b'Visa Signature\nCredit Card Agreement\n1. INTRODUCTION.\nThis VISA Credit Card Agreement (Agreement) and the Account\nDisclosures accompanying this Agreement will govern your\nSignature Visa account issued by OnPoint Community Credit\nUnion. In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d\n\xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the\napplication for this Account, any joint obligor, guarantor, or the\nperson whose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d\n\xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cOnPoint\xe2\x80\x9d means OnPoint Community Credit Union.\nThe word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued\nunder OnPoint\xe2\x80\x99s Signature Visa program. Except as otherwise\nspecified in this Agreement, all terms and conditions of this\nAgreement apply to any Card issued under any of the abovereferenced programs. If you sign a written or online application\nfor this Account or sign or use any Card or PIN, or allow others\nto use the Card or PIN, you and they will have accepted this\nAgreement just as if you and they signed it, and you and they,\njointly and severally, will be bound by the following terms and\nconditions which will govern this Account.\n2. ACCOUNT ACCESS.\nA. Purchases and Cash Advances. You must sign the Card to\nuse it. Once you have signed the Card, you can use it to make\npurchase, cash advance and balance transfer transactions up to\nthe full amount of your credit line. You may use your Account to\nget cash advances from OnPoint. You may also use your Card\nto get a cash advance from participating financial institutions\nor automated teller machines (ATMs). You may use your Card to\npurchase goods and services any place your Card is honored\nby participating merchants. No purchase amount may exceed\nthe available funds in your account. Only credit card balance\ntransfers you make from another institution will be permitted\nand treated as a cash advance. OnPoint reserves the right to\nrefuse any transaction that would draw upon insufficient funds.\nB. VISA Convenience Checks. If we approve, you may obtain\nadvances under your Account by writing preprinted VISA\nconvenience loan checks that we supply to you. Your use of\nloan checks will be shown as cash advances on your monthly\nstatement. We may not honor your loan check if: your check is\npost-dated; payment of the check would exceed your Credit\nLimit; a check is signed by a person without authorized access;\nthe amount of the check is less than the minimum required\n1\n\n\x0camount; your Account has been terminated or suspended,\nor any drafts have been reported lost or stolen. You may stop\npayment on a loan check if you provide OnPoint with the exact\ninformation describing the check. If you give OnPoint incorrect\ninformation, we will not be responsible for failing to stop\npayment. You understand there may be a charge for each stop\npayment order requested. Our liability for a wrongful dishonor\nis limited to your actual charges, however, a dishonor for the\nreasons stated above is not a wrongful dishonor. Only the person\nwhose name is printed on a convenience check may sign it. All\nconvenience checks must be written in U.S. dollars. We will not\ncertify a convenience check. You may write these checks for\nany amount providing your total outstanding balance does not\nexceed your available credit limit and your credit card remains in\ngood standing. We are entitled to return it unpaid if there is not\nenough available credit on your account to pay it, if you are in\ndefault under this Agreement, if your card or convenience checks\nhave been reported lost or stolen, or if the convenience check\nis post-dated. Over-limit fees will be charged as applicable. A\nVISA convenience check may not be used to make a payment on\nyour Account. OnPoint shall have no liability for any convenience\ncheck returned in excess of your credit line.\nC. Overdraft Advances. In the event we have approved\noverdraft protection for you, for any overdrafts on a savings\nor checking account of yours, we will treat the overdraft as\na request for a cash advance on your credit line and we will\ntransfer this amount to your overdrawn account. For purposes\nof this Agreement, an overdraft advance will be treated as a\ncash advance.\n3. YOU PROMISE TO PAY.\nYou promise to pay OnPoint all such amounts, plus any Interest\nCharges, which arise from use of the Card or Account by you\nor any other person, and to be jointly and severally liable with\nsuch a person, unless such other person does not have actual,\nimplied, or apparent authority for such use, and you received no\nbenefit from the use. You promise to pay OnPoint either by direct\npayment or by automatic transfers from savings or checking.\n4. CREDIT LINE.\nThis Agreement will constitute a revolving line of credit for\nan amount, which will be the credit line under your Account.\nYou may access your credit line through Card purchases, cash\nadvances at participating merchants and loan checks. We will\nadvise you of the amount of your credit line on your statement.\nThat amount will be the maximum amount you may have\noutstanding at any one time. You agree not to attempt to obtain\nmore credit than the amount of your credit line. We retain the\nright to increase or decrease your credit line at any time for any\nreason. Any increase or reduction on the limit of your credit line\nwill be shown on your monthly statement or by separate notice\ntogether with any changes in the applicable minimum monthly\npayments. Your eligibility for this credit line is determined by\nour loan policy and may be terminated at our sole discretion,\nwithout demand or notice. You may close your credit line at any\ntime by notifying OnPoint in writing and returning all Cards cut\n2\n\n\x0cin half. If you terminate this Agreement or if we terminate or\nsuspend your credit privileges, the provisions of this Agreement\nand your liability hereunder shall otherwise remain in full force\nand effect until you have paid OnPoint all sums due OnPoint\nunder this Agreement and returned all Cards.\n5. MINIMUM MONTHLY PAYMENT.\nYou agree that you will pay each month not less than the\nminimum monthly payment on or before the scheduled monthly\ndue date. The minimum monthly payment will be 2% of your\noutstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $50.00, whichever is\ngreater. If your outstanding balance is $50.00 or less, you agree\nto pay the balance in full. The total minimum payment due\neach month is the minimum monthly payment, any amounts\npast due and any overlimit amounts. You may pay in full for all\nyour purchases and cash advances each month, or you may\nrepay in monthly installments. We can accept late payments or\npartial payments, or checks, drafts, or money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights under this\nAgreement, which are hereby explicitly reserved. A credit\nposting from a merchant or reversal of fees do not constitute a\nminimum monthly payment. Your payments may be allocated\nat the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances,\nsuch as promotional offers, before higher rate balances, such\nas cash advances or purchases. Payments in excess of the\nminimum payment will be allocated first to higher rate balances,\nas applicable. From time to time, we may allow you to skip\nyour minimum monthly payment due. If you choose to skip that\npayment, Interest Charges will continue to accrue in accordance\nwith this Agreement. Payments received at: OnPoint Community\nCredit Union, PO Box 60510, City of Ind, CA 91716-0510 at or\nbefore 5:00 PM Pacific Time on any business day will be credited\nto your Account as of that date; payments received by mail at\nthat address after 5:00 PM Pacific Time, on a weekend or federal\nholiday will be posted to your Account as of the next business\nday. Payment crediting to your Account may be delayed up\nto five days if your payment is received by mail at any other\naddress or not accompanied by the remittance portion of your\nAccount statement.\n6. SECURITY INTEREST.\nYou grant OnPoint a security interest under the Oregon Uniform\nCommercial Code in any goods purchased with your Card.\nYou agree that all collateral you have given OnPoint to secure\nother open-end consumer loan obligations (except dwellingsecured loans), in the past and in the future, will secure your\nobligations under this Agreement. In addition, by signing the\nCard Application, you have given OnPoint a security interest in\nall your deposits, present and future, and all accounts (except\nIndividual Retirement Accounts) with OnPoint. You agree,\nupon default, OnPoint may apply all that is secured to pay any\namounts due under this Agreement, without further notice to\nyou. You also agree that cross-collateralization is a condition of\nreceiving your card.\n7. MONTHLY STATEMENTS.\nEach month we will send you a statement showing purchases,\n3\n\n\x0ccash advances, payments, and credits made to your Account\nduring the billing cycle, as well as your \xe2\x80\x9cNew Balance,\xe2\x80\x9d any\nInterest Charge and any late charge or other charges. Your\nstatement also will identify the Minimum monthly payment\nyou must make for that billing period and the date it is due.\nYou agree to retain for statement verification copies of\ntransaction slips resulting from each purchase, each advance,\nand other transaction on your Account. Unless you notify\nOnPoint of a billing error as described below, you accept your\nmonthly statement as an accurate statement of your Account\nwith OnPoint.\n8. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE\nWILL BE IMPOSED.\nThe total outstanding balance of purchases and cash advances\nin the Account on the closing date of a billing cycle, including\nany fees and Interest Charges will be shown on the Periodic\nStatement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\nA. Cash Advances and Balance Transfers. An Interest Charge\nwill be imposed on cash advances (including balance transfers,\nconvenience check advances and overdraft advances) from\nthe date each cash advance is made or the first date of the\nbilling cycle in which the cash advance is posted, whichever\nis later, until such advances are paid. There is no time period\nwithin which to pay to avoid a periodic Interest Charge on cash\nadvances, including balance transfers and convenience check\ncash advances.