b'CREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n5175 Parkstone Drive, Suite 200\nChantilly, Virginia 20151\n(703) 480-5300 (800) 550-5328\n\nTHIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR VISA SIGNATURE CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND\nNOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean the JUSTICE Federal Credit Union. The words "You" and "Your" mean each person\nwho accepts this Agreement or uses the VISA Signature Credit Card. "Account" means the VISA Signature Credit Card Account established for You. The words\n\xe2\x80\x9cCredit Card\xe2\x80\x9d or \xe2\x80\x9cCard\xe2\x80\x9d mean any VISA Signature Credit Card issued to You by Us and any duplicates and renewals. If this is a joint account, read singular\npronouns in the plural.\nYou understand the following terms constitute the Agreement:\nPROMISE TO PAY. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips,\nCredit Cards and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to\nYour Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\nJOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for the repayment of amounts owed. You understand that any Card which is\nrequested and approved, will be mailed only to the primary Cardholder at the address that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nOWNERSHIP. All access devices remain Our property and may be cancelled by Us at any time without notice. You agree to surrender any such access device\nand to discontinue its use immediately upon Our request.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored and to get cash advances from Us or another financial\ninstitution. If You are issued a cash advance draft, it will be imprinted with Your Card and You will receive a copy of the draft. You agree not to use Your Card for\nillegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable\nstate and/or federal law.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for use with Your Card. This PIN is\nconfidential and should not be disclosed to anyone. You may use Your PIN and Your Card to access Your Account and all sums advanced will be added to Your\nbalance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may affect\nYour rights.\nLINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be notified of Your specific Credit Limit for transactions made under Your Account.\nUnless You are in default, the Credit Limit established for You will be self replenishing as You make payments on Your Account. You will keep Your unpaid\nbalance within the Credit Limit set by Us, and You will pay any amount over the Credit Limit on Our demand whether or not We authorize the advance which\ncaused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any\naspect of Your Account is in default.\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall\nStreet Journal in effect on the last business day of each month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the\nIndex will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows a change in the Index. Increases or decreases in the\nInterest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will\nnever be greater than 18.00%, and will apply to Your remaining principal balance.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash\nadvances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are\nadded and the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day\'s\nbeginning balance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day\'s\nbeginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day\'s beginning balance and\npayments and credits are subtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number\nof days in the billing cycle. This gives Us the Average Daily Balance. We then multiply the Average Daily Balances for purchases, balance transfers and cash\nadvances by the applicable Daily Periodic Rate times the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23\nand 26 days from Your statement closing date depending on the number of days in the month. Otherwise, the new balance of purchases, and subsequent\npurchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance transfers are always subject to a\nFinance Charge from the date they are posted to Your Account and until such advances are paid in full.\nFor the current Margins, Index, Daily Periodic Rates (and corresponding Annual Percentage Rates), refer to the separate document titled "Additional\nDisclosure - Federal Truth-In-Lending Act" which has been provided to you prior to the time of Your first credit advance.\nMINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay Your Account or\nmake larger payments at any time without penalty. You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. Any\npartial payment or prepayment of Your Account will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States.\nPayments will be applied in the following order: (a) any Late Charges due; (b) any Finance Charges due; (c) the balance for purchases; (d) the balance for balance\ntransfers; and then to (e) the balance for cash advances. Any amounts paid in excess of the Minimum Monthly Payment will first be applied to the balance bearing\nthe highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is depleted.\nAny unpaid portion of any Finance Charges and Late Charges will be paid by subsequent payments and will not be added to the principal. You understand that\nany payment that delays the repayment of Your unpaid balance will increase Your Finance Charge and any payment that accelerates the reduction of Your unpaid\nbalance will decrease Your Finance Charges.\nCopyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved.\n\nPage 1 of 3\n\nOTBS 016CC_Signature FRB_WEB JUST (11/17)\nRev. (/17)\n\n\x0cMinimum Monthly Payments will be an amount equal to 2.00% of Your unpaid balance, subject to the lesser of $30.00 or Your balance. In addition to the Minimum\nMonthly Payment, You will also be required to pay any portion of any prior payments due which remain unpaid.\nCONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on Your shares or other deposit accounts with Us (other than those deposits\nestablished under a governmental-approved tax deferral plan such as an IRA or Keogh account) and any dividends due or to become due to You from\nUs to the extent You owe on any unpaid Credit Card balance.