b"FLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nThe Fly Miles PlusTM Reward Program (the \xe2\x80\x9cProgram\xe2\x80\x9d) Terms and Conditions are separate from the terms of the San\nDiego County Credit Union (\xe2\x80\x9cSDCCU\xc2\xae\xe2\x80\x9d) Consumer Credit Card Agreement between SDCCU and cardholder (the\n\xe2\x80\x9cCardholder\xe2\x80\x9d). However, any claim arising from or relating to participation in the Program is subject to the arbitration\nprovisions of the Consumer Credit Card Agreement, which require that any and all disputes are subject to binding\narbitration. Changes to the Program may happen at any time without notice and without restriction or penalty. When any\nchange is made, we will post revisions on the SDCCU website and on the Program website. For the most current list of\nrewards available through the Program (\xe2\x80\x9cRewards\xe2\x80\x9d), point balances, and to redeem points for Rewards, please visit the\nsecure Program redemption website. To access the redemption website, a Cardholder may log into such Cardholder\xe2\x80\x99s\nSDCCU Internet Branch online banking account, select \xe2\x80\x9cSelf Service\xe2\x80\x9d, click \xe2\x80\x9cFly Miles Plus,\xe2\x80\x9d select the card with the points\nto be redeemed and then select \xe2\x80\x9cRedeem.\xe2\x80\x9d\nThis Program may be modified, suspended or cancelled and the redemption value of already accumulated points may be\nchanged at any time without notice and without restriction or penalty. SDCCU reserves the right to change the point\naccrual and retention period from time to time. Changes to the Program may include, but are not limited to, modifications\nwhich (i) increase or decrease the point value for every net purchase dollar charged and (ii) expire points based on the\npoint term, age and expiration date of the selected option(s). Cardholder will be notified of point accrual and/or point\nexpiration Program changes. Contact SDCCU for details on applicable accumulation options which are then in effect. This\nProgram is void where prohibited or restricted by federal, state or local law. Cardholder is responsible for any federal,\nstate or local income, sales, use or other taxes or gratuities.\nThe Program is administered by TSYS LOYALTY, an independent company that is not affiliated with SDCCU. To protect\nour members\xe2\x80\x99 privacy, SDCCU only works with companies that agree to maintain strong confidentiality practices. We limit\nthe type and use of information shared. In addition, these companies are contractually restricted from disclosing the\ninformation to other third parties. TSYS LOYALTY assists SDCCU with administration of the Program, including\nmaintaining and servicing points for Rewards and fulfilling Cardholder Reward redemptions. Neither SDCCU nor TSYS\nLOYALTY shall be liable for any bodily harm and/or property damage, or consequential damages that may result from\nparticipation in the Program or of any provider's provision of or failure to provide any of the services or benefits of the\nProgram, for any reason. TSYS LOYALTY assumes all liability and responsibility for the provision of, or failure to provide\nthe stated services defined as administrative services, travel reservations and issuance of travel documentation.\nELIGIBILITY\nProgram eligibility is restricted to individuals who maintain a credit card account in good standing issued by SDCCU.\nCardholders must have a valid address within the United States. Points in the Program may not be used with any other\noffer, promotion or discount, cannot be earned from or transferred to, any other charge, credit card, or other accounts.\nSDCCU reserves the right to approve, deny or revoke a Cardholder\xe2\x80\x99s participation in the Program. In the event a\nCardholder\xe2\x80\x99s participation is revoked, such Cardholder\xe2\x80\x99s points will be forfeited. Questions as to what constitutes Program\neligibility or a qualifying transaction, as well as any exceptions, are at the sole discretion of SDCCU. Fraud or abuse\nrelating to the accrual of points or redemption of Rewards may result in forfeiture of accrued points as well as cancellation\nof membership in the Program.\nThere is a $35 non-refundable annual participation fee, which will be assessed, regardless of whether the Cardholder\nearns any points. The annual fee is waived for the first year. Each year thereafter, SDCCU will waive the annual fee if the\nCardholder's net purchases totaled more than $6,000 during the previous year. \xe2\x80\x9cNet purchases\xe2\x80\x9d mean purchases of goods\nand services made by Cardholder or ay authorized user of Cardholder\xe2\x80\x99s account minus any returns or refunds. The annual\nfee is charged to the Cardholder's SDCCU Visa\xc2\xae credit card on the anniversary of the Cardholder\xe2\x80\x99s enrollment date in Fly\nMiles Plus. Membership will be renewed automatically each year as long as the account is in good standing, unless the\nCardholder notifies SDCCU of cancellation in writing at least forty-five (45) days prior to the anniversary of the\nCardholder\xe2\x80\x99s enrollment date in the Program. Once participation has been cancelled, points may not be redeemed and\nwill be forfeited.\nEARNING POINTS\nCardholder will earn one reward point (\xe2\x80\x9cPoint\xe2\x80\x9d) for each $1 of net purchases on the enrolled SDCCU account. The\nmaximum accumulation of Points earned on net purchases is 120,000 Points per enrollment year. This maximum does\nnot include Points earned as a result of certain bonus Points. Point accrual will begin upon the enrollment date in the\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 1 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nProgram. No retroactive Points will be awarded. Enrollment date is defined as the first business day after the day in which\nthe Cardholder is approved as a Program member.\nCardholder\xe2\x80\x99s statements will include the number of Points earned, subject to adjustment as provided for in these Terms\nand Conditions. Points will be deducted from Cardholder\xe2\x80\x99s current total of Points earned for corresponding retail purchase\nreturns posted to the Cardholder\xe2\x80\x99s account. Accounts may be charged for the difference in the event the Cardholder has\nalready redeemed unearned Points. Amounts currently in dispute and purchases made in violation of law or the terms\ngoverning the Cardholder\xe2\x80\x99s credit card account will not earn any Points. When a purchase or transaction is not a whole\ndollar amount, any fraction will be rounded down to the nearest whole dollar.