your minimum payment must be received by us no later than 10 days after your\nscheduled payment due date.\nii)\nIn addition to the minimum payment, you may pay all or part of the balance on your account. However, you must still pay at least the minimum\npayment amount each month, even if you paid more than the minimum on the previous statement. We will continue to charge interest charges during\nbilling cycles when you carry a balance regardless of whether your statement includes a minimum payment. If your account is 90 days past due, the entire\nbalance is immediately due and payable.\niii)\nPayments will be applied in the following order: (A) interest charges; (B) previous cash advances (including transfers); (C) previous purchases; (D)current\ncash advances (including transfers); and finally to (E) current purchases.\nIndex; Periodic Rate. The index, margin, APR, and periodic rate are contained in the Disclosure Statement.\nPenalty Rate. If your minimum payment is not received within 60 days of the payment due date, your entire account balance is subject to the penalty rate\nof 24.99% APR. The Penalty APR will remain in place until you make six (6) consecutive minimum monthly payments when due, as indicated on\nyour monthly account statement. After six (6) consecutive payments, the APR will revert to the standard APR as shown on the Account Opening\nDisclosure for Purchases, Balance Transfers, and Cash Advances. If you do not make these six (6) consecutive minimum payments, we may keep the Penalty\nAPR on your account indefinitely.\nNotice of Unauthorized Use. If the card is lost or stolen, or if you think someone is using the card without your permission, notify us\nimmediately, orally and in writing, at:\nArmed Forces Bank, N.A.\nAttn: Credit Card Department\nPO Box 26458\nKansas City, Missouri 64196-6458\nToll Free: 1.888.929.2265\nYou may be liable for the unauthorized use of the card that occurs before you notify us of such use. Your liability will not exceed $50.00 or the\namount of money, property, labor, or obtained by unauthorized use before you notify us, whichever is less. You will not be liable for unauthorized\nuse that occurs after you notify us and we have a reasonable opportunity to act on such notice. In no event shall we be obligated to reissue a lost\nor stolen card. You agree that we may monitor and/or record all telephone communications between you and us.\nZero Liability Policy. As a VISA\xc2\xae cardholder, you have certain rights under VISA\xe2\x80\x99s Zero Liability program. For details, see\nhttp://usa.visa.com/personal/security/visa_security_program/zero_liability.html.\nDisputed Transactions.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. (i)\ni)\nWhat to Do If You Find a Mistake On Your Statement\n(a) If you think there is an error on your statement, write to us at:\nArmed Forces Bank, N.A.\nAttn: Credit Card Department\nPost Office Box 26458\nKansas City, Missouri 64196-6458\n(b) In your letter, give us the following information:\n(i) Account Information: Your name and account number.\n(ii) Dollar Amount: The dollar amount of the suspected error.\n(iii) Description of the Problem: If you think there is an error on your statement, describe what you believe is wrong and why you believe\ni)\n\n3\n\n\x0cit is a mistake.\nYou must contact us:\n(i) Within 60 days after the error appeared on your statement.\n(ii) At least three business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n(iii) You 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 us the amount in question.\nii)\nWhat Will Happen After We Receive Your Letter\n(a) When we receive your letter, we must do two things:\n(i) 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.\n(ii) Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the statement is correct the\nerror.\n(b) While we investigate whether or not there has been an error:\n(i) We cannot try to collect the amount in question, or report you as delinquent on that amount.\n(ii) The charge in question may remain on your statement, and we may continue to assess interest charges on that amount.\n(iii) While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n(iv) We can apply any unpaid amount against your credit limit.\n(c) After we finish our investigation, one of two things will happen:\n(i) If we made a mistake: You will not have to pay the amount in question or any interest charges or other fees related to that amount.\n(ii) If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest charges and fees.\nWe will send you written notice of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\n(d) If you receive our explanation but still believe your statement 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 statement. 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.\n(e) If we do not follow the rules above, you do not have to pay the first $50.00 of the amount you question even if your statement is correct.\niii)\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n(a) If you are dissatisfied with the goods or services that you have purchased with the card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\n(b) To use this right, all of the following must be true:\n(i) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n(ii) You must have used your card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\naccount do not qualify.\n(iii) You must not yet have fully paid for the purchase.\n(c) If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nArmed Forces Bank, N.A.