b'VISA PLATINUM CASH 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\n(6) months 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, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\nDHIIB0 (MXC501 CCM002)-e\n\n\x0c3. 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\nanother 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.\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. Account Set-Up Fee. At the present time the Credit Union does not charge a fee for this service.\nb. Program Fee. At the present time the Credit Union does not charge a fee for this service.\nc. Participation Fee. At the present time the Credit Union does not charge a fee for this service.\nd. Additional Card Fee. At the present time the Credit Union does not charge a fee for this service.\ne. Application Fee. At the present time the Credit Union does not charge a fee for this service.\nf. Balance Transfer Fee (Finance Charge). At the present time the Credit Union does not charge a fee for this service.\ng. Cash Advance Fee (Finance Charge). At the present time the Credit Union does not charge a fee for this service.\nh. Transaction Fee for Purchases (Finance Charge). At the present time the Credit Union does not charge a fee for\nthis service.\ni. 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.\nj. Over-the-Credit Limit Fee. At the present time the Credit Union does not charge a fee for this service.\nDHIIB0 (MXC501 CCM002)-e\n\n\x0ck. 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.\nl. Returned Convenience Check Fee. At the present time the Credit Union does not charge a fee for this service.\nm. Statement Copy Fee. At the present time the Credit Union does not charge a fee for this service.\nn. Document Copy Fee. At the present time the Credit Union does not charge a fee for this service.\no. Emergency Card Replacement Fee. At the present time the Credit Union does not charge a fee for this service.\np. PIN Replacement Fee. At the present time the Credit Union does not charge a fee for this service.\nq. 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.\nr. Unreturned Card Fee. At the present time the Credit Union does not charge a fee for this service.\ns. Card Recovery Fee. At the present time the Credit Union does not charge a fee for this service.\nt. Pay-by-Phone Fee. At the present time the Credit Union does not charge a fee for this service.\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 3.00% of your total new\nbalance, or $15.00, 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.\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 681 South King Street, Honolulu, HI 96813 or telephone (800) 449-7728 seven (7)\ndays a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the\nunauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss,\ntheft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card,\nunless you are grossly 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.\nDHIIB0 (MXC501 CCM002)-e\n\n\x0cEither 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 (6) 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.\na. Rebate Rewards Program Terms And Conditions. Rebates are automatically earned by making eligible purchases\nwith your Hawaii Central Federal Credit Union Visa Card. Each Eligible Purchase made by the cardholder or authorized\nuser shall qualify for the cardholder rebate reward as follows: you will earn a 1% rebate for each $1 of net purchases\nusing your Visa Credit Card. Net purchases are all sales transactions minus returns. Eligible Purchases do not include\nbalance transfers, finance charges, cash advances, cash-like charges that are used to access your account, overdraft\nadvances, unauthorized or fraudulent charges, returns, or fees of any kind, including fees for products that protect or\ninsure the balances of your account.\nThe rebates you earn will appear on your billing statement. Rebates will be automatically redeemed by crediting your\ncredit card account at the end of each calendar year. An account must be active at the time of rebate distribution. The\ncredit union does not determine whether merchants correctly identify and bill transactions as being made in a particular\ncategory. We reserve the sole right to determine which transactions qualify for rebates under the Program.\nYour payments as required by the credit card account must be kept current in order to qualify for rebate rewards. Rebates\nthat have been earned but not yet distributed will be forfeited if your account is delinquent, including if it is closed or\nfrozen, bankrupt or if your card is lost or stolen, or if your account is in not in good standing for any other reason.\nIn case of errors or questions about your rebate, please write to us at 681 South King Street, Honolulu, HI 96813. We\nmust hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.\nThe Credit Union reserves the right to suspend, modify, cancel or terminate the Program, in whole or in part, at any time\nfor any reason without restriction or penalty. This means that regardless of Participant\'s level of activity in the Program,\nthe ability to accumulate rebate rewards can be terminated or modified with or without prior notice. The redemption value\nof rebate credits already accumulated may be changed at any time without notice and without restriction or penalty. The\nCredit Union has made a reasonable effort to ensure that the information in the Program description is accurate. The\nProgram is not responsible for errors or omissions and reserves the right to correct such errors at any time, even if it\naffects pending rebates.