b"Credit Card Disclosure Statement and Agreement\nfor APGFCU\xc2\xae Credit and Share Secured Credit\nCards Issued After June 15, 2017\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those\nwho apply for the card or use the card. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA\xc2\xae Credit Card\nand any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit\nCard Line of Credit account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means Aberdeen\nProving Ground Federal Credit Union (APGFCU). By signing, using or accepting\nthe APGFCU VISA card, you acknowledge receipt of this Agreement and agree\nto terms herein.\n1. Responsibility: If we issue a card, you agree to repay all amounts\nadvanced to you, any fees or charges and the FINANCE CHARGE arising from\nthe use of the card and the card account. For example, you are responsible\nfor charges made by yourself, your spouse and minor children and anyone else\nto whom you give the card. You may request additional cards for individuals\nyou designate as authorized users. You are responsible to repay all amounts\nadvanced by authorized users, any fees or charges and the FINANCE CHARGE\narising from their use of the card. If you notify us that someone you have given\nyour card is not authorized to use it any more, we will cancel the card. You\nwill remain liable for the charges they make until the time we cancel the card.\nYou cannot disclaim responsibility by notifying us, but we will close the account\nfor new transactions if you so request. Your obligation to pay the account\nbalance continues even though an agreement, divorce decree or other court\njudgements to which we are not a party may direct you or one of the other\npersons responsible to pay the account.\n2. Lost Card Notification: If you believe the card has been lost or stolen,\nyou should immediately call the Credit Union during business hours at\n410-272-4000 or toll-free at 800-225-2555.\n3. Liability for Unauthorized Use: You may be liable for the unauthorized\nuse of your card. You agree to notify us immediately in the event of the\nloss, theft or unauthorized use of your card by telephone at 410-272-4000 or\ntoll-free at 1-800-225-2555 or by writing APG Federal Credit Union, P.O. Box\n1176, Aberdeen, MD 21001. Until you do, you may have to pay up to $50 for\nthe purchases and/or cash advances made by anyone who used your card\nwithout your permission. You may also be liable for the unauthorized use of\nconvenience checks.\n4a. Credit Line: If we approve your application, we will establish a selfreplenishing Line of Credit for you and notify you of its amount when we issue\nthe card. You agree not to let the account balance exceed this approved Credit\nLine. Each payment you make on the account will restore your Credit Line by\nthe amount of the payment which is applied to principal. You may request an\nincrease in your Credit Line by written application, or telephone call to us at\n800-225-2555, which must be approved by us. By giving you written notice,\nwe may reduce your Credit Line from time to time, or, with good cause, revoke\nyour card and terminate this Agreement. Upon revocation of your card any\noutstanding balance and FINANCE CHARGE shall immediately become due and\npayable under the terms of this Agreement. Good cause includes your failure to\ncomply with this Agreement, our adverse reevaluation of your creditworthiness\nor your use of this card in furtherance of any purpose deemed to be illegal\nunder state or federal law. You may also terminate this Agreement at any\ntime, but termination by either of us does not affect your obligation to pay\nthe account balance and FINANCE CHARGE arising from authorized use of the\ncard. The cards remain our property and you must recover and surrender to us\nall cards upon our request and upon termination of the Agreement.\n4b. Share Secured Credit Line: If we approve your application, we\nwill establish a self-replenishing Line of Credit equal in amount to pledged\nshares for you and notify you of its amount when we issue the card. You\nagree not to let the account balance exceed this approved Credit Line.\nEach payment you make on the account will restore your Credit Line by the\namount of the payment which is applied to principal. You may request\nan increase in your Credit Line by written application or telephone call\nto us, which must be approved by us at 1-800-225-2555, and by pledging\nthe additional shares equivalent to the increased Credit Line. By giving\nyou written notice, we may reduce your Credit Line from time to time,\nor, with good cause, revoke your card and terminate this Agreement. Upon\n\nrevocation of your card any outstanding balance and FINANCE CHARGE shall\nimmediately become due and payable under the terms of this Agreement.\nGood cause includes your failure to comply with this Agreement, our adverse\nreevaluation of your creditworthiness or your use of this card in furtherance\nof any purpose deemed to be illegal under state or federal law. You may also\nterminate this Agreement at any time, but termination by either of us does not\naffect your obligation to pay the account balance and FINANCE CHARGE arising\nfrom authorized use of the card. The cards remain our property and you must\nrecover and surrender to us all cards upon termination of the Agreement.\n4c. Balance Transfers: Balance transfers are a feature of your card, which\nyou may access anytime or during promotions we may offer from time to time.\nYou may transfer balances from other creditors up to your available credit limit.\nBalances you transfer from other creditors will be treated as cash advances for\nthe purpose of this agreement and will be subject to your standard cash advance\nAPR unless a promotional APR applies. Any balance transfer promotional offers\nwill describe the terms and conditions of the offer. Balance transfers may not be\nused to pay any amount owed to us on this credit card agreement or any other\nAPGFCU credit card or loans you may have with us. If you transfer your balances\nyou may lose your grace period on purchases.\n5. Checking Overdraft Protection: This VISA Credit Line also allows you to\noverdraft your checking account for any lawful purpose except for payment to this\nVISA Credit Card account and shall be subject to service charges in accordance\nwith the rate schedules disclosed in the VISA Credit Card Application, VISA Credit\nApproval Letter, and/or VISA Credit Card Disclosure Statement and Agreement.\nWe will credit to your checking account, in multiples of $50, an amount (the\nadvance) sufficient to permit us to honor such check. Such credit advances are\nconsidered by us as cash advances and are subject to the terms and conditions\nconcerning cash advances in this Agreement.\n6. Credit Information: You authorize us to investigate your credit standing\nincluding your ability to pay, obtain and verify credit reports and other\ninformation about you when opening, renewing or reviewing your account,\nand you authorize us to disclose information regarding your account to credit\nbureaus and other creditors who inquire of us about your credit standing,\nsubject to applicable law.\nYou agree that we will give information about the Account to credit reporting\nagencies. We will tell a credit reporting agency if you fail to comply with any term\nof this Agreement. This may have a negative impact on your credit report.\n7. Monthly Payment: We will mail you a statement every month showing\nyour Previous Balances of purchases, cash advances and balance transfers;\nthe current transactions on your account; the remaining credit available under\nthe Credit Line; the New Balances of purchases, cash advances and balance\ntransfers; the New Balance Total; the FINANCE CHARGE due to date; any other\nbilled fees; and the Minimum Payment required. Each month, you must pay at\nleast the Minimum Payment within 25 days of your statement closing date. You\nmay authorize us to charge the Minimum Payment automatically to your share\naccount with us. You may, of course, pay more frequently, pay more than the\nMinimum Payment, or pay the Total New Balance in full, and you will reduce the\nFINANCE CHARGE by doing so.\nThe Minimum Payment on your account will be either (a) 2.0% of your Total\nNew Balance, or $25, whichever is greater, or (b) your Total New Balance, if\nit is less than $25 plus (c) any portion of the Minimum Payment(s) shown on\nprior statement(s) which remains unpaid. In addition, at any time your Total\nNew Balance exceeds your Credit Line, you must immediately pay the excess\nwithout our demand.\nSubject to applicable law, your payments may be applied to what you owe the\nCredit Union in any manner the Credit Union chooses. However, in every case,\nin the event you make a payment in excess of the required minimum periodic\npayment, the Credit Union will allocate the excess amount first to the balance\nwith the highest annual percentage rate and any remaining portion to the other\nbalances in descending order based on applicable annual percentage rate.\n\nPage 1 of 4\n\n\x0c8. Irregular Payments: We can accept late payments, partial payments,\nchecks and money orders marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or language having the same\neffect without losing any of our rights under this agreement.