b"CREDIT CARD\nAPPLICATION\nThere are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this\napplication or by calling us toll-free or collect at\nor writing to us at the address stated on this application.\n(877) 336-7810\nCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.\nIndividual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if\n1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)\n2. your spouse will use the account, or\n3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate\nmaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.\nJoint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant\nbox.\nCredit Card Account:\nIndividual\nJoint\nIf this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):\nApplicant\n\nDate\n\nCo-Applicant\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nIf Authorized User, Name:\n\nCredit Limit Requested $\n\nGuarantors Complete OTHER section below.\n\nAPPLICANT\n\nOTHER\n\nNAME (Last - First - Initial)\n\nNAME (Last - First - Initial)\n\nCO-APPLICANT\n\nSPOUSE\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nBIRTH DATE\n\nEMAIL ADDRESS\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\nAGES OF DEPENDENTS\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\nAGES OF DEPENDENTS\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER/STATE\n\nOWN\n\nRENT\n\nPRESENT ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nLENGTH AT RESIDENCE\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nRENT\n\nPREVIOUS ADDRESS (Street \xe2\x80\x93 City \xe2\x80\x93 State \xe2\x80\x93 Zip)\n\nOWN\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nSEPARATED\n\nEMPLOYMENT/INCOME\nEMPLOYMENT STATUS\n\nRENT\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nMORTGAGE BALANCE\n\nMARRIED\n\nRENT\n\nLENGTH AT RESIDENCE\n\nLENGTH AT RESIDENCE\nMORTGAGE/RENT OWED TO\n\nOTHER\n\nGUARANTOR\n\nFULL TIME\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nMARRIED\n\nSEPARATED\n\nEMPLOYMENT/INCOME\n\nSTART DATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\n\nUNMARRIED (Single - Divorced - Widowed)\n\nPART TIME\n\nINTEREST RATE\n\nEMPLOYMENT STATUS\n\nFULL TIME\n\nUNMARRIED (Single - Divorced - Widowed)\nSTART DATE\nPART TIME\n\nNAME AND ADDRESS OF EMPLOYER\n\nNAME AND ADDRESS OF EMPLOYER\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT\nBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\nEMPLOYMENT INCOME PER\n\nOTHER INCOME\n\n$\n\n$\n\n$\n\n$\n\nTITLE/GRADE\n\nSOURCE\n\nTITLE/GRADE\n\nSOURCE\n\nPER\n\nPER\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS\n\nSTARTING DATE\n\nSTARTING DATE\n\n\xc2\xa9 CUNA Mutual Group 2016 All Rights Reserved\n\nENDING DATE\n\nENDING DATE\n\n03111886-AXX00-P-1-090717 (AXX002-E)\n\n\x0cMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?\nWHERE\n\nYES\n\nNO\n\nENDING/SEPARATION DATE\n\nSTATE LAW NOTICE(S)\nNotice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any\nmisunderstandings or disappointments, any contract, promise, 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 amendment of, cancellation of, waiver of, or substitution for\nany or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must\nbe in writing to be effective.\nNotice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing\nof credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,\nand that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nNotice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under\nSection 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or\nhas actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan\nwith your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.\nSignature for Wisconsin Residents Only\n\nDate\n\nX\n\n(Seal)\n\nCONSENSUAL SECURITY INTEREST\nYou grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure\nyour credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law\nif given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares\nunless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,\nif you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.\nBy signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition\nfor the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any\nperiods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your\npledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nSecurity Interest Acknowledgement and Agreement\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nSIGNATURES\nBy signing or otherwise authenticating below:\n1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will\nnotify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any\nupdate, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this\napplication and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from\nwhich it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.\n2. You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card\nAgreement and Disclosure.\nApplicant\xe2\x80\x99s Signature\n\nDate\n\nOther Signature\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\nCREDIT UNION USE ONLY\nDATE\n\nAPPROVED\nDECLINED\n\nNUMBER OF CARDS\n\nCREDIT LIMIT\n\nCREDIT CARD NUMBER\n\n$\n\nSignatures\n\nDate\n\nDate\n\nX\n\n(Seal)\n\nX\n\n(Seal)\n\n03111886-AXX00-P-1-090717 (AXX002-E)\n\n\x0c"


