b'CREDIT CARD\nAPPLICATION\nThere are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this\napplication or by calling us toll-free or collect at\nor writing to us at the address stated on this application.\n(920) 921-1123\nCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.\nIndividual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if\n1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)\n2. your spouse will use the account, or\n3. you are relying on your spouse\'s income as a basis for repayment. If you are relying on income from alimony, child support, or separate\nmaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.\nJoint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant\nbox.\nCredit Card Account:\nIndividual\nJoint\nIf this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):\nApplicant\n\nDate\n\nCo-Applicant\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nIf Authorized User, Name:\n\nCredit Limit Requested $\n\nGuarantors Complete OTHER section below.\n\nAPPLICANT\n\nOTHER\n\nNAME (Last - First - Initial)\n\nNAME (Last - First - Initial)\n\nCO-APPLICANT\n\nSPOUSE\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\nAGES OF DEPENDENTS\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\nAGES OF DEPENDENTS\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\n\nOWN\n\nRENT\n\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nLENGTH AT RESIDENCE\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nRENT\n\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nSEPARATED\n\nEMPLOYMENT/INCOME\nEMPLOYMENT STATUS\n\nRENT\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nMORTGAGE BALANCE\n\nMARRIED\n\nRENT\n\nLENGTH AT RESIDENCE\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nOTHER\n\nGUARANTOR\n\nFULL TIME\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nMARRIED\n\nSEPARATED\n\nEMPLOYMENT/INCOME\n\nSTART DATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\n\nUNMARRIED (Single - Divorced - Widowed)\n\nPART TIME\n\nINTEREST RATE\n\nEMPLOYMENT STATUS\n\nFULL TIME\n\nUNMARRIED (Single - Divorced - Widowed)\nSTART DATE\nPART TIME\n\nNAME AND ADDRESS OF EMPLOYER\n\nNAME AND ADDRESS OF EMPLOYER\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\n$\n\n$\n\n$\n\n$\n\nTITLE/GRADE\n\nSOURCE\n\nTITLE/GRADE\n\nSOURCE\n\nPER\n\nPER\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nSTARTING DATE\n\nSTARTING DATE\n\n\xc2\xa9 CUNA Mutual Group 2016 All Rights Reserved\n\nENDING DATE\n\nENDING DATE\n\n04807021-AXX00-P-1-031021 (AXX002-E)\n\n\x0cMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nSTATE LAW NOTICE(S)\nNotice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any\nmisunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial\naccommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for\nany or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must\nbe in writing to be effective.\nNotice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing\nof credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,\nand that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nNotice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under\nSection 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or\nhas actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan\nwith your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.\nSignature for Wisconsin Residents Only\n\nDate\n\nX\n\n(Seal)\n\nCONSENSUAL SECURITY INTEREST\nYou grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure\nyour credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law\nif given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares\nunless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,\nif you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nBy signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition\nfor the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any\nperiods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your\npledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nSIGNATURES\nBy signing or otherwise authenticating below:\n1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will\nnotify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any\nupdate, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this\napplication and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from\nwhich it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.\n2. You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card\nAgreement and Disclosure.\nApplicant\xe2\x80\x99s Signature\n\nDate\n\nOther Signature\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nCREDIT UNION USE ONLY\nDATE\n\nAPPROVED\nDECLINED\n\nNUMBER OF CARDS\n\nCREDIT LIMIT\n\nCREDIT CARD NUMBER\n\n$\n\nSignatures\n\nDate\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\n04807021-AXX00-P-1-031021 (AXX002-E)\n\n\x0cAPPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA CLASSIC/VISA UCHOOSE REWARDS/VISA SECURED\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Classic\n\n8.24% to 20.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa uChoose Rewards\n\n10.24% 22.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nto\n\nVisa Secured\n\n13.24% to 25.49%\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nVisa Classic\n8.24% to 20.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa uChoose Rewards\n10.24% to 22.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nAPR for Cash Advances\n\nVisa Secured\n13.24% to 25.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Classic\n8.24% to 20.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa uChoose Rewards\n10.24% to 22.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Secured\n13.24% to 25.49% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04807021-MXC10-P-1-031021 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\n3.00% of the amount of each balance transfer\n3.00% of the amount of each cash advance\n1.00% of each transaction in U.S. dollars\nUp to $20.00\nNone\nUp to $20.