b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM MASTERCARD/SECURED MASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Hanscom Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $15.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$15.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to Your Account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to Your Account. A foreign\ntransaction is any transaction that You complete or a merchant completes on Your Card outside of the United States, with\nPage 2 of 6\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0cthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other agreement You have with Us.\nWhen You are in default and after expiration of any right You have under applicable state law to cure Your default, the\nCredit Union has the right to demand immediate payment of Your full account balance. If immediate payment is\ndemanded, You agree to continue paying finance charges at the periodic rate charged before default, until what You owe\nhas been paid. Also, subject to applicable state law, any shares that were given as security for Your Account may be\napplied towards what You owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 1610 Eglin Street,\nHanscom AFB, MA, 01731 or call Us at (800) 656-4328 or (412) 552-2698, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0c14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMassachusetts.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Mastercard Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Mastercard Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Mastercard Credit Card\npayments, at the Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is\nalso subject to a separate agreement between You and the Credit Union. Where the terms of any other agreement\nbetween You and the Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n26. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n28. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\nPage 4 of 6\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0ccovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n29. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n30. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n31. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n32. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n33. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n34. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow 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 question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You 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\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n02002064-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA PLATINUM VARIABLE\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nThis APR will vary with the market based on the Prime Rate.\n9.25%\nAPR for Balance Transfers\nThis APR will vary with the market based on the Prime Rate.\n9.25%\nAPR for Cash Advances\nThis APR will vary with the market based on the Prime Rate.\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nFees\nTransaction Fees\nNone\n- Balance Transfer Fee\nNone\n- Cash Advance Fee\n- Foreign Transaction Fee\n1.00% of each transaction in U.S. dollars\n\n9.25%\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal 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\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are one or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nCharter Oak Federal Credit Union\n\n00607254-MXC20-P-1-051517 (MXC201-E)\n\n\x0cReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$25.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nRush Fee:\n$25.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nCollection Costs:\nFor Connecticut Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement,\nincluding reasonable attorney\'s fees not in excess of 15.00% of any judgment and all court costs.\nFor All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including\ncourt costs and reasonable attorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 9.25% which is a daily periodic rate of 0.0253%.\nThe Balance Transfer APR is 9.25% which is a daily periodic rate of 0.0253%.\nThe Cash Advance APR is 9.25% which is a daily periodic rate of 0.0253%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nfirst Tuesday of January, April, July, and October of each year, to which We add a margin. The ANNUAL PERCENTAGE\nRATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in\nthe amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments\nto pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\n6.00% above the Index.\nPurchases will be charged at\n6.00% above the Index.\nBalance Transfers will be charged at\nCash Advances will be charged at\n6.00% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nCharter Oak Federal Credit Union\n\n00607254-MXC20-P-1-051517 (MXC201-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM VARIABLE/VISA PLATINUM\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum Variable\n\n9.25%\n\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n\n13.99%\nAPR for Balance Transfers\n\nVisa Platinum Variable\n9.25%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nVisa Platinum\n13.99%\nVisa Platinum Variable\n9.25%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum\n13.99%\n\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 21, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nCharter Oak Federal Credit Union\n\n00607254-MXC10-P-1-051517 (MXC101-E)\n\n\x0cFor California Borrowers, the Visa Platinum Variable and Visa Platinum are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$25.00.\nRush Fee:\n$25.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nCharter Oak Federal Credit Union\n\n00607254-MXC10-P-1-051517 (MXC101-E)\n\n\x0c'


b'VISA PLATINUM/VISA PLATINUM SECURED/\nVISA SIGNATURE CASH REWARDS/\nF1\nVISA SIGNATURE TRAVEL REWARDS\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n0.00%\n)\x15\n\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n\n7.99%\n)\x16\n\n16.99%\nWR )\x17\n\n\x0f EDVHG RQ\n$IWHU WKDW \\RXU $35 ZLOO EH\n\\RXU FUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Platinum Secured\n\n8.99%\n)\x18\n7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH 3ULPH 5DWH\x11\nVisa Signature Cash Rewards\n\n0.00%\n)\x19\n\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n\n10.99%\n15.99% \x0f\n)\x1a\nWR )\x1b\n\n$IWHU WKDW \\RXU $35 ZLOO EH\nEDVHG RQ\n\\RXU FUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Signature Travel Rewards\n\n0.00%\n)\x1c\n\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n\n12.99%\n14.99% \x0f\n)\x14\x13\nWR )\x14\x14\n\nAPR for Balance Transfers\n\nEDVHG RQ\n$IWHU WKDW \\RXU $35 ZLOO EH\n\\RXU FUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Platinum\n0.00%\nF12\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n$IWHU WKDW \\RXU $35 ZLOO