b'FIRST-CITIZENS BANK & TRUST COMPANY\nCONSUMER CREDIT CARD CARDHOLDER AGREEMENT & DISCLOSURE\nThis Consumer Credit Card Cardholder Agreement & Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers the use of your Account with us. It includes the Pricing Information\nDisclosure on the enclosed letter or the document that accompanies your Card, as well as any subsequent disclosures which we provide to you from time to\ntime, all of which are incorporated here by reference. Please read this Agreement carefully and keep it for your records. It supersedes all prior agreements\nand disclosure statements relating to your Account. You do not have to sign this Agreement. You agree to the terms of this Agreement when you accept,\nsign or use your Card or your Account.\n1. Definitions: In this Agreement the following definitions for the underlined words apply:\n\xe2\x80\xa2 Account means your credit card account established under this Agreement.\n\xe2\x80\xa2 APR means Annual Percentage Rate. Your Interest Charge is based on the APR.\n\xe2\x80\xa2 ATM means automated teller machine.\n\xe2\x80\xa2 Authorized User means an individual to whom you have asked us to issue a Card on your Account.\n\xe2\x80\xa2 Bank, we, us and our refer to First-Citizens Bank & Trust Company.\n\xe2\x80\xa2 Billing Cycle means a period of time that is approximately 30 days in length. Each Billing Cycle ends on the Statement Closing Date provided on your\nBilling Statement.\n\xe2\x80\xa2 Billing Statement (or Statement) means a document we provide to you showing Account information including, among other things, your Credit Limit\nand Available Credit, Account Activity during a Billing Cycle, New Balance, Minimum Payment Due and Payment Due Date.\n\xe2\x80\xa2 Card means either one or more Visa\xc2\xae credit cards or any other access device such as a debit or ATM card, used to access your Account.\n\xe2\x80\xa2 Check means any one or more convenience checks we may send you to access your Account.\n\xe2\x80\xa2 Daily Periodic Rate means the APR divided by the number of days in the year (365 days, or 366 days in the case of a leap year).\n\xe2\x80\xa2 Finance Charge is the cost of credit as a dollar amount. It includes the Interest Charge plus disclosed Transaction Fees.\n\xe2\x80\xa2 Interest Charge is the periodic rate charge based on the applicable APR. It is a component of the Finance Charge and is defined in more detail in Section\n6. Your Total Interest is a summary of the Interest Charges for each balance and associated APR.\n\xe2\x80\xa2 Merchant means a business displaying the Visa sign and accepting your Card for the purchase of goods and services.\n\xe2\x80\xa2 Minimum Payment Due and Payment Due Date mean the amount you must pay, and the date by which you must pay it, to avoid a Late Payment Fee.\nSee Section 11 for details.\n\xe2\x80\xa2 New Balance (or \xe2\x80\x9cBalance\xe2\x80\x9d) means your outstanding balance for the current month as of the Statement Closing Date.\n\xe2\x80\xa2 Penalty Pricing means an increase in your APR due to one or more delinquencies in payment.\n\xe2\x80\xa2 Pricing Information Disclosure means a summary of your Account\xe2\x80\x99s APRs, fees and other important information.\n\xe2\x80\xa2 Transaction Fees are components of your Finance Charge and include Foreign Currency Conversion Fees, Balance Transfer Fees and Cash Advance\nFees.\n\xe2\x80\xa2 You, your and yours means each applicant or co-applicant for the Account, any person responsible for paying the Account, and anyone authorized to\nuse, access or service the Account, including any Authorized User.\n2. Security Agreement (Applicable only to Secured Credit Card): To have a Secured Credit Card Account (\xe2\x80\x9cSecured Card Account\xe2\x80\x9d), we require you to\nalso have a savings account with us (\xe2\x80\x9cSecured Savings Account\xe2\x80\x9d). As collateral security for your obligations under the Secured Card Account, you hereby\ngrant and pledge to the Bank, a lien on and security interest in all your right, title, and interest in your Secured Savings Account (\xe2\x80\x9cSecurity Interest\xe2\x80\x9d). As a\ncondition of opening the Secured Card Account, you must maintain a minimum of $500 in the Secured Savings Account in your name with the Bank. You\nalso grant the Bank an interest in all renewals, additions, proceeds, modifications, substitutions, and replacements of the Secured Savings Account. You\nmay not withdraw any funds from the Secured Savings Account. You acknowledge and agree that the Security Interest in the Secured Savings Account is\nto secure payment of all your existing and future obligations to us under your Agreement. You represent that there are no current lawsuits or bankruptcy\nproceedings that might affect our Security Interest in the Secured Savings Account. No portion of the Security Interest may be used to secure other\nloans. Any attempt to give a Security Interest or transfer any other interest in the Secured Savings Account will be ineffective and void.\nYou may not close the Secured Savings Account until all amounts owed under this Agreement have been fully paid and you no longer have any right to use\nyour Secured Card Account. If you are in default under this Agreement, or your Secured Card Account is closed for any reason, we may, immediately and\nwithout giving you notice, withdraw all or any portion of the funds in the Secured Savings Account and apply it to reduce any amounts owed under this\nAgreement. You will continue to be responsible for making payments as required under this Agreement and for repaying all amounts owed. If the Bank\nchooses not to, or otherwise fails to apply your funds in the Secured Savings Account toward amounts owed on the Secured Card Account or otherwise\nowed under this Agreement, you agree that: (a) the Bank does not waive any right it has to do so at any later time, and to the extent not prohibited by\nlaw, the Bank may apply such funds at any time, in its sole discretion; and (b) you are not excused from performance or payment owed with respect to\nthe Secured Card Account or under the Agreement.\nOnce the Secured Card Account is opened, you will not be able to lower the credit limit. We may increase or decrease your credit limit and no such\naction shall change the fact that the Secured Savings Account and the related Security Interest is held by us as security for your Obligations under the\nAgreement. You may choose to close your Secured Card Account at any time. The funds in the Secured Savings Account may not be available for up\nto 60 business days following the payoff and closure of the Secured Card Account. You are responsible for any amounts due that exceed the funds\nremaining in the Secured Savings Account. Following closure of the Secured Savings Account, any funds remaining in the Secured Savings Account will\nbe returned to you.