b'CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT\nFOR YOUR GECU REWARDS CREDIT CARD\nDisclosure to GECU Rewards Credit Card Agreement and Disclosure Statements\nDisclosure of variable rates and fees are accurate and based on the Prime Rate of 3.25% in effect\nas of April 1, 2020 and may have changed. To receive the most recent information, contact GECU\nat 1-800-772-4328.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\nas of 4-1-20,\n(APR) for Purchases,\n1\ndepending\non\nyour\ncreditworthiness\nBalance Transfers, and\nConvenience Checks\nThis APR will vary on the market based on the Prime Rate.2\nAPR for Cash Advances\n2% above your APR for Purchases, not to exceed 17.90%.\n\n10.74%, 11.74%, 13.74%, or 16.74%\n\nPenalty APR and When it\nApplies\nPaying Interest\n\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFees and Charges\nAnnual Fee\nTransaction Fees\nBalance Transfer\nForeign Transaction\nPenalty Fees\nLate Payment\nOver-the-Limit\nReturned Payment\n\nThe APR will vary on the market based on the Prime Rate.2\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances,\nbalance transfers, and convenience checks on the transaction date.\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nNone\nNone\n1% of transaction\nIf payment is 10 days or more past due, you will be charged up to $25.\nNone\nUp to $25\n\nHow We Will Calculate your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including\npurchases)\xe2\x80\x9d. See your account agreement for more details.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage\nrate (APR) of 36%. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). Please call us at (844) 351-4328 to receive disclosures orally.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nRev. 6/01/21\n1\n\n\x0c1 The\n\nPeriodic Rate (DPR) for the APRs listed in the table above are as follows:\nStandard Rate DPR\nCash Advance Rate DPR\n10.74% APR (.02942% DPR)\n12.74% APR (.03490% DPR)\n11.74% APR (.03216% DPR)\n13.74% APR (.03764% DPR)\n13.74% APR (.03764% DPR)\n15.74% APR (.04312% DPR)\n16.74% APR (.04586% DPR)\n17.90% APR (.04904% DPR)\n\n2\n\nThe Standard Rate Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate\ndetermined quarterly by adding a margin of 7.49% to 13.49%, not to exceed 17.90%, (depending on our\nreview of your application and credit history) to the Prime Rate (Index) which is published in the \xe2\x80\x9cMoney\nRates\xe2\x80\x9d column of The Wall Street Journal on the last business day of each calendar quarter. The Index\nwill be applied the first day of your billing cycle that ends in the calendar month following each quarter\nend. Your account shall generally be reviewed periodically to determine the appropriate margin and credit\nscore range, and as otherwise required by law. Changes to your APR will be applied upon notification in\naccordance with applicable laws and regulations.\n\nNotice: Read and retain this copy of your Agreement and Truth-in-Lending Disclosure for\nfuture reference.\nTERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) cover your GECU Rewards credit card (\xe2\x80\x9cAccount\xe2\x80\x9d) with us. In this Agreement,\nthe word \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means any person who signs the GECU Rewards credit card\nApplication (\xe2\x80\x9cApplication\xe2\x80\x9d) or any person who uses the Card(s). \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d means\nGECU, primary address located at 1225 Airway Drive, El Paso, TX 79925. The \xe2\x80\x9cCard\xe2\x80\x9d means\nany GECU Rewards credit card issued to you or those designated by you under the terms of\nthis Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or someone authorized\nby you, to make a purchase or an advance whether or not the purchase or advance is\nevidenced by a signed written document. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of your Card by a\nperson, other than you, who does not have actual, implied or apparent authority for such use,\nand from which you receive no benefit. In this Agreement, any plural terms shall be deemed\nsingular and any singular terms shall be deemed plural when context and construction so\nrequire.\nGECU CREDIT CARD REWARDS PROGRAM: The GECU Rewards credit card program\n(\xe2\x80\x9cProgram\xe2\x80\x9d) is offered by GECU, administered by third-party providers The Members Group,\nLLC, (\xe2\x80\x9cSponsor\xe2\x80\x9d), and managed by Augeo Consumer Engagement Services, LLC\n(\xe2\x80\x9cAdministrator\xe2\x80\x9d). Participation in the Program is exclusive to those individuals who have a\ncurrent GECU Rewards credit card issued by us. The Sponsor and GECU reserve the right to\ndisqualify you from participation in the Program and invalidate all Points for abuse, fraud, or any\nviolation of the Program terms and conditions. The Sponsor or GECU may make such a\ndetermination at its sole discretion. The Program is void where prohibited by federal, state, or\nlocal law. GECU, the Sponsor and Administrator reserve the right to cancel the Program,\nchange the terms and conditions of the Program, and change the points required for a reward\nwithin the Program, at any time, in accordance with applicable law. Eligibility in the Program is\nrestricted to individuals who have a statement address within the 50 United States, the District\nof Columbia, or any U.S. Possession or Territory.\nFor questions, concerns, or complaints concerning the Program, please contact the\nAdministrator\xe2\x80\x99s customer service center at 888-715-2593 or visit gecu.com. You should expect a\nresolution to all inquiries within three (3) business days. The travel redemption center is\navailable Monday through Friday from 9:00 a.m. to 10:00 p.m. ET, Weekends from 9:00 a.m. to\n1:00 p.m. ET. Closed New Year\xe2\x80\x99s Day, Easter, Memorial Day, Thanksgiving and Christmas.\nRev. 6/01/21\n2\n\n\x0cEXTENSION OF CREDIT: If your Application is approved, we may, at our discretion, establish\nan Account in your name and cause one or more Cards to be issued to you or those designated\nby you. In such event, you authorize us to pay for your Account, all items reflecting credit\npurchases, balance transfers, convenience checks, and cash advances obtained through use of\nthe Card. Being a member of GECU is necessary to obtain and maintain use of the Card.\nNOTE:\n\nYou must qualify for a minimum credit line of $5,000 to receive GECU Rewards credit card\nbenefits. For a complete description of benefits, please refer to the summary of benefits\nprovided with your new card.\nJOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each\nof you shall be jointly and individually liable to us for all charges made to the Account, including\napplicable fees. In addition, you agree that each of you designates the other as agent for the\npurpose of making purchases extended under this Agreement and each use of your Account\nshall be an extension of credit to all. Notice to one of you shall constitute notice to all. Any joint\ncardholder may remove him/herself from responsibility for future purchases at any time by\nnotifying us in writing. However, removal from the Account does not release you from any\nliability already incurred.\nCONVENIENCE CHECKS: We may, at our discretion, issue checks to you. By signing such\nchecks, you authorize us to pay the item for the amount indicated and post such amount as a\ncash advance to your Account. We do not have to pay any item which would cause the\noutstanding balance in your Account to exceed your credit limit. We may reject and return\nunpaid any Convenience Check you write for any reason. Checks used to access your account\nmay not be accepted if made to cash, you, or if presented in a format other than the checks we\nissue. Convenience checks may not be used to pay off existing debt at GECU.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be\nliable for all credit extended to such persons. You promise to pay for all purchases, balance\ntransfers, convenience checks, and cash advances made by anyone whom you authorize to use\nyour Card, whether or not you notify us that he or she will be using it. If someone else is\nauthorized to use your card and you want to end that person\xe2\x80\x99s privilege, you must notify us in\nwriting and, if he or she has a Card, you must return the Card with your written notice for it to be\neffective.\nCREDIT LIMITS: You promise that payments we make for your Account(s) resulting from use of\nthe Card will, at no time, cause the outstanding balance of your Account to exceed your credit\nlimit as established by us or as adjusted from time to time at our discretion.\nTRANSACTION LIMITS: The maximum balance permitted for all cash advance transactions is\n50 percent of your credit limit, subject to the terms and limitations outlined herein. Balance\ntransfers between the GECU credit card programs are not permitted.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances,\nbalance transfers, and convenience checks made by you or anyone whom you authorize to use\nthe Card or Account; (b) FINANCE CHARGES and other charges or fees; (c) collection costs\nand attorneys\xe2\x80\x99 fees as permitted by applicable law and any costs incurred in the recovery of the\nCard; and (d) credit in excess of your credit limit that we may extend to you. At the end of each\nmonthly billing cycle for which you have a balance on your Account, you will be furnished with a\nperiodic statement showing (i) the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the Account\nat the beginning of the billing cycle), (ii) the amount of all cash advances, purchases, balance\nRev. 6/01/21\n3\n\n\x0ctransfers, convenience checks, over-the-limit fees, late charges, annual fees, FINANCE\nCHARGES and other charges or fees posted to your Account during the billing cycle, (iii) the\namount of all payments and credits posted to your Account during the billing cycle and (iv) the\n\xe2\x80\x9cNew Balance\xe2\x80\x9d which is the sum of (i) and (ii) minus (iii).\nYou agree to pay for your Account on or before the Payment Due Date shown on the monthly\nperiodic statement either the entire New Balance or a Minimum Payment equal to any amount,\nwhich is at least 2% of the New Balance or $25.00 whichever is greater, plus any amount in\nexcess of the credit limit established by us and any past due minimum payments. If the New\nBalance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance\nof the due date without a penalty and you may repay any funds advanced, credit extended or\namount outstanding at any time without a penalty for early payment. Regardless of the amount\nof any extra payment during a given month, a monthly payment will be required the following\nmonth if a balance remains in your Account.