b'1212 Huxley St\nMadison, WI 53704-4224\n1-888-432-8496\n\nVisa Platinum Card\nVisa Platinum Secured Card\nVisa Signature Rewards Card\nConsumer Credit Card Agreement\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer\nCredit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the\nCredit Card Account Opening Disclosure. The\nAccount Opening Disclosure is incorporated into this\nConsumer Credit Card Agreement and is part of the\nAgreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d\nand "yours" mean each and all of those who agree to\nbe bound by this Agreement; "card" means the Visa\ncredit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account"\nmeans your Visa credit card line-of-credit account\nwith the Credit Union; and "Credit Union" means the\nCredit Union whose name appears on this Agreement\nor anyone to whom the Credit Union transfers this\nAgreement.\n1. USING YOUR ACCOUNT - If you are approved for\nan account, the Credit Union will establish a line of\ncredit for you. You agree that your credit limit is the\nmaximum amount (purchases, cash advances,\nfinance charges, plus "other charges") which you will\nhave outstanding on your account at any time. Unless\ndisclosed otherwise, the Credit Union will not allow\nadvances over the credit limit. If the Credit Union has\na program whereby it allows payment of advances\nthat exceed your credit limit, subject to a fee, the\nCredit Union will provide you with notice, either orally,\nin writing, or electronically (notwithstanding the\nrequirements of the paragraph entitled \xe2\x80\x9cStatements\nand Notices\xe2\x80\x9d) explaining your right to opt in to the\nCredit Union\xe2\x80\x99s program whereby it will honor advance\nrequests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a\nprogram. You may request an increase in your credit\nlimit only by a method acceptable to the Credit Union.\nThe Credit Union may increase or decrease your\ncredit limit, refuse to make an advance and/or\nterminate your account at any time for any reason not\nprohibited by law. If you are permitted to obtain cash\nadvances on your account, we may, from time to time,\nissue convenience checks to you that may be drawn\non your account. Convenience checks may not be\nused to make a payment on your account balance. If\nyou use a convenience check, it will be posted to your\naccount as a cash advance. We reserve the right to\nrefuse to pay a convenience check drawn on your\n\naccount for any reason and such refusal shall not\nconstitute wrongful dishonor.\nYou may request that we stop the payment of a\nconvenience check drawn on your account. You\nagree to pay any fee imposed to stop a payment on a\nconvenience check issued on your account. You may\nmake a stop payment request orally, if permitted, or in\nwriting. Your request must be made with sufficient\ntime in advance of the presentment of the check for\npayment to give us a reasonable opportunity to act on\nyour request. In addition, your request must\naccurately describe the check including the exact\naccount number, the payee, any check number that\nmay be applicable, and the exact amount of the\ncheck. If permitted, you may make a stop payment\nrequest orally but such a request will expire after 14\ndays unless you confirm your request in writing within\nthat time. Written stop payment orders are effective\nonly for six (6) months and may be renewed for\nadditional six month periods by requesting in writing\nthat the stop payment order be renewed. We are not\nrequired to notify you when a stop payment order\nexpires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment\norder, you agree to sign a statement describing the\ndispute with the payee, to assign to us all of your\nrights against the payee or other holders of the check\nor draft and to assist us in any legal action. You agree\nto indemnify and hold us harmless from all costs and\nexpenses, including attorney\'s fees, damages, or\nclaims, related to our honoring your stop payment\nrequest or in failing to stop payment of an item as a\nresult of incorrect information provided to us or the\ngiving of inadequate time to act upon a stop payment\nrequest.\n2. USING YOUR CARD - You understand that the\nuse of your credit card or credit card account will\nconstitute acknowledgement of receipt and\nagreement to the terms of the Credit Card Agreement\nand Credit Card Account Opening Disclosure\n(Disclosure). You may use your card to make\npurchases from merchants and others who accept\nyour card. The credit union is not responsible for the\nrefusal of any merchant or financial institution to\nhonor your card. If you wish to pay for goods or\nservices over the Internet, you may be required to\nprovide card number security information before you\nwill be permitted to complete the transaction. In\naddition, you may obtain cash advances from the\n\n\x0cCredit Union, from other financial institutions that\naccept your card, and from some automated teller\nmachines (ATMs). (Not all ATMs accept your card.) If\nthe credit union authorizes ATM transactions with\nyour card, it will issue you a personal identification\nnumber (PIN). To obtain cash advances from an\nATM, you must use the PIN issued to you for use with\nyour card. You agree that you will not use your card\nfor any transaction that is illegal under applicable\nfederal, state, or local law. Even if you use your card\nfor an illegal transaction, you will be responsible for all\namounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash\nadvances on your account, you may also use your\ncard to purchase instruments and engage in\ntransactions that we consider the equivalent of cash.\nSuch transactions will be posted to your account as\ncash advances and include, but are not limited to,\nwire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph\nshall not be interpreted as permitting or authorizing\nany transaction that is illegal.\n3. PROMISE TO PAY - You promise to pay all\ncharges (purchases, cash advances, balance\ntransfers, use of convenience checks or any other\ncharge) made to your account by you or anyone you\nauthorize to use your account. You also promise to\npay all finance charges and other charges added to\nyour account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If\nthis is a joint account, the paragraph on JOINT\nACCOUNTS also applies to your account.\n4. PERIODIC RATES - The periodic rates applicable\nto purchases, cash advances, and balance transfers\nare disclosed on the Disclosure that accompanies this\nAgreement. Any penalty rate that may be imposed for\nfailing to make a payment by the payment due date is\nalso disclosed on the Disclosure. Any rate change will\nbe made pursuant to applicable law. If the rate for\nyour account is variable, as indicated on the\naccompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any\npenalty rate will vary periodically as disclosed in the\nDisclosure accompanying this Agreement. The initial\nrate on your account for certain types of transactions\nmay be an introductory discounted rate (Introductory\nRate) that is lower than the rate that would ordinarily\napply for that type of transaction. If an Introductory\nRate applies to your account, the rates and the period\nof time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory\nRate period expires, the periodic rate will\nautomatically increase to the rates that would\nordinarily apply for that type of transaction based on\nthe terms of this Agreement.\n\nVariable rates may change when the Prime Rate\nchanges. We calculate variable rates by adding a\npercentage to the Prime Rate published in The Wall\nStreet Journal on the 25th day of each month. If the\nJournal is not published on that day, then see the\nimmediately preceding edition. If Prime changes, your\nnew rate will take effect on your next billing period. If\nthe APR associated with an offer is variable, the APR\nwill equal: Non-introductory Purchase APR - Prime\nplus a margin between 4.74% and 14.74%.\n5. FINANCE CHARGES - New purchases posted to\nyour account during a billing cycle will not incur a\nfinance charge for that billing cycle. Finance charge\nbegins to accrue on those purchases from the first\nday of the next billing cycle, unless you paid the entire\nnew balance on the previous cycle\xe2\x80\x99s billing statement\nby the payment due date of that statement. To avoid\nan additional finance charge on the balance of\npurchases, you must pay the entire new balance on\nthe billing statement by the payment due date of that\nstatement. A finance charge begins to accrue on cash\nadvances from the date you get the cash advance or\nfrom the first day of the billing cycle in which the cash\nadvance is posted to your account, whichever is later\n(transaction date).