b'JEANNE D\xe2\x80\x99ARC CREDIT UNION\nVISA CARDHOLDER AGREEMENT & INITIAL DISCLOSURE\n\xc2\xae\n\nEffective November 1, 2015\n\nThis VISA\xc2\xae Cardholder Agreement & Initial Disclosure (the \xe2\x80\x9cAgreement\xe2\x80\x9d) covers your credit Card Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) with us, Jeanne D\'Arc Credit Union (the \xe2\x80\x9cissuer\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d). Each person (or, if you have\na business account, each business entity) ("Account Holder", "you" or \xe2\x80\x9cyour\xe2\x80\x9d) who applied for the VISA\xc2\xae\ncredit Card (the \xe2\x80\x9cCard\xe2\x80\x9d) issued by us and each Cardholder, by using the Card, acknowledges receipt from\nus of the Agreement and agrees with the issuer that the following terms contained herein apply to you\nand your use of the Card:\n1. Your Account. If your Account is a joint Account, each Account Holder has the right to use the\nAccount up to your credit limit as described in section #4 of this Agreement. Each Account Holder is\nbound by these terms and each, individually, will be liable for all charges, even if only one of you uses\nthe Account. For joint Accounts, each individual separately, and both individuals together, are\nreferred to in this Agreement as ("you").\nIf your Account is a business account, each Cardholder (as described in section #2 of this Agreement)\nhas the right to use the Account up to your credit limit (as described in section #4 of this Agreement)\ndivided by the total number of Cards that we issue to you. The Account Holder is bound by these\nterms and will be liable for all charges regardless of who uses the Cards that we issue to you. You\nagree that all purchases, cash advances, and any other use of your Account will only be for business\npurposes, and that you will not use your Account for any personal, household or family purpose.\n2. Additional Cardholders or Others Using Your Account. You may authorize others to use your Account.\nYou may add up to 3 (three) additional Cards to your Account at no extra charge, or if your Account is\na business account, you may add up to 10 (ten) additional Cards. If you request additional Cards,\neach additional cardholder will receive a Card with his or her individual name embossed. You promise\nto pay for all Credit Purchases, Cash Advances and Balance Transfers made by anyone you authorize\nto use your Account, with or without a Card, and whether or not you notify us that he or she will be\nusing it. If you authorize another person to use your Account and you want to end that person\'s\nprivilege; you must recover and return that person\'s Card. If you are unable to recover and return the\nCard, you will continue to be liable for any charges made unless you tell us to cancel all Cards and\nestablish a new Account for you, which will be done automatically if you notify us of unauthorized use\nas described in section #24 of this Agreement. We may request written verification from you\nregarding any change or cancellation to your Account.\n3. Credit Card Account Services. The following services are available through your Account, up to the\namount of your credit limit. These services are not available if your Account is delinquent, closed or\nthe amount of the advance would cause your balance to exceed your credit limit.\n\xe2\x80\xa2 Credit Purchases. You can use your Account to purchase goods and services (referred to in this\nAgreement as "Credit Purchases") wherever VISA\xc2\xae credit cards are accepted.\n\xe2\x80\xa2 Cash Advances. You can obtain a Cash Advance up to $3,000.00 per day from your Account by\npresenting your Card at a financial institution that accepts VISA\xc2\xae; and you may obtain a Cash\nAdvance up to the amount of your available credit limit by presenting your Card at any Jeanne\nD\xe2\x80\x99Arc Credit Union Branch Location. You can also use your Card to obtain up to $300.00 per day\nin cash from any authorized Automated Teller Machine ("ATM").\n\xe2\x80\xa2 Balance Transfers. You can use your Account to transfer balances from other credit Accounts of\nyours to your Account at Jeanne D\xe2\x80\x99Arc Credit Union. If transfer information you provide is\nincomplete or incorrect we will not be able to process the transfer request. We are not\nresponsible for any remaining balance on your credit Card accounts at other institutions; for\nclosing your account(s); or for any finance or other charges you incur due to delays in transferring\na balance. We recommend that you continue to pay your minimum payment due until you are\nsure the balance transfer(s) has posted to your account(s) at the other institution(s).\n\n\x0c4. Your Line of Credit. We will establish a line of credit for you and notify you of its amount when we\nissue your Card. Your credit limit is shown on each of your billing statements. You agree not to let\nthe Account balance exceed this approved credit limit. Each payment you make on the Account will\nrestore your credit limit by the amount of the payment which is applied to principal. You may request\nan increase in your credit limit only by application to us, which must be approved by us. Without prior\nnotice to you, we may raise your credit limit. By giving you written notice we may, with good cause,\nreduce your credit limit.\nIf you exceed your credit limit, we may at our option, close your Account, and/or exercise any of our\nother remedies under this Agreement or applicable law. You must pay the full amount by which your\nbalance exceeds the credit limit. The fact that we do not ask you for that amount as part of the\nMinimum Periodic Payment shown on your billing statement does not relieve you of your obligation to\npay it immediately. We shall have no obligation to permit any new Credit Purchases, Cash Advances,\nor Balance Transfers if our records show that doing so will cause your balance to go over your limit.\nIf we do permit any such Credit Purchases, Cash Advances, or Balance Transfers, such permission will\nnot result in any waiver of our rights under this section.\n5. Annual Percentage Rate (APR). The Annual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d) for your Account is the annual\ninterest rate and is used to calculate the Interest Charged to your Account. The APR was determined\nbased on your personal credit score at the time of your application. The APR does not include any\nother Finance Charges, other than interest, which also may be charged to your account, as described\nin section #7 of this Agreement.\nWe will review your Account on an annual basis and adjust your APR based on your personal credit\nscore and in the course of doing so, we may ask you for additional information, request credit bureau\nreports and/or otherwise verify your current credit standing. If we decide to change your APR we will\nprovide you with a 45-day notice.\n6. Paying Interest. Your Account will be subject to the Annual Percentage Rate and corresponding\nPeriodic Rate applicable to your Jeanne D\'Arc Credit Union Card program.\nYou can avoid incurring Interest Charges on the balance of purchases reflected on your monthly\nstatement and on any new purchases appearing on your next monthly statement by paying the New\nBalance shown on your monthly statement on or before the Payment Due Date. Otherwise, the new\nbalance of purchases, and subsequent purchases from the date they are posted to your Account, will\nbe subject to Interest Charges. Cash advances and Balance Transfers are always subject to Interest\nCharges from the date they are posted to your Account.\nThe actual Interest Charged will be shown on your monthly statement. The Interest Charges for a\nbilling cycle are computed by applying the monthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of\npurchases and cash advances (which includes balance transfers). To get the average daily balance,\nwe take the beginning balance of your account each day, add new purchases, cash advances and\ndebit adjustments, and subtract any payments, credits, non-accruing fees, and unpaid finance\ncharges. This gives us the daily balance. Then we add up all of the daily balances for the billing cycle\nand divide the total by the number of days in the billing cycle to determine your Interest Charge. If\nyou are charged interest, the charge will be no less than $.50.