b'TruMark Financial Credit Union\n335 Commerce Drive\nFort Washington, PA 19034\n\nCredit Card Agreement\nand Disclosure Statement\n\nThis is your Credit Card Agreement and Disclosure Statement. Please read it and keep it for your records. You do not\nhave to sign it. It automatically becomes effective once the card is used, or if you do not close the account within thirty\n(30) days after the date of the letter to you indicating you were approved for the card. It sets out the terms for your use of a\nTruMark Financial\xc2\xae Credit Union credit card. The combination of terms that could apply to you will differ depending on\nthe specific credit card offer and on your credit worthiness at the time of application. Not all offers will contain\nintroductory rates. Please refer to the Disclosure Table within this document for specific terms and rates for your card\ntype.\n\n1. DEFINITION OF TERMS.\nIn this agreement the words \xe2\x80\x9capplicant\xe2\x80\x9d and \xe2\x80\x9cco-applicant\xe2\x80\x9d mean the person(s) who signed the application or whose\ninformation was provided on the application for the card; the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the applicant and\nco-applicant, if any, and any other person an applicant permits to use a card issued under the agreement; the words\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d refer to TruMark Financial Credit Union (TruMark Financial), its successors and assigns. The\nword \xe2\x80\x9ccard\xe2\x80\x9d means the VISA card or cards we issue under this agreement and Disclosure Statement. The word\n\xe2\x80\x9caccount,\xe2\x80\x9d unless the context clearly indicates otherwise, means the VISA credit card revolving line of credit account\nestablished by this Agreement and Disclosure Statement.\n\n2. ACTIVATING CARD, SIGNING CARD, AUTHORIZED USERS, ACCESS\na) In order to use the card you must first activate the card by calling the telephone number accompanying the card.\nYou must sign your name on the signature panel on the card. You should sign the card as soon as it is received to\nprotect you and us from any unauthorized use. Each person who uses a card with an Applicant\xe2\x80\x99s permission is\nalso bound by this Agreement and Disclosure Statement. You should ensure that any other person you authorize\nto use the account or a card has read and understood this Agreement and Disclosure Statement because you are\nliable for their use of any card and any charges they incur on the account. Once you (including any permitted\nuser) use the card, this Agreement and Disclosure Statement will automatically become effective. It also will\nbecome effective if you do not close your account within thirty (30) days from the date of your approval. By\nusing or authorizing the use of the account, any card, or any preprinted loan drafts we provide to you, or by\nsigning the back of the card or any preprinted loan drafts we provide to you, you agree to the terms of this\nAgreement and Disclosure Statement. You also authorize us to obtain credit bureau reports in connection with\nextensions of credit or the review or collection of your account. If you ask we will tell you the name and address\nof each credit bureau from which we obtained a report about you.\nb) You acknowledge and agree by signing up for Internet Teller and/or Touch Tone Teller that any person whom\nyou have authorized or will authorize to have rights in and to your account, such as a joint-owner, and/or any\nperson to whom you have allowed access to your password is deemed to be an authorized user (each person\nsometimes being hereinafter referred to as an authorized user) with respect to Internet Teller and/or Touch Tone\nTeller. An authorized user shall include joint members/owners presently on your membership account and joint\nmember/owners added in the future. Any such authorized user shall have the full right and ability to access your\naccount, including the ability to request a cash advance or other borrowing transaction through Internet Teller\nand/or Touch Tone Teller, regardless of whether any such authorized user is a co-borrower or otherwise appears\non the account or applicable loan application. Transactions by any such authorized user will be considered\n1\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cauthorized transactions for which you and any co-borrower on will be jointly liable. For full definition of Internet\nTeller, see our Internet Teller Agreement/Disclosure at www.trumarkonline.org\n3. PURCHASES AND CASH ADVANCES.\na) You can use the card to purchase goods and services wherever the VISA card is honored. You may also make up\nto four (4) ATM withdrawals (instant cash loans) totaling no more than $505 per day at any financial institution or\nVISA automated teller machine.\nb) You also may use the card to obtain cash advances, and you may obtain cash advances with loan drafts if we make\nthem available, all subject to the terms of this Agreement and Disclosure Statement. As used in this Agreement\nand Disclosure Statement, cash advances includes loan checks drawn on your account, any overdrafts for your\nchecking or share draft account with us, other advances to you by any financial institution including us and\nbalance transfers. FINANCE CHARGES will accrue on each cash advance from the date it is posted to your\naccount.\nc) You authorize us to make cash advances in order to pay insufficient funds and overdraft fees to your share\ndraft/checking account. Advances to pay insufficient funds and overdraft fees will be treated as cash advances.\nd) You may not make a purchase or cash advance that will increase your account balance, including any accrued\nFINANCE CHARGE or other fees, above the amount of your approved line of credit.\ne) We are not responsible in any way for refusals by merchants or financial institutions to honor the card for\npurchases or for cash advances, except as provided by applicable law and regulations. Cash refunds will not be\nmade to you by merchants honoring the card. Instead, the merchant will issue you a credit, which will appear on\nyour monthly statement. A description of that monthly statement appears below.\nf) If you incur a charge in a foreign currency, the charge will be converted by VISA International into a U.S. dollar\namount. VISA International will use the procedures set forth in its Operating Regulations in effect at the time that\nthe transaction is processed. Currently, those regulations provide that the currency conversion rate to be used is\neither:\n1. a wholesale market rate or\n2. a government-mandated rate in effect one day prior to the processing date, increased by an international\nreimbursement rate of one percent (1%) in each case.\nThe currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date\nor the posting date.\n4. LOAN DRAFTS\na) If we approve, you may obtain advances under your account by writing preprinted loan drafts that we supply to\nyou. We do not require that loan drafts be in minimum amounts. Your use of a loan draft will be treated as a cash\nadvance, with FINANCE CHARGES accruing from the date the draft is posted to your account, and will be\nshown as a cash advance on your monthly statement. We may refuse to pay your loan draft for any of the\nfollowing reasons:\n\xef\x82\xb7 if it is postdated,\n\xef\x82\xb7 if payment of the draft will exceed your credit limit,\n\xef\x82\xb7 if it is signed by a person without authorized access,\n\xef\x82\xb7 if your credit privileges under the account have been terminated or suspended for any reason, or\n\xef\x82\xb7 if any drafts have been reported lost or stolen.\nb) Our liability for a wrongful dishonor is limited to your actual losses; however, a dishonor for the reasons stated\nabove is not a wrongful dishonor.\na. We will charge you the following FEES related to loan drafts: Up to $32 for each stop payment request, a\nstop payment request on a series of checks, or each loan check, negotiable order of withdrawal, or draft that we\nmust return to the presenter for any reason; for example, because it would draw on your account over your credit\nlimit or if your account has been closed.\n2\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cc) You may stop payment on a loan draft by calling us or writing us at the telephone number or address shown in the\nparagraph below titled, \xe2\x80\x9cHow to Contact Us.\xe2\x80\x9d You must provide us with the check number, dollar amount, and\npayee exactly as they appear on the loan draft. If you give us incorrect information, we will not be responsible for\nfailing to stop payment. We also will not be responsible to honor the stop order unless you give it to us in the\nmanner described in this Agreement and Disclosure Statement and at such time as to afford us a reasonable\nopportunity to act on it before we have paid the loan draft. If you contact us by telephone, your stop payment\norder will only be good for 14 calendar days unless before the end of that period you give us the stop payment\norder in writing. A written stop payment request expires six (6) months after the date we accept your stop\npayment order unless you renew it in writing within two (2) weeks prior to the end of that period.\nd) If you post-date a loan draft, we may honor the loan draft immediately upon presentment or return it unpaid, at our\nelection, without in either case waiting until the date shown on the loan draft. We are not liable to you for any loss\nor expense incurred by you arising out of the action we elect to take.\n5. GRACE PERIOD\nThe grace period on purchases is 28 days, meaning that no FINANCE CHARGE will be imposed on new purchases\nif they are paid in full within 28 days after the close of the monthly billing period. There is no grace period for cash\nadvances. FINANCE CHARGES begin to accrue on a cash advance on the date it is posted to your account; and\nmust be paid even if you pay the entire balance on the account in full by the payment due date.\n6. REPAYMENT\na) You must pay us in United States dollars, all amounts charged and borrowed by the use of the card together\nwith FINANCE CHARGES and any other charges and fees provided for in this Agreement and Disclosure\nStatement.