\nThe finance charge is calculated separately for\npurchases and cash advances. For purchases, the\nfinance charge is computed by applying the periodic\nrate to the average daily balance of purchases. To\ncalculate the average daily balance of purchases, we\ntake the beginning outstanding balance of purchases\neach day and subtract any payments and/or credits\nthat we apply to the purchase balance. (We do not\nadd in any purchases posted during the billing cycle.)\nThis gives us the daily balance of purchases. We then\nadd all of the daily balances of purchases for the\nbilling cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed\nby applying the periodic rate to the average daily\nbalance of cash advances. To calculate the average\ndaily balance of cash advances, we take the\nbeginning outstanding balance of cash advances\neach day, add in any new cash advances, and\nsubtract any payments and/or credits that we apply to\nthe cash advance balance. This gives us the daily\nbalance of cash advances. We then add all of the\ndaily balances of cash advances for the billing cycle\ntogether and divide the total by the number of days in\nthe billing cycle. This gives us the average daily\nbalance of cash advances. Balance transfers are\ncalculated in the same manner as cash advances.\n\n\x0c6. FOREIGN TRANSACTIONS - Purchases and cash\nadvances made in foreign currencies will be debited\nfrom your account in U.S. dollars. The exchange rate\nbetween the transaction currency and the billing\ncurrency used for processing international\ntransactions is a rate selected by Visa from a range of\nrates available in wholesale currency markets for the\napplicable central processing date, which rate may\nvary from the rate Visa itself receives or the\ngovernment-mandated rate in effect for the applicable\ncentral processing date. The exchange rate used on\nthe processing date may differ from the rate that\nwould have been used on the purchase date or\ncardholder statement posting date. A fee (finance\ncharge), calculated in U.S. dollars, will be imposed on\nall foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign\ntransaction is any transaction that you complete or a\nmerchant completes on your card outside of the\nUnited States, with the exception of U.S. military\nbases, U.S. territories, U.S. embassies or U.S.\nconsulates. The Foreign transaction Fee is set forth\non the Disclosure accompanying this Agreement.\n7. FEES - In addition to the periodic rate, the following\nadditional fees may be imposed on your account. If\napplicable to your account, the fee amounts and\nexplanations are disclosed on the Disclosure\naccompanying this Agreement. Your account may\nalso be subject to additional fees as set forth on the\nDisclosure accompanying this Agreement\na. Cards and Plastics Fee. If your account is subject\nto a card order fee or card replacement fee, a fee may\nbe charged to your account for a rush replacement\ncard order and/or a customized Design Your Own\nCard (DYOC) order or replacement.\nb. Foreign Transaction Fee (Finance Charge). If\nyour account is subject to a Foreign Transaction Fee\n(finance charge), a fee may be charged to your\naccount for transactions made outside of the United\nStates or in a foreign currency. d. Late Payment Fee.\nA late fee will be charged to your account if you make\nyour payment later than the fifth day after the\npayment\'s due date.\nc. Cash Advance Fee (Finance Charge). If your\naccount is subject to a Cash Advance Fee (finance\ncharge), the fee will be charged to your account when\nyou obtain a cash advance from an ATM, the Credit\nUnion or other financial institution.\nd. Late Payment Fee. A late fee will be charged to\nyour account if you make your payment later than the\nfifth day after the payment\'s due date.\n\ne. Returned Payment Fee. If your account is subject\nto a Returned Payment Fee, the fee will be charged to\nyour account when a payment is returned for any\nreason.\n8. PAYMENTS - Each month you must pay at least\nthe minimum payment shown on your statement by\nthe date specified on the statement. You may pay\nmore frequently, pay more than the minimum\npayment or pay the total new balance in full. If you\nmake extra or larger payments, you are still required\nto make at least the minimum payment each month\nyour account has a balance (other than a credit\nbalance). The minimum payment is 2.00% of your\ntotal new balance, or $25.00, whichever is greater,\nplus the amount of any prior minimum payments that\nyou have not made, all outstanding unpaid fees and\ncharges, and any amount you are over your credit\nlimit by the date specified on the statement. The\nCredit Union also has the right to demand immediate\npayment of any amount by which you are over your\ncredit limit.\n9. PAYMENT ALLOCATION - Subject to applicable\nlaw, your payments may be applied to what you owe\nthe Credit Union in any manner the Credit Union\nchooses. However, in every case, in the event you\nmake a payment in excess of the required minimum\nperiodic payment, the Credit Union will allocate the\nexcess amount first to the balance with the highest\nannual percentage rate and any remaining portion to\nthe other balances in descending order based on\napplicable annual percentage rate.\n10. SECURITY INTEREST - You grant the Credit\nUnion a security interest under the Uniform\nCommercial Code and under any common law rights\nthe Credit Union may have in any goods you\npurchase. If you give the Credit Union a specific\npledge of shares by signing a separate pledge of\nshares, your pledged shares will secure your account.\nYou may not withdraw amounts that have been\nspecifically pledged to secure your account until the\nCredit Union agrees to release all or part of the\npledged amount.\nYour Account is secured by all other shares you\nhave in any individual or joint account with the\nCredit Union, except for shares in an Individual\nRetirement Account or in any other account that\nwould lose special tax treatment under state or\nfederal law if given as security. These other\nshares may be withdrawn unless you are in\ndefault under this agreement. You authorize the\nCredit Union to apply the balance in your\nindividual or joint share accounts to pay any\namounts due on your Account if you should\ndefault.\n\n\x0cCollateral securing other loans you have with the\nCredit Union may also secure this loan, except that a\ndwelling will never be considered as security for this\naccount, notwithstanding anything to the contrary in\nany other agreement.\n11. DEFAULT - Upon default, the entire outstanding\nbalance due under this Agreement shall, unless\nexcused by our Board of Directors, become\nimmediately due and payable, subject only to any\nright to cure default which you may have under\nSection 425.105 of the Wisconsin Statutes. A default\nshall be deemed to have occurred if (a) you fail to\nmake payments when due on two occasions within\nany 12-month period, or (b) you fail to observe any\nother covenant of this Agreement, you or your spouse\ndie, change marital status, change marital domicile or\nbecome insolvent or subject of a bankruptcy or other\ninsolvency proceeding, if such failure, act or\noccurrence materially impairs your ability to pay the\namount due under this Agreement or breach of which\nmaterially impairs the condition, value or protection of\nthe merchant\'s rights in any collateral securing the\ntransaction. In addition, notwithstanding Sections\n425.103 and 425.105 of the Wisconsin Statutes, in\nthe event we receive a notice of termination of this\nAgreement from the spouse of a borrower pursuant to\nSection 766.565(5), Wisconsin Statutes, we may\ndeclare the entire outstanding balance of the\nAgreement immediately due and payable. If\nimmediate payment is demanded, you agree to\ncontinue paying finance charges at the periodic rate\ncharged before the default, until what you owe has\nbeen paid, and any shares that were given as security\nfor your account may be applied towards what you\nowe.