\nB. Purchases. An Interest Charge will be imposed on the\nportion of purchases included in the new balance that remains\nunpaid 25 days after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d\nallows you to avoid a Interest Charge on purchases for a billing\ncycle. However, to the extent you do not pay your purchase\ntransactions from the previous billing cycle within the grace\nperiod, your Interest Charge will accrue from the date purchases\nare posted to your account.\n9. METHOD USED TO DETERMINE THE BALANCE ON\nWHICH THE INTEREST CHARGE MAY BE COMPUTED AND\nAMOUNT OF INTEREST CHARGE.\nWe figure the Interest Charge on your Account by applying the\nPeriodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of the account\nincluding current purchases and cash advances for your\nAccount. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the\nbeginning purchase and cash advance balances of your Account\neach day, add any new purchases and cash advances and\nsubtract any payments or credits, unpaid Interest Charges and\nunpaid late charges. The Interest Charge is determined by\nmultiplying the average daily balance by the number of days in\nthe billing cycle and applying the Periodic Rate to that amount.\nNo Interest Charge is imposed on purchases to the extent\npayments and credits for purchases are made within 25 days of\nthe closing date of the previous billing cycle. The \xe2\x80\x9cTotal Interest\nCharge\xe2\x80\x9d shown on your monthly statement consists of the\nperiodic Interest Charge on purchases and the periodic Interest\nCharge on cash advances.\n4\n\n\x0c10. PERIODIC RATE AND CORRESPONDING ANNUAL\nPERCENTAGE RATE (VARIABLE).\nA. Standard Rates. To obtain the Periodic Rate, we divide the\nAnnual Percentage Rate by 365. The Annual Percentage Rate\nmay change as of the first day of each billing cycle, based on\nan index which is The Wall Street Journal Western Edition\nPrime Rate as of the 10th day of the month (or next business\nday if the 10th falls on a weekend), plus a margin. If the Prime\nRate changes on the 10th day of the month, the change will be\neffective on the 1st day of your next billing cycle following the\nchange. The margin for your Account depends on your credit\nprofile and will be set forth in the Account Disclosure that is\nprovided when your Account is opened, and is incorporated in\nthis Agreement.\nB. Introductory or Promotional Rates. At our discretion,\nwe may offer you an introductory or promotional Annual\nPercentage Rate for your Account. Any introductory or\npromotional Annual Percentage Rate will be subject to the\nterms of the offer and this Agreement. We will provide you\nwith information on the offer, including the time period the\nintroductory or promotional Annual Percentage Rate is in effect\nin the Account Disclosure when you open your Account or in\nother materials that we send to you about the offer after you\nreceive your Credit Card.\nC. Default Rate. In the event you are in default of this\nAgreement or if you have more than one late payment in\ntwelve (12) months the Annual Percentage Rate on your entire\noutstanding balance will be increased by 3.00% above your\ncurrent variable Annual Percentage Rate on the first day of the\nnew billing cycle following the late payment or notice of default\nand will continue until you have six (6) months without any late\nor insufficient minimum payments or you satisfy the default\ncondition.\n11. CONDITIONS UNDER WHICH OTHER CHARGES MAY\nBE IMPOSED.\nWe may impose the following fees and charges on your Account:\nA. Late Fee. If we do not receive your minimum payment within\n3 days of the due date, we may impose a Late Fee of $25.00\n(balances greater than $1000); $20 (balances $100-$1000); $10\n(balance $99 or less). If you have more than one late payment\nin twelve (12) months your account may be subject to a default\nAnnual Percentage Rate as set forth above.\nB. Returned Item Fee. If any check we receive from you as\npayment on your Account is returned to OnPoint unpaid or\nfor any convenience check drawn on your Account is returned\nunpaid, we may impose a Returned Item Fee of $25.00.\nC. Card Replacement Fee. We may impose a $5.00 card\nreplacement fee for each VISA card, which is lost, stolen,\nor damaged.\nD. Annual Fee. There is no annual fee for use of your Card\nand account.\nE. Miscellaneous Photocopying. If you request a copy of a\nsales draft or other document, we may charge your Account\n5\n\n\x0c$2.00 per copy and $25.00 per hour. These charges cover the\ncosts of locating, copying, and delivering the documents to you.\nIf a request is related to a billing error and an error is found, we\nwill reverse any photocopying charges.\nF. ATM Fees. If you use an ATM to obtain a cash advance you\nmay be charged an ATM surcharge by the ATM operator or an\nATM network utilized for such a transaction. The ATM surcharge\nmay be charged to your account if you complete the transaction.\nG. Attorney\xe2\x80\x99s Fees and Costs. If you default on any part of this\nAgreement, you agree to pay OnPoint all costs to collect your\nAccount, including court costs and reasonable attorney fees\nand collection agency costs whether or not there is a lawsuit,\nand fees on any appeal and fees for bankruptcy proceedings,\nappeals, and any post judgment collection services, if applicable.\n12. CONDITIONS OF CARD USE.\nThe use of your Card and Account are subject to the following\nconditions:\nA. Ownership of Cards. Any Card or other credit instrument\nor device which we supply to you is our property and must be\nreturned to OnPoint, or to any person whom we authorize to act\nas our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be\nrepossessed at any time at our sole discretion without demand\nor notice. You cannot transfer your Card or Account to another\nperson. You may not use the Card for any illegal or unlawful\ntransactions and we may decline to authorize any transaction\nthat we believe poses an undue risk of illegality or unlawfulness.\nB. Honoring the Card. Neither we nor merchants authorized\nto honor the Card will be responsible for the failure or refusal\nto honor the Card or any other credit instrument or device we\nsupply to you. If a merchant agrees to give you a refund or\nadjustment, you agree to accept a credit to your Account in lieu\nof a cash refund.\nC. Currency Conversion/Foreign Transaction Fee. Purchases\nand cash advances made in foreign countries will be billed to\nyou in U.S. dollars. The currency conversion rate for international\ntransactions as established by VISA International, Inc. is a rate\nselected by VISA from the range of rates available in wholesale\ncurrency markets for the applicable central processing date,\nwhich rate may vary from the rate VISA itself receives, or the\ngovernment mandated rate in effect for the applicable central\nprocessing date.\nD. Notices and Payments. All notices will be sent to your\naddress as shown on your OnPoint account. You agree to\nadvise OnPoint promptly if you change your mailing address.\nAll payments should be mailed to OnPoint at the remittance\naddress shown on your monthly statements. Payments received\nat that address will be credited to your Account as of the date\nreceived.\nE. Security of Access Code. The personal identification\nnumber (PIN) is for your security purposes. The access code\nis confidential and should not be disclosed to third parties or\nrecorded. You are responsible for safekeeping your access code.\n6\n\n\x0cYou agree not to disclose or otherwise make your access code\navailable to anyone not authorized to sign on your accounts.\nIf you authorize anyone to have or use your access code,\nyou understand that person may review all of your account\ninformation and make account transactions. Therefore, we are\nentitled to act on transaction instructions received using your\naccess code and you agree that the use of your access code will\nhave the same effect as your signature authorizing transactions.\nIf you authorize anyone to use your access code in any manner\nthat authority will be considered unlimited in amount and\nmanner until you specifically revoke such authority by notifying\nOnPoint. You are responsible for any transactions made by such\npersons until you notify OnPoint that transactions and access by\nthat person are no longer authorized. If you fail to maintain or\nchange the security of these access codes and OnPoint suffers\na loss, we may terminate your electronic funds transfer and\naccount services immediately.\n13. DEFAULT.\nYou will be in default under this Agreement if any of the\nfollowing occur: (a) Any minimum monthly payment is not made\nwhen due; (b) You become insolvent, bankrupt, or you die; (c)\nYou violate any part of this Agreement, or any other agreement\nwith OnPoint; or (d) if we reasonably deem ourselves insecure on\nyour credit line. We will notify you in writing of any such action\nas soon as practical if it occurs. Upon default, we may declare\nthe entire unpaid balance immediately due and payable, and\nyou agree to pay that amount plus any attorney\xe2\x80\x99s fees and costs\nincluding collection agency costs incurred by OnPoint. We can\ndelay enforcing any right under this Agreement without losing\nthat right or any other right. A negative credit report reflecting\non your credit record may be submitted to a credit-reporting\nagency if you fail to fulfill the terms of this Agreement.\n14. CREDIT INFORMATION/FINANCIAL STATEMENTS.\nYou authorize OnPoint to release information to others (e.g.,\ncredit bureaus, merchants, and other financial institutions)\nregarding the status and history of your credit line. You agree\nto provide OnPoint, at any time we deem necessary, with a\ncurrent financial statement and updated credit information upon\nrequest. We may investigate your credit directly or through a\ncredit reporting agency.