b'M-126718\n\nConsumer Credit Card Agreement and Disclosure Statement\nEffective Date 02/01/2021\n1.0 : ISSUER. Your Zions First National Bank Card has been issued by Zions Bancorporation, N.A. dba Zions First National\n\nBank. Your Account is with Zions Bancorporation, N.A. (\xe2\x80\x9cBank\xe2\x80\x9d) and will be administered by the Bank\xe2\x80\x99s Bankcard Services\ndepartment. Your Credit Card, monthly statement, and other associated materials will bear the Zions First National Bank,\nNational Bank of Arizona, Nevada State Bank, or Vectra Bank Colorado name.\n1.1 : THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bancorporation, N.A. that\ngoverns your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for your\ncredit card Account. This Consumer Credit Card Agreement includes the disclosures provided on the card carrier containing\nthe Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and constitutes your\nAgreement with us that covers your credit card Account. Review this Agreement carefully and keep it in your records.\n1.2 : ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier of\n(a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to decline this\nAgreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by calling 1-888-7585349 or writing to the address on the carrier containing your Card.\n1.3 : DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement and in\nyour monthly statement.\nBank: Means Zions Bancorporation, N.A., the issuer of your Card and holder of your Account.\nWe, us, and our: Refer to Bank.\nYou and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the\nprimary applicant and any co-applicant.\nAccount: Means your Visa or MasterCard credit card account, together with the associated account number, all that we grant\nunder that account, and all Card(s) issued and any Credit Card Checks made available under that account.\nCard Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.\nCard Application: Means your credit application for your Account.\nCard: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account.\nCredit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account.\nOutstanding Balance: Means the entire amount owing on your Account at any given time.\nCash Back: Is a cash-back rebate program of Bank for certain types of Accounts.\nCredit Card Checks: Means checks that Bank may provide you to access your Account.\nMargin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank\xe2\x80\x99s\ndetermination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you\nuse your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of such\nchange.\n1.4 : AMENDING THIS AGREEMENT. We may amend, add, or delete (i.e., \xe2\x80\x9cchange\xe2\x80\x9d) any term of this Agreement at any\ntime. We will notify you of any change, and any right to reject that change, as required by law. To reject a change, you must\ninform us in the manner and time period specified in our notice. We will then close your Account and you will be required to\npay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may obtain that consent\nfrom you verbally, in writing or electronically. Whether or not consent is required, any further use of your Account after the\neffective date of the change shall constitute your consent and acceptance. Unless a longer period is specified by law, a\nreasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be printed on, or enclosed\nwith, your monthly statement.\n1.5 : CREDIT LIMIT. Your Account\xe2\x80\x99s initial Credit Limit appears on the carrier containing your Card. Your updated Credit Limit\nappears on each monthly statement. You must not use or allow others to use your Card or Account in a way that causes your\nOutstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Credit\nLimit. We may increase or decrease your Credit Limit at any time and will notify you of such change. You may request a\nchange in your Credit Limit by contacting us.\n2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can require\nyou to surrender your Card to us, or to any merchant or financial institution where you have presented the Card. The Card is\nnot valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any time. You may\nrequest additional Cards at no additional cost for family members or other persons that you authorize to use your Account,\nbut you remain responsible for all of their charges.\n3.0 : USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card\n\nnetwork rules and the law, your Card and Account can be used for the following:\n\n\x0c3.1 : Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted.\n3.2 : Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any\n\nparticipating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank network or\nother participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances. Certain\ntransaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your Account to $500\n(or $2000 limit for Signature accounts) or less on any calendar day. Some ATMs have other limits. Cash Advances may not\nexceed 25% of Credit Limit (only applicable to AmaZing, Premier, Elite, Reserve, Agility Cash, Clarity, and Vivid Rewards\ncard products). Based on risk, we may further limit cash advances in our sole discretion. We have no obligation to you to\nenforce such transaction limits, and you owe all cash advances made. Using your Card to withdraw cash from an ATM\nlocated outside of the United States will create a cash advance from and charge to your credit card Account, even if you\nselect withdrawal from a checking, savings, or other type ofaccount. \xe2\x80\x9cQuasi-cash transactions\xe2\x80\x9d such as using your Card for\nmoney orders, traveler\xe2\x80\x99s checks, foreign currency, lottery tickets, or gambling chips are treated as cash advances, not\npurchases.\n3.3 : Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay off\nother debts to us. You may only make a balance transfer to pay accounts in your name. Allow 3 to 4 weeks to process your\nbalance transfer request. During that time, you should continue making payments to those accounts. Transaction Fees apply.\nYou will not earn any rewards points or cash back rebates on a balance transfer.\n3.4 : Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check creates\na cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank\xe2\x80\x99s property and must be returned upon\nrequest. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You cannot stop\npayment on a Credit Card Check.\n4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account during\nthe preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing period, your\nminimum payment due, your payment due date (which is at least 25 days from the monthly statement closing date), and other\nimportant information. We send your monthly statement to only one address, even if the Account has multiple owners. See\nthe \xe2\x80\x9cBILLING RIGHTS SUMMARY\xe2\x80\x9d section near the end of this Agreement for important information (including the need to\npromptly review your monthly statement and report any errors).\n5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period\nappears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your monthly statement. The Outstanding Balance at the end of the previous billing period\nis called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d. The New Balance is determined by taking the Previous Balance and (1) subtracting any\npayments and credits received by us during the current billing period and then (2) adding any purchases, cash advances,\nbalance transfers, interest charges, fees, and other adjustments.\n6.0 : PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments must\n\nbe drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all conversion fees,\nbank collection fees and other expenses we may incur. (Such fees and expenses are treated as purchases.) Do not send\ncash payments.\n6.1 : Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received by\n5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in posting\nyour payment to your Account. Such delay may result in a late payment fee and additional interest charges.\n6.2 : Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the New\nBalance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2) the greater\nof: (a) $30 plus any late payment fees, or (b) 2.5% (1.75% for Agility Cash Credit Card, Clarity Credit Card, and Vivid\nRewards Credit Card) of the New Balance plus interest charges and any late payment fees. (ForVisa Signature Cards, in\naddition to the foregoing amounts, your minimum payment amount will include the full amount by which your New Balance\nexceeds your Credit Limit.) For all cards, making only the minimum payment will increase the amount of interest you\npay and the time it takes to repay your balance.