b'Lane Health HSA Advance Feature\nDisclosures and Agreement\nYou are eligible to take advantage of the Advance feature offered through your Lane Health\nHealth Savings Account (\xe2\x80\x9cHSA\xe2\x80\x9d). The Advance feature is a line of credit to your HSA. The\nline of credit is offered by WebBank, Member FDIC. Read these Disclosures and Agreement\nand keep them for your records.\nNote that you must activate the Advance feature in order to use it. Instructions on how to\nactivate the feature are set forth below.\nChanging the Agreement - We may change this Agreement, subject to applicable law. We may\ndo this in response to the business, legal or competitive environment. This written Agreement is\na final expression of the agreement governing the Account. The written Agreement may not be\ncontradicted by any alleged oral agreement. Changes to some terms may require advance notice,\nand we will tell you in the notice if you have the right to reject a change.\nSummary of Rates and Fees\n\n\x0cThis Agreement\nThis Agreement, which includes the disclosure table provided above and this entire Disclosures\nand Agreement document, is the contract that governs your use of the Advance feature. In this\nAgreement, the words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to WebBank, Member FDIC, and the words\n\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to the individual that established a Lane Health HSA. The word\n\xe2\x80\x9cAccount\xe2\x80\x9d refers to the account we establish for the Advance feature, and the word \xe2\x80\x9cAdvance\xe2\x80\x9d\nmeans an extension of credit from us on your Account.\nPromise to Pay\nYou, solely in your capacity as the fiduciary of the Lane Health HSA, agree to pay us for all\namounts due on your Account, including each Advance and the fees set forth in this Agreement.\nIn addition, you also agree and authorize (in your individual capacity and not as the fiduciary of\nthe Lane Health HSA) us and your employer\xe2\x80\x99s payroll administrator the right to make deductions\nfrom your payroll for contributions to your Lane Health HSA in the amounts and at the times\nnecessary to allow the Lane Health HSA to make all payments required by this Agreement.\nBinding Agreement\nThis Agreement is binding and takes effect when you activate your Account or when you obtain\nan Advance.\nHow the Advance Feature Works\nAn Advance allows you to pay medical expenses with pre-tax dollars through your HSA even\nwhen your current HSA balance is not sufficient to cover those expenses. In the event of a\nreturn or refund, the money goes back to the HSA and is then used to pay down the Advance.\nThe payment to the Advance will be equal to the return or refund received. Once you activate the\nAdvance feature, if you use your HSA debit card for a medical expense and don\xe2\x80\x99t have sufficient\nfunds in your HSA, WebBank will arrange to make a loan to your HSA to cover that expense up\nto your approved Advance Limit (discussed below).\nAfter activation, Advances are available to you on the first day of your health plan year and\nremain available through the entire year. You can receive multiple Advances per year, up to\nyour Advance Limit. Your Account will be available for Advances the next year unless your\nbenefits arrangement changes.\nWe will combine each draw that you take in any one payroll period into a single aggregate\nAdvance that must be repaid in accordance with this Agreement. For this purpose, a payroll\nperiod is the period starting on one pay day and ending on the day before the next pay day.\nHowever, if you have a pay day every week, then the payroll period is the period starting on one\npay day and ending on the day before the second subsequent pay day.\nYou may only obtain Advances by using your HSA debit card. Only purchases for [qualified\nmedical expenses] are permitted. You may not set up recurring payments with Advances.\n\n\x0cAdvances are the only transactions allowed on this Account. You may not obtain Advances\noutside the United States or in any currency other than U.S. dollars.\nYou are not permitted to allow any other person to obtain an Advance. However, if you do, that\nAdvance will be subject to all of the terms of this Agreement.\nRefusal of the Card\nWe don\xe2\x80\x99t guarantee approval of Advances. We are not liable for those that aren\xe2\x80\x99t approved, even\nif you have enough available credit on your Account. If we detect unusual or suspicious activity,\nwe may suspend your credit privileges. We also may limit the number of Advances approved in\na single day.\nRepaying Advances\nRepayment through HSA Contributions: Each Advance is a loan to your HSA. The HSA repays\nthe Advance and associated fees through contributions you make to your HSA through payroll\ndeductions.