b'the prior month. The APR will change, if needed, based on this rate\ncalculation method at your billing cycle date. We reserve the right\nNOT to increase the variable rate if Prime increases.\n11. Finance Charges on Account Balance\nA FINANCE CHARGE computed on a monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d)\nwill begin to accrue for new Purchases, if you do not pay the New\nBalance in full within 25 days after the billing date of the statement on\nwhich the new Purchases first appear. A FINANCE CHARGE computed\non a monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) will begin to accrue on the transaction\ndate of Cash Advance(s) or Purchases (except as provided above), or\nthe first day of the billing cycle, whichever is later, and will continue to be\nimposed until you have paid any outstanding balance in full. The Credit\nUnion calculates the FINANCE CHARGE as follows:\na. The FINANCE CHARGE will be figured by applying the monthly\nperiodic rate of your Account, indicated in the following schedule, to the\naverage daily balance of Purchases and Cash Advances. The monthly\nperiodic rate and ANNUAL PERCENTAGE RATE (APR) to be used is\ndetermined by the Account applied for or approved by us pursuant to the\nterms of your application.\nAPR\t\t 9.85%\nMPR\t\t .820%\n\n10.85%\n.904%\n\n13.85%\n1.15%\n\n15.85%\n1.32%\n\n17.90%\n1.49%\n\nThe APR and MPR are variable and are based on individual\ncreditworthiness and our underwriting standards. Your actual rate will be\nset forth in your monthly statements.\nYou may consult with one of our loan officers regarding the category\nassigned after evaluation of a completed application for our Credit Card.\nYour APR will be set forth in each monthly statement.\nb. To get the total average daily balance on your Account, we take the\nbeginning balance of your Account each day, add any new Purchases and\nCash Advances, unpaid Finance Charges, current late payment fees, any\nannual fee, if applicable, and other fees, and subtract any payments or\ncredits. This is your daily balance. Then we add up all the daily balances\nfor the billing cycle and divide their total by the number of days in the\nbilling cycle. This gives you the average daily balance. This determines the\nbalance subject to the FINANCE CHARGE.\nThe Credit Union, in its sole discretion, may change the Monthly\nPeriodic Rate and ANNUAL PERCENTAGE RATE from time to time. Any\nchange in the Finance Charge shall apply both to the outstanding balance\nand any new Purchases and Cash Advances. If the current effective rates\nare different, they are disclosed on an enclosed/attached insert.\n12. Promotional Finance Charges\nFrom time to time and in our sole discretion we may offer a special rate\napplicable to certain transactions such as particular purchases (as defined by\nus), Balance Transfers or Cash Advances. Applicable terms and conditions\nwill be disclosed at the time any such promotion is offered, and are\nincorporated into this Agreement by reference. The promotional rate will\napply only to the transactions and for the period of time set forth in any\nsuch offer from us. Existing balances and new purchases or advances not\nexpressly subject to any such promotion will remain governed by the terms\nand conditions of this Agreement. In addition, the terms and conditions of\nthis Agreement will govern your obligations regarding any unpaid balance\nor transactions that are made subject to any such promotional offer, that\nare not fully paid within the time period set forth in such promotional offer.\n13. Interest Rate Adjustment (Default Rate)\nFounders Federal Credit Union will adjust the interest rate on your\nAccount whenever your Account is three Minimum Payments past due.\nWe will change the interest rate to a variable rate of 17.9% ANNUAL\nPERCENTAGE RATE, which is a monthly periodic rate of 1.49% on the\nfirst day of the billing cycle following the cycle that was three (3) Minimum\nPayments past Due. After six consecutive billing cycles of your Account\nbeing paid pursuant to the terms of your agreements with the Credit Union,\nwe will change the interest rate to the rate that is then applicable to your\nAccount, which will become effective on the first day of the billing cycle\nfollowing the sixth consecutive billing cycle.\n14. Monthly Statement\nWe will send you a monthly billing statement whenever there is\nactivity on your Account. Your monthly statement will show an itemized\nlist of current charges (Purchases and Cash Advances) to your Account,\nyour new balance, any Finance Charges, the Minimum Payment Due, and\n\nthe payment due date. In addition, it will show your current Credit Limit,\npayments, and credits, a summary showing your Purchases and Cash\nAdvances, the merchant, electronic terminal or financial institution at which\ntransactions were made, as well as other information concerning your\nAccount. Sales, Cash Advance, credit or other slips cannot be returned\nwith any statement. You will retain a copy of such slip furnished at the time\nof the transaction in order to verify your monthly statement.\neStatements: If provided electronically, you will be sent a notice via\nemail that will direct you to a site we maintain or cause to be maintained\nwhere you may access, review, print and otherwise copy/download your\nperiodic statements using procedures that we authorize. Emails from us\nwill be sent to the email address provided by any owner.\n15. Merchant Disputes/ATM\nThe Credit Union is not responsible for the refusal of any merchant or\nfinancial institution to honor your Card except as set forth in the Special\nRules for Credit Card Purchases set forth at the end of this Agreement.\n16. Additional Benefits/Card Enhancements\nThe Credit Union may from time to time offer additional services to\nyour Account, such as travel accident insurance, purchase rewards or\nrebates at no additional cost to you. You understand that the Credit Union\nis not obligated to continue or to offer such services and may withdraw\nor change them at any time. If these benefits are withdrawn prior to any\naccrued use by you, the Credit Union will have no obligation to provide\nthe benefit or enhancement, or any other compensation or consideration.\n17. Skip Payment Option\nAt our option, we may offer you the opportunity to not make (\xe2\x80\x9cskip\xe2\x80\x9d)\na Minimum Payment during certain designated billing cycles (\xe2\x80\x9cskip\npayment period\xe2\x80\x9d). If you do not make your Minimum Payments as provided\nin this Agreement, during such designated billing cycles, you understand\nthat we will continue to apply Finance Charges to your Account. Beginning\nwith the billing cycle following an allowed skip payment period, all other\nprovisions of this Agreement will apply. We have no obligation to accept\nyour application for any skip payment period offered, and you authorize\nus to investigate your creditworthiness including obtaining consumer\ncredit reports. We may charge you an application processing fee of up to\n$35 for each skip payment period that we may offer to cover our costs of\ninvestigating your qualifications for this extension including but not limited\nto the costs associated with researching your creditworthiness.\n18. Late Payment Fee\nCredit Union will charge your Account a late payment fee of up to $32\nfor each billing period in which your Minimum Payment is not received by\nthe statement closing date. This fee will be added to your Account Balance.\n19. Returned Payment or Insufficient Funds Fee\nCredit Union will charge your Account up to a $32 fee if your payment\nby any method, including check, electronic transfer, home banking\ntransaction or otherwise, is not honored, collected by us, or if we must\nreturn it to you because it cannot be processed for any reason. This fee\nmay be added to your Account Balance, or collected from you on demand.\n20. Charge for Copies and Research\nIf you ask for a copy of any document, such as a sales slip or billing\nstatement, a charge of $20 per hour may be imposed for the time it takes\nto research and locate the document. In addition, a copying fee of $2 per\ncopy will be imposed. However, no charge will be imposed in connection\nwith any actual or asserted billing error.\n21. Your Responsibility and Liability for Unauthorized Use and Lost\nor Stolen Cards\nIf your Card is lost or stolen, or if you believe someone used it\nwithout your permission, you must notify the Credit Union at once\nby calling 1-800-845-1614, or providing written notice to: Founders\nFederal Credit Union, 737 Plantation Road, Lancaster, South Carolina\n29720. If notice is given orally, you will promptly confirm it in writing.