b'ForCredi\ntCardTi\nps\nFrom t\nheConsumer\nFi\nnanci\nalProt\nect\ni\non\nBureau\n\nTol\near\nnmor\neaboutt\nhef\nact\nor\nst\noconsi\nderwhenappl\nyi\nngf\nororusi\nngacr\nedi\nt\ncar\nd,vi\nsi\ntt\nhewebsi\nt\neoft\nheConsumer\nFi\nnanci\nalPr\not\nect\ni\nonBur\neauat\nht\nt\np:\n/\n/\nwww.\nconsumerf\ni\nnance.\ngov/\nl\nearnmore\n\n\x0cVISA CREDIT CARD AGREEMENT\nIn this Agreement the words "you" and "your" mean each and all of\nthose who agree to be bound by this Agreement; "Card" means the\nVISA credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "Account" means your VISA credit card\nline of credit account with the Credit Union, and "Credit Union" means\nthe Credit Union whose name appears on this Agreement or\nanyone to whom the Credit Union transfers this Agreement.\n1. Using Your Account. If you are approved for an Account, the\nCredit Union will establish a line of credit for you and notify you of\nyour credit limit. You agree that your credit limit is the maximum\namount (purchases, cash advances, finance charges, plus "other\ncharges") that you will have outstanding on your Account at any\ntime. Each payment you make to your Account will restore your credit\nlimit by the amount of the payment, unless you are over your credit\nlimit. If you are over your credit limit, you must pay the amount you\nare over before payments will begin to restore your credit limit. You\nmay request an increase in your credit limit only by a method\nacceptable to the Credit Union. The Credit Union has the right to\nreduce your credit limit, refuse to make an advance and/or\nterminate your Account at any time for any reason not prohibited by\nlaw.\n2. Using the VISA Card. You may use your Card to make purchases\nfrom merchants and others who accept VISA Cards. In addition, you\nmay obtain cash advances from the Credit Union and from other\nfinancial institutions that accept VISA Cards, and from some\nautomated teller machines (ATMs), (Not all ATMs accept VISA Cards.)\nTo obtain cash advances from an ATM, you must use the Personal\nIdentification Number (PIN) that is issued to you for use with your\nCard. You may use your Visa Card to conduct any transaction or\nobtain any credit union service permitted by law. You agree that the\nuse of the Visa Card to obtain a service or effect a transaction that is\nillegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this agreement. We\nmay terminate the access to the service or withdraw the right to use\nthe Visa Card and/or demand the return of all Visa Cards or other\naccess devices issued to you. If illegal use of your Visa Card occurs,\nyou waive the right to sue us and agree to indemnify and hold us\nharmless from any suits or other legal action or liability which may\nbe asserted, directly or indirectly, against us arising out of or\nresulting from the illegal use of the Visa Card.\n3. Responsibility. You agree to pay all charges (purchases and cash\nadvances) to your Account that are made by you or anyone whom\nyou authorize to use your Account. You also agree to pay all finance\ncharges and other charges added to your Account under the terms of\nthis Agreement or another agreement you made with the Credit Union.\nIf this is a joint Account, Section 17 below also applies to your\nAccount.\n4. Finance. A Finance Charge will be imposed on Credit Purchases\nonly if you elect not to pay the entire New Balance of purchases\nshown on your monthly statement for the previous billing cycle within\n25 days from the closing date of that statement. If you elect not to\npay the entire New Balance of purchases shown on your previous\nmonthly statement within that 25-day period, a Finance Charge will\nbe imposed on the unpaid average daily balance of such Credit\nPurchases from the previous statement closing date and on new\nCredit Purchases from the date of posting to your account during\n2002 \xc2\xa9ConmarSystems, Inc., Peachtree City, GA 30269 - CFS 13683\n\nthe current billing cycle, and will continue to accrue until the\nclosing date of the billing cycle preceding the date on which the\nentire New Balance of purchases is paid in full or until the date of\npayment if more than 25 days from the closing date.\nThe Finance Charge for a billing cycle is computed by applying a\nmonthly Periodic Rate as low as .8250% which corresponds to\nan ANNUAL PERCENTAGE RATE of 9.9%, up to our highest\ndaily periodic rate of 1.500%, which corresponds to an ANNUAL\nPERCENTAGE RATE of 18.0%. The ANNUAL PERCENTAGE\nRATE is based on Individual Credit Hisory. Your ANNUAL\nPERCENTAGE RATE will be disclosed to you when the card is\nissued. The monthly Periodic Rate is applied to the average daily\nbalance of Credit Purchases, which is determined by dividing the\nsum of the daily balances during the billing cycle by the number\nof days in the cycle. Each daily balance of Credit Purchases is\ndetermined by adding to the outstanding unpaid balance of Credit\nPurchases at the beginning of the billing cycle any new Credit\nPurchases posted to your account, and subtracting any payments\nas received and credits as posted to your account, but excluding\nany unpaid Finance Charges.\nA Finance Charge will be imposed on Cash Advances from the\ndate of the Cash Advance or from the first day of the billing cycle\nin which the Cash Advance is posted to your account, whichever\nis later, and will otherwise be calculated in the same manner as\nexplained above for Credit Purchases.\nIn addition to the Finance Charge calculated as described above,\na Finance Charge of $5.00 will be charged for each cash\nadvance that is added to your account.\n5. Other Charges. The following other charges (fees) will be\nadded to your Account, as applicable:\na) Annual Fee: You will be charged an annual fee of $15.00\non the first statement you receive after your account is\nopened. The fee will be charged each year until the\naccount is closed and paid in full.\nb) Over-the-Credit-Limit-Fee: You may be charged a fee of\n$25.00 on a statement date if your New Balance on that\ndate, minus any fees imposed during the cycle, is over the\ncredit limit. You will be charged the fee each subsequent\nmonth until your New Balance on the statement date, less\nany fees imposed during the cycle, is BELOW you credit\nlimit.\nc) Late Payment Fee: If you are 10 days or more late in\nmaking a payment, a late charge of $35.00 will be added to\nyour account.\nd) Return Payment Fee: If a check or share draft used to\nmake a payment on your account is returned unpaid, you\nwill be charged a fee, of $35.00 for each item returned.\ne) Card Replacement Fee: You will be charged $10.00 for\neach replacement card that you request.\nf) Document Copy Fee: You will be charged $5.00 for each\ncopy of a sales draft or statement that you request (except\nwhen the request is made in connection with a billing error\nmade by the credit union).\ng) Collection Costs: To the extent permitted by law, you will\nalso be required to pay the Credit Union\xe2\x80\x99s collection\nexpenses, including court costs and 15% attorney\xe2\x80\x99s fees if\nany sums owing hereunder are collected by or through an\nattorney-at-law.\n\n6. Payments. Each month you must pay at least the minimum\npayment shown on your statement by the date specified on the\nstatement or no later than 25 days from the statement closing date,\nwhichever is later. If your statement says the payment is "Now Due,"\nyour payment is due no later than 25 days from the statement\nclosing date. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in full. If you make\nextra or larger payments, you are still required to make at least the\nminimum payment each month your Account has a balance (other\nthan a credit balance). The minimum payment is 3% of your Total\nNew Balance, or $20.00 whichever is greater, plus the amount of\nany prior minimum payments that you have not made, and any\namount you are over your credit limit. The Credit Union also has the\nright to demand immediate payment of any amount by which you\nare over your credit limit.\n7. Payment Allocation. Subject to applicable law, your payments\nmay be applied to what you owe the Credit Union in any manner the\nCredit Union chooses.