b'Date____________________\n\n\xc2\xae\n\n(a) Monthly Statement. We will mail you a statement every month showing\nyour Previous Balance of purchases and cash advances, the current\ntransactions on your account, the remaining credit available under your\nCredit Line, the New Balance of purchases and cash advances, the Total\nNew Balance, the finance charge due to date, and the Minimum\nPayment Required.\n(b) Minimum Payment. Every month you must pay at least the Minimum\nPayment within 25 days of your statement closing date. By separate\n\n6. Details About Your Monthly Payment\n\n3. Liability for Unauthorized Use. You will not be liable to the credit union for\nthe unauthorized use of your card if the unauthorized use was not caused by\nyour gross negligence or fraud. In any case, your liability to\nthe credit union will not exceed $50.00 for other unauthorized use of\nyour card that occurs prior to the time when you give notice of possible\nunauthorized use to the credit union at 78 Fox Street, Madawaska, ME\n04756 at 207-728-7555 and you will not be liable for unauthorized use that\noccurs after you notify the credit union of possible unauthorized use.\n4. Credit Line. If we approve your application, we will establish a self\nreplenishing Line of Credit for you and notify you of its amount when we issue\nthe card. You agree not to let the account balance exceed this approved\nCredit Line. Each payment you make on the account will restore your Credit\nLine by the amount of the payment which is applied to principal. You may\nrequest an increase in your Credit Line only by written application to us,\nwhich must be approved by us. By giving you written notice we may reduce\nyour Credit Line from time to time or, with good cause, revoke your card and\nterminate this Agreement. Good cause includes your failure to comply with\nthis Agreement or our adverse reevaluation of your creditworthiness. You may\nalso terminate this Agreement at any time, but termination by either of us\ndoes not affect your obligation to pay the account balance. The cards remain\nour property, and you must recover and surrender to us all cards upon our\nrequest and upon termination of this Agreement.\n5. Credit Information. You authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you authorize us to\ndisclose information regarding your account to credit bureaus and other\ncreditors who inquire of us about your credit standing.\n\nBusiness/Commercial Members Are Prohibited From Engaging In Unlawful Internet\nGambling \xe2\x80\x93 Unlawful Internet Gambling Enforcement Act Notice:\nRestricted transactions as defined in Federal Reserve Regulation GG are\nprohibited from being processed through this account or relationship.\nRestricted transactions generally include, but are not limited to, those in\nwhich credit, electronic fund transfers, checks, or drafts are knowingly\naccepted by gambling businesses in connection with the participation by\nothers in illegal or unlawful Internet gambling.\n2. Lost Card Notification. If you believe your credit card has been lost or\nstolen, you will immediately call the Credit Union at 207-728-7555 or\n800-804-7555 or after hours at 800-991-4961.\n\n1. Responsibility. If we issue you a card, you agree to pay all debts and the\nFINANCE CHARGE arising from the use of the card and the card account.\nYou are responsible for charges made by anyone else to whom you give the\ncard, and this responsibility continues until the card is recovered. You cannot\ndisclaim responsibility by notifying us, but we will close the account for new\ntransactions if you so request and return all cards. Your obligation to pay the\naccount balance continues even though an agreement, divorce decree, or\nother court judgment to which we are not a party may direct you or one of the\nother persons responsible to pay the account. If more than one person has\napplied for a card or signed the application, paragraph 16 also applies to your\naccount. You agree that you will not use or allow anyone else to use your card\nfor any transaction that is illegal under applicable federal, state or local law.\n\nIn this Agreement, the words you and your mean each and all of those who\napply for the card, sign the application, or use the card. Card means a Visa\ncredit card and any duplicates and renewals we issue. Account means the\nVisa Credit Card Line of Credit with us.\nWe, us, and ours mean this Credit Union.\n\nNorState Federal Credit Union Visa Credit Card Agreement\n\nKeep This Section\n\n(continued on inside)\n\n(b) Figuring the Finance Charge. The FINANCE CHARGE depends on your credit\nscore as follows: A, calculated at the periodic rate of 0.908% per month,\nwhich is an Annual Percentage Rate of 10.9%; B, calculated at the periodic\nrate of 0.991% per month, which is an Annual Percentage Rate of 11.9%;\nC, calculated at the periodic rate of 1.075% per month, which is an Annual\nPercentage Rate of 12.9%; and D, calculated at the periodic rate of\n1.325% per month, which is an Annual Percentage Rate of 15.9%. We will\ntell you in writing which rate applies to your Visa account upon approval of\nyour Application. If your account is current for a period of twelve (12)\nconsecutive months, you may request that we review your credit score. If\nyour credit score is improved, we will adjust your rate accordingly. If your\naccount is past due for more than sixty (60) days, your periodic rate will\nincrease to 1.5% per month which is an Annual Percentage Rate of 18%.\n(i) Cash Advances. The finance charge on cash advances for a billing cycle\nis computed by applying the monthly periodic rate to the average daily\nbalance, which is determined by dividing the sum of the daily balances\nduring the billing cycle by the number of days in the cycle. Each daily\nbalance is determined by adding to the previous balance for cash\nadvances (the outstanding cash advance balance of your account at the\nbeginning of the billing cycle) any new cash advances received and\nsubtracting any payments as received or credits as posted to your\naccount, but excluding any unpaid finance charges.