\nThe Credit Union may require you to provide us certain information in\nwriting to help us investigate any unauthorized use. Further, you agree to\ncooperate and assist us or any government or law enforcement agent or\nagency in investigating, collecting or pursuing any other rights (civil and\ncriminal) relating to any unauthorized use. In this regard, you agree to file\nan appropriate police report when asked to do so. Do not use the Card\n\nafter you have notified the Credit Union, even if you find them or have them\nreturned to you.\nYou are liable for all transactions that you authorize. No Liability: You\nwill have no liability for unauthorized use of your Card or other Access\nDevices for non-ATM transactions made over the \xe2\x80\x9cVisa Network\xe2\x80\x9d if the\nfollowing conditions are met: (1) You have not been negligent; and (2) You\nhave not committed, participated in or conspired to commit any fraudulent\nact or scheme involving the use of your Credit Card Account. Limited\nLiability: For transactions on other networks or ATM transactions, you may be\nliable for unauthorized transactions using your Card or other Access Devices\nthat occur before we are notified. However, your liability for unauthorized\nuse on networks other than Visa will not exceed $50. In any case, you will not be\nliable for any unauthorized use after notifying us of the loss, theft or unauthorized\nuse of your Card or other Access Devices.\n22. Default\nYou will be in default if: (a) you fail to pay the Minimum Payment Due\nby the Payment Due Date; (b) the Credit Union, in its sole discretion, feels\ninsecure (For example: Our good faith belief that your ability to pay your acount\nis impaired; use of your Account in any manner or in any way that may expose\nthe Credit Union to a risk of loss; etc); (c) your ability to repay is materially\nreduced by a change in your employment, by an increase in your obligations,\nby bankruptcy or insolvency proceedings involving you, by your death, or (for\ncommunity property state residents only) by a change in marital status or\ndomicile; (d) you exceed your Credit Limit without our permission; (e) you have\nmade a false or misleading statement to us in your application or otherwise; (f)\nyou are in default under any other agreement with us; (g) if you use or authorize\nthe use of any Card(s) to make or facilitate any illegal transaction; or (h) you fail\nto perform any of your other obligations under the terms of this Agreement as it\nmay be amended. Upon default we may close your Account to future purchases\nand advances and, to the extent not prohibited by Governing Law, demand\nimmediate payment of your entire Account Balance, after giving you any notice\nand opportunity to cure the default if required by applicable law. The Credit\nUnion\xe2\x80\x99s sole obligation hereunder with regard to determining and declaring\nan event of default is the exercise of \xe2\x80\x9cgood faith,\xe2\x80\x9d based on its subjective\nunderstanding of applicable facts and law. We shall also have the right to close\nyour Account and terminate access privileges where your Account is inactive for\nsuch periods of time as we may from time-to-time determine to be appropriate\nfor protecting both our and your interests.\n23. Collection Costs\nYou agree to pay all costs incurred by the Credit Union in collecting\nany amounts you owe or in enforcing or protecting the Credit Union\xe2\x80\x99s rights\nunder this Agreement, including attorneys\xe2\x80\x99 fees of 15% of the unpaid balance or\nsuch greater sum as may be reasonable, and also those costs, expenses and\nattorneys\xe2\x80\x99 fees incurred in any appellate, bankruptcy and post-judgment\nproceedings, except as limited or prohibited by applicable law.\n24. Updating and Disclosing Financial Information\nWe may report your performance under this Agreement to credit reporting\nagencies and secure follow-up credit reports on you for any legitimate\nbusiness reason, including if you fail to make your Minimum Payments on\ntime. We can reinvestigate and reevaluate any information you provide on your\nCredit Card application at any time, and in the course of doing so, we may\nask you to provide additional information, request credit bureau reports and/or\notherwise verify your current credit standing. Access to Account Information: You\nagree that all borrowers and authorized users will have access to information\nregarding transactions on your Account, including but not limited to Purchases\nand Cash Advances, Account Balances, Account History, Payments and other\ninformation relating to or arising with regard to this Account or any transaction.\n25. Correcting the Credit Union\xe2\x80\x99s Credit Report\nIf you think the Credit Union reported erroneous information about you to\na credit reporting agency, call the Credit Union at the telephone number listed\non your monthly billing statement. Credit Union will promptly investigate the\nmatter. Credit Union will contact each credit reporting agency whose records\nmay reflect an error. Credit Union will require them to correct your report if its\ninvestigation decides that you were correct. If Credit Union disagrees with you\nafter the investigation, Credit Union will advise you, in writing or by phone, and\ninstruct you how to submit to those agencies a statement of your position that\nwill become a part of your credit record with them. The instructions will include\nthe name, address, and phone number of each such agency, along with other\npertinent information.\n\n26. Closing Your Account\nAny individual cardholder without the consent of other cardholders, may\nclose your Account at any time by notifying the Credit Union in writing. Credit\nUnion may close your Account or suspend your Card privileges at any time\nwithout prior notice. Credit Union may also reissue a different Card or different\nchecks at any time. You must return the Card to the Credit Union upon request.\nYou agree that the Card remains the property of Credit Union. Each Card we\nissue will have an expiration date. Upon expiration of your Card your Account\nwill automatically terminate; or the Credit Union, in its sole discretion, may\nextend your Agreement and issue a new Card with a new expiration date.\nIf your Account is closed, expires or your credit privileges are terminated or\nsuspended, you will remain responsible for paying all amounts you owe us\naccording to the terms of this Agreement. Without limiting the foregoing, the\nCredit Union has the right to terminate your line of credit or any part of the\nservices provided persuant to this Agreement and to demand the return of all\nCards, Access Checks and other access devices if the Credit Union, in its sole\ndiscretion, feels that it is insecure for any reason whatsoever; including but not\nlimited to mismanagement of your Account, failing to safeguard any access\ndevice, creation of any credit balances by you that may increase the risk of\nloss or exposure of the Credit Union, or failing to cooperate with the Credit\nUnion or others with regard to any claim of unauthorized use or any other\ndefense to payment under applicable law.\n27. Changing This Agreement\nThe Credit Union may change the terms of this Agreement, including\nthe Annual Percentage Rate, at any time. Except where limited by\napplicable law, the new terms, including, but not limited to, increasing the\nfinance charge or the way the Credit Union calculates finance charges, late\ncharges, and the Minimum Payment Due, will apply both to new purchases\nand cash advances and to the existing outstanding balance of your Account\nas of the day of the change. In accordance with applicable law, the Credit\nUnion will notify you of any increased charge or change by writing to you at\nthe most recent address shown for you on the Credit Union\xe2\x80\x99s records.\n28. Delay in Enforcement/Waivers\nThe Credit Union may delay or waive enforcement of any of the\nprovisions of this Agreement, including any agreement to make timely\npayments, without losing its right to enforce the same provision later or any\nother provisions of this Agreement. You waive the right to receive notice\nof any waiver or delay or presentment, demand, protest or dishonor. You\nalso waive any applicable statute of limitations to the full extent permitted\nby law and any right you may otherwise have to require the Credit Union to\nproceed against any person before suing you to collect. You understand that\nthe Credit Union will not be liable for a merchant\xe2\x80\x99s or other parties\xe2\x80\x99 refusal to\nhonor your Card whether due to an error by the Credit Union, the merchant,\nthe Credit Union\xe2\x80\x99s authorized agent, or other third party.\n29. Change of Name, Address or Employment\nYou will notify immediately the Credit Union in writing if your name, home\naddress, or employment changes.