\n8. Security Interest. To secure your credit card account, you grant\nus a purchase money security interest in any goods you purchase\nthrough the account. If you default, we will have the right to recover\nany of these goods which have not been paid for. As a condition for\nthe approval of your credit card account you grant us a specific pledge\nof your Credit Union shares (deposits) and checking account(s),\nexcepting those accounts that would have an adverse tax\nconsequence if pledged as collateral. Collateral securing other loans\nyou have with the Credit Union may also secure this loan, except\nthat your home will never be considered as security for this Account\nnotwithstanding anything to the contrary in any other agreement.\nPLEDGE OF SHARE AND SHARE DRAFT (CHECKING)\nACCOUNT(S)\xe2\x80\x94NOTE: YOU PLEDGE TO US AND GRANT A\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE,\nTO SECURE YOUR CREDIT CARD ACCOUNT. YOU AUTHORIZE\nUS TO APPLY THE BALANCE IN THESE ACCOUNT(S) TO PAY\nANY AMOUNTS DUE UNDER THIS AGREEMENT IF YOU\nSHOULD DEFAULT.\n9. Default. You will be in default if you fail to make any minimum\npayment or other required payment by the date that it is due. You will\nbe in default if you break any promise you make under this\nAgreement. You will be in default if you die, file for bankruptcy or\nbecome insolvent, that is, unable to pay your obligations when they\nbecome due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You\nwill also be in default if something happens that the Credit Union\nbelieves may substantially reduce your ability to repay what you\nowe.\nWhen you are in default, the Credit Union has the right to demand\nimmediate payment of your full Account balance without giving you\nnotice. If immediate payment is demanded, you agree to continue\npaying finance charge, at the periodic rate charged before default,\nuntil what you owe has been paid, and any shares that were given\nas security for your Account may be applied towards what you owe.\n10. Unauthorized Use\xe2\x80\x94Lost/Stolen Card Notification. You have\nno liability for the unauthorized use of your card. If you believe your\ncard has been lost or stolen, notify the Credit Union by calling (706)\n434-1600, or (866) 422-8616.\n\n11. Changing or Terminating Your Account. The Credit Union may\nchange the terms of this Agreement from time to time. Notice of any\nchange will be given in accordance with applicable law. Use of your\nCard after receiving notice of a change will indicate your agreement\nto the change. If permitted by law and specified in the notice to you,\nthe change will apply to your existing Account balance as well as to\nfuture transactions.\nEither you or the Credit Union may terminate this Agreement at any\ntime, but termination by you or the Credit Union will not affect your\nobligation to pay the Account balance plus any finance and other\ncharges you owe under this Agreement. You are also responsible\nfor all transactions made to your Account after termination, unless\nthe transactions were unauthorized.\nThe Card or Cards you receive remain the property of the Credit\nUnion and you must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether\nby you or the Credit Union. The Credit Union has the right to require\nyou to pay your full Account balance at any time after your Account\nis terminated, whether it is terminated by you or the Credit Union. If\nthis is a joint Account, Section 17 of this Agreement also applies to\ntermination of the Account.\n12. Credit Information. You authorize the Credit Union to\ninvestigate your credit standing when opening or reviewing your\nAccount. You authorize the Credit Union to disclose information\nregarding your Account to credit bureaus and creditors who inquire\nabout your credit standing.\n13. Returns and Adjustments. Merchants and others who honor\nyour Card may give credit for returns or adjustments, and they will\ndo so by sending the Credit Union a credit slip which will be posted\nto your Account. If your credits and payments exceed what you owe\nthe Credit Union, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it\nwill be refunded upon your written request or automatically after six\nmonths.\n14. Additional Benefits/Card Enhancements. The Credit Union\nmay from time to time offer additional services to your Account, such\nas travel accident insurance, at no additional cost to you. You\nunderstand that the Credit Union is not obligated to offer such\nservices and may withdraw or change them at any time.\n15. Foreign Transactions. Purchases and cash advances made in\nforeign countries and foreign currencies will be billed to you in U.S.\ndollars. The conversion rate to U.S. dollars will be determined in\naccordance with the operating regulations established by VISA\nInternational. Currently the currency conversion rate used to\ndetermine the transaction amount in U.S. dollars is either a\ngovernment-mandated rate or the wholesale market rate in effect\none day prior to the transaction processing date, increased by\none-percent. The currency conversion rate used on the processing\ndate may differ from the rate that would have been used on the\npurchase date or cardholder statement posting date.\n16. Merchant Disputes. The Credit Union is not responsible for the\nrefusal of any merchant or financial institution to honor your Card.\nThe Credit Union is subject to claims and defenses (other than tort\nclaims) arising out of goods or services you purchase with the Card\nif you have made a good faith attempt but have been unable to obtain\nsatisfaction from the merchant or service provider, and (a) your\npurchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more\n\n\x0c'


b'Visa\n\n\xc2\xae\n\ncredit card\nagreement\n\n\x0c\x0cVisa\ncredit card\nagreement\n\n01\n\n\x0cVisa credit card agreement\nYour use of the United Nations Federal Credit Union (UNFCU) Visa\ncredit card and convenience checks is governed by this agreement.\nTherefore, you should read it thoroughly before you sign or use\nthe card or a convenience check. All transactions, fees, charges,\nand payments are due in US dollars. Your UNFCU Visa credit\ncard and convenience checks may not be used for any illegal\ntransactions. This agreement is subject to change without notice\nto you, except as otherwise provided by law.\n\nDefinitions\nIn this Visa credit card agreement, the word \xe2\x80\x9cagreement\xe2\x80\x9d refers\nto this Visa credit card agreement, the credit card rates sheet, and\nFees and Service Charges, which constitute the contract applicable\nto all transactions on your Visa account, even if the sales, cash\nadvance, or credit slips you sign contain different terms. The words\n\xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant to whom a UNFCU Visa\ncredit card is issued. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean the\nUnited Nations Federal Credit Union. The word \xe2\x80\x9ccard\xe2\x80\x9d refers to the\nUNFCU Visa credit card that was sent to you. \xe2\x80\x9cAccount\xe2\x80\x9d refers to\nyour Visa credit card account with us, including but not limited\nto your convenience checks.\n\nResponsibility\nThis agreement becomes effective once you sign, activate, or\nuse your UNFCU Visa credit card and/or convenience check or\nfail to return it within five business days. If you do not wish to\nbe bound by this agreement, do not use or activate the card.\nCut it in half, and return it to us immediately. Otherwise, this\nagreement will be deemed to have been accepted by you.\nIf you do sign the card, you should not use it after the expiration\ndate printed on the face of the card. You should not use any\nconvenience check after the expiration date printed on the\ncheck. Use of the account means that you agree to pay all\ndebts and finance charges arising from the use of the card and\nconvenience checks, and to be bound by all of the terms and\nconditions of this agreement. For example, you are responsible\nfor all charges made by you, your spouse, minors using this\naccount, and any other authorized cardholders or users.\n\n02\n\n\x0cVisa credit card agreement\n\nYou are also responsible for any charges made by anyone\nelse to whom you have given the card. You and any person\nwho signed the application for the account, or who accepts,\nsigns, or uses the card, or uses the account in any way, will\nbe jointly and severally liable for payment. This means that\nwe can enforce the entire payment obligation or any part\nthereof against any of you individually and/or as a group. This\nagreement will bind and benefit both parties to it: you and us.