\n6.3 : Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid\ninterest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), and then to each\nsuccessive balance bearing the next higher APR until the payment is exhausted. You must pay at least the minimum\npayment amount on your statement each month, even if you paid more than the minimum payment in an earlier month.\n6.4 : Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement (such\nas \xe2\x80\x9cpaid in full\xe2\x80\x9d or \xe2\x80\x9cin settlement\xe2\x80\x9d). We can receive and credit your Account with the amount of any late payments, partial\npayments or payments with restrictive endorsements without losing or waiving our right to receive timely payment in full.\n6.5 : Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk,\nhowever, we may delay when that payment increases your Account\xe2\x80\x99s available credit.\n6.6 : Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty.\n7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and Fees and other disclosures are found on the\nTable at the end of this agreement associated with your Card. The card carrier containing your Card also includes disclosures\nspecific to your Card Account. The terms of these disclosures are incorporated by reference into this Agreement. Review\nthese disclosures carefully and keep in your records.\n\n\x0c8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not\nreceived at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this\nAgreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have furnished\nfalse or misleading information on the Card Application; (e) you are in default under any other obligations you may owe to us;\nor (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this Agreement. If your\nAccount is in default, we may declare the Outstanding Balance immediately due and payable, close your Account, and\nrecover all Cards and unused Credit Card Checks.\n9.0: ATTORNEYS\xe2\x80\x99 FEES; COLLECTION EXPENSES; VENUE IN UTAH. You agree to pay our reasonable collection\nexpenses, whether or not any court or arbitration proceedings are filed. Collection expenses include reasonable attorneys\xe2\x80\x99\nfees, the cost of Bank staff (including in house counsel), and out of pocket expenses (whether or not such expenses are\nawardable as \xe2\x80\x9ccourt costs\xe2\x80\x9d). Unless prohibited by law, you agree that we may bring legal action against you in the State of\nUtah, regardless of where you reside.\n10.0 : INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the\n\nclosing of your Account.\n10.1 : Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic\ninterest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly statement\nby the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer from the date of\nthat purchase and balance transfer transaction. For every cash advance we charge interest from the date of that transaction.\nThere is no grace period during which a cash advance can be repaid without incurring an interest charge.\n10.2 : Periodic Interest Charge Calculation(s). The interest charged on purchase transactions and balance transfers is\ncalculated separately from the interest charged on cash advances. Those separately calculated interest amounts are then\ncombined to determine the total interest charged for the billing period. For each category of transactions, interest is calculated\nas follows. (1) First, we determine the \xe2\x80\x9caverage daily balance\xe2\x80\x9d by taking each day\xe2\x80\x99s beginning balance, adding any new\ntransactions, and subtracting any payments or credits. We do not add interest incurred during the billing period. The result is\nthe \xe2\x80\x9cdaily balance.\xe2\x80\x9d We then add all the daily balances for the billing period and divide by the number of days in the billing\nperiod. The result is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d (also called the \xe2\x80\x9cbalance subject to interest charge\xe2\x80\x9d on your monthly\nstatement). (2) Second, we multiply the average daily balance by the number of days in the billing period. That number is then\nmultiplied by the daily periodic rate (DPR) for that category of transactions. The resulting number is the interest charged for\nthat category of transactions. If you are charged interest, the minimum interest charge will be no less than $1.\n11.0 : ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) AND DAILY PERIODIC RATE (\xe2\x80\x9cDPR\xe2\x80\x9d). The APR and DPR for all\n\ntransactions are variable rates. The APR for a particular billing period is the sum of the Bank\xe2\x80\x99s \xe2\x80\x9cPrime Rate\xe2\x80\x9d for that billing\nperiod plus a \xe2\x80\x9cMargin.\xe2\x80\x9d The applicable Margin depends on the type of transaction and the type of credit card Account. Daily\nperiodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). The APR and DPR on\nthe Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and for each category of\ntransactions, is disclosed in your monthly statement.\n11.1 : \xe2\x80\x9cPrime Rate\xe2\x80\x9d and the \xe2\x80\x9cIndex\xe2\x80\x9d. The Prime Rate is equal to, and varies with, an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d). The\nIndex is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank\xe2\x80\x99s Prime Rate\nis the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar month in which\nthat billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the Index becomes\nunavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the amount of your\nminimum payment, will increase or decrease as the Index and Bank\xe2\x80\x99s Prime Rate increase or decrease. The resulting\nchanges in your APR and DPR will take effect on the first day of your billing cycle the following month. You acknowledge that\nthe Bank\xe2\x80\x99s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its customers, now or in the\nfuture.\n11.2 : Military Lending Act (MLA). The Military Lending Act provides protections for members of the Armed Forces and their\ndependents.\n11.2.1 : Statement of MAPR (Military Annual Percentage Rate). Federal law provides important protections to members of\nthe Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\n11.2.2 : Oral Disclosures. Before accepting this Agreement, in order to hear important disclosures and payment information\nabout this Agreement, you may contact us at 1-844-210-3601.\n11.2.3 : Applicability of Dispute Resolution Provision. The Jury Waiver, Class Action Waiver, and Arbitration Agreement in\nthe Dispute Resolution Provision set forth in this Agreement do not apply to Covered Borrowers.\n\n\x0c12.0 : ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the carrier\n\ncontaining your card.\n12.1 : Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when assessed,\nand added to the balance of the transaction.\n12.2 : Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the balance of\nthe transaction.\n12.3 : Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we\ncharge a late payment fee.\n12.4 : Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because it\ncannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item.\n12.5 : Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and\nevery twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in the\nTable that appears on the carrier containing your Card.\n12.6 : International Transaction Fee. Each international transaction will be assessed a fee of the U.S. dollar amount of the\ntransaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars from a\nforeign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars amount by Visa\nInternational or MasterCard International Incorporated (as applicable) using its procedures in effect at the time. Under current\nprocedures, the foreign currency conversion rate is either a wholesale market rate or a government mandated rate in effect\none day prior to the date the transaction is processed by Visa or MasterCard. The currency conversion rate in effect on the\nprocessing date may differ from the rate in effect on the transaction date or the posting date. This fee is added to the balance\nof the transaction.\n12.7 : Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge you a\nresearch fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item.\n12.8 : Expedited Card Delivery Fee and Emergency Card Fee. We may charge a fee if you request \xe2\x80\x9cexpedited delivery\xe2\x80\x9d of\na Card that requires an outside delivery service provider. We may also charge a fee if you request to personally obtain an\n\xe2\x80\x9cemergency Card\xe2\x80\x9d at our Bankcard Center that requires special card production. The current amounts of these fees will be\ndisclosed at the time of your requests and before you agree to incur the charges. These fees are charged to your Account as\na purchase.