\n9. Finance Charge: You can avoid the FINANCE CHARGE on purchases by\npaying the full amount of the New Balance Total each month within 25 days of\nyour statement closing date. Otherwise, the New Balance, including purchases,\ncash advances, and subsequent purchases from the date they are posted to\nyour account, will be subject to the FINANCE CHARGE. Cash advances, balance\ntransfers, convenience checks are always subject to the FINANCE CHARGE from\nthe date they are posted to your account.\nThe FINANCE CHARGE (interest) is calculated on the average daily principal\nbalances of purchases and cash advances in the account at the daily periodic\nrate and corresponding Annual Percentage Rate disclosed in the VISA Credit\nCard Approval Letter.\nThe principal balances of purchases, cash advances and balance transfers are\ndetermined each day during the statement period, beginning with the principal\nportion of your Previous Balances, reduced by payments you make and credits\nwe apply, and increased by purchases, cash advances and balance transfers\nyou make and debit adjustments we make during the statement period. The\ndaily principal balances are totaled and divided by the number of days in the\nstatement period, to produce separate average daily principal balances for\npurchases, cash advances and balance transfers to which the periodic rate is\nthen applied.\n10a. Non-Variable Rate APR: Your Annual Percentage rate is provided in\nyour VISA Credit Card Approval Letter (the \xe2\x80\x9cstated rate\xe2\x80\x9d). This rate is subject\nto change. We may modify this rate only after providing you with written notice\nat least forty five (45) days in advance. Any change in these terms, including\nchanges in the Annual Percentage Rate, will apply to your future transactions.\nYour Annual Percentage Rate may also change in the event that you request\nand are approved for an increase or decrease in your Credit Line or request and\nare approved to change your credit product.\n10b. Variable APRs Based on Prime: For our variable rate cards, your\nAnnual Percentage Rate is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d). Your\nAnnual Percentage Rate will equal the Prime Rate plus a margin. If the Prime\nRate increases, it will cause the Annual Percentage Rate to increase. If the\nPrime Rate decreases, it will cause the Annual Percentage Rate to decrease.\nYour FINANCE CHARGE for every $1.00 in your daily balance may increase if\nthe Prime Rate rises and will decrease if the Prime Rate falls. For example, a\nchange in the Prime Rate of one percentage point will result in a one percentage\npoint change in the same direction in your Annual Percentage Rate with a\ncorresponding change in your daily periodic rate. For each billing period, we\nuse the Prime Rate published in The Wall Street Journal on the first business\nday of each month. If the Prime Rate causes an Annual Percentage Rate to\nchange, we put the new Annual Percentage Rate into effect as of the first day\nof the billing period following the month in which the Prime Rate changed. We\napply the new Annual Percentage Rate to any existing balance, subject to any\npromotional rates that may apply.\nFor Platinum Preferred Student/Starter, Platinum Preferred and Platinum\nPreferred Rewards VISA cards, the margin is determined based on an evaluation\nof each member\xe2\x80\x99s credit history. The margins will range from 5.74% to 14.24%\nbased on product type. For the Classroom Supply VISA, the margin is 0.00%.\nFor the Share Secured and the Money Market Share Secured VISA cards, the\nmargin is 1.00%.\nIf your VISA credit line is secured by a Regular Share account, the maximum\nrate will not exceed 5% above the current APGFCU dividend rate on Regular\nShare Accounts. If your VISA credit line is secured by a Money Market Share\nAccount, the maximum rate will not exceed 5% above the current APGFCU tier\nfor the lowest Money Market tier rate. For all other variable rate cards, The\nAnnual Percentage Rate will not increase to more than 18% (or such other rates\nas may be permitted under the Federal Credit Union Act).\nYour Annual Percentage Rate may also change in the event that you request\nand are approved for an increase or decrease in your Credit Line or request and\nare approved to change your credit product.\n\n11. Military Lending Act: Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums or debt\nprotection fees; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees\nfor specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). To receive this\nnotice verbally, please call 800-225-2555 24 hours a day, 7 days a week.\nCertain contractual provisions, as more fully set forth in 32 C.F.R. Section 232.8,\nare not permitted in loan agreements with borrowers covered by the Military\nLending Act (MLA). To the extent that any of those provisions are contained in\nthese disclosures, they shall be inapplicable to covered borrowers under the\nMLA.\n12. Late Charge: If you fail to pay the minimum on your account within fifteen\n(15) days of the payment due date, a late payment charge will be assessed and\nadded to your account.\n13. Fees: The VISA Card account shall be subject to service charges\nin accordance with the rate schedules disclosed in the VISA Credit Card\nApplication, VISA Credit Approval Letter, and/or VISA Credit Card Disclosure\nStatement and Agreement. If you request photocopies of sales slips,\nduplicate copies of monthly billing statements or a replacement card, you\nagree to pay our reasonable costs for such services. The present charges\nfor these services are stated specifically in the current Service Price List.\nYou can pick one up in any branch or call us and we\xe2\x80\x99ll mail a copy to you.\n14a. Default and Share Secured Default: You will be in default if you fail\nto make the minimum payment within 25 days after your monthly statement\nclosing date. You will also be in default if: (a) you breach any other conditions\nof the Agreement; (b) bankruptcy or insolvency proceedings are started by you\nor against you; (c) if we determine your credit-worthiness (which includes your\nability to repay us) has become unsatisfactory due to change in employment,\nincrease in your other obligations, or because of any other reason; (d) in the\nevent of your death; (e) your use of the card in furtherance of any purpose\ndeemed to be illegal under state or federal law; or (f) we discover at any time\nthat you provided false or fraudulent information in your credit application.\nIn the event of any default or in the event this Agreement is terminated by you\nor by us for any reason, the entire balance on the Account becomes due and\npayable forthwith. You also agree that, in case of default, you will pay all usual\nand customary costs of collection permitted by law, including court costs and\nreasonable attorney fees. You agree that the jurisdiction in any dispute or for\nany collection purposes will be in the State of Maryland.\n14b. Penalty APR: The Penalty APR may be applied to your account if you:\n\xe2\x80\xa2 Are over 60 days past due or\n\xe2\x80\xa2 Make a payment that is returned and causes your account to be over\n60 days past due.\nThe penalty APR is 18.00% (or such other rates as may be permitted under the\nFederal Credit Union Act). If the penalty APR is applied to your account, it will\napply to both existing and new transactions. It will no longer apply to existing\ntransactions if you make the next six consecutive minimum payments. If you\ndo not make these six consecutive minimum payments, the Penalty APR may\ncontinue to apply to both new and existing balances indefinitely.\n15. Using the Card: You must sign your card to use it. To make a purchase\nor cash advance, there are two alternative procedures to follow. One is for you\nto present the card to a participating VISA plan merchant, to us or to another\nfinancial institution. You may be required to sign the sales or cash advance draft.\nThe other is to complete the transaction by using your Personal Identification\nNumber (PIN) in conjunction with the card in an Automated Teller Machine\n(ATM) or other type of electronic terminal that provides access to the VISA\nsystem. ATM transactions are subject to cash advance fees.\nThe monthly statement will identify the merchant, electronic terminal or\nfinancial institution at which transactions were made, but sales, cash advance,\ncredit or other slips cannot be returned with the statement. You should retain\n\nPage 2 of 4\n\n\x0cthe copy of such slips furnished at the time of the transaction in order to verify\nthe monthly statement. The Credit Union may make a reasonable charge for\nphotocopies of slips you may request.\nWe may issue VISA Convenience Checks to you which may be used to obtain\ncash advances. Each Convenience Check will contain your Credit Union member\nnumber and may be used only by the person whose name is printed on it. Each\nmust be completed and signed in the same way as a regular personal check.\nYou may not use a VISA Convenience Check to pay any amount owed to us on\nthis credit card agreement or any other APGFCU credit card or loans you may\nhave with us.\nIf you give your account number to make a purchase or obtain a cash advance\nwithout presenting the card (such as for online, mail order or telephone\npurchase), the legal effect will still be the same as if the card itself was used\nby you.