b'PRICING LIST AND CARDHOLDER AGREEMENT\nAnnual Percentage Rate\n(APR) for Purchases\xc2\xb9\n\nPenFed Gold Visa\xc2\xae\nPenFed Platinum Rewards Visa Signature\xc2\xae\nPenFed Power Cash Visa Signature\xc2\xae\nPenFed Pathfinder\xc2\xae Rewards Visa Signature\xc2\xae\n\nPrime plus 4.24% - 14.74%\nPrime plus 10.24% - 14.74%\nPrime plus 11.74% - 14.74%\nPrime plus 11.74% - 14.74%\n\nAPR for Balance Transfers 17.99%\nand Cash Advances\nPenalty APR\n\n17.99%\n\nAnnual Fee2\t\t\n\nPenFed Pathfinder\xc2\xae Rewards Visa Signature\xc2\xae -$95\nAll other cards - None\n\nMinimum Interest Charge\n\nNone\n\nForeign Transaction Fee\n\nNone\n\nGrace Period\n\nAt least 25 days\n\nBalance Computation\nMethod\n\nAverage daily balance, including new purchases\n\nCash Advance Fee\n\nNone\n\nLate Payment\n\nUp to $20 if balance is less than $1000;\nUp to $25 if balance is $1000 - $2000;\nUp to $28 if balance is greater than $2000\n\nOver-The-Limit Fee\n\nNone\n\nBalance Transfer Fee\n\n3% per transaction\n\nReturned Payment Fee\n\nUp to $25\n\nRequired Fees - Other\n\nNone\n\n\xc2\xb9 Rates are based on your creditworthiness, which includes an evaluation of your credit history and the length of\nyour PenFed membership. Your actual APR will be disclosed at the time of credit approval. Not all applicants will\nqualify for the lowest rate.\n2As a PenFed Pathfinder\xc2\xae Rewards cardholder, if you qualify for Honors Advantage (member of the military or\nAccess America account holder) at the time of the application, we will waive the annual fee on your account. If\nyou were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your\nnext anniversary. If at any time, you fail to meet the eligibility requirement, you will no longer be eligible for the\nwaiver. You will receive advance notice of this change.\n\nForm 1203-PL (12/20) \xc2\xa9 Pentagon Federal Credit Union, 2020\n\n\x0cCARDHOLDER AGREEMENT\nDEFINITIONS. The \xe2\x80\x9cCard\xe2\x80\x9d means the Pentagon\nFederal Credit Union (PenFed) credit card which\nwe issue to you under this Agreement, and\nincludes any device or check used to obtain credit\nor cash from the Account. Unless otherwise stated,\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Card Account with us. An\nAuthorized User is an individual receiving a Card,\nbut who has no responsibility for payment of the\nAccount. The words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9ccardholder\xe2\x80\x9d\nmean each person, jointly and individually who\nholds, signs, retains, uses, or permits others to\nuse or sign a Card. The words \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d\nmean PenFed or any of its assignees.\n1. AGREEMENT. We agree to extend credit to you\nand advance amounts up to your credit limit, but\ntransaction limits may apply. Your credit limit is\nnot increased by any credit balance you may have\non your Account. You agree to sign the back of\nthe Card as soon as you receive it. You agree to\npay us for credit extended for the use of the Card\nby you or any other cardholder, along with all\napplicable finance charges, fees and insurance, if\nany apply. By signing, using or permitting others\nto use the Card, you agree to the terms and\nconditions contained in this Agreement, on the\nCard, on any charge slip resulting from authorized\nuse of the Card, on any authorized cash advance\nslip, and to accept responsibility for all actions\ntaken with the Card.\n2. CREDIT LIMIT. You agree to use the Card\nwithin the credit limit we authorize. You also\nagree that we can change your credit limit at any\ntime. We are not obligated to accept charges that\nwould cause you to exceed your authorized credit\nlimit but we may do so in our sole discretion. Any\nextension of credit to you, made or honored by\nus, shall be at such times and in such amounts\nand for such purposes as to conform to this\nAgreement, and only when there is no default.\n3. CHANGE IN TERMS. You agree that the terms of\nthis Agreement are applicable to any cardholder.\nYou also agree that we can change the terms of\nthis Agreement at any time by adding, deleting,\nor modifying any provision of the Agreement.\nWe will give you notice of any such changes, if\nrequired by law.\nTermination of the Account by you or PenFed\nwill not affect your obligation to pay the Account\nbalance plus any finance charge and other\ncharges you owe under this Agreement. You are\nresponsible for all transactions made to your\nAccount after termination, unless the transactions\nwere unauthorized. Should you choose to cancel\nyour Account, the terms in effect at the time\nthat you cancel the Account will apply until the\noutstanding balance of the Account is paid in\nfull, unless you are in default. Your Card will no\nlonger be available for use for new transactions,\nincluding purchases, as the Account will be closed\n(if it is not already closed.) Any rewards you have\nearned, if applicable, will be forfeited unless they\nare redeemed before the Account is closed. If you\ndo not notify us of your decision to terminate\nthe Account by the date stated in any notice\nwe provide, or if you notify us but then use the\nAccount after the date stated in the notice, you will\nbe deemed to accept all changes to the Account\xe2\x80\x99s\nterms and conditions of this Agreement.\nIf you are in default because your payment has\nnot been received within 60 days of the due date,\nyou do not have the right to reject the changes\nwe make to this Agreement or the Account\xe2\x80\x99s\nterms and conditions.