\nAfter each payroll period where you took an Advance, you authorize an HSA payroll deduction\ncontribution for each payroll period over the next 12 months as necessary to pay the Advance\nand any required fees. The monthly deductions that you authorize are in the amounts necessary\nto repay the Advance in equal payments over each payroll period in the next 12 months, and in\naddition the amount necessary to pay the fees provided in this Agreement. Each pay period you\nmust contribute toward repayment at least $10 or, if greater, $3 for each Advance with a balance\nduring that pay period, which may result in paying an Advance sooner than in 12 months. You\nagree to not reduce these revised HSA payroll deduction contributions until each Advance is\nfully repaid.\nEach payment is applied to the Advance on the date of the paycheck from which the contribution\nis made and reduces the balance of that Advance on that same day.\nPre-Payments: You can choose to repay the Advance over a period shorter than 12 months by\nvisiting the Lane Health Portal at BeWell.lanehealth.com, emailing us at\nWeCare@lanehealth.com or calling us at (833) 302-5263. If you have multiple outstanding\nAdvances, unless you tell us otherwise, your prepayment will be used to retire the Advance with\nthe lowest balance.\nOn Termination of Employment: If you have any outstanding Advance balance and you have\ngiven or received notice of termination of your employment, you will notify us within 24 hours\nof such notice by emailing us at WeCare@lanehealth.com or calling us at (833) 302-5263.\nWhen you terminate employment, in order to permit the convenient repayment of all outstanding\nAdvances, you grant us and your employer\xe2\x80\x99s payroll administrator the right to withhold the full\noutstanding balance of all Advances from your final paycheck, including any amounts pertaining\nto severance, unpaid vacation, or other monies you are due at the end of your employment, as\npermitted by the applicable state laws and regulations. If your outstanding Advances are not\nrepaid in full from your final paycheck, you must continue to make payments until each Advance\n\n\x0cis paid in full on the same schedule as your payroll periods immediately prior to the termination\nof employment. You may also opt to repay your advance upon termination of employment\nthrough another method, such as a personal banking account via ACH or check so long as you\nprovide us the alternative method of repayment prior to the processing date for your final\npaycheck.\nDuring a Leave of Absence: If you plan to take a leave of absence from your job (and no longer\nhave a paycheck from which to deduct HSA contributions) while you have an outstanding\nAdvance balance, please notify Lane Health before you leave begins by emailing us at\nWeCare@lanehealth.com or calling us at (833) 302-5263. You may opt to either pay off your\nAdvance balance from your last paycheck preceding your leave (through increased HSA\ncontributions) or provide bank account information in order to continue paying the Periodic\nFinance Fees when due, which will continue to be assessed every 75 days until all outstanding\nAdvance balance are paid off. You do not have to make principal payments while on leave.\nWhen you return to active employment, your principal and Periodic Finance Fee payments\nthrough HSA contributions will resume as previously scheduled.\nYour Advance Limit\nYour Advance Limit is set based on criteria including tenure of employment, compensation, and\nmax annual contribution amount for the current year. Your personal Advance Limit is specified\nin your Welcome Letter. You may request a higher Advance Limit by contacting Lane Health\nmember services at WeCare@lanehealth.com or (833)302-LANE and we will assist you in the\nevaluation process. You may not request transactions that exceed the Advance Limit.\nIn addition, federal law limits the amount of contributions you may make to your HSA during\nany year. We will not permit you to take an Advance if that Advance would result in\ncontributions in excess of the limit. However, if you make additional contributions to your HSA,\nthen you may reach the annual limit before repaying your Advances. If that happens, you must\nnotify us and you must make payments directly to us in the same amount as the payroll\ndeductions. In this case, your payments must be made in post-tax dollars.\nFees\nOrigination and Periodic Finance Fees:\nYour HSA pays 5% of the aggregate Advance amount (all Advances made during a payroll\nperiod) through your contribution in your first paycheck (or second paycheck for weekly\npayrolls) following the payroll period in which the Advance occurred. This is the \xe2\x80\x9cOrigination\nFee.