b'Visa Platinum Preferred Credit Card\nAccount Disclosures\n\n17151 Chesterfield Airport Rd.\nChesterfield, MO 63005\nPH: 636-728-3333\nTF: 800-767-8880\nfirstcommunity.com\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR)\nfor Purchases, Balance\nTransfers and Cash Advances\n\n11.90%\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge any interest on the portion of the purchases balance that you pay by the\ndue date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\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.consumemrfinance.gov/learnmore.\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction Fee\n\n1% of the US dollar amount of the foreign transaction\nThis fee applies to any credit card transaction where the merchant country is\ndifferent from the country of the card issuer, regardless of whether a currency\nconversion is performed and even if you initiate the transaction from within the\nUnited States.\n\nPenalty Fees\n\xef\x82\xb7\n\nLate Payment Fee\n\n\xef\x82\xb7\n\nReturned Payment Fee\n\nUp to $10.00\nUp to $10.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCredit Card Account Agreement\nPeriodic Rate: The periodic rate that corresponds to the APR shown above is: 0.0326%.\nThese Account Disclosures for your Credit Card are part of and integrated with your Credit Card Agreement with First Community Credit Union. We reserve the right to amend the Credit Card Agreement as permitted by law.\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nCC Acct\xe2\x80\xa2 07-01-21 1\n\n\x0cCredit Card\nAccount Agreement\nYou grant us a security interest in all your shares and deposits, present and future, and all accounts (except Individual Retirement Accounts and Keogh Accounts) with the Credit Union\nto secure your Account and agree, upon default, the Credit\nUnion may apply all that is secured to pay any amounts due\nunder this Agreement, without further notice to you.\nThis Credit Card Account Agreement ("Agreement") and the Account Disclosures ("Account Disclosure") given to you when you\nopened your Card account ("Account") will govern your Credit\nCard and Account issued by First Community Credit Union\n("Credit Union"). In this Agreement, the words "you," "your,"\n"yours," "applicant," and "Borrower" mean any person who signs\nthe application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card.\nThe words "we," "us," "our," and "Credit Union" mean First Community Credit Union. The word "Card" means any one or more\ncredit cards issued under this Account. If you sign an application\nfor this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted\nthis Agreement just as if you and they signed it, and you and\nthey, jointly and severally, will be bound by the following\nterms and conditions which will govern this Account.\n1. You Promise to Pay\nYou promise to pay us all amounts, plus any Interest Charges,\nwhich arise from use of the Card or Account by you or any other\nperson, and to be jointly and severally liable with such a person,\nunless such other person does not have actual, implied, or apparent authority for such use, and you received no benefit from\nthe use. You promise to pay us either by check or other form of\ndirect payment or by automatic transfers from shares or by payroll\ndeduction.\n2. Account Access\na. Purchases, Cash Advances, and Balance Transfers\nYou must sign and activate the Card to use it. Once you have\nsigned the Card, you can use it to buy or lease goods, services,\nor insurance wherever the Card is honored, up to the full amount\nof your Credit Line. You may use your Account to get cash advances from us. You may also use your Card to get a cash advance from participating financial institutions and to access your\nline of credit at automatic teller machines ("ATMs") within participating networks ATMs.\nb. Convenience Checks\nIf we approve, you may obtain advances under your Account by\nwriting preprinted convenience loan checks that we supply to you.\nYour use of loan checks will be shown either as a purchase, cash\nadvance, or balance transfer on your monthly statement. We may\nnot honor your loan check if: your check is post-dated; payment of\nthe check would exceed your Credit Line; a check is signed by\nperson without authorized access; the amount of the check is less\nthan the minimum required amount; your Account has been terminated or suspended, or any drafts have been reported lost or\nstolen. You may stop payment on a loan check if you provide us\nwith the exact information describing the check. If you give us incorrect information, we will not be responsible for failing to stop\npayment. You understand there may be a charge for each stop\npayment order requested. Our liability for a wrongful dishonor is\nlimited to your actual charges; however, a dishonor for the reasons stated above is not a wrongful dishonor. Only the person\nwhose name is printed on a convenience check may sign it. All\nconvenience checks must be written in U.S. dollars. We will not\ncertify a convenience check. You may write these checks for any\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\n17151 Chesterfield Airport Rd.\nChesterfield, MO 63005\nPH: 636-728-3333\nTF: 800-767-8880\nfirstcommunity.com\n\namount providing your total outstanding balance does not exceed\nyour available Credit Line and your credit card remains in good\nstanding. We are entitled to return it unpaid if there is not enough\navailable credit on your Account to pay it, if you are in default under this Agreement, if your card or convenience checks have\nbeen reported lost or stolen, or if the convenience check is postdated. A convenience check may not be used to make a payment\non your credit card account or any other loan account you have\nwith us. The Credit Union shall have no liability for any convenience check returned in excess of your Credit Line.\n3. Credit Line\nIf we approve your application, this Agreement will constitute a\nrevolving line of credit for an amount which will be the Credit Line\nunder your Account. We will advise you of the amount of your\nCredit Line. That amount will be the maximum amount you may\nhave outstanding at any one time. You agree not to attempt to\nobtain more credit than the amount of your Credit Line. However,\nif you temporarily exceed your Credit Line, you agree to repay the\nexcess immediately, even if we have not yet billed you. Obtaining\nsuch credit does not increase your Credit Line. We retain the right\nto increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be\nshown on your monthly statement or by separate notice together\nwith any changes in the applicable Minimum Monthly Payments.\nYour eligibility for this Credit Line is determined by our loan policy\nand may be terminated at our sole discretion, without demand or\nnotice. You may close your Credit Line at any time by notifying us\nin writing and returning all Cards cut in half. If you terminate this\nAgreement or if we terminate or suspend your credit privileges,\nthe provisions of this Agreement and your liability hereunder shall\notherwise remain in full force and effect until you have paid us all\nsums due us under this Agreement and returned all Cards.\n4. Minimum Monthly Payment\nWe will mail you a statement every month if your Account has a\nbalance. You agree that you will pay each month not less than the\nminimum monthly payment on or before the closing date. The minimum monthly payment will be the greater of $10 or 2.0% of your\noutstanding balance shown on your statement ("New Balance"). If\nyour outstanding balance is less than $10, you agree to pay the\nbalance in full. In addition to the minimum monthly payment, you\nagree to pay any "Overlimit Amount" and any amount past due\nshown on your statement each month by the due date shown on\nyour Statement. You may pay in full for all your purchases and\ncash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or\nchecks, drafts, or money orders marked "payment in full" without\nprejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of\nfees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union\'s discretion to pay\noff lower rate balances, such as promotional offers, before higher\nrate balances, such as cash advances or purchases. Payments in\nexcess of the minimum monthly payment will be allocated first to\nhigher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose\nto skip that payment, Interest Charges will continue to accrue in\naccordance with this Agreement. Payments received at: P.O. Box\n1030, Chesterfield, MO 63006-1030, on or before 5:00 PM Central\nTime on any business day will be credited to your Account as of\nthat date; payments received by mail at that address after 5:00 PM\nCentral Time or on a weekend will be posted to your Account as of\nthe next business day.