b'8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\n\nVisa\xc2\xae Credit Card Agreement & Disclosure Statement\nTHIS AGREEMENT IS SUBJECT TO BINDING ARBITRATION PURSUANT TO EITHER THE FEDERAL ARBITRATION ACT AT 9 USC \xc2\xa71 ET SEQ.,\nOR S.C. CODE \xc2\xa715\xc2\xad48\xc2\xad10 ET SEQ., (See, Paragraph 2 of the Cardholder Agreement for complete details.)\nThis table provides important information regarding your credit card account with Palmetto Citizens Federal Credit Union.\nInterest Rates and Interest Charges\nANNUAL\nPERCENTAGE RATE\n(APR) for Purchases\n\nRates range from 9.90% \xc2\xad 12.50% for members with a Palmetto Citizens Platinum Visa based on creditworthiness at the\ntime of account opening. Rate is 18.00% for members with a Palmetto Citizens Secured Visa.\n\nAPR for Balance\n\nRates range from 9.90% \xc2\xad 12.50% for members with a Palmetto Citizens Platinum Visa based on creditworthiness at the\n\nTransfers\n\ntime of account opening. Rate is 18.00% for members with a Palmetto Citizens Secured Visa.\n\nAPR for Cash\n\nRates range from 9.90% \xc2\xad 12.50% for members with a Palmetto Citizens Platinum Visa based on creditworthiness at the\n\nAdvances\n\ntime of account opening. Rate is 18.00% for members with a Palmetto Citizens Secured Visa.\n\n*Rates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards.\nYour due date is at least 25\xc2\xaddays after the close of each billing cycle. We will not charge you any interest on purchases if\nPaying Interest\n\nyou pay your entire balance by the due date each month. We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nFederal Reserve\nBoard Credit Card\nTips\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet Up and\nMaintenance Fees\n\nThere are no Set Up or Maintenance Fees on your account.\nBalance Transfer Fee: $0.00\nLost or Stolen Card Replacement: $0.00\n\nTransaction Fees\n\nCash Advance Fee: $0.00\nVisa Statement Copy Fee: $3.00\nResearch Fee: $20.00 PER HOUR\nForeign Transaction Fee: 1% of each transaction in US dollars.\nLate Payment Fee: 5% of Delinquent Amount (maximum $25.00)\n\nPenalty Fees\n\nOver\xc2\xadthe\xc2\xadCredit Limit Fee: $15.00\nReturned Payment Fee: $24.50\n\nHow we will calculate Your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nSecurity Interest: The credit union will acquire a security interest in the property purchased with your credit card\xcd\xbe and collateral securing other\nloans with us may also secure this account. Also, you are giving us a security interest in your shares and other deposits in the credit union.\nThe information about the costs of the card described in this application is accurate as of 1/2/2016. This information may have changed after\nthat date. To find out what may have changed, call (803) 732\xc2\xad5000 or 1\xc2\xad800\xc2\xad435\xc2\xad5626, visit www.palmettocitizens.org, or write PCFCU, P. O.\nBox 5846, Columbia, SC 29250.\n\nAGREEMENT AND DISCLOSURE\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n1/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nThis is your Agreement and Disclosure Statement with the Credit Union. Please read it carefully and keep it for your records. It supersedes all prior\nagreements and disclosure statements relating to your account. You do not have to sign the Agreement. Your agreement to all of these provisions,\nas amended from time to time including the Card issued by us, will be shown by your application for the Card, your acceptance of the Card, or your\nuse of the Card, whichever occurs first.\n\nHow to Use This Account\nYou must sign the Card in order to use it. You can purchase or lease goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from any merchant who honors your Card up\nto your maximum credit limit by presenting your Card and signing a sales slip or writing a Convenience Check for the amount of the purchase. You\nmay also use the Card to obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your maximum credit limit from financial institutions that accept a Visa credit\ncard, and by use of preprinted Convenience Checks that the Credit Union may issue to you. You agree not to present your Card, obtain a cash\nadvance or write a Convenience Check for any extension of credit in excess of your available Credit Limit (difference between your outstanding\nbalance and maximum credit limit) on your account.\n\nDefinitions\nIn the Agreement, the words \xe2\x80\x9cCard,\xe2\x80\x9d and \xe2\x80\x9cCredit Cards\xe2\x80\x9d mean either one or more VISA credit cards\xcd\xbe the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the\ncardholder as well as anyone the cardholder permits to use the Card\xcd\xbe the words \xe2\x80\x9cCredit Union,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Palmetto Citizens\nFederal Credit Union\xcd\xbe and the words \xe2\x80\x9cConvenience Checks\xe2\x80\x9d mean one or more checks that we may send to you to access your Credit Card\nAccount.\nBinding Arbitration. EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION SUBSTANTIALLY LIMITS OR AFFECTS\nYOUR RIGHTS. PLEASE READ IT CAREFULLY. NEITHER PARTY WILL NOT HAVE A RIGHT TO HAVE A JURY DECIDE ANY CLAIM OR\nDISPUTE AND THE ABILITY TO APPEAL IS LIMITED IN AN ARBITRATED MATTER. FURTHER NEITHER PARTY OR ANYONE ON THEIR\nBEHALF CAN PURSUE A CLAIM OR DISPUTE IN A CLASS OR REPRESENTATIVE ACTION.\nArbitration is a method of deciding disputes outside the court system. The parties agree and understand that they choose arbitration instead of\nlitigation to resolve all claims and disputes not specifically excluded. This provision governs when and how any disputes you and we may have will\nbe decided. All disputes, claims, or controversies arising from or relating in any way to the agreements, relationships, accounts, including any\napplications and prior relationships between you and us\xcd\xbe the relationships which result or arise as a result of this Agreement\xcd\xbe any rights, privileges\nor services you receive from us now or in the future\xcd\xbe any claims or disputes arising in any bankruptcy or other insolvency proceeding specifically\ninvolving the parties\' rights under their agreements, valuation of any collateral, the validity or enforceability of any security interest (including any\ninterest by way of cross\xc2\xadcollateralization or a pledge of shares), or any ancillary proceedings that are not exclusively within the jurisdiction of the\nUnited States Bankruptcy Courts\xcd\xbe or the validity of this clause (together referred to collectively as Agreement), shall be resolved by binding\narbitration by a single arbitrator chosen with the consent of both parties. The arbitrator must be an attorney with more than ten (10) years experience\nor a retired judge. If for any reason the parties do not consent to an arbitrator within thirty (30) days from the date that notice of a claim or intent to\narbitrate is provided to the other party, then an arbitrator will be selected pursuant to the Rules of the American Arbitration Association ("AAA"). This\narbitration Agreement is made pursuant to a transaction in Interstate Commerce, and shall be governed by the Federal Arbitration Act ("FAA") at 9\nUSC \xc2\xa7 1, et seq., as amended from time to time. It is understood and agreed that this Cardholder Agreement, your Account, all transactions on this\nAccount, and any dispute defined herein shall involve Interstate Commerce. If any dispute between us does not involve Interstate Commerce, such\ndispute shall be governed by the South Carolina Uniform Arbitration