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 09, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Classic, Visa uChoose Rewards and Visa Secured are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge):\n3.00% of each balance transfer.\nCash Advance Fee (Finance Charge):\n3.00% of each cash advance.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nRush Fee:\n$75.00.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04807021-MXC10-P-1-031021 (MXC101-E)\n\n\x0cDocument Copy Fee:\n$25.00 per document.\nStatement Copy Fee:\n$5.00 per document.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04807021-MXC10-P-1-031021 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA CLASSIC/VISA UCHOOSE REWARDS/VISA\nSECURED\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Fond du Lac Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04807021-MXC30-P-1-031021 (MXC303-E)\n\n\x0cYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of Your\nAccount, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n04807021-MXC30-P-1-031021 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 Upon default, the entire outstanding balance due under this Agreement shall, unless excused by Our\nBoard of Directors, become immediately due and payable, subject only to any right to cure default which You may have\nunder Section 425.105 of the Wisconsin Statutes. A default shall be deemed to have occurred if (a) You fail to make\npayments when due on two occasions within any 12-month period, or (b) You fail to observe any other covenant of this\nAgreement, change marital status, change marital domicile or You or Your spouse become insolvent or subject of a\nbankruptcy or other insolvency proceeding, if such failure, act or occurrence materially impairs Your ability to pay the\namount due under this Agreement or breach of which materially impairs the condition, value or protection of the\nmerchant\'s rights in any collateral securing the transaction. In addition, notwithstanding Sections 425.103 and 425.105 of\nthe Wisconsin Statutes, in the event We receive a notice of termination of this Agreement from the spouse of a borrower\npursuant to Section 766.565(5), Wisconsin Statutes, We may declare the entire outstanding balance of the Agreement\nimmediately due and payable. If immediate payment is demanded, You agree to continue paying finance charges at the\nperiodic rate charged before the default, until what You owe has been paid, and any shares that were given as security for\nYour Account may be applied towards what You owe.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nYour bill or call Us at 888.999.2231, seven days a week 24 hours a day or 531.233.6413 (International Number), seven\ndays a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\nPage 3 of 5\n04807021-MXC30-P-1-031021 (MXC303-E)\n\n\x0c17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nWisconsin.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 4 of 5\n04807021-MXC30-P-1-031021 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n04807021-MXC30-P-1-031021 (MXC303-E)\n\n\x0c'


b'CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA\nCLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC,\nVISA CLASSIC SECURED, AND VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS\nAGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CAPITAL COMMUNICATIONS FEDERAL CREDIT UNION. The words "You"\nand "Your" mean each person accepting this Agreement or who uses the VISA Classic, VISA Classic Secured or VISA Platinum Credit Card. If this is a joint Account, read\nsingular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Classic, VISA Classic Secured or VISA Platinum Credit Card issued to You by Us and\nany duplicates or renewals. The word "Account" means the VISA Classic, VISA Classic Secured or VISA Platinum Credit Card established for You under this Agreement.\n"Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.\nPROMISE TO PAY. You understand that the following terms and conditions\nconstitute Our Agreement with You. Your Account may be accessible through a\nvariety of means which could include vouchers, checks, charge slips, Convenience\nChecks, Credit Cards and the like. Regardless of the access means, You promise\nto pay Us all amounts charged to Your Account by You or by any user who has\naccess to Your Account, with actual, apparent or implied authority for use of Your\nAccount, including Finance Charges and other fees or charges described herein.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but\nnot limited to, advances made for the purpose of gambling and/or wagering where\nsuch practices are in violation of applicable state and/or federal law.\nSECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected\nin the "Truth-in-Lending Disclosure" in any particular Agreement evidencing\nsuch debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your\nshares with Us (except for IRA and Keogh accounts) and any dividends due\nor to become due to You from Us to the extent You owe on any unpaid Credit\nCard balance.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for\neach Credit Card for which You are approved. Unless You are in default, any\nCredit Limits established for You will generally be self-replenishing as You\nmake payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand\nthat any such Account access device(s) will be mailed only to the primary Borrower\nat the address that We have on file for You. We may refuse to follow any instructions\nwhich run counter to this provision.\nACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Classic\nSecured Credit Card, You agree to give Us a specific pledge of shares which will\nequal Your Credit Limit. In the event that You default on Your VISA Classic Secured\nCredit Card, We may apply these shares toward the repayment of any amount owed\non such Credit Card. You may cancel Your VISA Classic Secured Credit Card at\nany time by paying any amounts owed on that Credit Card. To be certain that Your\nentire balance and all advances on Your Account are paid, any shares pledged may\nnot be available to You for 30 days after You have cancelled and any outstanding\nbalance is paid in full.