b'F1\nVISA PLATINUM/VISA SECURED/VISA PLATINUM REWARDS\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\nF2\n8.90%\n\nto F3\n18.00%\n\nwhen you open your account, based\n\non your creditworthiness.\nVisa Secured\n\nF4\n8.90%\nVisa Platinum Rewards\n\nF5\n9.90%\n\nAPR for Balance Transfers\n\nto F6\n17.90%\n\nwhen you open your account, based\n\non your creditworthiness.\nVisa Platinum\n\nF7\n8.90% to F8\n18.00% when you open your account, based on your\ncreditworthiness.\nVisa Secured\nF9\n8.90%\nVisa Platinum Rewards\n\nAPR for Cash Advances\n\nF10\n9.90% to F11\n17.90% when you open your account, based on your\ncreditworthiness.\nVisa Platinum\nF12\nto F13\n8.90%\n18.00% when you open your account, based on your\ncreditworthiness.\nVisa Secured\nF14\n8.90%\nVisa Platinum Rewards\n\nHow to Avoid Paying Interest on Purchases\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF15\n9.90% to F16\n17.90% when you open your account, based on your\ncreditworthiness.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nF17\nNONE\nF18\nNONE\nF19\n$10.00\nF20\nNONE\nDNCHE4 (MXC402 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $25.00\nF21\nF22\nNONE\nUp to F23\n$20.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of F24\nJULY 1, 2015\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nLost or Stolen Card Replacement Fee\nVisa Receipt Copy Fee\n\nF25\n$25.00 or the amount of the required minimum payment, whichever\nis less, if you are five (5) or more days late in making a payment.\nF26\nor the amount of the required minimum payment, whichever\n$20.00\nis less.\nF27\n$20.00\nF28\n$25.00\n\nDNCHE4 (MXC402 CCM00)-e\n\n\x0c'


b'Southwest Airlines Federal Credit Union\nwww.swacu.org\nDALLAS\n2430 Shorecrest\nDallas, TX 75235\n800.262.5325\n\nHOUSTON\n8441 Gulf Frwy., Suite 103\nHouston, TX 77017\n800.262.5325\n\nPHOENIX\n2330 E. Jones Ave, Suite 6\nPhoenix, AZ 85040\n800.262.5325\n\nEULESS\n801 W. Euless Blvd, Suite 104\nEuless, TX 76040\n800.262.5325\n\nCREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, SECURED\nVISA PLATINUM, VISA REWARDS AND VISA SIGNATURE AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM, SECURED VISA\nPLATINUM, VISA REWARDS AND VISA SIGNATURE CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT\nCAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nVISA Platinum:\n\n________% Introductory APR for ______ months\n\nAfter that Your APR will be\nbased on the Prime Rate.\nSecured VISA Platinum:\n\n________% Introductory APR for ______ months\n\nAfter that Your APR will be\nbased on the Prime Rate.\nVISA Rewards:\n\n________%. This APR will vary with the market\n\n________% Introductory APR for ______ months\n\nAfter that Your APR will be\nbased on the Prime Rate.\nVISA Signature:\n\n________%. This APR will vary with the market\n\n________% Introductory APR for ______ months\n\nAfter that Your APR will be\nbased on the Prime Rate.\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n________%. This APR will vary with the market\n\n________%. This APR will vary with the market\n\nVISA Platinum: ________% Introductory APR for ______ months\nAfter that Your APR will be ________%. This APR will vary with the market based\non the Prime Rate.\nVISA Rewards: ________% Introductory APR for ______ months\nAfter that Your APR will be ________%. This APR will vary with the market based\non the Prime Rate.\nVISA Signature: ________% Introductory APR for ______ months\nAfter that Your APR will be ________%. This APR will vary with the market based\non the Prime Rate.\n\nSEE PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 1 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0cInterest Rate and Interest Charges (continued)\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nVISA Platinum: _________%\nThis APR will vary with the market based on the Prime Rate.\nSecured VISA Platinum: _________%\nThis APR will vary with the market based on the Prime Rate.\nVISA Rewards: _________%\nThis APR will vary with the market based on the Prime Rate.\nVISA Signature: _________%\nThis APR will vary with the market based on the Prime Rate.\nLine of Credit: _________%\nOverdraft Protection: _________%\n\nPaying Interest\n\nFor VISA, We will not charge You interest on purchases if You pay Your entire balance\nowed each month within 25 days of Your statement closing date. We will begin charging\ninterest on cash advances and balance transfers on the transaction date.\nFor all other Feature Categories, We will begin charging interest on the transaction date.\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\nCard, visit the website of the Consumer Financial Protection Bureau at\nhttp:www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7 Cash Advance Fee\n\xef\x82\xb7 Balance Transfer Fee\n\xef\x82\xb7 Foreign Transaction Fee\n\nFor VISA, 2.00% of each advance ($10.00 minimum)\nFor VISA, 2.99% of each balance transfer\nFor VISA (except VISA Signature), 2.00% of each transaction in U.S. Dollars.\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nFor VISA, up to $30.00\nFor VISA, up to $38.00\nFor all other Feature Categories, 20.00% of the payment due ($0.05 minimum)\n\nHow We Will Calculate Your Balance: For Line of Credit and Overdraft Protection, We use a method called "daily balance." For\nVISA, We use a method called "average daily balance (including new purchases)." See Your Account Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nSEE PAGE 1 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 2 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0cIn this Agreement, the reference to "We," "Us," "Our," "Credit Union," and "Creditor" mean SOUTHWEST AIRLINES FEDERAL CREDIT UNION. The words "You," "Your," and\n"Debtor" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA\nPlatinum, Secured VISA Platinum, VISA Rewards or VISA Signature Credit Card issued to You by Us and any duplicates or renewals.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance\nrequest forms, vouchers, checks, charge slips, debit cards, Credit Cards, wire transfers, direct transfers, and/or wire transfers to specific payees identified by You, direct\ntransfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts\ncharged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges\nand other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Line of Credit, Overdraft Protection, VISA Platinum, Secured VISA Platinum, VISA Rewards\nand VISA Signature.