Act at S.C. Code \xc2\xa715\xc2\xad48\xc2\xad10, et seq., as amended from time to time, in which\ncase all references to the FAA herein shall be to said State Act. The parties agree and understand that the arbitrator shall have all power provided\nby the law and this Agreement to make and enter findings of fact and determination of judgment based on the parties\' Agreements and applicable\nlaw, including but not limited to the rights of possession, off\xc2\xadset, property rights, money damages, declaratory relief, and injunctive relief. No\narbitrator shall have the jurisdiction or authority to add to, take from, nullify or modify any of the terms the Agreement. The arbitrator shall be bound\nby the facts and evidence submitted to him. Arbitration will be subject to the rules of procedure and evidence consistent with the Rules of the\nAmerican Arbitration Act, and the Arbitrator will not apply federal or state rules. The decision of the arbitrator shall be final and binding and may be\nenforced in accordance with the terms of either the Federal or applicable State Law, except for any specific appeal right regarding a judgment under\nthe FAA or a judgment for more than $100,000. For these judgments, any party may appeal to a three\xc2\xadarbitrator panel appointed by and under the\nrules of the AAA. The decision of the panel will be by majority vote and will be final and binding except for any specific appeal right under the FAA.\nAll provisions of this Arbitration Agreement will apply to the panel. Judgment upon the award rendered may be entered in any court having\njurisdiction.\nTHE PARTIES AGREE AND UNDERSTAND THAT ALL DISPUTES (INCLUDING ALL LEGAL AND EQUITABLE RIGHTS AND REMEDIES)\nARISING UNDER CASE LAW, STATUTORY LAW, AND ALL OTHER LAWS INCLUDING, BUT NOT LIMITED TO, ALL CONTRACT, TORT,\nREGULATORY, AND PROPERTY DISPUTES WILL BE SUBJECT TO BINDING ARBITRATION IN ACCORD WITH THIS AGREEMENT.\nNotwithstanding anything hereunto the contrary, the Credit Union retains an option to use judicial or non\xc2\xadjudicial relief to enforce a security\nagreement relating to any collateral pledged to secure the Agreements between the parties, to enforce all monetary obligations by you to the Credit\nUnion so long as there is no dispute, or to foreclose on any collateral securing your obligations to us by way of replevin, claim and delivery, or\notherwise. The initiation and maintenance of an action for judicial relief in a court [on the foregoing terms] shall not constitute a waiver of the right of\nany party to compel arbitration regarding any other dispute or remedy subject to arbitration in this Agreement, including the filing of a counterclaim\nin a suit brought by the Credit Union pursuant to this provision.\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n2/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nAny arbitration proceeding will take place in the federal judicial circuit where you live. If you cannot afford to pay the fees charged by the Arbitrator\nor any panel for an appeal as provided herein, we will consider any reasonable written request by you for us to pay the fees. We will pay any fees or\ncosts specifically required by applicable law. However, each party must bear the expense of that party\'s attorneys, experts, and witnesses,\nregardless of who wins the arbitration, except to the extent that applicable law specifically requires otherwise. The rules of the AAA will be applied to\nany arbitration between the parties, except in the event of any inconsistency between this Agreement and the rules of the AAA, in which case this\nAgreement will govern.\n\nPayments\nYou will be jointly and severally liable and agree to pay the Credit Union for all charges (purchases, cash advances, finance charges, and other\ncharges added to your Account under the terms of this or any other agreements with us) extended to you or anyone else using a Card issued for\nyour Account, unless the use of such Card is by a person other than you who does not have actual, implied or apparent authority for such use and\nfrom which you receive no benefit. Authority includes, but is not limited to, any authorized users permitting another person to use any Card(s).\nFurther, all users are obligated to us for all charges they make, authorize or permit.\nThe Credit Union can accept late or partial payments, as well as payments that are marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements,\nwithout losing any of our rights under this Agreement. If you pay more than the Minimum Payment Due, we will allocate the excess amount to your\naccount balance at our discretion. You must pay the Credit Union in U.S. dollars drawn on funds on deposit in the United States. If you make\npayment with other currencies or from an institution domiciled outside the United States, then your payment will not be credited until the funds have\nbeen collected by us in U.S. dollars. The Credit Union will determine the method of applying payments and credits to your account. Payments will\nbe applied in the following order: finance charges fees\xcd\xbe minimum payment\xcd\xbe balance. We may accept checks marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words\nof similar effect without losing any right to collect the full balance of your account.\nYou will make payments by mail directed to the following address: Palmetto Citizens FCU, P.O. Box 4519, Carol Stream, IL, 60197\xc2\xad4519 or you may\nmake payments in person to a service center of Palmetto Citizens Federal Credit Union. If the Credit Union receives a payment by mail by 9:00 a.m.,\nthe Member will receive credit that day\xcd\xbe payment received after 9:00 a.m. will be applied to the next day\xe2\x80\x99s business. Payments made in any other\nmanner, including in person, will be deemed received on the next business day following receipt.\nYou authorize us to honor any purchase or cash advance you make by telephone or mail on this account. You agree that a signature is not\nnecessary as identification in such cases. We reserve the right to refuse to honor any request for credit, to reduce your credit limit or terminate your\naccount at any time using our sole discretion, based on changes in the economy, the Credit Union\xe2\x80\x99s financial condition, your creditworthiness or for\nany other reason not prohibited by law.\n\nMaximum Credit Limit\nYour maximum credit limit will appear on the folder in which you receive your Card and on your monthly statement. At our discretion, we may\nchange your credit limit at any time, and may provide separate limits for purchases and for cash advances. The Credit Union will notify you if we do,\neither by mail or through your monthly billing statement. You may request a change to your credit limit by contacting the Credit Union by telephone\nor mail. Your continued use of the Card will show your agreement to any such increase. If you object to an increase in your credit limit, you must\nnotify the Credit Union in writing. Upon receipt of such notice, your credit limit will be reduced to its prior limit\xcd\xbe however, you will be responsible to\npay any amounts you have exceeded the reduced limit.\nYou agree we are not obligated to extend to you credit for any amount that would cause your outstanding balance to exceed your maximum credit\nlimit, or for any amount if your outstanding balance already exceeds your maximum credit limit. Any increase in your maximum credit limit you\nrequest will require you to make a written application for our approval. You agree to pay any amounts you owe that exceed your maximum credit\nbalance upon demand.