b'Visa Credit Card Account\nAgreement and Disclosures\nThis Visa Credit Card Account Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the Account Disclosures (\xe2\x80\x9cAccount Disclosure\xe2\x80\x9d) given to you when you opened your Card account (\xe2\x80\x9cAccount\xe2\x80\x9d) will govern your Visa Platinum, Gold, Classic, or Secured Credit Card and\nAccount issued by Denali Federal Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d). In this Agreement,\nthe words "you," "your," "yours," "applicant," and "Borrower" mean any person who\nsigns the application for this Account, any joint obligor, guarantor, authorized user, or\nthe person whose name is embossed on the Card. The words "we," "us," "our," and\n"Credit Union" mean Denali Federal Credit Union. The word "Card" means any one\nor more credit cards issued under this Account. If you sign an application for this\nAccount or sign or use any Card or PIN, or allow others to use the Card or PIN, you\nand they will have accepted this Agreement just as if you and they signed it, and you\nand they, jointly and severally, will be bound by the following terms and conditions\nwhich will govern this Account.\n1. You Promise to Pay\nYou promise to pay us all amounts, plus any Interest Charges, which arise from use\nof the Card or Account by you or any other person, and to be jointly and severally\nliable with such a person, unless such other person does not have actual, implied, or\napparent authority for such use, and you received no benefit from the use. You\npromise to pay us either by direct payment or by automatic transfers from shares or\nby payroll deduction.\n2. Account Access\nYou must sign the Card to use it. Once you have signed the Card, you can use it to\nbuy or lease goods, services, or insurance wherever the Card is honored, up to the\nfull amount of your 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 participating financial institutions and to access your line of credit at automatic teller machines\n(\xe2\x80\x9cATMs\xe2\x80\x9d) within the VISA network or any other ATMs.\n3. Credit Line\nIf we approve your application, this Agreement will constitute a revolving line of credit\nfor an amount which will be the Credit Line under your Account. We will advise you of\nthe amount of your Credit 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\nthe amount of your Credit Line. However, if you temporarily exceed your Credit Line,\nyou agree to repay the excess immediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the right to increase or\ndecrease your Credit Line at any time. Any increase or reduction in the amount of your\nCredit Line will be shown on your monthly statement or by separate notice together with\nany changes in the applicable Minimum Monthly Payments. Your eligibility for this\nCredit Line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your Credit Line at any time by notifying\nus in writing and returning all Cards cut in half. If you terminate this Agreement or if we\nterminate or suspend your credit privileges, the provisions of this Agreement and your\nliability hereunder shall otherwise remain in full force and effect until you have paid us\nall sums 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 balance. You agree\nthat you will pay each month not less than the minimum monthly payment on or before\nthe closing date. The minimum monthly payment will be 3.0% of your outstanding\nbalance shown on your statement (\xe2\x80\x9cNew Balance\xe2\x80\x9d), or $20, whichever is greater. If\nyour outstanding balance is less than $20, you agree to pay the balance in full. In\naddition to the minimum monthly payment, you agree to pay any \xe2\x80\x9cOverlimit Amount\xe2\x80\x9d\nand any amount past due shown on your statement each month by the due date\nshown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late\npayments or partial payments, or checks, drafts, or money orders marked \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d without prejudice to our rights under this Agreement, which are hereby explicitly\nreserved. A credit posting from a merchant or reversal of fees does not constitute a\nminimum payment. Payments will be applied first to interest, then to purchase balances, then to cash advance and balance transfer balances, and finally to any other fees,\ncharges, or amounts owed. The minimum monthly payment may be allocated at the\nCredit Union\xe2\x80\x99s discretion to pay off lower rate balances, such as promotional offers,\nbefore higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances,\nas applicable. Payments received at: Denali Federal Credit Union, 440 E. 36TH Ave.,\nAnchorage, Alaska 99503, at one of our branches or via Online Banking at or before\n7:00 PM Alaska Time on any business day will be credited to your Account as of that\ndate; payments received by mail at the address above after 7:00 PM Alaska Time or\non a weekend will be posted to your Account as of the next business day.\n5. Security Interest\nBy signing your application, to secure your Account, you granted us a purchase money\nsecurity interest under the Alaska Uniform Commercial Code in any goods you purchase through your Account. If you default, we will have the right to recover any of\nthese goods that have not been paid for through application of your payments in the\nmanner described in Section 4. In addition, you granted us a security interest in all your\nshares and deposits, present and future, and all accounts (except Individual Retirement\nAccounts and Keogh Accounts) with the Credit Union to secure your Account and\nagree, upon default, the Credit Union may apply all that is secured to pay any amounts\ndue under this Agreement, without further notice to you. You further agree that collateral securing other loans with the Credit Union (except loans secured by real property)\n\xc2\xa9 2016 Farleigh Wada Witt. All rights reserved.\n\n440 E. 36th Avenue\nAnchorage, AK 99503\nPH: 907-257-7200, option 3\nTF: 800-764-1123, option 3\nwww.denalifcu.org\nalso secures this Account. If you have signed a separate security agreement, the Credit\nUnion will have a security interest on all funds in any Credit Union account in which you\nhave an ownership interest, regardless of the source of funds.\n6. Periodic Statements\nEach month, if your outstanding balance exceeds $1, we will send you a statement\nshowing new purchases, cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New Balance,"\nany Interest Charge, and any other charges. Your statement also will identify the\nremaining Credit Line available and the Minimum Monthly Payment you must make\nfor that billing period and the date it is due. For statement verification purposes, you\nagree to retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error\nas described below, you accept your monthly statement as an accurate statement of\nyour Account with us.\n7. Circumstances Under Which a Service Charge Will Be Imposed\nThe total outstanding balance of purchases, balance transfers, and cash advances\nin the Account on the closing date of a billing period, including any Interest Charge,\nwill be shown on the Periodic Statement for that billing period as the "New Balance."\na. Cash Advances and Balance Transfers. We begin charging interest on cash\nadvances and balance transfers from the date of each transaction. There is no\ntime period within which to pay to avoid paying interest on cash advances or\nbalance transfers.\nb. Purchases. Your 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\nBalance that is not paid by the due date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid\npaying interest on purchases for a billing period. If you do not pay the New Balance\nfor purchases within the grace period, interest will accrue on any unpaid purchase\ntransactions from the first day of the billing period in which the payment is due, and\non new purchase transactions from the date of the transaction.\n8. Method Used to Determine the Balance on Which the Interest\nCharge May Be Computed and Amount of Interest Charged\nThe Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of purchases, balance transfers, and cash advances for your\nAccount (including current transactions) by the Monthly Periodic Rate. To get the\n"Average Daily Balance" we take the beginning balance of your Account each day,\nadd any new purchases or cash advances, and subtract any payments or credits,\nunpaid Interest Charge and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing period and divide the total by\nthe number of days in the billing period. This gives us the "Average Daily Balance."\nTo get the \xe2\x80\x9cMonthly Periodic Rate,\xe2\x80\x9d we divide the Annual Percentage Rate in effect\nfor the billing period by 12.\n9. Periodic Rate and Corresponding Annual Percentage Rate.