b'UChoose Rewards\xc2\xae Terms and Conditions\nIf You participate in the UChoose Rewards\xc2\xae Program, You agree to the following terms and conditions.\nDefinitions\nIn the UChoose Rewards Program, these terms have the following meanings:\n\xef\x82\xb7 "Account" refers to credit account, financial account, or other account opened at Your Financial Institution.\n\xef\x82\xb7 "We," "Our," or "Operator" means Fiserv Solutions, Inc., the operator and administrator of the Program and its subcontractors.\n\xef\x82\xb7 "Program" or "UChoose Rewards Program" means the program that allows Participants to earn and redeem points for rewards.\n\xef\x82\xb7 "Rewards Points Account" means the account that tracks points earned by the Participant.\n\xef\x82\xb7 "You," "Your," or "Participant" means the individual(s) who is using the credit card, financial product, or other product of a participating\nfinancial institution to obtain points that qualify for rewards.\n\xef\x82\xb7 "Your Financial Institution" refers to the financial institution where You maintain an Account. This may be a credit card account where a\ncredit card has been issued, or any other account maintained by the financial institution on behalf of You.\nEligibility\n1. Eligibility is restricted to Participants with an active and open Account with a financial institution participating in the Program, which may\ninclude charging or usage privileges.\n2. Eligibility is restricted to Participants that have an Account statement mailing address within the 50 United States, the District of Columbia,\nUnited States territories, or United States military address (such as APO).\n3. This Program is available to all Accounts designated by Your Financial Institution.\nProgram Administration\n1. Your Financial Institution reserves the right to cancel or temporarily suspend the Program at any time without advance notice, which may\nresult in the cancellation of outstanding points. Your Financial Institution has the right to change the Program without advance notice to\nYou.\n2. Operator and Your Financial Institution each have the right to monitor all Rewards Point Account activity. Operator and Your Financial\nInstitution each reserves the right to cancel any Program membership in the event of fraud, abuse of program privileges, or violation of the\nProgram rules; including any attempt to sell, exchange, or transfer points, or any instrument exchangeable for points. If You have\nconducted any fraudulent activity, Operator reserves the right to take any necessary legal action and may have grounds to confiscate any\nrewards redeemed as a result of such activity. In addition, You may be liable for monetary losses to Operator, including litigation costs and\ndamages and you will not be allowed to participate in the Program in the future.\n3. The terms of this Program are void where prohibited by law.\n4. We may, at any time and without prior notice, (i) change, limit or terminate any aspect of the Program, or (ii) update, amend or terminate\nthese Terms and Conditions in whole or in part. Changes may affect outstanding transactions and points.\nPoint Accrual\n1. You will earn points for every qualifying net purchase (purchases less returns) as designated by Your Financial Institution. This may\ninclude using your credit card or by participating in certain other Account activity with Your Financial Institution. Your Financial Institution\ndetermines the points earning rate for all transactions and when points begin to accrue. No retroactive points will accrue.\nReturns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also\nreversed from that sale.\nExchanges also make purchases from participating retailers made through www.uchooserewards.com ineligible for rewards, as when\nmerchandise is exchanged, the merchant cancels the order and replaces it with a new one. Since the new order was not made through the\nprogram website points cannot be tracked. Because of this, the retailer will not pass the points to UChoose Rewards which means\nUChoose Rewards cannot access the points to put in your account.\nTo avoid losing your rebate on exchanges, please make sure all returns are final. Once your refund is credited to your card, place the\norder again through the UChoose Rewards website to be sure you receive points on your purchase.\n2. Transactions from lost, canceled, or stolen credit or debit cards; or fraudulent purchases will not earn points.\n3. Participants will not earn points if the Account has been closed, whether closed by Participant or Your Financial Institution. Once the\nAccount is closed, points will not be credited and points will be immediately forfeited and cannot be redeemed. Your Financial Institution\nwill determine what constitutes a closed Account.\n4. The Program is based on net purchases only and does not include cash advances, balance transfers, or wire transfers. It also does not\ninclude any fees posted to your Account, including (but not limited to) late fees, over limit fees, and finance charges.