\nWe are not responsible if anyone refuses to honor your credit card or\nConvenience Check.\n16. Prohibited Use of the Card: You may not use your card to buy lottery\ntickets, place bets or gamble if these transactions are made online. You also\nmay not use your card for any illegal transactions.\n17. Stop Payment: If before a Balance Transfer or Convenience Check drawn\non your Account has been honored, you notify us not to pay it, we will stop\npayment on the check. You must send us a written and signed stop payment\norder which states the number, payee, amount, and date of the check on which\npayment is to be stopped. We may disregard any such order six months after\nour receipt unless you renew your request.\n18. Returns and Adjustments: Merchants and others who honor the card\nmay give credit for returns or adjustments, and they will do so by sending us\na credit which will be posted to your account. If your credits and payments\nexceed what you owe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or refund it and transfer the credit\nbalance to your share account.\n19. Foreign Transactions: Purchases and cash advances made in foreign\ncountries and foreign currencies will be billed to you in U.S. dollars. The\nconversion rate to dollars and the fees for all international transactions will be in\naccordance with the operating regulations of VISA USA, Inc. The exchange rate\nbetween the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by VISA from the range of rates\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or the governmentmandated rate in effect for the applicable processing date. In addition, a fee of\n1% of the transaction amount may be charged on all international transactions\nregardless of whether or not currency conversion is involved.\n20. Plan Merchant Disputes: We are not responsible for the refusal of any\nplan merchant or financial institution to honor your card. We are subject to\nclaims and defenses (other than tort claims) arising out of goods or services\nyou purchase with the card only if you have made a good faith attempt, but\nhave been unable to obtain satisfaction from the plan merchant, and: (a) your\npurchase was made in response to an advertisement we sent or participated in\nsending you; or (b) your purchase cost more than $50 and was made from a plan\nmerchant in your state or within 100 miles of your home. Any other disputes you\nmust resolve directly with the plan merchant.\n\ndate under the terms of the Agreement governing your account at the time\nour notice was given. If you use your card after the effective date of this\nAgreement or any Amendment, you will be considered to have agreed to the\nnew terms even if you have sent us such written notice. To the extent the law\npermits, and we indicate in our notice, amendments will apply to your existing\naccount balance as well as future transactions.\n22. Notices: We mail you statements and notices through the U.S. Mail,\npostage prepaid, and address them to you at the latest billing address on our\nrecords or, if you've agreed, by email to the address you gave us. Any notice\nthat we send you through the U.S. Mail is deemed to be given when deposited\nin the U.S. Mail. We consider an electronic notice sent as soon as we email it,\nunless we receive notification that the email was undeliverable. You must notify\nus immediately if you change the address to which we send billing statements.\nIf you have more than one account you must notify us and we will change the\naddress on all accounts. We may update your billing address if we receive\ninformation that it has changed or is incorrect.\n23. No Waiver: The Credit Union can delay enforcing any of its rights any\nnumber of times without waiving them.\n24. Reward Points: For those cards that earn reward points, your card may\nbe associated with a bonus points or similar rewards program. Your participation\nin such a rewards program is subject to the particular rewards program\xe2\x80\x99s terms\nand conditions (the \xe2\x80\x9cProgram Rules\xe2\x80\x9d). Your use of the card associated with the\nrewards program is your consent to be bound by the Program Rules. The Program\nRules may, from time to time, be modified or amended, including but not limited\nto discontinuing particular rewards or discontinuing the rewards program itself.\nThe latest edition of Program Rules will typically be provided with the associated\nCard or otherwise made available to you, for example, by visiting a particular\ninternet address. We will provide a copy of such Program Rules upon request.\nIf you close your account and/or membership, you will forfeit all rewards points\nearned but not yet credited. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED,\nREGARDING THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR\nA PARTICULAR PURPOSE OF ANY GOODS OR SERVICES PURCHASED WITH\nBONUS POINTS, AND WE WILL HAVE NO LIABILITY FOR ANY DEFECTS IN SUCH\nGOODS OR SERVICES OR FOR ANY DAMAGES RESULTING FROM THEIR USE.\n25. How We May Contact You: You expressly agree in order for APGFCU to\nprovide information about your account and obtain any payment for amounts\nyou may owe APGFCU, we or our authorized parties may contact you and send\ntext messages to you. We may use pre-recorded/artificial voice messages\nor an automated dialing device to contact you at any telephone number\nassociated with your APGFCU account, including mobile numbers, as permitted\nby applicable law. You also expressly agree that we may email you at any email\naddress you have provided us.\n26. Governing Law: This agreement is governed by the Annotated Code\nof Maryland, Financial Institutions Article, Title 6 and the Annotated Code of\nMaryland, Commercial Law Article, Title 12, Subtitle 9 and applicable federal\nlaw or regulation.\n\n21. Effect of Agreement: This Agreement is the contract which applies to\nall transactions of your account even though the sales, cash advance, balance\ntransfer or convenience checks you sign may contain different terms. We may\namend this Agreement from time to time by sending you advance written\nnotice required by law. The Amendment will become effective on the effective\ndate stated in the notice. Use of your card after receiving notice of a change\nwill further evidence your agreement to the change. If you give us written\nnotice that you do not agree to the change, we will terminate your account\nand you will be permitted to pay the outstanding balance as of the effective\n\nPage 3 of 4\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit 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:\nAPG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001\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. You may call us, but\nif you do we are not required to investigate any potential errors and you may\nhave 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\nthat 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\ncorrect the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\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.\n\n\xe2\x80\xa2 You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n\xe2\x80\xa2 You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nAPG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nIn case of errors or questions about your electronic funds transfer\n(Federal Electronic Funds Transfer Act) call us at 410-272-4000 or toll-free\nat 800-225- 2555. TTY: 1-800-811-4888. Or write us at APG Federal Credit\nUnion, P.O. Box 1176, Aberdeen, Maryland 21001-6176, as soon as you\ncan, if you think your statement or receipt is wrong or if you need more\ninformation about a transfer listed on the statement or receipt. We must hear\nfrom you no later than 60 days after we sent the FIRST statement on which\nthe problem or error appeared.\n1. Tell us your name and account number (if any).\n2. Describe the error or the transfer you are unsure about, and\nexplain as clearly as you can why you believe it is an error or\nwhy you need more information.\n3. Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint or\nquestion in writing within ten (10) business days. We will determine whether\nan error occurred within ten (10) business days (20 business days if the\ntransfer involved a new account) after we hear from you and will correct\nany error promptly. If we need more time, however, we may take up to 45\ndays (90 days if the transfer involved a new account, or a foreign initiated\ntransfer) to investigate your complaint or question. If we decide to do this,\nwe will credit your account within 5 business days (20 days if the transfer\ninvolved a new account) for the amount you think is in error, so that you\nwill have the use of the money during the time it takes us to complete our\ninvestigation. If we ask you to put your complaint or question in writing\nand we do not receive it within 10 business days, we may not credit your\naccount. An account is considered a new account for 30 days after the first\ndeposit is made, if you are a new member.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\nWe will tell you the results within three business days after completing our\ninvestigation. If we decide that there was no error, we will send you a written\nexplanation. You may ask for copies of the documents that we used in our\ninvestigation.