EH 7.99%\nF13\nto 16.99%\nF14\n, EDVHG RQ \\RXU\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Platinum Secured\n8.99%\n)\x14\x18\n7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH 3ULPH 5DWH\nVisa Signature Cash Rewards\n0.00%\nF16\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n$IWHU WKDW \\RXU $35 ZLOO EH 10.99%\nF17\nto 15.99%\nF18\n, EDVHG RQ \\RXU\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Signature Travel Rewards\n0.00%\nF19\n,QWURGXFWRU\\ $35 IRU D SHULRG RI \x14\x15 ELOOLQJ F\\FOHV\x11\n$IWHU WKDW \\RXU $35 ZLOO EH 12.99%\nF20\nto 14.99%\nF21\n, EDVHG RQ \\RXU\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n01901629-MXC40-P-1-110615 (MXC403 CCM003)-e\n\n6(( 1(;7 3$*( IRU PRUH LPSRUWDQW LQIRUPDWLRQ DERXW \\RXU DFFRXQW\x11\n\n\x0cAPR for Cash Advances\n\nVisa Platinum\n7.99%\n)\x15\x15\nWR 16.99%\n)\x15\x16\nZKHQ \\RX RSHQ \\RXU DFFRXQW\x0f EDVHG RQ \\RXU\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nVisa Platinum Secured\n8.99%\n)\x15\x17\n7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH 3ULPH 5DWH\x11\nVisa Signature Cash Rewards\n10.99%\n15.99% ZKHQ \\RX RSHQ \\RXU DFFRXQW\x0f EDVHG RQ \\RXU\n)\x15\x18\nWR )\x15\x19\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\n\nPenalty APR and When it Applies\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\n$QQXDO )HH\nTransaction Fees\n\x10 %DODQFH 7UDQVIHU )HH\n\x10 &DVK $GYDQFH )HH\n\x10 )RUHLJQ 7UDQVDFWLRQ )HH H[FOXGLQJ 9LVD\n6LJQDWXUH 7UDYHO 5HZDUGV\n\x10 )RUHLJQ 7UDQVDFWLRQ )HH 9LVD 6LJQDWXUH\n7UDYHO 5HZDUGV\nPenalty Fees\n\x10 /DWH 3D\\PHQW )HH\n\x10 2YHU\x10WKH\x10&UHGLW /LPLW )HH\n\x10 5HWXUQHG 3D\\PHQW )HH\n\nVisa Signature Travel Rewards\n12.99%\n14.99% ZKHQ \\RX RSHQ \\RXU DFFRXQW\x0f EDVHG RQ \\RXU\n)\x15\x1a\nWR )\x15\x1b\nFUHGLWZRUWKLQHVV\x11 7KLV $35 ZLOO YDU\\ ZLWK WKH PDUNHW EDVHG RQ WKH\n3ULPH 5DWH\x11\nNone\n)\x15\x1c\n<RXU GXH GDWH LV DW OHDVW \x15\x18 GD\\V DIWHU WKH FORVH RI HDFK ELOOLQJ F\\FOH\x11\n:H ZLOO QRW FKDUJH \\RX DQ\\ LQWHUHVW RQ SXUFKDVHV LI \\RX SD\\ \\RXU HQWLUH\nEDODQFH E\\ WKH GXH GDWH HDFK PRQWK\x11\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n)\x16\x13\n$10.00\n)\x16\x14\nRU 2.00%\n)\x16\x15\nRI WKH DPRXQW RI HDFK EDODQFH WUDQVIHU\x0f ZKLFKHYHU\nLV JUHDWHU\n$10.00\n)\x16\x16\nRU 2.00%\n)\x16\x17\nRI WKH DPRXQW RI HDFK FDVK DGYDQFH\x0f ZKLFKHYHU LV\nJUHDWHU 0D[LPXP )HH\x1d $75.00\n)\x16\x18\n1.00%\n)\x16\x19\nRI HDFK WUDQVDFWLRQ LQ 8\x116\x11 GROODUV\nNone\n)\x16\x1a\n8S WR $25.00\n)\x16\x1b\nNone\n)\x16\x1c\n8S WR $25.00\n)\x17\x13\n\n+RZ :H :LOO &DOFXODWH <RXU %DODQFH\x1d :H XVH D PHWKRG FDOOHG \xc2\xb3DYHUDJH GDLO\\ EDODQFH LQFOXGLQJ QHZ SXUFKDVHV \x11\xc2\xb4\n3URPRWLRQDO 3HULRG IRU ,QWURGXFWRU\\ $35\x1d 7KH ,QWURGXFWRU\\ $35 IRU SXUFKDVHV DQG EDODQFH WUDQVIHUV ZLOO DSSO\\ WR\nWUDQVDFWLRQV SRVWHG WR \\RXU DFFRXQW GXULQJ WKH ILUVW \x14\x15 PRQWKV IROORZLQJ WKH RSHQLQJ RI \\RXU DFFRXQW\x11\nEffective Date:\n7KH LQIRUPDWLRQ DERXW WKH FRVWV RI WKH FDUG GHVFULEHG LQ WKLV DSSOLFDWLRQ LV DFFXUDWH DV RI November\n)\x17\x14\n1, 2015 \x11\n7KLV LQIRUPDWLRQ PD\\ KDYH FKDQJHG DIWHU WKDW GDWH\x11 7R ILQG RXW ZKDW PD\\ KDYH FKDQJHG\x0f FRQWDFW WKH &UHGLW 8QLRQ\x11\nOTHER DISCLOSURES\n/DWH 3D\\PHQW )HH\n5HWXUQHG 3D\\PHQW )HH\n&DUG 5HSODFHPHQW )HH\n3D\\\x10E\\\x103KRQH )HH\n5XVK &DUG )HH\n\n)\x17\x15\nRU WKH DPRXQW RI WKH UHTXLUHG PLQLPXP SD\\PHQW\x0f ZKLFKHYHU LV\n$25.00\nOHVV\x0f LI \\RX DUH RQH RU PRUH GD\\V ODWH LQ PDNLQJ D SD\\PHQW\x11\n)\x17\x16\nRU WKH DPRXQW RI WKH UHTXLUHG PLQLPXP SD\\PHQW\x0f ZKLFKHYHU LV\n$25.00\nOHVV\x11\n)\x17\x17\n$5.00\n)\x17\x18\n$10.00\n)\x17\x19\n$25.00\n\n01901629-MXC40-P-1-110615 (MXC403 CCM003)-e\n\n\x0c'


b'VISA CARD ACCOUNT AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE\nEffective April 1, 2019\nDEAR MEMBER: This Visa Card Account Agreement and Federal Truth-in-Lending Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) governs your Pacific Service CU Visa account (\xe2\x80\x9cAccount\xe2\x80\x9d). Your Visa\naccount is an open end Line-of-Credit loan. By requesting, receiving, signing, using or permitting others to use the Account and/or Visa card(s) issued to you by Pacific Service CU, you\naccept and agree to be bound by the terms and conditions of this Agreement and any amendments thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.\nAGREEMENT TERMS: In this Agreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cPacific Service CU\xe2\x80\x9d and \xe2\x80\x9cthe Credit Union\xe2\x80\x9d refer to Pacific Service Credit Union. The terms \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and\n\xe2\x80\x9cCardholder\xe2\x80\x9d refer to each and all who apply for or use the Account and/or card. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa card issued to you by Pacific Service CU and any duplicates and/or renewals we\nmay issue. If this is a joint Account, each Cardholder is individually and jointly liable for all amounts owing under the terms and provisions of this Agreement. Use of the singular includes\nthe plural, and use of the plural includes the singular.\nCHANGE OF TERMS: Account and Agreement terms are not guaranteed for any period of time. You understand and agree that we may amend, modify, add to, or delete from this\nAgreement any of its terms and conditions, including financial terms such as the method of application and the amount of any FINANCE CHARGE, ANNUAL PERCENTAGE RATE,\nDaily Periodic Rate and/or fee in accordance with applicable laws, by mailing a notice of the change to you at your last known address. You also understand that in the event of a\nsignificant change, as defined under the Federal Truth-in-Lending Act, any such notice will be mailed at least forty-five (45) days prior to the effective date of the change as required by\napplicable law. You will have the right to reject significant changes to this Agreement prior to the effective date of such changes, unless you fail to make a required minimum payment\nwithin sixty (60) days after its due date. If you reject any such significant changes to this Agreement, we reserve the right to close your Account and require that you pay us the balance\nof the Account at terms no less favorable to you than our choice of the following: (1) in accordance with the terms of this Agreement in effect as of the date you notify us of your rejection;\n(2) by recalculating your Minimum Monthly Payment based on a five (5) year amortization of your Account balance from the date you notify us of your rejection; or (3) by recalculating\nyour Minimum Monthly Payment based on a percentage of the Account balance that is no more than twice the percentage required on the date you notify us of your rejection. We may\nchange the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. Notice of a change in terms is required, but\nmay be sent as late as the effective date of the change when the change has been agreed to in writing, by you, or as otherwise permitted by applicable law.