b'\xee\xa4\x99\n\nPERSONAL\n\nBUSINESS\n\n\xee\xa4\x80\n\n\xee\xa4\x80\n\n\xee\xa4\xa4\n\nSearch\n\n\xee\xa4\x95 Account Login\nPERSONAL LOGIN\n\nBUSINESS LOGIN\n\nFIRST TIME LOGIN \xee\xa4\x82\nONLINE BANKING SIGN UP \xee\xa4\x82\nBUSINESS BANKING SIGN UP \xee\xa4\x82\n\n\xee\xa4\x9d\nPersonal Credit Card\n\n\x0cPurchase just about anything you can imagine. Get global buying power from your\nhomegrown bank.\n\nVisa\xc2\xae Gold\nInterest Rates and Interest Charges for Visa Gold Credit Card\nInterest\nRates and\nInterest\nCharges\n\nVisa\xc2\xae Gold\n\nAnnual\nPercentage\n\n10.99% Fixed\n\nRate (APR)\nfor\nPurchases\nAPR for\nBalance\nTransfers\n\n10.99% Fixed\n\nAPR for\nCash\nAdvances\n\n10.99% Fixed\n\nPenalty APR\nand When it\nApplies\n\nNone\n\nPaying\nInterest\n\nYour due date is at least 25 days after the close of each billing\ncycle. We will not charge you interest on purchases if you pay\nyour entire balance by the due date each month. We will\nbegin charging interest on cash advances and/or balance\ntransfers on the transaction date.\n\nMinimum\nInterest\nCharge\n\nNone\n\n\x0cInterest\nRates and\nInterest\nCharges\n\nVisa\xc2\xae Gold\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees for Visa Gold Credit Card\nFees\n\nVisa\xc2\xae Gold\n\nAnnual Fee\n\nNone\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\n\xc2\xb7\xc2\xb7\n\xc2\xb7\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\n\xc2\xb7\xc2\xb7\n\xc2\xb7\n\nUp to $25.00\nNone\nNone\n\n\xc2\xb7\n\n$10.00\n\nTransaction Fees\nBalance\nTransfer\nCash\nAdvance\nForeign\nTransaction\n\nPenalty Fees\nLate\nPayment\nOver-theCredit\nLimit\n\n\xc2\xb7\n\n2.0% of the amount transferred\n2.0% of the amount advanced ($2.00 minimum)\n1.0% of each multi-currency transaction in U.S.\nDollars or 0.80% of each single-currency\ntransaction in U.S. Dollars\n\nReturned\nPayment\n\nOther Fees\nTelephone\nPayment\n\n\x0cHow We Will Calculate Your Balance\nWe use a method called "average daily balance" (including new purchases). An explanation of this\nmethod is provided in your credit card agreement.\n\nBilling Rights\nInformation on your rights to dispute transactions and how to exercise those rights is provided in\nyour credit card agreement.\n\nDaily Periodic Rate:\nThe daily periodic rate used to calculate interest for your account is 0.03011% which is calculated by\ndividing the APR by 365.\n\n\xee\xa4\x8e\n\n\xee\xa4\xa9\nMore Info +\n\nCOMPANY\nAbout Us\nCareers\nBlog\nNews\n\nEDUCATION\nBanking Education\nProduct Education Videos\nPersonal Resource Center\nBusiness Resource Center\nDocuments Center\n\n\xee\xa4\x8f\n\n\x0cPRODUCTS\nPersonal\nChecking\nSavings\nVisa Debit Card\nCredit Cards\nMortgage Loans\nMake a Loan Payment\nBusiness\nChecking\nMoney Market\nVisa Debit Card\nCredit Cards\n\nCONTACT\nContact Us\nFind a Branch\n\nCOMMUNITY\nWhy Community Matters\nNebraska\nKansas\nMissouri\n\n\xc2\xa92018 Pinnacle Bank\n\nLegal/Privacy\n\n\x0c'


b'YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE.\nThis notice tells you about your rights and responsibilities under the Fair Credit Billing Act.\n\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\n\nIf you think there is an error on your statement, write to us at the address shown on your monthly\nbilling statement.\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 what you believe\nis wrong and why you believe it is 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 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 you\ndo, we are not required to investigate any potential errors and you may have to pay the amount\nin question.\n\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days after receiving your letter, we must tell you that we received your letter.\nWe 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 explain to you\nwhy 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 as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder 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 any interest or\nother 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,\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 without\nalso reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter has\nbeen 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 in\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 right\nnot 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\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom 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 (or electronically) at the address shown on your monthly billing statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\nREV. 12/17\n\n12.17_CREDITCARD_AGREEMENT\n\nPINNACLE BANK/BANK OF COLORADO\nCREDIT CARD AGREEMENT\nThis Agreement, along with the credit application and credit account\ndisclosures comprises the Credit Agreement between you and\nPinnacle Bank/Bank of Colorado. It applies to you and to all eligible\nusers of your card(s). It is effective on the date your card is activated\nand terminates on the date of expiration shown on your card. Your\nsignature on the credit card application means that you have read\nand agree to the terms of this Agreement. You acknowledge receipt\nof a copy of this Agreement.\nA. WORDS OFTEN USED IN THIS AGREEMENT\nIn this Agreement, \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d and \xe2\x80\x9cOur\xe2\x80\x9d mean Pinnacle Bank/\nBank of Colorado. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cYour\xe2\x80\x9d mean each person who signs an\napplication for, or otherwise requests, a credit card account with us.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your credit card account with us. \xe2\x80\x9cCard\xe2\x80\x9d means each\ncredit card we issue to you for your account.\nB. AGREEMENT\nYou agree to the terms of this Agreement. When you use your account\nor let someone else use it, you promise to pay the total amount of the\ntransaction as well as any interest or fees that may be due. All amounts\nowed must be paid in United States dollars. You promise to do\neverything this Agreement requires of you. You will be legally bound\nby this Agreement if you sign an application to obtain credit from us,\nor if you sign a sales draft, or if you use or permit someone else to use\nthe card. If the account is a joint account, you and the joint account\nholder each will be bound by this Agreement and each of you will be\njointly and individually responsible for repaying all amounts due under\nthis Agreement. Any authorized user of your account will, by such use\nof the account, be bound by the terms of this Agreement.\nYou understand and agree that we will be unable to determine whether\nany particular transaction on your account has been conducted by you,\nyour joint account holder or the authorized user or if the transaction\nby the authorized user was indeed authorized by you or made for your\nbenefit. If you fail to comply with any of the terms of this Agreement, we\nmay declare all amounts you owe to be immediately due and payable,\nprohibit further transactions on your account, cancel the card(s) and\nrevoke any privileges associated with your account.\n\n\x0cC. HOW YOUR CARD MAY BE USED\nYour card may be used at any place where Visa\xc2\xae credit cards are accepted.\nFor your own protection, please sign the card before using it. Your\nsignature on the card is not a prerequisite to your obligation to pay\namounts incurred on your account. If a card is lost or stolen, you must\ntell us at once. You must also tell us at once if you think someone used a\ncard without your permission. You may either write us a letter or call us at\nthe address and phone number shown on your statement. Until you do,\nyou may have to pay (up to $50.00) for purchases made by anyone who\nused the card without your permission.\nD. CREDIT LIMIT\nYour Credit Limit is the total maximum amount we allow you to owe us\nat any time. You may not exceed any credit limit that we set for your\nAccount. If you do use the Account for more than your Credit Limit,\nwe can still charge you for all purchases, Interest Charges and other\ncharges without giving up any of our rights under this Agreement. We\nmay change your Credit Limit at any time.