\nYou acknowledge that the terms and conditions herein are in addition to the terms and conditions set forth in the Disclosure of Products and Fees \xe2\x80\x93\nChecking and Savings and Deposit Account Agreement for your Secured Savings Account. If any provisions in this Agreement related to the Security\nInterest shall conflict with any terms or provisions of any other agreement with the Bank, the provisions of this Agreement, as it relates to Security\nInterest, shall govern over any provisions in other agreements.\n3. Credit Limit: We will provide you notice of your credit limit when we send you your Card, and it will also be listed on each Billing Statement we send\nyou. At our discretion, we may change your limit at any time as permitted by law and after providing you with appropriate notice as required. We do not\nautomatically increase your credit limit if you make a payment that results in your Account having a credit balance. You may request a change to your\ncredit limit by contacting the Bank at the toll free number listed on the back of your Card and on your Statement. We do not have to pay any Check or\nhonor any cash advance or purchase with your Card that puts your Account balance over your credit limit. You agree not to exceed your credit limit, but\nif you do, and we pay or accept any Checks, advances or purchases that put your unpaid Account balance over your credit limit, you promise to pay these\namounts without our notice or demand.\nPage 1 of 8\n\n(3/20)\n\n\x0c4. Additional Cards and Checks: You may request additional Cards on your Account for yourself or for one or more Authorized Users by contacting the\nBank at the toll free number listed on the back of your Card and on your Statement. You are responsible for your Authorized User\xe2\x80\x99s use of the Card. If you\nwant to remove an Authorized User from the Account you must contact us at the number provided on your Statement and destroy all Cards in his or her\npossession. Authorized Users may remove themselves from the Account upon request. From time to time, we may provide you with Checks to access\nyour Account that you can use like any other personal checks except they cannot be used to make payments to us under this Account or, without our\nwritten consent, to pay any other amount you owe us. Purchases made via Checks are treated as cash advances for the purpose of calculating Interest\nCharges, unless we inform you otherwise.\n5. Card Use: You or an Authorized User on your Account must sign your Card in order to use it. You may use your Card to buy goods and services from\nMerchants or, except for the Secured Credit Card, to borrow cash from us (Cash Advance) at one of our branches or at other banks where the Card\nis honored up to the credit limit we establish for you. You must follow any and all reasonable and proper procedures required by us or the other bank\nor Merchant honoring the Card.\n6. Transaction Limitations/Suspensions: There is no minimum dollar amount for Card purchases; however, there is a $50 minimum on cash advances\nand $100 minimum on balance transfers. At our discretion, we may limit the number of transactions that may be approved in any one day. We reserve\nthe right to deny certain transactions for any reason, including, default, suspected fraudulent or unlawful activity, or any increased risk related to the\ntransaction. We are not responsible if a transaction on your Account is not approved, either by us or by a third party, even if you have sufficient credit\navailable. We may, in our discretion, approve transactions that cause your balance to exceed your credit limit without waiving any of our rights under\nthis Agreement.\n7. Finance Charges: The total Finance Charge imposed on your Account each Billing Cycle is the sum of the Interest Charges plus all Transaction Fees\nimposed during that Billing Cycle.\na. Interest Charges\n\xe2\x80\xa2 Interest Charges on Purchases and Balance Transfers: We will impose no Interest Charge to your Account for your purchases and balance\ntransfers if we credit you for payment of the entire New Balance shown on your Statement by the Payment Due Date. If your payment is not\ncredited to your Account by the Payment Due Date (see Section 11), or you do not pay your New Balance in full, we will impose an Interest Charge\non the average daily balance outstanding on your Account for the number of days in your Billing Cycle.\n\xe2\x80\xa2 Interest Charges on Cash Advances: We will impose an Interest Charge for your cash advances (whether they are obtained by Check or Card)\nfrom the date the cash advance posts.\n\xe2\x80\xa2 Calculation of Average Daily Balance(s): We use the average daily balance method (including current transactions) for calculating your average\ndaily balance(s). We will determine an average daily balance for each of your (1) purchase balances (including balance transfers) and (2) cash\nadvance balances. To get the daily balance for your purchase (including balance transfers) and cash advance amounts, we take the beginning\nbalance of your Account each day, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new charges and\nfees, subtract any applicable portions of payments and credits, and add applicable unpaid Interest Charges from the application of the daily\nperiodic rate to each day\xe2\x80\x99s ending balance.\n\xe2\x80\xa2 Calculation of Your Interest Charge: Your Interest Charge for the period is based on the applicable APR associated with each balance. We\ndisclose the currently effective APR in our Pricing Information Disclosure. Portions of your Balance, however, may be subject to prior APRs.We\ncalculate Interest Charges separately for your purchase (including balance transfer) and cash advance balances under each applicable APR. We\nlist each balance and the applicable interest rate in the Interest Charge Calculation section of your Statement. We compute each Interest Charge by:\n(1) calculating the daily periodic rate,\n(2) multiplying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that balance),\n(3) multiplying each of the products in (2) by the number of days in the Billing Cycle, and\n(4) adding together all the products obtained in (3) to obtain your Total Interest for the period.\n\xe2\x80\xa2 Minimum Interest Charge: The minimum Interest Charge, if any, imposed on your Account will be at least $1.00. The Pricing Information\nDisclosure discloses the actual minimum Interest Charge applicable to your Account\nb. Transaction Fees: You will pay additional Finance Charges, called \xe2\x80\x9cTransaction Fees,\xe2\x80\x9d if incurred. A description of these fees is included below;\nhowever, the actual fee for these transactions is listed in our Pricing Information Disclosure. In the first Billing Cycle in which a Transaction Fee is\nposted, the Transaction Fee may cause the APR shown on your Statement for that Billing Cycle to exceed the nominal APR.