\n4. FINANCIAL CONDITION CHANGE. You agree\nto advise us of any change in your financial\ncondition that may affect your creditworthiness\nand to provide us with a current loan application\nwhenever we request one. You expressly\nauthorize any person, partnership, association,\nfirm, corporation or consumer reporting agency,\n\nupon our request, to furnish us with information\nconcerning you relevant to the review and\nevaluation of this Account. You understand and\nagree that we may terminate your Account upon\nreevaluation of your creditworthiness.\n\nfinance charges at the purchase rate, forgoing the\ngrace period. To avoid finance charges on new\npurchases after you transfer a balance, you must\npay all balances on your Account including any\nbalances that you transfer in full by the due date.\n\n5. FINANCE CHARGES WILL BE IMPOSED\nIN THE FOLLOWING MANNER AND WILL\nBE IN AMOUNTS NOT IN EXCESS OF THOSE\nPERMITTED BY LAW:\n\n6. PAYMENTS. A payment delivered by physical\nmail must be sent to the address on your periodic\nstatement and be received by 5:00 pm, Monday\nthrough Friday, excluding holidays, to receive\nsame day credit. Your payment by mail must\nbe a check or money order in U.S. dollars with\nyour account number on the check or money\norder and drawn on a U.S. financial institution,\naccompanied by the payment voucher from your\nstatement. Payments received at other locations\nor not conforming to these procedures may be\ndelayed in posting, but not more than 5 business\ndays from the date of receipt.\nPenFed, in its sole discretion, may accept a\ncheck for payment on your Account even though\npayment was made before the date of the\ncheck or a check which has a date more than\n6 months old. We may delay the availability of\ncredit until we confirm your payment has cleared.\nPayments made electronically through our\nautomated telephone service, member service\nrepresentatives, or our website will be subject\nto any processing times disclosed with those\npayments.\nYour minimum payment due is the greater of\n$15 or 2% of the new balance plus the past due\namount, if any, and/or all amounts in excess of the\nauthorized credit line/limit shown on the periodic\nstatement. If the new balance does not exceed\n$15, only the new balance total is due and is shown\nas the minimum payment due. All past due or\nover limit amounts are due and must be fully paid\nimmediately upon notification. You may, however,\npay the total amount due, which is shown as\nthe new balance, or you may pay any additional\namount you wish over the minimum payment due.\nIf your payment is not honored or we must return\nit to you because it could not be processed, a\nreturned payment fee may be assessed to your\n1\nAccount .\nYour account may have purchases, cash advances,\nand balance transfers with different APRs.\nYou understand and agree that the minimum\nmonthly payment will be applied first to the card\nbalance with the lowest APR in the following\norder: finance charges, credit life fees (if any),\ncash advance balances, balance transfers and\npurchase balances. You understand and agree\nthat payments in excess of the minimum monthly\npayment will be applied first to the card balance\nbearing the highest rate of interest, then to each\nsuccessive balance bearing the next highest rate\nof interest until the payment is exhausted. We\nmay reject and return any payment that creates\na credit balance on your Account. Any credit\nbalance we allow may not be available until\nwe confirm that your payment has cleared. We\nmay reduce the amount of any credit balance\nby any new charges. You may write or call us to\nrequest a refund of any available credit balance.\nIf a credit balance remains on your account for\n6 months and the amount is $1 or more, we will\nautomatically refund it to you, otherwise it will be\nremoved.\n7. DEFAULT. You will be in default if you fail to\nmake any payment by the Payment Due Date\nshown on your Account statement, if you become\ninsolvent or file bankruptcy, if you become\nincompetent or die, if a judgment or garnishment\nshould be issued against any of your property\nincluding any of your Accounts with us, if we in\ngood faith consider our or your obligations or\nyour ability to repay or perform your obligations\nwith us unsafe or insecure, if this Account or any\nother account at PenFed is maintained by you in a\nmanner that PenFed, in its sole discretion, deems\n\nA. PURCHASES: (1) No finance charge will be\nimposed during the next billing cycle (defined as\nthe time interval between regular monthly billing\nstatement dates) if you pay the entire new balance\nshown on the current periodic statement and we\nreceive your payment on or before the payment\ndue date shown on the statement. (2) In all other\ncases, a finance charge will be imposed based\non the average daily balance of all purchases\nand debit adjustments, hereafter referred to as\npurchases. The average daily balance is the sum of\nall outstanding purchases, which is determined by\nincluding new purchases and deducting payments\nor credits and excluding any unpaid finance\ncharge for your Account on each day of the billing\ncycle divided by the number of days in the billing\ncycle. A purchase appearing on the periodic\nstatement is considered a part of the outstanding\nbalance from the date of posting. (3) The amount\nof the finance charge is calculated by multiplying\nthe average daily balance for purchases by the\nmonthly periodic rate. The monthly periodic rate\nis the yearly interest rate divided by 12.