\n(ii) Purchases. The finance charge on purchases for a billing cycle is\ncomputed by applying the monthly periodic rate to the average daily\nbalance of purchases, which is determined by dividing the sum of the\ndaily balances of purchases during the billing cycle by the number of\ndays in the cycle. Each daily balance of purchases is determined by\nsubtracting from the outstanding unpaid balance of purchases at the\n\n(a) When Finance Charge Begins. A finance charge will be imposed on cash\nadvances from the date made or from the first day of the billing cycle in\nwhich the cash advance is posted to your account, whichever is later, and\nwill continue to accrue until the date of payment. A finance charge will be\nimposed on purchases only if you elect not to pay the entire new balance of\npurchases shown on your monthly statement within 25 days from the\nclosing date of that statement. If you elect not to pay the entire new\nbalance of purchases shown on your monthly statement within that 25 day\nperiod, a finance charge will be imposed on the unpaid average daily\nbalance of those purchases from the statement closing date (but not on\npurchases posted during the current billing period) and will continue to\naccrue until the closing date of the billing cycle preceding the date on\nwhich the entire new balance of purchases is paid in full or until the date of\npayment if more than 25 days from the closing date.\n\n7. Finance Charges\n\nagreement you may authorize us to charge the minimum payment\nautomatically to your share or share draft account with us. You may, of\ncourse, pay more frequently, pay more than the minimum payment, or pay\nthe Total New Balance in full, and you will reduce the finance charge by\ndoing so. The Minimum Payment will be any portion of the Minimum\nPayments shown on prior statements which remain unpaid plus either (a)\n2% of your Total New Balance or $20.00, whichever is greater, or (b) your\nTotal New Balance if it is less than $20.00. In addition, at any time your\nTotal New Balance exceeds your Credit Line, you must immediately pay the\nexcess upon our demand.\n(c) Payments made to your account will be applied in the following order: Fees and\nFinance Charges; Previously Billed Purchases; Cash Advances; New\nPurchases. We may accept checks marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or words of\nsimilar effect without losing any of our rights to collect the full balance of\nyour account with us. Any amount received in excess of the minimum\nmonthly payment will be applied from the highest APR balance to the\nlowest APR balance.\n(d) All payments received will be posted by 5:00 P.M. Monday through Friday.\nPayments received after 5:00 P.M. and on a Saturday, Sunday, or a holiday\nwill be post dated to the day payment was made.\n(e) Minimum Payment Warning: Making only the minimum payment will\nincrease the amount of interest you pay and the time it takes to repay your\nbalance. For an estimate of the time it would take to repay your actual\nbalance making only minimum payments, call 800-804-7555.\n\xc2\xae\n\nVisa Credit Card\n\n\x0cbeginning of the billing cycle any payments as received and credits as\nposted to your account, but excluding any unpaid finance charges.\n8. Charges and Fees. The following other charges and fees will be added to your\naccount, as applicable:\n(a) No Annual fee\n(b) Walk-thru fee $30.00\n(c) Over-the-credit-limit $10.00\n(d) Late charge $20.00 (over 30 days)\n(e) Copy of sales draft $10.00\n(f) Card or PIN replacement $20.00\n(g) Statement copy $3.00\n(h) NSF fee $25.00\n9. Default. You will be in default if you fail to make any Minimum Payment\nwithin 25 days after your monthly statement closing date. You will also be in\ndefault if your ability to repay is materially reduced by a change in your\nemployment, an increase in your obligations, bankruptcy or insolvency\nproceedings involving you, your death, or your failure to abide by this\nAgreement. We have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any notice required by\nlaw. The Credit Union will exercise the right to suspend all Credit Union\nservices until any such default has been resolved.\n10. Using the card. To make a purchase or cash advance, there are two\nalternative procedures to be followed. One is for you to present the card to a\nparticipating Visa Credit Card plan merchant, to us, or to another financial\ninstitution, and sign the sales or cash advance draft which is imprinted with\nyour card. The other is to complete the transaction by using your Personal\nIdentification Number (PIN) in conjunction with the card in an Automated\nTeller Machine or other type of electronic terminal that provides access to the\nVisa Credit Card system. The monthly statement will identify the merchant,\nelectronic terminal, or financial institution at which transactions were made,\nbut sales, cash advance, credit, or other slips cannot be returned with the\nstatement. You will retain the copy of such slips furnished at the time of the\ntransaction in order to verify the monthly statement. The Credit Union may\nmake a reasonable charge for photocopies of slips you request.\n11. Returns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by sending us a\ncredit slip which we will post to your account. If your credits and payments\nexceed what you owe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or, if it is $1 or more, refund it on your\nwritten request or automatically after six months.\n12. Foreign Transactions. Purchases and cash advances made in foreign\ncountries and foreign currencies will be billed to you in U.S. dollars.\nA 1% International Transaction Fee will be assessed on all transactions where\nthe merchant country differs from the country of the card issuer.\nThe converted transaction amount will be shown separately from the\nInternational Transaction Fee on your account statement. This fee will be\nassessed on all international purchases, credit vouchers, and cash\ndisbursements.\nVisa charges 0.8% for international transactions that do not involve\ncurrency conversions.\nThe exchange rate for transactions in a foreign currency will be a rate selected\nby Visa from the range of rates available in wholesale currency markets for the\napplicable central processing date; this rate may vary from the rate Visa itself\nreceives, or the government mandated rate in effect for the applicable central\nprocessing date plus the 1% International Transaction Fee.