b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISATraditional Rewards\nVISA Signature Rewards\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to First Financial of Maryland Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d\nand \xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit\nestablished by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month if\nYour Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until\nthe date the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of\nthat statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\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.\nAn International Assessment (ISA) fee (finance charge) will be charged on all transactions completed in a foreign\ncurrency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are\ncharged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying this\nAgreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 6\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nYour bill or call Us toll-free at 1-800-903-3328 or 410-321-6060, Monday through Friday during regular business hours.\nYou may also contact Us on the Web: www.firstfinancial.org.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. 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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. 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 transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. 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.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 6\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMaryland.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\nPage 4 of 6\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0c33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\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 three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think 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\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when 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\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\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.\nPage 6 of 6\n01900808-MXC30-C-1-111618 (MXC303-E)\n\n\x0cAPPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA TRADITIONAL REWARDS/VISA SIGNATURE\nREWARDS\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Traditional Rewards\n\n0.00%\n\nIntroductory APR, for qualifying members, for 12 months from\naccount opening.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n\n9.90% to 17.40%, based on your creditworthiness.\nVisa Signature Rewards\n\n0.00%\n\nIntroductory APR, for qualifying members, for 12 months from\naccount opening.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n\n11.74% to 18.00%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Traditional Rewards\n0.00% Introductory APR, for qualifying members, for 12 months from\naccount opening.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n9.90% to 17.40%, based on your creditworthiness.\nVisa Signature Rewards\n0.00% Introductory APR, for qualifying members, for 12 months from\naccount opening.\n\nAPR for Cash Advances\n\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n11.74%to 18.00%, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\nVisa Traditional Rewards\n0.00% Introductory APR, for qualifying members, for 12 months from\naccount opening.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n9.90% to 17.40%, based on your creditworthiness.\nVisa Signature Rewards\n0.00% Introductory APR, for qualifying members, for 12 months from\naccount opening.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n11.74%to 18.00%, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01900808-MXC10-C-1-111618 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Traditional Rewards\nNone\nVisa Signature Rewards\nNone\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- International Assessment (ISA) Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nYour due date is at least 28 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $35.00\nNone\nUp to $27.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first 12 months following the opening of your account. Any existing balances on First Financial of\nMaryland Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases, balance transfers and cash advances and apply the prevailing nonintroductory APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 12/01/2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Traditional Rewards and Visa Signature Rewards are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01900808-MXC10-C-1-111618 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n5.00% of the amount of the required minimum payment or $15.00, whichever is greater, but in any case, never more than\nthe amount of the delinquent required minimum payment if You are more than 15 days delinquent in making a payment.\nHowever, the fee will not exceed $35.00.\nReturned Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less.\nDocument Copy Fee:\n$10.00 per document.\nStatement Copy Fee:\n$2.00 per document.\nStop Payment Fee:\n$28.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01900808-MXC10-C-1-111618 (MXC101-E)\n\n\x0c'