\n\nCopyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved.\n\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment will\nnot delay Your next scheduled payment. All payments to Us must be in lawful\nmoney of the United States. As permitted by law, We may apply payments at Our\ndiscretion. Any unpaid portion of the Finance Charge will be paid by subsequent\npayments and will not be added to Your principal balance. You understand that any\ndelay in the repayment of Your unpaid balance will increase Your periodic Finance\nCharges and any acceleration in the repayment of Your unpaid balance will\ndecrease Your periodic Finance Charges.\nVISA Classic, VISA Classic Secured and VISA Platinum Minimum Payments will be\nan amount equal to 2.00% of Your new unpaid VISA Classic, VISA Classic Secured\nor VISA Platinum balance at the end of each billing cycle, subject to the lesser of\n$25.00 or Your balance, plus any portion of the Minimum Payments shown on prior\nstatement(s) which remains unpaid.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance, We take the beginning balance each day, add any new\npurchases, balance transfers, cash advances, debit adjustments or other charges\nand subtract any payments, credits and unpaid Finance Charges. This gives Us the\ndaily balance. Then, We add up all the daily balances for the billing cycle and divide\nthem by the number of days in the billing cycle. The Finance Charge for a billing\ncycle is computed by multiplying the average daily balance subject to a Finance\nCharge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the date\nthey are posted to Your Account, will be subject to a Finance Charge. Balance\ntransfers and cash advances are always subject to a Finance Charge from the later\nof the date they are posted to Your Account or from the first day of the billing cycle\nin which the cash advance is posted to Your Account.\nFor the current Monthly Periodic Rate (and the corresponding Annual\nPercentage Rate) for Your Account, refer to the separate page titled\n"Additional Disclosure - Federal Truth-In-Lending Act" which has been\nprovided in conjunction with Your Card.\nLATE CHARGE. If Your payment is 10 or more days late, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $25.00.\nRETURNED PAYMENT FEE. You will be charged a fee for any check (or other\nnegotiable instrument used for payment) which is returned unpaid. The amount of\nthe fee will equal the lesser of: (a) $10.00; or (b) the required minimum payment\namount for the returned payment.\n\nPage 1 of 3\n\nOTBS 016CC FRB_Web CAPC (1/18)\nRev. (1/18)\n\n\x0cOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) $5.00 for each replacement Card You request; (b)\n$2.00 for each statement copy You request; and (c) each time You request that We\nexpedite the delivery of a Card or PIN, We will charge You a fee, which amount will\nbe determined at Our sole discretion (ranging from a minimum $25.00 up to and\nincluding a maximum of $45.00).\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will provide You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We need\nnot send You a statement if We feel Your Account is uncollectible or if We have\nstarted collection proceedings against You because You defaulted. EACH\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL\nTRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks\nhave been reported lost or stolen; (3) Your Account has been cancelled or has\nexpired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting\nloss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nof Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon will\nbe impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of Your Account immediately due and payable, without\nprior notice or demand. If Your entire Account balance is not then paid\nimmediately upon default, and to the extent permitted by law, the Credit Union\nmay take possession of the Collateral and assert the defense of a superior right\nof possession as the holder of a security interest to any offense of alleged\nwrongful taking and conversion.\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all court\ncosts, private process server fees, investigation fees or other costs incurred in\ncollection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any\namounts owed under this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force\nand effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of\ncredit under this Agreement. However, You may purchase any credit insurance\navailable through Us and have the premiums added to Your outstanding\nbalance. If You elect to do so, You will be given the necessary disclosures and\ndocuments separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with this\nAgreement or at a later date becomes an integrated part of this Agreement\nand Disclosure.\n\nCopyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved.\n\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertai ning\nto Your employment, credit standing and financial responsibility in accordance\nwith applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account to consumer\ncredit reporting agencies, a prospective employer or insurer, or a state or\nfederal licensing agency having any apparent legitimate business need for\nsuch information.\nTERMINATION. Either You or We may cancel Your Account at any time, whether\nor not You are in default. You will, in any case, remain liable to pay any unpaid\nbalances according to the terms of Your Account.