\nVisa assessed surcharge/access fee for ATM or manual cash disbursement\ntransactions initiated outside of the U.S. region:* Visa assesses a cash\ndisbursement fee of U.S. $1.25 on international ATM transactions where a\nsurcharge fee has not been assessed. Visa assesses a cash disbursement fee of\n0.15% + U.S. $0.50 on international ATM transactions where a surcharge fee\nhas been assessed. The 0.15% applies to the amount of cash disbursed and\nnot the surcharge/access fee. In other words, if $200 is disbursed and a $3.00\nsurcharge fee is applied, the 0.15% will be based on the $200.\n*Except in Visa Europe Region.\n\nATM Cash Disbursement Transaction outside the U.S. region without an\nAccess/Surcharge Fee Assessed: If a surcharge fee is not assessed on a\nqualified Visa and Plus ATM international and regional cash disbursement\ntransaction, the ATM cash disbursement fee will be assessed based on the\nlocation of the acquirer as follows: Asian Pacific, 0.52% + US $0.65; Canada,\nUS $1.25; Central/Eastern Europe, Middle East, and Africa, 0.42% + US\n$0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US\n$0.65.\n\n13. Plan Merchant Disputes. We are not responsible for the refusal of\nany plan merchant or financial institution to honor your card. We are subject to\nclaims and defenses (other than tort claims) arising out of goods or services\nyou purchase with the card only if you have made a good faith attempt but\nhave been unable to obtain satisfaction from the plan merchant, and (a) your\npurchase was made in response to an advertisement we sent or participated in\nsending to you, or we own or operate the merchant; or (b) your purchase cost\nmore than $50 and was made from a plan merchant in your state or within 100\nmiles of your home. Any other disputes you must resolve directly with the plan\nmerchant.\n14. Security Interest. You may be giving a security interest in a specific amount\nof your share or share draft account(s) with the Credit Union by signing a\nseparate pledge of shares agreement. If you give a security interest to the\nCredit Union, you must maintain the amount of the security given in your\naccount(s) at all times during which you have the right to use your card(s).\nOther than this security interest, we will not assert any statutory right we may\nhave if you are in default to prevent withdrawal of your Credit Union shares in\nother accounts or in the secured account(s), above the amount of the security\nyou give. The Credit Union also waives any other security interest it may have\nfor advances or purchases made under this agreement.\n15. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your account even though the sales, cash advance, credit, or\nother slips you sign or receive may contain different terms. We may amend this\nAgreement from time to time by sending you the advance written notice\nrequired by law. Your use of the card thereafter will indicate your agreement to\nthe amendments. To the extent the law permits, and we indicate in our notice,\namendments will apply to your existing account balance as well as to future\ntransactions.\n16. Joint Liability. Each person who has signed the application or applied for a\ncard will be individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that the Credit Union can require any one of\nyou individually to repay the entire amount owed under this Agreement. Each\nof you authorizes the other(s) to make purchases or cash advances individually.\nAny one of you may terminate the account and the termination will be effective\nas to all of you.\n17. We are required to send you a periodic statement at least 21 days before\nthe payment due date. If you do not receive your statement by the last day of\nthe month, please call 207-728-7555 for a copy of your most recent\nstatement.\n18. We are required to give you a 45 day notice before any negative impact to\nyour Visa Credit Card Account.\n19. Your Visa Credit Card due date will always be on the same date each\nmonth.\n20. Copy Received. You acknowledge receipt of a copy of this Agreement.\n21. Signatures. By signing in the Signature area of the application form that\nwas attached to this Agreement when you received it, you agree to the terms of\nthis Agreement. You should detach this Agreement from the application and\nretain it for your records.\nYOUR BILLING RIGHTS : KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nNorState Federal Credit Union\n78 Fox Street, Madawaska, ME 04756\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, describe\nwhat 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, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing (or electronically). You may\ncall us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nNorState Federal Credit Union\n78 Fox Street, Madawaska, ME 04756\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nMadawaska \xc2\xb7 Eagle Lake \xc2\xb7 Ashland\nVan Buren \xc2\xb7 Fort Kent \xc2\xb7 Presque Isle\n1.800.804.7555\nwww.norstatefcu.org\n\n\x0cNorState Federal Credit Union Visa Credit Card Application\nA table that includes the APRs and other required cost disclosures for credit card applications is on the reverse side of this application.\nCheck the appropriate box below to indicate the type of credit for which you are applying.\n\xe2\x9d\x91 Individual credit. Complete Applicant section. Complete other section as follows:\nInformation about the party making payments only if you are relying on alimony, spousal\nsupport, child support, or maintenance as a basis for repayment.\n\nCredit limit requested: $\n\n\xe2\x9d\x91 Joint credit. Provide information about both of you\nby completing Applicant and Co-Applicant sections.\n\nNumber of cards desired? \xe2\x9d\x91 1 \xe2\x9d\x91 2\n\nAPPLICANT Name\n\nDate of Birth\n\nMother\xe2\x80\x99s Maiden Name\n\nStreet\n\nSocial Security Number\n\nDriver\xe2\x80\x99s License Number and State\n\nCity, State, Zip\n\nHome Phone\n\nNumber of Dependents\n\nGross Annual Income $\n\nNet Monthly Pay $\n\nCurrent Employer\n\nAre you self employed? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\nOther Income $\n\nBusiness Address\n\nType of Business\n\nTitle/Rank/Grade\n\nBusiness Phone Number\n\nPrevious Employer\n\nAges\n\nSupervisor\xe2\x80\x99s Phone Number\n\nPrevious Business Address\n\nStart Date\n\nTitle/Rank/Grade\n\nStart Date/End Date\n\nCO-APPLICANT Name\n\nDate of Birth\n\nMother\xe2\x80\x99s Maiden Name\n\nStreet\n\nSocial Security Number\n\nDriver\xe2\x80\x99s License Number and State\n\nCity, State, Zip\n\nHome Phone\n\nNumber of Dependents\n\nGross Annual Income $\n\nNet Monthly Pay $\n\nCurrent Employer\n\nAre you self employed? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\nOther Income $\n\nBusiness Address\n\nType of Business\n\nTitle/Rank/Grade\n\nBusiness Phone Number\n\nPrevious Employer\n\nSupervisor\xe2\x80\x99s Phone Number\n\nPrevious Business Address\n\nLIST ALL DEBTS. Attach other sheets if necessary.\nDebts\n\nAges\n\nStart Date\n\nTitle/Rank/Grade\n\nStart Date/End Date\n\nNOTE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.\n\nOwed to\n\nAddress\n\nAccount No.\n\nPresent Balance\n\nMonthly Payments\n\nAmount Past Due\n\nMortgage or Rent\nSecond Mortgage\nAuto Loan\nCredit Card\nCredit Card\nChild Support,\nAlimony or\nMaintenance\nOther\n\nLIST ALL ASSETS. List all items you own free and clear on another sheet if necessary.\nHome \xe2\x9d\x91 Own \xe2\x9d\x91 Rent\n\nYears there\n\nEstimated Market Value $\n\nOther/Describe\n\nMarket Value $\n\nAre you the comaker of any other loans? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\nHave you ever filed for bankruptcy? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\nAuto License(s)\n\nMake of Auto\n1\nMarket Value $\n\nOther/Describe\nHow much?\n\nYear\n\nMake of Auto\n\nYear\n\n2\nOther/Describe\n\nMarket Value $\n\nFor whom?\n\nAre you a U.S. citizen? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\nHave you any legal proceedings against you? \xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\nFINANCIAL REFERENCES\nShare Draft or Checking Account Number / Amount\n\nName and address of depository\n\nPhone\n\nSavings Account Number / Amount\n\nName and address of depository\n\nPhone\n\nPERSONAL REFERENCES\nName and address of nearest relative not living with you\n\nRelationship\n\nName and address of a personal friend (not a relative)\n\nPhone\nPhone\n\nThe credit union is relying on what you stated in this application, and you acknowledge that everything you have stated is true and correct and that you have provided a COMPLETE listing of all your debts and\nobligations. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that\nthe Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received\na credit report on you.\nBy signing below, you acknowledge receipt of and agree to the terms of the Visa Credit Card Agreement that was attached to this application when you received it. Detach the Visa Credit Card Agreement and retain it\nfor your records.\nApplicant Signature\n\nDate\n\nX\n\nCREDIT UNION USE ONLY\n\nCo-Applicant Signature\n\nDate\n\nX\n\n\xe2\x9d\x91 Approved\n\n\xe2\x9d\x91 Rejected\n\nCredit Limit $ _____________________\n\nVisa Account Number _____________________\n\nConditions/Comments _____________________________________________________________________________________________________\n\nMember Credit Union Account Number ___________________\n\nLoan Officer ____________________________\n\nDETACH AND RETURN THIS APPLICATION TO NORSTATE FEDERAL CREDIT UNION\n\nDate _________________\n\n\x0cINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for purchases\n\nCredit Score\nAnnual\nPercentage\nRate\n\nA\n\nB\n\nC\n\nD\n\n10.9% 11.9% 12.9% 15.9%\n\nWe will tell you in writing which rate applies upon approval of your application. Rate based on credit score.\n\nAPR for Balance Transfers\n\nThe same Annual Percentage Rate listed for purchases above.\n\nAPR for Cash Advances\n\nThe same Annual Percentage Rate listed for purchases above.\n\nPenalty APR and When It Applies\n\n18.00% This APR may be applied to your account if you:\n1) Make a late payment;\n2) Go over your credit limit;\n3) Make a payment that is returned; or\n4) Do any of the above on another account that you have with us.\nHow Long Will the Penalty APR Apply? If your APR is increased for\nany of these reasons, the Penalty APR will apply until (you make 6\nconsecutive minimum payments when due)\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is 25 days after the close of each billing cycle. We will\nnot charge interest on purchases if you pay your entire balance by the\ndue date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Federal Reserve Board\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Federal Reserve Board at\nhttp://www.federalreserve.gov/creditcard.\n\nFEES\n\xc2\xb7 Annual Fee\n\nTransaction Fees\n\xc2\xb7 Balance Transfer\n\xc2\xb7 Cash Advance\n\xc2\xb7 Foreign Transaction Fees\n\nNone\n\nNone\nNone\n1% for currency conversion. 0.8% for non-currency conversion.\n$1.25 ATM cash disbursement fee at surcharge-free ATMs\n$0.50 ATM cash disbursement fee at surcharge ATMs\nPlease refer to Section 12, Foreign Transactions for more information.\n\nPenalty Fees\n\xc2\xb7 Late Payment\n\xc2\xb7 Over-the-Credit Limit\n\xc2\xb7 Returned Payment\n\n$20\n$10\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (excluding new purchases).\xe2\x80\x9d\nThe information about the cost of the card described on this application was printed on January 11, 2012 and was accurate as of that date, but is subject to change\nafter that date.\nYou should call the credit union at 207-728-7555 or write to: NorState Federal Credit Union, 78 Fox Street, Madawaska, ME 04756 for any changes in the information\nabout the cost of the card since the time of printing.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0c'


b'CREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n925 Harlow Rd., Springfield, OR 97477\nPhone: 800-445-4483\n\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE\nTRANSFERS), AND SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING\nTHE USE OF YOUR VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE TRANSFERS), OR\nSECURED VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE\nCERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\n%\n\n8.75 to 18.00\nVISA Platinum: __________\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nVISA Platinum (with Intro Rate on Balance Transfers): __________\nThese APRs will vary with the market based on the Prime Rate.\n\n%\n\n%\n\n8.75 to 18.00\nSecured VISA Platinum: __________\nThese APRs will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n8.75 to 18.00\nVISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nVISA Platinum (with Intro Rate on Balance Transfers): __________%\nIntroductory APR\nN/A\nfor _____\nmonths\nN/A\nAfter that Your APR will be __________%,\nand will vary with the market based on the\nPrime Rate.