\xe2\x80\x9d\nYour HSA also pays, through your contributions, a Periodic Finance Fee that is charged every 75\ndays and due on the date of your next paycheck that is at least 14 days after the Periodic Finance\nFee is charged. For each outstanding Advance, the Periodic Finance Fee charged is based on\naverage daily balance of that Advance over the previous 75 days and is tiered based on that\naverage daily Advance Balance as follows:\n\n\x0cWe calculate the average daily balance of each Advance by adding up the balance of that\nAdvance on each of the 75 days and dividing the total by 75.\nIf an Advance is repaid before the Periodic Finance Fee is assessed, that fee will not be charged.\nBoth fees are calculated and included in the revised HSA Contribution per pay period.\nFor example, if you have a $1,000 Advance you will pay a $50 Origination Fee pre-tax. You\nwill also pay a pre-tax Periodic Finance Fee of $20, $20, $10, and $5 in the four quarters,\nequaling $105 in total fees.\nLate Fees: A late fee of $30 will be charged for any principal payments that are 30 days\noverdue.\n***\nNotification and Statements\nWe will notify you through email when an Advance is made on your behalf. You can also find\ninformation on Lane Health\xe2\x80\x99s member portal at BeWell.lanehealth.com.\nWe will send you a statement on your Account each payroll period, except when not required by\napplicable law. We will send you a statement 14 days before the payday on which your principal\npayment, through your HSA contribution, is due. This statement will describe your then\noutstanding Advance balance, your HSA contributions and the principal and fee repayments\nmade through those HSA contributions. Paper statements will be sent to your mailing address\non record unless you opt into electronic statements by visiting the Lane Health portal at\nBeWell.lanehealth.com or calling us at (833) 302-5263.\n\n\x0cActivating the Advance Feature and Opting Out\nYou must activate the Advance feature before you will be able to receive an Advance.\nAfter you receive your debit card separately in the mail, you must activate the Advance feature\nby either logging onto the Lane Health portal at BeWell.lanehealth.com or calling (833) 3025263.\nWhen you activate the Advance feature, you are agreeing to the terms and conditions\ndescribed in this document and confirming that you have reviewed the Fees in light of the\nservice provided to you by the Advance feature and believe them to be reasonable.\nAfter activation, you may decide to close your Account and opt-out or turn off the Advance\nfeature at any time by calling us at (833) 302-5263 or logging into your member portal at\nBeWell.lanehealth.com. If you do so, you will no longer receive new Advances, but you will\nstill be required to repay your existing Advance balance and Fees as described above.\nDefault and Account Closure\nDefault. We may require immediate payment of your total Account balance, to the extent\nallowed by law, if any of the following occurs:\n1. You don\xe2\x80\x99t pay at least the minimum amount due by the due date.\n2. Any payment made to us is returned for insufficient funds or any other reason.\n3. You file for bankruptcy or some other insolvency proceeding is filed by or against you.\n4. You don\xe2\x80\x99t honor the terms of this Agreement.\n5. You\xe2\x80\x99re declared incompetent or mentally incapacitated, or in the event of your death.\nClosing or Suspending Your Account. We may close or suspend the Account if any of the events\nlisted above occur, or for any reason, or for no reason. We may do this at any time, without\nnotifying you, as allowed by law. You also may close your Account at any time by notifying us\nby telephone or in writing. If we close or suspend your Account, or if you close your Account,\nthe Account balance must be paid in accordance with this Agreement.\nCredit Reporting\nYou allow us to get information about you. We get it from Consumer Reporting Agencies and\nother sources that provide consumer financial information. You allow us to use it for:\n\xe2\x80\xa2 Renewal of your Account;\n\xe2\x80\xa2 Credit limit increases or decreases;\n\xe2\x80\xa2 Administration or review of your Account, collection and any other servicing;\n\xe2\x80\xa2 All other credit-related purposes connected with this Agreement; and\n\xe2\x80\xa2 Other uses permitted by law.\n\n\x0cWe may report Account information in your name, as well as information about you to\nConsumer Reporting Agencies. The information we provide may appear on your credit reports.\nThis can include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Overlimit Amounts;\n\xe2\x80\xa2 Returned Payments; and\n\xe2\x80\xa2 Other violations of this Agreement.