\n\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\n\nAutomatic Payment Transfers\nIf you have authorized us to pay your credit card bill automatically from your\nShare or Checking account, you can stop the payment on any amount you\nthink is wrong. To stop the payment your letter must reach us three business\ndays before the automatic payment is scheduled to occur.\n\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase. To use this right, all of the following must be true:\n\xe2\x80\xa2 The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\nVD-VIS-DIS-031721\n\nPage 4 of 4\n\nFederally insured by NCUA\n\n\x0cSecurity Interest Disclosure\nI/we acknowledge and pledge, as a condition of my/our use of the APGFCU credit card, that I/we\nhave voluntarily granted APGFCU a security interest in all my/our individual and joint shares, share\ndraft and share certificates now or in the future held at AGPFCU. If my/our credit card loan becomes\ndelinquent, this security interest may be used without further notice to pay all or any part of such\ndelinquency. This security interest does not apply to shares in an IRA, Keogh, or similar tax deferred\naccount.\nIn addition, I/we acknowledge that the Federal Credit Union Act (12 U.S.C. 1757 (11)) secures all\namounts owed APGFCU for use of this credit card by me/us or any authorized user and may be\napplied upon default against any of my/ours shares, share draft or share certificate account balances\nwithout further notice to pay all or any part of such delinquency. This security interest does not apply\nto shares in an IRA, Keogh or similar tax deferred account.\n\nVD-VIS-DIS-031721\nPage 1 of 1\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n0% introductory APR for 15 months for purchases made within the first 90 calendar days from account opening.\nAfter that, and for purchases completed after the first 90 calendar days, your standard APR will apply based on your\ncreditworthiness at the time you opened your account. This APR will vary with the market based on the Prime Rate.\n\nVisa Platinum Preferred\nVisa Platinum Preferred Rewards\nVisa Platinum Preferred Student/Starter\n\nVisa Platinum Clarity\n\n8.99% \xe2\x80\x93 16.99%\n10.49% \xe2\x80\x93 17.49%\n13.99% \xe2\x80\x93 15.99%\n15.99% non-variable APR\n\nThe APRs below will vary with the market based on the Prime Rate.\nClassroom Supply Visa\n\na\n\nShare Secured Visa Platinum Rewards\n\nb\n\nMoney Market Share Secured Visa Platinum Rewardsc\nAnnual Percentage Rate (APR) for Balance Transfers\n\n3.25%\n4.25%\n4.25%\n\n0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first\n90 calendar days from account opening for Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred\nStudent/Starter Visa cards. Balance transfer approval conditions apply. After that, and for balance transfers completed\nafter the first 90 calendar days, your APR will be 8.99% to 17.49% based on your creditworthiness at the time you\nopened your account. This APR will vary with the market based on the Prime Rate.\nFor each Visa card listed below, the APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2 Classroom Supply Visaa 3.25%\n\xe2\x80\xa2 Shared Secured Visa Platinum Rewardsb 4.25%\n\xe2\x80\xa2 Money Market Shared Secured Visa Platinum Rewardsc 4.25%\n\nVisa Platinum Clarity\n\n15.99% non-variable APR\n\nAnnual Percentage Rate (APR) for Cash\nAdvances and Convenience Checks\n\nFor Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards, your APR will\nbe 8.99% to 17.49% APR based on product type and your creditworthiness at the time you opened your account.\nThis APR will vary with the market based on the Prime Rate.\nFor each Visa card listed below, the APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2 Classroom Supply Visaa 3.25%\n\xe2\x80\xa2 Shared Secured Visa Platinum Rewardsb 4.25%\n\xe2\x80\xa2 Money Market Shared Secured Visa Platinum Rewardsc 4.25%\n\nVisa Platinum Clarity\n\n15.99% non-variable APR\n\nPenalty APR and When It Applies\n\n18.00%\n\nThis APR may apply to your account if you:\n\xe2\x80\xa2 Are over 60 days past due; or\n\xe2\x80\xa2 Make a payment that is returned and causes your account to be over 60 days past due.\nHow long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR may\napply indefinitely.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if\nyou pay the entire balance by the due date each month. We will begin charging interest on balance transfers, cash\nadvances and overdraft advances, if enrolled, on the transaction date.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Balance Transfer\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\xe2\x80\xa2 $2\n\xe2\x80\xa2 up to 1% of transaction amount in U.S. dollars\n\xe2\x80\xa2 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance\ntransfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR.\n\xe2\x80\xa2 There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90\ncalendar days of account opening, and you will be charged your standard variable rate APR.\n\xe2\x80\xa2 $25\n\xe2\x80\xa2 $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nVariable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2021. Your APR may vary. Rates are determined and adjusted monthly, according to\nyour statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 5.74% to 14.24%\nbased on an evaluation of each member\xe2\x80\x99s credit history and product type. The Margin for the Classroom Supply, Share Secured and Money Market Share Secured Visa cards is below:\na\n\nWe add 0.00% to the Prime Rate for the Classroom Supply Visa\n\nb\n\nWe add 1.00% to the Prime Rate for the Share Secured Visa, not to exceed 5.00% above the current rate on the Regular Share Accounts\n\nc\n\nWe add 1.00% to the Prime Rate for the Money Market Share Secured Visa, not to exceed 5.00% above the lowest Money Market tier rate\n\nBalance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within\nthe first 10 days of account opening, please call 800-225-2555. Please continue to make regular payments to your other account(s) until you know the balance has been paid.\nThis disclosure was printed and accurate as of 04/01/2021, and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this\ndisclosure, call toll free 800-225-2555, or 800-811-4888 TTY.\nPage 1 of 2\nVD-VIS-DIS-031721\n\n\x0cTerms and Conditions of Balance Transfer Offer for\nNew APGFCU Visa\xc2\xae Accounts\n\xe2\x80\xa2 0% introductory APR for 15 months from the date\nof account opening for balance transfers submitted\nwithin the first 90 calendar days from account\nopening for Cash Back, Platinum Preferred, Platinum\nPreferred Rewards and Platinum Preferred Student/\nStarter Visa cards.\n\n\xe2\x80\xa2 APGFCU is not responsible for any payments being\nlate, lost in the mail or for any finance or other\ncharges that may occur due to a delay in processing\na balance transfer request.\n\n\xe2\x80\xa2 After 15 months, your introductory rate will end and\nyour standard cash advance rate will apply.\n\n\xe2\x80\xa2 Balance transfers are always subject to Finance\nCharges from the date they are posted to your\naccount to the date on which they are paid in full.\n\n\xe2\x80\xa2 3% of the amount of each balance transfer\ntransaction will be assessed to your account upon\nposting for all balance transfer requests submitted\nwithin the first 90 calendar days of account opening\nat the 0% introductory APR.\n\xe2\x80\xa2 There is no balance transfer fee for all balance\ntransfer requests submitted and posted to your\naccount after 90 calendar days of account opening,\nand you will be charged your standard variable rate\nAPR.\n\xe2\x80\xa2 You authorize APGFCU to pay off the balances or\nportions of the balances due on the credit cards/\ncharges/loans listed within this online form or\nverbally by means of a Balance Transfer charged to\nyour APGFCU Visa account. There is no limit to the\nnumber of transfers permitted up to your approved\ncredit limit.\n\xe2\x80\xa2 You understand the balance transfer request we\napprove for you may not ultimately pay your total\nbalance due with the other creditor, which may\nresult in outstanding charges imposed by the other\ncreditor. It is your responsibility to make timely\npayments to your other creditor. You should continue\nto make payments to these other credit card or loan\nissuers until the balance transfer is reflected on your\naccount with us as a payment made by us to your\ncreditor. All balance transfers are paid by us directly\nto the other creditor.\n\n\xe2\x80\xa2 Balances transferred will not receive a balance\ntransfer cash rebate or reward points.\n\n\xe2\x80\xa2 You must pay in full the entire balance (including\nbalance transfers and new purchases) by the end\nof each payment cycle to avoid accruing interest on\npurchases.\n\xe2\x80\xa2 Each balance transfer will reduce your available\ncredit. We will process the requested balance\ntransfers in the order you submit them to us. Should\nthere be an insufficient credit limit on your account\nwith us, you understand we will pay off the balances\nof other creditors only up to the amount of the\navailable credit limit you have with us, which could\nresult in only a partial payment of the remaining\naccount balances with the other creditor.\n\xe2\x80\xa2 The total amount(s) of your request cannot exceed\nyour available credit with us. Should the request\nexceed the available credit, we will decline the\nrequest and you will have the option to apply for\na credit limit increase. APGFCU reserves the right\nto refuse to honor any request for a credit limit\nincrease. You should not transfer from another\ncreditor the amount of any disputed purchases or\nother charges. If you do, you may lose your right to\ndispute the charges with that other creditor.\n\xe2\x80\xa2 This offer cannot be combined with any other\nbalance transfer offers. We will not process any\nbalance transfer requests that are from any other\naccount or loan issued by APGFCU.\nVD-VIS-DIS-031721\n\nPage 2 of 2\n\n\x0c"