\nCOST OF CREDIT: You will pay a FINANCE CHARGE for all advances made against your\nAccount. FINANCE CHARGES for cash advances, balance transfers, and convenience checks\nbegin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE\non the date they are posted to your Account if you have paid the Account in full by the Payment\nDue Date shown on your previous monthly statement or if there was no previous balance. Cash\nAdvances incur a FINANCE CHARGE from the date they are posted to your Account.\nNo additional FINANCE CHARGES will be imposed on new purchases shown on your\nstatement if the New Balance shown on the statement is paid in full by the Payment Due Date\nreflected on the statement. For purchases made with your Card, there is at least a 25-day grace\nperiod within which the New Balance may be paid without incurring a FINANCE CHARGE.\nThe Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to\nthe \xe2\x80\x9cBalance Subject to FINANCE CHARGE\xe2\x80\x9d which is the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your\nAccount, including current transactions. The Average Daily Balance is arrived at by taking the\nbeginning balance of your Account each day, adding new cash advances, balance transfers,\nand convenience checks, and unless you pay your entire Account Balance in full by the\nPayment Due Date shown on your previous monthly statement or there is no previous balance,\nadding in new purchases, and subtracting any payments or credits and unpaid FINANCE\nCHARGES. This gives us the daily balance. The daily balances for the billing cycle are then\nadded together and divided by the number of days in the billing cycle. The result is the \xe2\x80\x9cAverage\nDaily Balance.\xe2\x80\x9d The Periodic Rate portion of the FINANCE CHARGE is determined by\nmultiplying the Average Daily Balance by the number of days in the billing cycle and applying\nthe respective periodic rate to the product. If your periodic rate is computed based on an Index,\nyour periodic rate(s) may vary.\nThe APR is a variable rate determined quarterly by adding a margin of 7.49% to 13.49%, not to\nexceed 17.90% APR, (depending on our review of your application and creditworthiness) to the\nPrime Rate (Index). This Index as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d column of The Wall Street\nJournal on the last business day of each calendar quarter. If the last business day of a calendar\nquarter falls on a weekend or a holiday, then the Index published on the preceding business day\nfor that month will be used. The Index will be applied the first day of your billing cycle that ends\nin the calendar month following each quarter end. Your account shall generally be reviewed\nperiodically to determine the appropriate margin and credit score range, and as otherwise\nrequired by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon\nnotification in accordance with applicable laws and regulations.\n\nRev. 6/01/21\n4\n\n\x0cThe ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or\nconvenience checks in any given billing cycle will be the Index plus the margin as set forth in the\nAdditional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers,\nand convenience checks are referred to as the Standard Rate. The daily periodic rate and\ncorresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance\ntransfers, and convenience checks are set forth in the Additional Disclosure.\nFor all, purchases, cash advances, balance transfers, and convenience checks, the Standard\nRate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding\nStandard Rate Daily Periodic Rate of .04904%.\nPlease note that the terms of your account, including any of the ANNUAL PERCENTAGE\nRATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be\nin accordance with the Agreement and Disclosure Statement for your account.\nPENALTY APR: No Penalty APR.\nLIABILITY FOR UNAUTHORIZED USE: Under MasterCard\xe2\x80\x99s\xc2\xae zero liability policy, you will not\nbe liable for an unauthorized transaction, as long as you exercised reasonable care in\nsafeguarding the card from risk of loss or theft, and upon becoming aware, promptly notify our\ndesignee orally or in writing of the loss, theft, or possible unauthorized use at Card Services,\nDispute Processing, P.O. Box 10409, Des Moines, IA 50306, Telephone Number\n1.800.810.2252. In any case, your maximum liability for unauthorized use of the Card will not\nexceed $50.00 and you will not be liable for any unauthorized use that occurs after you notify\nour designee of the address or telephone number above.\nSKIP PAYMENT OPTION: We may designate a billing period in which you will have an option\nto skip a payment or pay less than the Minimum Payment Due. If you exercise this option,\nFINANCE CHARGES will accrue based on your \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d as described in the\nGECU Rewards Credit Card Agreement and Disclosure Statement.\nCREDITING OF PAYMENTS: Payments made on your Account at the address designated for\npayment on the monthly periodic statement or in-person payments at a branch made prior to the\nclose of business will be credited on the date of receipt. If the date of receipt is not a business\nday, your payment will be credited on the first business day following receipt. Payments on your\nAccount will be applied first to collection costs, then to any FINANCE CHARGE and to other\nfees due, and then to the unpaid principal balance as required by law. We reserve the right to\nwithhold credit availability on any payment. Interest paid or agreed to be paid shall not exceed\nthe maximum amount of interest permissible under applicable law, and in any contingency\nwhatsoever, if we shall receive anything of value deemed interest under applicable law which\nwould exceed the maximum amount of interest permissible under applicable law, the excessive\ninterest shall be applied to the reduction of the unpaid principal amount or refunded to you.\nATM TRANSACTIONS: When you conduct a transaction at an ATM, you may be charged a\nfee by the ATM operator or any network used to complete the transfer, which may include\nGECU owned ATMs.\nLATE PAYMENT FEE: If a payment is 10 days or more past due, you will be charged a Late\nPayment Fee up to $25. If your minimum payment is less than $25, the Late Payment Fee will\nbe equal to your minimum payment.*\nANNUAL FEE: No Annual Fee.\nRev. 6/01/21\n5\n\n\x0cOVER-THE-LIMIT FEE: No Over-the-Limit Fee.\nRETURNED PAYMENT FEE: We will charge you a Returned Payment Fee up to $25 if any\npayment you send us is returned unpaid for any reason. We will charge you this fee each time\nany payment is returned unpaid, even if it is paid upon resubmission. If your minimum payment\nis less than $25, the Returned Payment Fee will be equal to your minimum payment.*\n*MULTIPLE FEES: In the event that the Late Payment Fee and the Returned Payment Fee\napply concurrently, we will not charge you more than one fee for a single event.\nOTHER FEES:\nConvenience Check Fee ....................................... $4.00\nDuplicate Statement Fee ........................................ $5.00\nExpedited Card Fee\xe2\x80\xa6........................................ $29.50\nBalance Transfer Stop Payment Fee\xe2\x80\xa6 ................ $25.00\nTelephone Operator Assistance Fee\n(for expedited service) ........................................ $5.00\nSECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE\nUNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT\nUNION MAY HAVE IN ANY GOODS YOU PURCHASE. YOU SPECIFICALLY GRANT US A\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US\nNOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE\nUNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR\nINDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. SHARES\nAND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT (IRA) OR ANY OTHER\nACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL\nLAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU\nARE GIVING. COLLATERAL SECURING OTHER LOANS WITH US MAY ALSO SECURE\nPAYMENTS FOR YOUR ACCOUNT UNDER THIS AGREEMENT. YOU MAY WITHDRAW\nTHESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT,\nYOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY\nAMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE,\nYOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE\nUNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT\nAPPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE\nMILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED\nBORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR\nCREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU\nCEASE TO BE A COVERED BORROWER.\nUNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL\nSECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE\nTHIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY\nFOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY\nOTHER AGREEMENT.\nEARNING POINTS: You will earn (\xe2\x80\x9cPoints\xe2\x80\x9d) for all purchases of eligible goods and services\nusing your Rewards Card. Points are earned at a rate of 1.5 point per $1 spent on qualifying\npurchases. The calculation for Points earned is based on whole dollars and is rounded to the\nRev. 6/01/21\n6\n\n\x0cnearest whole dollar, i.e. $21.25 = $21 = 31.5 points; $49.51 = $50 = 75 points). There is no\nlimit to the number of Points you can earn in a billing cycle or within a Program year. The\nProgram year is based on the month of the Program registration (i.e. account opening).\nPoints accumulated for other products or services are determined at the sole discretion of the\nSponsor and GECU. GECU reserves the right to amend the types of purchases that qualify to\nearn points, to include special Reward Promotions that the Credit Union may offer from time to\ntime. Cash advances, balance transfers, ATM transactions, and transactions with the use of\nconvenience checks are not eligible to earn points. To be eligible to earn Points, your\naccount(s) must be open (meaning not closed, canceled or terminated for any reason) and the\nRewards Card cannot be delinquent and/or over the limit.