\nIf you think we\xe2\x80\x99ve given incorrect information to a Consumer Reporting Agency about you,\ncontact us and we\xe2\x80\x99ll research it. We\xe2\x80\x99ll let you know if we agree or disagree with you. If we agree\nwith you, we\xe2\x80\x99ll contact each Consumer Reporting Agency we reported to and request a\ncorrection.\n\nChanges to Account Information\nYou provided certain personal information to us when you opened your Account. You agree to\nnotify us if this information changes. If you don\xe2\x80\x99t, or if we ask you to verify your Account\ninformation and you cannot, we may suspend or close your Account. Consent for\nCommunications\nYou expressly consent and agree to receive communications (including but not limited to\nprerecorded or artificial voice message calls, text messages, and calls made by an automatic\ntelephone dialing system) from us, our affiliates, successors and assigns, and designated thirdparty service providers acting on our behalf, regarding any loan or account application that you\nsubmit or attempt to submit to us, any loan that you obtain from or through us, and any account\nthat you establish with us, at any telephone number that you provide to us or that we can\nreasonably associate with you (through skip trace, caller ID capture or other means), now and in\nthe future, including cellular telephone numbers. You agree to notify us if any telephone number\nassociated with any such application, loan, or account, changes or is reassigned to a new\nsubscriber. You certify that you are authorized to provide this consent because you are either the\nsubscriber of the telephone number you provide or a non-subscriber customary user with\nauthority to provide this consent. Standard communication rates, fees, and charges from your\ntelephone service provider may apply. You agree that we may monitor and record any\ncommunications between you and us for quality assurance and other permitted business\npurposes. You understand and agree that we may always communicate with you in any manner\nallowed by law that does not require your consent.\n\nChanges to this Agreement\nWe may change this Agreement for any reason and at any time, subject to applicable law. This\nmeans that we can change fees that apply to your Account. It also means we can add, replace or\n\n\x0cremove provisions of this Agreement. If required by applicable law, we\xe2\x80\x99ll give you notice of the\nchanges. If you have the right to reject a change, we\xe2\x80\x99ll notify you and tell you how to reject. If\nwe notify you of a change, we may do so on your statement or send you a separate written\nnotice, either of which may be sent electronically if permitted by applicable law.\nAssignment\nWe may assign any or all of our rights and obligations under this Agreement to a third party.\nYou may not sell, assign or transfer your Account or any of your obligations under this\nAgreement.\nService Providers\nOur service providers, including Lane Health, may contact you, and may exercise some or all of\nour rights under this Agreement.\nGoverning Law\nFederal law and, to the extent that state law applies and is not preempted, the law of Utah govern\nthe terms and enforcement of this Agreement.\nEnforcing this Agreement\nWe won\xe2\x80\x99t lose our rights under this Agreement because we delay in enforcing them or fail to\nenforce them. If any provision of this Agreement is found to be unenforceable, all other\nprovisions of the Agreement will remain in effect.\nCollection Costs\nTo the extent allowed by law, you\xe2\x80\x99re liable to us for our legal costs if we refer collection of your\nAccount to a lawyer who isn\xe2\x80\x99t our salaried employee. These costs may include reasonable\nattorneys\xe2\x80\x99 fees, as well as costs and expenses of any legal action.\nUnforeseen Circumstances\nFrom time to time, our services might be unavailable due to circumstances beyond our control\n(such as fires, floods, natural disasters, pandemics, system failures or other unpredictable\nevents). When this happens, you might not be able to obtain an Advance or obtain information\nabout your Account. We\xe2\x80\x99re not responsible or liable if this happens.\nLost or Stolen Card.\nYou must call us if your debit card is lost or stolen. Also, you must call us if you think someone\nhas used or may use the card without permission.\nHeadings.\nThe headings in this Agreement are included as a matter of convenience and don\xe2\x80\x99t define, limit\nor enlarge the scope of this Agreement or any of its provisions.\n\n\x0cMilitary Lending Act Disclosure\nThe Advance program issued by WebBank, Member FDIC through Lane Health is a consumer\ncredit product. Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection 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\ncertain participation fees for a credit card account). To receive this disclosure verbally over the\nphone, please call us toll-free at (833) 302-5263. The arbitration addendum included in this card\nagreement does not apply to an MLA covered borrower. Neither Lane Health nor WebBank will\nrequire an MLA covered borrower to submit to mandatory binding arbitration.\n\nArbitration Agreement.\nRESOLUTION OF DISPUTES: PLEASE READ THIS PROVISION CAREFULLY. THIS\nARBITRATION PROVISION AFFECTS YOUR RIGHTS AND WILL IMPACT HOW ANY\nLEGAL CLAIMS BETWEEN YOU AND US (AS FURTHER DEFINED BELOW) ARE\nRESOLVED UNLESS YOU SPECIFICALLY OPT OUT OF THE ARBITRATION\nREQUIREMENT IN ACCORDANCE WITH SECTION (b) BELOW. IF YOU ARE A\n"COVERED BORROWER" AS DEFINED BY THE MILITARY LENDING ACT (32 C.F.R. \xc2\xa7\n232, AS AMENDED FROM TIME TO TIME), THIS SECTION (ARBITRATION\nAGREEMENT) IS NOT APPLICABLE TO YOU AND YOU DO NOT NEED TO TAKE\nFURTHER ACTION TO OPT OUT. FOR PURPOSES OF THIS SECTION (ARBITRATION\nAGREEMENT), THE TERMS \xe2\x80\x9cWE,\xe2\x80\x9d \xe2\x80\x9cUS\xe2\x80\x9d AND \xe2\x80\x9cOUR\xe2\x80\x9d MEAN WEBBANK, LANE\nHEALTH INC., AND/OR THEIR RESPECTIVE AFFILIATES, RELATED PERSONS OR\nENTITIES, AND ANY PREDECESSORS AND SUCCESSORS IN INTEREST; ANY\nSUBSEQUENT HOLDER OF THIS AGREEMENT; AND ANY ASSIGNEE OF ANY\nCORRESPONDING RIGHT UNDER THIS AGREEMENT.\nIN THE EVENT OF A LEGAL DISPUTE BOTH YOU AND WE HAVE A RIGHT TO\nLITIGATE ANY CLAIMS IN COURT BEFORE A JUDGE OR JURY. HOWEVER,\nSUBJECT TO YOUR RIGHT TO OPT OUT UNDER SECTION (b), YOU AND WE HEREBY\nEXPRESSLY WAIVE OUR RIGHTS TO LITIGATE IN STATE OR FEDERAL COURT AND\nAGREE THAT ANY CONTROVERSY OR CLAIM ARISING OUT OF THIS LOAN\nAGREEMENT SHALL BE RESOLVED THROUGH BINDING ARBITRATION AS SET\nFORTH BELOW (WITH THE LIMITED EXCEPTION SET FORTH IN SUBSECTION (a)\nRELATING TO SMALL CLAIMS COURT).\na. Disputes Subject to Arbitration: Subject to your right to expressly opt out of this\nArbitration Agreement as set forth in subsection (b), any dispute, controversy or claim\narising out of or relating in any way to relationship between you and us, the Agreement,\n\n\x0cincluding without limitation any dispute concerning the construction, validity,\ninterpretation, enforceability or breach of the Agreement, any service provided by us\n(including but not limited to the Site and Lane Health Platform), any application, draw\nrequest or other communications whether couched in tort, contract or statutory or or\nconstitutional law and whether seeking monetary or injunctive or declaratory relief (a\n\xe2\x80\x9cClaim\xe2\x80\x9d) shall be exclusively resolved by binding arbitration upon a party\xe2\x80\x99s submission\nof the dispute to arbitration as detailed below. Notwithstanding the above, the parties\nexpressly agree that if you bring an individual Claim for monetary damages in small\nclaims court and for as long as the Claim remains an individual (non-class, nonrepresentative) cause of action and seeks only monetary relief on your individual behalf,\nthis mandatory arbitration provision will not apply to such Claim.\nBecause the Agreement is made pursuant to a transaction in interstate commerce this\nArbitration Agreement is governed by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7 1, et seq.\nb. Opt-Out Procedure. You may opt out of this Arbitration Agreement for all purposes by\nsending an arbitration opt-out notice to Lane Health Inc P.O. Box 95882, South Jordan\nUT 84095, Attention: Legal/Compliance Department, which must be received at the\nspecified address within 30 days of the date of your electronic acceptance of the\nAgreement. The opt-out notice must clearly state that you are opting out of arbitration;\nidentify the Agreement to which it applies by account number; provide your name,\naddress, and social security number; and be signed by you. You may send an opt-out\nnotice by mail, delivery service (e.g., FedEx), or courier but you are solely responsible\nfor its delivery to the specified address within the specified time. No other methods can\nbe used to opt out of this Arbitration Agreement. If the opt-out notice is sent on your\nbehalf by a third party, such third party must include evidence of his or her authority to\nsubmit the opt-out notice on your behalf. If you opt out of this Arbitration Agreement, all\nother parts of the Agreement will continue to apply.\nc. Pre-Arbitration Notice of Dispute. If a Claim arises, our goal is to learn about and\naddress your concerns and, if we are unable to do so to your satisfaction, to provide you\nwith a neutral and cost-effective means of resolving the dispute quickly. Before filing any\nclaim in arbitration, you may notify us of a Claim or dispute you may have by sending an\nemail to WeCare@LaneHealth.com at any time, or by calling (833) 302-LANE (5263)\nfrom Mon-Fri 8:00 AM to 8:00 PM ET.