\n\nANNUAL\nPERCENTAGE RATE\nFor Purchases\n\nIndex\n\nMargin\n\nDaily\nPeriodic Rate\nFor Purchases\n\nVISA Platinum\n\n____________\n\n____________\n\n____________\n\n____________\n\nSecured VISA Platinum\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Rewards\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Signature\n\n____________\n\n____________\n\n____________\n\n____________\nANNUAL\nPERCENTAGE RATE\nFor Balance Transfers\n\nVariable Rate\n\nFeature Category\n\nIndex\n\nMargin\n\nDaily\nPeriodic Rate\nFor Balance Transfers\n\nVISA Platinum\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Rewards\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Signature\n\n____________\n\n____________\n\n____________\n\n____________\nANNUAL\nPERCENTAGE RATE\nFor Cash Advances\n\nVariable Rate\n\nFeature Category\n\nIndex\n\nMargin\n\nDaily\nPeriodic Rate\nFor Cash Advances\n\nVISA Platinum\n\n____________\n\n____________\n\n____________\n\n____________\n\nSecured VISA Platinum\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Rewards\n\n____________\n\n____________\n\n____________\n\n____________\n\nVISA Signature\n\n____________\n\n____________\n\n____________\n\n____________\n\nLine of Credit\n\n____________\n\n____________\n\nOverdraft Protection\n\n____________\n\n____________\n\nVariable Rate\n\nFeature Category\n\nADVANCES. Whenever You request a transaction, We may require You to prove\nYour identity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit Union\naccount, or by other such means) and You authorize Us to do this, or We may draw\na draft or check made payable to You and mail it to You. When the amount advanced\nappears on a subsequent statement, that will be conclusive evidence of Your advance\nrequest unless You notify Us that You disagree with any such item appearing on Your\nperiodic statement according to the provision of this Agreement titled "Your Billing\nRights: Keep this Document for Future Use." You understand that whether or not any\nspecific secured advance request is approved may be determined by how much equity\nYou have or will have in the shares, certificates, and/or Collateral offered as security.\nAt this time, You may not obtain advances for balance transfers under Your Secured\nVISA Platinum feature category.\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We\nmay set-off any mutual indebtedness.\nYou acknowledge that You own any certificates, shares, and/or Collateral pledged as\nsecurity and that there are no other liens against them other than Ours. You agree to\nperform all acts which are necessary to make Our security interest in the certificates,\nshares, and/or Collateral being pledged enforceable.\n\nPage 3 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0cFor advances under any certificate secured Feature Category, all certificates\nwhich are pledged as Collateral must be renewed until Your outstanding Account\nbalance is paid in full. Failure to renew any certificates securing any advance wi ll\ncause Your entire outstanding Account balance to become immediately due\nand payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will secure\nall amounts You owe Us now and in the future if that status is reflected in the "Truthin-Lending Disclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,\ndebit card or ATM card, You grant and consent to a lien on Your shares with\nUs (except for IRA and Keogh accounts) and any dividends due or to\nbecome due to You from Us to the extent You owe on any unpaid Credit\nCard balance, and/or overdraft protection balance created through the use\nof Your debit card.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA\nPlatinum Feature Category, You agree to give Us a specific pledge of shares which\nwill equal Your Credit Limit. In the event that You default on Your Account, We may\napply these shares toward the repayment of any amount owed on Your Feature\nCategory. You may cancel Your Secured VISA Platinum Feature Category at any time\nby paying any amounts owed on such Feature Category. To be certain that Your entire\nbalance and all advances are paid, any shares pledged may not be available to You\nfor 30 days after You have cancelled and any outstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any such\nAccount access device(s) will be mailed only to the primary Borrower at the address\nthat We have on file for You. We may refuse to follow any instructions which run\ncounter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only\npay the Minimum Monthly Payments, You understand that You have the right to repay\nat any time without penalty. You also understand that You will only be charged periodic\nFinance Charges to the date You repay Your entire balance. You may make larger\npayments without penalty. Any partial payment or prepayment will not delay Your next\nscheduled payment. All payments to Us must be in lawful money of the United States.\nWe may apply each payment to whichever Feature Category We wish. Except as\nrequired by law, payments will be applied first to any Late Charges owing, then to the\nFinance Charge due, then to the outstanding principal balance.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your periodic\nFinance Charges.\nOverdraft Protection and Line of Credit Minimum Monthly Payments will be\nestablished at the time of each advance at an amount equal to $3.00 per $100.00 (or\nfraction thereof) of the unpaid balance of Your Account after such advance is taken,\nsubject to the lesser of $30.00 or Your balance.\nVISA Platinum, Secured VISA Platinum, VISA Rewards and VISA Signature Minimum\nPayments will be an amount equal to 2.00% of Your new unpaid VISA Platinum,\nSecured VISA Platinum, VISA Rewards or VISA Signature balance at the end of each\nbilling cycle, subject to the lesser of $30.00 or Your balance, plus any portion of the\nMinimum Payments shown on prior statement(s) which remains unpaid, plus any\namount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE (EXCEPT VISA). If Your payment is more than 7 days late, You will\nbe charged the greater of 20.00% of the payment due or $0.05.\nFINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any\nunpaid principal balance for each Feature Category of Your Account for the period\nsuch balance is outstanding. Balances change each time advances are made,\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\npayments are made, or credits given under any Feature Category. The Finance\nCharge begins to accrue on the date of each advance and there is no grace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature\nCategories (except VISA), the Finance Charge is determined by multiplying Your\nunpaid balance at the close of each day in the billing cycle being accounted for by the\napplicable Daily Periodic Rate. The unpaid balance is the balance each day after\npayments, credits, and unpaid Finance Charges to that balance have been subtracted\nand any new advances, insurance premiums, or other charges have been added to\nYour unpaid balance. These daily Finance Charges are then added together and the\nsum is the amount of the Finance Charge owed for the Feature Category being\naccounted for. The total Finance Charge You owe on Your Account for each billing\ncycle is the sum of all the Finance Charges due for all applicable Feature Categories.\nVISA FINANCE CHARGES. In the case of any transactions under Your VISA Platinum,\nSecured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance, We take the beginning balance each day, add any new\npurchases, balance transfers (except Secured VISA Platinum), cash advances,\ninsurance premiums, debit adjustments, or other charges and subtract any payments,\ncredits, and unpaid Finance Charges. This gives Us the daily balance. Then, We add\nup all the daily balances for the billing cycle and divide them by the number of days in\nthe billing cycle. The Finance Charge for a billing cycle is computed by multiplying the\naverage dally balance subject to a Finance Charge by the applicable Daily Periodic\nRate times the number of days in the billing cycle.\nFor VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature\nCategories, You can avoid Finance Charges on purchases by paying the full amount\nof the entire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the date\nthey are posted to Your Account, will be subject to a Finance Charge.\nFor VISA Platinum, VISA Rewards or VISA Signature Feature Categories, balance\ntransfers are always subject to a Finance Charge from the later of the date they are\nposted to Your Account or from the first day of the billing cycle in which the transaction\nis posted to Your Account.\nFor VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature\nCategories, cash advances are always subject to a Finance Charge from the later of\nthe date they are posted to Your Account or from the first day of the billing cycle in\nwhich the transaction is posted to Your Account.\nVISA Platinum purchase transactions are subject to a discounted Introductory Daily\nPeriodic Rate of _________% (corresponding ANNUAL PERCENTAGE RATE\n_________%) until ____________________, whereas balance transfer transactions are\nsubject to a discounted Introductory Daily Periodic Rate of ________% (corresponding\nANNUAL PERCENTAGE RATE ________%) until ________________. Upon the\nexpiration of the Introductory Rate periods, the entire balance of purchases and balance\ntransfers will be subject to the non-introductory rates disclosed elsewhere in\nthis Agreement.\nSecured VISA Platinum purchase transactions are subject to a discounted\nIntroductory Daily Periodic Rate of _________% (corresponding ANNUAL\nPERCENTAGE RATE _________%) until ____________________. Upon the\nexpiration of the Introductory Rate period, the entire balance of purchases will be\nsubject to the non-introductory rates disclosed elsewhere in this Agreement.\nVISA Rewards purchase transactions are subject to a discounted Introductory Daily\nPeriodic Rate of _________% (corresponding ANNUAL PERCENTAGE RATE\n_________%) until ___________________, whereas balance transfer transactions are\nsubject to a discounted Introductory Daily Periodic Rate of _________% (corresponding\nANNUAL PERCENTAGE RATE _________%) until ____________________. Upon\nthe expiration of the Introductory Rate periods, the entire balance of purchases and\nbalance transfers will be subject to the non-introductory rates disclosed elsewhere in\nthis Agreement.\nVISA Signature purchase transactions are subject to a discounted Introductory Daily\nPeriodic Rate of _________% (corresponding ANNUAL PERCENTAGE RATE\n_________%) until ___________________, whereas balance transfer transactions are\nsubject to a discounted Introductory Daily Periodic Rate of _________% (corresponding\nANNUAL PERCENTAGE RATE _________%) until ____________________. Upon\nthe expiration of the Introductory Rate periods, the entire balance of purchases and\nbalance transfers will be subject to the non-introductory rates disclosed elsewhere in\nthis Agreement.\nVISA VARIABLE RATE. Your VISA Platinum, Secured VISA Platinum, VISA Rewards\nand/or VISA Signature Feature Categories are subject to a variable interest rate.