\nE. PAYMENTS\nYou may pay all of your account balance at any time without penalty. You\nmust pay us at least the minimum payment due for each billing period\nby the payment due date shown on your monthly billing statement. The\npayment due date is the date the minimum payment due is due to us.\nF. INTEREST\nAt the end of each day we will add new charges to your balance and\nsubtract payments we receive, and other credits that may apply. Your\nAnnual Percentage Rate (APR) is shown on the credit card application.\nThe APR is divided by 365 and rounded to the next highest hundred\nthousandth of a percentage point to determine your daily periodic rate.\nThe daily periodic rate is used to determine the amount of periodic\ninterest rate charges.\nG. BALANCE COMPUTATION METHOD\nThe interest charges for the billing cycle are computed by applying\nthe monthly periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases\n(including cash advances and/or balance transfers).\nTo get the average daily balance, we take the beginning balance of your\naccount each day, add any new purchases or cash advances/balance\ntransfers, and subtract any payments, credits, non-accruing fees, and\nunpaid interest charges. This gives us the daily balance. Then we add\nup all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle.\nH. GOVERNING LAW\nThis Agreement is governed by laws of the state in which our main office\nis located, and applicable federal law. This is the law we are speaking of\nwhen we refer to a term permitted or required by applicable law.\nI. FEES\nFees that you may be charged for services provided are set forth in the\nCredit Disclosures section of the Credit Application. By executing the\nApplication you agree to pay them.\n\nJ. DISPUTE RESOLUTION\nWe can delay enforcing our rights under this Agreement without losing\nthem. If any provision of this Agreement is in conflict with applicable\nlaw, that provision will be considered to be modified to conform with\napplicable law. All disputes concerning this Agreement and use of cards\nissued pursuant to it will be resolved pursuant to federal and state law.\nWe will promptly notify you once our investigation has been completed.\nK. UNLAWFUL TRANSACTIONS\nYou agree that you will not use your account for any transaction that\nis unlawful. In addition, we reserve the right to deny transactions or\nauthorizations from merchants we determine are apparently engaging\nin the internet gambling business or identifying themselves through\nthe card transaction records or otherwise as engaged in such business.\nL. CHANGE IN TERMS OF YOUR ACCOUNT\nWe can change or add to any terms of your account at any time. We do\nnot guarantee that the fees and the Annual Percentage Rates (APRs) on\nyour account are for any particular length of time. Future changes will\nbe made in accordance with this Agreement and applicable law. We will\nprovide you with such notice as is required by applicable law. You may\ncancel your card without penalty if you do not accept such changes, and\nyou may pay off the existing balance under the account terms in place\nat time of cancellation.\nM. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S)\nYou are responsible for promptly notifying us of a change in your name,\naddress (including any email address at which you agree to be contacted),\nor telephone number(s) including any wireless telephone number(s).\nN. IMMEDIATE PAYMENT OF YOUR FULL BALANCE\nYou will be in default, and we may, without notifying you, temporarily\nsuspend your credit, close your account, cancel all credit cards issued\non it and require immediate payment of your entire balance if any of\nthe following occurs: You fail to make a payment when it is due; you do\nnot follow the terms of this Agreement in any way; you have made any\nfalse or misleading statement on the application for your account; you\nfail to pay any other loans you owe us; you become insolvent or die;\nthere is an attachment, execution or levy against your property or you\nmake an assignment for the benefit of creditors; a bankruptcy petition\nis filed by or against you; a guardian, conservator, receiver, custodian\nor trustee is appointed for you; you are generally not paying your debts\nas they come due, or there has been a material adverse change in your\nfinancial standing.\nO. COLLECTION REMEDIES\nIf you are in default, we may take certain actions with respect to your\naccount including the following: Closing or suspending your account;\ndemand you immediately pay the total balance owing on the account; file\na lawsuit against you or pursue another action not prohibited by law. If we\nfile a lawsuit, you agree to pay our court costs, expenses and legal fees.\n\n\x0c'


b'\xee\xa4\x99\n\nPERSONAL\n\nBUSINESS\n\n\xee\xa4\x80\n\n\xee\xa4\x80\n\n\xee\xa4\xa4\n\nSearch\n\n\xee\xa4\x95 Account Login\nPERSONAL LOGIN\n\nBUSINESS LOGIN\n\nFIRST TIME LOGIN \xee\xa4\x82\nONLINE BANKING SIGN UP \xee\xa4\x82\nBUSINESS BANKING SIGN UP \xee\xa4\x82\n\n\xee\xa4\x9d\nPersonal Credit Card\n\n\x0cPurchase just about anything you can imagine. Get global buying power from your\nhomegrown bank.\n\nVisa\xc2\xae\nInterest Rates and Interest Charges for Visa Credit Card\nInterest\nRates and\nInterest\nCharges\n\nVisa\xc2\xae\n\nAnnual\nPercentage\n\n15.99% Fixed\n\nRate (APR)\nfor\nPurchases\nAPR for\nBalance\nTransfers\n\n15.99% Fixed\n\nAPR for\nCash\nAdvances\n\n15.99% Fixed\n\nPenalty APR\nand When it\nApplies\n\nNone\n\nPaying\nInterest\n\nYour due date is at least 25 days after the close of each billing\ncycle. We will not charge you interest on purchases if you pay\nyour entire balance by the due date each month. We will\nbegin charging interest on cash advances and/or balance\ntransfers on the transaction date.\n\nMinimum\nInterest\nCharge\n\nNone\n\n\x0cInterest\nRates and\nInterest\nCharges\n\nVisa\xc2\xae\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees for Visa Credit Card\nFees\n\nVisa\xc2\xae\n\nAnnual Fee\n\nNone\n\nTransaction Fees\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\nBalance\nTransfer\nCash\nAdvance\nForeign\nTransaction\n\nPenalty Fees\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\nLate\nPayment\nOver-theCredit\nLimit\nReturned\nPayment\n\n\xc2\xb7\xc2\xb7\n\xc2\xb7\n\xc2\xb7\xc2\xb7\n\xc2\xb7\n\n2.0% of the amount transferred\n2.0% of the amount advanced ($2.00 minimum)\n1.0% of each multi-currency transaction in U.S.\nDollars or 0.80% of each single-currency\ntransaction in U.S. Dollars\n\nUp to $25.00\nNone\nNone\n\n\x0cVisa\xc2\xae\n\nFees\nOther Fees\n\n\xc2\xb7\n\nTelephone\nPayment\n\n\xc2\xb7\n\n$10.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (including new\npurchases). An explanation of this method is provided in your credit card agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your credit card agreement.\nDaily Periodic Rate: The daily periodic rate used to calculate interest for your account is 0.04381% which\nis calculated by dividing the APR by 365.\n\n\xee\xa4\x8e\n\n\xee\xa4\xa9\nMore Info +\n\nCOMPANY\nAbout Us\nCareers\nBlog\nNews\n\nEDUCATION\nBanking Education\nProduct Education Videos\nPersonal Resource Center\nBusiness Resource Center\nDocuments Center\n\n\xee\xa4\x8f\n\n\x0cPRODUCTS\nPersonal\nChecking\nSavings\nVisa Debit Card\nCredit Cards\nMortgage Loans\nMake a Loan Payment\nBusiness\nChecking\nMoney Market\nVisa Debit Card\nCredit Cards\n\nCONTACT\nContact Us\nFind a Branch\n\nCOMMUNITY\nWhy Community Matters\nNebraska\nKansas\nMissouri\n\n\xc2\xa92018 Pinnacle Bank\n\nLegal/Privacy\n\n\x0c'