\nCredit balances in excess of $1.00 will be refunded to you after collection as provided herein by crediting your share account or by mailing a check\nto the address to which statements are provided to the order of any cardholder. You agree that the Maximum Credit Limit will at no time exceed the\nagreed upon amount, and that any credit balance will not be available or increase the Maximum Credit Limit available for new purchases or cash\nadvances during any billing cycle.\n\nATM Access (if service is available)\nIf you have received a personal identification number (PIN), you may use your Card and PIN to obtain cash advances at any Automated Teller\nMachine (\xe2\x80\x9cATM\xe2\x80\x9d) that accepts your Card. Your PIN is confidential and should not be disclosed to anyone. You agree not to write your PIN on your\nCard, you will not keep your Card and PIN together, and you will not provide your PIN to anyone who is not an authorized user. Except as otherwise\nprovided in this Agreement, advances through ATM access will be treated as cash advances under this Agreement. Advances at authorized ATMs\nare limited to a total of $510.00 during any 24\xc2\xadhour period. The total of all cash advances on your Visa Account and any withdrawals from your other\naccounts through an ATM in any 24\xc2\xadhour period may be combined for the purpose of this limitation.\n\nMonthly Statement\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n3/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nThe Credit Union will send you a monthly billing statement whenever there is activity on your account. Your monthly statement will show an itemized\nlist of current charges (purchases and cash advances) and Convenience Check transactions to your account, your new balance, any Finance\nCharges, the minimum payment due, and the payment due date. In addition, it will show your current credit limit, payments and credits, a summary\nshowing your purchases and cash advances, the merchant, electronic terminal or financial institution at which transactions were made, as well as\nother information concerning your account. Sales, Cash Advance, Credit or other slips cannot be returned with any statement. You will retain a copy\nof such slip furnished at the time of the transaction in order to verify your monthly statement.\n\nFinance Charges on Account Balance\nA FINANCE CHARGE computed on a monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) will begin to accrue for new purchases if you do not pay the New Balance in\nfull within 25 days after the billing date of the statement on which the new purchases first appear. A FINANCE CHARGE computed on a monthly\nperiodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) will begin to accrue on the transaction date of cash advance(s) or purchases (except as provided above), or the first day of the\nbilling cycle, whichever is later, and will continue to be imposed until you have paid any outstanding balance in full. The Credit Union calculates the\nFINANCE CHARGE as follows.\n\na. The FINANCE CHARGES for a billing cycle are computed by applying the monthly periodic rate of your account, indicated in this\nbooklet, to the average daily balance of purchases and cash advances, which is determined by dividing the sum of the daily balances\nduring the billing cycle by the number of days in the cycle. The monthly periodic rate and ANNUAL PERCENTAGE RATE (APR) to\nbe used is determined by the account applied for or approved by us pursuant to the terms of your application.\nb. To get the total average daily balance on your account, we take the beginning balance of your account each day, add any new purchases\nand cash advances, unpaid finance charges, current late payment fees, and other fees, and subtract any payments or credits. This is your\ndaily balance. Then we add up all the daily balances for the billing cycle and divide their total by the number of days in the billing cycle.\nThis gives you the average daily balance. This determines the balance subject to the FINANCE CHARGE.\n\nCharges Made in Foreign Currencies\nIf you incur a charge (a purchase or cash advance) in a foreign currency, the charge will be converted into a U.S. dollar amount in accordance with\nthe operating regulations of Visa International in effect at the time that the transaction is processed. Currently, those Regulations provide that the\ncurrency conversion rate to be used is either: (a) a wholesale market rate\xcd\xbe or (b) a government\xc2\xadmandated rate in effect one day prior to the\nprocessing date, increased by one percent in each case. Visa retains this one percent as compensation for performing the currency conversion\nservice. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.\n\nCross\xc2\xadBorder Transaction Fee\nA Cross\xc2\xadBorder Assessment of 1% on each transaction on all cross border transactions when Visa must convert a purchase made outside the\nUnited States to U.S. dollars for posting. A Cross\xc2\xadBorder Assessment fee of 0.8% is made when a US cardholder makes a transaction in a foreign\ncountry, and the merchant accepts the transaction in US currency rather than the currency of their country. The Credit Union will assess these fees\nto you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross\xc2\xadBorder transaction fee will be\nshown separately on your periodic statement.\n\nMinimum Payment Due\nYou can pay off your account balance in full each month or you can pay in monthly installments. If you do not pay your balance in full, you agree to\npay at least a minimum payment of 2% of your New Balance (rounded to the nearest whole dollar) or $25.00, whichever is greater. If the New\nBalance shown on your periodic statement is $25.00 or less, you agree to pay this amount. Unless the Credit Union takes other action as a result of\na default under this Agreement, the Minimum Payment Due will also include any amount that is past due and any amount by which your new\nbalance exceeds your credit limit. Payments and credits will be applied first to pay fees, then finance charges, purchases and cash advances. You\nmust pay at least the minimum payment each month, but you may pay more than that amount at any time without a penalty. The sooner you pay\nyour new balance, the less you have to pay in finance charges.\n\nReturns and Adjustments\nMerchants and others who honor your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip\nwhich will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future\npurchases and cash advances.\n\nAdditional Benefits/Card Enhancements\nThe Credit Union may from time to time offer additional services to your account, such as travel accident insurance, purchase rewards or rebates at\nno additional cost to you. You understand that the Credit Union is not obligated to continue or to offer such services and may withdraw or change\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n4/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nthem at any time.\n\nMerchant Disputes\nThe Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card except as set forth in the Special Rules\nfor Credit Card Purchases set forth at the end of this Agreement.\n\nSkip Payment Option\nAt our option, we may not require you to make a minimum payment during certain designated billing cycles (\xe2\x80\x9cskip payment period\xe2\x80\x9d). If you do not\nmake your minimum payments as provided in this Agreement, during such designated billing cycles, you understand that we will continue to apply\nfinance charges to your account. Beginning with the billing cycle following an allowed skip payment period, all other provisions of the Agreement\nwill apply.