b'agree to cooperate and assist us or any government or law enforcement agent\nor agency in investigating, collecting or pursuing any other rights (civil and\ncriminal) relating to any unauthorized use. In this regard, you agree to file\nan appropriate police report when asked to do so. Do not use the Card or the\nConvenience Checks after you have notified us, even if you find them or have\nthem returned to you. You are liable for all transactions that you authorize. We\nmay end your credit privileges and close your Account if we consider it appropriate. No Liability: You will have no liability for unauthorized use of your\nCard, Convenience Checks or other Access Devices for non-ATM transactions\nmade over the Visa\xc2\xae or MasterCard\xc2\xae Network if the following conditions are\nmet: (a) you have not been grossly negligent; and (b) you have not committed,\nparticipated in or conspired to commit any fraudulent act or scheme involving\nthe use of your Visa\xc2\xae or MasterCard\xc2\xae credit card account. Limited Liability:\nFor transactions on other networks or ATM transactions, you may be liable\nfor unauthorized transactions using your Card, Convenience Checks or other\nAccess Devices that occur before we are notified. However, your liability for\nunauthorized use on networks other than Visa\xc2\xae or MasterCard\xc2\xae will not exceed\n$500.00. In any case, you will not be liable for any unauthorized use after\nnotifying us of the loss, theft or unauthorized use of your Card, Convenience\nChecks or other Access Devices.\n25. Closing or Suspending Your Account. Any individual cardholder without\nthe consent of other cardholders may close your Account at any time by notifying us in writing or verbally as indicated in this Agreement. We may close\nyour Account or suspend your Card privileges or Convenience Checks at any\ntime without prior notice. We may also reissue a different Card or different\nchecks at any time. You must return the Card or the Convenience Checks to us\nupon request. You agree that the Card and all Convenience Checks remain the\nproperty of us. Each Card we issue will have an expiration date. Upon expiration of your Card, your Account will automatically terminate; or we, in our\nsole discretion, may extend your Agreement and issue a new Card with a new\nexpiration date. If your Account is closed, expires, or your credit privileges are\nterminated or suspended, you will remain responsible for paying all amounts\nyou owe us according to the terms of this Agreement and any amendments or\nchange in terms. Without limiting the foregoing, we have the right to terminate\nyour line of credit and to demand the return of all Cards, Convenience Checks\nand other access devices if we, in our sole discretion, feel that it is insecure\nfor any reason whatsoever, including (but not limited to) mismanagement of\nyour Account, failing to safeguard any access device, creation of any credit\nbalances by you that may increase the risk of loss or exposure of us or failing\nto cooperate with us or others with regard to any claim of unauthorized use or\nany other defense to payment under applicable law.\n26. Credit Information. You authorize us to investigate your credit standing\nwhen opening or reviewing your Account. In assessing any increase to your\ncredit line under the provisions in this section, we may, and you authorize us to,\nreview your credit history, including consumer credit reports. You authorize us\nto disclose information regarding your Account to credit bureaus and creditors\nwho inquire about your credit standing. If you think we have reported information to a credit reporting agency that is not correct, you may write to us using\nthe Credit Union Member Services address listed on your billing statement.\nPlease include your name, address, Account number, telephone number, and\na brief description of the problem and a copy of the credit reporting agency\nreport if you have it. We will investigate the matter. If our investigation shows\nthat you are right, we will contact each credit reporting agency to which we\nreported the information and will request they correct the report. If we disagree\nwith you after our investigation, we will tell you in writing or by telephone.\n27. Communications/Change of Information. We can provide cards, billing\nstatements and other communications to you at any mailing address or email\naddress shown in our records. If you change your contact information such\nas any mailing address, telephone number or email address, you must notify\nus immediately in writing at the address shown on your billing statement. We\nmay obtain mailing address and email address information from you or third\nparties, and we may accept mailing address corrections from the United States\nPostal Service. If more than one person is responsible for this Account, we can\nprovide billing statements and communications to any of you. Notice to one of\nyou will be considered notice to all of you. You all will remain obligated on the\nAccount. You agree to pay any fee(s) for incoming communications from us,\nand/or outgoing communications to us, without reimbursement from us. You\n\nauthorize us, or anyone acting on our behalf, to call, email, or send a text message\nusing information you provide or to any number where we reasonably believe we\ncan contact you. These include calls to mobile, cellular, or similar devices, and\ncalls using automatic telephone dialing systems and/or prerecorded messages. We\nmay also send an email to any address where we reasonably believe we can contact\nyou. Some of the legal purposes for calls and messages include: suspected fraud or\nidentity theft; obtaining information; transactions on or servicing of your Account.