b"APGFCU\xc2\xae Cash Back Credit Card Disclosure\nStatement and Agreement\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who\napply for the card or use the card. \xe2\x80\x9cCard\xe2\x80\x9d means the Cash Back Visa\xc2\xae Credit\nCard and any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your APGFCU\nCash Back Visa Credit Card Line of Credit account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and\n\xe2\x80\x9cours\xe2\x80\x9d means Aberdeen Proving Ground Federal Credit Union (APGFCU). By\nsigning, using or accepting the APGFCU Cash Back Visa Credit Card, you\nacknowledge receipt of this Agreement and agree to terms herein.\n1. Responsibility: If we issue a card, you agree to repay all amounts\nadvanced to you, any fees or charges and the FINANCE CHARGE arising from\nthe use of the card and the card account. For example, you are responsible for\ncharges made by yourself, your spouse and minor children and anyone else to\nwhom you give the card. You may request additional cards for individuals you\ndesignate as authorized users. You are responsible to repay all amounts\nadvanced by authorized users, any fees or charges and the FINANCE CHARGE\narising from their use of the card. If you notify us that someone you have given\nyour card is not authorized to use it any more, we will cancel the card. You will\nremain liable for the charges they make until the time we cancel the card. You\ncannot disclaim responsibility by notifying us, but we will close the account for\nnew transactions if you so request. Your obligation to pay the account balance\ncontinues even though an agreement, divorce decree or other court judgments\nto which we are not a party may direct you or one of the other persons\nresponsible to pay the account.\n2. Lost Card Notification: If you believe the card has been lost or stolen,\nyou should immediately call the Credit Union during business hours at 410272-4000 or toll-free at 1-800-225-2555.\n3. Liability for Unauthorized Use: You may be liable for the unauthorized\nuse of your card. You agree to notify us immediately in the event of the loss,\ntheft or unauthorized use of your card by telephone at 410-272-4000 or tollfree at 1-800-225-2555 or by writing APG Federal Credit Union, P.O. Box 1176,\nAberdeen, MD 21001. Until you do, you may have to pay up to $50 for the\npurchases and/or cash advances made by anyone who used your card without\nyour permission. You may also be liable for the unauthorized use of convenience\nchecks.\n4a. Credit Line: If we approve your application, we will establish a selfreplenishing Line of Credit for you and notify you of its amount when we issue\nthe card. You agree not to let the account balance exceed this approved Credit\nLine. Each payment you make on the account will restore your Credit Line by\nthe amount of the payment which is applied to principal. You may request an\nincrease in your Credit Line by written application, or telephone call to us at\n1-800-225-2555, which must be approved by us. By giving you written notice,\nwe may reduce your Credit Line from time to time, or, with good cause, revoke\nyour card and terminate this Agreement. Upon revocation of your card any\noutstanding balance and FINANCE CHARGE shall immediately become due and\npayable under the terms of this Agreement. Good cause includes your failure\nto comply with this Agreement, our adverse reevaluation of your creditworthiness\nor your use of this card in furtherance of any purpose deemed to be illegal\nunder state or federal law. You may also terminate this Agreement at any time,\nbut termination by either of us does not affect your obligation to pay the\naccount balance and FINANCE CHARGE arising from authorized use of the\ncard. The cards remain our property and you must recover and surrender to us\nall cards upon our request and upon termination of the Agreement.\n4b. Balance Transfers: Balance transfers are a feature of your card, which\nyou may access anytime or during promotions we may offer from time to time.\nYou may transfer balances from other creditors up to your available credit limit.\nBalances you transfer from other creditors will be treated as cash advances for\nthe purpose of this agreement and will be subject to your standard cash\nadvance APR unless a promotional APR applies. Any balance transfer\npromotional offers will describe the terms and conditions of the offer. Balance\ntransfers may not be used to pay any amount owed to us on this credit card\nagreement or any other APGFCU credit card or loans you may have with us. If\nyou transfer your balances you may lose your grace period on purchases.\n\n5. Checking Overdraft Protection: This Cash Back Visa Credit Line also\nallows you to overdraft your checking account for any lawful purpose except for\npayment to this Cash Back Visa Credit Card account and shall be subject to\nservice charges in accordance with the rate schedules disclosed in the Cash\nBack Visa Credit Card Application, Cash Back Visa Credit Approval Letter, and/or\nCash Back Visa Credit Card Disclosure Statement and Agreement. We will credit\nto your checking account, in multiples of $50, an amount (the advance)\nsufficient to permit us to honor such check. Such credit advances are considered\nby us as cash advances and are subject to the terms and conditions concerning\ncash advances in this Agreement.\n6. Credit Information: You authorize us to investigate your credit standing\nincluding your ability to pay, obtain and verify credit reports and other\ninformation about you when opening, renewing or reviewing your account, and\nyou authorize us to disclose information regarding your account to credit\nbureaus and other creditors who inquire of us about your credit standing,\nsubject to applicable law.\nYou agree that we will give information about the Account to credit reporting\nagencies. We will tell a credit reporting agency if you fail to comply with any\nterm of this Agreement. This may have a negative impact on your credit report.\n7. Monthly Payment: We will mail you a statement every month showing your\nPrevious Balances of purchases, cash advances, balance transfers and earned\ncash back awards; the current transactions on your account; the remaining\ncredit available under the Credit Line; the New Balances of purchases, cash\nadvances and balance transfers; the New Balance Total; the FINANCE CHARGE\ndue to date; any other billed fees; and the Minimum Payment required. Each\nmonth, you must pay at least the Minimum Payment within 25 days of your\nstatement closing date. You may authorize us to charge the Minimum Payment\nautomatically to your share account with us. You may, of course, pay more\nfrequently, pay more than the Minimum Payment, or pay the Total New Balance\nin full, and you will reduce the FINANCE CHARGE by doing so.\nThe Minimum Payment on your account will be either (a) 2.0% of your Total\nNew Balance, or $25, whichever is greater, or (b) your Total New Balance, if it\nis less than $25 plus (c) any portion of the Minimum Payment(s) shown on prior\nstatement(s) which remains unpaid. In addition, at any time your Total New\nBalance exceeds your Credit Line, you must immediately pay the excess without\nour demand.\nSubject to applicable law, your payments may be applied to what you owe the\nCredit Union in any manner the Credit Union chooses. However, in every case,\nin the event you make a payment in excess of the required minimum periodic\npayment, the Credit Union will allocate the excess amount first to the balance\nwith the highest annual percentage rate and any remaining portion to the other\nbalances in descending order based on applicable annual percentage rate.\n8. Irregular Payments: We can accept late payments, partial payments,\nchecks and money orders marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or language having the same\neffect without losing any of our rights under this agreement.\n9. Finance Charge: You can avoid the FINANCE CHARGE on purchases by\npaying the full amount of the New Balance Total each month within 25 days of\nyour statement closing date. Otherwise, the New Balance, including purchases,\ncash advances, and subsequent purchases from the date they are posted to\nyour account, will be subject to the FINANCE CHARGE. Cash advances, balance\ntransfers, convenience checks are always subject to the FINANCE CHARGE from\nthe date they are posted to your account.\nThe FINANCE CHARGE (interest) is calculated on the average daily principal\nbalances of purchases and cash advances in the account at the daily periodic\nrate and corresponding Annual Percentage Rate disclosed in the Cash Back Visa\nCredit Card Approval Letter.