\nb) Payments may be made in cash, in-person at TruMark Financial\xe2\x80\x99s offices or branches, electronic funds\ntransfers, or by check or other negotiable instrument payable to TruMark Financial if payable at a domestic\nfinancial institution or a domestic office of a foreign financial institution. Payments made through the mail in\nthe form of cash, third party checks, or other negotiable instruments are not accepted.\nc) You may not use a loan draft or any other cash advance to make a payment under this Agreement and\nDisclosure Statement, or any other credit account you may have with us.\nd) In accordance with applicable law, we will apply your payment to your indebtedness to us at the time the\npayment is made. Any payment you make in excess of any required minimum payment will not affect your\nobligation to make future required minimum payments calculated in accordance with this Agreement and\nDisclosure Statement, so long as any balance is outstanding.\ne) Payments received by 5:00 p.m. on any business day will be credited on that day. If a payment is received\nafter 5:00 p.m. or on a non-business day the payment will be credited on the next business day.\nf) We may accept late payments, partial payments, or checks, money orders, other negotiable instruments or\npayments marked \xe2\x80\x9cPayment in full\xe2\x80\x9d without losing any of our rights under this Agreement and Disclosure\nStatement.\n7. REQUIRED MINIMUM PAYMENT\nYou may pay your account balance in full at any time without penalty. If you do not wish to pay the total new balance\noutstanding for both cash advances and purchases, you must pay at least the required minimum payment by the\npayment due date to avoid being in default.\nThe required minimum payment is based on the total of your outstanding VISA account balance, finance and other\napplicable charges, and any additional amount past due at the end of each billing period. The required minimum\npayment is the total of:\n\n\xef\x82\xb7\n\xef\x82\xb7\n3\n\n2.25% of your new balance (as defined below), but not less than a minimum amount of $25.\nPLUS, any amount you owe in excess of your credit limit\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cTo determine your new balance, we take the outstanding balance on your account at the beginning of the billing period, add\nany new purchases and cash advances, subtract any new payments and credits received, make any required adjustments (for\nexample, corrections of prior miscalculations), and add applicable FINANCE CHARGES and fees.\n\n8. MONTHLY STATEMENT\nWe will send you a statement at the end of each monthly billing period. The statement will set out the following\ninformation:\na) The account balance at the end of the last prior billing period\nb) Any payments received by us during the billing period\nc) Any other debits or credits to your account made by or received by us during the billing period\nd) All of your purchases and cash advances received by us during the billing period\ne) FINANCE CHARGES and fees, if any\nf) Any adjustments\ng) The new account balance\nh) The required minimum payment required under this agreement\ni) The date that your payment is due\nj) The periodic rate for the billing period\nk) The ANNUAL PERCENTAGE RATE\nl) Toll-free telephone number, internet address and website to obtain payoff information\nm) Examples of length of time to payoff balance when making a minimum payment only\nn) Current and year-to-date fee totals\n9. PERIODIC RATES AND CALCULATION OF FINANCE CHARGES\n(a) Cash Advances (including Balance Transfers).\nIntroductory Rate\nOn Platinum Visa cards and Rewards Visa cards, for an introductory period after you receive your credit card (the \xe2\x80\x9cCash\nAdvance Introductory Period\xe2\x80\x9d), the ANNUAL PERCENTAGE RATE for cash advances (including balance transfers)\nwill be a lower rate than the PERMANENT ANNUAL PERCENTAGE RATE. After the introductory\nperiod, the PERMANENT ANNUAL PERCENTAGE RATE will apply to all cash advances (including balance\ntransfers), including those posted during the introductory period. A description of the cash advance introductory period\nand a disclosure of the INTRODUCTORY ANNUAL PERCENTAGE RATE and the PERMANENT ANNUAL\nPERCENTAGE RATE for cash advances are contained in the Disclosure Table that accompanies this Agreement and\nDisclosure Statement. The Disclosure Table is made part of this Agreement and Disclosure Statement, and you should\nkeep a copy with this Agreement and Disclosure Statement.\nPermanent Rates\nAfter any cash advance introductory period, the ANNUAL PERCENTAGE RATE applicable to cash advances\n(including balance transfers) will become a variable rate that will be adjusted monthly and will be the sum of an index\nplus a margin. The index will be an annual rate equal to the highest prime rate published in the money rates section of\nThe Wall Street Journal (Eastern Print Edition) on the first day of each calendar month of each year; or if The Wall\nStreet Journal does not publish the prime rate on the first day of a calendar month, the highest rate most recently\npublished as the prime rate in The Wall Street Journal (Eastern Print Edition) before that date. If the index increases at the\nbeginning of any month, your ANNUAL PERCENTAGE RATE and monthly periodic rate will increase for the\nmonthly billing period beginning on or after that date. The ANNUAL PERCENTAGE RATE may not increase above\n18.00% (a monthly periodic rate of 1.50%). If the ANNUAL PERCENTAGE RATE increases, your monthly payments\nand minimum payment will increase and it will take you longer to pay what you owe. The margin will be 4.99% to\n13.74% per year, depending on our review of your application and credit history.\n4\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cCalculating FINANCE CHARGE on Cash Advances\nA FINANCE CHARGE is imposed on a cash advance from the date the cash advance is made until the date it is fully\npaid. We calculate the FINANCE CHARGE on cash advances by applying a monthly periodic rate corresponding to\nthe applicable ANNUAL PERCENTAGE RATE to the applicable portion of the cash advance average daily\nbalance. To get the cash advance average daily balance, we take the beginning unpaid balance of cash advances each\nday, (excluding the billing date of the previous cycle and including the billing date of the current cycle), add any new\ncash advances and subtract any payments or credits. When we subtract any payments or credits, we apply them first\nagainst other fees and charges you owe us, then against unpaid FINANCE CHARGES. After paying all fees,\ncharges and FINANCE CHARGES, we apply any remaining payments and credits to your outstanding balances of\ncash advances. This gives us the daily cash advance balance. We then add up all of these daily cash advance balances\nfor the monthly billing period and divide the total by the number of days in the monthly billing period. This gives us\nthe cash advance average daily balance. The monthly periodic rate for cash advances is determined by dividing the\nANNUAL PERCENTAGE RATE (APR) by 12.\n(b) Purchase\nIntroductory Rate\nOn Platinum Visa cards and Rewards Visa cards, for an introductory period after you receive your credit card (the\n\xe2\x80\x9cPurchases Introductory Period\xe2\x80\x9d), the ANNUAL PERCENTAGE RATE for purchases will be a lower rate than the\nPERMANENT ANNUAL PERCENTAGE RATE. After the introductory period, the PERMANENT ANNUAL\nPERCENTAGE RATE will apply to all purchases, including those posted during the introductory period. A\ndescription of the Purchases introductory period and a disclosure of the INTRODUCTORY ANNUAL\nPERCENTAGE RATE and the PERMANENT ANNUAL PERCENTAGE RATE for purchases are contained in\nthe Disclosure Table.\nPermanent Rates\nAfter any purchase introductory period, the ANNUAL PERCENTAGE RATE applicable to purchases will become\na variable rate that will be adjusted monthly and will be the sum of an index plus a margin. The index will be an\nannual rate equal to the highest prime rate published in the money rates section of The Wall Street Journal (Eastern\nPrint Edition) on the first day of each calendar month of each year (or if The Wall Street Journal does not publish the\nprime rate on the first day of a calendar month, the highest rate most recently published as the prime rate in The Wall\nStreet Journal (Eastern Print Edition) before that date). If the Index increases at the beginning of any month, your\nANNUAL PERCENTAGE RATE and monthly periodic rate will increase for the monthly billing period that begins\non or after that date. The ANNUAL PERCENTAGE RATE may not increase above 18.00% (a monthly periodic rate\nof 1.50%). If the ANNUAL PERCENTAGE RATE increases, your monthly payments and minimum payment will\nincrease and it will take you longer to pay what you owe in full. The margin will be 4.99% to 13.74% per year,\ndepending on our review of your application and credit history.\nCalculating FINANCE CHARGE on Purchases\nNo FINANCE CHARGE will be charged on new purchases if you pay your entire new balance shown on your\nmonthly statement by the payment due date shown on the statement (28 days after the close of the monthly billing\nperiod covered by your monthly statement showing the new purchases). If you do not pay your entire new balance by\nthe payment due date, a FINANCE CHARGE will be imposed on each new purchase from the date of the purchase.\nFINANCE CHARGES will continue to accrue on purchases until we receive payment of the total balance of\npurchases. We figure the FINANCE CHARGE on purchases by applying a monthly periodic rate corresponding to\nthe applicable ANNUAL PERCENTAGE RATE to the \xe2\x80\x9cPurchase Average Daily Balance.\xe2\x80\x9d To get the purchase\naverage daily balance, we take the beginning balance of purchases each day (excluding the billing date of the previous\ncycle and including the billing date of the current cycle), add any new purchases, and subtract any payments or credits.