\nIt will also bind both parties\xe2\x80\x99 legal representatives, successors,\nand assigns (your legal representatives are those who have a\nlegal right to act for you, your successors are those who take\nyour place, and your assigns are those to whom you transfer\nyour rights and duties). Please note that you are not permitted\nto assign or transfer any rights under this agreement without\nfirst obtaining our consent in writing. Any transfer without our\nprior written consent is invalid.\n\nCredit line\nIf we approve your application, we will establish a credit line (the\ntotal of purchases and cash advances that you are permitted to\nhave outstanding on your account at any one time). We will notify\nyou of the amount upon card issuance. This does not create a\nloan commitment on our part. You agree not to let the account\nbalance exceed this approved credit line. Each payment you\nmake on the account will restore your credit line by the amount\nof the payment, which is applied to the principal. We reserve the\nright to amend your credit line at any time. By giving you written\nnotice, we may reduce your credit line or revoke your card and\nterminate this agreement. We may take these actions if you are\nin default, if you exceed your credit limit, if your creditworthiness\nchanges adversely, or if you fail to comply with this agreement\nin any way, upon your failure to make any loan payment when\ndue on any loan with UNFCU; if you have made or do make any\nfalse or misleading statements in furnishing financial and other\ninformation to UNFCU; or if any attachment, execution, or other\nlegal process is issued against any of your property. If you wish\nto increase your credit line, you must submit an application to\nus for approval. You may at any time terminate this agreement.\nHowever, termination by either you or us does not affect your\nobligation to pay the balance. Any card(s) we issue to you shall\nremain our property, and you must recover and surrender all\ncards to us upon termination of this agreement by either party.\nYou may not transfer loan balances to this account from other\naccounts with us.\n\n03\n\n\x0cRenewal of card\nFor your protection, your Visa credit card is issued with an\nexpiration date. Upon expiration of your Visa credit card, if your\naccount is active and in good standing, we may automatically\nissue you a renewal card. We may choose not to issue a renewal\ncard if your account is not in good standing or if UNFCU has\nother grounds for termination pursuant to applicable law and this\nagreement. Furthermore, UNFCU reserves the right to terminate\nor not renew your credit card if there is excessive fraud or abuse\nof your account privileges or if you fail to comply with the terms\nof this agreement.\n\nMonthly statement\nWe will send you a statement each month when there is an\nexisting balance or any activity on your account. The monthly\nstatement will show your previous balance of purchases and\ncash advances. It will also show the current transactions on\nyour account, the remaining credit available under your credit\nline, the new balance of purchases and cash advances, the total\nnew balance, the finance charge due to date, and the minimum\npayment due. Every month, you must pay at least the minimum\npayment due. You may pay the total amount you owe (total new\nbalance) or any portion of it, provided you pay us the minimum\npayment due. The minimum payment will be either 1) 2.00%\nof the total new balance or 2) $25.00, whichever is greater,\nplus 3) any past due amount(s) shown on previous statement(s),\nplus 4) any amount over the credit limit exceeding past due\namounts. From time to time, we may offer certain program\nand/or promotions, which may reduce the required minimum\npayment. You may at any time pay the total indebtedness of\nthis agreement. If at any time your total new balance exceeds\nyour credit line, you must immediately pay the excess. Your total\npayment (including the minimum amount and any excess) will\nbe applied to the balance with the highest Annual Percentage\nRate (APR) first, then down to the balance with the lowest APR.\nRefunds of excess credit balances will be posted to your UNFCU\nsavings account. If you obtain a refund, adjustment, or credit on\na purchase made with your card, you will receive a credit to your\nVisa credit card account, not cash.\n\nGrace period\nYour grace period for the repayment of purchase balances\nis 25 days. You have no grace period for cash advance balances,\nconvenience checks, or balance transfers. Balance transfers\nare processed as cash advance transactions. Finance charges\naccrue beginning on the cash advance transaction date.\n\n04\n\n\x0cVisa credit card agreement\n\nSecurity interest and right of offset\nIn consideration for UNFCU issuing a Visa credit card to\nyou, you consent to our right to offset any account payment\ndelinquency with funds in any of your UNFCU accounts and\nthat UNFCU will have a security interest in any shares and\ndeposits in all joint and individual accounts that you and/or\nany other person, who is jointly and severally liable under this\nagreement, have with UNFCU now and in the future. This does\nnot restrict your rights vis-\xc3\xa0-vis your accounts and is not a pledge\nby you of the account. Any exercise of this right by us is not\nan election of remedies. Shares and deposits in an Individual\nRetirement Account (IRA) and any other account that would\nlose special tax treatment under state or federal law if given as\nsecurity, are not subject to the security interest you have given\nin your shares and deposits. Property given as security for any\nother loan may secure all amounts you owe UNFCU now and in\nthe future.\n\nInternational transactions\nInternational transactions include any transaction that you\nmake in a foreign currency or that you make outside of the US\neven if it is made in US dollars. Purchases and cash advances\nmade in non-US dollars will be billed in US dollars. Visa converts\nnon-US dollars into US dollars according to a wholesale market\nrate or government mandated rate in effect on the transaction\nposting date. Visa imposes an international service assessment\n(ISA) fee, also known as a foreign transaction fee, on all\ninternational transactions. This fee will appear on the billing\nstatement of any UNFCU credit card to which it applies.\nPlease visit www.unfcu.org/cards to see which cards incur a\nforeign transaction fee and to access the latest rates. UNFCU\ndoes not impose any additional fees of its own for international\ntransactions but reserves the right to do so in the future.\n\nUNFCU Visa credit card convenience checks\nVisa credit card convenience checks are a means to access\nyour Visa line of credit but are not considered Visa transactions.\nTherefore, purchases and payments made using a convenience\ncheck are not subject to the benefits described in the Visa Card\nGuide to Benefits (including, but not limited to, price protection\nand other chargeback protections afforded to Visa credit card\ntransactions). Likewise, if you have a dispute with a creditor and\npay the balance with a convenience check, you may lose certain\ndispute rights. You or an authorized user may use UNFCU Visa\ncredit card convenience checks issued to you only in the form\nwe issue them, and only if they bear your or an authorized user\xe2\x80\x99s\nname and the account number that is on the card. UNFCU Visa\n05\n\n\x0ccredit card convenience checks are processed as cash advance\ntransactions. Transactions will begin to accrue interest the date\nthat the transaction posts. There is no grace period for cash\nadvance transactions. To use a convenience check, you must\ncomplete and sign it in the same way you would a regular\npersonal check. If the total amount you request exceeds your\ncredit line, we may either send full or partial payment to your\ncreditors in the order you provide them to us or we may send\nyou additional convenience checks, at our option. You cannot use\na convenience check to pay any amount you owe UNFCU or any\nof its affiliates. We have no obligation to pay a convenience check\nif you have breached any of the terms of this card agreement;\nyour account is past due, overlimit, or in default; your check posts\nafter the void date indicated on the check; your account was not\nactivated upon your receipt of your card; your right to use the\ncard has been revoked or terminated; or if the card is expired\nor reported as lost or stolen. We will have no responsibility or\nliability to you if we do not pay a convenience check for any of\nthose reasons, or if we pay post-dated convenience checks, or,\nif by reason of payment of any post-dated convenience check,\n(even if we are not obligated to pay for any of the reasons stated\nabove) a cash advance results. In the event we do not pay a\nconvenience check for the reasons stated above and the check\nis returned, you will be assessed a returned convenience check\nfee. Please refer to the Fees and Service Charges for further\ninformation, available on www.unfcu.org, or by calling or writing\nusing the contact information at the end of this booklet. This fee\nwill be posted to your account and be subject to finance charges.