\nAttn: Credit Card Department\nPost Office Box 26458\nKansas City, Missouri 64196-6458\n(d) While 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.\nj) Other Consequences of a Dispute. If you dispute a transaction made by you or someone else on your account, and we later credit your account for all or\npart of the disputed amount, you give us all of your rights against that other person. In addition, you will:\ni) give us any merchandise or other purchases you received in connection with the disputed amount if we ask;\nii) not pursue any claim or reimbursement from the merchant and that other person; and\niii) help us pursue and get reimbursement from the merchant and that other person. Your help includes giving us documents that we ask for and that\nare acceptable to us.\nk) Mailed Payments.\ni) You must mail payments to us at the address provided on your statement or as otherwise instructed by us. We will credit each payment to your\naccount on the day we receive it if:\n(1) you send the payment coupon included with your statement in the same envelope with your payment;\n(2) you include your account number on your payment item; and\n(3) your payment arrives at the address indicated on the payment coupon by the cutoff time.\nii) Unless otherwise specified in Section 3(k)(iii), and except as limited by applicable law, payments that conform to the requirements of Section 3(k)(i)\nwill be credited to your account if we receive them by the cutoff time. If we receive any payment after the cutoff time, we will apply it the next business day\nexcept when a delay does not result in a finance or other charge. If the due date falls on a weekend or holiday, or a day on which we do not receive or\naccept payments, then we will treat any payment received by us at the correct address by the cutoff time on the next business day as if we received it by\nthe cutoff time on the due date. We will not impose a separate fee for you to make payments unless the applicable payment method involves an\nexpedited (that is same day or next day) delivery service.\niii) We may accept payments that do not conform to the requirements set forth in this Section 3(k), and if we do so, we will apply them to your account\nnot later than five days after we receive them.\nOur Account Servicing Agreements.\na) Statements. We will send you one statement for all cards issued with respect to your account per billing cycle unless applicable law does not require or permit us\nto send only one statement. Statements will be sent at the end of each billing cycle when your account has a debit or credit balance of more than $1.00, or if we\nhave charged any interest charges to your account. Your statement will show all transactions billed to your account during the billing cycle along with other\nimportant account information.\nb) Payment Processing.\ni) We may accept and process payments without losing any of our rights. Even if we apply your payment to your account, we may delay the availability\n(c)\n\n4)\n\n4\n\n\x0cc)\n\nd)\n\ne)\n\nf)\n\ng)\n\nh)\n\ni)\nj)\n\nof credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your\naccount as necessary to correct errors, to process returned and reversed payments, and to handle similar issues.\nii) When you provide an item as payment you authorize us either to use information from your item to make a one time electronic fund transfer from\nyour deposit account or to process the payment as an item. We will provide additional information about this process on your statement or other\ndocuments we send you before your payment. You may contact us and ask that we not process your future items in this way.\niii) When you provide an item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic\nimages may also be converted to substitute checks. We will not be responsible if an item you provide has physical features that when imaged result in\nit not being processed as you intended.\nItems with Restrictive Words, Conditions or Instructions. All items that have restrictive words, conditions, limitations, or special instructions added\n(including items marked with the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar language) and all accompanying communications must be mailed to and received at the\naddress in your most recent statement. If you make your payment or send any accompanying communications to any other address, we may accept and\nprocess the payment without losing any of our rights.\nCredit Balances. We may reject and return to you any payment that creates a credit balance on your account. If we allow you to create a credit balance,\nsuch balance will not be available until we confirm that your payment has cleared. We may reduce the amount of a credit balance by any new transactions\nposted to your account. You may contact us in writing as provided on your statement and request a refund of an available credit balance. We will refund\nyour credit balance not later than seven business days after we receive your written request.\nAccount Default.\ni) We may consider you in default under this Agreement if:\n(1) you do not make a payment by its due date;\n(2) any payment you make is rejected, not paid, or cannot be processed;\n(3) you exceed your credit limit;\n(4) a bankruptcy or other insolvency proceeding is filed by or against you;\n(5) you die or are legally declared incompetent or incapacitated;\n(6) we determine that you made a false, incomplete, or misleading statement on any of your account documentation, or you otherwise tried to\ndefraud us;\n(7) you do not comply with any term of this Agreement, the related documents, or any other agreement with us; or\n(8) you permanently reside outside the United States.