\n30. Additional Terms of Credit Card Agreement\nTo the extent not prohibited by applicable law, the terms, interpretation\nand enforcement of any claim or dispute arising under this Agreement, as\nwell as all parties\xe2\x80\x99 rights and duties, will be governed by South Carolina\nlaw regardless where you may reside or use your Account. Further,\nthis Agreement is the contract which governs all transactions on your\nAccount even though sales, Cash Advances, credit or other slips may contain\ndifferent terms. You may not transfer or assign your Account or Card to any\nother person. The Credit Union may assign or transfer this Account, your\nAccount balance, or this Agreement to another person, who will have all\nof our rights hereunder. This Agreement is binding on your heirs and legal\nrepresentatives. If there are joint obligors or authorized users for this credit\nplan, each of you will have the right to use the Account to obtain loans pursuant\nto the terms hereof. Any one obligor\xe2\x80\x99s elections, transactions and directions\nto the Credit Union shall be binding upon all obligors. Each of you will be\nliable for all obligations owing on the Account whether borrowed by you or\notherwise and whether within or beyond the Credit Limit. Your liability will be\njoint and several. Either party has the right to cancel this Agreement. Further\neach of you are responsible for all amounts borrowed by any authorized user(s).\nAuthorized users and other users may also be required to repay the amount\nowed for charges they make; however, you remain, at all times, primarily responsible for all amounts owed. All Cards, billing statements and notices will be\nmailed or delivered to the address given on the application for either applicant\n\nunless you direct otherwise in writing. If any law or judicial ruling makes any\nprovision of this Agreement unenforceable, the other provisions will remain\nin full force and effect. You agree that your Account will also be subject to\nall rules and regulations of Visa U.S.A., Inc. as applicable. If there is any\nconflict between this Agreement and the rules and regulations of Visa U.S.A.,\nInc. the rules and regulations of Visa U.S.A., Inc. will control.\n31. Convenient Payment Option\nIf you requested the Convenient Payment Option in your Application,\nall Minimum Payments due will automatically be deducted from your\ndesignated Checking or Savings Account on your Payment Due Date. If your\ndesignated Account does not contain sufficient funds, no automatic deduction\nwill be made; we will bill you for the Minimum Payment Due; and your\nAccount will be charged up to a $32 insufficient funds fee and you will be\nresponsible for making the payment by some other means.\n32. Insurance\nIf you elect insurance, as set forth in your application, then the charges\nwill be added to your Account balance on each billing cycle, if your\ninsurance application is approved. Credit insurance is voluntary and not\nrequired to obtain a Credit Card Account with us. You have a right to\nterminate this insurance at anytime by notifying us in writing.\n33. CURewards\xc2\xae\nThe Credit Union Rewards program is subject to the terms, conditions\nand limitations set forth in CURewards (R) Program Rules which is\nincorporated herein by reference. Access your account at curewards.com or\ncall 1-800-845-1614 for a complete list of program rules.\n34. Compliance with Applicable Laws and Prohibition of Illegal\nTransactions\nYou warrant and agree that you will at all times comply with all Applicable\nLaws; and that your card and services are at all times subject to Applicable Laws.\nFurther, you warrant and agree that your Credit Card, other access device or any\nrelated Account will not be used to make or facilitate any illegal transaction(s)\nas determined by applicable law; and that any such use, including any such\nauthorized use, will constitute an event of default under this Agreement.\nCertain federal and/or state laws or Card Service Providers\xe2\x80\x99 Rules may limit\nor prohibit certain transactions such as (but not limited to) those coded as\npossible gambling transactions. The Credit Union may decline to accept,\nprocess or pay any transaction that we believe to be illegal or unenforceable\n(regarding your obligation to pay us or otherwise) under applicable law;\nor which is otherwise limited or prohibited, including but not limited to any\ntransaction involving or relating to any gambling activity. Such prohibition\nor limitations may affect some otherwise proper or allowable transactions\nsuch as charges incurred at a hotel-casino. You understand and agree such\nlimitations/prohibitions are not within the Credit Union\xe2\x80\x99s control and that the\nCredit Union will not have any liability, responsibility or culpability whatsoever\nfor any such use by you or any authorized user(s); or for declining\nto accept, process, or pay any such transaction. You further agree to\nindemnify and hold the Credit Union harmless from any suits, liability,\ndamages or adverse action of any kind that results directly or indirectly from\nany such use of your Account and/or access devices.\n35. \xe2\x80\x9cElectronic Signature\xe2\x80\x9d Disclosure, Communications, Statements,\nAgreements and Notices\nYou specifically agree that the Credit Union may provide all disclosure,\nstatements, agreements, notices, amendments, revisions and other\ndocuments electronically. For instance, if you apply for any service on our\nWebsite, all agreements and disclosures will be made available to you\nelectronically. You will be able to download and/or print these disclosures,\nstatements, agreements and notices through an appropriate electronic\nterminal and/or printer. You should review all such disclosures, statements,\nagreements and notices, and keep them in a safe and convenient place.\nYou consent and agree that your use of a key pad, mouse or other device\nto select an item, button, icon or similar act/action while using any electronic\nservice we offer; or in accessing or making any transactions regarding any\nagreement, acknowledgment, consent, terms, disclosures or conditions\nconstitutes your signature, acceptance and agreement as if actually signed\nby you in writing. Further, you agree that no certification authority or other\nthird party verification is necessary to the validity of your electronic signature;\nand that the lack of such certification or third party verification will not in\nany way affect the enforceability of your signature or any resulting contract\nbetween you and the Credit Union.\n\nYou agree that we have no obligation, liability or responsibility\nto respond, act upon, or follow any instruction to us that is received\nelectronically, by email or otherwise, unless we are able to authenticate\nthe communication to our satisfaction. You further agree that the Credit\nUnion has no obligation or liability for acting upon any such instruction that\nit in good faith believes to be authentic. You further acknowledge and agree\nthat the Internet is inherently insecure; and agree that we have no liability or\nresponsibility for any loss, claim or damages that arises or in any way relates\nto our response(s) to any email or other electronic communication which we\nbelieve you have submitted to us.\n36. RECORDING CONVERSATIONS\nYou understand and agree that for our mutual protection we may monitor\nand record any of our telephone conversations.\n37. VISA Account Updater (VAU)\nVAU is an account updating service in which your card is automatically\nenrolled. When your card(s) expire, are lost or stolen and new cards are\nissued, the service may update relevant card data (card numbers and expiration\ndates) to appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service provides\nupdates to a Visa database only. The database is accessed by those\nqualified merchants seeking your account information after you have\nrequested they process a recurring payment or payments. This service is\nprovided as a free benefit to you. If at any time you wish to opt-out of the VAU\nservice or if you have any questions, please call 1-800- 845-1614 to do so.\n38. Member Communication\nBy providing a telephone number(s) to us now or anytime at a later date,\nyou authorize us or our affiliates and designees to contact you regarding\nsuspicious activity at such number using any means, including but not\nlimited to text messages and pre-recorded voice calls, even if charges may be\nincurred for the calls or text messages by your wireless carrier. Carriers are not\nresponsible for undelivered messages.\n\nYour Billing Rights\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nNOTIFY US OF ERRORS OR QUESTIONS ABOUT YOUR BILL.\nIf you think your bill is wrong, or if you need more information about a\ntransaction on your bill, write us (on a separate sheet) at the address listed on\nyour bill. Write to us as soon as possible. We must hear from you no later than\n60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n- Your name and Account number\n- The dollar amount of the suspected error\n- Describe the error and explain, if you can, why you believe there is an error.