\n8.75 to 18.00\nSecured VISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\n8.75 to 18.00\nVISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nVISA Platinum (with Intro Rate on Balance Transfers): __________%\nThese APRs will vary with the market based on the Prime Rate.\n8.75 to 18.00\nSecured VISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit\nCard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\n\xc2\xb7\n\nAdditional Card Fee\n\n$5.00\n\nTransaction Fees\n\xc2\xb7\n\nForeign Transaction\n\n1.00% of each foreign currency transaction in U.S. Dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xc2\xb7\n\xc2\xb7\n\nLate Payment\nReturned Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0cDEFINITIONS. In this Agreement, the reference to \'\'We,\xe2\x80\x9d "Us," "Our\'\' and "Credit Union" mean SELCO COMMUNITY CREDIT UNION. The words "You" and "Your\'\' mean each\nperson accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum, VISA Platinum\n(with Intro Rate on Balance Transfers), or Secured VISA Platinum Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum,\nVISA Platinum (with Intro Rate on Balance Transfers), or Secured VISA Platinum Credit Card Account established for You under this Agreement. "Convenience Check" means\nthe special Account access devices that We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a variety\nof means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which any advance\nis made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for\nuse of Your Account, including Finance Charges and other fees or charges described herein.\n\nMonthly Periodic Rate\nfor Purchases\n\nANNUAL PERCENTAGE RATE\nfor Purchases\n\nVISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nVISA Platinum (with Intro Rate on Balance Transfers)\n\nN/A\n____________%\n\nN/A\n____________%\n\nSecured VISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nMonthly Periodic Rate\nfor Balance Transfers\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\nVISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nVISA Platinum (with Intro Rate on Balance Transfers)\n\nN/A\n____________%\n\nN/A\n____________%\n\nSecured VISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nMonthly Periodic Rate\nfor Cash Advances\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\nVISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nVISA Platinum (with Intro Rate on Balance Transfers)\n\nN/A\n____________%\n\nN/A\n____________%\n\nSecured VISA Platinum\n\n0.729 to 1.50\n____________%\n\n8.75 to 18.00\n____________%\n\nCredit Card\n\nCredit Card\n\nCredit Card\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial institutions.\nYou agree not to use Your Card for illegal transactions including, but not limited to,\nadvances made for the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\nPURCHASE MONEY SECURITY. For all purchase money transactions made with\nYour Card, to the extent permitted by law, You grant Us a security interest in all such\npersonal property purchased with such Card.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under any other loan You may have with Us will secure all amounts You owe\nUs now and in the future if that status is reflected in the "Truth-in-Lending Disclosure"\nin any particular Agreement evidencing such debt.\nCONSENSUAL SECURITY INTEREST IN SHARES ON DEPOSIT. You grant\nand consent to a security interest in Your shares and deposit accounts with\nUs (except for IRA and Keogh accounts) and any dividends due or to become\ndue to You from Us to the extent You owe on any unpaid Credit Card balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA\nPlatinum Credit Card, You agree to give Us a specific pledge of shares or deposits\nwhich will be equal to 105% of Your Credit Limit. In the event that You default on Your\nAccount, We may apply these shares toward the repayment of any amount owed on\nYour Secured VISA Platinum Credit Card. You may cancel Your Secured VISA\nPlatinum Credit Card at any time by paying any amounts owed on such Account. To\nbe certain that Your entire balance and all advances are paid, any shares pledged\nmay not be available to You for 30 days after You have cancelled and any outstanding\nbalance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which\nYou are approved. Unless You are in default, the Credit Limits established for You will\ngenerally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\n\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any such\nAccount access device(s) will be mailed only to the primary Borrower at the address\nthat We have on file for You. We may refuse to follow any instructions which run\ncounter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only\npay the Minimum Monthly Payments, You understand that You have the right to repay\nat any time without penalty. You also understand that You will only be charged periodic\nFinance Charges to the date You repay Your entire balance. You may make larger\npayments without penalty. Any partial payment or prepayment will not delay Your next\nscheduled payment. All payments to Us must be in lawful money of the United States.\nExcept as required by law, We may apply payments at Our discretion. Any unpaid\nportion of the Finance Charge will be paid by subsequent payments and will not be\nadded to Your principal balance. You understand that any delay in the repayment of\nYour unpaid balance will increase Your periodic Finance Charges and any\nacceleration in the repayment of Your unpaid balance will decrease Your periodic\nFinance Charges.\nMinimum Payments will be an amount equal to 2.00% of Your new unpaid VISA\nPlatinum, VISA Platinum (with Intro Rate on Balance Transfers), or Secured VISA\nPlatinum balance at the end of each billing cycle, subject to the lesser of $25.00 or\nYour balance, plus any portion of the Minimum Payments shown on prior statement(s)\nwhich remains unpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance, We take the beginning balance of Your Account each day, add\nany new purchases, balance transfers, cash advances, insurance premiums, debit\nadjustments or other charges and subtract any payments, credits and unpaid Finance\nCharges. This gives Us the daily balance. Then, We add up all the daily balances for\nthe billing cycle and divide them by the number of days in the billing cycle. The Finance\nCharge for a billing cycle is computed by multiplying the average daily balance subject\nto a Finance Charge by the Monthly Periodic Rate.