\n\xe2\x80\xa2 Foreign Transaction (Foreign Currency Conversion) Fee. Visa International will convert any charges you incur in currency other than U.S. dollars\ninto a U.S. dollar amount under the currency conversion procedures set forth in their respective Operating Regulations in effect at the time the\ntransaction is processed. The non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in\nthe non-U.S. dollar currency by a currency conversion or exchange rate. The currency conversion rate is either (1) a government-mandated rate\nin effect for the applicable processing date; or, (2) a rate selected by Visa from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives. The currency conversion rate is determined as of the date\nthe transaction is processed and may differ from the rate in effect on the date the transaction occurred or posted to your account. Visa charges us,\nas the processing bank, a percentage of the transaction amount. The fee we charge you for foreign currency conversions is contained in our Pricing\nInformation Disclosure at the end of this Agreement.\n\xe2\x80\xa2 Cash Advance Fee. We charge you a fee for cash advances you make. For purposes of the imposition of Cash Advance Fees, the term \xe2\x80\x9ccash\nadvance\xe2\x80\x9d means a cash advance loan made to you or on your behalf through the use of a Card, but does not include purchases, the use of Checks,\nor balance transfers to your Account from credit card accounts you maintained at other financial institutions. See the Pricing Information Disclosure\nfor the amount of the fee.\n\xe2\x80\xa2 Balance Transfer Fee. We charge you a fee for balance transfers you make. For purposes of the imposition of Balance Transfer Fees, the term\n\xe2\x80\x9cbalance transfer\xe2\x80\x9d means a transfer of outstanding balances from other credit cards to your Account. See the Pricing Information Disclosure for the\namount of the fee.\nc. Compounding of Finance Charges and Unpaid Finance Charges: Finance Charges compound daily. We will consolidate unpaid Finance Charges and\nother unpaid charges into your Account balance daily. In this way, unpaid Finance Charges and other unpaid charges from the previous day will be\nsubject to and included in the calculation of the new Finance Charge.\n8. Rates: Your APR and Daily Periodic Rate are based on the latest prime rate as published in the Money Rates table of The Wall Street Journal on the\nlast business day of the month (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d). Your APR and Daily Periodic Rate are subject to increase (or decrease) monthly if the Prime Rate\nincreases or decreases. Your APR will be equal to the Prime Rate as published on the last business day of the preceding calendar month, plus an\napplicable margin for purchases, balance transfers and cash advances as shown on the Pricing Information Disclosure. The APR will never increase\nabove the maximum rate allowed by applicable law. An increase in the Prime Rate, which causes the APR to increase, will result in an increase in the\namount of the Finance Charge. This may cause an increase in the Minimum Payment Due or cause a smaller amount of your payment of the Minimum\nPayment Due to be applied to principal.\nPage 2 of 8\n\n\x0c9. Fees: Annual Fees, if any, Transaction Fees (e.g., Balance Transfer Fees, Cash Advance Fees, Foreign Currency Conversion Fees), and Penalty Fees (e.g.,\nany Late Payment Fee, Over-the-Credit-Limit Fee, or Returned Payment Fee) are disclosed in our Pricing Information Disclosure. You also agree to pay\nthe following one-time fees if incurred:\na. Expedited Card Fee (for requests of expedited delivery of Cards): $35\nb. Document Fee (for duplicate copies of Statements and copies of charge slips or other documents not requested in connection with a billing error):\n$10 per Statement or item\nc. Expedited Delivery of Payment Fees (for rush payments):\n\xe2\x80\xa2 The fee to make payments through Western Union\xc2\xae Speedpay\xc2\xae Bill Payment Service (or similar service provider), will be disclosed to you at the\ntime you initiate payment through a Bank Customer Contact Representative.\n\xe2\x80\xa2 The fee to make payment transfers from one of your Bank checking or saving accounts with the assistance of a Bank Customer Contact Center\nrepresentative: $3.50\n10. Changes to Rates, Fees and Terms: We may add, delete or change any term of this Agreement at any time unless the law prohibits us from doing so.\nWe can increase your Interest Charge for new transactions and your Fees one year after your Account has been opened. We will send advance notice\nof any changes to you at the address you have given us as required by law.\na. If we increase your fees, we will inform you of your options in advance, including any right you may have to opt out of some of these changes. If you\ndo opt out, we will close your line of credit to new purchases and cash advances, and we will not permit you to transfer balances to your Account\nfrom another credit card account. However, if you have failed to make the required Minimum Payment Due within 60 days after the Payment Due\nDate for that payment, you agree that any new or changed fee(s) shall apply both to existing balances and new transactions.\nb. Your variable APR can go up or down monthly as the index for the rate goes up or down. If we increase your Interest Charge for any other reason,\nwe will notify you in writing; however, we will not apply any such increase to the existing balance in your Account.\nc. If the Bank has temporarily reduced your APR in connection with a hardship arrangement, we will notify you in writing when the arrangement ends\nand the temporary APR reverts to your prior APR. The prior APR will then apply to your outstanding balance as well as to any new transactions.\nd. If you are a service member on special APR, we will notify you in writing, in accordance with federal regulations, when your APR reverts to your\nprior APR. The prior APR will apply to your outstanding balance as well as to any new transactions.\n11. Billing Statement and Notification of Billing Error: We will send you a periodic Billing Statement every month. It is your responsibility to review the\nStatement and notify us promptly of any charge or item you believe to be in error or subject to dispute. If you do not notify us of any disputed items\nwithin sixty (60) days after the date we send you the Statement on which the error first appears, the item(s) will be conclusively deemed as correct to\nthe extent permitted by law. You will not receive any cancelled Checks with your Statements; however, you may obtain a photocopy of an electronic\nimage of any Check we have in our records that you request. You may be required to pay a Document Fee for such copies. (See Section 8 for fee).\n12. Payments and Late Payment Fee: You can pay off your Account balance in full each month or you can pay in monthly installments.