\n13.0 : Card Benefits.\n13.1 : Priority Pass Select \xe2\x80\x93 for Reserve Cards Only. Reserve cardholders have access to 5 (five) free airport lounge visits\n\nper membership year. Each member visit and each accompanying guest(s) visit applies against the free visit allowance. After\nthe free visits have been used, the member\xe2\x80\x99s Reserve credit card will be charged a lounge visit fee of $27 per person per visit\nfor the member and each guest. Lounge benefits, services, and facilities differ by location and may only be available at an\nadditional charge. For more information, refer to the Priority Pass Select Agreement.\n13.2 : Annual Travel Credit \xe2\x80\x93 for Reserve and Elite Cards Only. A statement credit will automatically be applied to your\naccount when your card is used for purchases in certain travel categories, up to an annual maximum of $250 for Reserve\ncards or $100 for Elite cards. Annual Travel Credits are refreshed once yearly, the day after the anniversary of your account\nopen date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental Cars, Hotels, Cruise\nLines, Travel Agencies, Airport Terminals, Global Entry, TSA Precheck, and Gogo Inflight Wi-Fi. Identification of qualified\npurchases is subject to merchants\xe2\x80\x99 billing. Statement credit(s) will post to your account within 3 days of the settled purchase\nand will appear on your monthly credit card billing statement within 1-2 billing cycles. With questions about your Annual Travel\nCredit, or when your next Annual Travel Credit will become available, call the number on the back of your card. To qualify,\npurchases must: 1) be completed using the full Visa 16-digit card number referenced during the Program period; 2) post to\nthe card account referenced during the Program period; 3) be identified as a qualifying purchase based on the information\navailable on Visa\xe2\x80\x99s proprietary network (VisaNet); The merchant must submit the purchase transaction under the appropriate\nmerchant code, industry code, or required service or product identifier for the purchase to the identified as a qualifying travel\npurchase. Your card must remain in good standing in order to receive the statement credit. Please allow 1-2 billing cycles to\nreceive your statement credit. Cardmembers are responsible for payment of all charges until the statement credit posts to the\naccount. Visa and Zions Bancorporation, N.A. reserve the right to modify or cancel this offer at any time and without notice.\n14.0 : ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD:\n14.1 : Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit\n\nappears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that\nwould at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance\neven if it exceeds your Credit Limit. The Bank may decrease your Credit Limit at any time and will notify you of such change.\nIn addition, you may request a change in your Credit Limit by writing to the address shown on your monthly statement or by\ncalling 1-800-494-1698.\n14.2 : Transfers: Not available on all Visa Signature cards, for cards with transfer capability the Card may be used at the\nATMs described above to make electronic transfers to or from your checking account, savings account or other consumer\nasset account you may have at the Bank (subject to the Bank\'s rules, regulations and agreements governing such accounts,\nwhich you should have already received and which are incorporated herein). You may request copies of these materials by\n\n\x0ccalling 1-888-758-5349. Transfers from your Card Account to your checking account, savings account or other consumer\nasset account will be treated as a cash advance subject to a Cash Advance Transaction Fee.\n14.3 : No Pre-Set Spending Limit: This Section 14.3 applies ONLY if you have a Visa Signature credit card OTHER\nTHAN the AmaZing Rewards\xc2\xae Signature, AmaZing Cash\xc2\xae Signature, Agility Cash Signature, Vivid Rewards\nSignature, Premier, Elite, or Reserve credit card. There is no pre-set spending limit onyour card; no pre-set spending\nlimit does not mean unlimited spending. You agree to pay in full each month any amount thatexceeds your Credit Limit.\nEach transaction that causes your new balance to exceed your Credit Limit will be evaluated for approval based on factors\nsuch as card fraud, account history, revolving balances, payment history, credit record, prior cashadvances, and safety and\nsoundness considerations.\n15.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have given the Bank a\nsecurity interest in a savings account at the Bank to secure payment of your Account. If you withdraw your funds from the\nsavings account, the Bank has the right to close your Account.\n16.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and individually\nliable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may send all monthly\nstatements and other notices to any one of you. Such monthly statements and notices shall be deemed received by each and\nall of you.\n17.0 : INTERPRETATION; EFFECT.\n17.1 : Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is\n\nclosed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is\npaid in full.\n17.2 : Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or\nintention of any portion of this Agreement.\n17.3 : Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be\ncontradicted with evidence of any alleged oral agreement.\n17.4 : Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain\nenforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.\n17.5 : Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not be\ndeemed to release, waive, impair or discharge those rights or obligations.\n17.6.: Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior written\npermission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you. This\nAgreement shall be binding upon the parties\xe2\x80\x99 heirs, representatives, successors, and assigns.\n17.7: GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED IN\nACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, REGARDLESS OF\nPRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD.\n18.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa\nU.S.A., MasterCard, its Members, or their respective contractors for the purpose of providing the services described in this\nAgreement, or emergency cash and emergency card replacement services.\n19.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account, Card\nor Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to conduct\ntransactions in any country or territory, or with any individual or entity, that is subject to economic sanctions administered and\nenforced by the U.S. Department of the Treasury\'s Office of Foreign Assets Control (OFAC); or (d) to gamble on the Internet.\nDisplay of a Visa logo, MasterCard logo, or other payment system logo by any person (e.g., an online merchant), or\nacceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, your\nAccount or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we believe\nmay be prohibited under this section. We may also block use of your Card in countries or territories subject to OFAC\nsanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.\n20.0: AGREEMENT TO PAY. You agree to timely pay your Outstanding Balance, regardless of whether the charges were\nincurred for personal, family, household, or business purposes. Your liability includes all charges made by all persons you\npermitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check -- even if you were\nunaware of the charges or they caused you to exceed your Credit Limit.\n21.0 : LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number, or Credit Card Checks are lost or stolen, or if\n\nyou think that someone used or may use them without permission, you agree to notify the Bank immediately by calling 1-888758-5349. You may need to provide the Bank with certain information in writing to help the Bank determine what happened.\nYou are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you notify the Bank\nof any fraudulent transactions.\n21.1 : Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if you\nnotify the Bank within two business days. In any case, your liability will not exceed $50.