\nCardholders do not earn Points on balance transfers, convenience checks, cash advances or unauthorized charges,\nunless specified otherwise. Points are not earned for fees of any kind, such as finance charges, late payment fees, annual\nfees, over limit fees, balance transfer fees, convenience check fees, cash advance fees, Program fees or any charges\nthe Cardholder refuses to pay. Changes made to the above list are at the sole discretion of SDCCU.\nPoints are considered earned when they are posted to the redemption system. A Cardholder\xe2\x80\x99s Points balance will be\nupdated monthly. Points may take up to 45 days to be posted following a qualifying purchase. SDCCU reserves the right\nto verify and adjust Points at any time prior to or following posting and redemption. Points will be awarded and can be\nredeemed for Rewards only if the Cardholder maintains the account in good standing. SDCCU has the right not to award\nPoints if the account is not in good standing.\nPOINT REDEMPTION\nThe Fly Miles Plus Reward Program Service Center\xe2\x80\x99s (the \xe2\x80\x9cService Center\xe2\x80\x9d) telephone number is (877) 587-8746 and\nmay be used for redemptions or inquiries. Redemption Specialists are available to redeem Points for Rewards and answer\nredemption-related questions from 6 a.m. to 6 p.m. Pacific Time. The Service Center will be closed the following holidays:\nNew Year's Day, Memorial Day, Independence Day (July 4), Labor Day, Thanksgiving Day and Christmas Day.\nPoints will expire on December 31st at 11:59 p.m. Eastern Standard Time of the fifth year after the year they were\nearned. For example, Points earned November 1, 2017 will expire December 31, 2022. Points redeemed and expired\nPoints will be based on a first-in, first-out process. Points earned are not transferable.\nCardholders also may redeem Points for Rewards and check Point balances online through the Fly Miles Plus Reward\nProgram website. Redeemed Rewards are not refundable, replaceable, or transferable for cash, credit, other Rewards,\nor Points under any circumstances. SDCCU and participating merchants are not responsible for replacing lost, stolen or\nmutilated gift cards/certificates or tickets. All Rewards are subject to availability. Certain Rewards are available only during\nthe time periods TSYS LOYALTY described in the Program communications. Merchants participating in the Program are\nsubject to change. Some Rewards have limited availability. Substitutions that SDCCU deems to be of equal or greater\nvalue may be necessary. Country of item's origin may change. Merchandise Rewards cannot be shipped to addresses\nthat are outside the United States, PO, APO, or FPO boxes. SDCCU reserves the right to modify or cancel any Reward\nat any time. All redemption Rewards will be sent to Cardholder's statement mailing address unless otherwise authorized\nby SDCCU. Merchandise Rewards include applicable sales tax and shipping and handling (via first-class mail, ground\ndelivery or motor freight service within the continental U.S.). Allow 4 to 6 weeks for delivery of the Reward earned. In\ncertain circumstances the delivery time may be longer. For security reasons, parcel or motor freight couriers may contact\nthe Cardholder to arrange delivery of merchandise. It is the responsibility of the Cardholder to respond to the courier in a\ntimely manner to facilitate the delivery process. Additional shipping and handling fees for merchandise returned to vendor\ndue to Cardholder\xe2\x80\x99s failure to make delivery arrangements are the responsibility of the Cardholder. Expedited delivery of\na Reward is available upon request for an additional fee. Any additional travel or accommodation arrangements made in\nconnection with any Reward will be the Cardholder's responsibility.\nPoints, Rewards and gift cards/certificates have no value except as used in accordance with the Terms of the Program\nand Merchants participating in the Program. Rewards are void if sold for cash or other consideration. Rewards are not\nreplaceable if lost, stolen, destroyed or expired. Rewards are not redeemable and are void if altered, photocopied,\nreproduced or damaged in any way. Reward gift cards/certificates, gift cheques, checks or currency certificates may not\nbe re-sold and are valid through the expiration date printed on the Reward gift cards/certificates and cannot be extended\nbeyond the expiration date. All Rewards are subject to availability and other restrictions may apply. All Rewards are\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 2 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nsubject to the terms and conditions of each participant\xe2\x80\x99s offer materials. Gift cards/certificates may not be combined with\nany other promotional offers. Fulfillment of the gift cards/certificates are the sole responsibility of the participating\nmerchant.\nGift cards and Gift certificates (\xe2\x80\x9cGift Cards/Certificates\xe2\x80\x9d) are valid at participating merchants only through the expiration\ndate printed on the Gift Card/Certificate, except to the extent prohibited by law. Gift Cards/Certificates must be surrendered\nat redemption, and no photocopies of Gift Cards/Certificates will be honored. Gift Cards/Certificates have no cash value\nand may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash unless otherwise\nnoted on the Gift Card/Certificate. Use of any Gift Card/Certificate is subject to any additional restrictions listed on the Gift\nCard/Certificate. Gift Cards/Certificates are not valid toward previous purchases, and cannot be used as payment on\nexisting account balances with either the participating merchant or SDCCU. Please allow 7 to 14 business days for receipt\nof gift card/certificates. Reward Gift Cards/Certificates, gift cheques, checks or currency certificates may not be valid\nwhere restricted by law. Terms and conditions for each Reward are set for in Program communications and/or on the Gift\nCard/Certificates. Merchants participating in the program are subject to change. SDCCU is not responsible for the\nprograms or defects of any merchandise purchased using a Gift Card/Certificate or for failure of merchant to perform\nbecause of bankruptcy, insolvency or any other reason.