\nPoint earnings are based on the net retail purchase transaction volume (i.e., purchases less\ncredits, returns, and adjustments) charged to your Rewards Card during each day. Net\npurchases are rounded to the nearest dollar and are subject to verification. If a transaction is\nsubject to a billing dispute, the Point value of the transaction may be deducted from the Point\ntotal during the dispute period. If the transaction is reinstated, points will be reinstated.\nIf more than one card has been issued for the same account, the Points earned from each card\nwill automatically be pooled together into one available Point balance.\nPoints may not be combined with any other loyalty/frequency reward program that is not\nmanaged by the Sponsor and GECU.\nThe Sponsor and GECU reserve the right to award bonus Points for any activity or condition it\ndecides, to include awarding bonus points for promotional periods to qualifying cardholders.\nPoints are not your property and cannot be bought, sold, or transferred in any way (including\nupon death or as part of a domestic relations matter). Points are tracked and redeemable on\nfirst-in, first-out basis. Refer to the redemption website (gecu.com) for point expiration details.\nGECU, the Sponsor and Administrator shall have no liability for disagreements with you\nregarding points. The Sponsor\xe2\x80\x99s decisions regarding Point discrepancies shall be final.\nREDEEMING POINTS: At the Sponsor\xe2\x80\x99s and GECU\xe2\x80\x99s option, redemption of points may be\nrestricted, limited, expired or cancelled at any time without prior notice. To redeem points, visit\nthe redemption website (gecu.com) or call the member service department at 1.888.715.2593.\nTo be eligible to redeem Points, your account(s) must be open (meaning not closed, canceled,\nor terminated for any reason) and the Rewards Card cannot be delinquent and/or over the limit.\nPoints are deducted from your point balance as soon as they are redeemed. Points must be\nredeemed by you, but can be used to provide a reward for another person of your choice.\nYou agree to release GECU, the Sponsor and Administrator and each of their vendors from all\nliability for any injury, accident, loss, claim, expense or damages sustained by you associated\nwith a reward or use of rewards while participating in this Program and in the case of a travel\nreward, anyone traveling with or without you, in connection with the receipt, ownership, or use of\nany reward. GECU, the Administrator and the Sponsor shall not be liable for consequential\ndamages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward.\nYou are responsible for determining any tax liability arising from participation in the Program.\nConsult a tax advisor concerning tax consequences.\n\nRev. 6/01/21\n7\n\n\x0cPlease see the Programs\xe2\x80\x99 website at gecu.com for additional information concerning the\nrewards options available and the terms and conditions surrounding those offers. Other fees\nmay apply at the time of point redemption depending on the category of reward you select for\npoint redemption.\nEXPIRATION AND FORFEITURE OF POINTS: Points will expire three years (3) from earning\nand the oldest Points will expire first (i.e. first in, first out). Points will expire on the billing cycle\ndate within the month of expiration. Points will be forfeited if your Account is closed, revoked,\nfrozen, delinquent and/or over the limit, or if you are in bankruptcy.\nDEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to\nkeep any promises you have made under this or any other agreement with us; (3) if you are the\nsubject of an order of relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by\nlegal process, to take any of your money maintained with us; (5) if you have given us false or\ninaccurate information in obtaining your Card; or (6) if we reasonably believe that you are\nunable or unwilling to repay your obligations to us.\nACCELERATION: If you are in default, without notice to you, we may accelerate your debt and\ncall any amounts you owe immediately due and payable, plus FINANCE CHARGES which shall\ncontinue to accrue until the entire amount is paid. If you default on your Account you authorize\nus to transfer the balance of your Account to another linked account of yours. You expressly\nwaive any right to notice of our intention to accelerate and notice that your debt has been\naccelerated.\nTERMINATION AND CHANGES: You may terminate this Agreement, by written notice, as to\nfuture advances at any time. We can terminate this Agreement at any time subject to such\nnotice as may be required by applicable law. Termination by either party shall not affect your\nobligation to repay any payments made for your Account resulting from use of the Card as well\nas FINANCE CHARGES and other related charges. We may change the terms of this\nAgreement, including the periodic rate, at any time subject to such notice as may be required by\napplicable law.\nCLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF THIS\nAGREEMENT: We may close or suspend your Account at any time without prior notice. You\nmay also close your Account by notifying us. Once your account is closed, (A) you may not\nmake any new transactions, and you must destroy all Cards and Convenience Checks; and (B)\nyou must repay any outstanding balance pursuant to the Terms of this Agreement. Closing the\nAccount will not prevent transactions from being added to the Account and you will remain liable\nfor all unpaid balances including transactions made or processed after the date the Account is\nclosed.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING\nAGENCIES: We may report the status and payment history of your Account to credit reporting\nagencies each month. If you believe that the information we have reported is inaccurate or\nincomplete, please notify us in writing at our primary address shown in the Terms of this\nAgreement section of this Agreement. Please include your name, address, home telephone\nnumber and Account number.\nCREDIT INVESTIGATION: In conjunction with your application for credit and, if approved,\nmaintenance of your Account, you agree that we have the right to investigate your credit and\nemployment history, to verify your credit references, to request and use credit reports, and to\nreport the way you pay your Account to credit bureaus and other interested parties.\nRev. 6/01/21\n8\n\n\x0cILLEGAL TRANSACTIONS: You may not use your Card for any illegal transaction. You agree\nthat we may decline to process any transaction that we believe in good faith to be for an illegal\npurpose. You agree that we will not be liable for declining to process any such transaction. If we\ndo process any transaction that ultimately is determined to have been for an illegal purpose, you\nagree that you will remain liable to us under this agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an\nact of default under this Agreement. YOU FURTHER AGREE TO WAIVE ANY RIGHT TO\nTAKE LEGAL ACTION AGAINST GECU FOR YOUR ILLEGAL USE OF THE CARD AND TO\nINDEMNIFY AND HOLD GECU AND MASTERCARD\xc2\xae INTERNATIONAL, INCORPORATED\nHARMLESS FROM AND AGAINST ANY LAWSUIT, OTHER LEGAL ACTION OR LIABILITY\nTHAT RESULTS DIRECTLY OR INDIRECTLY FROM SUCH ILLEGAL USE.\nFOREIGN CURRENCY CONVERSION: If you effect a transaction with your MasterCard card in\na currency other than U.S. dollars, MasterCard International will convert the charge into a U.S.\ndollar amount. MasterCard International will use its currency-conversion procedure, which is\ndisclosed to institutions that issue MasterCard cards. Currently the currency-conversion rate\nused by MasterCard International to determine the transaction amount in U.S. dollars for such\ntransactions is generally either a government-mandated rate or a wholesale rate determined by\nMasterCard International for the processing cycle in which the transaction is processed,\nincreased by an adjustment factor established from time to time by MasterCard International.\nThe currency-conversion rate used by MasterCard International on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement\nposting date. You agree that you will not cause or allow the Card to be used in any manner or\nfor any transaction that we believe poses an undue risk or illegality and we may refuse to\nauthorize any such use or transaction. You agree that any illegal use of the Card will be deemed\nan act of default under this Agreement.\nForeign Transaction Fee: Foreign transaction fees may apply for three types of transactions:\n1. Card purchases you make or that are processed outside the U.S.;\n2. ATM cash withdrawals made or processed in foreign countries and foreign currencies; or\n3. Online purchases from a non-U.S. retailer that uses an overseas bank to process\ntransactions;\nGECU assess a fee as set forth in the Fees and Charges section above.\nADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the\ntotal Agreement and cannot in any way be severed from it. However, if any provision of this\nAgreement is finally determined to be void or unenforceable under any law, rule, or regulation,\nall other provisions of this Agreement will remain valid and enforceable. You understand that\nthis Agreement is performable in the country and state of the aforementioned credit union in this\nAgreement, and the validity, construction, and enforcement of this Agreement shall be governed\nby applicable federal law and the laws of the state in which the aforementioned credit union is\nprimarily located. We do not warrant any merchandise or services purchased by you with the\nCard. All purchases and cash advances are extended at the option of the merchant or cash\nadvancing financial institution and we are not responsible for the refusal of any merchant or\nfinancial institution to honor your Card. The Card remains our property at all times and you\nagree to immediately surrender the Card upon demand. You agree to pay all reasonable costs\nof collection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the recovery of\nthe Card. We can accept late payments or partial payments, or check or money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under the Agreement. We can also delay\nenforcing any of our rights under this Agreement without losing them. You expressly waive\npresentment for payment, demand, protest, and notice of protest and dishonor of same. You\nagree to give us prompt notice of any change in your name, mailing address, telephone number\nRev. 6/01/21\n9\n\n\x0cor place of employment.