b'international transactions. The conversion rate to dollars will\nbe at (i) the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (ii) the\ngovernment mandated rate, whichever is applicable, in effect\nfor the applicable central processing date, in each instance,\nplus or minus any adjustments determined by the issuer. The\nconversion rate may be different from the rate on the day the\ntransaction took place or the date the transaction posted.\n20. PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK. You\nagree that you will not use the Account to purchase or carry margin\nstock (as defined in Federal Reserve Board regulations).\n21. ILLEGAL ACTIVITY. You agree not to use your Card or Account, directly or\nindirectly: (1) in a manner that would constitute a crime under local, state\nor federal law, or in any illegal activity or transaction, including without\nlimitation any \xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined in 18 USC \xc2\xa7 1961; or\n(2) for any gambling, gaming, betting, or similar activity or transaction.\nSuch transactions include, but are not limited to, any quasi-cash or\nonline gambling transaction, any electronic commerce transaction\nconducted over an open network, and any betting transaction including\nthe purchase of lottery tickets or casino gaming chips/checks or offtrack betting or wagering. Display of a payment card logo by an online\nmerchant or acceptance of a Visa Card by an online merchant does\nnot necessarily mean that the transaction is legal in the jurisdiction\nin which you are located. In the event that a charge or transaction\ndescribed in this paragraph is processed, you will still be responsible\nfor such charges. Any such illegal or other prohibited use constitutes\nan unauthorized use and can result in cancellation and termination of\nyour Account. You agree, should illegal use occur, to waive any right to\nsue us in connection with such illegal use and to indemnify and hold us\nharmless from any action or liability, including attorney\xe2\x80\x99s fees and costs,\ndirectly or indirectly arising out of such illegal use.\n22. REWARDS PROGRAM.\n(a) Reward Points. If you are enrolled in the Rewards Program\nfor your Account, Rewards points will only apply to net\nPurchases (Purchases minus returns and/or credits). Every\ndollar in qualifying Purchases, net of returns, charged to the\nAccount earns one Participant Point (\xe2\x80\x9cPoint\xe2\x80\x9d). No points are\nearned for finance charges, fees, Balance Transfers, Cash\nAdvances, Convenience Checks, Foreign Transaction fees,\ninsurance charges or other items posted to the Account.\n(b) Loss of Accumulated Reward Points. Accumulated Rewards\nPoints will be lost should any of the following occur: (i) we have\nreason to believe illegal activity has occurred or is occurring\non your Account; (ii) your Account becomes 90 or more days\ndelinquent; or (iii) you or the Joint holder of this Account\ncauses HawaiiUSA to suffer a loss. In addition, Points earned\nin calendar year one will expire as of the last day of calendar\nyear five. (For example, points earned in 2010 will expire on\nDecember 31, 2014.)\n(c) Rewards Redemption. For travel related redemption, call toll\nfree (800) 900.6160. For merchandise redemption, send your\norder form to: CURewards Awards HQ 2440 West 34th Street,\nChicago, IL 60608-5134. The website to view the available\nmerchandise is: www.curewards.com. Redemption is subject\nto availability.\n(d) Program Rules. A complete set of Program Rules may be\nobtained at the CURewards website, through the HawaiiUSA\nwebsite, http://hawaiiusafcu.com, or by contacting HawaiiUSA\nat (808) 534.4300, or toll free at (800) 379.1300.\n9\n\n(e) Termination. We reserve the right to terminate the Program\nat any time upon providing any notice required by applicable\nlaw. If terminated, we shall not be responsible or liable for any\npoints you have earned and did not use prior to the end of\nthe Program. Also, if your Account is closed for any reason,\nany unused accrued points will be forfeited.\n23. CREDIT INFORMATION. You warrant that the information on\nany credit application that you have given us to get your Account\nor Card is correct. We may retain your application. You agree to\nnotify us immediately if any information on your application becomes\nincorrect, including a change in your name, address, employment or\nfinancial status. You authorize us to investigate your credit standing\nwhen opening, renewing, or reviewing your Account. You authorize\nus to disclose information regarding your Account and our credit\nexperience with you to credit bureaus and others to the extent\npermitted by law. You understand and agree that we may make\nchanges to the terms of your Account based on information in your\ncredit history. You understand that it is a violation of section 1014,\ntitle 18, US Code, to make false statements or over-value security for\nthe purpose of influencing the action of any federally insured credit\nunion, including HawaiiUSA.\n24. DEFAULT. You will be in default if: (1) you do not pay at least the\nMinimum Payment Due or other required payment by the Payment\nDue Date; (2) you violate any of the terms of this Agreement;\n(3) your creditworthiness is impaired; (4) you make any false or\nmisleading statements in any credit application, credit update or\nother communication to us; or (5) you die, are declared incompetent\nor mentally incapacitated, become insolvent, or are the subject of\nbankruptcy or receivership proceedings. You agree to inform us if\nyou become aware of any event or condition that may constitute a\ndefault as described in this paragraph. We have the right to demand\nimmediate payment of the entire Account Balance if you default,\nsubject to our giving you any notice required by law.\n25. CLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION. If\nyou default, you understand and agree that we have the right to\ntemporarily or permanently suspend any and all Account and Card\nprivileges, and/or we may demand immediate payment of the\nAccount Balance. We may close or suspend your Account at any\ntime, without notifying you, as permitted by law. We are not liable\nto you for any transactions that are denied due to our decision to\nclose, suspend or terminate your Account. You agree that you will\nnot attempt to make a Purchase or obtain a Cash Advance after you\nhave been notified that your privilege to use your Account has been\nterminated. You may close your Account at any time by notifying us\nin writing, and you must return all Cards that were issued for your\nAccount. If we close or suspend your Account, or if you close your\nAccount, you understand and agree that you remain obligated to\nrepay the entire Account Balance. You understand and agree that\ninterest charges at the APR as permitted under this Agreement will continue\nto accrue until you repay your entire Account Balance.