\n\n\x0c22.0: REFUSAL TO HONOR TRANSACTIONS. We are not responsible or liable for any claim arising from or related to: (a)\nthe refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or Credit Card\nCheck; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent provided in\n\xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior credit\nauthorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to use the\nCard in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order.\n23.0 : FINANCIAL AND CREDIT INFORMATION.\n23.1 : Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card Application.\n\n23.2: Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations\nabout you, and to disclose to others credit information about your Account and your performance under this Agreement. We\nmay ask credit bureaus for reports of your credit history. At your request, we will tell you whether or not we have requested\nsuch reports, and the names and addresses of the credit bureaus furnishing the reports. We may act through our agents, who\nmay act in our name or their own names.\n23.3: Negative Credit Reporting. You are hereby notified and agree that we may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in\nyour credit report. We may report through our agents (including but not limited to Zions Management Services Company)\nwho may act in our name or their own names. Please notify us if we report any inaccurate information about your Account(s)\nto a credit bureau. Your written notice describing the specific inaccuracy should be sent to us at the following address: Zions\nBank, Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125-0787.\n24.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home\naddress, or mailing address. Until you notify us of updated information, we can send statements, notices and other\ncommunications to the name and address in our records, and they will be deemed effectively delivered for all purposes. If\nyour mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can suspend\nmailing your statements, notices, and other communications until a valid address is received from you.\n25.0: CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing. We may close your\nAccount at any time without cause and without notice. When your Account is closed (whether by you or us), your right to use\nthe Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact\neveryone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.) to\ncancel future transactions. Such transactions may continue to be charged to your Account until you change the billing, and\nyou will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your Account\nafter you have requested to close your Account, we may (but are not required) allow the transaction to be charged to your\nAccount and you will be liable for the charges.\n26.0: VISA ACCOUNT UPDATER. Card accounts are automatically enrolled in the Visa Account Updater (VAU) feature\nrequired by Visa. This feature enables the electronic exchange of account information between Visa and participating\nmerchants to support payment continuity with credential-on-file merchants. Visa will securely provide updated credit card\ninformation when your Card is re-issued for any reason or is closed. Updates are not guaranteed before the next billing cycle;\nthe Bank is not responsible for late, missed, or recurring payments. To opt-out of the Visa Account Updater feature for your\ncard account, please contact the Bank by calling the number on the back of your card.\n27.0: DISPUTE RESOLUTION PROVISION.\nThis Dispute Resolution Provision contains a jury waiver, a class action waiver, and an arbitration agreement (or\njudicial reference agreement, as applicable), set out in four Sections. READ IT CAREFULLY. No portion of this Dispute\nResolution section shall be interpreted or applied in a manner prohibited by governing law, but all other portions shall remain\nin effect. Without limitation, no portion of this Dispute Resolution section shall require arbitration or other non-judicial\nprocedure to resolve any controversy or settle any claim arising out of any consumer credit transaction that is secured by a\ndwelling (including a home equity line of credit secured by the consumer\xe2\x80\x99s principal dwelling). The jury waiver, class action\nwaiver, and arbitration agreement in this Dispute Resolution provision do not apply to you if, as of the date of this\nagreement, you are a member of the Armed Forces or a dependent of such member entitled to protection under the\nFederal Military Lending Act.\n\nSECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES.\n27.1.1 : PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall\nsupersede and replace any prior \xe2\x80\x9cJury Waiver,\xe2\x80\x9d \xe2\x80\x9cClass Action Waiver,\xe2\x80\x9d \xe2\x80\x9cArbitration,\xe2\x80\x9d \xe2\x80\x9cJudicial Reference,\xe2\x80\x9d \xe2\x80\x9cDispute\nResolution,\xe2\x80\x9d or similar alternative dispute agreement or provision between or among the parties.\n27.1.2 : \xe2\x80\x9cDISPUTE\xe2\x80\x9d DEFINED. As used herein, the word \xe2\x80\x9cDispute\xe2\x80\x9d includes, without limitation, any claim by either party\n\nagainst the other party related to this Agreement, your Account, any transaction in your Account, any Card or a Credit Card\n\n\x0cCheck. \xe2\x80\x9cDispute\xe2\x80\x9d includes, but is not limited to, matters arising from or relating to a deposit account, an application for or\ndenial of credit, warranties and representations made by a party, the adequacy of a party\xe2\x80\x99s disclosures, enforcement of any\nand all of the obligations a party hereto may have to another party, compliance with applicable laws and/or regulations,\nperformance or services provided under any agreement by a party, including without limitation disputes based on or arising\nfrom any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a party hereto.\nIf a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior lienholder or\ntitle company), each party hereto agrees to consent to including that third party in any arbitration or judicial reference\nproceeding for resolving the Dispute with that third party.\n27.1.3 : JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in connection with\n\nany Dispute. All Disputes shall be decided by a judge sitting without a jury, unless submitted to binding arbitration pursuant\nto Section 2 or judicial reference pursuant to Section 3.\n27.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICIAL REFERENCE (A) IF A CONSUMER PARTY\nREQUESTS, OR (B) IF THE JURY TRIAL WAIVER IS NOT ENFORCED. A party who (in context of the Dispute) is a\nconsumer may timely elect to require that the Dispute be submitted as applicable to binding arbitration under Section 2 hereof\nor binding judicial reference under Section 3 hereof. In addition, if this Agreement\xe2\x80\x99s jury waiver is unenforceable by law, or\notherwise not enforced by a court exercising jurisdiction over the Dispute, then all parties hereby agree that the Dispute shall\nbe timely submitted as applicable to binding arbitration under Section 2 or binding judicial reference under Section 3. BY\nAGREEING TO RESOLVE SPECIFIED FUTURE DISPUTES IN ARBITRATION OR BY JUDICIAL REFERENCE, THE\nPARTIES ARE WAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN COURT.\nIn any lawsuit regarding a Dispute (a \xe2\x80\x9cLawsuit\xe2\x80\x9d), following the service of a complaint, third-party complaint, cross-claim or\ncounterclaim or any answer thereto, any amendment to any of the above, or a ruling or entry of an order that has the effect of\ninvalidating this Agreement\xe2\x80\x99s jury trial waiver (any of the foregoing, an \xe2\x80\x9cADR Event\xe2\x80\x9d), then at any time prior to trial of the\nDispute, but not later than 30 days after the ADR Event, any party shall be entitled to move the court for an order (on the\ngrounds set forth in the preceding paragraph) compelling arbitration under Section 2 or judicial reference under Section 3, as\napplicable, and staying or dismissing the Lawsuit pending such arbitration or judicial reference (an \xe2\x80\x9cADR Order\xe2\x80\x9d). A party that\ncommenced or participated in the Lawsuit may nevertheless demand arbitration or judicial reference of a Dispute after an\nADR Event. Commencement or participation in the Lawsuit shall not operate as a waiver of the right to compel arbitration or\njudicial reference. After entry of an ADR Order, the non-moving party shall commence the arbitration or judicial reference. The\nmoving party shall, at its discretion, also be entitled to commence arbitration or judicial reference but is under no obligation to\ndo so, and the moving party shall not in any way be adversely prejudiced by electing not to commence arbitration or judicial\nreference.