b'Truity Federal Credit Union\n\nPlatinum Rewards Credit Card Program\nThis Program Provides a Credit Limit of\n$2,500 or More\nInterest Rates and Charges\nIntroductory Annual Percentage Rate (APR) for\nPurchases, Cash Advances, Balance Transfers,\nConvenience Checks and ATM Withdrawals\nVISA\xc2\xae\n\nMilitary Annual Percentage Rate (MAPR) for\nPurchases\nFor oral disclosure please call 1.800.897.6991\n\nAnnual Percentage Rate (APR) for Purchases\nHow to Avoid Paying Interest on Purchases\n\nPaying Interest on Cash Advances, Balance\nTransfers, Convenience Checks and ATM\nWithdrawals\nCredit Card Tips from\nthe Consumer Financial Protection Bureau\nFees\nAnnual Fee\nTransaction Fees\nCash Advance, Balance Transfer, Convenience\nCheck and ATM Withdrawal Fee\nDuplicate Merchant Sales Slip\nDuplicate Copy of Billing Statement\nReplacement Card\nStop Payment Fee (Convenience Checks)\nForeign Transaction Fee\nPenalty Fees\nLate Payment Fee\nReturn Payment Fee\n\nVISA Platinum Rewards\nThe due date for this card is the 8th of the month.\n\n1.99% APR for 15 months. (Excludes existing Truity\n\ncredit card balances.) After 15 months, your APR will be\nvariable based on your creditworthiness1 and the Prime\nRate, currently\n\n9.99% - 17.90%\n\nFederal law provides important protections to members\nof the Armed Forces and their dependents relating to\nextensions of consumer credit. The cost of consumer\ncredit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate\nof 36%. See MAPR below for more information.\n\n9.99% - 17.90% APR variable based on your\n\ncreditworthiness1 and the Prime Rate\nYour due date is 25 days after the close of each billing\ncycle. We will not charge you any interest on purchases\nif you pay your entire balance by the due date of each\nmonth.\nThese transactions accrue interest upon posting on your\naccount. We will begin charging interest on these\ntransactions on the transaction date.\nTo learn more about factors to consider when applying\nfor or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at:\nconsumerfinance.gov/learnmore\nNone\n3% of the Transaction Amount or $10,\nwhichever is greater\n$5.00\n$3.00 (Research $25 per hour)\n$10.00 (in excess, of 1 per year)\n$28.00\n1% of Transaction Amount\n$28.00 (5 days past the Due Date)\n$28.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d for both purchases and cash advances\n(including new transactions). See your Cardholder Agreement for more details.\n\nMAPR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premium; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account). For Active Military Lending oral disclosure please\ncall 1.800.897.6991.\n\n\x0cPrime Rate: Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a margin\nbased on your creditworthiness to the Prime rate published in The Wall Street Journal on the 25th day of each month. If the\nJournal is not published on that day, then see the immediately preceding edition. Variable rates will be updated quarterly and\nwill take effect on the first day of your January, April, July and October billing periods.\n\xc2\xb9 We\n\nadd 6.74% to the Prime Rate to determine the APR for A credit; we add 7.74% to the Prime Rate to determine the APR for B\ncredit; we add 8.74% to the Prime Rate to determine the APR for C credit; we add 11.74% to the Prime Rate to determine the\nAPR for D credit; we add 14.65% to the Prime Rate to determine the APR for E credit. To receive A credit APR, you need a credit\nscore of 740 or higher, B credit APR you need a credit score of 739 - 690, C credit APR you need a credit score of 689 - 650; for\nD credit APR you need a credit score of 649 \xe2\x80\x93 620; for E credit APR you need a credit score of 619 or lower. The APR will never\nbe greater than 18.00% or the maximum rate allowed by law, whichever is less.\n\nApp Disclosure \xe2\x80\x93 Platinum Rewards 06/2021-lm\n\n\x0cTruity Federal Credit Union\nCREDIT CARD CARDHOLDER AGREEMENT\nThis is the Agreement that establishes the terms of your Cardholder Account (\xe2\x80\x9cAccount\xe2\x80\x9d) with Truity Federal Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d) including accounts\nopened with us through other credit unions that participate in the Credit Union\xe2\x80\x99s VISA/MasterCard program and whose name may be on the face of your Card.\nPlease read it carefully and keep it for your records. You do not need to sign this Agreement, but please be sure to sign the back of your Card if you have not\nalready done so. All extensions of credit in connection with your Account are being made by the Credit Union. Any use of your Card or Account confirms your\nacceptance of the terms and conditions of this Agreement.\nDefinitions: In this Agreement, the word \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person (jointly and severally if more than one) who has applied for the Account and any\nother person who has agreed to be responsible for the Account. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to the Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d refers to each VISA and/or\nMasterCard that is issued on your account. The Card(s) must be returned or surrendered to us or our agent upon request.\nUsing Your Account: You may use your Card or Account to purchase or lease goods or services or pay amounts you owe wherever the Card is honored or transfer\nbalances from other accounts. You may also use the Card to obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) from any financial institution that accepts the Card or at\nAutomated Teller Machines (\xe2\x80\x9cATM\xe2\x80\x9d) or by writing Convenience Checks. You agree to accept credits to your Account instead of cash refunds when the original\nPurchase was charged to your Account.\nWe may issue Convenience Checks to you, which may be used to access your credit line. Use of a Convenience Check will be treated as a Cash Advance in the\namount on your check. Each Convenience Check will contain your Account number and may be used only by the cardholders on the Account. Each must be\ncompleted and signed by you (or either of you) in the same manner as a regular personal check. If we provide Convenience Checks for your Account, you may\nnot use them to pay any amount you owe under your Cardholder Agreement. Checks written for more than the available line of credit or if the Account is not in\ngood standing may not be honored.\nObligations On Your Account: You authorize us to pay and charge your Account for all Purchases and Cash Advances made or obtained by you or anyone you\nauthorize to use your Card or Account. You promise to pay us for all of these Purchases and Cash Advances, plus any Finance Charges assessed on your\nAccount and any other charges and fees that you may owe us under the terms of this Agreement. You will be obligated to pay authorized charges to your\nAccount whether resulting from (1) actual use of your Card or Convenience Checks (2) mail order or telephone, computer or other electronic Purchases made\nwithout presenting the Card or (3) any other circumstance where you authorize a charge, or authorize someone else to make a charge, to your Account. Each\nperson who is included within the definition of the term \xe2\x80\x9cyou,\xe2\x80\x9d above, is responsible to pay the full amount owed on the Account. We may require that you pay in\nfull the amount owed without first asking the other person(s) to pay. All payments must be made in U.S. Dollars. Any payment made by check or other negotiable\ninstrument must be drawn on a U.S. bank or a U.S. branch of a foreign bank. Subject to any mandatory provisions of applicable law, we will apply your payments\nto the balances in your Account in whatever manner we determine. You are responsible for charges made by yourself, your spouse and minor children. You are\nalso responsible for charges made by anyone else to whom you give the Card, and this responsibility continues until the Card is recovered. You cannot disclaim\nresponsibility by notifying us, but we will close the Account for new transactions if you so request and you return all Cards. Your obligation to pay the Account\nbalance continues even though an agreement, divorce decree or other court judgments to which we are not a party, may direct you or one of the other persons\nresponsible to pay the Account.