\nMILITARY LENDING ACT DISCLOSURE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an ANNUAL PERCENTAGE RATE of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account). Please call us at (888) 858-6878 to receive Military Lending Act disclosures over the telephone.\nTERMS AND CONDITIONS APPLICABLE TO ALL VISA PLATINUM REWARDS ACCOUNTS\n1. FINANCE CHARGE RATE: The Daily Periodic Rate used in calculating the Daily Periodic FINANCE CHARGE for the Visa Platinum Rewards Account is based upon the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the print edition of the Wall Street Journal (the \xe2\x80\x9cIndex\xe2\x80\x9d). Your ANNUAL PERCENTAGE RATE for Balance Transfers,\nCash Advances and Purchases is determined by adding a \xe2\x80\x9cMargin\xe2\x80\x9d as set forth in the \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-in-Lending Act\xe2\x80\x9d to the Index in effect as of the last\nbusiness day of the preceding month of your Adjustment Date. The Initial Daily Periodic Rate in effect as of the date of this Agreement is set forth in the \xe2\x80\x9cAdditional Disclosure\n\xe2\x80\x93 Federal Truth-in-Lending Act\xe2\x80\x9d (the Initial ANNUAL PERCENTAGE RATE as of the date of this Agreement is set forth in the \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-in-Lending\nAct\xe2\x80\x9d).\nYour ANNUAL PERCENTAGE RATE may increase or decrease every month. Any such change will be based on an increase or decrease in the Index as set forth below. In\nthe event that the Prime Rate ceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index. We may waive an increase in the\nANNUAL PERCENTAGE RATE when such an increase can be made, but such a waiver shall not be construed as a waiver of our right to increase the ANNUAL PERCENTAGE\nRATE at a future date when entitled to do so.\nYour ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the month. These dates shall be known as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d The Index in effect on\nthe last business day of every month following one full billing cycle shall be used to calculate the ANNUAL PERCENTAGE RATE change effective on the Adjustment Date. For\nexample, the Index in effect on the last business day in January shall be used to calculate the ANNUAL PERCENTAGE RATE change effective on the first day in March. All\nother Adjustment Date rate changes will follow the same pattern.\nThere is no maximum ANNUAL PERCENTAGE RATE or minimum ANNUAL PERCENTAGE RATE during the term of this Agreement. There are no annual (or other)\nlimitations on changes in the ANNUAL PERCENTAGE RATE during the term of this Agreement. Decreases in the ANNUAL PERCENTAGE RATE in accordance with the\nterms of the Agreement are mandatory. Increases in the ANNUAL PERCENTAGE RATE in accordance with the terms of the Agreement are at our discretion. Any increase\nor decrease in the ANNUAL PERCENTAGE RATE will result in changes in the amount and/or number of payments required to repay the unpaid balance.\nThe Daily Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 365 and will change when the ANNUAL PERCENTAGE RATE changes.\n2. ANNUAL FEE: There is no annual fee for this Account.\n3. CREDIT LIMIT: A Credit Limit will be established by the Credit Union at the time your Account is opened. This Credit Limit appears on the mailer you receive with your Visa\ncard and on your monthly billing statement. You agree not to use your Account in any way that will cause your balance to exceed your assigned Credit Limit.\n4. CARD USES: You agree that each use of your Account constitutes a loan in the amount of the transaction. You may use your Account to obtain three types of credit, up to the\namount of your available Credit Limit. PURCHASES: You can use your Account to charge goods or services wherever Visa is accepted. CASH ADVANCES: You can use\nyour Account to receive Cash Advances from the Credit Union or other financial institutions honoring Visa. You can also use your Visa card with your Personal Identification\nNumber (PIN) to receive Cash Advances at Automated Teller Machines (ATMs) displaying the Visa logo. Visa checks are also available to obtain Cash Advances. These\nchecks may be supplied when an account is initially established, a Credit Limit increase is granted, and during occasional promotions. Use of Visa checks as well as other\nperiodic promotional checks and Account access means will be treated as a Cash Advance in calculating FINANCE CHARGES. Visa checks are not considered a credit card\npurchase and therefore cannot be disputed once this item has been paid. BALANCE TRANSFERS: Any Balance Transfer transactions, in which you transfer all or a portion of\nyour credit card account balance under a different account, whether the different account is with the Credit Union or another credit card issuer, to this Account will also be treated\nas a Balance Transfer. Your Visa card and/or account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or\nsimilar activity or transaction. Further, you may not utilize your Visa card and/or Account for the purchase of any goods or services on the Internet that involves gambling, gaming,\nbetting or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce\n\n\x0ctransaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering.\nHowever, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges.\n5. OVERDRAFTS FROM CHECKING ACCOUNT: If you elected overdraft protection from your Account, we may, but shall not be required to, pay overdrafts to your Checking\nAccount(s) by transferring funds in such sum(s) as established by us from time to time to cover such overdrafts from your Visa Account in which case such a transfer shall\nconstitute a Cash Advance subject to the terms and conditions of this Agreement. We will not pay overdrafts from your Visa Account if your Account balance exceeds the\napplicable Credit Limit or such overdraft transfer would result in the Account balance exceeding your Credit Limit.\n6. PROMISE TO PAY: You authorize us to pay and charge your Account for all Purchases, Balance Transfers and Cash Advances made or obtained by you or anyone you\nauthorize to use your Card or Account. You will be obligated to pay all such Purchases, Balance Transfers and Cash Advances charged to your Account whether resulting from:\n(1) actual use of your Card or Convenience Checks; (2) mail order or telephone, computer, or other electronic Purchases made without presenting the Card; (3) any other\ncircumstance where you authorize a charge, or authorize someone else to make a charge, to your Account (collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). You promise to pay us or to our\norder in U.S. Dollars with an instrument drawn on a financial institution in the United States at our office or at the address set forth on your periodic statement, all authorized\ncharges on the terms and at the rates set forth, herein, plus any FINANCE CHARGES assessed on your Account and any other charges and fees which you may owe us under\nthe terms of this Agreement. Payments will continue until you have paid in full the unpaid balance, FINANCE CHARGES, and all collection-related charges, attorneys\xe2\x80\x99 fees that\nwe incur in enforcing this Agreement, and any other fees and charges.