b'2141 Downyflake Lane\nAllentown, PA 18103\n610.797.7440\n800.446.5598\nPeopleFirstCU.org\n\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE\nOF ANY ACCOUNT ACCESS DEVICE. PLEASE READ THIS AGREEMENT CAREFULLY AND NOTIFY US\nAT ONCE IF ANY PARTS ARE UNCLEAR.\n\nMember Number\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nVISA Platinum _______% Introductory APR for 6 months.\nAfter that, Your APR will be\non the Prime Rate.\n\n_______%. This APR will vary with the market based\n\nVISA Platinum Rewards _______% Introductory APR for 6 months.\nAfter that, Your APR will be\non the Prime Rate.\n\n_______%. This APR will vary with the market based\n\nVISA Platinum Secured _______% Introductory APR for 6 months.\nAfter that, Your APR will be\non the Prime Rate.\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n_______%. This APR will vary with the market based\n\nVISA Platinum ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Rewards ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Secured ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\n\nAnnual Percentage Rate (APR)\nFor Cash Advance\n\nVISA Platinum ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Rewards ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Secured ________% Introductory APR for 6 months.\nAfter that, Your APR will be ________%. This APR will vary with the market based on the\nPrime Rate.\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge You\ninterest on purchases if You pay Your entire balance owed each month by Your payment\'s\ndue date. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nSEE TOP OF PAGE 2 for more important information regarding Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nPage 1 of 5\n\nOTBS 016CC Intro FRB_Web PEOP (4/19)\n\n\x0cFees\nAnnual Fee\n\nFor VISA Platinum Secured, $20.00\n\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction Fee\n\n1.00% of each foreign currency transaction in U.S. dollars.\n0.80% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nUp to $35.00\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nSEE PAGE 1 for important information about Your Account\n\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean PEOPLE FIRST FEDERAL CREDIT UNION. The words "You" and "Your" mean\neach person who accepts this Agreement or uses the VISA Platinum, VISA Platinum Rewards or VISA Platinum Secured Credit Cards. "Account" means the VISA Platinum,\nVISA Platinum Rewards or VISA Platinum Secured Credit Card Account established for You. The words "Credit Card" or "Card" mean any VISA Platinum, VISA Platinum\nRewards or VISA Platinum Secured Credit Cards issued to You by Us and any duplicates and renewals. "Letter Checks" mean the special Account access devices that We\nmay provide for Your use from time to time. If this is a joint account, read singular pronouns in the plural.\n\nANNUAL\nPERCENTAGE\nRATE\n\nIndex\n\nMargin\n\nMonthly\nPeriodic\nRate\n\nVISA Platinum\n\n____________\n\n____________\n\n_______________%\n\n_______________%\n\nVISA Platinum Rewards\n\n____________\n\n____________\n\n_______________%\n\n_______________%\n\nVISA Platinum Secured\n\n____________\n\n____________\n\n_______________%\n\n_______________%\n\nCredit\nCard Type\n\nVariable Rate\n\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nPage 2 of 5\n\nOTBS 016CC Intro FRB_Web PEOP (4/19)\n\n\x0cPROMISE TO PAY. Your Account may be accessible through a variety of means\nwhich could include advance request forms, vouchers, checks, charge slips, Credit\nCards, Letter Checks and the like. Regardless of the access means, You promise to\npay Us all amounts charged to Your Account by You or by any user who has access\nto Your Account, with actual, apparent or implied authority for use of Your Account,\nincluding Finance Charges and other fees or charges described herein.\nJOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for\nthe repayment of amounts owed. You understand that any Card which is requested\nand approved, will be mailed only to the primary Cardholder at the address that We\nhave on file for You . We may refuse to follow any instructions which run counter to\nthis provision.\nOWNERSHIP. All access devices remain Our property and may be cancelled by Us\nat any time without notice. You agree to surrender any such access device and to\ndiscontinue its use immediately upon Our request.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances from Us or another financial\ninstitution. If You are issued a cash advance draft, it will be imprinted with Your Card\nand You will receive a copy of the draft. You agree not to use Your Card for\ntransactions involving Internet gambling and/or wagering of any type and/or for\ntransactions prohibited by state and/or federal law.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a\nPersonal Identification Number (PIN) for use with Your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use Your PIN and Your Card to\naccess Your Account and all sums advanced will be added to Your Account balance.\nIn the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and\nconditions of Your Electronic Fund Transfer Agreement may affect Your rights.\nLINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be notified\nof Your specific Credit Limit for transactions made under Your Account. Unless You\nare in default, the Credit Limit established for You will be self-replenishing as You\nmake payments on Your Account. You will keep Your unpaid balance within the Credit\nLimit set by us, and You will pay any amount over Your Credit Limit on Our demand\nwhether or not We authorize the advance which caused You to exceed Your Credit\nLimit. Even if Your unpaid balance is less than Your Credit Limit, You will have no\ncredit available during any time that any aspect of Your Account is in default.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances\nsubject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). Separate average daily\nbalances are calculated for purchases, balance transfers and cash advances\n(including Letter Checks).\nTo get the average daily balance for purchases, We take the beginning balance for\npurchases each day, add any new purchases, debit adjustments or other charges\nand subtract any payments, credits and unpaid Finance Charges. This gives Us the\ndaily balance for purchases. Then, We add up all the daily balances for purchases\nduring the billing cycle and divide them by the number of days in the billing cycle.\nThis gives Us the average daily transactions balances for purchases. To get the\naverage daily balance for balance transfers, We take the beginning balance for\nbalance transfers each day, add any new balance transfers, debit adjustments or\nother charges and subtract any payments, credits and unpaid Finance Charges.\nThis gives Us the daily balance for balance transfers. Then, We add up all the daily\nbalances for balance transfers during the billing cycle and divide them by the\nnumber of days in the billing cycle. This gives Us the average daily transactions\nbalances for balance transfers. To get the average daily balance for cash advances\n(including Letter Checks), We take the beginning balance for cash advances and\nLetter Checks each day, add any new cash advances and Letter Checks, debit\nadjustments or other charges and subtract any payments, credits and unpaid\nFinance Charges. This gives Us the daily balance for cash advances (including\nLetter Checks). Then, We add up all the daily balances for cash advances (including\nLetter Checks) during the billing cycle and divide them by the number of days in the\nbilling cycle. This gives Us the average daily transactions balances for cash\nadvances (including Letter Checks). The Finance Charge for a billing cycle is\ncomputed by multiplying each of the average daily balances subject to a Finance\nCharge by the applicable Monthly Periodic Rate. The sum of these separate\nFinance Charge calculations is the Finance Charge You owe for that billing cycle.