b'CEFCU\xc2\xae\nMASTERCARD,\xc2\xae\nCEFCU REWARDS\nMASTERCARD,\nAND\nCEFCU WORLD\nMASTERCARD\n\nCARDHOLDER\nAGREEMENT\nP.O. BOX 1715\nPEORIA, ILLINOIS 61656-1715\nMEMBER SERVICE\n1.800.633.7077\n309.633.7000\n\nM-111950\n\n\x0cContents\nAcceptance of This Agreement. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 3\nUsing Your Account.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 4\nPayments.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 8\nInterest Charges.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 13\nMinimum Interest Charge .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 16\nIncreased Penalty\nAnnual Percentage Rate. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 16\nAccount Fees.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 17\nDefault/Collection.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 18\nClosing Your Account.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19\nNotices/Changes of\nInformation Relating to You.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19\nChanging this Agreement.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19\nTelephone Monitoring and Recording .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20\nCEFCU CURewards\xc2\xae PROGRAM .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20\nQuestions or Concerns\nAbout Your Account .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20\nYour Personal Information.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20\nEnforcing this Agreement.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20\nAssignment.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21\nGoverning Law.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21\nYour Billing Rights.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21\nHelp Us Do Our Best to\nPrevent Credit Card Crime. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 23\nSpecial Rules for\nCalifornia Residents. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 23\nATM Safety Tips.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24\n\n2\n\n\x0cCEFCU MASTERCARD,\nCEFCU REWARDS MASTERCARD,\nAND CEFCU WORLD\nMASTERCARD CARDHOLDER\nAGREEMENT\nACCEPTANCE OF THIS AGREEMENT\nThis CEFCU MasterCard\xc2\xae, CEFCU Rewards MasterCard,\nand CEFCU World MasterCard Cardholder Agreement (\xe2\x80\x9cthis\nagreement\xe2\x80\x9d) contains the terms and conditions which govern your\nCEFCU MasterCard, CEFCU Rewards MasterCard, or CEFCU\nWorld MasterCard Credit Card and account. This agreement\nreplaces all earlier agreements related to the Card and account.\nPlease read the entire agreement and keep it for your records.\nThroughout this agreement, the word \xe2\x80\x9cCard\xe2\x80\x9d means the CEFCU\nMasterCard, CEFCU Rewards MasterCard, or CEFCU World\nMasterCard Credit Card(s) issued by CEFCU to you. The word\n\xe2\x80\x9cCard\xe2\x80\x9d also includes any other access devices, such as account\nnumbers (including virtual account numbers, virtual card numbers\nand digital card numbers hereinafter with your account number\ncollectively referred to as \xe2\x80\x9caccount number\xe2\x80\x9d), and Convenience\nChecks that we have issued to permit you to obtain credit under this\nagreement. The primary cardholder\xe2\x80\x99s account number may differ\nfrom the other cardholder(s)\xe2\x80\x99 account number(s), but all are part\nof the same account. We may issue Cards to renew your current\nCard or substitute and replace it with a different type of Card if your\ncurrent type of Card is discontinued or for other reasons. The word\n\xe2\x80\x9cCard\xe2\x80\x9d also includes any renewal or substitute Card.\nThroughout this agreement, the words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cCEFCU\xe2\x80\x9d\nmean Citizens Equity First Credit Union, the issuer of your Card and\naccount. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the primary cardholder,\nany other cardholder(s) and any person who has been authorized by\nyou to receive and use the Card.\nIf at your request, we used your account to issue supplementary\nCards to others, \xe2\x80\x9cyou\xe2\x80\x9d will also mean each one of you. All of you\nindividually and together agree to be bound by this agreement.\nIn addition, this agreement will be binding on your personal and\nlegal representatives.\nPlease sign the back of your Card when you receive it. You will be\nbound by this agreement even if you don\xe2\x80\x99t sign your Card. If we have\nissued a Card to you; provided you with a renewal or replacement\nCard; or provided you with Convenience Checks, and you keep or\nuse the Card or Convenience Checks, it means that you understand\nand agree to be bound by the terms of this agreement. Your\napplication for a Card and all other disclosure documents which we\nprovide to you form an integral part of this agreement.\n3\n\n\x0cUSING YOUR ACCOUNT\nProvided that your account is in good standing, you may draw on it\nby using your Card, by use of your Card together with your Personal\nIdentification Number (PIN), by use of your account number\nwithout presenting your Card or by use of a CEFCU MasterCard\nConvenience Check provided to you by CEFCU (\xe2\x80\x9cConvenience\nCheck(s)\xe2\x80\x9d and/or other access devices included in the word \xe2\x80\x9cCard\xe2\x80\x9d\nwhen referring herein collectively to the access devices that we\nhave issued to permit you to obtain credit under this agreement)\nwherever the Card or Convenience Checks are accepted or by\nBalance Transfers we allow or by Overdraft Protection we approve\nand up to the maximum amount we have set as your credit limit.\nWe are not responsible for refusal by anyone to accept your Card\nor Convenience Check. You promise to use your account only for\nvalid and lawful transactions. You agree not to use your account\nfor internet gambling transactions or any illegal purpose or illegal\ntransaction. Any such use by you will constitute (i) a waiver by\nyou of any right to sue CEFCU respecting any such gambling\ntransaction, illegal purpose or illegal transaction by you and (ii)\nyour agreement to indemnify and hold CEFCU free and harmless\nfrom and against any suits or other legal action or liability, directly or\nindirectly, resulting from such gambling transaction, illegal purpose\nor illegal transaction by you. It is not our responsibility to make sure\nthat you use your account only for permissible transactions, and you\nwill remain responsible for paying for a transaction even if it is not\npermissible. You authorize us to pay for and charge your account for\nall transactions made on your account.\n\nTypes Of Transactions\n\xe2\x80\xa2 Purchases: You may use your Card to pay for goods or services.\n\xe2\x80\xa2 Convenience Checks: We may provide you with Convenience\nChecks as a way to use your account. All transactions using\nConvenience Checks will be treated as Cash Advances and will\nbe subject to the terms of this agreement that apply to Cash\nAdvances unless you are notified otherwise in a written notice\nfrom CEFCU at the time we provide you with the Convenience\nChecks. Convenience Checks must be ordered through CEFCU.\nOnly a person whose name is printed on a Convenience Check\nmay sign it. All Convenience Checks must be written in U.S.\nDollars. CEFCU will not certify a Convenience Check. CEFCU\nis entitled to return a Convenience Check unpaid if there is not\nenough available credit on your account to pay it, if you are in\ndefault under this agreement, if your Card or Convenience\nChecks have been reported lost or stolen, if the Convenience\nCheck is post-dated (shows a future date), if the Convenience\nCheck is not signed, if the Convenience Check is expired, or if\nthe Convenience Check was not ordered through CEFCU, and\nfor any other reason in our sole discretion. An interest charge\nwill be imposed from the date a Convenience Check is posted\nto your account until the date it is fully paid. A Convenience\n4\n\n\x0cCheck cannot be used to make a payment on your account. Only\nConvenience Checks issued on or after July 1, 2014, that conform\nto the foregoing requirements will be accepted by us.\n\xe2\x80\xa2 Cash Advances: You may use your Card together with a PIN to\nobtain Cash Advances at any Automated Teller Machine (ATM)\nthat allows you to use the Card. You may also obtain Cash\nAdvances from financial institutions, businesses or merchants\nthat accept the Card. If your Card is used to obtain a Cash\nAdvance, you are deemed to have authorized the transaction. If\nyou use the Card to obtain traveler\xe2\x80\x99s checks, foreign currency,\nmoney orders, wire transfers or similar cash-like charges; or to\nobtain lottery tickets, casino gaming chips, race track wagers or\nsimilar gambling transactions, these transactions will be treated\nas Cash Advances.\n\xe2\x80\xa2 Balance Transfers: You may transfer balances from other accounts\nor loans with other credit card issuers or other lenders to your\nCard, or other Balance Transfers we allow. But you may not\ntransfer balances to your Card from other accounts with us. If a\nportion of a requested Balance Transfer will exceed your available\ncredit limit, we may process a partial Balance Transfer up to your\navailable credit limit. A Balance Transfer will be processed by\npayment drawn on the account and made by us directly to the\nother credit card issuers or other lenders.\n\xe2\x80\xa2 Overdraft Protection: If you have requested and we have\napproved Overdraft Protection from the account for a Checking\nAccount maintained with CEFCU (\xe2\x80\x9cChecking Account\xe2\x80\x9d), and\nprovided your account is in good standing, you may draw on\nthe account by making an overdraft transfer from the account to\nthe Checking Account in accordance with the CEFCU Deposit\nAccount Agreement. In addition, your account will be charged\nan Overdraft Transfer Fee for each transfer as set forth in this\nagreement. All funds will be transferred in increments of $100\nand the full amount of the transfer will be treated as a Cash\nAdvance and will be subject to the terms of this agreement that\napply to Cash Advances. You acknowledge and agree that we may\nrefuse an overdraft transfer from the account if the full amount\nof the transfer and the Overdraft Transfer Fee would exceed the\ncredit limit of the account. You further acknowledge and agree\nthat anyone who is authorized to make withdrawals from the\nChecking Account may access your account through Overdraft\nProtection and that person will be an authorized user.\nMail, Telephone, Internet or Other\nCard-Not-Present Purchases\nIf you incur debt on your account without presentation of your Card\n(such as for mail or internet orders, telephone or mobile Purchases),\nyour obligation to us will be the same as if the Card was used.\nAuthorized Users\nIf you allow someone to use your account, that person will be an\nauthorized user. You should think carefully before allowing anyone\nto become an authorized user because you are allowing that person\n5\n\n\x0cto use the account as you can. You will remain responsible for the\nuse of your account and each Card issued on your account according\nto the terms of this agreement. This includes your responsibility\nfor paying all obligations reflecting Purchases and Cash Advances\ncharged to your account by an authorized user.