\n5. There is no annual cap to how many points you can earn.\n6. Points will expire 5 years from the end of the month in which they were posted.\n7. Points earned during a calendar month are posted to the Participant\xe2\x80\x99s Reward Points Account by the 10th of the following month.\nQualifying purchases that have not been cleared or posted to a Participant\xe2\x80\x99s Reward Points Account are not eligible for redemption.\n8. Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned.\n9. Point balances are available for view online.\n10. Points cannot be transferred from one Rewards Point Account to another Rewards Point Account.\n11. Points from multiple Accounts may be pooled together at the discretion of Your Financial Institution.\n12. Points may not be assigned, transferred and/or pledged to any third party. Participant has no property rights or other legal interests in\npoints.\n13. Participant is responsible for any personal tax liability that may be related to participation in the Program.\n14. If your Rewards Point Account does not represent the correct number of points that you should have been awarded, Operator reserves the\nright to adjust your point balance. If you have been awarded points in error or if you believe your Rewards Point Account has been the\nsubject of any suspicious activity, please contact the Operator immediately using the "Contact Us" feature of the Program website.\n15. If you believe that you have made purchases that should have resulted in the addition of Rewards to your accumulated Rewards balance,\nand you see that the Rewards have not been reflected within thirty (30) days of your purchase (date the charge appears on your credit\ncard statement), please contact us within ninety days of the date of such purchase and we will investigate the situation. (If you wait longer\nthan ninety (90) days, your ability to claim the Rewards will be considered waived).\n\n\x0cRedeeming Points\n1. No cash refunds or partial awards will be issued upon redemption of points.\n2. Program points may not be used with any other discount or coupon offer.\n3. All points must be redeemed using the Program website located at www.UChooseRewards.com.\n4. If you have questions about the Program, those questions can be sent to the Operator using the "Contact Us" feature of the Program\nwebsite.\n5. Points will be redeemable only if your Rewards Points Account is open and in good standing.\n6. The Participant must redeem points, but another person may use the ticket(s) or rewards. The Participant is responsible for any tax liability\nor other charges related to participation in the Program or redemption of points, and for payment of any taxes or charges. Examples of\nsuch charges include without limitation, baggage charges, departure taxes, or other charges that may have been assessed by government\nentities.\n7. Your Financial Institution reserves the right to disqualify any Participant from participating in the Program and to invalidate all points for\nabuse, fraud, or any violation of the Program Terms and Conditions.\n8. Your Financial Institution, Operator and suppliers are not responsible for the replacement of lost, stolen, or damaged documents awarded\nfor the redemption of points.\n9. Your Financial Institution reserves the right to pass on any processing and/or surcharge fees that may be incurred on the rewards.\nLiability\n1. You acknowledge and agree that as part of the Program certain information, such as Your name and address, shall be provided to\nmerchants and other parties involved in the Program and Your transactions. You acknowledge and agree that Operator has no control\nover and liability for any use of such information by those third parties.\n2. Operator has no liability for disagreements regarding points. Your Financial Institution\xe2\x80\x99s decisions regarding points and point discrepancies\nwill be final.\n3. You agree to comply with all applicable laws, rules, statutes, ordinances, and regulations in connection with Your participation in the\nProgram and Your use of goods and services.\n4. NONE OF OPERATOR OR THE SUPPLIER OF ANY REWARDS (INCLUDING EACH OF THEIR AGENTS, AFFILIATES OR\nEMPLOYEES) (TOGETHER, "PROVIDERS") MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED,\nREGARDING THIS PROGRAM AND THE WEBSITE, AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION,\nPRODUCTS, SERVICES AND/OR OPERATION OF THE PROGRAM OR THE WEBSITE ALL OF WHICH ARE PROVIDED ON AN "AS\nIS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS WEBSITE AND THE PROGRAM IS AT YOUR\nSOLE RISK. PROVIDERS EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE\nPROGRAM AND THE WEBSITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION,\nSOFTWARE, PRODUCTS, AND SERVICES ON THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.\n5. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS AND\nIMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A\nPARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A\nCOURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE ON THIS SITE\nDOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE.\n6. THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS\nOF OPERATOR. OPERATOR IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES,\nBREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR\nLOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE,\nMISSED CONNECTION, SUBSTITUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND\nRATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL\nTRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY OPERATOR\xe2\x80\x99S SUPPLIERS.\n7. THE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR\nCONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF\nTHE PROGRAM OR THE WEBSITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH\nTHE PROGRAM OR THE WEBSITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY\nPROVIDERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PROVIDERS HAVE\nBEEN ADVISED OF THE POSSIBILITY OF DAMAGES.\n8. SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF\nTHESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY\nTO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.\n9. You agree to indemnify, defend, hold harmless, and release the PROVIDERS and any merchants participating in the rewards, including\nany rewards that, after receipt, may be lost, stolen, or destroyed, from any claims, liabilities, obligations, actions, or damages (including\nreasonable attorneys fees) arising out of any breach of the Program or these Terms and Conditions by You or by anyone using the\nProgram or Your points, REWARDS POINT ACCOUNT, or OTHER Accounts. All participating merchants are in no way affiliated with or\nresponsible for the Program administration.\n10. If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which\nthese terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable,\nit shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be\nbinding and enforceable.\n11. The Program and these Terms and Conditions are subject to the laws of the State of New York, without any reference to its choice of law\nprovisions.\nOther Terms and Conditions\nSee the following additional Program Terms and Conditions set forth in the attached links online for merchandise, travel, event tickets, activities\nand gift cards. Any disclaimer of liability set forth in those additional Program Terms and Conditions shall also apply to the Operator of the\nProgram described in these Terms and Conditions.\n\n\x0c'


b'Interest Rates and Interest Charges\nLoyalty Rewards Visa Platinum Rewards Visa Share Secured Visa\nAnnual Percentage Rate\n(APR) for Purchases\n\n9.90% to\n8.90% to\n13.99% to\n18.00% based on 18.00% based on 17.99% based on\nyour creditworthiness\n\nAPR for Balance Transfers\n\nPenalty APR and When it\nApplies\n\nHow to Avoid Paying\nInterest on Purchases\n\nMinimum Interest\nCharge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nyour creditworthiness\n\n9.90% to\n13.99% to\n8.90% to\n18.00% based on 18.00% based on 17.99% based on\nyour creditworthiness\n\nAPR for Cash Advances\n\nyour creditworthiness\n\nyour creditworthiness\n\nyour creditworthiness\n\n13.99% to\n8.90% to\n9.90% to\n18.00% based on 18.00% based on 17.99% based on\nyour creditworthiness\nNone\n\nyour creditworthiness\n\nyour creditworthiness\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your\nentire balance by the due date each month. We will begin charging\ninterest on cash advances and balance transfers on the transaction\ndate.\nNone\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\n-Balance Transfer\n\nNone\n\n-Cash Advance\n-Foreign Transaction\n\nNone\nUp to 1% of the transaction amount.\n\nPenalty Fees\n-Late Payment\n-Over-the-Credit Limit\n\n-Returned Payment\n\n5% (minimum $20.00, maximum $30.00) of the schedule payment\nif not paid within 5 days of the payment due date\n$20.00 each month your balance exceeds your credit limit by\n$200.00 or 10% whichever is less.\n$25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance(including new\npurchases."\n\n\x0cVISA Disclosure\nIn these disclosures, \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cOur,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cCredit Union\xe2\x80\x9d or \xe2\x80\x9cNFCU\xe2\x80\x9d means Noble Federal Credit Union.