\na. Standard Rates. The periodic rate and corresponding Annual Percentage Rate\nfor your Account will vary based on an index, which is the highest Prime Rate\npublished in The Wall Street Journal (Western Edition). We add a margin to the\nindex. The total of the index plus the margin is the Annual Percentage Rate. The\namount of the margin may be based on your credit profile. The margin for your\nAccount, and the current periodic rate and corresponding Annual Percentage\nRate(s) used to compute the Interest Charge are disclosed to you in the Account\nDisclosure provided with this Agreement when you open your Account. The\nperiodic rate and Annual Percentage Rate may change on the first day of each\nbilling cycle based on the index rate published on the last business day of the\nprior billing cycle. The Annual Percentage Rate will not exceed 18.00%.\nb. Introductory Rates. At our discretion, we may offer you an introductory or\npromotional Annual Percentage Rate for your Account. Any introductory or\npromotional Annual Percentage Rate will be subject to the terms of the offer and\nthis Agreement. We will provide you with information on the offer, including the\ntime period the introductory or promotional Annual Percentage Rate is in effect in\nthe Account Disclosure or in other materials that we send to you about the offer\nafter you receive your Credit Card.\n10. Conditions Under Which Other Charges May Be Imposed\nYou agree to pay the following fees and charges on your Account:\na. Annual Fee. For share secured accounts, there is a $15 annual fee. There is no\nannual fee for other accounts.\nb. Late Fee. If we do not receive your full minimum payment on or before the due\ndate, you agree to pay a late fee of up to $15.\nc. Returned Item Fee. If any check or draft we receive from you as payment for\nany amount you owe to us is returned to us unpaid, you agree to pay a returned\nitem fee of up to $20.00.\nd. Card Replacement Fee. You agree to pay $5 for each replacement Card you\nrequest. If you request overnight delivery of a replacement card, you will pay a\nrush fee of $30 - $50 (depending on timing and your location).\ne. Photocopy Fee. You will pay $3 for each copy of a statement or sales draft you\nrequest unless the request relates to a billing error that we made.\nf. Research/Chargeback Fee. You will pay $15.00 for each request to research a\ncharge or chargeback or other issue on your account, unless the request relates\nto a billing error that we made.\n\nCredit Card Agreement #M-117483 \xe2\x96\xaa February 2016 \xe2\x96\xaa\n\n1\n\n\x0cDenali Federal Credit Union \xef\x82\x9f Visa Card Account Agreement and Disclosures\ng. PIN Change Fee. You will pay $5 each time you request a change to your PIN.\nh. Attorney\'s Fees and Costs. If you fail to make any payment when due or are\notherwise in default under any part of this Agreement, you agree to pay us all\ncosts to collect your Account, including court costs and reasonable attorney fees\nwhether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy\nproceedings, appeals, and any post-judgment collection services, if applicable.\nThese fees and 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:\n\n17. Credit Information/Financial Statements\nYou authorize us to release information to others (e.g., credit bureaus, merchants,\nand other financial institutions) regarding the status and history of your Credit Line.\nYou agree to provide us, at any time we deem necessary, with a current financial\nstatement and/or updated credit information upon request. We may investigate your\ncredit directly or through a credit reporting agency.\n\na. Use. Your Card and Account may be used only for valid and lawful\npurposes. You may not use your Card (i) to make Purchases or obtain Cash\nAdvances for any illegal transaction, or (ii) for any internet or online gambling\ntransactions. If you use your Card for any illegal or prohibited transaction, this\nAgreement also applies to such transaction and you agree to pay any and all\namounts related to such transaction pursuant to the terms of this Agreement. We\nmay, at our sole discretion and without warning, restrict the use of or terminate\nyour Card if we notice excessive use of your Card or other suspicious activities or\nif we reasonably believe the Card is or has been used for one or more illegal or\nprohibited transactions.\nb. Ownership of Cards. Any Card or other credit instrument or device which we\nsupply to you is our property and must be returned to us, or to any person whom\nwe authorize to act as our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be repossessed at\nany time in our sole discretion without demand or notice. You cannot transfer\nyour Card or Account to another person.\nc. Honoring the Card. We may decline to honor any transaction for any reason.\nNeither we nor merchants authorized to honor the Card will be responsible for\nthe failure or refusal to honor the Card or any other credit instrument or device\nwe supply to you. If a merchant agrees to give you a refund or adjustment, you\nagree to accept a credit to your Account in lieu of a cash refund.\nd. Currency Conversion/International Transaction Fee. Purchases and cash\nadvances made in foreign countries will be billed to you in U.S. dollars. The\ncurrency conversion rate for international transactions as established by VISA\nInternational, Inc. is a rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing date, which\nrate may vary from the rate VISA itself receives, or the government-mandated\nrate in effect for the applicable central processing date. In addition, you will be\ncharged an International Transaction Fee of up to 2% of the transaction amount\nfor any card transaction made in a foreign country.\ne. Notices and Payments. All notices will be sent to your address as shown in the\napplication. You agree to advise us promptly if you change your mailing address. All\npayments should be mailed to us at the remittance address shown on your monthly\nstatements. Payments received at that address will be credited to your Account as\nof the date received. Written notices and inquiries to us must be sent to: Card\nServices, Denali Federal Credit Union, 440 E. 36TH Ave., Anchorage, Alaska 99503.\nf. Personal Identification Number. If we issue you a Personal Identification\nNumber ("PIN") for use with your Card in accessing your line of credit at ATMs,\nthese numbers are issued to you for your security purposes. These numbers are\nconfidential and should not be disclosed to third parties. You are responsible for\nsafekeeping your PIN. You agree not to disclose or otherwise make available\nyour PIN to anyone not authorized to sign on your Account. To keep your\nAccount secure, please do not write your PIN on your Card or keep it in the same\nplace as your Card.\n12. Loan Protection\nLoan Protection coverage is not required for any extension of credit under this\nAgreement.\n\n19. Billing Errors Notice, Your Credit Card Billing Rights\nKeep this document for future use. This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\n\n13. Default\nYou will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is not made when due; (b) You become insolvent, bankrupt,\nor you die; (c) You violate any part of this Agreement, or any other agreement with\nus; or (d) If we reasonably 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 attorney\'s fees and costs we incur,\nincluding fees and costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under this Agreement without losing that right or any other right. We\nwill notify you in writing 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 Agreement shall\nbe governed by the laws of the State of Alaska.\n15. Severability\nIf any provision of this Agreement is held invalid, the remaining provisions that are\nseverable shall remain in effect.\n16. Loss or Theft of Card\nYou agree to notify us immediately of the loss, or the theft, or the use without your\npermission, of any Card or other credit instrument or device which we supply to\nyou. You may be liable for the unauthorized use of your card. You will not be liable for unauthorized use which occurs after you notify us in writing at Denali Federal Credit Union, 440 E. 36th Ave., Anchorage, Alaska 99503; or by phone at\n(907) 257-7200 of loss, theft, or possible unauthorized use. In any case, your liability shall not exceed $50.\n\n\xc2\xa9 2016 Farleigh Wada Witt. All rights reserved.\n\n18. Amendments\nWe reserve the right to change any terms or conditions of this Agreement at any\ntime, to the extent permitted by applicable law. We will notify you of the changes to\nthis Agreement as required by law.\n\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an\nerror on your statement, write to us at: Denali Federal Credit Union, 440 E. 36TH\nAve., Anchorage, Alaska 99503. In your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want\nto stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do,\nwe are not required to investigate any potential errors and you may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter. When we receive your letter, we\nmust do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain\nto you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report\nyou as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us. If we do\nnot follow all of the rules above, you do not have to pay the first $50 of the amount\nyou question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are\ndissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to 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 within 100 miles of\nyour current mailing address, and the purchase price must have been more than\n$50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at the above address. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. 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\nFair Credit Billing Notice. You acknowledge that you have received a copy of this\nAgreement, the Account Disclosure, and the Fair Credit Billing Notice. This Agreement is a final expression of the agreement between you and the Credit Union.\n\nCredit Card Agreement #M-117483 \xe2\x96\xaa February 2016 \xe2\x96\xaa\n\n2\n\n\x0c'