\n26. COLLECTION COSTS. To the extent permitted by law, you are liable to\nus for our legal costs if we refer collection of your Account to an attorney\nwho is not our salaried employee. These costs may include reasonable\nattorneys\xe2\x80\x99 fees, as well as costs and expenses of any legal action.\n27. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft\nof your Card, PIN or Account number, you should call us immediately\nat (800) 654.7728, or write to us at: Credit Card Security Department,\nP.O. Box 31112, Tampa, FL 33631-3112. Telephoning is the best way of\nkeeping your possible losses down.\n10\n\nYou will not be liable for any unauthorized use that occurs after you\nnotify us. You may, however, be liable for unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not exceed\n$50. Subject to investigation, verification of your claim, and account\nstanding and history, you will have no liability for unauthorized\nPurchases made with your Card through Visa, unless you acted with\ngross negligence or fraud, or delayed in reporting unauthorized\nuse. You agree that in the event of a lost, stolen, not received or\ncounterfeited card or fraudulent activity on your Account, you and\nall parties given access to the Account will complete an affidavit of\nforgery in a form approved by the Credit Union. You also agree to\nassist us in determining the facts, circumstances, and other pertinent\ninformation related to any loss, theft or possible unauthorized use\nof your Card, PIN or Account number and to comply with such other\nprocedures as we may require in connection with our investigation.\nYou are responsible for the safekeeping of your Card, PIN, and\nAccount number.\n28. STATEMENTS. Your Card or other Account activity will be reflected\non your Statement. We will send you a Statement for each Billing\nPeriod in which Transaction activity has occurred on your Account.\nYour Statement will identify the merchant, electronic terminal, or\nfinancial institution at which transactions were made, but sales,\nCash Advance, credit, or other receipts cannot be returned with the\nStatement. You agree to retain copies of such receipts furnished at\nthe time of the transaction in order to reconcile your Statement. If\nyou request a copy of any sales raft or similar document, a Statement fee\nof $5.00 may be imposed by us. This fee will not be imposed, however,\nif it was requested in connection with a billing error. Statements will be\nmailed or delivered electronically if you have agreed to receive notices\nfrom us in an electronic format.\n29. INACTIVE ACCOUNT: If your Account does not have any activity\nfor twenty-four (24) consecutive months, it will be considered an\ninactive account and your ability to take advances against your Credit\nLimit may be suspended. If your Account is inactive for twenty-four\n(24) consecutive months, we may close it.\n30. RETURNS AND ADJUSTMENTS. If a merchant discloses a policy\nsuch as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit without receipt,\xe2\x80\x9d\n\xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be bound by that\npolicy when you use your Card to buy goods or services from that\nmerchant. A merchant refund to your Account will post to your Account\nas a credit. We do not control when a merchant sends an Account\ncredit. We will choose how to apply the credit to your existing Account\nBalance. If a credit fails to post to your Account, you may request our\nhelp in having the credit applied to your Account by sending us a copy of\nthe credit receipts until the credit is properly applied to your Account. If\nyour credits and payments exceed what you owe us, we will hold and\napply this credit balance against future Transactions, or if it is $1.00\nor more, refund it on your written request or automatically after six\n(6) months.\n31. DISPUTES WITH MERCHANTS. We are not responsible for the\nrefusal of any merchant or financial institution to honor your Card. If\nyou have a dispute with a merchant or financial institution, you must\nmake a good faith attempt to resolve the dispute with the merchant\nor financial institution. If you cannot do so, you must send written\nnotice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL\n33631-3112 and to the merchant or financial institution. We will then\ninvestigate the dispute and take such action as required under the\nFederal Truth in Lending Act.\n11\n\n32. INVESTIGATIONS. You agree to cooperate fully with the\ninvestigation of any merchant dispute or unauthorized transaction\nregarding your Account, to file complete and truthful reports\nwith criminal law enforcement agencies, and to give complete\nand truthful testimony. At our request, you agree that (1) we will\nbe subrogated to, and you shall assign to us, all rights that you have\nagainst any merchant, financial institution, or unauthorized user, (2)\nyou will do whatever is necessary to enable us to exercise our rights\nand will cooperate with us, and (3) you will not prejudice our rights.\nYou further agree that we have the right to reverse any credits that\nwe apply, and that you will indemnify and hold us harmless with\nrespect to any dispute, to the full extent permitted by law.\n33. CHANGE OF TERMS. This Agreement is the contract that applies to\nall Transactions on your Account even though the sales, cash advance,\ncredit, or other slips you sign or receive may contain different terms.\nSubject to applicable law, you understand and agree that we may\namend, modify, add to, or delete from this Agreement any of its\nterms and conditions, including financial terms, including rates and\nfees by providing notice as required by law. The new terms will apply\nto your existing Account Balance and all fees and charges accrued at\nthe time of the change as well as to any future Transactions, to the\nextent permitted by applicable law.