\nOTHER SECURITY. Personal property (other than household goods or any dwelling) given as Security for any loan You may have with Us will secure all amounts\nYou owe Us now and in the future.\nPERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since\nYour last statement. We will mail You a statement each billing cycle in which there is a debit or credit balance or when a Finance Charge is imposed. We need not\nsend You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is\ndeemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales,\ncash advance, credit or other slips will not be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to\nverify Your monthly statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by sending Us a slip which will be posted to\nYour Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is\n$1.00 or more, refund it on Your written request or automatically deposit it to Your Share Account after six months.\nLATE CHARGE. If Your payment is more than 10 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $27.00.\nOTHER FEES AND CHARGES. You agree to pay Us the following fees and charges associated with the use of Your Card which will be charged to Your Account\nas purchases: (a) the lesser of $27.00 or the required minimum payment amount for any check (or other negotiable instrument used for payment on Your Account)\nthat is returned unpaid; (b) $1.00 per page for statement copies and $5.00 per copy for sales drafts that You request that are unrelated to a valid billing error\ndispute; (c) $25.00 per hour for research on Your Account that You request that is unrelated to a valid billing error dispute, subject to a $25.00 minimum charge;\n(d) $10.00 for each replacement Card that You request; and (e) a cash advance fee FINANCE CHARGE equal to the greater of 2.00% of the amount advanced or\n$10.00, subject to a maximum of $50.00.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should\nbe filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or\nsoon will be impaired, time being of the very essence.\nIf You are in default, We may, without notice or demand, and to extent permitted by law, cancel Your rights under this Agreement, declare the entire unpaid\nbalance immediately due and payable and require the return of all Cards and other Account Access devices.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including reasonable attorneys\xe2\x80\x99 fees incurred in\nthe course of collecting any amounts owed under this Agreement or for the recovery of any collateral.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase any credit insurance\navailable through Us and have the premiums added to the outstanding balance of Your Account. If You elect to do so, You will be given the necessary disclosures\nand documents separately. Any credit insurance premiums will be charged to Your Account as a purchase.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments, or\nany other payments, even if they are marked \xe2\x80\x9cpaid in full\xe2\x80\x9d without losing any of Our rights under this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force and effect.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Account. You will not be liable for the unauthorized use that occurs after You notify Us\nof the loss, theft, or possible unauthorized use by calling Us at (866) 820-4866 or by writing to Us at the address shown in this Agreement. In any case, Your\nliability will not exceed $50.00.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly, in writing, if You move or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal\nTruth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic\nrate applicable to Your unpaid balance and/or future advances.\nREFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept the Cards, or electronic\nterminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards.\nLOST OR STOLEN CARDS AND/OR ACCOUNT NUMBERS. To report a lost or stolen Card, or Account Number at any time, You will immediately call Us at\n(866) 820-4866. You may also write to Us at 5175 Parkstone Drive, Suite 200, Chantilly, VA 20151.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. Dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips You may sign or receive when using the Card contain terms, this\nAgreement is the contract which solely applies to all transactions involving Your Account.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the Application and Your Credit Card, by using the Card, by using\nYour Account or by authorizing another to use Your Account, You agree to accept its terms.\nCopyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved.\n\nPage 2 of 3\n\nOTBS 016CC_Signature FRB_WEB JUST (11/17)\nRev. (/17)\n\n\x0cINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to\nthis Agreement is an integrated part of this Agreement and Disclosure.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or other financial information related to You, at\nOur request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial\nresponsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your\nAccount to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business\nneed for such information.\nTERMINATION. Subject to applicable law, either You or We may cancel Your Account at any time whether or not You are in default. You will, in any case, remain\nliable to pay any unpaid balances according to the terms of this Agreement.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the Commonwealth of Virginia except to the extent that such laws are inconsistent\nwith controlling federal law.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair 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 Our address shown in this Agreement. In Your letter, give Us the following information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct.\n\nWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on that amount.\nThe charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as delinquent,\nand We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the\nfirst $50.00 of the amount You question even if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may 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)\n\n2)\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold\nYou the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You as delinquent.