\nFor VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, advances\nfor purchases and balance transfers are subject to a Variable Rate which is based on\n\nPage 4 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0cthe United States Prime Rate as published in the Money Rates section of the Wall\nStreet Journal in effect on the day the discounted introductory rate expires, and\nsubsequently, on the 30th day immediately preceding each Change Date ("Index") plus\nOur Margin. The Index plus the Margin equals the Interest Rate. For balances for\npurchases and balance transfers, changes in the Index will cause changes in the\nInterest Rate on the day the introductory rate expires, and subsequently on the 1st day\nof each calendar month ("Change Date"). For VISA Platinum, VISA Rewards, and VISA\nSignature Feature Categories, balances for cash advances are subject to a Variable\nRate which is based on the United States Prime Rate as published in the Money Rates\nsection of the Wall Street Journal in effect on the 30th day immediately preceding each\nChange Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest\nRate. For cash advances, changes in the Index will cause changes in the Interest Rate\non the 1st day of each calendar month ("Change Date").\nFor Secured VISA Platinum, advances for purchases are subject to a Variable Rate\nwhich is based on the United States Prime Rate as published in the Money Rates section\nof the Wall Street Journal in effect on the day the discounted introductory rate expires,\nand subsequently, on the 30th day immediately preceding each Change Date ("Index")\nplus Our Margin. The Index plus the Margin equals the Interest Rate. For balances for\npurchases, changes in the Index will cause changes in the Interest Rate on the day the\nintroductory rate expires, and subsequently on the 1st day of each calendar month\n("Change Date"). For Secured VISA Platinum, balances for cash advances are subject\nto a Variable Rate which is based on the United States Prime Rate as published in the\nMoney Rates section of the Wall Street Journal in effect on the 30th day immediately\npreceding each Change Date ("Index") plus Our Margin. The Index plus the Margin\nequals the Interest Rate. For cash advances, changes in the Index will cause changes\nin the Interest Rate on the 1st day of each calendar month ("Change Date").\nFor all VISA Feature Categories, increases or decreases in the Interest Rate will cause\nlike increases or decreases in the Finance Charge and will affect the number of Your\nregularly scheduled payments. For all VISA Feature Categories, Your Interest Rate will\nnever be greater than 18.00% and will apply to Your remaining principal balance.\nOVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in\nsuch increments as We may from time to time determine) to Your share draft account\nby an advance on Your Overdraft Protection Feature Category, subject to this\nprovision, to clear any overdraft on Your share draft account. To the extent permitted\nby law, such transfer will also include the amount necessary to pay any fees and\ncharges that are: (a) occasioned by the returned item; and (b) the transfer of funds\nrequired to clear that item. Whether or not such transfers occur will be controlled by\nthis Agreement. In any event, You hold Us harmless for any and all liability which\nmight otherwise arise if the transfer does not occur. Overdraft protection automatically\nceases if this Agreement is ever cancelled or terminated or Your Account is in default.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each month in which there is a debit or credit\nbalance or when a Finance Charge is imposed. We need not send You a statement if\nWe feel Your Account is uncollectible or if We have started collection proceedings\nagainst You because You defaulted. EACH STATEMENT IS DEEMED TO BE A\nCORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING\nERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us;\nor (b) You should die, become involved in any insolvency, receivership, or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You\nowe money on Your Account; or (d) A judgment or tax lien should be filed against You\nor any attachment or garnishment should be issued against any of Your property or\nrights, specifically including anyone starting an action or proceeding to seize any of\nYour funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability\nto repay Your indebtedness hereunder is or soon will be impaired, time being of the\nvery essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel Your\nrights under this Agreement, require the return of all access devices and declare the\nentire balance of every Feature Category of Your Account immediately due and\npayable, without prior notice or demand. If Your entire Account balance is not then\npaid immediately upon default, and if permitted by law, the Collateral shall be\nvoluntarily surrendered to the Credit Union at a time and place acceptable to it. If this\nis not done, to the extent permitted by law, the Credit Union may enter the premises\nwhere the Collateral is located and take possession of it and the Credit Union may\nassert the defense of a superior right of possession as the holder of a security interest\nto any offense of alleged wrongful taking and conversion. The Credit Union may sell\nor dispose of the Collateral in any manner permitted by law, and any resulting\ndeficiency on Your Account shall be immediately paid to the Credit Union. You further\nagree that We may, if necessary and at Our option, improve the Collateral from the\nstate that it is in at the time of repossession to a state that is considered reasonable\nand customary for normal use of the Collateral and You agree to reimburse Us for any\nand all costs incurred in the course of such improvements.