\n28. Telephone Monitoring and Recording. We and our agents may listen to and\nrecord your telephone calls with us. You agree that we and our agents may do so,\nwhether you or we initiate the telephone call.\n29. Agreement. This Agreement is the contract that applies to all transactions\non your Account, even though the Purchases, Cash Advances, credits or other\nslips you sign or receive may contain different terms. You agree to all the terms\nand fees contained in the \xe2\x80\x9cCredit Disclosure.\xe2\x80\x9d We have the right to change the\nterms of the Agreement for any reason, and in any respect, by adding, deleting or\nmodifying any provision, including APRs, fees, the Minimum Payment and other\nterms. We can add a new provision without regard to whether the provision deals\nwith a matter already addressed by this Agreement. In certain circumstances, we\nare required by law to notify you of changes to the terms of this Agreement, and\nin other circumstances we may not be required to do so. When required by law\nto advise you that you have a legal right to reject any changes we make, we will\nprovide an explanation about how to do that. In some circumstances, APRs or other\naspects of your Account may change even though the terms of the Account do not\nchange, for example when the Prime Rate changes or a promotional period ends.\n30. Assignment. We may assign your Account, any amounts you owe us, or any\nof our rights and obligations under this Agreement to a third party. The assignee\nwill be entitled to any of our rights that we assign to that person.\n31. No Waiver. The Credit Union can delay enforcing any of its rights any number\nof times without losing them.\t\t\t\n32. Additional Benefits/Card Enhancements. The Credit Union may from time\nto time offer additional services to your Account, such as travel accident insurance, purchase rewards or rebates at no additional cost to you. You understand\nthat the Credit Union is not obligated to continue or to offer such services and\nmay withdraw or change them at any time. If these benefits are withdrawn prior\nto any accrued use by you, the Credit Union will have no obligation to provide\nthe benefit or enhancement, or any other compensation or consideration.\t\t\n33. Personal Identification Number (PIN). We will furnish you with a Personal\nIdentification Number (PIN). You agree to keep the PIN confidential. You also\nagree you won\xe2\x80\x99t write the PIN on the Visa\xc2\xae or MasterCard\xc2\xae credit card or anything\nyou keep with the Visa\xc2\xae or MasterCard\xc2\xae credit card. You agree that your use of the\nPIN and Visa\xc2\xae or MasterCard\xc2\xae credit card in getting a Cash Advance constitutes\nyour signature for purposes of such a transaction.\n34. Governing Law. The terms and enforcement of the Agreement and your Account shall be governed and interpreted in accordance with federal law, and to the\nextent state law applies without regard to conflict-of-law principles.\n35. For Information. Please call the Credit Union Member Services telephone\nnumber on your card or billing statement if you have any questions about your\nAccount or this Agreement.\n\nCREDIT CARD\nAGREEMENT AND DISCLOSURE\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\t\t\t\nNotify Us In Case of Errors or Questions About Your Bill.\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill.\nWrite us as soon as possible. We must hear from you no later than sixty (60)\ndays after we send you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter,\ngive us the following information:\t\t\t\t\t\n\xe2\x80\xa2 Your name and Account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error.\nIf you need more information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from\nyour savings or share draft account, you can stop the payment on any amount\nyou think is wrong. To stop the payment, your letter must reach us three (3)\nbusiness days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error\nor explain why we believe the bill was correct. After we receive your letter, we\ncannot try to collect any amount you question, or report you as delinquent. We\ncan continue to bill you for the amount you question, including Finance Charges,\nand we can apply any unpaid amount against your credit limit. You do not have\nto pay any questioned amount; you will have to make up any missed payments\non the questioned amount. In either case, we will send you a statement of the\namount you owe and the date that it is due. If you fail to pay the amount that\nwe think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us\nthat you still refuse to pay, we must tell anyone we report you to that you have\na question about your bill. We must tell you the name of anyone we reported\nyou to. We tell anyone we report to that the matter has been settled between us\nwhen resolved. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00\nof the questioned amount, even if your bill was correct.\t\t\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality\nof property or services that you purchased with your Card, and you have tried\nin good faith to correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the property or services. There are two\n(2) limitations on this right: (a) You must have made the Purchase in your home\nstate, or if not within your home state, within 100 miles of your current mailing\naddress; or (b) The purchase price must have been more than $50.00. These\nlimitations do not apply if we own or operate the merchant, or if we mailed you\nthe advertisement for the property or services.\n\n11/15\n\nG-16105\n\nIn this Agreement the words you and your mean each and all of those who receive\nthis Agreement. Card means a Visa\xc2\xae or MasterCard\xc2\xae credit card and any duplicates\nand renewals the Credit Union issues. Account means your Visa\xc2\xae or MasterCard\xc2\xae\ncredit card limit or credit account with the Credit Union. We (Us) means the Credit\nUnion whose name appears on the application, agreement, credit card, or monthly\nbilling statement. In addition to this Agreement you agree that your Account will\nalso be subject to all rules and regulations of Visa\xc2\xae or MasterCard\xc2\xae U.S.A., Inc.\nas applicable, which are incorporated herein by reference. If there is any conflict\nbetween this Agreement and the rules and regulations of Visa\xc2\xae or MasterCard\xc2\xae\nU.S.A., Inc. the rules and regulations of Visa\xc2\xae or MasterCard\xc2\xae U.S.A., Inc. will\ncontrol, as applicable.\n1. Using this Card. You must sign the Card in order to use it. Your Account is to be\nused only for personal, family, or household purposes. You may use the Card issued\nto you to make Purchases in person, over the Internet, and by mail or telephone\nfrom merchants and others who accept Visa\xc2\xae or MasterCard\xc2\xae credit cards and Cash\nAdvances, which includes the use of a Personal Identification Number (PIN) at an\nAutomated Teller Machine (ATM). Certain Purchases and Cash Advances require\nauthorization prior to completion of the transaction. In some cases, you may be\nasked to provide identification. If our system is not working, we may not be able\nto authorize a transaction, even though you have sufficient credit available. Also,\nfor security reasons, we may block the use of your Card in certain countries or\ngeographic areas. We will have no liability to you or others if any of these events\noccur. We are not responsible for any losses if a transaction on your Account is\ndeclined for any reason, either by us or a third party. We reserve the right to refuse\nto honor any request for credit, to reduce your Credit Limit or terminate your Account at any time using our sole discretion, based on changes in the economy, the\nCredit Union\xe2\x80\x99s financial condition, your creditworthiness or for any other reason\nnot prohibited by law.\n2. Authorized Users. You agree to pay all charges (Purchases and Cash Advances)\nmade by you or anyone who you authorize to use your Account. If you let anyone\nuse your Account, that person is an authorized user. You are responsible for all\nuse of your Account including charges by authorized users. You must tell us if\nyou want to stop an authorized user from using your Account. If you do, we may\nclose the Account and issue a new Card(s) with a different Account number. It is\nyour responsibility to get any Cards, checks or any other means of access to your\nAccount from the authorized user and destroy them or return them to us upon\nrequest. Your obligation to pay the amount owed on your Account continues until\npaid in full even though an agreement, divorce decree or other court judgment to\nwhich we are not a party may direct someone else to pay the Account balance. If\nmore than one person signs the application, each is individually responsible for\nall amounts owed on the Account and all are jointly responsible for all amounts\nowed. This means we can enforce this Agreement against any of you individually\nor all of you together. \t\t\n3. Billing Statements. Your Account will have time periods called "billing cycles".\nEach billing cycle is about one month in length. We will provide you a billing\nstatement each month one is required by applicable law. Your billing statement\nwill show an itemized list of current charges posted to your Account, your new\nbalance, any Finance Charges, the minimum payment due, and the payment due\ndate. In addition, it will show your current credit line, payments, and credits, a\nsummary showing your Purchases and Cash Advances, the merchant, electronic\nterminal or financial institution at which transactions were made, as well as other\ninformation concerning your Account.\n4. E-Statements. If provided electronically, statements will be: (a) e-mailed to you\nas an attachment; or (b) you will be sent a notice via e-mail that will direct you to\na site we maintain or cause to be maintained where you may access, review, print\nand otherwise copy/download your periodic statements using procedures that we\nauthorize. E-mails from us will be sent to the e-mail address provided by you.