\nB. CASH ADVANCES. (1) There is no grace period\non cash advances. Finance charges accrue on all\ncash advance amounts from the date charged\nto your Account and continue so long as such\namounts remain outstanding. (2) A finance charge\nwill be imposed on the average daily balance\nof cash advances, which is the sum of the cash\nadvances outstanding each day during the billing\ncycle, divided by the number of days in the billing\ncycle. The sum of cash advances is determined by\nincluding new cash advances and deducting any\npayments or credits and excluding any unpaid\nfinance charge. A cash advance appearing on the\nperiodic statement is considered a part of the\noutstanding balance from the date of posting.\n(3) The amount of finance charge is calculated\nby multiplying the average daily balance for\ncash advances by the monthly periodic rate. The\nmonthly periodic rate is the yearly interest rate\ndivided by 12.\nC. BALANCE TRANSFERS. (1) There is no grace\nperiod on balance transfers. Finance charges\naccrue on all regular or promotional balance\ntransfer amounts from the date posted to your\nAccount and continue so long as such amounts\nremain outstanding. (2) A finance charge will\nbe imposed on the average daily balance of\nbalance transfers, which is the sum of the balance\ntransfers outstanding each day during the billing\ncycle, divided by the number of days in the billing\ncycle. The sum of balance transfers is determined\nby including new balance transfers and deducting\nany payments or credit and excluding any unpaid\nfinance charge. A balance transfer appearing\non the periodic statement is considered a part\nof the outstanding balance from the date of\nposting. (3) The amount of finance charge is\ncalculated by multiplying the average daily\nbalance for each balance transfer by its monthly\nperiodic rate. The monthly periodic rate is the\nyearly interest rate divided by 12. If you transfer\na balance from another financial institution to us,\nyou will immediately incur finance charges at the\nregular or promotional APR available at the time\nof the balance transfer and on purchases at the\npurchase APR. For instance if you transfer $1,000\nat a promotional rate of 0% APR and then make\na purchase of $200, you will immediately accrue\n\n\x0ccontrary to sound financial practice, or if you fail\nto live up to any of your other agreements with\nus, to include any PenFed policy or procedure.\nSubject to law, if you default on this Agreement,\nwe can, without giving anyone notice, demand\nimmediate payment of the remaining balance\ndue including but not limited to any unpaid\nfinance charges, late fees and any other charges\ndue under this Agreement. You also agree our\nobligation for further credit extensions shall\nimmediately end and we may terminate your\nAccount without further notice to you. We\ncan do this if you make any false or misleading\nstatements on your requests for an advance, if\nyou die, file for bankruptcy or if any other creditor\ntries to seize your property.\nIf your required minimum payment has not\nbeen received within 60 days of the due date,\nany balance, including a balance transfer with\na promotional rate, will increase to the Penalty\nAnnual Percentage Rate (Penalty APR). See\nSection 10 below for details of the Penalty APR. If\ncollection is necessary, you agree to pay all costs\nof collection, including attorney\xe2\x80\x99s fees and court\ncosts, in an amount not more than 25 percent of\nthe balance due.\n\ntransfers, lottery tickets, casino gaming chips,\nrace track wagers or similar betting transactions;\nand any payment using a third party service.\n\n8. LATE PAYMENT FEES. You may be charged a\nlate payment fee if the Minimum Payment Due is\nreceived 10 or more days past the due date1.\n9. VARIABLE RATES. One or more APRs that\napply to your Account may vary with changes\nto the Prime Rate, which means your rate can\nincrease. We calculate the APR by adding a\nmargin to the Prime Rate published in The Wall\nStreet Journal. If The Wall Street Journal stops\npublishing the Prime Rate, we will select a similar\nreference rate and inform you on your billing\nstatement or through a separate notice. The\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d is the highest (U.S.) Prime Rate\npublished in the Money Rates section of The\nWall Street Journal. A margin is the percentage\nwe add to the Prime Rate to calculate the APR.\nOn the first Tuesday of the first full week of each\nmonth, we determine what the Prime Rate is as\npublished in the Wall Street Journal. We then add\na margin as set forth in the Summary of Terms\nissued with your Card to the Prime Rate to get\nthe APR for the following month\xc2\xb9. If the APR\nincreases, you will have to pay a higher periodic\nfinance charge and may have to make a higher\nminimum payment.\n\n15. GRANT OF SECURITY INTEREST IN SHARES.\nTo protect us if you are in default on any credit\nextended or cash advanced under this Account,\nyou have granted a security interest in all of\nyour shares, deposits, payments and dividends\nwhich may be received, whether held jointly or\nindividually, up to the amount of your outstanding\nbalance. The foregoing security interest includes\nthe right to apply funds available to you in any\njointly held account on your date of death. This\ndoes not include your individual retirement\naccounts (IRA). We may take all the shares\nneeded by us to repay your credit extension\nor cash advance. If it is necessary to take all of\nyour shares for the payment of this Account, you\nunderstand your membership in PenFed may end.\nCollateral securing other loans with the credit\nunion may also secure this loan.