\nWhen we subtract any payments or credits, we apply them first against other fees and charges you owe us, then against\nunpaid FINANCE CHARGES. After paying all fees, charges and FINANCE CHARGES, we apply any remaining\npayments and credits to your outstanding balances of purchases. This gives us the daily balance of purchases. Then we\n5\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cadd up all the daily balances of purchases for the monthly billing period and divide the total by the number of days in\nthe monthly billing period. This gives us the Purchase Average Daily Balance. The monthly periodic rate for\npurchases is determined by dividing the ANNUAL PERCENTAGE RATE (APR) by 12.\nOnce we have calculated the FINANCE CHARGES on cash advances as described above, and the FINANCE\nCHARGES on purchases as described above, we total those results to get your total FINANCE CHARGES for a\nmonthly billing period.\nThe ANNUAL PERCENTAGE RATE will not at any time exceed 18.00% per year, or, if lower, the highest\nallowable rate for this type of agreement as determined by applicable Federal or State Law.\n(c) You may obtain our current periodic rates by calling TruMark Financial at (215) 953-5353 or\nby visiting TruMark Financial\xe2\x80\x99s website at www.trumarkonline.org.\n\n10. JOINT ACCOUNT\nIf a VISA card is issued for a joint account, each of you will be jointly and severally liable under the terms of this\nAgreement and Disclosure Statement.\n\n11. SECURED VISA\nIf the terms of the account application requires collateral, you will be required to pledge from a share account with\nTruMark Financial, 100% of the approved credit limit. This is more fully described in the Assignment of Deposit\nAgreement which you will be required to execute in order to be approved for an account.\n\n12. RULES AFFECTING YOUNG CONSUMERS\nWe will not open a credit card account for any member less than 21 years of age unless the member has submitted an\napplication with the following:\na) Financial information indicating he/she has an independent ability to make the required minimum periodic\npayments on the extension of credit in connection with the account, OR\nb) A signed agreement of a cosigner, guarantor, or joint applicant who is at least 21 years of age to be either\nsecondary liable for any debt on the account incurred by the member before the member has attained the age\nof 21; or jointly liable with the member for any debt on the account, AND\nc) Financial information indicating such cosigner, guarantor, or joint applicant has the ability to make the\nrequired minimum periodic payments on such debts, consistent with the agreement and disclosure statement\nof the account.\nAfter a credit card account has been opened to any member less than 21 years of age in accordance with the above, no\nincrease in the credit limit will be made on such account before the member attains the age of 21 unless the cosigner,\nguarantor, or the joint account holder (who has assumed liability) at the account opening, agrees in writing, to assume\nliability on the increase to the credit limit.\n\n13. CREDIT LIMIT\nWe will set the credit limit on your account and may change it from time to time. If we change your credit limit, we\nwill notify you 45 days prior to any change. We may notify you of credit limit changes on your monthly statement.\nThe total amount outstanding on your account must always remain below the credit limit. If your unpaid balance ever\nexceeds your credit limit, you agree to pay the excess on demand. Your initial credit limit is stated on the letter to you\nindicating that you were approved for the card.\n\n6\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0c14. AUTHORIZATIONS\nYou agree that any purchase or cash advance may be subject to prior authorization by us or by a VISA authorization\ncenter. Prior authorization may involve limitations on frequency or use of the VISA card or dollar limitations on\npurchases or cash advances that are established for your protection.\n\n15. LOST OR STOLEN CARD; LIABILITY FOR UNAUTHORIZED USE\nContact us at once if you believe your VISA card has been lost or stolen or you think someone has or may use it\nwithout your permission. Do not use the card once you have notified us, even if you locate it. You may be liable for\nthe unauthorized use of your card. You will not be liable for unauthorized use that occurs after you notify TruMark\nFinancial at335 Commerce Drive, P.O. Box 8127, Fort Washington, PA 19034, (215) 953-5353, or 1-877TRUMARK, during normal business hours, weekdays, 8 a.m. to 8 p.m., Saturdays, 9 a.m. to 1 p.m., or Sundays 11\na.m. to 3 p.m. excluding holidays, or 1-888-822-2419 anytime outside normal business hours; orally or in writing, of\nthe loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.\n16. OTHER FEES AND CHARGES\nA $25 late payment FEE will be charged for payments on your Visa credit card received more than five (5) days after\nthe due date. One (1) late payment fee may be refunded for Smart Start credit cards only. We may charge you a $5 fee\nfor copies of any statements or other documents you request. A Foreign Transaction FEE of 2% of the amount of\nyour transaction in U.S. Dollars will be charged. A replacement credit card FEE of $5 will be charged to replace a credit\ncard. A replacement credit card FEE of $7 will be charged to replace a customized card with the same image. A\nreplacement credit card FEE of $9.95 will be charged to replace a customized card with a new image. There is an express\ndelivery FEE of $25 for expedited delivery of a replaced card. If research of any kind is completed on your account,\nthere will be a charge of $45 per hour. TruMark Financial may from time to time, upon such written notice to you as its\nBoard of Directors or applicable law may provide, impose any other charge or FEE. For full explanation of these fees\nand charges, see our Service Fee Disclosure at www.trumarkonline.org.\n\n17. DEFAULT\nYou will be in default if you fail to make a required minimum payment on time, exceed your credit limit, break one of\nyour promises under this agreement, have made a material misrepresentation to us in connection with this account,\nyou breach any other agreement you may have with us, or are delinquent on any other obligation to us. You will also\nbe in default if you die or become the subject of an insolvency, bankruptcy, or incompetency proceeding. If you are in\ndefault, we can close your account and require immediate payment of your entire account balance.\nIf you have granted us a security interest in any individual and joint share and/or deposit accounts you have with us,\nnow and in the future, to secure what you owe under this Agreement and Disclosure Statement, as provided in a\nseparate assignment of deposit account, we may exercise certain rights after you default as described hereafter. When\nyou are in default of any of your obligations under this Agreement and Disclosure Statement as it is amended or\nmodified, you authorize us to apply the balance in these accounts to any amounts due under the account. Shares and\ndeposits in an Individual Retirement Account (IRA), and any other account that would lose special tax treatment under\nstate or Federal law, if given as security, are not subject to the security interest you have given in your shares and\ndeposits.\nYou will be responsible for paying all overdraft advances obtained by you or a joint holder of the share draft account.\nIn addition to the loan covered by this Agreement and Disclosure Statement, this Agreement and Disclosure Statement\nsecures all amounts you owe to lender, whether owed now or later. This means that every loan you have now or\nobtain later with lender is secured by this Agreement and Disclosure Statement. This Agreement and Disclosure\nStatement also secures all other amounts and obligations that you may owe to lender (such as an overdraft on a\nchecking account).\n7\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0c18. COLLECTION COSTS AND ATTORNEY FEES\nIf after a default we refer this account to a collection agency or an attorney, you will have to pay reasonable collection\nor attorney fees plus any actual court or other costs paid to collect the amount you owe us.\n\n19. DELAY IN ENFORCEMENT\nWe can delay enforcement of any of our rights under this Agreement and Disclosure Statement without losing them.\n\n20. CLOSING YOUR ACCOUNT OR SUSPENDING ADVANCES\nYou may close your account at any time by notifying us in writing, returning the card cut in half and paying the full\naccount balance in accordance with the terms of this Agreement and Disclosure Statement. We may suspend your\ncard, loan draft or any other credit privileges under the account at any time without prior notice, for any reason. If we\nclose your account, we will mail or deliver a 45 day advance notice. If we close your account or suspend your credit\nprivileges, except to the extent required by law we will not be liable to you or anyone else for any outstanding card\ncharges or loan drafts we refuse to pay. Even if we close your account, you must still pay the account balance and any\nadditional FINANCE CHARGES. If we ask, you must return all cards and all unused loan drafts issued under this\nAgreement and Disclosure Statement, cut in half. We may issue a different card or different loan draft forms at any\ntime without notice, and if we do so you agree to use only the new forms.\n\n21. CHANGING TERMS OF AGREEMENT\nWe can change the terms of this Agreement and Disclosure Statement at any time. If we do so we will mail or\ndeliver to you a copy of these changes. We may give you written notice of changes in terms by printing it on your\nmonthly statement, including it with your monthly statement, or by sending you a separate notice. If by a separate\nagreement you authorize or have authorized notices by electronic mail or other electronic means, we may send you\nnotice by those electronic means and such notices will be deemed written notices for purposes of this Agreement and\nDisclosure Statement. When the change(s) become effective they will apply to the total balance of your account. If the\nchanges involve the circumstances under which the FINANCE CHARGE or any other fees will be imposed, any\nincrease in the FINANCE CHARGE or a change in the method of determining the FINANCE CHARGE or any\nother charge, your billing error rights, or an increase in your minimum monthly payment, we will give you written\nnotice of the change at least 45 days before the monthly billing period in which the change becomes effective. Any\nsuch change which involves an increase in the FINANCE CHARGE or the imposition or increase of any other fee or\ncharge will not apply to your account unless you (including any authorized user) use the card after the effective date\nof such change. If you do not wish to accept the change you may return all card(s) to us cut in half and you can then\ncontinue to pay the balance in your account under the terms of the Agreement and Disclosure Statement in effect\nbefore the change.