\nYour payment due date is at least 27 days after the close of each billing cycle. You can\navoid Finance Charges on purchases each month by paying the full amount of the entire\nbalance owed by the payment due date reflected in Your periodic statement.\nOtherwise, the new balance of purchases, and subsequent purchases from the date\nthey are posted to Your Account, will be subject to a Finance Charge. Balance\nTransfers and cash advances (including Letter Checks) are always subject to a\nFinance Charge from the later of the date they are posted to Your Account or from\nthe first day of the billing cycle in which the cash advance is posted to Your Account.\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nTransactions will accrue finance charges at an introductory Monthly Periodic Rate of\n_______________% (corresponding to an ANNUAL PERCENTAGE RATE of\n_______________%) through the first 6 billing cycles following the date that Your\nAccount is established (i.e. 6 months). Upon the expiration of the introductory rate\nperiod, the entire balance of transactions existing at that time and in the future will be\nsubject to the non-introductory Monthly Periodic Rate and its corresponding Annual\nPercentage Rate described elsewhere in this Agreement.\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on the\nhighest Prime Rate as published in the Money Rates section of The Wall Street\nJournal in effect on the last business day of each calendar month ("Index") plus Our\nMargin. The Index plus the Margin equals the Interest Rate. Changes in the Index will\ncause changes in the Interest Rate on the first day of the billing cycle that immediately\nfollows any such change in the Index. Increases or decreases in the Interest Rate will\ncause like increases or decreases in the Finance Charge and will affect the number\nof Your regularly scheduled payments. Your Interest Rate will never be greater than\n18.00% and will apply to Your remaining principal balance.\nMINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly\nPayments, You understand that You have the right to repay Your Account or make\nlarger payments at any time without penalty. You will only be charged periodic Finance\nCharges to the date You repay Your entire Account balance. Any partial payment or\nprepayment of Your Account will not delay Your next scheduled payment. All\npayments to Us must be in lawful money of the United States. Your Periodic Statement\nwill include instructions on where to send Your Minimum Monthly Payment. Payments\nsent by You to an address other than that which appears on Your statement may be\nsubject to a delay in crediting to Your Account for up to five days after We receive\nYour payment.\nPayments will be applied in the following order: (a) any Finance Charges due for Your\nbalance for balance transfers; (b) any Finance Charges due for Your balance for cash\nadvances; (c) any Finance Charges due for Your balance for purchases; (d) any Fees\nand Charges owing; (e) Your balance for balance transfers; (f) Your balance for cash\nadvances; and then to (g) Your balance for purchases. Any amounts received in\nexcess of Your required Minimum Monthly Payment will be applied as required by\napplicable law.\nAny unpaid portion of any Finance Charges and Late Charges will be paid by\nsubsequent payments and will not be added to the principal. You understand that any\npayment that delays the repayment of Your unpaid balance will increase Your Finance\nCharge and any payment that accelerates the reduction of Your unpaid balance will\ndecrease Your Finance Charges.\nMinimum Monthly Payments will be an amount equal to 2.00% of Your unpaid Account\nbalance; subject to the lesser of $10.00 or Your balance. In addition to the Minimum\nMonthly Payment, You will also be required to pay any prior payments due which\nremain unpaid and any amounts which exceed Your Credit Limit.\nCONSENSUAL LIEN. As permitted by law, You grant and consent to a lien\non Your shares or other deposit accounts with Us (other than those\ndeposits established under a governmental-approved tax deferral plan such\nas an IRA or Keogh account) and any dividends due or to become due to\nYou from Us to the extent You owe on any unpaid Credit Card balance.\nOTHER SECURITY. Collateral (other than household goods or any dwelling)\ngiven as security under this Agreement or for any other loan You may have with\nUs will secure all amounts You owe Us now and in the future if that status is\nreflected in the "Truth-In-Lending Disclosure" in any particular Agreement\nevidencing such debt.\nPERIODIC STATEMENT. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each billing cycle in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted. Each statement is deemed to be a\ncorrect statement of account unless You establish a billing error pursuant to the\nFederal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR LETTER CHECKS. We are under no\nobligation to honor Your Letter Checks if: (1) by paying a Letter Check, You would\nexceed Your Credit Limit; (2) Your Cards or Letter Checks have been reported lost or\nstolen; (3) Your Account has been cancelled or has expired; or (4) a Letter Check is\nused for payment on this or any other loan Account with Us. If a postdated Letter\nCheck is paid and, as a result, any other Letter Check is returned unpaid, We are not\nresponsible for any resulting loss or liability.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic\nterminal or financial institution at which transactions were made, but sales, cash\nadvances, credit or other slips will not be returned with the statement. You will retain\n\nPage 3 of 5\n\nOTBS 016CC Intro FRB_Web PEOP (4/19)\n\n\x0cthe copy of such slips furnished at the time of the transaction in order to verify Your\nmonthly statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, the merchant will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or more,\nrefund it on Your written request or automatically deposit it to Your Share Account\nafter six months.\nLATE CHARGE. If Your payment is not received by the payment due date, You will be\ncharged the lesser of: (a) the amount of the minimum payment due; or (b) $35.00.\nANNUAL MEMBERSHIP FEE (VISA PLATINUM SECURED). You will be charged\nan annual membership fee in an amount equal to $20.00 on the date Your VISA\nPlatinum Secured Credit Card is established, and subsequently, on the anniversary\ndate each year thereafter. The fee is required each year in order to continue credit\navailability, whether or not You have used Your Card throughout the year.\nOTHER FEES AND CHARGES. You agree to pay Us the following fees and\ncharges associated with the use of Your Card which will be charged to Your Account\nas purchases: (a) the lesser of $35.00 or the required minimum payment amount\nfor any check (or other negotiable instrument) used for payment on Your Account\nthat is returned unpaid; (b) $35.00 for any Letter Check on which You request Us\nto stop payment; and (c) the lesser of $35.00 or the face amount of the related\nLetter Check that We return unpaid as a result of Your Account being in default.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us;\nor (b) You should die, become involved in any insolvency, receivership or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You\nowe money on Your Account; or (d) A judgment or tax lien should be filed against You\nor any attachment or garnishment should be issued against any of Your property or\nrights, specifically including anyone starting an action or proceeding to seize any of\nYour funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability\nto repay Your indebtedness hereunder is or soon will be impaired, time being of the\nvery essence.