\nAdditional notice for Visa Secured cardholders: In\nconsideration of PenFed\xe2\x80\x99s issuing you a Card, you\npledge your PenFed Share account as security\nfor this line of credit. To protect us if you are in\ndefault on any credit extended or cash advanced\nunder this Account, you pledge all of your shares,\ndeposits, payments and dividends which may\nbe received, whether held jointly or individually,\nup to the amount of your outstanding balance.\nThe foregoing pledge includes the right to\napply funds available to you in any jointly held\naccount on your date of death. This does not\ninclude your individual retirement accounts\nindividual retirement account (IRA). We may take\nall the shares needed by us to repay your credit\nextension or cash advance. If it is necessary to\ntake all of your shares for the payment of this\nAccount, you understand your membership in\nPenFed may end. Collateral securing other loans\nwith the credit union may also secure this loan.\n\n10. PENALTY ANNUAL PERCENTAGE RATE. If\nyour required minimum payment is not received\nwithin 60 days of the due date, your Account\nmay be subject to change to a Penalty APR. The\nPenalty APR will remain in place until you make\nthree consecutive payments on or before the\ndate that each payment is due. In addition, your\nbalance transfer rate for any outstanding balance\ntransfer amounts will increase to the Penalty\nAPR. After three consecutive months of on-time\npayments, the rates will be reduced to the rates\nthat applied prior to the increase, unless the\ntemporary promotional rate has expired or the\nindex for the variable rate has changed\xc2\xb9.\n11. PROMOTIONAL\nANNUAL\nPERCENTAGE\nRATE. At our option, a special promotional rate\nmay be offered from time to time. The specific\nterms will be provided at the time of the offer.\nGenerally, the promotional APR will only apply\nto select transactions (i.e. purchases or balance\ntransfers) during the promotional period. The\nAPR rates for all other transactions, not outlined\nin the promotion as eligible for the promotional\nAPR, will remain unchanged. If your required\nminimum payment is not received within 60 days\nof the due date, any promotional APR and the\nperiodic rate for purchases, cash advances, and\nbalance transfers will increase to the Penalty APR\nuntil 3 consecutive payments are made on time.\n12. CASH AND CASH-LIKE TRANSACTIONS.\nThe following transactions will be treated as\ncash advances when conducted with your Card,\naccount number, checks or mobile device: any\nperson to person transfers or transfers to any\nPenFed or non-PenFed account, bill pay, overdraft\nprotection, ATM or over the counter advances, the\npurchase of travelers checks, foreign currency,\nmoney orders, bail bonds, cryptocurrency, wire\n\n13. ACCOUNT CLOSURE. You or anyone jointly\nliable for the Account may terminate the Account\nat any time by notifying us orally or in writing.\nHowever, this will not relieve you or any of the\nother joint owners from liability for the repayment\nof any obligations arising from the use of the\nAccount. In addition, recurring charges from a\nthird party vendor/merchant will be charged to\nyour Account, even though you have requested\ncancellation from PenFed. You must cancel the\nrecurring charge with the third party vendor/\nmerchant. Upon receipt of your notice, we may\nclose your Account or suspend your Account\nprivileges at any time without prior notice. You\nmust return all of the Cards to us upon request.\n14. THIRD PARTY DISCLOSURE. We may disclose\ninformation to third parties, including but not\nlimited to credit reporting agencies or merchants,\nabout your Account in order to advise such\nthird parties of the existence or condition of\nyour Account, to evaluate your current credit\nworthiness, or as otherwise provided by law.\n\n16. CARD DISHONOR. If a merchant refuses the\nCard, we will not have any liability or responsibility.\nNo cash refund will be made to or accepted by\nyou with respect to any adjustment for goods or\nservices purchased. All adjustments will be made\nby credit to your PenFed Account by a properly\nexecuted credit voucher issued by the merchant.\n17. ILLEGAL, EXCESSIVE, OR ABUSIVE CARD\nUSE. You agree that illegal use of your Card,\nor behavior deemed by us to be excessive or\nabusive by cardholders(s), will be deemed an\naction of default and/or breach of contract and\nyour Account and other related services may be\nterminated at our discretion. You further agree,\nshould illegal, excessive, or abusive use occur, to\nwaive any right to sue PenFed for such use or any\nactivity directly or indirectly related to it. You also\nagree to indemnify and hold PenFed harmless\nfrom any suits or other legal action or liability,\ndirectly or indirectly, resulting from such use.\n18. AUTHORIZED USER. You may request us\nto issue a Card to an individual who has no\nfinancial responsibility under this Agreement.\nAn Authorized User has the same access to your\nAccount as you do, subject to any limitations\n\nwe may impose. An Authorized User has no\nauthority to add or delete cardholders, request\na replacement Card or terminate or modify this\nAgreement. You may terminate an Authorized\nUser\xe2\x80\x99s authority to access your Account at any\ntime. To do this, you must return the Card to\nPenFed. You agree that you are responsible\nfor all charges and cash advances made by\nan Authorized User, including charges made\nbefore the Card is returned, recurring charges,\nor charges made without the use of the Card\ninitiated by the Authorized User after termination\nof the Authorized User\xe2\x80\x99s access.