\nThe principal balances of purchases, cash advances and balance transfers are\ndetermined each day during the statement period, beginning with the principal\n\nPage 1 of 4\n\n\x0cportion of your Previous Balances, reduced by payments you make and credits\nwe apply, and increased by purchases, cash advances and balance transfers you\nmake and debit adjustments we make during the statement period. The daily\nprincipal balances are totaled and divided by the number of days in the statement\nperiod, to produce separate average daily principal balances for purchases, cash\nadvances and balance transfers to which the periodic rate is then applied.\n10. Variable APR Based on Prime: Your Annual Percentage Rate is based on\nthe U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d). Your Annual Percentage Rate will equal the\nPrime Rate plus a margin. If the Prime Rate increases, it will cause the Annual\nPercentage Rate to increase. If the Prime Rate decreases, it will cause the\nAnnual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in\nyour daily balance may increase if the Prime Rate rises and will decrease if the\nPrime Rate falls. For example, a change in the Prime Rate of one percentage\npoint will result in a one percentage point change in the same direction in your\nAnnual Percentage Rate with a corresponding change in your daily periodic rate.\nFor each billing period, we use the Prime Rate published in The Wall Street\nJournal on the first business day of each month. If the Prime Rate causes an\nAnnual Percentage Rate to change, we put the new Annual Percentage Rate into\neffect as of the first day of the billing period following the month in which the\nPrime Rate changed. We apply the new Annual Percentage Rate to any existing\nbalance, subject to any promotional rates that may apply.\nThe Cash Back Visa margin is determined based on an evaluation of each\nmember\xe2\x80\x99s credit history. The margin will range from 7.99% to 14.24%.\nThe Annual Percentage Rate will not increase to more than 18% (or such other\nrates as may be permitted under the Federal Credit Union Act).\nYour Annual Percentage Rate may also change in the event that you request and\nare approved for an increase or decrease in your Credit Line or request and are\napproved to change your credit product.\n11. Military Lending Act: Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums or debt\nprotection fees; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). To receive this\nnotice verbally, please call 800-225-2555 24 hours a day, 7 days a week.\nCertain contractual provisions, as more fully set forth in 32 C.F.R. Section 232.8,\nare not permitted in loan agreements with borrowers covered by the Military\nLending Act (MLA). To the extent that any of those provisions are contained in\nthese disclosures, they shall be inapplicable to covered borrowers under the\nMLA.\n12. Late Charge: If you fail to pay the minimum on your account within fifteen\n(15) days of the payment due date, a late payment charge will be assessed and\nadded to your account.\n13. Fees: The Cash Back Visa Card account shall be subject to service charges\nin accordance with the rate schedules disclosed in the Cash Back Visa Credit\nCard Application, Cash Back Visa Credit Approval Letter, and/or Cash Back Visa\nCredit Card Disclosure Statement and Agreement. If you request photocopies of\nsales slips, duplicate copies of monthly billing statements or a replacement card,\nyou agree to pay our reasonable costs for such services. The present charges\nfor these services are stated specifically in the current Service Price List. You can\npick one up in any branch or call us and we\xe2\x80\x99ll mail a copy to you.\n14a. Default: You will be in default if you fail to make the minimum payment\nwithin 25 days after your monthly statement closing date. You will also be in\ndefault if: (a) you breach any other conditions of the Agreement; (b) bankruptcy\nor insolvency proceedings are started by you or against you; (c) if we determine\nyour creditworthiness (which includes your ability to repay us) has become\nunsatisfactory due to change in employment, increase in your other obligations,\nor because of any other reason; (d) in the event of your death; (e) your use\nof the card in furtherance of any purpose deemed to be illegal under state or\n\nfederal law; or (f) we discover at any time that you provided false or fraudulent\ninformation in your credit application.\nIn the event of any default or in the event this Agreement is terminated by you\nor by us for any reason, the entire balance on the Account becomes due and\npayable forthwith. You also agree that, in case of default, you will pay all usual\nand customary costs of collection permitted by law, including court costs and\nreasonable attorney fees. You agree that the jurisdiction in any dispute or for\nany collection purposes will be in the State of Maryland.\n14b. Penalty APR: The Penalty APR may be applied to your account if you:\n\xe2\x80\xa2 Are over 60 days past due or\n\xe2\x80\xa2 Make a payment that is returned and causes your account to be over 60\ndays past due.\nThe penalty APR is 18.00% (or such other rates as may be permitted under the\nFederal Credit Union Act). If the penalty APR is applied to your account, it will\napply to both existing and new transactions. It will no longer apply to existing\ntransactions if you make the next six consecutive minimum payments. If you\ndo not make these six consecutive minimum payments, the Penalty APR may\ncontinue to apply to both new and existing balances indefinitely.\n15. Using the Card: You must sign your card to use it. To make a purchase\nor cash advance, there are two alternative procedures to follow. One is for you\nto present the card to a participating Visa plan merchant, to us or to another\nfinancial institution. You may be required to sign the sales or cash advance draft.\nThe other is to complete the transaction by using your Personal Identification\nNumber (PIN) in conjunction with the card in an Automated Teller Machine (ATM)\nor other type of electronic terminal that provides access to the Visa system. ATM\ntransactions are subject to cash advance fees.\nThe monthly statement will identify the merchant, electronic terminal or financial\ninstitution at which transactions were made, but sales, cash advance, credit or\nother slips cannot be returned with the statement. You should retain the copy of\nsuch slips furnished at the time of the transaction in order to verify the monthly\nstatement. The Credit Union may make a reasonable charge for photocopies of\nslips you may request.\nWe may issue Cash Back Visa Convenience Checks to you which may be used to\nobtain cash advances. Each Convenience Check will contain your Credit Union\nmember number and may be used only by the person whose name is printed on\nit. Each must be completed and signed in the same way as a regular personal\ncheck. You may not use a Cash Back Visa Convenience Check to pay any amount\nowed to us on this credit card agreement or any other APGFCU credit card or\nloans you may have with us.\nIf you give your account number to make a purchase or obtain a cash advance\nwithout presenting the card (such as for online, mail order or telephone\npurchase), the legal effect will still be the same as if the card itself was used\nby you.\nWe are not responsible if anyone refuses to honor your credit card or Convenience\nCheck.\n16. Prohibited Use of the Card: You may not use your card to buy lottery\ntickets, place bets or gamble if these transactions are made online. You also may\nnot use your card for any illegal transactions.\n17. Stop Payment: If before a Balance Transfer or Convenience Check drawn\non your Account has been honored, you notify us not to pay it, we will stop\npayment on the check. You must send us a written and signed stop payment\norder which states the number, payee, amount, and date of the check on which\npayment is to be stopped. We may disregard any such order six months after our\nreceipt unless you renew your request.\n18. Returns and Adjustments: Merchants and others who honor the card\nmay give credit for returns or adjustments, and they will do so by sending us a\ncredit which will be posted to your account. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance against future\npurchases and cash advances, or refund it and transfer the credit balance to\nyour share account.\n\nPage 2 of 4\n\n\x0c19. Foreign Transactions: Purchases and cash advances made in foreign\ncountries and foreign currencies will be billed to you in U.S. dollars. The\nconversion rate to dollars and the fees for all international transactions will be in\naccordance with the operating regulations of Visa USA, Inc. The exchange rate\nbetween the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives, or the governmentmandated rate in effect for the applicable processing date. In addition, a fee of\n1% of the transaction amount may be charged on all international transactions\nregardless of whether or not currency conversion is involved.\n\nCash Back awards paid will be disclosed on your credit card statement for the\nprevious month. There is no minimum or maximum award you may earn. Cash\nback awards earned will be paid in U.S. Dollars and rounded to the nearest cent.\nAccount adjustments, returns, credits, disputes may affect the amount of any\nCash Back award paid.