\nStatements and notices will be mailed to you at the most recent address you have\ngiven the Credit Union. Notices sent to any one of you will be considered notice\nto all.\n5. Finance Charges. The term Finance Charge refers to the interest based on\nthe application of a periodic rate. Separate Finance Charges for Purchases and\nCash Advances are determined by multiplying the monthly periodic rate by the\nseparate "average daily balances" for Purchases and Cash Advances. Each "aver-\n\n\x0cage daily balance" is determined by taking the beginning balance (of Purchases\nor Cash Advances) of your Account each day, adding any new Purchases or Cash\nAdvances (whichever is applicable) and subtracting any payments or credits. The\nresults are the daily balances. We treat any net credit balance as a zero balance.\nThis gives us the daily balance for each transaction type each day in the billing\ncycle. The total periodic interest charges for the billing cycle are the sum of the\ndaily periodic interest charges for each transaction type for each day during that\nbilling cycle. All the daily balances for the billing cycle are added and the total is\ndivided by the number of days in the billing cycle to arrive at the "average daily\nbalance" for the cycle. Cash Advances are always subject to Finance Charge from\nthe date they are posted to your Account. If any periodic interest charge is due,\nwe may charge you at least the minimum interest charge, plus any other finance\ncharges (for example, transaction fees). If a grace period applies:\n(a) Purchases. A Finance Charge will be imposed on Purchases posted during\na Billing Cycle when the Previous Balance is not paid in full within the first\ntwenty-five (25) days of the billing cycle. A Finance Charge will also be imposed\non Purchases included in the New Balance when the New Balance is not paid in\nfull within twenty-five (25) days after the billing cycle Closing Date.\n(b) Cash Advances. A Finance Charge will be imposed on Cash Advances from\nthe date the transaction is posted to your account. The Finance Charge accrued on\nCash Advances between the Closing Date of the billing cycle and the date your\nAccount is credited will appear on your next statement. There is no time period\nwithin which to pay to avoid a Finance Charge.\n6. Credit Line. We also call this a \xe2\x80\x9ccredit limit\xe2\x80\x9d. We will assign a credit line to\nyour Account. Your billing statement will show the amount of your credit line as\nof the date of the statement. If your Account goes overlimit, you must repay the\noverlimit amount when it is billed on your monthly billing statement, or sooner\nif we ask you to. We may, but are not obligated to, allow your Account to go\nover its credit line. We may change or cancel your credit line without telling you\nahead of time. If we do, it will not excuse you from your obligation to pay us. We\nmay restrict the extent to which your credit line can be used for different types of\ntransactions (for example, Purchases, Balance Transfers, and/or Cash Advances)\nsuch as by limiting the dollar amount, uses per day, or time period available for\nany such transaction, and we may completely prohibit use of your credit line for\nparticular types of transactions. Any increase in your credit line requested by you\nmay require you to make a new application for our approval. In assessing your\ncredit line under the provisions in this Section (either at our discretion or upon\nrequest): (a) we may, and you authorize us to, review your credit history, including consumer credit reports; (b) you authorize us to have this review made by\nthird parties to determine whether you meet the criteria we have set for such an\nincrease; and (c) this process shall not be pre-screening in the Fair Credit Reporting Act or other applicable laws or regulations based on our existing relationship\nand this Agreement.\n7. Balance Transfers. In our discretion, we may allow you to transfer balances\nfrom other accounts or loans from other credit card companies, other lenders\nor other balance transfers we may allow, using balance transfer checks we may\nprovide, or by calling us to make the transfer on your behalf. Those uses are "balance transfers". You are not authorized to transfer balances to this Account from\nother accounts or loans with us. If you request a balance transfer, but do not have\nenough available credit, we may transfer only a part of the requested amount.\n8. Money Transfer Services. If you receive any transmittal amount from any\nMoney Transfer Service (MTS) provider you agree not to receive more than\n$2,500 per day or more than $10,000 per month. We may increase or decrease\nthese limits from time to time in our sole discretion. We reserve the right to\naccept or reject any MTS request in our sole discretion. Each transmittal amount\nthat is sent to your Card will generally be posted to your Card within two (2)\nbusiness days after we receive the transmittal amount from the Sender.