\n34. VISA ACCOUNT UPDATER (VAU). VAU is an account updating\nservice in which your Card is automatically enrolled. When your\nCard expires, is lost or stolen and a new Card is issued, the service\nmay update relevant Card data (Card numbers and expiration dates)\nto appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service\nprovides updates to a Visa database only. The database is accessed\nby those qualified merchants seeking your Account information after\nyou have requested they process a recurring payment or payments.\nThis service is provided as a free benefit to you. If at any time you\nwish to opt-out of the VAU service or if you have any questions,\nplease call (808) 534.4300 or (800) 379.1300- to do so.\n35. NOTICE\n(a) To Us. If there is any Notice that you need to give to us, call\nus during our business hours at (808) 534.4300 on Oahu, or toll\nfree at (800) 379.1300, or write to us at: HawaiiUSA Federal Credit\nUnion, 1226 College Walk, Honolulu, HI 96817-3946.\nIf you email us, we may not immediately review it. We will not take action\nbased on email requests until a Credit Union employee reads the email\nand has a reasonable opportunity to act. Do not include any personal\nor confidential information in any email that you send to us, whether\nthrough online banking or through a different email provider.\nWe will never contact you by email, telephone, mail or other type of\ncorrespondence and request your account number, PIN, password,\nusername, or other access code. If you are contacted by anyone asking\nfor your account number, PIN, password, username or other access code,\nyou should refuse and immediately contact us. You may be the target of\nidentity theft.\n(b) To You. If you move, you must give written notice of your\nnew address. Whenever we are required to give you notice for\nsomething, we will mail it to you at the address we have for you in\nour records. If you sign up for electronic statements, notice may\nbe provided by email. If there is more than one person on the\nAccount, notice to any one of you constitutes notice to all of you.\n\n12\n\n36. APPLICABLE LAW; VENUE. Your Account was approved and issued\nin the State of Hawaii, and all extensions of credit are being made from\nthe State of Hawaii. You agree that the laws of the State of Hawaii\n(without regard to conflict of laws provisions) apply to this Agreement,\nto the Account and to use of the Card, wherever that takes place. Any\naction with respect to this Agreement, the Account or use of the Card\nmay be brought or transferred to federal or state courts located in\nHonolulu, Hawaii.\n37. RENEWALS. If you move out of the State of Hawaii, your Account\nmay not be renewed.\n38. NONTRANSFERABILITY. You may not transfer or assign your Account\nor Card without our prior written consent, which we may withhold in our\nsole discretion. We may sell, transfer or assign this Agreement and your\nAccount to a third party at any time without notifying you.\n39. SEVERABILITY AND FINAL EXPRESSION. This Agreement is the final\nexpression of the terms and conditions of your Account. This Agreement\nmay not be contradicted by evidence of any alleged oral agreement. If\nany provision in this Agreement is found to be invalid or unenforceable, all\nother provisions shall remain in full force and effect.\n40. INTEGRATED DOCUMENTS. Any separate sheet of paper identified\nas an \xe2\x80\x9cAddendum\xe2\x80\x9d or \xe2\x80\x9cAmendment\xe2\x80\x9d to this Agreement is an integrated\npart of the Agreement.\n41. BUSINESS DAYS. Our Business Days and hours at our Main Branch are\nMonday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30 am to 2:30 pm.\nHolidays are not included.\n42. COPY RECEIVED. You acknowledge receipt of a copy of this\nAgreement and agree to accept its terms.\n43. PINK PLATINUM CHARITABLE BENEFITS: This section applies if\nyou have a Pink Platinum Credit Card Account. Use of the HawaiiUSA\nVISA Pink Platinum Credit Card results in donations to charity. We will\ndonate 0.10% (10 cents for every $100) of all net Purchases (less returns)\nmade with the Card to charity. We may increase this amount during\npromotional periods. We will donate up to $20,000 of net Purchases\nannually. We have designated the Making Strides Against Breast Cancer\xc2\xae\nprogram of the American Cancer Society as the current charitable\nrecipient. We reserve the right to change the charitable recipient or to\nterminate the charitable program at any time. No change will affect\ndonations previously made.\n44. VISA SHARE SECURED CREDIT CARD: If you have signed a separate\nShare Pledge Agreement, you understand and agree that you are\npledging funds now on deposit in a deposit account you have with us.\nYou understand that you must, at all times, keep a sum equal to your\ncredit limit on deposit in the designated deposit account identified on\nthe Share Pledge Agreement until you repay your entire Account Balance\nand the Account is closed. You understand and agree that this security\ninterest will cover future Transactions under this Agreement. If you\ndefault, we may apply the pledged funds to repay your Account Balance\nin accordance with federal or other law. You understand that the APR\napplicable to your Account does not take into account the amount\npledged in your designated deposit account.\n45. ENFORCING THIS AGREEMENT. We will not lose our rights under this\nAgreement because we delay in enforcing them or fail to enforce them.\n46. MEMBERSHIP REQUIREMENT. You understand and agree that you\nmust be and remain a member in good standing with us to be eligible for\ncontinuing Account and/or Card privileges, including future Transactions.\nYou understand and agree that we may suspend or close the Account\n13\n\nand/or Card privileges during any period in which you do not maintain\nyour membership with us.