b'OREGON COMMUNITY CREDIT UNION VISA\nCREDIT CARD ACCOUNT AGREEMENT\nThis Visa\xc2\xae Credit Card Account Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the Account Disclosures (\xe2\x80\x9cAccount Disclosure\xe2\x80\x9d) given to you\nwhen you opened your Card account (\xe2\x80\x9cAccount\xe2\x80\x9d) will govern your Visa Credit Card and Account issued by Oregon\nCommunity Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d). In this Agreement, the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrower\xe2\x80\x9d\nmean any person who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person\nwhose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Oregon Community Credit\nUnion. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under this Account. If you sign an application for this\nAccount or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this\nAgreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following\nterms and conditions which will govern this Account.\n1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card\nor Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person\ndoes not have actual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to\npay us either by direct payment or by automatic transfers from shares.\n2. ACCOUNT ACCESS.\na. Purchases, Cash Advances, and Balance Transfers. You must sign the Card to use it. Once you have signed the\nCard, you can use it to buy or lease goods, services, or insurance wherever the Card is honored, up to the full amount of\nyour Credit Line. You may use your Account to get cash advances from us. You may also use your Card to get a cash\nadvance from participating financial institutions and to access your line of credit at automatic teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d)\nwithin the VISA network or any other ATMs.\nb.VISA Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted VISA\nconvenience loan checks that we supply to you. Your use of loan checks will be shown either as a purchase, cash\nadvance, or balance transfer on your monthly statement. We may not honor your loan check if: your check is post-dated;\npayment of the check would exceed your Credit Line; a check is signed by a person without authorized access; the\namount of the check is less than the minimum required amount; your Account has been terminated or suspended, or any\ndrafts have been reported lost or stolen. You may 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\npayment. You understand there may be a charge for each stop payment order requested. Our liability for a wrongful\ndishonor is limited to your actual charges; however, a dishonor for the reasons stated above is not a wrongful dishonor.\nOnly the person whose name is printed on a convenience check may sign it. All convenience checks must be written in\nU.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your total\noutstanding balance does not exceed your available Credit Line and your credit card remains in good standing. We are\nentitled to return it unpaid if there is not enough available credit on your Account to pay it, if you are in default under this\nAgreement, if your card or convenience checks have been reported lost or stolen, or if the convenience check is postdated. A VISA convenience check may not be used to make a payment on your VISA credit card account or any other\nloan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of\nyour Credit Line.\n3. CREDIT LINE. If we approve your application, this Agreement will constitute a revolving line of credit for an amount which\nwill be the Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the\nmaximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the\namount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess\nimmediately, even if we have not yet billed you. Obtaining such 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 with any changes in the applicable Minimum Monthly\nPayments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion,\nwithout demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in\nhalf. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement\nand your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this\nAgreement and returned all Cards.\n4. MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree\nthat you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum\nmonthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (\xe2\x80\x9cNew\nBalance\xe2\x80\x9d), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance\ncharges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum\nmonthly payment, you agree to pay any \xe2\x80\x9cOver limit Amount\xe2\x80\x9d and any amount past due shown on your statement each month\nby the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you\nmay repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders\nmarked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit\nposting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be\nPage 1 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\nRevised 08/1/2017 \xc2\xa92017 Farleigh Wada Witt\n\n\x0callocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances, such as promotional offers, before higher rate\nbalances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first\nto higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If\nyou choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments\nreceived at: Oregon Community Credit Union, Attn: Card Services, P.O. Box 84063, Columbus, GA 31908-4063, on or\nbefore 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail\nat that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.\n5. SECURITY INTEREST. By signing your application, to secure your Account, you grant us a purchase money security\ninterest under the Oregon Uniform Commercial Code in any goods you purchase through your Account. If you default, we\nwill have the right to recover any of these goods that have not been paid for through application of your payments in the\nmanner described in Section 4. In addition, you grant us a security interest in all your shares and deposits, present and\nfuture, and all accounts (except Individual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your\nAccount and agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this\nAgreement, without further notice to you. You further agree that collateral securing other loans with the Credit Union (except\nloans secured by real property) also secures this Account.\n6. PERIODIC STATEMENTS. Each month, if your outstanding balance exceeds $1, we will send you a statement showing\nnew purchases, cash advances, payments, and credits made to your Account during the billing period, your Previous\nBalance, your \xe2\x80\x9cTotal New Balance,\xe2\x80\x9d any Interest Charge, and any other charges. Your statement also will identify the\nremaining Credit Line available and the Minimum Monthly Payment 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\nadvance, and other transaction on your Account. Unless you notify us of a billing error as described below, you accept your\nmonthly statement as an accurate statement of your Account with us.\n7. VISA TRANSACTION ALERTS. If you are eligible, you may enroll in the Visa Purchase Alerts service by signing up at a\nVisa website. Your use of the Visa Purchase Alerts service will be governed by any terms and conditions provided by Visa at\nthe time of your enrollment.\n8. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED. The total outstanding balance of\npurchases, balance transfers, and cash advances in the Account on the closing date of a billing period, including any\nInterest Charge, will be shown on the Periodic Statement for that billing period as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na. Cash Advances and Balance Transfers. We begin charging an Interest Charge on cash advances and balance\ntransfers from the date of each transaction. There is no time period within which to pay to avoid a periodic Interest\nCharge on cash advances or balance transfers.