\nNOTICE:\nYou agree that we may obtain any information given, including employment and use consumer credit reports and exchange credit\ninformation in connection with this offer and any update, renewal or extension of credit we may extend to you or for any other\nlegitimate business purpose. If you request, we will inform you whether any credit report was requested and, if so, the name and\naddress of the consumer reporting agency which furnished the report. You agree that we may share personal and account information\nabout you within Noble Federal Credit Union for the purpose of marketing to you for our products and services, including banking,\ninsurance and investment products. You agree that we reserve the right based upon our evaluation of information furnished by you or\nothers, to open a Noble Federal Credit Union Visa Classic account, or a Noble Federal Credit Union Visa Platinum account, with the\npricing terms stated below. You must be at least 18 years old to qualify. You must have a valid permanent home address within the 50\nUnited States or District of Columbia. Responses with addresses outside this market area, including addresses in US territories,\ncommonwealths and possessions, may not be approved. You agree that the use of any card or account issued in connection with this\noffer is subject to the terms specified in, and such terms are subject to change as provided in, the Cardmember Agreement mailed\nwith your card. The Cardmember Agreement contains a binding arbitration provision which may affect your rights to go to court,\nincluding your right to a jury trial or your right to participate in a class action or similar proceeding.\nState laws require the following notice: California Residents: Married applicants may apply for separate credit.\nYour signature on this application certifies that the above statements are true and complete. You agree to be bound by the terms and\nconditions of the agreement and the Federal Truth and Lending disclosure statements. If there is more than one signature below, each\nof you understands and agrees that each person signing will have full and equal access to any credit line extended and will be\nindividually and jointly liable for payment of all amounts owing on the account.\nThe Credit Union may enforce a lien, including costs of collection and reasonable attorney fees, against my Credit Union account(s) if\nmy VISA card is in default. Any other secured loans you have with the Noble Federal Credit Union, now or in the future also secure this\nloan, except any loan secured by your principal residence.\nBALANCE TRANSFER DISCLOSURES:\nYou agree to allow approximately 30 days for Us to process your response and transfer the balance(s) to your Noble Federal Credit\nUnion account. Please continue to make at least minimum payments on your other credit cards until we notify you that the balances\nhave been transferred. Noble Federal Credit Union is not responsible for fees and finance charges incurred by you prior to your balance\nbeing transferred to Noble Federal Credit Union. Payment of the amount(s) authorized by you may or may not satisfy any outstanding\nbalances(s) on the designated account(s). You will continue to be responsible for any balances on your other credit cards. In the event\nthat your request(s) exceed the amount of your credit line, the Credit Union will fulfill your requests in numeric order as listed in your\nresponse, may decline to process one or more requests and/or may complete one request impartial amount. The payment and\ntransfer of balances is contingent upon approval by the Credit Union and receipt of complete, legible balance transfer requests. Your\nbalance transfer request may not be used to make payments toward amounts you owe Noble Federal Credit Union. Transfer requests\nto cash or to yourself cannot be processed.\n\n04/13/2021\n\n\x0cNOBLE FEDERAL CREDIT UNION\nVISA AGREEMENT AND DISCLOSURE\nThis is the Agreement for your Noble Federal Credit Union VISA Card - Platinum VISA, Platinum Rewards VISA, Loyalty\nRewards VISA, and Share Secured VISA credit card account ("Account") with us. This agreement replaces all previous VISA\ndisclosures.\nIn this Agreement, "we", "us", "our", and "NFCU" refer to Noble Federal Credit Union, the credit grantor and card issuer for your\nAccount. "You", "your", and "yours" refer to:\n\xe2\x80\xa2 each cardholder\n\xe2\x80\xa2 any person bound by this Agreement; and any other person who uses your Account. You accept the terms and conditions\nof this Agreement when you apply for or use your Account.\nYOUR ACCOUNT\nThe following transactions are charged to your Account:\n\xe2\x80\xa2 Purchases\n\xe2\x80\xa2 Cash Advances, including: cash from participating automated teller machines (ATMs) with your Personal Identification\nNumber (PIN);\n\xe2\x80\xa2 money orders;\n\xe2\x80\xa2 foreign currency;\n\xe2\x80\xa2 lottery tickets;\n\xe2\x80\xa2 purchases of casino chips or vouchers redeemable for cash;\n\xe2\x80\xa2 wagers at racetracks; and\n\xe2\x80\xa2 any similar items that VISA U.S.A. Inc (VISA) may designate.\nYOUR CREDIT LINE:\nThe Credit Line for your Account is shown on your billing statement. We may change your Credit Line at any time without prior\nnotice except as required by law. You may request a change in your Credit Line. Increases are subject to our review and\napproval.