\nd. Arbitration Procedures. All legal and procedural issues are for the arbitrator(s) to\ndecide, except issues relating to arbitrability, the scope or enforceability of this\nArbitration Agreement, or the interpretation or enforceability of Section (f) below\n(Prohibition of Class and Representative Actions and Non-Individualized Relief) which\nissues shall be resolved by a court of competent jurisdiction to decide.\nThe party initiating arbitration shall do so with the American Arbitration Association (the\n"AAA") or JAMS. The arbitration shall be conducted according to, and the location of\nthe arbitration shall be determined in accordance with, the rules and policies of the\nadministrator selected, except to the extent such rules or policies conflict with this\n\n\x0cArbitration Agreement or any countervailing applicable law. If you have any questions\nconcerning the AAA or would like to obtain a copy of the AAA arbitration rules, you\nmay call 1(800) 778-7879 or visit the AAA\'s web site at: BeWell.adr.org. If you have any\nquestions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules,\nyou may call 1(800) 352-5267 or visit JAMS\'s web site at: BeWell.jamsadr.com. In the\ncase of a conflict between the rules and policies of the administrator and this Arbitration\nAgreement, this Arbitration Agreement shall control, subject to countervailing applicable\nlaw, unless all parties to the arbitration consent to have the rules and policies of the\nadministrator apply. If neither the AAA nor JAMS is available to administer the\narbitration, then either you or we may petition a court for appointment of an arbitrator.\nIf the value of the relief sought is $10,000 or less, you or we may elect to have the\narbitration conducted by telephone or based solely on written submissions, which election\nshall be binding on you and us subject to the discretion of the arbitrator(s) to require an\nin-person hearing if the circumstances warrant. Attendance at an in-person hearing may\nbe made by telephone by you and/or us unless the arbitrator(s) requires otherwise.\nExcept to the extent preempted, superseded, or supplemented by Federal law, the\narbitrator(s) will apply the substantive law of the State of Utah, without regard to\nprinciples of conflicts of law, to any dispute or Claim in arbitration, including recognized\nprinciples of equity, and will honor all claims of privilege recognized by law. The\narbitrator shall take steps to reasonably protect confidential information. The award of the\narbitrator(s) shall be final and binding, and judgment on the award may be entered in any\ncourt of competent jurisdiction.\ne. Costs of Arbitration. If we elect arbitration, we shall pay all the administrator\'s filing\ncosts and administrative fees (other than hearing fees). If you elect arbitration, filing costs\nand administrative fees (other than hearing fees) shall be paid in accordance with the\nrules of the administrator selected, or in accordance with countervailing applicable law, if\ncontrary to the administrator\'s rules. We shall pay the administrator\'s hearing fees for up\nto one full day of arbitration hearings. Fees for hearings that exceed one day will be paid\nby the party requesting the hearing, unless the administrator\'s rules or applicable law\nrequire otherwise, you request that we pay them and we agree to do so, or you are able to\ndemonstrate to the arbitrator(s) that the costs of accessing arbitration will be prohibitive\nas compared to the costs of accessing a court for purposes of pursuing litigation on an\nindividual basis. Each party shall bear the expense of its own attorneys\' fees, except as\notherwise provided by countervailing applicable law.\nf. Prohibition of Class and Representative Actions and Non-Individualized Relief. NO\nARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR\nCOLLECTIVE BASIS (INCLUDING AS A PRIVATE ATTORNEY GENERAL\nACTION ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT\nARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN\nASSERTED OR COULD HAVE BEEN ASSERTED IN COURT ON A PURPORTED\nCLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. YOU AND WE ALSO\nAGREE NOT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY\n\n\x0cPURPORTED CLASS OR REPRESENTATIVE ACTION AGAINST US OR YOU.