\n15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD\nYou agree to notify OnPoint immediately of the loss, or the theft,\nor the use without your permission, of any Card or other credit\ninstrument or device, which we supply to you. You may be liable\nfor the unauthorized use of your Card. You will need to notify:\nOnPoint Community Credit Union, PO Box 31112, Tampa FL\n33631-3112 or Telephone: 1-866-820-5831 orally or in writing of\nloss, theft, or possible unauthorized use. If you notify OnPoint\nof your lost or stolen Credit Card after discovery, you may not\nbe liable for any losses related to credit transactions. This zero\nliability will apply provided you were not grossly negligent or\nfraudulent in handling your Card; otherwise your liability for\nunauthorized VISA Credit Card transactions shall not exceed $50.\n7\n\n\x0c16. YOUR CREDIT CARD BILLING RIGHTS\nKeep this document for future use. This notice tells you about\nyour rights and our responsibilities under the Fair Credit\nBilling Act.\nA. What to do if you find a mistake on your statement. If you\nthink there is an error on your statement, write to us at:\nOnPoint Community Credit Union, P.O. Box 31112, Tampa, FL\n33631-3279.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nB. What will happen after we receive your letter. When we\nreceive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when\n8\n\n\x0cthe matter has been settled between us. If we do not follow all\nof the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nC. Your rights if you are dissatisfied with your credit card\npurchases. If you are dissatisfied with the goods or services that\nyou have purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at the above address.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n17. AMENDMENTS.\nWe reserve the right to amend the terms of this Agreement\nat anytime as permitted by and subject to any limitations and\nnotice requirements of applicable law.\n18. GOVERNING LAW.\nThis Agreement will not take effect until it is approved by\nOnPoint. This Agreement shall be governed by the laws of the\nState of Oregon.\n19. NOTICE AND AGREEMENT.\nYou understand and agree to the terms and conditions in this\nVISA Credit Card Agreement. You acknowledge that you have\nreceived a copy of the Agreement. This Agreement is a final\nexpression of the agreement between you and OnPoint. This\nAgreement may not be contradicted by evidence of any oral\nagreement or alleged oral agreement and contains the terms\napplicable to the credit transaction.\n20. REWARDS.\nApplicable to OnPoint Signature Visa with Rewards credit card\nonly. Features are subject to Terms and Conditions posted at\nwww.curewards.com.\n21. CASH BACK REWARDS\nApplicable to OnPoint Signature Cash Back credit card only.\nMust maintain qualifications for OnPoint Bundle Rewards.\nCash back card rewards are credited annually to your open\nOnPoint checking account. If you close your OnPoint checking\naccount before rewards are paid, even if your Signature credit\ncard is active, you will forfeit your rewards for that year.\n9\n\n\x0cMILITARY LENDING DISCLOSURE.\nThis Military Lending Disclosure is issued pursuant to and\namends your Visa Credit Card Agreement and Account\nDisclosures as described below:\nA. Borrower Certification of Active Duty. By requesting a\nCredit Card each borrower certifies to the Credit Union that\nborrower: (i) is a Covered member as a member of the Armed\nForces who is currently serving on active duty (under a call\nor order not less than 30 days) Active Guard or Reserve duty;\nand (ii) borrower is the Covered Member or is a dependent of\nthe Covered Member. Borrower(s) authorize the Credit Union\nto verify their status as a Covered Member or dependent by\nobtaining information from the database of the Department of\nDefense or from a consumer report obtained from a consumer\nreporting agency.\nB. Military Annual Percentage Rate. Federal law provides\nimportant protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed an annual\npercentage rate of 36%. This rate must include, as applicable\nto the credit transaction or account: the costs associated with\ncredit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee\ncharged (other than certain application fees for a credit card\naccount); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nC. Payment Obligation. Your payment obligation under your\nCredit Card Account is set forth in Sec. 5 in the Visa Credit\nCard Agreement.\nD. Security Interest. The Credit Union\xe2\x80\x99s security interest in all\nyour Credit Union shares or deposits pursuant to the Credit\nCard Agreement will not apply your Credit Card Account. A\nsecurity interest in shares or deposits granted in connection\nwith any other credit card account, loan or line of credit does\nnot secure the Credit Card Account identified above, in spite\nof any provision that collateral securing one loan secures all of\nyour other Credit Union obligations. However, if you establish\na deposit or share account specifically in connection with your\nCredit Card Account, funds deposited in that account after you\nestablish the Credit Card Account are subject to our security\ninterest as set forth above in the Visa Credit Card Agreement.\nE. Credit Union Toll-Free Telephone Number.\nCall 1-800-527-3932 for verbal information about the Military\nAnnual Percentage Rate and your payment obligation.\n\n01/21\n\n10\n\nM-132778\n\n\x0c'


b'Visa Credit Card\nAgreement\n\n1.\nINTRODUCTION.\nThis VISA Credit Card Agreement (Agreement) and the Account\nDisclosures accompanying this Agreement will govern your Platinum\nVISA or Platinum VISA with Rewards account issued by OnPoint\nCommunity Credit Union. In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d\n\xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the\napplication for this Account, any joint obligor, guarantor, or the\nperson whose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d\n\xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cOnPoint\xe2\x80\x9d means OnPoint Community Credit Union. The\nword \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under\nOnPoint\xe2\x80\x99s Platinum VISA or Platinum VISA with Rewards program.\nExcept as otherwise specified in this Agreement, all terms and\nconditions of this Agreement apply to any Card issued under any\nof the above-referenced programs. If you sign a written or\nonline application for this Account or sign or use any Card or\nPIN, or allow others to use the Card or PIN, you and they will\nhave accepted this Agreement just as if you and they signed\nit, and you and they, jointly and severally, will be bound by the\nfollowing terms and conditions which will govern this Account.\n2.\nACCOUNT ACCESS.\nA.\nPurchases and Cash Advances. You must sign the Card\nto use it. Once you have signed the Card, you can use it to make\npurchase, cash advance and balance transfer transactions up to\nthe full amount of your credit line. You may use your Account to get\ncash advances from OnPoint. You may also use your Card to get a\ncash advance from participating financial institutions or automated\nteller machines (ATMs). You may use your Card to purchase goods\nand services any place your Card is honored by participating\nmerchants. No purchase amount may exceed the available funds\nin your account. Only credit card balance transfers you make from\nanother institution will be permitted and treated as a cash advance.\nOnPoint reserves the right to refuse any transaction that would draw\nupon insufficient funds.\n1\n\n\x0cB.\nVISA Convenience Checks. If we approve, you may\nobtain advances under your Account by writing preprinted VISA\nconvenience loan checks that we supply to you. Your use of loan\nchecks will be shown as cash advances on your monthly statement.\nWe may not honor your loan check if: your check is post-dated;\npayment of the check would exceed your credit limit; a check is\nsigned by a person without authorized access; the amount of the\ncheck is less than the minimum required amount; your Account has\nbeen terminated or suspended, or any drafts have been reported\nlost or stolen. You may stop payment on a loan check if you provide\nOnPoint with the exact information describing the check. If you\ngive OnPoint incorrect information, we will not be responsible for\nfailing to stop payment. You understand there may be a charge\nfor each stop payment order requested. Our liability for a wrongful\ndishonor is limited to your actual charges, however, a dishonor\nfor the reasons stated above is not a wrongful dishonor. Only the\nperson whose name is printed on a convenience check may sign\nit. All convenience checks must be written in U.S. dollars. We will\nnot certify a convenience check. You may write these checks for\nany amount providing your total outstanding balance does not\nexceed your available credit limit and your credit card remains in\ngood standing. We are entitled to return it unpaid if there is not\nenough available credit on your account to pay it, if you are in\ndefault under this Agreement, if your card or convenience checks\nhave been reported lost or stolen, or if the convenience check is\npost-dated. Over-limit fees will be charged as applicable. A VISA\nconvenience check may not be used to make a payment on your\nAccount. OnPoint shall have no liability for any convenience check\nreturned in excess of your credit line.\nC.\nOverdraft Advances. In the event we have approved overdraft\nprotection for you, for any overdrafts on a savings or checking\naccount of yours, we will treat the overdraft as a request for a cash\nadvance on your credit line and we will transfer this amount to your\noverdrawn account. For purposes of this Agreement, an overdraft\nadvance will be treated as a cash advance.\n3.\nYOU PROMISE TO PAY.\nYou promise to pay OnPoint all such amounts, plus any Interest\nCharges, which arise from use of the Card or Account by you or\nany other person, and to be jointly and severally liable with such a\nperson, unless such other person does not have actual, implied, or\napparent authority for such use, and you received no benefit from\nthe use. You promise to pay OnPoint either by direct payment or by\nautomatic transfers from savings or checking.