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN to access Your Account and all sums\nadvanced will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic\nFund Transfer Agreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or\nother slips You may sign or receive when using Your Card contain terms, this\nAgreement is the contract which solely applies to all transactions invol ving\nthe Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (844) 228-8853. You may\nalso notify Us of the loss, theft, or possible unauthorized use of Your Card by writing\nto Us at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205. In\nany case, Your liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others\nto accept the Cards or Convenience Checks, or electronic terminals to honor\nthe Cards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. Dollars) will be: (a) a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b) the\ngovernment-mandated rate in effect for the applicable central processing date.\nFor transactions that are initiated in a foreign currency, You will be charged 1.00%\nof the final settlement amount. For transactions occurring in foreign countries and\ninitiated in U.S. Dollars, You will be charged 1.00% of the final settlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards\nor Convenience Checks, You will immediately call Us at (844) 228-8853, or write to\nUs at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your Share\nAccount after six months.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of New York except to the extent that such laws are inconsistent with\ncontrolling federal law.\n\nPage 2 of 3\n\nOTBS 016CC FRB_Web CAPC (1/18)\nRev. (1/18)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\n\nAfter We finish Our investigation, one of two things will happen:\n\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit 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 Our address shown\nin this Agreement. In 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\nYou 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 three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay\nthe amount in question.\n\n\xe2\x80\xa2 If We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You a\nstatement of the amount You owe and the date payment is due. We\nmay then report You as delinquent if You do not pay the amount We think\nYou owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom We\nreported You as delinquent, and We must let those organizations know when\nthe matter has been settled between Us. If We do not follow all of the rules\nabove, You do not have to pay the first $50.00 of the amount You question\neven 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\nCredit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n\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\nletter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on Your statement, and We may continue\nto 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\nthe remainder of Your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against Your Credit Limit.\n\nCopyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved.\n\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was based\non an advertisement We mailed to You, or if We own the company that sold\nYou the goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 3 of 3\n\nOTBS 016CC FRB_Web CAPC (1/18)\nRev. (1/18)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93 CREDIT CARD ACCOUNT\nAGREEMENT AND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR THE VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM CREDIT CARD.\nPLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nVISA Classic:\n\n13.90%\n\nVISA Classic Secured:\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\nVISA Platinum:\n\n9.90%\n\n13.90%\n\nVISA Classic: 13.90%\n\nVISA Platinum: 9.90%\n\nVISA Classic Secured: 13.90%\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nVISA Classic: 13.90%\n\nVISA Platinum: 9.90%\n\nVISA Classic Secured: 13.90%\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction\n\n1.00% of each foreign currency transaction in U.S. Dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nUp to $25.00\nUp to $10.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See\nYour Account Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nFINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance each day, add any new purchases,\nbalance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance.\nThen, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed\nby multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance\ntransfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle\nin which the cash advance is posted to Your Account.\nVISA Classic is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an ANNUAL PERCENTAGE RATE of 13.90%).\nVISA Classic Secured is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an ANNUAL PERCENTAGE RATE of 13.90%).\nVISA Platinum is subject to a Monthly Periodic Rate of 0.8250% (corresponding to an ANNUAL PERCENTAGE RATE of 9.90%).\nCopyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved.\n\nPage 1 of 1\n\nOTBS 016ACC FRB_Web CAPC (1/18)\nRev. (1/18)\n\n\x0c'


b"STCU Mastercard\xc2\xae Credit Card Agreement\nThis Credit Card Agreement (Agreement) and the Account Disclosures\naccompanying this Agreement will govern your STCU Mastercard\nCredit Card and account issued by Spokane Teachers Credit Union\n(\xe2\x80\x9cSTCU\xe2\x80\x9d). In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours\xe2\x80\x9d,\n\xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the\napplication for this Account, any joint obligor, guarantor, authorized\nuser, or the person whose name is embossed on the Card. The words\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Spokane Teachers Credit\nUnion. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued\nunder this Account. If you sign an application for this Account or\nsign or use any Card or PlN, or allow others to use the Card or\nPlN, you and they will have accepted this Agreement just as if you\nand they signed it, and you and they, jointly and severally, will be\nbound by the following terms and conditions which govern this\nAccount.\n1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus\nany Interest Charges, which arise from use of the Card or Account by\nyou or any other person, and to be jointly and severally liable with such\na person, unless such other person does not have actual, implied, or\napparent authority for such use, and you received no benefit from the\nuse. You promise to pay us either by direct payment or by automatic\ntransfers from your accounts.