\nSPECIAL AUTHORIZATIONS:\nSome of your purchases, service transactions and cash advances will require our prior authorization. We may limit the number of\nauthorizations we give your Account on any one day or for other reasons. We are not liable if a merchant, financial institution or\nATM does not honor a card for your Account, or if authorization for a transaction is not given. If you do not receive authorization\nat the time you wish to conduct your transaction at a merchant location or financial institution, you should telephone us for\nassistance at (559) 252-5000 or at (800) 613-2328 between 7:30 am and 6:00 pm Monday through Friday, 9:00 am and 3:00pm\nSaturday.\nFINANCE CHARGE:\nPLATINUM VISA:\nThe ANNUAL PERCENTAGE RATE for your Platinum VISA account may range from 8.90% to 18.00% (with a corresponding\ndaily periodic rate of .0244% to .0493%). We will give you the lowest rate possible based on your qualifications. This rate is used\nto calculate the FINANCE CHARGE on both cash advances and retail purchases.\nPLATINUM REWARDS VISA:\nThe ANNUAL PERCENTAGE RATE for your Platinum Rewards VISA account may range from 9.90% to 18.00% (with a\ncorresponding daily periodic rate of .0271 to .0493%). We will give you the lowest rate possible based on your qualifications. This\nrate is used to calculate the FINANCE CHARGE on both cash advances and retail purchases.\nLOYALTY REWARDS VISA:\nThe ANNUAL PERCENTAGE RATE for your Loyalty Rewards VISA account may range from 8.90% to 18.00% (with a\ncorresponding daily periodic rate of .0244% to .0493%). We will give you the lowest rate possible based on your qualifications.\nThis rate is used to calculate the FINANCE CHARGE on both cash advances and retail purchases.\nSHARE SECURED VISA:\nThe ANNUAL PERCENTAGE RATE for your Platinum VISA account may range from 13.99% to 17.99% (with a corresponding\ndaily periodic rate of .0383% to .0493%). We will give you the lowest rate possible based on your qualifications. This rate is used\nto calculate the FINANCE CHARGE on both cash advances and retail purchases.\nOTHER FEES & CHARGES:\nLate Charges - We may charge you 5% ($20.00 minimum, $30.00 maximum) of the payment amount if we do not receive the\nMinimum Payment Due shown on your monthly billing statement within 5 days of the Payment Due Date.\nOver the Credit Limit Fee - We may charge you $20.00 if your Account balance exceeds your credit limit by $200 or 10%,\nwhichever is less. This fee may be charged each billing cycle that your balance exceeds your credit limit by $200 or 10%,\nwhichever is less.\nAnnual Fee - None\nPage 3 of 7\n\n\x0cCash Advance Fee - None\nReturned NFCU VISA Convenience Check Fee - We will add a $20 fee if we decline to honor an NFCU credit card\nconvenience check.\nReturned Payment Fee - We may charge you $25 each time your check or other payment instrument is returned to us for\nany reason. If payment is not received by the due date we may also charge you a late charge.\nCopy/Research Charges - You may ask us for a copy of a billing statement, sales draft, or other record of your Account by\ncontacting us at the Member Service telephone number on your billing statement. The fee(s) associated with any of these\nrequests are noted on the Fee Schedule. If you request research on your Account or authorize others to request it, we may\ncharge you a fee as noted on the Fee Schedule. If your request relates to a billing error as described below and you follow\nthe procedures described on the back of your billing statement, we will not impose, or we will reverse, these charges. If we\nproduce documents in response to legal process, we may charge these fees as noted on the Fee Schedule to your account.\nCollection Costs and Attorney Fees - To the extent not prohibited by law, if you are in default, you will pay our collections\ncosts, attorney fees, court costs and all other expenses of enforcing our rights under this Agreement.\nHOW WE CALCULATE YOUR BALANCE:\nOn the Billing Date on your billing statement, we calculate your daily balance by starting with the outstanding balance for\neach day of your billing cycle. Next we add new charges and other debits and subtract all payments, credit adjustments, and\nany Finance Charges you owe. The remaining amount is the daily balance. We add all daily balances and divide by the\nnumber of days in the billing cycle to arrive at the Average Daily Balance for your Account.\nHOW WE CALCULATE YOUR FINANCE CHARGE:\nMonthly Periodic Charge: The Monthly Periodic Charge for your Account is calculated by multiplying the Average Daily\nBalance by the applicable Monthly Periodic Rate (described above).\nGrace Period: A 25-day minimum grace period free of Monthly Periodic Charge applies to Purchases itemized on your\nbilling statement if:\n\xe2\x80\xa2 the Previous Balance on your billing statement is zero or a credit balance;\n\xe2\x80\xa2 we receive payment of your New Balance shown on your previous billing statement by the Payment Due Date shown\non that statement.