\n- If you need more information, describe the item you are not sure about.\nIf you have authorized us to pay your Credit Card bill automatically from your\nSavings or Checking Account, you can stop the payment on any amount you\nthink is wrong. To stop the payment, your letter must reach us three business\ndays before the automatic payment is scheduled to occur.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR\nWRITTEN NOTICE\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the error or\nexplain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill you for the amount\nyou question, including finance charges and we can apply any unpaid amount\nagainst your Credit Limit. You do not have to pay any questioned amount while\nwe are investigating, but you are still obligated to pay the parts of your bill that\nare not in question.\nIf we find that we made a mistake on your bill, you will not have to pay\nany finance charges related to the questioned amount. If we didn\xe2\x80\x99t make a\nmistake, you may have to pay finance charges, and you will have to make up\nany missed payments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due. If you fail\n\nto pay the amount that we think you owe, we may report you as delinquent.\nHowever, if our explanation does not satisfy you and you write us within 25 days\ntelling us that you still refuse to pay, we must tell anyone we report you to that\nyou have a question about your bill and we must tell you the name of anyone\nwe reported you to. We must tell anyone we report you to that the matter has\nbeen settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we cannot collect the first $50 of the\nquestioned amount, even if your bill was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services that you\npurchase with a Credit Card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining\namount due on the property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if not within\nyour home state, within 100 miles of your current mailing address;\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we\nmailed you the advertisement for the property or services. Further, the Credit\nUnion has no liability for any tort or related claims arising from such purchases.\n\nState Law Disclosures\nNotice to New York and Vermont Residents: We may obtain your credit reports at\nany time for any legitimate purpose associated with the Account, and application or a\nrequest for an Account including but not limited to reviewing, modifying and collecting\non your Account. On your request we will inform you if such a report was ordered. If\nso, you will then be given the name and address of the consumer reporting agency\nfurnishing the report. New York residents may contact the New York State\nDepartment of Financial Services by telephone (1-877-226-5697) or by visiting their\nwebsite at https://www.dfs.ny.gov/consumers/banking_money for a comparative list of\ncredit card rates, fees and grace periods.\nNotice to Ohio Residents: Ohio laws against discrimination require that all creditors\nmake credit equally available to all creditworthy customers, and that credit reporting\nagencies maintain separate credit histories on each individual upon request. The Ohio\nCivil Rights Commission administers compliance with this law.\nNotice to Married Wisconsin Residents: No agreement, individual statement, or court\norder, applying to marital property will adversely affect the creditor\xe2\x80\x99s interest unless the\ncreditor, prior to the time credit is extended, is furnished with a copy of the agreement,\nstatement, or order, or has actual knowledge to the adverse provision when the\nobligation to the creditor has occurred.\nNotice to California Residents: Regardless of your marital status, you may apply for\ncredit in your name alone. After credit approval, you may use the Credit Card Account\nup to its credit limit. You will be liable for payment of all amounts extended under the\nplan to you, any joint applicant or authorized user. Further, a negative credit report\nreflecting your credit record may be submitted to a credit reporting agency if you fail to\nperform the terms of your credit obligations.\n\nPlatinum Business Visa/\nPlatinum Visa Agreement and\nDisclosure Statement\n\nFederally insured by NCUA.\nForm 4308\n\nM-132326\n\nM-132326\n\n\x0cThe information about the costs of the card described in this application is accurate as of October 1, 2020.\nThis information may have changed after that date. To find out what may have changed, call 1-800-845-1614,\nvisit foundersfcu.com, or write Founders FCU, 737 Plantation Road, Lancaster, SC 29720.\n\nThe credit union will acquire a security interest in the property purchased with your Credit Card; and\ncollateral securing other loans with us may also secure this account. Also, you are giving us a security\ninterest in your shares and other deposits in the credit union.\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\n\nHow will we calculate Your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including new\npurchases)\xe2\x80\x9d. See your account agreement for more details.\n\nLate Payment Fee: Up to $32\nReturned Payment Fee: Up to $32\nPenalty Fees\n\nCash Advance Fee: $0\nBalance Transfer Fee: $0\nReceipt Copy Fee: $5\nResearch Fee: $20/hr ($2 per copy)\nExpedited Card Fee: $20\nForeign Transaction Fee: 1.00% of each transaction in U.S. dollars\nTransaction Fees\n\nSet Up and Maintenance Fees\n\nFees\n\nNone\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at:\nwww.consumerfinance.gov/learnmore\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nPaying Interest\n\nYour due date is at least 25-days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nHow Long will the Penalty APR Apply? If your APRs are increased, the Penalty\nAPR will apply until you make six consecutive minimum payments when due; and\nyou do not again default on these conditions during this time.\n\n17.90%\n\nThis APR may be applied to your account if your account is three minimum\npayments past due (60 days).\n\nPenalty APR and\nWhen it Applies\n\nIntroductory APR for\nBalance Transfers\n\n2.85% to 6.85%\n\nIntroductory rates for first 6 months for qualified applicants based on your credit\nworthiness and applies to balance transfers made between 10/1/2020 and 12/31/2020.\nYour introductory rate will apply for 6 months from the date of the balance transfer.\nAfter 6 months your APR will vary with the market based on the Prime rate.\n\nThis APR will vary with the market based on the Prime rate.\n\nbased on your creditworthiness.\n\n9.85%, 10.85%, 13.85%,15.85% or 17.90%,\n\nStandard ANNUAL PERCENTAGE\nRATE (APR) for Purchases, Cash\nAdvances and Balance Transfers\n\nInterest Rates and Interest Charges\n\nFounders Federal Credit Union Platinum Visa Credit Card Disclosure\n\nSecurity For Advances and Purchases: The Credit Union will acquire a\nsecurity interest in the property purchased with your Credit Card; and\ncollateral securing other loans with us may also secure this Account.\nAlso, you are giving us a security interest in your shares and other\ndeposits in the Credit Union. This information was accurate as of the\nprinting October 1, 2020, and after that date is subject to change. For changes since printing, call Founders Federal Credit Union at 1-800-845-1614 or\nwrite us at: Founders Federal Credit Union, 737 Plantation Road, Lancaster,\nSouth Carolina 29720.\nAGREEMENT AND DISCLOSURE\nThis is your Agreement and Disclosure Statement with Founders\nFederal Credit Union. Please read it carefully and keep it for your records. It\nsupersedes all prior agreements and disclosure statements relating to your\nAccount. You do not have to sign this Agreement. Your agreement to all of\nthese provisions, as amended from time to time including the Card issued by\nus, will be shown by your application for the Card, your acceptance of the\nCard, or your use of the Card, whichever occurs first.\nMILITARY LENDING ACT NOTICE:\nFederal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces\nand 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\naccount: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account). To receive this\ninformation and a description of your payment obligation verbally, please call\n1-800-845-1614 during our normal business hours.