\n\n22. PROHIBITED USES OF THE CARD AND ACCOUNT\nYou must not use the card or account\n1) for any unlawful purpose, including the purchase of goods or services prohibited by the laws of the United\nStates or any other country where the card is used or where goods or services are provided;\n2) if the card has been suspended or cancelled;\n3) if the card is found after having been reported as lost or stolen; or\n4) if a petition for bankruptcy is filed or if you do not honestly expect to be able to make the minimum required\nrepayment in full on receipt of your monthly statement.\n\n8\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0c23. CHANGE OF ADDRESS\nIf you move, you must give us your new address in writing. If you delay in notifying us of a new address, any notices\nand statements we send to your old address before we have had a reasonable time to process any address change you\ngive us will still be valid, even if you do not receive them.\n24. UPDATING & DISCLOSING FINANCIAL INFORMATION\nYou will provide facts to update information contained in your original account application or other financial\ninformation related to you at our request. You also agree that we may, from time to time, as we deem necessary, make\ninquiries pertaining to your employment, credit standing and financial responsibility in accordance with applicable\nlaws and regulations. You further agree that we may give information about the status and payment history of your\nAccount to consumer credit reporting agencies, and/or others who may properly receive such information.\n\n25. ARBITRATION OF DISPUTES AND CLAIMS\nEXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION SUBSTANTIALLY\nLIMITS OR AFFECTS YOUR RIGHTS. PLEASE READ IT CAREFULLY. NEITHER PARTY WILL HAVE\nTHE RIGHT TO HAVE A JURY DECIDE ANY CLAIM OR DISPUTE AND THE ABILITY OF EACH PARTY\nTO APPEAL IS LIMITED IN AN ARBITRATED MATTER. MOREOVER, NEITHER PARTY OR ANYONE\nACTING ON THEIR BEHALF CAN PURSUE A CLAIM OR DISPUTE IN A CLASS OR REPRESENTATIVE\nACTION.\nArbitration is a method of deciding disputes outside the court system. The parties agree and understand they choose\narbitration instead of litigation to resolve all claims and disputes not specifically excluded. This arbitration provision\n(the \xe2\x80\x9cArbitration Provision\xe2\x80\x9d) governs when and how any disputes you and we may have will be decided. All\ndisputes, claims, or controversies arising from or relating in any way to the agreements, relationships, accounts,\nincluding any applications and prior relationships between you and us; the relationships which result or arise as a\nresult of this Agreement and Disclosure Statement; any rights, privileges or services you receive from us now or in\nthe future; any claims or disputes arising in any bankruptcy or other insolvency proceeding specifically involving the\nparties\' rights under their agreements, valuation of any collateral, the validity or enforceability of any security interest\n(including any interest by way of cross-collateralization or a pledge of shares) or any ancillary proceedings that are\nnot exclusively within the jurisdiction of the United States Bankruptcy Courts; or the validity of this clause\n(collectively, the \xe2\x80\x9cApplicable Agreements\xe2\x80\x9d), shall be resolved by binding arbitration by a single arbitrator chosen\nwith the consent of both parties. The arbitrator must be an attorney with more than 10 years\xe2\x80\x99 experience or a retired\njudge. If for any reason the parties do not consent to an arbitrator within 30 days from the date that notice of a claim\nor intent to arbitrate is provided to the other party, then an arbitrator will be selected pursuant to the Rules of the\nAmerican Arbitration Association (the "AAA"). This arbitration provision is made pursuant to a transaction in\nInterstate Commerce, and shall be governed by the Federal Arbitration Act (the "FAA") at 9 U.S.C. \xc2\xa71, et seq., as\namended from time to time. It is understood and agreed this Agreement and Disclosure Statement, your account, all\ntransactions related to your account, and any dispute defined herein shall involve Interstate Commerce. If any dispute\nbetween us does not involve Interstate Commerce, such dispute shall be governed by the Arbitration Act for the State\nset forth in this Agreement and Disclosure Statement, as amended from time to time, in which case all references to\nthe FAA herein shall be to said State Act. If the State has no Arbitration Act, then the parties will be governed by the\nRules of the American Arbitration Act in any matter not involving Interstate Commerce. The parties agree and\nunderstand that the arbitrator shall have all power provided by the law and this arbitration provision to make and\nenter findings of fact and determination of judgment based on the applicable agreements and applicable law,\nincluding but not limited to, the rights of possession, off-set, property rights, money damages, declaratory relief, and\ninjunctive relief. No arbitrator shall have the jurisdiction or authority to add to, take from, nullify or modify, any of\nthe terms of the applicable agreements. The arbitrator shall be bound by the facts and evidence submitted to him or\nher. Arbitration will be subject to the rules of procedure and evidence consistent with the Rules of the American\nArbitration Act, and the arbitrator will not apply federal or state rules. The decision of the arbitrator shall be final and\n9\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cbinding and may be enforced in accordance with the terms of either the Federal or applicable State Law, except for\nany specific appeal right regarding a judgment under the FAA or a judgment in excess of $100,000. For these\njudgments, any party may appeal to a three-arbitrator panel appointed by and under the rules of the AAA. The\ndecision of the panel will be by majority vote and will be final and binding except for any specific appeal right under\nthe FAA. All of the terms of this arbitration provision will apply to such three-arbitrator panel. Judgment upon the\naward rendered may be entered in any court having jurisdiction.\nTHE PARTIES AGREE AND UNDERSTAND ALL DISPUTES (INCLUDING ALL LEGAL AND EQUITABLE\nRIGHTS AND REMEDIES) ARISING UNDER CASE LAW, STATUTORY LAW, AND ALL OTHER LAWS\nINCLUDING, BUT NOT LIMITED TO, ALL CONTRACT, TORT, REGULATORY, AND PROPERTY\nDISPUTES WILL BE SUBJECT TO BINDING ARBITRATION IN ACCORD WITH THIS ARBITRATION\nPROVISION.\nNotwithstanding anything herein to the contrary, TruMark Financial retains an option to use judicial or non-judicial\nrelief to enforce a security agreement relating to any collateral pledged to secure the Applicable agreements between\nthe parties, to enforce all monetary obligations by you to TruMark Financial so long as there is no dispute, or to\nforeclose on any collateral securing your obligations to us by way of replevin, claim and delivery, or otherwise. The\ninitiation and maintenance of an action for judicial relief in a court on the foregoing terms shall not constitute a\nwaiver of the right of any party to compel arbitration regarding any other dispute or remedy subject to arbitration in\nthis arbitration provision, including the filing of a counterclaim in a suit brought by TruMark Financial pursuant to\nthis provision.\nAny arbitration proceeding will take place in the federal judicial circuit where you live. If you cannot afford to pay\nthe fees charged by the arbitrator or any panel for an appeal as provided herein, we will consider in our sole\ndiscretion any reasonable written request by you for us to pay the fees. We will pay any fees or costs specifically\nrequired by applicable law. However, each party must bear the expense of that party\'s attorneys, experts, and\nwitnesses, regardless of who wins the arbitration, except to the extent that applicable law specifically requires\notherwise. The rules of the AAA will be applied to any arbitration between the parties, except in the event of any\ninconsistency between this arbitration provision and the rules of the AAA, in which case this arbitration provision\nshall govern. Any costs we pay in order for you to bring a proceeding hereunder are subject to being awarded to us\nupon a ruling or award by the arbitrator which is favorable to TruMark Financial. The AAA and other legal\nassistance services may be able to refer you to legal assistance from government or non-profit organizations that\nprovide assistance to those who can show a financial need for such assistance.\n26. SEVERABILITY\nIf any provision of this Agreement and Disclosure Statement is held invalid or unenforceable by any court of\ncompetent jurisdiction, the other provisions hereof shall remain in full force and effect. Any provision of this\nAgreement or Disclosure Statement held invalid or unenforceable only in part or degree will remain in full force and\neffect to the extent not held invalid or unenforceable.\n27. WHAT LAW APPLIES\nThis Agreement and Disclosure Statement is made in the Commonwealth of Pennsylvania and will be governed by\nPennsylvania law except in those instances where Federal Law controls.\n28. HOW TO CONTACT US\nYou may contact us at the following address and phone number:\n\n10\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cTruMark Financial Credit Union\n335 Commerce Drive\nP.O. Box 8127\nFort Washington, PA 19034\n(215) 953-5353\n29. YOUR BILLING RIGHTS\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE.\nThis notice contains important information about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nTruMark Financial Credit Union\n335 Commerce Drive\nP.O. Box 8127\nFort Washington, PA 19034\nATTN: Visa Department\nIn your letter, give us the following account information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nYour name and account number\nDollar Amount: The dollar amount of the suspected error; and\nDescription of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake\n\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement; and\n\xef\x82\xb7 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\nto investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Received Your Letter\nWhen we received your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in questions, you are responsible for the remainder of\nyour balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\n11\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question, any interest, or other\n\n12\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0c\xef\x82\xb7\n\nfees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 for the amount\nyou question even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With your Credit Card Purchases\nIf you are dissatisfied with the goods or services you have purchased with your credit card and you have\ntried 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 prices must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we\nown 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\nfrom 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, contact us in writing\nat:\nTruMark Financial Credit Union\n335 Commerce Drive\nP.O. Box 8127\nFort Washington, PA 19034\nATTN: Visa Department\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n\n13\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cLOST OR STOLEN CARD\nIf your TruMark Financial VISA Card has been lost or stolen or an unauthorized transfer from your\naccount has occurred or may occur, please contact one of the following phone numbers:\n(215) 953-5353 or 1-877-TRUMARK during normal business hours, weekdays, 8 a.m. to 8 p.m.,\nSaturdays, 9 a.m. to 1 p.m., and Sunday\xe2\x80\x99s 11 a.m. to 3 p.m.; excluding holidays, or 1-888-822-2419 outside\nnormal business hours. You may also confirm such information about your lost or stolen VISA Card by writing\nto:\nTruMark Financial Credit Union\n335 Commerce Drive, P.O. Box 8127\nFort Washington, PA 19034\nATTN: Visa Department\n\n14\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cDisclosure Table\nInterest Rates and Interest Charge\nAnnual Percentage Rate*\n(APR) to Purchases, Balance\nTransfers, Convenience\nchecks, and Cash Advances\nPlatinum Visa:\n\nThe purchase APRs (other than the introductory APR) will vary with the market\nbased on the Prime Rate.\n\n1.99% (introductory) until 6 months after we mail you your initial credit\ncard. After that your APR will be 8.49% to 15.49% depending on our\nreview of your application and credit worthiness. Permanent introductory rate will\napply to all charges on your account after six (6) months, even those charges\nmade during the introductory period.\n\nRewards and Smart Start Visa:\n\n1.99% (introductory) until 6 months after we mail you your initial credit card.\nAfter that your APR will be 9.24% to 16.24% depending on our\nreview of your application and credit worthiness. Permanent introductory rate will\napply to all charges on your account after six (6) months, even those charges\nmade during the introductory period\n\nVisa Signature and\nCash Back Visa Signature:\nPenalty APR and When it\nApplies\nPaying interest\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\n11.24% to 17.24% depending on our review of your\n\nYour APR will be\napplication and credit worthiness.\nNone\n\nYour due date is 28 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nNone\nTo learn more about the factors to consider when applying for our using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transaction\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Over-the-Credit Limit\n\xef\x82\xb7 Returned Payment\n\n15\n\nNone\nNone\nNone\n2% of the amount of your transaction in U.S. Dollars.\n\n$25 Charged 5 days after the due date **\nN/A\n$29\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cOther Fees\n\xef\x82\xb7 Replacement Credit Card\n\xef\x82\xb7 Customized Card:\nSame Image:\nNew Image:\n\xef\x82\xb7 Express delivery of card:\n\xef\x82\xb7 Copies of Statements\n\xef\x82\xb7 Stop Payment\n\xef\x82\xb7\n\n$5\n$7\n$9.95\n$25\n$5\nUp to $32 per request or series of checks.\n$45 per hour\n\nResearch Fee\n\nHow We Will Calculate your Balance: We us a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement and Disclosure Statement.\n*For more details on how the ANNUAL PERCENTAGE RATE, \xe2\x80\x9cIndex\xe2\x80\x9d and \xe2\x80\x9cMargin\xe2\x80\x9d are determined and the impact of any increase,\nsee the section of this Agreement titled, \xe2\x80\x9cPeriodic Rates and Calculations of Finance Charges.\xe2\x80\x9d\n** You are entitled to a one-time late payment forgiveness which be automatically credited to your account upon the assessment of\nyour first late fee. No further late fee forgiveness will be given.\n\n16\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cThis Guide to Benefit describes the benefit in effect as of 3/1/08. This benefit and description supersedes any prior benefit and\ndescription you may have received earlier. Please read and retain for your records. Your eligibility is determined by the date\nyour financial institution enrolled your account in the benefit.\n\nYour Visa Card Guide to Benefit\nAuto Rental Collision Damage Waiver\nFor questions about your balance, call the customer service number on your Visa statement.\n\nWhat is this benefit?\nWhen certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit (\xe2\x80\x9cAuto Rental CDW\xe2\x80\x9d)\nprovides\xe2\x80\x94at no additional charge\xe2\x80\x94reimbursement for damage due to collision or theft up to the actual cash value of most\nrental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible\ninsurance from any other source. We will reimburse only for that damage or theft not payable by any other party. Here are\nanswers to some commonly asked questions about the benefit.\nWho is eligible?\nYou are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.-issued Visa card. Only\nyou as the primary renter of the vehicle and any additional drivers permitted by the auto rental agreement are covered.\nWhat is covered?\nSubject to the terms and conditions in this Guide to Benefit, Visa Auto Rental CDW reimburses you for the deductible\nportion of your personal automobile insurance, valid administrative and loss-of use charges imposed by the rental car\ncompany, as well as reasonable towing charges resulting from covered damage or theft of the rental vehicle while it is\nyour responsibility. If you do not have personal automobile insurance or any other insurance covering this loss, this benefit\nreimburses you for the covered damage or theft as well as valid administrative and loss-of-use charges imposed by the auto\nrental company and reasonable towing charges. Only vehicle rental periods that neither exceed nor are intended to 15\nconsecutive days within your country of residence or 31 consecutive days outside your country of residence are covered.\nThe benefit provides reimbursement up to the actual cash value of the vehicle as it was originally manufactured. Most\nprivate passenger automobiles, minivans, and sport utility vehicles are eligible, but some restrictions may apply. Please\ncontact the Benefit Administrator to inquire about a specific vehicle.\nWithin your country of residence, this benefit supplements, and applies excess of, any valid and collectible\ninsurance or reimbursement from any source. This means that, subject to the terms and conditions of this Guide to\nBenefit, Visa Auto Rental CDW applies to losses or expenses that are not covered by insurance or reimbursement.\nCovered losses are:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nPhysical damage and/or theft of the covered rental vehicle\nValid loss-of-use charges imposed and substantiated by the auto rental company through a fleet utilization\nlog.\nReasonable and customary towing charges, due to a covered loss, to the nearest qualified repair facility.\n\nHow do I activate this benefit?\nFor the benefit to be in effect, you must:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\n17\n\nInitiate and complete the entire rental transaction with your eligible Visa card, and\nDecline the auto rental company\xe2\x80\x99s collision damage waiver (CDW/LDW) option, or similar provision, if\noffered by the auto rental company.\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cHelpful hints:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nCheck the rental vehicle for prior damage before leaving the rental lot.\nReview the auto rental agreement carefully to make sure you are declining CDW/LDW and also to familiarize\nyourself with the terms and conditions of the auto rental agreement.\n\nWhat do I do if I have an accident or the rental vehicle is stolen?\nImmediately call the Benefit Administrator at 1-800-VISA-911 to report the theft or damage regardless of whether\nyour liability has been established. If you are outside the United States, call collect at 0-410-581-9994. The Benefit\nAdministrator will answer any questions you or the rental agency may have and will then send you a claim form.\nAll incidents must be reported immediately following the theft or damage, but in no event later than forty-five (45)\ndays* following the date of the theft or damage. Furthermore, we reserve the right to deny any claim that contains\ncharges that would not have been included had the Benefit Administrator been notified before those expenses were\nincurred. We therefore advise you to notify us immediately after any loss. You must make every reasonable effort to\nprotect the rental vehicle from damage or theft.\nWhat is not covered?\nAny obligation you assume under any agreement (other than the deductible under your personal auto policy).