\nIf You are in default, We may, without notice or demand, and to extent permitted by\nlaw, cancel Your rights under this Agreement, declare the entire unpaid balance\nimmediately due and payable and require the return of all Cards and other Account\nAccess devices.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for\nall of Our costs and expenses, including reasonable attorneys\' fees incurred in the\ncourse of collecting any amounts owed under this Agreement or for the recovery of\nany collateral.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit under\nthis Agreement. However, You may purchase any credit insurance available through Us\nand have the premiums added to the outstanding balance of Your Account. If You elect\nto do so, You will be given the necessary disclosures and documents separately. Any\ncredit insurance premiums will be charged to Your Account as a purchase.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments, or any\nother payments, even if they are marked "paid in full," without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is determined\nto be unenforceable or invalid, all other provisions remain in full force and effect.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your\nAccount. You will not be liable for the unauthorized use that occurs after You notify\nUs orally and in writing at the address or telephone number shown in this\nAgreement, of the loss, theft, or possible unauthorized use. In any case, Your\nliability will not exceed $50.00.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or\notherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nREFUSAL TO HONOR CARDS OR LETTER CHECKS. We are not liable for the refusal\nor inability of merchants, financial institutions and others to accept the Cards or Letter\nChecks, or electronic terminals to honor the Cards or complete a Card withdrawal, or for\ntheir retention of the Cards or Letter Checks.\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nLOST OR STOLEN CARDS, ACCOUNT NUMBERS AND/OR LETTER CHECKS.\nTo report a lost or stolen Card, Letter Check or Account Number, You will immediately\ncall (800) 325-3678. You may also write to the Credit Card Security Department, P.O.\nBox 24747, Tampa, FL 33623-4747.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b)\nthe government-mandated rate in effect for the applicable central processing\ndate. For transactions that are initiated in a foreign currency, You will be charged\n1.00% of the final settlement amount. For transactions occurring in foreign\ncountries and initiated in U.S. Dollars, You will be charged 0.80% of the final\nsettlement amount.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using the Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving Your Account.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the Application and Your Credit Card, by using the Card, by\nusing Your Account or by authorizing another to use Your Account, You agree to\naccept its terms.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to\nthis Agreement is an integrated part of this Agreement And Disclosure.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update personal information or other financial information related to You, at\nOur request. You also agree that We may, from time to time, as We deem\nnecessary, make inquiries pertaining to Your employment, credit standing and\nfinancial responsibility in accordance with applicable laws and regulations. You\nfurther agree that We may give information about the status and payment history of\nYour Account to consumer credit reporting agencies, a prospective employer or\ninsurer, or a state or federal licensing agency having any apparent legitimate\nbusiness need for such information.\nTERMINATION. Subject to applicable law, either You or We may cancel Your Account\nat any time whether or not You are in default. You will, in any case, remain liable to\npay any unpaid balances according to the terms of this Agreement.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nCommonwealth of Pennsylvania except to the extent that such laws are inconsistent\nwith controlling federal law.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit 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 Our address shown in\nthis Agreement. In Your letter, give Us the following information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled,\nif You want to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\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\nletter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or explain\nto You why We believe the bill is correct.\n\nPage 4 of 5\n\nOTBS 016CC Intro FRB_Web PEOP (4/19)\n\n\x0cWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nYour Rights If You Are Dissatisfied\nWith Your Credit Card Purchases\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible\nfor the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom We reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou question even if Your bill is correct.\n\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on an\nadvertisement We mailed to You, or if We own the company that sold You the\ngoods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses Your Credit Card account\ndo not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 5 of 5\n\nOTBS 016CC Intro FRB_Web PEOP (4/19)\n\n\x0c2141 Downyflake Lane\nAllentown, PA 18103\n610.797.7440\n800.446.5598\nPeopleFirstCU.org\n\nPRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA\nPLATINUM, VISA PLATINUM REWARDS AND VISA SECURED CREDIT CARD AGREEMENT AND\nDISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT\nONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nVISA Platinum 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40% - 18.00%, based on Your creditworthiness\nat the time You establish Your Account. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Rewards 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 11.40% - 14.40%, based on Your creditworthiness\nat the time You establish Your Account. This APR will vary with the market based on the\nPrime Rate.\nVISA Platinum Secured 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40%\nThis APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\nVISA Platinum 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40% - 18.00%, based on Your creditworthiness at the time\nYou establish Your Account. This APR will vary with the market based on the Prime Rate.\nVISA Platinum Rewards 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 11.40% - 14.40%, based on Your creditworthiness at the time\nYou establish Your Account. This APR will vary with the market based on the Prime Rate.\nVISA Platinum Secured 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40%\nThis APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nVISA Platinum 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40% - 18.00%, based on Your creditworthiness at the time\nYou establish Your Account. This APR will vary with the market based on the Prime Rate.\nVISA Platinum Rewards 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 11.40% - 14.40%, based on Your creditworthiness at the time\nYou establish Your Account. This APR will vary with the market based on the Prime Rate.\nVISA Platinum Secured 2.90% Introductory APR for 6 months.\nAfter that, Your APR will be 10.40%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge You\ninterest on purchases if You pay Your entire balance owed each month by Your payment\'s due\ndate. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nSEE TOP OF PAGE 2 for more important information regarding Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016ACC Intro FRB_Web PEOP (4/19)\nRev. (11/19)\n\n\x0cFees\nFor VISA Platinum Secured, $20.00\n\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction Fee\n\n1.00% of each foreign currency transaction in U.S. dollars.