\n12. LIABILITY FOR UNAUTHORIZED USELOST/STOLEN CARD NOTIFICATION \xe2\x80\x93 Notify us at\nonce at 888-432-8496 during normal business hours\nor at (800) 449-7728 after hours or on weekends and\nholidays, or write to us at PO Box 14047, Madison, WI\n53708-0047 if you believe Your Card or PIN have\nbeen lost or stolen, or if you believe that an electronic\nfund transfer has been made without Your\npermission. Telephoning is the best way of keeping\nYour possible losses down. If you notify us within two\nbusiness days after you learn of the loss or theft of\nYour Card or PIN, You can lose no more than $50 if\nsomeone uses Your Card or PIN without your\npermission. If You fail to notify us within two business\ndays after the loss or theft of Your Card or PIN and\nWe can prove that We could have stopped someone\nfrom using Your Card or PIN without your permission\nif You had told Us, then You could lose as much as\n$500. Additionally, if Your periodic statement shows\ntransactions that You did not make, including those\nmade by Card, PIN or other means, You will tell at\nOnce. If You fail to notify Us within 60 days after We\n\nmail you the first periodic statement on which the\ntransfer appears, You could lose up to the entire\ncredit line, if we can prove that We could have\nstopped someone from taking Your money if You had\ngiven Us notice in time. If a valid reason (such as a\nlong trip or hospital stay) keeps You from giving Us\nnotice, We will extend the time periods.\n13. CHANGING OR TERMINATING YOUR\nACCOUNT - As permitted by law, the Credit Union\nmay change the terms of this Agreement and any\nattached Disclosure from time to time. Notice of any\nchange will be given in accordance with applicable\nlaw. To the extent permitted by law, changes to the\nAgreement may apply to your existing account\nbalance as well as to future transactions.\nEither you, your spouse or the Credit Union may\nterminate this Agreement at any time, but termination\nby you, your spouse or the Credit Union will not affect\nyour obligation to pay the account balance plus any\nfinance and other charges you or your spouse owe\nunder this Agreement. Your obligation to pay the\naccount balance plus any finance and other charges\nyou owe under this agreement are subject to all\napplicable laws and regulations regarding repayment\nrequirements.\nThe card or cards you receive remain the property of\nthe Credit Union and you must recover and surrender\nto the Credit Union all cards upon request or upon\ntermination of this Agreement whether by you or the\nCredit Union.\n14. CHANGING OR TERMINATING AUTHORIZED\nUSERS - Upon your request, we may issue additional\ncards for authorized users that you designate. You\nmust notify us in writing of any termination of an\nauthorized user\'s right to access your account. Your\nletter must include the name of the authorized user\nand your account number and/or any subaccount\nnumber issued to the authorized user along with the\nauthorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you\ncannot return the authorized user\'s card or access\nchecks and if you request your account to be closed,\nwe will close your account and you may apply for a\nnew account.\n15. CREDIT REVIEW AND RELEASE OF\nINFORMATION - You authorize the Credit Union to\ninvestigate your credit standing when opening or\nreviewing your account. You authorize the Credit\nUnion to disclose information regarding your account\nto credit bureaus and creditors who inquire about your\ncredit standing. If your account is eligible for\nemergency cash and/or emergency card replacement\nservices, and you request such services, you agree\n\n\x0cthat we may provide personal information about you\nand your account that is necessary to provide you\nwith the requested service(s).\n16. RETURNS AND ADJUSTMENTS - Merchants\nand others who honor your card may give credit for\nreturns or adjustments, and they will do so by sending\nthe Credit Union a credit slip which will be posted to\nyour account. If your credits and payments exceed\nwhat you owe the Credit Union, the amount will be\napplied against future purchases and cash advances.\nIf the credit balance amount is $1.00 or more, it will be\nrefunded upon your written request or automatically\nafter six (6) months.\n17. ADDITIONAL BENEFITS/CARD\nENHANCEMENTS - The Credit Union may from time\nto time offer additional services to your account, such\nas travel accident insurance, at no additional cost to\nyou. You understand that the Credit Union is not\nobligated to offer such services and may withdraw or\nchange them at any time.\n18. MERCHANT DISPUTES - The Credit Union is not\nresponsible for the refusal of any merchant or\nfinancial institution to honor your card. Please refer to\nYour Rights if You Area Dissatisfied With Your Credit\nCard Purchase of this agreement for more information\non merchant disputes.\n19. JOINT ACCOUNTS - If this is a joint account,\neach of you will be individually and jointly responsible\nfor paying all amounts owed under this Agreement.\nThis means that the Credit Union can require any one\nof you individually to repay the entire amount owed\nunder this Agreement. Each of you authorizes the\nother(s) to make purchases or cash advances\nindividually. Any one of you may terminate the\naccount and the termination will be effective as to all\nof you.\n20. EFFECT OF AGREEMENT - This Agreement is\nthe contract which applies to all transactions on your\naccount even though the sales, cash advances, credit\nor other slips you sign or receive may contain different\nterms.\n21. NO WAVIER - The Credit Union can delay\nenforcing any of its rights any number of times without\nlosing them.\n\n23. SEVERABILITY AND FINAL EXPRESSION This Agreement and the Disclosure are the final\nexpression of the terms and conditions of your\naccount. This written Agreement and Disclosure may\nnot be contradicted by evidence of any alleged oral\nagreement. Should any part of this Agreement or the\nDisclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall\nremain in effect and fully enforceable to the fullest\nextent possible under this Agreement.\n24. COPY RECEIVED - You acknowledge that you\nhave received a copy of this Agreement and\nDisclosure.\n25 INTERNET GAMBLING TRANSACTIONS\nPROHIBITED - You may not use your card to initiate\nany type of electronic gambling transaction through\nthe Internet.\nWhat To Do If You Find A Mistake On Your\nStatement If you think there is an error on your\nstatement, write to us at:\nHeritage Credit Union\n1212 Huxley St\nMadison, WI 53704\nOR\nPO Box 14047\nMadison, WI 53708-0047\nYou may also contact us on the Web:\nhttps://www.heritagecu.org/contact-us/\nIn your letter, give us the following information:\n- Account information: Your name and account\nnumber.\n- Dollar amount: The dollar amount of the suspected\nerror.\n- Description of the problem: If you think there is an\nerror on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\n\nYour Billing Rights: Print this\nDocument for Future Use\nYou must contact us:\n\n22. STATEMENTS AND NOTICES - Statements and\nnotices will be mailed to you at the appropriate\naddress you have given the Credit Union. If you both\nreside at the same address, one copy of any notice\nrequired by the Wisconsin Consumer Act will be sent\nto both of you at that address; otherwise, separate\nnotices will be sent to separate addresses.\n\n- Within 60 days after the error appeared on your\nstatement.\n- At least 3 business days before an automated\npayment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\n\n\x0cYou must notify us of any potential errors in writing [or\nelectronically]. You may call us, but if you do we are\nnot required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct. While we investigate\nwhether or not there has been an error:\n- We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n- The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n- While you do not have to pay the amount in\nquestion, you are responsible for the remainder of\nyour balance.\n- We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n- If we made a mistake: You will not have to pay the\namount in question or any interest or other fees\nrelated to that amount.\n- If we do not believe there was a mistake: You will\nhave to pay the amount in question, along with\napplicable interest and fees. We will send you a\nstatement of the amount you owe and the date\npayment is due. We may then report you as\ndelinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill\nis wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the\nname of anyone to whom we reported you as\ndelinquent, and we must let those organizations know\nwhen the matter has been settled between us.\n\nIf we do not follow all of the rules above, you do not\nhave to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights if You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that\nyou have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this\nright, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you\nthe goods or services.)\n2. You must have used your credit card for the\npurchase. Purchases made with cash advances from\nan ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase. If\nall of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing [or\nelectronically] at:\nHeritage Credit Union\n1212 Huxley St\nMadison, WI 53704\nOR\nPO Box 14047\nMadison, WI 53708-0047\nhttps://www.heritagecu.org/contact-us/\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\n\x0c'


