b'PRIORITY REWARDSSM CREDIT CARD AGREEMENT\n(Private Banking)\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n11.24%\n\nAPR for Cash Advances\n\n18.00% Fixed\n\nPenalty APR and When\nit Applies\n\n18.00% Fixed\nThis APR may be applied to your Credit Card account if you make a late payment.\n\nThis APR will vary with the market based on the U.S. Prime Rate.\n\nHow Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six\nconsecutive Minimum Payments when due.\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 New Balance by the Payment Due Date each month.\nWe will begin charging interest on Cash Advances on the transaction date.\n\nPaying Interest\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\n3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency (Fee\nwaived on Purchases for Private Banking customers)\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d See\nthe paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this\nAgreement.\nSEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT\n\nPrivate Banking Priority Rewards\n\nPage 1 of 6\n\nRev. Date 06/01/20\n\n\x0cThis Private Banking Priority Rewards Credit Card Agreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) covers your Private Banking Priority Rewards Credit Card\naccount (the \xe2\x80\x9cCredit Card account\xe2\x80\x9d) you have with us. By requesting or\naccepting a Credit Card account, you agree to be bound by all the terms of\nthis Agreement. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d mean\neveryone who has requested or accepted a Credit Card account with us.\nThe words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d or \xe2\x80\x9cBank\xe2\x80\x9d mean First Hawaiian Bank.\n1. Use. Your Platinum Mastercard\xc2\xae, Platinum Visa\xc2\xae card, World\nMastercard or World Elite Mastercard (individually or collectively called\n\xe2\x80\x9cCard\xe2\x80\x9d) may be used as a credit card for purchases of goods or services\nfrom participating merchants (\xe2\x80\x9cPurchases\xe2\x80\x9d) or to get Cash Advances from\nus or any other financial institution displaying the \xe2\x80\x9cMastercard\xe2\x80\x9d or \xe2\x80\x9cVisa\xe2\x80\x9d\nlogo, or to purchase certain items such as traveler\'s cheques, foreign\ncurrency, money orders, wire transfers, lottery tickets, or (except as noted\nbelow) funds to be used for wagers or gambling (all of which are collectively\nreferred to as \xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your Credit Limit/Revolve Line.\nYou can also obtain a Cash Advance by writing a special check\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance limit\non your Credit Card account. Convenience Checks are available from us\nupon request, or we may periodically provide Convenience Checks as a\nspecial promotion.\nIf you use a Convenience Check available upon\nrequest, all of the terms of this Agreement applicable to Cash Advances will\napply to the Convenience Check. If we offer a special promotion, we will\nexplain to you any special terms of the use of the Convenience Checks.\nThe Cash Advance from a Convenience Check will be posted to your Credit\nCard account when the Convenience Check reaches us. The Convenience\nCheck fee described on page 1 of this Agreement will be imposed on each\nConvenience Check you write. If you stop payment on a Convenience\nCheck, your Credit Card account will be charged the fee shown in the\nparagraph of this Agreement called \xe2\x80\x9cOther Fees."\nFrom time to time we may offer a special balance transfer promotion,\nwhich is an opportunity to make a Cash Advance to pay the balance on\nanother loan you have, by transferring the other loan balance to your Credit\nCard account. If we offer a balance transfer promotion, at that time we will\nexplain to you the terms of the promotion. Unless we tell you otherwise, all\nthe references in this Agreement to balance transfers will apply to any\nspecial balance transfer promotion offered\nYour Card may also be used in certain automated terminals to gain\naccess to your checking, savings, and Credit Card accounts.\nYour Card and Credit Card account may be used only for valid and\nlawful purposes. You may not use your Card (i) to make Purchases or\nobtain Cash Advances for any illegal transaction, or (ii) for any internet or\nonline gambling transactions. Transactions for online or internet gambling\nwill not be approved. If you use your Card for any illegal or prohibited\ntransaction, this Agreement also applies to such transaction and you agree\nto pay any and all amounts related to such transaction pursuant to the\nterms of this Agreement. We may, in our sole discretion, restrict the use of\nor terminate your Card if we notice excessive use of your Card or other\nsuspicious activities or if we reasonably believe the Card is or has been\nused for one or more illegal or prohibited transactions.\nWe have no responsibility for the failure of any machine, merchant,\nfinancial institution, or any other party to honor your Card. If you use, or\nallow someone else to use the Card or Credit Card account for any other\npurpose, you will be responsible for such use and may be required to\nreimburse us for all amounts or expenses we pay as a result of such use.\n2. Special Priority Rewards Program. The Priority Rewards Program\n(the "Program") is the reward benefits program established and maintained\nby Bank with redemption services provided by a third party provider\nselected by Bank. In addition to the other terms and conditions of this\nAgreement, the terms and conditions set forth in the Priority Rewards\nProgram Agreement provided to you with this Agreement shall also apply to\nyour Card.\nBank reserves the right to terminate the Program or to change the\nterms and conditions of the Program at any time without notice. This\nmeans Bank may change, among other things, the rules regarding\nredemption of points, or the restrictions on the use of rewards. Bank also\nhas the right to add or delete benefits and services to your Credit Card\naccount at any time without prior notice.\n3. Credit Limit/Revolve Line. We will notify you of your Credit\nLimit/Revolve Line for each Credit Card account you have with us, which is\nthe total amount of credit we agree to extend to you at any one time. Your\nCredit Limit/Revolve Line will also include a separate limit for Cash\nAdvances. Your Credit Limit/Revolve Line and Cash Advance limit are\nlisted on your monthly periodic statement.\nYour available Credit\nLimit/Revolve Line is the amount of your total Credit Limit/Revolve Line\nminus the sum of your New Balance, any authorized Purchases, Cash\nAdvances and Balance Transfers that have not posted to your Account, and\nany payments that have not cleared. You may apply to increase your\nCredit Limit/Revolve Line, and we reserve the right to lower it without prior\nnotice to you.\nYou agree that you will not let your total charges, including Purchases,\nCash Advances, FINANCE CHARGES (including but not limited to interest,\nForeign Transaction Fees, Cash Advance, Balance Transfer and\nConvenience Check Transaction Fees), late charges, membership fees,\nand other fees that may be due, exceed your Credit Limit/Revolve Line. If\nyou exceed your Credit Limit/Revolve Line, you will be considered to have\nexceeded your Credit Limit/Revolve Line for all purposes of the Agreement,\nand we may reduce the available Credit Limit/Revolve Line of any other\nCredit Card account you have with us until such time as the excess amount\nis paid.\nYou are responsible for keeping track of your New Balance and your\navailable Credit Limit/Revolve Line. We may but are not required to\napprove transactions above your Credit Limit/Revolve Line up to a certain\npercentage of your Credit Limit/Revolve Line which we establish from time\nto time for you based on our established evaluation criteria. If we do\napprove those transactions, those transactions will not increase your Credit\nLimit/Revolve Line. You are responsible for repaying all over-limit amounts\nand FINANCE CHARGES will be assessed on those amounts\nFor security reasons, we may limit the number or amount of Purchase,\nPrivate Banking Priority Rewards\n\nCash Advance and/or Convenience Check transactions that may be\naccomplished with your Card or Credit Card account. We may also limit\nauthorizations to make Purchases or obtain Cash Advances if we consider\nit necessary to verify collection of Payments received on your Credit Card\naccount.\nWorld/World Elite Mastercard Revolve Line. Amounts over your\nRevolve Line may be referred to as a non-revolving line. The Revolve Line\nis the maximum amount upon which you may defer payment on your\naccount, subject to the minimum required payment that must always be\npaid on time. There is no pre-set spending limit for your account. With no\npre-set spending limit, you have the flexibility to make purchases in excess\nof your stated Revolve Line. However, having a no pre-set spending limit\ndoes not mean unlimited spending. Instead, each charge is evaluated\nbased on the spending and payment patterns on the account, merchant\ntype, information from consumer credit reports obtained from credit bureaus\nincluding your experience with other creditors, and our understanding of\nyour resources. Without limiting the foregoing, we may also decline an\nauthorization request for any transaction at any time as described in the\nparagraph of this Agreement called "Authorizing Transactions.\xe2\x80\x9d We may\nalso request additional information from you at any time to evaluate a\ntransaction request or your use of the account in general. In addition, all of\nthe provisions above in this section apply. Your World/World Elite\nMastercard account may provide additional benefits and features and may\nhave additional charges that will be described in separate documentation\nfor the World/World Elite Mastercard program, all of which is incorporated\nby this reference. You authorize us to enroll you in benefits and programs\nthat we may offer from time to time associated with your account, including\nwithout limitation benefits and programs that we offer exclusively to holders\nof World/World Elite Mastercard accounts. Accessing some of the benefits\nand services under the World/World Elite Mastercard program may involve\ncharges to your account. You are responsible for all such charges, even if\nyour account has been closed for any reason.