\nPaid convenience checks will not be returned to you with your\nstatement. Convenience checks cannot be used until your\naccount has been activated. Your use or retention of the card\nand/or convenience checks indicates your acceptance and intent\nto be bound by the terms and conditions of this agreement.\n\nAuthorizations\nWe are not responsible for the refusal by a merchant or financial\ninstitution to honor your card or convenience checks. Except as\notherwise required by applicable law or regulation, merchandise\nor services purchased or leased through use of your account on\na non-refundable basis at your discretion may not be disputed\nfor unsatisfactory performance. Although you may have credit\navailable, we may be unable to authorize credit for a particular\ntransaction due to operational difficulties or if we suspect fraud\nor unlawful activity. If your account is over limit or delinquent, or\nif you are in default under this agreement, authorizations of credit\nfor transactions may be declined.\n\n06\n\n\x0cVisa credit card agreement\n\nProtecting your account\nWe take fraud prevention very seriously and have implemented\ncertain fraud detection systems to help protect your UNFCU\nVisa credit card from fraudulent activity. This detection system\nwill monitor your card transactions and detect usage, which\ndiffers from your ordinary spending patterns. If we detect\npotential fraud, you may receive an inquiry from us regarding\nthe account. In certain circumstances, we may block the account\nto investigate possible fraud. If we decide to block the account,\nwe will not be liable to you for any damages suffered because\nof the blocking. This added fraud protection feature is provided at\nno cost to you and does not affect the way your card transactions\nare processed. This is a precautionary measure to protect both\nyou and us.\n\nDefault and early termination\nYou are in default if you fail to make any minimum payment by\nthe payment due date shown on your monthly statement. A late\npayment fee will be assessed on your account each time you fail\nto make the minimum monthly payment by the payment due\ndate. This fee will be posted to your account balance and be\nsubject to finance charges. Please refer to the Fees and Service\nCharges for further information, available on www.unfcu.org, or by\ncalling or writing using the contact information at the end of this\nbooklet. You will also be in default if you provide false information\non your application, exceed your credit limit, fail to comply with any\nterm or condition of this agreement or any other agreement that\nyou make concerning your account, fail to provide us with updated\nfinancial information if requested, if any government authority\ntakes action which UNFCU believes adversely affects your financial\ncondition or ability to repay, if you withdraw or transfer from your\nshare accounts any funds pledged under this agreement, or if you\nfile a bankruptcy petition, a bankruptcy petition is filed against you,\nyou make a general assignment for the benefit of creditors or if\nany of the cardholders dies. If you are in default, use of the card\n(which at all times remains our property) must end immediately,\nand we may, at our option, demand immediate payment of the\nentire amount you owe us. This amount will include any amounts\nnot yet billed to you and any finance charge or other fee earned\nby us, without giving you notice. In any event, we may demand\nimmediate and complete payment at any time without cause,\nunless otherwise provided by applicable law. In the event of\ndefault, you are required to cut the card in half and return it to us.\nTo the extent permitted by law, you will also be required to pay our\ncollections expenses including court costs and reasonable attorney\nfees. We can accept late or partial payments, or checks and\n\n07\n\n\x0cmoney orders, marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d or language having the same\nintent, without losing any of our rights under this agreement.\n\nInactive accounts\nWe reserve the right to close your account if it has been inactive for\nat least 120 days. This is to protect your account from fraudulent\nuse. We will advise you by letter prior to closing and may give you\nthe opportunity to re-activate your account.\n\nPreauthorized charges\nIf you default, if your card, convenience check, or PIN is lost or\nstolen or we change your account or account number for any\nreason, we may suspend automatic charges on that account to\nthird party vendors of other goods or services. If preauthorized\ncharges are suspended, you must contact the third party vendor to\nreinstate them. You are responsible for making direct payment\nfor such charges until you reinstate automatic charges.\n\nFinance charges calculation\nFinance charges are calculated by multiplying the average daily\nbalance by the monthly periodic rate as described in the section of\nthis agreement titled APR. This is known as the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d method. The average daily balance is determined by\ndividing the sum of the closing daily balances for each day during\nthe billing cycle by the number of days in the billing cycle.\nNo finance charges will be incurred with respect to purchases or\nother charges (except cash advances, convenience checks, and\nbalance transfers) during the billing cycle in which they are debited\nfrom the account if the previous balance is zero or shows a credit\ndue to the member, or if the total amount credited during the\nbilling cycle, as shown on the billing statement, equals or exceeds\nthe previous balance. Finance charges will be calculated on the\ntotal purchase balance unless full payment is received within the\ngrace period. Finance charges on cash advances, convenience\nchecks, and balance transfers accrue from the date the transaction\nposts to the account. There is no grace period for cash advances,\nconvenience checks, or balance transfers.\n\n08\n\n\x0cVisa credit card agreement\n\nCredit information\nYou agree that we may request consumer credit reports from\none or more credit reporting agencies when opening, renewing,\nreviewing, or administering your account. You also authorize us\nto exchange credit information concerning you or your account\nwith (and answer questions and requests from) others, such as\nmerchants and credit reporting agencies, concerning your credit\nhistory with us.\n\nPersonal identification number\nWe will issue a personal identification number (PIN) to you.\nThis PIN will allow you to make cash withdrawals and purchases\nat payment terminals compatible with chip and PIN credit cards.\nYour PIN is your secret code. You agree not to disclose your PIN\nto anyone and to notify us immediately if you believe your PIN has\nbeen stolen.\n\nLiability for unauthorized use\nIf your card(s), convenience check(s) or personal identification\nnumber (PIN) is lost or stolen, or if you believe someone may be\nusing your account without your permission, you must notify\nus immediately. You may contact us by writing to: UNFCU\nCourt Square Place, 24-01 44th Road, Long Island City, NY\n11101, USA, or by calling us at +1 347-686-6000, or toll-free\nwithin the US/Canada at 1-800-891-2471. We may terminate or\nlimit access to your account if you have notified us or we have\ndetermined that your card, convenience checks and/or PIN may\nhave been lost or stolen, or that there may be unauthorized access\nto your account. You may be liable if there is unauthorized use\nbefore your notice to us. In general, your liability for unauthorized\nuse of your card before your notice to us will not exceed $50.00.\nThe $50.00 limit does not apply for convenience checks and cash\nadvances. You will not be liable for any unauthorized use of your\ncard that occurs after you notify us. If you fail to notify us within\n60 days from the date a statement was first transmitted to you\nthat included an unauthorized charge, you may not be reimbursed\nfor unauthorized transactions that occurred. Failure to promptly\nnotify UNFCU of unauthorized use may also result in the closing\nof your account. We may terminate or limit access to your account\nif you have notified us or we have determined that your card,\nconvenience checks and/or PIN may have been lost or stolen, or\nthat there may be unauthorized access to your account.