\n0.80% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nUp to $35.00\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nSEE PAGE 1 for more important information regarding Your Account\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash advances (including\nLetter Checks).\nTo get the average daily balance for purchases, We take the beginning balance for purchases each day, add any new purchases, debit adjustments or other charges and\nsubtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily balances for purchases during the\nbilling cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To get the average daily balance\nfor balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any\npayments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers during the\nbilling cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for balance transfers. To get the average daily\nbalance for cash advances (including Letter Checks), We take the beginning balance for cash advances and Letter Checks each day, add any new cash advances and Letter\nChecks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances (including\nLetter Checks). Then, We add up all the daily balances for cash advances (including Letter Checks) during the billing cycle and divide them by the number of days in the\nbilling cycle. This gives Us the average daily transactions balances for cash advances (including Letter Checks). The Finance Charge for a billing cycle is computed by\nmultiplying each of the average daily balances subject to a Finance Charge by the applicable Monthly Periodic Rate. The sum of these separate Finance Charge calculations\nis the Finance Charge You owe for that billing cycle.\nYour payment due date is at least 27 days after the close of each billing cycle. You can avoid Finance Charges on purchases each month by paying the full amount of the\nentire balance owed by the payment due date reflected in Your periodic statement.\nOtherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Transfers\nand cash advances (including Letter Checks) are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the\nbilling cycle in which the cash advance is posted to Your Account.\nTransactions will accrue finance charges at an introductory Monthly Periodic Rate of 0.2417% (corresponding to an ANNUAL PERCENTAGE RATE of 2.90%) through\nthe first 6 billing cycles following the date that Your Account is established (i.e. 6 months). Upon the expiration of the in troductory rate period, the entire balance of\ntransactions existing at that time and in the future will be subject to the non-introductory Monthly Periodic Rate and its corresponding Annual Percentage Rate described\nelsewhere in this Agreement.\nThe Monthly Periodic Rate that will apply to Your VISA Platinum Account is 0.8666% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 10.40% - 18.00%), based\non Your creditworthiness at the time You establish Your Account.\nThe Monthly Periodic Rate that will apply to Your VISA Platinum Rewards Account is 0.9500% - 1.2000% (corresponding ANNUAL PERCENTAGE RATE of 11.40% 14.40%), based on Your creditworthiness at the time You establish Your Account.\nThe Monthly Periodic Rate that will apply to Your VISA Platinum Secured Account is 0.8666% (corresponding ANNUAL PERCENTAGE RATE of 10.40%).\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal\nin effect on the last business day of each calendar month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause\nchanges in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause\nlike increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and\nwill apply to Your remaining principal balance.\nThe Margin that will apply to Your VISA Platinum Account is 5.65% - 14.65%, based on Your creditworthiness at the time You establish Your Account.\nThe Margin that will apply to Your VISA Platinum Rewards Account is 6.65% - 9.65%, based on Your creditworthiness at the time You establish Your Account.\nThe Margin that will apply to Your VISA Platinum Secured Account is 5.65%.\n\nCopyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016ACC Intro FRB_Web PEOP (4/19)\nRev. (11/19)\n\n\x0c'


b"REVOLVING CREDIT AGREEMENT\n(NY Residents: RETAIL INSTALMENT CREDIT AGREEMENT)\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR\nOPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record\ninformation that identifies each person who opens an account. What this means\nfor you: When you open an account, we will ask for your name, address, date of\nbirth, and other information that will allow us to identify you. We may also ask to\nsee your driver\xe2\x80\x99s license or other identifying documents.\n\nSUMMARY OF CREDIT TERMS\nInterest Rates and Interest Charge\nAnnual Percentage Rate\n(APR) for Purchases\n\n27.74%\n\nHow to Avoid Paying\nInterest\n\nYour due date is at least 21 days after the close\nof each billing cycle. We will not charge you any\ninterest if you pay your entire balance by the due\ndate each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about the factors to consider when\napplying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the\nmarket based on the Prime Rate.\n\nFees\n\nPenalty Fees\n\xe2\x80\xa2\nLate Payment\n\xe2\x80\xa2\nReturned Payment\n\n$15.00\n$20.00\n\nBilling Rights: Information on your rights to dispute transactions and how to\nexercise those rights is provided in the Agreement below.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cDaily Balance\xe2\x80\x9d. The \xe2\x80\x9cDaily Balance\xe2\x80\x9d is determined by taking the opening balance of the\naccount for that specific day and (1) adding any new purchase(s) made that day,\nand any fees incurred on that day and (2) subtracting any payments or credits\napplied that day.\nMargin, Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and Daily Periodic Rate (\xe2\x80\x9cDPR\xe2\x80\x9d)\nRate\n\nMargin\n\nAPR\n\nCurrent DPR\n\nPurchase Rate\n\n23.74%\n\n27.74%\n\n0.076%\n\nVariable Rate: Your Periodic Rate and corresponding APR will change if the\nPrime Rate changes. Your APR and corresponding DPR will vary with the market\nbased on the Prime Rate. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d is the highest bank prime loan rate\npublished by The Wall Street Journal in its Money Rates Section on the 25th day\n(or next business day if the 25th is not a business day) of the calendar month\npreceding the first day of the billing period. To calculate the Annual Percentage\nRate, we take the Prime Rate and add the Margin stated above. If the Periodic\nRate and corresponding Annual Percentage Rate increase, your interest charges\nwill increase and your minimum payment may be greater.\n1. Definitions: In this Revolving Credit Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), the word \xe2\x80\x9cAccount\xe2\x80\x9d\nrefers to the account established by Brand Banking Company, a Georgia state-chartered\nbank (\xe2\x80\x9cBank\xe2\x80\x9d) that is the subject of this Agreement. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to\neach individual who signs the Application for the Account and who, either on his own or her\nown or with another individual is authorized to use the Account. The words \xe2\x80\x9cwe\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and\n\xe2\x80\x9cour\xe2\x80\x9d refer to Bank, and any person to whom an outstanding balance under this Agreement\nis transferred, assigned or pledged.