\n\n20. Plan Merchant Disputes: We are not responsible for the refusal of any\nplan merchant or financial institution to honor your card. We are subject to\nclaims and defenses (other than tort claims) arising out of goods or services\nyou purchase with the card only if you have made a good faith attempt, but\nhave been unable to obtain satisfaction from the plan merchant, and: (a) your\npurchase was made in response to an advertisement we sent or participated in\nsending you; or (b) your purchase cost more than $50 and was made from a plan\nmerchant in your state or within 100 miles of your home. Any other disputes you\nmust resolve directly with the plan merchant.\n\nAPGFCU reserves the right, at its sole discretion, to disqualify any card member\nfrom receiving Cash Back awards and to forfeit any and all Cash Back awards\nearned but not yet paid for abuse, fraud, lottery, gaming or any violations of\nthe Credit Card Disclosure Statement and Agreement. If you dispute any aspect\nwith respect to your Cash Back Visa account, including a dispute regarding the\namount of awards earned or deposited, you must notify us in writing at APG\nFederal Credit Union, P.O. Box 1176, Aberdeen, MD 21001, within sixty (60) days\nof the date of the first Cash Back Visa account statement to which your award\ndispute relates. If you do not properly notify us in this time frame, we will have\nno obligation to you to adjust any error.\n\n21. Effect of Agreement: This Agreement is the contract which applies to all\ntransactions of your account even though the sales, cash advance, balance\ntransfer or convenience checks you sign may contain different terms. We may\namend this Agreement from time to time by sending you advance written\nnotice required by law. The Amendment will become effective on the effective\ndate stated in the notice. Use of your card after receiving notice of a change\nwill further evidence your agreement to the change. If you give us written\nnotice that you do not agree to the change, we will terminate your account and\nyou will be permitted to pay the outstanding balance as of the effective date\nunder the terms of the Agreement governing your account at the time our\nnotice was given. If you use your card after the effective date of this Agreement\nor any Amendment, you will be considered to have agreed to the new terms\neven if you have sent us such written notice. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your existing account\nbalance as well as future transactions.\n22. Notices: We mail you statements and notices through the U.S. Mail,\npostage prepaid, and address them to you at the latest billing address on our\nrecords or, if you\xe2\x80\x99ve agreed, by email to the address you gave us. Any notice\nthat we send you through the U.S. Mail is deemed to be given when deposited\nin the U.S. Mail. We consider an electronic notice sent as soon as we email it,\nunless we receive notification that the email was undeliverable. You must notify\nus immediately if you change the address to which we send billing statements.\nIf you have more than one account you must notify us and we will change the\naddress on all accounts. We may update your billing address if we receive\ninformation that it has changed or is incorrect.\n23. No Waiver: The Credit Union can delay enforcing any of its rights any\nnumber of times without waiving them.\n24a. Cash Back Awards: Your APGFCU Cash Back Visa official rules and\nimportant terms associated with the use of the card and payment of the Cash\nBack award, including provisions related to eligible transactions, payment of cash\nawards and other important conditions and limitations are detailed below.\nYou must be an individual and use the account only for personal, family or\nhousehold expenses. Corporations, partnerships and other entities may not\nparticipate. Your account must be open and in good standing to earn Cash Back\nawards. By signing, accepting or using the Cash Back card, the primary card\nmember constitutes acceptance of these terms and conditions.\nCash Back awards have no cash value or value of any kind until they are\ndeposited into your share account as dollars earned. You are solely responsible\nfor any taxes that may be owed as a result of receiving Cash Back awards.\n\nBalance transfers, cash advances (or cash equivalent transactions such as the\npurchase of foreign currency), money orders, travelers cheques, prepaid cards,\ncashier\xe2\x80\x99s checks, convenience checks, ATM cash disbursements, loan payments,\nfees, interest charges and disputed or unauthorized/fraudulent transactions are\nnot considered purchases and will not earn Cash Back awards.\n\n24b. Cash Back Restrictions or Forfeiture: You may not earn Cash Back\nawards during any statement period in which the following occur:\n\xe2\x80\xa2 Your account is in default as outlined under your credit card agreement\nwith us.\n\xe2\x80\xa2 You or any Authorized User engage in any fraudulent activity on this\naccount.\n\xe2\x80\xa2 You engage in any illegal activity through the use of your account or engage\nin activity that is deemed to be abusive or gaming conduct, as determined\nby us in our sole discretion.\n\xe2\x80\xa2 You or we close your account for any reason; all earned but not paid Cash\nBack awards will be forfeited.\nWe may, at our sole discretion, cancel, modify, restrict or terminate the Cash\nBack card awards program or any aspects of the Cash Back card at any time\nwithout prior notice. All interpretations of these Cash Back Visa rules shall be at\nour sole discretion. These official rules and important terms do not apply to any\nother Visa product offered by APGFCU.\nThe program information is subject to change.\n25. How We May Contact You: You expressly agree in order for APGFCU to\nprovide information about your account and obtain any payment for amounts\nyou may owe APGFCU, we or our authorized parties may contact you and send\ntext messages to you. We may use pre-recorded/artificial voice messages\nor an automated dialing device to contact you at any telephone number\nassociated with your APGFCU account, including mobile numbers, as permitted\nby applicable law. You also expressly agree that we may email you at any email\naddress you have provided us.\n26. Governing Law: This agreement is governed by the Annotated Code\nof Maryland, Financial Institutions Article, Title 6 and the Annotated Code of\nMaryland, Commercial Law Article, Title 12, Subtitle 9 and applicable federal\nlaw or regulation.\n\nYou will earn 1.5% Cash Back awards for each one dollar ($1.00) of all new retail\npurchases less credits, returns and adjustments (\xe2\x80\x9cNet Purchases\xe2\x80\x9d) charged in a\nstatement period made by you and/or any Authorized User of the card. Cash\nBack awards will be posted to the primary card member\xe2\x80\x99s regular share account\non the next business day following the end of your credit card statement period.\n\nPage 3 of 4\n\n\x0cYour Billing Rights: Keep this Document for Future Use This notice tells\nyou 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:\nAPG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001\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,\ndescribe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong. You must\nnotify us of any potential errors in writing. You may call us, but if you do\nwe are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect 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\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\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\nor 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\namount in question, along with applicable interest and fees. We will send\nyou a statement of the amount you owe and the date payment is due.\nWe may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nAPG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\nIn case of errors or questions about your electronic funds transfer (Federal\nElectronic Funds Transfer Act) call us at 410-272-4000 or toll-free at 800225- 2555. TTY: 800-811-4888. Or write us at APG Federal Credit Union, P.O.\nBox 1176, Aberdeen, Maryland 21001-6176, as soon as you can, if you think\nyour statement or receipt is wrong or if you need more information about a\ntransfer listed on the statement or receipt. We must hear from you no later\nthan 60 days after we sent the FIRST statement on which the problem or error\nappeared.\n1. Tell us your name and account number (if any).\n2. Describe the error or the transfer you are unsure about, and explain as\nclearly as you can why you believe it is an error or why you need more\ninformation.\n3. Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint or question\nin writing within ten (10) business days. We will determine whether an error\noccurred within ten (10) business days (20 business days if the transfer involved\na new account) after we hear from you and will correct any error promptly.\nIf we need more time, however, we may take up to 45 days (90 days if the\ntransfer involved a new account, or a foreign initiated transfer) to investigate\nyour complaint or question. If we decide to do this, we will credit your account\nwithin 5 business days (20 days if the transfer involved a new account) for the\namount you think is in error, so that you will have the use of the money during\nthe time it takes us to complete our investigation. If we ask you to put your\ncomplaint or question in writing and we do not receive it within 10 business\ndays, we may not credit your account. An account is considered a new account\nfor 30 days after the first deposit is made, if you are a new member.