\nFraud or abuse relating to the accrual of Points or redemption of Rewards may result in forfeiture of accrued Points as\nwell as cancellation of membership in the Program. Neither SDCCU nor TSYS LOYALTY is responsible for disputes\nbetween the Cardholder and its employees or any third party reward recipients relating to Points redemption and reward\ndistribution.\nAIRLINE TICKETS\nCardholders may redeem Points for a scheduled ticket on a major airline carrier providing that the fares, schedules and\nthe ability to generate a ticket (electronic or paper) is possible through the Global Distribution System (\xe2\x80\x9cGDS\xe2\x80\x9d) and the\nAirline Reporting Corporation (\xe2\x80\x9cARC\xe2\x80\x9d). No other travel agency may be used for these offers. The major airline carrier is\nchosen at the discretion of the Program Administrator. Participating air carriers are subject to change. The ticket will be a\nnon-refundable, non-changeable ticket valued at no more than the applicable amount listed in the accompanying\nredemption chart, including taxes and destination charges. All travel itineraries and supporting documentation will be sent\nvia email when available, otherwise paper documents will be sent via First Class Mail. When electronic tickets are\navailable, and Cardholder selects paper tickets, a service fee in excess of $50 for the paper ticket will be assessed by\nparticipating airline at time of ticketing. Additional costs, such as expedited delivery are at the Cardholder's expense. A\n$25 redemption fee (or 2,500 Points) per ticket will be charged at the time of booking. All travel itineraries and supporting\ndocumentation will be sent via email. Once Points are redeemed, the transaction cannot be reversed. If changes to an\nitinerary are later necessary, the Cardholder may contact the Service Center with their request up to 72-hours prior to the\ntravel date. Changes may require additional costs such as airline penalty fees, increased fares, and service fees. Most\nairlines will not allow traveler name changes. In addition, if the Cardholder or recipient is a no-show, the travel reward is\nvoid.\nReservations for tickets exclude the use of charters, wholesalers, consolidators and any Internet fares that are not\npublished, available through the GDS or available for ticketing through a certified travel agency. Tickets may be purchased\nin any individual's name, but the ticket will be sent to the Cardholder's mailing address for security reasons. Airline tickets\nmay not be used in conjunction with any type of coupons, vouchers, Internet fares or companion fares. Cardholder may\nbe subject to customs fees, excess baggage charges or any other charges assessed by governmental or other entities\nas a result of travel.\nNeither SDCCU nor TSYS LOYALTY will be responsible for notifying Cardholder of airline schedule changes. Traveler\nshould confirm flight reservations at least 72 hours prior to departure. Cardholders are responsible for informing\nthemselves of the requirements for and obtaining the appropriate international travel documentation, such as passports\nand visas. All travelers must have valid photo identification upon check-in. Neither SDCCU nor TSYS LOYALTY assume\nresponsibility for advising guests of proper travel documentation\nMaximum ticket values are established at all redemption levels. If the actual ticket price is greater than the maximum\nallowable value, the Cardholder may pay the balance with the Fly Miles Plus Rewards Program enrolled SDCCU Visa\ncredit card.\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 3 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nCOMPANION TRAVEL OR NON-REDEMPTION AIR TRAVEL BOOKING\nThe Cardholder may elect to have the Service Center book airline tickets through a major airline carrier providing that the\nfares, schedules and the ability to generate a ticket are possible through the GDS. This service will be subject to a service\nfee at time of booking.\nAll airline tickets will be issued the same day as booking and delivered by email (electronic ticketing) or via U.S. Postal\nService, First Class Mail, postage prepaid for all paper tickets. Priority, three- to five-day delivery, Saturday or international\ndeliveries will be subject to additional shipping charges as imposed by the shipping vendor. All shipping charges beyond\nFirst Class Mail will be the sole responsibility of the Cardholder's and will be charged to the Cardholder's credit card\naccount at time of reservation.\nVACATION PACKAGES\nAll travel packages must be booked a minimum of 30 days prior to travel date or Cardholder will incur additional fees.\nTraveler must meet the eligibility requirements established by the travel provider. Travel packages may only be booked\nthrough the Service Center. Travel packages may not be combined with upgrade certificates, frequent traveler promotions\nor other reward programs, promotional or discount certificates, vouchers, Internet fares, companion fares, group travel,\nconvention fares or special rate programs. Travel packages that have been booked may not be cancelled and are not\neligible for any refund in part or whole. No interim price reductions will be considered or offered once the booking has\nbeen completed. After booking, any additional special handling may result in the imposition of additional fees.\nBookings made less than 30 days prior to a travel date will result in the imposition of a special handling fee per traveler in\naddition to other fees imposed by the travel provider. Vacation packages do not include airfare unless specifically stated\nas part of the package.\nAll reservations are subject to the conditions of carriage, supply or business of the service provider, which include\nexclusions and limitations of liability. Proper travel documentation is required throughout the tour. Even though a traveler\nhas completed registration, it is still the responsibility of the traveler to present the required travel documentations at the\ntime of departure. The traveler is responsible for informing itself of the requirements for and obtaining the appropriate\ninternational travel documentation, such as passports and visas. The Service Center assumes no responsibility for\nadvising guests of proper travel documentation. Neither SDCCU nor TSYS LOYALTY is responsible for the performance\nof the tour operator or any service vendor.