\n2. Promise to Pay: In return for extending credit to you on this Account from time to time,\nyou agree to pay for all purchases you charge on this Account, and all other charges\nmentioned in this Agreement, including the Summary of Credit Terms above, according to\nthe terms of this Agreement. When you sign the Application for this Account, you will be\nagreeing to everything written here. Therefore, before you sign the Application, you should\nread this entire Agreement, which includes the disclosures required by applicable federal or\nstate law. The information you provide on the Application that identifies you is incorporated\nin this Agreement by reference. This Agreement will not be effective until we approve your\nApplication, and then, after that, only if you or someone authorized by you signs an Invoice\nor otherwise charges a purchase to this Account (in NY, the first date that you sign a sales\nslip or memorandum).\n3. Using Your Account: You may charge purchases to your Account (up to your credit\nlimit) for up to 90 days from the date your account is approved. Thereafter, you must apply\nfor additional credit. You may make payments on your Account at any time without penalty.\n4. Grace Period/Cost of Credit:\nA. Regular Terms: Interest will be imposed at the Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) shown\n\t\t on the Summary of Credit Terms above. The APR will vary with the market based on\n\t\t the Prime Rate. If you do not have a balance at the beginning of a cycle, interest is \t\t\n\t\t imposed at the beginning of the next cycle date following your purchase. If you have a\n\t\t balance at the beginning of a cycle, interest is imposed from the purchase date.\n\t\t However, you will avoid paying Interest if we receive your total outstanding balance on or\n\t\t before the due date shown on the statement for that cycle or if your Previous Balance is\n\nzero or you have a credit balance.\nB. 180 Days Deferred Interest Period: You may pay the original amount of a purchase in\n\t\t full within 180 days from delivery deferred interest period and pay no Interest. Interest\n\t\t accrues during the deferred interest period but is waived if the entire purchase balance\n\t\t is paid in full within 180 days. However, you must make all scheduled minimum monthly\n\t\t payments due in full and on time. If any required minimum monthly payment is not \t\t\n\t\t received by the due date shown on the statement, Interest will be applied to the \t\t\n\t\t purchase under the Regular Terms of Section 4A.\nC. Method of Computing Finance Charge: We figure the Interest charge on your \t\t\n\t\t Account by applying the above stated Daily Periodic Rate to the \xe2\x80\x9cDaily Balance\xe2\x80\x9d of your\n\t\t Account. To get the \xe2\x80\x9cDaily Balance\xe2\x80\x9d we take the beginning balance of your Account \t\t\n\t\t each day, add any new purchases, and subtract all payments or credits. This gives us\n\t\t the \xe2\x80\x9cDaily Balance\xe2\x80\x9d.\n5. Minimum Monthly Payment: The Minimum Monthly Payment is the greater of $75, or\n5% of the total amount of each New Balance as of the current statement date, plus any\nnon-interest costs or charges that accrued during a billing cycle.\n6. Payment Allocation: Subject to applicable law, we will apply the required total minimum\npayment to the balances on your account using any method we select. You may not tell us\nhow to apply excess payments. Any additional payment in excess of the Minimum Payment\nwill be applied to principal balance. This additional payment will not reduce or eliminate\nyour next regularly scheduled payment. Any payment you make in excess of the required\ntotal minimum payment will be applied to the higher APR balances before the lower APR\nbalances. Applicable law may require or allow us to apply excess payments in a different\nway under certain circumstances.\n7. Timing of Payments: You must pay the minimum payment by the due date on your\nbilling statement by 6:00 p.m. ET for each billing cycle. Payments received after 6:00 p.m.\nmay be reflected as received on the next business day. You may at any time pay, in whole\nor in part, the total unpaid balance without any additional charge for prepayment.\n8. Default/Collection Costs: Your account will be considered in default if (i) you fail to pay\nany minimum monthly payment within 60 days of when due: (ii) you file bankruptcy or insolvency proceedings; (iii) you become subject to attachment or garnishment proceedings;\n(iv) you give us any false information or signature; (v) you die; or (vi) you fail to comply with\nany portion of this Agreement. Subject to any right you may have under state law to receive\nnotice of and to cure such default, if you default we may declare the entire unpaid balance\non the Account and we may bring suit against you to collect the amount you owe, in\naddition to the full amount owed, subject to applicable law, and our court costs as may be\nawarded by the court.\n9. Disputed Amounts: We can accept late, postdated or partial payments without losing\nany of our rights under this Agreement. (A postdated check is a check dated later than the\nday it was actually presented for payment.) We are under no obligation to hold a postdated\ncheck and we reserve the right to process every item presented as if dated the same date\nreceived by act on it. Except where such notice and opportunity is given, you may not hold\nus liable for full, \xe2\x80\x9cwithout recourse\xe2\x80\x9d, or similar language. If you send such a payment, we\nmay accept it without losing any of our rights under this Agreement. All communications\nconcerning disputed amounts, including any check or other payment instrument in\nany amount less than the full amount due that you send to us marked \xe2\x80\x9cpaid in full\xe2\x80\x9d,\nor you otherwise tender as full satisfaction of a disputed amount, must be sent to us\nat the address for customer service shown on the billing statement.\n10. Returned Payment Fee: If any payment sent to us for payment on your Account is\nreturned to us unpaid by the bank, we may charge you a Returned Payment Fee as\nprovided in the Summary of Credit Terms above. You agree that we can add the Returned\nPayment Fee to the balance due on your Account.\n11. Late Payment Fee: If your minimum monthly payment is not received by us within 10\ndays after it is due, we will impose a Late Payment Fee in the amount provided in your\nSummary of Credit Terms Above. You agree that we can add Late Payment Fees to the\nbalance due on your Account. In no event will your Late Payment Fee exceed your\nminimum payment due.\n12. Canceling or Limiting Your Credit Authorization: As permitted by applicable law, we\nhave the right at any time to limit or terminate the use of your Account and raise or lower\nyour credit limit without giving you notice in advance. Some purchases will require our prior\nauthorization, in which case you may be asked to provide identification. If our authorizations system is not working, we may not be able to authorize a transaction, even if you\nhave sufficient available credit. We will not be liable to you if this happens. We are not\nresponsible for the refusal of anyone to accept or honor an addition to this Account. In\naddition, even if you cancel the use of your Account, you are still responsible for any\nAccount balances incurred by the authorized user that remain unpaid.\n13. Voluntary Termination: We will terminate your Account if two things happen: (1) You\nhave paid off your account and it has a zero balance; and (2) You have not used any of\nyour available credit on this account for 365 days after the account has a zero balance. No\naction is required to terminate your Account under these circumstances.\n14. Changes In this Agreement: We may change any term of this Agreement, including\nrate of Interest. We will furnish you notice of the change to the extent, if any, required by\nlaw. If not prohibited by applicable law, any new terms may at our option be applied to any\nbalance existing on the Account at the time of change, as well as to any subsequent\ntransactions.