\n\nExceeding Your Credit Limit Fee\nThe Credit Union will charge your account an over the credit limit fee of $15.00 for each billing period in which your new balance exceeds your\ncredit limit if the balance exceeds your credit limit by more than 10% per monthly billing cycle. This fee may be added to your account balance, or\ncollected from you on demand.\n\nLate Payment Fee\nThe Credit Union will charge your account a late fee of 5% of the scheduled payment for each billing period in which your minimum payment is not\nreceived within ten (10) days of your payment due date, with a $25.00 maximum per month or such other amount allowed by applicable law if less\nthan the amounts set forth herein. This fee may be added to your account balance, or collected from you on demand.\n\nReturned Payment or Insufficient Funds Fee\nThe Credit Union will charge your account a $24.50 fee if your payment is made by check, or otherwise and is not honored, collected by us, or if we\nmust return it to you because it cannot be processed for any reason. This fee may be added to your account balance or collected from you on\ndemand. If that item is drawn on a Credit Union account, a non\xc2\xadsufficient funds charge of $24.00 will be charged.\n\nCharge for Copies\nIf you ask for a copy of any document, such as a sales slip, Convenience Check, or billing statement, a charge of $20.00 per hour may be imposed\nfor the time it takes to research and locate the document. In addition, a statement copy fee of $3.00 per copy will be imposed. However, no charge\nwill be imposed in connection with any actual or asserted billing error.\n\nConvenience Checks\nYou can use your Convenience Checks to purchase goods and services or to obtain cash up to the amount of your available credit limit unless that\namount will cause you to exceed your credit limit. The Credit Union will treat Convenience Checks as cash advances and will charge them against\nyour credit limit. The Credit Union may decline to honor a Convenience Check if you are over your credit limit, you are in default, your account\nprivileges have been canceled, or your Card has expired. If we decline to honor a Convenience Check, the credit union will charge you a fee of up\nto $20.00, which the credit union will add to your account balance. Convenience Checks may be used only by the person whose name is printed on\nthem. You may not use Convenience Checks to pay any amount which you owe the Credit Union under this or any other credit agreement with the\nCredit Union. The Credit Union will not certify any Convenience Checks, nor will the Credit Union return paid Convenience Checks to you. It is in\nthe Credit Union\xe2\x80\x99s sole discretion to issue Convenience Checks to any member.\n\nStop Payment\nYou may stop payment on a Convenience Check by notifying the Credit Union in writing at the address shown on your monthly statement or by\ncalling the Credit Union at the telephone number shown on your monthly statement. If you call, you must confirm the call in writing within fourteen\n(14) days. A written stop payment order or written confirmation of an oral stop payment order will remain in effect for six (6) months unless renewed\nin writing. The Credit Union will charge your account a $4.50 fee when you stop payment on a Convenience Check.\n\nYour Responsibility and Liability for Unauthorized Use and Lost or Stolen Cards or Convenience Checks\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n5/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nIf your Card or Convenience Checks are lost or stolen, or if you are afraid someone used or may use them without your permission, you must notify\nthe Credit Union at once by calling (800) 435\xc2\xad5626, or providing written notice to: Palmetto Citizens Federal Credit Union, P.O. Box 11407,\nColumbia, SC 29211. If notice is given orally, you will promptly confirm it in writing. The Credit Union may require you to provide us certain\ninformation in writing to help us investigate any unauthorized use. Do not use the Card or the Convenience Checks after you have notified the\nCredit Union, even if you find them or have them returned to you.\nYou are liable for all transactions that you authorize. No Liability: You will have no liability for unauthorized use of your Card, Convenience Checks\nor other Access Devices for non\xc2\xadATM transactions made over the Visa Network if the following conditions are met: (1) You have not been grossly\nnegligent\xcd\xbe and (2) You have not committed, participated in or conspired to commit any fraudulent act or scheme involving the use of your Visa credit\ncard account. Limited Liability: For transactions on other networks or ATM transactions, you may be liable for unauthorized transactions using your\nCard, Convenience Checks or other Access Devices that occur before we are notified. However, your liability for unauthorized use on networks\nother than Visa will not exceed $50.00. In any case, you will not be liable for any unauthorized use after notifying us of the loss, theft or unauthorized\nuse of your Card, Convenience Checks or other Access Devices.\n\nIllegal Transactions\nYou warrant and agree that your Credit Card, other access device or any related account will not be used to make or facilitate any illegal\ntransaction(s) as determined by applicable law\xcd\xbe and that any such use, including any such authorized use, will constitute an event of default under\nthis Agreement. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding\nyour obligation to pay us) under applicable law, including but not limited to any transaction involving or relating to any gambling activity. You agree\nthat the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s)\xcd\xbe or for\ndeclining to accept, process, or pay any such transaction. You further agree to indemnify and hold the Credit Union harmless from any suits, liability,\ndamages or adverse action of any kind that results directly or indirectly from such illegal use.\n\nDefault\nYou will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date\xcd\xbe (b) the Credit Union, in its sole discretion, feels\ninsecure (For example: Our good faith belief that your ability to pay your account is impaired\xcd\xbe use of your account in any manner or in any way that\nmay expose the Credit Union to a risk of loss\xcd\xbe etc.)\xcd\xbe (c) your ability to repay is materially reduced by a change in your employment, by an increase in\nyour obligations, by bankruptcy or insolvency proceedings involving you, by your death, or (for community property state residents only) by a\nchange in marital status or domicile\xcd\xbe (d) you exceed your credit limit without our permission\xcd\xbe (e) you have made a false or misleading statement to\nus in your application or otherwise\xcd\xbe (f) you are in default under any other agreement with us\xcd\xbe (g) if you use or authorize the use of any Card(s) to\nmake or facilitate any illegal transaction\xcd\xbe or (h) you fail to perform any of your other obligations under the terms of this Agreement as it may be\namended from time to time. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by\nGoverning Law, demand immediate payment of your entire Account balance, after giving you any notice and opportunity to cure the default if\nrequired by applicable law. The Credit Union\'s sole obligation hereunder with regard to determining and declaring an event of default is the\nexercise of "good faith," based on its subjective understanding of applicable facts.