\na. Crediting Your Payment: Payments must be made to us in U.S. dollars. Unless the payment is made electronically, it must be in the form of a\npersonal check, money order, or cashier\xe2\x80\x99s check and capable of being processed through the Federal Reserve System. Payments must be drawn on\na U.S. financial institution. We do not accept cash payments through the mail. We will credit your payment to your Account on the date we \xe2\x80\x9creceive\nit\xe2\x80\x9d as follows:\n\xe2\x80\xa2 If you make your payment in person at one of our branches on a Bank business day (any day except Saturday, Sunday or a bank holiday), we will\ncredit your payment on that day if we receive your payment prior to branch closing and you provide your payment coupon with your payment.\nOtherwise, crediting of your payment will be delayed.\n\xe2\x80\xa2 If you make your payment by mail, we must receive it at the specific address we publish on your Billing Statement. Your payment coupon must\nbe included with the payment. Otherwise, our receipt and crediting of your payment will be delayed.\n\xe2\x80\xa2 If you make your payment at one of our ATMs on a Bank business day, we will credit your payment on that day if you make the payment prior to\nthe ATM cutoff time for that ATM and you include your payment coupon.\n\xe2\x80\xa2 If you make your payment via an electronic transfer (ACH transfer, bill pay, transfer from another account, etc.), we will credit your payment on\nthe day that it posts to your Account.\n\xe2\x80\xa2 If our crediting of your payment is delayed because your payment is mailed to the wrong address, does not meet our branch or ATM cutoff time,\nor does not include your payment coupon (when applicable), we will generally credit your payment to your Account the next Bank business day,\nbut no later than 5 days after we receive it.\n\xe2\x80\xa2 We may delay posting all or a portion of your payment until it is honored by the paying bank.\nb. Minimum Payment Due: Your Minimum Payment Due is listed on your Statement and equals the lesser of:\n\xe2\x80\xa2 the amount of your New Balance, or\n\xe2\x80\xa2 the greater of:\n\xe2\x80\xa2 $30, or\n\xe2\x80\xa2 3% of the amount you owe, or\n\xe2\x80\xa2 the sum of Finance Charges accrued since the last Billing Cycle (including Interest Charges and Transaction Fees), plus any Penalty Fees,\nAnnual Fees (if applicable), and one-time fees that have been posted to your Account, plus 1% of the amount you owe.\nMaking only the Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance.\nc. Late Payment Fee: If payment of the Minimum Payment Due amount on your Account is not credited to your Account by Payment Due Date, we\nwill charge you a Late Payment Fee unless your Minimum Payment Due is less than $30, in which case we will not assess a late Payment Fee. (See\nour Pricing Information Disclosure for a description of the fee).\nd. Returned Payment Fee: We will charge you a Returned Payment Fee any time any payment you make to us is not paid by your financial institution\nfor any reason even if that institution later pays it. (See our Pricing Information Disclosure for a description of the fee).\ne. Prepaid Status: If you pay more than the Minimum Payment Due during any particular Billing Cycle, you still must pay the Minimum Payment Due\nin subsequent Billing Cycles unless we notify you that you are in \xe2\x80\x9cprepaid status.\xe2\x80\x9d Your Account can achieve \xe2\x80\x9cprepaid status\xe2\x80\x9d if you pay at least\ntwice the amount of the Minimum Payment Due but less than the New Balance, whichever is less. Your Account can be in prepaid status without a\npayment being required for a maximum of three consecutive months. If your Account is in prepaid status and you continue to make payments, the\nprepaid status will remain in effect until the prepaid amount is equal to or less than the Minimum Payment Due. Your Account cannot be in prepaid\nstatus if your Account is in an adverse condition (delinquent, over-the-credit-limit, etc.) or if the entire Balance is due. If you pay the New Balance\nin full or make a payment that is greater than the balance, your Account cannot be in a prepaid status and any existing prepaid status that may exist\nis cancelled.\nf. Application of Payments: We apply your Minimum Payment Due amount to your lower APR balances before higher ones. We apply any portion of\nyour payment in excess of your Minimum Payment Due to higher APR balances before lower ones.\nPage 3 of 8\n\n\x0cg. Skip Payments: We may allow you to skip a payment during certain Billing Cycles (a \xe2\x80\x9cpayment holiday\xe2\x80\x9d). If you accept a payment holiday, we will\ncontinue to apply Interest Charges but will not impose a Late Payment Fee. All credit terms and provisions contained in this Agreement (including\nMinimum Payment Due and any applicable Late Payment Fee) will apply for the Billing Cycle following a payment holiday.\n13. Credit Obtained by Checks: To obtain credit by using Checks, you must use the Checks we provide to you that are imprinted with your name and Account\nnumber. You are liable and responsible for all Checks written against your Account if they are signed by anyone whom you authorized to do so. We are not\nliable or responsible for paying postdated Checks. We are also not liable or responsible if, due to our paying a postdated Check or other Check you have asked\nus not to pay, other Checks are dishonored or returned unpaid. We are not liable or responsible for dishonoring and returning a Check unpaid if (1) payment\nof the Check would cause you to exceed your available line of credit, (2) because you are then in default under, or in breach of the terms of this Agreement, or\n(3) because your privileges under this Agreement have been revoked. If, however, we pay any Check in our discretion that we could have properly dishonored\nor returned unpaid for any reason (including the above reasons), then you, nevertheless, agree to pay the amount of the Check. Payment of a Check shall not\nconstitute our waiver of amounts due and unpaid at that time.\n14. Ownership of Checks and Cards: Cards are issued by, and are the property of, First-Citizens Bank & Trust Company. Cards and related Checks remain\nour property at all times and may be repossessed by us at any time. We may refuse to issue or reissue you a Card or Checks, revoke your Card or limit\nCard use, and/or revoke your privileges relating to the use of Checks, without your knowledge and without notice to you. If we revoke your Card or\nwithdraw your privilege to use any Checks, and you become aware of such revocation/withdrawal, you must surrender to us or our agent the Card,\nthe Checks, and any other cards or devices that may be used to access the Account. You must not use any expired, revoked or otherwise invalid Card\nor Checks to obtain, or attempt to obtain, credit. You must not use the Card, Checks and/or the Account for any illegal transactions.\n15. Responsibility for Charges to Your Account: We may charge your Account for any transaction authorized either by you or by any Authorized User.