\n27.1.5 : CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate any Dispute as a\n\nclass action (either as a member of a class or as a representative) or to act as a private attorney general. The waiver\nin this paragraph applies whether the proceeding is in a court, in an arbitration, or in a judicial reference proceeding.\nThis Agreement includes an arbitration agreement, which will have a substantial effect on your rights in the event of\na dispute with us. For example, if we elect to require you to arbitrate any claim, you will not have the right to a jury\ntrial or the right to participate in a class action in court or in arbitration. However, the arbitration agreement does not\napply if, as of the date of this agreement, you are a member of the armed forces or a dependent of such member\ncovered by the Federal Military Lending Act. Please see the section of this agreement labeled \xe2\x80\x9cMilitary Lending Act.\xe2\x80\x9d\n27.1.6 : SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or expiration of this\n\nAgreement, or any other relationship between the parties.\nSECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO ARBITRATION. This Section 2 governs Disputes\nthat are submitted for binding arbitration under subsection 27.1.4. This Section 2 shall not apply to any Dispute that is\npending in a state or federal court located in the State of California, except to the extent such Dispute may also be pending in\na state or federal court located outside of California. An arbitrator shall have no authority to determine the validity,\nenforceability, meaning and scope of this Dispute Resolution Provision, or (ii) class action claims brought by either party as a\nclass representative on behalf of others, or by a class representative on either party\xe2\x80\x99s behalf as a class member, which\nmatters may be determined only by a court without a jury.\nArbitration under this provision shall be conducted before a single arbitrator through either the National Arbitration Forum\n(\xe2\x80\x9cNAF\xe2\x80\x9d) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the initiating party, in accordance with the\nrules of NAF or JAMS (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). However, if the parties agree, a licensed attorney may be selected by the parties\nto conduct the arbitration without an Administrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and\nif the parties are unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then either\nparty may file a Lawsuit and move for an ADR Order. The arbitrator, howsoever appointed, shall have expertise in the subject\n\n\x0cmatter of the Dispute. Venue for the arbitration proceeding shall be as stated elsewhere in this Agreement with respect to any\njudicial proceedings between the parties. Absent such a provision, the arbitration shall be conducted at a location determined\nby mutual agreement of the parties or by the Administrator if no agreement can be reached. The arbitrator shall apply the law\nof the state specified in the agreement giving rise to the Dispute.\nIn any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay one half of the\nAdministrator\'s initial filing fee, up to $500. If Lender or Bank commences arbitration or is the moving party obtaining an ADR\nOrder, Lender or Bank shall pay all Administrator and arbitrator fees, regardless of whether or not the consumer is the\nprevailing party in such arbitration, unless such Dispute involves a claim for damages by a consumer and is found by the\narbitrator to be frivolous. For this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than $75,000.\nThe Administrator and the arbitrator shall have the authority, to the extent practicable, to take any reasonable action to\nrequire the arbitration proceeding to be completed within 180 days of commencing the arbitration. The arbitrator: (i) will render\na decision and any award applying applicable law; (ii) will hear and rule on appropriate dispositive motions for judgment on\nthe pleadings, for failure to state a claim, or for full or partial summary judgment; (iii) will give effect to any statutory or\ncontractual limitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall have the\nauthority to impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the\narbitrator, including, without limitation, the sanction of entering a final award against the party that fails to comply; (v) shall\nhave authority to award costs and fees (including attorneys\' fees and costs, arbitration administration fees and costs, and\narbitrator(s)\' fees) to the extent permitted by law; (vi) shall recognize and honor claims of privilege recognized at law; and (vii)\nwith regard to motions and the arbitration hearing, shall apply the Federal Rules of Evidence. The doctrines of compulsory\ncounterclaim, res judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder.\nCommencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and obtaining from a\ncourt of competent jurisdiction (notwithstanding ongoing arbitration) provisional or ancillary remedies including but not limited\nto injunctive relief, temporary restraining orders, property preservation orders, foreclosure, sequestration, eviction,\nattachment, replevin, garnishment, and/or the appointment of a receiver; or (ii) availing itself of any self-help remedies such\nas setoff and repossession rights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a\nwaiver of the right to submit any Dispute to arbitration.\nJudgment upon an arbitration award may be entered in any court having jurisdiction except that, if the arbitration award\nexceeds $200,000, any party shall be entitled to a de novo appeal of the award before a panel of three arbitrators. To allow\nfor such appeal, if the award (including Administrator, arbitrator, and attorney\xe2\x80\x99s fees and costs) exceeds $200,000, the\narbitrator will issue a written, reasoned decision supporting the award, including a statement of authority and its application to\nthe Dispute. A request for de novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration\naward; if such a request is not made within that time period, the arbitration award shall become final and binding. On appeal,\nthe arbitrators shall review the award de novo, meaning that they shall reach their own findings of fact and conclusions of law\nrather than deferring in any manner to the original arbitrator. Appeal of an arbitration award shall be pursuant to the rules of\nthe Administrator; if the Administrator has no such rules, then the JAMS arbitration appellate rules shall apply.\nTo request information on how to submit an arbitration claim, or to request a copy of an Administrator\xe2\x80\x99s rules or fee schedule,\nplease contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, Irvine, CA 92614, Phone: (949) 224-1810,\nFax: (949) 224-1818, E-mail: info@jamsadr.com, Website: www.jamsadr.com; NAF: National Arbitration Forum, P.O.\nBox 50191, Minneapolis, MN 55405-0191, Phone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com.\nArbitration under this provision concerns a transaction involving interstate commerce and shall be governed by the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7 1 et seq. If the terms of this Section 2 vary from the Administrator\xe2\x80\x99s rules, this Section 2 shall\ncontrol.\nSECTION 3: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO JUDICIAL REFERENCE. This Section 3 governs\nDisputes that are submitted under subsection 27.1.4 for judicial reference in accordance with California Code of Civil\nProcedure, Section 638, et seq. This Section 3 may be invoked only with regard to Disputes filed in state or federal courts\nlocated in the State of California. In no event shall this Section 3 diminish the force or effect of any venue selection or\njurisdiction provision in this Agreement or any Related Document. Nothing herein shall preclude a party from moving (prior to\nthe court ordering judicial reference) to dismiss, stay or transfer the suit to a forum outside California on grounds that\nCalifornia is an improper, inconvenient or less suitable venue. If such motion is granted, this Section 3 shall not apply to any\nproceedings in the new forum.