\n4.\nCREDIT LINE.\nThis Agreement will constitute a revolving line of credit for an\namount, which will be the credit line under your Account. You may\naccess your credit line through Card purchases, cash advances at\nparticipating merchants and loan checks. We will advise you of the\namount of your credit line on your statement. That amount will be\nthe maximum amount you may have outstanding at any one time.\nYou agree not to attempt to obtain more credit than the amount of\nyour credit line. We retain the right to increase or decrease your\ncredit line at any time for any reason. Any increase or reduction on\nthe limit of your credit line will be shown on your monthly statement\n2\n\n\x0cor by separate notice together with any changes in the applicable\nminimum monthly payments. Your eligibility for this credit line is\ndetermined by our loan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close your credit line\nat any time by notifying OnPoint in writing and returning all Cards cut\nin half. If you terminate this Agreement or if we terminate or suspend\nyour credit privileges, the provisions of this Agreement and your\nliability hereunder shall otherwise remain in full force and effect until\nyou have paid OnPoint all sums due OnPoint under this Agreement\nand returned all Cards.\n5.\nMINIMUM MONTHLY PAYMENT.\nYou agree that you will pay each month not less than the minimum\nmonthly payment on or before the scheduled monthly due date.\nThe minimum monthly payment will be 2% of your outstanding\nbalance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $10.00, whichever is greater. If your\noutstanding balance is $10.00 or less, you agree to pay the\nbalance in full. The total minimum payment due each month is the\nminimum monthly payment, any amounts past due and any overlimit\namounts. You may pay in full for all your purchases and cash\nadvances each month, or you may repay in monthly installments.\nWe can accept late payments or partial payments, or checks,\ndrafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice\nto our rights under this Agreement, which are hereby explicitly\nreserved. A credit posting from a merchant or reversal of fees do\nnot constitute a minimum monthly payment. Your payments may\nbe allocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate\nbalances, such as promotional offers, before higher rate balances,\nsuch as cash advances or purchases. Payments in excess of the\nminimum payment will be allocated first to higher rate balances,\nas applicable. From time to time, we may allow you to skip your\nminimum monthly payment due. If you choose to skip that payment,\nInterest Charges will continue to accrue in accordance with this\nAgreement. Payments received at: OnPoint Community Credit\nUnion, PO Box 31112, Tampa, FL 33631-3279 at or before 5:00 PM\nEastern Time on any business day will be credited to your Account\nas of that date; payments received by mail at that address after 5:00\nPM Eastern Time, on a weekend or federal holiday will be posted to\nyour Account as of the next business day. Payment crediting to your\nAccount may be delayed up to five days if your payment is received\nby mail at any other address or not accompanied by the remittance\nportion of your Account statement.\n6.\nSECURITY INTEREST.\nYou grant OnPoint a security interest under the Oregon Uniform\nCommercial Code in any goods purchased with your Card. You\nagree that all collateral you have given OnPoint to secure other\nconsumer loan obligations except dwelling-secured loans, in\nthe past and in the future, will secure your obligations\nunder this Agreement.\nIn addition, by signing the Card\nApplication, you have given OnPoint a security interest in all your\ndeposits, present and future, and all accounts (except Individual\nRetirement Accounts) with OnPoint. You agree, upon default,\nOnPoint may apply all that is secured to pay any amounts due\nunder this Agreement, without further notice to you. You also agree\nthat cross-collateralization is a condition of receiving your card.\n3\n\n\x0c7.\nMONTHLY STATEMENTS.\nEach month we will send you a statement showing purchases, cash\nadvances, payments, and credits made to your Account during the\nbilling cycle, as well as your \xe2\x80\x9cNew Balance,\xe2\x80\x9d any Interest Charge and\nany late charge or other charges. Your statement also will identify the\nminimum monthly payment you must make for that billing period and\nthe date it is due. You agree to retain for statement verification copies\nof transaction slips resulting from each purchase, each advance, and\nother transactions on your Account. Unless you notify OnPoint of a\nbilling error as described below, you accept your monthly statement\nas an accurate statement of your Account with OnPoint.\n8.\n\nCIRCUMSTANCES UNDER WHICH AN INTEREST\nCHARGE WILL BE IMPOSED.\nThe total outstanding balance of purchases and cash advances in\nthe Account on the closing date of a billing cycle, including any fees\nand Interest Charges will be shown on the Periodic Statement for\nthat billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\nA.\nCash Advances and Balance Transfers. An Interest Charge\nwill be imposed on cash advances (including balance transfers,\nconvenience check advances and overdraft advances) from the\ndate each cash advance is made or the first date of the billing cycle\nin which the cash advance is posted, whichever is later, until such\nadvances are paid. There is no time period within which to pay\nto avoid a periodic Interest Charge on cash advances, including\nbalance transfers and convenience check cash advances.\nB.\nPurchases. An Interest Charge will be imposed on the portion\nof purchases included in the new balance that remains unpaid 25\ndays after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid\nan Interest Charge on purchases for a billing cycle. However, to the\nextent you do not pay your purchase transactions from the previous\nbilling cycle within the grace period, your Interest Charge will accrue\nfrom the date purchases are posted to your account.\n9.\n\nMETHOD USED TO DETERMINE THE BALANCE ON\nWHICH THE INTEREST CHARGE MAY BE COMPUTED\nAND AMOUNT OF INTEREST CHARGE.\nWe figure the Interest Charge on your Account by applying the\nPeriodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of the account\nincluding current purchases and cash advances for your Account.\nTo get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning purchase\nand cash advance balances of your Account each day, add any\nnew purchases and cash advances and subtract any payments\nor credits, unpaid Interest Charges and unpaid late charges. The\nInterest Charge is determined by multiplying the average daily\nbalance by the number of days in the billing cycle and applying the\nPeriodic Rate to that amount. No Interest Charge is imposed on\npurchases to the extent payments and credits for purchases are\nmade within 25 days of the closing date of the previous billing cycle.\nThe \xe2\x80\x9cTotal Interest Charge\xe2\x80\x9d shown on your monthly statement\nconsists of the periodic Interest Charge on purchases and the\nperiodic Interest Charge on cash advances.\n\n4\n\n\x0c10.\n\nPERIODIC RATE AND CORRESPONDING ANNUAL\nPERCENTAGE RATE (VARIABLE).\nA.\nStandard Rates. To obtain the Periodic Rate, we divide the\nAnnual Percentage Rate by 365. The Annual Percentage Rate may\nchange as of the first day of each billing cycle, based on an index\nwhich is The Wall Street Journal Western Edition Prime Rate as of\nthe 10th day of the month (or next business day if the 10th falls on\na weekend), plus a margin. If the Prime Rate changes on the 10th\nday of the month, the change will be effective on the 1st day of your\nnext billing cycle following the change. The margin for your Account\ndepends on your credit profile and will be set forth in the Account\nDisclosure that is provided when your Account is opened, and is\nincorporated in this Agreement.\nB.\nIntroductory or Promotional Rates. At our discretion, we\nmay offer you an introductory or promotional Annual Percentage\nRate for your Account. Any introductory or promotional Annual\nPercentage Rate will be subject to the terms of the offer and this\nAgreement. We will provide you with information on the offer,\nincluding the time period the introductory or promotional Annual\nPercentage Rate is in effect in the Account Disclosure when you\nopen your Account or in other materials that we send to you about\nthe offer after you receive your Credit Card.\nC.\nDefault Rate. In the event you are in default of this Agreement,\nor if you have more than one late payment in twelve (12) months,\nthe Annual Percentage Rate on your entire outstanding balance\nwill be increased by 3.00% above your current variable Annual\nPercentage Rate on the first day of the new billing cycle following\nthe late payment or notice of default and will continue until you have\nsix (6) months without any late or insufficient minimum payments or\nyou satisfy the default condition.\n11.\n\nCONDITIONS UNDER WHICH OTHER CHARGES MAY BE\nIMPOSED.\nWe may impose the following fees and charges on your Account:\nA.\nLate Fee. If we do not receive your minimum payment within\n3 days of the due date, we may impose a Late Fee of $25.00\n(balances greater than $1000); $20 (balances $100-$1000); $10\n(balances $99 or less). If you have more than one late payment\nin twelve (12) months, your account may be subject to a default\nAnnual Percentage Rate as set forth above.\nB.\nReturned Item Fee. If any check we receive from you as\npayment on your Account is returned to OnPoint unpaid or for any\nconvenience check drawn on your Account that is returned unpaid,\nwe may impose a Returned Item Fee of $25.00.\nC.\nCard Replacement Fee. We may impose a $5.00 card\nreplacement fee for each VISA card, which is lost, stolen, or damaged.\nD.\nAnnual Fee. There is no annual fee for use of your Card and\naccount.\nE.