\n15. Credit Inquiries and Accurate Reporting: You authorize us to obtain a credit report\non you for any legal purpose in connection with this Agreement, including any update,\ncredit increase request, extension of credit, review or collection of amounts due under this\nAgreement. If you request, we will tell you whether any report was requested, and if so, the\nname and address of the credit bureau furnishing the report. Negative information may\n\nbe reported by us to the credit reporting bureaus in connection with your Account\nsuch as late payments, missed payments or defaults on your Account.\n16. Disputed Accuracy of Credit Report: If you believe we have reported inaccurate\ninformation about you to a consumer reporting agency, please contact us at Rooms to Go\nLoan Services, PO Box 29429, Atlanta, GA 30359. ATTENTION: DISPUTES. When you\nnotify us, identify the information in question and tell us why you believe it is inaccurate. If\nyou have a credit report that includes the information that you believe to be inaccurate,\ninclude a copy of that credit report.\n17. No Waiver By Us: You agree we have the right without notice to you to delay or refrain\nfrom enforcing our rights under this Agreement without losing them. For example, and\nwithout limitation, you agree we may extend the time to make payments without extending\nthe lime to make other payments, accept late or partial payments without waiving our right\nto have future payments made when they are due, and waive any charge or fee without\nlosing our right to impose that charge or fee when it is due under this Agreement.\n18. Telephone Monitoring/Recording: In order to assure that you receive the best\npossible customer service and that our employees are complying with our policies and all\napplicable laws in their contacts with you, on occasion a second employee may listen to or\nrecord customer calls.\n19. Change of Address and Governing Law: You agree to notify us promptly in writing if\nyou move. Until we receive written notice from you, or definitive proof of a new address, we\nwill continue to send monthly statements and other notices to the address we have on file\nfor this Account. This Agreement and your Account are governed by the federal laws\nof the United States and, to the extent not preempted by federal law the laws of the\nState of Georgia (without regard to its internal principles of conflict of laws), whether\nor not you live in Georgia. This Agreement is entered into between you and us in Georgia\nand we extend credit to you from Georgia.\n20. YOUR 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 Rooms to Go Loan\nServices, PO Box 29429, Atlanta, GA 30359. ATTENTION: CUSTOMER SOLUTIONS.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you \t\t\n\t\t 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 automated payment is scheduled, if you want to \t\t\n\t\t stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\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. \t\t\n\t\t We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to \t\t\n\t\t you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that \t\t\n\t\t amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, we may continue to charge you\n\t\t interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the \t\t\n\t\t 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\n\t\t 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 \t\t\n\t\t question, along with applicable interest and fees. We will send you a statement of the\n\t\t amount you owe and the date payment is due. We may then report you as delinquent if\n\t\t you do not pay the amount we think you owe by the date the payment is due.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent and we must let those\norganizations know when the matter has been settled between us. If we do not follow all of\nthe rules above, you do not have to pay the first $50 of the amount you question even if\nyour 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\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave the 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 \t\t\n\t\t current mailing address, and the purchase price must have been more than $50. \t\t\n\t\t (Note: Neither of these are necessary if your purchase was based on an\n\t\t advertisement we mailed to you, or if we own the company that sold you the goods or\n\t\t services.)\n2. You must have used your credit card for the purchase. Purchases made with cash \t\t\n\n\t\t advances from an ATM or with a check that accesses your credit card account do not\n\t\t 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\nin writing [or electronically] at: Rooms to Go Loan Services, PO Box 29429, Atlanta, GA\n30359, email: service@greenskycredit.com.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\n21. Entire Agreement: This Agreement constitutes the final written expression of the credit\nagreement between you and us relating to your Account. We are not bound by any oral\nrepresentations made or implied that are not directly reflected in this Cardholder\nAgreement. A credit agreement must be in writing to be enforceable. Oral Agreements or commitments to loan money, extend credit or to forbear from enforcing\nrepayment of a debt including promises to extend to renew such debt are not\nenforceable. To protect you (borrower(s)) and us from misunderstanding or\ndisappointment, any agreements we reach covering such matters are contained in\nthis writing, which is the complete and exclusive statement of the agreement\nbetween us, except as we may agree in writing to modify it.\n22. MILITARY LENDING ACT: The Military Lending Act provides protections for certain\nmembers of the Armed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d). The\nprovisions of this section apply to Covered Borrowers under the Military Lending Act. If you\nwould like more information about whether you are a Covered Borrower and whether this\nsection applies to you, please contact us at 877-266-2945.\nStatement of MAPR. Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the\ncredit transaction or account: (1) the costs associated with credit insurance premiums; (2)\nfees for ancillary products sold in connection with the credit transaction; (3) any application\nfee charged (other than certain application fees for specified credit transactions or\naccounts); and (4) any participation fee charged (other than certain participation fees for a\ncredit card account). Oral Disclosures. In order to hear important Military Lending Act\ndisclosures and payment information provided in this Agreement, please call\n877-266-2945.\n23. State Law Notices:\nCALIFORNIA RESIDENTS: Interest is compounded on unpaid finance charges on\nPurchases.\nDELAWARE RESIDENTS: Finance charges will be imposed in amounts or at rates not in\nexcess of those permitted by law on the outstanding balances from month to month.\nFLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against\nyou, a portion of your disposable earnings may be attached or garnished (paid to us by\nyour employer), as provided by Florida and Federal law.\n\nMARYLAND RESIDENTS: You have the right under Section 12-510 of\nthe Commercial Law Code to receive an answer to a written inquiry\nconcerning the status of your account.\n\nNEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to\napplicable law, they may be void, unenforceable or inapplicable in some jurisdictions. None\nof these provisions, however, is void, unenforceable or inapplicable in New Jersey.\nRHODE ISLAND RESIDENTS: This is a NON-NEGOTIABLE CONSUMER NOTE.\nWISCONSIN RESIDENTS: We will not charge you attorneys\xe2\x80\x99 fees, court costs, or other\ncollection costs incurred as a result of your default.