\n\nCollection Costs\nYou agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or protecting the Credit Union\xe2\x80\x99s rights\nunder this Agreement, including attorneys\xe2\x80\x99 fees of 20% of the unpaid balance or such greater sum as may be reasonable, and also those costs,\nexpenses and attorney\xe2\x80\x99s fees incurred in any appellate, bankruptcy and post\xc2\xadjudgment proceedings, except as limited or prohibited by applicable\nlaw.\n\nUpdating and Disclosing Financial Information\nThe Credit Union may report your performance under this Agreement to credit reporting agencies and secure follow\xc2\xadup credit reports on you for any\nlegitimate business reason, including if you fail to make your minimum payments on time. We can reinvestigate and reevaluate any information you\nprovide on your Visa Application at any time, and in the course of doing so we may ask you to provide additional information, request credit bureau\nreports and/or otherwise verify your current credit standing. We reserve the right to provide our accountants with information regarding your account\nin conjunction with the annual credit union audit.\nAccess to Account Information: You agree that all borrowers and authorized users will have access to information regarding transactions on your\naccount, including but not limited to purchases and cash advances, account balances, account history, payments and other information relating to\nor arising with regard to this account or any transaction.\n\nCorrecting the Credit Union\xe2\x80\x99s Credit Report\nIf you think the Credit Union reported erroneous information about you to a credit reporting agency, call the Credit Union at the telephone number\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n6/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nlisted on your monthly billing statement. The Credit Union will promptly investigate the matter. The Credit Union will contact each credit reporting\nagency whose records may reflect an error. The Credit Union will require them to correct your report if its investigation decides that you were\ncorrect. If the Credit Union disagrees with you after the investigation, the Credit Union will advise you, in writing or by phone, and instruct you how to\nsubmit to those agencies a statement of your position that will become a part of your credit record with them. The instructions will include the name,\naddress, and phone number of each such agency, along with other pertinent information.\n\nClosing Your Account\nAny individual cardholder without the consent of other cardholders may close your Account at any time by notifying the Credit Union in writing.\nCredit Union may close your account or suspend your Card privileges or Convenience Checks at any time without prior notice. Credit Union may\nalso reissue a different Card or different checks at any time. You must return the Card or the Convenience Checks to the Credit Union upon request.\nYou agree that the Card and all Convenience Checks remain the property of the Credit Union. Each Card we issue will have an expiration date.\nUpon expiration of your Card your account will automatically terminate\xcd\xbe or the Credit Union, in its sole discretion, may extend your Agreement and\nissue a new card with a new expiration date. If you account is closed, expires or your credit privileges are terminated or suspended, you will remain\nresponsible for paying all amounts you owe us according to the terms of this Agreement. Without limiting the foregoing, the Credit Union has the\nright to terminate your line of credit and to demand the return of all cards, access checks and other access devices if the Credit Union, in its sole\ndiscretion, feels that it is insecure for any reason whatsoever\xcd\xbe including but not limited to mismanagement of your account, failing to safeguard any\naccess device, creation of any credit balances by you that may increase the risk of loss or exposure of the Credit Union or failing to cooperate with\nthe Credit Union or others with regard to any claim of unauthorized use or any other defense to payment under applicable law.\n\nChanging This Agreement\nThe Credit Union may change the terms of this Agreement, including the Annual Percentage Rate, at any time. Except where limited by applicable\nlaw, the new terms, including, but not limited to, increasing the finance charge or the way the Credit Union calculates finance charges, late charges,\nand the minimum payment due, will apply both to new purchases and cash advances and to the existing outstanding balance of your account as of\nthe day of the change. In accordance with applicable law, the Credit Union will notify you of any increased charge or change by writing to you at the\nmost recent address shown for you on the Credit Union\xe2\x80\x99s records.\n\nDelay in Enforcement/Waivers\nThe Credit Union may delay or waive enforcement of any of the provisions of the Agreement, including any agreement to make timely payments,\nwithout losing its right to enforce the same provision later or any other provisions of this Agreement. You waive the right to receive notice of any\nwaiver or delay or presentment, demand, protest or dishonor. You also waive any applicable statue of limitations to the full extent permitted by law\nand any right you may otherwise have to require the Credit Union to proceed against any person before suing you to collect. You understand that\nthe Credit Union will not be liable for a merchant\xe2\x80\x99s or other parties\xe2\x80\x99 refusal to honor your Card whether due to an error by the Credit Union, the\nmerchant, the Credit Union\xe2\x80\x99s authorized agent, or other third party.\n\nChange of Name, Address or Telephone Number\nYou will immediately notify the Credit Union in writing if you change your name, home address, home or business telephone number or employment\nchange.\n\nPledge of Shares and Security Interest\n\nBY SIGNING AN APPLICATION ACCEPTANCE OR AUTHORIZED USE OF ANY CREDIT CARDS, YOU GRANT AND PLEDGE A\nCONSENSUAL LIEN TO US ON ALL SHARES TO SECURE PAYMENT OF YOUR OBLIGATIONS ON THIS ACCOUNT. IN ADDITION,\nYOU ACKNOWLEDGE OUR STATUTORY LIEN RIGHTS UNDER THE FEDERAL CREDIT UNION ACT\xcd\xbe YOU AGREE THAT SUCH A\nLIEN IS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT IS OPENED\xcd\xbe AND YOU AGREE THAT WE CAN APPLY THE SHARES\nPLEDGED AT THE TIME OF ANY DEFAULT ON THIS ACCOUNT WITHOUT FURTHER NOTICE. \xe2\x80\x9cShares\xe2\x80\x9d for the purpose of your\npledge to secure your obligations to the credit union means all deposits in any share savings, share draft, club, certificate, P.O.D.,\nrevocable trust or custodial account(s), whether jointly or individually held\xe2\x80\x94regardless of contributions, that you have on deposit now or\nin the future. Your pledge does not include any I.R.A., Keogh, tax escrow, irrevocable trust or fiduciary account in which you do not have\na vested ownership interest.