\nMiscellaneous Photocopying. If you request a copy of a\nsales draft or other document, we may charge your Account $2.00\nper copy and $25.00 per hour. These charges cover the costs of\n5\n\n\x0clocating, copying, and delivering the documents to you. If a request\nis related to a billing error and an error is found, we will reverse any\nphotocopying charges.\nF.\nATM Fees. If you use an ATM to obtain a cash advance and\nthe ATM is not operated by OnPoint, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such\na transaction. The ATM surcharge may be charged to your account\nif you complete the transaction.\nG.\nAttorney\xe2\x80\x99s Fees and Costs. If you default on any part of\nthis Agreement, you agree to pay OnPoint all costs to collect your\nAccount, including court costs and reasonable attorney fees and\ncollection agency costs whether or not there is a lawsuit, and fees\non any appeal and fees for bankruptcy proceedings, appeals, and\nany post judgment collection services, if applicable.\n12. CONDITIONS OF CARD USE.\nThe use of your Card and Account are subject to the following\nconditions:\nA.\nOwnership of Cards. Any Card or other credit instrument or\ndevice which we supply to you is our property and must be returned\nto OnPoint, or to any person whom we authorize to act as our agent,\nor to any person who is authorized to honor the Card, immediately\naccording to instructions. The Card may be repossessed at any\ntime at our sole discretion without demand or notice. You cannot\ntransfer your Card or Account to another person. You may not use\nthe Card for any illegal or unlawful transactions and we may decline\nto authorize any transaction that we believe poses an undue risk of\nillegality or unlawfulness.\nB.\nHonoring the Card. Neither we nor merchants authorized to\nhonor the Card will be responsible for the failure or refusal to honor\nthe Card or any other credit instrument or device we supply to you.\nIf a merchant agrees to give you a refund or adjustment, you agree\nto accept a credit to your Account in lieu of a cash refund.\nC.\nCurrency Conversion/Foreign Transaction Fee. Purchases\nand cash advances made in foreign countries will be billed to you\nin U.S. dollars. The currency conversion rate for international\ntransactions as established by VISA International, Inc. is a rate\nselected by VISA from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, which\nrate may vary from the rate VISA itself receives, or the governmentmandated rate in effect for the applicable central processing date. In\naddition, you will be charged a Foreign Transaction Fee of 1% of the\ntransaction amount for any card transaction made in a foreign country.\nD.\nNotices and Payments. All notices will be sent to your\naddress as shown on your OnPoint account. You agree to advise\nOnPoint promptly if you change your mailing address. All payments\nshould be mailed to OnPoint at the remittance address shown on\nyour monthly statements. Payments received at that address will be\ncredited to your Account as of the date received.\nE.\n\nSecurity of Access Code. The personal identification number\n6\n\n\x0c(PIN) or access code that you select is for your security purposes.\nThe access code is confidential and should not be disclosed to third\nparties or recorded. You are responsible for safekeeping your access\ncode. You agree not to disclose or otherwise make your access code\navailable to anyone not authorized to sign on your accounts. If you\nauthorize anyone to have or use your access code, you understand\nthat person may review all of your account information and make\naccount transactions. Therefore, we are entitled to act on transaction\ninstructions received using your access code and you agree that the\nuse of your access code will have the same effect as your signature\nauthorizing transactions. If you authorize anyone to use your access\ncode in any manner that authority will be considered unlimited in\namount and manner until you specifically revoke such authority by\nnotifying OnPoint and changing your access code immediately. You\nare responsible for any transactions made by such persons until you\nnotify OnPoint that transactions and access by that person are no\nlonger authorized and your access code is changed. If you fail to\nmaintain or change the security of these access codes and OnPoint\nsuffers a loss, we may terminate your electronic funds transfer and\naccount services immediately.\n13. DEFAULT.\nYou will be in default under this Agreement if any of the following\noccur: (a) Any minimum monthly payment is not made when due;\n(b) You become insolvent, bankrupt, or you die; (c) You violate any\npart of this Agreement, or any other agreement with OnPoint; or (d)\nif we reasonably deem ourselves insecure on your credit line. We\nwill notify you in writing of any such action as soon as practical if it\noccurs. Upon default, we may declare the entire unpaid balance\nimmediately due and payable, and you agree to pay that amount\nplus any attorney\xe2\x80\x99s fees and costs including collection agency costs\nincurred by OnPoint. We can delay enforcing any right under this\nAgreement without losing that right or any other right. A negative\ncredit report reflecting on your credit record may be submitted to a\ncredit-reporting agency if you fail to fulfill the terms of this Agreement.\n14. CREDIT INFORMATION/FINANCIAL STATEMENTS.\nYou authorize OnPoint to release information to others (e.g., credit\nbureaus, merchants, and other financial institutions) regarding the\nstatus and history of your credit line. You agree to provide OnPoint,\nat any time we deem necessary, with a current financial statement\nand updated credit information upon request. We may investigate\nyour credit directly or through a credit reporting agency.\n15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD\nYou agree to notify OnPoint immediately of the loss, or the theft,\nor the use without your permission, of any Card or other credit\ninstrument or device, which we supply to you. You may be liable for\nthe unauthorized use of your Card. You will need to notify: OnPoint\nCommunity Credit Union at PO Box 31112, Tampa, FL 33631-3112\nor by telephone at 1-866-820-3101 orally or in writing of loss, theft,\nor possible unauthorized use. If you notify OnPoint of your lost or\nstolen Credit Card after discovery, you may not be liable for any\nlosses related to credit transactions. This zero liability will apply\nprovided you were not grossly negligent or fraudulent in handling\nyour Card; otherwise your liability for unauthorized VISA Credit Card\ntransactions shall not exceed $50.\n7\n\n\x0c16. YOUR CREDIT CARD BILLING RIGHTS\nKeep this document for future use. This notice tells you about your\nrights and our responsibilities under the Fair Credit Billing Act.\nA.\nWhat to do if you find a mistake on your statement. If you\nthink there is an error on your statement, write to us at: OnPoint\nCommunity Credit Union, P.O. Box 31112, Tampa, FL 33631-3279.\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount information: Your name and account number.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing . You may call us,\nbut if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nB.\nWhat will happen after we receive your letter. When we\nreceive your letter, we must do two things:\n1.\nWithin 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have already\ncorrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct\nthe 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\nWe cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not\npay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let\nthose 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\nthe first $50 of the amount you question even if your bill is correct.\n8\n\n\x0cC.\nYour rights if you are dissatisfied with your credit card\npurchases. If you are dissatisfied with the goods or services that\nyou have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase. To\nuse this right, all of the following must be true:\n1.\nThe purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed\nto you, or if we own the company that sold you the goods or services.)\n2.\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3.\nYou must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at the above address. While\nwe investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n17. AMENDMENTS.\nWe reserve the right to amend the terms of this Agreement at\nany time as permitted by and subject to any limitations and notice\nrequirements of applicable law.\n18. GOVERNING LAW.\nThis Agreement will not take effect until it is approved by OnPoint.\nThis Agreement shall be governed by the laws of the State of Oregon.\n19. NOTICE AND AGREEMENT.\nYou understand and agree to the terms and conditions in this VISA\nCredit Card Agreement. You acknowledge that you have received\na copy of the Agreement. This Agreement is a final expression of\nthe agreement between you and OnPoint. This Agreement may not\nbe contradicted by evidence of any oral agreement or alleged oral\nagreement and contains the terms applicable to the credit transaction.\n20. REWARDS.\nFeatures are subject to Terms and Conditions posted at\nwww.curewards.com.\n\nMILITARY LENDING DISCLOSURE\n\nThis Military Lending Disclosure is issued pursuant to and amends\nyour Visa Credit Card Agreement and Account Disclosures as\ndescribed below:\nA.\nBorrower Certification of Active Duty. By requesting a\nCredit Card each borrower certifies to the Credit Union that borrower:\n(i) is a Covered member as a member of the Armed Forces who\nis currently serving on active duty (under a call or order not less\nthan 30 days) Active Guard or Reserve duty; and (ii) borrower is\nthe Covered Member or is a dependent of the Covered Member.\nBorrower(s) authorize the Credit Union to verify their status as a\nCovered Member or dependent by obtaining information from the\n9\n\n\x0cdatabase of the Department of Defense or from a consumer report\nobtained from a consumer reporting agency.\nB.\nMilitary Annual Percentage Rate. Federal law provides\nimportant protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of\n36%. This rate must include, as applicable to the credit transaction or\naccount: the costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for\na credit card account); and any participation fee charged (other than\ncertain participation fees for a credit card account).\nC.\nPayment Obligation. Your payment obligation under your\nCredit Card Account is set forth in Sec. 5 in the Visa Credit Card\nAgreement.\nD.\nSecurity Interest. The Credit Union\xe2\x80\x99s security interest in all\nyour Credit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply your Credit Card Account. A security\ninterest in shares or deposits granted in connection with any other\ncredit card account, loan or line of credit does not secure the Credit\nsecuring one loan secures all of your other Credit Union obligations.\nconnection with your Credit Card Account, funds deposited in that\naccount after you establish the Credit Card Account are subject\nto our security interest as set forth above in the Visa Credit Card\nAgreement.\nE.\nCredit Union Toll-Free Telephone Number. Call 1-800-5273932 for verbal information about the Military Annual Percentage\nRate and your payment obligation.\n\n4/19\n\n10\n\nM-128051\n\n\x0c'