\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAny violation of the auto rental agreement or this benefit.\nInjury of anyone or damage to anything inside or outside the rental vehicle.\nLoss or theft of personal belongings.\nPersonal liability.\nExpenses assumed, waived, or paid by the rental agency or its insurer.\nCost of any insurance or collision damage waiver offered by or purchased through the auto rental company.\nDepreciation of the rental vehicle caused by loss or damage including, but not limited to \xe2\x80\x9cdiminished value.\xe2\x80\x9d\nExpenses reimbursable by your insurer, employer, or employer\xe2\x80\x99s insurance.\nLoss due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs,\nor due to contraband or illegal activities.\nWear and tear, gradual deterioration, or mechanical breakdown.\nItems not installed by the original manufacturer.\nLoss due to off-road operation of the rental vehicle.\nLoss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or insurrection).\nConfiscation by authorities.\nVehicles that do not meet the definition of covered vehicles.\nRental periods that either exceed or are intended to exceed 15 consecutive days within your country of\nresidence or 31 consecutive days outside your country of residence.\nLeases and mini leases.\nLoss or damage as a result of the cardholder\xe2\x80\x99s lack of reasonable care in protecting the rental vehicle before\nand after damage occurs (for example, leaving the vehicle running and unattended).\nLosses reported more than 45 days* from the date of loss.\nLosses for which a claim form has not been received within 90 days* from the date of loss.\nLosses for which all required documentation has not been received within 365 days from the date of loss.\nLosses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or Northern\nIreland.\n\nWhat if the auto rental company insists that I purchase the auto rental company\xe2\x80\x99s auto insurance or collision\ndamage waiver?\nCall the Benefit Administrator at 1-800-VISA-911 for help. If you are outside the United States, call collect at 0-410-5819994.\n18\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cWhen and where do I have this benefit?\nThis benefit is available in the United States and most foreign countries. No benefit is provided for motor vehicles\nrented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, this benefit is not available\nwhere precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual\nmerchants. Because regulations vary outside the United States, we recommend you check with your auto rental\ncompany and the Benefit Administrator before you travel to make sure Visa Auto Rental CDW will apply.\nThis benefit is in effect while the rental vehicle remains in your control or in the control of a person permitted to operate\nthe rental vehicle in accordance with the rental agreement between you and the auto rental company. This benefit\nterminates when the auto rental company re-assumes control of the rental vehicle.\nHow does this benefit apply?\nWithin your country of residence, Visa Auto Rental CDW supplements, and applies excess of, any valid and collectible\ninsurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto\nrental company; it will not pay for losses reimbursed by your own insurer, employer, employer\xe2\x80\x99s insurance, or any other\nvalid and collectible insurance; however, it will pay for the outstanding deductible portion or other charges, including\nvalid administration and loss-of-use charges not covered by your applicable automobile insurance policy. Outside your\ncountry of residence or if you do not have automobile insurance, this benefit is primary in those countries where it is\navailable, and in that case, you do not have to claim payment from any other source of insurance before receiving the\nbenefits.\nWhat types of rental vehicles are not covered?\nExcluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed;\ntrucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles. Examples of excluded expensive or\nexotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini,\nLotus, Maserati, Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln\nare covered.\nAn antique automobile is defined as any vehicle over 20 years old or any vehicle that has not been manufactured for 10\nyears or more.\nThis benefit is provided for only those vans manufactured and designed to transport a maximum of eight (8) people and\nwhich is used exclusively to transport people.\nIf you have any questions regarding a specific vehicle, call the Benefit Administrator at 1-800-VISA-911. If you are\noutside the United States, call collect at 0-410-581-9994.\nWhat do I need from the auto rental company in order to file a Visa Auto Rental CDW claim?\nAt the time of the damage or theft, or when you return the rental vehicle, immediately ask the auto rental company for:\nA copy of the Accident Report Form and claim document, which should indicate the costs you are responsible for and any\namounts that have been paid toward the claim.\n\xef\x82\xb7 A copy of the initial and final auto rental agreement(s).\n\xef\x82\xb7 A copy of the repair estimate or itemized repair bill.\n\xef\x82\xb7 Two (2) photographs of the damaged vehicle, if available.\n\xef\x82\xb7 A police report, if obtainable.\nHow do I file a claim?\nYou, the cardholder, are responsible for reporting your claim to the Benefit Administrator immediately, but in no\nevent later than 45 days* from the date of theft or damage, or your claim may be denied. Notice to any other party\nwill not suffice. Furthermore, we reserve the right to deny any claim that contains charges that would not have been\nincluded had the Benefit Administrator been notified before those expenses were incurred. We therefore advise you to\nnotify us immediately after any theft or damage.\n\n\xef\x82\xb7\n\nMail the following documentation to the Benefit Administrator:\nThe completed and signed Visa Auto Rental CDW Claim Form. Your completed claim form must be\npostmarked within 90 days* of the date of the damage or theft, even if all other required documentation is\nnot yet available, or your claim may be denied.\n19\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cA copy of your receipt or monthly billing statement as proof that the entire vehicle rental was charged and paid\nfor with your eligible Visa card.\n\xef\x82\xb7 A statement from your insurance carrier (and/or your employer or employer\xe2\x80\x99s insurance carrier, if applicable) or\nother reimbursement showing the costs for which you are responsible and any amounts that have been paid\ntoward the claim. Or, if you have no applicable insurance or reimbursement, please provide a notarized statement\nto that effect.\n\xef\x82\xb7 A copy of the declaration page from your automobile insurance carrier.\n\xef\x82\xb7 Enclose all the documents you received from the auto rental company:\n\xef\x82\xb7 A copy of the Accident Report Form.\n\xef\x82\xb7 A copy of the entire auto rental agreement(s).\n\xef\x82\xb7 A copy of the repair estimate or itemized repair bill.\n\xef\x82\xb7 Two (2) photographs of the damaged vehicle, if available.\n\xef\x82\xb7 A police report, if obtainable.\n\xef\x82\xb7 Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim.\nFor faster filing, submit your claim online. It\xe2\x80\x99s easy, convenient, and available at no extra cost to eligible Visa\ncardholders. To submit your claim and learn more about Visa Auto Rental CDW go to the Visa Auto Rental CDW Claim\nCenter at www.visa.com/eclaims.\nIf you experience difficulty in obtaining all the required documents within 90 days* of the date of theft or damage,\njust submit the claim form and any documentation you already have available. NOTE: All remaining documents\nmust be postmarked within 365 days of the date of theft or damage.\n*Not applicable to residents of certain states.\nDo I have to do anything else?\nUsually not. Under normal circumstances, the claim will be paid within 15 days after the Visa Auto Rental CDW Benefit\nAdministrator has received all documentation necessary to fully substantiate your claim.\nHowever, after the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of\nthis theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to you.\nYou must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.\nAdditional Provisions for Auto Rental CDW:\nYou must make every effort that would be made by a reasonable and prudent person to protect the Rental Vehicle from\ndamage or theft. This provision will not be unreasonably applied to avoid claims.\nIf you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair\nservices, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder agrees that\nrepresentations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case\nof fraud, intentional concealment, or misrepresentation of material fact by the cardholder.\nOnce you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the date of the\ndamage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by the\nBenefit Administrator within 12 months of the date of damage or theft.\nNo legal action for a claim may be brought against us until 60 days after we receive Proof of Loss. After the expiration of\nthree (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this\nbenefit. Further, no legal action may be brought against us unless all the terms of this Guide to Benefit have been\ncomplied with fully.\nThis benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions contained in this\nGuide to Benefit may be modified by subsequent endorsements. Modifications to the terms and conditions may be\n20\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0cprovided via additional Guide to Benefit mailings, statement inserts, or statement messages. The benefit described in this\nGuide to Benefit will not apply to Visa cardholders whose accounts have been suspended or canceled.\nTermination dates may vary by financial institutions. Visa and/or your financial institution can cancel or non-renew the\nbenefit, and if we do, we will notify you at least 30 days in advance. This information is a description of the benefit\nprovided to you as a Visa cardholder. It is insured by Indemnity Insurance Company of North America.\nFor general questions regarding this benefit, call the Benefit Administrator at 1-800-VISA-911. If you are outside the\nUnited States, call collect at 0-410-581-9994.\n\n21\n\nTruMark Financial Credit Union\nVISA Agreement and Disclosure Statement\nB-FS 25 12/15\n\n\x0c'