\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees, or other costs incurred in collection\nand reasonable attorneys\' fees incurred in the course of collecting any amounts owed\nunder this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any other\npayments, even if they are marked "paid in full" without losing any of Our rights under\nthis Agreement. If any provision of this or any related agreement is determined to be\nunenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or\notherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," and/or "Credit Line Account Advance\nRequest and Security Agreement" which is delivered together with this Agreement or\nat a later date becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device;\nor by authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other financial\ninformation related to You, at Our request. You also agree that We may, from time to\ntime, as We deem necessary, make inquiries pertaining to Your employment, credit\nstanding, and financial responsibility in accordance with applicable laws and\nregulations. You further agree that We may give information about the status and\npayment history of Your Account to consumer credit reporting agencies, a prospective\nemployer or insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular Feature\nCategory of Your Account, at any time, whether or not You are in default. You will, in any\ncase, remain liable to pay any unpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Texas, except to the extent that such laws are inconsistent with controlling\nfederal law.\nSPECIFIC TERMS APPLICABLE TO YOUR\nVISA PLATINUM, SECURED VISA PLATINUM, VISA REWARDS\nAND VISA SIGNATURE CREDIT CARDS\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial institutions.\nYou agree not to use Your Card for illegal transactions including, but not limited to,\nadvances made for the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your\nrequest, a Personal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced will\nbe added to Your Account balance. In the event a use of Your PIN constitutes an\nElectronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer\nAgreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit, or other\nslips You may sign or receive when using Your Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\n\nPage 5 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0closs, theft, or possible unauthorized use by calling Us at (800) 262-5325 or (214) 3575577 or by writing to Us at 2430 Shorecrest, Dallas, Texas 75235. In any case, Your\nliability will not exceed $50.00.\nPRE-AUTHORIZED RECURRING CHARGES. You may, from time to time, establish\npreauthorized recurring charges be made on Your Account. You understand that any\nsuch preauthorized recurring charges will continue unless discontinued by You\ndirectly with the service provider with whom You preauthorized the recurring charge.\nTo ensure that recurring preauthorized charges established and authorized by You\nare not interrupted in the event that Your Card or other Access Device is reissued,\nWe may, but are under no obligation to do so, enroll Your account in automatic\naccount information update services that communicate new Card/Access Device\ninformation to the service providers with whom You have established preauthorized\nrecurring charges, the purpose of which is to ensure charges You authorize continue\nwithout interruption.\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\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\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\n\nREFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of\nmerchants, financial institutions, and others to accept the Cards or electronic terminals\nto honor the Cards or complete a Card withdrawal, or for their retention of the Cards.\n\nWhen We receive Your letter, We must do two things:\n\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign\ncurrencies, the exchange rate between the transaction currency and the billing currency\n(U.S. Dollars) will be: (a) a rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may\nvary from the rate VISA itself receives; or (b) the government-mandated rate in effect\nfor the applicable central processing date.\n\n2)\n\nFor VISA Platinum, Secured VISA Platinum, and VISA Rewards Feature Categories,\nfor transactions that are initiated in a foreign currency, You will be charged 2.00% of\nthe final settlement amount, and for transactions occurring in foreign countries and\ninitiated in U.S. Dollars, You will be charged 2.00% of the final settlement amount.\n\n\xef\x82\xb7\n\nTransactions initiated via the internet with merchants or other parties located outside of\nthe United States of America are deemed to occur in the foreign country where the\nmerchant or other party is located.\nLATE CHARGE. If Your payment is more than 10 days late, You will be charged the\nlesser of: (a) 20.00% of the minimum payment due (subject to a maximum of $27.00,\nwhich amount will be increased to $38.00 if You have incurred a late charge within 6\nmonths of previously incurring a late charge); or (b) the amount of the required\nminimum payment.\nRETURNED PAYMENT. You will be charged the lesser of $30.00 or the required\nminimum payment amount for the returned payment for any check (or other negotiable\ninstrument) used for payment which is returned unpaid.\nOTHER FEES AND CHARGES. You will be charged the following Fees and Charges\nassociated with the use of Your Card: (a) a cash advance fee FINANCE CHARGE\nequal to the greater of 2.00% of each cash advance (excluding any such advance\nobtained online) or $10.00; and (b) a balance transfer fee FINANCE CHARGE equal\nto 2.99% of each such balance transfer.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic\nterminal, or financial institution at which transactions were made, but sales, cash\nadvance, credit, or other slips cannot be returned with the statement.\nLOST CARDS. To report lost or stolen Credit Cards, You will immediately call Us at\n(800) 262-5325 or (214) 357-5577 or write to Us at the address shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your Account.