\n7. FINANCE CHARGE CALCULATION \xe2\x80\x93 AVERAGE DAILY BALANCE (INCLUDING CURRENT TRANSACTIONS): A Periodic FINANCE CHARGE for a billing cycle is\ncalculated on the closing date of your statement by multiplying the Average Daily Balance of your Account (including current transactions) by the applicable Daily Periodic Rate\n(refer to Section I or II) and by the number of days in the billing cycle. To get the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d we take the beginning balance of your Account on each day of the\nbilling period, add any new Purchases, Balance Transfers and Cash Advances, and subtract any payments or credits, and any unpaid FINANCE CHARGES and Late Charges.\nThis gives us the daily balance. Then, we add all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average\nDaily Balance.\xe2\x80\x9d Actual FINANCE CHARGES will be shown on your statement.\n8. GRACE PERIOD: We will not assess any FINANCE CHARGES on Purchase balances if you pay the New Balance shown on your monthly statement by the Payment Due\nDate. This grace period will always be at least 25 days long. There is no grace period for Balance Transfers or Cash Advance transactions. FINANCE CHARGES on Balance\nTransfers or Cash Advances begin on the date the Advance is posted to your Account and continue to accrue until the date the Advance is paid in full.\n9.\n\nREPAYMENT: Every month you agree to make at least the Minimum Monthly Payment by the Payment Due Date shown on your monthly billing statement. The Payment\nDue Date will always be at least 25 days after the closing date of your statement. The required Minimum Monthly Payment includes the Scheduled Payment ($25.00 or 2%\nof the New Balance, whichever is greater), PLUS any Scheduled Payments which have not been paid from previous billings (Past due), PLUS any amount of the New\nBalance which exceeds your Credit Limit (over limit) PLUS any fees. If the New Balance on your statement is less than $25.00, the minimum payment due is equal to the\nNew Balance. You may always pay more frequently, pay more than the Minimum Monthly Payment, or pay the New Balance in full, and you will reduce your periodic\nFINANCE CHARGE by doing so. You understand and agree that we will apply Minimum Monthly Payments to your Account in the following order: First to unpaid fees and\ncharges (such as Late Charges and FINANCE CHARGES), then to previously billed, outstanding principal balances of Cash Advances, Balance Transfers and\nPurchases. Any payment you make in excess of the Minimum Monthly Payment will be applied to the balance with the highest ANNUAL PERCENTAGE RATE first, then to\neach successive balance with the next highest APR. We may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language to\nindicate full satisfaction of any indebtedness, without being bound by such language or waiving any rights under this Agreement. Full satisfaction of indebtedness shall be\naccepted by us only in a written agreement, signed by an authorized representative. Any payments not received by us on or before the Payment Due Date will be considered\nPast Due (in default). Payments for your Account should be sent to the Visa Credit Card Center at the address shown on your billing statement. You should not include other\npayments or deposits with your Visa payment. If you do, crediting of the additional payments or deposits will be delayed.\n\n10. PREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the Minimum Monthly Payment, you understand that you have the right to repay the unpaid balance\nat any time without penalty. You also understand that you will only be charged FINANCE CHARGES to the date you repay the entire unpaid balance. You may make larger\npayments without penalty and this will reduce the total amount of FINANCE CHARGES that you will repay. If you pay more than the Minimum Payment Due in any month and\nthere is still a balance due, you must continue to make Minimum Payments in future months. Any partial prepayment of the unpaid balance will not delay your next scheduled\ndue date. You understand that any payment that (a) delays or (b) accelerates the repayment of the unpaid balance will (a) increase or (b) decrease your FINANCE CHARGES.\n11. LATE FEE: We will charge a Late Fee with respect to any monthly billing cycle as a late payment fee on the minimum payment due that is not paid within 10 days after the date\nthe payment is due. However, the Late Fee shall not exceed the maximum amount permitted under applicable state law. The Credit Union will assess only one late payment fee\nfor each payment that is late.\n12. CREDIT LIFE AND/OR DISABILITY INSURANCE: If credit insurance is offered on the Account and you request it, the premium will be calculated monthly by multiplying the\npremium rate by the outstanding balance on the Account. We will add the premium amount to the Account balance on the Billing Cycle Closing Date. The purchase of this\ninsurance is entirely voluntary and is not required for credit approval. You acknowledge receiving a copy of the credit insurance documents which contain current rates and other\ninformation. You understand and agree that if you have premium(s) indicated on the election form they have been included as part of your payment. If you decide to cancel such\ninsurance, you must do so in writing and you agree to pay all premiums up to the date we act on your request to cancel. You further understand that your payment will not\ndecrease if you cancel your credit insurance, but will be applied to your remaining principal.\n13. OTHER CHARGES: Other charges which may be added to your Visa account are:\nLate Fee\nSales Draft Copy Fee\nStatement Copy Fee\nCard Replacement Fee\nReturned Payment Fee\nStop Payment Recurring Transaction\nThese fees will be charged to your Account in accordance with our Rate and Fee Schedule for each applicable occurrence.\n14. PURCHASES, BALANCE TRANSFERS AND ADVANCES: You may make purchases, balance transfers and request advances in accordance with then current loan policies\nup to your Credit Limit. You understand and agree that all purchases and other transactions requested by you or anyone you have permitted to use the Card(s) and/or Account\nare subject to our approval.\n15. USING THE CARD: To make a purchase or obtain an advance, there are two alternative procedures to be followed. One is for you to present the Card or Card number to a\nparticipating Visa plan merchant, to us or to another financial institution, and sign or authorize a sales or cash advance draft. The other is to complete the transaction by using\nthe Personal Identification Number (PIN) in conjunction with the Card in an Automated Teller Machine (ATM) or other type of electronic terminal that provides access to the Visa\nsystem.