\n19. LIEN. You hereby appoint PenFed as your\nagent under a special power of attorney as well as\ngive your express consent to enable us to charge\nagainst any balance in any of your accounts,\nincluding accounts on which you are a joint owner,\nto include any otherwise statutorily protected\nfunds that may not otherwise be available by\nlegal process, to pay any indebtedness or other\noutstanding financial obligation owed by you or\nany person who is listed as a joint owner on your\naccounts, including a deceased joint owner. This\ndoes not include your IRA or any other account\nfor which this provision is not permitted. We may\ntake such action without further notice to you or\nany joint owner. In regard to those funds that have\na statutory protection, you understand that you\nmay withdraw the special power of attorney and\nconsent for PenFed to apply such funds to pay\nany such indebtedness by notifying us in writing. If\nyour agency appointment or consent is withdrawn,\nPenFed may, in its sole discretion, terminate any\nand all services that you have with the credit union.\n20. ISSUANCE/USE OF CARD. Upon receipt of\nthe Card(s), you and all other cardholders agree\nthat you will sign the signature panel on the back\nof the Card(s). The Card remains the property\nof Pentagon Federal Credit Union and may be\nrevoked without notice at any time. The Card must\nbe surrendered to us upon demand or revocation.\nIf we employ an agent to obtain the Card, your\nAccount will be charged with any related fees. No\nexpired, revoked or otherwise invalid Card shall\nbe used to obtain or attempt to obtain credit. You\nwill remain responsible to pay the amount you\nowe us according to the terms of this Agreement.\nCancellation of the Account will also terminate any\nother products or services offered in conjunction\nwith it. However, recurring charges from a third\nparty vendor/merchant will be charged to your\nAccount, even though you have requested\ncancellation. You must cancel the recurring charge\nwith the third party merchant/vendor.\n21. ISSUANCE/USE OF CHECKS. If we issue you\nchecks, these checks are treated as cash advances\nwhen they are used and presented for payment.\nWe may refuse to issue or reissue and may also\nterminate, limit or modify the use of the checks\nwithout notice to you, and you agree to surrender\nthe checks upon our demand or upon learning of\nour cancellation or withdrawal of the checks. Use\nof checks or other methods of access for kiting or\nsimilar activity is an action of default. The checks\nat all times remain the property of PenFed and\nwe may repossess them without the use of court\nprocess. All of the terms and conditions of this\nAgreement apply to the use of the checks. Only\ncheck blanks and other methods authorized by\nPenFed now and in the future may be used to\nobtain funds from your Account. If so authorized\nby PenFed, your use of a personal identification\nnumber (PIN) for such purpose shall constitute\nyour signature. Paid checks become our property\nand will not be returned to you. Copies may be\nprovided, if requested, for a nominal fee for each\nitem. Should we decline to pay any check, or if\nyou instruct us not to pay a check, PenFed shall\nnot be liable, except for gross negligence, for any\naction it takes regarding payment or nonpayment\nof a check. If we decline to pay a check, a charge\nmay be made to your Account in the amount\nindicated on our current Schedule of Service Fees\nbrochure, which is available at any branch office,\non request, or at PenFed.org. You will not date any\ncheck later than the date that you write it. If you\ndo and the check is presented for payment before\nits date, PenFed, in its sole discretion may return\n\n\x0cit unpaid, or pay it. If we pay it, we will charge the\nAccount. PenFed may, in its sole discretion, pay a\ncheck which has a date more than six months old.\n22. ANNUAL FEE. You may be required to pay a\nnonrefundable annual fee for each Account you\nhave with us for which a Card is issued. You will\npay only one annual fee, even if more than one\nCard is issued for your Account. The fee will be\ncharged annually to your Account. This charge\nwill appear on your periodic statement for the\nbilling cycle when it first becomes effective\xc2\xb9.\n23. FOREIGN TRANSACTIONS. Purchases and\ncash advances made in foreign currencies will be\ndebited from your Account in U.S. dollars. The\nexchange rate between the transaction currency\nand the billing currency used for processing\ninternational transactions is either a wholesale\nmarket rate or the government mandated rate in\neffect one day prior to the date processed by Visa\nand may include an international transaction fee.\n24. DEBT PROTECTION PLAN. Your purchase\nof the Debt Protection Plan (\xe2\x80\x9cPlan\xe2\x80\x9d) is optional.\nWhether or not you purchase this protection\nwill not affect your application for credit or the\nterms of any existing credit agreement you have\nwith PenFed. If you do purchase Debt Protection,\nyou may cancel it at any time by notifying us in\nwriting. You understand that you may rescind\nthis plan within 30 days after the date your Debt\nProtection becomes effective. If you rescind,\nany premiums you have already paid will be\ncredited to your Account. We can terminate this\nAgreement by giving you notice at least 30 days\nin advance of the termination. The premium,\nmethod of calculation and assessment are subject\nto change. If these terms change, we will provide\nwritten notice before the change goes into effect.