\n9. Types of Checks. In our discretion, we may issue you Balance Transfer checks\nor Cash Advance checks. We may also call them \xe2\x80\x9cconvenience checks\xe2\x80\x9d. The check\nmust be signed by the person whose name is printed on it. When we receive a\nconvenience check for payment, we may review your Account to decide whether\nto pay that check. We have the right not to pay a check for any reason, including\n(but not limited to) the following examples: (a) we are the payee on the check; (b)\nthe check is post-dated (if a post-dated check is paid, resulting in another check\nbeing returned or not paid, we are not responsible); (c) you have used the check\nafter the date specified on it; or (d) you are in default (including exceeding your\ncredit line) or would be if we paid the check.\n\n10. Promotions. We may make special offers for you to use your Account. If we\ndo, we will tell you how those offers will work and how long they will last. Any\nspecial offer is subject to the terms of this Agreement, unless we explain otherwise\nin the offer.\t\t\t\t\n11. Additional Grace Period for Purchases. In addition to your existing Grace\nPeriod, we are adding a provision that provides for an additional interest-free period\nfor portions of your Purchase balance, based on timely payments in a billing cycle\nin which you transition from having paid in full in the previous billing cycle to\na billing cycle in which you do not pay in full. Those portions of your Purchase\nbalance eligible for this Grace Period will be excluded from the balance subject\nto Finance Charge.\t\t\n12. Monthly Payment. Each month you must pay at least the minimum payment\ndue on your billing statement by the due date specified. If you make extra payments\nor larger payments, you are still required to make at least the minimum payment\neach month your Account has a balance. In addition, at any time your Total New\nBalance exceeds your credit line, you must immediately pay the amount over\nyour credit line. We may increase the minimum payment due on promotional and/\nor protected balances. The minimum payment due on these balances will not be\ngreater than double the standard minimum payment percentage as indicated on\nthe credit disclosure. The minimum payments for these balances will be calculated\nseparately and added to the standard minimum payment calculation.\n13. Payment Instructions. You agree to pay us amounts you owe in U.S. dollars.\nYou must use a check, money order or electronic debit drawn on a U.S. bank or\na foreign bank branch in the U.S. We will not accept cash payments through the\nmail. When we receive or apply a payment, we might not restore your available\ncredit by that amount for up to five (5) days. For mailed payments, your billing\nstatement and the envelope it comes in gives you instructions about how, when and\nwhere to make your payments. You must follow these instructions. Your payments\nwill not be credited to your Account before we receive it at the address we specify\nfor receipt of payments and in accordance with the payment instructions. If you\nmake a payment marked as paid in full or indicate that it is to pay all amounts you\nowe us, we may accept this payment and not agree that it pays all amounts you\nowe on your Account. Also, we may return this payment to you and you will still\nowe us the amount of the payment or any other amounts owed on your Account.\nYou authorize us to collect any payment check either electronically or by draft.\nFunds may be taken from your financial institution account on the same day we\nreceive your payment. We will keep an electronic copy of your check and securely\ndestroy the original check. We may allow you to make payments electronically\nthrough our credit card web site or with our Member Service Representatives,\nor by using our Autopay feature. We will provide the terms for these payment\nservices before you use them.\n14. Payment Allocation. Unless applicable laws specifically require otherwise, we\ncredit payments as of the date received, if the payment is: (a) delivered by 5 p.m.\nEastern Time (ET) at the address shown on the remittance slip on the front of your\nmonthly statement; (b) paid with a check drawn in U.S. dollars on a U.S. financial\ninstitution or a U.S. dollar money order; (c) sent in the return envelope with only\nthe remittance portion of your statement accompanying it; (d) made by electronic\nmeans through our credit card web site by 6 p.m. ET; or (e) made in person at a\nbranch location by branch closing or 5 p.m. local time. Payments received after 5\np.m. on any day including the Payment Due Date, but that otherwise meet the above\nrequirements, will be credited as of the next day. Credit for any other payments\nmay be delayed. Payment amounts in excess of your Total Minimum Payment Due\nwill be applied to balances with higher Annual Percentage Rates (APRs) before\nbalances with lower APRs. Your Payment Due Date will be at least 25 days from\nyour statement Closing Date. We will not charge you any interest on Purchases if\nyou pay your entire balance by the due date each month.