\n4. Temporary Reduction of Credit Limit/Revolve Line. Merchants, such\nas car rental companies and hotels, may request prior credit approval from\nus for an estimated amount of your Purchases, even if you ultimately do not\npay by credit. If our approval is granted, your available Credit Limit/Revolve\nLine will temporarily be reduced by the amount authorized by us. If you do\nnot ultimately use your Credit Card account to pay for your Purchases or if\nthe actual amount of Purchases posted to your Credit Card account varies\nfrom the estimated amount approved by us, it is the responsibility of the\nmerchant, not us, to cancel the prior credit approval based on the estimated\namount. The failure of the merchant to cancel a prior credit approval may\nresult in a temporary reduction of your available Credit Limit/Revolve Line,\nbut will not increase the amount you owe us under this Agreement.\n5. Agreement to Pay. When you use your Card or Credit Card account,\nor when you permit anyone to use it, you agree to pay the amount of any\nand all Purchases or Cash Advances (including Purchases and/or Cash\nAdvances which may have been made in violation of this Agreement),\nFINANCE CHARGES (including but not limited to interest, Foreign\nTransaction Fees, Cash Advance, Balance Transfer and Convenience\nCheck Transaction Fees), late charges, membership fees, and other fees\nthat may become due as shown on the periodic statement. If we accept a\npayment from you in excess of your outstanding balance, your available\nCredit Limit/Revolve Line will not be increased by the amount of the\noverpayment nor will we be required to authorize transactions for an\namount in excess of your Credit Limit/Revolve Line.\n6. Periodic Statement. Each month we will send you a periodic\nstatement for each Credit Card account you have with us covering the\nprevious billing period. We may not send you a statement if your balance is\nzero and there were no transactions during the billing period. The statement\nwill have a \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d and a \xe2\x80\x9cPayment Due Date,\xe2\x80\x9d and will\nshow, among other things, your \xe2\x80\x9cPrevious Balance,\xe2\x80\x9d your \xe2\x80\x9cNew Balance,\xe2\x80\x9d\nand your minimum monthly payment, which will be shown as \xe2\x80\x9cMinimum\nPayment Due.\xe2\x80\x9d The periodic statement is part of this Agreement. If you\nchoose to receive periodic statements electronically, the statements will be\ndeemed to have been sent to you when they are first made available for\nyou to view online.\n7. Payment. You must make a payment by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d You\nhave two choices: You may pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d or you may pay in\ninstallments by paying at least the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d All payments\nmust be made in the lawful money of the United States of America. When\nyour payment is properly received, we will apply your Minimum Payment as\npermitted by law. If you make a payment in excess of the Minimum\nPayment, the excess amount will be applied first to your balance with the\nhighest ANNUAL PERCENTAGE RATE. Any remaining amount of your\nexcess payment will be applied to the balance with the next highest\nANNUAL PERCENTAGE RATE, and so on. Upon confirmation of\ncollection, we will add any Cash Advances or Purchases repaid to your\navailable Credit Limit/Revolve Line; however, in the event of payment by\npersonal or business check, we may delay replenishing your available\nCredit Limit/Revolve Line until your check clears. This means that you may\nnot have access to all or part of the Credit Limit/Revolve Line until we have\ncollected the funds by which you have made payment on the account. If\npayments are made by certified or cashier\xe2\x80\x99s check, electronic funds\ntransfer, automated clearing house, or other means that provide immediate\ncollected funds, we may waive the right to delay restoration of the Credit\nLimit/Revolve Line.\nPayments must be mailed to the BankCard Center address specified in\nyour statement. Payments must reach our BankCard Center by 5:00 p.m.\nHST during our regular business day in order to be credited on that date.\nPayments received after the cutoff time of 5:00 p.m. HST will be credited as\nof the following business day. If you make a payment in person at our\nbranches with the assistance of a branch employee prior to regular closing\ntime for the branch, the payment will be credited as of the date received. If\nyou make a payment by any means other than by mail to our BankCard\nCenter (including payments made by using FHB Online), crediting of your\npayment may be delayed.\nFrom time to time, we may let you skip or reduce one or more monthly\npayments during a year and/or we may temporarily reduce or eliminate\n\nPage 2 of 6\n\nRev. Date 06/01/20\n\n\x0ccertain FINANCE CHARGES on all or a portion of your Credit Card account\nbalance or offer you other special terms. If we do, we will advise you of the\nscope and duration of the applicable skip or promotional feature. When the\nskip or promotional feature ends, your regular rates and all the terms of the\nAgreement will resume.\n8. Minimum Payment\xe2\x80\x93Late Charge. At least the amount of the\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d must be received by us by the \xe2\x80\x9cPayment Due\nDate.\xe2\x80\x9d If it is not, we may apply the late charge shown on page 1 (if\npermitted by law), unless such charge would result in an interest charge\ngreater than the maximum allowable by law, in which case we will only\ncharge the maximum allowable rate. The \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d will\ninclude the amount calculated by using the table shown below, and will also\ninclude any amount past due on your account. Your statement will include\nthe past due amounts as part of the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d\n\xe2\x80\x9cNew Balance\xe2\x80\x9d\n$ 0.01 \xe2\x80\x93 $24.99\n$25.00 or more\n\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d\nEntire \xe2\x80\x9cNew Balance\xe2\x80\x9d\n$25 or 3% of \xe2\x80\x9cNew Balance\xe2\x80\x9d,\nwhichever is greater\n\n9. When You Must Pay to Avoid Interest Charges. There may be\ndifferent treatment of interest charges for Purchases and Cash Advances,\neven though they are computed the same way. You may avoid paying an\ninterest charge on Purchases if you pay the entire New Balance early\nenough to reach us by the Payment Due Date. If we do not receive the\nentire New Balance by the Payment Due Date, the interest charge will be\ncharged on Purchases from the date of the transaction. Interest charges on\nCash Advances begin on the transaction date of each Cash Advance and\nwill be assessed even if your entire New Balance is paid by the Payment\nDue Date.\n10. Computing Your Interest Charge. We figure the interest charge on\nyour account by applying the periodic rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases and \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances, including\ncurrent transactions.\na. Average Daily Balance. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases, we take the beginning balance of your Credit Card account\neach day, add any new Purchases, and subtract any Cash Advances,\npayments, or other credits which were applied to Purchases, unpaid\nFINANCE CHARGES, late charges, membership fees, and other fees.\nIf you paid the Purchases balance in full by the Payment Due Date in\nthe previous billing cycle, in the current billing cycle we will credit\npayments otherwise applicable to Purchases based on our allocation\nmethod as of the first day of the current billing cycle. These\ncomputations give us the Purchases daily balance. To get the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d of Cash Advances, we take the beginning balance each\nday, add any new Cash Advances, and subtract any Purchases,\npayments, or other credits which were applied to Cash Advances,\nunpaid FINANCE CHARGES, late charges, membership fees, and\nother fees. This gives us the Cash Advances daily balance. Then we\nadd up all of the Purchases or Cash Advance daily balances for the\nbilling period and divide each total by the number of days in the billing\nperiod. This gives us the \xe2\x80\x9cAverage Daily Balances.\xe2\x80\x9d\nb. Figuring the Interest Charge. We compute the interest charge by\nmultiplying these Average Daily Balances by the Daily Periodic Rate,\nand then we multiply the result by the number of days in the billing\nperiod. To determine the Daily Periodic Rate, we divide the ANNUAL\nPERCENTAGE RATE in effect for the billing period by 365.\nYour\nCredit Card account is made on a Variable Rate basis for Purchases,\nand the ANNUAL PERCENTAGE RATE and Daily Periodic Rate for\nPurchases are described in the paragraph of this Agreement below\ncalled \xe2\x80\x9cVariable Rate\xe2\x80\x9d The Daily Periodic Rate for Cash Advances is a\nFixed Rate of .0493%, which is equivalent to an ANNUAL\nPERCENTAGE RATE of 18.00%.\nc. Variable Rate. The current ANNUAL PERCENTAGE RATE for\nPurchases is shown on page 1 of this Agreement. The Daily Periodic\nRate for Purchases is .0308%. The Daily Periodic Rate and the\ncorresponding ANNUAL PERCENTAGE RATE may change (by\nincreasing or decreasing) on the first day of each of your billing cycles\nthat begin in March, June, September, and December. Each date on\nwhich the rate of interest could change is called a \xe2\x80\x9cChange Date.\xe2\x80\x9d\nChanges will be based on changes in the \xe2\x80\x9cIndex.\xe2\x80\x9d The Index is the\nhighest U.S. Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The\nWall Street Journal on the last business day of the calendar month prior\nto the month in which the Change Date occurs. The most recent Index\nis called the \xe2\x80\x9cCurrent Index.\xe2\x80\x9d If the Index is no longer available, we will\nchoose a new Index based upon comparable information and will give\nyou notice of our choice. Your interest rate for Purchases is based on a\nvariable rate equal to the sum of the Current Index plus a \xe2\x80\x9cRate Spread\xe2\x80\x9d\nof 7.99 percentage points. (The Rate Spread is also called the Margin.)