\nThe referee shall be a retired judge, agreed upon by the parties, from either the American Arbitration Association (AAA) or\nJudicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot agree on the referee, the party who initially\nselected the reference procedure shall request a panel of ten retired judges from either AAA or JAMS, and the court shall\nselect the referee from that panel. If AAA and JAMS are unavailable to provide this service, the court may select a referee by\n\n\x0csuch other procedures as are used by that court. The referee shall be appointed to sit with all of the powers provided by law,\nincluding the power to hear and determine any or all of the issues in the proceeding, whether of fact or of law, and to report a\nstatement of decision. Only for this Section 3, \xe2\x80\x9cDispute\xe2\x80\x9d includes matters regarding the validity, enforceability, meaning, or\nscope of this Section, and class action claims brought by either party as a class representative on behalf of others and claims\nby a class representative on either party\xe2\x80\x99s behalf as a class member. The parties agree that time is of the essence in\nconducting the judicial reference proceeding set forth herein. Except as otherwise provided in this paragraph, the costs of the\njudicial reference proceeding, including the fee for the court reporter, shall be borne equally by the parties as the costs are\nincurred, unless otherwise awarded by the referee. If Lender or Bank commences a judicial reference proceeding regarding a\nconsumer Dispute, Lender or Bank shall pay all referee fees, regardless of whether or not the consumer is the prevailing\nparty in such proceeding, unless such Dispute involves a claim for damages by a consumer and is found by the referee to be\nfrivolous. For purposes of this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or services provided by\nLender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than $75,000.\nThe referee shall hear all pre-trial and post-trial matters (including without limitation requests for equitable relief), prepare a\nstatement of decision with written findings of fact and conclusions of law and apportion costs as appropriate. The referee shall\nbe empowered to enter equitable relief as well as legal relief, provide all temporary or provisional remedies, enter equitable\norders that are binding on the parties and rule on any motion that would be authorized in a trial, including without limitation\nmotions for summary adjudication. Judgment upon the award shall be entered in the court in which such proceeding was\ncommenced and all parties shall have full rights of appeal. This provision will not be deemed to limit or constrain Lender\xe2\x80\x99s or\nBank\xe2\x80\x99s right of offset, to obtain provisional or ancillary remedies, to interplead funds in the event of a dispute, to exercise any\nsecurity interest or lien Bank or Lender may hold in property, or to comply with legal process involving accounts or other\nproperty held by Bank or Lender.\nSECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not\nseek to enforce a jury waiver, class action waiver, arbitration provision or judicial reference provision in the event of suit, and\n(ii) acknowledges that it and the other party have been induced to enter into this Agreement by, among other things, material\nreliance upon the mutual waivers, agreements, and certifications in the four Sections of this DISPUTE RESOLUTION\nPROVISION.\n28.0 : BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank\'s\n\nresponsibilities under the Fair Credit Billing Act.\n28.1 : Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more\ninformation about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights\nSummary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the first\nbill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we will not\nbe required to investigate any potential errors. In your letter, include the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The date and dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error, and explain if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\nIf you have authorized us to pay your Account automatically from your savings or checking account or you have authorized an\nautomatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop the payment your\nletter must reach us three business days before the automatic payment is scheduled to occur.\n28.2 : Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter\nwithin 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue\nto bill you for the amount you question, including interest charges, and we can apply any unpaid amount against your Credit\nLimit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of\nyour bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges related\nto any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay interest charges, and you will have to make any\nmissed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the\ndate that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to\nthat you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect\nthe first $50 of the questioned amount, even if your bill was correct.\n28.3 : Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with your Card and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be\ntrue:\n\n\x0c(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that access your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nBankcard Services\nP.O. Box 25787\nSalt Lake City, UT 84125-0787\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nRevised 02/01/2021\n\nM-126718\n\nA division of Zions Bancorporation, N.A. Member FDIC\n\n\x0cADDENDUM 1 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards:\nAmaZing Cash\xc2\xae or AmaZing Cash\xc2\xae Visa Signature, AmaZing Rewards\xc2\xae or AmaZing Rewards\xc2\xae Visa Signature, AmaZing\nRate\xc2\xae, AmaZing Launch\xc2\xae Credit Card (this product is no longer offered), AmaZing Launch\xc2\xae Secured Credit Card.\nInterest Rates and Interest Charges\nPurchases Annual\nPercentage Rate (APR)\n\nPrime Rate + 5.99% to Prime Rate + 15.99% based on the\ncard type and your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nPrime Rate + 5.99% to Prime Rate + 15.99% based on the card type and your\ncreditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 16.99% to Prime Rate + 18.99%\nThese APRs will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases and balance transfers if you pay your entire balance due by\nthe due date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Account Fee\n\n$25 for AmaZing Secured Launch Card.\nNone for all other card types named in this Table.\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational\nTransaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in U.S. dollars\nor converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $25\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 2 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards: Vivid\nRewards, Agility Cash, and Clarity credit cards.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% intro APR for 6 months from date of Card Account opening. After that,\nyour APR will be:\n\nPrime Rate + 9.00% to Prime Rate + 21.00% for Vivid\nRewards and Agility Cash Cards\n\nPrime Rate + 6.50% to Prime Rate + 15.50% for Clarity\nAPR for Balance Transfers\n\nCards\nThese APRs will vary with the market based on the Prime Rate.\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00% intro APR: for 12 months on Vivid Rewards and Agility Cash; for 15 months on\nClarity on balance(s) transferred from a non-Zions Bancorporation, N.A. account.\nAfter that, your balance transfer APR will be:\nPrime Rate + 6.50% to Prime Rate + 21.00%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions Bancorporation,\nN.A. Credit Card Account to a new Agility Cash, Clarity, or Vivid Rewards product.\n\nPrime Rate + 18.00% to Prime Rate + 22.00%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\nTransaction Fees:\n\nNone\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10\n\n\xe2\x96\xaa\n\nCash Advance\n\n4% of the amount of each transaction, but not less than $10 for Vivid and Agility\nCards\n3% of the amount of each transaction, but not less than $10 for Clarity Cards\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35 for Vivid and Agility Cards; None for Clarity Cards\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $30 for Vivid and Agility Cards; None for Clarity Cards\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 3 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards: Premier,\nElite, and Reserve.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 10.99% to Prime Rate + 18.99% for\nPremier and Elite Cards\n\nPrime Rate + 10.99% to Prime Rate + 20.99% for\nReserve Cards\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00 % intro APR for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account. After that, your balance transfer APR will be:\nPrime Rate + 10.99% to Prime Rate + 20.99%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions\nBancorporation, N.A. Credit Card Account to a new Premium product.\n\nPrime Rate + 19.99% to Prime Rate + 20.