\n\nPage 2 of 4\n\nOTBS 016CC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0cYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are\nposted to Your Account, will be subject to a Finance Charge. Balance transfers and\ncash advances are always subject to a Finance Charge from the later of the date they\nare posted to Your Account or from the first day of the billing cycle in which the\ntransaction is posted to Your Account.\nFor VISA Platinum (with Intro Rate on Balance Transfers), balance transfer\nN/A\ntransactions obtained during the _____\nday period immediately following the date that\nYour Account is established, will accrue finance charges at an introductory Monthly\nN/A\nPeriodic Rate of _____________%\n(corresponding to an ANNUAL PERCENTAGE\nN/A\nN/A\nRATE of _____________%)\nuntil ______________.\nUpon the expiration of the\nintroductory rate period, the entire balance of balance transfers existing at that time\nand in the future will accrue finance charges at the non-introductory variable rate\ndescribed elsewhere in this Agreement.\nVARIABLE RATE. For VISA Platinum and Secured VISA Platinum, all transactions\nare subject to a Variable Rate which is based on the highest Prime Rate as published\nin the Money Rates section of the Wall Street Journal in effect on the 15th day of the\nmonth that immediately precedes each Change Date ("Index") plus Our Margin. The\nIndex plus the Margin equals the Interest Rate. Changes in the Index will cause\nchanges in the Interest Rate on the first day of the billing that occurs during the first\nmonth of each calendar quarter ("Change Date").\nFor VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash\nadvance transactions are subject to a Variable Rate which is based on the highest\nPrime Rate as published in the Money Rates section of the Wall Street Journal in effect\non the 15th day of the month that immediately precedes each Change Date ("Index")\nplus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the\nIndex will cause changes in the Interest Rate on the first day of the billing that occurs\nduring the first month of each calendar quarter ("Change Date"). Following the\nexpiration of the Introductory Rate period, all balance transfer transactions are subject\nto a Variable Rate which is based on the highest Prime Rate as published in the Money\nRates section of the Wall Street Journal in effect on the 15th day of the month that\nimmediately precedes each Change Date ("Index") plus Our Margin. The Index plus\nthe Margin equals the Interest Rate. Changes in the Index will cause changes in the\nInterest Rate for balance transfers on the day the Introductory Rate period expires, and\nsubsequently, on the first day of the billing that occurs during the first month of each\ncalendar quarter ("Change Date").\nFor all VISA Cards, increases or decreases in the Interest Rate will cause like increases\nor decreases in the Finance Charge and will affect the number of Your regularly\nscheduled payments. For all VISA Cards, Your Interest Rate will never be greater than\n18.00% and will apply to Your remaining principal balance.\nLATE CHARGE. If Your payment is more than 10 days late, You will be charged the\nlesser of: (a) $25.00; or (b) the amount of the minimum payment due.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the billing\ncurrency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates\navailable in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate VISA itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date. For transactions\nthat are initiated in a foreign currency, You will be charged 1.00% of the final\nsettlement amount. For transactions occurring in foreign countries and initiated in U.S.\nDollars, You will be charged 1.00% of the final settlement amount.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) the lesser of $25.00 or the required minimum payment\namount for the returned payment for any check (or other negotiable instrument used\nfor payment) which is returned unpaid; (b) $5.00 for each replacement Card You\nrequest; (c) $5.00 for each replacement PIN You request; (d) $5.00 for each Card You\nrequest be issued to a non-borrower (Authorized User); (e) $20.00 for each stop\npayment You request on a Convenience Check; (f) $6.00 for each statement copy\nYou request; and (g) $15.00 per hour to research Your credit card account.\nOVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in\nsuch increments as We may from time to time determine) to Your share draft account\nby an advance on Your Account, subject to this provision, to clear any overdraft on\nYour share draft account. Whether or not such transfers occur will be controlled by\nthis Agreement. In any event, You hold Us harmless for any and all liability which\nmight otherwise arise if the transfer does not occur. Overdraft protection automatically\nceases if this Agreement is ever cancelled or terminated or Your Account is in default.\nARBITRATION (EXCEPT FOR CREDIT COVERED UNDER THE MLA). This\nprovision does not apply to covered-loans extended to covered borrowers as defined\nwithin the Military Lending Act (MLA). If We determine You have met these definitions,\nthen We will provide a military annual percentage rate (MAPR) and payment obligation\ndisclosure notice, in which case the following paragraph will not apply to You.\n\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nIf We have determined that You did not meet the above referenced definitions, then\nthe above described notice will not be furnished, in which case if a dispute arises\nfrom or relates to this Agreement, or the breach thereof, any controversy or claim\narising out of or relating to this Agreement, shall be settled by arbitration\nadministered by the American Arbitration Association in accordance with its\nArbitration Rules and judgment on the award rendered by the arbitrator(s) may be\nentered in any court having jurisdiction thereof. Claims shall be heard by a single\narbitrator, and both the place of arbitration, together with the laws governing such\narbitration, shall be the area in which Our principal office is located. Time is of the\nessence for any arbitration under this Agreement. Arbitration hearings shall take place\nwithin 90 days of filing, and awards shall be rendered within 120 days of filing.