\nValid authorization for a transaction may be given (1) in writing (e.g., by signing a sales slip or cash advance slip), (2) verbally (e.g., by telephone), or\n(3) electronically (e.g., over the Internet). If you or any Authorized User gives your Account number to any third party who uses that information to\ninitiate a charge against your Account, we will consider the transaction authorized by you.\n16. Refusal to Honor Card or Checks; Adjustments: We are not responsible if a Merchant refuses to honor your Card or Checks. If your Account requires\nan adjustment for goods or services purchased (a return), we will make the adjustment only to your Account and only upon our receipt of a properly\nexecuted credit slip. You agree not to accept any cash refunds with respect to any adjustments for goods or services purchased.\n17. Default:\na. Each of the following constitutes an event of default:\n\xe2\x80\xa2 Your failure to make any payment when due and payable.\n\xe2\x80\xa2 Any payment is dishonored\n\xe2\x80\xa2 Your failure to comply with any provision of this Agreement or any other agreement relating to other cards or devices that access your Account.\n\xe2\x80\xa2 You made an untrue statement on your application.\n\xe2\x80\xa2 Your death or insolvency, or your making an assignment for the benefit of creditors.\n\xe2\x80\xa2 The filing of a petition or commencement of any other proceeding under any bankruptcy, insolvency or receivership law by or against you.\n\xe2\x80\xa2 Issuance of any writ, order or notice of attachment, levy or garnishment against you or any of your property, assets or income.\n\xe2\x80\xa2 The occurrence of an event that gives us reason to believe that your ability to pay us on time has been impaired, or that you may use your Card or Checks\nimproperly.\nb. Our rights in the event of default: We may, at our option and after giving you all legally required notices and rights to cure, declare all amounts\nyou owe us immediately due and payable with interest at the rate provided in this Agreement, refuse to authorize further transactions, close your\nAccount, cancel all Cards, and revoke any privileges associated with such Cards. If this occurs, you agree to pay us, to the extent permitted by\napplicable law, all costs of collection, including, without limitation, reasonable attorneys\xe2\x80\x99 fees and expenses. Any such attorneys\xe2\x80\x99 fees will be added\nto the unpaid Balance on your Account and interest will be charged on this amount at the rate provided in this Agreement. We also have the right\nto cancel this Agreement and take immediate possession of all Cards and Checks. If we close or permanently suspend your Account, you must\ndestroy all Cards..\n18. Investigating Your Credit; Reporting Your Credit History: You authorize us, at any time we feel appropriate, to obtain or conduct whatever credit\ninvestigation we feel is needed to evaluate your credit, personal or financial standing, and/or employment. Upon our request, you agree to provide us\nwith your current financial information. You also authorize us to report information about your Account to consumer (credit) reporting agencies, and\nshare your credit experience, including information on late payments, missed payments, or other defaults on your Account, with consumer reporting\nagencies, creditors and any others. This information may be reflected in your credit report.\n19. Contacting You: To the extent permitted by applicable law, you expressly authorize us, our affiliates, our agents, and any independent contractors we\nhire to contact you in person or by using an automated device or prerecorded messaging system or any other way at any telephone number or other\nelectronic device or devices we or our affiliates or agents believe will or may connect us/them with you including, but not limited to (1) cell phone\nnumbers you have given to us or we may acquire by any other means, (2) text messaging, (3) email, or (4) facsimile.\n20. Joint and Several Liability: Each applicant who signs the Account application shall be jointly and severally liable for all loans, purchases, advances\nand balance transfers made on the Account whether by Card, Check or otherwise.\n21. Lost/Stolen Cards or Checks: When you discover that any Card or Check is lost, stolen or used in an unauthorized manner, you agree to notify us\nimmediately upon such discovery:\n\xe2\x80\xa2 in writing: at Bankcard Center, P.O. Box 1580, Roanoke, VA 24007-1580; or\n\xe2\x80\xa2 by telephone: at 1.800.543.9000.\nYou agree to cooperate with us completely in our attempts to recover from unauthorized Card or Check users and to assist in the prosecution of such\npersons. You will not be liable for any unauthorized use that occurs if you notify us promptly, either orally or in writing, of the loss, theft or possible\nunauthorized use. In any case, your liability will not exceed $50.00. Furthermore, your liability will not exceed $0 if you report the Card lost or stolen\nfor all transactions made over the Visa network.\n22. Cancellation: You may cancel this Agreement at any time by notifying us in writing and returning to us any and all Cards and/or Checks we have\nprovided to you. We may also cancel this Agreement at any time without notice except when prohibited by law. In either case, you must continue to\npay all amounts you owe on your Account in accordance with the terms contained in this Agreement.\n23. Notices and Statements: Any notice or Statements we mail to the address we have for you as shown in our records for this Account shall be\nconsidered to have been given and received by you.\nPage 4 of 8\n\n\x0c24. Governing Law: This Agreement and your Account is governed by federal law and, to the extent permitted, by the laws of the State of North Carolina\n(even if you are not a resident of North Carolina) in all respects, whether in contract or in tort, including matters of construction, validity and\nperformance and matters relating to terms, rates, fees and charges, but without giving effect to those principles of conflict of laws that might\notherwise require the application of the laws of another jurisdiction. You agree that, to the extent allowed by law, we may change the designation of\nthe state whose law governs this Agreement. You acknowledge that your Account was approved in the State of North Carolina.\n25. Billing Rights:\nFEDERAL CONSUMER PROTECTION ACT DISCLOSURE\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the cardholder;\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean First-Citizens Bank & Trust Company.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us as soon as possible on a separate sheet of paper at the address shown on the\nfirst page of your Statement following the words \xe2\x80\x9cSend Inquiries and Correspondence to:\xe2\x80\x9d In 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; and\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nIf you want us to stop payment on the amount you think is wrong, you must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement, and\n\xe2\x80\xa2 At least three (3) business days before an automated payment is scheduled.