\n15. Skip Payment Option. In our discretion, we may offer you the opportunity to not make (\xe2\x80\x9cSkip\xe2\x80\x9d) a minimum payment during certain designated billing\ncycles (\xe2\x80\x9cSkip Payment Period\xe2\x80\x9d). If you do not make your minimum payment as\nprovided in this Agreement, during such designated billing cycle, you understand\nthat we will continue to apply Finance Charges to your Account. Beginning with\nthe billing cycle following an allowed Skip Payment Period, all other provisions\nof this Agreement will apply. We have no obligation to accept your application\nfor any Skip Payment Period offered, and you authorize us to investigate your\ncreditworthiness including obtaining consumer credit reports. We may charge you\na skip pay fee for each Skip Payment Period that we may offer to cover our cost\nof investigating your qualifications for this extension, including (but not limited\n\nto) the costs associated with researching your creditworthiness. The payoff table\non your monthly statement for the skip payment month may reflect a negative\namortization. \t\t\n16. General Terms Governing Your Payments. To protect you and us, the Credit\nUnion, in its sole discretion, may place a temporary freeze on all or part of the credit\navailable to you for new Purchases or Cash Advances, under this Agreement any\ntime the Credit Union receives a large payment. In such cases, the Credit Union\nmay freeze your credit limit until payment is actually collected by the Credit Union.\n17. Automatic Charges. You may allow others to automatically charge repeat\ntransactions to your Account. You will be responsible for making new arrangements to make those payments if they are stopped for any reasons, such as: your\nAccount is closed or suspended, or your Account number changes.\n18. Default. Your Account may be in default if any of the following applies: (a)\nwe do not receive at least the Minimum Payment by the date and time due as\nshown on your billing statement; (b) you exceed your credit line; (c) you fail to\ncomply with the terms of this Agreement or any other agreement with us or one\nof our related companies; (d) we obtain information that causes us to believe that\nyou may be unwilling or unable to pay your debts to us or to others on time; (e)\nyou file for bankruptcy; or (f) you become incapacitated or die. If your Account\nis in default, we may close your Account without notice and require you to pay\nyour unpaid balance immediately. To the extent permitted by law, if any legal\naction is required to enforce any provision of the Disclosure and Agreement or\nto recover money owed by you, you agree to pay all costs, including collection\ncosts, attorney\xe2\x80\x99s fees, court costs, and any other charges incurred while enforcing\nour rights under this Agreement.\n19. Variable Rates. If you have an APR that varies with changes to the Prime Rate,\nwe calculate the APR by adding a margin to the highest U.S. Prime Rate published\nin the "Money Rates" section of The Wall Street Journal. A "business day" is any\nday that is not a weekend or federal holiday. The APR will change if the Prime\nRate changes. If the APR increases, you will pay a higher interest charge and may\npay a higher Minimum Payment. The Prime Rate is simply a pricing index and is\nnot the lowest interest rate available. If The Wall Street Journal stops publishing\nthe Prime Rate, we will select a similar reference rate at our discretion.\n20. Fees and Charges. Fees and charges that will be added are as shown in the\n\xe2\x80\x9cCredit Disclosure\xe2\x80\x9d.\n(a) Annual Membership Fee. If your Account has an annual fee or similar charge,\nit will be billed each year or in installments whether or not you use your Account,\nand you agree to pay it when billed. The annual fee is non-refundable unless you\nnotify us that you wish to close your Account within 30 days of our providing\nthe statement on which the annual fee is billed, and at the same time, you pay\nyour outstanding balance in full. Your payment of the annual fee does not affect\nour rights to close your Account and to limit your right to make transactions on\nyour Account. If your Account is closed by you or us, we will continue to charge\nthe annual fee until you pay your outstanding balance in full and terminate your\nAccount relationship.\n(b) Transactions in a Foreign Currency and \xe2\x80\x9cCross-Border\xe2\x80\x99 Transactions.\nCurrency Conversion Fee: If you effect or authorize a transaction with your\ncard in a currency other then U.S. Dollars, Visa\xc2\xae or MasterCard\xc2\xae will convert the\ncharge into a U.S. Dollar amount. The Visa\xc2\xae or MasterCard\xc2\xae currency conversion\nprocedure includes use of either a government-mandated exchange rate, or a\nwholesale exchange rate, as applicable. The exchange rate Visa\xc2\xae or MasterCard\xc2\xae\nuses will be a rate in effect on the day the transaction is processed. This rate may\ndiffer from the rate in effect on the date of the purchase or the date the transaction\nwas posted to your account. A Currency Conversion Fee will be applied to transactions that are converted from foreign currencies to U.S. Dollars. The Currency\nConversion Fee, if it applies to the transaction, will be shown on your statement.\nCross-Border Transaction Fee: In addition, Visa\xc2\xae or MasterCard\xc2\xae charges us a\nCross-Border Assessment on each transaction on all Cross-Border transactions\nregardless of whether there is a currency conversion. For purposes of this section,\n\xe2\x80\x9cCross-Border Transaction\xe2\x80\x9d shall include both (a) transactions initiated in a foreign\ncountry which are subsequently settled in the United States, and (b) transactions\ninitiated in the United States, but which are ultimately settled in a county outside\nof the United States. We will assess these fees to you to reimburse us for the fee\nwe are required to pay for each of your transactions subject to these terms. The\nCross-Border transaction fee will be shown on your statement.