\nCredit Line/Authorized Usage: Your credit line is shown on the folder containing your Card. Since we may change your credit line from time to time, your credit\nline will appear on your monthly statement. You agree not to make a Purchase or obtain a Cash Advance that would cause the unpaid balance of your Account\nto exceed your credit line. We may honor Purchases and Cash Advances more than your credit line at our sole discretion. If we do, this Agreement also applies to\nthat excess and you agree to pay the excess immediately if we request that you do so. You agree that we may change or cancel your credit line at any time\nwithout affecting your obligation to pay amounts that you owe under this Agreement. We may designate that only a portion of your credit line is available for\nCash Advances. If we do and you exceed that limit, you will be considered to have exceeded your credit line for all purposes of this Cardholder Agreement. For\nsecurity reasons, we may limit the number or dollar amount of Purchases, Cash Advance and/or Convenience Check transactions that may be accomplished\nwith your Card or Account, and we may have the right to limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify\npayments received to your Account.\nPeriodic Statements: We will send a statement at the end of each monthly billing cycle in which your Account has a debit or credit balance. Among other things,\nyour monthly statement will show your New Balance, any Finance Charge, your Credit Line and Available Credit, your Minimum Monthly Payment and the\nPayment Due Date. You should retain copies of sales slips and/or documentation of transactions to verify against your periodic statement.\nMinimum Monthly Payment: If the New Balance shown on your Monthly Statement is less than $15, your Minimum Monthly Payment (due by the Payment Due\nDate) is your New Balance. Otherwise, the Minimum Monthly Payment for each billing cycle will be the greater of $15.00 or the total of (1) 2% of the New\nBalance, plus (2) any amount past due, plus (3) if we so elect, any amount over your credit line at the time of billing. You may pay more than the Minimum\nMonthly Payment and may at any time pay the full amount you owe us.\nFinance Charges: We calculate the \xe2\x80\x9cbalance subject to Finance Charge\xe2\x80\x9d separately for Purchases and Cash Advances.\nMethod of Calculation: Finance Charge is calculated on the average daily balances of Purchases and Cash Advances in the Account. The principal balances of\nPurchases and Cash Advances are determined each day during the statement period, beginning with the principal portion of your previous balances, reduced by\npayments you make and credit we apply and increased by Purchases and Cash Advances you make and debit adjustments we make during the statement\nperiod. The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate average daily principal balances\nfor Purchases and Cash Advances to which the periodic rate is then applied. If we have \xe2\x80\x9cspecial\xe2\x80\x9d periodic rate offers in effect from time to time, we will\nseparately identify them on your monthly statement and separately disclose on your monthly statement the balances to which the special offers apply. These\nseparate balances and the related Periodic Finance Charges will be calculated in the same manner as described above.\nGrace Period: For Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance until the day we receive payment in full.\nHowever, you have a grace period for Purchases. You will not pay a Periodic Finance Charge on current or previous Purchases if you paid your New Balance in\nfull by the Payment Due Date on your previous statement (or that balance was zero or a credit amount) and you pay your new balance in full by the Payment Due\nDate on your current statement.\nNon-Grace Period: For Purchases and Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance or Purchase until the day\nwe receive payment in full.\nOther Charges: In addition to the Finance Charges discussed above, the following charges may be applicable to your Account.\nAnnual Fee: None\n\n\x0cLate Fee: If we do not receive a payment from you for at least the amount of your Minimum Monthly Payment by the Payment Due Date shown on your monthly\nstatement, we may charge you a late payment fee in the amount stated in the Table of Charges. You will only be charged one late payment fee for any Minimum\nMonthly Payment which is not paid by the Payment Due Date.\nReturn Check Fee: If your financial institution does not honor the check, you gave us to pay amounts you owe under this Agreement, we may charge you a return\ncheck fee in the amount stated in the Table of Charges.\nAdministrative Fees: If you request photocopies of sales slips or duplicate copies of monthly statements, or if you request replacement Cards or any special\nservices such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for such services. The present charges for such services are\nspecified in the Table of Charges. However, if you request items such as sales slips or duplicate statements in connection with any disputed billing matter (see\n\xe2\x80\x9cYour Billing Rights\xe2\x80\x9d on the back panel), we will not impose a fee if a billing error is disclosed. Unless otherwise arranged between us, the annual membership\nfee (if any) and any late, return check, or administrative fee will be added to your Account.\nDefault/Collection Costs: Your Account will be in default and we may demand immediate payment of the entire amount you owe us without giving you prior\nnotice if: (1) in any month we do not receive your Minimum Monthly Payment by the Payment Due Date; (2) you make Purchases or obtain Cash Advances in\nexcess of your credit line; (3) you fail to comply with this Agreement; (4) there is a filing for your bankruptcy; (5) you die or become incapacitated; or (6) we\nbelieve in good faith that the payment or performance of your obligations under this Agreement is impaired for any other reason. As permitted by applicable law,\nyou agree to pay all collection expenses actually incurred by us in the collection of amounts you owe under this Agreement (including court costs and the fees of\nany collection agency to which we refer your Account) and, in the event we refer your Account after your default to an attorney who is not our regularly salaried\nemployee, you agree to pay the reasonable fees for such attorney. We will not be obligated to honor any attempted use of your Account if a default has occurred\nor we have determined to terminate your Account or limit your Account privileges (as discussed below).\nSecurity Interest: To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase\nthrough the Account as described on your credit card receipt. If you default, we will have the right of recovery any of these goods that have not been paid for.\nPledge of Shares: You hereby pledge your accounts and credits and any additions to such accounts and credit that you have or hereafter may have in this Credit\nUnion as a security of any obligation to the Credit Union. This pledge is given to secure the payment of all your Account obligations to us and interest that may\naccrue thereon, attorney fees and costs (where federal law permits and where federal law overrides prohibition of attorney fees by state law). You hereby\nauthorize us to apply any and all such monies pledged to the payment of said obligations. This pledge shall not apply to Individual Retirement Accounts, Keogh\nAct Accounts and accounts where the pledging of such accounts would invalidate such accounts. Any security agreement given at this time for collateral shall be\nsigned and made a part of your file. When any additional security is needed in the future circumstances, which we do not now foresee, such additional security\nwill be taken only with your written consent and a copy of the Security agreement will be furnished to you.