\nb. Purchases. Your due date is at least 25 days after the close of each billing period. An Interest Charge will be imposed\non the portion of purchases included in the New Balance that is not paid by the due date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you\nto 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\nbilling period in which the payment is due.\n9. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND\nAMOUNT OF INTEREST CHARGE. The Credit Union figures the Interest Charge on your Account by multiplying the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases, balance transfers, and cash advances for your Account (including current\ntransactions) by the Daily Periodic Rate, and then we multiply the result by the number of days in the billing period. To get\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning balance of your Account each day, add any new purchases or cash\nadvances, and subtract any payments or credits, unpaid Interest Charge and unpaid fees. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing period and divide the total by the number of days in the billing period. This gives us the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d To get the \xe2\x80\x9cDaily\nPeriodic Rate,\xe2\x80\x9d we divide the Annual Percentage Rate in effect for the billing period by 365.\n10. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.\na. Standard Rates. The Periodic Rate and corresponding Annual Percentage Rate(s) used to compute the Interest Charge are variable and based on\nthe value of an index. The index in effect for each billing period shall be the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d of interest appearing in The Wall Street Journal\npublished on the last business day of the month preceding the first day of such billing period or, if The Wall Street Journal is not published on\nsuch date, the next day on with such Prime Rate is published. To determine the Annual Percentage Rate, we add a margin to the index. The amount\nof the margin depends on the type of account, your credit profile, and other factors we deem appropriate. The margin applicable to your account is\nprovided to you in your Account Disclosure. The Annual Percentage Rate is divided by 365 to obtain the Periodic Rate. The rate can change\nmonthly effective the first day of the billing cycle. Any increase or decrease in the Annual Percentage Rate will affect the number of monthly\npayments you may have to make. If the Wall Street Journal ceases publication or ceases to publish the Prime Rate, we reserve the right to use the\nPrime Rate published in any other newspaper of general circulation, or we may substitute a similar reference at our sole discretion.\nb. Introductory Rates. At our discretion, we may offer you an introductory or promotional Annual Percentage Rate for your Account. Any\nintroductory or promotional Annual Percentage Rate will be subject to the terms of the 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\nmaterials that we send to you about the offer after you receive your Credit Card.\nc. Military Lending Act. Federal law provides important protections to members of the armed forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the armed forces or their dependents may not exceed an\nannual percentage rate of 36%. This rate must include, as applicable to the particular credit transaction or account, the costs associated with credit\ninsurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee charged (other than certain\nPage 2 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\nRevised 08/1/2017 \xc2\xa92017 Farleigh Wada Witt\n\n\x0capplication fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card\naccount). If you would like to hear more about your rights under the Military Lending Act, please contact us at 844.333.6247.\n11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.\nYou agree to pay the following fees and charges on your Account.\na. Late Fee. If we do not receive your minimum payment on the due date, you agree to pay a late fee up to $25.\nb. Copying Fee. We may charge you $10 for each VISA draft copy you request for your Account. If the request relates to a billing error and we\ndetermine that a billing error was made, any photocopying charges will be refunded.\nc. Returned Item Fee. If any check or draft we receive from you as payment for any amount you owe to us is returned to us unpaid, you agree\nto pay a returned item fee of up to $25.\nd. ATM Fee. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by\nthe ATM operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your Account if you complete the\ntransaction.\ne. Cash Advance Fee. When you obtain a cash advance, you agree to pay a cash advance fee of either $10 or 3% of the amount of each cash\nadvance, whichever is greater, for each cash advance obtained. This cash advance fee is in addition to any ATM Fees that may apply.\nf. Balance Transfer Fee. When you obtain a balance transfer, you agree to pay a balance transfer fee of either $10 or 3% of the amount of\neach balance transfer amount, whichever is greater.\ng. Rush Card Fee. When you request that we send you a new or replacement Card on an expedited basis, you agree to pay a rush card fee of\n$30.\nh. Attorney\xe2\x80\x99s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including\ncourt costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, appeals, and\nany post-judgment collection services, if applicable. These fees and costs may be added to your Account balance and will bear interest at the Annual\nPercentage Rate in effect at that time.\n12. CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:\na. Use. Your Card and Account may be used only for valid and lawful purposes. You may not use your Card (i) to make Purchases or obtain Cash\nAdvances for any illegal transaction, or (ii) for any internet or online gambling transactions. If you use your Card for any illegal or prohibited transaction,\nthis Agreement also applies to such transaction and you agree to pay any and all amounts related to such transaction pursuant to the terms of this\nAgreement. We may, at our sole discretion and without warning, restrict the use of or terminate your Card if we notice excessive use of your Card or\nother suspicious activities or if we reasonably believe the Card is or has been used for one or more illegal or prohibited transactions.\nb.Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to\nany person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The\nCard may be repossessed at any time in our sole discretion without demand or notice. You cannot transfer your Card or Account to another\nperson.\nc. Honoring the Card. We may decline to honor any transaction for any reason. Neither we nor merchants authorized to honor the Card will be\nresponsible for 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 a\nrefund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nd. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to you.\nin U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a\nrate selected by VISA from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives, or the government- mandated rate in effect for\nthe applicable central processing date.\ne.Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us\npromptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on\nyour monthly statements. Payments received at that address will be credited to your Account as of the date received.\nWritten notices and inquiries to us must be sent to:\nOregon Community Credit Union Attn: Card Services\nP.O. Box 84063\nColumbus, GA 31908-4063\n855-755-6423\nf. Personal Identification Number. If we issue you a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card in\naccessing your line of credit at ATMs, these numbers are issued to you for your security purposes. These numbers are\nconfidential and should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not to\ndisclose or otherwise make available your PIN to anyone not authorized to sign on your Account. To keep your Account\nsecure, please do not write your PIN on your Card or keep it in the same place as your Card.\n13. LOAN PROTECTION. Loan Protection coverage is not required for any extension of credit under this Agreement.\nHowever, you may purchase any loan protection available through us and have the monthly fee added to your outstanding\nbalance as purchases. If you elect to do so, we will give you the necessary disclosures and documents separately.\n14. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is\nnot made when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other\nagreement with us; or (d) If we reasonably deem ourselves insecure with respect to your Account. Upon default, we may\ndeclare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any attorney\xe2\x80\x99s fees\nand costs we incur, including fees and costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under\nPage 3 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\nRevised 08/1/2017 \xc2\xa92017 Farleigh Wada Witt\n\n\x0cthis Agreement without losing that right or any other right. We will notify you in writing of any such action as soon as practical\nif it occurs.\n15. SUSPENSION OF EFT ACCESS OR SERVICE. If you are in breach of this Agreement or any other loan, account, or\nservice agreement with the Credit Union or we suspect fraudulent activity on your account, the Credit Union may without prior\nnotice restrict access to your accounts or suspend your electronic services or access devices, including ATM or debit cards\nand online or mobile banking services. Such restrictions may continue until you cure any breach condition or any fraud\ncondition is resolved.\n16. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by\nthe laws of the State of Oregon.\n17. SEVERABILITY. If any provision of this Agreement is held invalid, the remaining provisions that are severable shall\nremain in effect.\n18. LOSS OR THEFT OF CARD. You agree to notify us immediately of the loss, or the theft, or the use without your\npermission, of any Card or other credit instrument or device which we supply to you. You may be liable for the unauthorized\nuse of your card. You will not be liable for unauthorized use which occurs after you notify: Oregon Community Credit Union,\nAttn: Card Services, P.O. Box 84032, Columbus, GA 31908-4032, Telephone: 855-755-6423, orally or in writing of loss,\ntheft, or possible unauthorized use. In any case, your liability shall not exceed $50.\n19. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit\nbureaus, merchants, and other financial institutions) regarding the status and history of your Credit Line. You agree to\nprovide us, at any time we deem necessary, with a current financial statement and/or updated credit information upon\nrequest. We may investigate your credit directly or through a credit reporting agency.\n20. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent\npermitted by applicable law. We will notify you of the changes to this Agreement as required by law.\n21. BILLING ERRORS NOTICE, YOUR CREDIT CARD BILLING RIGHTS. Keep this document for future use. This notice\ntells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at: Oregon\nCommunity Credit Union, Attn: Card Services, P.O. Box 84032, Columbus, GA 31908- 4032. In your letter, give us the\nfollowing information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nPage 4 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\nRevised 08/1/2017 \xc2\xa92017 Farleigh Wada Witt\n\n\x0cmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases. If you are dissatisfied with the goods or services that\nyou have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n22. ACKNOWLEDGMENT. You understand and agree to the terms and conditions in this Agreement and the Fair Credit\nBilling Notice. You acknowledge that you have received a copy of this Agreement, the Account Disclosure, and the Fair\nCredit Billing Notice. This Agreement is a final expression of the agreement between you and the Credit Union.\n\nPage 5 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE\nRevised 08/1/2017 \xc2\xa92017 Farleigh Wada Witt\n\n\x0c'


b'CREDIT CARD AGREEMENT\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n28.8%\n\nHow to Avoid Paying Interest\n\nYour due date is at least 23 days after the close of each Billing\nCycle. We will not charge you interest on purchases if you pay\nyour entire balance by the Payment Due Date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\nPenalty Fees\n\xef\x82\xb7 Late Payment Fee\n\xef\x82\xb7\n\nReturned Payment Fee\n\nNone\nUp to $40\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new\npurchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your Credit Card Agreement below.\nWe may change APR, Fees, and other terms at any time and for any reason in accordance with\nthis Credit Card Agreement and applicable law.\nThe information about costs of the card described in this agreement is accurate as of April 7, 2020. This\ninformation may have changed after that date. To find out what may have changed, please write us at:\nCredit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.\nREAD BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE,\nOR SUBMIT YOUR ELECTRONIC CONSENT\nThis is your Consumer Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with Credit First National Association, a\nnational banking association located at 6275 Eastland Road, Brook Park, Ohio 44142 (\xe2\x80\x9cCFNA\xe2\x80\x9d). This\nAgreement governs the use of your credit card account with us (\xe2\x80\x9cAccount\xe2\x80\x9d) and includes the following\n\xe2\x80\x9cRelated Documents\xe2\x80\x9d:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nApplication - The application or solicitation you signed or otherwise submitted to request the\nAccount;\nCard Carrier - The card carrier we send with the credit card or cards we issue you;\nPromotional Credit Plan Terms - Any special terms we provide you if you make a purchase under\na special promotional plan or terms outside of this standard agreement as outlined in Section 6.\n\n\x0cThe Related Documents are incorporated by reference into this Agreement. Your handwritten, electronic\nor digital signature on any document you sign in connection with the use of your card or Account is part of\nthis Agreement. These documents include, but are not limited to, your card, Application or any accepted\nsales slip. Participating merchants that may honor your card are not a party to this Agreement. Please\nread this Agreement and keep it for your records.\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;\nfees for ancillary products sold in connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). Members of the Armed Forces and their\ndependents are under no duty to waive their right to legal recourse under any applicable provision of Federal\nor State law, including any provision of the Servicemembers Civil Relief Act. Members of the Armed Forces\nand their dependents are not required to submit to arbitration as described in Section 19 below or elsewhere\nin this Agreement. You may contact us toll-free at 855.209.0588 for information about the Military Annual\nPercentage Rate and/or your payment schedule.\n\nAUTHORIZATION\nBy signing the application, signature capture device or through your electronic consent, you certify to each\nof the following statements: You have read and agree to the terms and conditions set forth in this document.\nYou are applying to Credit First National Association (CFNA) for a credit card with a credit limit up to the\namount for which you qualify. The application information you provided is true, correct and complete, and\nCFNA may rely on it. You authorize CFNA to obtain credit reports about you from consumer reporting\nagencies in considering this application and subsequently for the purpose of any update, review, renewal\nor extension of credit, or in reviewing or collecting on the Account. You understand and agree that by\nproviding CFNA with a wireless telephone number, you are providing express written consent to receiving\nautodialed and prerecorded message calls from CFNA or its servicers, its assignees, or its third party debt\ncollectors at this number. You authorize us, our servicers, assignees, or third party debt collectors to contact\nyou by telephone, mail, e-mail, fax, prerecorded message, automated voice, text message, digital,\ncomputerized, or other means allowable by law regarding your Account. You understand that if CFNA\napproves your application, CFNA will extend credit to you from its office in Ohio. You agree to be bound by\nthe terms set forth in the Agreement. You also understand that the Agreement includes an Arbitration\nSection that allows you or CFNA to resolve by arbitration claims arising from or related to the\nAgreement and your Account through the American Arbitration Association. The Arbitration\nSection will prevent you and CFNA from having claims resolved by a judge or jury and prevent you\nfrom participating as a representative or member of any class of claimants for claims subject to\narbitration. Other rights available in court may also not be available in arbitration. You can reject\nthe Arbitration Section within 30 days after CFNA opens your Account as explained in the\nAgreement.\nBy submitting your application, you acknowledge that you have read, understood and received a copy of\nthis document and if approved for credit by CFNA, agree to be bound by the terms set forth in this\ndocument.\n1. DEFINITIONS.\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nYou and your - each person who requested an Account approved by CFNA.