\n7. Transaction Fees. Transaction fees are one-time fees that are considered Finance Charges. If you\nincur such fees your actual APR will exceed the corresponding APR shown on your statement in any\nmonth for which they are posted to your Account. We will assess the following transaction fees to your\naccount:\nx Cash Advance Fee. Each time a new Cash Advance is posted to your Account you will be charged\n2.00% of the amount of the advance, but in no event less than $5.00, or greater than $50.00.\nx Balance Transfer Fee. We currently do not assess a balance transfer fee.\n\n\x0cx\n\nInternational Transaction Fee. An international transaction is a transaction where the country of\nthe merchant is outside the USA. When you use your Jeanne D\' Arc Credit Union Card at a\nmerchant that settles in currency other than US dollars, the charge will be converted into the US\ndollar amount. The currency conversion rate used to determine the transaction amount in US\ndollars is either a rate selected by VISA\xc2\xae from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate VISA\xc2\xae itself\nreceives, or the government-mandated rate in effect for the applicable central processing date.\nThe conversion rate in effect on the processing date may differ from the rate in effect on the\ntransaction date or posting date. VISA\xc2\xae USA charges us a 0.80% International Service\nAssessment on all international transactions, regardless of whether there is a currency conversion.\nIf there is a currency conversion, the International Service Assessment is 1.00% of the\ntransaction. In either case, we pass this assessment on to you as an International Transaction\nFee.\n\n8. Annual Fee. We currently do not assess an annual fee.\n9. Maintenance Fees. We currently do not assess maintenance fees.\n10. Penalty Fees. Your Account will be assessed these penalty fees:\nx Late Payment Fee \xe2\x80\x93 If we do not receive at least your minimum payment within 15 days after the\ndue date, you will be assessed a Late Fee for the lesser of 10% of the New Balance or $10.00\n($27 for Business Accounts).\nx Returned Payment Fee \xe2\x80\x93 If your payment is returned to us for any reason you will be charged our\nReturned Payment Fee of up to $25.00 ($27.00 for Business Accounts).\n11. Other Fees. Your Account may be assessed these other fees:\nx Replacement Card Fee \xe2\x80\x93 If you request a replacement Card we may charge you our replacement\nCard fee of $10.00; or $20.00 for a rush order.\nx Account Research Fee \xe2\x80\x93 If you request statements or other documentation we may charge you\nour Research Fee of $35.00 per hour.\nx Telephone Payment Processing Fee. If you call us and authorize us to make a payment to your\naccount from another financial institution you may be charged a processing fee of $10.00.\n12. Responsibility. You agree to pay us, when due, the total of all Credit Purchases, Cash Advances,\nBalance Transfers, Interest Charges, fees and collections costs arising from the use of your Account\nby you or any other person you permit to use your Account even if that person exceeds their\npermission. Your obligation to pay the Account Balance continues even though an agreement,\ndivorce decree or other court judgment to which we are not a party may direct you or one of the\nother persons responsible to pay the Account. Any person using the Card is jointly responsible with\nyou for charges he or she makes, but if that person signs the Card he or she becomes a party to this\nAgreement and is also jointly responsible for the entire Account Balance.\n13. Payments. Every month you must pay at least the minimum payment by the Payment Due Date. The\nMinimum Payment Due will be either 2% of your New Balance, or $10.00, whichever is greater, or\nyour total New Balance, if it is less than $10.00. In addition at anytime if your New Balance exceeds\nyour credit limit, you must immediately pay the excess upon our demand.\nPayments may be made by mail, at a Jeanne D\xe2\x80\x99Arc Credit Union banking office, through our online\nbanking and other services available at JDCU.com. To mail payments they must be sent to the\naddress listed on the front of the billing statement after the phrase "make check payable to." Mailed\npayments will be given \xe2\x80\x9csame-day\xe2\x80\x9d credit if received on a due date that is a business day by 5:00\np.m. Mailed payments received on the day following a weekend or holiday payment due date will be\n\xe2\x80\x9cback-dated\xe2\x80\x9d to that due date.\n\n\x0cBy separate agreement you may authorize us to charge the minimum payment automatically to your\nshare or share draft Account with us. You may of course, pay more frequently, pay more than the\nminimum payment, or pay the total new balance in full, and you will reduce the Interest Charge by\ndoing so. We may accept checks marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with words of similar effect without\nlosing any of our rights to collect the full balance of your Account with us. Posting of your payment\nwill be delayed if your payment check is drawn on a non- United States domiciled financial institution\nor entity. Payment will not be credited to your Account until the funds have been collected in United\nStates dollars.\nPayments made to your Account will be applied in the following order:\nx Previously billed and unpaid Finance Charges\nx Miscellaneous fees (including late charges)\nx Purchase Balance as of last statement\nx Cash Advance balance as of last statement\nx Purchases this billing cycle\nx Cash Advances this billing cycle\nHowever, payments in excess of the Minimum Payment Due, will be applied to outstanding balances\nwith the highest APR first and any related Interest Charge, and then applied to lower APR balances on\na sequentially lower basis.\n14. Statements and Notices. We will have a statement delivered to your mailing address every month, at\nleast 21 days prior to the Payment Due Date. The statement will show your Previous Balance; current\nPurchase and Cash Advance transactions on your Account; Other Credits and Debits; your Credit Limit\nand Available Credit Limit; Balances of Purchases and Cash Advances; New Balance; Purchase and\nCash Advance APR\xe2\x80\x99s and Periodic Rates; Interest and Fees Charged year-to-date; Fees and Interest\nCharged for the period; Estimated Total Costs; Payment Due Date; and Minimum Payment Due. The\nstatement will also include a disclosure showing you how long it will take to pay off your balance if\nonly minimum payments are made and what monthly payment would be necessary to pay off your\nbalance in three years.\nStatements and notices will be mailed to you at the most recent address you have given the Credit\nUnion. Notices sent to any one of you will be considered notice to all. To inquire or send\ncorrespondence write us at the address indicated on the front of the billing statement after the phrase\n"send inquiries to\xe2\x80\x9d.\n15. Payoff Your Balance. You may obtain your payoff balance by calling (800) 299-9842.\n16. Penalty APR. We currently do not assess a penalty APR.\n17. Default. If you fail to pay at least the Minimum Payment Due by the Payment Due Date your payment\nwill be considered late and you may be considered in default. If at any time we consider your Account\nin default, you understand we may demand full payment and return of your cards and the Interest\nCharges will continue to be calculated at the Penalty APR until you repay your entire loan. You also\nagree to pay any fees, collection costs, reasonable attorney fees, and court costs as applicable.\nWe may, without notifying you, temporarily suspend your credit, close your Account, cancel all credit\ncards issued on it and require immediate payment of your entire balance if any of the following\noccurs:\na. You fail to make a payment when it is due;\nb. You do not follow the terms of this Agreement in any way;\nc. You have made any false or misleading statement on the application for your Account;\nd. You fail to pay any other loans you owe us;\ne. You become insolvent or die;\n\n\x0cf.