\nCC Acct\xe2\x80\xa2 07-01-21 2\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\n5.\nSecurity Interest\nBy signing your application, to secure your Account, you grant us\na purchase money security interest under the Missouri Uniform\nCommercial Code in any goods you purchase through your Account. If you default, we will have the right to recover any of these\ngoods that have not been paid for through application of your\npayments in the manner described in Section 4. In addition, you\ngrant us a security interest in all your shares and deposits, present and future, and all accounts (except Individual Retirement\nAccounts and Keogh Accounts) with the Credit Union to secure\nyour Account and agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further notice to you. You further agree that collateral securing other loans with the Credit Union (except loans\nsecured by real property) also secures this Account.\n6. Periodic Statements\nEach month, if your outstanding balance exceeds $1, we will send\nyou a statement showing new purchases, cash advances, payments, and credits made to your Account during the billing period,\nyour Previous Balance, your "Total New Balance," any Interest\nCharge, and any other charges. Your statement also will identify\nthe remaining Credit Line available and the Minimum Monthly\nPayment you must make for that billing period and the date it is\ndue. For statement verification purposes, you agree to retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify\nus of a billing error as described below, you accept your monthly\nstatement as an accurate statement of your Account with us.\n7. Circumstances Under Which an Interest Charge\nWill Be Imposed\nThe total outstanding balance of purchases, balance transfers,\nand cash advances in the Account on the closing date of a billing\nperiod, including any Interest Charge, will be shown on the Periodic Statement for that billing period as the "New Balance."\na. Cash Advances and Balance Transfers\nWe begin charging an Interest Charge on cash advances and\nbalance transfers from the date of each transaction. There is no\ntime period within which to pay to avoid a periodic Interest Charge\non cash advances or balance transfers.\nb. Purchases\nYour due date is at least 25 days after the close of each billing period. An Interest Charge will be imposed on the portion of purchases included in the New Balance that is not paid by the due date.\nInterest Charges will not be imposed on purchases posted during a\nbilling cycle if your balance was zero (or a credit balance) at the\nend of the previous billing cycle, or if you paid the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on your last periodic statement by its due date. This\n"grace period" allows you to avoid an Interest Charge on purchases\nfor a billing period. However, if you do not pay the New Balance for\npurchases within the grace period, your Interest Charge will accrue\non any unpaid purchase transactions from the first day of the billing\nperiod in which the payment is due and on new purchase transactions from the date of the transaction.\n8. Method Used to Determine the Balance on\nWhich the Interest Charge May Be Computed\nand Amount of Interest Charge\nThe Credit Union figures the Interest Charge on your Account by\nmultiplying the "Average Daily Balance" of purchases, balance\ntransfers, and cash advances for your Account (including current\ntransactions) by the Daily Periodic Rate and multiplying that\namount by the number of days in the billing cycle. To get the "Average Daily Balance" we take the beginning balance of your Account each day, add any new purchases or cash advances, and\nsubtract any payments or credits, unpaid Interest Charge and unpaid late charges. This gives us the daily balance. Then, we add\nup all the daily balances for the billing period and divide the total\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nby the number of days in the billing period. This gives us the "Average Daily Balance." To get the "Daily Periodic Rate," we divide\nthe Annual Percentage Rate in effect for the billing period by 365.\n9. Periodic Rate and Corresponding Annual\nPercentage Rate\na. Standard Rates\nThe Periodic Rate and corresponding Annual Percentage Rate(s)\nused to compute the Interest Charge are set forth in the Account\nDisclosure that accompanies, and is a part of, this Agreement.\nThe Annual Percentage Rate is divided by 365 to obtain the Daily\nPeriodic Rate.\nb. Introductory or Promotional Rates\nAt our discretion, we may offer you an introductory or promotional\nAnnual Percentage Rate for your Account. Any introductory or\npromotional Annual Percentage Rate will be subject to the terms\nof the offer and this Agreement. We will provide you with information on the offer, including the time period the introductory or\npromotional Annual Percentage Rate is in effect in the Account\nDisclosure or in other materials that we send to you about the offer after you receive your Credit Card.\n10. Conditions under Which Other Charges May\nBe Imposed\nYou agree to pay the following fees and charges on your Account.\nAll fees and charges will be added to your purchase balance and\nwill accrue interest charges at the same rate that applies to your\npurchase balance.\na. Balance Transfer Fee\nYou will pay a fee of $10 or 4.0% of the amount of the balance\ntransfer, whichever is greater.\nb. Late Fee\nIf any payment is not made on or before 14 days after its due\ndate, you will pay a late fee. If your minimum payment is $25.00\nor less, the fee will equal 5.0% of the payment amount. If your\nminimum payment is more than $25.00, the fee will equal the\nlesser of $10 or 5.00% of the payment amount.\nc. Returned Item Fee\nIf any check, draft, or electronic payment we receive from you as\npayment for any amount you owe to us is returned to us unpaid,\nyou agree to pay a returned item fee of $10 (or the amount of the\npayment, whichever is less).\nd. Rush Fee\nIf you ask and we agree to deliver your card by an expedited\nmethod, you will pay a fee of $20.\ne. International/Foreign Transaction Fee\nYou will be charged a Foreign Transaction Fee (FINANCE\nCHARGE) of up to 1% of the transaction amount (in U.S. dollars)\nfor all foreign transactions, including purchases, cash advances\nand credits to your account. A foreign transaction includes any\ntransaction where the merchant country is different from the country of the card issuer, regardless of whether a currency conversion is performed. This includes any transaction made in a foreign\ncurrency or made in U.S. dollars if the transaction is made or processed outside of the U.S. For example, if you make an online\ntransaction in the U.S. with a merchant who processes the transaction in a foreign country, you will be assessed a Foreign Transaction Fee. All fees are calculated based on the transaction\namount after it is converted to U.S. dollars.\nf. Copy Fee\nYou will pay $2.50 for each copy of a statement or other document.\ng. Attorney\'s Fees and Costs\nIf you default on any part of this Agreement, you agree to pay us\nall costs to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees\non any appeal and fees for bankruptcy proceedings, appeals, and\n\nCC Acct \xe2\x80\xa2 07-01-21 3\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\nany post-judgment collection services, if applicable. These fees\nand costs may be added to your Account balance and will bear\ninterest at the Annual Percentage Rate in effect at that time.\n11. Conditions of Card Use\nThe use of your Card and Account are subject to the following conditions:\na. Use\nYour Card and Account may be used only for valid and lawful\npurposes. You may not use your Card (i) to make Purchases or\nobtain Cash Advances for any illegal transaction, or (ii) for any\ninternet or online gambling transactions. If you use your Card for\nany illegal or prohibited transaction, this Agreement also applies\nto such transaction and you agree to pay any and all amounts related to such transaction pursuant to the terms of this Agreement.\nWe may, at our sole discretion and without warning, restrict the\nuse of or terminate your Card if we notice excessive use of your\nCard or other suspicious activities or if we reasonably believe the\nCard is or has been used for one or more illegal or prohibited\ntransactions.