b'CREDIT CARD AGREEMENT\nAND DISCLOSURE\nVariable Rate\n\nUnited States Senate\nFederal Credit Union\nMEMBER/BORROWER(S) NAME AND ADDRESS\n\nACCOUNT/MEMBER NO.\n\nDATE\n\nJohn Sample\nJane Sample\n123 Main Street\nAnywhere, USA 00001\n\n00000000\n\n03/25/16\n\nCREDIT LIMIT\n$0\n\nInterest Rates and Interest\nCharges\n\n\xef\x82\xa8 VISA Smart Rate\n\nANNUAL PERCENTAGE RATE\nfor Purchases\n\n10.50\n\n\xef\x81\xb8 VISA Smart Rewards\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\n10.50\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\n10.50\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\nMinimum Interest Charge\n\nPaying Interest\nFor Credit Card Tips from\nThe Consumer Financial\nProtection Bureau\nFEES\nSet-up And Maintenance Fees\nAnnual Fee\nDocument Copy Fee\nTransaction Fees\nCash Advance & Balance\nTransfers\nForeign Transactions\nPenalty Fees Late\nPayment\nReturned Payment\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite\nof\nthe\nConsumer\nFinancial\nProtection\nBureau\nat:\nhttp://www.consumerfinance.gov/learnmore\n\nNone\n$20.00 for each copy of a merchant draft.\n\nNone\n1% of the transaction amount.\n\nUp to $35.00 if your payment is received after the due date. Up\nto $35.00 for each returned payment.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases)\xe2\x80\x9d. See your account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement.\nPeriodic Rate:\n%\nThe Purchase, Cash Advance and Balance Transfer daily periodic rate is\n0.02877\nMargin:\n\nThe Purchase, Cash Advance and Balance Transfer margin is\n\n6.00\n\n%\n\n\x0c2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\nPage 1 of 3\n\nCREDIT CARD AGREEMENT AND DISCLOSURE (continued)\nThis Agreement will establish the terms and conditions of your credit card agreement with United States Senate Federal Credit Union. In this agreement, the\nwords "you" and "your" mean any person receiving and using the card and that by using the card for the first time "you" agree to all terms and conditions in\nthis agreement. "Card" means the VISA Smart Rate or VISA Smart Rewards credit card and any duplicates and renewals the Credit Union issues. "Account"\nmeans your VISA Smart Rate or VISA Smart Rewards credit card account with the Credit Union. "Credit Union," "we," "us," and "our" mean United States\nSenate Federal Credit Union. You must be a member of the Credit Union to apply for a credit card. Except to the extent that Federal Law is applicable, the\nlaws of the Commonweatlh of Virginia shall govern the validity, construction and enforcement of this Agreement and all matters arising out of the issuance\nand use of the Card.\nUSING THE ACCOUNT: Upon your approval for an account, the Credit Union MONTHLY PAYMENTS: Each payment you make on the account will restore\nwill establish a line of credit for you. Notification of your limit will be made when your credit limit by the amount of the payment that is applied to the principal\nthe card is sent to you. You agree not to let your account balance exceed your amount of purchases and cash advances. At any time your total new balance\napproved credit limit.\nexceeds your credit limit, you must immediately pay the amount over your\nRESPONSIBILITY: You promise to pay any and all charges incurred by you credit limit.\nor by any person whom you authorize to use the Credit Card issued to you, A PAYMENT IS REQUIRED EACH MONTH: You must pay at least the\nand any fees or charges incurred in the recovery of a credit card, retrieval of minimum payment shown on your statement by the date specified on your\ntransaction data, or collection of this account in accordance with the terms and monthly statement. You can repay any outstanding balance prior to maturity\nconditions issued by VISA International, Inc., and in accordance with the in whole or in part at your option without penalty. Your monthly payment must\npolicies established by the Credit Union.\nbe made directly to the address shown on your statement. If available, you\nYour obligation to pay the amount owed on your account continues until paid may have your minimum payment automatically deducted from your checking\nin full even though an agreement, divorce decree or other court judgment to or savings account. Payments received after 9:00 PM (Eastern Time) each\nwhich the Credit Union is not a party may direct someone else to pay the day will be considered received on the next business day.\naccount balance.\nThe minimum periodic payment required for VISA Smart Rate and VISA Smart\nJOINT ACCOUNT: If more than one person applies for the card each is Rewards will be either (a) 2.25% of your total new balance, minimum of $15\nindividually responsible for all amounts owed on the account and is jointly and or (b) your total new balance if it is less than $15, plus (c) any portion of\nseverally responsible for all amounts owed. This means the Credit Union can minimum payments shown on prior statements which remain unpaid and any\nenforce the Agreement against any of you individually or all of you together. other applicable charges. You will also be required to pay any amounts over\nEach may obtain credit advances without the knowledge of the other and both your credit limit or past due amounts.\nare obligated to repay all advances made to the account. You agree to notify VISA Smart Rate and VISA Smart Rewards payments will be applied first to\nthe Credit Union of any address change.\nbilled fees, then to any previously billed and unpaid Finance Charges on\nUSING THE CARD: You may use the card issued to you to make purchases purchases and cash advances, then to the principal balance of purchases in\nfrom anyone who accepts VISA Credit Cards. You may also obtain cash the order they were posted to your account and then to the principal balance\nadvances from the Credit Union, from other financial institutions participating of cash advances. If two or more purchases were posted on the same day,\nin the VISA program and from automated teller machines (ATM\'s) that provide your payment will be applied to the lowest amount first. However, in every\naccess to the VISA system. Your VISA Personal Identification Number (PIN) case, in the event you make a payment in excess of the required minimum\nis needed to obtain cash advance from an ATM. You agree not to use the card periodic payment, the Credit Union will allocate the excess amount first to the\nfor any illegal transactions such as advances for gambling or wagering where balance with the highest annual percentage rate and any remaining portion to\nthe other balances in descending order based on applicable annual\nthese practices are in violation of the law.\npercentage rate. You understand that any payment that delays the repayment\nVARIABLE RATE: Your account is subject to a Variable Rate which is based of Your unpaid balance will increase Your Finance Charge and any payment\non the highest Prime Rate as published in the Money Rates Section of The that accelerates the reduction of Your unpaid balance will decrease Your\nWall Street Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) in effect on the last day of each calendar quarter Finance Charges.\nplus our Margin. The Index plus the Margin equals the Interest Rate. Changes\nin the Index will cause changes in the Interest Rate on the first day of the next CREDIT BALANCES: If there is a credit balance due you, you may request in\nbilling cycle following the change. Increases or decreases in the Interest Rate writing a full refund of this credit balance at our address shown in this\nwill result in like increases or decreases in the Finance Charge and will affect Agreement.