\n(c) Late Fee. We may charge a late fee if we do not receive at least the required\nMinimum Payment for any billing cycle by the date and time it is due. If the amount\n\nof the late fee is based on a balance, we will use the total Account balance at the\nend of the day that the late fee is charged to calculate the fee. This date may be as\nearly as the due date for the late payment.\n(d) Minimum Interest Charge. We may charge no less than the minimum interest\ncharge if any periodic interest charge is due for a billing cycle.\n(e) Overlimit Fee. If you agree to allow us to charge overlimit fees, we may charge\nsuch a fee to the extent allowed by law when your Account goes overlimit. We\nmay charge this fee even though your balance is over the credit line because of a\ntransaction we allowed. You have the right to withdraw your consent to our charging the overlimit fee at any time. If you do so, we will stop charging you the fee.\n(f) Return Payment Fee. We may charge a return payment fee if your financial\ninstitution does not honor the payment you made to pay amounts you owe under this\nAgreement, if we stop payment on a cash advance check or balance transfer check\nat your request or we refuse to pay a cash advance check or balance transfer check.\n(g) Additional/Replacement Card Fee. We may charge a fee if you request two\nor more cards or any special services (for example, obtaining cards on an expedited\nbasis). Service fees may change from time to time. We will inform you of the fee\nin effect prior to when the applicable service is provided.\n(h) Transaction Fees for Balance Transfers and Cash Advances. We may charge\nyou transaction fees for Balance Transfers and Cash Advances. These transactions\nfees are Finance Charges and are added to the balance for the applicable category\nof Balance Transfers or Cash Advances as of the date of that transactions.\n(i) Copies of Documents. We may charge a fee if you request a copy of a billing\nstatement, sales draft or other record of your Account. However, we will not charge\nfees for copies of documents requested for a billing dispute..\n21. Illegal Transactions. You warrant and agree that your Credit Card, other access device or any related account will not be used to make or facilitate any illegal\ntransaction(s) as determined by applicable law, and that any such use, including\nany such authorized use, will constitute an event of default under this Agreement.\nCertain federal and/or state laws or Visa\xc2\xae or MasterCard\xc2\xae Association Rules may\nlimit or prohibit certain transactions such as (but not limited to) those coded as\npossible gambling transactions. We may decline to accept, process or pay any\ntransaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law, or which is otherwise limited or\nprohibited, including (but not limited to) any transaction involving or relating to\nany gambling activity. Such limitations or prohibitions may affect some otherwise\nproper or allowable transactions such as charges incurred at a hotel-casino. You\nunderstand and agree such limitations/prohibitions are not within our control and\nthat we will not have any liability, responsibility or culpability whatsoever for any\nsuch use by you or any authorized user(s), or for declining to accept, process, or\npay any such transaction. You further agree to indemnify and hold us harmless\nfrom any suits, liability, damages or adverse action of any kind that results directly\nor indirectly from any such use of your Account and/or access devices.\n22. Returns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by sending us a credit\nwhich will be posted to your Account. If your credits and payments exceed what you\nowe us, the amount will be applied against future Purchases and Cash Advances.\nA credit balance does not increase your available credit. If the amount is $1.00 or\nmore, it will be refunded upon your request or automatically no later than six (6)\nmonths after the posting date.\t\t\t\n23. Merchant Disputes. We are not responsible for the refusal of any merchant\nor financial institution to honor the Card. The Credit Union is subject to claims\nand defenses (other than tort claims) arising out of goods or services you Purchase\nwith the Card, if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the merchant or service provider, and (a) your Purchase\nwas made in response to an advertisement we sent or participated in sending to\nyou, or (b) your Purchase costs more than $50.00 and was made in your state or\nwithin 100 miles of your home.\n24. Responsibility and Liability. You may be liable for the unauthorized use\nof your Credit Card. If you lose or someone steals your card or any other means\nto access your Account, or if you think someone has used your Account without\nyour permission, immediately inform the Credit Union. You will not be liable\nfor unauthorized use that occurs after you notify the Credit Union orally or in\nwriting of the loss, theft, or possible unauthorized use at Customer Service, P.O.\nBox 31112, Tampa, FL, 33631-3112, or 1-855-522-2078. If notice is given orally,\nyou will promptly confirm it in writing. We may require you to provide us certain\ninformation in writing to help us investigate any unauthorized use. Further, you\n\n\x0c'