\nb. Ownership of Cards\nAny Card or other credit instrument or device which we supply to\nyou is our property and must be returned to us, or to any person\nwhom we authorize to act as our agent, or to any person who is\nauthorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time in our sole discretion without demand or notice. You cannot transfer your Card\nor Account to another person.\nc. Honoring the Card\nWe may decline to honor any transaction for any reason. Neither\nwe nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit\ninstrument or device we supply to you. If a merchant agrees to\ngive you a refund or adjustment, you agree to accept a credit to\nyour Account in lieu of a cash refund.\nd. Currency Conversion\n1) Visa. Transactions that are initiated in foreign countries or foreign currencies will be billed to you in U.S. dollars. The exchange\nrate between the transaction currency and the billing currency\nused for processing international transactions is a rate selected\nby Visa from a range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives or the governmentmandated rate in effect for the applicable central processing date.\nThe exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or\ncardholder statement posting date.\n2) MasterCard. Transactions that are initiated in foreign countries\nor foreign currencies will be billed to you in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S.\ndollars is either a government-mandated exchange rate or a\nwholesale exchange rate and is selected by MasterCard. The rate\nMasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed. This rate may differ from the rate applicable on\nthe date the transaction occurred or was posted to your account.\ne. Notices and Payments\nAll notices will be sent to your address as shown in the application. You agree to advise us promptly in writing if you change your\nmailing address. All payments should be mailed to us at the remittance address shown on your monthly statements. Payments received at that address will be credited to your Account as of the\ndate received. Written notices and inquiries to us must be sent to:\nFirst Community Credit Union\nP.O. Box 1030\nChesterfield, MO 63006-1030\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nf. Personal Identification Number\nIf we issue you a Personal Identification Number ("PIN") for use\nwith your Card in accessing your line of credit at ATMs, these\nnumbers are issued to you for your security purposes. These\nnumbers are confidential and should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not\nto disclose or otherwise make available your PIN to anyone not\nauthorized to sign on your Account. To keep your Account secure, please do not write your PIN on your Card or keep it in the\nsame place as your Card.\n12. Loan Protection\nLoan Protection coverage is not required for any extension of\ncredit under this Agreement. However, you may purchase any\nloan protection available through us and have the monthly fee\nadded to your outstanding balance as purchases. If you elect to\ndo so, we will give you the necessary disclosures and documents\nseparately.\n13. Default\nYou will be in default under this Agreement if any of the following\noccur: (a) Any Minimum Monthly Payment is not made when due;\n(b) You become insolvent, bankrupt, or you die; (c) You violate\nany part of this Agreement, or any other agreement with us; or (d)\nIf we reasonably deem ourselves insecure with respect to your\nAccount. Upon default, we may declare the entire unpaid balance\nimmediately due and payable, and you agree to pay that amount\nplus any attorney\'s fees and costs as set forth in Section 10\nabove, including fees and costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under this Agreement\nwithout losing that right or any other right. We will notify you in\nwriting of any such action as soon as practical if it occurs.\n14. Governing Law\nThis Agreement will not take effect until it is approved by us. This\nAgreement shall be governed by the laws of the State of Missouri.\n15. Severability\nIf any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect.\n16. Loss or Theft of Card\nYou agree to notify us immediately of the loss, or the theft, or the\nuse without your permission, of any Card or other credit instrument or device which we supply to you. You may be liable for the\nunauthorized use of your card. You will not be liable for unauthorized use which occurs after you notify: First Community Credit\nUnion, P.O. Box 1030, Chesterfield, MO 63006-1030, Telephone:\n(800) 610-0791, orally or in writing of loss, theft, or possible unauthorized use. In any case, your liability shall not exceed $50.\n17. Credit Information/Financial Statements\nYou authorize us to release information to others (e.g., credit bureaus, merchants, and other financial institutions) regarding the\nstatus and history of your Credit Line. You agree to provide us, at\nany time we deem necessary, with a current financial statement\nand/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency.\n18. Amendments\nWe reserve the right to change any terms or conditions of this\nAgreement at any time, to the extent permitted by applicable law.\nWe will notify you of the changes to this Agreement as required by\nlaw.\n19. Billing Errors Notice, Your Credit Card\nBilling Rights.\nKeep this document for future use. This notice tells you about your\nrights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find A Mistake On Your Statement. If you think\nthere is an error on your statement, write to us at: First Community Credit Union, P.O. Box 1030, Chesterfield, MO 63006-1030.\nIn your letter, give us the following information:\nCC Acct \xe2\x80\xa2 07-01-21 4\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When we receive\nyour letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your 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\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question or report you\nas delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent 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\nmust let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do\nnot 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. If you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To use this\nright, all of the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed 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\nnot pay, we may report you as delinquent.\n20. Acknowledgment\nYou understand and agree to the terms and conditions in this\nAgreement and the Fair Credit Billing Notice. You acknowledge that\nyou have received a copy of this Agreement, the Account Disclosure, and the Fair Credit Billing Notice. This Agreement is a final\nexpression of the agreement between you and the Credit Union.\n\nCC Acct \xe2\x80\xa2 07-01-21 5\n\n\x0c'


b'Visa Platinum Credit Card\nAccount Disclosures\n\n17151 Chesterfield Airport Rd.\nChesterfield, MO 63005\nPH: 636-728-3333\nTF: 800-767-8880\nfirstcommunity.com\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR)\nfor Purchases, Balance\nTransfers and Cash Advances\n\n7.90%\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge any interest on the portion of the purchases balance that you pay by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction Fee\n\n1% of the US dollar amount of the foreign transaction\nThis fee applies to any credit card transaction where the merchant country is\ndifferent from the country of the card issuer, regardless of whether a currency\nconversion is performed and even if you initiate the transaction from within the\nUnited States.\n\nPenalty Fees\n\xef\x82\xb7 Late Payment Fee\n\xef\x82\xb7 Returned Payment Fee\n\nUp to $10.00\nUp to $10.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCredit Card Account Agreement\nPeriodic Rate: The periodic rate that corresponds to the APR shown above is: 0.0216%.\nThese Account Disclosures for your Credit Card are part of and integrated with your Credit Card Agreement with First Community\nCredit Union. We reserve the right to amend the Credit Card Agreement as permitted by law.\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nCC Acct\xe2\x80\xa2 07-01-21 1\n\n\x0cVisa Platinum Credit Card\nAccount Agreement\nYou grant us a security interest in all your shares and deposits,\npresent and future, and all accounts (except Individual Retirement Accounts and Keogh Accounts) with the Credit Union to\nsecure your Account and agree, upon default, the Credit Union\nmay apply all that is secured to pay any amounts due under this\nAgreement, without further notice to you.