\nWe, us and our - CFNA or any person or entity to which CFNA sells or gives your Account.\nCredit Card or Card - each credit card we issue to you or a person any of you authorizes to use the\nAccount.\n\n\x0c\xef\x82\xb7\n\nAuthorized User - a person any of you authorizes to use the Account and to whom we may issue a\nCard.\n\nOther capitalized terms are defined in the Agreement. Defined terms have the same meaning when used\nin your monthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d).\n2. YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise to do everything this\nAgreement requires of you. For joint Accounts, each of you promises to do everything this Agreement\nrequires. You specifically promise to pay all amounts owed because of transactions made on your Account\nby any of you and any Authorized User. You will be bound by this Agreement when you submit an\nApplication that is approved by us, sign a sales slip using the Card, or use or permit someone else to use\ncredit provided through the Card or Account. You will use the Card only for personal, family, or household\npurposes, and not for business, commercial, or agricultural purposes. You agree that at any time for any\nreason we may reissue a Card to you and/or may ask you to return any or all Cards.\nA. Default. Your Account will be in default if you fail to do something that this Agreement requires of you,\nsubject to any restrictions under applicable law. If that happens, we may tell you to pay us immediately\neverything you owe under the Account and applicable law. We will tell you in advance and/or give you an\nopportunity to cure your default only if applicable law requires us to do so.\n3. CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount we allow you to owe us\nat any time. If you exceed any credit limit that we have set for your Account, we can still charge you for all\ntransactions, Interest Charges and other charges (\xe2\x80\x9cFinance Charges\xe2\x80\x9d) without giving up any of our rights\nunder this Agreement. We may increase or decrease your Credit Limit at any time at our option. The\nreasons for changes may include, for example, your credit history with us, your default under this\nAgreement (see Section 2 above), fraud prevention or changes to this credit card program or CFNA policy.\nA portion of your available credit may be inaccessible until we confirm that your payment has been honored.\n\n4. MONTHLY STATEMENTS; BILLING CYCLES. We will send you a Statement at the end of each Billing\nCycle in which (a) your Account has a balance of $1 or more, (b) an Interest Charge is imposed or (c)\napplicable law requires us to send a Statement. We send only one Statement for your Account each month.\nEach Statement will show, among other things, the date on which the most recent Billing Cycle ended (the\n\xe2\x80\x9cStatement Closing Date\xe2\x80\x9d of the Billing Cycle), Previous Balance, Payments and Credits, Transactions,\nInterest Charges, other Fees and Charges, Payment Due Date, New Balance and Minimum Payment Due.\nA Billing Cycle means the days between Statement Closing Dates.\n5. PAYMENTS.\nA. Minimum Payment. You may pay all of your Account balance at any time without penalty. You\nmust pay us at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on\nyour Statement. The Minimum Payment Due for each Billing Cycle will be the greater of (a) 3.5% of the\nNew Balance (rounded up to the nearest whole dollar) plus all past due amounts and any Late Payment\nFee, Returned Payment Fee, or unpaid Service Fee incurred during the previous Billing Cycle; or (b) $27\n(or any amount less than $27 needed to pay your Account balance in full). The New Balance used to\ndetermine your Minimum Payment Due includes Regular Credit Plan transactions and Promotional Credit\nPlan balances (see Section 6 below for a description of Credit Plans).\nB. Methods of Payment. If paying by mail, send your personal check or money order, payable in U.S.\ndollars, along with the payment coupon to Credit First N.A. at the payment address shown on your\nstatement. Payments received by 5PM Eastern Time (ET) at the payment address shown on your\nstatement will be credited as of the business day of receipt. If received after 5PM ET, the payment\nwill be credited as of the next business day. Payments made through the CFNA website (CFNA.com),\nInteractive Voice Response System (IVR, self-service option), or through a CFNA representative\n(800.321.3950) prior to 11:59PM ET will be credited as of the same business day; Payments made\n\n\x0cafter 5PM ET may not be reflected on your account for up to 1-2 business days. Follow all of the\ninstructions for making a payment specified on your Statement. Any payment that does not conform to\nthese requirements may not be credited to your Account for up to five days, or may be rejected.\nAll check payments must be issued by a legitimate U.S. based bank registered to do business in the\nU.S. Do not send cash. You agree not to send us any check marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with similar\nterms or conditions. If you do, the check must be sent to our Dispute Resolution Department at a separate\naddress for inquiries specified on your statement. We can accept such checks as late or partial payments\nwithout losing our right to receive the full amount owed on your Account.\nC. Application of Payments. We apply payments first to previously billed Interest Charges and Fees; then\nto your purchases. The application of payments may be amended by Promotional Credit Terms. Except as\notherwise prohibited, we will apply payments greater than the required Minimum Payment amount and any\ncredits to balances on your Account in a way that is deemed appropriate by us. We will also follow the\nrequirements of applicable law when allocating your payments.\n6. CREDIT PLANS.\nA. Regular Credit Plan. You may use your Account for transactions that may or may not be subject to\nPromotional Credit Plan terms. Any balance of transactions not subject to Promotional Credit Plan terms\nwill be part of your Regular Credit Plan and treated as your \xe2\x80\x9cRevolving Balance.\xe2\x80\x9d\nB. Promotional Credit Plans. At our option, we may offer Promotional Credit Plans. Any Promotional\nCredit Plan offered may apply for a limited period of time. Our rights and your responsibilities will change if\nyou make a qualifying purchase under a Promotional Credit Plan. If your purchase amount qualifies for a\nPromotional Credit Plan, you will automatically be enrolled in promotional financing and the applicable\nPromotional Credit Plan terms will be given to you in a separate document. Promotional Credit Plan terms\ntemporarily modify certain terms of this Agreement for qualifying purchases, and all other terms of this\nAgreement remain unchanged. Any temporary modification of Agreement terms for Promotional Credit\nPlans will not limit or affect any other rights we have under this Agreement or applicable law.\n7. INTEREST CHARGES. We will calculate periodic Interest Charges on your Account for each Billing\nCycle by multiplying a monthly periodic rate (\xe2\x80\x9cPeriodic Interest Rate\xe2\x80\x9d) by the Average Daily Balance\n(including new transactions) on your Account. A Periodic Interest Rate is one-twelfth of its corresponding\nAnnual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d). We will charge you a Minimum Interest Charge of $2 for any Billing Cycle\nin which an Interest Charge of less than $2 would otherwise be imposed.\nA. Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to your Revolving Balance\nis 2.4% (corresponding APR 28.8%) (\xe2\x80\x9cInterest Rate\xe2\x80\x9d).\nB. How We Calculate Average Daily Balance Subject to Periodic Interest Charges. To get the Average\nDaily Balance for your Revolving Balance, we first must determine the daily balance for your Revolving\nBalance. To get the daily balance, we take the beginning Revolving Balance of your Account each day. Then\nwe subtract any payments or credits applied to your Revolving Balance, and any unpaid Interest Charges.\nWe add to that amount any new Regular Credit Plan transactions, Late Payment Fees, and other Account\nfees and administrative charges. We then add up all the daily balances and divide by the number of days in\nthe Billing Cycle. This gives us the Average Daily Balance for your Revolving Balance. We do not charge\nInterest Charges on unpaid Interest Charges, that is, we do not compound Interest Charges.