\n2. PURCHASES, CASH AND OVERDRAFT ADVANCES. You must\nsign the Card to use it. Once you have signed the Card, you can use it\nto buy or lease goods, services, or insurance wherever the Card is\nhonored, up to the full amount of your Credit Line. You may use your\nAccount to get cash advances from us. You may also use your Card to\nget a cash advance at ATMs, our branch offices, and at participating\nfinancial institutions. In addition, you may obtain cash advances by\noverdrawing your account. Loan overdraft transfers will be made in the\namount necessary to cover each overdraft. You authorize us to charge\nyour account and deposit such funds to your account. You understand\nthat you will be liable for overdraft advances accessed by any\nauthorized person on your checking account. If we approve, you may\nobtain advances under your account by writing pre-printed promotional\nchecks that we supply to you. Your use of promotional checks will be\nshown as purchase advances on your monthly statement. We may not\nhonor your promotional check if: your check is postdated; payment of\npromotional check would exceed your credit limit; a promotional check\nis signed by a person without authorized access to your account; the\namount of the promotional check is less than the minimum required\namount; your account has been terminated or suspended or any\npromotional checks have been reported lost or stolen. You may stop\npayment on a promotional check if you provide us with the exact\ninformation describing the check and providing us with adequate notice\nto act on the stop payment instruction. If you give us incorrect\ninformation, we will not be responsible for failing to stop payment of the\npromotional check and you will be responsible for repayment of the\namount of the check. You understand there may be a charge for each\nstop payment order requested and any promotional check returned.\nOur liability for wrongful dishonor is limited to your actual damages;\nhowever, a dishonor for reasons stated above is not a wrongful\ndishonor.\n3. CREDIT LINE. If your application is approved by us, this Agreement\nwill constitute a revolving line of credit for an amount which will be the\nCredit Line under your Account. We will advise you of the amount of\nyour Credit Line. That amount will be the maximum amount you may\nhave outstanding at any one time. We retain the right to increase or\ndecrease your Credit Line at any time. Any increase or reduction in the\namount of your Credit Line will be shown on your monthly statement or\nby separate notice together with any changes in the applicable\nMinimum Monthly Payments. Your eligibility for this Credit Line is\ndetermined by our loan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close your Credit Line\nat any time by notifying us in writing and returning all Cards cut in half.\nIf you terminate this Agreement or if we terminate or suspend your\ncredit privileges, the provisions of this Agreement and your liability\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\nhereunder shall otherwise remain in full force and effect until you have\npaid us all sums due us under this Agreement and returned all Cards.\n4. MONTHLY PAYMENT. We will mail you a statement every month if\nyour Account has a balance. You agree that you will pay each month\nnot less than the minimum monthly payment on or before the\nscheduled monthly due date. The minimum monthly payment will be\n2.0% of your outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25.00,\nwhichever is greater. If your outstanding balance is $25.00 or less,\nyou agree to pay the balance in full. You may pay in full for all your\nAccount balances each month, or you may repay in monthly\ninstallments. We can accept late payments or partial payments, or\nchecks, drafts or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without\nprejudice to our rights under this Agreement, which are hereby\nexplicitly reserved. A credit posting from a merchant or reversal of\nfees do not constitute a minimum payment. The minimum monthly\npayment may be allocated at STCU\xe2\x80\x99s discretion to pay off lower rate\nbalances, such as promotional offers, before higher rate balances,\nsuch as cash advances or purchases. Payments in excess of the\nminimum monthly payment will be allocated first to higher rate\nbalances, as applicable. From time to time, we may allow you to skip\nyour minimum monthly payment due. If you choose to skip that\npayment, Interest Charges will continue to accrue in accordance with\nthis Agreement. Payments received at: STCU, PO Box 37035,\nBoone, IA 50037-0035 at or before 5:00 PM Central Time on any\nbusiness day will be credited to your Account as of that date; payments\nreceived by mail at that address after 5:00 PM Central Time, on a\nweekend or federal holiday will be posted to your Account as of the\nnext business day. Payment crediting to your Account may be delayed\nup to five days if your payment is received by mail at any other address\nor not accompanied by the remittance portion of your Account\nstatement.\n5. SECURITY INTEREST/PLEDGE OF SHARES. To secure your\nAccount, you grant us a purchase money security interest under the\nUniform Commercial Code in any goods you purchase through your\nAccount. If you default, we will have the right to recover any of these\ngoods which have not been paid for through application of your\npayments. You agree Collateral securing other consumer loans with\nSTCU (except loans secured by real property) will also secure this\nAccount. You also pledge all of your present and future shares and any\nearnings thereon as security for obligations under your account. You\nunderstand that if you default on your Account we may apply all that is\npledged to your Account (IRA and Keogh accounts are excluded from\nthe Pledge of Shares).