\nPremiums will accrue on a daily basis and will be\nbilled to your Account monthly. Complete details\nof this optional Debt Protection are included in\nThe Debt Protection Plan Program Agreement\nwhich you will receive upon enrollment.\n25. ASSIGNABILITY OF ACCOUNT. You agree\nthat PenFed may at any time sell, transfer or\nassign your Account.\n26. LOST/STOLEN CARD. You are responsible\nfor the possession and use of the Card and must\nmaintain the confidentiality of the PIN. You will\nnotify us at once if you believe your Card has been\nlost or stolen, or if you have reason to believe\nthe Card is being used without your permission.\nYou may notify us by calling 800-247-5626 or\n541-225-6700, or by writing to us at: Pentagon\nFederal Credit Union, PO Box 456, Alexandria, VA\n22313-0456.\n27. LIABILITY FOR UNAUTHORIZED USE. If\nyour statement has an error or a charge you did\nnot authorize, you must tell us in writing within\n60 days after you get that statement. You must\nfollow all instructions on that statement. If we\nfind no error after investigation, you owe us the\noriginal amount plus applicable interest and fees.\nYou are liable for all authorized use of any Card\nissued under the Agreement regardless of the\ncredit limit or the party using it. You agree to\nnotify us immediately by calling 800-247-5626\nor 541-225-6700, or writing to us at: Pentagon\nFederal Credit Union, PO Box 456, Alexandria, VA\n22313-0456 if you suspect unauthorized use of\nthe Card, and to cooperate with us in the recovery\nof any amounts advanced based on unauthorized\nuse. You will not be liable for any unauthorized\nuse of the Card.\n28.STATEMENTS. We will bill you monthly, on a\ndate selected by us, for amounts due under this\nAgreement. If you elect to receive your credit card\nstatement electronically, you will receive an email\nalerting you when your statement is ready to be\nviewed online. There may be a $1 fee for each paper\nstatement received\xc2\xb9. Failure to receive a monthly\nstatement or electronic statement notification\ndoes not relieve you from making any required\nminimum payment. Upon receipt of each periodic\nstatement, you should examine it and immediately\nnotify us in writing of any transaction you believe\nto be in error. If your Account is a joint account, we\ncan send statements and notices to either of you.\nYou agree to notify us promptly of any change in\n\nyour name, address, or email address.\n29. PAYMENT SKIP OPTION. At our option, we\nmay provide for a payment skip option, which\nmeans that you may be allowed to skip making\nthe minimum periodic payment for specified\nbilling cycles. If you accept this payment skip\noption, we will continue to apply the finance\ncharge as disclosed above, but no late payment\nfees will apply to the skipped payment. For the\nbilling cycle following a skipped payment, all the\nterms and conditions of this Agreement (including\nminimum periodic payment and applicable late\npayment fees) will continue to apply.\n30. OTHER AGREEMENTS. All the terms and\nconditions of any other agreement between us\nand you and/or any other institution that is part of\na network of automated teller machines (ATMs)\nin which we participate, and any applicable rules\nand regulations, also apply to use of the Card.\nThere may be minimum and/or maximum limits\non the amount of a cash advance dispensed from\nelectronic terminals, which accept the Card. All\nof the transactions made by electronic means\nare subject to verification by us, and any checks\nor other items deposited for collection may be\ndeemed to be received and any other transaction\nmay be deemed to occur on our next business\nday. You understand that transactions may be\nlimited in some areas.\nYou agree that we do not waive our rights\nunder this Agreement if we fail to assert them.\nThe Agreement binds and benefits us and our\nsuccessors and assigns and binds you, your estate\nand your personal representatives.\n31. APPLICABLE LAW. This Agreement and your\nCard and Additional Cards, and all questions about\ntheir legality, enforceability and interpretation,\nare governed by the laws of the Commonwealth\nof Virginia, USA.\n32. MILITARY LENDING ACT. Federal law\nprovides important protections to members of\nthe Armed Forces and their dependents relating\nto extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit\ntransaction or account: The cost associated\nwith credit insurance premium; fees for ancillary\nproducts sold in connection with the credit\ntransaction; any application fee charged (other\nthan certain applications fees for specified credit\ntransactions or accounts); and any participation\nfee charged (other than certain participation fees\nfor a credit card account). For more information,\nplease contact PenFed at 800-247-5626.\nYOUR BILLING RIGHTS (Keep this notice for future\nuse.) This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR\nSTATEMENT. If you think there is an error on your\nstatement, write to us at: Pentagon Federal\nCredit Union, PO Box 456, Alexandria, VA 223130456. You may also contact us on the Web via our\nSecure Online Message Center at: PenFed.org. In\nyour letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account\nnumber.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on\nyour statement.