\n\n09\n\n\x0cInquiries or questions\nYou may address any inquiries or questions that you have about\nyour account to UNFCU Court Square Place, 24-01 44th Road,\nLong Island City, NY 11101, USA. Additionally, you can call\nus at +1 347-686-6000 or toll-free within the US/Canada at\n1-800-891-2471. Outside the US and Canada use one of the\ntoll-free numbers listed on www.unfcu.org/tollfree. If you\ntelephone us instead of writing, you may lose certain rights\nthe law gives you to dispute billing errors (see Your Billing\nRights section).\n\nAdditional payment information\nPayments accompanied by a payment stub, received at\nNew York branches and payment made through Digital Banking,\nMondays through Fridays excluding UNFCU holidays, will be\nposted on the day of receipt provided it is received by 17:00\nEastern Standard Time. Although payment made elsewhere\nmay not be posted on the day of receipt, it will be posted\nwithin five business days thereafter. Cash payments may be\nmade at the branches only. For your security, please do not\nmail in cash payments. Check payments should be mailed\nwith a payment stub to UNFCU Payment Processing Center\nP.O. Box 9307 Des Moines, IA 50306-9307. Automatic payments\nthat cannot be processed due to insufficient funds in your\ndesignated UNFCU savings or checking account will result in\nan insufficient fund (NSF) fee, as listed on the UNFCU Fees and\nService Charges.\n\nVerification of identity\nDue to recently passed legislation to combat identity theft,\nyou may experience delays in receiving an additional and/\nor replacement credit card if you recently changed your\naddress or even if postal mail we sent to you was returned as\nundeliverable. In some cases, you will be asked to provide us\nwith additional information and documentation so that we can\nverify your identity before issuing an additional or replacement\ncard. These measures are to protect you from identity theft.\n\nHow one section of this agreement\naffects another\nAny section of this agreement that becomes invalid or\nunenforceable under any law, rule, or regulation of any federal,\nstate, or local government agency will not in any way affect\nany other part of this agreement.\n\n10\n\n\x0cVisa credit card agreement\n\nDelay in enforcing our rights\nWe can delay enforcing our rights under this agreement without\nlosing them.\n\nApplicable law\nThe laws of the United States of America and the State of New\nYork apply to this agreement and to the use of your UNFCU\nVisa credit card convenience checks, and your account.\n\nAmendments\nWe may amend this agreement, from time to time without prior\nnotice to you, unless otherwise provided by applicable law or\nregulation. If we notify you of a change you do not agree to, you\nmust notify us in writing and send us the card if you wish to cancel\nyour account. Your failure to return the card within five business\ndays of the effective date of the amendment, or your use of the\ncard thereafter, will indicate your agreement to the amendments.\nTo the extent permitted by law, amendments may apply to your\nexisting account balance as well as future transactions.\n\nMiscellaneous\nA microfilm or other photographic copy of any sales slip or similar\nform showing a purchase, credit voucher, or cash advance order,\nas well as any electronic data made on the basis of the card,\nwill establish the amount you owe us. You agree to reimburse\nus for any costs that we incur in providing you with microfilm\nor photographic copies of any sales slip; cash advance order,\ncredit voucher, or similar form including electronic data that is not\nrequired to be provided to you by law. You agree to give us at least\n10 business days prior notice of any change in your mailing\naddress. You also agree to notify us immediately in writing if you\nchange your name, place of employment, or home address.\n\n11\n\n\x0cYour billing rights:\nKeep this document for future use\nThis notice tells you about your rights and our responsibilities\nunder 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:\nUNFCU\nCourt Square Place, 24-01 44th Road\nLong Island City, NY 11101, USA\nAttention: Card Services Department\nOr email us at: email@unfcu.com\nIn your letter, or email, please include the following information:\n\xe2\x80\xa2 \x07Account information: Your name, member number, and/or\naccount number.\n\xe2\x80\xa2 \x07Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 \x07Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 calendar days after we sent the first statement on\nwhich the problem or error appeared.\n\xe2\x80\xa2 At least three business days before an automated payment\nis 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 via email.\nYou may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\nWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe 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\nyou as delinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\n12\n\n\x0cVisa credit card agreement\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\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 \x07If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50.00 of the amount you question even if your\nbill is correct.\nYour rights if you are dissatisfied with your credit card\npurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n2. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing or via email at:\nUNFCU\nCourt Square Place, 24-01 44th Road\nLong Island City, NY 11101, USA\nAttention: Card Services Department\nemail@unfcu.com\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will inform\nyou of our decision. At that point, if we determine that you owe an\namount and you do not pay, we may report you as delinquent.\n\n13\n\n\x0cAnnual percentage rate (APR)\nFor new Visa accounts, an introductory APR will be established\non the date your account is opened and remain in effect for the\nnext six billing cycles. After your sixth billing cycle, your APR is\nsubject to change based on the Prime Rate as published in\nThe Wall Street Journal on the last day of the preceding month plus\na margin. If there is more than one Prime Rate published for\nthe last day of the month, we will use the highest one published.\nFor Visa Azure cards, the margin that is used to determine your\nAPR is 7.65%. For Visa Elite cards, the margin that is used to\ndetermine your APR is 6.65%. For current rates, please visit\nwww.unfcu.org.\n\nAnnual fee\nFor Visa Azure credit card accounts, there is no annual fee. For\nVisa Elite accounts, there is an annual fee of $50.00. The annual\nfee will be posted to your account on your first billing cycle and\non each subsequent 12 month anniversary of your first billing\ncycle. The annual fee will be posted to your account balance and\nbe subject to finance charges. UNFCU does not charge a fee for\nissuing your Visa card. However, for any Visa account in which a\ncredit card, whether issued in the name of the account holder\nor an authorized user, has been replaced two times, there is a\nre-issuance fee of $20.00 for each subsequent replacement.\n\nATM safety\nPlease take appropriate precautions when using ATMs. For tips\non ATM safety, see your UNFCU Membership and Accounts\nagreement.\nTM\n\nPriority Pass\n\nSelect use and limitations\n\nVisa Elite credit cardholders who are 21 years of age or older may\nbe issued a Priority Pass Select card. The fee for visiting a Priority\nPass Select lounge is determined by Priority Pass Select, and will\nbe charged to your UNFCU Visa Elite credit card. This transaction\nwill be posted as a debit to the purchase balance and is subject to\nfinance charges. When you use your UNFCU Visa Elite credit card to\npurchase airline tickets, UNFCU will pay for up to five Priority Pass\nSelect visits per year, per Visa Elite account. After the first five visits,\na lounge visit fee of $32.00 per person, per visit will be charged to\nyour UNFCU Visa Elite credit card. Annual membership for additional\n\n14\n\n\x0cVisa credit card agreement\n\nPriority Pass Select cards on your UNFCU Visa Elite credit card is free.