\nMARRIED WISCONSIN RESIDENTS: No provisions of any marital property agreement,\nunilateral statement under Section 766.59 or court decree under Section 66.70 will\nadversely affect the interest of the creditor unless the creditor, prior to the time credit is\ngranted, is furnished a copy of the agreement statement, or decree or has actual\nknowledge of the adverse provision when the obligation to the creditor is incurred. We are\nrequired to ask you to provide the name and address of your spouse.\nNOTICE TO THE BUYER:\n1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT \t\t\n\t\t CONTAINS ANY BLANK SPACES.\n2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT \t\t\n\t\t AGREEMENT.\n3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT OR YOUR \t\t\n\t\t ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE\n\t\t FOR PREPAYMENT.\nNY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT\nBorrower\xe2\x80\x99s Signature: Your signature (including any electronic or digital signature) on any\nApplication or on any sales slip or other evidence of indebtedness on your Account\nrepresents your signature on this Agreement.\nBorrower: Sign Here: \t\t\t\t\n\t\t\t\nIf not physically signed and dated above, see electronic signature\n\nDate:\n\nBorrower: Sign Here: \t\t\t\t\nDate:\n\t\t\t\nIf not physically signed and dated above, see electronic signature\nLENDER: /s/ Brand Banking Company, a Georgia state-chartered bank.\nNOTICE:\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL\nCLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE\nSELLER OF GOODS AND SERVICES OBTAINED PURSUANT HERETO OR WITH\nTHE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT\nEXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\nRTG_Terms_Conditions_20170403 Revised 04/17\n\n\x0cFACTS\n\nWHAT DOES BRANDBANK DO WITH YOUR PERSONAL INFORMATION?\n\nRev.\nRev. October 2016\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some\nbut not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information.\nPlease read this notice carefully to understand what we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service you have with us. This information\ncan include:\n- Social Security number and Income\n- Account balances and Payment history\n- Credit history and Credit scores\n\nHow?\n\nAll financial companies need to share customers' personal information to run their everyday business. In the section below,\nwe list the reasons financial companies can share their customers' personal information; the reasons BrandBank chooses to\nshare; and whether you can limit this sharing.\n\nPage 2\n\nWhat we do\nHow does BrandBank protect\nmy personal information?\n\nTo protect your personal information from unauthorized access and use, we use security measures that\ncomply with federal law. These measures include computer safeguards and secured files and buildings.\nWe restrict access to your personal information to those who have a legitimate business purpose, and we\ntrain employees on data security and confidentiality.\n\nHow does BrandBank collect my We collect your personal information, for example, when you\npersonal information?\n- Open an account or Deposit money\n- Apply for a loan or Use your credit or debit card\n- Give us your income information\nWe also collect your personal information from others, such as credit bureaus, affiliates, or other\ncompanies.\nWhy can't I limit all sharing?\n\nFederal law gives you the right to limit only\n- sharing for affiliates' everyday business purposes--information about your creditworthiness\n- affiliates from using your information to market to you\n- sharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit sharing.\nYour choices will apply to everyone on your account\n\nYes\n\nWhat happens when I limit\nsharing for an account I hold\njointly with someone else?\n\nYes\n\nNo\n\nDefinitions\n\nFor our affiliates' everyday business purposes-information about your creditworthiness\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nYes\n\nYes\n\nFor nonaffiliates to market to you\n\nYes\n\nYes\n\nReasons we can share your personal information\n\nDoes BrandBank share?\n\nCan you limit this sharing?\n\nFor our everyday business purposes-such as to process your transactions, maintain your account(s), respond\nto court orders and legal investigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes-to offer our products and services to you\n\nYes\n\nYes\n\nFor joint marketing with other financial companies\n\nYes\n\nFor our affiliates' everyday business purposes-information about your transactions and experiences\n\nTo limit our\nsharing\n\nQuestions?\n\n- Call toll-free 877-778-2710 - our menu will prompt you through your choice(s)\n- Mail the form below\nPlease note:\nIf you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice.\nWhen you are no longer our customer, we continue to share your information as described in this notice.\nHowever, you can contact us at any time to limit our sharing.\n\nAffiliates\n\nCompanies related by common ownership or control. They can be financial and nonfinancial companies.\n- Our affiliates include financial companies, such as\nBrand Mortgage Group, LLC, a wholly-owned subsidiary of The Brand Banking Company.\n\nNonaffiliates\n\nCompanies not related by common ownership or control. They can be financial and nonfinancial companies.\n- Nonaffiliates we share with can include can include credit card providers.\n\nJoint marketing\n\nA formal agreement between nonaffiliated financial companies that together market financial products or services to\nyou.\n- Our joint marketing partner(s) include our credit card and marketing service providers\n\nCall 770-963-9224\n\n---------------------------------------------------------------------------------------------------\n\nMail-in Form\nMark any/all you want to limit:\n[ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes.\n[ ] Do not allow your affiliates to use my personal information to market to me.\n[ ] Do not share my personal information with nonaffiliates to market their products and services to me.\n[ ] Do not share my personal information to market to me.\n[ ] Do not share my personal information with other financial institutions to jointly market to me.\nName\n\nMail to:\nBrandBank\nP.O. Box 1110\nLawrenceville, Ga. 30046\n\nAddress\nCity, State, Zip\nAccount Number\n\n\xc2\xa9 1995-2015 Compliance Systems, Inc. 79b8ab39-9211999e - 2014CLS1.0.604 - 05/19/2014\n\n- brand\n\n- BrandBank is the trade name of The Brand Banking Company\n\nRTG_Terms_Conditions_20170403 Revised 04/17\n\n\x0c"


b'Tyndall Federal Credit Union\nP.O. Box 59760\nPanama City, FL 32412-0760\n\nCREDIT CARD AGREEMENT\n\n850-769-9999 (888-896-3255, toll-free)\ntyndall.org\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TYNDALL FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\n\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\n9011 LASER FPDF FI18816 Rev 5-2019\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of your statement\'s new balance by the\ndate on which the payment is due. Otherwise, the new balance of your\naccount, and subsequent advances from the date they are posted to the\naccount, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is 850-769-9999 (888-896-3255, toll free). You agree\nto follow up your call with notice in writing to us at: Tyndall Federal Credit\nUnion, P.O. Box 59760, Panama City, FL 32412-0760. You also agree to\nassist us in determining the facts, circumstances and other pertinent\ninformation relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with\nour investigation. You will be liable for any unauthorized use only if we can\nprove that you were negligent in your use or handling of your Card, or if we\ncan prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account no later\nthan the date of receipt. If payment is made at any location other than the\naddress designated on the periodic statement, credit for such payment may\nbe delayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TYNDALL FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n9011 LASER FPDF FI18816 Rev 5-2019\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nSkip Payment: If we make a skip payment option available, you may skip\nmaking your payment(s) for certain month(s). If you choose this option,\ninterest will continue to accrue, but no late payment charges will be imposed\nduring the skip period. All credit terms applicable immediately prior to the skip\nperiod will again apply once the skip period has expired.