\n\nThere is an attachment, execution or levy against your property or you make an assignment\nfor the benefit of creditors;\ng. A bankruptcy petition is filed by or against you or your spouse;\nh. A guardian, conservator, receiver, custodian or trustee is appointed for you;\ni. You are generally not paying your debts as they become due; or\nj. There has been a material adverse change in your financial standing.\n\n18. Illegal Use and Internet Gambling. You agree not to use your Card(s) for unlawful Internet gambling\nor other illegal purpose(s). Display of a payment Card logo by, for example, an online merchant does\nnot necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be\nlocated.\n19. Returns and Adjustments. Merchants and others who honor this Card may give credit for returns or\nadjustments, and they will do so by sending us a credit which we will post to your Account. If your\ncredits and payments exceed what you owe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or if it is $1.00 or more, refund it on your written request or\nautomatically within six months.\n20. Honoring Card. We are not responsible for the refusal of any merchant or financial institution to\nhonor your Card.\n21. Security Interest. If you give or have given us a specific pledge of your Credit Union shares, or any\nsecurity interests for all of your debts, your account will be secured by your pledged shares and the\nproperty described in those other security agreements, except for property consisting of your\nprincipal residence and household goods.\n22. Credit Information. You authorize us to investigate your credit standing when opening, renewing or\nreviewing your Account and you authorize us to release information to others who inquire of us about\nyour credit standing, to the extent allowed by law.\n23. Change in Terms. We can change any terms of your Account at any time. We will provide you with\na 45-day notice for all significant changes to terms in this Agreement, as required by law, and a\nNotice of Right to Cancel, unless you have previously agreed to them. Subject to applicable law, any\nchange will apply to the current balance of your Account, as well as to future balances.\nIf your APR is increased due to default, or due to the completion of a workout or temporary hardship\narrangement, such adjustments would not be considered a change-in-terms.\n24. Lost or Stolen Card and Unauthorized Use. You agree to notify us immediately if your Card is ever\nlost or stolen, your PIN is lost or stolen, or if an unauthorized use may have occurred. To report a\nlost or stolen card, you must call us at: (800) 325-3678; to report unauthorized use of your card, call\nus at (800) 299-9842 or write us at: Customer Service, P.O. Box 30495, Tampa, FL 33630. You also\nagree to assist us in determining the facts, circumstances and other pertinent information relating to\nany loss, theft or possible unauthorized use of your credit Card and comply with such procedures as\nwe may require in connection with our investigation, including assisting in the prosecution of any\nunauthorized user.\nYou may be liable for the unauthorized use of your Account. Unless your Account is a business\naccount, you will not be liable for unauthorized use that occurs after you notify us orally or in writing\nof the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.00.\nIf your Account is a business Account for which less than 10 Cards have been issued, your liability for\nunauthorized use of a Card will not exceed $50.00. If 10 or more Cards are issued, there is no limit to\nyour liability for any unauthorized use that occurs before you notify us as provided herein; the\n\n\x0cbusiness or organization may only impose liability on its employees for unauthorized use of a Card as\nauthorized by federal law.\n25. Convenience Checks. You can use your Convenience Checks (\xe2\x80\x9cChecks\xe2\x80\x9d) to purchase goods or\nservices up to the amount of your Credit Line. Use of your Checks is a cash advance to Your VISA\xc2\xae\nAccount. We are not required to honor a check that will cause you to exceed your Credit Line. We\nwill not pay a Check if at the time the Check is presented, you are in default or we have suspended,\nterminated or canceled your Account. Each Check must be in the form we have issued to you.\nChecks may be used only by the person(s) whose name(s) is printed on the Checks. You may not\nuse your Checks to pay any amount you owe under your Account.\nYour statement will show you an itemization of the Checks posted to your Account during the billing\ncycle. Checks paid by us will not be returned to you with your statement. We will charge a Returned\nItem Fee per returned check which will be billed to your Account, if your Check(s) cannot be paid.\nChecks are not subject to VISA\xc2\xae chargeback rights. Provided such request is timely, so that we shall\nhave a reasonable opportunity to act upon it under our rules, you may order a Stop Payment on a\nCheck drawn on your Account. We may, but shall not be obligated to, receive such order orally. In\nsuch event, the order shall be valid for only fourteen (14) days thereafter unless confirmed in writing.\nWritten stop payment orders will remain in effect only six (6) months unless renewed in writing. You\nhave the responsibility of establishing the fact and amount of loss resulting from payment contrary to\na binding stop payment. We will charge a Stop Payment Fee when you place a stop payment on\nyour Checks(s) which will be billed to your Account.\n26. Important Notice to Cardholders Who Contact Us by Phone. You agree that the issuer, its agents and\nservice companies may, without the need to seek additional confirmation from you, monitor and/or\nrecord any telephone communications with you to ensure that inquiries from you are handled\npromptly, courteously, and accurately.\n27. Special Promotions. From time to time, we may offer special promotions, under which purchases of\ngoods or services, balance transfers or cash advances transactions may be billed to your Account\nwith special promotional terms. The finance charges, minimum payment, application on payments\nand other terms for special promotions may differ from the standard terms described in this\nAgreement and as may be shown on your Account statement.\n28. VISA\xc2\xae Rules and Regulations. The services being provided to you under this Agreement are made\npossible by Issuer\'s status as a licensee of VISA\xc2\xae U.S.A. You recognize Issuer\'s responsibility to\ncomply with the current VISA\xc2\xae U.S.A. rules and regulations and changes to them in order to continue\nto provide these services. VISA\xc2\xae cards may not be used for any illegal transaction.\n29. Accuracy of Information. The information about the terms and costs of the Card described in this\nAgreement is accurate as of the Effective Date. However, you may call us at 978-452-5001 any time\nto find out what may have changed, or write to us at: Jeanne D\xe2\x80\x99Arc Credit Union, 1 Tremont Place,\nLowell, MA 01854.\n30. Termination of Account. We can cancel your Account at any time, or reduce the amount of your\ncredit line, without notice to you, except in those situations where notice is required by law. If we\ncancel your Account, you agree to destroy all Cards issued on your Account by cutting them in half or\notherwise destroying them. You will continue to be responsible for full payment of the balance on\nyour Account and all charges to your Account, including those not yet received by us, as well as\nsubsequent Finance Charge and other charges. Each Card is our property, and you agree that the\nCards are not transferable and to surrender any Card upon demand.\nOn the Card anniversary date or at re-issue, your membership must be in good standing. If any\nobligation to which you are a party with the credit union is in default, a new Card may not be sent to\n\n\x0cyou. You may terminate this agreement at any time, but termination by either of us does not affect\nyour obligation to pay the Account balance plus any finance and other charges you owe under this\nagreement. Convenience checks are no longer valid if the Account has been suspended or\nterminated.