\n\xe2\x80\xa2 At least 3 business days before an automated\npayment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in\nwriting or electronically. You may call us, but if\nyou do, we are not required to investigate any\npotential errors and you may have to pay the\namount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE\nYOUR LETTER. When we receive your letter, we\n\nmust do two things:\n1. Within 30 days of receiving your letter, we\nmust tell you that we received your letter. We\nwill also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we\nmust either correct the error or explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has\nbeen an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question,\nor report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in\nquestion, you are responsible for the remainder\nof your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your\ncredit limit. After we finish our investigation,\none of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay\nthe amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You\nwill have to pay the amount in question, along\nwith applicable interest and fees. We will send\nyou a statement of the amount you owe and\nthe date payment is due. We may then report\nyou as delinquent if you do not pay the amount\nwe think you owe.\nIf you receive our explanation but still believe\nyour bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent\nwithout also reporting that you are questioning\nyour bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and\nwe must let those organizations know when the\nmatter has been settled between us. If we do not\nfollow all the rules above, you do not have to pay\nthe first $50 of the amount you question even if\nyour bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES. If you are\ndissatisfied with the goods or services that you\nhave purchased with your credit card and you\nhave tried in good faith to correct the problem\nwith the merchant, you may have the right not to\npay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your\nhome state or within 100 miles of your current\nmailing address, and the purchase price must\nhave been more than $50. (Note: Neither of\nthese is necessary if your purchase was based\non an advertisement we mailed to you, or if we\nown the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the\npurchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the\npurchase.\nIf all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in\nwriting or electronically at: Pentagon Federal\nCredit Union, PO Box 456, Alexandria, VA\n22313-0456, or online at PenFed.org. While we\ninvestigate, the same rules apply to the disputed\namount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n____________________________________________________________________________________________\n\n\xc2\xb9 Refer to the Summary of Terms issued with your\nCard\n\nInformation about this Card is accurate as of\nJune 2021 but may have changed since then. To\nfind out what may have changed, please go to\nPenFed.org or call 800-247-5626.\n\nForm 1203 (06/21) \xc2\xa92021 PenFed\n\n\x0c'


b'CREDIT CARD AGREEMENT\n\n1982 N. State Road 7\nMargate, FL 33063\n(954)-745-2400\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS WE FLORIDA FINANCIAL OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\n9011 LASER FPDF FI18400 Rev 9-2019\n\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions. Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (800)-449-7728. You agree to follow up your call\nwith notice in writing to us at: PO Box 31112, Tampa FL 33631-3112. You also\nagree to assist us in determining the facts, circumstances and other pertinent\ninformation relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with\nour investigation. You will be liable for any unauthorized use only if we can\nprove that you were negligent in your use or handling of your Card, or if we\ncan prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS WE FLORIDA FINANCIAL OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nSkip Payment: If we make a skip payment option available, you may skip\nmaking your payment(s) for certain month(s). If you choose this option,\ninterest will continue to accrue, but no late payment charges will be imposed\nduring the skip period. All credit terms applicable immediately prior to the skip\nperiod will again apply once the skip period has expired.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\n9011 LASER FPDF FI18400 Rev 9-2019\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-230-0200, option 4, during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER FPDF FI18400 Rev 9-2019\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'1982 N. State Road 7\nMargate, FL 33063\n(954)-745-2400\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of _______________. You can contact us toll free at (800) 230-0200 or at the address above to inquire if any\nchanges occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nVISA PLATINUM\nAnnual Percentage Rate\n(APR) for Purchases, Cash\nAdvances, & Balance\nTransfers\n\nVISA SECURED\n\n_______% Introductory APR for first\n\n16.90%\n\n____________ monthly billing cycles. After that,\nyour Standard APR will be\n\nThis APR will vary with the market\nbased on the Prime Rate.\n\n8.90%, 10.90%, 13.90%,\n15.90%, or 18.90%\ndepending on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge\nyou interest on purchases if you pay your entire new purchase balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers on\nthe date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain\nyour Account\n\n\xe2\x80\xa2 Application Processing Fee:\n\xe2\x80\xa2 Annual Fee:\n\nNOTICE (Applies to Visa Secured only): Maintenance fees may be assessed before you\nbegin using your card and will reduce the amount of credit you initially have available. For\nexample, if you are assigned the minimum credit limit of $500.00, and if your\nmaintenance fees are $100.00, your initial available credit will be only $400.00.