\nIf Your credits and payments exceed what You owe Us, We will hold and apply this credit\nagainst future purchases and cash advances, or if it is $1.00 or more refund it on Your\nwritten request or automatically deposit it to Your share account after 6 months.\nYour Billing Rights: Keep this Document for Future Use\n\n1)\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\nWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe 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\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do 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\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom We reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou 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\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1)\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You\nthe goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\n\nWhat To Do If You Find A Mistake On Your Statement\n\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nIf You think there is an error on Your statement, write to Us at Our address shown in\nthis Agreement. In Your letter, give Us the following information:\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 6 of 6\n\nOTBS 016 FRB Web SWST (3/21)\nRev. (1/19)\n\n\x0cSouthwest Airlines Federal Credit Union\nwww.swacu.org\nDALLAS\n2430 Shorecrest\nDallas, TX 75235\n800.262.5325\n\nHOUSTON\n8441 Gulf Frwy., Suite 103\nHouston, TX 77017\n800.262.5325\n\nPHOENIX\n2330 E. Jones Ave, Suite 6\nPhoenix, AZ 85040\n800.262.5325\n\nEULESS\n801 W. Euless Blvd, Suite 104\nEuless, TX 76040\n800.262.5325\n\nPRICING INFORMATION ADDENDUM \xe2\x80\x93 CREDIT LINE ACCOUNT\nAGREEMENT AND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA CLASSIC, VISA GOLD, VISA SECURE AND MASTERCARD\nPLATINUM CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nVISA Platinum:\n\n0.00% Introductory APR for 12 months.\nYour APR will be 8.25% to 16.25%\n\nAfter that,\ndepending on Your\ncreditworthiness at the time You established Your account. This APR will vary with the\nmarket based on the Prime Rate.\n\n0.00% Introductory APR for 12 months.\nAPR will be 8.25% to 16.25% depending\n\nSecured VISA Platinum:\n\nAfter that, Your\non Your\ncreditworthiness at the time You established Your account. This APR will vary with the\nmarket based on the Prime Rate.\nVISA Rewards:\n\n0.00% Introductory APR for 12 months.\nYour APR will be 9.25% to 14.25%\n\nAfter that,\ndepending on Your\ncreditworthiness at the time You established Your account. This APR will vary with the\nmarket based on the Prime Rate.\n\n0.00% Introductory APR for 12 months.\nYour APR will be 11.25% to 13.25%\n\nVISA Signature:\n\nAfter that,\ndepending on Your\ncreditworthiness at the time You established Your account. This APR will vary with the\nmarket based on the Prime Rate.\nAPR For Balance Transfers\n\nVISA Platinum: 0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 8.25% to 16.25% depending on Your creditworthiness at\nthe time You established Your account. This APR will vary with the market based on\nthe Prime Rate.\nVISA Rewards: 0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 9.25% to 14.25% depending on Your creditworthiness at\nthe time You established Your account. This APR will vary with the market based on\nthe Prime Rate.\nVISA Signature: 0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 11.25% to 13.25% depending on Your creditworthiness at\nthe time You established Your account. This APR will vary with the market based on\nthe Prime Rate.\n\nPlease refer to TOP OF PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 1 of 3\n\nOTBS 016A FRB Web SWST (3/21)\n\n\x0cInterest Rate and Interest Charges - continued\nAPR For Cash Advances\n\nVISA Platinum: 18.00%\nThis APR will vary with the market based on the Prime Rate.\nSecured VISA Platinum: 18.00%\nThis APR will vary with the market based on the Prime Rate.\nVISA Rewards: 18.00%\nThis APR will vary with the market based on the Prime Rate.\nVISA Signature: 18.00%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date.\n\nFees\nTransaction Fees\n\xef\x82\xb7 Cash Advance Fee\n\xef\x82\xb7 Balance Transfer Fee\n\xef\x82\xb7 Foreign Transaction Fee\n\n2.00% of each advance ($10.00 minimum).\n2.99% of each balance transfer.\nExcept VISA Signature, 2.00% of each transaction in U.S. Dollars.\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nUp to $30.00\nUp to $38.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nPlease refer to PAGE 1 for more important information about Your Account\n\nVISA FINANCE CHARGES. In the case of any transactions under Your VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, the\nbalances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average\ndaily balance, We take the beginning balance each day, add any new purchases, balance transfers (except Secured VISA Platinum), cash advances, insurance premiums, debit\nadjustments, or other charges and subtract any payments, credits, and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the\nbilling cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average dally balance subject to a\nFinance Charge by the applicable Daily Periodic Rate times the number of days in the billing cycle.\nFor VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, You can avoid Finance Charges on purchases by paying the full amount of\nthe entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they\nare posted to Your Account, will be subject to a Finance Charge.\nFor VISA Platinum, VISA Rewards or VISA Signature Feature Categories, balance transfers are always subject to a Finance Charge from the later of the date they are posted\nto Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.\nFor VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, cash advances are always subject to a Finance Charge from the later of the\ndate they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.