\n\nCopyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved.\n\nPage 3 of 3\n\nOTBS 016CC_Signature FRB_WEB JUST (11/17)\nRev. (/17)\n\n\x0c5175 Parkstone Drive, Suite 200\nChantilly, Virginia 20151\n(703) 480-5300 (800) 550-5328\n\nPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA SIGNATURE CREDIT CARD\nAGREEMENT AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT\nONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\n_______% - _______% based on Your creditworthiness at the time You open\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\n_______% - _______% based on Your creditworthiness at the time You open Your\nAccount.\nThis APR can vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\n_______% - _______% based on Your creditworthiness at the time You open Your\nAccount.\nThis APR can vary with the market based on the Prime Rate.\n\nYour Account.\nThis APR can vary with the market based on the Prime Rate.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nCash Advance\n\n2.00% of the advance ($10.00 minimum - $50.00 maximum)\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nLate Payment\nReturned Payment\n\nUp to $27.00\nUp to $27.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash\nadvances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are added\nand the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day\'s beginning\nbalance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day\'s beginning balance and\npayments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day\'s beginning balance and payments and credits are\nsubtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives Us the Average Daily Balance. We then multiply the Average Daily Balances for purchases, balance transfers and cash advances by the applicable Daily Periodic\nRate times the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23 and 26\ndays from Your statement closing date depending on the number of days in the month. Otherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date\nthey are posted to Your Account and until such advances are paid in full.\nThe Daily Periodic Rate that will apply to the VISA Signature Credit Card is ____________% - ____________% (corresponding ANNUAL PERCENTAGE RATE\nof ________% - ________%) based on Your creditworthiness at the time You open Your Account.\n\nCopyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved.\n\nPage 1 of 1\n\nOTBS 016CCA_Signature FRB_WEB JUST (11/17)\nRev. (11/17)\n\n\x0c'


b'CREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n5175 Parkstone Drive, Suite 200\nChantilly, Virginia 20151\n(703) 480-5300 (800) 550-5328\n\nTHIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR VISA CLASSIC, VISA GOLD, VISA PLATINUM, FBINAA AFFINITY VISA, NSA AFFINITY VISA, LEEDA\nAFFINITY VISA, NEIA AFFINITY VISA, NNALEA AFFINITY VISA, SFSAFBI AFFINITY VISA, AFFNA AFFINITY\nVISA, ACA AFFINITY VISA, BLUE KNIGHTS AFFINITY VISA, SHARE SECURED VISA AND STUDENT VISA\nCREDIT CARDS. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF\nANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases, Balance\nTransfers and Cash Advances\n\n0.00%\n\nIntroductory APR for 6 months (except for all previous credit union card\naccountholders, and all Share Secured VISA accountholders).\nAfter that, Your APR will be:\n\n16.90% VISA Classic\n13.90% VISA Gold\n11.90% VISA Platinum\n11.90% FBINAA Affinity VISA\n11.90% ACA Affinity VISA\n11.90% NSA Affinity VISA\n11.90% LEEDA Affinity VISA\n\n11.90% NEIA Affinity VISA\n11.90% NNALEA Affinity VISA\n11.90% SFSAFBI Affinity VISA\n11.90% AFFNA Affinity VISA\n11.90% Blue Knights Affinity VISA\n16.90% Share Secured VISA\n16.90% Student VISA\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within at least 23 days of Your statement closing date. We will begin charging\ninterest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nCash Advance\nBalance Transfer\nConvenience Check\nForeign Transaction\n\nEither 2.00% of the advance or $10.00, whichever is greater ($50.00 maximum)\nNone\nEither 2.00% of the check or $10.00, whichever is greater ($50.00 maximum)\n1.00% of each foreign currency transaction in U.S. dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nLate Payment\nReturned Payment\n\nUp to $27.00 after 10 days\nUp to $27.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean the JUSTICE Federal Credit Union. The words "You" and "Your" mean each person who\naccepts this Agreement or uses the VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA,\nNNALEA Affinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA, Share Secured VISA or Student VISA Credit\nCards. "Account" means the VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA, NNALEA\nAffinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA, Share Secured VISA and Student VISA Credit Card\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 1 of 5\n\nOTBS 016 VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0cAccount established for You. The words \xe2\x80\x9cCredit Card\xe2\x80\x9d or \xe2\x80\x9cCard\xe2\x80\x9d mean any VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA\nAffinity VISA, NEIA Affinity VISA, NNALEA Affinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA, Share\nSecured VISA and Student VISA Credit Cards issued to You by Us and any duplicates and renewals. \xe2\x80\x9cConvenience Checks\xe2\x80\x9d mean the special Account access devices\nWe provide for Your use from time to time. If this is a joint account, read singular pronouns in the plural.\nYou understand the following terms constitute the Agreement:\nPROMISE TO PAY. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips,\nCredit Cards, Convenience Checks and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any\nuser who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges\ndescribed herein.\nJOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for the repayment of amounts owed. You understand that any Card which is\nrequested and approved, will be mailed only to the primary Cardholder at the address that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nOWNERSHIP. All access devices remain Our property and may be cancelled by Us at any time without notice. You agree to surrender any such access device\nand to discontinue its use immediately upon Our request.