\n47. NOTICE. See the statement below for important information regarding\nyour right to dispute billing errors.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice contains important information about your rights and our\nresponsibilities 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 Customer\nService, P.O. Box 31112, Tampa, FL 33631-3112\nIn your letter, give us the following information:\n\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\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\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but\nif you do, we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\n\nAfter we finish our investigation, one of two things will happen:\n\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 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe 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\n$50 of the amount you question even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\n1. The purchase must have been made in your home State or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\nWhat Will Happen After We Receive Your Letter\n\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n\nWhen we receive your letter, we must do two things:\n\n3. You must not yet have fully paid for the purchase.\n\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We also will tell you if we have already\ncorrected the error.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at Customer Service, P.O. Box 31112,\nTampa, FL 33631-3112.\n\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain why we believe the bill was correct.\n\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nWhile we investigate whether or not there has been an error:\n\nPLATINUM VISA CREDIT CARD\nAGREEMENT AND\nDISCLOSURE\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n14\n\nM-123297\n\n\x0cHawaiiUSA Federal Credit Union\n\n1226 College Walk, Honolulu HI 96817-3946\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 1 of 2\n\nAPR for\nBalance Transfers\nAPR for\nCash Advances\n\nPaying Interest\n\nFor Credit Card\nTips from the\nConsumer Financial\nProtection Bureau\n\n14.90%\n14.90%\n14.90%\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou interest on purchases and balance\ntransfers if you pay your entire balance by\nthe due date each month. We will begin\ncharging interest on cash advances on the\ntransaction date\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/\nlearnmore.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\nBalance Transfers\n\nCash Advances\n\nNone\n\nNone\n\nTransaction Fees\nForeign Transaction\n1.00% of each transaction\nLate Payment:\n\nPenalty Fees\n\nUp to $35 or 5% of delinquent amount, whichever is less\nReturned Payment:\nUp to $24\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage\ndaily balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided at the end of this Agreement,\nin Part 2 of 2\n1\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 2 of 2\n1. GENERAL. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d in this Platinum Visa Credit\nCard Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) refer to each person\nwho as Applicant or Joint Applicant has asked us to open a Consumer\nPlatinum Credit Card Account in his or her name. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d\nand \xe2\x80\x9cHawaiiUSA\xe2\x80\x9d refer to HawaiiUSA Federal Credit Union. The word\n\xe2\x80\x9cStatement\xe2\x80\x9d means the periodic billing statement for your Account,\nwhich we will send you each month. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the period\nof time covered by the Statement.\n\nInterest Rates and Interest Charges\nANNUAL\nPERCENTAGE RATE\n(APR) for Purchases\n\nHawaiiUSA Federal Credit Union\n\n1226 College Walk, Honolulu HI 96817-3946\n\nYou are asking that we: (1) open a consumer Platinum credit card\naccount at HawaiiUSA in your name (your \xe2\x80\x9cAccount\xe2\x80\x9d); (2) issue you\none or more VISA credit cards (\xe2\x80\x9cCard\xe2\x80\x9d) for your Account, in your\nname, or names, if a joint account; (3) allow you to purchase goods\nand services with your Card (your \xe2\x80\x9cPurchases\xe2\x80\x9d); (4) allow you to\nobtain cash advances using your Account (your \xe2\x80\x9cCash Advances\xe2\x80\x9d);\nand (5) allow you to make balance transfers using your Account\n(your \xe2\x80\x9cBalance Transfers\xe2\x80\x9d). You authorize us to pay and charge\nyour Account for all transactions (including Purchases, Convenience\nChecks, Cash Advances and Balance Transfers) made or obtained\nby you or anyone you authorize to use your Card or Account\n(collectively, \xe2\x80\x9cTransactions\xe2\x80\x9d).\nYou will be obligated to pay all such Transactions charged to your\nAccount whether resulting from: (1) actual use of your Card; (2) mail\norder or telephone, computer, or other electronic transactions made\nwithout presenting the Card; or (3) any other circumstances where\nyou authorize a charge, or authorize someone else to make a charge,\nto your Account. \xe2\x80\x9cAccount Balance\xe2\x80\x9d means all authorized charges, plus\nany finance charges assessed on your Account, plus any other fees\nand charges which you owe to us under the terms of this Agreement.\nIn return, by accepting, signing or using your Card after receiving a\ncopy of this Agreement, you agree to be liable for all Transactions and\ncharges to your Account; you agree to the terms of this Agreement\nand any amendments to this Agreement; and you agree that it will\nbe binding upon you even if your Account is canceled or terminated.\n2. MILITARY LENDING ACT DISCLOSURES. Federal law provides\nimportant protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his\nor her dependents may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction\nor account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card\naccount).