\nUNLESS CONSENTED TO IN WRITING BY ALL PARTIES TO THE\nARBITRATION: (1) NO PARTY TO THE ARBITRATION MAY JOIN,\nCONSOLIDATE, OR OTHERWISE BRING CLAIMS FOR OR ON BEHALF OF\nTWO OR MORE INDIVIDUALS OR ENTITIES IN THE SAME ARBITRATION\nUNLESS THOSE PERSONS OR ENTITIES ARE PARTIES TO A SINGLE\nTRANSACTION, AND (2) AN AWARD IN ARBITRATION SHALL DETERMINE\nTHE RIGHTS AND OBLIGATIONS OF THE NAMED PARTIES ONLY, AND ONLY\nWITH RESPECT TO THE CLAIMS IN ARBITRATION, AND SHALL NOT (A)\nDETERMINE THE RIGHTS, OBLIGATIONS, OR INTERESTS OF ANYONE\nOTHER THAN A NAMED PARTY, OR RESOLVE ANY CLAIM OF ANYONE\nOTHER THAN A NAMED PARTY; NOR (B) MAKE AN AWARD FOR THE\nBENEFIT OF, OR AGAINST, ANYONE OTHER THAN A NAMED PARTY. NO\nADMINISTRATOR OR ARBITRATOR SHALL HAVE THE POWER OR\nAUTHORITY TO WAIVE, MODIFY, OR FAIL TO ENFORCE THIS SECTION (F),\nAND ANY ATTEMPT TO DO SO, WHETHER BY RULE, POLICY, ARBITRATION\nDECISION OR OTHERWISE, SHALL BE INVALID AND UNENFORCEABLE. ANY\nCHALLENGE TO THE VALIDITY OF THIS SECTION (F) SHALL BE\nDETERMINED EXCLUSIVELY BY A COURT OF COMPETENT JURISDICTION\nAND NOT BY THE ADMINISTRATOR OR ANY ARBITRATOR.\ng. Survival and Severability. This Arbitration Agreement shall survive (i) the suspension,\ntermination, revocation, closure of, or amendments to, the Agreement, and/or the\nrelationship between you and us; (ii) the bankruptcy or insolvency of you or us or any\nother person; and (iii) any transfer or assignment of the Agreement or any rights under\nthe Agreement to any other person or entity.\nIf any portion of this Arbitration Agreement other than Section (f) is deemed invalid or\nunenforceable, the remaining portions of this Arbitration Agreement shall nevertheless\nremain valid and in force. If a court decides that any of the provisions of Section (f)\nabove is invalid or unenforceable because it would prevent the exercise of a nonwaivable\nright to pursue public injunctive relief and that decision is not overturned after any rights\nto appeal are exhausted, then any dispute regarding the entitlement to such relief (and\nonly that form of relief) must be severed from arbitration and may be litigated in court.\nAlso, if a court decides that any of the provisions of Section (f) above is invalid or\nunenforceable for any other reason and that decision is not overturned after any rights to\nappeal are exhausted, then any dispute or Claim that may not be arbitrated in accordance\nwith the provisions of Section (f) that are held to be invalid or unenforceable must be\nsevered from arbitration and may be litigated in court. For the sake of clarity, in no event\nshall any court decision finding a provision of Section (f) invalid or unenforceable be\ndeemed to authorize an arbitrator to determine Claims or make awards beyond those\nauthorized in this Arbitration Agreement.\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.\n\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:\nLane Health\nP.O. Box 95882\nSouth Jordan UT 84095\nIn your letter, give us the following information:\n\xe2\x97\x8f Account information: Your name and account number.\n\xe2\x97\x8f Dollar amount: The dollar amount of the suspected error.\n\xe2\x97\x8f Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x97\x8f Within 60 days after the error appeared on your statement.\n\xe2\x97\x8f At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\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 letter. We will\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\n\x0c\xe2\x97\x8f We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x97\x8f The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x97\x8f While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x97\x8f We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x97\x8f If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x97\x8f If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe, and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount, we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to\nwhom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us. If we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\n\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,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement, we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us\ninwriting at:\nLane Health\nP.O. Box 95882\nSouth Jordan UT 84095\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'LGE Community Credit Union\n\nCREDIT CARD AGREEMENT\n\nP.O. Box 1188\nMarietta, GA 30061-9974\n770-424-0060\nwww.lgeccu.org\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS LGE COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to 25% of\nyour maximum credit limit. You agree not to present your Card or obtain a\ncash advance for any extension of credit in excess of your available credit\nlimit; however, if you do exceed your credit limit, you agree to make\nimmediate payment sufficient to bring the balance below the credit limit.