\nImmediately before each Change Date we will determine the new\ninterest rate for Purchases by adding the Rate Spread to the Current\nIndex. For example, if the Current Index was 3.25% and the Rate\nSpread 7.99, the ANNUAL PERCENTAGE RATE would be 11.24% and\nby dividing this percentage figure by 365, we would compute a Daily\nPeriodic Rate of .0308%. The new interest rate for Purchases will\nbecome effective at the start of your first billing cycle after the Change\nDate. The ANNUAL PERCENTAGE RATE will not exceed the\nmaximum rate permitted by law. The effect of any increase in the\nANNUAL PERCENTAGE RATE and the Daily Periodic Rate for\nPurchases would be to increase the amount of interest you must pay\nand thus increase your monthly payments.\nd. Introductory and Promotional Rates. At our discretion, we may\noffer you an introductory or promotional ANNUAL PERCENTAGE RATE\nfor your Credit Card account. For example, we may offer you an\nintroductory ANNUAL PERCENTAGE RATE for Purchases when you\nopen your Credit Card account, or a promotional ANNUAL\nPERCENTAGE RATE for Balance Transfers. The time period for which\nthe introductory or promotional ANNUAL PERCENTAGE RATE applies\nmay be limited. Any introductory or promotional ANNUAL\nPERCENTAGE RATE offer will be subject to the terms of the offer and\nPrivate Banking Priority Rewards\n\nthis Agreement, including but not limited to the Penalty APR described\nin the paragraph of this Agreement called \xe2\x80\x9cDefault\xe2\x80\x9d. We will provide you\nwith information on the offer, including the time period the introductory\nor promotional ANNUAL PERCENTAGE RATE is in effect in the\ndocuments that accompany your Credit Card or in the materials we\nsend you about the offer after you receive your Credit Card.\ne. Military Lending Act Disclosures. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent.\nThis 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\n(other than certain participation fees for a credit card account).\nAdditional oral disclosures are available at 1-877-640-2337.\n11. Minimum Interest Charge. If the interest charge for all balances on\nyour Credit Card account is less than $1.00, we will charge you the\nMinimum Interest Charge shown on page 1. This charge is in lieu of any\ninterest charge.\n12. Foreign Transaction Fee. If you make a Purchase or Cash Advance\nin a foreign currency, it will be billed to you in U.S dollars. You will be billed\nthe foreign transaction fee for these Purchases and Cash Advances made\nin foreign currency in the amount shown on page 1. This fee, which is a\nFINANCE CHARGE, is not a foreign currency conversion charge and is not\nbased on our exchange cost. We reserve the right to waive this fee for\nPurchases.\n13. Other Transaction Fees. We will charge your Credit Card account\nwhen appropriate the transaction fees shown on page 1, each of which are\nFINANCE CHARGES. Each of these fees will be added to your Credit Card\nbalance when charged.\n14. Other Fees. You also agree to pay us the appropriate fees listed below\nand shown on page 1, which may be amended from time to time by us. You\nauthorize us to charge your Credit Card account (or the account from which\nyou obtained money or information in the case of an automated terminal\ntransaction) for fees due to us. We reserve the right to waive these fees\nfrom time to time. If we incur special expenses on your Credit Card account\ndue to a request made by you, we may also charge you for these expenses.\nAutomated Teller Machine (ATM) Transaction Fees\n(For cards with ATM deposit account access)\nAt a First\nAt a Network\nHawaiian ATM\nATM\n\xe2\x80\xa2 Deposit Account Withdrawal\nN/C\n$3.00\n\xef\x82\xa8 Domestic\nN/A\n$5.00\n\xef\x82\xa8 International\nN/C\n$ 1.00\n\xe2\x80\xa2 Balance Inquiry\n$1.50\nN/A\n\xe2\x80\xa2 Checking Account Statement\nNote: N/C = No Charge; N/A = Not Applicable; Domestic = at an ATM in\nCanada, U.S. and its protectorates and territories, including Guam and the\nCommonwealth of the Northern Mariana Islands (CNMI).\nPayable at Time of Request\n\xe2\x80\xa2 Mastercard or Visa Temporary Replacement Card\nissued by Mastercard International or Visa Travel\nService Center. Temporary card is good for\napproximately 1 month and cannot be used in ATMs\n\xef\x82\xa8 Domestic Fee:\n\xef\x82\xa8 International Fee:\n\xe2\x80\xa2 Emergency Cash Advance issued by Mastercard\nInternational or Visa Travel Service Center is limited\nto $1,000 or your available credit limit/Revolve Line,\nwhichever is less.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\n\n$ 95.00\n$125.00\n$ 50.00\n\n$ 5.00\n$ 20.00/hour\n$ 5.00\n$ 16.00\n$ 10.00\n\nPayable at Time of Delivery\n\xe2\x80\xa2 Replacement Card issued by First Hawaiian Bank\n\xe2\x80\xa2 Returned Payment Check (due to insufficient funds,\nstop payment order on your check, etc.)\n\n$ 20.00\nUp to $35\n\n15. Authorizing Transactions.\nWe reserve the right to decline a\ntransaction on your account for any reason including but not limited to\noperational considerations, your account being in default, or we suspect\nfraudulent or unlawful activity. We are not responsible for any losses\nincurred if a transaction on your account is declined for any reason, either\nby us or a third party, even if you have sufficient credit available.\n16. Credit Insurance is Optional. If you choose to purchase credit\ninsurance, the premiums will be computed on the Average Daily Balance of\nPurchases and Cash Advance, including finance and other charges, up to\n$5,000. The cost for credit insurance is 65\xc2\xa2 per $100 of your average daily\nbalance of Purchases and Cash Advances. During months when you have\nno balances, there is no charge. Credit insurance premiums will be added\nto your Credit Card account as Purchases.\n17. Default. We may declare the entire balance for all Credit Card\naccounts due and payable at once with or without notice or demand if any\nof these events (a \xe2\x80\x9cDefault\xe2\x80\x9d) happens:\na. If you miss a payment under this Agreement or any other obligation\nyou owe us; or\nb. If you violate any terms of this Agreement.\nIf you are in Default, we may terminate your Credit Card account, make\nno more additional loans or advances, and require you to immediately\n\nPage 3 of 6\n\nRev. Date 06/01/20\n\n\x0crepay the entire unpaid balance of all amounts due on your Credit Card\naccount, including but not limited to all loan amounts, late charges and\nother charges assessed but not paid, and all of the FINANCE CHARGES\naccrued but not paid. If we terminate your Credit Card account, your\nobligation to repay the amounts you already owe us would continue.\nAt our option, we may also take action short of terminating your Credit\nCard account. If your required Minimum Payment (shown on your periodic\nstatement as \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) is not received within 60 days of the\npayment due date, we may increase your ANNUAL PERCENTAGE RATE\nfor Purchases and Cash Advances and any applicable promotional rates to\na .0493% Daily Periodic Rate and an ANNUAL PERCENTAGE RATE\n(\xe2\x80\x9cPenalty APR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance. We will\nsend you advance written notice that your ANNUAL PERCENTAGE RATE\nwill be increasing. Your payments under this Agreement, including the\namount of the FINANCE CHARGE, will increase as a result of the increase\nin your Daily Periodic Rate and ANNUAL PERCENTAGE RATE, and any\nsuch increase in your Daily Periodic Rate and ANNUAL PERCENTAGE\nRATE will be shown on your periodic statement. We will reinstate your Daily\nPeriodic Rate and ANNUAL PERCENTAGE RATE to the rate set forth in\nthis Agreement once you have made six consecutive Minimum Payments\non or before the due date, starting with the first billing cycle after the\nPenalty APR is imposed. If we take such lesser action initially, we reserve\nthe right to terminate your Credit Card account and accelerate all amounts\ndue under this Agreement regardless of whether any additional events have\noccurred that would permit termination and acceleration.\nIf you have a World/World Elite Mastercard and fail to comply with any\nof the special terms in this Agreement applicable to the World/World Elite\nMastercard account, you will be in Default under this Agreement and we will\nhave all of the rights set forth in this Agreement as a result of the Default.\nIn addition to all of those rights, we may in our sole and absolute discretion\nconvert your World/World Elite Mastercard account to any other type of\naccount that we may offer. Any such conversion may cause the elimination\nof the benefits associated with the World/World Elite Mastercard account\nwithout prior notice to you.\n18. Automated Terminal Services Involving Your Checking or Savings\nAccount. (Some of these services are only available if your Credit Card\naccount is linked to your checking or savings account with us.)\na. Automated Terminals. You may use your Card in the following\nautomated terminals:\ni. Our First Hawaiian automated teller machines (\xe2\x80\x9cFirst Hawaiian\nATM\xe2\x80\x9d).\nii. Any other automated teller machine (including any ATM we\nmay own besides First Hawaiian ATM) that is participating in a\nnetwork and accepts our Card (\xe2\x80\x9cNetwork ATM\xe2\x80\x9d) and\niii. Any point-of-sale terminal that accepts our Card (\xe2\x80\x9cPOS\nterminal\xe2\x80\x9d).\nb. Services Available at an Automated Terminal.\ni. You may use your Card at a First Hawaiian ATM to:\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\n\xe2\x80\xa2\nMove funds between your checking and savings\naccounts.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\n\xe2\x80\xa2\nMove funds from your Credit Card account to your\nchecking account.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet an interim statement printout of all posted\ntransactions on your checking account since the last\nregular statement period up to the previous business\nday.\nii. You may use your Card at any Network ATM to (some of these\nservices may not be available at all Network ATMs):\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\niii. You may use your Card at a POS terminal to purchase certain\nmerchandise. The amount of your purchase will automatically\nbe charged to your Credit Card account as a Purchase.