\n3. CONSUMER ACCOUNT. You agree that your Account is for\nconsumer use only, and is established and to be used primarily for\npersonal, household, or family purposes. We do not have a duty\nto monitor your Account for business use. If you use your Account\nfor business purposes, you agree that the consumer protection\nprovisions of this Agreement do not apply except to the extent\nrequired by law. We may close your Account if we learn that you are\n2\n\nusing it for business purposes. If you need a credit card account for\nbusiness or commercial use, please contact us to open a business\ncredit card account.\n4. ACCOUNT USE. Your Account use is subject to this Agreement.\nAll Transactions are subject to our approval. You may use your\nCard to purchase goods and services in person, online, and by mail\nor telephone from merchants and others who accept Visa credit\ncards. In addition, you may obtain Cash Advances from HawaiiUSA,\nfrom other financial institutions or select merchants participating\nin the Visa program and from automated teller machines (ATMs)\nthat provide access to the Visa system. Not all merchants or ATMs\nprovide such access. You will need to use your Personal Identification\nNumber (PIN) to obtain a Cash Advance from an ATM. A PIN may be\nobtained by calling (888) 886.0083.\nIf you use an ATM not owned by us, you may be charged a fee by\nthe ATM operator or any ATM network used to complete the transfer\n(and you may be charged a fee for a balance inquiry even if you do\nnot complete a funds transfer). The fee will be debited from your\nAccount if you elect to complete the transaction or continue with the\nbalance inquiry.\nYou may also use your Account to transfer balances from other\ncreditors, provided that we approve your request. To make a Balance\nTransfer, contact any HawaiiUSA branch or obtain a Balance Transfer\nauthorization form from our website, http://hawaiiusafcu.com.\nIf you have or are later provided with a PIN, you must not give or\ndisclose your PIN to others. If you do so, all transactions by such\npersons will be deemed authorized by you. (See section below\nentitled RESPONSIBILITY.)\n5. CREDIT LIMIT: We assign a Credit Limit to your Account. Part of\nthis Credit Limit may be available for Cash Advances. Your Credit Limit\nwill initially be disclosed in Your welcome letter and will be reflected\non each periodic statement. You agree to manage your Account so\nthat your Account Balance (including fees and charges) is not more\nthan your Credit Limit. However, if your Account Balance exceeds\nyour Credit Limit, you are still obligated to pay us. We may increase\nor decrease your Credit Limit at any time and we may notify you of\nsuch increase or decrease by mail or through a statement sent to\nthe primary accountholder\xe2\x80\x99s address of record, in accordance with\napplicable legal requirements. If you object to any Credit Limit\nincrease, you must notify us immediately. You or any co-borrower on\nthe Account may request a change to the Credit Limit orally, in writing,\nor electronically, but any such request must be approved by us. If your\nCredit Limit is increased, you are immediately responsible for the new\nCredit Limit and any increase in the Account Balance even when it\ndiffers from an amount previously agreed to orally or in writing.\n6. ACCOUNT OPENING DISCLOSURE. Please refer to the Platinum VISA\nCredit Card Agreement and Disclosure, Part 1 of 2, distributed with\nthis Agreement, which contains rate, fee, and other cost information.\n7.ANNUAL MEMBERSHIP FEE. None.\n8. OTHER FEES. You also agree to pay us:\n\xe2\x80\xa2 a 1% foreign transaction fee (see section entitled FOREIGN\nTRANSACTION FEE AND CURRENCY CONVERSION RATE for\nmore information about our Foreign Transaction Fee and\ncurrency conversion rate);\n\nto you as replacement for a lost, stolen or damaged Card,\npayable at the time your replacement Card is ordered for you;\n\xe2\x80\xa2 a Returned Payment Fee of up to $24.00 each time a check\nyou use to make a payment is returned unpaid (however, the\nReturned Payment Fee will not exceed the amount of the\nminimum payment due);\n\xe2\x80\xa2 a $5 fee each time you request a copy of your billing Statement;\n\xe2\x80\xa2 a $20 fee per hour or fraction thereof for any research\nrequested;\nA Late Payment Fee of up to $35 or 5% of the delinquent amount,\nwhichever is less, with respect to any Billing Period if the Minimum\nPayment Due is not paid within ten (10) days after the Payment Due\nDate. However, the Late Payment Fee will not exceed the amount\nof the Minimum Payment Due. For the first violation in any seven\nconsecutive monthly Billing Periods, the Late Payment Fee will not\nexceed $25. You will only have to pay the Late Payment Fee once on\nthe same late payment.\nYou authorize us to charge your Account for the fees due to us. You\nunderstand and agree that we have the right, in our sole and absolute\ndiscretion, to change the amount of fees that apply to your Account,\nin accordance with applicable law.\n9. VISA NON-VARIABLE RATE PROGRAM. We use annual percentage\nrates (APRs) to calculate interest charges on your Account. Our Visa\nprogram is a non-variable rate program, which means that your APR\ndoes not increase or decrease except as otherwise provided for in\nthis Agreement.\n\nDetails about your\ninterest rates and\ninterest calculations\nPurchases\nBalance Transfers\nCash Advances\n\nPeriodic Rate\n\n1.2417% (M)\n\nCorresponding\nAnnual Percentage\nRate (APR)\n\n14.90%\n\n(M) = Monthly Periodic Rate. A monthly periodic rate is the APR\ndivided by 12.\n\n\xe2\x80\xa2 We add any new Transactions, fees and other charges.\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day\nand any unpaid interest or other finance charges.\nThis gives us the daily balance. Then, we add up all the daily balances\nfor the Billing Period and divide the total by the number of days in the\nBilling Period. This gives us the average daily balance.