b'WILDFIRE CREDIT UNION\n\nP.O. Box 3285 \xe2\x80\xa2 Saginaw, MI 48605 \xe2\x80\xa2 (989) 249-8200 \xe2\x80\xa2 (800) 227-2328\n\nVISA\xc2\xae PLATINUM CREDIT CARD APPLICATION-AGREEMENT\nAND TRUTH-IN-LENDING DISCLOSURE STATEMENT\nIn this Application-Agreement and Truth-In-Lending Disclosure Statement, the\nwords \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply and are approved\nfor the card. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA\xc2\xae Credit Card and any duplicates and\nrenewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA\xc2\xae Credit Card Line of Credit\naccount with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean this Credit Union.\n1.\n\nResponsibility. If we issue you a card, you agree to repay all debts and the\nFINANCE CHARGE arising from the use of the card and the card account.\nFor example, you are responsible for charges made by yourself, your spouse\nand minor children. You are also responsible for charges made by anyone\nelse to whom you give the card, and this responsibility continues until the\ncard is recovered. You cannot disclaim responsibility by notifying us, but\nwe will close the account for new transactions if you so request and return\nall cards. Your obligation to pay the account balance continues even though\nan agreement, divorce decree or other court judgment to which we are not a\nparty may direct you or one of the other persons responsible to pay the\naccount. Any person using the card is jointly responsible with you for\ncharges he or she makes, but if that person signs the card he or she becomes\na party to this Agreement and is also jointly responsible for all charges on\nthe account, including yours.\n\n2.\n\nCredit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its amount when we issue the\ncard. You agree not to let the account balance exceed this approved Credit\nLine. Each payment you make on the account will restore your Credit Line\nby the amount of the payment which is applied to principal. You may\nrequest an increase in your Credit Line, which must be approved by our\ncredit committee or loan officer. By giving you written notice, we may\nincrease or decrease your Credit Line from time to time, or with good cause,\nrevoke your card and terminate this Agreement. Good cause includes your\nfailure to comply with this Agreement, or our adverse reevaluation of your\ncreditworthiness. You may also terminate this Agreement at the time, but\ntermination by either of us does not affect your obligation to pay the account\nbalance. The cards remain our property and you must recover and surrender\nto us all cards upon our request and upon termination of this Agreement.\n\n3.\n\nUsing the Card. To make a purchase or cash advance, present the card to the\nparticipating VISA\xc2\xae plan merchant, to us or to another financial institution,\nand sign the sales or cash advance draft which will be imprinted with your\ncard. You will receive a copy of the draft which you should retain to verify\nyour monthly statement. We reserve the right to make a reasonable charge\nnot exceeding ($2.00) each for photostatic copies of drafts you may request.\n\n4.\n\n5.\n\nMonthly Payment. We will mail you a statement every month showing your\nPrevious Balances of purchases and cash advances, the current transactions\non your account, the remaining credit available under your Credit Line, the\nNew Balances of purchases and cash advances, the Total New Balance, the\nFINANCE CHARGE due to date, and the Minimum Payment required.\nEvery month you must pay at least the Minimum Payment by the due date.\nBy separate agreement, you may authorize us to charge the Minimum\nPayment automatically to your share or checking account with us. You may,\nof course, pay more frequently, pay more than the Minimum Payment, or\npay the Total New Balance in full, and you will reduce the FINANCE\nCHARGE by doing so. The Minimum Payment will be either 3% of your\nTotal New Balance, or $10.00 whichever is greater, or (b) your Total New\nBalance, if it is less than $10.00, plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains unpaid. In\naddition, at any time your Total New Balance exceeds your Credit Line, you\nmust immediately pay the excess upon our demand. We will apply your\npayments first to previously billed and unpaid FINANCE CHARGE on\npurchases; then to previously billed and unpaid FINANCE CHARGE on\ncash advances; then to any late fees; then to previously billed purchases;\nthen to previously billed cash advances; and then to new purchases, whether\nor not billed on the monthly statement. Purchases and cash advances will be\npaid off in the order they were posted to your account. (Credit insurance\npremiums are considered purchase items for the period billed.)\nFinance Charges. You can avoid FINANCE CHARGES on purchases by\npaying the full amount of the New Balance of Purchases each month by the\ndue date. Otherwise, an average daily balance computation method will be\napplied to the New Balance of Purchases and subsequent purchases from\nthe date they are posted to your account. Each average daily balance\ncomputation will be subject to FINANCE CHARGE from the date they are\nposted to your account. FINANCE CHARGE (interest) is calculated at the\nperiodic rate of .742% - 1.05% per month (ANNUAL PERCENTAGE\nRATE OF 8.9% - 12.6%), on the aver-age daily principal balances of\npurchases and cash advances you make and debit adjustments we make\nduring the statement period. The daily principal balances are totaled, and\ndivided by the number of days in the statement period, to produce separate\naverage daily principal balances for purchases and cash advances to which\nthe periodic rate is then applied. Insurance charges, late fees and annual fee\nare included in the daily balance of New Purchases on the date they are\nposted to the account.\n\n6.\n\nFees. Late Payment Fee. If you fail to pay the Minimum Payment Due\nwithin 10 days from the Minimum Payment Due Date, we may charge, and\nyou agree to pay, a late payment fee of up to $20.00.\nAnnual Fee. There is no annual fee.\nReturned Check Fee. If any check or other instrument given as payment on\nyour account is uncollectible or is dishonored for any reason, we may charge\nyou and you agree to pay a Returned Fee of up to $30.00. We do not have\nto attempt to collect any check more than once.\nReplacement Card Fee. If you need to replace a lost/stolen/damaged Visa credit\ncard, we may charge you up to $5.\nWith proper notice, the Credit Union reserves the right to change fees as may be\ndeemed necessary. Such fees may be automatically charged and non-refundable.\n\n7.\n\nCredits. If merchants who honor your card give you credit for returns or\nadjustments they will do so by sending us a credit slip which we will post to\nyour account. If your credits and payments exceed what you owe us, we\nwill hold and apply this credit balance against future purchases and cash\nadvances, or refund it on your written request if it is $1 or more.\n\n8.\n\nSecurity Interest. To secure your account, you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you\npurchase through the account. If you default, we will have the right to\nrecover any of these goods which have not been paid for through our application of your payments in the manner described in paragraph 4. If you give\nor have given us a specific pledge of your Credit Union shares (deposits) by\nsigning a Pledge of Shares, or otherwise, or any other security interests\nsecuring repayment of all your debts to the Credit Union, your account will\nalso be secured by the pledge or other property described in those security\nagreements, except for your home. We reserve any statutory right we may\nhave if you are in default to offset our losses against any of your other\ndeposit accounts in our possession, applying such amounts as stated under\nParagraph 4.\n\n9.\n\nForeign Transactions. Purchases and cash advances you make in foreign\ncountries and foreign currencies will be billed to you in U.S. dollars. The\nconversion to dollars will be made in accordance with the VISA\xc2\xae operating\nregulations for international transactions.\nA 1% International Transaction Fee will be assessed on all transactions\nwhere the merchant country differs from the country of the card issuer.\nSingle currency international transactions (cross border transactions where\ncurrency conversions do not take place) will assess a 0.8 percent fee. The\nconverted transaction amount will be shown separately from the\nInternational Transaction Fee on your credit union statement. This fee will\nbe assessed on all international purchases, credit vouchers, and cash\ndisbursements.\nThe exchange rate for transactions in a foreign currency will be a rate\nselected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from\nthe rate Visa itself receives, or the government mandated rate in effect for\nthe applicable central processing date, plus 1%.\n\n10. Plan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your card. We may be subject to\nclaims and defenses (other than tort claims) arising out of goods or services\nyou purchase with the card as explained in the billing rights notice. Any\nother disputes you must resolve directly with the plan merchant.\n11. Default. You will be in default if you fail to make any Minimum Payment by\nthe due date. You will also be in default if your ability to repay us is\nmaterially reduced by a change in your employment, an increase in\nyour obligations, bankruptcy or insolvency proceedings involving you,\nyour death or your failure to abide by this Agreement, or if the value of our\nsecurity interest materially declines. We have the right to demand immediate\npayment of your full account balance if you default, subject to our giving\nyou any notice required by law. To the extent permitted by law, you will also\nbe required to pay our collection expense, including court costs and\nreasonable attorneys\xe2\x80\x99 fees.