\nc. Limits of Automated Terminal Services.\ni. Withdrawals and Cash Advances. You may withdraw cash or\nget a Cash Advance from a First Hawaiian ATM up to an\naggregate amount of $2,000 each calendar day, provided that\nthis amount does not exceed your available account balance or\nCredit Limit/Revolve Line. This amount may be less for cash\nwithdrawals and Cash Advances from Network ATMs.\nYou authorize us to charge any withdrawal by use of your\nCard to your checking account or savings account as though\nyou had specifically signed a withdrawal authorization. If there\nare insufficient funds in an account to cover such a withdrawal,\nyou agree that we may treat the amount of such withdrawal\neither as a Cash Advance or as an overdraft that you will be\nobligated to pay us on demand.\nii. Deposits. You may deposit up to $50,000 per transaction using\na First Hawaiian ATM. All deposits made with your Card and\nplaced in a First Hawaiian ATM are subject to receipt by us on\nopening the First Hawaiian ATM and verification of the items\nand the amounts.\niii. Moving Funds. You may move up to $50,000 per transaction\nbetween your checking account and savings account or from\nyour Credit Card account to your checking account using a\nFirst Hawaiian ATM.\nd. Fees for Using Automated Terminal Services. The fees for using\ncertain automated terminal services are disclosed in the paragraph of\nthis Agreement called \xe2\x80\x9cOther Fees.\xe2\x80\x9d\nPrivate Banking Priority Rewards\n\ne. Card and Secret Code Use. You are responsible for all\ntransactions in which you use your Card in an automated terminal, or\nthe use of the Card by anyone else who uses it with your permission.\nSecurity in use of the Card is provided by the secret code, which we will\nprovide you, and the magnetically encoded stripe on the Card. Please\nkeep the Card safe and also protect the secret code. Use the Card and\nthe secret code as instructed at all times. Please notify us of any\nmechanical or operating failure in connection with the use of your Card.\nDo not permit anyone else to use your Card and do not disclose your\nsecret code or record it on the Card. The Card remains the property of\nthe Bank and can be revoked and repossessed at any time. You must\nreturn it to us when asked.\nf. Time of Transaction. All transactions are subject to the time\nnecessary for us to process them. Any transaction made on a holiday or\nafter regular banking hours may be held by us until the next business\nday. Any transaction involving an account or matter located at any other\noffice of the Bank is subject to receipt at the other office and the time\nnecessary to process it.\ng. Documentation of Transfers.\ni. Terminal Transfers. You can get a receipt at the time you\nmake any transfer at a First Hawaiian ATM, Network ATM, or\nPOS terminal.\nii. Periodic Statements. If you have a checking account, you will\nget a monthly checking account statement. If you have\narranged for electronic access to your savings account, you\nwill get a quarterly savings account statement. However, if\nthere are any transfers in a particular month, you will get a\nsavings statement that month, as well.\nh. In Case of Errors or Questions About Your Electronic\nTransfers Involving Your Checking or Savings Account. Call or\nwrite to us at the telephone number and address stated in the\nparagraph of this Agreement called \xe2\x80\x9cWhere to Call or Write\xe2\x80\x9d as soon as\nyou can if you think your statement or receipt is wrong or if you need\nmore information about a transfer listed on the statement or receipt. We\nmust hear from you no later than 60 days after we sent you the first\nstatement on which the problem or error appeared. When reporting an\nerror or requesting more information:\ni. Tell us your name and account number.\nii. Describe the error or the transfer you are unsure about, and\nexplain as clearly as you can why you believe it is an error or\nwhy you need more information.\niii. Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint\nor question in writing within 10 business days. We will determine\nwhether an error occurred within 10 business days after we hear from\nyou and will correct any error promptly.\nWe will tell you the results of our investigation within 10 business\ndays after we hear from you and will correct any error promptly. If we\nneed more time, however, we may take up to 45 days to investigate\nyour complaint or question. If we decide to do this, we will re-credit your\naccount within 10 business days for the amount you think is in error, so\nthat you will have the use of the money during the time it takes us to\ncomplete our investigation. If we ask you to put your complaint or\nquestion in writing and we do not receive it within 10 business days, we\nmay not re-credit your account.\nWe will tell you the results within three business days after\ncompleting our investigation. If we determine that there was no error,\nwe will send you a written explanation. You may ask for copies of\ndocuments that we used in our investigation.\ni. Our Liability for Failure to Make Transfers. If we do not properly\ncomplete a transfer to or from your account on time or in the correct\namount according to our agreement with you, we will be liable for your\nlosses or damages. However, there are some exceptions. We will not\nbe liable, for instance:\ni. If, through no fault of ours, you do not have enough money in\nyour account to make the transfer;\nii. If the transfer would go over the credit limit on your overdraft\nline;\niii. If the automated terminal where you are making the transfer\ndoes not have enough cash;\niv. If the automated terminal was not working properly and you\nknew about the breakdown when you started the transfer;\nv. If circumstances beyond our control (such as fire or flood)\nprevent the transfer, despite reasonable precautions we have\ntaken; or\nvi. If your account does not contain enough money because we\nhave placed a hold on some items or the account is subject to\nlegal process.\nvii. There may be other exceptions.\nj. Disclosing Account Information to Third Parties. We may\ndisclose information to third parties about your account or the transfers\nyou make:\ni. Where it is necessary for completing transfers;\nii. In order to verify the existence and condition of your account for\na third party, such as a credit bureau or merchant;\niii. In order to comply with government agency or court orders; or\niv. If you give us your written permission.\n19. ATM Safety. It is important to be aware of your surroundings when\nusing an ATM, especially at night. When you are using an ATM, you should\nsecure any cash you withdraw before leaving the ATM. If you need to use\nan ATM at night, consider taking someone you know with you, and only use\nan ATM that is well-lit and unobstructed from view. If anything appears to\nbe suspicious, do not use the ATM. Always call 911 in the event of an\nemergency or to report any suspicious activity. If you have any questions\nor comments about the safety of any of our ATMs, please call us on Oahu\nat (808) 844-4444 or 1-888-844-4444 from the neighbor islands, Guam, the\nCNMI or Continental U.S.\n20. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at\nonce if you believe your Card has been lost or stolen. Telephoning is the\n\nPage 4 of 6\n\nRev. Date 06/01/20\n\n\x0cbest way of keeping your possible losses down.\na. Unauthorized Use as Credit Card. You may be liable for the\nunauthorized use of your Card as a credit card. You will not be liable for\nunauthorized use of your Card as a credit card that occurs after you\nnotify us at the telephone number or address stated in the paragraph of\nthis Agreement called \xe2\x80\x9cWhere to Call or Write,\xe2\x80\x9d orally or in writing, of\nloss, theft, or possible unauthorized use. In any case, your liability for\nunauthorized use of your Card as a credit card will not exceed $50.\nb. Unauthorized Use in Automated Terminals.\ni. If you tell us within two business days, you can lose no more\nthan $50 if someone used your Card at an automated terminal\nwithout your permission.\nii. If you do not tell us within two business days after you learn of\nthe loss or theft of your Card and we can prove that if you had\ntold us, we could have stopped someone from using your Card\nat an automated terminal without your permission, you could\nlose as much as $500.\niii. If you do not notify us at all, you could lose all the money in\nyour checking and savings accounts plus your maximum\noverdraft line of credit.\niv. Also, if your statement shows transfers that you did not make,\ntell us at once. If you do not tell us within 60 days after the\nstatement was mailed to you, you may not get back any money\nyou lost after the 60 days if we can prove that we could have\nstopped someone from taking the money if you had told us in\ntime.\nv. If a good reason (such as a long trip or a hospital stay) kept\nyou from telling us, we will extend the time periods.\n21. Where to Call or Write. If you believe your Card has been lost or\nstolen or that someone has transferred or may transfer money from your\naccount or otherwise use your Card or Credit Card account without your\npermission, call: (808) 847-4444 on Oahu; Neighbor Islands, Guam,\nCommonwealth of the Northern Mariana Islands (CNMI), or Continental U.S\ncall 1-800-342-2778 or write to: First Hawaiian Bank, BankCard Security\nDepartment, P.O. Box 1959, Honolulu, Hawaii 96805.\n22. Our Business Days. Our business days are Monday through Friday,\nexcept for bank holidays.\n23. Credit Investigation and Disclosure. You authorize us, both now and\nin the future, to check your credit and employment history and to release\ninformation about our credit experience with you in response to legitimate\ncredit inquiries. If you believe that we have incorrect information or have\nreported inaccurate information about you to a credit bureau, please call us\nat (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778.\n24. Security Interest. We have no security for any amounts which become\ndue under this Agreement unless you have given us a specific security\ninterest in connection with the Agreement, which is described on the\nSecurity Agreement Supplement to this Agreement.