\nUnused lounge visits expire each year and do not carry over to future\nyears. Lost or stolen Priority Pass Select cards must be immediately\nreported to Priority Pass Select by calling 1-800-352-2834 within\nwithin the US/Canada or Mexico. Outside the USA, please call\n1-972-735-0536. Priority Pass Select airport lounge locations,\nprices, and terms and conditions are subject to change without\nnotice. Please visit www.prioritypass.com for current locations\nand information.\n\nVisa credit card rewards program limitations\nUNFCU provides a Visa rewards program which cardholders\ncan enjoy by redeeming the reward points accumulated for\npurchases made with the Visa credit card. Visa reward points\nare not accumulated for cash advances, convenience checks,\nor balance transfers. Visa reward points or credits may have\nno monetary value and may only be used as specified on the\ncredit card rewards website, accessible through Digital Banking.\nYou understand and agree that any rewards program or credits\nwill be forfeited immediately upon closure of the account by\nyou or us and may also be forfeited if you are in default. Reward\npoints are subject to expiration after which time they are\nforfeited. The expiration date will be disclosed on your monthly\nstatement. Forfeited points will not be reinstated. We may,\nat any time and subject to applicable law, change any term\nor condition, or add any term or condition, to any credit card\nrewards program without notice to you. To redeem or learn more\nabout the rewards program benefits, log in to Digital Banking.\n\n15\n\n\x0cContact Us\nContact a member service representative for assistance with\nany of your financial requests.\n\nEmail: Send your request to email@unfcu.com.\nTelephone 1: Call +1 347-686-6000 or use a toll free number from\ninternational locations listed on www.unfcu.org/tollfree.\n\nWebChat: Instantly communicate with a member service\nrepresentative by clicking on the UNFCU WebChat link located\nonline at www.unfcu.org/contact..\n\nFacsimile: +1 347-686-6400\nPostal mail:\nUnited Nations Federal Credit Union\nCourt Square Place, 24-01 44th Road\nLong Island City, NY 11101, USA\nAttention: Member Directed Services\nTelephone numbers are subject to change without prior notice.\nFor a complete up-to-date listing, visit www.unfcu.org.\n\n1\x07\n\n\x0cVisit UNFCU:\nPlease go to www.unfcu.org for the addresses and hours of\noperations for each of our locations.\nWe have branches in the US:\n\xe2\x80\xa2 New York City\n\xe2\x80\xa2 Washington, DC\nWe have representative offices in Europe and Africa:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nEntebbe, Uganda\nGeneva, Switzerland\nNairobi, Kenya\nRome, Italy\nVienna, Austria\n\n\x0cserving the people who serve the world \xc2\xae\n\nUnited Nations Federal Credit Union\nCourt Square Place, 24-01 44th Road\nLong Island City, NY 11101, USA\n+1 347-686-6000\nwww.unfcu.org\nemail@unfcu.com\n\xc2\xa9 2020 UNFCU and \xe2\x80\x98serving the people who serve the world\xe2\x80\x99\nare registered marks of United Nations Federal Credit Union.\nAll rights reserved. 01/2020\nG-13915\n\nUNFCU Cardholder Agreement\n\n\x0c'


b'Target Credit Card\nAgreement\nThis Agreement explains the terms that you agree\nto follow for your Target Credit Card Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d). Your signature on your application or\nsolicitation for this Account, including without\nlimitation any electronic or digital signature, as\nwell as your signature on sales slips or any\nAccount-related document, represents your\nsignature on this Agreement. The card carrier that\naccompanied your Target Credit Card is part of this\nAgreement. In this Agreement \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d\nand \xe2\x80\x9cTD Bank\xe2\x80\x9d mean TD Bank USA, N.A., a\nnational bank with its main office located in\nDelaware, and its successors and assigns, which is\nthe issuer of the Target Credit Card. \xe2\x80\x9cYou\xe2\x80\x9d and\n\xe2\x80\x9cyour\xe2\x80\x9d mean everyone who is liable for payment\non this Account. \xe2\x80\x9cCard\xe2\x80\x9d refers to your Target\nCredit Card. \xe2\x80\x9cTarget\xe2\x80\x9d means Target Corporation\nand its affiliates. "PIN" refers to the personal\nidentification number associated with your Card\nand any other personal identification number you\nuse to authorize a purchase using the Card,\nincluding any PIN or password that you use to\naccess any mobile wallet where you store your\nCard number. You understand that TD Bank USA,\nN.A. is the issuer and Target has the right to service\naccounts and collect on TD Bank\xe2\x80\x99s behalf.\n1. USE OF YOUR ACCOUNT - When you apply\nfor an Account, you promise to be bound by the\nterms of this Agreement. You promise to pay us for\nall credit extended under this Agreement and all\nother amounts you owe to us according to the terms\nof this Agreement. If the Account is a joint\nAccount, each of you is bound by this Agreement\nand each of you jointly and individually promises\nto pay us, and may be held liable for, all amounts\n\nTD TC161965 (R04.20)\n\nowed to us on your Account. You also promise to\npay us for charges incurred by anyone you allow to\nuse your Account. If you give your Card to\nsomeone and authorize their use of the Card, you\nmust regain possession to terminate their\nauthorized use. This Account may be used only for\npersonal, family or household purposes. You agree\nthat you will not use or allow use of your Card or\nAccount for any illegal transaction or purpose.\nYou may only use your Card to make purchases of\ngoods and services (\xe2\x80\x9cPurchase(s)\xe2\x80\x9d) at Target stores\nlocated in the United States and from the\nTarget.com website. You may be required to enter\nyour PIN to complete a transaction. You will\nsafeguard your Card and all PINs to prevent\nunauthorized use.\n2. CREDIT LIMIT - You agree that we may\nestablish a credit limit for your Account (\xe2\x80\x9cCredit\nLimit\xe2\x80\x9d). You agree that we may change a Credit\nLimit at any time for any reason not prohibited by\nlaw, including, but not limited to, changes in your\ncredit capacity, your pattern of payments to us, or\nyour purchasing behavior. We may also change a\nCredit Limit based on any information provided to\nus by a consumer reporting agency, including your\nrisk score at the consumer reporting agency or\ninformation about credit accounts you have with\nother companies. We may, but are not required to,\napprove transactions that exceed your Credit Limit\nwithout liability to you and without obligating us\nto do so in the future. You agree to prevent your\nAccount balance from exceeding the Credit Limit.\n3. SPECIAL PROMOTIONS - Occasionally,\nyou may be provided the opportunity to use your\nCard or Account in connection with special\npromotions. These promotions may be subject to\nterms and conditions in addition to or different\n\nfrom those provided in this Agreement, which will\nbe described in the special promotion offer. Unless\notherwise stated, however, all terms of this\nAgreement shall apply to any special promotion.\n4. PAYMENTS - We will send you a billing\nstatement each month that your Account has a\nbalance. Your billing statement will show the\namount you owe us, which is called the New\nBalance, and the smallest amount you have agreed\nto pay us for that billing period, which is called the\nMinimum Payment Due. If any portion of the New\nBalance is delinquent, the statement will show the\nAmount Past Due. The statement will also tell you\nthe Payment Due Date.\nThe Minimum Payment Due each month will equal\nthe greater of a) $29.00; or b) the sum of the\nfollowing: 1% of your New Balance (rounded to\nthe next higher whole dollar amount), any Interest\nCharges, any Returned Payment Fees, and any Late\nPayment Fees. We may round your Minimum\nPayment Due to the next higher whole dollar\namount. If there is an Amount Past Due, we will\nalso add that amount and include it in your\nMinimum Payment Due. If your New Balance is\nless than $29.00, the Minimum Payment Due will\nbe the entire New Balance.\nYour minimum payments will be allocated in our\ndiscretion. Payments in excess of the minimum\npayment will be allocated in accordance with\napplicable law.\nYou agree to pay us in United States dollars. If you\npay by check, your check must be drawn on a\ndepository institution located in the United States.