\nIf you do not pay your full balance by the payment due date, interest will be charged from the date the purchase is posted to\nthe account. The FINANCE CHARGE on your Account is the sum of the Cash Advance fees and the Monthly Periodic\nCharge for the Account. There is no grace period for Cash Advances.\nYOUR PAYMENTS:\nYou promise to pay us for all transactions on your Account, whether the transactions are yours or those of any persons\nauthorized to use your Account, plus all other fees, charges and expenses as provided in this Agreement. You will be\nindividually and jointly liable for all credit extended on the account. You will pay at least the Minimum Payment Due by the\nPayment Due Date shown on your billing statement. You will make payments for your Account and for any other NFCU\nAccount separately. If you do not make payments separately, or if you give conflicting payment instructions, we may, at our\noption, apply payments to your Account as we deem appropriate.\nMinimum Payment Due: The Minimum Payment Due is the sum of the Current Amount Due plus any amount Past Due\nplus the amount of your New Balance that exceeds your Credit Limit. To determine the Current Amount Due, we subtract the\nAmount Past Due from your New Balance as shown on your billing statement. If the remaining amount is:\n\xe2\x80\xa2 Less than $20, the current amount due is equal to that amount.\n\xe2\x80\xa2 $20 or more, the current amount due is the greater of $20 or 2% of that amount.\nHow We Apply Your Payments: Payments to your Account are applied in this order:\n1. Finance Charges on both purchases and cash advances\n2. Cash Advance Fees\n3. Other Fees\n4. Cash Advance Minimum Payment Due\n5. Retail Minimum Payment Due\n6. Cash Advance Previous Balance\n7. Retail Previous Balance\n8. New Cash Advance Activity\n9. New Retail Activity\n10. Unbilled Cash Advance Fees\n11. Other Unbilled Fees\nOTHER IMPORTANT INFORMATION:\nTransfer of Balance Request: If you desire to convert your outstanding balance from another card onto your NFCU VISA\nCard Account, you may do so by checking the appropriate box on the application. Your signature will be our authorization to\nprepare and mail a check to pay off your other card and to place the balance from that card onto your NFCU VISA Card\nAccount. This balance will incur finance charges, but no cash advance fee will be charged.\n\nPage 4 of 7\n\n\x0cUnsecured Credit: This Agreement does not grant us a security interest in the purchases you charge to your Account or any\nother property that you own.\nProhibited Transactions: You are strictly prohibited from using your Visa card as payment for any illegal purchases, and you\nagree to pay for all such purchases that you transact in violation of this Agreement.\nSignature Requirement: You will sign the back of your credit card as soon as you receive it.\nAccount Materials: We may send Account Materials (cards, checks, billing statements and notices) only to the first person\nlisted on your Account, and that person will be responsible for delivering those materials to the other persons authorized to use\nyour Account. Notice to the first cardholder will be considered notice to all cardholders.\nChange of Personal Information: You will notify us in writing immediately if you change your name, address or home or\nbusiness telephone number.\nSolicitations: We may provide information about our cardholders to outside merchants we carefully select to offer products and\nservices to our cardholders. This information may include, among other things, names, addresses, phone numbers and account\nnumbers for billing purposes. If you prefer that we not share information about your Account, please write us at P.O. Box 8027,\nFresno, CA 93747-8027. Please include your name and Account number as they appear on your billing statement.\nCredit Information: We may periodically review your creditworthiness by obtaining information from credit reporting agencies\nand others concerning your accounts. We may also release information about your VISA Account to others. You will provide\nupdated financial information upon our request.\nLost or Stolen Cards: If your credit card is lost or stolen, or if you think that it is being used without your permission, you will\nnotify us immediately by calling the \xe2\x80\x9cLost or Stolen Card\xe2\x80\x9d number on your billing statement, or by calling (559) 252-5000 or (800)\n613-2328 during business hours, or (800) 472-3272 after hours. You may be liable for up to $50 for any unauthorized PIN based\ntransactions that occur before you notify us that your card is lost or stolen.