\nTermination: We may terminate your privileges under this Agreement or limit your right to make Purchases or obtain Cash Advances at any time (and list your\nAccount in warning bulletins) without notice or liability. If we ask, you must return your Cards and any unused Convenience Checks to us, cut in half. You agree\nthat you will not try to make a Purchase or obtain a Cash Advance after you have been notified that your privilege to use your Account has been terminated. You\nmay terminate this Agreement at any time. If you do, you must return to us all Cards and Convenience checks previously issued on the Account. If you call us, we\nmay require that you confirm your intent to terminate in writing. Your or our termination will not affect your existing obligations under this Agreement or your\nliability for all charges posted to your Account prior to the time all Cards and unused Convenience Checks issued on your Account are returned to us.\nNotices: We will send statements and any other notices to you at the address shown in our files. You promise to inform us promptly in writing of any change in\nyour address. We may at our discretion accept address corrections from the United States Postal Service.\nForeign Currency Transactions: The exchange rate for international transactions will be a rate selected by VISA or MasterCard from the range of rates available\nin wholesale currency markets, which may vary from the rate VISA or MasterCard receives, or the government-mandated rate in effect for the applicable central\nprocessing date.\nChange in this Agreement: We can change the terms of this agreement, including the Annual Percentage Rate and any fees at any time. We will notify you of the\nchange. As permitted by applicable law, any change in this Agreement will become effective at the time stated in our notice and unless we state otherwise, the\nchange will apply to all outstanding balances in your Account as well as to new transactions.\nCredit Information: You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and\nadministration of your Account. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and requests\nfrom) others, such as merchants and credit reporting agencies.\nPhone Calls: In the regular course of our business we may monitor, and record phone conversations made or received by our employees. You agree that we will\nhave such right with respect to all phone conversations between you and our employees whether initiated by you or any of our employees.\nRefusal to Honor Card: We are not responsible for refusals to honor your Card or Convenience Checks. And, except as otherwise required by applicable law or\nregulation, we will not be responsible for merchandise or services purchased or leased through use of your Account.\nIrregular Payments and Delay in Enforcement: We can accept late payments, partial payments, checks and money orders \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the\nsame effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of items without\nlosing them. The fact that we may at any time honor a Purchase or Cash Advance in excess of your maximum credit line does not obligate us to do so again.\nUnauthorized Use of Your Account: If your Card, Personal Identification Number (PIN) or Convenience Checks are lost or stolen or if you are afraid someone may\nuse your Account without your permission, you must notify us at once. You may be liable for that unauthorized use of your Account. You will not be liable for\nunauthorized use that occurs after you notify us. You can give us notification of the loss, theft or unauthorized use of your Account by writing to us at PO Box\n1358, Bartlesville, OK 74005-1358 or verbally by calling us at 918.336.7662 or 800.897.6991. In any case, your maximum liability is $50.00. We may limit\naccess to your Account if you have notified us or we have determined that your Card, PIN, Convenience Checks may have been lost or stolen, or that there may\nbe unauthorized access to your Account.\nInquiries or Questions: You may address any inquiries or questions which you have about your Account to us at PO Box 1358, Bartlesville, OK 74005-1358, or\nyou may call us 918.336.7662 or 800.897.6991. If you telephone us instead of writing, you may lose certain rights the law gives you to dispute billing errors\n(see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d below).\n\n\x0cTable of Charges\nThe Annual Percentage Rate (APR) is a Variable rate and will be disclosed on your monthly statement along with the periodic rate. The Annual Percentage Rate\nfor new and existing balances may change the first day of January, April, July and October, or anytime during the billing cycle with appropriate advance notice as\nrequired by law if the rate will increase. The Annual Percentage Rate for all new and existing balances for the VISA/MasterCard program is based on the publicly\nquoted Prime Rate as of the first day of the calendar quarter for the quarter preceding the date of any change plus a margin that is based on your\ncreditworthiness. The maximum APR will not exceed the rate permitted under the Federal Credit Union Act. The APR may be adjusted upward based on\nindividual credit standings, debt to income ratio and aggregate credit score. Credit scores are reviewed bi-annually and any change in score may result in a\nchange to your APR.\nCash Advance, Balance Transfer, Convenience Check\nand ATM Withdrawal Fee:\nDuplicate of Merchant Sales Slip:\nDuplicate Copy of Monthly Billing Statement\nReplacement Card (in excess of 1 per year)\nExpedited Shipping of Cards:\nStop Payment Fee (Convenience Checks):\nDomestic Transaction Fee\nForeign Transaction Fee\nLate Payment Fee\nReturn Payment Fee\n\n3% of the Cash Advance Amount or $10, whichever is greater\n$5.00\n$3.00 (Research Fee $25/hour)\n$10.00\nQuoted at time of issue\n$28.00\nNone\n1% of Transaction Amount (Excludes Signature Rewards Program)\n$28.00 (5 days past the Due Date)\n$28.00\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT/BILLING AT:\nCardholder Services, PO Box 31112, Tampa, FL 33631-3112\n800.654.7728\nIf you think your billing statement is wrong or if you need more information about a transaction on your billing statement, write us on a separate sheet of paper\nand mail to the above address which is also listed on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after\nwe sent you the first billing statement on which the error or problem appeared. You can telephone us, however doing so will not preserve your rights.\nIn your letter, give us the following information:\n- Your name and account number.\n- The dollar amount of the suspected error.\n- Describe the error and explain, if you can, why you believe there is an error.\n- If you need more information, describe the item you are unsure about.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you\nquestion, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you\nmay have to pay finance charges and make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount\nowed and the date that it is due. If you fail to pay the amount, we think you owe, we may report you as delinquent. However, if our explanation does not satisfy\nyou and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question on your bill. And we\nmust tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill was correct.\nSPECIAL RULE FOR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you purchased with your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right to not pay the remaining amount due on the property or services. To use this right, all the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement, we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address below. While we investigate, the same rules\napply to the disputed amount as discussed above. After we finish our investigation, we will tell you, our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\nTruity Federal Credit Union, 501 S Johnstone, PO Box 1358, Bartlesville, OK 74005-1358\n800.897.6991, Talk2Us@TruityCU.org\nTO REPORT A LOST OR STOLEN CARD OR OTHER ACCESS DEVICE AFTER HOURS CALL:\n800.449.7728\nThis agreement is accurate as of May 1, 2020. For the most current Cardholder Agreement, visit TruityCU.org or call 800.897.6991.\n\n\x0c\x0c'