\nYou may request an additional Card for use by an authorized user\non your account. If you do so, this account may appear on the credit\nreport of that authorized user. If you have previously authorized\nsomeone to use your Card or Convenience Checks, and have\nsubsequently withdrawn your authorization, you will continue to be\nliable for all obligations incurred by that person\xe2\x80\x99s use of your Card\nprior to termination of that person\xe2\x80\x99s permission to use your account.\nYou must notify us to terminate an authorized user\xe2\x80\x99s permission to\nuse your account. If you notify us, we may close the account and/or\nissue a new Card or Cards with a different account number.\nAn authorized user\xe2\x80\x99s permission to use your account will be\nconsidered terminated when we close the account and/or issue a\nnew Card or Cards with a different account number. You should also\nrecover and destroy any Cards, Convenience Checks or any other\nmeans of access to your account from that authorized user.\nNot Exceeding Your Credit Limit\nYou agree not to incur any obligations in excess of the credit limit of\nthe account authorized for you by CEFCU. The credit limit will be\nindicated in a separate disclosure document and/or on the cardmailer\naccompanying your Card and/or on your monthly statement.\nYou may ask for a credit limit increase by calling: 1.800.858.3400\nor 309.633.3400.\nIf you exceed your credit limit, CEFCU may: (a) require the\nimmediate payment of the amount in excess of the credit limit; (b)\ncharge your account without waiving its right to demand immediate\npayment of the amount in excess of the credit limit; (c) refuse to\npermit any Purchases, Balance Transfers or Cash Advances in excess\nof the credit limit; and (d) reverse any Purchases, Balance Transfers\nor Cash Advances in excess of the credit limit as a result of the fault of\nthe merchant or person selling the goods or services. This agreement\napplies to any balance over your credit limit. Subject to applicable\nlaw and at our discretion, we may increase, reduce or cancel your\ncredit limit or allow you to exceed your credit limit without giving\nnotice to you. However, if you have asked us not to do so, we will not\nincrease your credit limit. A change to your credit limit will not affect\nyour obligation to pay us. We reserve the right to refuse to honor any\nuse of the Card or Convenience Checks which would cause you to\nexceed your credit limit.\nTransactions In Foreign Currency\nIf you use your Card for transactions in a currency other than\nU.S. Dollars, the transactions will be converted by MasterCard to\nU.S. Dollars, using either (1) a rate selected by MasterCard from\nthe range of rates available in wholesale currency markets for the\n6\n\n\x0capplicable central processing date, which rate may vary from the\nrate MasterCard itself receives or (2) the government-mandated\nrate in effect for the applicable central processing date. The currency\nconversion rate for the applicable central processing date may differ\nfrom the rate in effect at the time of the transaction or on the date\nthe transaction is posted to your account. If a credit is subsequently\ngiven for a transaction and has a different central processing date,\nthen the exchange rate of the credit may be greater or less than\nthat of the original transaction. You agree to accept the converted\namount in U.S. Dollars. In addition, if you use your Card and PIN to\nobtain a Cash Advance at an ATM that involves a multi-national or\nworldwide automated teller machine network switch and involves a\ncurrency other than U.S. Dollars, the transaction will be converted\nto U.S. Dollars, generally using either (1) a government-mandated\nrate, or (2) a wholesale market rate in effect the day before the\ntransaction processing date. The currency conversion rate used\non the processing date may differ from the rate in effect at the\ntime of the transaction or on the date the transaction is posted to\nyour account.\nRefusal To Authorize Transactions\nWe may, but are not required to, decline a transaction on your\naccount because of operational considerations, because your account\nis in default, to protect against potential fraudulent or unlawful\nactivity, or in our discretion, for any other reason.\nShould a transaction on your account be declined either by us or a\nthird party, even if you have sufficient credit available, we will not be\nresponsible for any losses that may result. For online transactions,\nwe may require that you register your account with the \xe2\x80\x9cMasterCard\nSecureCode\xe2\x80\x9d authorization system or such other authorization\nsystem as we may direct to protect you and us. We will notify you if\nwe want you to register. If you do not register, we may not be able to\nhonor your online transactions.\nLoss, Theft Or Unauthorized Use\nYou will inform us immediately by telephone and in writing about\nany actual or suspected loss, theft or unauthorized use of your\nCard, account number, PIN or Convenience Checks. Notify us in\nwriting at CEFCU, P.O. Box 1715, Peoria, Illinois 61656-1715 and\nby phone at 1.800.633.7077 or 309.633.7000, of the loss, theft or\npossible unauthorized use. You agree that we will consider that\nall transactions have been authorized by you until you advise\nus otherwise.\nIf your Card is lost or stolen, you will not be liable for unauthorized\nuse of your Card. However, you must identify for us the unauthorized\ncharges from which you received no benefit. We may ask for your\nassistance with our investigation by providing us information in\nwriting to help us find out what happened.\nKeep Your PIN Confidential\nYou agree to keep your PIN confidential and separate from your\nCard at all times.\n7\n\n\x0cOwnership Of Card\nYou agree that the Card remains the property of CEFCU and will\nbe surrendered to CEFCU on demand; and, that you do not have\nthe right to assign or transfer your rights and obligations under this\nagreement, your account or any Cards to anyone else.\nObserving Your Card\xe2\x80\x99s Expiration Date\nIf your Card contains an expiration date, you agree not to use it or\nany Convenience Checks after such expiration date. If they are used,\nyou agree to pay any debts that are incurred.\nATMs\nThe availability of ATM services and the Cash Advance amount you\ncan withdraw each day may vary from time to time and without\nprior notice to you. We are not liable if ATM services are not\navailable or for any loss or damage you may suffer because of your\nuse of an ATM.\n\nPAYMENTS\nProviding You With Account Statements\nWe will send you a monthly account statement if there have been\ntransactions during the last month or if you owe us any money on\nthe account. The number of days covered by each account statement\nmay vary (normally between 28 and 33 days) as a result of several\nfactors, including holidays, weekends and the different number of\nbusiness days in each month. We will send account statements only\nto the primary cardholder at the most current statement mailing\naddress that we have on file. The statement shall be conclusively\ndeemed correct and accepted by you unless CEFCU receives a\nproper written notification of a billing error within 60 days of the\nfirst mailing or delivery to you of the monthly statement on which\nthe disputed item(s) or amount(s) is/are reflected.\nRepaying Your Obligations\nWhen you access your account in a manner that we permit, or when\nyou authorize others to use it, you will incur an obligation. You agree\nto pay all obligations reflecting Purchases, Balance Transfers and\nCash Advances charged to your account because of authorized use\nof the Card by you and/or any person authorized by you to use the\nsame upon presentment of such obligations to CEFCU. The primary\ncardholder agrees that, whether or not the other cardholder(s) is/are\na member of CEFCU and whether or not the other cardholder(s)\xe2\x80\x99\nCard(s) has/have a separate number and/or is/are embossed with the\nother cardholder(s)\xe2\x80\x99 name, he or she is primarily liable for paying\nall obligations reflecting Purchases, Balance Transfers and Cash\nAdvances charged to the account. We will add a Finance Charge, fees\nand other applicable charges to your obligations and these amounts\nwill form part of your obligations. You agree to pay CEFCU for all\nsuch obligations, at such place as CEFCU designates, with applicable\ninterest charges and any Fees that may be due, in accordance with\nbillings and the current Extended Payment Schedule. Interest\n8\n\n\x0ccharges shall continue to accrue until the principal balance is paid\nin full. You may prepay your New Balance in full without penalty.\nKeeping Your Account In Good Standing\nWhen you incur obligations on your account, we will send you\nan account statement which will indicate the payment due date. If\nyou do not repay your obligations in full by the payment due date,\nyou agree to make the minimum monthly payment which we will\nindicate on your account statement. A Minimum Payment will\nappear on your account statement and payment of not less than the\namount thereof must be made within 25 days after the Statement\nDate. The Minimum Payment will be the sum of (i) the amount\ndetermined in accordance with the following Extended Payment\nSchedule (Preliminary Minimum Payment), (ii) any amount past\ndue, and (iii) any amount by which your New Balance exceeds your\nauthorized credit limit. Extended Payment Schedule: If the New\nBalance is $10.00 or less, the Preliminary Minimum Payment will\nbe the New Balance in full. If the New Balance is more than $10.00,\nthe Preliminary Minimum Payment will be 3% of the New Balance,\nor $10.00, whichever is greater. Any past due or over credit limit\namount must be paid as soon as you receive your account statement.\nApplying Your Payments\nYour payment will be applied in a manner we determine. Subject\nto applicable law, we will apply your payment amounts in excess of\nyour minimum payment (to the extent sufficient) to pay balances\nwith higher interest charges before applying it to balances with lower\ninterest charges. Subject to applicable law, we may adjust from time\nto time the date we use to determine the applicable interest rates\nand balances for applying your payment amounts in excess of your\nminimum payment. Notwithstanding the foregoing, if a balance on\nyour account is subject to deferred interest or a similar program\nunder which you are not obligated to pay interest on that balance if\nyou pay that balance in full within a specified period, we will apply\nyour payment amounts in excess of your minimum payment during\nthe two billing cycles immediately preceding the expiration of that\nspecified period (to the extent sufficient) to pay that balance. Subject\nto applicable law, we reserve the right to change the order in which\nwe apply payments. The sooner you pay the New Balance, the less\nyou will pay in interest charges.\nAcceptance Of Late Or Partial Payments\nWe may delay enforcing our rights under this agreement and may\naccept late payments, partial payments and payments marked as\n\xe2\x80\x9cpaid in full\xe2\x80\x9d or containing similar wording without losing any rights\nthat we have under this agreement or by law, including the right to\nrecover in full all amounts that you owe to us on your account.