\nC. When Interest Charges Begin to Accumulate. Interest Charges accumulate on each purchase from\nthe later of (a) the date of the transaction or (b) the first day of the Billing Cycle in which the transaction posts\nto your Account. Any interest which may have been waived due to the receipt of a payment, and which\npayment is later deemed insufficient or rejected will result in the re-application of waived interest to your\naccount. We do not assess Interest Charges in the following circumstances:\n\n\x0c1. If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due\nDate during that previous Billing Cycle (or if that New Balance was $0 or a credit balance), then:\n\xe2\x80\xa2\n\nif you pay the New Balance on your current Monthly Statement in full by the Payment Due Date\nin your current Billing Cycle. Interest Charges will not be imposed on Purchases during your\ncurrent Billing Cycle, and\n\n\xe2\x80\xa2\n\nif you make a payment that is less than the New Balance by the Payment Due Date in your\ncurrent Billing Cycle, that payment will be credited as of the first day in your current Billing Cycle.\n\n2. If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay that\nNew Balance by the Payment Due Date during that previous Billing Cycle, we will not charge Interest\nCharges on any Purchases during the current Billing Cycle if you pay the New Balance at the\nbeginning of your current Billing Cycle by its Payment Due Date.\n8. FEES.\nA. Late Payment Fee. If we do not receive at least the Minimum Payment Due within the timeframes\ndescribed in the Method of Payment section (section 5B) on your Payment Due Date, we may add to your\nAccount a Late Payment Fee of $29; or $40 if you did not make the Minimum Payment in any of the prior\nsix Billing Cycles by the Payment Due Date. Or;\nIf we do not receive your mailed payment that is at least the Minimum Payment Due by 5PM ET on your\nPayment Due Date, we may add to your account a Late Payment Fee of $29; or $40 if you did not make\nthe Minimum Payment in any of the prior six Billing Cycles. If we do not receive your online (CFNA.com),\nInteractive Voice Response System (IVR, self-service option), or CFNA representative assisted payment\nthat is at least the Minimum Payment Due by 11:59PM ET on your Payment Due Date, we may add to your\naccount a Late Payment Fee of $29; or $40 if you did not make the Minimum Payment in any of the prior\nsix Billing Cycles by the Payment Due Date.\nHowever, the Late Payment Fee will never exceed the amount of your required Minimum Payment to which\nthe Late Payment Fee relates. Any Late Payment Fee assessed will be added to the Revolving Balance\non your Account.\nB. Returned Payment Fee. If your payment by check, ACH, electronic debit or other instrument is\ndishonored by your bank or must be returned for any reason, we will add a Returned Payment Fee of $29,\nor $40 if you had a returned payment in any of the six prior Billing Cycles, to the Revolving Balance of your\nAccount. However, the Returned Payment Fee will never exceed the amount of your most recent required\nMinimum Payment.\n\n9. LOST OR STOLEN CARD OR IDENTITY THEFT. If you notice the loss or theft of your credit card or a\npossible unauthorized use of your card (including suspected identity theft), you should write to us\nimmediately at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us\nat 800.321.3950. You will not be liable for any unauthorized use that occurs after you notify us. You may,\nhowever, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will\nnot exceed $50.\n\n10. ACCOUNT CANCELLATION.\nA. How to Cancel Your Account. You (either of you if more than one) may cancel your Account at any\ntime by notifying us by telephone or in writing. You still must pay the full amount you owe us.\n\n\x0cB. We Have the Right to Cancel Your Account. We may cancel your Account and Cards at any time for\nany reason. Any Card issued for your Account must be cut in half and the pieces sent to us if we ask. This\nincludes each Card you gave to others. You still must pay the full amount you owe us, and this Agreement\nwill continue to apply to any unpaid balance.\n11. CREDIT AUTHORIZATIONS. We will authorize all Account purchases in advance. A merchant may\nask you to provide identification. We may not be able to authorize a transaction, even if you have sufficient\navailable credit, for example if our authorization system is not working or if we suspect possible fraud. We\nwill not be liable to you if this occurs. We may not authorize a transaction if your Account is over your Credit\nLimit or delinquent; if we authorize such a transaction, we do not consider it to be an increase in your Credit\nLimit. We are not responsible if any merchant refuses to accept or honor your Credit Card.\n12. CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us to investigate your credit\nrecord. You agree that a credit report may be requested in connection with the processing of an application\nfor credit, and subsequently in connection with any extension of credit, or any consideration of an increase\nto your credit limit, or any renewal or update of your Account, or to take collection action on the Account, or\nto investigate disputes regarding the Account. You also authorize us to furnish information concerning the\nstatus and payment history of your Account to credit bureaus and other creditors. If you believe that we\nhave reported inaccurate information about you to a credit reporting agency, please contact us at CFNA,\nBK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. In doing so, please provide your\nAccount number, name, address, phone number, and any other supporting documentation, in addition to\nspecifying the inaccurate information and explaining why you believe it is incorrect. If you have a copy of\nthe credit report that includes the inaccurate information, please send a copy of that report to us as well.\n13. COMMUNICATIONS. You authorize us, or our servicers, assignees, or third party debt collectors to\ncontact you by telephone, mail, e-mail, fax, prerecorded message, automated voice, text message, digital,\ncomputerized, or other means allowed by law regarding your Account. You agree that we may call you\nabout your Account using an automatic dialing - announcing device and that these calls will not be deemed\n"unsolicited" calls under state or federal law. You understand and agree that by providing us with a wireless\ntelephone number, you consent to receiving autodialed and prerecorded message calls from us or our\nservicers, assignees, or third party debt collector at that number. We may monitor and/or record telephone\ncalls between you and us to assure the quality of our customer service. You agree that monitoring and/or\nrecording may be done and that no additional notice to you or additional approval from you is needed.\n\nA. Your Address. We will consider your current address and state of residence to be the same as the\nbilling address we maintain in our records. You agree to notify us of any change in your name, residence,\nor billing address by writing to us at the address shown on your Statement. Any notices required by law\nshall be deemed received if mailed to your current address.\n\n14. GOVERNING LAW. This Agreement and your Account are governed by Federal law applicable to a\nnational bank and, to the extent not preempted by Federal law, the laws of Ohio, without regard to its\nconflicts of law provisions. This is the law we mean when we refer in this Agreement to a term that may be\npermitted or required by applicable law. We have accepted this Agreement in Ohio.\n15. WAIVER. We may, at our discretion from time to time without notice, waive any of our rights under this\nAgreement in certain circumstances. We can waive our rights without affecting our other rights. If we waive\nany right, we do not waive the same right in other circumstances or at other times.\n16. SEVERABILITY. If any provision of this Agreement is finally determined to be unenforceable under any\nlaw, rule, or regulation, all other provisions of this Agreement will still be valid and enforceable.\n\n17. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or any interest we hold in\nyour Account without notice to you. You may not sell, assign or transfer your Account.\n\n\x0c18. CHANGE IN TERMS. We may change the terms of this Agreement at any time, and we may add or\ndelete terms in this Agreement. These changes may include, for example, Interest Charge rates, fees and\nthis Change in Terms provision. We will give you notice of any change as required by applicable law. Any\nchange will apply on and after its effective date to new transactions and existing balances on your Account,\nexcept as limited by applicable law.\n\n19. ARBITRATION. For purposes of this Arbitration Section, the terms "we," "us" and "our" refer to Credit\nFirst National Association, its parents, wholly or majority owned subsidiaries, affiliates, predecessors,\nsuccessors, assigns, employees, officers and directors. If either you or we choose arbitration, neither you\nnor we will have the right to litigate that claim in court or to have a jury trial on that claim, or to engage in\npre-arbitration discovery, except as provided for in the arbitration rules of the American Arbitration\nAssociation (\xe2\x80\x9cAAA\xe2\x80\x9d). In addition, you will not have the right to participate as a representative or member of\nany class of claimants related to any claim subject to arbitration. The arbitrator\'s decision will generally be\nfinal and binding. Other rights that you would have if you went to court may also not be available in\narbitration. It is important that you read the entire arbitration provision carefully before accepting the terms\nof this Agreement.