\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:\nBy using the Card, you agree to all the terms and conditions and promise to perform all the\nobligations, requirements, and duties contained in this Agreement, and you acknowledge receipt\nof a copy of this Agreement.\nGECU, 1225 Airway, El Paso, TX 79925 issues your credit card under this Agreement.\nWHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT\nNOTICE OF YOUR BILLING RIGHTS \xe2\x80\x93\nKEEP THIS NOTICE FOR FUTURE USE.\nThis notice contains important information about your rights and our responsibilities under the\nFair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Statement.\nIf you think your statement is wrong or if you need more information about a transaction on your\nstatement, write us on a separate sheet at the address listed on your statement. Write to us as\nsoon as possible. We must hear from you no later than 60 days after we sent you the first\nstatement on which the error or problem appeared. You can telephone us, but doing so will not\npreserve your rights.\nIn your letter, provide us with the following information: (a) your name and account number; (b)\nthe dollar amount of the suspected error; (c) a description of the error and explain, if you can,\nwhy you believe there is an error. If you need more information, describe the item you are not\nsure about.\nIf you have authorized us to pay your credit card bill automatically from your GECU checking\naccount, you can stop the payment on any amount you think is wrong. To stop the payment,\nyour letter must reach us three (3) business days before the automatic payment is scheduled to\noccur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice.\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then.\nWithin 90 days, we must either correct the error or explain why we believe the statement was\ncorrect. After we receive your letter, we cannot try to collect any amount you question or report\nyou as delinquent. We can continue to bill you for the amount you question, including FINANCE\nCHARGES, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your statement that are not in question. If we find that we made a mistake on your\nstatement, you will not have to pay any FINANCE CHARGES related to any questioned\namount. If we didn\xe2\x80\x99t make a mistake, you may have to pay FINANCE CHARGES and you will\nhave to make up any missed payments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due. If you fail to pay the amount\nthat we think you owe, we may report you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your statement. And, we must tell you\nthe name of anyone we reported you to. We must tell anyone we report you to that the matter\nhas been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the questioned amount, even if\nyour statement was correct.\nRev. 6/01/21\n10\n\n\x0cSpecial Rule for Credit Card Purchases.\nIf you have a problem with the quality of property or services that you purchased with a credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property or services. There are two\nlimitations on this right: (a) you must have made the purchase in your home state, or if not within\nyour home state, within 100 miles of your current mailing address; and (b) the purchase price\nmust have been more than $50.00. These limitations do not apply if we own or operate the\nmerchant or mailed you the advertisement for the property or services.\nGECU MEMBER SERVICE: Call 1.800.810.2252, 24 hours a day, seven days a week. (Please\nhave account information available).\nCalifornia residents: Applicants: 1) may, after credit approval, use the credit card account up to\nits credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As\nrequired by law, you are hereby notified that a negative credit report reflecting on your credit\nrecord may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit\nobligations.\nFlorida Residents: You (borrower) agree that, should We obtain a judgment against You, a\nportion of Your disposable earnings may be attached or garnished (paid to Us by Your\nemployer), as provided by Florida and Federal law.\nMaryland Residents: To the extent, if any, that Maryland law applies to Your Account, We elect\nto offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law\nArticle.\nMissouri Residents: Oral Agreements or commitments to loan money, extend credit or to forbear\nfrom enforcing repayment of a debt including promises to extend or renew such debt are not\nenforceable. To protect You (borrower(s)) and Us (creditor) from misunderstanding or\ndisappointment, any Agreements We reach covering such matters are contained in this writing,\nwhich is the complete and exclusive statement of the Agreement between Us, except as We\nmay later agree in writing to modify it.\nNebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska\nlaw. To protect you and us from any misunderstandings or disappointments, any contract,\npromise, undertaking, or offer to forebear repayment of money or to make any other financial\naccommodation in connection with this loan of money or grant or extension of credit, or any\namendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions\nof any instrument or document executed in connection with this loan of money or grant or\nextension of credit, must be in writing to be effective.\nNew York Residents: New York residents may contact the New York State Department of\nFinancial Services to obtain a comparative listing of credit card rates, fees, and grace periods.\nNew York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.\nNew York and Vermont residents: At any time, we may obtain your credit reports, for any\nlegitimate purpose associated with the account or the application or request for an account,\nincluding but not limited to reviewing, modifying, renewing and collecting on your account. On\nyour request, you will be informed if such a report was ordered. If so, you will be given the name\nand address of the consumer reporting agency furnishing the report.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit\nequally available to all creditworthy customers, and that credit reporting agencies maintain\nRev. 6/01/21\n11\n\n\x0cseparate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nSouth Dakota Residents: If You believe there have been any improprieties in making this loan\nor in the lender\xe2\x80\x99s loan practices. You may contact the South Dakota Division of Banking at 1601\nN. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\nUtah Borrowers: This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral\nAgreement. As required by law, You hereby notified that a negative credit report reflecting on\nYour credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of\nYour credit obligations.\nMarried Wisconsin residents: No provision of any marital property agreement, unilateral\nstatement under Section 766.59, or court decree under Section 766.70 will adversely affect the\nrights of the Credit Union unless the Credit Union is furnished a copy of the agreement,\nstatement or decree, or has actual knowledge of its terms, before the credit is granted or the\naccount is opened.\nPlease sign if you are not applying for this account or loan with your spouse. The credit being\napplied for, if granted, will be incurred in the interest of the marriage or family of the\nundersigned.\nTHE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR\nSIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR\nREPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A\nLEGAL RIGHT TO COLLECT FROM YOU.\n\nRev. 6/01/21\n12\n\n\x0c'


b"Arrowhead Visa\xc2\xae Credit Card\nAgreement and Disclosure Part 2 of 2\nImportant - Retain For Your Records\n\nEffective: September 1, 2019\n\nCARD AGREEMENT\nThis Visa Credit Card Agreement and Disclosure Part 2 of 2 (\xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with us and contains important\nterms and conditions. The Account Opening Disclosure document, labeled as Part 1 of 2, is part of this Agreement. The\nAccount Opening Disclosure shows important information about your account, such as your annual percentage rate and\ncertain fees. Any amendments to this Agreement are also part of this Agreement. Please read all parts of this Agreement\nand keep for your records.\nDEFINITIONS\nThe following definitions apply to this Agreement:\n\xe2\x80\xa2 ACCOUNT: The line of credit associated with your Arrowhead Visa Credit Card or Visa Classic Secured Credit\nCard account with us.\n\xe2\x80\xa2 ACCOUNT BALANCE: All authorized charges, plus any finance charges assessed on your account, plus any other\nfees and charges which you owe to us under the terms of this Agreement.\n\xe2\x80\xa2 AUTHORIZED USER: Any person you allow to use your account with a card we provided with that person\xe2\x80\x99s name.\n\xe2\x80\xa2 BILLING CYCLE: The period of time between each date when we create a periodic statement for your account. A\nbilling cycle is usually 28\xe2\x80\x9430 days. For each billing cycle, your statement will show any transactions, other charges,\npayments and other credits posted during that billing cycle.\n\xe2\x80\xa2 CARD: The Arrowhead Visa Credit Card issued to you (and any duplicates and renewals we may issue) used to\naccess your account to obtain credit.\n\xe2\x80\xa2 CONSUMER REPORTING AGENCY: An organization, such as Experian, Equifax and TransUnion, that compiles\ncredit information for the purpose of generating consumer credit reports. It is also known as a \xe2\x80\x9ccredit bureau\xe2\x80\x9d and\na \xe2\x80\x9ccredit reporting agency.\xe2\x80\x9d\n\xe2\x80\xa2 LATE PAYMENT: A payment is late if you do not pay at least an amount equal to the minimum monthly payment\nby the payment due date.\n\xe2\x80\xa2 RETURNED PAYMENT: A payment not honored by your financial institution.\n\xe2\x80\xa2 TRANSACTION: A purchase, balance transfer or cash advance, as applicable.\n\xe2\x80\xa2 YOU, YOUR, and YOURS: Each and all of those who apply for or use the card and/or VISA Credit Card Account.\n\xe2\x80\xa2 WE, US, and OUR: ARROWHEAD CREDIT UNION.\nMILITARY LENDING NOTICE\nFederal law provides important protections to members 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 Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account).\nCall (888) 644-2183 to hear the above disclosures and a description of your payment obligations.\nYOUR ACCOUNT\nBINDING AGREEMENT: This Agreement takes effect once you use your card. Even if you do not use your card, this\nAgreement will take effect unless you contact us to cancel your account within thirty (30) days after we sent you this\nAgreement.