\nSDCCU is not liable for any loss or penalties incurred by Cardholder when a hotel, tour operator or cruise line is sold,\nceases to exist or becomes inoperative if a tour operator cancels a vacation package for acts of nature. Vacation package\ncomponents are subject to change without notice. SDCCU is not liable for amenities, services and/or facilities not being\navailable due to seasonal closings, renovations, strikes, bankruptcy and/or acts of nature.\nCRUISE REWARDS\nAll cruises must be booked a minimum of 30 days prior to sailing date or incur additional fees. Traveler must meet the\neligibility requirements established by the cruise line or travel provider. Cruise packages may only be booked through the\nService Center. Cruise packages may not be combined with upgrade certificates, frequent traveler promotions or other\nreward programs, promotional or discount certificates, vouchers, Internet fares, companion fares, group travel, convention\nfares or special rate programs. Cruise packages that have been booked may not be cancelled and are not eligible for any\nrefund in part or whole. No interim price reductions will be considered or offered once the booking has been completed.\nAfter booking, any additional special handling may incur additional fees. Bookings made less than 30 days prior to a\nsailing date, will incur a special handling fee of $100 per cabin in addition to other fees imposed by the cruise or travel\nprovider.\nAll reservations are subject to the conditions of carriage, supply or business of the service provider, which include\nexclusions and limitations of liability. Proper travel documentation is required throughout the tour. Even though a traveler\nhas completed registration, it is still the responsibility of the traveler to present the required travel documentations at the\ntime of departure. The traveler is responsible for obtaining the appropriate international travel documentation, such as\npassports and visas. The Service Center assumes no responsibility for advising guests of proper travel documentation.\nNeither SDCCU nor TSYS LOYALTY is responsible for the performance of the tour operator or any service vendor.\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 4 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nSDCCU is not liable for any loss or penalties incurred by Cardholder when a hotel, tour operator or cruise line is sold,\nceases to exist or becomes inoperative if a tour operator cancels a vacation package for acts of nature. Vacation package\ncomponents are subject to change without notice. We are not liable for amenities, services and/or facilities not being\navailable due to seasonal closings, renovations, strikes, bankruptcy and/or acts of nature. The Service Center assumes\nno responsibility for advising guests of proper travel documentation.\nCONSENT TO CONTACT\nCardholder consents to receiving calls, texts and other messages from SDCCU for any purpose (including this Program,\naccount/loan servicing, fraud alerts, collection, marketing etc.) on any phone number provided by the Cardholder or that\nmay reach the Cardholder, including via automatic telephone dialing system and/or artificial or pre-recorded voice.\nCardholder understands that such consent is not a condition of receiving any product and/or service from SDCCU.\nCAR RENTALS\nRenter must meet rental car company standard driver and credit qualifications at time and place of rental. Renter will be\nrequired to execute a rental agreement at time of rental. The minimum age for rental of a vehicle is 25 years old unless\nspecifically approved by rental car provider. Advance reservations are required for Rewards rentals. The Cardholder must\nprovide a major credit card at the time of rental.\nRewards do not include taxes, insurance, extra drivers, optional service charges such as refueling or any other fees or\ncharges imposed by rental location and/or Cardholder. Cardholder may be provided a voucher or certificate as an\ninstrument of securing a rental vehicle. A voucher or certificate must be presented to rental car company at time of the\nrental pickup. Vouchers and certificate are negotiable instruments for the purpose of securing car rental services and\ncannot be replaced if lost, stolen or destroyed. No change or credit will be issued for unused portions of Rewards.\nTraveler is subject to the restrictions and vehicle type listed on the voucher or certificate. Some blackout dates may apply.\nNeither SDCCU nor TSYS LOYALTY are responsible for the performance of the car rental company. Additional terms and\nconditions may be imposed by the respective rental car companies and are incorporated herein by reference. Participating\ncar rental companies and reward offerings are subject to change without notice. Advance reservations recommended.\nParticipating rental car companies and reward offerings are subject to change without notice.\nFOR INTERNATIONAL RENTALS: Advance reservations are required at least 8 hours prior to departure from the U.S.\nThe U.S. Dollar value will be valued in local currency when Cardholder surrender the certificate at the time and place of\nrental. Vouchers redeemed at participating international locations can only be used on non-prepaid Affordable Weekly\nrates of at least one week but not longer than three weeks. Renters must present a valid driver license that has been held\nfor at least one year prior to rental. Vouchers are not a guarantee of performance or a confirmation of reservation. See\nvoucher for international terms.\nHOTEL CERTIFICATES\nReward certificates, gift cheques, checks or currency certificates must be presented and surrendered at time of check-in\nor time of transaction. Hotels and or resorts may require advance deposits to reserve accommodations. Accommodations\nare subject to availability at time of reservations and blackout dates may apply due to seasonal periods or special events.\nReward certificates are not redeemable for cash and are void if sold for cash or other consideration. Reward certificates\nare not refundable or replaceable if lost, stolen, destroyed or expired. Reward certificates are not redeemable and are\nvoid if altered, photocopied or reproduced. Guest must present and submit the Reward certificate at check-in and may\nnot be valid where restricted by law. Length of stay restrictions may apply. Any tax liability, including disclosure, connected\nwith receipt or use of reward certificate is the recipient\xe2\x80\x99s responsibility. The Reward certificate will not be extended beyond\nthe expiration date. Hotels or resorts may require advance deposits to reserve accommodations and may not include\nresort fees or taxes. Participating properties are subject to change at any time without notice. SDCCU and TSYS\nLOYALTY are not responsible for hotel performance.