b'Important Cost Information about our Credit Card\nInterest Rates and Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n14.24% to 18.24% based on your creditworthiness. This APR will\n\nAPR for Cash Advances\n\n25.00%. This APR will vary with the market based on the Prime Rate.\n0% introductory APR for the first 12 billing cycles for balances transferred\nwithin 60 days from account opening. After the first 12 billing cycles, and\nfor Balance Transfers made more than 60 days from account opening,\n14.24% to 18.24% (based on your credit worthiness) if your Balance\nTransfer is treated as a Purchase, or 25.00% if your Balance Transfer is\ntreated as a Cash Advance. These APRs will vary with the market based on\nthe Prime Rate.\nYour due date is at least 21 days after the close of each billing cycle. We will\nnot charge you interest on Purchases if you pay your entire balance by the\ndue date each month. Generally, we will begin charging interest on Cash\nAdvances and Balance Transfers on the transaction date.\n\nAPR for Balance Transfers\n\nPaying Interest\n\nvary with the market based on the Prime Rate.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\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://consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\nBalance Transfer\n\xe2\x80\xa2\n\nCash Advance\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nThree percent (3%) of the amount of the Balance Transfer, with a $15\nminimum and no maximum.\nThree percent (3%) of the amount of the Cash Advance, with a $15\nminimum and a $50 maximum.\nTwo percent (2%) of the U. S. dollar amount of each Cash Advance or\nPurchase.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $35\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35\n\n\xe2\x80\xa2\n\nOver the Credit Limit\n\nNone\n\nHow We Will Calculate Your Balance: We use a method called the \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nHow we determine APRs: The Purchase and Cash Advance APRs are determined by adding a Margin to the Prime Rate. The Prime Rate is the highest Prime Rate published in The Wall Street Journal\nMoney Rates table on the fifteenth (15th) day of each month, or the next business day, if the 15th falls on a weekend or holiday. The APR for Purchases and Cash Advances will not exceed 25.00%.\nAgreement and Disclosures: Applicant applies to UMB Bank, n.a. (\xe2\x80\x9cIssuer\xe2\x80\x9d) for a credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d), and certifies that the information given in the application is true and correct.\nIf approved, Applicant agrees to pay all charges when due in accordance with the Cardholder Agreement which will be sent with the Card(s). Applicant acknowledges receipt of the Important\nCost Information disclosure on the reverse side of this application. Applicant authorizes the Issuer to obtain a credit report in connection with this application and from time to time after\nthe Account is established, to verify that the Applicant continues to qualify for the Account. Issuer may verify Applicant\xe2\x80\x99s credit, employment history and other information relating to the\nApplicant, and provide information to credit bureaus about the Issuer\xe2\x80\x99s experience with Applicant.\nCardholder Agreement: For additional information about the costs and terms of the Account, see your Cardholder Agreement, which will be sent with the Card. The Cardholder Agreement\nand the Account will be governed by Missouri and applicable federal law, but we will rely on the provisions of Nebraska law with respect to the fees and charges (other than interest) that\napply to your Account, as authorized by Missouri Revised Statutes Section 408.145. The Cardholder Agreement permits us to change the terms of this Account, including the rates, fees and\nother credit terms, upon notice to cardholder and subject to the provisions of applicable law.\nNotice to Young Applicants: If you are under 21 years of age, Federal law prohibits us from approving your application for a credit card unless you demonstrate that you have the independent\nability to make the required payments on your account, or unless you provide a guarantor or cosigner. The guarantor or cosigner must be acceptable to us and must sign our form of guaranty\nagreement.\nImportant Information About Procedures For Opening A New Account: Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we collect and verify certain\ninformation about you while processing your Account application. Please talk with a Bank representative if you have questions.\nState Disclosures: (1) MARRIED WISCONSIN RESIDENTS: You agree that (a) no provision of any marital property agreement, unilateral statement under the Wisconsin Marital Property\nLaw or court decree will adversely affect our interests unless, prior to the time credit is granted, we are given a copy of the agreement, statement, or decree or we have actual knowledge\nof the adverse provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card account\nup to its credit limit; (2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are 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 your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require\nthat all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The\nOhio Civil Rights Commission administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services\nby telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting http://\nwww.dfs.ny.gov/consumer/creditdebt.htm (5) NEW YORK AND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or the\napplication or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed is such a report\nwas ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in\nexcess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding\nbalance, at any time.\nImportant: Information about the costs of credit cards as shown in the Important Cost Information chart is accurate as of February 1, 2016, the date this document was printed. This\ninformation may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri\n64141-6734.\n\n\x0c'


b'4/19/2016\n\nCardholder Agreement\nHome\n\nOnline Banking\n\nInternet Banking\nUsername:\n\nPrivacy Policy\nClick Here\nMake Your Loan Payment*\nClick Here\n*New Look for Make a Payment\nnow live!\nApply for a Home\nEquity Line of Credit\nClick Here\nTo view a list of our\nNMLS originators\nClick Here\n\nPersonal\n\nContact Us\n\nBusiness\n\nLocations\n\nLoans\n\nAbout Us\n\nCareers\n\nCustomer Education\n\nIn the News\n\nInvestor Relations\n\nInvestar Bank Cardholder Agreement \xe2\x80\x90 Effective: March 1, 2015\nGeneral Terms: This Cardholder Agreement applies to your VISA\xc2\xae credit card account with Investar Bank, Baton Rouge, LA\n(the \xe2\x80\x9cAccount\xe2\x80\x9d). \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Investar Bank and its representatives, successors and assigns. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean each person (as an individual) and all persons (as a group) applying and responsible for paying the Account and on\nwhose behalf we issue credit cards for Account access (each, a \xe2\x80\x9cCard\xe2\x80\x9d). An \xe2\x80\x9cAuthorized User\xe2\x80\x9d is a person you authorize or\nallow to use a Card or the Account, but who did not apply for the Account. Your \xe2\x80\x9cAgreement\xe2\x80\x9d with us includes and\nincorporates your Account application; this Cardholder Agreement; other disclosures we provide with the Cardholder\nAgreement (\xe2\x80\x9cAccount Opening Disclosure\xe2\x80\x9d), with the Card (\xe2\x80\x9cCard Carrier Disclosure\xe2\x80\x9d), or on a periodic Account billing\nstatement (a \xe2\x80\x9cStatement\xe2\x80\x9d); and any future changes we make to any of these as permitted or required by law. Other\ncapitalized terms in this Cardholder Agreement are generally defined with their first use. When the Cardholder Agreement\nsays we \xe2\x80\x9cmay\xe2\x80\x9d take an action, this means we are authorized to take that action in our sole discretion, subject only to any\nlimitations or requirements established by law. Your Agreement with us becomes effective the first time any of you or any\nAuthorized User signs, activates or uses a Card or otherwise uses the Account in any way. Read the Agreement carefully and\nkeep it with your Account records. This Agreement is governed by federal law and, to the extent not preempted by federal\nlaw, by Louisiana law, including but not limited to La. Rev. Stat. Ann. \xc2\xa76:548.