\n31. Law Governing this Agreement. You understand and agree that this Agreement is made in\nMassachusetts and shall be governed by the Laws of the Commonwealth of Massachusetts to the\nextent that Massachusetts law is not inconsistent with controlling federal law. If any term or provision\nof this Agreement is found to be unenforceable, this will not make any other terms or provision\nunenforceable.\nIf, for any reason, we do not make use of any of our rights under this Agreement on a particular\noccasion(s), that will not limit our ability to exercise those rights in the future.\n\n\x0cYour Billing Rights: Keep this Document for Future Reference\nThis notice contains important information about your rights and our responsibilities under\nthe 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, call us at (800) 299-9842 or write us at: Customer\nService, P.O. Box 30495, Tampa, FL 33630.\nIn your\nx\nx\nx\n\nletter, give us the following information:\nAccount information - Your name and account number.\nDollar amount \xe2\x80\x93 The dollar amount of the suspected error.\nDescription of problem - If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\n\nYou must contact us:\nx Within 60 days after the error appeared on your statement.\nx At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we\nare not required to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell 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 why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nx We cannot try to collect the amount in question, or report you as delinquent on that amount.\nx The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\nx While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\nx We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nx If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\nx If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between\nus.\n\n\x0cIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases.\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from\nan ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, call us at (800) 2999842 or contact us in writing [or electronically] at: Customer Service, P.O. Box 30495, Tampa, FL 33630.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n\n\x0c* I M P O R TA N T D I S C L O S U R E S A N D C R E D I T I N F O R M AT I O N\nI N T E R E S T R AT E S A N D I N T E R E S T C H A R G E S\nANNUAL\nPERCENTAGE\n\n1.99%\n\nPURCHASES\n\nAfter that, your APR will be\ncreditworthiness.\n\nAPR FOR\nBALANCE\nTRANSFERS\n\n1.99%\nand creditworthiness.\nAfter that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.\n\nAPR FOR CASH\nADVANCES\n\n1.99%\nand creditworthiness.\nAfter that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.\n\nPENALTY APR\nAND WHEN IT\nAPPLIES\n\nNone\n\nHOW TO AVOID\nPAYING\nINTEREST\nON PURCHASES\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you any\ninterest on Purchases if you pay your entire balance by the due date each month.\n\nMINIMUM\nINTEREST\nCHARGE\n\nIf you are charged interest, the charge will be no less than $.50\n\nFOR CREDIT CARD TIPS\nFROM THE CONSUMER\nFINANCIAL PROTECTION\nBUREAU\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at\n\nand creditworthiness.\n\n7.99% to 15.99%, based on your program and\n\nCash Advances and Balance Transfers are always subject to interest charges from the\ndate they are posted to your account.\n\nFEES\nANNUAL FEE\n\nNone\n\nMAINTENANCE\nFEE\n\nNone\n\nTRANSACTION\nFEES\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 International\nTransaction\nPENALTY FEES\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n2.00% of transaction or $5 minimum; $50 maximum\nWith currency conversion: 1.00% of the amount of your transaction in U.S. Dollars\nWithout currency conversion: 0.8% of the amount of your transaction in U.S. Dollars\n\n10.00% of the New Balance; $10 maximum\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new\npurchases).\n\n1-877-604-5328 or write to Jeanne D\xe2\x80\x99Arc Credit Union, P.O. Box 1238, Lowell, MA 01853.\n\n\x0c'


b'Platinum MasterCard\xe2\x84\xa2 Credit Card\nAgreement & Federal Truth-In-Lending\nDisclosure Statement\nEffective October 3, 2017\nIn this Agreement and Disclosure Statement, the words YOU, YOUR and YOURS mean each and\nall those who apply for, sign or use the Card. WE, US, OUR, and OURS mean USE Credit Union.\nCARD means the Platinum MasterCard Credit Card(s) issued to you and any duplicates and\nrenewals we may issue. ACCOUNT means your Platinum MasterCard Credit Card Account with us.\nYou agree to the following terms and conditions and any amendments thereto. By requesting and\nreceiving, signing, or permitting others to use one of the cards noted above issued to you by USE\nCredit Union, you agree as the cardholder to the following terms.\n\nTerms Applicable Only to Savings-Secured Platinum MasterCard\nCredit Cards\nSECURITY AGREEMENT\n\xc2\xae\nYou understand that this is a savings-secured MasterCard account and, to protect us if you default on your\nloan, you are pledging under the California Uniform Commercial Code all funds now, or hereafter, on deposit\nin your savings account(s) as designated in writing between you and us (\xe2\x80\x9cdesignated savings account\xe2\x80\x9d). You\nunderstand that you must, at all times, keep a sum as designated on your loan application, on deposit in\nyour designated savings account until the loan is paid in full. You understand that this security interest will\ncover future purchases and advances under this Agreement. If you default, we may apply the funds in your\ndesignated savings accounts to repay your loan in accordance with federal and state law (including but not\nlimited to California Uniform Commercial Code). You understand that the Annual Percentage Rate, under\nthe Agreement, does not take into account the amount pledged in your designated savings accounts. You\npromise and certify that you own the funds in the designated savings accounts pledged under this\nAgreement and that there are no liens against them other than ours. You agree to perform all acts that we\ndeem necessary to make our security interest in the funds pledged enforceable.\n\nTerms Applicable To All Card Types\nFINANCE CHARGE: The FINANCE CHARGE on your account, for each billing cycle, will be::\nPERIODIC FINANCE CHARGES: Your account will be subject to a periodic FINANCE CHARGE\n(interest) at the periodic rate and ANNUAL PERCENTAGE RATE indicated for your Card type in the\n\xe2\x80\x9cPlatinum MasterCard Agreement Rates and Terms\xe2\x80\x9d addendum.\nHow We Compute The Balance Upon Which Periodic FINANCE CHARGES Are Assessed: Separate\ndaily balances are kept for purchases and cash advances. We add the daily balances for the billing cycle\nand divide the total by the number of days in the cycle to get your average daily balance. To get the daily\nbalance for cash advances, we add new cash advances and subtract any payments or credits. To get the\ndaily balance for purchases, we add new purchases and subtract any payments or credits.\nGrace Period for Purchases: If you pay the entire New Balance shown on a statement (both purchase\nand cash advances) within 25 days after the statement closing date, you will not pay additional FINANCE\nCHARGES on your purchase balance.\nGrace Period for Cash Advances: There is no grace period for cash advances. You will always pay a\nFINANCE CHARGE on cash advances from the day you receive the money to the day you repay it. This\nwill be true even if you pay the entire New Balance shown on a statement (both purchase and cash\nadvances) within 25 days after the statement closing date. All FINANCE CHARGES for cash advances\n(including cash advance transaction fees) begin on the \xe2\x80\x9ctransaction date.\xe2\x80\x9d\nPayment: You promise to repay us at our office all sums advanced to you or any other person you permit\nto use the account on the terms and at the rates set forth herein. Payments will continue until you have paid\nin full the unpaid balance, FINANCE CHARGE and any other fees or charges. If your ANNUAL\nPERCENTAGE RATE is changed pursuant to the provisions set forth herein, the number of payments\nrequired to repay the unpaid balance may be affected accordingly.