\nthe amount of your regularly scheduled payments that you will be required to SECURITY: You grant us a security interest under the Uniform Commercial\nmake.\nCode and under any common law rights the Credit Union may have in any\nThere is no limit on the amount by which the annual percentage rate can goods you purchase. If you give the Credit Union a specific pledge of shares\nchange during any change date other than the maximum and minimum Annual by signing a separate pledge of shares, your pledged shares will secure your\nPercentage Rates. The maximum ANNUAL PERCENTAGE RATE that can account. You may not withdraw amounts that have been specifically pledged\nto secure your account until the Credit Union agrees to release all or part of\n%.\napply is 18.00\nthe pledged amount.\nFINANCE CHARGES: The monthly periodic rate assessed on your account\nYour Account is secured by all other shares you have in any\nis based on an annual percentage rate corresponding to a daily periodic rate\nindividual or joint account with the Credit Union, except for shares in\nand the type of account. A Finance Charge will be imposed on Credit\nan Individual Retirement Account or in any other account that would\nPurchases only if you elect not to pay the entire New Balance shown on your\nlose special tax treatment under state or federal law if given as\nmonthly statement for the previous billing cycle within 25 days from the date\nsecurity. These other shares may be withdrawn unless you are in\nof that statement. If you elect not to pay the entire new balance shown on your\ndefault under this agreement. You authorize the Credit Union to apply\nprevious monthly statement within that 25 day period, a Finance Charge will\nthe balance in your individual or joint share accounts to pay any\nbe imposed on the unpaid average daily balance of such Credit Purchases\namounts due on your Account if you should default.\nfrom the date of posting to your account during the current billing cycle, and\nCROSS-COLLATERAL:\nIf you have other loans with us, or take out other\nwill continue to accrue until the date of the billing cycle preceding the date on\nwhich the entire New Balance is paid in full or until the date of payment if more loans with us in the future, collateral securing those loans will also secure your\nthan 25 days from the closing date. Cash Advances are always subject to obligations under this Agreement. However, unless you expressly agree\na Finance Charge from the date they are posted to your account and are otherwise, no dwelling secures your obligation.\nnot subject to the 25-day grace period.\nDEFAULT: You will be in default: (1) if you fail to make any minimum payment\nBalance Subject to Finance Charges: The balances subject to finance or other required payment by the date that it is due, (2) if you break any\ncharge are the average daily transaction balances outstanding during the promise you make under this Agreement, (3) if you die, file for bankruptcy or\nmonth (new and previous). The Average Daily Balance is determined by become insolvent, that is, unable to pay your obligations when they become\nadding, after subtracting all payments, credits, and cash advances for the due, (4) if any attachment or garnishment proceedings are initiated against\nbilling period in which they were made, all the outstanding advance balances you or your property, (5) if you default on any other indebtedness to the Credit\nand billed but unpaid finance charges for each calendar day of the billing Union, (6) if you make any false or misleading statement in any credit\nperiod and then dividing the total by the number of days in that billing period. application or credit update, or (7) if something happens that the Credit Union\nPurchases posted to your Account during the billing period are included only believes may substantially reduce your ability to repay what you owe.\nif the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your previously assessed bill was not paid in full by When you are in default, the Credit Union has the right to demand immediate\nthe grace period.\npayment of your full account balance without notice. If immediate payment is\nOTHER CHARGES: a) $10 for each replacement Card, b) $20 for each VISA demanded, you will continue to pay Finance Charges, at the periodic rate\nmerchant draft that you request; and c) Up to $35 for each returned payment. charged before default, until what you owe has been paid, and any shares that\nThe fees and charges will be handled by the Credit Union as an adjustment to were given as security will be applied towards what you owe.\nthe account balance and will not be charged a Finance Charge.\nIf collections efforts are required by the Credit Union, you agree to pay all costs\nLATE CHARGE: If your payment is received after the payment due date, you and expenses incurred in the collection of any sum due, and in addition, if the\nholder hereof, after default, shall place this note in the hands of an attorney or\nwill be charged up to $35.\ncollection agency, for collection, to pay reasonable attorney\xe2\x80\x99s fees, interest\n\n\x0cand fines due on this note at the time of the employment of such attorney or or 1 (800) 374-2758, Monday thru Friday, 8:30am to 4:00 pm Eastern Time.\ncollection agency.\nAfter hours, call 1 (800) 682-6075. If overseas, call collect (206) 352-4950.\nCREDIT INFORMATION: You understand that the Credit Union will review MERCHANT DISPUTES: The Credit Union is not responsible for the refusal\nyour accounts periodically, and you hereby give your permission to, and of any merchant or financial institution to honor the card. The Credit Union is\nauthorize the Credit Union to investigate and reassess your creditworthiness. subject to claims and defenses (other than tort claim) arising out of goods or\nYou authorize the Credit Union to obtain information concerning your credit services you purchase with the card if you have made a good faith attempt but\nhistory from all available sources now and in the future. You authorize the have been unable to obtain satisfaction from the merchant or service provider,\nCredit Union to disclose information regarding your account to credit bureaus and (a) your purchase was made in response to an advertisement the Credit\nand creditors who inquire about your credit standing.\nUnion sent or participated in sending to you; or (b) your purchases cost more\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the than $50.00 and was made in your state or within 100 miles of your home.\nunauthorized use of the card. You will not be liable for unauthorized use that CHANGING OR TERMINATING YOUR ACCOUNT: You agree that the Credit\noccurs after the issuer is notified, orally or in writing at the address shown in Union may change the terms of this Agreement from time to time after giving\nthis Agreement. If your card is lost or stolen you must report it to us you any advance notice required by law at your last known address. To the\nimmediately.\nextent the law permits, and indicated in the notice to you, the change will apply\nLOSS OR THEFT OF CARD: If your Card, PIN or Account Number are lost to your existing account balance as well as to future transactions. Your use of\nor stolen, you should immediately call (202) 224-2967 (within DC Metro Area) the card after receiving notice or a change will also indicate your agreement\nto the change.\n\nPage 2 of 3\n\n2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\nCREDIT CARD AGREEMENT AND DISCLOSURE (continued)\nYou may request an increase in your credit limit either by written application or\nby phone. The Credit Union has the right to reduce or terminate your credit limit\nat any time. You understand and acknowledge that such action shall not affect\nyour obligation to pay any outstanding balance PLUS any finance and other\ncharges you owe under this Agreement. Accounts that have been inactive for\none (1) year may be subject to termination at the renewal date. The card(s)\nyou receive remain the property of the Credit Union and you must recover and\nsurrender to the Credit Union ALL cards upon request or upon termination of\nthis Agreement whether by you or the Credit Union.