\nArbitrator(s) shall agree to these limits prior to accepting appointment. The\narbitrators will have no authority to award punitive or other damages not measured\nby the prevailing party\'s actual damages, except as may be required by statute. The\narbitrator(s) shall award to the prevailing party, if any, as determined by the\narbitrators, all of their costs and fees. "Costs and fees" mean all reasonable preaward expenses of the arbitration, including the arbitrators\' fees, administrative fees,\ntravel expenses, out-of-pocket expenses such as copying and telephone, court\ncosts, witness fees, and attorneys\' fees. Except as may be required by law, neither\na party nor an arbitrator may disclose the existence, content, or results of any\narbitration hereunder without the prior written consent of both parties. All parties\nhereby waive and give up all rights to a jury trial or class action relief.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each month in which there is a debit or credit\nbalance or when a Finance Charge is imposed. We need not send You a statement if\nWe feel Your Account is uncollectible or if We have started collection proceedings\nagainst You because You defaulted. EACH STATEMENT IS DEEMED TO BE A\nCORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING\nERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience\nChecks have been reported lost or stolen; (3) Your Account has been cancelled or\nhas expired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting\nloss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us;\nor (b) You should die, become involved in any insolvency, receivership or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You\nowe money on Your Account; or (d) A judgment or tax lien should be filed against You\nor any attachment or garnishment should be issued against any of Your property or\nrights, specifically including anyone starting an action or proceeding to seize any of\nYour funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability\nto repay Your indebtedness hereunder is or soon will be impaired, time being of the\nvery essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel Your\nrights under this Agreement, require the return of all access devices and declare the\nentire balance of every Feature Category of Your Account immediately due and\npayable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection and\nreasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed\nunder this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any other\npayments, even if they are marked "paid in full" without losing any of Our rights under\nthis Agreement. If any provision of this or any related agreement is determined to be\nunenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or\notherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\n\nPage 3 of 4\n\nOTBS 016CC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0cthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with this\nAgreement or at a later date becomes an integrated part of this Agreement\nand Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other financial\ninformation related to You, at Our request. You also agree that We may, from time to\ntime, as We deem necessary, make inquiries pertaining to Your employment, credit\nstanding and financial responsibility in accordance with applicable laws and\nregulations. You further agree that We may give information about the status and\npayment history of Your Account to consumer credit reporting agencies, a prospective\nemployer or insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at P.O. Box 7487,\nSpringfield, OR 97475. In Your letter, give Us the following information:\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\n\xc2\xb7\n\xc2\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\nTERMINATION. Either You or We may cancel Your Account at any time, whether or\nnot You are in default. You will, in any case, remain liable to pay any unpaid balances\naccording to the terms of Your Account.\n\n1)\n2)\n\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\nWhile We investigate whether or not there has been an error:\n\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your\nrequest, a Personal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced will\nbe added to Your Account balance. In the event a use of Your PIN constitutes an\nElectronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer\nAgreement may also affect Your rights.\n\n\xc2\xb7\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving the Card.\n\nAfter We finish Our investigation, one of two things will happen:\n\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us (541) 686-8000 or (800) 4454483 during regular business hours, or (866) 262-9488 after hours, on weekends and\non holidays, or by writing to Us at P.O. Box 7487, Springfield, OR 97475. In any case,\nYour liability will not exceed $50.00.\n\n\xc2\xb7\n\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept the\nCards or Convenience Checks, or electronic terminals to honor the Cards or complete\na Card withdrawal, or for their retention of the Cards or Convenience Checks.\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\n\xc2\xb7\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1)\n\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your share\naccount after six months.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Oregon, except to the extent that such laws are inconsistent with controlling\nfederal law.\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof 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.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom We reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou question even if Your bill is correct.\n\nTRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic\nterminal or financial institution at which transactions were made, but sales, cash\nadvance, credit or other slips cannot be returned with the statement.