\nACCOUNT USE: Your account use is subject to this Agreement. All transactions are subject to our approval. You may use\nyour card to purchase goods and services in person, online, and by mail or telephone from merchants and others who\naccept Visa credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions\nor select merchants participating in the Visa program and from automated teller machines (ATMs), such as Visa ATM\nNetwork, that provide access to the Visa system. Not all merchants or ATMs provide such access. You will need to use your\npersonal identification number (PIN) to obtain a cash advance from an ATM.\n\n\x0cRESPONSIBILITY: You agree to pay all charges (purchases, balance transfers or cash advances) to your account made\nby you or anyone who you authorize to use your account, even if that person exceeds your permission. You cannot disclaim\nresponsibility by notifying us, although we will close the account if you so request. Your obligation to pay the account balance\ncontinues even though an Agreement, divorce decree, or other court judgment to which we are not a party may direct\nsomeone else to pay the account balance. The cards remain our property and you must recover and surrender to us all\ncards upon our request and/or upon termination of this account.\nJOINT ACCOUNTS: If this is a joint account, each of you will be individually and jointly responsible for paying all amounts\nowed under this Agreement. This means that we can require any one of you individually to pay the account balance. Each\nof you authorizes the other to make transactions individually. Any one of you may close the account and such closure will\nbe effective as to all of you.\nSIGNATURE REQUIREMENT: In order for your card to be valid, you must activate and sign the card as soon as received.\nCREDIT LIMIT: We assign a credit limit to your account. Part of this credit limit may be available for cash advances. You\nagree to manage your account so your account balance (including fees and charges) is not more than your credit limit.\nHowever, if your account balance exceeds your credit limit, you are still obligated to pay us. We may increase or decrease\nyour credit limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the\nprimary accountholder\xe2\x80\x99s address of record, in accordance with applicable legal requirements. If you object to any credit limit\nincrease, you must notify us immediately. You may request an increase to the credit limit orally, in writing, or electronically,\nbut any such request must be approved by us. Any request from you to reduce or suspend the credit limit must be submitted\nin writing. If your credit limit is increased, you are immediately responsible for the new credit limit and any increase in the\naccount balance even when it differs from an amount previously agreed to orally or in writing.\nCONSUMER PURPOSES: You may use your account only for personal, family or household uses; you may not use the\naccount for business purposes. If you do use your account for business purposes, this Agreement still applies and you must\npay us for those transactions. We may close your account if we learn that you are using it for business purposes.\nUNLAWFUL TRANSACTIONS: Your card or account may not be used directly or indirectly for: 1) any illegal activity or\ntransaction; or 2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your card or\naccount for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar\ntransaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any\nelectronic commerce transaction conducted over an open network, and any betting transaction including the purchase of\nlottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or\ntransaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use\nyour card or account directly or indirectly in an unlawful manner you understand that your account may be declared in\ndefault and that we may exercise any rights available to us, including, but not limited to, accelerating your account balance\nand demanding immediate payment.\nMOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your card (such\nas through a mobile wallet). This means they can be used to make purchases or other transactions. Any such transactions\nare covered by this Agreement. Apps that use your card to make transactions may have separate terms of use. We are not\nresponsible if you violate those terms, or for any consequences resulting from any violation.\nAGREEMENT AND BENEFIT CHANGES\nCHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any cycle of time. We may\nchange this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and\nfees that apply to your account. It also means we can add, remove, replace or modify provisions of this Agreement. If\nrequired by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you\nand tell you how to reject. If we notify you of a change, we may do so on your periodic statement or send you a separate\nwritten notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us\nelectronically. Except as prohibited by law, any change in terms will apply to your existing account balance as well as to\nfuture transactions. We may change the terms of this Agreement based on information in your credit report, market\nconditions, and business strategy or for any other reason.\nCHANGES TO BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for\nany reason. Separate terms and conditions will describe any exceptions.\n\n2\n\n09/2019\n\n\x0cANNUAL PERCENTAGE RATES AND INTEREST CHARGES\nVISA VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your\naccount. Your variable APR information is shown in Part 1 including any promotional or introductory APR that may apply\nwhen your account is opened. We use annual percentage rates (APRs) to calculate interest charges on your account. Our\nVISA program is a variable rate program, which means that your APR may increase or decrease each billing cycle while\nyou maintain your account with us.\nThe standard variable APR is subject to change each billing cycle based on an increase or decrease in the Prime Rate\n(Index). The Prime Rate (Index) is the highest Prime Rate (Index) published in The Wall Street Journal. In the event that\nthe Prime Rate (Index) ceases to be published, changes in your APR will be provided to you on your periodic statement or\nthrough a separate notice. We calculate your APR for transactions by adding an amount, which we call the margin, to the\nPrime Rate (Index) in effect the last day of the billing cycle. You can find the margin, your initial Prime Rate (Index), daily\nperiodic rate and corresponding APR we use for your account in the Account Opening Disclosure.\nYour APR will increase if the Prime Rate (Index) increases and decrease if the Prime Rate (Index) decreases. If your APR\nincreases, then your interest charges and minimum payment due may increase. If the Prime Rate (Index) changes, we will\napply the new variable APR starting from the first day of the billing cycle on your periodic statement when we take the Prime\nRate (Index) from The Wall Street Journal. The new APR will apply to existing balances and balances added to your account\nafter the change.\nThere is no minimum or maximum APR that can apply during the term of this Agreement. There are no annual (or other)\nlimitations on changes to the APR during the term of this Agreement. Purchases, balance transfers and cash advances are\nall subject to the same APR. The daily periodic rate is determined by dividing the APR by 365 and will change when the\nAPR changes.\nPROMOTIONAL OR INTRODUCTORY RATE APR: From time to time and at our discretion, we may offer you a promotional\nAPR for all or any part of your account balance, balance transfer or future transactions. The period of time for which the\npromotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period\nof time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the\noffer and this Agreement.\nPENALTY ANNUAL PERCENTAGE RATE: If you have a late or returned payment that causes your account to be sixty\n(60) days past due, we may apply a penalty APR to your account. If you have an introductory or promotional APR at the\ntime your account is sixty (60) days past due, your introductory or promotional APR will be terminated and your penalty APR\nwill apply. We determine your penalty APR based on your creditworthiness. We will provide you notice of such penalty APR\nprior to the effective date of the penalty APR.\nThe penalty APR will apply to all outstanding balances and future transactions that occur more than fourteen (14) days after\nwe provide you notice of the penalty APR increase. The penalty APR will continue to apply until you make six (6) consecutive\nminimum monthly payments when due beginning with the first (1st) payment due after the effective date of the increase.\nAfter you make six (6) consecutive minimum monthly payments the penalty APR will no longer apply to those balances. If\nyou do not make six (6) consecutive minimum payments on or before the payment due date, we may keep the penalty APR\non your account indefinitely.\nINTEREST CHARGES: Interest charges will be imposed on transactions only if you elect not to pay the entire account\nbalance shown on your periodic statement for the previous billing cycle by the payment due date shown from the closing\ndate of that statement. If you elect not to pay the entire account balance shown on your periodic statement by the payment\ndue date, interest charges will be imposed on the unpaid average daily balance of transactions from the previous statement\nclosing date and on the new transactions from the date of posting to your account during the current billing cycle, and will\ncontinue to accrue until the closing date of the billing cycle preceding the date on which the entire account balance is paid\nin full\nWe calculate interest on your account each billing cycle by applying the daily periodic rate to the average daily balance\n(including new transactions). The following explains how we do this. To get the average daily balance of purchase\ntransactions:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe take the beginning balance of your account each day and add any new transactions, fees and other charges.\nWe subtract any credits or payments credited as of that day and any unpaid interest or other finance charges.