\n\nSecurity Interest\nPayments on your account are secured by any security interest in any property securing your other obligations to the Credit Union, whether existing\nnow or in the future, except your household goods and your primary residence. Further, you hereby grant the Credit Union security interest in all\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n7/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nproperty purchased through this credit plan, including a purchase\xc2\xadmoney security interest in any household goods purchased with an extension of\ncredit upon the account. These security interests shall secure faithful performance of all obligations arising under this Agreement\xcd\xbe and the Credit\nUnion shall have all of the rights of a secured party in accordance with the South Carolina Commercial Code and other applicable law.\n\nAdditional Terms of Visa\xe2\x80\x9a Agreement\nTo the extent not prohibited by applicable law, the terms, interpretation and enforcement of any claim or dispute arising under this Agreement, as\nwell as all parties\xe2\x80\x99 rights and duties, will be governed by South Carolina law regardless as to where you may reside or use your account. Further,\nthis Agreement is the contract which governs all transactions on your account even though sales, cash advances, credit or other slips may contain\ndifferent terms. You may not transfer or assign your account or Card to any other person. The Credit Union may assign or transfer this account, your\naccount balance, or this Agreement to another person, who will have all of our rights hereunder. This Agreement is binding on your heirs and legal\nrepresentatives. If there are joint obligors or authorized users for this credit plan, each of you will have the right to use the account to obtain loans\npursuant to the terms hereof. Each of you will be liable for all obligations owing on the account whether borrowed by you or otherwise and whether\nwithin or beyond the credit limit. Your liability will be joint and several. Either party has the right to cancel this Agreement. Further each of you is\nresponsible for all amounts borrowed by any authorized user(s). Authorized users and other users may also be required to repay the amount owed\nfor charges they make\xcd\xbe however, you remain, at all times, primarily responsible for all amounts owed. All Cards, billing statements and notices will\nbe mailed or delivered to the address given on the application for either applicant unless you direct otherwise in writing. If any law or judicial ruling\nmakes any part, provision, sentence or section of this Agreement unenforceable, the remainder will continue in full force and effect. You agree that\nyour account will also be subject to all rules and regulations of Visa U.S.A., Inc., as applicable. If there is any conflict between this Agreement and\nthe rules and regulations of Visa U.S.A., Inc., the rules and regulations of Visa U.S.A., Inc. will control.\n\nLimitations of Lawsuits\nYou agree that any lawsuit based on a cause of action against us must be filed within one year from the date it arises, or you shall be barred from\nfiling any lawsuit. This limitation includes tort, contract and all other causes of action for which you and we may lawfully contract to limit as set forth in\nthe Agreement.\n\nInsurance\nIf you elect insurance, as set forth in your Application, then the charges will be added to your account on each billing cycle, if insurance application\nis approved. Credit insurance is voluntary and not required to obtain a credit card with us. You have a right to terminate this insurance at anytime by\nnotifying us in writing. Insurance coverage is written by CUNA Mutual Insurance.\n\nYOUR BILLING RIGHTS\nKeep This Notice For Future Use:\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF\nERRORS OR QUESTIONS ABOUT YOUR BILL.\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet of paper) at the address\nlisted on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or\nproblem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:\n\nYour name and account number\nThe dollar amount of the suspected error\nDescribe the error and explain, if you can, why you believe there is an error\nIf you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment from occurring\nby contacting the credit union in writing. To stop the payment, your letter must reach us three business days before the automatic payment is\nscheduled to occur.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within thirty days, unless we have corrected the error by then. Within ninety days, we must either correct the error\nor explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount\nyou question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned\namount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n8/9\n\n\x0c8/1/2016\n\nPalmetto Citizens FCU: Visa Credit Card Agreement & Disclosure Statement\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to the questioned amount. If we didn\xe2\x80\x99t make a\nmistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we\nwill send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as\ndelinquent. However, if our explanation does not satisfy you and you write us within 25 days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we cannot collect the first $50.00 of the questioned amount, even if your bill was correct.\n\nSPECIAL RULES FOR CREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services that you purchase with a credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on\nthis right:\n\na. You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address.\nb. The purchase price must have been more than $50.00.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Further, the\nCredit Union has no liability for any tort or related claims arising from such purchases.\n\nhttps://www.palmettocitizens.org/info/visa.html\n\n9/9\n\n\x0c'


b'M-131618\n\nVisa\xc2\xae Credit Card\n\nTerms & Conditions\n\nThe words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean each and all of those who apply for, sign, or are authorized to use the Visa Credit Card. The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cMHV\xe2\x80\x9d, and \xe2\x80\x9cCredit Union\xe2\x80\x9d\neach mean Mid-Hudson Valley Federal Credit Union.\n1. Acceptance of Terms. Use of the card indicates acceptance of these terms and the MHV Membership Terms & Conditions.\n2. Credit Limit: We will establish your Credit Limit as the maximum principal amount of credit available to you under this Agreement, which we will provide in writing. You agree not\nto purchsae or obtain advances above your credit limit at any time. If you do it is a condition of default, subject to remedies stated below. You will pay any amounts which exceed the\nmaximum limit upon demand. You understand that your Credit Limit can be increased and decreased by us at any time; however, you will be notified in writing.\n3. Finance Charge. A finance charge (interest) will be charged at the periodic rate per month on any outstanding balances. The finance charge (interest) is calculated based on\ntwo balances for your account: purchases balance and cash advances balance. The finance charge is based on the average daily balance in both cases. To compute the average\ndaily balance for your account, we take the beginning purchases balance (or cash advance balance) in your account each day, add any new purchases (or cash advances), subtract\npayments or credits, which applied to that day\xe2\x80\x99s purchases (or cash advances), as well as unpaid finance charges from previous months (finance charges are not included as part of\nyour balance when determining the average daily balance). We then add up all the daily balances for Purchases; and for Cash Advances, for the billing cycle. We divide those totals by\nthe number of days in the billing cycle, thus we have the Average Daily Balance of Purchase and the Average Daily Balance of Cash Advances. Finance charges (interest) charged on\nthe outstanding balance will be at the periodic rate per month on any outstanding balances that are not paid within the allowable grace period established by the Credit Union\xe2\x80\x99s Board of\nDirectors. The grace period applies only to purchases, not to cash advances. The minimum finance charge is $.50.