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored and to get cash advances from Us or another financial\ninstitution. If You are issued a cash advance draft, it will be imprinted with Your Card and You will receive a copy of the draft. You agree not to use Your Card for\nillegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable\nstate and/or federal law.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for use with Your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use Your PIN and Your Card to access Your Account and all sums advanced will be added to Your balance. In the\nevent a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may affect Your rights.\nLINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be notified of Your specific Credit Limit for transactions made under Your Account.\nUnless You are in default, the Credit Limit established for You will be self-replenishing as You make payments on Your Account. You will keep Your unpaid\nbalance within the Credit Limit set by Us, and You will pay any amount over the Credit Limit on Our demand whether or not We authorize the advance which\ncaused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any\naspect of Your Account is in default.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured VISA, You agree to give Us a specific pledge of shares which will equal 110% of\nYour Credit Limit. In the event that You default, We may apply these shares toward the repayment of any amount owed on Your Share Secured VISA. You may\ncancel Your Share Secured VISA at any time by paying any amounts owed on Your Share Secured VISA and returning any access devices. To be certain that\nYour entire balance and all advances are paid, any shares pledged may not be available to you for 30 days after You have cancelled Your Share Secured VISA\nand any outstanding balance is paid in full.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash\nadvances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are added\nand the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day\'s beginning\nbalance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day\'s beginning balance and\npayments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day\'s beginning balance and payments and credits are\nsubtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives Us the Average Daily Balance. We then multiply the Average Daily Balances for purchases, balance transfers and cash advances by the Daily Periodic Rate\ntimes the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23\nand 26 days from Your statement closing date depending on the number of days in the month. Otherwise, the new balance of purchases, and subsequent\npurchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances (including Convenience Checks) and balance\ntransfers are always subject to a Finance Charge from the date they are posted to Your Account and until such advances are paid in full.\nFor VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA, NNALEA Affinity VISA, SFSAFBI\nAffinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA and Student VISA, if You have not previously received a Credit Card from Us, the\nDaily Periodic Rate for the six-month period immediately following the date Your Account is established will be .00000% (corresponding ANNUAL PERCENTAGE\nRATE of 0.00%). Upon the expiration of any Introductory Rate period, Your Account will be subject to the Finance Charges provision of this Agreement.\nThe Daily Periodic Rate that will apply to Your VISA Classic Account is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\nThe Daily Periodic Rate that will apply to Your VISA Gold Account is .03808% (corresponding ANNUAL PERCENTAGE RATE of 13.90%).\nThe Daily Periodic Rate that will apply to Your VISA Platinum Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your FBINAA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Periodic Rate that will apply to Your NSA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your LEEDA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your NEIA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your NNALEA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your SFSAFBI Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your AFFNA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 2 of 5\n\nOTBS 016 VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0cThe Daily Periodic Rate that will apply to Your ACA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your Blue Knights Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your Share Secured VISA is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\nThe Daily Periodic Rate that will apply to Your Student VISA Account is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\nMINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay Your Account or\nmake larger payments at any time without penalty. You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. Any\npartial payment or prepayment of Your Account will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States.\nPayments will be applied in the following order: (a) any Late Charges due; (b) any Finance Charges due; (c) the balance for purchases; (d) the balance for balance\ntransfers; and then to (e) the balance for cash advances. Any amounts paid in excess of the Minimum Monthly Payment will first be applied to the balance bearing\nthe highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is depleted.\nAny unpaid portion of any Finance Charges and Late Charges will be paid by subsequent payments and will not be added to the principal. You understand that\nany payment that delays the repayment of Your unpaid balance will increase Your Finance Charge and any payment that accelerates the reduction of Your unpaid\nbalance will decrease Your Finance Charges.\nMinimum Monthly Payments for VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA,\nNNALEA Affinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA, Share Secured VISA and Student VISA will be\nan amount equal to 2.00% of Your unpaid VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity\nVISA, NNALEA Affinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA, Share Secured VISA or Student VISA\nbalance, subject to the lesser of $30 or Your balance. In addition to the Minimum Monthly Payment, You will also be required to pay any portion of any prior\npayments due which remain unpaid.\nCONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on Your shares or other deposit accounts with Us (other than those\ndeposits established under a governmental-approved tax deferral plan such as an IRA or Keogh account) and any dividends due or to become due\nto You from Us to the extent You owe on any unpaid Credit Card balance.\nOTHER SECURITY. Personal property (other than household goods or any dwelling) given as Security for any loan You may have with Us will secure all amounts\nYou owe Us now and in the future.\nPERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since\nYour last statement. We will mail You a statement each billing cycle in which there is a debit or credit balance or when a Finance Charge is imposed. We need not\nsend You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is\ndeemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no obligation to honor Your Convenience Checks if: (1) by paying a\nConvenience Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been reported lost or stolen; (3) Your Account has been\ncancelled or has expired; and (4) a Convenience Check is used for payment on this or any other loan Account with Us. If a postdated Convenience Check is paid\nand, as a result, any other Convenience Check is returned unpaid, We are not responsible for any resulting loss or liability.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales,\ncash advances, credit or other slips will not be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to\nverify Your monthly statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by sending Us a slip which will be posted to\nYour Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is\n$1.00 or more, refund it on Your written request or automatically deposit it to Your Share Account after six months.\nLATE CHARGE. If Your payment is more than 10 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $27.\nOTHER FEES AND CHARGES. You agree to pay Us the following fees and charges associated with the use of Your Card which will be charged to Your Account\nas purchases: (a) the lesser of $27 or the required minimum payment amount for any check (or other negotiable instrument used for payment on Your Account)\nthat is returned unpaid; (b) $30 for each Convenience Check that is returned unpaid; (c) $20 for every stop payment that You request on a Convenience Check; (d)\n$1 per page for statement copies and $5 per copy for sales drafts that You request that are unrelated to a valid billing error dispute; (e) $15 per hour for research\non Your Account that You request that is unrelated to a valid billing error dispute, subject to a $15 minimum charge; (f) $10 for each replacement Card that You\nrequest; (g) a cash advance fee FINANCE CHARGE equal to the greater of 2.00% of the amount advanced or $10.00, subject to a maximum of $50.00; and (h) a\nconvenience check fee FINANCE CHARGE equal to the greater of 2.00% of the amount of the check or $10.00, subject to a maximum of $50.00.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should\nbe filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or\nsoon will be impaired, time being of the very essence.\nIf You are in default, We may, without notice or demand, and to extent permitted by law, cancel Your rights under this Agreement, declare the entire unpaid\nbalance immediately due and payable and require the return of all Cards and other Account Access devices.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including reasonable attorney fees incurred in the\ncourse of collecting any amounts owed under this Agreement or for the recovery of any collateral.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase any credit insurance\navailable through Us and have the premiums added to the outstanding balance of Your Account. If You elect to do so, You will be given the necessary disclosures\nand documents separately. Any credit insurance premiums will be charged to Your Account as a purchase.\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 3 of 5\n\nOTBS 016 VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0cENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments, or\nany other payments, even if they are marked \xe2\x80\x9cpaid in full\xe2\x80\x9d without losing any of Our rights under this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force and effect.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Account. You will not be liable for the unauthorized use that occurs after You notify Us\nof the loss, theft, or possible unauthorized use by calling Us at (866) 820-3036 or by writing to us at the address shown in this Agreement. In any case, Your\nliability will not exceed $50.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly, in writing, if You move or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal\nTruth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic\nrate applicable to Your unpaid balance and/or future advances.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept the\nCards or Convenience Checks, or electronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience Checks.\nLOST OR STOLEN CARDS, ACCOUNT NUMBERS AND/OR CONVENIENCE CHECKS. To report a lost or stolen Card, Convenience Check or Account\nNumber at any time, You will immediately call Us at (866) 820-3036. You may also write to Us at 5175 Parkstone Drive, Suite 200, Chantilly, VA 20151.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In\neach instance, plus a 1.00% fee.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips You may sign or receive when using the Card contain terms, this\nAgreement is the contract which solely applies to all transactions involving Your Account.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the Application and Your Credit Card, by using the Card, by using\nYour Account or by authorizing another to use Your Account, You agree to accept its terms.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to\nthis Agreement is an integrated part of this Agreement and Disclosure.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or other financial information related to You, at\nOur request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial\nresponsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your\nAccount to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business\nneed for such information.