\n\n3\n\n09/2019\n\n\x0cThis gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number\nof days in the billing cycle. This gives us the average daily balance. Your balances, and their corresponding APRs, are\nshown on your periodic statement.\nGRACE PERIOD: You will not pay any interest on transactions if you pay the account balance in full by the payment due\ndate shown on your periodic statement each billing cycle. We call this a grace period. Generally you will have at least a\ntwenty-one (21) day grace period from the close of each billing cycle to pay the account balance without incurring additional\ninterest charges provided that either: 1) we received payment in full of the ending balance for the previous billing cycle by\nthe payment due date disclosed in the periodic statement for the previous billing cycle; or 2) the ending balance of the\nprevious billing cycle was $0. If you have a grace period to pay the account balance for any billing cycle, and do not pay the\naccount balance in full during this grace period, interest charges will be assessed on any portion of the account balance not\npaid during the grace period using the average daily balance method as explained above. The payment due date disclosed\non each periodic statement provided to you is the last day of your grace period for that statement\xe2\x80\x99s billing cycle.\nFEES\nThe following fees will be added to your account, as applicable:\nFee\n\nAmount\n\nAbout the Fee\n\nAnnual Cardholder Fee\n\nNone\n\nBalance Transfer Fee\n\nNone\n\nCash Advance Fee\n\nNone\n\nForeign Transaction\nFee\n\n1% of each transaction in U.S. dollars\n(transactions made in foreign currency) or\n0.8% of each transaction in U.S. dollars\n(transactions made in foreign currency,\nbilled in U.S. dollars)\n\nSee section entitled \xe2\x80\x9cForeign Transactions\xe2\x80\x9d\nbelow for additional details.\n\nLate Payment Fee\n\nUp to $15\n\nWe have the right to charge you a late\npayment fee of $15 if you do not pay at least\nan amount equal to the minimum monthly\npayment within fifteen (15) days after the\ndate the payment is due. The amount of the\nlate payment fee will never be higher than\nyour minimum monthly payment.\n\nOver-the-Limit Fee\n\nNone\n\nReturned Payment Fee\n\nNone\n\nFOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your\naccount in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for\ninternational transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate\nbetween the transaction currency and the billing currency used for processing international transactions will be: 1) a rate\nselected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate Visa itself receives; or 2) the government-mandated rate in effect for the applicable central\nprocessing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your\ncard. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are\nresponsible for the difference. For purchases, cash advances, and ATM and non-ATM cash transactions, we will charge a\nforeign transaction fee in an amount equal to one percent (1%) of the amount of the purchase, cash advance or credit, if\nthe transaction requires a currency conversion, or 0.8% of the amount of the purchase, cash advance or credit, if the\ntransaction is made in a foreign currency but billed in U.S. dollars. The above fees for the billing cycle will be shown on your\nperiodic statement.\nPAYMENTS\nMINIMUM PAYMENT: Every month, you must pay at least the minimum payment due by the payment due date shown on\nyour periodic statement. The minimum payment due will be 3.00% your account balance, but not less than $25.00; or your\naccount balance if it is less than $25.00. In addition, you must pay any amount past due, plus any amount over the credit\nlimit.\n4\n\n09/2019\n\n\x0cAPPLICATION OF PAYMENTS: We decide how to apply your payments, to the balances on your account. We may apply\nthe minimum monthly payment amount first to interest charges, then to the balance with the highest APR and then to\nbalances with lowest APRs.\nPAYMENT INSTRUCTIONS: You must follow the instructions below when making a payment. If you do, we will credit the\npayment to your account as of the day we receive it.\n\xe2\x80\xa2 Payments should be sent to Arrowhead Credit Union, Attention: Item Processing, PO Box 4100, Rancho\nCucamonga, CA 91729-9998.\n\xe2\x80\xa2 We must receive your payment on or before the payment due date in order for your account to be credited by the\npayment due date.\n\xe2\x80\xa2 You must pay in U.S. dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a financial institution in the United States (do not mail cash)\n\xe2\x80\xa2 You must not send us a check dated after the date that we receive it.\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\xe2\x80\xa2 You must not include any restrictive endorsements on the check.\n\xe2\x80\xa2 You must follow the additional payment instructions shown on your periodic statement.\nIf you do not pay in U.S. dollars and we accept your payment, we will select the currency conversion rate, and you must\npay our costs. If you do not follow our payment instructions, we may not accept your payment, or there may be a delay in\ncrediting your account. Either may result in late fees and additional interest charges to your account. If you do not follow the\npayment instructions in this Agreement or on your periodic statement, we may accept your payment without losing our\nrights.\nPREPAYMENT OR IRREGULAR PAYMENTS: You are required to pay the minimum payment due, however you have the\nright to pay your account balance at any time without penalty. You will only be charged interest charges to the date you pay\nyour entire account balance. You may make larger payments without penalty and this may reduce the total amount of\ninterest charges that you will pay. If you pay more than the minimum payment due in any month and there is still a balance\ndue, you must continue to make minimum payments in future months. Any partial payment of your account balance will not\nadvance your next payment due date(s). You understand and agree that any payment that (a) delays or (b) accelerates the\nrepayment of your account balance will (a) increase or (b) decrease your daily periodic interest charge.\nPAYMENTS BY AUTOMATIC TRANSFER: By separate Agreement, you may authorize us to automatically transfer the\nminimum payment due from your Credit Union savings or checking account. If you request payment by automatic transfer,\nyou understand and agree that no payment can or will be made if there are insufficient or uncollected funds in the designated\nsavings or checking account to make the scheduled payment. Should this event occur, you understand and agree that you\nwill not be released from making the payment. Any automatic transfer you have requested will remain in effect until you\ncancel it in writing or the account balance is paid in full. To stop a payment by automatic transfer, you may send us a letter\nrequesting that the payment be stopped. Your letter must be received by Arrowhead Credit Union, PO Box 4100, Rancho\nCucamonga, CA 91729-9998 at least three (3) business days before the automatic payment is scheduled to occur. We\nmay cancel this service at our discretion.\nRECURRING PAYMENTS: The use of your account to make preauthorized electronic recurring bill payments constitutes\nan \xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the Federal Electronic Fund Transfer Act and Regulation E. You may be able to\nplace a stop payment on a preauthorized electronic recurring bill payment in accordance with the terms of our Member\nAccount Agreement and Disclosure with you. Any such stop payment order is subject to a stop payment fee for each stop\npayment order you give. A stop payment/revocation order does not release you from the obligation to pay for goods and\nservices purchased from merchants.\nCREDIT REPORTING\nCREDIT REPORTING: In connection with our issuance of a card to you, we are allowed to obtain information about you.\nWe get it from consumer reporting agencies and other sources that provide consumer financial information. We are allowed\nto use the information for:\n\xe2\x80\xa2 Renewal of your account;\n\xe2\x80\xa2 Credit limit increases or decreases;\n\xe2\x80\xa2 Administration or review of your account, collection and any other servicing;\n\xe2\x80\xa2 All other credit-related purposes connected with this Agreement;\n\xe2\x80\xa2 Offers for other cards, insurance products and other services; and\n\xe2\x80\xa2 Other uses permitted by law.\n\n5\n\n09/2019\n\n\x0cWe report account information in your name, as well as information about you to consumer reporting agencies, on a monthly\nbasis. The information we provide may appear on your credit reports. This can include information about:\n\xe2\x80\xa2 Late payments;\n\xe2\x80\xa2 Returned payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nIf you think we have given incorrect information to a consumer reporting agency about you (or about an authorized user),\ncontact us at (800) 743-7228 and we will research it. We will let you know if we agree or disagree with you. If we agree with\nyou, we will contact each consumer reporting agency\nACCOUNT INFORMATION, PRIVACY, AND COMMUNICATIONS\nACCURACY OF AND CHANGES TO ACCOUNT INFORMATION: You represent and warrant that the information provided\nin your credit application is accurate, and you agree to notify us in writing immediately if this information changes. If you do\nnot, or if we ask you to verify your account information and you cannot, we may suspend or close your account.\nINFORMATION SHARING: You understand and agree that we may share information about you and your account as\npermitted by applicable law. This includes information we obtain from you and others. Our privacy notice, which is enclosed\nwith your new membership materials, describes reasons the Credit Union can share its members\xe2\x80\x99 personal information.\nCONTACTING YOU: You agree that we (and/or our authorized agents) may contact you at any phone number, email\naddress or mailing address you provide. This includes communications to mobile, cellular/wireless, or similar devices. We\nmay contact you by live operator, auto-dialer, prerecorded or artificial voice, text or email. You agree to pay any charges\nfrom your plan provider for communications we send to you, as well as communications you send to us.\nCALL MONITORING: We may listen to and record telephone calls between you and us for the purpose of improving the\nquality of service you receive.