\nSkip Payment Option\nWe may, at our option, allow you to skip a payment from time to\ntime. You will be notified in advance of when this option is available\nto you. You may continue to make regular payments as determined\nin this agreement and/or additional payments if you wish and you\n9\n\n\x0cwill reduce the amount of interest charges that you will have to pay\nif you do so. If you exercise the skip payment option when it is made\navailable to you, you will not be charged a Late Fee for those payments\nskipped. However, if you exercise the skip payment option when it\nis made available to you, interest charges and insurance premiums,\nif any, will continue to accrue on the entire unpaid balance of your\naccount during that skip payment period in accordance with this\nagreement. The statement sent to you immediately following the\nskip payment period will indicate the Minimum Payment due.\nAt that time, your Minimum Payments will return to the amount\ncomputed in accordance with the terms of this agreement and be\ndue on the due dates as specified in this agreement.\nApplying Credit Receipts\nIf you use your Card or Convenience Checks for a transaction which\nis subsequently canceled and you are given a credit receipt, we will\ncredit your account by the amount shown on the credit receipt within\nthree (3) business days after our receipt of the credit transaction. The\ncredit will be processed as of the posting date, not the transaction\ndate for purposes of the Average Daily Balance calculation.\nCredit Balances\nYou may request a refund of a credit balance at any time. We may\nreduce the amount of any credit balance by the amount of new\ncharges or fees billed to your account. We will not pay you interest\non any credit balances. If your account has a credit balance for four\n(4) or more consecutive statements we may refund the credit balance\nto your Savings account with us.\nRight To Offset\nIf you have more than one account with us, and if any one of your\naccounts is not in good standing, you agree that we may offset your\ncredit balance against the balance of the account which is not in\ngood standing.\nPre-Authorized Debits\nYou may authorize a third party to automatically charge your account\nfor repeat transactions by way of a pre-authorized debit (for example,\nmonthly utility charges, memberships and insurance premiums).\nIf pre-authorized debits are stopped for any reason (including\nbecause your account is closed or suspended for any reason), you\nare responsible for notifying the biller and paying these charges\ndirectly. If your Card or account information changes: (a) you are\nresponsible to provide your new Card and account information to\nthird parties to continue your pre-authorized debits; (b) we may, but\nare not required to, provide your new Card and account information\nto third parties to continue your pre-authorized debits; and, (c) we\nmay, but are not required to, pay from your new account number\ncharges that you authorized to be billed to your old account number.\nPromotions\nFrom time to time we may offer special terms for your account. If\nwe do, we will notify you about the terms of the offer and how long\n\n10\n\n\x0cthey will be in effect. Any promotion is subject to the terms of this\nagreement, as modified by the promotional offer.\nMaking Payments\nPayment can be made by you by the following methods:\n\xe2\x80\xa2 Payment by mail or in person at any CEFCU office.\n\xe2\x80\xa2 Payment by automatic transfer from your CEFCU Savings or\nChecking Account in accordance with your written authorization\nexecuted by you either pursuant to CEFCU\xe2\x80\x99s Credit Card\nAutomatic Transfer/Payment Program (the \xe2\x80\x9cCredit Card\nATP Program\xe2\x80\x9d) or using CEFCU\xe2\x80\x99s standard Authorization/\nCancelation of Automatic Transfers Form (the \xe2\x80\x9cALC Program\xe2\x80\x9d).\nIf you have authorized payment through the Credit Card ATP\nProgram, then the amount you have specified in the Credit\nCard ATP Program, whether (a) the Minimum Payment, (b)\na Fixed Monthly Amount, or (c) the New Balance in full, will,\nsubject to the availability of sufficient funds in your designated\nSavings or Checking Account, be transferred in accordance with\nthe Credit Card ATP Program on the next succeeding transfer\ndate specified in your Credit Card ATP Program authorization\nunless (i) the statement shows an account balance of zero dollars\nand no payment due or (ii) you make written request to CEFCU\nnot less than three (3) business days prior to the scheduled date\nof the transfer. If you have authorized payment through the\nALC Program, then the amount you have specified in the ALC\nProgram transfer authorization will, subject to the availability of\nsufficient funds in your designated Savings or Checking Account,\nbe transferred in accordance with the ALC Program transfer\nauthorization unless you make written request to CEFCU not\nless than three (3) business days prior to the scheduled date of\ntransfer. If the amount transferred in accordance with the Credit\nCard ATP Program or your ALC Program transfer authorization\nis less than the Minimum Payment, you agree to pay the balance\nof the Minimum Payment. You acknowledge that the Credit Card\nATP Program and the ALC Program are offered as a convenience\nto CEFCU members and each is optional. If you have executed a\nCredit Card ATP Program request or an ALC Program transfer\nauthorization, you have authorized and directed CEFCU to make\ntransfers in accordance with that request. It is understood that\nif you have executed a Credit Card ATP Program request or an\nALC Program transfer authorization, unless your participation in\neither Program has been terminated in accordance with the terms\nof that Program, the request or authorization will remain in full\nforce and effect until you cancel the request or authorization by\nwritten notice to CEFCU at least three (3) business days prior to\nthe next scheduled transfer date.\n\xe2\x80\xa2 Payment by automated means using a Money Center 24\xc2\xae ATM,\nFast Track Teller, or the Touch-Tone Teller Program; or, you may\nuse the CEFCU On-Line\xc2\xae Program or Mobile Banking Program\nfor either (1) an internal transfer from your CEFCU Savings, My\nUse, Holiday Saver, Checking, or Insured Money Market Account\nto your CEFCU credit card account, or (2) an external transfer,\n11\n\n\x0cfrom an account you hold at another financial institution to your\nCEFCU credit card account (subject to the terms and availability\nat the other financial institution).\n\xe2\x80\xa2 Payment by transfer you authorize CEFCU to make from your\nCEFCU Savings, My Use, Holiday Saver, Checking, or Insured\nMoney Market Account pursuant to a telephone request you make\nfor a specific transfer by calling 1.800.633.7077 or 309.633.7000.\n\xe2\x80\xa2 Payment by Tel-Entry transaction (ACH transfer from an account\nat another institution), subject to the terms and availability at the\nother financial institution.\n\xe2\x80\xa2 Payment by your online debit from your account at another\nfinancial institution, subject to the terms and availability at the\nother financial institution.\n\xe2\x80\xa2 Payment by Auto Pay debit from your account at another\nfinancial institution (subject to the terms and availability at the\nother financial institution) each month on the Payment Due Date\nfor: (i) the current month\xe2\x80\x99s Minimum Payment due; (ii) the full\nBalance; or, (iii) a fixed payment amount. If you select this Auto\nPay option, there is an additional Auto Pay service authorization\nform that you will need to request, sign and return to us before\nwe can process payments automatically. If you select this Auto Pay\noption, you agree to pay CEFCU\xe2\x80\x99s applicable Auto Pay fee, if any.\nYou may notify us in accordance with the terms of this form if you\nwish to revoke your authorization for Auto Pay.\nCrediting Payments\nA payment made by mail, by telephone transfer, or by electronic\nmeans will, if received by 5:00 p.m. (CT), be credited to your account\nas of the calendar day it is received; a payment made in person at a\nCEFCU office with the direct assistance of or to a CEFCU employee\nwill, if made before the close of business of that office, be credited\nto your account on the calendar day made; and, a payment made\nusing the Credit Card ATP Program or the ALC Program will be\ncredited to your account on the date of the transfer. A payment made\nby mail must be sent by first class mail postage prepaid to the address\nspecified in your periodic statement and only checks or money\norders should be sent by mail. Payments made by mail or in person\nat a CEFCU office must be accompanied by the specified detachable\nportion of your statement or a separate writing setting forth your\nname and correct Credit Card Account Number. All payments must\nbe made in U.S. Dollars. A payment made by mail at an address\nother than the address specified in your periodic statement and/or\na payment made that does not otherwise conform to the foregoing\nrequirements that is accepted by us may result in a delay in crediting\nyour account, but in no event more than five (5) days from the\ndate of receipt, and may subject you to additional interest and Late\nPayment Fees. A payment made by any of the methods stated in\nthe \xe2\x80\x9cMaking Payments\xe2\x80\x9d section of this agreement will result in an\nincrease to your available credit within two Business Days after the\ndate your payment is credited to your account. For purposes of this\nsection, Business Days means Monday through Friday (except for\n12\n\n\x0cdays our offices are not open and except for Christmas Eve Day). The\nclosing date of the billing cycle is referred to as the \xe2\x80\x9cStatement Date\xe2\x80\x9d\nand will be specified on your statement. All Payments, Credits, Cash\nAdvances, and Purchases made after the Statement Date will appear\non your next statement.\n\nINTEREST CHARGES\nThe Conditions Under Which Interest Charges\nWill be Imposed\nCash Advances/Convenience Checks. We will begin charging\ninterest on Cash Advances on the transaction date, unless the Cash\nAdvance transaction is not posted to your account until a date in\na billing cycle beginning after the billing cycle in which the Cash\nAdvance transaction occurred, and, in that event, interest will be\nimposed from the first day of the billing cycle in which the Cash\nAdvance transaction is posted to your account, and will continue\nuntil the date payment is received by CEFCU. Any Cash Advance\nyou obtain on your account and any transaction by which you\npurchase items that are directly convertible to cash will constitute\nCash Advances. Examples of such transactions are the purchase of\nmoney orders, wire transfer money orders, casino gaming chips,\nopening deposits, traveler\xe2\x80\x99s checks, and foreign currency. Unless\notherwise provided in a written notice from CEFCU to you sent\nwith the Convenience Check issued on or after July 1, 2014, all\nConvenience Check transactions are considered Cash Advances.\nThere is no time period within which to avoid this interest charge.\nPurchases and Balance Transfers. Your due date is at least 25 days\nafter the close of each billing cycle. We will not charge you any\ninterest on Purchases and Balance Transfers if you pay your entire\nbalance by the due date each month. If you do not pay your entire\nbalance by the due date, interest will be imposed from the date the\nPurchase or Balance Transfer transaction occurs, unless the Purchase\nor Balance Transfer transaction is not posted to your account until a\nlater billing cycle in which event interest on that Purchase or Balance\nTransfer will be imposed from the first day of the billing cycle in\nwhich it is posted to your account, and will continue until the date\npayment is received by CEFCU. Interest charge will also be imposed\non Purchases and Balance Transfers included in the New Balance\nwhen the New Balance is not paid in full within 25 days after the\nStatement Date.