\n6. MONTHLY STATEMENTS. Each month, we will send you a\nstatement showing new purchases, cash advances, balance transfers,\npayments, and credits made to your Account during the billing cycle,\nyour Previous Balance, your \xe2\x80\x9cTotal New Balance,\xe2\x80\x9d any Interest\nCharges, and any other charges. Your statement also will identify the\nremaining credit limit available and the Minimum Monthly Payment you\nmust make for that billing period and the date it is due. You agree to\nretain for statement verification copies of transaction slips resulting\nfrom each purchase, each advance, and other transactions on your\nAccount. Unless you notify us of a billing error as described below, you\naccept your monthly statement as an accurate statement of your\nAccount with us.\n7. INTEREST CHARGES. The total outstanding balance of purchases,\nbalance transfers and cash advances in the Account on the closing\ndate of a billing cycle, including any Interest Charges will be shown on\nthe Monthly Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\n(a) Cash/Overdraft Advances. An Interest Charge will be imposed\non cash and overdraft advances from the advance posted to your\naccount to the date paid. There is no time period within which to pay to\navoid a periodic Interest Charge on cash and overdraft advances. In\naddition there is a cash advance fee (Interest Charge) of 3% of the\namount of each advance ($5 minimum).\n(b) Balance Transfers. An Interest Charge will be imposed on the\nportion of balance transfers included in the New Balance that remains\nunpaid within 23 days after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows\nyou to avoid an Interest Charge on balance transfers for a billing\nMC1001 031121\n\n\x0ccycle. However, if you do not pay the New Balance for balance\ntransfers within the grace period, your Interest Charge will accrue on\nany unpaid balance transfers from the date of the balance transfer.\n(c) Purchases. An Interest Charge will be imposed on the portion of\npurchases included in the New Balance that remains unpaid within 23\ndays after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an\nInterest Charge on purchases for a billing cycle. However, if you do\nnot pay the New Balance for purchases within the grace period, your\nInterest Charge will accrue on any unpaid purchase transactions from\nthe date of purchase.\n8. CALCULATING INTEREST CHARGES.\n(a) Average Daily Balance. The Interest Charge imposed on\npurchases, balance transfers and cash advances with respect to a\nBilling Cycle will be determined by multiplying the Average Daily\nBalance of purchases, balance transfers and cash advances by a Daily\nPeriodic Rate. The Average Daily Balance for purchases, balance\ntransfers and cash advances are calculated separately. We take the\nbeginning balance of cash advances, balance transfers or purchases\nin your account each day then, in the sequence in which the amounts\npost to your account add any new cash advances, balance transfers\nand purchases (whichever are applicable) and subtract any payments\nor credits (and unpaid Interest Charges and late charges). This gives\nus the Daily Balance for that day. Then we add up all the Daily\nBalances of cash advances, balance transfers, and purchases for the\nbilling cycle and divide the totals by the number of days in the billing\ncycle. This gives us the \xe2\x80\x9cAverage Daily Balances\xe2\x80\x9d for purchases,\nbalance transfers and cash advances. Interest Charges start to\naccrue on cash advances, balance transfers and purchases from the\ndate the cash advance, balance transfers or purchase is posted to your\nAccount, and your Account balance is reduced when STCU receives\nyour payment or enters a credit. However, a portion of your balance\nthat is the result of purchases and balance transfers has a different\ntreatment if you pay that entire portion by at least twenty-three (23)\ndays after we send your billing statement. An Interest Charge will be\nimposed on the portion of purchases and balance transfers included in\nthe New Balance that remains unpaid within 23 days effective the\nopening date of the following billing cycle. Your cash advance and\noverdraft transfers balances have no grace period in which to avoid an\nInterest Charge.\n(b) Interest Rates. Your Account is subject to a non-variable Periodic\nRate and Rate corresponding Annual Percentage Rate (Interest Rate).\nThe Annual Percentage Rate is divided by 365 to produce the daily\nrate. The Annual Percentage Rate for purchases, cash advances and\nbalance transfers will fall within a range of rates and be based upon\nyour credit worthiness:\nPurchases & Balance Transfers\nCash Advances\n\n9.99% \xe2\x80\x93 20.99%\n15.99% \xe2\x80\x93 23.99%\n\nThe Credit Union may offer introductory and promotional Annual\nPercentage Rates from time to time. At the end of any introductory or\npromotional period, the standard Annual Percentage Rate applicable to\nyour account will apply. The Annual Percentage Rate applicable to\nyour account will be disclosed to you with your Card and shown on\neach monthly statement. The \xe2\x80\x9cTotal Interest Charge\xe2\x80\x9d shown on your\nmonthly statement consists of the periodic Interest Charge on\npurchases, the periodic Interest Charge on cash advances, and the\nperiodic Interest Charge on balance transfers.\n9. Fees and Charges. We may impose fees and charges on your\nAccount as set forth below. STCU reserves the right to assess other\nfees in the future. You will be notified of any new fees as required by\nlaw.\n(a) Annual Fee. There is no Annual Fee.\n(b) Late Fee. You agree to pay a late fee of $25.00 for each minimum\npayment not paid by payment due date.\n(c) Stop Payment Fee. There is a $25.00 fee for any stop payment\norder you order on a convenience check drawn on your account and a\n$5.00 fee for any recurring stop payment request.\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\n(d) Returned Payment Fee. A $25.00 fee will be assessed against\nyour Account when a check submitted for payment on the Account is\nreturned, regardless of the reason.