\nIf you do not pay the New Balance in full, you\nagree to pay by your Payment Due Date at least the\nMinimum Payment Due. You may, at any time, pay\n\n\x0cthe total amount owing on your Account. Payments\nare posted to your Account in a timely manner as\nrequired by law. However, we may delay restoring\nyour available Credit Limit in the amount of the\npayment to make sure we receive the funds.\nAt our option, we may obtain payment for any\ncheck or other instrument that you send to us by\ninitiating an electronic (including Automated\nClearing House) transfer from your depository\ninstitution account in the amount of your check or\ninstrument. Your check or instrument will not be\nreturned to you by us or by your depository\ninstitution. Your depository institution account\nmay be debited as early as the same day we receive\nyour payment. If we cannot process the electronic\ntransfer or if the electronic transfer is returned to\nus, we may present the original check or other\ninstrument, a substitute check, draft or similar\ninstrument to obtain payment.\n5. UNAUTHORIZED USE - If you notice the loss\nor theft of your Card or PIN, or a possible\nunauthorized use of your Card or PIN, you should\nwrite to us immediately at:\nTarget Card Services\nP.O. Box 1581\nMinneapolis, MN 55440-1581\nOr call us at: 1-800-659-2396\nIf you notify us by telephone, you agree to confirm\nyour notification in writing. You are not liable for\nunauthorized use of the Account. You agree to\nassist us in determining the facts relating to any\ntheft or possible unauthorized use of your Account\nand to comply with the procedures we may require\nfor our investigation. All Cards are issued by us to\nyou and you must return or destroy your Card if we\nrequest you to do so.\n\nTD TC161965 (R04.20)\n\n6. CREDIT AUTHORIZATIONS - Some\ntransactions will require our prior authorization\nand you may be asked to provide identification. If\nour authorization system is not working, we may\nnot be able to authorize a transaction. We will not\nbe liable to you if any of these events happen or for\nany failure to authorize a transaction. We are also\nnot responsible for the refusal of anyone to accept\nyour Card.\n\nPayment Due and the amount of Interest Charges\non your Account may also increase.\n\n7. INTEREST CHARGES \xe2\x80\xa2 ANNUAL PERCENTAGE RATE \xe2\x80\x94 Your\nAnnual Percentage Rate and corresponding Daily\nPeriodic Rate may vary with changes in the Prime\nRate. If you received a temporary card for your\nAccount, the Annual Percentage Rate and the Daily\nPeriodic Rate applicable to your Account are noted\non it. The temporary card is a part of this\nAgreement. The card carrier sent with your Card\nalso tells you the Annual Percentage Rate and\nDaily Periodic Rate applicable to your Account\nand is a part of this Agreement. If the Prime Rate\nchanges, the Annual Percentage Rate shown on the\ncard carrier and your billing statement may be\ndifferent than those disclosed on your temporary\ncard.\n\n\xe2\x80\xa2 BALANCE COMPUTATION AND PAYING\nINTEREST CHARGES - We calculate a Daily\nBalance for your Account. We may maintain\nseparate balances for your Purchases and special\npromotional Purchase balances (each, a \xe2\x80\x9cBalance\nType\xe2\x80\x9d) and calculate a Daily Balance for each. To\ndetermine the Daily Balance for a Balance Type,\neach day we take the beginning balance for the\nBalance Type, add any new charges included in\nthat Balance Type, and subtract any payments and\ncredits applied to that Balance Type. We then\nmultiply the resulting balance by the applicable\nDaily Periodic Rate. The resulting daily Interest\nCharge is included in the beginning balance of that\nBalance Type for the next day. Purchases are\nincluded in the Daily Balance as of the later of the\ntransaction date or the first day of the billing period\nin which the Purchase is posted to the Account.\nFees are included in the Daily Balance of\nPurchases when posted to the Account.\n\nThe Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and\ncorresponding Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d) will be\ndetermined by adding a margin to the Prime Rate.\nThe \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the highest U.S. Prime\nRate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of\nThe Wall Street Journal. For each billing period we\nlook at the Prime Rate on the last business day of\nthe previous calendar month. Any change in the\nAPR and corresponding DPR will take effect on\nthe first day of the billing period. Your rate may\nincrease when the Prime Rate increases. If the APR\nand corresponding DPR increase, the Minimum\n\n\xe2\x80\xa2 PURCHASES - The APR for Purchases is\ndetermined by adding to the Prime Rate a margin\nof 19.65%. Please see the Pricing Information for\nthe APR and corresponding DPR that was in effect\nwithin the last 60 days from your request of this\nagreement.\n\nWe figure the Interest Charge on your Account for\neach Balance Type by multiplying your Daily\nBalance of each Balance Type by the applicable\nDaily Periodic rate for each day in the billing cycle.\nAt the end of the billing period, we will add up the\ndaily Interest Charges on all Balance Types for\neach day in the billing period to get the total\nInterest Charge for the billing period.\n\n\x0cInterest Charges begin to accrue on Purchases as of\nthe day the Purchase is included in the Daily\nBalance. However, if you paid the New Balance\nthat was shown on your previous billing statement\nby the Payment Due Date on that statement, then\n(1) we will not impose Interest Charges on\nPurchases during your current billing period if you\npay the New Balance shown on your current billing\nstatement by the Payment Due Date on that\nstatement, and (2) we will credit any payment (to\nthe extent the payment is applied toward\nPurchases) as of the first day in your current billing\nperiod if you make a payment by the Payment Due\nDate that is less than the current billing period\xe2\x80\x99s\nNew Balance.\nIf a New Balance was shown on your previous\nbilling statement and you did not pay the New\nBalance by the Payment Due Date on that\nstatement, then we will not impose Interest\nCharges on any Purchases during the current\nbilling period if you pay the New Balance shown\non your current billing statement by the Payment\nDue Date on that statement.\nPlease note that if your Account has a promotional\nbalance, this may impact how we are required to\napply your payments and whether you can take\nadvantage of these terms regarding Interest\nCharges on Purchases.\n\xef\x82\xb7 MINIMUM CHARGE FOR BILLING\nPERIOD - For any billing period in which an\nInterest Charge is imposed on your Account, there\nis a minimum interest charge of $1.00.\n8. FEES - The following fees may be assessed on\nyour Account.\n\nTD TC161965 (R04.20)\n\n\xe2\x80\xa2 LATE PAYMENT FEE - You will pay a Late\nPayment Fee of $29.00 when any amount due\nremains unpaid after your Payment Due Date. Any\nsubsequent Late Payment Fees will be $40.00 until\nyou make your required Minimum Payment Due\nby the Payment Due Date for six consecutive\nbilling periods. In any event, the Late Payment Fee\nwill not be greater than your Minimum Payment\nDue for the billing period for which your payment\nwas late.\n\xe2\x80\xa2 RETURNED PAYMENT FEE - You will pay\n$29.00 each time any check or other payment order\n(including an electronic payment) is not honored\nby a depository institution. In any event, the\nReturned Payment Fee will not be greater than the\nMinimum Payment Due that was due immediately\nprior to the date on which the payment was\nreturned to us.\n\xe2\x80\xa2 EXPEDITED DELIVERY FEE - At your request,\nwe will expedite the delivery of an additional or\nreplacement Card for your Account. You may be\nrequired to reimburse us up to $25.00 for delivery\nand other charges imposed on us by third parties\nfor this expedited service.\n\xe2\x80\xa2 DOCUMENTATION REPRODUCTION FEE You may be charged $2.00 for each duplicate\nAccount document we reproduce for you at your\nrequest, in accordance with applicable law. We will\nnot charge you for duplicate documents we\nreproduce for you in connection with a billing error\nnotice or if our investigation indicates a billing\nerror occurred.\n9. ACCORD AND SATISFACTION - We may\naccept letters, checks or other types of payments\nshowing \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language\nto indicate satisfaction of your debt (\xe2\x80\x9cDisputed\n\nAmounts\xe2\x80\x9d) without waiving any of our rights to\nreceive full payment under the terms of this\nAgreement. You agree to send any Disputed\nAmounts to the address for billing inquiries shown\non your billing statement.