\n25. Collection. You promise to pay all collection costs, including, without\nlimitation, mailing and delivery charges, reasonable lawyers\xe2\x80\x99 fees and court\ncosts at trial and on appeal, all as permitted by law.\n26. If There are More Than One of You. Each of you individually, or all of\nyou together, will be liable under this Agreement. We may collect from or\nsue any one of you, or make any settlements or extensions with any one of\nyou, without giving up our rights against the other(s). You understand that\nany one of you can make Purchases or get Cash Advances under this\n\nAgreement which will be binding upon all of you.\n27. No Waiver of Rights. If we choose to waive any of the terms or\nconditions of this Agreement on a case-by-case basis, such as by not\ndeclaring the entire balance due when the minimum monthly payment has\nnot been made on time, it does not mean that we have waived, or given up,\nour right to exercise any of our rights or remedies under this Agreement in\nthe future. We are not required to use any particular kind of demand or\nnotice in order to collect amounts due to us under this Agreement. No\nindulgence or acceptance by us of delinquent or partial payments\nconstitutes a waiver of our rights or of any provision of this Agreement. No\nwaiver of any existing default shall be deemed to waive any subsequent\ndefault.\n28. Change in Terms and Relationship. We can change, add to, delete or\notherwise modify the terms of this Agreement at any time in any way\npermitted by law. We will send you advance notice of any change to this\nAgreement. If the change affects use of your Card in an automated\nterminal, we will give you advance notice of the change unless the change\nhas to be made immediately for security reasons. A notice of change we\nsend you will describe any right you have to opt out of a particular change,\nif any, and will describe whether a particular change affects your\noutstanding balance. We do not have to send a notice of the change if it\nfavors you, such as by reducing rates, increasing the maximum Credit\nLimit/Revolve Line, etc.\nYou are provided special terms that are offered to you conditional upon\nmaintaining your Private Banking relationship. If you cease to be a Private\nBanking customer, we may, in our sole discretion, convert your account to\nany other type of non-Private Banking account that we may offer. Any such\nconversion may cause the elimination of certain features and benefits. We\nwill provide you with notice of this change.\n29. Canceling this Agreement. We have the right to cancel this\nAgreement at any time by sending a notice to any one of you in writing. You\nalso have the same right to cancel this Agreement at any time by sending\nus a notice in writing. If this Agreement is canceled by you or us, your\nobligation to repay amounts you already owe under this Agreement would\ncontinue, and you must return your Card to us.\n30. Other Agreements. Use of your Card is subject to the terms of existing\nregulations governing deposit accounts and other agreements and\ndisclosures for your checking, savings, and Credit Card accounts, and any\nfuture changes.\n31. Governing Law. This Agreement will be governed by the laws of the\nState of Hawaii, and, as applicable, federal law, regardless of where the\nPurchases or Cash Advances are made, and you agree that any legal\naction that may be filed by you elsewhere will be transferred to an\nappropriate court in Hawaii if we decide that we want it to be transferred.\n32. Monitoring/Recording Telephone Calls. Our supervisory personnel\nmay listen to and record your telephone calls to us for the purpose of\nmonitoring and improving the quality of service you receive.\n33. Emergency Situation. In the event of an emergency situation beyond\nour reasonable control, such as an "act of God," war, fire, or natural\ndisaster, services involving your account could be available only in a\nmodified or reduced form or could be entirely unavailable. Unless expressly\nprohibited by applicable law, you agree that we will have no liability to you\nfor such modification, reduction, or unavailability of services caused by an\nemergency situation.\n\nYOUR BILLING RIGHTS: Keep This Notice for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\xe2\x80\xa2\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:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\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\nmistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if\nyou do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived 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 the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\nPrivate Banking Priority Rewards\n\nWe can apply any unpaid amount against your credit limit/revolve\nline.\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\nIf we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount 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. 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\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 problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue 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\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor 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\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nPage 5 of 6\n\nRev. Date 06/01/20\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\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,\nwe may report you as delinquent.\n\nPrivate Banking Priority Rewards\n\nPage 6 of 6\n\nRev. Date 06/01/20\n\n\x0c'


b'CREDIT CARD BILLING RIGHTS \xe2\x80\x94 TERMS AND CONDITIONS\nYour Billing Rights \xe2\x80\x94 Keep this notice for future use.\nThis notice contains important information about your rights and the responsibilities of Fox\nCommunities Credit Union under the Fair Credit Billing Act. Notify us in case of errors or\nquestions about your bill.\nIf you think your bill is wrong, or if you need more information about a transaction on your\nbill write us at:\n\t\t Fox Communities Credit Union\n\t\t 3401 E. Calumet Street\n\t\t Appleton, WI 54915\nContact us as soon as possible, we must hear from you no later than 60 days after we\nsent you the first bill on which the error or problem appeared. You can telephone us at\n920-993-9000, but doing so will not preserve your rights.\nGive us the following information:\n\t\t \xe2\x80\xa2 Your name and account number.\n\t\t \xe2\x80\xa2 The dollar amount of the suspected error.\n\t\t \xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error.\n\t\t\nIf you need more information, describe the item you are not sure about.\nIf you tell us about your dispute orally, we may require that you send us your complaint or\nquestion in writing within 10 business days.\nIf you have authorized Fox Communities to pay your Credit Card bill automatically from your\nsavings or checking account, you can stop the payment on any amount you think is wrong.\nTo stop the payment your request must reach us three business days before the automatic\npayment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice.\nFox Communities must acknowledge your request within 30 days, unless we have corrected\nthe error by then. Within 90 days, we must either correct the error or explain why we believe\nthe bill was correct. After 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 you question,\nincluding finance charges, and we can apply any unpaid amount against your credit limit.\nYou do not have to pay any questioned amount while we are investigating, but you are still\nobligated to pay the parts of your bill that are not in question. If we find that we made a\nmistake on your bill, you will not have to pay any finance charges related to any questioned\namount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will\nhave to make up any missed payments on the questioned amount. In either case, we will\nsend you a statement of the amount you owe and the date that it is due. If you fail to pay\nthe amount that we think you owe, we may report you as delinquent. However, if our\nexplanation does not satisfy you and you write to us within 10 days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have a question about your\nbill. And, we must tell you the name of anyone we reported you to. We must tell anyone we\nreported you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t\nfollow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill\nwas correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services that you purchased with the\nCard, and you have tried in good faith to correct the problem with the merchant, you have\nthe right not to pay the remaining amount due on the property or services. There are two\nlimitations on this right:\n(a) You must have made the purchase in your home state or, if not within your home\n\t\t state within 100 miles of your current billing address; and\n(b) The purchase must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed\nyou the advertisement for the property or service.\nTERMS AND CONDITIONS\nThe purpose of this agreement is to establish the terms and conditions of a Line of Credit.\nIn this Agreement, the words \xe2\x80\x9cI\xe2\x80\x9d, \xe2\x80\x9cmy\xe2\x80\x9d, or \xe2\x80\x9cCardholder\xe2\x80\x9d mean each person who applies for\nthe Credit Card or who signs this Agreement or who uses the Credit Card or duplicates the\nCredit Card. The word \xe2\x80\x9cCard\xe2\x80\x9d means your Credit Card and duplicates of said Card. The word\n\xe2\x80\x9caccount\xe2\x80\x9d means the Credit Card revolving credit account with Fox Communities Credit\nUnion (\xe2\x80\x9cFCCU\xe2\x80\x9d or \xe2\x80\x9cIssuer\xe2\x80\x9d). Signing this Agreement establishes my request for the issuance\nof a Credit Card. The credit limit approved will be established by the credit union. Cardholder\nagrees not to let the account balance exceed this amount.