\nTERMINATION. Subject to applicable law, either You or We may cancel Your Account at any time whether or not You are in default. You will, in any case, remain\nliable to pay any unpaid balances according to the terms of this Agreement.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the Commonwealth of Virginia except to the extent that such laws are inconsistent\nwith controlling federal law.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair 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 Our address shown in this Agreement. In Your letter, give us the following information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1)\n2)\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct.\n\nWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on that amount.\nThe charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 4 of 5\n\nOTBS 016 VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0cAfter We finish Our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as delinquent,\nand We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the\nfirst $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\nmerchant, You may 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)\n\n2)\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You\nthe goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You as delinquent.\n\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 5 of 5\n\nOTBS 016 VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0c5175 Parkstone Drive, Suite 200\nChantilly, Virginia 20151\n(703) 480-5300 (800) 550-5328\n\nPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA CLASSIC, VISA GOLD, VISA\nPLATINUM, FBINAA AFFINITY VISA, NSA AFFINITY VISA, LEEDA AFFINITY VISA, NEIA AFFINITY VISA, NNALEA\nAFFINITY VISA, SFSAFBI AFFINITY VISA, AFFNA AFFINITY VISA, ACA AFFINITY VISA, BLUE KNIGHTS AFFINITY\nVISA, SHARE SECURED VISA AND STUDENT VISA CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE BE\nSURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases, Balance\nTransfers and Cash Advances\n\n0.00%\n\nIntroductory APR for 6 months (except for all previous credit union card\naccountholders, and all Share Secured VISA accountholders).\nAfter that, Your APR will be:\n\n16.90% VISA Classic\n13.90% VISA Gold\n11.90% VISA Platinum\n11.90% FBINAA Affinity VISA\n11.90% ACA Affinity VISA\n11.90% NSA Affinity VISA\n11.90% LEEDA Affinity VISA\nPaying Interest\n\n11.90% NEIA Affinity VISA\n11.90% NNALEA Affinity VISA\n11.90% SFSAFBI Affinity VISA\n11.90% AFFNA Affinity VISA\n11.90% Blue Knights Affinity VISA\n16.90% Share Secured VISA\n16.90% Student VISA\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within at least 23 days of Your statement closing date. We will begin charging\ninterest on cash advances and balance transfers on the transaction date.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nCash Advance\nBalance Transfer\nConvenience Check\nForeign Transaction\n\nEither 2.00% of the advance or $10.00, whichever is greater ($50.00 maximum)\nNone\nEither 2.00% of the check or $10.00, whichever is greater ($50.00 maximum)\n1.00% of each foreign currency transaction in U.S. dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nLate Payment\nReturned Payment\n\nUp to $27.00 after 10 days\nUp to $27.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash\nadvances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are added\nand the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day\'s beginning\nbalance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day\'s beginning balance and\npayments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day\'s beginning balance and payments and credits are\nsubtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives Us the Average Daily Balance. We then multiply the Average Daily Balances for purchases, balance transfers and cash advances by the Daily Periodic Rate\ntimes the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23\nand 26 days from Your statement closing date depending on the number of days in the month. Otherwise, the new balance of purchases, and subsequent\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0cpurchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances (including Convenience Checks) and balance\ntransfers are always subject to a Finance Charge from the date they are posted to Your Account and until such advances are paid in full.\nFor VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA, NNALEA Affinity VISA, SFSAFBI\nAffinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA and Student VISA, if You have not previously received a Credit Card from Us, the\nDaily Periodic Rate for the six-month period immediately following the date Your Account is established will be .0.00000% (corresponding ANNUAL\nPERCENTAGE RATE of 0.00%). Upon the expiration of any Introductory Rate period, Your Account will be subject to the Finance Charges provision of this\nAgreement.\nThe Daily Periodic Rate that will apply to Your VISA Classic Account is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\nThe Daily Periodic Rate that will apply to Your VISA Gold Account is .03808% (corresponding ANNUAL PERCENTAGE RATE of 13.90%).\nThe Daily Periodic Rate that will apply to Your VISA Platinum Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your FBINAA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Periodic Rate that will apply to Your NSA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your LEEDA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your NEIA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your NNALEA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your SFSAFBI Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your AFFNA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your ACA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your Blue Knights Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%).\nThe Daily Periodic Rate that will apply to Your Share Secured VISA is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\nThe Daily Periodic Rate that will apply to Your Student VISA Account is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).\n\nCopyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A VISA FRB_WEB JUST (11/17)\nRev. (12/17)\n\n\x0c'