\nDefault: Your Account is in default if you fail to comply with any of the terms or conditions of this Agreement or any other loan\nagreement with us or anyone else, or in the event of your death, bankruptcy or insolvency. If you are in default, we may close\nyour Account without notice and demand immediate payment of your outstanding balance. The Credit Union may enforce a lien,\nincluding costs of collection and reasonable attorney fees, against your Credit Union account(s) if your Visa card is in default.\nAny other secured loans you have with the Noble Federal Credit Union, now or in the future also secure this loan, except any\nloan secured by your principal residence. In the event of default, any litigation venue shall be in Fresno County, California.\nClosing Your Account: We may close your Account, or suspend your credit privileges, or elect to not re-issue your cards at any\ntime without prior notice except as required by law. You will stop using your Account as soon as you learn of its closure. You will\nstill be obligated to pay all outstanding balances that are or become due on your Account. If we ask, you will return or destroy all\ncards issued on your Account. Upon receiving a request from any party to your Account to close the Account, or remove another\nparty from the Account, we, at our option and without notice to any other parties, may comply with that request or refuse to\ncomply based on our investigation of the matter.\nChange of Terms: We may change any term, rate, condition, service or feature of your Account at any time. We will provide you\nwith notice of the change to the extent required by law.\nTelephone Monitoring: Our supervisory personnel may listen to or record telephone calls between you and our employees for\nthe purpose of monitoring and improving the quality of service you receive.\nEnforceability: Our failure to exercise any of our rights under this Agreement will not waive any of our rights in the future. If any\nterm of this Agreement is found to be unenforceable, all other provisions will remain in full force.\nFOREIGN CURRENCY TRANSACTIONS:\nThe exchange rate between the transaction currency and the billable currency is a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus\nany adjustment determined by the Issuer.\nPayments in Foreign Currency: For all amounts you owe on your Account, you will pay in U.S. dollars. All checks must be\ndrawn from funds on deposit in the U.S. We may, at our option, accept payments made in foreign currency or checks drawn on\nnon-U.S banks. If we do, we may impose service and collection charges. Our Determination of service and collection charges\nwill be final.\nForeign Transactions:\nForeign Transactions in Foreign Currency Purchases and cash advances made in foreign currencies will be billed to you in U.S.\ndollars. Transactions processed outside of the United States, or in a foreign currency may be charged a foreign transaction fee,\nregardless of whether there is a currency conversion associated with the transaction. Foreign transactions include transactions\ninitiated in the U.S. authorizing access to a debit card, credit card or deposit account number using a telephone, computer or\nmobile device application but with a merchant who processes the transaction in a foreign country. The conversion rate in dollars\nwill be a rate selected by VISA from a range of rates available in wholesale currency markets for the applicable Central\nProcessing Date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the\napplicable Central Processing Date in each instance, plus a one percentage point (1%) fee charged by the Issuer.\n\nPage 5 of 7\n\n\x0cForeign Transactions in U.S. currency purchases and cash advances made in foreign countries will be billed to you in U.S.\ndollars. Transactions processed outside of the United States, in U.S. dollars, may be charged a foreign transaction fee of point\neight percent (.8%), regardless of whether there is a currency conversion associated with the transaction.\nBlocked Countries: For your protection, usage of your VISA credit card in certain countries may be blocked. Prior to traveling\nout of the country, please call the credit union for a list of blocked countries.\nGoverning Law: THIS AGREEMENT IS GOVERNED BY CALIFORNIA LAW AND APPLICABLE FEDERAL LAW.\nFAIR CREDIT BILLING ACT NOTICE IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL:\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Noble Federal Credit Union, P.O. Box 8027, Fresno, CA 937479881\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 bill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 if we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 if we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and 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, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\n\nPage 6 of 7\n\n\x0cTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at: Noble Federal Credit Union, P.O. Box 8027, Fresno, CA 93747.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will\ntell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n04/13/2021\n\nPage 7 of 7\n\n\x0c'