\nMinimum Due Payment: We will mail you a statement at least 21 days prior to your payment due date\nshowing your Previous Balance, the current transactions on your account, the unused credit available under\nyour Credit Limit, the FINANCE CHARGE due, the total New Balance, and the Minimum Monthly Payment\nby the Payment Due Date. By separate agreement, you may authorize us to transfer the Minimum Monthly\nPayment automatically from your share or share draft account with us. You may, of course, pay more\nfrequently, pay more than the Minimum Monthly Payment, or pay the total New Balance in full, and you will\nreduce the FINANCE CHARGE by doing so. The minimum monthly payment will be either $15.00 or a\npayment percentage of your total New Balance up to your credit limit, whichever is greater. Your payment\npercentage will be determined by your rate or Card type as indicated in the table below, plus any amount\nwhich exceeds your Credit Limit and any Amounts \xe2\x80\x9cPast Due.\xe2\x80\x9d We will apply your payments in the following\norder of succession: unpaid fees or charges; unpaid FINANCE CHARGES; previous purchase balance;\nprevious cash advance balance; current balance of new purchase advances; current balance of new cash\nadvances. If your minimum payment is not sufficient to cover the unpaid fees and FINANCE CHARGES\ndue, your payment may be increased to cover those fees and charges, plus any amount which exceeds\nyour credit limit and any amounts past due:\nRate Range\n\nPayment Percentage\n\n0% \xe2\x80\x93 12.99%\n13.9% \xe2\x80\x93 14.9%\n15.0% \xe2\x80\x93 21.9%\n\n1.125%\n1.25%\n2.75%\n\nLate Charge: If your minimum monthly payment is more than 10 days late, you may be charged a late fee.\n(See Platinum MasterCard Agreement Rates and Terms for current fee amount).\nCredit Protection: You understand that Credit Protection Coverage is not required by us to obtain your\nloan. You acknowledge receiving a copy of a credit protection contract and have made the choice indicated\nthereon. The monthly cost of the coverage per $100 or portion thereof of the unpaid balance on the last day\nof each billing cycle is disclosed on the credit protection contract. The cost of any coverage you have\nchosen will be added to your principal balance on the statement date each month.\nCredit Limit: We will establish a Credit Limit for you. You agree not to let the unpaid balance exceed this\nCredit Limit. You agree to advise us of any change in your financial condition which may affect your\ncreditworthiness. You agree that you shall update the credit information that you have provided us, from time\nto time, on our request. You may request an increase in your Credit Limit, but such increases are subject to\napproval by us.\nAdvances and Purchases: You may request advances and make purchases in accordance with the\ncurrent loan policies up to your Credit Limit. You understand that all advances and purchases requested by\nyou are subject to our approval.\nUsing the Card: To request an advance, or make a purchase, you may:\n1. Present the CARD to a participating MasterCard merchant, to us, or to another financial institution; or\n2. Use the CARD in conjunction with your Personal Identification Number (PIN) at an Automated Teller\nMachine (ATM) or other type of electronic terminal that provides access to the MasterCard system.\nYou agree to retain the copy of the draft or receipt which you receive at the time of the transaction to verify\nyour monthly statement. We reserve the right to make a reasonable charge for photocopies of drafts,\nreceipts or other documents you may request.\nIllegal Use of Card: Your CARD may not be used for any illegal transaction or in an illegal manner (e.g.,\nInternet gambling transactions, foreign lottery purchases). We may decline to authorize any transaction that\nwe believe poses an undue risk of illegality or unlawfulness.\nPrepayment or Irregular Payments: Though you need only pay the Minimum Monthly Payment, in\naccordance with the terms and conditions set forth herein, you understand that you have the right to repay\nyour loan at any time without penalty. You also understand that you will only be charged periodic FINANCE\nCHARGES to the date you repay your entire loan. You may make larger payments without penalty and this\nmay reduce the total amount of periodic FINANCE CHARGES that you will repay. Any partial payment of\nyour loan will not advance your next payment due date(s). You understand that any payment that (a) delays\nor (b) accelerates the repayment of your unpaid balance will (a) increase or (b) decrease your periodic\nFINANCE CHARGES.\nPayments Marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d: We may accept checks, money orders, or other types of payment\nmarked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or using other language to indicate full satisfaction of any indebtedness, without being\nbound by such language or waiving any rights under this Agreement. Full satisfaction of indebtedness shall\nbe accepted by us only in a written agreement, signed by an authorized employee of the credit union.\nDefault: You will be in default 1) if you do not pay on time or in the proper amount; 2) if you fail to abide by the\nterms of this Agreement; 3) if your creditworthiness is impaired; 4) if you die, become insolvent or are the subject\nof bankruptcy or receivership proceedings; or 5) when applicable, your security is impaired. In the event of any\naction by us to enforce this Agreement, you agree to pay the costs thereof, reasonable attorney\xe2\x80\x99s fees, and other\nexpenses. You understand that FINANCE CHARGES at the Periodic ANNUAL PERCENTAGE RATE as\npermitted under this Agreement will continue to accrue until you repay your entire loan.\nAcceleration and Collection Costs: If you are in default, we may demand immediate payment of the\nunpaid balance, FINANCE CHARGES, late charges, annual fees, and collection costs, if any. You\nunderstand that you will be charged late charges, if any, and FINANCE CHARGES at the monthly periodic\nrate (at the Applicable Periodic Rate), late charges, annual fees, and collection costs under the terms\ndisclosed in this Agreement, until you repay your entire loan. You also agree to pay our reasonable\nattorney\xe2\x80\x99s fees and court costs.\nResponsibility: You agree to repay us according to the terms of this Agreement for all purchases,\nadvances, FINANCE CHARGES, late charges and annual fees, if any, arising from the use of the account\nby you or any other person you permit to use your account, even if that person exceeds your permission.\nAny person using the account is jointly and severally responsible with you.\nCredits: If a merchant who honors your CARD gives you credit for returns or adjustment, he/she will do so\nby sending us a credit slip which we will post to your account. If we do not receive credit slips within the\nsame billing period as the original charge and you do not pay the amount of the original charge with your\npayment for the billing period, FINANCE CHARGES will be incurred. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit against future purchases and cash advances, or refund it\non your written request if it is $1.00 or more, or automatically after 6 months.\nChange of Terms: This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advance, or other slips you sign or receive may contain different terms. You\nunderstand that we may amend, modify, add to, or delete from this Agreement any of its terms and\nconditions, including the method of application and the amount of periodic FINANCE CHARGE, effective as\nto any unpaid balance outstanding and any subsequent advance, by mailing a notice of the change to you at\nyour last known address. You also understand that any such notice will be mailed at least forty-five (45) days\nprior to the effective date of the change as required by Federal or other law. Notice of a change in terms is\nrequired, but may be sent as late as the effective date of the change where the change has been agreed to,\nin writing, by you. To the extent the law permits, and we indicate in our notice, amendments will apply to your\nexisting account balance as well as to future transactions.