\nFOREIGN TRANSACTIONS: When you use your Card at a merchant that\nsettles in currency other than US dollars, the charge will be converted into the\nUS dollar amount. The currency conversion rate used to determine the\ntransaction amount in US dollars is either a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate VISA itself receives,\nor the government-mandated rate in effect for the applicable central processing\ndate, plus 1 percent of the transaction amount, which may be billed separately\non your account or included in the transaction amount. This 1% adjustment is\nmade for all international transactions regardless of whether there is a currency\nconversion associated with the transaction. The conversion rate in effect on\nthe processing date may differ from the rate in effect on the transaction date or\nposting date.\nEFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which\napplies to all transactions on your account even though the sales, cash\nadvances, credit or other slips you sign or receive may contain different terms.\nThe Credit Union can delay enforcing any of its rights any number of times\nwithout losing them. Each provision of this agreement must be considered as\npart of the total agreement and cannot in any way be severed from it. However,\nyou also agree that should any part of this agreement be found invalid, it will in\nno way affect the remainder of the agreement.\nSTATEMENT AND NOTICES: You will receive a statement each month\nshowing transactions on your account. You are responsible for your minimum\nmonthly payment even in the event your statement is late or returned to the\nCredit Union. Statements and notices will be mailed to you at the most recent\naddress you have given the Credit Union. Notice to any one of you will be\nconsidered notice to all.\nPERSONAL IDENTIFICATION NUMBER (PIN): We will furnish you with a\nPersonal Identification Number (PIN). You agree to keep the PIN secret. You\nalso agree you won\'t write the PIN on the Card or anything you keep with the\ncard. Your use of the PIN and Card in getting a cash advance or making a\npurchase is agreed to constitute your signature for purposes of such\ntransaction.\nUSE OF CARD. You may use your Card to conduct any transaction or obtain\nany Credit Union service permitted by law. You agree that the use of the Card\nto obtain a service or effect a transaction that is illegal under the law of any\njurisdiction where originated, affected or accomplished will be a default and\nbreach of this agreement. We may terminate the access to the service or\nwithdraw the right to use the Card and/or demand the return of all Cards or\n\nother access devices issued to you. If illegal use of your Card occurs, you waive\nthe right to sue Us, and agree to indemnify and hold Us harmless from any\nsuits or other legal action or liability which may be asserted, directly or\nindirectly, against Us arising out of, or resulting from, the illegal use of the Card.\nGOVERNING LAW: Except to the extent that Federal Law is applicable, the\nlaws of the Commonwealth of Virginia shall govern the validity, construction\nand enforcement of this Agreement and all matters arising out of the issuance\nand use of the Card.\nYour Billing Rights: Keep This Document For\nFuture Use This notice tells you about your rights\nand our responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nUnited States Senate Federal Credit Union\nNational Capitol Station\nP.O. Box 77920\nWashington, DC 20013-8920\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may\ncall us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your\nLetter When we receive your letter, we must\ndo two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain why we believe the bill was correct.\nWhile we investigate whether or not there has been an error:\n\n\x0c\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany 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\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your\nbill.\nWe must tell you the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\n\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement 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. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at:\nUnited States Senate Federal Credit Union\nNational Capitol Station\nP.O. Box 77920\nWashington, DC 20013-8920\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nSIGNATURES\nBy signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge receiving a copy and reading the\nCredit Card Agreement and Disclosure. You understand that this Agreement grants the Credit Union a Security Interest in all individual and\njoint accounts you have with the Credit Union, now and in the future with the exception of those accounts that would have an adverse tax\nconsequence if pledged as collateral.\n\nX\nBORROWER SIGNATURE\n\nX\nDATE\n\nX\nWITNESS\n\nCO-BORROWER SIGNATURE\n\nDATE\n\nX\nDATE\n\n2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\nWITNESS\n\nDATE\n\nPage 3 of 3\n\n\x0c'


b'CREDIT CARD AGREEMENT\nAND DISCLOSURE\nVariable Rate\n\nUnited States Senate\nFederal Credit Union\nMEMBER/BORROWER(S) NAME AND ADDRESS\n\nACCOUNT/MEMBER NO.\n\nDATE\n\nJohn Sample\nJane Sample\n123 Main Street\nAnywhere, USA 00001\n\n00000000\n\n05/24/15\n\nCREDIT LIMIT\n$0\n\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\nfor Purchases\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\n\xef\x81\xb8 VISA Smart Rate\n\n9.50\n\n\xef\x82\xa8 VISA Smart Rewards\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\n9.50\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\n9.50\n\n%\n\nThis APR will vary with the market based on the Prime Rate.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nThe Consumer Financial\nProtection Bureau\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore\n\nFEES\nSet-up And Maintenance Fees\nAnnual Fee\nDocument Copy Fee\n\nNone\n$20.00 for each copy of a merchant draft.\n\nPaying Interest\n\nTransaction Fees\nCash Advance & Balance\nTransfers\nForeign Transactions\nPenalty Fees\nLate Payment\nReturned Payment\n\nNone\n1% of the transaction amount.\n\nUp to $35.00 if your payment is received after the due date.\nUp to $35.00 for each returned payment.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases)\xe2\x80\x9d. See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement.\nPeriodic Rate:\nThe Purchase, Cash Advance and Balance Transfer daily periodic rate is\n0.02603\n%\nMargin:\n\nThe Purchase, Cash Advance and Balance Transfer margin is\n\n5.00\n\n2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\n%\n\nPage 1 of 3\n\n\x0cCREDIT CARD AGREEMENT AND DISCLOSURE (continued)\nThis Agreement will establish the terms and conditions of your credit card agreement with United States Senate Federal Credit Union. In this agreement, the words "you" and "your" mean any\nperson receiving and using the card and that by using the card for the first time "you" agree to all terms and conditions in this agreement. "Card" means the VISA Smart Rate or VISA Smart Rewards\ncredit card and any duplicates and renewals the Credit Union issues. "Account" means your VISA Smart Rate or VISA Smart Rewards credit card account with the Credit Union. "Credit Union," "we,"\n"us," and "our" mean United States Senate Federal Credit Union. You must be a member of the Credit Union to apply for a credit card. Except to the extent that Federal Law is applicable, the laws of\nthe Commonweatlh of Virginia shall govern the validity, construction and enforcement of this Agreement and all matters arising out of the issuance and use of the Card.\nUSING THE ACCOUNT: Upon your approval for an account, the Credit Union will establish a\nline of credit for you. Notification of your limit will be made when the card is sent to you. You\nagree not to let your account balance exceed your approved credit limit.\nRESPONSIBILITY: You promise to pay any and all charges incurred by you or by any person\nwhom you authorize to use the Credit Card issued to you, and any fees or charges incurred in\nthe recovery of a credit card, retrieval of transaction data, or collection of this account in\naccordance with the terms and conditions issued by VISA International, Inc., and in accordance\nwith the policies established by the Credit Union.\nYour obligation to pay the amount owed on your account continues until paid in full even though\nan agreement, divorce decree or other court judgment to which the Credit Union is not a party\nmay direct someone else to pay the account balance.