\n\n\x0c16. ELECTRONIC FUND TRANSFER: In the event a use of the Card or the Account number of the Card constitutes an Electronic Fund Transfer, the terms and conditions of your\nElectronic Fund Transfer Agreement and Disclosure with us shall govern such transactions to the extent the Electronic Fund Transfer Agreement and Disclosure expands or\namends this Agreement and Disclosure Statement.\n17. TRANSACTION SLIPS: Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance,\ncredit or other slips cannot be returned with the periodic statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify your periodic\nstatement. We may make a reasonable charge for any photocopies or slips you request.\n18. PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan merchant or financial institution to honor the Account and/or Card. We are subject to claims\nand defenses (other than tort claims) arising out of goods or services you purchase with the Card only if you have made a good faith attempt but have been unable to obtain\nsatisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more\nthan $50.00 and was made from a plan merchant in your state or within 100 miles of your current mailing address. Any other dispute you must resolve directly with the plan\nmerchant.\n19. RETURNS, ADJUSTMENTS, AND CREDIT BALANCES: Merchants and others who honor the Account and/or card may give credit for returns and adjustment by processing\na credit slip which will be posted to your Account. If credits and payments to your Account exceed what you owe, your Account will carry a credit balance which will be applied\ntoward future Purchases, Balance Transfers, Cash Advances, or fees which post to your Account. For Credit Balances of $100 or more, we will transfer the Credit Balance to\nyour Credit Union regular share account within 5 business day(s) of the Credit being posted to your Account. For Credit Balances less than $100, we will issue a refund at your\nwritten request or automatically after six (6) months.\n20. AUTHORIZATIONS: Most transactions require approval of funds. Approvals result in placing a hold against your Credit Limit. We may limit the number or amount of approvals\nor Purchases, Balance Transfers and Advances per day or deny transactions when we detect unusual or suspicious activity, even if you have sufficient credit available. We are\nnot liable for failing to approve any transaction and we may, although we are not required to, approve transactions above your available credit. We are not liable if a merchant,\nfinancial institution or ATM does not honor your Card.\n21. FOREIGN TRANSACTIONS: Purchases, Cash Advances and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars\nwill be made in accordance with the Visa operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used\nfor processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different\nthan the rate on the day of the transaction or date of the posting of the Account. When a credit to the Account does not fully offset a charge to the Account due to changes in\nthe rate, you are responsible for the differences.\n22. IF YOUR CARD IS REFUSED: Some transactions may require authorization before the transaction is accepted. Although you may have credit available, particular transactions\nmay not be authorized due to operational difficulties or mistakes. If your Account balance has exceeded your Credit Limit, or if your payment is past due, authorization for\ntransactions may be declined. Pacific Service CU and Visa International, Inc. are not liable if any merchant, financial institution, an ATM or any third party does not honor your\nVisa card.\n23. ADDITIONAL CARDHOLDERS: You may obtain additional cards, at no extra charge, for persons you designate as authorized users of your Pacific Service CU Visa Account.\nThe additional card(s) will be embossed with the additional Cardholder\xe2\x80\x99s name(s). You agree to repay us according to the terms of this Agreement for all purchases, balance\ntransfers, advances, FINANCE CHARGES, late charges and/or any over limit fees, if any, arising from the use of the Account by you or any other person you permit to use the\nAccount, even if that person exceeds your permission. You cannot disclaim responsibility by notifying us, although we will close the Account if you so recover the additional\nCardholder\xe2\x80\x99s card and return it to us with written instructions to cancel the additional Cardholder\xe2\x80\x99s privileges. Your obligation to pay the Account balance continues even though\nan agreement, divorce decree, or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person using\nthe Account and/or Card is jointly and severally responsible with you for charges he or she makes, but if that person signs the Card, he or she becomes a party to this Agreement\nand is also responsible for all charges on the Account, including yours. The Cards remain our property and you must recover and surrender to us all Cards upon our request\nand/or upon termination of this Account.\n24. OWNERSHIP OF VISA CREDIT CARD: The card(s) is the property of the Credit Union and must be surrendered to the Credit Union, or its authorized representative, upon\ndemand.\n25. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing, or reviewing the Account, and you authorize us to disclose information\nregarding the Account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized by law. We may adjust your Credit Limit or\nterminate your account based on our review of your credit standing and will give you notice if we make an adverse change. We may also investigate the information you gave\non your application, and/or require that you provide us with updated financial information. We may report your performance under this Agreement to credit reporting agencies. If\nyou ask us, we will tell you the names of the credit reporting agencies to which we report your performance.\n26. DEFAULT: You will be in default if (1) you do not pay on time or in the proper amount(s); (2) you fail to live up to any of the terms of this Agreement; (3) your creditworthiness is\nimpaired, (4) you die, become insolvent, or are the subject of bankruptcy or receivership proceedings, (5) your Account balance exceeds your Credit Limit, (6) you fail to notify\nus of material change in your financial status and/or changes in your ability to repay any amount borrowed under this Agreement; (7) you have made any misrepresentations of\nyour financial status on any credit application made to the Credit Union; or (8) you are no longer a member in good standing of the Credit Union. In the event of any action by us\nto enforce this Agreement, you agree to pay the costs thereof, reasonable attorney\xe2\x80\x99s fees, and other expenses. You understand and agree that FINANCE CHARGES at the\nANNUAL PERCENTAGE RATE as permitted under this Agreement will continue to accrue until you repay your entire loan. Upon your default, you understand and agree that\nwe have the right to temporarily or permanently suspend any and all Account and Card privileges and/or we may demand immediate payment of the unpaid balance, FINANCE\nCHARGES, late charges, over limit fees, our collection costs, reasonable attorney\xe2\x80\x99s fees, and court costs (collectively, \xe2\x80\x9ccollection-related charges\xe2\x80\x9d). You understand and agree\nthat you will be subject to FINANCE CHARGES (at the applicable Daily Periodic Rate), late charges, over limit fees, and collection-related charges under the terms disclosed in\nthis Agreement until you repay your entire loan.