\nCertain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide\nidentification. If our system is not working, we may not be able to authorize a\ntransaction, even though you have sufficient credit available. Also, for security\nreasons, we may block the use of your Card in certain countries or geographic\nareas. We will have no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\n9011 LASER FPDF FI16162 Rev 5-2021\n\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (770) 424-0060. You agree to follow up your call\nwith notice in writing to us at: LGE Community Credit Union, Attn: Support\nServices Department, P.O. Box 1188, Marietta, GA 30061-9974. You also\nagree to assist us in determining the facts, circumstances and other pertinent\ninformation relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with\nour investigation. You will be liable for any unauthorized use only if we can\nprove that you were negligent in your use or handling of your Card, or if we\ncan prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS LGE COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time), even if you are located in the\nUnited States. An international/foreign transaction is any transaction that you\ncomplete or a merchant completes on your card outside of the United States.\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\n9011 LASER FPDF FI16162 Rev 5-2021\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. If you have\nentered into a mandatory arbitration agreement in connection with this credit\ncard: if any provisions within this Agreement pertaining to jurisdiction and\nvenue are inconsistent with the arbitration agreement, the arbitration\nagreement will govern. Operating regulations of Visa may also apply. This\nAgreement is the contract that applies to all transactions even though the\nsales, cash advance, convenience check, credit or other slips you sign or\nreceive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-932-1172, option 2, followed by option 6 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto 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\nyour letter. 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\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We 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 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\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 may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot 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.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit 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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER FPDF FI16162 Rev 5-2021\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA GOLD/VISA CLASSIC\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 LBS Financial 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\nto each 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.\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 3.00% 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.\nYou 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 new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of\nthat 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 (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\nMarch 1, 2020\n\n10401000-MXC30-P-1-112117 (MXC303-E)\n\n\x0cand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction 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 outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying 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\nare 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 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw.\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 P.O. Box 4860, Long\nBeach, CA, 90804-0860 or call Us at 800.527.3328, Monday through Friday 8:30 a.m. to 7:00 p.m. Pacific Time or\n800.527.3328, Saturday 8:30 a.m. to 5:00 p.m. Pacific Time or 866.333.4740, seven days a week after business hours.\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.\nPage 2 of 5\n\nMarch 1, 2020\n\n10401000-MXC30-P-1-112117 (MXC303-E)\n\n\x0cArizona, 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.\n17. 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\nCalifornia.\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. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\nPage 3 of 5\n\nMarch 1, 2020\n\n10401000-MXC30-P-1-112117 (MXC303-E)\n\n\x0c24. 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.\n25. 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.\n26. 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.\n27. 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.\n28. 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. 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\n\nMarch 1, 2020\n\n10401000-MXC30-P-1-112117 (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\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\n\nMarch 1, 2020\n\n10401000-MXC30-P-1-112117 (MXC303-E)\n\n\x0c'