\n\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 5 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nGIFT CARDS AND GIFT CERTIFICATES\nGift Cards/Certificates may be used to purchase goods or services at participating retailers and, where applicable, for\nInternet purchases. Gift Cards/Certificates are non-transferable unless otherwise noted on the certificate. Gift\nCards/Certificates may not be combined with any other promotional offers from SDCCU. In the event goods or services\nreceived are less than the face value of the Gift Card/Certificate redeemed, the policy of the Gift Card/Certificate provider\nwill determine whether credit or Gift Card/Certificate value for the difference will be given. Gift Cards/Certificates are valid\nat participating reward supplier only, through the expiration date printed on the Gift Card/Certificate, except where\nprohibited by law. Some Gift Cards/Certificates are limited to use inside the United States. Use of any Gift Card/Certificate\nmay be subject to additional restrictions as listed on the Gift Card/Certificate.\nGift Cards/Certificates are not replaceable if sent standard delivery method which is first class U.S. mail if lost\n(not received), stolen, destroyed, or expired and are not returnable, exchangeable, refundable, or redeemable for\ncash or credit under any circumstances.\nOther trackable and expedited shipping options are available at nominal fees. Gift Cards/Certificates must be surrendered\nat redemption, are void if altered, and no photocopies of Gift Cards/Certificates will be honored. Gift Cards/Certificates\nhave no value except when used in accordance with the Terms of the Program and Merchants participating in the\nProgram.\nMERCHANDISE\nMerchandise Rewards include applicable sales tax and shipping and handling (via First Class Mail, ground delivery or\nmotor freight service within the continental United States). Merchandise will not be delivered to PO, APO or FPO boxes.\nMerchandise will be shipped to Cardholder's statement mailing address unless otherwise authorized by SDCCU.\nFor security reasons, parcel or motor freight couriers may contact Cardholder to arrange delivery of merchandise. It is the\nresponsibility of the Cardholder to respond to the courier in a timely and reasonable manner to facilitate the delivery\nprocess. Additional shipping and handling fees for merchandise returned to vendor due to Cardholder's failure to make\ndelivery arrangements will be the responsibility of the Cardholder. Additional shipping costs for delivery of merchandise\nRewards to Alaska and Hawaii (if possible) will be the responsibility of the Cardholder.\nPlease allow 4 to 6 weeks for delivery from time of order. The Cardholder will be notified of any delays by postcard, letter\nor phone call. All merchandise reward orders are subject to product availability and SDCCU reserves the right to substitute\nmerchandise of equal or greater value. Cardholder will be notified if the merchandise reward ordered is not available and\nwhen it will become available. SDCCU reserves the right to alter or substitute any or all merchandise Rewards at any time\nwithout prior notification. Returns are only accepted for merchandise that is damaged, defective or incorrectly shipped.\nNotification of same must be made within 48 hours of delivery and must be returned within 30 days for credit or shipment\nof replacement item. If the item is damaged or defective please contact the Service Center at (877) 587-8746 to report\nthe problem and obtain assistance. The manufacturer's warranty applies to all merchandise Rewards.\nCASH BACK REWARDS\nPoints may be redeemed for an eligible cash reward (\xe2\x80\x9cCash Reward\xe2\x80\x9d) option listed on the redemption website. The Points\nrequired and the amount of the Cash Reward are set by SDCCU and may be changed at any time, for any reason, without\nnotice to Cardholder. Cash Rewards are allowed only at specific redemption levels. The Cash Reward option is received\nby a credit to Cardholder\xe2\x80\x99s SDCCU primary savings account. No fractional Cash Reward(s) will be issued upon redemption\nof Points and any fraction will be rounded down to the nearest whole dollar. Cash rewards will be deposited into\nCardholder\xe2\x80\x99s SDCCU savings account four to six weeks after the date of redemption of Points for the Cash Reward.\nCHARITABLE CONTRIBUTIONS\nPoints may be redeemed and donated as charitable contributions to eligible charities as designated by SDCCU in its sole\ndiscretion. Cardholder may donate 6,000 Points in exchange for a $50 donation to an eligible charity or 10,000 Points in\nexchange for a $100 donation to an eligible charity. Participating charities are subject to change at any time, for any\nreason, without notice to Cardholder. SDCCU may discontinue our relationship with any charity at any time, for any reason,\nwithout notice to Cardholder. Cardholder should consult Cardholder\xe2\x80\x99s tax advisor as to whether or not redemption of\nPoints towards a charity is tax deductible. All Points redeemed for charitable contributions are final. Points cannot be\nrefunded or returned.\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 6 of 7\n\nSMRH:481699080.6\n\n\x0cFLY MILES PLUS REWARD PROGRAM\nTERMS AND CONDITIONS\nOTHER CONDITIONS\nSDCCU AND TSYS LOYALTY SPECIFICALLY PROVIDE NO WARRANTY WHATSOEVER REGARDING ANY OF THE\nREWARDS, PRODUCTS OR SERVICES THAT CARDHOLDER MAY REDEEM UNDER THIS PROGRAM, THE\nPERFORMANCE OR NONPERFORMANCE OF ANY SUPPLIERS OF THE REWARDS, OR THAT ANY OF THE\nREWARDS, PRODUCTS OR SERVICES REDEEMED WILL BE SUITABLE FOR CARDHOLDER\xe2\x80\x99S PURPOSES.\nSDCCU AND TSYS LOYALTY EXPRESSLY DISCLAIM ALL WARRANTIES REGARDING THE REWARDS,\nPRODUCTS OR SERVICES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION\nANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF THIRD PARTY RIGHTS, OR BASED ON COURSE OF CONDUCT OR TRADE CUSTOM OR\nUSAGE. SDCCU AND TSYS LOYALTY SHALL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, SPECIAL,\nINCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, WHETHER FORESEEABLE OR NOT, THAT ARE IN\nANY WAY RELATED TO ANY INJURIES OR PROPERTY DAMAGES CAUSED BY THE REWARDS, PRODUCTS OR\nSERVICES OR ANY REWARDS' SUPPLIERS' FAILURE TO PROVIDE ANY REWARDS, PRODUCTS OR SERVICES,\nAND/OR RELATED TO THESE TERMS AND CONDITIONS, THE BREACH THEREOF, THE USE OR INABILITY TO\nUSE ANY OF THE REWARDS, PRODUCTS OR SERVICES REDEEMED OR TO BE REDEEMED, CARDHOLDER\xe2\x80\x99S\nPARTICIPATION IN THE PROGRAM, ANY TRANSACTIONS RESULTING FROM THESE TERMS AND CONDITIONS,\nLOSS OF GOODWILL OR PROFITS, LOST BUSINESS HOWEVER CHARACTERIZED AND/OR FROM ANY OTHER\nCAUSE WHATSOEVER.