\n(e) Returned Item Fee. A $25.00 fee will be assessed against your\nAccount for each convenience check returned, regardless of the\nreason.\n(f) Research and Copying Fees. We may charge you $25.00 per hour\n(minimum $5.00) of research required if you request copies of any\nitems or documents related to your Account. There is a $2.00 charge\nfor each statement copy you request and $12.00 per copy for any\ntransaction documents you request. If the request relates to a billing\nerror and we determine that a billing error was made, any copying\ncharges will be refunded.\n(g) PIN Change/Replacement Fee. A $2.00 charge may be assessed\nagainst your Account for each PIN change/replacement you request.\n(h) Card Replacement Delivery Fee. You agree to pay a $5.00 fee for\ndelivery of your replacement card. Rush delivery is an additional\ncharge.\n(i) Foreign Transaction Fees. Purchase and cash advance\ntransactions made in or with merchants located in foreign countries will\nbe billed to you in U.S. dollars. The currency conversion rate for\ninternational transactions as established by Mastercard International,\nInc., is a rate selected by Mastercard from the range of rates available\nin wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Mastercard itself receives or\nthe government-mandated rate in effect for the applicable central\nprocessing date. In addition, you will be charged an International\nTransaction Fee of 2% of the transaction amount for any card\ntransaction made in or with merchants located in a foreign country.\n(j) ATM Surcharge Fees. If you use an ATM to obtain a cash advance\nand the ATM is not operated by us, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such a\ntransaction. The ATM surcharge may be charged to your account if\nyou complete the transaction.\n10. CONDITIONS OF CARD USE. The use of your Card and Account\nare subject to the following conditions:\n(a) Authorized Card Use. If you authorize anyone to use your Card in\nany manner that authority will be considered unlimited in amount and\nmanner until you specifically revoke such authority by notifying the\nCredit Union immediately. You are responsible for any transactions\nmade by such persons until you notify us that transactions and access\nby that person are no longer authorized and you return all cards issued\nto you. If you fail to maintain the security of the Card and the Credit\nUnion suffers a loss, we may terminate your Card and account\nservices immediately. You agree to notify us immediately of the loss, or\nthe theft, or the use without your permission, of any Card or other\ncredit instrument or device which we supply to you. You may be liable\nfor any unauthorized use on the Account. You understand and agree\nthat unauthorized use means the use of the card by someone other\nthan you.\n(b) Ownership of Cards. Any Card or other credit instrument or\ndevice which we supply to you is our property and must be returned to\nus, or to any person whom we authorize to act as our agent, or to any\nperson who is authorized to honor the Card, immediately according to\ninstructions. The Card may be repossessed at any time in our sole\ndiscretion without demand or notice. You cannot transfer your Card or\nAccount to another person.\n(c) Honoring the Card. Neither we nor merchants authorized to honor\nthe Card will be responsible for the failure or refusal to honor the Card\nor any other credit instrument or device we supply to you. If a merchant\nagrees to give you a refund or adjustment, you agree to accept a credit\nto your Account in lieu of a cash refund. You may not use the card for\nany illegal or unlawful transactions and we may decline to authorize\nany transaction that we believe poses an undue risk of illegality or\nunlawfulness.\nMC1001 031121\n\n\x0c(d) Notices and Payments. All notices will be sent to your address as\nshown in the application. You agree to advise us promptly if you\nchange your mailing address. All payments should be mailed to us at\nthe remittance address shown on your monthly statements. Payments\nreceived at that address will be credited to your Account as of the date\nreceived.\n(e) Personal Identification Number (PIN). You will be required to\nselect a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card\nin accessing your line of credit at automatic teller machines (\xe2\x80\x9cATM\xe2\x80\x99s)\nand for certain purchase transactions, these numbers are issued to\nyou for your security purposes. These numbers are confidential and\nshould not be disclosed to third parties. You are responsible for\nsafekeeping your PlN. You agree not to disclose or otherwise make\navailable your PlN to anyone not authorized to sign on your Accounts.\nTo keep your Account secure, please do not write your PlN on your\nCard or keep it in the same place as your Card. If you authorize\nanyone to use your PIN in any manner that authority will be considered\nunlimited in amount and manner until you specifically revoke such\nauthority by notifying STCU and changing your PIN immediately. You\nare responsible for any transactions made by such person until you\nnotify us that transaction and access by that person are no longer\nauthorized and your PIN is changed. If you fail to maintain or change\nthe security of your PIN and STCU suffers a loss, we may terminate\nyour card and account services immediately.\n11. LOSS OR THEFT OF CARD. You agree to notify us immediately,\norally or in writing, of the loss, theft or unauthorized use of your Credit\nCard by telephone at (509) 326-1954 in Washington, (208) 619-4000 in\nIdaho, or toll-free (800) 858-3750, or by mail at STCU, PO Box 1954,\nSpokane, WA 99210-1954. If you notify us of your lost or stolen credit\ncard after discovery, you may not be liable for any losses related to\ncredit transactions. You may not be liable for an unauthorized\ntransaction, as long as you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming\naware, you promptly report the loss or theft to us, otherwise your\nliability for unauthorized credit card transactions shall not exceed $50.