\nNOTICES: We send any notices to your billing address, or, if you have agreed to receive notices from us in an electronic\nformat, we will send notices to you in an electronic form. We consider a notice sent as soon as we mail it. We consider an\nelectronic notice sent as soon as we email it, unless we receive notification that the email was undeliverable.\nAUTHORIZED USERS\nACCOUNT USE BY AUTHORIZED USERS: You may request to add one or more authorized users to your account. If we\napprove your request, use of your account by an authorized user is subject to the terms of this Agreement. You must:\n\xe2\x80\xa2 Obtain permission from each authorized user before naming him or her as an authorized user on your account.\n\xe2\x80\xa2 Make a copy of this Agreement available to each authorized user.\n\xe2\x80\xa2 Pay us for all charges incurred by each authorized user.\n\xe2\x80\xa2 Notify us to remove an authorized user from your account. If we remove an authorized user, we may close your\naccount, open a new account, and issue you a new card. We may limit the number of authorized users on your\naccount.\nYou are responsible for:\n\xe2\x80\xa2 Any transactions made by an authorized user on your account.\n\xe2\x80\xa2 Any transaction made by an authorized user even if the postdate shown on your periodic statement for that\ntransaction occurs after the date you ask us to remove the authorized user from your account.\n\xe2\x80\xa2 Any transactions made by others if an authorized user allows them to use your account.\n\xe2\x80\xa2 Fees and charges resulting from any transactions made by an authorized user or others if an authorized user allows\nthem to use your account.\nACCOUNT INFORMATION RIGHTS FOR AUTHORIZED USERS: An authorized user cannot add other authorized users,\nadjust the credit limit or close the account.\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us certain personal information about each authorized\nuser. You must let each one know that you will give us that information and you must have his or her permission to do so.\nYou must have permission from each one to allow us to share information about him or her as permitted by applicable law.\nThis includes information we may obtain from you, any authorized user and others. It also includes information about their\ntransactions on the account.\n6\n\n09/2019\n\n\x0cDEFAULT, CLOSING OR SUSPENDING THE ACCOUNT\nDEFAULT: You will be in default if:\n\xe2\x80\xa2 You do not pay at least the minimum payment due or other required payment by the due date;\n\xe2\x80\xa2 You have a returned payment;\n\xe2\x80\xa2 You do not honor any of the terms of this Agreement;\n\xe2\x80\xa2 You make any false or misleading statements in any credit application or credit update;\n\xe2\x80\xa2 Your creditworthiness is impaired;\n\xe2\x80\xa2 You file for bankruptcy or some other insolvency proceeding is filed by or against you; or\n\xe2\x80\xa2 You are declared incompetent or mentally incapacitated, or you die.\nCLOSING OR SUSPENDING YOUR ACCOUNT: We may close or suspend any and all account and card privileges if any\nof the events listed above occurs, or for any reason, or for no reason. We may do this at any time, without notifying you, as\npermitted by law. We may cancel your current card and issue you a substitute card at any time. You also may close your\naccount at any time by notifying us by telephone or in writing. If we close or suspend your account, or if you close your\naccount, you understand and agree that you remain obligated to pay the entire account balance, and we have the right to\ndemand immediate payment of the entire account balance, including interest charges, transaction fees, and other finance\ncharges and late charges. You understand and agree that interest charges at the APR as permitted under this Agreement\nwill continue to accrue until you pay your entire account balance.\nCLOSING A VISA CLASSIC SECURED CREDIT CARD ACCOUNT: If your account is a secured account, you gave us a\nsecurity interest in a deposit account you maintain with us. This secures repayment of your account. If you withdraw your\nfunds from the deposit account, we will close your account. If you gave us a security interest in a deposit account, we may\nuse the deposit amount to pay any amount you owe.\nTRANSACTIONS\nREFUSAL OF THE CARD: Most transactions require approval of funds, which result in placing a hold against the credit\nlimit. We do not guarantee approval of transactions. We are not liable for those that are not approved, even if you have\nenough available credit on your account. If we detect unusual or suspicious activity, we may suspend your credit privileges.\nWe may also limit the number of transactions approved per day. We may, although we are not required to, approve\ntransactions above your available credit limit.\nMERCHANT FEES: Some merchants, including merchants outside the U.S., may charge you a fee to use your card for a\npurchase. The fee will be either a percentage of the amount of your purchase or a flat fee, and will be added to the amount\nof your purchase. Usually, a merchant will tell you about this fee before you use your card, but not always. We do not control\nthese fees and we cannot prevent them.\nRETURNS AND ADJUSTMENTS: A merchant refund to your account will post to your account as a credit. We do not\ncontrol when a merchant sends an account credit. We will choose how to apply the credit to your existing account balance.\nIf a credit fails to post to your account, you may request our help in having the credit applied to your account by sending us\na copy of the credit receipt issued by the merchant. You have the sole responsibility to obtain written proof of credit and to\nretain copies of credit receipts until the credit is properly applied to your account. If your credits and payments exceed what\nyou owe us, we will hold and apply this credit balance against future transactions, or if it is $1.00 or more, refund it on your\nwritten request or automatically after six (6) months.\nRECURRING AUTHORIZED TRANSACTIONS: If you authorize a merchant or any other person to charge your account\nfor recurring transactions, you must notify the merchant if:\n\xe2\x80\xa2 You want to discontinue these transactions;\n\xe2\x80\xa2 Your account is closed;\n\xe2\x80\xa2 Your account number changes;\n\xe2\x80\xa2 Your card expiration date changes.\nYou are responsible for reinstating any recurring authorized transactions.\nTERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS\nCHECK USES: Convenience checks (including balance transfer checks) are checks that the Credit Union may send you to\naccess your account. The following terms will apply to the use of those checks unless otherwise disclosed with the checks.\nYou can use your convenience checks to purchase goods and services, to obtain cash up to the amount of your credit limit,\nor to conduct balance transfers up to the amount of your credit limit. Use of convenience checks to purchase goods and\nservices or to obtain cash up to the amount of your credit limit is considered a cash advance on your account. The Credit\n7\n\n09/2019\n\n\x0cUnion will charge interest beginning as of the date the Credit Union receives the convenience check. You cannot avoid\npaying interest on convenience check transactions. Any special rules applicable to credit card purchases described in this\nAgreement or any other features pertaining to card purchases do not apply to convenience checks.\nLIMITATIONS: We are not required to honor a convenience check that will cause you to exceed your credit limit. We will\nnot pay a convenience check if at the time that it is presented:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou are in default or we have suspended, terminated, or canceled your account;\nThe convenience check is not in the form we have issued to you;\nYour signature or the payee\xe2\x80\x99s name or endorsement is missing on the convenience check or the convenience check\nappears altered; or\nYour convenience check is post-dated.\n\nConvenience checks may be used only by the person(s) whose name(s) is/are printed on the check. You are responsible\nfor all authorized use of convenience checks. You may not use convenience checks to make a payment on any other\nobligation you have with the Credit Union, including paying any amount that you owe us pursuant to this Agreement. Certain\nmerchants may inform you of their intent to convert your convenience check payment to an electronic ACH debit. For mailed\npayments, this notification will be provided at the time you receive a bill. For payments made in person, this notification will\nbe provided at the time payment is made. You understand and agree that convenience checks are ineligible for conversion\nto an ACH debit and if presented by a merchant to us for payment, we are required to reject and return the entry. Using\nconvenience checks for payments to merchants who have notified you of their intent to convert your check to an ACH debit\nmay result in merchant returned item fees and/or late charges. You further understand and agree that you may not attempt\nto authorize a one-time advance from your account via ACH by providing check information (such as the routing, account,\nand serial numbers) to a merchant or other payee in person, via the Internet or by telephone for the purpose of having such\nmerchant or other payee electronically initiate a funds transfer. The Credit Union will not be liable for any fees you incur as\na result of the Credit Union\xe2\x80\x99s failure to honor a convenience check that is converted to an ACH debit.\nPERIODIC STATEMENTS: Your periodic statement will show you an itemization of the convenience checks posted to your\naccount during the billing cycle. Convenience checks paid by the Credit Union will not be returned to you with your periodic\nstatement.\nRETURNED CONVENIENCE CHECK: The Credit Union may decline to honor such convenience checks if, for example:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe amount of the convenience check would cause you to exceed your cash advance credit limit;\nIf you are in default;\nIf you did not comply with the instructions included with the convenience check;\nIf the convenience check appears altered or is missing information;\nThe convenience check was used by someone other than the person to whom the convenience check was sent;\nThe card has expired or was revoked;\nYour account is closed or suspended; or\nThe convenience check was converted to an ACH transaction.