b'ADDENDUM TO CREDIT CARD AGREEMENT\nBy signing below, you pledge to us and grant to us a security interest in the following\nshareholdings with us, including paid shares and future payments on shares, to secure\nyour credit card account. You authorize us to apply these shareholdings to pay any\namounts due on the account or under this agreement if you should default.\n\nSHARE ACCOUNT\nNUMBER\n\nAMOUNT\nPLEDGED\n\nSIGNATURE OF PLEDGOR\n\n$\n\nX\n\n$\n\nX\n\nDATE\n\n\x0c'


b'VISA PLATINUM WITH REWARDS\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDILQQ1 (MXC503 CCM004)-e\n\n\x0canother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nd. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\ne. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\nDILQQ1 (MXC503 CCM004)-e\n\n\x0cf. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\ng. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nh. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\ni. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nj. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nk. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.50% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at PO Box 100, Rantoul, IL 61866 or telephone 800-252-6950 seven (7) days a week, 24\nhours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your\ncredit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible\nDILQQ1 (MXC503 CCM004)-e\n\n\x0cunauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you are\ngrossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\nDILQQ1 (MXC503 CCM004)-e\n\n\x0c26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nDILQQ1 (MXC503 CCM004)-e\n\n\x0cYour 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 the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\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\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nDILQQ1 (MXC503 CCM004)-e\n\n\x0c'


b'INTEREST RATE AND INTEREST CHARGES\nAnnual Percentage Rate(APR) for\nPurchases\nAPR for Cash Advances\n\n4.75%\nVariable-Rate determined by adding 1.50% to the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.\n\n4.75%\n\nVariable-Rate determined by adding 1.50% to the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.\nHow to avoid paying interest on\nYour due date is at least 25 days after close of each billing cycle. We will not charge you interest on\npurchases\npurchases, cash advances and balance transfers if you pay entire balance by the due date.\nMinimum Interest Charge\nN/A\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website of the\nFinancial Protection Bureau\nConsumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fees\nN/A\nTransaction Fees\nUp to $10.00\n\xe2\x80\xa2 Balance Transfer\nUp to $10.00\n\xe2\x80\xa2 Cash Advance\nN/A\n\xe2\x80\xa2 Foreign Fees\nPhone payment penalty $6.00\n\xe2\x80\xa2 Other\nPenalty Fees\nUp to $30.00\n\xe2\x80\xa2 Late Payment\nN/A\n\xe2\x80\xa2 Over-the-Credit-Line\nUp to $30.00\n\xe2\x80\xa2 Returned Payment\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d. See your account agreement for further information regarding\nhow we calculate your balance.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nLoss of Introductory APR: N/A\nHow We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money\nRates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement.\nThe APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during\nwhich the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate\nis simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar\nreference rate.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate as of Apr 30,2009\n\n\x0c'


b'INTEREST RATE AND INTEREST CHARGES\nAnnual Percentage Rate(APR) for\nPurchases\n\n13.99%\n\nAPR for Cash Advances\n\n18.00%\n\nHow to avoid paying interest on\npurchases\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nFixed Rate\nYour due date is at least 25 days after close of each billing cycle. We will not charge you interest on\npurchases, cash advances and balance transfers if you pay entire balance by the due date.\nN/A\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFixed Rate\n\nFEES\nAnnual Fees\nN/A\nTransaction Fees\nUp to $10.00\n\xe2\x80\xa2 Balance Transfer\nUp to $10.00\n\xe2\x80\xa2 Cash Advance\nN/A\n\xe2\x80\xa2 Foreign Fees\nPhone payment penalty of $6.00\n\xe2\x80\xa2 Other\nPenalty Fees\nUp to $30.00\n\xe2\x80\xa2 Late Payment\nN/A\n\xe2\x80\xa2 Over-the-Credit-Line\nUp to $30.00\n\xe2\x80\xa2 Returned Payment\nN/A\n\xe2\x80\xa2 Other\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d. See your account agreement for further information regarding\nhow we calculate your balance.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nLoss of Introductory APR: N/A\nPurchase APR: Your Purchase rate is 13.99%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.16583%.\nCash APR: Your Cash rate is 18%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.5%.\n\n\x0c'