b'Truity Federal Credit Union\nVISA\xc2\xae Platinum Rate Credit Card Program\nThis Program Provides a Credit Limit of\n$500 or more\nInterest Rates and Charges\nIntroductory Annual Percentage Rate (APR) for\nPurchases, Cash Advances, Balance Transfers,\nConvenience Checks and ATM Withdrawals\n\nVISA Platinum Rate\nThe due date for this card is the 13th of the month.\n\n1.99% APR for 15 months. (Excludes existing Truity\n\ncredit card balances.) After 15 months, your APR will be\nvariable based on your creditworthiness1 and the Prime\nRate, currently\n\n8.99% - 17.90%\nMilitary Annual Percentage Rate (MAPR) for\nPurchases\nFor oral disclosure please call 1.800.897.6991\n\nFederal law provides important protections to members of\nthe Armed Forces and their dependents relating to\nextensions of consumer credit. The cost of consumer\ncredit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of\n36%. See MAPR below for more information.\n\nAnnual Percentage Rate (APR) for Purchases\n\n8.99% - 17.90% APR variable based on your\n\nHow to Avoid Paying Interest on Purchases\nPaying Interest on Cash Advances, Balance\nTransfers, Convenience Checks and ATM\nWithdrawals\nCredit Card Tips from\nthe Consumer Financial Protection Bureau\nFees\nAnnual Fee\nTransaction Fees\nCash Advance, Balance Transfer,\nConvenience Check & ATM Withdrawal Fee\nDuplicate Merchant Sales Slip\nDuplicate Copy of Billing Statement\nReplacement Card\nStop Payment Fee (Convenience Checks)\nForeign Transaction Fee\nPenalty Fees\nLate Payment Fee\nReturn Payment Fee\n\ncreditworthiness1 and the Prime Rate\nYour due date is 25 days after the close of each billing\ncycle. We will not charge you interest on purchases if you\npay your entire balance by the due date of each month.\nThese transactions accrue interest upon posting on your\naccount. We will begin charging interest on these\ntransactions on the transaction date.\nTo learn more about factors to consider when applying for\nor using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at:\nwww.consumerfinance.gov/learnmore.\nNone\n3% of the Transaction Amount or $10,\nwhichever is greater\n$5.00\n$3.00 (Research $25 per hour)\n$10.00 (in excess, of 1 per year)\n$28.00\n1% of Transaction Amount\n$28.00 (5 days past the Due Date)\n$28.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d for both purchases and cash advances\n(including new transactions). See your Cardholder Agreement for more details.\nMAPR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premium; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account). For Active Military Lending oral disclosure please\ncall 1.800.897.6991.\n\n\x0cPrime Rate: Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a margin\nbased on your creditworthiness to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the\nJournal is not published on that day, then see the immediately preceding edition. Variable rates will be updated quarterly and\nwill take effect on the first day of your January, April, July and October billing periods.\n\xc2\xb9 We add 5.74% to the Prime Rate to determine the APR for A credit; we add 6.74% to the Prime Rate to determine the APR for B\ncredit; we add 7.74% to the Prime Rate to determine the APR for C credit; we add 10.74% to the Prime Rate to determine the\nAPR for D credit; we add 14.65% to the Prime Rate to determine the APR for E credit. To receive A credit APR, you need a credit\nscore of 740 or higher; B credit APR you need a credit score of 739 \xe2\x80\x93 690; C credit APR you need a credit score of 689 - 650;\nfor D credit APR you need a credit score of 649 \xe2\x80\x93 620; for E credit APR you need a credit score of 619 or lower. The APR will\nnever be greater than 18.00% or the maximum rate allowed by law, whichever is less.\n\nApp Disclosure \xe2\x80\x93 Platinum Rate 06/2021-lm\n\n\x0cTruity Federal Credit Union\nCREDIT CARD CARDHOLDER AGREEMENT\nThis is the Agreement that establishes the terms of your Cardholder Account (\xe2\x80\x9cAccount\xe2\x80\x9d) with Truity Federal Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d) including accounts\nopened with us through other credit unions that participate in the Credit Union\xe2\x80\x99s VISA/MasterCard program and whose name may be on the face of your Card.\nPlease read it carefully and keep it for your records. You do not need to sign this Agreement, but please be sure to sign the back of your Card if you have not\nalready done so. All extensions of credit in connection with your Account are being made by the Credit Union. Any use of your Card or Account confirms your\nacceptance of the terms and conditions of this Agreement.\nDefinitions: In this Agreement, the word \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person (jointly and severally if more than one) who has applied for the Account and any\nother person who has agreed to be responsible for the Account. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to the Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d refers to each VISA and/or\nMasterCard that is issued on your account. The Card(s) must be returned or surrendered to us or our agent upon request.\nUsing Your Account: You may use your Card or Account to purchase or lease goods or services or pay amounts you owe wherever the Card is honored or transfer\nbalances from other accounts. You may also use the Card to obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) from any financial institution that accepts the Card or at\nAutomated Teller Machines (\xe2\x80\x9cATM\xe2\x80\x9d) or by writing Convenience Checks. You agree to accept credits to your Account instead of cash refunds when the original\nPurchase was charged to your Account.\nWe may issue Convenience Checks to you, which may be used to access your credit line. Use of a Convenience Check will be treated as a Cash Advance in the\namount on your check. Each Convenience Check will contain your Account number and may be used only by the cardholders on the Account. Each must be\ncompleted and signed by you (or either of you) in the same manner as a regular personal check. If we provide Convenience Checks for your Account, you may\nnot use them to pay any amount you owe under your Cardholder Agreement. Checks written for more than the available line of credit or if the Account is not in\ngood standing may not be honored.\nObligations On Your Account: You authorize us to pay and charge your Account for all Purchases and Cash Advances made or obtained by you or anyone you\nauthorize to use your Card or Account. You promise to pay us for all these Purchases and Cash Advances, plus any Finance Charges assessed on your Account\nand any other charges and fees that you may owe us under the terms of this Agreement. You will be obligated to pay authorized charges to your Account\nwhether resulting from (1) actual use of your Card or Convenience Checks (2) mail order or telephone, computer or other electronic Purchases made without\npresenting the Card or (3) any other circumstance where you authorize a charge, or authorize someone else to make a charge, to your Account. Each person\nwho is included within the definition of the term \xe2\x80\x9cyou,\xe2\x80\x9d above, is responsible to pay the full amount owed on the Account. We may require that you pay in full the\namount owed without first asking the other person(s) to pay. All payments must be made in U.S. Dollars. Any payment made by check or other negotiable\ninstrument must be drawn on a U.S. bank or a U.S. branch of a foreign bank. Subject to any mandatory provisions of applicable law, we will apply your payments\nto the balances in your Account in whatever manner we determine. You are responsible for charges made by yourself, your spouse and minor children. You are\nalso responsible for charges made by anyone else to whom you give the Card, and this responsibility continues until the Card is recovered. You cannot disclaim\nresponsibility by notifying us, but we will close the Account for new transactions if you so request and you return all Cards. Your obligation to pay the Account\nbalance continues even though an agreement, divorce decree or other court judgments to which we are not a party, may direct you or one of the other persons\nresponsible to pay the Account.