\n\nSTOP PAYMENT: You may stop payment on a convenience check by notifying us in writing at the address shown on your\nmonthly statement or by calling us at (800) 743-7228. If you call, you must confirm the request in writing within fourteen (14)\ndays. A written stop payment order will remain in effect for six (6) months and then it will lapse unless renewed in writing.\nSURRENDER OF CONVENIENCE CHECKS: Convenience checks are the Credit Union\xe2\x80\x99s property; the Credit Union\nreserves the right to revoke them at any time. You agree to return them at the Credit Union\xe2\x80\x99s request\nMISCELLANEOUS\nMONTHLY FICO\xc2\xae SCORE: You understand and agree that one of the features of this account is that your FICO\xc2\xae Score will\nbe included on every periodic statement, and will be updated on a monthly basis. If you do not want to receive your FICO\xc2\xae\nScore, notify us by calling (800) 743-7228, visit any branch or submit a Secured Message through Online Banking at\nwww.arrowheadcu.org.\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe your card,\naccount number, PIN, or any combination of the three has been lost or stolen by calling us at (800) 743-7228 or submit a\nSecured Message through Online Banking at www.arrowheadcu.org. For 24-hour card service, call (866) 212-4333.\nTelephoning is the best way of keeping your possible losses down. You understand that your total liability to us will not\nexceed $50.00 for any account and/or card transactions resulting from the loss, theft, or other unauthorized use of the\naccount and/or card that occurs prior to the time you give notice to us.\n8\n\n09/2019\n\n\x0cLIMITATION OF LIABILITY FOR VISA TRANSACTIONS: If there is an unauthorized use of your Visa card or a Plus\nnetwork or Interlink transaction, and the transaction takes place on the Visa network, then your liability will be zero ($0.00).\nThis provision limiting your liability does not apply to Visa Business card transactions, ATM cash disbursements processed\non non-Visa or non-Plus networks, or non-Visa PIN-less debit transactions. Additionally, your liability with respect to\nunauthorized transactions may be greater than the above zero ($0.00) liability limit, to the extent allowed under applicable\nlaw, if we reasonably determine you were negligent or fraudulent in the handling of your account or card.\nVISA CLASSIC SECURED CREDIT CARD: If you have signed a separate Share Pledge Agreement for Visa Classic\nSecured Credit Card, you understand and agree that you are pledging funds now on deposit in a deposit account you have\nwith us. You understand that you must, at all times, keep a sum equal to your credit limit on deposit in the designated deposit\naccount identified on the Share Pledge Agreement for Visa Classic Secured Credit Card until you pay your entire account\nbalance and the account is closed. You understand and agree that this security interest will cover future transactions under\nthis Agreement. If you default, we may apply the pledged funds to pay your account balance in accordance with federal or\nother law. You understand that the APR applicable to your account applies only to the credit limit amount. The enclosed\nShare Pledge Agreement for Visa Classic Secured Credit Card must be executed in connection with the issuance of a Visa\nCredit Card.\nINACTIVE ACCOUNT: If your account does not have any activity for twelve (12) consecutive months, it will be considered\nan inactive account and your ability to take advances against your credit limit may be suspended. If your account is inactive\nfor eighteen (18) consecutive months, we may close it without notice.\nPERIODIC STATEMENTS: Your card or other account activity will be reflected on your monthly periodic statement. We will\nsend you a statement for each billing cycle in which transaction activity has occurred on your account. Your statement will\nidentify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advance,\ncredit, or other receipts cannot be returned with the statement. You agree to retain the copy of such receipts furnished at\nthe time of the transaction in order to reconcile your statement. If you request a copy of any sales draft or similar document,\na document fee may be imposed by us. This fee will not be imposed, however, if it was requested in connection with a billing\nerror. Statements will be mailed or delivered electronically if you have agreed to receive notices from us in an electronic\nformat only to the address of the person named first on the account.\nOVERDRAFT AUTHORIZATION: By having an account, you can enroll into our overdraft protection plan. What that means\nis we may clear any overdrafts from your Credit Union checking account by an advance from your account in $100\nincrements to include applicable overdraft fees, subject to the terms of this Agreement. If there are not sufficient funds\navailable for overdraft protection, your items may be returned unpaid. Your account must be current and not over the credit\nlimit for funds to transfer to your checking account.\nASSIGNING THIS AGREEMENT: We may sell, transfer or assign this Agreement and your account to a third party. We\nmay do so at any time without notifying you. You may not sell, assign or transfer your account or any of your obligations\nunder this Agreement.\nENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them\nor fail to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement\nwill remain in effect.\nCOLLECTION COSTS: To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your\naccount to an attorney who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees, as well as\ncosts and expenses of any legal action.\nUNFORSEEN CIRCUMSTANCES: From time to time, our services might be unavailable due to circumstances beyond our\ncontrol, such as fires, floods, natural disasters, system failures or other unpredictable events. When this happens, you may\nnot be able to use your card or obtain information about your account. We are not responsible or liable if this happens.\nGOVERNING LAW: You understand and agree that this Agreement will be governed by the laws of the State of California\nto the extent that California law is not inconsistent with controlling federal law. You also understand and agree that\nCalifornia's choice of law rules shall not be applied if they would result in the application of non-California law.\nMEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain a member in good standing with\nus to be eligible for continuing account and/or card privileges including future transactions. You understand and agree that\nwe may suspend or close the account and/or card privileges during any period in which you do not maintain your\nmembership with us.\nFINAL EXPRESSION: This Agreement is the final expression of the terms and conditions of your account. This Agreement\nmay not be contradicted by evidence of any alleged oral Agreement.\nCOPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms.\nNOTICE: See the statement below for important information regarding your right to dispute billing errors.\n9\n\n09/2019\n\n\x0cYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Arrowhead Credit Union, PO Box 4100, Rancho Cucamonga, CA 917299998\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin sixty (60) days after the error appeared on your statement.\nAt least three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think\nis wrong.\n\nYou must notify us of any potential errors in writing. You may call us; but if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\nWithin thirty (30) days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2.\nWithin ninety (90) days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name\nof anyone to whom we reported you as delinquent; and we must let those organizations know when the matter has been settled between\nus. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, you need to contact us in writing at: Arrowhead Credit\nUnion, PO Box 4100, Rancho Cucamonga, CA 91729-9998. While we investigate, the same rules apply to the disputed amount as\ndiscussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\n10\n\n09/2019\n\n\x0c"


b'Arrowhead Visa\xc2\xae Credit Card and\nVisa\xc2\xae Classic Secured Credit Card\nImportant Disclosure Information\n\nEffective: April 1, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases 1\nAPR for Balance Transfers 1\nAPR for Cash Advances 1\nPenalty APR 2 and\nWhen it Applies\n\nArrowhead Visa 9.99% to 24.99% when you open your account, based\non your creditworthiness. After that, your APR will be a variable rate that varies\nwith the market based on the Prime Rate1.\nVisa Classic Secured 17.99% This APR is a variable rate that varies with\nthe market based on the Prime Rate1\nArrowhead Visa 16.99% to 31.99% when you open your account, based on your\ncreditworthiness. After that, your APR will be a variable rate that varies with the\nmarket based on the Prime Rate2.\nVisa Classic Secured 24.99% This APR is a variable rate that varies with the\nmarket based on the Prime Rate2.\nThis APR may be applied to your account if you:\n1) Make a late payment that is sixty (60) days past due; or\n2) Make a payment that is returned causing your account to be past due.\nHow Long Will the Penalty APR Apply? If your APRs are increased for any of\nthese reasons, the Penalty APR will apply until you make six (6) consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not\ncharge you interest on purchases, balance transfers and cash advances if you\npay your entire balance by the due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transaction\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Over-the-Credit Limit\n\xef\x82\xb7 Returned Payment\n\nNone\nNone\nNone\n1% of each transaction in U.S. Dollars (transactions made in foreign currency)\n0.8% of each transaction in U.S. Dollars (transactions made in foreign currency,\nbilled in U.S. Dollars)\nUp to $15\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card\nAgreement.\n1.\n\nThe Prime Rate (Index) used to determine the APR is 3.25%. We will add a Margin based on your credit score to determine your\nAPR and corresponding Daily Periodic Rate.\n\n2.\n\nThe Prime Rate (Index) used to determine the Penalty APR is 3.25%. We will add a Margin based on your credit score to determine\nyour Penalty APR and corresponding Daily Periodic Rate.\n\nRevised 4/2020\n\n\x0c'