\n12. Credit Information. You authorize us to investigate your credit standing\nwhen opening, renewing or reviewing your account, and you authorize us to\ndisclose information regarding your account to credit bureaus and other\ncreditors who inquire of us about your credit standing, to the extent\nauthorized in our By-Laws.\n13. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your account even though the sales, cash advance or credit\nslips you sign may contain different terms.\n\n\x0c14. Loss or Theft of Card. You agree to notify us immediately upon\ndiscovering that your Card has been lost or stolen at 1-800-227-2328.\n15. Member Liability. You agree to notify us immediately, orally or in writing at\nWildfire Credit Union, 6640 Bay road, P.O. Box 3285 Saginaw, MI 48605\nPhone (989) 249-8200, of the loss, theft, or unauthorized use of your credit\ncard. You may be liable for the unauthorized use of your credit card. You\nwill not be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. In any case your liability will not\nexceed $50 for unauthorized cash advances at ATMs. You will have no\nliability for unauthorized purchases made with your credit card.\n16. Illegal Transactions. Cardholder agrees that all transactions that are initiated\nby use of the card shall be legal in the jurisdiction where cardholder lives\nand/or the transaction occurred. Issuer may decline to authorize any transaction that issuer believes poses an undue risk of illegality or unlawfulness.\nInternet gambling may be illegal in the jurisdiction in which cardholder is\nlocated, including the United States. The card cannot be used for illegal\ntransactions. Display of a payment card logo by an online merchant does\nnot mean that internet transactions are legal in the jurisdiction in which\ncardholder is located. Issuer shall decline to authorize any transaction issuer\nbelieves poses an undue risk of illegality or unlawfulness.\n17. Amendment of Agreement. From time to time, we may amend this\nAgreement upon written notice to you by mailing you a copy of the\nproposed amendment at least 15 days prior to the statement period during\nwhich the amendment is to become effective. The notice will be sent to your\nlast known address appearing in our records when it is sent, and will state\nthe date upon which the amendment will become effective. The notice will\nalso advise of the extent, if any, the amendment will apply to your then\nexisting obligations under this Agreement.\n18. Cash Advance by Machine. If automated teller machines or other electronic\ndevices are available while this Agreement remains in effect which make it\npossible for you to obtain a cash advance by use of your Card in such a\nmachine, we will furnish you with a secret personal identification number.\nYour use of that number, together with your Card, in getting a cash advance\nfrom such a machine is agreed to constitute your signature for purposes of\nsuch cash advance.\n\n19. Record Keeping. You hereby agree that we may keep the portion of this\nAgreement which bears your signature so that we can comply with federal\nand/or state laws relating to loan documents we are required to keep in our\nfiles.\n20. CA RESIDENTS: You may apply for credit in your own name regardless of\nyour marital status.\n21. IL RESIDENTS: Comparative information available from the Illinois\nCommission of Banks and Trusts Companies, P. O. Box 10181, Springfield,\nIL 62791; 1-800-634-5452.\n22. NY RESIDENTS: Comparative information available from the New York State\nBanking Department 1-800-518-8866.\n23. OH RESIDENTS: Credit must be equally available to all those that are creditworthy and credit bureaus must maintain separate credit histories on each\nindividual upon request. You may contact the Ohio Civil Rights\nCommission regarding compliance with this law.\n24. WI RESIDENTS: No provision of any marital property agreement,\nunilateral statement, separation or property settlement agreement, or court\ndecree in a divorce or legal separation, will affect a creditor\xe2\x80\x99s interest\nunless, prior to the time credit is granted, the creditor is furnished a copy of\nthe agreement, statement or decree, or has actual knowledge of the adverse\nprovision when the obligation to the creditor is incurred. Therefore, you\nmust provide the Credit Union with a copy of any such documentation, and\nthe name and address of your spouse so that we may provide such\ndisclosures as required under the applicable Wisconsin laws.\n25. NOTICE OF MILITARY APR: Federal law provides important protections\nto members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of\nthe Armed Forces on active duty or active Guard or Reserve duty and\nhis/her dependent(s) may not exceed an annual percentage rate of 36% for\ncertain types of consumer loans. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees\nfor specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n\nIN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL\nThe Federal Truth in Lending Act requires prompt correction of billing mistakes.\n1.\n\n4.\n\nIf it is determined that the Credit Union has made a mistake on your bill, you\nwill not have to pay any finance charges on the amount in dispute. If it turns\nout that the Credit Union has not made an error, you may have to pay\nfinance charges on the amount in dispute, and you will have to make up any\nmissed minimum or required payments on the disputed amount. Unless you\nhave agreed that your bill was correct, the Credit Union must send you a\nwritten notification of what you owe; and if it is determined that the Credit\nUnion did make a mistake in billing the disputed amount, you must be\ngiven the time to pay which you normally are given to pay undisputed\namounts before any more finance charges on the DISPUTED AMOUNT\ncan be charged to you.\n\n5.\n\nIf the Credit Union\xe2\x80\x99s explanation does not satisfy you and you notify the\nCredit Union IN WRITING within 10 days after you receive its explanation\nthat you still refuse to pay the disputed amount, the Credit Union may report\nyou to credit bureaus and other creditors and may pursue regular collection\nprocedures. But the Credit Union must let you know to whom such reports\nwere made. Once the matter has been settled between you and the Credit\nUnion, the Credit Union must notify those to whom the Credit Union reported you as delinquent of the subsequent resolution.\n\n6.\n\nIf the Credit Union does not follow these rules, the Credit Union is not\nallowed to collect the first $50 of the disputed amount and finance charges\nthereon, even if the bill turns out to be correct.\n\n7.\n\nIf you have a problem with property or services purchased with a credit\ncard, you may have the right not to pay the remaining amount due on them,\nif you first try in good faith to return them or give the merchant a chance to\ncorrect the problem. There are two limitations on this right:\n\nIf you want to preserve your rights under the Act, here\xe2\x80\x99s what to do if you\nthink your bill is wrong or if you need more information about an item on\nyour bill:\na.\n\nDo not write on the bill. On a separate sheet of paper write (you may\ntelephone your inquiry but DOING SO WILL NOT PRESERVE YOUR\nRIGHTS UNDER THIS LAW) the following:\ni.\n\nYour name and account number.\n\nii.\n\nA description of the error and an explanation (to the extent you can\nexplain) why you believe it is an error. If you only need more\ninformation, explain the item you are not sure about and, if you\nwish, ask for evidence of the charge such as a copy of the charge\nslip. Do not send in your copy of a sales slip or other document\nunless you have a duplicate copy for your records.\n\niii. The dollar amount of the suspected error.\niv. Any other information (such as your address) which you think will\nhelp the Credit Union identify you or the reason for your complaint\nor inquiry.\nb.\n\nSend your billing error notice to the address on your bill which is\nlisted after the words: \xe2\x80\x9cSend Inquiries To:\xe2\x80\x9d or similar wording.\nMail it as soon as you can, but in any case, early enough to reach\nthe Credit Union within 60 days after the bill was mailed to you. If\nyou have authorized the Credit Union to automatically pay your\nVISA\xc2\xae bill from your share or deposit account, you can stop or\nreverse payment on any amount you think is wrong by mailing\nyour notice so the Credit Union received it within 16 days after the\nbill was sent to you. However, you do not have to meet this 16-day\ndeadline to get the Credit Union to investigate your billing error\nclaim.\n\n2.\n\nThe Credit Union must acknowledge all letters pointing out possible errors\nwithin 30 days. Within 90 days after receiving your letter, the Credit Union\nmust either correct the error or explain why the Credit Union believes the\nbill was correct. Once the Credit Union has explained the bill, the Credit\nUnion has no further obligation to you even though you still believe that\nthere is an error, except as provided in paragraph 5 below.\n\n3.\n\nAfter the Credit Union has been notified, neither the Credit Union nor an\nattorney nor a collection agency may send you collection letters or take\nother collection action with respect to the amount in dispute but periodic\nstatements may be sent to you, and the disputed amount can be applied\nagainst your credit limit. You cannot be threatened with damage to your\ncredit rating or sued for the amount in question, nor can the disputed amount\nbe reported to a credit bureau or to other creditors as delinquent until the\nCredit Union has answered your inquiry. HOWEVER, YOU REMAIN\nOBLIGATED TO PAY THE PARTS OF YOUR BILL NOT IN DISPUTE.\n\na.\n\nYou must have bought them in your home state or if not within your\nhome state within 100 miles of your current mailing address; and\n\nb.\n\nThe purchase price must have been more than $50.\nHowever, these limitations do not apply if the merchant is owned or\noperated by the Credit Union, or if the Credit Union mailed you the\nadvertisement for the property or services.\n\nForm #S-790 Rev. 1/18\n\n\x0c'