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 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 delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue 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 for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment 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 write to us within ten (10) days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this\nright, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50.00. (Note: neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services).\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address shown on the first\npage of your Statement following the words \xe2\x80\x9cSend Inquiries and Correspondence to:\xe2\x80\x9d. While we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n26. Department of Defense Consumer Credit Disclosure: Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncost associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; and application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation\nfees for a credit card account). Please call (844) 757-3559 to have this Disclosure provided to you orally.\n\nPage 5 of 8\n\n\x0cPricing Information Disclosure\nInterest Rates and Interest Charges\nRewards Visa\nCash Back Rewards Visa\n\nSmart Option Visa\nAnnual Percentage Rate\n(APR) for Purchases\n\n7.99% to 18.99%,\n\n10.99% to 21.99%,\n\nAPR for Balance Transfers\n\n0% introductory APR for the first 12 billing\ncycles following account opening on any\nbalance transferred within the first 90 days\nfollowing account opening.\nAfter that, your APR will be 7.99% to\n18.99%, based on your creditworthiness.\nThis APR will vary with the market based\non the Prime Rate.\n\n0% introductory APR for the first 12 billing\ncycles following account opening on any\nbalance transferred within the first 90 days\nfollowing account opening.\nAfter that, your APR will be 10.99% to\n21.99%, based on your creditworthiness.\nThis APR will vary with the market based\non the Prime Rate.\n\nAPR for Cash Advances\n\n21.99% to 24.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date will be at least 21 days after your billing statement is mailed or delivered to you.\n\xe2\x80\xa2 We will not charge you any interest on purchases and balance transfers if you pay your entire\nbalance by the due date each month.\n\xe2\x80\xa2 We will begin charging interest on cash advances on the transaction date.\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\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nbased on your creditworthiness\nAPR will vary with the market based on\nthe Prime Rate.\n\nbased on your creditworthiness\nAPR will vary with the market based on\nthe Prime Rate.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 Either $5 or 3% of the amount of each transfer, whichever is greater.\n\xe2\x80\xa2 Either $5 or 3% of the amount of each cash advance, whichever is greater.\n\xe2\x80\xa2 2% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Return Payment\n\n\xe2\x80\xa2 $25 for any payment 10 days or more past due.\n\xe2\x80\xa2 $0\n\xe2\x80\xa2 $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance method (including current transactions).\xe2\x80\x9d See\nthe Consumer Credit Card Cardholder Agreement & Disclosure for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer Credit\nCard Cardholder Agreement & Disclosure.\nHow We Will Calculate Your Variable APRs:\n\xe2\x80\xa2 Unless an introductory APR is in effect, we add a margin to the Prime Rate.\n- For the Smart Option Visa, we add a margin of between 4.74% and 15.74% to the Prime Rate to determine the APR for Purchases\nand Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.\n- For any Rewards Visa, we add a margin of between 7.74% and 18.74% to the Prime Rate to determine the APR for Purchases\nand Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.\n\xe2\x80\xa2 Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 3.25% as of\nMarch 31, 2020. See the Consumer Credit Card Cardholder Agreement & Disclosure for more details.\nLoss of Introductory APR: If an introductory APR is applicable to Balance Transfers, we may end your introductory APR and apply the\npost-introductory Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.\nThis information was printed in March 2020 and was accurate as of that date and is subject to change after that date. You should\ncontact us to find out what may have changed by calling toll-free at 1.800.763.0356.\nPage 6 of 8\n\n\x0cPricing Information Disclosure\nInterest Rates and Interest Charges\nSecured Credit Card\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balance Transfers\n\nPaying Interest\n\n21.99%,\nThis APR will vary with the market based on the Prime Rate.\n\n21.99%,\nThis APR will vary with the market based on the Prime Rate.\n\xe2\x80\xa2 Your due date will be at least 21 days after your billing statement is mailed or\ndelivered to you.\n\xe2\x80\xa2 We will not charge you any interest on purchases if you pay your entire\nbalance 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 http://www.\nconsumerfinance.gov/learnmore.\n\nFees\n\nDetails\n\nAnnual Fee\n\n$29*\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 Either $5 or 3% of the amount of each transfer, whichever is greater.\n\xe2\x80\xa2 3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Return Payment\n\n\xe2\x80\xa2 Up to $39**\n\xe2\x80\xa2 $0 for over-the-credit limit.\n\xe2\x80\xa2 $25 for return payments.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance method (including current transactions).\xe2\x80\x9d See the Consumer\nCredit Card Cardholder Agreement & Disclosure for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer Credit Card Cardholder\nAgreement & Disclosure.\nHow We Will Calculate Your Variable APRs:\n\xe2\x80\xa2 Unless an introductory APR is in effect, we add a margin of 18.74% to the Prime Rate to determine the APR for Purchases and Balance Transfers.\n\xe2\x80\xa2 Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 3.25% as of March 31, 2020.\nSee the Consumer Credit Card Cardholder Agreement & Disclosure for more details.\n* The $29 initial Annual Fee will be charged to your Secured Credit Card Account during the first billing cycle and every 12 months thereafter.\n** If your Total Minimum Payment Due is not credited to your Account by your Payment Due Date, a Late Payment Fee of up to $28.00 will be\nassessed. Any additional late payments during the next six billing cycles will result in a late fee of up to $39.00. You will not be assessed a late fee\nif your Total Minimum Payment Due is less than $30.00. No late fee will be more than your Total Minimum Payment Due.\n\nA First Citizens Secured Savings Account is required to obtain the Secured Credit Card Account.  At least 100% of the\ncredit line amount must remain on deposit in the Secured Savings Account.  