\nFrom time to time and at our discretion, we may offer introductory\nor promotional APRs for all or any part of your Account Balance,\nBalance Transfers or future transactions. The period of time for which\nthe introductory or promotional APR applies may be limited. Any\napplicable promotional APR, the corresponding periodic rates, and the\nperiod of time during which they are in effect will appear on the offer.\nAny introductory or promotional rate offer will be subject to the terms\nof the offer and this Agreement. Any introductory or promotional APR\nthat we may offer will be separately identified on your Statement as\nwell as the balances to which these APRs apply. Upon expiration of\nthe introductory or promotional APR, the APR will be adjusted to the\nstandard APR and will apply to all outstanding balances.\n\nInterest charges will be imposed on Transactions only if you elect not\nto pay the entire Account Balance shown on your Statement by the\nPayment Due Date. If you elect not to pay the entire Account Balance\nshown on your Statement by the Payment Due Date, interest charges\nwill be imposed on the unpaid Average Daily Balance of Transactions\nfrom the previous Statement closing date and on the new Transactions\nfrom the date of posting to your Account during the current Billing\nPeriod, and will continue to accrue until the closing date of the Billing\nPeriod preceding the date on which the entire Account Balance is paid\nin full.\nWe calculate interest on your Account each Billing Period by applying\nthe Monthly Periodic Rate to the Average Daily Balance (including\nnew Transactions). The following explains how we do this. To get the\nAverage Daily Balance:\n\n11. GRACE PERIOD.\nYou will not pay any interest on Purchases if you pay the Account\nBalance, including any Balance Transfers, in full by the Payment Due\nDate shown on your Statement each Billing Period. We call this a\ngrace period on Purchases. Generally you will have a 25-day grace\nperiod from the close of each Billing Period to pay the Account\nBalance without incurring additional interest. The Payment Due\nDate disclosed on each Statement provided to you is the last day\nof your grace period for that Statement\xe2\x80\x99s billing cycle. If you do not\npay the Account Balance, including any Balance Transfers, in full by\nthe Payment Due Date in a Billing Period, you will pay interest on\nyour Purchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you pay\nthe Account Balance in full by the Payment Due Date two (2) Billing\nPeriods in a row.\nThere is no grace period on Cash Advances. This means you will pay\ninterest on Cash Advances from the date these transactions post to\nyour Account.\n\n(a) Minimum Payment. Every month, you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on\nyour Statement. The Minimum Payment Due will be either\n(1) 3.5% of your Account Balance or $15.00, whichever is\ngreater; or (2) your Account Balance if it is less than $15.00.\nIn addition, you must pay any amount past due, any late\ncharge and any amount over the Credit Limit.\nThough you need only pay the Minimum Payment Due, you\nhave the right to repay your Account Balance at any time\nwithout penalty.\nYou must also pay on our demand the amount by which the\nAccount Balance exceeds the credit limit that we set for\nyour Account.\n\n\xe2\x80\xa2 We start with the beginning balance of your account each day.\n\n\xe2\x80\xa2 a $15.00 Replacement Card Fee for each Card that we issue\n3\n\n4\n\nVISA\nP.O. BOX 79265\nCity of Industry, CA 91716-9265\nPayments may also be made at any of our HawaiiUSA\nbranches. You must also follow the instructions below when\nmaking a payment. If you do, we will credit the payment to\nyour Account as of the day we receive it.\n\xe2\x80\xa2 We must receive your payment on or before the Payment Due\nDate in order for your Account to be credited by the Payment\nDue Date.\n\xe2\x80\xa2 You must pay in U.S. Dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a financial\ninstitution in the U.S. (do not mail cash).\n\xe2\x80\xa2 You must not send us a check dated after the date that we\nreceive it.\n\n12. PAYMENTS.\n\n10. INTEREST CALCULATION\n\n(b) Time and Place for Payment. All VISA payments are to be\nmailed to:\n\n5\n\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\xe2\x80\xa2 You must not include any restrictive endorsements on the\ncheck.\n\xe2\x80\xa2 You must follow any additional payment instructions shown on\nyour Statement.\n(c) How Your Payments Will Be Applied. Minimum Payments\nwill be applied to your Account in the manner chosen by us\nsubject to applicable law. Any payment amounts above the\nMinimum Payment Due will be applied to balances subject to\nhigher APRs and then to balances subject to lower APRs, in\ndescending order of APRs until all balances subject to an APR\nare paid in full.\n(d) Payments Marked \xe2\x80\x9cPaid In Full.\xe2\x80\x9d We may accept checks,\nmoney orders, or other types of payment marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness without being bound by such language\nor waiving any rights under this Agreement. Full satisfaction\nof indebtedness shall be accepted by us only in a written\nagreement, signed by an authorized representative.\n13. PAYMENTS BY AUTOMATIC TRANSFER: By separate agreement,\nyou may authorize us to automatically transfer the Minimum Payment\nDue from your Credit Union savings or checking account. If you\nrequest payment by automatic transfer, you understand and agree that\nno payment will be made if there are insufficient or uncollected funds\nin the designated savings or checking account to make the scheduled\npayment. Should this event occur, you understand and agree that\nyou will not be released from making the payment. Any automatic\ntransfer you have requested will remain in effect until you cancel it\nin writing or the Account Balance is paid in full. To stop a payment\nby automatic transfer, you may send us a letter requesting that the\npayment be stopped. Your letter must be received by HawaiiUSA\nFederal Credit Union, Attention: Card Services Department, 1226\nCollege Walk, Honolulu, HI 96817, at least three (3) business days\nbefore the automatic payment is scheduled to occur. We may cancel\nthis service at our discretion.