\n1. Responsibility. Prior to the use of the Card that may be issued (and any renewals thereof) I\nagree that I will comply with all of the terms and conditions established by FCCU pertaining\nto the use of said Card. The terms and conditions referred to herein are those that are\nprovided with this application or communicated in the future. In the event that I do not wish\nto comply with the terms and conditions for any reason, I understand that I may terminate\nthis Agreement and return the Card(s) to FCCU. I promise to pay any and all charges incurred\nby me or any person whom I authorize to use the Card issued to me. FCCU reserves the right\nto revoke the Card, without affecting my obligation to pay the account balance. The Cards\nremain Issuer\xe2\x80\x99s property, and if Issuer requests I must recover and surrender to FCCU all\nCards issued on my account.\n2. Convenience Checks. FCCU may, from time to time, supply Cardholder with personalized\nConvenience Checks that are subject to the following conditions. Only the person whose\nname is printed on a Convenience Check may sign it. All Convenience Checks must be written\nin U.S. dollars. Any Convenience Check that Issuer pays will be posted to my account as\na cash advance and will be subject to all the terms in this agreement that apply to cash\nadvances. The Wisconsin Uniform Commercial Code, as well as applicable FCCU policies and\nfees, will apply to Convenience Checks as if they were drawn on a share draft account.\n\n3. Finance Charges. My account will be subject to a finance charge during any statement\nperiod during which I (a) received, or had outstanding, a cash advance, or (b) failed to pay in\nfull the previous balance shown on the statement during the first 27 days of the statement\nperiod. The interest portion of the finance charge is calculated at a monthly rate on the\namount subject to interest. The interest rate shall be established by Issuer from time to time,\nbut shall never exceed the maximum rate permitted by law. Actual method used to get the\nfinance charge is disclosed at the time you receive your first statement.\n4. Monthly payment. The line of credit will be repaid as follows: either the full amount\nbilled shall be paid, or at my option, an installment equal to at least the required minimum\npayment. If the outstanding balance of my account is $20.00 or less, it will be payable in full.\nThe required minimum monthly payment shall be the greater of (i) $20.00 or (ii) 3% of that\nportion of the outstanding balance which does not exceed my credit limit, plus any amount\npast due or above my credit limit. I may, of course, pay more than the minimum payment or\npay the new balance in full and therefore reduce or avoid the finance charge by doing so. A\nminimum payment is required for every statement period and any additional amount paid,\nwhile reducing my balance, will not prepay any future minimum payments.\n5. Credit Information. I understand that FCCU may obtain a consumer report from consumer\nreporting agencies in considering this application and that FCCU may periodically review\nmy Credit Card file and I hereby give my permission to and authorize FCCU to investigate\nand re-assess my creditworthiness. I promise not to submit false or inaccurate information\nor willfully conceal information regarding my creditworthiness, credit standing, or credit\ncapacity.\n6. Change of Address. FCCU will send all statements or other correspondence regarding my\naccount to the address shown in its records. I promise to notify FCCU of any change in my\nname and address.\n7. Default. Cardholder will be in default if Cardholder fails to make the minimum payment on\ntime two times during any 12 month period. Cardholder will also be in default if the ability to\nrepay FCCU, or the value to FCCU of its security interest, is materially reduced by a change in\nmy employment, an increase in my obligations, my failure to abide by these regulations, or\nthe fact that my spouse dies, changes in domicile or marital status, or I become the subject of\nbankruptcy or insolvency proceedings. FCCU has the right to demand immediate payment\nof my full account balance if I do not cure any default within 15 days after FCCU sent me a\nwritten default notice. FCCU has this right, without notice, if the default is my third within\n12 months and FCCU notified Cardholder of the prior two. In addition, if I am a resident\nof Wisconsin FCCU may declare the account balance due and payable if FCCU receives\nwritten notice from my spouse terminating the account. I (and my spouse to the extent not\nprohibited by law) remain responsible for all amounts charged to my account both before\nand after receipt of such notice. In the event of suit to collect unpaid balances, all costs,\nincluding attorney\xe2\x80\x99s fees as may be reasonable and just, and the cost, expenses incurred in\nappellate, bankruptcy and post-judgement proceedings, shall be imposed, except to the\nextent such costs, fees or expenses are prohibited by law.\n8. Security Interest. To secure each purchase loan, I grant FCCU a security interest under\nthe Uniform Commercial Code in any goods I purchase with my Card. If I default, FCCU will\nhave the right to recover any of these goods which have not been fully paid for through the\napplication of payments. If I have given FCCU any other security interests for all my debts, my\nCard account will also be secured by the property described in these security agreements\n(except for my home, home furnishings, appliances and clothing) whenever my account\nbalance exceeds $1,000. If I have executed a written agreement granting a security interest\nin any deposit accounts (checking or savings) or other funds held by FCCU to secure my\nobligations under this Credit Card plan, such account and/or funds are additional security for\nmy obligations to Issuer arising from the use of my Card.\n9. Foreign Transactions. When I use my Card for a transaction denominated in a currency\nother than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying\nan exchange rate selected by VISA from among the range of rates available in wholesale\ncurrency markets or the government-mandated rate on the date the transaction is\nprocessed. The rate chosen may vary from the rate VISA itself receives. In each instance,\nan International Service Assessment equal to one percent of the amount of the transaction\n(expressed as a positive number) will be assessed against my account.\n10. Illegal Use. I agree that illegal use of the Card will be deemed an action of default and/\nor breech of contract and the line of credit and other related services may be terminated\nat FCCU\xe2\x80\x99s discretion. I further agree, should illegal use occur, to waive any rights to sue\nFCCU for such illegal use or any activity directly or indirectly related to illegal use and\nadditionally agree to indemnify and hold FCCU harmless from any suits or legal action or\nliability resulting from such illegal use. FCCU reserves the right to decline to authorize any\ntransaction that may possess an undue risk of illegal activity.\n11. Liability for Unauthorized Use-Lost/Stolen Card Notification. I agree to notify FCCU\nimmediately, orally or in writing at 3401 E. Calumet Street, Appleton, WI 54915 or telephone\n920-993-9000, or 1-866-333-4740, of the loss, theft, or unauthorized use of my Credit Card. I\nwill not be liable for unauthorized purchases made with my Credit Card, unless I am grossly\nnegligent in the handling of my Card. In any case, my liability will not exceed $50. If 10 or\nmore Cards are issued for use by employees of a single business or other organization, there\nis no limit to Cardholder\xe2\x80\x99s liability for any unauthorized use that occurs before Cardholder\nnotifies Issuer as provided herein, the business or organization may only impose liability on\nits employees for unauthorized use of a card as permitted by federal law and regulation.\n12. Governing Law. To the extent not expressly prohibited by applicable law, this\nAgreement and my account, as well as, FCCU\xe2\x80\x99s rights and duties and my rights and\nduties regarding this Agreement and my account, will be governed by and interpreted in\naccordance with the laws of the State of Wisconsin and the United States, regardless of\nwhere I may reside or use my account at any time. This choice of law is made because of\na strong relationship between this Agreement and my account at FCCU because issuer\nis located in Wisconsin, and to insure uniform procedures and interpretation for all FCCU\nmembers, no matter where they may reside or use their account. If any term or provision\nof this agreement is found to be unenforceable, this will not make any other terms or\nprovisions unenforceable.\n13. Change of Terms. FCCU may change the terms of this Agreement at any time but will\ngive Cardholder a written notice at the Cardholder\xe2\x80\x99s last known address of any changes as\nrequired by law before the changes take effect.\n\n\x0c'


b'VISA Platinum Credit Card Disclosure\nInterest Rates and Interest Charges\n\nPremier\n\nRewards\nEarn points for travel and merchandise\nwith each purchase.\n\nAnnual Percentage Rate (APR) for Purchases\n\n1.99% introductory APR for 6 months\n\n1.99% introductory APR for 6 months\n\nfrom date the account is opened. After that,\n\nfrom date the account is opened. After that,\n\nthe rate on any remaining balance will\n\nthe rate on any remaining balance will\n\nreturn to the APR as disclosed at account\n\nreturn to the APR as disclosed at account\n\nopening\n\nopening\n\n(9.90% - 17.90%) based\n\nupon your credit worthiness.\n\n(10.90% - 18.90%) based\n\nupon your credit worthiness.\n\nAPR for Balance Transfers\n\n9.90% - 17.90%\n\n10.90% - 18.90%\n\nAPR for Cash Advances\n\n9.90% - 17.90%\n\n10.90% - 18.90%\n\nPenalty APR and When it Applies\n\n19.99%\nThis APR may be applied to your account if you:\n1) Make a late payment;\n2) Make a payment that is returned; or\n3) Do any of the above on another account that you have with us.\nHow Long Will the Penalty APR Apply?\nIf your APRs are increased for any of these reasons, the Penalty APR will apply until you make six\nconsecutive minimum payments when due.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nNone\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\n$20.00\n\n\xe2\x80\xa2 Over-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\n$20.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nThe above information is accurate as of June 1, 2014.\n\nwww.foxcu.org\n\n\x0c'