\nVISA Platinum purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12\nmonths Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL PERCENTAGE\nRATE of 8.25% - 16.25%), depending on Your creditworthiness.\nVISA Platinum balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%)\nfor 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL\nPERCENTAGE RATE of 8.25% - 16.25%), depending on Your creditworthiness.\nVISA Platinum cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%).\nSecured VISA Platinum purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%)\nfor 12 months. Upon the expiration of the Introductory Rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL\nPERCENTAGE RATE of 8.25% - 16.25%), depending on Your creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 2 of 3\n\nOTBS 016A FRB Web SWST (3/21)\n\n\x0cSecured VISA Platinum cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%).\nVISA Rewards purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12\nmonths. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL PERCENTAGE\nRATE of 9.25% - 14.25%), depending on Your creditworthiness.\nVISA Rewards balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%)\nfor 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL\nPERCENTAGE RATE of 9.25% - 14.25%), depending on Your creditworthiness.\nVISA Rewards cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%).\nVISA Signature purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12\nmonths Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL PERCENTAGE\nRATE of 11.25% - 13.25%), depending on Your creditworthiness.\nVISA Signature balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%)\nfor 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL\nPERCENTAGE RATE of 11.25% - 13.25%), depending on Your creditworthiness.\nVISA Signature cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%).\nVISA VARIABLE RATE. Your VISA Platinum, Secured VISA Platinum, VISA Rewards and/or VISA Signature Feature Categories are subject to a variable interest rate.\nFor VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, advances for purchases and balance transfers are subject to a Variable Rate which is based on the\nUnited States Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the day the discounted introductory rate expires, and subsequently, on\nthe 30th day immediately preceding each Change Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. For balances for purchases and balance\ntransfers, changes in the Index will cause changes in the Interest Rate on the day the introductory rate expires, and subsequently on the 1st day of each calendar month ("Change\nDate"). For VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, balances for cash advances are subject to a Variable Rate which is based on the United\nStates Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 30th day immediately preceding each Change Date ("Index") plus Our\nMargin. The Index plus the Margin equals the Interest Rate. For cash advances, changes in the Index will cause changes in the Interest Rate on the 1st day of each calendar\nmonth ("Change Date").\nFor Secured VISA Platinum, advances for purchases are subject to a Variable Rate which is based on the United States Prime Rate as published in the Money Rates section of\nthe Wall Street Journal in effect on the day the discounted introductory rate expires, and subsequently, on the 30th day immediately preceding each Change Date ("Index") plus\nOur Margin. The Index plus the Margin equals the Interest Rate. For balances for purchases, changes in the Index will cause changes in the Interest Rate on the day the\nintroductory rate expires, and subsequently on the 1st day of each calendar month ("Change Date"). For Secured VISA Platinum, balances for cash advances are subject to a\nVariable Rate which is based on the United States Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 30th day immediately preceding\neach Change Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. For cash advances, changes in the Index will cause changes in the Interest\nRate on the 1st day of each calendar month ("Change Date").\nFor all VISA Feature Categories, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your\nregularly scheduled payments. For all VISA Feature Categories, Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance.\nFor VISA Platinum purchase transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness.\nFor VISA Platinum balance transfer transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness.\nFor VISA Platinum cash advance transactions, the Margin applicable to Your Account will be 14.75%.\nFor Secured VISA Platinum purchase transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness.\nFor Secured VISA Platinum cash advance transactions, the Margin applicable to Your Account will be 14.75%.\nFor VISA Rewards purchase transactions, the Margin applicable to Your Account will be 6.00% - 13.00% depending on Your creditworthiness.\nFor VISA Rewards balance transfer transactions, the Margin applicable to Your Account will be 6.00% - 13.00% depending on Your creditworthiness.\nFor VISA Rewards cash advance transactions, the Margin applicable to Your Account will be 14.75%.\nFor VISA Signature purchase transactions, the Margin applicable to Your Account will be 8.00% - 10.00% depending on Your creditworthiness.\nFor VISA Signature balance transfer transactions, the Margin applicable to Your Account will be 8.00% - 10.00% depending on Your creditworthiness.\nFor VISA Signature cash advance transactions, the Margin applicable to Your Account will be 14.75%.\n\nCopyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.\n\nPage 3 of 3\n\nOTBS 016A FRB Web SWST (3/21)\n\n\x0c'