\nLiability for Unauthorized Use: Unless, based on substantial evidence, it is determined that you were\ngrossly negligent in the handling of the account or CARD, you will not be liable for unauthorized use resulting\nfrom the loss, theft, or other unauthorized use of the CARD, account number on the CARD, the PIN, or any\ncombination of the three.\nAutomatic Overdraft Authorization: You authorize us to clear any overdraft(s) on your checking and/or\nsavings accounts by an advance from your account, in the amount of the overdraft, or in such increments as\nwe may from time to time determine subject to the terms of this Agreement. If you are not eligible to receive\nadvances from us under this Agreement, your overdraft(s) may not be covered, your checks may be\nreturned and your savings and/or checking and/or this Account may be closed. Caution: You understand\nthat if your checking and/or savings accounts are held jointly, overdraft protection makes it possible for your\njoint user to write checks or otherwise access your account which could draw funds from your account(s).\n\n\x0cTerms Applicable to All Agreements\n\nYour Billing Rights\n\nIssuance of Personal Identification Number: A Personal Identification Number (PIN) to be used in\nconjunction with the Platinum MasterCard Credit Card for access to the MasterCard Global Network will be\nissued to you shortly after you receive your CARD. For other electronic fund transfers we will issue a PIN\nupon your request.\nElectronic Fund Transfer: In the event a use of your CARD or the account number on your CARD\nconstitutes an electronic fund transfer, the terms and conditions of your electronic fund transfer disclosure\nshall govern such transactions to the extent your electronic fund transfer disclosure expands or amends this\nAgreement. Your use of the CARD or the account number on your CARD is your authorization to us to\nwithdraw sufficient funds from your Platinum MasterCard Credit Card account to cover such transactions.\nMasterCard Agreement Rates and Terms: You acknowledge receipt of a copy of our Platinum\nMasterCard Agreement Rates and Terms, agree to pay such fees and charges, and authorize us to add any\nfees and charges to your Platinum MasterCard Credit Card account.\nSurrender of Card(s): The CARD(S) remain our property and, if we request, you must surrender to us all\nCARD(S) we have issued on your account.\nRefusal to Honor Card: Even though your MasterCard Credit Card limit may be sufficient to cover a required\nCARD withdrawal, you recognize that merchants, financial institutions, electronic terminals and others who\naccept the CARD or the account number on the CARD may not be liable for the refusal or the inability of such\npersons or terminals to honor the CARD or complete a CARD withdrawal, or for their retention of the CARD.\nLost or Stolen Card(s): If you believe the CARD, the account number, the PIN, or any combination of the\nthree has been lost or stolen, you will immediately call (866) 873-4968.\nForeign Transactions: Transactions made or processed in foreign countries will be billed to you in US\ndollars. Conversion to US dollars is determined by a rate selected by MasterCard from the range of rates\navailable in wholesale currency markets for the applicable central processing date, which rate may vary from\nthe rate MasterCard itself receives or the government mandated rate in effect for the applicable central\nprocessing date plus up to a 1 percent currency conversion fee. The currency conversion fee will appear as\na separate line on your statement for each transaction completed or processed in a foreign country.\nRight of Offset: You understand that the use of your card will constitute acknowledgement of receipt and\nagreement to the terms of the credit card agreement and disclosures. You grant us a security interest in all\nindividual and joint share and/or deposit accounts you have with us now and in the future to secure your\ncredit card account. When you are in default, you authorize us to apply the balance in these accounts to any\namounts due. Shares and deposits in an Individual Retirement Account, and any other account that would\nlose special tax treatment under state or federal law is given as security, are not subject to the security\ninterest you have given in your shares and deposits.\nPayable on Demand: You promise to pay us on demand for the amount of the CARD withdrawal that is\nhonored which cannot be paid through an advance on your Platinum MasterCard Credit Card account.\nCredit Information: You authorize us to investigate your credit standing when opening, renewing or\nreviewing your account, and you authorize us to disclose information regarding your account to credit\nbureaus and other creditors who inquire of us about your credit standing to the extent authorized by law.\nTermination: We may terminate this Agreement upon your default. Either you or we may terminate this\nAgreement for other good cause. In no event shall any termination relieve you of your obligation to repay sums\nalready borrowed, periodic FINANCE CHARGES, annual fee, collection costs and late charges, if any.\nTransaction Slips: Your monthly statement will identify the merchant, financial institution, or electronic terminal\nat which CARD withdrawals were made, but sales, cash advance, credit or other slips will not be returned with\nyour statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify your\nmonthly statement. We may make a reasonable charge for photocopies of slips you may request.\nDelay in Enforcement: We can delay enforcing any of our rights under this Agreement without losing them.\nGoverning Law: You understand and agree that this Agreement is made in California and shall be\ngoverned by the laws of the State of California to the extent that California law is not inconsistent with\ncontrolling Federal law. You also understand that California\xe2\x80\x99s choice of law rules shall not be applied if that\nwould result in the application of non-California law.\nIntegrated Document(s): Any separate sheet of paper labeled \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-inLending Act\xe2\x80\x9d which is delivered together with this form is an integrated part of this Agreement.\nChange of Name, Address, Employment Status: You understand and agree that you must report to us\nany change in your name, address or employment status.\nNotice: See the following section entitled Your Billing Rights for important information regarding your right to\ndispute billing errors.\nConsent to Agreement: You acknowledge receipt of this Platinum MasterCard Credit Card Agreement and\nFederal Truth-in-Lending Disclosure Statement by signing the application, by signing the CARD(S), by using\nthe CARD(S) or by authorizing another to use the CARD(S), and you agree to and accept its terms.\n\nThis notice contains important information about your rights and responsibilities under the Fair Credit Billing\nAct. Keep this notice for future reference.\nIn Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more\ninformation about a transaction on your bill, write us on a separate sheet at the address shown on your bill\nas soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which\nthe error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your\nletter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you need more\ninformation, describe the item you are unsure about.