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nPremier: $95 (waived first year)\nElite: $195\nReserve: $450; $50 per year for each additional person on account\n\nTransaction Fees:\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nCash Advance\n\n5% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $35\n\nPriority Pass Select Fees:\n(for Reserve cards only)\n\xe2\x96\xaa\n\nMembership Fee\n\n$0\n\n\xe2\x96\xaa\n\nLounge Access Fee\n\n$27 per person per visit after your five (5) complimentary visits per 12-month Priority\nPass Select Membership period.\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 4 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards:\nWealth Management Premier, Elite, and Reserve.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 10.99% to Prime Rate + 18.99% for\nPremier and Elite Cards\n\nPrime Rate + 9.99% for Reserve Cards\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00 % intro APR for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account. After that, your balance transfer APR will be:\nPrime Rate + 9.99% to Prime Rate + 18.99%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions\nBancorporation, N.A. Credit Card Account to a new Premium product.\n\nPrime Rate + 19.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nPremier: $95 (waived first year)\nElite: $195 (waived first year)\nReserve: $450; $50 per year for each additional person on account\n\nTransaction Fees:\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $5\n\n\xe2\x96\xaa\n\nCash Advance\n\n5% of the amount of each transaction, but not less than $10\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $35\n\nPriority Pass Select Fees:\n(for Reserve cards only)\n\xe2\x96\xaa\n\nMembership Fee\n\n$0\n\n\xe2\x96\xaa\n\nLounge Access Fee\n\n$27 per person per visit after your five (5) complimentary visits per 12-month Priority\nPass Select Membership period.\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 5 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards:\nVisa Signature and Visa Reserve Credit Cards. These products are no longer offered.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 4.00% for Visa Signature\nPrime Rate + 5.00% for Visa Reserve\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 45 days of your Card Account opening date:\nPrime Rate + 0.74% intro APR for 12 months on balance(s) transferred from a nonNational Bank of Arizona account. After the 45-day and intro period, your balance\ntransfer APR will be:\nPrime Rate + 15.99%\nPrime Rate + 3.75% on balances transferred from your existing National Bank of\nArizona Credit Card Account.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 15.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of the transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the transfer amount but not less than $5 (no maximum) for transfer(s) posted\nto your account within 45 days of your account opening date. Thereafter, transfers\nposted to your account will be subject to a fee of 2% of the transfer amount but not\nless than $5 or more than $50.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\n2% of the U.S dollar amount of the transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $25\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHOW WE WILL CALCULATE YOUR BALANCE: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d. See your account agreement for more details.\nBILLING RIGHTS: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 6 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards:\nLow-Rate Platinum, Visa Signature, Visa Platinum, Visa Reserve, Visa Classic, and MasterCard Credit Cards. These\nproducts are no longer offered.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPrime Rate + 3.75% for Low-Rate Platinum\nPrime Rate + 4.00% for Visa Signature\nPrime Rate + 5.00% for Visa Platinum, Secured Classic, and Visa\nReserve\n\nPrime Rate + 9.00% for Visa Classic and MasterCard\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPrime Rate + 3.75% for Low-Rate Platinum\nPrime Rate + 4.00% for Visa Signature\nPrime Rate + 5.00% for Visa Platinum, Secured Classic, and Visa\nReserve\n\nPrime Rate + 9.00% for Visa Classic and MasterCard\nThis APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\n\nPrime Rate + 15.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of each transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n2% of each transfer amount but not less than $5 or more than $50.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\n2% of the U.S dollar amount of each transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $25\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 7 \xe2\x80\x93 Disclosure Statement for National Bank of Arizona\nThis Addendum applies to the following Zions Bancorporation, N.A. dba National Bank of Arizona credit cards:\nPhoenix Suns AmaZing Rewards\xc2\xae Credit Card. This product is no longer offered.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 7.99%\n\nto Prime Rate + 16.99% for AmaZing\nRewards or AmaZing Rewards Visa Signature credit cards, based on your\ncreditworthiness.\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nFor the following intro APRs to apply, balance transfer request(s) must be received\nwithin 90 days of your new Card Account opening date.\n0.00% intro APR for 12 months on balance(s) transferred from a non-National Bank of\nArizona account. After the 90-day and intro period, your balance transfer APR will be:\nPrime Rate + 7.99% to Prime Rate + 16.99% depending on the APR applicable\nto your Card Account.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 16.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases and balance transfers if you pay your entire balance due\nby the due date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\nNone\n\nTransaction Fees:\n\xe2\x96\xaa\n\nAll Other Balance\nTransfers\n\n\xe2\x96\xaa\n\nCash Advance\n\nInternational Transactions\nPenalty Fees:\n\xe2\x96\xaa\nLate Payment\n\xe2\x96\xaa\n\n\xe2\x96\xaa\n\nReturned Payment\n\n3% of the amount of each transaction, but not less than $10.\n3% of the amount of each transaction, but not less than $10.\n3% of the U.S dollar amount of each transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\nUp to $25\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0c'


b'Alliant Cashback Visa\xc2\xae Signature Card Disclosure\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n12.24% to 22.24% based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n12.24% to 22.24% based on your creditworthiness. This APR will vary with\n\nAPR for Cash Advances\n\n20.24%-24.24% This APR will vary with the market based on the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\n25.24% This APR will vary with the market based on the Prime Rate. This APR may be\napplied to your account if you make a late payment; make a payment that is returned;\nor do any of the above on another account that you have with us.\nHow Long Will the Penalty APR Apply? If your APR(s) is increased for the reason\nstated above, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\n\nHow to Avoid Paying Interest\non Purchases\n\nTo avoid an additional interest charge on the balance of purchases and balance\ntransfers, you must pay the entire balance on the billing statement by the payment\ndue date of that statement or 25 days from the statement closing date listed on\nthat statement, whichever is longer. You will be charged interest on cash advances\nbeginning on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nthe market based on the Prime Rate.\n\nFees\nAnnual Fee\n\nWaived for the first year, $99 thereafter\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\n\xe2\x80\xa2 \x07None.\n\xe2\x80\xa23\n\x07 % of the amount of each transfer.\n\xe2\x80\xa2E\n\x07 ither $10 or 3% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Return Payment\n\xe2\x80\xa2 Over Limit\n\n\xe2\x80\xa2 Up to $27.\n\xe2\x80\xa2 Up to $27.\n\xe2\x80\xa2 None.\n\nThe information about the costs of the card described in this disclosure is accurate as of July 29, 2020. This information may\nhave changed after that date. To find out what may have changed, call us at 800-328-1935 or write to us at Alliant Credit Union,\n11545 W. Touhy Avenue, Chicago, IL 60666.\nHow Alliant Calculates Your Balance: Alliant uses a method called Average Daily Balance, which includes new purchases,\ncash advances, and balance transfers. See the Finance Charges section in the Alliant Cashback Visa Signature Card\nAgreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing\nRights section of the Alliant Cashback Visa Signature Card Agreement.