\n4. Monthly Statement. At the end of each billing cycle that your account balance is greater than $1, you will receive a monthly statement showing the previous balance, all purchases\nand advances during that monthly period, finance charges, late charges (if any), new balance, minimum payment due, payment due date, periodic rate (percentage rate of finance\ncharge which is charged against the balance for that period), and the annual percentage rate (which is the annual cost of credit in percentage terms).\n5. Purchases and Advances. You can use your card to make purchases from any business accepting Visa cards. Using your card and Personal Identification Number (PIN) you can\nget cash advances from any bank that accepts Visa and from participating ATM\xe2\x80\x99s. For advances and purchases, there may be a limit for each transaction or a daily limit. Convenience\nchecks are posted to your account as cash advances. We are not responsible for the refusal of any plan, merchant or financial institution to honor your card.\n6. Minimum Payment/Payment Allocation. The minimum payment is the larger of twenty-five dollars ($25) or 1.67% of the total amount of purchases, advances and late charges.\nPayments over the minimum will be applied to the highest rate APR. Payments received by 5pm will be credited the same business day.\n7. Lost or Stolen Cards. If your card, personal identification number or both are lost or stolen, or are being used without your authorization, immediately notify Visa Security directly\nat 1.800.449.7728. Your card will be closed and a replacement card will be sent. If your card is used by an unauthorized person, you will have no liability if you notify us of any\nunauthorized charge(s) within a 60-day period following the closing date of the statement on which the charges appear. Funds will be refunded within 10 days of notification. You should\nprovide us with written documentation of all fraudulent charges. However, the liability can be increased up to the limit if it is determined that you have handled your card fraudulently or\nwere grossly negligent.\n8. Default and Collection Cost. You will be in default under this Agreement if any of the following events shall occur: (a) If you fail to comply with the minimum payment or any other\nterms or conditions of this Agreement or any other obligation you have or will have with us; (b) If you make false or misleading statements in any credit application or update of credit\nor membership information; (c) If you should die or become insolvent; (d) If a petition should be filed or other proceedings should be started under the Federal Bankruptcy Code or\nany State insolvency statute by or against you; (e) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued against you or any of your\nproperty, assets or income; or (f) If we should consider yourself or any debts due under this Agreement unsafe or not completely secure or (g) if we should believe, in good faith, that\nthe chances of your paying or performing all of your obligations under this Agreement have been impaired. The credit union may demand immediate payment of the full balance upon\nyour failure to pay the minimum amount due on time or exceeding your credit limit without our permission. If the credit union asks that any amount owed be paid because one of the\nabove events occurred, and the credit union refers the claim for collection to an attorney, you will be liable for any collection costs, including court costs and reasonable attorney fees. In\naccordance with the Fair Credit Billing Act, the Credit Union reserves the right to offset your depository account for delinquent payments.\n9. Delay in Enforcement. We can delay enforcing our rights under this agreement without losing them.\n10. Credit Reports. You authorize us to make or have any credit, employment and investigative inquiries as we deem appropriate for the extension of credit or collection of amounts\nowed on this account. We can furnish information concerning your account or credit file to consumer reporting agencies and others who may properly receive that information. We\nmay request an updated credit report/credit score for purposes of determining your annual percentage rate. We may report information about your account to credit bureaus. If you\nfail to fulfill the terms of this Agreement, including making late payments, missing payments, or other default on your account, a negative report reflecting on your credit record may be\nsubmitted to a credit reporting agency.\n11. Amendment of Agreement/Right to Cancel. We can change this agreement at any time. However, if we do, we will mail you a written notice at least 45 days before the onset of\nyour billing cycle, in which the changes become effective. If you do not agree with the changes, you must notify us in writing within 45 days and discontinue use of your card. You must\nalso pay the balance of your account under the terms of the prior agreement.\n12. Disclosure of Account. Information to third parties: We will disclose information to third parties about your accounts (a) in order to verify the existence and condition of your\naccount for a third party, such as a credit bureau; (b) in order to comply with a government agency or court order; and (c) if you give us your written permission.\n13. Your Billing Rights. This notice contains information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify us in case of errors or questions about your bill. If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet at the\naddress listed on your statement within 60 days after the statement closing date, on the first statement which indicated the error or mistake. Please include the following information in\nyour letter:\n\xe2\x80\xa2 Your name and account number\n\xe2\x80\xa2 The dollar amount of the suspected error\n\xe2\x80\xa2 Describe the error and your evaluation as to how the error may have occurred\nIf you have authorized us to pay your credit card bill from your savings or checking account, you can stop the payment in writing received at least three business days before the\nautomatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90\ndays, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for any amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay\nany questioned amount while we are investigating, but you are still obligated to pay the parts of the bill that are not in question. If we made a mistake on your bill, you will not have to\npay any finance charge related to the questionable amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on\nthe questioned amount. You will receive a statement with the amount you owe and the due date. If you fail to pay the amount due, we may report you as delinquent. However, if the\nexplanation still does not satisfy you, write to us within 10 days explaining that you still refuse to pay, and we must tell you who your delinquency was reported to. If the matter is settled\nbetween us, we must inform anyone we reported your delinquency to that the matter has been settled. If we do not follow these rules, we cannot collect the first $50 of the questioned\namount, even if your bill was correct.