\nTRADEMARK\nSan Diego County Credit Union\xc2\xae, SDCCU\xc2\xae, the SDCCU logo, Fly Miles Plus\xe2\x84\xa2 Reward Program and other SDCCU marks\nare trademarks of San Diego County Credit Union and may be registered. Other trademarks and trade names appearing\non the website with respect to any specific merchant Rewards are those of their respective owners.\n\nVoted BEST Credit Union \xe2\x80\x93 San Diego Union-Tribune Readers Poll\nPO Box 261209 \xe2\x80\xa2 San Diego, CA 92196-1209 \xe2\x80\xa2 (877) 732-2848 \xe2\x80\xa2 sdccu.com\nFederally insured by NCUA\nREV. 07.11.17\n\nPage 7 of 7\n\nSMRH:481699080.6\n\n\x0c"


b'PO Box 261209 \xe2\x97\x8f San Diego, CA 92196-1209\n(877) 732-2848 \xe2\x97\x8f sdccu.com\n\nVISA SIGNATURE (NON-VARIABLE)\nVISA PLATINUM (NON_VARIABLE)\nSHARE SECURED VISA CLASSIC (FIXED)\nAPPLICATION AND SOLICITATION DISCLOSURE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Signature (Non-Variable)\n\n12.99%, 15.99%, 17.99%, or 22.99% when you\nopen your account, based on your creditworthiness.\nVisa Platinum (Non-Variable)\n\n9.99%, 12.99%, 14.99%, or 19.99% when you\nopen your account, based on your creditworthiness.\nShare Secured Visa Classic (Fixed)\n\n15.00%\nAPR for Balance Transfers\n\nVisa Signature (Non-Variable)\n16.99%, 19.99%, 21.99% or 26.99% when you open your account,\nbased on your creditworthiness.\nVisa Platinum (Non-Variable)\n13.99%, 16.99%, 18.99% or 23.99% when you open your account,\nbased on your creditworthiness.\n\nAPR for Cash Advances\n\nShare Secured Visa Classic (Fixed)\n15.00%\nVisa Signature (Non-Variable)\n16.99%, 19.99%, 21.99% or 26.99% when you open your account,\nbased on your creditworthiness.\nVisa Platinum (Non-Variable)\n13.99%, 16.99%, 18.99% or 23.99% when you open your account,\nbased on your creditworthiness.\n\nHow to Avoid Paying Interest on Purchases\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nShare Secured Visa Classic (Fixed)\n15.00%\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee \xe2\x80\x93 Visa Signature\n(Non Variable)\n- Annual Fee \xe2\x80\x93 Visa Platinum\n(Non Variable)\n- Annual Fee \xe2\x80\x93 Share Secured Visa Classic\n(Fixed)\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n$89.00\nNone\n$20.00\n\nMXC101-E\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee: Visa Signature\n(Non-Variable)\n- Foreign Transaction Fee: Visa Platinum\n(Non-Variable) and Share Secured Visa\nClassic (Fixed)\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nEither $1.00 or 2.00% of the amount of each balance transfer,\nwhichever is greater\nEither $1.00 or 2.00% of the amount of each cash advance,\nwhichever is greater\n0.00% of each transaction in U.S. dollars\n2.00% of each transaction in U.S. dollars\n\nUp to $10.00\nUp to $20.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of September 01, 2021. This\ninformation may have changed after that date. To find out what may have changed, contact SDCCU at (877) 732-2848.\nShare Secured Visa Classic (Fixed) Card: Credit extended under this credit card account is secured by a portion of\nthe shares you have on deposit at SDCCU. You will be asked to sign a Pledge of Shares document, and the amount\nof the pledge will be equal to 120% of the approved credit limit.\nFor California Borrowers, the Share Secured Visa Classic is a secured credit card. Credit extended under this credit\ncard account is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares\nin an Individual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant\nus but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity,\nyou will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered\nborrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nFly Miles Plus\xe2\x84\xa2 Reward Program - Visa Platinum (Non-Variable) and Share Secured Visa Classic (Fixed):\n$35.00 annually. This program fee is charged to all accounts that elect to have SDCCU\xe2\x80\x99s Fly Miles Plus Reward Program.\nThis fee is waived if annual purchases are $6,000.00 or more. The Fly Miles Plus Reward Program is not available on the\nVisa Signature (Non-Variable).\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a\npayment.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$5.00 each\nStatement Copy Fee:\n$5.00 per document\nNon-CO-OP ATM Withdrawal Fee:\n$2.00 each\nNon-CO-OP ATM Inquiry Fee:\n$1.00 per inquiry\nInternational ATM Withdrawal Fee:\n$5.00 each\nApply Today!\nMXC101-E\n\n\x0c'


b'REWARDS PREFERRED MASTERCARD LEVEL I\nREWARDS PREFERRED MASTERCARD LEVEL II\nREWARDS PREFERRED MASTERCARD LEVEL III\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRewards Preferred MasterCard Level I\n\n2.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\n\n9.90%\n\n. This APR will vary with the market based on the Prime\n\nRewards Preferred MasterCard Level II\n\n5.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\n\n12.90% . This APR will vary with the market based on the Prime\n\nRewards Preferred MasterCard Level III\n\n8.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\nAPR for Balance Transfers\n\n15.50% . This APR will vary with the market based on the Prime\n\nRewards Preferred MasterCard Level I\n\n5.90%\nRewards Preferred MasterCard Level II\n\n8.90%\nRewards Preferred MasterCard Level III\n\n11.90%\nAPR for Cash Advances\n\nRewards Preferred MasterCard Level I\n2.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 9.90% . This APR will vary with the market based on the Prime Rate.\nRewards Preferred MasterCard Level II\n5.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 12.90% . This APR will vary with the market based on the Prime Rate.\nRewards Preferred MasterCard Level III\n8.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 15.50% . This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $25.00\nNone\nUp to $25.00\nSEE NEXT PAGE for more important information about your account.\n\n\x0cHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nLoss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR\nif you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of August 1, 2015.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\n\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days\nlate in making a payment.\n$25.00 or the amount of the required minimum payment, whichever is less.\n\ni002513\nREWARDS PREFERRED\nMASTERCARD LEVEL I\n\nREWARDS PREFERRED\nMASTERCARD LEVEL II\n\nREWARDS PREFERRED\nMASTERCARD LEVEL III\n\nDTXYD2-HR\nCCM003\nMXC403\n\nAPPLICATION AND\nSOLICITATION DISCLOSURE\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n\x0c'