The deposit requirement ranges from a\nminimum of $500 to a maximum of $5,000 based upon the credit line amount.\nPage 7 of 8\n\n\x0cIf this Secured Credit Card is approved, you must open a new Secured Savings Account to secure your obligations under the Secured Credit\nCard. First Citizens Bank will place an immediate hold on the funds in the Secured Savings Account, which will restrict withdrawals from the\nSecured Savings Account. Once the Secured Savings Account hold takes effect, the funds in the Secured Savings Account will not be available\nfor withdrawal. If the application for the Credit Card Account is not approved, Bank will notify the applicant(s) of this decision.\nPeriodically, the Bank will review Secured Credit Card Accounts to determine whether they qualify for a collateral release and conversion to\nan unsecured credit card. Not all accounts will qualify for a collateral release and conversion to an unsecured credit card. Eligibility to release\nthe hold on the Secured Savings Account will vary. The Bank will consider many factors including but not limited to how the Secured Credit\nCard Account, any other credit accounts, and other First Citizens accounts are managed. If collateral is released, the Bank will release the hold\non your Secured Savings Account. The Secured Savings Account will be converted automatically to a Regular Savings account without prior\nnotice to you and will be subject to the fees and charges applicable to a Regular Savings Account.\nIf you choose to close your Secured Credit Card Account, the funds in your Secured Savings Account may be used to pay any remaining\nbalance on the Secured Credit Card Account. This process may take up to 60 business days. During this period of time, you will still be\nresponsible for any Minimum Payment Due. If any funds remain in the Secured Savings Account after this time, the Secured Savings Account\nwill be converted automatically to a Regular Savings Account without prior notice to you and will be subject to the fees and charges applicable\nto a Regular Savings Account.\nCONDITIONS\nBy submitting this application, you: (1) acknowledge that you have reviewed the credit card Terms and Conditions; and (2) agree to submit\nyour application for this credit card subject to those Terms and Conditions.\nYou acknowledge that all the information contained in this application is true, correct and complete.\nYou authorize First Citizens Bank to obtain information necessary to evaluate your credit and employment history and to report the credit\nexperience of each applicant or authorized user to consumer reporting agencies and others.\nYou agree to be bound by the Terms and Conditions of the Consumer Credit Card Agreement & Disclosure, which will be sent to you if your\napplication is approved. The Agreement includes your rights and responsibilities under the Fair Credit Reporting Act.\nYou authorize us to share with others, to the extent permitted by law, such information and our credit experience with you.\nYou understand that the terms of your account may be changed at any time, subject to applicable law.\nYou understand that you will be liable for payment of all amounts owed on the account.\nYou understand First Citizens Bank will retain this application whether or not it is approved.\nYour credit limit will be disclosed with delivery of your card(s) and will also be listed on your account Billing Statements. First Citizens may\nchange your limit in its sole discretion at any time as permitted by law and after providing you with required notice. You may request a change\nto your credit limit by contacting First Citizens at the toll free number listed on the back of your Card and on your Statement. You agree not to\nexceed your credit limit, but if you do, you promise to pay any amount over your limit without notice or demand.\nSECURITY AGREEMENT (Applicable only to Secured Credit Card)\nTo have a Secured Credit Card Account (\xe2\x80\x9cAccount\xe2\x80\x9d), we require you to also have a savings account with us (\xe2\x80\x9cSecured Savings Account\xe2\x80\x9d). As\ncollateral security for your obligations under the Secured Savings Account, you hereby grant and pledge to the Bank a lien on and security interest\nin all your right, title, and interest in your Secured Savings Account (\xe2\x80\x9cSecurity Interest\xe2\x80\x9d). As a condition of opening the Secured Card Account,\nyou must maintain a minimum of $500 in the Secured Savings Account in your name with the Bank. You also grant the Bank an interest in all\nrenewals, additions, proceeds, modifications, substitutions, and replacements of the Secured Savings Account. You may not withdraw any funds\nfrom the Secured Savings Account. You acknowledge and agree that the Security Interest in the Secured Savings Account is to secure payment of\nall your existing and future obligations to us under your Agreement. You represent that there are no current lawsuits or bankruptcy proceedings\nthat might affect our Security Interest in the Secured Savings Account. No portion of the Security Interest may be used to secure other loans. Any\nattempt to give a Security Interest or transfer any other interest in the Secured Savings Account will be ineffective and void.\nYou may not close the Secured Savings Account until all amounts owed under this Agreement have been fully paid and you no longer have any\nright to use your Secured Card Account. If you are in default under this Agreement, or your Secured Card Account is closed for any reason,\nwe may, immediately and without giving you notice, withdraw all or any portion of the funds in the Secured Savings Account and apply it to\nreduce any amounts owed under this Agreement. You will continue to be responsible for making payments as required under this Agreement\nand for repaying all amounts owed. If the Bank chooses not to, or otherwise fails to apply your funds in the Secured Savings Account toward\namounts owed on the Secured Card Account or otherwise owed under the Agreement, you agree that: (a) the Bank does not waive any right\nit has to do so at any later time, and to the extent not prohibited by law, the Bank may apply such funds at any time, in its sole discretion; and\n(b) you are not excused from performance or payment owed with respect to the Secured Card Account or under the Agreement.\nOnce the Secured Card Account is opened, you will not be able to lower the credit limit. We may increase or decrease your credit limit, and no\nsuch action shall change the fact that the related Security Interest is held by us as security for all amounts owed under the Agreement. You may\nchoose to close your Secured Card Account at any time. The funds in the Secured Savings Account may not be available for up to 60 business\ndays following the payoff and closure of the Secured Card Account. You are responsible for any amounts due that exceed the funds in the Secured\nSavings Account. Following closure of the Secured Savings Account, any funds remaining in the Secured Savings Account will be returned to you.\nYou acknowledge that the credit card Terms and Conditions are in addition to the terms and conditions set forth by the Disclosure of Products\nand Fees \xe2\x80\x93 Checking and Savings and Deposit Account Agreement for your Secured Savings Account. If any provisions in this Security\nAgreement related to the Security Interest shall conflict with any terms or provisions of any other agreement with the Bank, the provisions of\nthis Security Agreement, as it relates to Security Interest, shall govern over any provisions in other agreements.\nThis information was printed in March 2020 and was accurate as of that date and is subject to change after that date. You should contact us\nto find out what may have changed by calling toll-free at 1.888.202.4978.\nRBPID \xe2\x80\x93 Standard (3/20)\n\nPage 8 of 8\n\n\x0c'