\nCredit Line/Authorized Usage: Your credit line is shown on the folder containing your Card. Since we may change your credit line from time to time, your credit\nline will appear on your monthly statement. You agree not to make a Purchase or obtain a Cash Advance that would cause the unpaid balance of your Account\nto exceed your credit line. We may honor Purchases and Cash Advances more than your credit line at our sole discretion. If we do, this Agreement also applies to\nthat excess and you agree to pay the excess immediately if we request that you do so. You agree that we may change or cancel your credit line at any time\nwithout affecting your obligation to pay amounts that you owe under this Agreement. We may designate that only a portion of your credit line is available for\nCash Advances. If we do and you exceed that limit, you will be considered to have exceeded your credit line for all purposes of this Cardholder Agreement. For\nsecurity reasons, we may limit the number or dollar amount of Purchases, Cash Advance and/or Convenience Check transactions that may be accomplished\nwith your Card or Account, and we may have the right to limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify\npayments received to your Account.\nPeriodic Statements: We will send a statement at the end of each monthly billing cycle in which your Account has a debit or credit balance. Among other things,\nyour monthly statement will show your New Balance, any Finance Charge, your Credit Line and Available Credit, your Minimum Monthly Payment and the\nPayment Due Date. You should retain copies of sales slips and/or documentation of transactions to verify against your periodic statement.\nMinimum Monthly Payment: If the New Balance shown on your Monthly Statement is less than $15, your Minimum Monthly Payment (due by the Payment Due\nDate) is your New Balance. Otherwise, the Minimum Monthly Payment for each billing cycle will be the greater of $15.00 or the total of (1) 2% of the New\nBalance, plus (2) any amount past due, plus (3) if we so elect, any amount over your credit line at the time of billing. You may pay more than the Minimum\nMonthly Payment and may at any time pay the full amount you owe us.\nFinance Charges: We calculate the \xe2\x80\x9cbalance subject to Finance Charge\xe2\x80\x9d separately for Purchases and Cash Advances.\nMethod of Calculation: Finance Charge is calculated on the average daily balances of Purchases and Cash Advances in the Account. The principal balances of\nPurchases and Cash Advances are determined each day during the statement period, beginning with the principal portion of your previous balances, reduced by\npayments you make and credit we apply and increased by Purchases and Cash Advances you make and debit adjustments we make during the statement\nperiod. The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate average daily principal balances\nfor Purchases and Cash Advances to which the periodic rate is then applied. If we have \xe2\x80\x9cspecial\xe2\x80\x9d periodic rate offers in effect from time to time, we will\nseparately identify them on your monthly statement and separately disclose on your monthly statement the balances to which the special offers apply. These\nseparate balances and the related Periodic Finance Charges will be calculated in the same manner as described above.\nGrace Period: For Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance until the day we receive payment in full.\nHowever, you have a grace period for Purchases. You will not pay a Periodic Finance Charge on current or previous Purchases if you paid your New Balance in\nfull by the Payment Due Date on your previous statement (or that balance was zero or a credit amount) and you pay your new balance in full by the Payment Due\nDate on your current statement.\nNon-Grace Period: For Purchases and Cash Advances, we will add a Periodic Finance Charge from the day you take the Cash Advance or Purchase until the day\nwe receive payment in full.\nOther Charges: In addition to the Finance Charges discussed above, the following charges may be applicable to your Account.\nAnnual Fee: None\n\n\x0cLate Fee: If we do not receive a payment from you for at least the amount of your Minimum Monthly Payment by the Payment Due Date shown on your monthly\nstatement, we may charge you a late payment fee in the amount stated in the Table of Charges. You will only be charged one late payment fee for any Minimum\nMonthly Payment which is not paid by the Payment Due Date.\nReturn Check Fee: If your financial institution does not honor the check, you gave us to pay amounts you owe under this Agreement, we may charge you a return\ncheck fee in the amount stated in the Table of Charges.\nAdministrative Fees: If you request photocopies of sales slips or duplicate copies of monthly statements, or if you request replacement Cards or any special\nservices such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for such services. The present charges for such services are\nspecified in the Table of Charges. However, if you request items such as sales slips or duplicate statements in connection with any disputed billing matter (see\n\xe2\x80\x9cYour Billing Rights\xe2\x80\x9d on the back panel), we will not impose a fee if a billing error is disclosed. Unless otherwise arranged between us, the annual membership\nfee (if any) and any late, return check, or administrative fee will be added to your Account.\nDefault/Collection Costs: Your Account will be in default and we may demand immediate payment of the entire amount you owe us without giving you prior\nnotice if: (1) in any month we do not receive your Minimum Monthly Payment by the Payment Due Date; (2) you make Purchases or obtain Cash Advances in\nexcess of your credit line; (3) you fail to comply with this Agreement; (4) there is a filing for your bankruptcy; (5) you die or become incapacitated; or (6) we\nbelieve in good faith that the payment or performance of your obligations under this Agreement is impaired for any other reason. As permitted by applicable law,\nyou agree to pay all collection expenses actually incurred by us in the collection of amounts you owe under this Agreement (including court costs and the fees of\nany collection agency to which we refer your Account) and, in the event we refer your Account after your default to an attorney who is not our regularly salaried\nemployee, you agree to pay the reasonable fees for such attorney. We will not be obligated to honor any attempted use of your Account if a default has occurred,\nor we have determined to terminate your Account or limit your Account privileges (as discussed below).\nSecurity Interest: To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase\nthrough the Account as described on your credit card receipt. If you default, we will have the right of recovery any of these goods that have not been paid for.\nPledge of Shares: You hereby pledge your accounts and credits and any additions to such accounts and credit that you have or hereafter may have in this Credit\nUnion as a security of any obligation to the Credit Union. This pledge is given to secure the payment of all your Account obligations to us and interest that may\naccrue thereon, attorney fees and costs (where federal law permits and where federal law overrides prohibition of attorney fees by state law). You hereby\nauthorize us to apply all such monies pledged to the payment of said obligations. This pledge shall not apply to Individual Retirement Accounts, Keogh Act\nAccounts and accounts where the pledging of such accounts would invalidate such accounts. Any security agreement given at this time for collateral shall be\nsigned and made a part of your file. When any additional security is needed in the future circumstances, which we do not now foresee, such additional security\nwill be taken only with your written consent and a copy of the Security agreement will be furnished to you.