\nYour Annual Percentage Rate (APR) may vary quarterly and is based on the Prime Rate. Your APR is determined by adding\na margin of: 8.99%-18.99% on purchases and balance transfers, 16.99%-20.99% on cash advances, and 21.99% on Penalty\nAPR to the Prime Rate for the Alliant Cashback Visa Signature Card. The Prime Rate Index used to determine your APR is\nthe highest rate published in The Wall Street Journal during the last business day of the previous calendar quarter (March,\nJune, September and December), and changes are effective as of the first day of your next billing cycle. Any increase in the\nprime rate may increase your interest and minimum payment. (See the Alliant Cashback Visa Signature Card Agreement for\ncomplete details.)\nIntroductory rate and incentive offers, including cash back, are not available to those members who had an\noutstanding balance on a closed Alliant Visa credit card account and/or had an Alliant Visa credit card within the last\nsix months. If you are in an introductory rate promotion period, you are not eligible to transfer Visa accounts until the\nintroductory rate promotion has expired.\nALLIANT CASHBACK VISA\xc2\xae SIGNATURE CARD PROGRAM SUMMARY\nAlliant Cashback Visa Signature Card Agreement Summary: Your APR is based on meeting Alliant Credit Union\xe2\x80\x99s criteria\nfor creditworthiness. Alliant will review your credit and employment history and any other information permitted by law to\nprocess your application. The credit line on this account will be determined after a review of your application by Alliant and\nwill be based on various factors, including income. The minimum approved credit line is $10,000. Alliant maintains the right\nto not open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet\nAlliant\xe2\x80\x99s standards for creditworthiness; b) your name and/or mailing address on the credit application have been altered; c)\nthe income you reported on the application is insufficient to support the opening of this account; or d) you do not meet Alliant\nmembership eligibility requirements. You have the right to review your credit history by contacting the credit\nreporting agencies.\nChange in APRs, Fees and Other Terms: Alliant may change the APRs, fees and other terms of your account at any time\nin accordance with applicable law, the Alliant Cashback Visa Signature Card Agreement and the Alliant Cashback Visa\nSignature Card Program Terms & Conditions (Program) available at www.alliantcreditunion.org/bank/visa-signature-card.\nP390.1-R07/20\n\n\x0cFactors we may consider for determining whether and how to change your terms include, but are not limited to, a late\npayment or an extension of credit that exceeds the credit limit, the frequency and severity of defaults and other indications\nof risk on accounts with Alliant Credit Union and other creditors. To the extent allowed by law, the new terms will affect all\noutstanding balances. If we increase your APRs for any reason other than an increase in the Prime Rate, the new APRs will\napply only to new transactions you make after we notify you of the change in writing.\nAnnual Fee: Your annual fee for the card is $99; the first year\xe2\x80\x99s fee is waived. The fee will be charged to your card annually on\nthe 3rd business day of the month following your anniversary date. For example, if your application is approved on April 15,\n2019, regardless of activation or first use, your annual fee will be charged on the 3rd business day in May starting 2020. You\nwill incur the annual fee even if you don\xe2\x80\x99t have a balance. The annual fee is subject to change; you will be notified of a rate\nincrease as required by applicable law.\nMinimum Payments: The minimum monthly payment is 3% of your balance, or $25, whichever is greater, plus the amount of\nany prior minimum payments that you have not made. See the Alliant Cashback Visa Signature Card Agreement for complete\ndetails. Alliant will also add any past due amount to your minimum payment. If your account charges off, the entire balance is\ndue immediately.\nTransferability: This offer is nontransferable and is void to residents of GU, PR, VI and all other U.S. dependent areas.\nAlliant Cashback Visa Signature Card Program Terms and Conditions Summary: Eligible Alliant Cashback Visa Signature\naccounts earn 2.5% cash back on qualifying personal, family, or household purpose purchases, minus returns, the cardholder\ncharges to his/her eligible Alliant Cashback Visa Signature Card as provided for in the Program rules. Cash back will be\nawarded on eligible purchases up to $10,000 spend per billing cycle. Cash back is not eligible on Finance Charges, fees, cash\nadvances (including purchase of crypto currency and foreign currency), convenience checks, Debt Protection charges, PINbased purchases, payment of existing card balances, balance transfers, ATM transactions, Interlink-processed transactions,\npurchases of and any fees paid towards gift cards, pre-paid cards, re-loadable cards, or payments made for payment\ninstruments that can readily be converted to cash (for example, travelers\xe2\x80\x99 cheques, money orders, wire transfers, lottery\ntickets, casino gaming chips, off-track betting, wagers) or impermissible purchases such as purchases made for business\npurposes. Cash back in this Program may not be used with any other offer, promotion or discount; cannot be earned from,\ntransferred to or combined with any other member\xe2\x80\x99s credit card or debit card account(s) points for redemption; and cannot\nbe used to satisfy any minimum monthly payment obligation on the cardholder\xe2\x80\x99s account. Cash back can be redeemed at a\nminimum of $50 per redemption transaction.\nForfeiture of cash back rewards. If for any reason your account is closed, including but not limited to moving to another\nAlliant credit card, you will lose your unredeemed cash back balance immediately. We reserve the right to disqualify any\naccountholder from participation in this rewards Program in the event of fraud, abuse of Program privileges, or violation of\nthe Terms and Conditions as determined by the sole judgment of Alliant Credit Union. Such termination may result in the\nforfeiture of any accumulated cash back rewards.\nAccrual and Expiration of Cashback Reward: Cash back will accrue over five calendar years and will expire on a rolling,\nfirst-in\xe2\x80\x93first-out, annual basis; cash back earned in a calendar year will expire in December of the fourth calendar year\nfollowing the year it was earned. For example, any unredeemed cash back that you earned in 2016 will expire on your\nDecember 2020 statement closing date; unredeemed cash back earned in 2017 will expire on your December 2021\nstatement closing date, etc.\nPlease refer to the Alliant Cashback Visa Signature Card Program Terms & Conditions at\nalliantcreditunion.org/bank/visa-signature-card for complete details.\nMilitary Lending Act (MLA): Important Information for Covered Borrowers under the Military Lending Act, Effective October\n3, 2017 \xe2\x80\x93 Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear this\nMilitary Lending Act disclosure and the payment obligations thereunder, call toll free at 1-844-228-3303.\nCalifornia Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be\nliable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your\ncredit obligations. Married applicants may apply for credit separately.\nNew York and Vermont Residents: Alliant Credit Union may obtain your credit reports, for any legitimate purpose associated\nwith the account or the application or request for an account, including but not limited to reviewing, modifying, renewing\nand collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given\nthe name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York\nState Department of Financial Services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.\nOhio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy members\nand that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights\nCommission administers these laws.\nMassachusetts Residents: You have the right to prohibit the use of information about you contained in your file with any\nconsumer reporting agency in connection with any credit transactions that you have not initiated. You can exercise this right\nby contacting consumer reporting agencies through their toll-free notification systems established for this purpose.\nMarried Wisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to\nmarital property will adversely affect a creditor\xe2\x80\x99s interest unless prior to the time credit is granted, the creditor is furnished with\na copy of the agreement, statement or court order, or has actual knowledge of the provision.\n\nVisa is a registered trademark of Visa International Service Association.\n\nP390.1-R07/20\n\n\x0c'