b'SPURS REWARDS MASTERCARD LEVEL I\nSPURS REWARDS MASTERCARD LEVEL II\nSPURS REWARDS MASTERCARD LEVEL III\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nSpurs Rewards MasterCard Level I\n\n2.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\n\n9.90%\n\n. This APR will vary with the market based on the Prime\n\nSpurs Rewards MasterCard Level II\n\n5.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\n\n12.90% . This APR will vary with the market based on the Prime\n\nSpurs Rewards MasterCard Level III\n\n8.90%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that your APR will be\nRate.\nAPR for Balance Transfers\n\n15.50% . This APR will vary with the market based on the Prime\n\nSpurs Rewards MasterCard Level I\n\n5.90%\nSpurs Rewards MasterCard Level II\n\n8.90%\nSpurs Rewards MasterCard Level III\n\n11.90%\nAPR for Cash Advances\n\nSpurs Rewards MasterCard Level I\n2.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 9.90% . This APR will vary with the market based on the Prime Rate.\nSpurs Rewards MasterCard Level II\n5.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 12.90%. This APR will vary with the market based on the Prime Rate.\nSpurs Rewards MasterCard Level III\n8.90% Introductory APR for a period of six billing cycles.\nAfter that your APR will be 15.50%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $25.00\nNone\nUp to $25.00\nSEE NEXT PAGE for more important information about your account.\n\n\x0cHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nLoss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR\nif you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of August 1, 2015.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\n\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days\nlate in making a payment.\n$25.00 or the amount of the required minimum payment, whichever is less.\n\ni002514\nSPURS REWARDS MASTERCARD LEVEL I\nSPURS REWARDS MASTERCARD LEVEL II\nSPURS REWARDS MASTERCARD LEVEL III\n\nD42NC1-HR\nCCM003\nMXC403\n\nAPPLICATION AND\nSOLICITATION DISCLOSURE\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n\x0c'


b'REWARDS PREFERRED MASTERCARD LEVEL I\nREWARDS PREFERRED MASTERCARD LEVEL II\nREWARDS PREFERRED MASTERCARD LEVEL III\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card Account\nOpening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is\npart of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who agree to be\nbound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or substitutions the Credit\nUnion issues to you; "account" means your MasterCard credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this\nAgreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges")\nwhich you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow\nadvances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your\ncredit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically\n(notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right to opt in to the\nCredit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in to such a\nprogram, you agree to the terms of such a program. You may request an increase in your credit limit only by a method\nacceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance\nand/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances\non your account, we may, from time to time, issue convenience checks to you that may be drawn on your account.\nConvenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will\nbe posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your\naccount for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally,\nif permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for\npayment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the\ncheck including the exact account number, the payee, any check number that may be applicable, and the exact amount of\nthe check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you\nconfirm your request in writing within that time. Written stop payment orders are effective only for six months and may be\nrenewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not\nrequired to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a\nvalid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us\nall of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to\nindemnify and hold us harmless from all costs and expenses, including attorney\'s fees, damages, or claims, related to our\nhonoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to\nus or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The\ncredit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay\nfor goods or services over the Internet, you may be required to provide card number security information before you will be\npermitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the\ncredit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain\ncash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use\nyour card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an\nillegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you\nare permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage\nin transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances\nand include, but are not limited to, wire transfers and money orders. This paragraph shall not be interpreted as permitting\nor authorizing any transaction that is illegal.