\nThis Credit Card Account Agreement ("Agreement") and the Account Disclosures ("Account Disclosure") given to you when you\nopened your Card account ("Account") will govern your Credit Card\nand Account issued by First Community Credit Union ("Credit Union"). In this Agreement, the words "you," "your," "yours," "applicant,"\nand "Borrower" mean any person who signs the application for this\nAccount, any joint obligor, guarantor, authorized user, or the person\nwhose name is embossed on the Card. The words "we," "us," "our,"\nand "Credit Union" mean First Community Credit Union. The word\n"Card" means any one or more credit cards issued under this Account. If you sign an application for this Account or sign or use\nany Card or PIN, or allow others to use the Card or PIN, you and\nthey will have accepted this Agreement just as if you and they\nsigned it, and you and they, jointly and severally, will be bound\nby the following terms and conditions which will govern this\nAccount.\n1. You Promise to Pay\nYou promise to pay us all amounts, plus any Interest Charges,\nwhich arise from use of the Card or Account by you or any other\nperson, and to be jointly and severally liable with such a person,\nunless such other person does not have actual, implied, or apparent authority for such use, and you received no benefit from the\nuse. You promise to pay us either by check or other form of direct\npayment or by automatic transfers from shares or by payroll deduction.\n2. Account Access\na. Purchases, Cash Advances, and Balance Transfers\nYou must sign and activate the Card to use it. Once you have\nsigned the Card, you can use it to buy or lease goods, services, or\ninsurance wherever the Card is honored, up to the full amount of\nyour Credit Line. You may use your Account to get cash advances\nfrom us. You may also use your Card to get a cash advance from\nparticipating financial institutions and to access your line of credit\nat automatic teller machines ("ATMs") within participating networks\nATMs.\nb. Convenience Checks\nIf we approve, you may obtain advances under your Account by\nwriting preprinted convenience loan checks that we supply to you.\nYour use of loan checks will be shown either as a purchase, cash\nadvance, or balance transfer on your monthly statement. We may\nnot honor your loan check if: your check is post-dated; payment of\nthe check would exceed your Credit Line; a check is signed by person without authorized access; the amount of the check is less than\nthe minimum required amount; your Account has been terminated\nor suspended, or any drafts have been reported lost or stolen. You\nmay stop payment on a loan check if you provide us with the exact\ninformation describing the check. If you give us incorrect information, we will not be responsible for failing to stop payment. You\nunderstand there may be a charge for each stop payment order\nrequested. Our liability for a wrongful dishonor is limited to your\nactual charges; however, a dishonor for the reasons stated above\nis not a wrongful dishonor. Only the person whose name is printed\non a convenience check may sign it. All convenience checks must\nbe written in U.S. dollars. We will not certify a convenience check.\nYou may write these checks for any amount providing your total\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\n17151 Chesterfield Airport Rd.\nChesterfield, MO 63005\nPH: 636-728-3333\nTF: 800-767-8880\nfirstcommunity.com\n\noutstanding balance does not exceed your available Credit Line\nand your credit card remains in good standing. We are entitled to\nreturn it unpaid if there is not enough available credit on your Account to pay it, if you are in default under this Agreement, if your\ncard or convenience checks have been reported lost or stolen, or\nif the convenience check is post-dated. A convenience check may\nnot be used to make a payment on your credit card account or any\nother loan account you have with us. The Credit Union shall have\nno liability for any convenience check returned in excess of your\nCredit Line.\n3. Credit Line\nIf we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be the Credit Line\nunder your Account. We will advise you of the amount of your\nCredit Line. That amount will be the maximum amount you may\nhave outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line. However, if\nyou temporarily exceed your Credit Line, you agree to repay the\nexcess immediately, even if we have not yet billed you. Obtaining\nsuch credit does not increase your Credit Line. We retain the right\nto increase or decrease your Credit Line at any time. Any increase\nor reduction in the amount of your Credit Line will be shown on your\nmonthly statement or by separate notice together with any changes\nin the applicable Minimum Monthly Payments. Your eligibility for\nthis Credit Line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may\nclose your Credit Line at any time by notifying us in writing and\nreturning all Cards cut in half. If you terminate this Agreement or if\nwe terminate or suspend your credit privileges, the provisions of\nthis Agreement and your liability hereunder shall otherwise remain\nin full force and effect until you have paid us all sums due us under\nthis Agreement and returned all Cards.\n4. Minimum Monthly Payment\nWe will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the closing date. The minimum\nmonthly payment will be the greater of $10 or 2.0% of your outstanding balance shown on your statement ("New Balance"). If your outstanding balance is less than $10, you agree to pay the balance in\nfull. In addition to the minimum monthly payment, you agree to pay\nany "Overlimit Amount" and any amount past due shown on your\nstatement each month by the due date shown on your Statement.\nYou may pay in full for all your purchases and cash advances each\nmonth, or you may repay in monthly installments. We can accept late\npayments or partial payments, or checks, drafts, or money orders\nmarked "payment in full" without prejudice to our rights under this\nAgreement, which are hereby explicitly reserved. A credit posting\nfrom a merchant or reversal of fees does not constitute a minimum\npayment. The minimum monthly payment may be allocated at the\nCredit Union\'s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances\nor purchases. Payments in excess of the minimum monthly payment\nwill be allocated first to higher rate balances, as applicable. From\ntime to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will\ncontinue to accrue in accordance with this Agreement. Payments received at: P.O. Box 1030, Chesterfield, MO 63006-1030, on or before 5:00 PM Central Time on any business day will be credited to\nyour Account as of that date; payments received by mail at that address after 5:00 PM Central Time or on a weekend will be posted to\nyour Account as of the next business day.\n\nCC Acct\xe2\x80\xa2 07-01-21 2\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\n5.\nSecurity Interest\nBy signing your application, to secure your Account, you grant us\na purchase money security interest under the Missouri Uniform\nCommercial Code in any goods you purchase through your Account. If you default, we will have the right to recover any of these\ngoods that have not been paid for through application of your payments in the manner described in Section 4. In addition, you grant\nus a security interest in all your shares and deposits, present and\nfuture, and all accounts (except Individual Retirement Accounts\nand Keogh Accounts) with the Credit Union to secure your Account\nand agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further notice to you. You further agree that collateral securing\nother loans with the Credit Union (except loans secured by real\nproperty) also secures this Account.\n6. Periodic Statements\nEach month, if your outstanding balance exceeds $1, we will send\nyou a statement showing new purchases, cash advances, payments, and credits made to your Account during the billing period,\nyour Previous Balance, your "Total New Balance," any Interest\nCharge, and any other charges. Your statement also will identify\nthe remaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is due.\nFor statement verification purposes, you agree to retain copies of\ntransaction slips resulting from each purchase, each advance, and\nother transaction on your Account. Unless you notify us of a billing\nerror as described below, you accept your monthly statement as\nan accurate statement of your Account with us.