\nJOINT ACCOUNT: If more than one person applies for the card each is individually responsible\nfor all amounts owed on the account and is jointly and severally responsible for all amounts\nowed. This means the Credit Union can enforce the Agreement against any of you individually\nor all of you together. Each may obtain credit advances without the knowledge of the other and\nboth are obligated to repay all advances made to the account. You agree to notify the Credit\nUnion of any address change.\nUSING THE CARD: You may use the card issued to you to make purchases from anyone who\naccepts VISA Credit Cards. You may also obtain cash advances from the Credit Union, from\nother financial institutions participating in the VISA program and from automated teller\nmachines (ATM\'s) that provide access to the VISA system. Your VISA Personal Identification\nNumber (PIN) is needed to obtain cash advance from an ATM. You agree not to use the card\nfor any illegal transactions such as advances for gambling or wagering where these practices\nare in violation of the law.\nVARIABLE RATE: Your account is subject to a Variable Rate which is based on the highest\nPrime Rate as published in the Money Rates Section of The Wall Street Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) in\neffect on the last day of each calendar quarter plus our Margin. The Index plus the Margin\nequals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the\nfirst day of the next billing cycle following the change. Increases or decreases in the Interest\nRate will result in like increases or decreases in the Finance Charge and will affect the amount\nof your regularly scheduled payments that you will be required to make.\nThere is no limit on the amount by which the annual percentage rate can change during any\nchange date other than the maximum and minimum Annual Percentage Rates. The maximum\nANNUAL PERCENTAGE RATE that can apply is 18.00\n%.\nFINANCE CHARGES: The monthly periodic rate assessed on your account is based on an\nannual percentage rate corresponding to a daily periodic rate and the type of account. A\nFinance Charge will be imposed on Credit Purchases only if you elect not to pay the entire\nNew Balance shown on your monthly statement for the previous billing cycle within 25 days\nfrom the date of that statement. If you elect not to pay the entire new balance shown on your\nprevious monthly statement within that 25 day period, a Finance Charge will be imposed on\nthe unpaid average daily balance of such Credit Purchases from the date of posting to your\naccount during the current billing cycle, and will continue to accrue until the date of the billing\ncycle preceding the date on which the entire New Balance is paid in full or until the date of\npayment if more than 25 days from the closing date. Cash Advances are always subject to\na Finance Charge from the date they are posted to your account and are not subject to\nthe 25-day grace period.\nBalance Subject to Finance Charges: The balances subject to finance charge are the\naverage daily transaction balances outstanding during the month (new and previous). The\nAverage Daily Balance is determined by adding, after subtracting all payments, credits, and\ncash advances for the billing period in which they were made, all the outstanding advance\nbalances and billed but unpaid finance charges for each calendar day of the billing period and\nthen dividing the total by the number of days in that billing period. Purchases posted to your\nAccount during the billing period are included only if the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your previously\nassessed bill was not paid in full by the grace period.\nOTHER CHARGES: a) $10 for each replacement Card, b) $20 for each VISA merchant draft\nthat you request; and c) Up to $35 for each returned payment. The fees and charges will be\nhandled by the Credit Union as an adjustment to the account balance and will not be charged\na Finance Charge.\nLATE CHARGE: If your payment is received after the payment due date, you will be charged\nup to $35.\nMONTHLY PAYMENTS: Each payment you make on the account will restore your credit limit\nby the amount of the payment that is applied to the principal amount of purchases and cash\nadvances. At any time your total new balance exceeds your credit limit, you must immediately\npay the amount over your credit limit.\nA PAYMENT IS REQUIRED EACH MONTH: You must pay at least the minimum payment\nshown on your statement by the date specified on your monthly statement. You can repay any\noutstanding balance prior to maturity in whole or in part at your option without penalty. Your\nmonthly payment must be made directly to the address shown on your statement. If available,\nyou may have your minimum payment automatically deducted from your checking or savings\naccount. Payments received after 9:00 PM (Eastern Time) each day will be considered\nreceived on the next business day.\nThe minimum periodic payment required for VISA Smart Rate and VISA Smart Rewards will\nbe either (a) 2.25% of your total new balance, minimum of $15 or (b) your total new balance if\nit is less than $15, plus (c) any portion of minimum payments shown on prior statements which\nremain unpaid and any other applicable charges. You will also be required to pay any amounts\nover your credit limit or past due amounts.\n\n2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\nVISA Smart Rate and VISA Smart Rewards payments will be applied first to billed fees, then\nto any previously billed and unpaid Finance Charges on purchases and cash advances, then\nto the principal balance of purchases in the order they were posted to your account and then\nto the principal balance of cash advances. If two or more purchases were posted on the same\nday, your payment will be applied to the lowest amount first. However, in every case, in the\nevent you make a payment in excess of the required minimum periodic payment, the Credit Union\nwill allocate the excess amount first to the balance with the highest annual percentage rate and\nany remaining portion to the other balances in descending order based on applicable annual\npercentage rate. You understand that any payment that delays the repayment of Your unpaid\nbalance will increase Your Finance Charge and any payment that accelerates the reduction of\nYour unpaid balance will decrease Your Finance Charges.\nCREDIT BALANCES: If there is a credit balance due you, you may request in writing a full\nrefund of this credit balance at our address shown in this Agreement.\nSECURITY: You grant us a security interest under the Uniform Commercial Code and under\nany common law rights the Credit Union may have in any goods you purchase. If you give the\nCredit Union a specific pledge of shares by signing a separate pledge of shares, your pledged\nshares will secure your account. You may not withdraw amounts that have been specifically\npledged to secure your account until the Credit Union agrees to release all or part of the pledged\namount.\nYour Account is secured by all other shares you have in any individual or joint account\nwith the Credit Union, except for shares in an Individual Retirement Account or in any\nother account that would lose special tax treatment under state or federal law if given\nas security. These other shares may be withdrawn unless you are in default under this\nagreement. You authorize the Credit Union to apply the balance in your individual or\njoint share accounts to pay any amounts due on your Account if you should default.\nCROSS-COLLATERAL: If you have other loans with us, or take out other loans with us in the\nfuture, collateral securing those loans will also secure your obligations under this Agreement.\nHowever, unless you expressly agree otherwise, no dwelling secures your obligation.\nDEFAULT: You will be in default: (1) if you fail to make any minimum payment or other required\npayment by the date that it is due, (2) if you break any promise you make under this Agreement,\n(3) if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations\nwhen they become due, (4) if any attachment or garnishment proceedings are initiated against\nyou or your property, (5) if you default on any other indebtedness to the Credit Union, (6) if you\nmake any false or misleading statement in any credit application or credit update, or (7) if\nsomething happens that the Credit Union believes may substantially reduce your ability to\nrepay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your\nfull account balance without notice. If immediate payment is demanded, you will continue to\npay Finance Charges, at the periodic rate charged before default, until what you owe has been\npaid, and any shares that were given as security will be applied towards what you owe.