b'CONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the\nCredit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nD42MT5 (MXC503 CCM004)-e\n\n\x0calso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nc. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nd. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\ne. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be\ncharged to your account when a convenience check is returned for any reason.\nD42MT5 (MXC503 CCM004)-e\n\n\x0c8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at Attn: Card Operations P.O. Box 2260, Mansfield, TX 76063 or telephone (800) 5273600 seven (7) days a week, 24 hours a day or (800) MCASSIST seven (7) days a week, 24 hours a day, of the loss,\ntheft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not\nbe liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However, if\nyou exercise reasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theft\npromptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will\nnot exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n\nD42MT5 (MXC503 CCM004)-e\n\n\x0c14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n26. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nD42MT5 (MXC503 CCM004)-e\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nD42MT5 (MXC503 CCM004)-e\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nPLATINUM MASTERCARD / SECURED\nMASTERCARD / PLATINUM REWARDS MASTERCARD /\nUTA REWARDS MASTERCARD / UTA BLAZE MASTERCARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Mastercard\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be\ncreditworthiness.\n\n8.90% to 17.90% , based on your\n\nSecured Mastercard\n\n11.90%\nPlatinum Rewards Mastercard\n\n12.90% to 17.90% , based on your creditworthiness.\nUTA Rewards Mastercard\n\n12.90% to 17.90% , based on your creditworthiness.\nUTA Blaze Mastercard\n\n8.90% to 17.90% , based on your creditworthiness.\nAPR for Balance Transfers\n\nPlatinum Mastercard\n4.90% , 7.90% or 9.90% Introductory APR for a period of six billing\ncycles, based on your creditworthiness.\nAfter that, your APR will be 8.90% to 17.90% , based on your\ncreditworthiness.\nSecured Mastercard\n11.90%\nPlatinum Rewards Mastercard\n12.90% to 17.90% , based on your creditworthiness.\nUTA Rewards Mastercard\n12.90% to 17.90% , based on your creditworthiness.\nUTA Blaze Mastercard\n8.90% to 17.90% , based on your creditworthiness.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04219677-MXC10-P-1-022519 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nPlatinum Mastercard\n4.90% , 7.90% or 9.90% Introductory APR for a period of six billing\ncycles, based on your creditworthiness.\nAfter that, your APR will be 8.90% to 17.90% , based on your\ncreditworthiness.\nSecured Mastercard\n11.90%\nPlatinum Rewards Mastercard\n12.90% to 17.90% , based on your creditworthiness.\nUTA Rewards Mastercard\n12.90% to 17.90% , based on your creditworthiness.\nUTA Blaze Mastercard\n8.90% to 17.90% , based on your creditworthiness.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee - Platinum Mastercard,\nPlatinum Rewards Mastercard , UTA\nRewards Mastercard\n- Annual Fee - Secured Mastercard\n- Annual Fee - UTA Blaze Mastercard\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\n\n$30.00\n$50.00\n2.00% of each transaction in U.S. dollars completed outside the U.S.\n2.00% of each transaction in U.S. dollars completed in a foreign currency\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Platinum Mastercard:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first six months following the opening of your account. Any existing balances on Texas Trust Credit\nUnion loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases, balance transfers and cash advances and apply the prevailing nonintroductory APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: February 26, 2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Mastercard, Secured Mastercard, Platinum Rewards Mastercard , UTA\nRewards Mastercard and UTA Blaze Mastercard are secured credit cards. Credit extended under this credit card\naccount is secured by various personal property and money including, but not limited to: (a) any goods you\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04219677-MXC10-P-1-022519 (MXC101-E)\n\n\x0cpurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nAnnual Fee - Secured Mastercard:\n$30.00.\nAnnual Fee - UTA Blaze Mastercard:\n$50.00.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04219677-MXC10-P-1-022519 (MXC101-E)\n\n\x0c'


b'CREDIT CARD DISCLOSURES\n\nArbor Financial Credit Union\n1551 S. 9th Street\nKalamazoo, MI 49009\n269-375-6702 or 800-442-7340\nwww.arborfcu.org\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\naccurate as of 04/01/2021\n_________________. You can contact us toll free at the number or address above to inquire if any changes\noccurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAdvantage Visa Card\n\nRewards Visa Card\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\n\n9.25 %, 10.25 %,\n13.25 %, 14.25 %,\n15.25 %, or 16.25 %\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\n6.0 %, 7.25 %,\n11.25 %, 13.25 %,\n14.25 %, or 15.25 %\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases if you pay your entire new purchase balance by the\ndue date each month. We will begin charging interest on cash advances and balance\ntransfers on the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection 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:\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nNone\nNone\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n1% of each transaction in U.S. dollars if the transaction does not involve a currency\nconversion\n\nUp to $25.00 if your payment is late 10 days or more\nNone\nUp to $27.00 the first time your payment is returned for any reason. If a subsequent\npayment is returned for any reason within the following 6 billing cycles, you will be\ncharged up to $35.00 for each returned payment.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\n\x0c'