\nYour Promises To Us: You promise to do everything the Agreement requires of you, so long as your Account has an unpaid\nbalance, remains open to future transactions, or both. If there is more than one of you, you agree your obligations to us are\non a \xe2\x80\x9cjoint and several\xe2\x80\x9d and a \xe2\x80\x9csolidary\xe2\x80\x9d basis. Each of you and all of you promise, individually and together, to pay us all\namounts due on your Account, now and in the future. This promise applies any time the Account or a Card is used by any of\nyou or by any Authorized User, including when used for mail, telephone or Internet transactions. The amounts you must pay\ninclude amounts due for all Account transactions in each balance category, plus all Interest Charges, Fees, and other costs\nand expenses required by the Agreement. \xe2\x80\x9cInterest Charges\xe2\x80\x9d are the charges we add to your Account based on the periodic\ninterest rates we apply to your Account balances. \xe2\x80\x9cFees\xe2\x80\x9d are other charges and fees we add to your Account that are not\nbased on a periodic interest rate.\nBalance Categories. A \xe2\x80\x9cPurchase\xe2\x80\x9d means the property, rights, goods and services you purchase or otherwise obtain directly\nfrom a merchant or others by using the Account or a Card. A \xe2\x80\x9cBalance Transfer\xe2\x80\x9d means any balance we allow you to transfer\nto the Account from an account owed to another creditor, after you use any written, electronic or telephonic device or\nmethod we approve for this purpose. We treat Balance Transfers made with your Account as a type of Purchase. The term\n\xe2\x80\x9cPurchase,\xe2\x80\x9d when used in this Cardholder Agreement, will include both Purchases and Balance Transfers, unless we state\notherwise. A \xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan you obtain from us using a Card, convenience checks, or other devices or methods\nwe approve for Account access, including transactions made through a teller or Automated Teller Machine (ATM). A \xe2\x80\x9cCash\nAdvance\xe2\x80\x9d includes use of a Card or the Account to obtain an item we consider a cash equivalent, such as wire transfers,\ntravelers\xe2\x80\x99 checks, money orders, foreign currency, or stored value load. A \xe2\x80\x9cPromotional Offer\xe2\x80\x9d means the transactions added\nto your Account with unique pricing, grace periods or other promotional terms we may disclose from time to time. If you\naccept any Promotional Offer, the previously disclosed terms in the Agreement still apply, except as modified by the express\nterms of the Promotional Offer. We reserve the right to decide whether any Account transaction is a Purchase, Balance\nTransfer, Cash Advance or Promotional Offer, and our decision will be final.\nAuthorized Users: You must make sure each Authorized User uses the Account and a Card in a manner that complies with the\nAgreement. You agree that we are authorized to discuss the Account with an Authorized User. An Authorized User who uses\nyour Account is not liable to us for obligations incurred by you or by other Authorized Users, but we may require an\nAuthorized User to pay his or her own Account charges if you do not.\nUse of the Account and Card: You and any Authorized User may use the Account and a Card for Purchases, Cash Advances,\nBalance Transfers and Promotional Offers, as permitted by the Agreement and applicable law. The Cards must be signed\nimmediately after you receive them. Notify us at once if any Card, convenience check or other Account access device is lost or\nstolen or you suspect they are being used without your permission. All Cards are our property and you must return or destroy\nany or all of them if we ask. You must take reasonable steps to prevent the unauthorized use of the Account and Cards. If you\nallow someone else to use your Card, you are responsible for their Account transactions and related Interest Charges and Fees\nuntil you notify us of your decision to cancel his or her right to use a Card or the Account. You must contact us if you want to\ncancel your Account or any Card or Cards. We may suspend or close the Account or reject specific Account transactions at any\ntime, for any reason, and without advance notice to you, unless otherwise required by law. From time to time, Account\nservices may be unavailable for reasons beyond our control, such as system failures, fires, floods, natural disasters and other\nunpredictable events. If this happens, we will not be responsible or liable to you or any Authorized User. You must not use the\nAccount or Card for any purpose prohibited by law or this Agreement. You agree not to use or allow use of the Account or any\nCard for gambling purposes, whether online or otherwise. If you or an Authorized User use the Account or a Card for any\npurpose prohibited by law or this Agreement, you must still pay us for these Account transactions and all related Interest\nCharges and Fees.\nCredit Limit: We will disclose your Account credit limits at Account opening and in your Statements. We may assign different\ncredit limits to the balance categories of your Account (for example, by assigning a Cash Advance limit that is lower than the\nlimit for Purchases or the overall Account credit limit). We may increase, decrease, or restrict the credit limit that applies to\nany balance category or to the Account itself at any time and for any reason, subject only to any notices required by law. This\nwill not affect your duty to pay us. You must keep track of your Account balances and available credit and you must not allow\nyour Account to exceed any assigned credit limit. We may honor transactions above your credit limits, but, if we do, this will\nnot increase your assigned credit limits and you must immediately pay us the full amount due for these overlimit transactions.\n\nhttps://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx\n\n1/4\n\n\x0c4/19/2016\n\nCardholder Agreement\nStatements; Minimum Payments: The last day of the billing period shown on a Statement is the \xe2\x80\x9cStatement Closing Date.\xe2\x80\x9d\nThe \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on each Statement is the date your Account payment is due (a date at least 25 days after the\nprevious Statement Closing Date). The \xe2\x80\x9cNew Balance\xe2\x80\x9d is the full unpaid balance of your Account as of a Statement Closing\nDate, including the billed and unpaid amounts due for all of your Account transactions plus Interest Charges and Fees. As of\neach Statement Closing Date, we will determine the Total Minimum Payment due for your Account and disclose it on the\nStatement for that billing period. You must pay each month\xe2\x80\x99s Total Minimum Payment by the Payment Due Date shown on the\nStatement for that billing period. The Total Minimum Payment will include all past due and overlimit amounts for your\nAccount, plus the greater of: (A) $50.00 or any lesser amount that would pay the New Balance in full; or (B) 3.0% of the New\nBalance, rounded up to the nearest dollar. You may pay more than the Total Minimum Payment or pay the total New Balance\nat any time, without penalty. You must pay at least the Total Minimum Payment due after each billing period, regardless of\nthe amount of the payment made after the previous billing period. We choose which balances to pay with the Total Minimum\nPayment. We apply payments above the Total Minimum Payment to balances with the highest Annual Percentage Rates first,\nunless otherwise required by law.\nMaking Payments; Disputed Payments: Your payments to us must be made in U.S. dollars from a U.S. deposit account and\nmust otherwise be acceptable to us. We may charge you any additional costs we incur to convert payments not made in U.S.\ndollars or from a U.S. deposit account. Do not mail cash payments to us and do not make Account payments with funds\nborrowed from your Account or your other credit accounts with us. You agree to follow the payment requirements we disclose\non Statements from time to time. We may accept late payments, partial payments, or any payments marked as \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or in settlement of a dispute without losing any of our rights under this Agreement. Your communications to us about\na disputed debt, including those made on or with a payment, must be sent to us at the following address: Investar\nBank, Attn: CCS Chargeback/Dispute Dept. TA\xe2\x80\x9024, P.O. Box 30495, Tampa, FL 33630\xe2\x80\x903495.\nGrace Period: We will not charge you Interest Charges on Purchases (including Balance Transfers) if you pay your New\nBalance in full by the Payment Due Date after each billing period. This is called a grace period. There is no grace period for\nCash Advances. You pay Interest Charges on Cash Advances from the date of the Cash Advance or the first day of the billing\nperiod it is posted to your Account, whichever is later, until we are paid in full for all outstanding Cash Advances.\nCalculation of Periodic Rates: Your Account Opening Disclosure states each Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) that applies to\nyour balances when we open your Account and identifies which APRs may vary with each billing period. The Monthly Periodic\nRate we apply in each billing period is 1/12th of the corresponding APR, rounded to the nearest ten thousandth of a\npercentage point. The Card Carrier Disclosure states each APR and corresponding Monthly Periodic Rate that applies when we\nopen your Account, along with other information about how we calculate variable rates. The Prime Rate we use to determine\nthe variable APRs for each billing period is the U.S. Prime Rate published in The Wall Street Journal on the first day of the\nprior month (or, if the first day is not a business day, on the preceding business day). Your APR may change each billing\nperiod based on published changes in the Prime Rate. Your Total Minimum Payment and the number of required Account\npayments may increase if the APR increases. If The Wall Street Journal no longer publishes a prime rate, we will use a similar\npublished rate that we choose.\nHow We Calculate the Balance Subject to Interest Charges: We use a method called \xe2\x80\x9cAverage Daily Balance (including new\ntransactions).