\nIf you have authorized us to pay your credit card bill automatically from your share or share draft account,\nyou can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us\n3 business days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice: We must acknowledge\nyour letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either\ncorrect the error or explain why we believe the bill was correct. After we receive your letter, we will not try to\ncollect any amount you question or report as delinquent and we may continue to bill you for the amount you\nquestion, including FINANCE CHARGES. We can apply any unpaid amount against your Credit Limit. You\ndo not have to pay any questioned amount while we are investigating; however, you are still obligated to pay\nthe portion of the bill that is not in question. If we find that we made a mistake on your bill, you will not have\nto pay any FINANCE CHARGES related to any questioned amount. If we did not make a mistake, you may\nhave to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned\namount. In either case, we will send you a statement of the amount you owe and the date that it is due. If\nyou fail to pay the amount that we think you owe, we may report you as delinquent. However, if our\nexplanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we\nmust tell anyone we report you to that you have a question about your bill. Additionally, we must tell you the\nname of anyone we reported you to. We must tell anyone we report you to that the matter has been settled\nbetween you and us once it is resolved.\nSpecial Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that\nyou purchased with a credit 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 good or services. There are two\nlimitations on this right:\n(a) You must have made the purchase in your home state or, if not within your home state, within 100\nmiles of your current mailing address; and\n(b) The purchase must be more than $50.00\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for\nthe goods or services.\n\nMasterCard Checks\nCheck Uses: You can use your MasterCard checks to purchase goods and services or to obtain cash\nadvances up to the amount of your credit limit. Use of your MasterCard checks is a cash advance on your\naccount and, as such, no grace period will apply.\nLimitations: We are not required to honor a check that will cause you to exceed your credit limit. We will not\npay a check if at the time the check is presented you are in default or your account has been terminated,\nsuspended or cancelled. Each check must be in the form that has been issued to you. Only the person\nwhose name is on the check may use checks. You are responsible for all authorized use of your\nMasterCard checks. You may not use your MasterCard checks to pay any amount owed on your Platinum\nMasterCard Credit Card account.\nReturned Check Fee: You will be charged a fee per returned check, which will be billed to your account, if\nyour check cannot be paid. This fee will be charged to your Platinum MasterCard Credit Card account and\nno grace period will apply. See Platinum MasterCard Agreement Rates and Terms for current fee amount.\nStop Payment: Payment cannot be stopped on MasterCard checks.\nChargebacks: Chargeback rights do not apply to MasterCard checks.\nSurrender of MasterCard Checks: MasterCard checks are the property of USE Credit Union. USE Credit\nUnion reserves the right to revoke them at any time. You agree to return them at USE\xe2\x80\x99s request.\n\nMilitary Lending Act Disclosure\nFederal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). Please call 866.562.6639 to receive\ndisclosures by phone.\n\n866.873.4968 | usecu.org\n\xc2\xa9 Copyright 2017 USE Credit Union\n\nV11/1706634 (10/17)\n\n\x0c'


b'Interra Credit Union\n\nCREDIT CARD AGREEMENT\n\nPO Box 727\nGoshen, IN 46527-0727\n574-534-2506 \xe2\x80\xa2 888-432-2848\nFAX 574-534-0768\nwww.interracu.com\n\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 INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.\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 is\nyour principal residence or non-purchase money household goods.\n1. Using 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. Each of the\nundersigned applicants certifies under the pains and penalties of perjury that\nhe/she is at least eighteen (18) years of age, has read the foregoing\nAgreement, and jointly and severally agrees to abide by the foregoing terms\nand provisions.\n2. Personal Identification Number (PIN). We may 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.\n3. Authorized Users. Authorized users have no financial responsibility for this\naccount. You are responsible for all charges made by any appointed\nauthorized user(s). Authorized user(s) will have access to account information,\nhowever, they will not have the same rights or privileges as you. Authorized\nusers may not: (a) add, edit, or remove account signers; (b) make\namendments or changes to the credit card account, including, but not limited\nto, closing the account or making changes to credit limits; (c) request new or\nreplacement cards, PINs, or statements; or (d) request balance transfers.\nAuthorized user(s) agree that we may report this account to the credit bureaus\non their behalf.\n4. Promise To Pay. You promise to pay us in U.S. dollars for (a) all\npurchases, cash advances, and balance transfers made by you or anyone\nwhom you authorize to use the Card; (b) all Interest Charges and all other\ncharges or fees; (c) collection costs and attorney\'s fees as permitted by\napplicable law, and any costs incurred in the recovery of the Card; and (d)\ncredit in excess of your credit limit that we may extend to you.\n5. Illegal Transactions. You agree that your Card and account will not be\nused to make or facilitate any illegal transactions as determined by applicable\nlaw; and that any such use will constitute an event of default under this\nAgreement. We may decline any transaction that we believe to be illegal\nunder applicable law, including but not limited to any transaction involving or\nrelating to any gambling activity. You agree that we will have no liability or\nresponsibility for any such use by you or any authorized user(s); or for\ndeclining any such transaction. You further agree to indemnify and hold us\nharmless from any suits, liability, damages or adverse action of any kind that\nresults directly or indirectly from such illegal use. You promise to pay us any\nand all amounts owing on your Card for any transactions made by you, even if\nthe transaction is determined to be illegal.\n9011 LASER FPDF FI1000724 2-2019\n\n6. Joint Accounts. Each of you will be responsible, jointly and severally, for\nthe repayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n7. Others 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 someone\nelse is authorized to use your account and you want to end that erson\'s\nprivilege, you must notify us in writing, and if he or she has a Card, you must\nreturn that Card with your written notice for it to be effective.\n8. Ownership 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.\n9. Interest Charges. You agree to pay interest at the rate(s) disclosed to you\nat the 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, balance\ntransfers or other advances, and subtract any payments, unpaid interest\ncharges, and unpaid late charges. This gives us the daily balance. Then, we\nadd up all the daily balances for the billing cycle and divide that by the number\nof days in the billing cycle. We then multiply that by the periodic rate\ncorresponding to the Annual Percentage Rate on your account. If you have\ndifferent rates for purchases, cash advances or balance transfers, separate\naverage daily balances for each will be calculated and the appropriate periodic\nrate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. therwise, the new balance of\nyour account, 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.\n10. Fees. 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.\n11. If 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 (800) 449-7728. You agree to follow up your call\nwith notice in writing to us at: P.O. Box 727, Goshen, IN 46527-0727. You also\nagree to assist 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 have no liability for MasterCard transactions not\nauthorized by you, provided that you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming aware of\nsuch loss or theft, you promptly report the loss or theft to us.