\nThe Method Of Determining The Balance Subject\nTo Interest Rate\nInterest charge will be imposed on the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nCash Advances, the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Balance Transfers\nand the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your account,\nincluding current transactions (those occurring since your last\nbilling statement). We figure the interest charge on your account\nby applying the periodic rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nyour account (including current transactions). To get the \xe2\x80\x9cAverage\n13\n\n\x0cDaily Balance\xe2\x80\x9d for Purchases, for Balance Transfers and for Cash\nAdvances, separately, we take the beginning balance of Purchases,\nthe beginning balance of Balance Transfers and the beginning\nbalance of Cash Advances on your account each day, add any\nnew Purchases occurring on that day, any new Balance Transfers\noccurring on that day, and any new Cash Advances occurring that\nday, and subtract any Payments, Credits, unpaid interest charges, and\nany unpaid Fees. In determining the balance of Purchases on your\naccount each day, any Purchase that occurred in a prior billing cycle\nbut was not posted to your account until a subsequent billing cycle\nwill be included in the Purchases balance starting with the first day\nof the billing cycle in which that Purchase is posted to your account.\nIn determining the balance of Balance Transfers on your account\neach day, any Balance Transfer that occurred in a prior billing cycle\nbut was not posted to your account until a subsequent billing cycle\nwill be included in the Balance Transfers balance starting with the\nfirst day of the billing cycle in which that Balance Transfer is posted\nto your account. In determining the balance of Cash Advances on\nyour account, any Cash Advance that occurred in a prior billing\ncycle but was not posted to your account until a subsequent billing\ncycle will be included in the Cash Advances balance starting with\nthe first day of the billing cycle in which that Cash Advance was\nposted to your account. For any special promotional offers then in\neffect, we figure the portion of the interest charge on your account\nattributable to the special promotional offer by applying the periodic\nrate for the special promotional offer to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nof the special promotional offer. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nfor any special promotional offer we take the beginning balance\nfor the special promotional offer on each day, add any new special\npromotional offer transactions occurring that day, and subtract any\npayment or credit applied to the special promotional offer on that\nday. In determining the balance of any special promotional offer on\neach day, any special promotional offer transaction that occurred\nin a prior billing cycle but was not posted to your account until a\nsubsequent billing cycle will be included in the special promotional\noffer balance starting with the first day of the billing cycle in which\nthat special promotional offer transaction was posted to your\naccount. This gives us the daily balance for Purchases, the daily\nbalance for Balance Transfers, the daily balance for Cash Advances\n(credit balances are considered to be $0) and the daily balance for\nspecial promotional offers. Then, all the daily balances for the billing\ncycle are added separately for Purchases, for Balance Transfers,\nfor Cash Advances and for special promotional offers and each is\ndivided by the total number of days in the billing cycle. This gives\nus the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for Purchases, Balance Transfers,\nCash Advances and special promotional offers for the billing\ncycle. When the same Monthly Periodic Rate and corresponding\nANNUAL PERCENTAGE RATE applies to more than one type of\ntransaction, a single computation for the types of transaction with\nthe same Monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE will be made.\n\n14\n\n\x0cThe Method Of Determining The Amount\nOf The Interest Charge\nInterest charge will be computed separately for Purchases, Balance\nTransfers and for Cash Advances by applying the Monthly Periodic\nRate for Purchases to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, the\nMonthly Periodic Rate for Balance Transfers to the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d of Balance Transfers and the Monthly Periodic Rate for\nCash Advances to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances.\nThe Monthly Periodic Rate will be a VARIABLE PERIODIC RATE.\nThe VARIABLE PERIODIC RATE is determined in part by the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d and in part by a \xe2\x80\x9cMargin\xe2\x80\x9d. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d as published under \xe2\x80\x9cMoney Rates\xe2\x80\x9d in The Wall Street\nJournal on the computation dates. The computation dates will be\nDecember 1, March 1, June 1, and September 1 (or if such dates do\nnot fall on a Business Day, the first publication day thereafter). The\n\xe2\x80\x9cMargin\xe2\x80\x9d means certain percentage points. The \xe2\x80\x9cMargin\xe2\x80\x9d will differ\nfor Purchases, for Balance Transfers and for Cash Advances and are\nbased on your creditworthiness. The initial Monthly Periodic Rate\nand corresponding ANNUAL PERCENTAGE RATE for Purchases,\nthe initial Monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE for Balance Transfers, and the initial Monthly\nPeriodic Rate and corresponding ANNUAL PERCENTAGE RATE\nfor Cash Advances for your account and the \xe2\x80\x9cMargin\xe2\x80\x9d for Purchases,\nthe \xe2\x80\x9cMargin\xe2\x80\x9d for Balance Transfers, and the \xe2\x80\x9cMargin\xe2\x80\x9d for Cash\nAdvances for your account are disclosed in the Account-Opening\nDisclosure Statement accompanying this agreement which is\nincorporated by reference and made a part of this agreement by this\nreference thereto. That \xe2\x80\x9cMargin\xe2\x80\x9d for Purchases, that \xe2\x80\x9cMargin\xe2\x80\x9d for\nBalance Transfers and that \xe2\x80\x9cMargin\xe2\x80\x9d for Cash Advances will apply to\nyour account on each computation date thereafter. The VARIABLE\nPERIODIC RATE for Purchases will be revised quarterly on the\ncomputation dates and will be the sum of the \xe2\x80\x9cPrime Rate\xe2\x80\x9d on each\ncomputation date plus the \xe2\x80\x9cMargin\xe2\x80\x9d for Purchases. The VARIABLE\nPERIODIC RATE for Balance Transfers will be revised quarterly on\nthe computation dates and will be the sum of the \xe2\x80\x9cPrime Rate\xe2\x80\x9d on\neach computation date plus the \xe2\x80\x9cMargin\xe2\x80\x9d for Balance Transfers. The\nVARIABLE PERIODIC RATE for Cash Advances will be revised\nquarterly on the computation dates and will be the sum of the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d on each computation date plus the \xe2\x80\x9cMargin\xe2\x80\x9d for Cash\nAdvances. The Monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE current as of each monthly account statement\nand the \xe2\x80\x9cMargin\xe2\x80\x9d for Purchases, the \xe2\x80\x9cMargin\xe2\x80\x9d for Balance Transfers\nand the \xe2\x80\x9cMargin\xe2\x80\x9d for Cash Advances are disclosed on your monthly\naccount statement. An increase in the Prime Rate may result in an\nincrease in the Monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE for your account. A decrease in the Prime\nRate may result in a decrease in the Monthly Periodic Rate and\ncorresponding ANNUAL PERCENTAGE RATE for your account.\nIf a change in the Prime Rate occurs on a computation date, the\nnew VARIABLE PERIODIC RATES will apply to the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d of Purchases, to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Balance\nTransfers and to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances\nas calculated on your statement billed on or after the first day of\n15\n\n\x0cthe quarter following the computation date. For purposes of this\nagreement, the quarters begin on the first day of January, April, July\nand October. The VARIABLE PERIODIC RATES are divided by 12\nto determine the \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d.\nIf the Monthly Periodic Rate increases, you will pay more in interest\ncharges than had it not increased and both the number of minimum\nmonthly payments required to pay the account balance and the\namount of each minimum monthly payment may increase. The\nMonthly Periodic Rate for Purchases, for Balance Transfers and for\nCash Advances will never be greater than the lesser of (1) 2.49917%\n(corresponding ANNUAL PERCENTAGE RATE is 29.99%) or (2)\nthe maximum rate permitted by applicable law.\n\nMINIMUM INTEREST CHARGE\nIf interest charges are being added to your account, but the total\nof such interest charges for Purchases, Balance Transfers and Cash\nAdvances is less than $.50, we assess a minimum interest charge of\n$.50. If more than one type of transaction is assessed an interest\ncharge, we add the minimum interest charge to any such transaction\nat our discretion.\n\nINCREASED PENALTY\nANNUAL PERCENTAGE RATE\nIf you fail to make a payment equal to or greater than the Minimum\nPayment due on your statement within sixty (60) days after the\nPayment Due Date for that payment, the ANNUAL PERCENTAGE\nRATE for Purchases will be computed by adding 17.75% to the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU MasterCard and 18.75% to\nthe \xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU Rewards MasterCard or\nCEFCU World MasterCard, the ANNUAL PERCENTAGE RATE\nfor Balance Transfers will be computed by adding 17.75% to the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU MasterCard and 18.75% to\nthe \xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU Rewards MasterCard or\nCEFCU World MasterCard, and the ANNUAL PERCENTAGE\nRATE for Cash Advances will be computed by adding 20.75% to\nthe \xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU MasterCard and 21.75%\nto the \xe2\x80\x9cPrime Rate\xe2\x80\x9d if you have a CEFCU Rewards MasterCard or\nCEFCU World MasterCard and will be effective on the \xe2\x80\x9ceffective\ndate.\xe2\x80\x9d The \xe2\x80\x9ceffective date\xe2\x80\x9d will be 45-60 days after you are provided\nwritten notice sent after the Minimum Payment is more than 60\ndays late. These ANNUAL PERCENTAGE RATES will terminate\nnot later than six (6) months after the \xe2\x80\x9ceffective date\xe2\x80\x9d if you make the\nMinimum Payment due on your monthly statements on or before\nthe Payment Due Dates during that period. If you do not make\nthe Minimum Payments due on your monthly statements on or\nbefore the Payment Due Dates during that period, these ANNUAL\nPERCENTAGE RATES will remain in effect until you have made\nsix (6) consecutive payments equal to or greater than the Minimum\n16\n\n\x0cPayment due on your monthly statements on or before the Payment\nDue Dates on your monthly statements. After the rates are no longer\nin effect, the Monthly Periodic Rates and corresponding ANNUAL\nPERCENTAGE RATES will be changed to the then applicable rates\nas determined by this agreement. The increased penalty Monthly\nPeriodic Rate for Purchases, the increased penalty Monthly Periodic\nRate for Balance Transfers and the increased penalty Monthly\nPeriodic Rate for Cash Advances will never be greater than the lesser\nof (1) 2.49917% (corresponding ANNUAL PERCENTAGE RATE is\n29.99%) or (2) the maximum rate permitted by applicable law.