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request at the next statement cycle.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\nReleasing Person from Account Liability: We may release a Cardholder,\nAuthorized User, or Other User from liability at any time and in our sole\ndiscretion. WE are not bound by any terms of a divorce decree including\nthose that allocate liability for the Account between ex-spouses.\n\nYou agree that the credit card agreement and Truth-in-Lending Disclosure\nsupersedes the provisions of the Xpress Permanent Loan Agreement, that\ncollateral offered as security or obtained pursuant to the Xpress Permanent\nLoan Agreement shall be collateral under the credit card agreement and\nTruth-in-Lending Disclosure, and that all existing subaccount balances of the\nXpress Permanent Loan Agreement shall become subaccount balances\nunder the Credit Card Agreement and Truth-in-Lending Disclosure (at the\nexisting rate of interest being charged and at the existing payment status).\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military Lending Act (MLA), 10 U.S.C. 987 and\nits implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle that you did not purchase with the proceeds of the loan; or (b) it is otherwise\ndetermined by law that the MLA applies to your loan. If this loan is a revolving line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the\nmilitary or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit 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 include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nTo receive this notice verbally, please call 1-888-896-3255 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection with this loan (\xe2\x80\x9cSecured\nAccount\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization provision contained in your loan or account documents\nwill not apply to the Secured Account or your other share or deposit accounts for any loan subject to the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums in the Secured Account or\nany other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to waive your rights to legal recourse\nunder any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from you in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to these disclosures or the MLA (as\nthey may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms and conditions of the consumer credit contract shall remain in full\nforce and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIn your letter, give us the following information:\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\n1. Your name and account number.\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is wrong and why you without also reporting that you are questioning your bill. We must tell you the name of anyone\nbelieve it is a mistake.\nto whom we reported you as delinquent, and we must let those organizations know when the\nYou must contact us:\nmatter has been settled between us.\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\nquestion even if your bill is correct.\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not Your Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you think there is an error on your statement, write to us at the address(es) listed on your\nstatement.\n\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\n\nIf you are dissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\n\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\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the writing at the address(es) listed on your statement.\nremainder of your balance.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nCONSENT TO CONTACT\nYou consent to receiving telephone calls and text messages from us and our third party debt collectors at any telephone number associated with your account, loans, or lines of credit, including\nwireless telephone numbers (i.e., cell phone numbers) which could result in charges to you, in order for us to service your account or collect any amounts owed to us, excluding any contacts for\nadvertising and telemarketing purposes as prescribed by law. You further agree methods of contact may include use of pre-recorded or artificial voice messages, and/or use of an automatic\ndialing device. You acknowledge you may withhold such consent by striking through this paragraph at the time of the signing of this Agreement or withdraw such consent by written notice to us at\nTyndall Federal Credit Union, P.O. Box 59760, Panama City, FL 32412-0760, by telephone at 850-769-9999 (888-896-3255, toll free), or by any other reasonable means. If you have provided or\nprovide a wireless telephone number(s) to us in connection with your accounts, loans, or lines of credit, or any of them, you represent and agree you are the wireless subscriber or customary user\nwith respect to the wireless telephone number(s) provided and have the authority to give this consent. Furthermore, you agree to notify us of any change to the wireless telephone number(s)\nwhich you provide to us. You agree to indemnify us and our third-party debt collectors, and hold us and our third-party debt collectors harmless, from and against any and all losses, claims,\ndamages, liabilities, costs or expenses (including any attorneys\' fees) that arise out your breach of any of the foregoing representations and agreements.\n9011 LASER FPDF FI18816 Rev 5-2019\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'F1\nVISA CLASSIC\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\nThis Addendum is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER\xc2\xae Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nF2\n9.25-18.25%\n\nThis APR will vary with the market based on the Prime Rate.\n9.25-18.25%\nF3\nThis APR will vary with the market based on the Prime Rate.\n9.25-18.25%\nF4\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\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\nF5\n1.00%\n\nof each transaction in U.S. dollars\n\nUp to F6\n$25.00\nUp to F7\n$25.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nPay-by-Phone Fee\n\nF8\n$25.00 or the amount of the required minimum payment, whichever is\nless, if you are one (1) or more days late in making a payment.\nF9\n$25.00 or the amount of the required minimum payment, whichever is\nless.\nF10\n$5.00\n\nCollection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney\'s fees.\nPeriodic Rates.\n9.25-18.25% which is a daily periodic rate of F12\n0.0253%.\nThe Purchase APR is F11\n9.25-18.25% which is a daily periodic rate of 0.0253%.\nThe Balance Transfer APR is F13\nF14\n9.25-18.25% which is a daily periodic rate of 0.0253%.\nThe Cash Advance APR is F15\nF16\n\nVariable Rate.\nThe ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change\nin the Index and will be determined by the Prime Rate on the third Tuesday of February, May, August, and November of\neach year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe Credit Union will choose a new index which is based upon comparable information.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDNMFN1 (MXC452 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cMargin.\nPurchases will be charged at F17\n5.50% above the Index.\nBalance transfers will be charged at F18\n5.50% above the Index.\nCash advances will be charged at F19\n5.50% above the Index.\n\nDNMFN1 (MXC452 CCM00)-e\n\n\x0c'