\n6\n\n14. RECURRING PAYMENTS: The use of your Account to make\npreauthorized electronic recurring bill payments constitutes an\n\xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund\nTransfer Act and Regulation E. You may be able to place a stop\npayment on a preauthorized electronic recurring bill payment in\naccordance with the terms of our Authorization Agreement for\nPreauthorized Payments. Any such stop payment order is subject\nto a Stop Payment Fee of $10.00 for each stop payment order you\ngive. A stop payment/revocation order does not release you from the\nobligation to pay for goods and services purchased from merchants.\n15. RESPONSIBILITY. You agree to repay us according to the terms\nof this Agreement for all Transactions, finance charges, late charges,\nand other fees arising from the use of the Account by you or any\nother person you permit to use the Account, even if that person\nexceeds your permission. You must not give anyone else possession\nof your Card, PIN, or other authority to make transactions on your\nAccount. You cannot disclaim responsibility by notifying us, although\nwe will close the Account if you so request and you will return all\nCards to us. Your obligation to pay the Account Balance continues\neven though an agreement, divorce decree, or other court judgment\nto which we are not a party may direct you or one of the other persons\nresponsible to pay the Account.\n16. JOINT ACCOUNTS. If this is a joint Account, each of you will\nbe individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that we can require any one of\nyou individually to repay the Account Balance. Each of you authorizes\nthe other to make Transactions individually. Any one of you may close\nthe Account and such closure will be effective as to all of you. You\nagree that all notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing records.\nIf this is a joint account, neither party can be released from his or\nher obligations except upon HawaiiUSA\xe2\x80\x99s approval. Cards remain our\nproperty and you must recover and surrender to us all Cards upon our\nrequest and upon termination of this Account.\n17. ACCOUNT USE BY AUTHORIZED USERS: You may request to add\none or more Authorized Users to your Account. If we approve your\nrequest, use of your Account by an Authorized User is subject to the\nterms of this Agreement. You must:\n\xc2\xb7 Obtain permission from each Authorized User before naming\nhim or her as an Authorized User on your Account.\n\xc2\xb7 Make a copy of this Agreement available to each Authorized\nUser.\n\xc2\xb7 Pay us for all charges incurred by each Authorized User.\n\xc2\xb7 Notify us to remove an Authorized User from your Account. If\nwe remove an Authorized User, we may close your Account,\nopen a new Account, and issue you a new Card.\nWe may limit the number of Authorized Users on your\nAccount.\nYou are responsible for:\n\xc2\xb7 Any Transactions made by an Authorized User on your\nAccount.\n\xc2\xb7 Any Transaction made by an Authorized User even if the postdate shown on your periodic statement for that Transaction\n7\n\noccurs after the date you ask us to remove the Authorized\nUser from your Account.\n\xc2\xb7 Any Transactions made by others if an Authorized User allows\nthem to use your Account.\n\xc2\xb7 Fees and charges resulting from any Transactions made by an\nAuthorized User or others if an Authorized User allows them\nto use your Account.\nINFORMATION ABOUT AUTHORIZED USERS: You agree to\ngive us certain personal information about each Authorized\nUser. You must let each one know that you will give us that\ninformation and you must have his or her permission to do\nso. You must have permission from each one to allow us to\nshare information about him or her as permitted by applicable\nlaw. This includes information we may obtain from you, any\nAuthorized User and others. It also includes information\nabout their Transactions on the Account.\nCREDIT REPORTING: We report information about this\nAccount to Consumer Reporting Agencies in the Authorized\nUser\xe2\x80\x99s name that may appear on their credit report. This\ncould include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nYou understand and agree that you must let each Authorized User\nknow that we report Account information in his or her name.\n18. INTERNET (ONLINE) TRANSACTIONS. We subscribe to Verified\nby Visa (VbV). VbV is an enhancement that improves the security\nof Purchases made via the Internet by enabling us to verify your\nAccount ownership during online purchases by using a password.\nVbV only relates to Internet Purchases from merchants that also\nparticipate in VbV. If you make Purchases through the Internet,\nyou may register your Card at www.visa.com, where you will be\nasked to enter account information and personal data for identity\nconfirmation. You will be able to shop at participating VbV Internet\nmerchants with no changes to the shopping or checkout process.\nShould you shop at a VbV participating Internet merchant and have\nnot yet registered your Card, you may be required to register with VbV\nbefore completing the transaction.\n19. FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.\n(a) Foreign Transaction Fee. A fee of 1% of the amount of the\ntransaction, calculated in U.S. dollars, will be imposed on all\nforeign transactions, regardless of whether the transaction\ninvolves a currency conversion, including Purchases, Cash\nAdvances and credits to your Account. A foreign transaction\nis any transaction that you complete or a merchant\ncompletes on your Card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S.\nembassies, or U.S. consultants.\n(b) Currency Conversion Rate. Transactions will be billed to your\nAccount in U.S. dollars. The conversion to U.S. dollars will be\nmade in accordance with the Visa operating regulations for\n8\n\n\x0c'