\n\nACCOUNT FEES\nLate Payment Fee\nYou agree to pay CEFCU a Late Payment Fee of the lesser of $25.00\nor the amount of the Minimum Payment due immediately prior to\nthe assessment of the Late Payment Fee if a payment equal to or\ngreater than the Minimum Payment due on your monthly statement\nis not made on or before the Statement Date following the Payment\nDue Date on your monthly statement. Only one Late Payment Fee\nwill be imposed for any one overdue payment.\nForeign Transaction Fee\nIf you use your Card for an international transaction which is defined\nas a transaction where the country in which the transaction was\ncompleted i.e., location of the merchant, ATM, financial institution\nor business, is other than the United States, Puerto Rico and the\nU.S. Virgin Islands, even if the transaction currency is the U.S.\nDollar, you agree to pay CEFCU a Foreign Transaction Fee (\xe2\x80\x9cFTF\xe2\x80\x9d)\nof 1% of the amount of each transaction. The FTF will apply to\nall international purchases, credit vouchers, and Cash Advances\nand reversal transactions. (The FTF does not apply to World\nMasterCard accounts.)\nCash Advance Fee\nYou agree to pay CEFCU a fee of $1.00 for each advance if you\nuse your Card and PIN to obtain a Cash Advance at a non-Money\nCenter 24 ATM.\nOverdraft Transfer Fee\nYou agree to pay CEFCU a fee of $8.00 for each overdraft transfer\nmade from your account to your CEFCU Checking Account.\nCopy Request Fee\nYou agree to pay CEFCU a fee of $2.00 for each copy of a monthly\nstatement, a sales draft, a Cash Advance receipt, or a Convenience\nCheck you request unaccompanied by an allegation of error.\nReturned Convenience Check Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Convenience Check for each Convenience Check presented to\nCEFCU for payment which CEFCU does not pay.\n\n17\n\n\x0cReturned Payment Check Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Minimum Payment due immediately prior to the date on\nwhich the payment is returned to us for each payment you present\nto CEFCU by personal check, to make a payment on your account\nthat is returned unpaid.\nACH Returned Payment Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Minimum Payment due immediately prior to the date on\nwhich the payment is returned to us for each payment made on your\naccount by ACH transfer from an account at another institution or\nother electronic means originated by you that is returned unpaid.\nConvenience Check Stop Payment Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Convenience Check for each Convenience Check on which\nyou stop payment.\nBalance Transfer Stop Payment Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Balance Transfer payment for each Balance Transfer payment\ndrawn on your account at your request on which you stop payment.\nACH Origination Tel-Entry Return Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount of\nthe Minimum Payment due immediately prior to the date on which\nthe payment is returned to us for each ACH origination Tel-Entry\n(ACH transfer from an account at another financial institution) to\nmake a payment on your account that is returned unpaid.\nAuto Pay Return Fee\nYou agree to pay CEFCU a fee of the lesser of $25.00 or the amount\nof the Minimum Payment due immediately prior to the date on\nwhich the payment is returned to us for each debit to your Savings or\nChecking account at another financial institution to make a payment\non your account that is returned unpaid.\n\nDEFAULT/COLLECTION\nWe may close your account and require you to return your Card and\nto pay your total obligations immediately and without prior notice\nif CEFCU is served with any garnishment, attachment, execution or\nother process is issued against you, or in the event of your death,\ninsolvency or bankruptcy; or if you fail to honor any term of this\nagreement, including failing to make any payment when it is due or\nusing the Card or account for an illegal purpose or transaction. If\nwe require the services of a third party to collect the obligations you\nowe to us, or to retrieve the Card or Convenience Checks from you,\nwe may add the cost of these services to your obligations and you\nagree that you will pay us all of these costs relating to the collection\nor retrieval which we may incur, including reasonable attorneys\xe2\x80\x99 fees\n\n18\n\n\x0cand legal expenses. Interest charges shall continue to accrue until the\nprincipal balance is paid in full.\n\nCLOSING YOUR ACCOUNT\nYou can cancel this agreement and close your account at any time by\nadvising us in writing. Except as otherwise prohibited by law, we may\ncancel, suspend, or not renew your account or otherwise withdraw\nyour rights with respect to the account for any reason, at any time,\nwithout notice to you. If you cancel this agreement or if we withdraw\nyour rights, we may require you to immediately pay all obligations\nand destroy the Card and any Convenience Checks or other means\nto access your account or return them to us upon request. You\nwill continue to be responsible for charges to your account even if\nthey are made or processed after you cancel this agreement or we\nwithdraw your rights. Until you pay us the obligations in full, this\nagreement will remain in effect.\n\nNOTICES/CHANGES OF\nINFORMATION RELATING TO YOU\nWe will send Cards, account statements and other notices to you at\nthe most current mailing address shown in our files. If you change\nyour name, address, or other information that we may need to keep\nour records up to date, you will promptly tell us in writing, or by any\nother means which we may permit.\n\nCHANGING THIS AGREEMENT\nWe may change this agreement at any time. The amendment may\nchange the rates, charges, fees, or other terms of this agreement and\ncan, to the extent the law permits, and indicated in the notice to\nyou, apply to all outstanding unpaid indebtedness and to any future\ntransactions on your account. We may add or delete any term of\nthis agreement. If required by law, we will give you advance written\nnotice of the change(s) and a right to reject the change(s). Notice of\nan amendment will, except as otherwise required by law, be given\nto you at least fifteen (15) calendar days before the effective date of\nthe amendment. Notice of the amendment may, except as otherwise\nrequired by law, be given in The Teller, or other similar, regular\nmember communication sent to you, by notice in any flyer sent to\nyou, whether individually or with monthly statements, by including\nsame on any monthly statement sent to you or by any combination\nof the foregoing.\n\n19\n\n\x0cTELEPHONE MONITORING AND RECORDING\nWe, and if applicable, our agents, may listen to and record your\ntelephone calls with us for our mutual protection and to confirm\nour discussions and agreements with you. You agree that we, and\nif applicable, our agents, may do so, whether you or we initiate the\ntelephone call.\n\nCEFCU CURewards\xc2\xae PROGRAM\nIf you enroll in the CEFCU CURewards\xc2\xae Program (\xe2\x80\x9cProgram\xe2\x80\x9d)\nand are issued a CEFCU Rewards MasterCard or CEFCU World\nMasterCard, your Card allows you to earn points which can be\nredeemed for merchandise, travel opportunities and other rewards.\nThe CEFCU Rewards MasterCard or World MasterCard Rewards\nGuide (\xe2\x80\x9cGuide\xe2\x80\x9d) contains the Program rules and conditions of your\nparticipation in the Program. The Program and Guide are subject to\nchange from time to time, without notice to you. The current Guide\nis available at any CEFCU Member Center or can be requested by\ncontacting CEFCU.\n\nQUESTIONS OR CONCERNS\nABOUT YOUR ACCOUNT\nIf you have a question or concern about your account, please contact\nus by telephone toll-free at: 1.800.633.7077 or at 309.633.7000.\n\nYOUR PERSONAL INFORMATION\nYou agree that CEFCU may release personal data and information\nconcerning you to MasterCard International, the members of\nMasterCard International, or their respective contractors for the\npurpose of providing Emergency Cash and Emergency Card\nreplacement services and to credit reporting agencies, to the extent\nnot otherwise prohibited by Federal or State law.\nYou agree that CEFCU may release personal data and information\nconcerning you, your account and transactions on your account\nto its contractors and/or service providers as necessary to effect,\nadminister or enforce a transaction on your account that you\nrequested or authorized and/or in connection with maintaining or\nservicing your account and/or to the extent permitted or required\nby Federal or State law.\n\nENFORCING THIS AGREEMENT\nWe can delay enforcing or not enforce any of our rights under this\nagreement without losing our right to enforce them in the future. If\nany of the terms of this agreement are found to be unenforceable, all\nother terms will remain in full force.\n20\n\n\x0cASSIGNMENT\nWe may transfer any or all of our rights under this agreement, by\nway of assignment, sale or otherwise. If we do, we may disclose\nyour personal information and other information concerning your\naccount to anyone to whom we transfer our rights. You consent to us\nsharing your personal information in this manner.\n\nGOVERNING LAW\nThis agreement is made in Peoria, Illinois and will be governed by\nand interpreted in accordance with the laws of the State of Illinois\nand the Federal laws applicable therein, without regard to conflict\nof laws provisions. You agree that Peoria, Illinois is the appropriate\njurisdiction for all actions brought by you or by us in respect to\nthis agreement and the relationship contemplated herein. You\nalso agree that it is appropriate for us to commence an action in\nPeoria, Illinois in respect of the recovery of amounts due pursuant\nto this agreement.\n\nYOUR BILLING RIGHTS\nKeep This Notice For Future Use\nThis notice tells you about your rights and our responsibilities under\nthe 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:\n\t\tCEFCU\n\t\t P.O. Box 1715\n\t\t Peoria, Il 61656-1715\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\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 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. Your written\nnotice of a billing error must be submitted on something other than\nyour payment coupon. You may call us, but if you do we are not\n21\n\n\x0crequired to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\tWithin 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.\t Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct. While we\ninvestigate 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 The 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 are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\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\nfees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as\ndelinquent 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 to\npay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50.00 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\npurchased with your Credit Card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\n\n22\n\n\x0cTo use this right, all of the following must be true:\n1.\t The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50.00. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor services.)\n2.