\nTermination: We may terminate your privileges under this Agreement or limit your right to make Purchases or obtain Cash Advances at any time (and list your\nAccount in warning bulletins) without notice or liability. If we ask, you must return your Cards and any unused Convenience Checks to us, cut in half. You agree\nthat you will not try to make a Purchase or obtain a Cash Advance after you have been notified that your privilege to use your Account has been terminated. You\nmay terminate this Agreement at any time. If you do, you must return to us all Cards and Convenience checks previously issued on the Account. If you call us, we\nmay require that you confirm your intent to terminate in writing. Your or our termination will not affect your existing obligations under this Agreement or your\nliability for all charges posted to your Account prior to the time all Cards and unused Convenience Checks issued on your Account are returned to us.\nNotices: We will send statements and any other notices to you at the address shown in our files. You promise to inform us promptly in writing of any change in\nyour address. We may at our discretion accept address corrections from the United States Postal Service.\nForeign Currency Transactions: The exchange rate for international transactions will be a rate selected by VISA or MasterCard from the range of rates available\nin wholesale currency markets, which may vary from the rate VISA or MasterCard receives, or the government-mandated rate in effect for the applicable central\nprocessing date.\nChange in this Agreement: We can change the terms of this agreement, including the Annual Percentage Rate and any fees at any time. We will notify you of the\nchange. As permitted by applicable law, any change in this Agreement will become effective at the time stated in our notice and unless we state otherwise, the\nchange will apply to all outstanding balances in your Account as well as to new transactions.\nCredit Information: You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and\nadministration of your Account. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and requests\nfrom) others, such as merchants and credit reporting agencies.\nPhone Calls: In the regular course of our business we may monitor, and record phone conversations made or received by our employees. You agree that we will\nhave such right with respect to all phone conversations between you and our employees whether initiated by you or any of our employees.\nRefusal to Honor Card: We are not responsible for refusals to honor your Card or Convenience Checks. And, except as otherwise required by applicable law or\nregulation, we will not be responsible for merchandise or services purchased or leased through use of your Account.\nIrregular Payments and Delay in Enforcement: We can accept late payments, partial payments, checks and money orders \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the\nsame effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of items without\nlosing them. The fact that we may at any time honor a Purchase or Cash Advance more than your maximum credit line does not obligate us to do so again.\nUnauthorized Use of Your Account: If your Card, Personal Identification Number (PIN) or Convenience Checks are lost or stolen or if you are afraid someone may\nuse your Account without your permission, you must notify us at once. You may be liable for that unauthorized use of your Account. You will not be liable for\nunauthorized use that occurs after you notify us. You can give us notification of the loss, theft or unauthorized use of your Account by writing to us at PO Box\n1358, Bartlesville, OK 74005-1358 or verbally by calling us at 918.336.7662 or 800.897.6991. In any case, your maximum liability is $50.00. We may limit\naccess to your Account if you have notified us or we have determined that your Card, PIN, Convenience Checks may have been lost or stolen, or that there may\nbe unauthorized access to your Account.\nInquiries or Questions: You may address any inquiries or questions which you have about your Account to us at PO Box 1358, Bartlesville, OK 74005-1358, or\nyou may call us 918.336.7662 or 800.897.6991. If you telephone us instead of writing, you may lose certain rights the law gives you to dispute billing errors\n(see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d below).\n\n\x0cTable of Charges\nThe Annual Percentage Rate (APR) is a Variable rate and will be disclosed on your monthly statement along with the periodic rate. The Annual Percentage Rate\nfor new and existing balances may change the first day of January, April, July and October, or anytime during the billing cycle with appropriate notice as required\nby law if the rate will increase. The Annual Percentage Rate for all new and existing balances for the VISA/MasterCard program is based on the publicly quoted\nPrime Rate as of the first day of the calendar quarter for the quarter preceding the date of any change plus a margin that is based on your creditworthiness. The\nmaximum APR will not exceed the rate permitted under the Federal Credit Union Act. The APR may be adjusted upward based on individual credit standings,\ndebt to income ratio and aggregate credit score. Credit scores are reviewed bi-annually and any change in score may result in a change to your APR.\nCash Advance, Balance Transfer, Convenience Check\nand ATM Withdrawal Fee:\nDuplicate of Merchant Sales Slip:\nDuplicate Copy of Monthly Billing Statement\nReplacement Card (in excess of 1 per year)\nExpedited Shipping of Cards:\nStop Payment Fee (Convenience Checks):\nDomestic Transaction Fee\nForeign Transaction Fee\nLate Payment Fee\nReturn Payment Fee\n\n3% of the Cash Advance Amount or $10, whichever is greater\n$5.00\n$3.00 (Research Fee $25/hour)\n$10.00\nQuoted at time of issue\n$28.00\nNone\n1% of Transaction Amount (Excludes Signature Rewards Program)\n$28.00 (5 days past the Due Date)\n$28.00\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT/BILLING AT:\nCardholder Services, PO Box 31112, Tampa, FL 33631-3112\n800.654.7728\nIf you think your billing statement is wrong or if you need more information about a transaction on your billing statement, write us on a separate sheet of paper\nand mail to the above address which is also listed on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after\nwe sent you the first billing statement on which the error or problem appeared. You can telephone us, however doing so will not preserve your rights.\nIn your letter, give us the following information:\n- Your name and account number.\n- The dollar amount of the suspected error.\n- Describe the error and explain, if you can, why you believe there is an error.\n- If you need more information, describe the item you are unsure about.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you\nquestion, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you\nmay have to pay finance charges and make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount\nowed and the date that it is due. If you fail to pay the amount, we think you owe, we may report you as delinquent. However, if our explanation does not satisfy\nyou and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question on your bill. And we\nmust tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill was correct.\nSPECIAL RULE FOR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you purchased with your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right to not pay the remaining amount due on the property or services. To use this right, all the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement, we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address below. While we investigate, the same rules\napply to the disputed amount as discussed above. After we finish our investigation, we will tell you, our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\nTruity Federal Credit Union, 501 S Johnstone, PO Box 1358, Bartlesville, OK 74005-1358\n800.897.6991, Talk2Us@TruityCU.org\nTO REPORT A LOST OR STOLEN CARD OR OTHER ACCESS DEVICE AFTER HOURS CALL:\n800.449.7728\n\nThis agreement is accurate as of May 1, 2020. For the most current Cardholder Agreement, visit TruityCU.org or call 800.897.6991.\n\n\x0c'