\nWe will tell you the results within three business days after completing our\ninvestigation. If we decide that there was no error, we will send you a written\nexplanation. You may ask for copies of the documents that we used in our\ninvestigation.\nAutomatic Payment Transfers\nIf you have authorized us to pay your credit card bill automatically from your\nShare or Checking account, you can stop the payment on any amount you\nthink is wrong. To stop the payment your letter must reach us three business\ndays before the automatic payment is scheduled to occur.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n\xe2\x80\xa2 The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n\xe2\x80\xa2 You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n\xe2\x80\xa2 You must not yet have fully paid for the purchase.\nVD-CBV-DIS-031721\nPage 4 of 4\n\nFederally insured by NCUA\n\n\x0cSecurity Interest Disclosure\nI/we acknowledge and pledge, as a condition of my/our use of the APGFCU credit card, that I/we\nhave voluntarily granted APGFCU a security interest in all my/our individual and joint shares, share\ndraft and share certificates now or in the future held at AGPFCU. If my/our credit card loan becomes\ndelinquent, this security interest may be used without further notice to pay all or any part of such\ndelinquency. This security interest does not apply to shares in an IRA, Keogh, or similar tax deferred\naccount.\nIn addition, I/we acknowledge that the Federal Credit Union Act (12 U.S.C. 1757 (11)) secures all\namounts owed APGFCU for use of this credit card by me/us or any authorized user and may be\napplied upon default against any of my/ours shares, share draft or share certificate account balances\nwithout further notice to pay all or any part of such delinquency. This security interest does not apply\nto shares in an IRA, Keogh or similar tax deferred account.\n\nVD-CBV-DIS-031721\nPage 1 of 1\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nCash Back Visa\n\nAnnual Percentage Rate (APR) for Balance\nTransfers\n\n0% introductory APR for 15 months for purchases made within the first 90 calendar\ndays from account opening. After that, and for purchases completed after the first 90\ncalendar days, your standard APR will apply based on your creditworthiness at the time\nyou opened your account. This APR will vary with the market based on the Prime Rate.\n\n11.24% \xe2\x80\x93 17.49%\n\n0% introductory APR for 15 months from the date of account opening for balance\ntransfers submitted within the first 90 calendar days from account opening. Balance\ntransfer approval conditions apply.\nAfter that, and for balance transfers completed after the first 90 calendar days, your APR\nwill be 11.24% to 17.49% based on your creditworthiness at the time you opened your\naccount. This APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR) for Cash\nAdvances and Convenience Checks\n\n11.24% \xe2\x80\x93 17.49%\nYour APR will be based on your creditworthiness at the time you open your account. This\nAPR will vary with the market based on Prime Rate.\n\nPenalty APR and When It Applies\n\n18.00%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou interest on purchases if you pay the entire balance by the due date each month. We\nwill begin charging interest on balance transfers, cash advances and overdraft advances,\nif enrolled, on the transaction date.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR may apply to your account if you:\n\xe2\x80\xa2 Are over 60 days past due; or\n\xe2\x80\xa2 Make a payment that is returned and causes your account to be over 60 days past due.\nHow long will the Penalty APR apply? If your APRs are increased for either of these\nreasons, the Penalty APR may apply indefinitely.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Balance Transfer\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\xe2\x80\xa2 $2\n\xe2\x80\xa2 up to 1% of transaction amount in U.S. dollars\n\xe2\x80\xa2 3% of the amount of each balance transfer transaction will be assessed to your\naccount upon posting for all balance transfer requests submitted within the first 90\ncalendar days of account opening at the 0% introductory APR.\n\xe2\x80\xa2 There is no balance transfer fee for all balance transfer requests submitted and\nposted to your account after 90 calendar days of account opening, and you will be\ncharged your standard variable rate APR.\n\xe2\x80\xa2 $25\n\xe2\x80\xa2 $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\nVariable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2021. Your APR may vary. Rates are\ndetermined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall\nStreet Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each\nmember's credit history and product type.\nBalance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If\nyou want to cancel or modify your balance transfer within the first 10 days of account opening, please call\n1-800-225-2555. Please continue to make regular payments to your other account(s) until you know the balance has been paid.\nThis disclosure was printed and is accurate as of 04/01/2021 and is subject to change after that date. To find out what may have\nchanged, or if you have any questions regarding this disclosure, call toll free 1-800-225-2555 or 1-800-811-4888 TTY.\nPage 1 of 1\n\nVD-CBV-DIS-031721\n\n\x0cTerms and Conditions of Balance Transfer Offer for\nNew APGFCU Visa\xc2\xae Accounts\n\xe2\x80\xa2 0% introductory APR for 15 months from the\ndate of account opening for balance transfers\nsubmitted within the first 90 calendar days from\naccount opening for Cash Back, Platinum Preferred,\nPlatinum Preferred Rewards and Platinum Preferred\nStudent/Starter Visa cards.\n\n\xe2\x80\xa2 APGFCU is not responsible for any payments\nbeing late, lost in the mail or for any finance or\nother charges that may occur due to a delay in\nprocessing a balance transfer request.\n\n\xe2\x80\xa2 After 15 months, your introductory rate will end\nand your standard cash advance rate will apply.\n\n\xe2\x80\xa2 Balance transfers are always subject to Finance\nCharges from the date they are posted to your\naccount to the date on which they are paid in full.\n\n\xe2\x80\xa2 3% of the amount of each balance transfer\ntransaction will be assessed to your account upon\nposting for all balance transfer requests submitted\nwithin the first 90 calendar days of account\nopening at the 0% introductory APR.\n\xe2\x80\xa2 There is no balance transfer fee for all balance\ntransfer requests submitted and posted to your\naccount after 90 calendar days of account opening,\nand you will be charged your standard variable rate\nAPR.\n\xe2\x80\xa2 You authorize APGFCU to pay off the balances or\nportions of the balances due on the credit cards/\ncharges/loans listed within this online form or\nverbally by means of a Balance Transfer charged to\nyour APGFCU Visa account. There is no limit to the\nnumber of transfers permitted up to your approved\ncredit limit.\n\xe2\x80\xa2 You understand the balance transfer request we\napprove for you may not ultimately pay your total\nbalance due with the other creditor, which may\nresult in outstanding charges imposed by the\nother creditor. It is your responsibility to make\ntimely payments to your other creditor. You should\ncontinue to make payments to these other credit\ncard or loan issuers until the balance transfer is\nreflected on your account with us as a payment\nmade by us to your creditor. All balance transfers\nare paid by us directly to the other creditor.\n\n\xe2\x80\xa2 Balances transferred will not receive a balance\ntransfer cash rebate or reward points.\n\n\xe2\x80\xa2 You must pay in full the entire balance (including\nbalance transfers and new purchases) by the end\nof each payment cycle to avoid accruing interest on\npurchases.\n\xe2\x80\xa2 Each balance transfer will reduce your available\ncredit. We will process the requested balance\ntransfers in the order you submit them to us.\nShould there be an insufficient credit limit on your\naccount with us, you understand we will pay off\nthe balances of other creditors only up to the\namount of the available credit limit you have with\nus, which could result in only a partial payment\nof the remaining account balances with the other\ncreditor.\n\xe2\x80\xa2 The total amount(s) of your request cannot exceed\nyour available credit with us. Should the request\nexceed the available credit, we will decline the\nrequest and you will have the option to apply for\na credit limit increase. APGFCU reserves the right\nto refuse to honor any request for a credit limit\nincrease. You should not transfer from another\ncreditor the amount of any disputed purchases or\nother charges. If you do, you may lose your right\nto dispute the charges with that other creditor.\n\xe2\x80\xa2 This offer cannot be combined with any other\nbalance transfer offers. We will not process any\nbalance transfer requests that are from any other\naccount or loan issued by APGFCU.\nVD-CBV-DIS-031721\n\nPage 1 of 1\n\n\x0c"