\t You must have used your Credit Card for the purchase. Purchases\nmade with Cash Advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at:\n\t\tCEFCU\n\t\t P.O. Box 1715\n\t\t Peoria, Il 61656-1715\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n\nHELP US DO OUR BEST TO\nPREVENT CREDIT CARD CRIME\nReport your lost or stolen Credit Card(s) to us immediately, call\n1.800.633.7077 or 309.633.7000. Please call or stop by a CEFCU\nMember Center to report any unauthorized use. If you cannot do\neither, write to:\n\t\tCEFCU\n\t\t P.O. Box 1715\n\t\t Peoria, Il 61656-1715\nPlease Retain This Copy of Your Agreement For Future Reference.\n\nSPECIAL RULES FOR\nCALIFORNIA RESIDENTS\nIf you are a California resident, our right to recover any credit\nextended through the use of your Credit Card in making purchases\nfrom a retailer is subject to good faith defenses which you have\nproperly asserted as a buyer under California law against the retailer\nfrom whom you made the purchases if: (a) the purchase price of\nthe item as to which a defense is asserted exceeds $50.00; (b) the\npurchase was made within the State of California; (c) you have made\na written demand upon the retailer with respect to the purchase and\n23\n\n\x0cattempted in good faith to obtain reasonable satisfaction from the\nretailer, and (d) you give us written notice specifying the retailer, the\ndate of purchase, the purchase price, the goods or services purchased,\nthe nature of your defense with respect to the transaction, as well as\nthe action which you have taken in attempting to obtain satisfaction\nfrom the retailer.\n\nATM Safety Tips\nUse these safety tips and your common sense to help protect yourself\nand your CEFCU account(s) when using an ATM.\n\xe2\x80\xa2 Have your card in hand before you approach an ATM. Choose\nonly well-lit ATMs, and park close to the machine. Always have\nsomeone accompany you when using an ATM at night.\n\xe2\x80\xa2 Memorize your Personal Identification Number (PIN), and never\nwrite it on your card, keep it in your wallet, or reveal it to anyone.\n\xe2\x80\xa2 Be aware of anything suspicious \xe2\x80\x94 trust your instincts. If\nsomething doesn\xe2\x80\x99t look right on the machine or you feel\nuncomfortable, cancel your transaction immediately and leave.\n\xe2\x80\xa2 Don\xe2\x80\x99t agree to cash or deposit a check for anyone \xe2\x80\x94 even someone\nyou know.\n\xe2\x80\xa2 Keep your car doors locked and engine running when using a\ndrive-up ATM. Be sure all windows, except your own, are closed.\n\xe2\x80\xa2 Pocket your money immediately and keep the receipt. Then verify\nyour transaction privately as soon as you can, and then destroy\nthe receipt after verifying it with your monthly statement.\n\xe2\x80\xa2 Never open a locked door for anyone you don\xe2\x80\x99t know\nif using a machine in a facility that requires your card for access.\n\xe2\x80\xa2 Report any crimes immediately to the police, CEFCU, and the\nATM owner.\nIf your CEFCU Debit Card or CEFCU Credit Card is lost or stolen,\nreport it to CEFCU immediately at 1.800.633.7077.\n\n07/01/2014\n\n24\n\n\x0c'


b'Credit Card Agreement for Cabela\xe2\x80\x99s CLUB Cards in Capital One Bank (USA), N.A.\nThere are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer\nAgreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts\navailable under this Agreement as of June 30, 2021. The combination of terms that could apply to you will differ depending on\nthe specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The\nCustomer Agreement contains important information related to consumer credit cards issued by Capital One Bank (USA), N.A.\nPlease visit www.capitalone.com to view our online credit card offers. If you are a current Capital One cardholder, please log in\nto your account if you would like to request the Credit Card Agreement for your account(s).\nCAPITAL ONE PRICING INFORMATION\nAnnual Percentage Rate\n(APR) for Purchases at\nCabela\xe2\x80\x99s and\nBass Pro Shops\nAPR for Other\nPurchases and\nTransfers\n\n9.99%.\n15.24% - 26.99%.\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances 26.99%.\nThis APR will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on new purchases, provided you have paid your previous balance in full by the due\ndate each month. We will begin charging interest on cash advances and transfers on the\ntransaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nAnnual Fee\n\nNone.\n\nTransaction Fees\n\xe2\x80\xa2 Transfer\n\n\xe2\x80\xa2 Cash Advance\n\n3% of the amount of each transferred balance that posts to your account at a promotional APR\nthat we may offer you.\nNone for balances transferred at the Transfer APR.\nEither $10 or 4% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow Do You Calculate My Balance? We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See\n\xe2\x80\x9cHow Do You Calculate The Interest Charge?\xe2\x80\x9d section below.\nWhat Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided\nin \xe2\x80\x9cYour Billing Rights Summary\xe2\x80\x9d on your Statement and other Truth-in-Lending Disclosures.\nTHINGS YOU SHOULD KNOW ABOUT THIS CARD\nHow Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate\nvariable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,\nMarch, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable\nrates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and\nOctober billing periods: Other Purchases and Transfer APR: Prime plus a margin between 11.99% and 23.74%; Cash Advance\nAPR: Prime plus 23.74%. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.\nWhat Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Cabela\xe2\x80\x99s and Bass\nPro Shops Purchases APR is 0.02737%, Other Purchases and Transfer APR between 0.04175% and 0.07395%, and Cash\nAdvance APR is 0.07395%. See \xe2\x80\x9cHow Do You Calculate The Interest Charge?\xe2\x80\x9d section below.\nHow Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).\nUnder this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and add in new\ntransactions and the periodic interest charge on the previous day\xe2\x80\x99s balance, then 2) subtract any payments and credits for that\nsegment as of that day. The result is the daily balance for each segment. However, if you paid your previous month\xe2\x80\x99s balance\nin full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase\nsegments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.\nNext, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the\nnumber of days in the billing cycle.\nAt the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the\ndaily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.\nNOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.\n\xc2\xa9 2021 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by\nCapital One Bank (USA), N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.\n\n\x0cCapital One\xc2\xae Customer Agreement\nWelcome to Capital One\n\nWe may restrict or close your Account if we cannot verify\nyour information, or if you do not provide it as requested.\n\nThank you for opening a credit card account with us.\nThis Customer Agreement including any changes to it\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) contains the terms of your agreement\nwith Capital One.\n\nYour Revolving Credit Line and Spending\nWe will tell you your initial revolving credit line when you\nopen your Account. We may increase or decrease your\nrevolving credit line at any time without prior notice to\nyou, unless notice is required by law, and we may limit\nor take away the credit available for Cash Advances.\nYou can find your current revolving credit line on\nyour Statement. We may not authorize transactions in\nexcess of your revolving credit line. We may consider\neach transaction that may cause you to exceed your\nrevolving credit line based on several factors, including\nyour performance on this Account and other credit\naccounts you have with us and your performance with\nother creditors. If we do authorize transactions in excess\nof your revolving credit line, they will be subject to this\nAgreement. They will not result in an increase of your\nrevolving credit line.\n\nDefinitions\nThe meanings of the terms you see in italics appear in\nthe Glossary section at the end of this Agreement.\nAs used here, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant\nand co-applicant for the Account; any person\nresponsible for paying the Account; and any person\nresponsible for complying with this Agreement. \xe2\x80\x9cWe,\xe2\x80\x9d\n\xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCapital One\xe2\x80\x9d mean Capital One Bank\n(USA), National Association; and its agents, authorized\nrepresentatives, successors, and assignees.\n\nAccount Documents\nThe following documents govern your Account with us:\n(1) this Agreement;\n(2) all Statements;\n(3) any rewards program terms, conditions, and\ndisclosures;\n(4) any privacy notices;\n(5) your Card benefits brochure which describes\nbenefits provided by the Payment Card Network for\nyour Account;\n(6) all disclosures and materials provided to you before\nor when you opened your Account;\n(7) any other documents and disclosures relating to your\nAccount, including those provided online; and\n(8) any future changes we make to any of the above.\n\nUsing Your Account\n(1) This Agreement applies whether or not you use\nyour Card or Account. It will continue to apply even\nafter your Account is closed, as long as you have a\nbalance.\n(2) You must sign the Card immediately when you\nreceive it.\n(3) You must return the Card to us or destroy it if we ask\nyou to.\n(4) You must take reasonable steps to prevent the\nunauthorized use of your Card, Access Checks and\nAccount.\n(5) We may decline to authorize a transaction for any\nreason. This may occur even if the transaction would\nnot cause you to go over your revolving credit line or\nyour Account is not in default.\n(6) We are not responsible for any losses you incur if we\ndo not authorize a transaction.\n(7) We are not responsible for any losses you incur if\nanyone refuses to accept your Card for any reason.\n(8) Unless we tell you otherwise, we will bill each\ntransaction to the applicable Segment of your\nAccount. We will apply it against your available credit\nfor that Segment.\n(9) You may obtain Cash Advances and Transfers as\npermitted for your Account. You may not use these to\npay any amount you owe us or any other company in\nthe Capital One organization.\n(10) You must not use, or try to use, the Card for any\nillegal activity. You are responsible for any charges if\nyou do.\n(11) We are not liable for any losses that may result\nwhen our services are unavailable due to reasons\nbeyond our control.\n\nPlease read these carefully and keep them for\nfuture reference.\n\nNew Offers\nIn the future, we may provide you with new offers that\nwe think may interest you. The terms of these offers may\ndiffer from the standard terms on your Account. This\nAgreement will still apply.\n\nAccount Information\nWe need information about you to manage your\nAccount. This includes:\n(1) your legal name;\n(2) a valid U.S. mailing address and residential address\n(if different);\n(3) your date of birth;\n(4) your Social Security number or other government\nidentification number;\n(5) your telephone number(s); and\n(6) your employment and income information.\nYou must tell us when this information changes. We may\nask you for additional documents to verify any changes.