\n27. COLLECTION EXPENSE: You will be liable for any costs of collection we incur while handling your Account, including but not limited to court costs and reasonable attorney\xe2\x80\x99s\nfees. Collection costs may be added to your existing Visa Account balance. If collection costs have been added to your Account balance, any payments you make may be\napplied to these costs before any other portion of your Account balance.\n28. TERMINATION: You may close your Account at any time by writing to us at the address provided in the Agreement and returning all issued cards to us. If you default in any\nobligation under this Agreement or we have evidence or a reasonable belief you will be unable or unwilling to repay your Account, we may close your Account without prior\nnotice to you. We will notify you that we have terminated your Account and tell you why we have done so. Even if your Account is terminated or closed, you must still pay us\nany outstanding balance, FINANCE CHARGES, late charges and over limit charges, if any according to the terms of this Agreement.\n\n\x0c29. RESPONSIBILITIES OF ACCOUNT HOLDER(S): You agree to notify us in writing of any change of Name, Address or Employment. You are responsible for the safekeeping\nof your Pacific Service CU Visa card, the Personal Identification Number (PIN) associated with the Account, and any other information or devices which could encourage\nunauthorized use of the Account, including Visa checks.\n30. LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us AT ONCE if you believe that the Card, Account number, PIN, Visa Checks or any combination\nof the four has been lost or stolen by immediately calling us at (888) 858-6878. Telephoning is the best way of keeping your possible losses down. You also agree to reasonably\nassist us in determining the facts and circumstances relating to any unauthorized use of the Account. You understand that your total liability to us shall not exceed $50.00 for\nany Account and/or Card transactions resulting from the loss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time you give notice to us. Such\nliability does not apply when the Account and/or Card is used to make an electronic transfer.\n31. UNAUTHORIZED USE: If you notice the loss or theft of your credit card or a possible unauthorized use of your Card, you should write to us immediately at: Pacific Service CU,\nP.O. Box 8191, Walnut Creek, CA 94596-8191 or call us at (888) 858-6878. You will not be liable for the unauthorized use that occurs after you notify us. You may, however,\nbe liable for unauthorized use that occurs before you notify us. In any case, your liability for unauthorized use will not exceed $50.00.\n32. AMENDMENTS: We reserve the right to change the terms of this Agreement, including but not limited to the ANNUAL PERCENTAGE RATE, the minimum payment amount,\nand the fee structure, by giving you 45 days written notice prior to the effective date of the change. If you do not want the changes to apply to your Account, you can close your\nAccount by giving us written notice and returning all issued cards to us. You will still have to pay any balance you owe us, but under the old terms. If you keep your card(s), you\nagree to the change in terms and the new terms will apply to all outstanding balances.\n33. DELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement without losing them.\n34. GOVERNING LAW: You understand and agree that this Agreement is made in California and shall be governed by the laws of the State of California to the extent that California\nlaw is not inconsistent with controlling federal law. You also understand and agree that California\xe2\x80\x99s choice of law rules shall not be applied if they would result in the application\nof non-California law.\n35. INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled \xe2\x80\x9cVisa Platinum and Platinum Rewards Agreement and Table \xe2\x80\x93 Federal Truth-in-Lending Disclosure\nStatement\xe2\x80\x9d or \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-in-Lending Act\xe2\x80\x9d which is delivered together with this form is an integrated part of the Agreement and Disclosure Statement.\n36. MEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain a member in good standing with us to be eligible for continuing Account and/or Card\nprivileges including future purchases, balance transfers and advances. You understand and agree that we may suspend the Account and/or Card privileges during any period\nin which you do not maintain your membership with us.\nADDITIONAL TERMS APPLICABLE TO VISA CHECKS:\nCHECK USES: You can use the Visa Checks (\xe2\x80\x9cChecks\xe2\x80\x9d or \xe2\x80\x9cCheck\xe2\x80\x9d) to purchase goods and services or to obtain cash up to the amount of your Credit Limit. Use of the Checks is\na Cash Advance on your Visa Account. Visa Checks are not considered a credit card purchase and therefore cannot be disputed once this item has been paid.\nLIMITATIONS: We are not required to honor a Check that will cause you to exceed your Credit Limit. We will not pay a Check if at the time the Check is presented, you are in default\nor we have suspended, terminated or canceled the Account. Each Check must be in the form we have issued to you. Checks may be used only by the person(s) whose name(s)\nis/are printed on the Check. You are responsible for all authorized use of the Checks. You may not use the Checks to pay any amount that you owe us pursuant to this Agreement.\nPERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Checks posted to the Account during the billing cycle. Checks paid by us will not be returned\nto you with your periodic statement.\nRETURNED CHECK FEE: If your check cannot be paid, we may charge a fee, per returned check, which will be billed to the Account in accordance with our Rate and Fee Schedule\nSTOP PAYMENT: Provided such request is timely, so that we shall have a reasonable opportunity to act upon it under our rules, you may order stop payment on a Check drawn on\nthe Account, other than one that has been guaranteed. In the event of an oral stop payment order, the order shall be valid for only fourteen (14) days thereafter unless confirmed in\nwriting. Written stop payment orders will remain in effect only six (6) months unless renewed in writing. You have the burden of establishing the fact and amount of loss resulting\nfrom payment contrary to a binding stop payment order. We will charge a stop payment fee in accordance with our Rate and Fee Schedule.