\n12. DEFAULT. You will be in default under this Agreement if any of the\nfollowing occur: (a) Any Minimum Monthly Payment is not made when\ndue; (b) You become insolvent, bankrupt, or you die; (c) You violate\nany part of this Agreement, or any other agreement with us; or (d) if we\nreasonably deem ourselves insecure with respect to your Account.\nUpon default, we may declare the entire unpaid balance immediately\ndue and payable, and you agree to pay that amount plus any\napplicable fees and costs. If you default on any part of this Agreement,\nyou agree to pay us all costs to collect your Account, including court\ncosts and reasonable attorney fees whether or not there is a lawsuit,\nand fees on any appeal and fees for bankruptcy proceedings, appeals,\nand any post judgment collection services, if applicable. These fee and\ncosts may be added to your Account balance and will bear interest at\nthe Interest Rate in effect at that time. We can delay enforcing any\nright under this Agreement without losing that right or any other right.\nWe will notify you in writing of any such action as soon as practical if it\noccurs.\n13. CREDIT INFORMATION/FINANCIAL STATEMENTS. You\nauthorize us to release information to others (e.g., credit bureaus,\nmerchants, and other financial institutions) regarding the status and\nhistory of your Credit Line. You agree to provide us, at any time we\ndeem necessary, with a current financial statement and/or a new credit\napplication upon request. We may investigate your credit directly or\nthrough a credit reporting agency.\n14. GOVERNING LAW. This Agreement will not take effect until it is\napproved by us. This Agreement shall be governed by the laws of the\nState of Washington. If any provision of this Agreement is held invalid,\nthe remaining provisions that are severable shall remain in effect.\n15. ACKNOWLEDGMENT AND AMENDMENTS. You understand and\nagree to the terms and conditions in this Agreement and the Fair Credit\nBilling Notice. You acknowledge that you have received a copy of this\nAgreement and Account Disclosures including the Fair Credit Billing\nNotice. We reserve the right to amend the terms of this Agreement at\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\nany time as permitted by and subject to any limitations and notice\nrequirements of applicable law.\n16. BILLING ERRORS NOTICE. Your Billing Credit Card Billing\nRights. Keep This Notice for Future Use.\nWhat To Do If You Find A Mistake On Your Statement. If you think\nthere is an error on your statement, write to us at: STCU, PO Box\n1954, Spokane, WA 99210-1954.\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe\nit is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand 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.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have\nalready corrected the error.\nWithin 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill is\ncorrect.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question or report you\nas delinquent on that amount.\nThe charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\nIf 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 you\nas delinquent if you do not pay the amount we think you\nowe.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us. If\nwe do not follow all of the rules above, you do not have to pay the first\n$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\npurchased 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\nMC1001 031121\n\n\x0cpay the remaining amount due on the purchase. To use this right, all of\nthe following must be true:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase 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.)\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n17. MILITARY LENDING DISCLOSURES. The following disclosures\nare provided and apply to the borrower who is a Covered Member as\ndescribed below.\n(a) Borrower Certification of Active Duty. By requesting a Credit\nCard each borrower certifies to the Credit Union that borrower: (i) is a\nCovered member as a member of the Armed Forces who is currently\nserving on active duty (under a call or order not less than 30 days)\nActive Guard or Reserve duty; and (ii) borrower is the Covered\nMember or is a dependent of the Covered Member. Borrower(s)\nauthorize the Credit Union to verify their status as a Covered Member\nor dependent by obtaining information from the database of the\nDepartment of Defense or from a consumer report obtained from a\nconsumer reporting agency.\n(b) Military Annual Percentage Rate. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36%. This\nrate must include, as applicable to the credit transaction or account:\nthe costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for a credit card\naccount); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n(c) Payment Obligation. Your payment obligation under your Credit\nCard Account is set forth in Section 1 and 4 above in the Credit Card\nAgreement.\n(d) Security Interest. The Credit Union's security interest in all your\nCredit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply to your Credit Card Account. A security\ninterest in shares or deposits granted in connection with any other\ncredit card account, loan or line does not secure the Credit Card\nAccount identified above, in spite of any provision that collateral\nsecuring one loan secures all of your other Credit Union obligations.\nHowever, if you establish a deposit or share account specifically in\nconnection with your Credit Card Account, funds deposited in that\naccount after you establish the Credit Card Account are subject to our\nsecurity interest as set forth above in the Credit Card Agreement.\n(e) Credit Union Toll-Free Telephone Number - (877) 304-1492. Call\nthis number for verbal information about the Military Annual\nPercentage Rate and your payment obligation.\n1001\n\n\xc2\xa9 2015 STCU / Farleigh Wada Witt\n\nMC1001 031121\n\n\x0c"