\n1. Definitions\nIn this Agreement, the word \xe2\x80\x9cCard\xe2\x80\x9d means either one or more Visa\nCredit Cards and any duplicates, renewals or substitutions we issue. The\nwords, \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean all Cardholders (borrowers and\nco-borrowers); anyone any cardholder permits to use the Card(s); as well as\nany authorized user for whom an additional Card(s) is issued to the extent of\ntheir purchases and cash advances, as well as transactions by anyone they\npermit to use the Card(s). The word \xe2\x80\x9ccardholder\xe2\x80\x9d means any applicant or\nco-applicant to whom a Card is issued by us. The words \xe2\x80\x9cCredit Union,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d\n\xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Founders Federal Credit Union. \xe2\x80\x9cApplicable Law\xe2\x80\x9d shall\ninclude: \xe2\x80\x9c(i) Visa U.S.A. Inc. Bylaws, Visa U.S.A. Inc. Operating Regulations,\nVisa U.S.A. Inc. Certificate of Incorporation, Visa International Bylaws, and\nVisa International Operating Regulations; and (ii) any and all laws, treaties,\nrules, regulations, or regulatory guidance of the government of the United\nStates, and any state thereof, or of any applicable foreign government or\nstate thereof, as the same may be amended and in effect from time to time.\n2. Pledge of Shares and Security Interest\nBy signing an application, acceptance or authorized use of any\nCredit Cards, you grant and pledge a consensual lien to us on all shares on\ndeposit as defined by your membership agreement to secure payment\nof your obligations on this account. In addition, you acknowledge our\nstatutory lien rights under the Federal Credit Union Act; you agree\nthat such a lien is impressed as of the date that this account is\nopened; and you agree that we can apply the shares pledged at\nthe time of any default on this account without further notice.\n\xe2\x80\x9cShares\xe2\x80\x9d for the purpose of your pledge to secure your obligations to the Credit Union means all deposits in any savings, checking, club, certificate, P.O.D., revocable trust or custodial account(s),\nwhether jointly or individually held \xe2\x80\x93 regardless of contributions,\nthat you have on deposit now or in the future. Your pledge does\nnot include any I.R.A., Keough, tax escrow, irrevocable trust or\nfiduciary account in which you do not have a vested ownership interest.\n\nSECURITY AGREEMENT: Payments on your Account are secured by\nany security interest in any property securing your other obligations to the\nCredit Union, whether existing now or in the future, except your household\ngoods and your primary residence. Further, you hereby grant Credit Union\nsecurity interest in all property purchased through this credit plan, including\na purchase-money security interest in any household goods purchased\nwith an extension of credit upon this Account. These Purchase-Money\nSecurity Interests shall secure faithful performance of all obligations\narising under this Agreement; and the Credit Union shall have all of the\nrights of a secured party in accordance with Article Nine of the Uniform\nCommercial Code and/or other applicable law.\nMilitary Lending Act Partial Exception: If you or your dependents are\nexpressly covered and entitled to the protections provided by the Military\nLending Act then any provisions of the Agreement (below) that address the\nitems expressly excepted in any section to the contrary also do not apply\nto such Loans.\n3. How to Use this Account\nYou must sign the Card in order to use it. You can purchase or lease\ngoods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from any merchant who honors your\nCard up to your Maximum Credit Limit by presenting your Card and\nsigning a sales slip for the amount of the Purchase. You may also use\nthe Card to obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to the lesser of your\nestablished credit limit or $5,000.00 from financial institutions that accept\na Visa Credit Card. Funds advanced from your credit card for Balance\nTransfers and at ATMs are considered Cash Advances and will decrease\nyour Available Cash amount. See your monthly billing statement for your\nAvailable Cash amount. At our discretion, we may change your limits for cash\nadvances. We will notify you if we do through your monthly billing statement.\nYou agree not to present your Card or obtain a Cash Advance for any extension\nof credit in excess of your available Credit Limit (the difference between your\noutstanding balance and your Maximum Credit Limit) on your Account.\nCertain purchases and cash advances will require an authorization\nprior to completion of the transaction. In some cases, you may be asked to\nprovide identification. If our system is not working, we may not be able to\nauthorize a transaction, even though you have sufficient credit available.\nAlso, for security reasons, we may block the usage of your Card in certain\ncountries or geographic areas. We will not have any liability to you or others\nif any of these events occur.\nYou authorize us to honor any Purchase or Cash Advance you make\nby telephone or mail on this Account. You agree that a signature is not\nnecessary as identification in such cases. We reserve the right to refuse to\nhonor any request for credit, to reduce your Credit Limit or terminate your\nAccount at any time using our sole discretion, based on changes in the\neconomy, the Credit Union\xe2\x80\x99s financial condition, your creditworthiness or for\nany other reason not prohibited by law.\n4. ATM Access\nIf you have received a personal identification number (PIN), you may\nuse your Card and PIN to obtain Cash Advances at any Automatic Teller\nMachine (\xe2\x80\x9cATM\xe2\x80\x9d) that accepts your Card. Your PIN is confidential and should\nnot be disclosed to anyone. You agree not to write your PIN on your Card,\nyou will not keep your Card and PIN together, and you will not provide your\nPIN to anyone who is not an authorized user. Except as otherwise provided\nin this agreement, advances through ATM access will be treated as Cash\nAdvances under this Agreement. Advances at authorized ATM\xe2\x80\x99s are limited\nto a total of $500 during any 24-hour period. The total of all cash advances on\nyour Account and any withdrawals from your other Accounts through an ATM\nin any 24-hour period may be combined for the purpose of this limitation.\nWe are not responsible if any ATM does not have enough cash for your\ntransaction or is not in proper working order.\nAlthough we do not charge a fee for this service, others may. Owners\nof ATMs that we do not own may charge fees in addition to any fees\ndisclosed in this Agreement. This is not a fee charged by your Credit\nUnion; however, any such fee will be added to your Account. The party\ncharging the fee is required to provide appropriate disclosures to you with\nregard to any such fees.\n\n5. Maximum Credit Limit\nYour Maximum Credit Limit and your Cash Credit Limit (Cash Advance Limit)\nwill appear on your monthly statement. At our discretion, we may change your Credit\nLimits at any time, and may provide separate limits for purchases and for cash\nadvances. We will notify you if we do, either by mail or through your monthly billing statement. You may request a change to your Credit Limit by contacting the\nCredit Union by telephone or mail. Your continued use of the card will show your\nagreement to any such increase. If you object to an increase in your Credit\nLimit, you must notify Credit Union in writing. Upon receipt of such notice, your\nCredit Limit will be reduced to its prior limit; however, you will be responsible\nfor paying any amounts by which you have exceeded the reduced limit. You\nagree to pay any amounts you owe that exceed your Maximum Credit Balance\nupon demand.\nYou agree we are not obligated to extend to you credit for any amount that\nwould cause your outstanding balance to exceed your Maximum Credit Limit,\nor for any amount if your outstanding balance already exceeds your Maximum\nCredit Limit. Any increase in your Maximum Credit Limit requested by you will\nrequire you to make a written application for our approval. In assessing any\nincrease to your Credit Limit under the provisions in this Section (either at our\ndiscretion or upon request): (a) we may and you authorize us to review your\ncredit history, including consumer credit reports; (b) you authorize us to have\nthis review made by third parties to determine whether you meet the criteria we\nhave set for such an increase; and (c) this process shall not be pre-screening\nunder the Fair Credit Reporting Act or other applicable laws or regulations\nbased on our existing relationship and this Agreement.\nCredit Balances in excess of $1 will be refunded upon your written\nrequest or automatically after six months by depositing the Credit Balance to\nyour Savings Account or by mailing a check to the address to which statements\nare provided payable to the order of any cardholder. You agree that the\nMaximum Credit Limit will at no time exceed the agreed upon amount, and that\nany Credit Balance will not be available or increase the Maximum Credit Limit\navailable for new purchases or cash advances during any billing cycle.