\nSURRENDER OF VISA CHECKS: The Checks are our property. We reserve the right to revoke them at any time. You agree to return them at our request.\nCOPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms.\nNOTICE: See the statement below for important information regarding your right to dispute billing errors.\nYOUR BILLING RIGHTS: Keep this Notice for future use.\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, you must write to us at:\nPacific Service Credit Union\nP.O. Box 8191\nWalnut Creek, CA 94596-8191\nYou may also contact us at (888) 858-6878 or visit our website at www.pacificservice.org.\nIn your letter, you must 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 I think there is an error on your bill, you must describe what you believe is 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 automatic payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing or electronically at service@pacificservice.org. You may call us, but if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\xe2\x80\xa2 Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n\xe2\x80\xa2 Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\n\x0cWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date the payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 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. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00.\n(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card account do not\nqualify.\n3. You must not have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, you must contact us in writing or electronically at:\nPacific Service CU\nP.O. Box 8191\nWalnut creek, CA 94596-8191\nservice@pacificservice.org\nWhile we investigate, the same rules apply 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\nan amount and you do not pay, we may report you as delinquent.\nAll Rights Reserved. Revised 4/19\n\nSCORECARD REWARDS TERMS AND CONDITIONS\n1.\n\nScoreCard\xc2\xae Rewards Bonus Point Program (\xe2\x80\x9cProgram\xe2\x80\x9d) is available to Pacific Service Credit Union (\xe2\x80\x9cPacific Service\xe2\x80\x9d or \xe2\x80\x9cPSCU\xe2\x80\x9d) Visa Platinum Rewards Credit\nCardholders only.\n\n2.\n\nPoints are tracked and redeemable on a first-in, first-out basis.\n\n3.\n\nEligibility in the Program is restricted to individuals who have a billing address within the 50 United States or the District of Columbia. The Program is not available on\nPSCU\xe2\x80\x99s corporate card, purchasing card or business card accounts.\n\n4.\n\nThe Program is a service provided through Financial Institution Benefit Association (\xe2\x80\x9cFIBA\xe2\x80\x9d), Fidelity National Card Services, Inc. (\xe2\x80\x9cFIS\xe2\x80\x9d or \xe2\x80\x9cProgram Administrator\xe2\x80\x9d),\nand Pacific Service Credit Union (\xe2\x80\x9csponsor\xe2\x80\x9d). ScoreCard\xc2\xae is a registered trademark of Fidelity National Card Services, Inc.\n\n5.\n\nCardholders will earn (\xe2\x80\x9cPoints\xe2\x80\x9d or \xe2\x80\x9cBonus Points\xe2\x80\x9d) for Platinum Reward Credit Card Purchases on all eligible goods and services. The Cardholder\xe2\x80\x99s Points will be\naccumulated at the rate of one Point per dollar charged on the Cardholder\xe2\x80\x99s Platinum Reward Credit Card and will be reported on the Cardholder\xe2\x80\x99s Credit Card\nStatements as available. Information will include the number of Points earned, Points adjusted, Redeemed Points, or Bonus Points earned (if applicable), and Available\nPoints, subject to verification and adjustment as provided in these Rules. In the unlikely event a Cardholder attempts to redeem unearned Points (i.e. pending\nadjustment), the Account may be charged for the actual cash difference between the cost of the Award issued and the value of the actual Points available.\n\n6.\n\nAccrual of Points may begin on the date the Pacific Service Visa Platinum Rewards Credit Card is received by the Cardholder.\n\n7.\n\nPoint earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Card during each\nperiodic billing cycle (\xe2\x80\x9cBilling Cycle\xe2\x80\x9d) by the Cardholder(s) (\xe2\x80\x9cNet Purchase(s)\xe2\x80\x9d). Net Purchases are rounded to the nearest dollar and are subject to verification. No\nPoints are earned for FINANCE CHARGES, fees, Cash Advances, Balance Transfers, convenience checks, foreign transaction currency conversion charges or\ninsurance charges posted to the Account. If a transaction is subject to a billing dispute, the Points value of the transaction will be deducted from the Points total during\nthe dispute period. If the disputed transaction is reinstated, points will be reinstated. Pacific Service reserves the right to award promotional bonus Points to selected\nCardholders.\n\n8.\n\nEach Cardholder may use Points for U.S. and worldwide air travel rewards or a selection of merchandise rewards (collectively, \xe2\x80\x9cAwards\xe2\x80\x9d).\n\n9.\n\nPoints have no cash value and are not the property of the Cardholder. Points cannot be exchanged for credit, nor offset against the Cardholder\xe2\x80\x99s obligation to PSCU.\nPoints may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award, and cannot be bought, sold, earned from or\ntransferred to, any credit card or other accounts (including upon death or as part of a domestic relations matter). Points cannot be redeemed for awards in any rewards\nprogram other than the ScoreCard\xc2\xae Program. Points may not be combined with any other loyalty/frequency Reward program, other discounts, special rates,\npromotions, or other reward programs offered by Pacific Service, or any entity, including airline frequent flier, hotel frequent guest or other travel-related or membership\nreward charge or credit card programs, whether in the U.S. or abroad.\n\n10. Points must be redeemed by the Cardholder and may be used for another person only according to the Program rules. Points may be used to order the\nmerchandise/travel awards available in the Program at the time of redemption. Awards from any level may be selected, provided the Cardholder\xe2\x80\x99s Account has\nenough Points available and the Account meets the eligibility requirements (see #6 above). Point values assigned to Awards are subject to change from time to time\nwithout notice. Awards may be substituted at any time. If an Award is discontinued, it will be replaced with an Award of equal or greater value or, if no suitable substitute\nis available, the Cardholder will be required to make another selection.\n\n\x0c11. The Pacific Service Visa Platinum Credit Card Rewards Account must be open and in good standing (i.e. not canceled or terminated by either party, delinquent,\nblocked or otherwise not available to use for charges) at the time an Award order is received for processing. Pacific Service reserves the right to suspend a Cardholder\xe2\x80\x99s\nparticipation in the Program until the Account is in good standing.