\n7. Circumstances Under Which an Interest Charge\nWill Be Imposed\nThe total outstanding balance of purchases, balance transfers, and\ncash advances in the Account on the closing date of a billing period, including any Interest Charge, will be shown on the Periodic\nStatement for that billing period as the "New Balance."\na. Cash Advances and Balance Transfers\nWe begin charging an Interest Charge on cash advances and balance transfers from the date of each transaction. There is no time\nperiod within which to pay to avoid a periodic Interest Charge on\ncash advances or balance transfers.\nb. Purchases\nYour due date is at least 25 days after the close of each billing period.\nAn Interest Charge will be imposed on the portion of purchases included in the New Balance that is not paid by the due date. Interest\nCharges will not be imposed on purchases posted during a billing\ncycle if your balance was zero (or a credit balance) at the end of the\nprevious billing cycle, or if you paid the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d shown\non your last periodic statement by its due date. This "grace period"\nallows you to avoid an Interest Charge on purchases for a billing period. However, if you do not pay the New Balance for purchases\nwithin the grace period, your Interest Charge will accrue on any unpaid purchase transactions from the first day of the billing period in\nwhich the payment is due and on new purchase transactions from\nthe date of the transaction.\n8. Method Used to Determine the Balance on\nWhich the Interest Charge May Be Computed\nand Amount of Interest Charge\nThe Credit Union figures the Interest Charge on your Account by\nmultiplying the "Average Daily Balance" of purchases, balance\ntransfers, and cash advances for your Account (including current\ntransactions) by the Daily Periodic Rate and multiplying that\namount by the number of days in the billing cycle. To get the "Average Daily Balance" we take the beginning balance of your Account each day, add any new purchases or cash advances, and\nsubtract any payments or credits, unpaid Interest Charge and unpaid late charges. This gives us the daily balance. Then, we add\nup all the daily balances for the billing period and divide the total\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nby the number of days in the billing period. This gives us the "Average Daily Balance." To get the "Daily Periodic Rate," we divide\nthe Annual Percentage Rate in effect for the billing period by 365.\n9. Periodic Rate and Corresponding Annual\nPercentage Rate\na. Standard Rates\nThe Periodic Rate and corresponding Annual Percentage Rate(s)\nused to compute the Interest Charge are set forth in the Account\nDisclosure that accompanies, and is a part of, this Agreement. The\nAnnual Percentage Rate is divided by 365 to obtain the Daily Periodic Rate.\nb. Introductory or Promotional Rates\nAt our discretion, we may offer you an introductory or promotional\nAnnual Percentage Rate for your Account. Any introductory or promotional Annual Percentage Rate will be subject to the terms of\nthe offer and this Agreement. We will provide you with information\non the offer, including the time period the introductory or promotional Annual Percentage Rate is in effect in the Account Disclosure or in other materials that we send to you about the offer after\nyou receive your Credit Card.\n10. Conditions under Which Other Charges May\nBe Imposed\nYou agree to pay the following fees and charges on your Account.\nAll fees and charges will be added to your purchase balance and\nwill accrue interest charges at the same rate that applies to your\npurchase balance.\na. Balance Transfer Fee\nYou will pay a fee of $10 or 4.0% of the amount of the balance\ntransfer, whichever is greater.\nb. Late Fee\nIf any payment is not made on or before 14 days after its due date,\nyou will pay a late fee. If your minimum payment is $25.00 or less,\nthe fee will equal 5.0% of the payment amount. If your minimum\npayment is more than $25.00, the fee will equal the lesser of $10\nor 5.00% of the payment amount.\nc. Returned Item Fee\nIf any check, draft, or electronic payment we receive from you as\npayment for any amount you owe to us is returned to us unpaid,\nyou agree to pay a returned item fee of $10 (or the amount of the\npayment, whichever is less).\nd. Rush Fee\nIf you ask and we agree to deliver your card by an expedited\nmethod, you will pay a fee of $20.\ne. International/Foreign Transaction Fee\nYou will be charged a Foreign Transaction Fee (FINANCE\nCHARGE) of up to 1% of the transaction amount (in U.S. dollars)\nfor all foreign transactions, including purchases, cash advances\nand credits to your account. A foreign transaction includes any\ntransaction where the merchant country is different from the country of the card issuer, regardless of whether a currency conversion\nis performed. This includes any transaction made in a foreign currency or made in U.S. dollars if the transaction is made or processed outside of the U.S. For example, if you make an online\ntransaction in the U.S. with a merchant who processes the transaction in a foreign country, you will be assessed a Foreign Transaction Fee. All fees are calculated based on the transaction amount\nafter it is converted to U.S. dollars.\nf. Copy Fee\nYou will pay $2.50 for each copy of a statement or other document.\ng. Attorney\'s Fees and Costs\nIf you default on any part of this Agreement, you agree to pay us\nall costs to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on\nany appeal and fees for bankruptcy proceedings, appeals, and any\npost-judgment collection services, if applicable. These fees and\n\nCC Acct\xe2\x80\xa2 07-01-21 3\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\ncosts may be added to your Account balance and will bear interest\nat the Annual Percentage Rate in effect at that time.\n11. Conditions of Card Use\nThe use of your Card and Account are subject to the following conditions:\na. Use\nYour Card and Account may be used only for valid and lawful purposes. You may not use your Card (i) to make Purchases or obtain\nCash Advances for any illegal transaction, or (ii) for any internet or\nonline gambling transactions. If you use your Card for any illegal or\nprohibited transaction, this Agreement also applies to such transaction and you agree to pay any and all amounts related to such\ntransaction pursuant to the terms of this Agreement. We may, at\nour sole discretion and without warning, restrict the use of or terminate your Card if we notice excessive use of your Card or other\nsuspicious activities or if we reasonably believe the Card is or has\nbeen used for one or more illegal or prohibited transactions.\nb. Ownership of Cards\nAny Card or other credit instrument or device which we supply to\nyou is our property and must be returned to us, or to any person\nwhom we authorize to act as our agent, or to any person who is\nauthorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time in our sole discretion without demand or notice. You cannot transfer your Card or\nAccount to another person.\nc. Honoring the Card\nWe may decline to honor any transaction for any reason. Neither\nwe nor merchants authorized to honor the Card will be responsible\nfor the failure or refusal to honor the Card or any other credit instrument or device we supply to you. If a merchant agrees to give you\na refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nd. Currency Conversion\n1) Visa. Transactions that are initiated in foreign countries or foreign currencies will be billed to you in U.S. dollars. The exchange\nrate between the transaction currency and the billing currency used\nfor processing international transactions is a rate selected by Visa\nfrom a range of rates available in wholesale currency markets for\nthe applicable central processing date, which rate may vary from\nthe rate Visa itself receives or the government-mandated rate in\neffect for the applicable central processing date. The exchange\nrate used on the processing date may differ from the rate that would\nhave been used on the purchase date or cardholder statement\nposting date.\n2) MasterCard. Transactions that are initiated in foreign countries\nor foreign currencies will be billed to you in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S.\ndollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date\nthe transaction occurred or was posted to your account.\ne. Notices and Payments\nAll notices will be sent to your address as shown in the application.