\n6. Payments\nYou will be jointly and severally liable and agree to pay the Credit Union for\nall charges (purchases, cash advances, finance charges, and other charges\nadded to your Account under the terms of this or any other agreements with\nus) extended to you or anyone else using any Card issued for your Account,\nunless the use of such Card is by a person other than you, who does not have\nactual, implied or apparent authority for such use and from which you receive no\nbenefit. Authority includes, but is not limited to, any authorized user\xe2\x80\x99s permitting\nanother person to use any Card(s). Further, all users are obligated to us for all\ncharges they make, authorize or permit.\nThe Credit Union can accept late or partial payments as well as payments\nthat are marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without\nlosing any of our rights under this Agreement. If you pay more than the\nMinimum Payment Due, we will allocate the excess amount to your Account\nbalance with the highest annual percentage rate. You must pay the Credit\nUnion in U.S. dollars drawn on funds on deposit in the United States. If you\nmake payment with other currencies or from an institution domiciled outside\nthe United States, then your payment will not be credited until the funds have\nbeen collected by us in U.S. dollars. The Credit Union will determine the\nmethod of applying payments and credits to your Account.\nIf you have a promotional rate balance on your Account, Founders will\nallocate payments/credits to your Account as follows: Minimum Payments Due\non your Account will be applied first to pay balances incurred during the lowest\nAPR promotional period still in effect on your Account. Payments in excess of\nthe Minimum Payment Due will be applied first to pay balances incurred during\nthe highest APR period still in effect on your Account. Applicable terms and\nconditions, which are disclosed at the time any such promotion is offered, shall\nsupersede the terms outlined under \xe2\x80\x9cPayments\xe2\x80\x9d in the Credit Card Agreement\nand Disclosure Statement.\nUnless otherwise required by specifically applicable laws, for payments\nreceived by mail by 5:00 PM EST, you will receive credit that day; and for\npayments made in any other manner, including in person, your Account will be\ncredited the day payment is received.\nYou authorize us to honor any Purchase or Cash Advance you make by\ntelephone or mail on this Account. You agree that a signature is not necessary\nas identification in such cases. We reserve the right to refuse to honor any\nrequest for credit, to reduce your Credit Limit or terminate your Account at any\ntime using our sole discretion, based on changes in the economy, the Credit\nUnion\xe2\x80\x99s financial condition, your creditworthiness or for any other reason not\nprohibited by law.\n\nTo protect you and us, the Credit Union, in its sole discretion, may\nplace a temporary freeze on the credit available to you under this\nagreement any time the Credit Union receives a large payment ($500 or\nmore), by a method other than cash.In such cases, the Credit Union may\nfreeze your credit line until payment is actually collected by us.\n7. Minimum Payment Due\nYou can pay off your Account balance in full each month or you can\npay in monthly installments. If you do not pay your balance in full, you\nagree to pay at least a Minimum Payment of 2% of your new balance\n(rounded to the nearest whole dollar) or $25, whichever is greater. If\nthe new balance shown on your periodic statement is $25 or less, you\nagree to pay this amount. Unless the Credit Union takes other action as\na result of a default under this Agreement, the Minimum Payment Due\nwill also include any amount that is past due and any amount by which\nyour new balance exceeds your Credit Limit. Payments and credits will\nbe applied first to pay billed but unpaid finance charges, late charges,\nand similar charges and next to pay cash advances and purchases. You\nmust pay at least the Minimum Payment each month, but you may pay more\nthan that amount at any time without a penalty. The sooner you pay your new\nbalance, the less you will have to pay in finance charges.You may pay your entire\nAccount balance at any time without penalty.\n\t\tGrace Period For Repayment Of The Balance For Purchases:\nGrace period for repayment of the balance for purchases is approximately\n30 days from the close of the billing cycle. There is no grace period for\ncash advances or balance consolidations. See your statement for billing\ncycle date.\n8. Returns and Adjustments\nMerchants and others who honor your Card may give credit for returns\nor adjustments, and they will do so by sending the Credit Union a credit\nslip which will be posted to your Account. If your credits and payments\nexceed what you owe the Credit Union, the amount will be applied against\nfuture purchases and cash advances. If the credit balance amount is $1 or\nmore, it will be refunded upon your written request or automatically after\nsix months.\n9. Charges Made in Foreign Currencies\nAdditional Charges for Transactions in a Foreign Currency and\n\xe2\x80\x9cCross-Border\xe2\x80\x9d Transactions. Currency Conversion Fee: If you effect\nor authorize a transaction with your access device in a currency other\nthan U.S. Dollars, Visa will convert the charge into a U.S. Dollar amount.\nThe Visa currency conversion procedure includes use of either a\ngovernment mandated exchange rate, or a wholesale exchange rate\nselected by Visa, as applicable. The exchange rate Visa uses will be a\nrate in effect on the day the transaction is processed. This rate may differ\nfrom the rate in effect on the date of the purchase or the date the\ntransaction was posted to your Account. A Currency Conversion Fee of\nup to 1% may be applied to transactions that are converted from foreign\ncurrencies to U.S. dollars. Cross-Border Transaction Fee: In addition, Visa\ncharges us a Cross-Border Assessment up to 1% on each transaction\non all Cross Border Transactions regardless of whether there is a currency\nconversion. For purposes of this Section, \xe2\x80\x9cCross-Border Transaction\xe2\x80\x9d\nshall include both (a) transactions initiated in a foreign country which are\nsubsequently settled in the United States, and (b) transactions initiated\nin the United States but which are ultimately settled in a country outside\nof the United States. The Credit Union will assess these fees to you to\nreimburse it for the fee it is required to pay for each of your transactions\nsubject to these terms. The fee(s) will be shown separately on your\nperiodic billing statement(s). The Currency Conversion Fee, if it applies\nto the transaction, will be included in the transaction amount posted on\nyour statement.\n10. Variable Rate Information\nYour APR for purchase, cash advances and balance transfer\ntransactions may vary. Your Credit Card has a variable rate feature\nmeaning the Annual Percentage Rate (corresponding to the periodic\nrate) and the term of your Visa Credit Card may change due to\ninterest rate fluctuations. The rate is determined by adding a margin\nbetween 6.60% and 14.65% to the prevailing U.S. Prime Rate. The\nPrime Rate, used to determine your APR, is the rate published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the Wall Street Journal on the 25th day of\n\n\x0c'


b'VISA CREDIT CARD AGREEMENT - Continued\npayments as regularly scheduled. This applies to August and September\nSummer Skips. Call for complete details.\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR\nFUTURE USE\nWhat To Do If You Think You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Financial Credit Union\nP.O. Box 90\nWest Covina, CA 91793\nYou may also contact us on the Web: mycu@ffcu.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong\nYou must notify us of any potential errors in writing (or electronically).\nYou may call us, but if you do we are not required to investigate any\npotential 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\nwe received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe this 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\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\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\nquestion or any 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\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date the payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone\n\nto whom we reported you as delinquent, and we must let those\norganizations know 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\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining 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\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nyour 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\npurchase, contact us in writing (or electronically) at:\nFirst Financial Credit Union\nP.O. Box 90\nWest Covina, CA 91793\nmycu@ffcu.org\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\npay, we may report you as delinquent.\nNOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 Federal law requires us\nto provide the following notice to members before any \xe2\x80\x9cnegative\ninformation\xe2\x80\x9d may be furnished to a nationwide consumer reporting\nagency. We may report information about your account to credit bureaus.\nLate payments, missed payments, or other defaults on your account may\nbe reflected in your credit report.\nSPECIAL RULES FOR CALIFORNIA RESIDENTS\nIf you are a California resident, our right to recover any credit extended\nthrough the use of your credit card in making purchases from a retailer is\nsubject to good faith defenses which you have properly asserted as a buyer\nunder California law against the retailer from whom the card holder made\nthe purchases if: (a) the purchase price of the item as to which a defense is\nasserted exceeds $50.00; (b) the purchase was made within the State of\nCalifornia; (c) you have made a written demand upon the retailer with\nrespect to the purchase and attempted in good faith to obtain reasonable\nsatisfaction from the retailer, and (d) you give us written notice specifying\nthe retailer, the date of purchase, the purchase price, the goods or services\npurchased, the nature of your defense with respect to the transaction, as\nwell as the action which you have taken in attempting to obtain\nsatisfaction from the retailer.\nNOTICE TO CREDIT CARD APPLICANTS UNDER 21 \xe2\x80\x94 If you\nare under 21 years old, you will need to show that you are able to make\npayments, or you will need a cosigner (parent or guardian who assumes\njoint liability) in order to open a credit card account.\n\nInterest Rates and Interest Charges\n*\nAnnual Percentage Rate\n\n9.90%\n\n(APR) for Purchases\n\nto 21.90%*\n\nBased on your creditworthiness.\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\n9.90%* to 21.90%*\n\nBased on your creditworthiness.\n\nFirst Financial Credit Union\n\n9.90%* to 21.90%*\n\nBased on your creditworthiness.\n\nPenalty APR\nWhen It Applies\n\nN/A\n\nPaying Interest\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if\nyou pay your entire balance by the due\ndate each month. We will begin charging\ninterest on cash advances and balance\ntransfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge\nwill be no less than $0.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer\nFinancial Protection Bureau at\n\nVISA\nCREDIT CARD\nAGREEMENT\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\nOther Fees\n\nN/A\n4.00% per transaction with a\nminimum of $5.00\n2.00% of the transaction amount\nUp to $15.00\nNone\nUp to $35.00\nPlease refer to the Schedule of Fees for a\ncomplete listing.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage\ndaily balance (including new purchases).\xe2\x80\x9d\n\nP.O. Box 90\nWest Covina, CA 91793\n(800) 537-8491\n*All loans are subject to credit approval and all First Financial policies and\nprocedures. Terms and conditions subject to change. First Financial is an equal\nopportunity lender. Federally insured by NCUA. The rate you will receive depends\non your credit history. Other terms and conditions may apply. For complete\ninformation, please refer to the Platinum Visa Credit Card Agreement. 07/13\n\nTerms and Conditions\nEffective July 15, 2013\n\n\x0cVISA CREDIT CARD AGREEMENT\nIn this agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those\nwho agree to be bound by this agreement; \xe2\x80\x9ccard\xe2\x80\x9d means the Visa credit\ncard and any duplicates, renewals, or substitutions the credit union issues\nto you; \xe2\x80\x9caccount\xe2\x80\x9d means your Visa credit card line of credit account with\nthe credit union, and \xe2\x80\x9ccredit union\xe2\x80\x9d means the credit union whose name\nappears on this agreement or anyone to whom the credit union transfers\nthis agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account,\nthe credit union will establish a line of credit for you and notify you of\nyour credit limit. You agree that your credit limit is the maximum amount\n(purchases, cash advances, finance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) which\nyou will have outstanding on your account at any time. If you are over\nyour credit limit, you must pay the amount you are over before payments\nwill begin to restore your credit limit. You may request an increase in your\ncredit limit only by a method acceptable to the credit union. The credit\nunion has the right to reduce your credit limit, refuse to make an advance\nand/or terminate your account at any time for any reason not prohibited\nby law.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit\ncard will constitute acknowledgement of receipt and agreement to the\nterms of the credit card agreement. You may use your card to make\npurchases from merchants and others who accept Visa cards. However,\nyou may not use your card to initiate any type of gambling transaction.\nIf you wish to pay for goods or services over the Internet, you may be\nrequired to provide card number security information before you will be\npermitted to complete the transaction. In addition, you may obtain cash\nadvances from the credit union and from other financial institutions that\naccept Visa cards, and from some automated teller machines (ATMs).\n(Not all ATMs accept Visa cards.) To obtain cash advances from an ATM,\nyou must use the personal identification number (PIN) issued to you for\nuse with your card. You agree that you will not use your card for any\ntransaction that is illegal under applicable federal, state, or local law.\n3. RESPONSIBILITY \xe2\x80\x94 You agree to pay all charges (purchases and\ncash advances) made to your account by you or anyone you authorize to\nuse your account. You also agree to pay all finance charges and other\ncharges added to your account under the terms of this agreement or\nanother agreement you made with the credit union. If this is a\nco-applicant account, Section 16 also applies to your account.\n4. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account\nduring a billing cycle will not incur a finance charge for that billing cycle\nif you had a zero or credit balance at the beginning of that billing cycle, or\nyou paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement\nby 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\nadditional finance charge on the balance of purchases, you must pay the\nentire new balance on the billing statement by the payment due date of\nthat statement. A finance charge begins to accrue on cash advances from\nthe date you get the cash advance or from the first day of the billing cycle\nin which the cash advance is posted to your account, whichever is later.\nThe finance charge is calculated separately for purchases and cash\nadvances. For purchases, the finance charge is computed by applying the\ndaily periodic rate to the average daily balance of purchases. To get the\naverage daily balance of purchases, we take the beginning outstanding\nbalance of purchases each day, add any new purchases, and subtract any\npayments and/or credits. This gives us the daily balance of purchases.\nThen, we add all the daily balances of purchases for the billing cycle\ntogether and divide the total by the number of days in the billing cycle.\n\nThis gives us the average daily balance of purchases. Balance transfers are\ncalculated in the same manner as cash advances. For cash advances, the\nfinance charge is computed by applying the daily periodic rate to the\naverage daily balance of cash advances. To get the average daily balance of\ncash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any\npayments and/or credits that we apply to the cash advance balance. This\ngives us the daily balance of cash advances. Then, we add all the daily\nbalances of cash advances for the billing cycle together and divide the total\nby the number of days in the billing cycle. This gives us the average daily\nbalance of cash advances.\nThe DAILY PERIODIC RATE and corresponding ANNUAL\nPERCENTAGE RATE applicable to this account are provided and\ndisclosed in and below the table on the back side of this agreement.\n5. OTHER CHARGES \xe2\x80\x94 The following other charges (fees) will be\nadded to your account, as applicable:\na. Cash Advance Fee: A cash advance fee of 4.00% per transaction\nwith a minimum of $5.00 will be charged for any cash advance\ndrawn against the Platinum Visa card.\nb. Late Payment Fee: A late charge of $15.00 will be added to your\naccount if you are late making a payment by 15 days or more.\nc. Return Check Fee: If a check or share draft used to make a\npayment on your account is returned unpaid, you will be charged\na fee of $35.00 for each item returned.\nd. Card Replacement Fee: You will be charged $10.00 for each\nreplacement card that is issued to you for any reason.\ne. Document Copy Fee: You will be charged $25.00 for each copy\nof a sales draft or statement that you request (except when the\nrequest is made in connection with a billing error made by the\ncredit union).