\n12. Per current Program order information, Merchandise Awards usually will be delivered by a commercial delivery service or the U.S. Postal Service within 4-6 weeks\nof processing a Cardholder\xe2\x80\x99s order. Orders cannot be processed if the Cardholder does not sign the order form and/or has not provided complete information\nincluding the card number, last four digits of the Cardholder\xe2\x80\x99s Social Security number, day time phone number and street address (No P.O. or A.P.O. Boxes).\nShipments cannot be made outside the United States and eligible territories. Please contact ScoreCard\xc2\xae Award Headquarters customer service for any questions\nregarding Merchandise Award orders at (800) 854-0790.\n13. Returns of a damaged or defective Merchandise Award may be sent to the shipper within thirty (30) days of receipt for replacement, provided that the defect, deficiency\nor shortage has been documented on the delivery receipt before signing to accept delivery from the carrier. All parts, instructions, warranty cards and original packaging\nmaterials must be returned with the product.\n14. Applicable manufacturers\xe2\x80\x99 warranties and instructions will be included with the Award. Warranty claims must be directed to the manufacturer. Pacific Service Credit\nUnion, FIBA and the Administrator, FIS, shall not be held liable for any defects, accident or injuries associated with Awards or use of Awards while participating in the\nProgram. Suppliers of goods and services are independent contractors and are not agents or employees of PSCU or any of its affiliates. PSCU neither offers or\nendorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to the Cardholder.\nA. ScoreCard\xc2\xae Travel and Merchandise Awards are managed by the Program Administrator, a fully licensed redemption reservation center.\nB. The Cardholder agrees to release PSCU, the Administrator, and their affiliates from all liability for any injury, accident, loss, claim, expense or damages\nsustained by the Cardholder, and in the case of a Travel Award, anyone traveling with or without the Cardholder, in connection with the receipt, ownership, or\nuse of any Reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual\nvalue of the Reward. Pacific Service and the Administrator are not responsible for typographical errors and/or omissions in any Program document. PSCU and\nthe ScoreCard\xc2\xae Program Administrator reserve the right to correct such errors at any time even if it affects a pending Award redemption.\nC. The Cardholder is responsible for determining any applicable federal, state or local tax liability arising from participation in the Program. Consult a tax advisor\nconcerning tax consequences.\nD. Pacific Service and the Administrator shall have no liability for disagreements between Cardholders regarding Points. Discrepancies about Points earnings are\nnot treated as Credit Card billing disputes. PSCU\xe2\x80\x99s decisions regarding Points discrepancies shall be final. Redeemed Points are deducted from the\nCardholder\xe2\x80\x99s Points balance as of the request dated of a Reward.\n15. The Program may be modified, suspended or canceled and the redemption value of already accumulated Points may be changed at any time without notice and\nwithout restriction or penalty. Changes to the Program may include, but are not limited to, modifications which affect Point accrual and expiration dates. Award orders\nmust be placed on or before the end of the Program Period. Contact Pacific Service for details on any current promotions affecting Point accrual or redemption options.\nThe Program is void where prohibited or restricted by law.\n16. Pacific Service reserves the right to change the Terms and Conditions of the Program. At PSCU\xe2\x80\x99s option, the Program and the redemption of Points may be restricted,\nlimited, or cancelled at any time without prior notice.\n17. If a Cardholder voluntarily closes the PSCU Platinum Rewards Credit Card or PSCU closes the Card, all unused Points are immediately and irrevocably forfeited.\nPSCU reserves the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, and/or close the Card if, in our sole judgment, the\nCardholder or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse.\n18. The Cardholder agrees to hold Pacific Service, FIBA, FIS, any Association and any vendors associated with the Program totally harmless should failure by any party\nto meet its contractual and other obligations with Program affiliates, result in the Program being interrupted or terminated prior to the Cardholder having the\nopportunity to redeem the Cardholder\xe2\x80\x99s Points or receive the Cardholder\xe2\x80\x99s Awards. The Cardholder also agrees to hold FIBA, FIS, Pacific Service and Association\nharmless if an Award vendor or provider files for bankruptcy, or otherwise goes out of business, after the Cardholder redeems Points for an Award from the vendor\nor provider but before the Cardholder receives or is able to use the Award.\n19. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other certificates are not exchangeable, refundable, transferable or redeemable\nfor cash. All travel itineraries will be provided via electronic transmission unless the travel vendor requires otherwise. Travel certificates and documents will be delivered\nvia first class U.S. Mail. In the event of loss, contact the ScoreCard Travel Center for assistance at (800) 842-3006. A Cardholder\xe2\x80\x99s travel Award will usually be\ndelivered within 4-6 weeks of processing the order. Travel certificates, tickets and documents may be requested to be delivered by overnight carrier and the Cardholder\nagrees to pay the associated additional delivery fees by credit card. The Cardholder is responsible for federally imposed airline security fees and any surcharges or\nadditional fees imposed by the airlines or aviation authority, which must be paid by credit card at the time of booking.\n20. Additional local rules and Program opportunities may be or become applicable to Cardholders participation in the Program without prior notification at any time.\n21. The Program Administrator shall resolve all questions of what constitutes an eligible charge. All Program Rule determinations by the Program Administrator are final.\nCardholder\xe2\x80\x99s use of their Account following receipt of these Rules will indicate their agreement to these Rules.\nA complete and definitive list of general ScoreCard\xc2\xae Program Rules and current award redemption terms and conditions is available at the Scorecardrewards.com website.\nPacific Service CU specific Program Rules are included in these Terms and Conditions or online at www.pacificservice.org. Information is subject to change.\nAll Rights Reserved. Revised 4/19\n\n\x0c'