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards\nor Convenience Checks, You will immediately call Us at (541) 686-8000 or (800) 4454483 during regular business hours, or (866) 262-9488 after hours, on weekends and\non holidays or write to Us at P.O. Box 7487, Springfield, OR 97475.\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (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\nthe goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at P.O. Box 7487, Springfield, OR 97475.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point,\nif We think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016CC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n\n925 Harlow Rd., Springfield, OR 97477\nPhone: 800-445-4483\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\n8.75 to 18.00\n\n%\n\nVISA Platinum: __________\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nVISA Platinum (with Intro Rate on Balance Transfers): __________\nThese APRs will vary with the market based on the Prime Rate.\n\n%\n\n8.75 to 18.00\n\n%\n\nSecured VISA Platinum: __________\nThese APRs will vary with the market based on the Prime Rate.\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n8.75 to 18.00\n\nVISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nIntroductory APR\nVISA Platinum (with Intro Rate on Balance Transfers): __________%\nN/A\nfor _____\nmonths\nN/A\nAfter that Your APR will be __________%,\nand will vary with the market based on\nthe Prime Rate.\n8.75 to 18.00\n\nSecured VISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\n8.75 to 18.00\n\nVISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\n\nN/A\nVISA Platinum (with Intro Rate on Balance Transfers): __________%\nThese APRs will vary with the market based on the Prime Rate.\n8.75 to 18.00\n\nSecured VISA Platinum: __________%\nThese APRs will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge You\ninterest on purchases if You pay Your entire balance owed by the due date each month. We\nwill begin charging interest on balance transfers and cash advances on the transaction date.\n\nFees\nSet-up and Maintenance Fees\n\xc2\xb7\n\nAdditional Card Fee\n\n$5.00\n\nTransaction Fees\n\xc2\xb7 Foreign Transaction\n\n1.00% of each foreign currency transaction in U.S. Dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xc2\xb7 Late Payment\n\xc2\xb7 Returned Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016ACC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0cFINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases,\nbalance transfers, cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us\nthe daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle\nis computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the\nnew balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances\nare always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to\nYour Account.\nN/A\nFor VISA Platinum (with Intro Rate on Balance Transfers), balance transfer transactions obtained during the _____\nday period immediately following the date that Your Account\nN/A\nis established, will accrue finance charges at an introductory Monthly Periodic Rate of _____________%\n(corresponding to an ANNUAL PERCENTAGE RATE of\nN/A\nN/A\n_____________%)\nuntil ______________.\nUpon the expiration of the introductory rate period, the entire balance of balance transfers existing at that time and in the future will\naccrue finance charges at the non-introductory variable rate described elsewhere in this Agreement.\n8.75\n18.00\nFor VISA Platinum, all balances will be charged finances at a variable Monthly Periodic Rate of _______%\n- _______%\n(corresponding ANNUAL PERCENTAGE RATE\n8.75\n18.00\n_______%\n- _______%),\ndepending on Your creditworthiness.\n8.75\nFor VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash advance transactions will be charged finances at a variable Monthly Periodic Rate of _______%\n18.00\n8.75\n18.00\n- _______%\n(corresponding ANNUAL PERCENTAGE RATE _______%\n- _______%),\ndepending on Your creditworthiness.\n8.75\n18.00\n8.75\nFor Secured VISA Platinum, all balances will be charged finances at a variable Monthly Periodic Rate of _______%\n- _______%\n(corresponding ANNUAL PERCENTAGE RATE _______%\n18.00\n- _______%),\ndepending on Your creditworthiness.\n\nVARIABLE RATE. For VISA Platinum and Secured VISA Platinum, all transactions are subject to a Variable Rate which is based on the highest Prime Rate as published in the\nMoney Rates section of the Wall Street Journal in effect on the 15th day of the month that immediately precedes each Change Date ("Index") plus Our Margin. The Index plus the\nMargin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing that occurs during the first month of each calendar\nquarter ("Change Date").\nFor VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash advance transactions are subject to a Variable Rate which is based on the highest Prime Rate\nas published in the Money Rates section of the Wall Street Journal in effect on the 15th day of the month that immediately precedes each Change Date ("Index") plus Our Margin.\nThe Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing that occurs during the first month\nof each calendar quarter ("Change Date"). Following the expiration of the Introductory Rate period, all balance transfer transactions are subject to a Variable Rate which is based\non the highest Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 15th day of the month that immediately precedes each Change Date\n("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate for balance transfers on the day the\nIntroductory Rate period expires, and subsequently, on the first day of the billing that occurs during the first month of each calendar quarter ("Change Date").\nFor all VISA Cards, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled\npayments. For all VISA Cards, Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance.\n4.00\n14.00\nFor VISA Platinum, the Margin applicable to Your Account will be _______\n- _______\ndepending on Your creditworthiness.\nN/A\nN/A\nFor VISA Platinum (with Intro Rate on Balance Transfers), the Margin applicable to Your Account will be _______\n- _______\ndepending on Your creditworthiness.\n4.00\n14.00\nFor Secured VISA Platinum, the Margin applicable to Your Account will be _______\n- _______\ndepending on Your creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016ACC FRB_Web SELC (8/19)\nRev. (10/19)\n\n\x0c'