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\n000000 (MXC503 CCM004)\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed\non the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment\nby the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If\nthe rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash\nadvances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this\nAgreement. The initial rate on your account for certain types of transactions may be an introductory discounted rate\n(Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate\napplies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanying this\nAgreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would\nordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge will\naccrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing\ncycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any\npayments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of purchases\nfor the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily\nbalance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash advances\nfor the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily\nbalance of cash advances. Balance transfers are calculated in the same manner as cash advances.\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 used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your account.\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. All fees are calculated based on the transaction amount after it is\nconverted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge),\na fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nb. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you\ndo not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth\non the Disclosure accompanying this Agreement.\nc. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nd. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account\nwhen a payment is returned for any reason.\n000000 (MXC503 CCM004)\n\n\x0c8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date specified\non the statement. You may pay more frequently, pay more than the minimum payment 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 each month your account\nhas a balance (other than a credit balance). The minimum payment is 3.00% of your total new balance, or $10.00, whichever\nis greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges,\nand any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to\ndemand immediate payment of any amount by which you are over your credit limit. In accordance with applicable law, the\nCredit Union may not post payments to your account or reflect them in your available credit limit on the date they are\nreceived. The Credit Union may delay replenishing your credit limit until the date the payment is posted or the Credit Union\nconfirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the\nrequired minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest\nannual percentage rate and any remaining portion to the other balances in descending order based on applicable annual\npercentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and under\nany common law rights the Credit Union may have in any goods you purchase.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date that\nit is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die,\nfile for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default\nif you make any false or misleading statements in any credit application or credit update. You will also be in default if\nsomething happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance without\ngiving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate\ncharged before default, until what you owe has been paid, and any shares that were given as security for your account may\nbe applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us immediately,\norally or in writing, at PO Box 1356, San Antonio, TX 78295-1356 or telephone (866) 839-3485 seven (7) days a week, 24\nhours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your\ncredit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible\nunauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon\ndiscovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized transactions.\nIn any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of\nthis Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance\nas well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not\naffect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your\nobligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all\napplicable laws and regulations regarding repayment requirements. You are also responsible for all transactions made to\nyour account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to access\nyour account. Your letter must include the name of the authorized user and your account number and/or any subaccount\nnumber issued to the authorized user along with the authorized user\'s card and any convenience or other access checks\nissued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you request your\naccount to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide personal\ninformation about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits\n000000 (MXC503 CCM004)\n\n\x0cand payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash\nadvances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after\nsix months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional services\nto your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not\nobligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from\nthe merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent\nor participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100\nmiles of your home.\n19. 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 the\nentire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. 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.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate address\nyou have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the terms\nand conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged\noral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts\nof this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this\nAgreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling transaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS\nNOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES\nNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\n000000 (MXC503 CCM004)\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- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink 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 to\ninvestigate 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 interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you\nas 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported 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 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\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.\n\n000000 (MXC503 CCM004)\n\n\x0c'