\n12. Minimum Payment Due; Crediting of Payments. We will mail you a\nstatement or provide one to you electronically via e-mail in any month in which\nthe Card has a debit or credit balance in excess of $1.00. Every month you\nmust pay at least the Minimum Payment within 25 days of your statement\nclosing date. You may, of course, pay more frequently, pay more than the\nMinimum Payment, or pay the Total New Balance in full, and you will reduce\nthe FINANCE CHARGE by doing so. The Minimum Payment will be either (a)\n2% of your Total New Balance, or $25.00, whichever is greater, or (b) your\nTotal New Balance if it is less than $25.00 plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains unpaid. In addition, at\nany time your Total New Balance exceeds your Credit Line, you must\nimmediately pay the excess upon demand. We will apply your minimum\npayments first to any fees; then to any credit insurance charges; then to any\n\npage 1 of 3\n\nCOPYRIGHT 2005 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 INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.\n\nFINANCE CHARGES; then to previously billed cash advances; then to\npreviously billed purchases; then to new cash advances; and then to new\npurchases. Payment amounts, over or above the required minimum payment,\nwill be applied to the balances with the highest annual percentage rate.\n13. Default; Acceleration; Credit Suspension; Collection Costs. You will\nbe in default if: (1) you fail to make any payment on time; (2) if you fail to keep\nany promises you have made under this Agreement or under other\nAgreements you have with us; (3) if you die; (4) if you file a petition in\nbankruptcy or have a bankruptcy petition filed against you, or if you become\ninvolved in any insolvency, receivership or custodial proceeding; (5) if anyone\nattempts to take any of your funds held by us via legal process or if you have\na judgment or tax lien filed against you; (6) if you make any false, inaccurate,\nor misleading statements in any credit application or credit update; or (7) if\nwe, in good faith, believe that your ability to repay what you owe is or soon\nwill be impaired 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.\n14. Suspension 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.\n15. Additional Benefits/Card Enhancements. We may from time to time\noffer additional 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.\n16. Convenience Checks. We may, at our discretion, issue checks to you\nwhich may be used for any purpose other than making a payment for credit to\nyour account. 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.\n17. Credit Information. We may from time to time request personal\ninformation from you or obtain credit reports from the credit reporting\nagencies for the purpose of updating your credit status. Your failure to provide\nsuch information when requested by us may result in suspension of credit\nprivileges under this Agreement, including your ability to obtain any future\nadvances by any means. You authorize us to investigate your credit standing\nwhen opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureaus and creditors who\ninquire about your credit standing.\n18. Foreign Transactions; Currency Conversion. Purchases and 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).\n19. Termination; 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.\n\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.\n21. Enforcement. We do not lose our rights under this or any related\nagreement if we delay enforcing them. If any provision of this or any related\nagreement is determined to be unenforceable or invalid, all other provisions\nremain in full force and effect.\n22. Returns and Adjustments. Merchants and others who honor the Card\nmay give 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 or automatically after 6 months.\n23. Plan Merchant Disputes. We are not responsible for the refusal of any\nplan merchant or financial institution to honor your Card. Also, we are not\nesponsible 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.\n24. Statements and Notices. Statements and notices will be mailed to you at\nthe most recent postal address or e-mail address (if you have elected to\nreceive such documents via electronic means) you have given us. Notice sent\nto any one of you will be considered notice to all.\n25. Notification of Address Change. You will notify us promptly if you\nchange your address for any reason. In order to prevent identity theft, your\nidentity may need to be verified before we act upon the notification. The\nCredit Union may revoke your card and terminate this Agreement if you\nrelocate to another state. We can revoke your Card if you move to a state\nwhere the Credit Union must be registered.\n26. Copy Received. You acknowledge that you have received a copy of this\nAgreement.\n27. Governing Law. This Agreement shall be construed under federal law\nand state law in the state in which we are primarily located, and the venue\nshall be located in the county and state in which we are primarily located.\nOperating regulations of MasterCard may also apply. This Agreement is the\ncontract that applies to all transactions even though the sales, cash advance,\nconvenience check, credit or other slips you sign or receive may contain\ndifferent terms.\n28. NOTICE 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.\n29. Debt Protection. If you elect debt protection offered by the Credit Union,\nthen the charges will be added to your account balance each billing cycle.\nDebt protection offered by the Credit Union is voluntary and is not required to\nobtain a credit card account with us. You have the right to terminate debt\nprotection offered by the Credit Union at any time by notifying us in writing.\n30. Rewards, Incentives, Promotions. The Credit Union reserves the right\nto terminate the programs or portions thereof at any time without restriction or\npenalty. This means that regardless of your level of activity in the program, the\nability to accumulate points or claim rewards can be terminated with or\nwithout prior notice. The redemption value of points already accumulated,\nmay be changed at any time without notice and without restriction or penalty.\nThe Credit Union also reserves the right to cancel any cardholders prior\nearned points, rewards, cash/merchandise back or any other item of value if\nyou are in default as stated in the Default; Acceleration; Credit Suspension;\nCollection Costs paragraph above. Awards are not available when a\ncardholder is in default under the credit card agreement. Any points or awards\nare earned only with purchases. Cash advance transactions are not eligible\ntowards earning points or any award/reward.\n31. Correction of Errors and Omissions. You agree to fully cooperate in\ncorrecting any errors in the Application or Agreement that we request within\nthe first 30 days after the account is opened, if we believe such corrections\nare necessary or desirable. We will bear all costs of preparing any documents\nnecessary for such corrections.\n\n20. Late 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 to\nmake the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\n9011 LASER FPDF FI1000724 2-2019\n\npage 2 of 3\n\nCOPYRIGHT 2005 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\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1.\n\nNOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-888-432-2848 during our normal business hours: 8:30 am - 5:00 pm EST M-F and Saturday 8:30 am - 12:00 pm EST.\n\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\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto 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\nsums in the Secured Account or any 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\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou 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\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong 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\nyou want to 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\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\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\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\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\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER FPDF FI1000724 2-2019\n\npage 3 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'