\nii) If your account is in default, we may charge the late payment fee set forth in Section 3(c)(ii) and the Disclosure Statement.\niii) Paying the fees charged in connection with a default will not by itself cure the default. In addition, if you are in default, we may take the following\nactions without notifying you, unless we are required to do so by applicable law:\n(1) close or suspend your account;\n(2) lower your credit limit;\n(3) increase your minimum payment;\n(4) demand that you immediately pay the entire indebtedness (for example, as described in Section 3(d));\n(5) continue to charge you interest charges and fees as long as any indebtedness remains outstanding; and/or\n(6) pursue any other action against you that is permitted by applicable law, including the filing of a lawsuit against you.\niv) You must pay us all of our collection expenses, attorneys\xe2\x80\x99 fees, and court costs, unless applicable law does not allow us to collect these amounts.\nCommunications.\ni) We may contact you from time to time regarding your account. We may contact you in any manner we choose unless prohibited by applicable law. For\nexample, we may:\n(1) contact you by mail, telephone, cellular phone, email, fax, recorded message, text message, or personal visit;\n(2) contact you at your home and at your place of employment;\n(3) contact you at any time, including weekends and holidays;\n(4) contact you with any frequency;\n(5) leave prerecorded and other messages on your answering machine/service and with others; and\n(6) identify ourselves, your relationship with us, and our purpose for contacting you even if others might hear or read it.\nii) Our contacts with you about your account are not unsolicited and might result from information we obtain from you or others. We may monitor or\nrecord our conversations or other communication with you. Unless prohibited by applicable law, we may modify or suppress caller ID and similar\nservices and identify ourselves on these services in any manner we choose. When you give us, or we obtain, your mobile tele- phone number, we\nmay contact you at this number and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact\nus.\niii) If you ask us to discuss your account with a person, you must provide us with documents that we ask for and that are acceptable to us.\nCredit Reports.\ni) We may provide information about you and the account to consumer (credit) reporting agencies and others as provided in the related documents.\nInformation we provide might appear on your credit reports and your authorized users\xe2\x80\x99 credit reports. This could include negative information if you\ndo not comply with the terms of this Agreement.\nii) We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as permitted by applicable\nlaw.\nClosing or Suspending Your Account.\ni) You may ask us to close your account by writing us as described on your statement. Your statement will provide additional information about this\nprocess, and we may also separately provide you with additional details after your request. This might include payment information. If you use the\ncard or charges post to your account after you ask us to close it, we may keep it open or re-open it.\nii) We may close or suspend your account and your right to obtain credit from us. We may do this at any time and for any reason permitted by applicable\nlaw, even if you are not in default. A suspension of your account might be permanent or temporary.\niii) If your account is closed or suspended for any reason, you must stop using the card. You must also cancel all billing arrangements that access the\naccount. We will not do this for you. If we close or permanently suspend your account, you must also destroy all cards. You must still pay the indebtedness\nin full, even if it includes transactions posted to your account after we close or suspend it.\nNew Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may\nhave new or different terms and documentation for these offers will be provided when we make you the offer. If you accept the offer, your previously\ndisclosed terms will still apply except as modified by the offer.\nChanges to this Agreement.\ni) At any time, we may add, delete, or change any term of this Agreement unless prohibited by applicable law. We will give you notice of any changes as\nrequired by applicable law. If we do notify you of changes, we will send you a separate notice or inform you on your statement. We may send this notice\n5\n\n\x0c5)\n\nto you electronically as permitted by applicable law. Our notice will tell you when and how the changes will take effect and describe any rights you\nhave in connection with the changes.\nii) If we increase your interest charges for any other reason we will notify you in writing. If we increase your fees or other terms of your account we will\nnotify you in writing and inform you of your options in advance, including the right to opt out of some of these changes.\nMiscellaneous.\na) The Law that Applies to this Agreement.\ni) Our headquarters is in Kansas and this Agreement will be interpreted using THE KANSAS UNIFORM CONSUMER CREDIT CODE and law.\nFederal law will be used when it applies.