\nNone\nVisa Secured: $50.00 (charged at account opening and annually); Visa Platinum: None\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\n1% of the amount of each transfer (minimum:\n$10.00, maximum: $300.00)\n1% of the amount of each transfer (minimum:\n$10.00, maximum: $300.00)\n3% of each transaction in U.S. dollars.\n\nNone\nNone\n3% of each transaction in U.S. dollars.\n\nIf your payment is more than 2 days late, up to $25.00 for the first offense and up to\n$35.00 each if 2 or more offenses occur within 6 months.\nNone\nUp to $25.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including current purchases)."\nLoss of Introductory Rate: Visa Platinum -There will be no loss of the Introductory APR during the first ____________\nmonthly billing cycles.\nSEE NEXT PAGE for more important information about this account\n9009 LASER FPDF FI16043 Rev 1-2021\n\npage 1 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cVariable Rate: The Annual Percentage Rate will change as the Prime Rate changes. It will be equal to the \'Prime Rate\' as\npublished in the Wall Street Journal on June 30th each year plus a margin based on your creditworthiness. The rate will change\nin July of each year if the Prime Rate changes.\nCard Agreement: You will receive a Visa Credit Card Agreement/Disclosure with the Card. Please read the entire disclosure for\ncomplete details regarding the terms of the account, including rates and fees which are subject to change. The\nAgreement/Disclosure is also available on our website at www.wefloridafinancial.com or call us at 954-745-2400 option 4 for\ncomplete details.\nBalance Transfer Requests: You may request to transfer balances from your higher interest rate credit or store cards by\ncontacting us at 954-745-2400 or 800-230-0200, option 4. You may transfer any amount; however, the total amount transferred,\nincluding any fees, must be less than your available credit limit. You should not transfer the amount of any disputed purchases\nor other charge. You may lose your dispute rights if you do. You may not transfer balances from other accounts issued by We\nFlorida Financial. We process multiple balance transfers in the order requested. If a balance transfer will exceed the credit\navailable, you authorize us to process any balance transfer less than the amount requested up to the amount of your credit\nlimit. Please allow up to two weeks for balance transfers to be completed. Accordingly, you should continue to make all required\npayments until you confirm balance transfers were made. Balance transfers are processed by mailing a check to the card\nissuer for payment. Interest begins to accrue on balance transfers on the date a check is issued for payment.\n\n9009 LASER FPDF FI16043 Rev 1-2021\n\npage 2 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\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 Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis 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.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\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 between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. 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. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0cd. 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.\ne. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\nf. 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.\ng. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nh. 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.\ni. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\nj. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nk. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. 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 2.50% 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.\n\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0cWhen 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.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts of the state of Florida.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 300 S. Plumosa St., Merritt Island, FL 32952 or telephone (800) 543-5073 seven (7)\ndays a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the\nunauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss,\ntheft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your credit card,\nunless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\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.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\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 at no additional cost to you. You understand that the Credit Union is not obligated to offer such\nservices 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.\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0c22. 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. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. EMERGENCY CASH AND CARD REPLACEMENT \xe2\x80\x94 If your account is eligible for emergency cash and/or\nemergency card replacement services and you request such services, you agree that we may provide personal\ninformation about you and your account that is necessary to provide you with the requested service(s).\n28. 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.\n29. 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.\nYour 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.\n\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0cAfter 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.\n\nDFLUZ5 (MXC503 CCM004)-e\n\n\x0c'