b'ALLIANCE CATHOLIC CREDIT UNION\nCard Services: P.O. Box 4519, Carol Stream, IL 60197-4519\n\n1.800.828.3901\n\n\xef\x81\xae VISA Credit Card and Truth-in-Lending Disclosure. By signing an application for the VISA Card or by using the VISA card,\nyou agree to everything in this Agreement and Disclosure.\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all\npersons who have applied for the Card or Cards by signing this Agreement. Every person\naccepting the use of a VISA Card(s) represents that he or she is a member of this credit\nunion. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card or Cards and any duplicates and renewals\nthereof or substitutions thereof we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card\nline of credit loan account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cours\xe2\x80\x9d means or refers to this credit\nunion. This Agreement is a Truth-in-Lending Disclosure Statement as well as a contract.\n1. Responsibility \xe2\x80\x93 If we approve the loan and issue you a Card, you promise to repay all\ndebts and the FINANCE CHARGE thereon arising from any authorized use of the Card.\nYou agree not to let someone else use the Card. If you do, you are agreeing with us that you\nauthorize all such use of the Card. For example, you are responsible for charges made by\nyourself, your spouse and minor children. You are also responsible for charges made by\nanyone else to whom you give the Card, and this responsibility continues until the Card is\nrecovered. Of course, once you notify us, we will take prompt steps to try to prevent any\nfurther Card use by that person. If this account is joint; that is, each of you, separately and\njointly with each other, are liable for all debts on the Account and FINANCE CHARGE\nthereon. Your obligation to pay all such debts and FINANCE CHARGE thereon continue\neven though an agreement, divorce decree or other court judgment to which we are not a\nparty, may direct that only one of you, or some person other than you (or both of you) may\npay such debts and FINANCE CHARGE.\nAny one of you may close this account at any time but no such action shall relieve you of\nany liability for amounts then owing or for Finance Charges and other fees and charges that\nmay accrue due to amounts then owing.\n2. Credit Line \xe2\x80\x93 If we approve your loan application, we will establish a self replenishing\nline of credit for you and will notify you of the amount thereof (\xe2\x80\x9ccredit limit\xe2\x80\x9d) in the mailer\nin which we will send you with your Card. That mailer is hereby incorporated herein as\npart of this Agreement. You agree not to let your account balance exceed such amount. In\nthe event that you do exceed your credit limit, you will be in default and you must pay the\nexcess or you will be in default. Each payment you make on the Account will replenish your\ncredit limit by the part of that payment which is applied to principal. You may request an\nincrease in the credit limit only by a written application, which must be approved by us.\nWe may reduce your credit limit from time to time or may, with good cause, revoke your\nCard and terminate this Agreement; in either event, we will give you written notice of such\naction. \xe2\x80\x9cGood cause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement or our\nadverse reevaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless, termination\nby you or by us does not affect your obligation to pay all debts and FINANCE CHARGE\nthereon arising from authorized use of your Card. The Cards remain our property and you\nmust recover and surrender to us all cards upon your request or upon termination of this\nAgreement.\n3. Using the Card \xe2\x80\x93 We will send you a Card or Cards embossed as you have directed.\nAs soon as received, each Card must be signed (in the space provided on the back) by\nthe person whose name is embossed thereon. That signature must be in the same form\nas embossed on the front of the Card. To make a Purchase or Cash Advance, present\nthe Card to a participating VISA plan merchant or financial institution, or to us, and\nsign the sales draft or cash advance draft which will be imprinted with your Card or\ngenerated after your Card\xe2\x80\x99s number has been magnetically read or otherwise provided.\nPlease note that we are not responsible if a particular VISA plan merchant or financial institution refuses to honor your Card. You will receive a copy of the draft which\nyou should retain to verify your monthly statement. We will, upon request, furnish you\nwith a copy of a draft at a charge of $5.00 per copy. You agree not to make or permit\nto be made any illegal transactions on your Account through use of a Card, a check or\nin any other manner. We may deny authorization for any Internet gambling transaction.\n4. Monthly Payment \xe2\x80\x93 A statement will be mailed every month showing your \xe2\x80\x9cPrevious\nBalance\xe2\x80\x9d of \xe2\x80\x9cPurchases\xe2\x80\x9d and Cash Advances,\xe2\x80\x9d the transactions posted to your Account\nsince the last statement, the \xe2\x80\x9cNew Balance\xe2\x80\x9d of \xe2\x80\x9cPurchases and \xe2\x80\x9cCash Advances\xe2\x80\x9d the\nFINANCE CHARGE due to the date of the statement, the \xe2\x80\x9cMinimum Payment\xe2\x80\x99\nrequired, and the remaining part of the credit limit still available. You must pay at least the\nMinimum Payment shown on your statement on or before the due date shown on your\nstatement; the due date will be no earlier than 28 days after the closing date of the statement. Of course, you may pay any amount greater than the Minimum Payment, including\nthe entire New Balance on the statement, without any penalty for prepayment. And you\ncan make payments on the Account as often as you wish. For the VISA credit card, the\nMinimum Payment will be either (a) 2.0% of your New Balance or $25.00, whichever is\ngreater, or (b) your full New Balances, if they total less than $25.00; provided, however, the\nMinimum Payment shown on your statement will also include any unpaid portions of\nMinimum Payment(s) shown on earlier statement(s). In addition, if at any time your total\nNew Balances exceed the credit limit, you must pay us that excess immediately. We may\nselect and change the method by which payments and credits are allocated to your account\nat our sole discretion; however, payments will be allocated to billed amounts before they are\n\nallocated to unbilled amounts (transactions incurred since your last statement) and\npayments\namounts\nin\nexcess\nof\nthe\nrequired\nminimum\nmonthly\npayment will be applied to higher rate balances before they are applied to\nlower rate balances. Payment for more than the minimum amount due will be\naccepted as a single payment for the month; the amount over the minimum is not applied\ntoward future payments due.\n5. Finance Charge \xe2\x80\x93 A Finance Charge will be imposed on Credit Purchases only if\nyou elect not to pay the entire New Balance shown on your monthly statement for the\nprevious billing cycle on or before the payment due date shown on your statement. If\nyou elect not to pay the entire New Balance shown on your previous monthly statement\non or before the payment due date shown on that statement, a Finance Charge will be\nimposed on the unpaid average daily balance of such Credit Purchases from the\nprevious statement closing date and on new Credit Purchases from the date of posting\nto your account during the current billing cycle, and will continue to accrue until the\nclosing date of the billing cycle preceding the date on which the entire New Balance is\npaid in full or until the date of payment if payment occurs after the payment due date\nshown on the billing statement for that billing cycle. However, if during the previous billing cycle you paid all amounts owing in full by the Payment Due Date, then in\nthe current billing cycle you will have a free interest period on the amount of the New\nBalance of Purchases remaining from the previous billing cycle that is paid by the\nPayment Due Date based on our payment allocation method.\nThe Finance charge for a billing cycle is computed by applying the monthly Periodic\nRate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the\ncycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle\n(excluding amounts described in the last sentence of the preceding paragraph) any new\nCredit Purchases posted to your account, and subtracting any payments as received and\ncredits as posted to your account, but excluding any unpaid Finance Charges.\nA Finance Charge will be imposed on Cash Advances from the date of the cash\nadvance or from the first day of the billing cycle in which the Cash Advance is posted to\nyour account, whichever is later, and will continue to accrue until the date of payment.\nThe average daily balance is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the cycle. Each daily balance is\ndetermined by adding to the Previous Balance for cash advances (the outstanding cash\nadvance balance on your account at the beginning of the billing cycle), any new cash\nadvances received and subtracting any payments as received or credits as posted to your\naccount, but excluding any unpaid finance charges.\nFINANCE CHARGE (INTEREST) for your Account is calculated at the Periodic Rate\nand corresponding Annual Percentage Rate disclosed to you in a separate letter mailed to\nyou with this Agreement.\nPayments\nPayments made to your account will be applied in the following order: Fees and\nFinance Charges; Previously Billed Purchases; Cash Advances; New Purchases. Any\ncommunications concerning a disputed balance, including an instrument tendered as\nfull satisfaction of amounts owing under this agreement, must be mailed to the following\naddress: Alliance Catholic Credit Union, ATTENTION: DISPUTED CREDIT CARD\nPAYOFF DEPARTMENT, 9300 Cooper St, Taylor, MI 48180.\n6. Credit \xe2\x80\x93 If merchants who honor your card give you a credit for returns or adjustments,\nthey will do so by processing a credit which we will post to your Account. You should keep\nyour copy of the credit slips to verify your monthly statement. If your credits and payments\nexceed what you owe us on Account, we will credit such excess to the Account, and if the\namount is $1.00 or more, we will refund it after 6 months or upon your written request.