\n1\n\n\x0cRewards\n\nbeen compromised for any reason, you must contact\nCustomer Service immediately.\n\nYour Account may provide you with the opportunity to\nearn rewards. If it does, we will separately provide you\nwith information and terms about the rewards.\n\nAuthorized Users\nIf you ask us to issue a Card to any other person,\nthey are an Authorized User. We may require certain\ninformation about them. We may limit their ability to use\nyour Card. They may have access to certain information\nabout your Account. You will be responsible for their use\nof the Account and anyone else they allow to use your\nAccount, even if you did not want, or agree to, that use.\n\nAccess Checks\nWe may provide you with Access Checks. If we do, we\nwill tell you at the time if we consider them purchases,\nCash Advances or Special Transfers.\nOnly the person we designate may use Access Checks.\nYou may not use them to pay any amount you owe us or\nany other company in the Capital One organization. We\nmay reject and not pay any Access Check if:\n\nRemoving an Authorized User\nIf you want to remove an Authorized User from your\nAccount, you must contact Customer Service and request\ntheir removal. You also must immediately destroy all\nCards in their possession and cancel any arrangements\nthey may have set up on your Account. They will be able\nto use your Account until you have notified us that you are\nremoving them from your Account. During this time, you\nwill still be responsible for all amounts they charge to your\nAccount. You will be responsible even if these amounts do\nnot appear on your Account until later.\n\n(1) your Account is past due, charged off, bankrupt, lost/\nstolen or closed;\n(2) we suspect fraud;\n(3) your Account is over the revolving credit line; or\n(4) the check has expired, is damaged or cannot\notherwise be processed.\nOur liability if we do not pay an Access Check will never\nbe more than (1) your actual damages or (2) the amount\nof the Access Check, whichever is less.\n\nAuthorized Users may remove themselves from your\nAccount upon request. We reserve the right to remove\nthem from your Account for any reason. To remove them\nfrom your Account, we may close your existing Account\nand issue a new Card with a new Account number.\n\nUse of an Access Check is not the same as using your\nCard. When you use an Access Check, you will have\nfewer rights to dispute merchant transactions than\nwith uses of your Card. Please see the \xe2\x80\x9cBilling Rights\nSummary\xe2\x80\x9d on your Statement and your other Truth-inLending Disclosures for more information.\n\nYour Promise to Pay\nYou promise to pay us all amounts due on your Account.\nThis includes amounts where you did not sign a purchase\nslip or other documents for the transaction. We will treat\ntransactions made without presenting your actual Card\n(such as for mail, telephone, Internet, or mobile device\npurchases) the same as if you used the Card in person. If\nyou let someone else use your Card, you are responsible\nfor all transactions that person makes.\n\nStopping Payment of Access Checks\nYou may request a stop payment on any Access Check\nby contacting Customer Service.\nWe will have a reasonable amount of time after your\nstop payment request to research and complete the\nstop payment. We will not be responsible if we cannot\ncomplete the stop payment. Reasons include:\n\nStatements\n\n(1) the Access Check was already paid;\n(2) you do not give us the information we asked for; or\n(3) the information you gave us was incorrect.\n\nWe will generally send or make available to you one\nStatement for all Cards on your Account at the end of\neach Billing Cycle. Under certain circumstances, the law\nmay not require us to send or make available to you a\nStatement, or may prohibit us from doing so.\n\nWe do not have to release the stop payment order unless\nthe account holder who made the request asks us to.\nIf we re-credit your Account after a valid stop payment\norder, you give us all of your rights against the payee or\nother holder of the paid Access Check. You also agree to\nhelp us in any legal action we may later take against the\npayee or other holder of the check.\n\nDisputed Transactions\nYou must inspect each Statement you receive. Tell us\nabout any errors or questions you have, as described\nin the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and\nother Truth-in-Lending Disclosures. If you do not notify\nus of an error, we will assume that all information on the\nStatement is correct.\n\nUsing a PIN\nWe may give you a personal identification number (PIN).\nFor security reasons, you may have to provide the PIN\nbefore you are able to use your Card.\n\nIf we credit your Account for all or part of a disputed\ntransaction, you give us all of your rights against others\nregarding that transaction. You will also:\n\nKeep your PIN secure. Do not write it down, give it\nto anyone, or keep it with your Card. If you lose your\nCard or believe the confidentiality of your PIN has\n\n(1) give us any information about the disputed\ntransaction, if we ask;\n2\n\n\x0cReturned Payment Fee\n\n(2) not pursue any claim or reimbursement of the\ntransaction amount from the merchant or any other\nperson; and\n(3) help us get reimbursement from others.\n\nWe may charge you this Fee each time your financial\ninstitution for any reason rejects a payment you make to us.\n\nStop Payment Fee\n\nNo Warranties\n\nWe may charge you this Fee each time you ask us to\n(1) stop payment on an Access Check or (2) renew an\nexisting stop payment order.\n\nWe are not responsible for any claim you may have\nregarding the purchase of goods or services made with\nyour Card beyond your rights described in the \xe2\x80\x9cBilling\nRights Summary\xe2\x80\x9d on your Statement.\n\nCash Advance Fee\nWe may charge you this Fee each time you take out a\nCash Advance. We will treat this Fee as a Cash Advance\ntransaction.\n\nLost or Stolen Card\nIf your Card is lost or stolen or if you think someone else\nmay be using your Card or Account number without your\npermission, you must contact Customer Service immediately.\nYou will not be responsible for transactions on your Account\nthat we find are unauthorized.\n\nTransfer Fee\nWe may charge you this Fee each time you make a\nTransfer. We will charge the Fee to the same Segment\nwhere we post the Transfer.\n\nIf we reimburse you for unauthorized transactions, you\nwill help us investigate, pursue and get reimbursement\nfrom the wrongdoer. Your help includes giving us\ndocuments in a form that we request.\n\nTransactions Made in Foreign Currencies\nIf you make a transaction in a foreign currency, the\nPayment Card Network will convert it into a U.S. dollar\namount. The Payment Card Network will use its own\ncurrency conversion procedures. The conversion rate\nin effect on the processing date may differ from the rate\nin effect on the transaction date that appears on your\nStatement. We do not adjust the currency exchange rate\nor charge any currency conversion Fees.\n\nInterest Charges and Fees\nWe will charge Interest Charges and Fees to your Account\nas disclosed on your Statement and other Truth-inLending Disclosures. In general, Interest Charges begin\nto accrue from the day a transaction occurs. However,\nwe will not charge you interest on any new transactions\nposted to the purchase Segment of your Account if\nyou paid the total balance across all Segments of your\nAccount in full by the due date on your Statement each\nmonth. From time to time, we may give you offers that\nallow you to pay less than the total balance and avoid\nInterest Charges on new purchase Segment transactions.\nIf we do, we will provide details in the specific offer.\n\nMinimum Payment\nYou must pay us at least the minimum payment amount\nby the payment due date. Your Statement will tell you:\n(1) the minimum payment due,\n(2) your new balance,\n(3) the payment due date, and\n(4) an explanation of when the payment must reach us\nfor us to consider it received as of that date.\n\nWe will generally treat Fees as Other Purchases and\nTransfers transactions unless otherwise specified below.\nThese Fees apply to your Account only if your Truth-inLending Disclosures provide for them. We may increase\nyour Interest Charges and Fees as described in the\nChanges to Your Agreement section or in your Truth-inLending Disclosures.\n\nReturns and other credits to your Account will reduce\nyour Account balance, but they will not change your\nminimum payment amount.\n\nIf your Account has a membership Fee, we may charge\nthe first membership Fee either on the day you activate\nyour Card or on the day when you use your Account,\nwhichever occurs first. If your Account terms include a\n$0 introductory Fee, we may charge the first Fee when\nthe introductory period ends. If it is an annual Fee, we\nmay then charge it approximately once per year. If it is a\nmonthly Fee, we may charge it each Billing Cycle.\n\nIn addition to the minimum payment, you may pay\nall or part of the total balance on your Account. But,\nyou must still pay at least the minimum payment\namount each month, even if you paid more than the\nminimum payment due on the previous Statement. We\nwill continue to charge Interest Charges during Billing\nCycles when you carry a balance regardless of whether\nyour Statement includes a minimum payment that is\ndue. If your Account is 180 days past due, is part of a\nbankruptcy proceeding or is otherwise charged off, the\ntotal balance is immediately due and payable.\n\nLate Payment Fee\n\nMaking Payments\n\nMembership Fee\n\nYour payment must be made in U.S. dollars from a U.S.\ndeposit account in a form acceptable to us. We do not\naccept cash payments through the mail. You may not\nmake payments with funds from your Account or any\n\nWe may charge you this Fee if we do not receive\nyour payment as instructed on your Statement by the\npayment due date.\n3\n\n\x0cItems with Restrictive Words, Conditions,\nor Instructions\n\nother credit account with us or any other company in\nthe Capital One organization. You must send mailed\npayments to us as instructed on your Statement, unless\nwe tell you otherwise.\n\nYou must mail all Items bearing restrictive words,\nconditions, limitations, or special instructions to:\n\nOther Payment Services\n\nCapital One\nP.O. Box 1330\nCharlotte, NC 28201-1330\n\nWe may make services available that allow you to make\nfaster or recurring payments online or by telephone. We\nwill describe the terms for using these services and any\napplicable Fee before you use them. You do not have to\nuse these other payment services.\n\nThis includes Items marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar\nlanguage. This also includes all accompanying\ncommunications.\n\nWe are not responsible if your financial institution rejects\na payment made using our payment services.\n\nIf you make such a payment or send any accompanying\ncommunications to any other address, we may reject it\nand return it to you. We may also accept it and process\nit without losing any of our rights.\n\nIf you ask someone else to make a payment for you,\nwe may provide that person with limited Account\ninformation necessary to set up and process that\npayment. We may also refuse to accept that payment. If\nwe do accept it, you will be responsible for that payment\neven if a financial institution rejects it.