\nf. Rush Fee: $30.00.\ng. Collection Costs: You agree to pay all costs of collecting the\namount you owe under this agreement, including court costs and\nreasonable attorney\xe2\x80\x99s fees.\n6. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum\npayment shown on your statement by the date specified on the statement\nor no later than twenty-five (25) days from the statement closing date,\nwhichever is later. If your statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your\npayment is due no later than twenty-five (25) days from the statement\nclosing date. You may pay more frequently, pay more than the minimum\npayment or pay the total new balance in full. If you make extra or larger\npayments, you are still required to make at least the minimum payment\neach month your account has a balance (other than a credit balance). The\nminimum payment is 3.00% of your total new balance, or $10.00,\nwhichever is greater, plus the amount of any prior minimum payments\nthat you have not made, and any amount you are over your credit limit.\nThe credit union also has the right to demand immediate payment of any\namount by which you are over your credit limit.\n7. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your\npayments may be applied to what you owe the credit union in any\nmanner the credit union chooses.\n8. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum\npayment or other required payment by the date that it is due. You will be\nin default if you break any promise you make under this agreement. You\nwill be in default if you die, file for bankruptcy or become insolvent, that\nis, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit\n\napplication or credit update. You will also be in default if something\nhappens that the credit union believes may substantially reduce your\nability to repay what you owe. When you are in default, the credit union\nhas the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree\nto continue paying finance charges at the periodic rate charged before\ndefault, until what you owe has been paid, and any shares that were given\nas security for your account may be applied towards what you owe.\n9. LIABILITY FOR UNAUTHORIZED USE/LOST/STOLEN CARD\nNOTIFICATION \xe2\x80\x94 You agree to notify us immediately, orally or in\nwriting at P.O. Box 90, West Covina, CA 91793 or telephone\n(800) 537-8491 Monday through Friday 7:00 A.M. to 7:00 P.M.,\nSaturday 9:00 A.M. to 1:30 P.M., or (800) 682-6075 after business hours\nand weekends, of the loss, theft, or unauthorized use of your credit card.\nYou may be liable for the unauthorized use of your credit card. You will\nnot be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. You will have no liability for\nunauthorized purchases made with your credit card, unless you are grossly\nnegligent in the handling of your card. In any case, your liability will not\nexceed $50.00.\n10. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94\nThe credit union may change the terms of this agreement from time to\ntime. Notice of any change will be given in accordance with applicable\nlaw. If permitted by law and specified in the notice to you, the change will\napply to your existing account balance as well as to future transactions.\nEither you or the credit union may terminate this agreement at any time,\nbut termination by you or the credit union will not affect your obligation\nto pay the account balance plus any finance and other charges you owe\nunder this agreement. 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\nyou must recover and surrender to the credit union all cards upon request\nor upon termination of this agreement whether by you or the credit\nunion. The credit union has the right to require you to pay your full\naccount balance at any time after your account is terminated, whether it is\nterminated by you or the credit union. If this is a co-applicant account,\nSection 16 of this agreement also applies to termination of the account.\n11. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94\nYou authorize the credit union to investigate your credit standing when\nopening or reviewing your account. You authorize the credit union to\ndisclose information regarding your account to credit bureaus and\ncreditors who inquire about your credit standing. If your account is\neligible for emergency cash and/or emergency card replacement services,\nand you request such services, you agree that we may provide personal\ninformation about you and your account that is necessary to provide you\nwith the requested service(s).\n12. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others\nwho honor your card may give credit for returns or adjustments, and they\nwill do so by sending the credit union a credit slip which will be posted to\nyour account. If your credits and payments exceed what you owe the\ncredit 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\nrefunded upon your written request or automatically after six (6) months.\n13. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94\nThis credit union may from time to time offer additional services to your\naccount, such as travel accident insurance, at no additional cost\nto you. You understand that the credit union is not obligated to offer\nsuch services and may withdraw or change them at any time.\n\n14. FOREIGN TRANSACTIONS \xe2\x80\x94 Visa purchases and cash advances\nmade in foreign currencies will be debited from your account in U.S.\ndollars. The exchange rate between the transaction currency and the\nbilling currency used for processing international transactions is a rate\nselected by Visa from a range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or the government-mandated rate in\neffect for the applicable central processing date, in each instance plus an\nadditional 2.00%. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or\ncardholder statement posting date.\n15. MERCHANT DISPUTES \xe2\x80\x94 The credit union is not responsible for\nthe refusal of any merchant or financial institution to honor your card.\nThe credit union is subject to claims and defenses (other than tort claims)\narising out of goods or services you purchase with the card if you have\nmade a good faith attempt but have been able to obtain satisfaction from\nthe merchant or service provider, and (a) your purchase was made in\nresponse to an advertisement the credit union sent or participated in\nsending you; or (b) your purchase cost more than $50.00 and was made\nin your state or within one hundred (100) miles of your home.\n16. CO-APPLICANT ACCOUNTS \xe2\x80\x94 If this is a co-applicant account,\neach person on the account must sign the agreement (by signing on the\napplication). Each of you will be individually and jointly responsible for\npaying all amounts owed under this agreement. This means that the credit\nunion can require any one of you individually to repay the entire amount\nowed under this agreement. Each of you authorizes the other(s) to make\npurchases or cash advances individually. Any one of you may terminate\nthe account and the termination will be effective as to all of you.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This agreement is the contract\nwhich applies to all transactions on your account even though the sales,\ncash advances, credit, or other slips you sign or receive may contain\ndifferent terms.\n18. NO WAIVER \xe2\x80\x94 The credit union can delay enforcing any of its\nrights any number of times without losing them.\n19. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be\nmailed to you at the most recent address you have given the credit union.\nNotice sent to any one of you will be considered notice to all.\n20. FINAL EXPRESSION \xe2\x80\x94 This agreement is the final expression of\nthe terms and conditions of this Visa line of credit between you and the\ncredit union. This written agreement may not be contradicted by\nevidence of any alleged oral agreement.\n21. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a\ncopy of this agreement.\n22. SIGNATURES \xe2\x80\x94 By signing in the Signature area of the application\nform that was attached to this agreement when you received it, you agree\nto the terms of this agreement. You should detach this agreement from the\napplication and retain it for your records.\nSUMMER SKIPS \xe2\x80\x94 Summer Skips program is offered in the months of\nAugust and September to FFCU Platinum Visa Credit Card holders who\nhave been in good standing; other restrictions may apply. No late fees or\npenalty APR will apply. However, finance charges will continue to accrue\non the unpaid balance. If you elect to \xe2\x80\x9cskip\xe2\x80\x9d your August and September\npayments and make only your minimum payments in the future, it will\ntake longer to pay off the unpaid balance and the total finance charges\nyou will pay will be higher than if you make your August and September\nContinued on Back\n\n\x0c'