\n7. Foreign Transactions \xe2\x80\x93 Purchases and cash advances made in foreign countries and\nforeign currencies will be billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or the government\nmandated rate in effect for the applicable central processing date, In addition, as provided in\nSection 19, we will separately bill you an up to 1% International Transaction Fee, up to 1%\nof the total transaction amount.\n8. Loss or Theft of Card \xe2\x80\x93 You agree to notify us immediately upon discovering that\nyour Card has been lost or stolen. If you have your card stolen or it gets lost after\nnormal credit union office hours, immediately call 1-800-828-3901 and make a report;\nthen during normal business hours at the credit union, notify us in writing so that your\naccount can be closed and a new card issued.\n\nNOTICE: See reverse side for important information regarding your rights to dispute billing errors.\n\n\x0c9. Default \xe2\x80\x93 You will be in default if you fail to make at least the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d\nshown on a monthly statement by the due date shown on the statement. You will also be\nin default if (a) you breach any other conditions of the Agreement, (b) if we in good faith\ndetermine that your creditworthiness (which includes you ability to repay us) has become\nunsatisfactory due to change in employment, increase in your other obligations, or because\nof any other reasons, or (c) in the event of your death. In the event of any default, at the\ncredit union\xe2\x80\x99s option the entire balance on the Account will be immediately due in payable\nin full. In addition, we may temporarily suspend your ability to obtain further credit until\nthe condition of default is cured. You also agree that, in case of default, you will pay, to the\nextent permitted by law, all usual and customary costs of collection, including court costs\nand reasonable attorneys\xe2\x80\x99 fees to the extent permitted by the court involved. Late payments,\nmissed payments, or other defaults on your account may be reflected on your credit report.\n10. Credit Information \xe2\x80\x93 You authorize us to investigate your credit standing when opening,\nrenewing or reviewing your Account, and you authorize us to disclose information regarding our experience with you under this Agreement to credit bureaus and other creditors.\n11. Effect of Agreement \xe2\x80\x93 This Agreement contains our complete contract relating to the\nAccount and applies to every transaction relating to the Account even though a sales or\ncash advance draft you sign or a credit slip may contain different terms.\n12. Amendment of Agreement \xe2\x80\x93 From time to time, we may amend this Agreement by\ngiving you written notice of the amendment at least 45 days before it goes into effect,\nunless a shorter notice period is permitted by law. The notice will be sent to your last\nknown address appearing in our records when it is sent and will state the date upon which\nthe amendment will become effective. The notice will also advise of the extent, if any, the\namendment will apply to your then existing obligations to us under this Agreement.\n13. Cash Advance by Machine \xe2\x80\x93 If automated teller machine or other electronic devices are\navailable while this Agreement remains in effect which make it possible for you to obtain\na cash advance by use of your Card in such a machine, we may furnish you with a secret\npersonal identification number. Your use of that number, together with your Card, in\ngetting a cash advance from such a machine is agreed to constitute your signature for\npurposes of such cash advance.\n14. Severability Aspects \xe2\x80\x93 It is understood and agreed hereto that if any part, term,\nor provision of this agreement is by the courts held to be illegal or in conflict with the\nlaw of the state where made, the validity of the remaining portions or provisions shall\nnot be affected, and the rights and obligations of the parties shall be construed and\nenforced as if the contract did not contain the particular part, term, or provision held\nto be invalid. Except as federal law applies, Michigan law governs this Agreement.\n15. Record Keeping \xe2\x80\x93 You hereby agree that we may keep the original of your application\nand all documents that bear your signature so that we can comply with federal and/or state\nlaw relating to loan documents we are required to keep in our file.\n\n16. Limits \xe2\x80\x93 Credit limits are established by the loan officer or credit committee. Generally,\nyou must apply for an increase in your credit limit, for which approval will be based on\nyour past payment record and overall credit history. From time to time, we may provide\nan increase in your credit limit based on your good standing. When this happens, we will\nsend you notice of your new limit. If you do not wish to be considered for automatic credit\nlimit increases, you must notify us of that fact in writing.\n17. Security Agreement \xe2\x80\x93 As a condition of us granting you credit under this agreement you hereby grant us a security agreement in all present and future shares and\ndeposits with us, except Individual Retirement Accounts and other accounts which\nprovide tax benefits under federal or state laws, to secure this VISA account. Upon default\n\\under this agreement, you agree that we may apply all of your shares and deposits\nsubject to this security interest to pay amounts due on the account under this\nagreement. You also grant us a security interest in collateral (other than real estate that is your\nprincipal residence) securing other loans with us to secure credit under this agreement.\n18. Statements and Notices \xe2\x80\x93 You will receive a statement each month showing transactions\non your account. Statements and notices will be mailed to you at the most recent address you\nhave given to the credit union. Notice sent to any one of you will be considered notice to all.\n19. Other Charges \xe2\x80\x93 The following other charges (fees) will be added to your Account, as\napplicable:\nA. Late Fee: A late charge of $25.00 will be added to your account (VISA) if\nyou are 10 or more days late in making a payment.\nB. Card Replacement Fee: You will be charged $5.00 for each replacement card that\nis issued to you for any reason other than expiration of a current card.\nC. Document Copy Fee: You will be charged $5.00 for each copy of a sales draft or\nstatement that you request unless such a request is made in connection with a\nbilling error.\nD. International Transaction Fee: Your account may be charged, and you agree to\npay, an up to 1% International Transaction Fee on all transactions where the\nmerchant country differs from the county of the card issues (that is, for any\ntransaction outside of the United States). The converted transaction amount will\nbe shown separately from the international Transaction Fee on your billing\nstatement. This fee will be assessed on all international purchases, credit vouchers,\nand cash disbursements.\n20. Liability for Unauthorized Use \xe2\x80\x93 You may be liable for the unauthorized use of your\ncredit card. You will not be liable for unauthorized use that occurs after you notify us at\nthe address or telephone number set forth below. You must notify us orally or in writing\nof the loss, theft , or possible unauthorized use. In any case, your liability will not\nexceed $50.00. Notify us at: Alliance Catholic Credit Union, P. O. Box 4519, Carol\nStream, IL 60197-4519 1.800.828.3901.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains Important Information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us In Case of Errors or Questions About Your Bill\nIf you think your bill Is wrong, or if you need more information about a transaction\non your bill, write us on a separate sheet at the address listed on your bill. Write to us\nas soon as possible. We must hear from you no later than 60 days after we sent you\nthe first bill on which the error or problem appeared. You can telephone us, but doing\nso will not preserve your rights.\n\nIf we find that we made a mistake on your bill, you will not have to pay any finance\ncharges related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have\nto pay finance charges, and you will have to make up any missed payments on the\nquestioned amount. In either case, we will send you a statement of the amount you\nowe and the date that it is due.\n\n\xe2\x80\xa2 The dollar amount of the suspected error,\n\nIf you fail to 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 to us within ten days\ntelling us that you still refuse to pay, we must tell anyone we report you to that you\nhave a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled\nbetween us when it finally is.\n\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you\nneed more information, describe the item you are not sure about.\n\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the questioned amount,\neven if your bill was correct.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\nIf you have authorized us to pay your credit card bill automatically from your\nsavings or draft account, you can stop the payment on any amount you think is\nwrong. To stop the payment your letter must reach us three business days before the\nautomatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within 30 days, unless we have corrected the error\nby then. Within 90 days, we must either correct the error or explain why we believe\nthe bill was correct.\nAfter we receive your letter we cannot try to collect any amount you question, or\nreport you as delinquent. We can continue to bill you for the amount you question,\nincluding finance charges, and we can apply any unpaid amount against your credit\nlimit. You do not have to pay any questioned amount while we are investigating, but\nyou are still obligated to pay the parts of your bill that are not in question.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that you\npurchased 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 your home\nstate, within 100 miles of your current mailing address; and\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 mailed you\nthe advertisement for the property or services.\n\nRETAIN FOR YOUR RECORDS\nVer. 4.24.14\n\n\x0c'