\nYou agree to advise us promptly in writing if you change your mailing address. All payments should be mailed to us at the remittance\naddress shown on your monthly statements. Payments received at\nthat address will be credited to your Account as of the date received. Written notices and inquiries to us must be sent to:\nFirst Community Credit Union\nP.O. Box 1030\nChesterfield, MO 63006-1030\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nf. Personal Identification Number\nIf we issue you a Personal Identification Number ("PIN") for use\nwith your Card in accessing your line of credit at ATMs, these numbers are issued to you for your security purposes. These numbers\nare confidential and should not be disclosed to third parties. You\nare responsible for safekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Account. To keep your Account secure, please\ndo not write your PIN on your Card or keep it in the same place as\nyour Card.\n12. Loan Protection\nLoan Protection coverage is not required for any extension of credit\nunder this Agreement. However, you may purchase any loan protection available through us and have the monthly fee added to\nyour outstanding balance as purchases. If you elect to do so, we\nwill give you the necessary disclosures and documents separately.\n13. Default\nYou will be in default under this Agreement if any of the following\noccur: (a) Any Minimum Monthly Payment is not made when due;\n(b) You become insolvent, bankrupt, or you die; (c) You violate any\npart of this Agreement, or any other agreement with us; or (d) If we\nreasonably deem ourselves insecure with respect to your Account.\nUpon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any\nattorney\'s fees and costs as set forth in Section 10 above, including\nfees and costs in any appeal or bankruptcy proceeding. We can\ndelay enforcing any right under this Agreement without losing that\nright or any other right. We will notify you in writing of any such\naction as soon as practical if it occurs.\n14. Governing Law\nThis Agreement will not take effect until it is approved by us. This\nAgreement shall be governed by the laws of the State of Missouri.\n15. Severability\nIf any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect.\n16. Loss or Theft of Card\nYou agree to notify us immediately of the loss, or the theft, or the\nuse without your permission, of any Card or other credit instrument\nor device which we supply to you. You may be liable for the unauthorized use of your card. You will not be liable for unauthorized\nuse which occurs after you notify: First Community Credit Union,\nP.O. Box 1030, Chesterfield, MO 63006-1030, Telephone: (800)\n610-0791, orally or in writing of loss, theft, or possible unauthorized\nuse. In any case, your liability shall not exceed $50.\n17. Credit Information/Financial Statements\nYou authorize us to release information to others (e.g., credit bureaus, merchants, and other financial institutions) regarding the\nstatus and history of your Credit Line. You agree to provide us, at\nany time we deem necessary, with a current financial statement\nand/or updated credit information upon request. We may investigate your credit directly or through a credit reporting agency.\n18. Amendments\nWe reserve the right to change any terms or conditions of this\nAgreement at any time, to the extent permitted by applicable law.\nWe will notify you of the changes to this Agreement as required by\nlaw.\n19. Billing Errors Notice, Your Credit Card\nBilling Rights.\nKeep this document for future use. This notice tells you about your\nrights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find A Mistake On Your Statement. If you think\nthere is an error on your statement, write to us at: First Community\nCredit Union, P.O. Box 1030, Chesterfield, MO 63006-1030. In\nyour letter, give us the following information:\n\nCC Acct\xe2\x80\xa2 07-01-21 4\n\n\x0cFirst Community Credit Union \xef\x82\x9f Credit Card Account Agreement\n\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When we receive\nyour letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question or report you\nas delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\n\n\xc2\xa9 2021 Farleigh Wada Witt. All rights reserved.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between\nus. If we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases.\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase. To use this right, all\nof the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat 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\nthe purchase, contact us in writing at the above address. While we\ninvestigate, the same rules apply to the disputed amount as discussed 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\npay, we may report you as delinquent.\n20. Acknowledgment\nYou understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing Notice. You acknowledge that you\nhave received a copy of this Agreement, the Account Disclosure, and\nthe Fair Credit Billing Notice. This Agreement is a final expression of\nthe agreement between you and the Credit Union.\n\nCC Acct\xe2\x80\xa2 07-01-21 5\n\n\x0c'


b'General Electric Credit Union\n\nThe Classic Card Terms & Conditions\n\nIn these Terms and Conditions, the word Card means a single Visa\xc2\xae card or two or more Visa cards and any renewal or any substitutes used for the\nCard. The words You, Your, and Yours mean the applicant(s) and anyone else the applicant(s) permits to use the Card. The words We, Us, and Ours\nmean General Electric Credit Union (GECU).\n1. Transactions. You can Use Your Card to buy or lease goods or services (\xe2\x80\x9cPurchases\xe2\x80\x9d) wherever the Card is honored and to get instant cash loans\nand make other cash transactions (\xe2\x80\x9cCash Advances\xe2\x80\x9d) from any financial institution or automatic teller machine (card only) that accepts the Card.\nYou will owe Us for all Purchases and Cash Advances charged by Use of the Card, plus any other charges to Your Card Account made under the\nterms of this Agreement (\xe2\x80\x9cDebits\xe2\x80\x9d), plus any FINANCE CHARGES, all payable in U.S. dollars and as required by these Terms and Conditions.\n2. Credit Line. Your Credit Line is listed on the documents accompanying Your Card. Your Credit Line may be changed and Your latest Credit Line will\nbe listed on Your monthly billing statement.\n3. Statements and Payments. If You have a balance on Your Account, We will send You a monthly statement that will show separately\nYour Purchases/ Debits, any Cash Advances, FINANCE CHARGES, if any, the minimum payment due, and the date the payment is due.\nMinimum Payment - You may pay all or a part of your Account balance at any time. You must pay at least the Minimum Payment Due by the\npayment due date each Billing Period. Your Minimum Payment Due equals:\n\xe2\x80\xa2 Any amount past due; plus\n\xe2\x80\xa2 The greater of:\n\xc2\xbb\xc2\xbb The New Balance, if it\xe2\x80\x99s less than $25;\n\xc2\xbb\xc2\xbb $25 if the New Balance is at least $25;\n\xc2\xbb\xc2\xbb 1.5% of the New Balance.\nThe Minimum Payment Due is never more than the New Balance.\n4. ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances. The ANNUAL PERCENTAGE RATE may vary (increase or\ndecrease) on a quarterly basis. The rate is determined by adding Our margin to the Prime Rate as published in The Wall Street Journal effective for\nthe first day of January, April, July, and October of every year. The new rate shall be effective beginning with the FINANCE CHARGE calculation on\nthe following month\xe2\x80\x99s statement and will apply to new Purchases, Balance Transfers, and Cash Advances, and to the outstanding balance of Your\nAccount. The monthly periodic rate will be determined by dividing the ANNUAL PERCENTAGE RATE by twelve. Your initial ANNUAL PERCENTAGE\nRATE and corresponding monthly periodic rate is located within the \xe2\x80\x9cInterest Rate and Interest Charges\xe2\x80\x9d box of these Terms and Conditions. An\nincrease in the variable ANNUAL PERCENTAGE RATE means You will pay a higher FINANCE CHARGE and perhaps a higher minimum payment. The\nrate on Your card will not exceed 18% ANNUAL PERCENTAGE RATE.\n5. Introductory ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers. 0% Introductory Annual Percentage Rate on Purchases and\nBalance Transfers for the first 12 months on purchases and balance transfers made in the first 60-days after the account is opened. Existing GECU\ncredit card/loan balances are not eligible for the introductory ANNUAL PERCENTAGE RATE. After the Introductory Period, the APR will adjust to\nthe current APR for purchases and balance transfers. Your initial ANNUAL PERCENTAGE RATE and corresponding monthly periodic rate is located\nwithin the \xe2\x80\x9cInterest Rate and Interest Charges\xe2\x80\x9d box of these Terms and Conditions.