\nii) You waive any applicable statute of limitations specified in applicable law. Otherwise, the applicable statute of limitations period for all provisions and\npurposes under this Agreement (including the right to collect debt) will be the period provided by Kansas or the jurisdiction where you live,\nwhichever is longer.\niii) If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect.\nb) Waiver. We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your interest\ncharges or fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other\nactions not listed in this Agreement if permitted by applicable law. You do not have to receive notice from us of any waiver, delay, demand, or dishonor.\nWe may proceed against you before proceeding against any other person.\nc) Assignment.\ni) This Agreement will be binding on, and benefit, any of your and our successors and assigns.\nii) You may not transfer this account or this Agreement to any person without our written permission.\niii) We may transfer your account and this Agreement to any person without your permission and without prior notice to you. They will take our place\nunder this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn\nthat we have transferred your account or this Agreement, we can handle your payment in any way we think is reasonable and permitted by applicable\nlaw. This includes returning the payment to you or forwarding the payment to the person to whom we transferred your account.\nd) Glossary.\ni) Account means the card account we have opened for you in response to your application.\nii) Affiliates means all financial institutions owned by Dickinson Financial Corporation. As of the publication date of this Agreement, our affiliates are:\nAcademy Bank, N.A.\n(1) all disclosures and materials provided to you before or when you opened your account;\n(2) all other documents and disclosures relating to your account including those provided online; and\n(3) all privacy notices describing our limitations on sharing information about you with others;\n(4) all statements;\n(5) any future documents describing changes we make to any of the above things.\niii) Applicable law means the laws, regulations, court decisions, administrative rulings and the like adopted by, or in effect from time to time within, the\nState of Kansas and the United States of America.\niv) Application means the form you completed to apply for an account and card that contains the information described in Section 1(b).\nv) ATM means an automated terminal machine provided by a financial institution or another person at which cards may be used as access devices to\nobtain cash.\nvi) Billing cycle means a period of time that might vary in length but is approximately 30 days in duration. The specific period of time is described on\neach statement. However, you will have a billing cycle even if we are not required by applicable law to make a statement available to you. We will often\nspecify a billing cycle by the month in which its closing date occurs as provided on the statement. For example, a \xe2\x80\x9cMarch billing cycle\xe2\x80\x9d will have a closing\ndate in March. If we charge off your account balance, we may switch to quarterly billing cycles.\nvii) Business day means any day in which our offices are open for the processing of payments and transactions.\nviii) Card means each AFB credit card associated with your account, and includes all renewals and substitutions of the initial card issued to you. Card also\nmeans your account number, which you may use to initiate transactions without presenting the card itself.\nix) Cash advance means using the card to obtain cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers\xe2\x80\x99 checks,\nmoney orders, foreign currency, lottery tickets, gaming chips, and wagers.\nx) Credit limit means the maximum outstanding indebtedness you may incur by use of the card, as disclosed to you in the related documents.\nxi) Cutoff time means 5:00 p.m. Central Time, Monday through Friday.\nxii) Disclosure Statement means the document titled \xe2\x80\x9cUnsecured Credit Card Account-Opening Disclosure\xe2\x80\x9d that you received when you submitted your\napplication.\nxiii) Due date means the date shown on each statement by which we must receive at least a minimum payment before a late payment fee is imposed.\nxiv) Fees means charges imposed on your account that are not included in the calculation of the Annual Percentage Rate.\nxv) Indebtedness means all amounts you owe us under this Agreement including, without limitation, all transactions charged to, and not thereafter reversed\nfrom, your account.\nxvi) Index has the meaning set forth in the Disclosure Statement.\nxvii) Interest charges means any charges to your account based on the application of the Annual Percentage Rate to the account balance as set forth in the\nrelated documents.\nxviii) Item means a check, draft, money order, or other negotiable instrument (including images of these instruments) you use to make payments on the\nindebtedness.\nxix) Merchants are sellers of goods and/or services who have agreed with a network to accept cards in payment of the purchase price of the goods and/or\nservices they sell.\nxx) Minimum payment means the amount so specified in each statement, calculated as set forth in the Disclosure Statement.\nxxi) Network means Visa lnc., Mastercard International Incorporated, or any other network provider displayed on the card.\nxxii) Person means a human being, a trust, or a legal entity other than you, or us, as the context requires.