\nA "Claim" is any pre-existing, present, or future claim, dispute, or controversy of any kind (including but not\nlimited to constitutional, statutory, regulatory, common law, contract, tort and equitable claims) arising from\nor relating to (a) the credit offered or provided to you or requested by you, (b) the actions of you, us or third\nparties, or (c) the validity or meaning of this arbitration provision and every other provision in this Agreement.\nYou agree that either you or we can choose to have any Claim resolved by binding arbitration. You and\nwe acknowledge that each waives the right or opportunity to litigate a Claim in a court of law, and\nthat each agrees to resolve any Claims arising out of this Agreement through binding arbitration.\nThis Section does not apply to any of our regular Account collection efforts. If this Section (or any part of\nit) is determined invalid or illegal under any applicable statute or rule of law, it will be deemed omitted\nwithout affecting any other provisions of this Agreement, which shall remain in full force and effect.\nThere shall be no authority for any Claims to be arbitrated on a class action basis. An arbitration can\nonly decide our or your Claim and may not consolidate or join the claims of other persons who may have\nsimilar claims.\nAny arbitration will be conducted in accordance with the AAA\xe2\x80\x99s rules applicable to consumer disputes. For\nadditional information go to: http://www.adr.org/. Any arbitration hearing that you attend will take place in\nthe federal judicial district where you reside. At your request, we will advance the first $250 of the filing and\nhearing fees for any Claim you may file against us; the arbitrator will decide whether we or you will ultimately\npay those fees. This arbitration agreement is made pursuant to a transaction involving interstate commerce\nand shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. The arbitrator shall apply\napplicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations,\nand shall honor claims of privilege recognized by law. This arbitration provision shall survive repayment of\nyour extension of credit and termination of your Account.\nJudgment upon the award may be entered in any court of law of competent jurisdiction.\nYou can reject this Arbitration Section if you write to us within 30 days after we open your Account.\nSend a letter that you do not agree to the Arbitration Section. The letter must include your name, address\nand Account number. Mail the letter to CFNA, BK-12/Legal, P.O. Box 81315, Cleveland, Ohio 44181-0315.\nThis is the only way you can reject the Arbitration Section. If you reject the Arbitration Section, all other\nparts of this Agreement still apply to your Account.\n\n\x0c20. ENTIRE AGREEMENT. This Agreement, including the Related Documents incorporated by reference\ninto it, is the entire agreement between you and us relating to your Account. This Agreement replaces any\nother agreement relating to your Account that you and we made earlier or at the same time. If any of the\nRelated Documents has any information that is not the same as information in this Agreement, we will\nfollow this Agreement unless the other document says we should follow that document. You may not\nmodify any term or provision of this Credit Card Agreement.\nSIGNATURES. Your handwritten, electronic or digital signature on any document you sign in connection\nwith the use of your Card or Account represents your signature on this Agreement.\n\nNOTICES:\nCalifornia Residents: If you are married, you may apply for a separate account.\nNew York Residents: Upon your request, you will be informed of whether or not a credit report was\nordered, and if it was, you will be given the name and address of the consumer reporting agency that\nfurnished the report.\nOhio Residents: Ohio laws against discrimination require that all creditors make credit equally available\nto all credit worthy customers, and that credit reporting agencies maintain separate credit histories on\neach individual upon request. The Ohio Civil Rights Commission administers compliance with this law.\nMarried Wisconsin Residents: No provision of any marital property agreement, unilateral statement\nunder Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the\ninterest of CFNA, unless CFNA, prior to the time credit is granted is furnished a copy of the Agreement,\nstatement or decree or has actual knowledge of the adverse provision when the obligation to CFNA is\nincurred.\nNJ Residents: Certain provisions of this Agreement are subject to applicable law. As a result, they may\nbe void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are void,\nunenforceable or inapplicable in New Jersey.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about\nyour rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at CFNA, BK-11/Customer Service, P.O. Box\n81315, Cleveland, Ohio 44181-0315\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe 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 you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\n\n\x0cWhen 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 we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\n\xe2\x80\xa2\n\nWe 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\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think\nyou owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us. If\nwe do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven 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.\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\nCFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.\n\n\x0cWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will inform you of our decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\n\nTo help the government fight the funding of terrorism and money laundering activities, Federal\nlaw requires all financial institutions to obtain, verify and record information that identifies each\nperson who opens a new account. What this means for you: When you open an account, we will\nask for your name, address, date of birth, and other information that will allow us to identify you.\nWe may ask to see your driver\xe2\x80\x99s license or other identifying documents.\nR014 CFNA 04/2020\n\n\x0c'


b'4/27/2016\n\nFowler State Bank \xc2\xad Fowler, Indiana \xc2\xad Credit Card Application\n\nCREDIT APPLICATION\n\nWhen you use the...\n\nVisa\xc2\xae or MasterCard\xc2\xae\nCredit Card for the\npurchase of goods or\nservices, the following\nbenefits are yours!\nTRAVEL ACCIDENT INSURANCE\nYou, your spouse and dependent children up to\nage 19 (age 25 if a full\xc2\xadtime student at any\ninstitute of higher learning) are automatically\ncovered with common carrier travel accident\ninsurance every time you travel by air, bus, train,\nship, taxi, or any other common carrier anywhere\nin the world when you charge your entire fare to\nour card. This coverage is provided to you at NO\nEXTRA COST.\nVisa\xc2\xae and MasterCard\xc2\xae\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n15.48%\n\nAPR for Check Transactions\n\n15.48%\n\nAPR for Cash Advances\n\n15.48%\n\nFixed\n\nFixed\n\nFixed\n\nPenalty APR and When it Applies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on retail purchases or check transactions if you pay your\nentire balance by the due date. We will begin charging interest on cash advances\non the transaction date. We do not offer balance transfers.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the Federal Reserve Board\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the web site of the Federal Reserves Board at\nhttp://www.federalreserve.gov/creditcard.\nVisa\xc2\xae and MasterCard\xc2\xae\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nCheck Transactions\n\nNone\n\nCash Advances\n\n2.0% of the amount advanced \xc2\xad $10 maximum\n\nhttps://secureforms.c3vault1.com/forms/fowlerstatebank/creditApp.asp\n\n1/2\n\n\x0c4/27/2016\n\nFowler State Bank \xc2\xad Fowler, Indiana \xc2\xad Credit Card Application\nForeign Transaction\n\n1.0% for foreign conversion & .8% when currency conversion does not occur\n\nPenalty Fees\nLate Payment\n\nUp to $18.00\n\nOver\xc2\xadthe\xc2\xadCredit\xc2\xadLimit\n\nNone\n\nReturned Payment\n\nUp to $20.00\n\nOther Fees\nReplacement Card Fee\n\n$20.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance" (excluding new purchases).* An explanation of this method is\nprovided in your account agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\nContinue\n\nhttps://secureforms.c3vault1.com/forms/fowlerstatebank/creditApp.asp\n\n2/2\n\n\x0c'