\nThis Program is void where prohibited or restricted by law. Each participant is responsible for any federal, state or local\nincome or other taxes or gratuities, as applicable with the rebate. Each participant\'s use of the credit card(s) following\nreceipt of these terms and conditions is an agreement to comply with and abide by such terms and conditions of the\nProgram.\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\nDHIIB0 (MXC501 CCM002)-e\n\n\x0cfrom 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. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. 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. 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.\n28. 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.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at 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\nto investigate 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.\n\nDHIIB0 (MXC501 CCM002)-e\n\n\x0cWhile 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.\n\nDHIIB0 (MXC501 CCM002)-e\n\n\x0cVISA PLATINUM CASH REWARDS\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nHow to Avoid Paying Interest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nF2\n2.99%\n\nIntroductory APR for a period of six (6) billing cycles.\n\nAfter that your APR will be 8.90%\nF3\nto 15.90%\nF4\nbased on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nF5\n8.90% to F6\n15.90% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nF7\n8.90% to F8\n15.90% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nF9\nNone\nYour due date is at least 21 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nF10\nNone\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nF11\nNone\nF12\nNone\nF13\nNone\nF14\nNone\nF15\nNone\nF16\nNone\nF17\nNone\nF18\nNone\nF19\nNone\nUp to F20\n$20.00\nF21\nNone\nUp to F22\n$25.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nPromotional Period for Introductory APR. The Introductory APR for purchases will apply to transactions posted to your\naccount during the first six (6) months following issuance of your card.\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of F23\nApril 15, 2013.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDHIHZ0 (MXC402 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nPIN Replacement Fee\nCard Replacement Fee\nUnreturned Card Fee\nCard Recovery Fee\nPay-by-Phone Fee\n\nF24\n$20.00 or the amount of the required minimum payment, whichever\nis less, if you are seven (7) or more days late in making a payment.\nF25\n$25.00 or the amount of the required minimum payment, whichever\nis less.\nF26\nNone\nF27\nNone\nF28\nNone\nF29\nNone\nF30\nNone\nF31\n$10.00\nF32\nNone\nF33\nNone\nF34\nNone\n\nDHIHZ0 (MXC402 CCM002)-e\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nPLATINUM MASTERCARD\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be\ncreditworthiness.\n\n8.90% to 17.90% , based on your\n\nAPR for Balance Transfers\n\n2.99% Introductory APR for a period of six billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 8.90% to 17.90% , based on your\ncreditworthiness.\n2.99% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.90% to 17.90% , based on your\ncreditworthiness.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first six months following issuance of your card.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: October 01, 2017\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Mastercard is a secured credit card. Credit extended under this credit\ncard account is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03700572-MXC10-P-1-091317 (MXC101-E)\n\n\x0cNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$7.00.\nDocument Copy Fee:\n$5.00.\nPay-by-Phone Fee:\n$10.00.\nRush Fee:\n$30.00.\nStatement Copy Fee:\n$5.00.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03700572-MXC10-P-1-091317 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM MASTERCARD/SECURED MASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Erie Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03700572-MXC30-P-1-022720 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). 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.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of Your Account, You must pay the entire new balance on the billing statement by the Payment Due Date\nof that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\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 Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the 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\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n03700572-MXC30-P-1-022720 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 3503 Peach St., Erie,\nPA, 16508 or call Us at 814-825-2436 or 800-480-0494, Monday through Friday 8:00 a.m. to 5:00 p.m. Eastern Time or\n800-299-9842, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. 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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. 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 transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. 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.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 5\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n03700572-MXC30-P-1-022720 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nPennsylvania.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. 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.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 4 of 5\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n03700572-MXC30-P-1-022720 (MXC303-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\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 three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think 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\nto investigate 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\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when 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\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\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.\nPage 5 of 5\n\n1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX\n\n03700572-MXC30-P-1-022720 (MXC303-E)\n\n\x0c'