\n\nCredit Balances\nWe may reject and return any payment that creates or adds\nto a credit balance on your Account. Any credit balance\nwe allow will not be available until we confirm that your\npayment has cleared. We may reduce the amount of any\ncredit balance by any new charges. You may write to the\naddress provided on your Statement or call Customer\nService to request a refund of any available credit balance.\n\nPayment Processing\nWe may accept and process payments without losing\nany of our rights. We may delay the availability of\ncredit until we confirm that your payment has cleared.\nThis may happen even if we credit your payment to\nyour Account. We may resubmit and collect returned\npayments electronically. If necessary, we may adjust\nyour Account to correct errors, process returned and\nreversed payments, and handle similar issues.\n\nAccount Default\nYou will be in default if:\n(1) you do not make any payment when it is due;\n(2) any payment you make is rejected, not paid or\ncannot be processed;\n(3) you file or become the subject of a bankruptcy or\ninsolvency proceeding;\n(4) you are unable or unwilling to repay your obligations,\nincluding upon death or legally declared incapacity;\n(5) we determine that you made a false, incomplete or\nmisleading statement to us, or you otherwise tried to\ndefraud us;\n(6) you do not comply with any term of this Agreement\nor any other agreement with us; or\n(7) you permanently reside outside the United States.\n\nWhen you send us an Item as payment, you authorize\nus to make a one-time electronic fund transfer from\nyour deposit account. You also authorize us to process\nthe payment as an Item. We may withdraw the funds\nfrom your deposit account as early as the same day\nwe receive your payment. You will not receive your\nItem back from your bank. We will provide additional\ninformation about this process on your Statement.\nWe may use the information from an Item to create an\nelectronic image. We may collect and return the image\nelectronically. This electronic image may also be converted\nto a substitute check and may be processed in the same\nway we would process an Item. We will not be responsible\nif an Item you provide has physical features that when\nimaged result in it not being processed as you intended.\n\nIf you are in default, we may take certain actions with\nrespect to your Account. For example, depending on the\ndefault, we may take the following actions, without notifying\nyou, unless the law says that we must give you notice:\n(1) charge you Fees, or change the APRs and Fees on your\nAccount, if provided in your Truth-in-Lending Disclosures;\n(2) close or suspend your Account;\n(3) lower your revolving credit line;\n(4) demand that you immediately pay the total balance\nowing on your Account;\n(5) continue to charge you Interest Charges and Fees as\nlong as your balance remains outstanding; and/or\n(6) file a lawsuit against you, or pursue another action that\nis not prohibited by law. If we file a lawsuit, you agree to\npay our court costs, expenses and attorney fees, unless\nthe law does not allow us to collect these amounts.\n\nHow We Apply Your Payments\nYour Account may have Segments with different Annual\nPercentage Rates (APR). For example, purchases may\nhave a lower APR than Cash Advances. If your Account\nhas Segment balances with different APRs, here is how\nwe apply payments in a Billing Cycle:\n(1) We generally apply credits and payments up to\nyour minimum payment first to the balance with the\nlowest APR, and then to balances with higher APRs.\n(2) We apply any part of your payment exceeding your\nminimum payment to the balance with the highest\nAPR, and then to balances with lower APRs.\n4\n\n\x0cCommunications\n\nWaiver\n\nYou agree that we may communicate with you by mail,\ntelephone, email, fax, prerecorded message, automated\nvoice, text message or other means allowed by law\nregarding your Account.\n\nWe will not lose any of our rights if we delay or choose\nnot to take any action for any reason. We may waive our\nright without notifying you. For example, we may waive\nyour Interest Charges or Fees without notifying you and\nwithout losing our right to charge them in the future.\n\nYou agree that we may contact you at any telephone number\n(including a mobile telephone number that you provide us),\nand use an automated telephone dialing system or similar\ndevice to do so. You agree that we may monitor or record\nany conversation or other communication with you.\n\nAssignment\nThis Agreement will be binding on, and benefit, any of\nyour and our successors and assigns. You may not sell,\nassign or transfer your Account or this Agreement to\nsomeone else without our written permission.\n\nCredit Reports\nWe may report information about your Account to credit\nbureaus and others. Late payments, missed payments,\nor other defaults on your Account may be reflected in\nyour credit report. Information we provide may appear\non your and the Authorized Users\xe2\x80\x99 credit reports.\n\nWe may sell, assign or transfer your Account and this\nAgreement without your permission and without prior\nnotice to you. Any assignee or assignees will take our\nplace under this Agreement. You must pay them and\nperform all of your obligations to them and not us. If you\npay us after we notify you that we have transferred your\nAccount or this Agreement, we can return the payment\nto you, forward the payment to the assignee, or handle it\nin another way that is reasonable.\n\nIf you believe that we have reported inaccurate\ninformation about your Account to a credit bureau or\nother consumer reporting agency, notify us in writing at\nP.O. Box 30281, Salt Lake City, UT 84130-0281. When\nyou write, tell us the specific information that you believe\nis incorrect and why you believe it is incorrect.\n\nGlossary\n\xe2\x80\xa2\xe2\x80\x9cAccess Check\xe2\x80\x9d means any check we send to you to\naccess credit from your Account. We may also refer\nto an Access Check as a \xe2\x80\x9cconvenience check\xe2\x80\x9d or a\n\xe2\x80\x9cpurchase check\xe2\x80\x9d.\n\nWe may obtain and use credit, income and other information\nabout you from credit bureaus and others as the law allows.\n\nClosing or Suspending Your Account\n\n\xe2\x80\xa2\xe2\x80\x9cAccount\xe2\x80\x9d means your Card Account with us.\n\nYou may contact Customer Service to ask us to close\nyour Account.\n\n\xe2\x80\xa2\xe2\x80\x9cAuthorized User\xe2\x80\x9d means a person who may use the\nCard, but is not responsible for the repayment of the\nAccount.\n\nWe may close or suspend your Account at any time and for\nany reason permitted by law, even if you are not in default.\n\n\xe2\x80\xa2\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a Transfer posted to the\nOther Purchases and Transfers Segment of your\nAccount unless otherwise described in your Truth-inLending Disclosures.\n\nIf we close or suspend your Account for any reason,\nyou must stop using your Card. You must also cancel all\nbilling arrangements set up on the Account. If we close\nor permanently suspend your Account, you must return\nor destroy all Cards. You must still pay us all amounts\nyou owe on the Account.\n\n\xe2\x80\xa2\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the period of time reflected on\na Statement. This period may vary in length, but is\napproximately 30 days. You will have a Billing Cycle\neven if a Statement is not required. We will often\nspecify a Billing Cycle by the month in which its closing\ndate occurs. For example, a \xe2\x80\x9cMarch Billing Cycle\xe2\x80\x9d will\nhave a closing date in March. We may also refer to\na Billing Cycle as a \xe2\x80\x9cBilling Period\xe2\x80\x9d. If your Account\nbalance has charged off, we may switch to quarterly\nBilling Cycles for your Account.\n\nChanges to Your Agreement\nAt any time, we may add, delete or change any term of\nthis Agreement, unless the law prohibits us from doing\nso. We will give you notice of any changes as required\nby law. We may notify you of changes on your Statement\nor in a separate notice. Our notice will tell you when and\nhow the changes will take effect. The notice will describe\nany rights you have in connection with the changes.\n\n\xe2\x80\xa2\xe2\x80\x9cCard\xe2\x80\x9d means any Capital One credit card associated\nwith your Account. This includes all renewals and\nsubstitutions. It also means any other access device\nfor your Account we give you that allows you to obtain\ncredit, including any Account number.\n\nYour variable APRs (if applicable) can go up or down as the\nindex for the rate goes up or down. If we increase your APRs\nfor any other reason, or if we change your Fees or other\nterms of your Account, we will notify you as required by law.\n\nThe Law That Applies to Your Agreement\nWe make decisions to grant credit and issue you a Card\nfrom our offices in Virginia. This Agreement is governed\nby applicable federal law and by Virginia law. If any part\nof this Agreement is unenforceable, the remaining parts\nwill remain in effect.\n\n5\n\n\xe2\x80\xa2\xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan in cash or things we\nconsider cash equivalents, including wire transfers,\ntravelers\xe2\x80\x99 checks, money orders, foreign currency,\nlottery tickets, gaming chips, and wagers. We post\nCash Advances to the Cash Advance Segment of your\nAccount and not to your purchase Segment.\n\n\x0c\xe2\x80\xa2\xe2\x80\x9cSpecial Transfer\xe2\x80\x9d means a Transfer posted to a\nSegment of your Account that is not your purchase\nSegment or Cash Advance Segment.\n\n\xe2\x80\xa2\xe2\x80\x9cFees\xe2\x80\x9d means charges imposed on your Account not\nbased on the Annual Percentage Rates.\n\xe2\x80\xa2\xe2\x80\x9cInterest Charges\xe2\x80\x9d means any charges to your Account\nbased on the application of Annual Percentage Rates.\n\n\xe2\x80\xa2\xe2\x80\x9cStatement\xe2\x80\x9d means a document showing important\nAccount information, including all transactions billed to\nyour Account during a Billing Cycle and information about\nwhat you must pay. We may also refer to your Statement\nas a \xe2\x80\x9cPeriodic Statement\xe2\x80\x9d or a \xe2\x80\x9cBilling Statement\xe2\x80\x9d.\n\n\xe2\x80\xa2\xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other\nnegotiable instrument you use to pay your Account.\nThis includes any image of these instruments. This\ndoes not include an Access Check.\n\n\xe2\x80\xa2\xe2\x80\x9cTransfers\xe2\x80\x9d means amounts transferred from other\naccounts to this Account and includes Balance\nTransfers and Special Transfers.\n\n\xe2\x80\xa2\xe2\x80\x9cPayment Card Network\xe2\x80\x9d means the network provider\ndisplayed on your Card. This may be Visa Inc.,\nMasterCard International Incorporated, or any other\nnetwork provider.\n\n\xe2\x80\xa2\xe2\x80\x9cTruth-in-Lending Disclosures\xe2\x80\x9d means disclosures that\nthe federal Truth in Lending Act and Regulation Z\nrequire for any Account. This includes your application\nand solicitation disclosures, Account opening\ndisclosures, subsequent disclosures, Statements, and\nchange in terms notices.\n\n\xe2\x80\xa2\xe2\x80\x9cSegments\xe2\x80\x9d means the different parts of your Account\nwe may establish that are subject to unique APRs,\npricing, or other terms. We create these parts of your\nAccount for such things as your Bass Pro Shops and\nCabela\xe2\x80\x99s Purchases, Other Purchases and Transfers,\nCash Advances and Special Transfers. The sum of your\nSegment balances equals your total Account balance.\n\n\xc2\xa9 2021 Capital One\nCapital One is a federally registered service mark.\nAll rights reserved.\n\nBR414400\n\nM-133510\n\n6\n\nCOF Customer Agreement 441\n\n\x0c'