\nxxiii) PIN means the personal identification number we will give you that allows us to authenticate transactions initiated at ATMs or POSs.\nxxiv) POS means a point-of-sale device at which cards may be used to (A) pay for purchases, and/or (B) obtain cash.\nxxv) Purchases means those transactions in which you acquire goods and services from merchants from time to time by using the card.\nxxvi) Related documents means the following documents:\n(1) the correspondence we send you confirming that your application has been approved;\n(2) the Disclosure Statement;\n(3) the most-current version of the card benefits brochure, which describes benefits provided by the network for the card and your account.\nxxvii) Statement means a document or information we make available to you showing account information including, among other things:\n6\n\n\x0c(1) Transactions made to your account during a billing cycle.\n(2) The minimum payment.\n(3) Other information required by applicable law.\nxxviii) Transaction means each transfer, purchase, and cash advance.\nxxix) Transfers means balances transferred from other accounts to the account.\n\n\xc2\xa9 Armed Forces Bank, N.A.\nAll rights reserved.\nPublished as of 3-16-2019\n\n7\n\n\x0cPrivacy Policy\nRev. 09/2016\n\nFACTS\n\nWHAT DOES ARMED FORCES BANK DO WITH YOUR PERSONAL INFORMATION?\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives\nconsumers the right to limit some but not all sharing. Federal law also requires us to tell you\nhow we collect, share, and protect your personal information. Please read this notice carefully to\nunderstand what we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service you\nhave with us. This information can include:\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\nHow?\n\nSocial Security Number and Income\nAccount Balance and Payment History\nCredit History and Credit Scores\n\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their everyday\nbusiness. In the section below, we list the reasons financial companies can share their\ncustomers\xe2\x80\x99 personal information, the reasons Armed Forces Bank chooses to share; and\nwhether you can limit this sharing.\n\nReasons we can share your personal information\n\nDoes Armed Forces\nBank share?\n\nCan you limit this sharing?\n\nFor our everyday business purposes\xe2\x80\x94\nsuch as to process your transactions, maintain\nyour account(s), respond to court orders and legal\ninvestigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes\xe2\x80\x94\nto offer our products and services to you\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposes\xe2\x80\x94\ninformation about your transactions and experiences\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposes\xe2\x80\x94\ninformation about your creditworthiness\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nYes\n\nYes\n\nFor nonaffiliates to market to you\n\nNo\n\nWe Don\xe2\x80\x99t Share\n\nTo limit\nour sharing\n\n\xef\x82\xa7\n\nCall 888.929.2265 and speak to a customer care representative.\n\nPlease note:\nIf you are a new customer, we can begin sharing your information 30 days from the date we sent\nthis notice. When you are no longer our customer, we continue to share your information as\ndescribed in this notice.\nHowever, you can contact us at any time to limit our sharing.\n\nQuestions?\n\nCall 888.929.2265 or go to afbank.com\n\n\x0cPage 2\nWho we are\nWho is providing this notice?\n\nArmed Forces Bank\n\nWhat we do\nHow does Armed Forces Bank protect\nmy personal information?\n\nTo protect your personal information from unauthorized\naccess and use, we use security measures that comply\nwith federal law. These measures include computer\nsafeguards and secured files and buildings.\n\nHow does Armed Forces Bank collect\nmy personal information?\n\nWe collect your personal information, for example, when you\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\nOpen an account or deposit money\nPay your bills or apply for a loan\nUse your Credit or Debit Card\n\nWe also collect your personal information from others, such as credit\nbureaus, affiliates, or other companies.\nWhy can\xe2\x80\x99t I limit all sharing?\n\n\xef\x80\xa0\n\xef\x80\xa0\n\nFederal law gives you the right to limit only\n\xef\x82\xa7\n\xef\x82\xa7\n\xef\x82\xa7\n\nsharing for affiliates\xe2\x80\x99 everyday business purposes\xe2\x80\x94\ninformation about your creditworthiness\naffiliates from using your information to market to you\nsharing for nonaffiliates to market to you\n\nState laws and individual companies may give you additional\nrights to limit sharing.\nWhat happens when I limit sharing\nfor an account I hold jointly with\nsomeone else?\n\nYour choices will apply to everyone on your account.\n\nDefinitions\nAffiliates\n\nCompanies related by common ownership or control.\nThey can be financial and nonfinancial companies.\n\xef\x82\xa7\n\nOur affiliates include Dickinson Financial Corporation\nand Academy Bank, N.A. .\n\n\xef\x80\xa0\n\nNonaffiliates\n\nCompanies not related by common ownership or control.\nThey can be financial and nonfinancial companies.\n\xef\x82\xa7\n\nArmed Forces Bank does not share with nonaffiliates\nso they can market to you.\n\n\xef\x80\xa0\n\nJoint marketing\n\nA formal agreement between nonaffiliated financial\ncompanies that together market financial products or\nservices to you.\n\xef\x82\xa7\n\nOur joint marketing partners include financial service\ncompanies.\n\n\x0c'