\n14. Specific Rule for Credit Card Purchases. If you have a problem with the quality of property or service that you purchased with a 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 property or service. There are two limitations on this right: (a) You must have\nmade the purchase within your home state, or within 100 miles of your current mailing address, and (b) The purchase price must have been more than $50. These limitations do not\napply if we own or operate the merchant, or if we mailed you the advertisement for the property or service.\n15. Cancellations. You may cancel your account at any time by notifying us in writing and discontinuing use of your card. However, you remain responsible to pay the unpaid balance\nwith interest and any other charges according to the terms of the agreement. The credit union may cancel or suspend your card privileges at any time without prior notice.\n16. Other Agreements. In addition to the provisions of this agreement, use of your credit card is subject to other terms, conditions and disclosures of the Mid-Hudson Valley Federal\nCredit Union accounts that may be used.\n17. Applicable Law. The relationship between you and the credit union is controlled by New York State and the National Credit Union Administration Rules and Regulations.\n18. International Currency Conversion/Travel. The exchange rate for international transactions will be a rate selected by Visa from the range of rates available in wholesale currency\nmarkets, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, plus 1%. Please contact us before\ntraveling abroad as some restrictions may apply in foreign countries.\n19. Secured Visa Cards. Should your Visa card be approved based on pledging security in your share account, you agree to maintain said amount of credit limit plus 25% in a deposit\naccount to secure it in addition to the $5 minimum balance required to maintain your membership status. The credit union will freeze said share amount required to secure your Visa and\nwill only consider releasing the frozen amount based on an updated credit decision. Should the security hold be released, your APR may increase. Should you become delinquent on\nyour secured Visa, you agree to allow the credit union to offset your balance with said share amount.\n20. Illegal Transactions. You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of\nillegality or unlawfulness.\n21. CURewards Local Rules & Conditions.\nFor Platinum+Rewards: The limit on the number of points that can be earned on a Rewards card through the CURewards program is 7,000 in a calendar month and 35,000 in a\ncalendar year. Points accrue over four (4) calendar years and expire on a first-in-first-out basis annually; i.e., points earned in calendar year one will expire as of the last business day\nof calendar year four.\nFor Signature: Points accrue over five (5) calendar years and expire on a first-in-first-out basis annually; i.e., points earned in calendar year one will expire as of the last business day of\ncalendar year five.\n22. Joint Accounts, Co-Signers & Business Accounts: If you designate a joint owner, co-signer or business officer on this account, all parties have full rights to use available credit,\nmake payments and close the card(s). The credit union is only obligated to provide a periodic statement to the address of record.\n\n\x0cInterest Rates and Interest Charges\nVisa Platinum\nAnnual Percentage\nRate (APR) for\nPurchases\n\nVisa Signature\n\n1.99% introductory APR 0% introductory APR on\n\nVisa Platinum Business\n\nPrime + 8.75%\n\nfor 12 billing cycles. After that,\nyour APR will be\n\npurchases for 6 billing cycles.\nAfter that, your APR will be\n\nPrime + 7.49%\nto 10.49%\n\nPrime + 8.74%\nto 11.74%\n\nAPR for Balance\nTransfers\n\n1.99% introductory APR for\n12 billing cycles. After that,\nyour APR will be Prime\n+ 7.49% to 10.49%\nbased on annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nPrime + 8.74% to 11.74%\nbased on annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nPrime + 8.75%\nThis APR will vary with the\nmarket based on the Prime\nRate.*\n\nAPR for Cash\nAdvances\n\n1.99% introductory APR for\n12 billing cycles. After that,\nyour APR will be Prime +\n7.49% to 10.49% based\non annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nPrime + 8.74% to 11.74%\nbased on annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nPrime + 8.75%\nThis APR will vary with the\nmarket based on the Prime\nRate.*\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nNone\n\nNone\n\nHow to Avoid\nPaying Interest\non Purchases\n\nYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you\nany interest on purchases if you\npay your entire balance by the\ndue date each month. We will\nbegin charging interest on cash\nadvances, convenience checks\nand balance transfers on the\ntransaction date.\n\nYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you\nany interest on purchases if you\npay your entire balance by the\ndue date each month. We will\nbegin charging interest on cash\nadvances, convenience checks\nand balance transfers on the\ntransaction date.\n\nYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you\nany interest on purchases if you\npay your entire balance by the\ndue date each month. We will\nbegin charging interest on cash\nadvances, convenience checks\nand balance transfers on the\ntransaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the If you are charged interest, the If you are charged interest, the\ncharge will be no less than $.50. charge will be no less than $.50. charge will be no less than $.50.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors\nto consider when applying\nfor or using a credit card, visit\nthe website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.\ngov/learnmore.\n\nTo learn more about factors\nto consider when applying\nfor or using a credit card, visit\nthe website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.\ngov/learnmore.\n\nTo learn more about factors\nto consider when applying\nfor or using a credit card, visit\nthe website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.\ngov/learnmore.\n\nNone\n\nNone\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\nNone\n\xe2\x80\xa2 Cash Advance\n2% or $10 (whichever is greater)\n\xe2\x80\xa2 Foreign Transaction 1% of each transaction in U.S.\ndollars\n\nNone\n2% or $10 (whichever is greater)\n1% of each transaction in U.S.\ndollars\n\nNone\n2% or $10 (whichever is greater)\n1% of each transaction in U.S.\ndollars\n\nPenalty Fees\n\xe2\x80\xa2 Over-the-Credit Limit None\n\xe2\x80\xa2 Late Payment\nUp to $35\n\xe2\x80\xa2 Returned Payment Up to $35\n\nNone\nUp to $35\nUp to $35\n\nNone\nUp to $35\nUp to $35\n\nbased on annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nThis APR will vary with the\nmarket based on the Prime\nRate.*\n\nbased on annual review of\ncreditworthiness. This APR will\nvary with the market based on\nthe Prime Rate.*\n\nFees\nAnnual Fee\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases and cash\nadvances).\nThe Annual Percentage Rate is calculated by adding 7.49% to 10.49% for Visa Platinum, 8.74% to 11.74% for Visa Signature,\nor 8.75% for Visa Platinum Business to the highest Prime Rate as printed in the Wall Street Journal on the 15th of March, June,\nSeptember & December. Rate ceiling is 18%. Visit www.mhvfcu.com for current rates.\n*\n\n800.451.8373 \xe2\x80\xa2 www.MHVFCU.com\n\nM-131618 06/2020\n\n\x0c'