\n6. Penalty ANNUAL PERCENTAGE RATE. If Your minimum required payment is more than 60 days late at any time We may increase the ANNUAL\nPERCENTAGE RATE on Your account to 18.00% (Monthly Periodic Rate 1.5%) and apply this increased 18.00% APR Penalty Rate to Your entire\naccount balance and to any new and future purchases and advances. Before We apply the Penalty APR to Your account, We will first provide You\nwith written notice of the increase at least 45 days prior to the effective date of the increase. If We apply the Penalty APR to Your account and You\nmake Your payments on time for the six (6) consecutive months following the effective date of the increase, without an account violation, Your\nANNUAL PERCENTAGE RATE (APR) will be lowered to the current card, non-penalty ANNUAL PERCENTAGE RATE.\n7. FINANCE CHARGES on Purchases/Debits. No FINANCE CHARGE will be imposed if the New Balance shown on Your billing statement is paid in full\nwithin 25 days of the Billing Date. If not paid in full, We figure the FINANCE CHARGE on Your account by applying the monthly periodic rate to the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d of the unpaid balance of Your account (including current transactions).\n8. FINANCE CHARGES on Cash Advances. The FINANCE CHARGE on Cash Advances begins to accrue on the date You obtain the Cash Advance or the\nfirst day of the billing cycle in which it is posted to Your account, whichever is later. We figure the FINANCE CHARGE on Your account by applying\nthe monthly periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Your account (including current transactions).\n9. Average Daily Balance. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is determined by dividing the sum of the daily balances during the billing cycle by the number\nof days in the cycle. Each daily balance of Credit Purchases (and, if applicable, Cash Advances) is determined by subtracting from the Previous\nBalance of Credit Purchases (and, if applicable, Cash Advances) any payments received and credits as posted to Your account, but excluding any\nunpaid FINANCE CHARGES. All fees except for the late charge shall be treated as purchases for the purpose of computing the Average Daily Balance.\n10. Annual Fee. None.\n11. Late, Returned Check, and Other Fees. You will be charged a late charge of $25.00 or the minimum payment amount (whichever is lesser) on\nYour next monthly statement if a minimum payment is not made within 55 days after the date of a monthly statement. If Your check is dishonored\nor if We must return Your check to You for any reason, We will charge Your Purchases/Debits Account a fee of $25.00. Account printouts $1.00.\nCurrent and previous year statement copy fee $2.00. Older statement copy fee $3.00. Overnight fee $35.00.\n12. Balance Transfer and Cash Advance Fees. There will be a fee of $3.00 or 2% of the amount, whichever is greater charged for each transfer or\nadvance.\n13. Default. You will be in default under this Agreement if any of the following events shall occur: (a) If You fail to comply with the minimum payment\nor any other terms or conditions of this Agreement or any other obligation You have or will have with Us (for late payment see also \xe2\x80\x9cPenalty APR\xe2\x80\x9d);\n(b) If You make false or misleading statements in any credit application or update of credit information; (c) If You should die or become insolvent;\n(d) If a petition should be filed or other proceedings should be started under the Federal Bankruptcy Code or any State insolvency statute by or\nagainst You; (e) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued against You or any of\nYour property, assets or income; or (f) If We should consider Yourself or any debts due under this Agreement unsafe or not completely secure of if\nWe should believe, in good faith, that the chances of Your paying or performing all of Your obligations under this Agreement have been impaired.\nIf You fail to fulfill the terms of this Agreement, a negative report reflecting on Your credit record may be submitted to a credit reporting agency.\nWe may ask for immediate payment of any amount owed if You are in default of any of the Terms and Conditions of this agreement.\n14. Lost or Stolen Cards. If Your Card is lost or stolen or if You are afraid someone may use it without Your permission, You must notify Us at once by\ntelephone at: 513.243.4328 or 800.542.7093. You may not use the Card or any other Cards in Your possession with the same card number after\nYou have notified Us, even if You get the Card back.\n15. Cancellation. You may cancel Your account at any time by notifying Us in writing and returning the card cut in half. We may cancel or suspend\nYour Card at any time without prior notice or reissue a different one at any time. If We ask, You will destroy the Card by cutting it in half and will\ngive it to Us or Our agent, or mail it to Us. If the Card is cancelled or suspended, You will pay Us the amount You owe as required by these Terms\nand Conditions.\n16. Liability. Each of the applicant(s) for the Card and co-signer(s) will be liable individually and jointly for all Purchases/Debits and Cash Advances\nmade with the Card, either by the Card applicant(s) or their authorized User(s).\n17. Liability for Unauthorized Use. You agree to promptly notify the Cardholder Services, telephone number: 513.243.4328 or 800.542.7093 in the\nevent You suspect any  unauthorized use of the card. You may be liable for the unauthorized use of Your Credit Card. You will not be liable for\nunauthorized use that occurs after You notify General Electric Credit Union at PO Box 31112, Tampa, FL 33631-3112, orally or in writing, of the\nloss, theft, or possible unauthorized use. In any case, Your liability will not exceed $0.00.\n\nM-125219\n\n\x0c18. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked with \xe2\x80\x9cPayment in Full\xe2\x80\x9d or similar\nlanguage without losing any of Our rights under this Agreement.\n19. Waiver. We won\xe2\x80\x99t be considered to have waived Our rights under this agreement if We delay or neglect to enforce them.\n20. Amendment. Subject to applicable state and federal laws and regulations and with such prior notice, if any, as may be required by laws or regulations,\nWe may change any Terms and Conditions at any time and such changes, at Our option, will apply to new Purchases/Debits and Cash Advances.\n21. Law. Your Account and these Terms and Conditions will be governed by the laws of the State of Ohio and applicable federal laws.\n22. Security Interest. You grant to Us a purchase money security interest under the Uniform Commercial Code in any goods You purchase through\nthe use of the account. If You default, We shall have the right to recover any of the goods which have not been paid for through the application of\nYour payments. Any collateral securing other loans currently with or hereafter arising with Us may also secure any amount due on this account.\n23. Statutory lien on Your account. If You are in default on a financial obligation to Us or fail to satisfy a financial obligation to Us, federal law permits\nUs to apply the balance of shares and dividends in Your account(s) at the time of default to satisfy Your obligation. Once You are in default, We\nmay exercise this right without further notice to You. If Your account is jointly owned, and the joint owner(s) is indebted to Us, We may use the\nbalance of shares and dividends in the account to pay the debt of the joint owner. This statutory lien does not apply to IRAs or other tax-deferred\nretirement accounts.\n24. Legal Activity. Any financial service provided by the Credit Union may be used for any transaction permitted by law. You agree that illegal use\nof any financial service will be deemed an action of default and/or breach of contract and such service and/or other related services may be\nterminated at the Credit Union\xe2\x80\x99s discretion. You further agree, should illegal use occur, to waive the right to sue the Credit Union for such illegal\nactivity directly or indirectly related to it. You also agree to indemnify and hold the Credit Union harmless from any suits or other legal action or\nliability, directly or indirectly, resulting from such illegal use.