\xe2\x80\x9d With this method, we calculate the Interest Charges for each Account balance (for example, Purchases, Cash\nAdvances) by multiplying the Monthly Periodic Rate for that balance by the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of that balance. That\ngives us the total Interest Charges for that balance for that billing period. We calculate the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\ntype of Account balance. We do this by starting with the beginning amount of that balance for each day. We add any new\ncharges for that day, excluding any unpaid Interest Charges and Fees, and subtract any payments or credits. This gives us the\n\xe2\x80\x9cdaily balance\xe2\x80\x9d for each type of Account balance. We calculate the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each balance by adding all\nthe daily balances for each day in the billing period and then dividing by the total number of days in the billing period.\nFees: We may charge and you must pay the following Fees to the extent allowed by law:\n1. CASH ADVANCE TRANSACTION FEE: We will charge a $5.00 Cash Advance Fee (a Finance Charge) to your Account for each\nCash Advance.\n2. ANNUAL FEE: Your Account Opening Disclosure states whether an Annual Fee applies to your Account. If an Annual Fee\napplies, we will charge it to your Account on or near each anniversary of your Account opening date, beginning with the first\nanniversary of your Account opening.\n3. RETURNED PAYMENT FEE: If a check or other Account payment is returned to us unpaid, we will charge a $15.00 Returned\nPayment Fee to your Account as allowed by law.\n4. LATE PAYMENT FEE: If we do not receive at least your Total Minimum Payment within five (5) days after its Payment Due\nDate, we will charge a $15.00 Late Payment Fee to your Account as allowed by law.\n5. FOREIGN TRANSACTION FEE: A \xe2\x80\x9cForeign Transaction\xe2\x80\x9d is a Cash Advance or Purchase made in a country other than the\nUnited States. If a Foreign Transaction is converted into U.S. dollars from a foreign currency, the exchange rate used is\neither: (a) a rate selected by Visa from the range of rates available in the wholesale currency markets for the applicable\ncentral processing date (a rate that may vary from the one that Visa itself receives), plus or minus any adjustment we may\ndetermine; or (b) the government\xe2\x80\x90mandated rate in effect for the applicable central processing date, plus or minus any\nadjustment we may determine. The conversion may occur after the date of the Foreign Transaction and the conversion rate\nmay differ from the rate of exchange in effect at the time of the Foreign Transaction. You agree to pay the converted\namount to us in U.S. dollars. If a currency conversion occurs for a Foreign Transaction, you must pay a Foreign Transaction\nFee equal to 1% of the U.S. dollar amount of the Foreign Transaction charged to your Account. If the Foreign Transaction was\ntransacted in U.S. dollars, you must pay a Foreign Transaction Fee equal to 0.8% of the U.S. dollar amount of the Foreign\nTransaction charged to your Account.\n6. RESEARCH FEE: You must pay $3.00 for each copy of a sales slip and $4.00 for each duplicate copy of a Statement you\nrequest, unless prohibited by applicable law. We will not impose these fees if you have notified us in writing of a potential\nbilling error and you request these items in connection with the billing error.\nDefault: Subject to any limitations of applicable law, we may declare your Account to be in default at any time if: (i) you fail\nto pay us an Account payment when it is due; (ii) borrow more than permitted by your Account credit limits; (iii) any\nstatement you made to us in connection with the Account application was materially false or misleading; or (iv) you breach\n\nhttps://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx\n\n2/4\n\n\x0c4/19/2016\n\nCardholder Agreement\nany other promise or duty you owe under this Agreement. Following an event of default, we may require that you\nimmediately pay us the entire amount due for your Account and/or suspend or cancel your Account privileges, after we give\nany notice and wait any time period that may be required by applicable law. After an event of default and subject to any\nlimitations of applicable law, you agree to pay all of the reasonable costs we incur in collecting your Account balance,\nincluding reasonable attorney\xe2\x80\x99s fees in an amount not to exceed twenty\xe2\x80\x90five percent (25%) of the unpaid debt after default,\nregardless of whether we file suit against you.\nSuspension, Cancellation, Revocation: We may suspend or cancel Account privileges and the right for you or any Authorized\nUser to use a Card at any time, for any reason, and without giving you advance notice, subject only to any notices or\nlimitations expressly required by law. You agree that any such action on our part will not cancel or affect your duty to pay\neverything you owe in connection with your Account as required by the Agreement. If we revoke a Card, you must return it to\nus at our request. You may not use a Card after it has expired or been revoked. You must surrender an expired or revoked\nCard if a merchant or financial institution asks you to do so. If you ask us to cancel your Account, but you or an Authorized\nUser continues to use the Account after the date of cancellation, we will consider such use as your request to have the\nAccount reinstated. We may then reinstate your Account and bill you accordingly.\nWaiver; Severability: If we do not exercise any of our rights under this Agreement or we waive a right on any one occasion,\nyou agree this does not mean we are waiving our rights on any other occasion. If any of this Agreement conflicts with\napplicable law, you and we agree that the law will control and this Agreement will be considered changed to the extent\nneeded to comply with law. If any part of this Agreement is determined by a court of valid jurisdiction to be invalid, the\nremainder of this Agreement will remain in effect.\nChange of Billing Address \xe2\x80\x93 Notices: You must notify us immediately of any change in your billing address. Any notice given\nby us will be given to you when it is deposited in the United States Mail, postage prepaid, addressed to you at the latest\nbilling address shown on our records.\nConsent for Communications: By providing at any time the number of your land line, cell phone or other wireless device and\nyour email address, you expressly consent and agree that we and any of our affiliates, agents, service providers or assignees\nmay call you, using an automatic telephone dialing system or otherwise; may leave you a voice, prerecorded, or artificial\nvoice message; and may send you a text, e\xe2\x80\x90mail or other electronic message for any purpose related to the servicing or\ncollection of any Account, Card or loan you may receive from us or for other informational purposes related to your Account\n(each a \xe2\x80\x9cCommunication\xe2\x80\x9d). You agree that we and any of our affiliates, agents, service providers or assignees may call or\ntext you at any telephone number associated with your accounts that you provide to us now or in the future, including cellular\ntelephone numbers, and that we may send an e\xe2\x80\x90mail to any email address associated with your accounts that you provide to\nus now or in the future. To cancel your consent for use of automatic telephone dialing systems and prerecorded or artificial\nvoice messages, please write to us at Investar Bank, 10500 Coursey Blvd., 3rd Floor Loan Operations, Baton Rouge, LA 70816.\nYou also agree that we and any of our affiliates, agents, service providers or assignees may include your personal information\nin a Communication. We will not charge you for a Communication, but your service provider may. You agree that we and our\nagents and service providers may monitor and record telephone calls about your Account to assure service quality and for\nother legitimate business reasons. In addition, you understand and agree we and any of our affiliates, agents, service\nproviders or assignees may always communicate with you in any manner permissible by law that does not require your prior\nconsent.\nTransfer and Assignment; Change of Rates, Fees, and Terms: You may not transfer your Account or any of your rights and\nduties under this Agreement. Any such transfer will be void. We may transfer your Account and any of our rights and duties\nunder this Agreement at any time. We may also change the rates, fees, and terms of your Account and this Agreement at any\ntime, after we give you any notice and wait any time period that may be required by law. We will, if required by law or at\nour discretion, allow you to reject certain changes and close your Account to future transactions. If this happens, you must\nstill pay all of the Interest Charges, Fees and the unpaid Account balances as required by this Agreement.\nTo Cardholders in the United States. Your Billing Rights \xe2\x80\x93 Keep This Notice for Future Use. This notice contains\nimportant information about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find a\nMistake on Your Statement. If you think there is an error on your statement, write to us at: Investar Bank, Attn:\nChargeback/Dispute Dept. TA\xe2\x80\x9024, P.O. Box 30495, Tampa, FL 33630\xe2\x80\x903495. In your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is\nwrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect. While we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nhttps://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx\n\n3/4\n\n\x0c4/19/2016\n\nCardholder Agreement\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If\nyou are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith\nto correct the problem with merchant, you 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we made to you, or if we own the company that sold you the goods or services.)\n2. You must have used you 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. If all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at: Investar Bank, Attn: Chargeback/Dispute Dept. TA\xe2\x80\x9024, P.O. Box 30495, Tampa, FL 33630\xe2\x80\x90\n3495 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and do not pay, we may report you as delinquent.\nHelpful Links\n\nCalculators\n\nhttps://www.investarbank.com/Personal/CreditCards/CardholderAgreement.aspx\n\nDisclaimers\n\n4/4\n\n\x0c'