\nIf collections efforts are required by the Credit Union, you agree to pay all costs and expenses\nincurred in the collection of any sum due, and in addition, if the holder hereof, after default,\nshall place this note in the hands of an attorney or collection agency, for collection, to pay\nreasonable attorney\xe2\x80\x99s fees, interest and fines due on this note at the time of the employment\nof such attorney or collection agency.\nCREDIT INFORMATION: You understand that the Credit Union will review your accounts\nperiodically, and you hereby give your permission to, and authorize the Credit Union to investigate\nand reassess your creditworthiness. You authorize the Credit Union to obtain information\nconcerning your credit history from all available sources now and in the future. You authorize the\nCredit Union to disclose information regarding your account to credit bureaus and creditors who\ninquire about your credit standing.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of the card.\nYou will not be liable for unauthorized use that occurs after the issuer is notified, orally or in writing\nat the address shown in this Agreement. If your card is lost or stolen you must report it to us\nimmediately.\nLOSS OR THEFT OF CARD: If your Card, PIN or Account Number are lost or stolen, you should\nimmediately call (202) 224-2967 (within DC Metro Area) or 1 (800) 374-2758, Monday thru Friday,\n8:30am to 4:00 pm Eastern Time. After hours, call 1 (800) 682-6075. If overseas, call collect (206)\n352-4950.\nMERCHANT DISPUTES: The Credit Union is not responsible for the refusal of any merchant or\nfinancial institution to honor the card. The Credit Union is subject to claims and defenses (other\nthan tort claim) arising out of goods or services you purchase with the card if you have made a\ngood faith attempt but have been unable to obtain satisfaction from the merchant or service\nprovider, and (a) your purchase was made in response to an advertisement the Credit Union sent\nor participated in sending to you; or (b) your purchases cost more than $50.00 and was made in\nyour state or within 100 miles of your home.\nCHANGING OR TERMINATING YOUR ACCOUNT: You agree that the Credit Union may change\nthe terms of this Agreement from time to time after giving you any advance notice required by law\nat your last known address. To the extent the law permits, and indicated in the notice to you, the\nchange will apply to your existing account balance as well as to future transactions. Your use of\nthe card after receiving notice or a change will also indicate your agreement to the change.\n\nPage 2 of 3\n\n\x0cCREDIT CARD AGREEMENT AND DISCLOSURE (continued)\nYou may request an increase in your credit limit either by written application or by phone. The Credit\nUnion has the right to reduce or terminate your credit limit at any time. You understand and\nacknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS\nany finance and other charges you owe under this Agreement. Accounts that have been inactive\nfor one (1) year may be subject to termination at the renewal date. The card(s) you receive remain\nthe property of the Credit Union and you must recover and surrender to the Credit Union ALL cards\nupon request or upon termination of this Agreement whether by you or the Credit Union.\nFOREIGN TRANSACTIONS: When you use your Card at a merchant that settles in currency other\nthan US dollars, the charge will be converted into the US dollar amount. The currency conversion\nrate used to determine the transaction amount in US dollars is either a rate selected by VISA from\nthe range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or the government-mandated rate in\neffect for the applicable central processing date, plus 1 percent of the transaction amount, which\nmay be billed separately on your account or included in the transaction amount. This 1% adjustment\nis made for all international transactions regardless of whether there is a currency conversion\nassociated with the transaction. The conversion rate in effect on the processing date may differ\nfrom the rate in effect on the transaction date or posting date.\nEFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions\non your account even though the sales, cash advances, credit or other slips you sign or receive may\ncontain different terms. The Credit Union can delay enforcing any of its rights any number of times\nwithout losing them. Each provision of this agreement must be considered as part of the total\nagreement and cannot in any way be severed from it. However, you also agree that should any part of\nthis agreement be found invalid, it will in no way affect the remainder of the agreement.\nSTATEMENT AND NOTICES: You will receive a statement each month showing transactions on\nyour account. You are responsible for your minimum monthly payment even in the event your\nstatement is late or returned to the Credit Union. Statements and notices will be mailed to you at\nthe most recent address you have given the Credit Union. Notice to any one of you will be\nconsidered notice to all.\nPERSONAL IDENTIFICATION NUMBER (PIN): We will furnish you with a Personal Identification\nNumber (PIN). You agree to keep the PIN secret. You also agree you won\'t write the PIN on the\nCard or anything you keep with the card. Your use of the PIN and Card in getting a cash advance\nor making a purchase is agreed to constitute your signature for purposes of such transaction.\nUSE OF CARD. You may use your Card to conduct any transaction or obtain any Credit Union\nservice permitted by law. You agree that the use of the Card to obtain a service or effect a\ntransaction that is illegal under the law of any jurisdiction where originated, affected or\naccomplished will be a default and breach of this agreement. We may terminate the access to\nthe service or withdraw the right to use the Card and/or demand the return of all Cards or other\naccess devices issued to you. If illegal use of your Card occurs, you waive the right to sue Us,\nand agree to indemnify and hold Us harmless from any suits or other legal action or liability\nwhich may be asserted, directly or indirectly, against Us arising out of, or resulting from, the\nillegal use of the Card.\nGOVERNING LAW: Except to the extent that Federal Law is applicable, the laws of the\nCommonwealth of Virginia shall govern the validity, construction and enforcement of this\nAgreement and all matters arising out of the issuance and use of the Card.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nUnited States Senate Federal Credit Union\nNational Capitol Station\nP.O. Box 77920\nWashington, DC 20013-8920\n\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if\nyou do we are not required to investigate any potential errors and you may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\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\nwill also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain why we\nbelieve the bill was correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment 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 must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout 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\nthose organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check 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 with the purchase, contact us in\nwriting at:\nUnited States Senate Federal Credit Union\nNational Capitol Station\nP.O. Box 77920\nWashington, DC 20013-8920\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we 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.\n\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\n\nSIGNATURES\nBy signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge receiving a copy and reading the Credit Card Agreement and\nDisclosure. You understand that this Agreement grants the Credit Union a Security Interest in all individual and joint accounts you have with the Credit Union, now and in the\nfuture with the exception of those accounts that would have an adverse tax consequence if pledged as collateral.\n\nX\nBORROWER SIGNATURE\n\nX\nDATE\n\nX\nWITNESS\n\nCO-BORROWER SIGNATURE\n\nDATE\n\nX\nDATE\n\n2010 ConmarSystems, Inc., Peachtree City, GA 30269 E-FORM 17041-6 Rev 12/12\n\nWITNESS\n\nDATE\n\nPage 3 of 3\n\n\x0c'