\n25. Foreign Transaction Fee. Purchase and cash advances made in foreign countries and foreign currencies will be billed to You in U.S. dollars. The\nconversion rate to U.S. dollars will be determined in accordance with the operating regulations established by Visa USA. Currently the currency\nconversion rate used to determine the transaction amount in U.S. dollars is either a government mandated rate or the wholesale market rate in\neffect one day prior to the transaction processing date, increased by one and a half percent. The currency conversion rate used on the processing\ndate may differ from the rate that would have been used on the purchase date or cardholder statement posting date.\n26. Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees\nfor specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nIf you would like an explanation of your payment obligation, please contact a Consumer Loan Officer at: 800.542.7093.\nYour Billing Rights-Keep This Notice for Future Use\nThis notice contains important information about Your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Bill\nIf You think Your bill is wrong, or if You need more information about a transaction on Your bill, write Us on a separate sheet at the address listed on\nYour bill. Write to Us as soon as possible. We must hear from You no later than 60 days after We sent You the first bill on which the error or problem\nappeared. You can telephone Us, but doing so will not preserve Your rights.\nIn Your letter, give Us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. Describe the error and explain, if You can, why You believe there is an error. If You need more information, describe the item You are not\nsure about.\nIf You have authorized Us to pay Your credit card bill automatically from Your savings or checking account, You can stop the payment on any amount\nYou think is wrong. To stop the payment Your letter must reach Us three business days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge Your letter within 30 days, unless We have corrected the error by then. Within 90 days, We must either correct the error\nor explain why We believe the bill was correct. After We receive Your letter, We cannot try to collect any amount You question, or report You as\ndelinquent. We can continue to bill You for the amount You question, including finance charges, and We can apply any unpaid amount against Your\ncredit limit. You do not have to pay any questioned amount while We are investigating, but You are still obligated to pay the parts of Your bill that are\nnot in question. If We find that We made a mistake on Your bill, You will not have to pay finance charges related to any questioned amount. If We\ndidn\xe2\x80\x99t make a mistake, You may have to pay finances charges, and You will have to make up any missed payments on the questioned amount. In either\ncase, We will send You a statement of the amount You owe and the date that it is due. If You fail to pay the amount that We think You owe, We may\nreport You as delinquent. However, if Our explanation does not satisfy You and You write to Us within ten days telling Us that You still refuse to pay,\nWe must tell anyone We report You to that You have a question about Your bill. And, We must tell You the name of anyone We reported You to. We\nmust tell anyone We report You to that the matter has been settled between Us when it finally is. If We don\xe2\x80\x99t follow these rules, We can\xe2\x80\x99t collect the\nfirst $50 of the questioned amount, even if Your bill was correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to correct the problem\nwith the merchant, You may have 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 current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if\nWe own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your\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 purchase, contact Us in writing at the address shown on Your statement. While\nWe investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At\nthat point, if We think You owe an amount and You do not pay, We may report You as delinquent.\nThe Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin,\nsex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant\xe2\x80\x99s income derives\nfrom any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal\nagency that administers compliance with this law concerning this creditor is the National Credit Union Administration, 7000 Central Parkway, Suite 1600,\nAtlanta, GA 30328. The Ohio, Kentucky, and Indiana Laws against discrimination require that all creditors make credit equally available to all credit worthy\ncustomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio, Kentucky, and Indiana Civil\nRights Commissions administer compliance with this law. California Residents: Applicants 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, You are hereby notified that a negative credit report\nreflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. New York and Vermont\nResidents: GECU may obtain at any time Your credit reports, for any legitimate purpose associated with the account or the application or request for an account,\nincluding but not limited to reviewing, modifying, renewing and collecting on Your account. On Your request, You will be informed if such a report was ordered.\nIf so, You will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State\nBanking Department (1-800-518-8866) for a comparative list of credit card rates, fees and grace periods. Married Wisconsin Residents: No provision of any\nmarital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor\xe2\x80\x99s interests unless prior to the time\ncredit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision.\n\n\x0cINTEREST RATE AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for the first 12 months on purchases made in the first 60\ndays, after the account is opened.\n\n8.74% 14.74%\n\nAfter that, Your APR will be\nto\nAPR for The Classic card,\nwhen You open Your account, based on Your credit worthiness. This APR will vary\nwith the market based on the Prime Rate.\nAPR for Balance\nTransfers\n\n0.00% Introductory APR for the first 12 months on balance transfers made in the\nfirst 60 days, after the account is opened.\nAfter that, Your APR will be 8.74% to 14.74% APR for The Classic card,\nwhen You open Your account, based on Your credit worthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n8.74% to 14.74% APR for The Classic card, when You open Your account,\nbased on Your credit worthiness. This APR will vary with the market based on the\nPrime Rate.\n\nPenalty APR and When\nit Applies\n\n18.00% APR\n\nThis APR may be applied to Your account if Your minimum required payment is more\nthan 60 days late at any time. Before We apply the Penalty APR to Your Visa account,\nWe will first provide You with written notice of the increase at least 45 days prior to\nthe effective date of the increase.\nHow long will the penalty APR apply? If We apply the Penalty APR to Your Visa\nAccount and You make Your payments on time for the six (6) consecutive months\nfollowing the effective date of the increase, without an account violation, Your APR\nwill be lowered to the current card\xe2\x80\x99s non-penalty APR.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nYou any interest on purchases if You pay Your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest\nCharge\n\nIf You are charged Interest, the charge will be no less than $0.00.\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, visit\nthe website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fees\n\nNone.\n\nTransaction Fees\nBalance Transfer\n\nEither $3 or 2% of the amount of each transfer, whichever is greater.\n\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturned Payment\n\nEither $3 or 2% of the amount of each cash advance, whichever is greater.\n1.5% of each transaction in U.S. dollars.\n$25.00 or the minimum payment amount (whichever is lesser) if a minimum\npayment is not made within 55 days after the date of a monthly statement.\n$25.00\n\nHow We Will Calculate Your Balance: We use the method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d\nSee Your Terms and Conditions for more details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nTerms and Conditions.\nLoss of Introductory APR: We may end Your introductory APR and apply the Penalty APR if You make a late payment.\nThe information about the costs of the card described in this application is accurate as of April 1, 2018. It may have\nchanged after that date. To find out about what may have changed, call: 513.243.4328 or 800.542.7093 or write:\nGeneral Electric Credit Union, 10485 Reading Road, Cincinnati, Ohio  45241, Attn: EFT Department.\n\nCO/AB 3/18\n\n\x0c'