\n10. CONSUMER REPORT USE AND\nFURNISHING INFORMATION - We may\ncheck information about you, your credit history,\nor your salary and employment with consumer\nreporting agencies, including credit bureaus, or\nothers. We may report information about your\nAccount to credit bureaus. Late payments, missed\npayments, or other defaults on your Account may\nbe reflected in your credit report. We may also\nreport information about you, your Account, and\nour experiences with you to consumer reporting\nagencies, to credit bureaus, to other companies that\nare affiliated with us or to others as allowed by law\nand our privacy policy. If you do not fulfill the\nterms of this Agreement, we may submit a negative\nreport reflecting on your credit record to one or\nmore consumer reporting agencies. If you believe\nwe have reported inaccurate information about\nyour Account to a consumer reporting agency, you\nshould notify us by sending your Account number\nand a description of the information you believe to\nbe inaccurate, along with any documentation\nsupporting the inaccuracy, such as your credit\nreport, to Target Card Services, P.O. Box 673,\nMinneapolis, MN 55440-0673.\n11. DEFAULT/TERMINATION OF CREDIT\nPRIVILEGES - Subject to applicable law, you\nwill be in default under this Agreement if you\nviolate any term of this Agreement, fail to make the\nMinimum Payment Due by the Payment Due Date,\nor become the subject of bankruptcy or insolvency\nproceedings. Upon default or death, subject to\napplicable law, we may, in our sole discretion: (a)\n\n\x0creduce your Credit Limit (b) terminate the\nAccount, at which time the terms of this Agreement\nwill continue until we have been paid in full; (c)\nrequire immediate payment of the total balance on\nyour Account including all related fees and charges\ndescribed in this Agreement; (d) bring a legal\naction against you to collect money owed to us; (e)\nterminate any special promotional credit terms; or\n(f) take any other action permitted by applicable\nlaw. If we refer your Account to an attorney for\ncollection, you must pay to us all costs and\nexpenses of collection, including attorneys\xe2\x80\x99 fees\nand court costs, to the extent not prohibited by law.\nEven if you are not in default, we reserve the right\nto terminate your privileges to obtain credit on the\nAccount at any time. Upon any termination of\nthis Agreement by you or us, you will continue\nto be obligated to pay all amounts owing under\nthis Agreement, and to otherwise perform the\nterms and conditions of this Agreement.\n12. COMMUNICATIONS WITH YOU - We or\nour agents may call or text by telephone regarding\nyour Account. You agree that we may place such\ncalls\nor\ntexts\nusing\nan\nautomatic\ndialing/announcing device. You agree that we may\nmake such calls or texts to a mobile telephone or\nother similar device. You agree that we may, for\ntraining purposes or to evaluate the quality of our\nservice, listen to and record phone conversations\nyou have with us. Message and data rates may\napply. To opt out, please call the number on the\nback of your card.\n13. WHAT LAW APPLIES - Applicable federal\nlaw and the substantive laws of the State of\nDelaware (to the extent not preempted by\nfederal law) without regard to the principles of\nconflicts of law or choice of law shall govern this\n\nTD TC161965 (R04.20)\n\nAgreement. To the extent any court determines\nthat this Agreement is subject to Maryland law\nconcerning credit, you and TD Bank agree that\nyour Account is governed by Title 12, Subtitle 9\nof the Commercial Law Article of the\nAnnotated Code of Maryland, except as\npreempted by federal law. If there is any conflict\nbetween any of the terms and conditions of this\nAgreement and applicable federal or state law, this\nAgreement will be considered changed to the\nextent necessary to comply with the law.\n14.\nCHANGE\nOF\nPERSONAL\nINFORMATION - You agree to tell us right away\nof any change in your name, address or telephone\nnumbers.\n15. ASSIGNMENT OF ACCOUNT - We may\nsell, assign or transfer your Account or any\nreceivables created under your Account without\nnotice to you. We will record any transfer in the\nbook entry system maintained by us for the benefit\nof you. You may not sell, assign or transfer your\nAccount without first obtaining our written\nconsent.\n16. NO WAIVER - We may waive or delay\nenforcing any of our rights under this Agreement\nor under applicable law without losing any of those\nrights or remedies. Even if we do not enforce our\nrights or remedies at any one time, we may enforce\nthem at a later time.\n17. CHANGES TO THIS AGREEMENT - We\nhave the right to change this Agreement (including\nthe right to add additional terms) and to apply those\nchanges to any existing balance on the Account as\npermitted by law. We will provide you with notice\nof any such changes as required by applicable law.\n\n18. NO SECURITY - Your Account is unsecured.\nWe are not taking a security interest in any property\nin connection with your Account.\n19. EVIDENCE - You agree that we may use a\ncopy, microfilm, microfiche or digital image of any\nperiodic statement or other document to prove\nwhat you owe us and that the copy, microfilm,\nmicrofiche or digital image will have the same\nvalidity as the original.\n20. CAPTIONS AND INTERPRETATIONS The captions used in this Agreement are for\nconvenience only. They do not affect the meaning\nof the paragraphs in this Agreement.\n21. SEVERABILITY - If any part of this\nAgreement is held to be invalid, the rest will\nremain in effect.\n22. ENTIRE AGREEMENT - You agree that this\nAgreement (as amended and supplemented from\ntime to time) and the application constitute the final\nexpression of the Agreement between you and us\nand that this Agreement may not be contradicted\nby evidence of any prior or contemporaneous or\nsubsequent\noral\nagreement\nbetween\na\nrepresentative of ours or a Target employee.\nNeither a Target store nor Target store employees\nhave authority to change, add to, or explain the\nterms of this Agreement, except as expressly\nprovided in this Agreement.\nYou may at any time pay the unpaid balance of\nthe account in whole or in part without\nincurring\nany\nadditional\ncharge\nfor\nprepayment.\n\n\x0cPricing Information\nAnnual Percentage Rate\n(APR) for Purchases\n\nYour Annual Percentage Rates and corresponding Daily Periodic Rates may vary with changes in the Prime Rate.\nThe Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and corresponding Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d) will be determined by adding\na margin to the Prime Rate. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the highest U.S. Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d\nsection of The Wall Street Journal. For each billing period we look at the Prime Rate on the last business day of the\nprevious calendar month. Any change in the APR and corresponding DPR will take effect on the first day of the\nbilling period. Your rates may increase when the Prime Rate increases. If the APR and corresponding DPR increase,\nthe Minimum Payment Due and the amount of Interest Charges on your Account may also increase.\nThe APR for Purchases may vary and is determined by adding to the Prime Rate a margin of 19.65%. Your Purchase\nAPR is 22.90% (corresponding to a DPR of 0.06273%).\n\nHow to Avoid Paying\nInterest Charges\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases\nif you pay your entire balance by the due date each month.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, you will be charged no less than $1.00.\n\nAnnual Fee\nPenalty Fees\n\nNone\n\n\xef\x82\xb7 Late Payment\n\nUp to $40\n\n\xef\x82\xb7 Returned Payment\n\nUp to $29\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cDaily Balance.\xe2\x80\x9d We calculate a Daily Balance for your Account. We maintain\nseparate balances for your Purchase and special promotional Purchase balances (each, a \xe2\x80\x9cBalance Type\xe2\x80\x9d) and calculate a Daily Balance for each. To\ndetermine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that\nBalance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily\nPeriodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases are included in\nthe Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase is posted to the Account. Fees are\nincluded in the Daily Balance of Purchases when posted to the Account.\n\nTD TC161965 (R04.20)\n\n\x0c'