b'Visa Account Rates, Fees and Terms\nSECURITY INTEREST IN SHARES\nBy accepting or authorizing use of any credit cards issued by Advantis Credit Union, I/we grant Advantis a\nsecurity interest in present and future funds on deposit with the credit union to secure payment of my\nobligations on this account.\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for\nPurchases, Cash Advances, and\nBalance Transfers\n\nVisa Classic / Start Credit Card\nProgram\n\n8.9% to 17.9%\n\nVisa Platinum\n\n8.4% to 17.4%\n\nVisa Platinum Rewards\n\n8.4% to 17.4%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases made with your card if you pay your\nentire balance by the due date each month. We will begin charging interest on\ncash advances, balance transfers and checks on the posting date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/askcfpb/\nFEES\n\nAnnual Fee\n\nVisa Classic / Start Credit Card Program: None\n\n0000001 1 AT 0.460 11/18 C1\n\n1/7/2021 SD\n\nVisa Platinum: None\nVisa Platinum Travel: $45.00\nTransaction Fees\n\x03\n\nCash Advance\n\nNone\n\n\x03\n\nBalance Transfer\n\nNone\n\n\x03\n\nForeign Transaction\n\n1.00% of the US dollar amount of the foreign transaction for foreign currency\nconversions\n0.80% of the US dollar amount of the foreign transaction for International\nService Fee (ISA)\n\nPenalty Fees\n\x03\n\nLate Payment\n\nUp to $35\n\n\x03\n\nCard Replacement\n\n$8.00/card\n\n\x03\n\nReturned Payment\n\n$12.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nAPR is based on creditworthiness.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\n\n\x0cRate Adjustments: This is an adjustable rate loan. Rates may change at the discretion of the credit union and you will\nbe given advance notice before any rate increase. Rate increases will not apply to account balances outstanding at the\ntime notice is provided.\nLate Payment Fees: A late fee will be assessed during any billing cycle in which your payment is not received within ten\n(10) days of the due date. Late fees will be $25 for the first late payment and $35 for any late payment during the\nfollowing six (6) billing cycles.\nThese Account Disclosures for the Visa Credit Card are part of and integrated with your VISA Credit Card Agreement with\nAdvantis Credit Union. We reserve the right to amend the VISA Credit Card Agreement as permitted by law. Rate\ninformation is accurate as of 1/25/2018.\n\nVisa Credit Card Account Agreement\nThis Agreement covers the VISA Credit Card Account issued by Advantis Credit Union (\xe2\x80\x9cCredit Union\xe2\x80\x9d). In this Agreement\nthe words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the application for this Account,\nany joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d\n\xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d means Advantis Credit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued\nunder this Account. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the\nCard or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly\nand severally, will be bound by the following terms and conditions which will govern this Account.\n1. YOU PROMISE TO PAY\nYou promise to pay us all amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by you or\nany other person, and to be jointly and severally liable with such a person, unless such other person does not have actual,\nimplied, or apparent authority for such use, and you received no benefit from the use. You promise to pay us either by\ndirect payment or by automatic transfers from shares or by payroll deduction.\n2. PURCHASES AND CASH ADVANCES\nYou must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods, services, or\ninsurance wherever the Card is honored, up to the full amount of your Credit Line. You may use your Account to get cash\nadvances from us. You may also use your Card to get a cash advance from VISA ATMs and participating financial\ninstitutions. In addition, you may obtain cash advances by overdrawing your checking account. Loan overdraft transfers\nwill be made in increments of $100 to the amount necessary to cover the overdraft. You authorize us to charge your\naccount and deposit such funds to your checking account. You understand that you will be liable for overdraft advances\naccessed by any authorized person on your checking account. If we approve, you may obtain advances under your\naccount by writing preprinted convenience checks that we supply to you. Your use of loan checks will be shown as credit\nadvances on your monthly statement. We may not honor your loan check if: your check is postdated; payment of loan\ncheck would exceed your credit limit; a loan check is signed by a person without authorized access to your account; the\namount of the loan check is less than the minimum required amount; your account has been terminated or suspended or\nany loan checks have been reported lost or stolen. You may stop payment on a loan check if you provide us with the\nexact information describing the check and providing us with adequate notice to act on the stop payment instruction. If you\ngive us incorrect information, we will not be responsible for failing to stop payment of the loan and you will be responsible\nfor repayment of the amount of the check. You understand there may be a charge for each stop payment order requested\nand any loan check returned. Our liability for wrongful dishonor is limited to your actual damages; however, a dishonor for\nreasons stated above is not a wrongful dishonor. You may not use the Card for any illegal or unlawful transaction, and we\nmay decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness.\n3. CREDIT LINE\nIf your application is approved by us, this Agreement will constitute a revolving line of credit for an amount which will be\nthe Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the\nmaximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the\namount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess\nimmediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the\nright to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will\nbe shown on your monthly statement or by separate notice together with any changes in the applicable Minimum\n\nUpdated 8/26/2019\n\n\x0cMonthly Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole\ndiscretion, without demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all\nCards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this\nAgreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due\nus under this Agreement and returned all Cards.\n4. MINIMUM MONTHLY PAYMENT\nYou agree that you will pay each month not less than the Minimum Monthly Payment on or before the scheduled monthly\ndue date. Minimum Monthly Payments include all amounts past due, late charges, overlimit charges, and the minimum\nregular payment. The minimum regular payment will be 3% of your Total New Balance, or $25, whichever is greater. If\nyour outstanding balance is $25 or less, you agree to pay the balance in full. Every month you must pay the Minimum\nPayment by the due date shown on your statement. You may pay in full for all your purchases and cash advances each\nmonth, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts,\nand money orders marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d without prejudice to our rights under this Agreement, which are hereby\nexplicitly reserved. Payments will be applied first to overlimit and/or late charges, previously billed and unpaid FINANCE\nCHARGES, previously billed and unpaid purchases, and the remainder, if any, to cash advances.\n5. SECURITY INTEREST/PLEDGE OF SHARES\nTo secure your Account, you grant us a purchase money security interest under the Oregon Uniform Commercial Code\nin any goods you purchase through your Account. If you default, we will have the right to recover any of these goods\nwhich have not been paid for through application of your payments in the manner described in Section 4. Collateral\nsecuring other loans with the Credit Union, except loans secured by real property, also secures this Account. You also\npledge all of your present and future shares and any earnings thereon as security for obligations under your account. You\nunderstand that if you default on your VISA Account, we may apply all that is pledged to your VISA Account (IRA and\nKeogh accounts are excluded from the Pledge of Shares).\n6. PERIODIC STATEMENTS\nEach month, we will send you a statement showing new purchases, cash advances, payments, and credits made to your\nAccount during the billing cycle, your Previous Balance, your \xe2\x80\x9cTotal New Balance,\xe2\x80\x9d any FINANCE CHARGE, and any\nother charges. Your statement also will identify the remaining credit limit available and the Minimum Monthly Payment you\nmust make for that billing period and the date it is due. You agree to retain for statement verification copies of transaction\nslips resulting from each purchase, each advance, and other transactions on your Account. Unless you notify us of a\nbilling error as described below, you accept your monthly statement as an accurate statement of your Account with us.\n\n0000001 1 AT 0.460 13/18 C1\n\n1/7/2021 SD\n\n7. CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED\nThe total outstanding balance of purchases and cash advances in the Account on the closing date of a billing cycle,\nincluding any FINANCE CHARGE will be shown on the Periodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na. Cash Advances. A FINANCE CHARGE will be imposed on cash advances (including balance transfers) from the date\neach cash advance is made. There is no time period within which to pay to avoid a periodic FINANCE CHARGE on cash\nadvances.\nb. Purchases. Your due date will be at least 25 days after the closing date. A FINANCE CHARGE will be imposed on the\nunpaid portion of purchases included in the new balance when the entire new balance is not paid in full by the due date\nshown on the statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid a FINANCE CHARGE on purchases for a billing cycle (if\nthere is no unpaid purchase balance from the prior cycle). If you do not pay within the grace period, your FINANCE\nCHARGE will accrue from the first day of the billing cycle in which payment is due, and will accrue on new purchases from\nthe date of purchase.\n8. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE MAY BE\nCOMPUTED AND AMOUNT OF FINANCE CHARGE\nThe Credit Union figures the Periodic FINANCE CHARGE on your Account by applying the Periodic Rate to the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d of new and previous unpaid transactions for your Account, and multiplying by the number of days in the\nbilling cycle. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning purchase and cash advance balances of your\nAccount each day, add any new purchases and cash advances, insurance premiums or debit adjustments or charges and\nsubtract any payments or credits, unpaid FINANCE CHARGES and unpaid late charges, and the amount that is subject to\nUpdated 8/26/2019\n\n\x0cthe grace period. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide by\nthe number of days in the billing cycle. This gives us the Average Daily balance for purchases and for cash advances.\n9. PERIODIC RATE AND CORRESPONDING ANNUAL RATE\nThe Daily Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for your Account is based on your credit\nhistory. A range of Daily Periodic Rates and ANNUAL PERCENTAGE RATES currently offered by the Credit Union is set\nforth in the Loan Rate Schedule, which is incorporated into this Agreement by reference and as amended from time to\ntime. The Daily Periodic Rate and ANNUAL PERCENTAGE RATE that will apply to your Account will be disclosed on the\nnotice that accompanies (and is part of) this Agreement.\n10. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED\nYou agree to pay all applicable fees and charges to your account for: payments that are past due for a period of ten (10)\nor more days; each check returned to the Credit Union for insufficient funds, account closure or any other reason;\nphotocopies of sales drafts or account statements and any associated research time; annual card fee; replacement card\nfee; recovery of lost, stolen or cancelled card fee; ATM network transaction fees; and any other related fees and charges\nas set forth on the Credit Unions Rate and Fee Schedule as incorporated herein by reference and as amended from time\nto time. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including court\ncosts and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy\nproceedings, appeals, and any post judgment collection services, if applicable. These fees and costs may be added to\nyour Account balance and will bear interest at the ANNUAL PERCENTAGE RATE in effect at that time.\n11. CONDITIONS OF CARD USE\nThe use of your Card and Account are subject to the following conditions:\na. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be\nreturned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be repossessed at any time in our sole discretion without\ndemand or notice. You cannot transfer your Card or Account to another person.\nb. Signing the Card. The Card we supply to you is not valid unless signed. By signing, accepting, retaining or using the\nCard, cardholder and all users agree to all terms and conditions set forth by the Credit Union.\nc. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal\nto honor the Card or any other credit instrument or device we supply to you. If a merchant agrees to give you a refund or\nadjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nd. Foreign Transactions. Visa purchases and cash advances made in foreign countries and foreign currencies will be\nbilled to you in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for\nprocessing international transactions is a rate selected by Visa from a range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing\ndate may differ from the rate that would have been used on the purchase date or cardholder statement posting date. In\naddition, you will be accessed a fee for any card purchase or cash withdrawal involving a currency conversion. You will\nalso be assessed an International Service Assessment (ISA) fee for all purchases and cash advances made in foreign\ncountries but in U.S. Dollars. See our Rate and Fee Schedule for the current Foreign Currency Conversion fee and ISA\nfee.\ne. Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us\npromptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on\nyour monthly statements. Payments received at that address will be credited to your Account as of the date received.\nf. Personal Identification Number. If we issue you a Personal Identification Number (PIN) for use with your Card in\naccessing your line of credit at automated teller machines (ATMs), these numbers are issued to you for your security\npurposes. These numbers are confidential and should not be disclosed to third parties. You are responsible for\nsafekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign\non your Accounts. To keep your Account secure, please do not write your PIN on your Card or keep it in the same place\nas your Card.\n\nUpdated 8/26/2019\n\n\x0c12. DEFAULT\nYou will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is not made\nwhen due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other\nagreement with us; or (d) if we reasonably deem ourselves insecure with respect to your Account. Upon default, we may\ndeclare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any attorneys\nfees and costs incurred by us. We can delay enforcing any right under this Agreement without losing that right or any\nother right. We will notify you in writing of any such action as soon as practical if it occurs.\n13. GOVERNING LAW\nThis Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws of the State of\nOregon.\n14. SEVERABILITY\nIf any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect.\n15. LOSS OR THEFT OF CREDIT CARD\nYou agree to notify us immediately, orally or in writing, at Advantis Credit Union, PO Box 14220, Portland, Oregon 972930220, or telephone 503 785-2528 or 800 547-5532, of the loss, theft or unauthorized use of your Credit Card. If you notify\nus of your lost or stolen Credit Card, you will not be liable for any losses. This liability exclusion will apply provided you\nwere not grossly negligent or fraudulent in handling your credit card, otherwise your liability for unauthorized VISA Credit\nCard transactions may be up to $50.\n16. CREDIT INFORMATION/FINANCIAL STATEMENTS\nYou authorize us to release information to others (e.g., credit bureaus, merchants, and other financial institutions)\nregarding the status and history of your Credit Line. You agree to provide us, at any time we deem necessary, with a\ncurrent financial statement and/or a new credit application upon request. We may investigate your credit directly or\nthrough a credit reporting agency.\n\n0000001 1 AT 0.460 15/18 C1\n\n1/7/2021 SD\n\n17. CARD INFORMATION UPDATES AND AUTHORIZATIONS\nIf you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the\nmerchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or\nthe account associated with your card is closed. However, if your card is replaced or card information changes, you\nauthorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the\nmerchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify\nus that you have revoked authorization for the charges to your card.\nYour card is automatically enrolled in an information updating service. Through this service, your updated card information\n(such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring\ncharges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making\ndirect payment until recurring charges resume. To revoke your authorization allowing us to provide updated card\ninformation to a merchant, please contact us.\n18. ACKNOWLEDGMENT AND AMENDMENTS\nYou understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing Notice. You\nacknowledge that you have received a copy of this Agreement and Disclosure and the Fair Credit Billing Notice. We\nhave the right to change any terms or conditions of this Agreement at any time, subject to applicable laws.\n19. BILLING ERRORS NOTICE, YOUR BILLING RIGHTS\nKeep This Notice for Future Use. This notice contains important information about your rights and our responsibilities\nunder the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is\nwrong, or if you need more information about a transaction on your bill, write to us at the address listed above. Write to\nUpdated 8/26/2019\n\n\x0cus as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or\nproblem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following\ninformation:\n\x03\n\x03\n\x03\n\nYour name and Account number.\nThe dollar amount of the suspected error.\nDescribe the error and explain, if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\n\nIf you have authorized us to pay your Account bill automatically from your savings or checking account, you can stop the\npayment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the\nautomatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must\neither correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect\nany amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including\nFINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any\nquestioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in\nquestion. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay FINANCE CHARGES, and you will have to make\nup any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe\nand the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about your bill. And, we must tell you the name of anyone to whom we\nreported you. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we\ndon\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the questioned amount, even if your bill was correct.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased with a 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\nproperty or services. There are two limitations on this right:\n\x03\n\x03\n\nYou must have made the purchase in your home state or, if not within your home state within 100 miles of your\ncurrent mailing address; and\nThe purchase price must have been more than $50.00.\n\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or\nservices.\nVISA SUPPLEMENTAL AGREEMENT\nThis is part of your VISA Credit Card Agreement with Advantis Credit Union. We reserve the right to amend the VISA\nCredit Card Agreement as permitted by law.\nSecurity Interest and Credit Agreement.\nBy accepting or authorizing use of any credit cards issued by Advantis Credit Union, I/we acknowledge Advantis\nstatutory lien rights under either state or federal law and agree that such a lien is impressed as of the date that\nthis account is opened. I/we agree that Advantis can apply the deposits pledged at the time of any default on this\naccount without further notice. Additional Security: I/we understand that collateral securing other loans, except\nreal property, will secure this account; and that property purchased with my/our credit card(s) will also secure\nthis account. I/we agree that Advantis may use credit reporting agencies or otherwise verify my/our information and\nmy/our eligibility for accounts and services that I/we request or that Advantis may offer. If more than one person is an\nowner of this account, we agree that our obligations are joint and several. I/we request a Visa Card(s). At the time the\nCard(s) is/are issued, using or permitting another to use the card(s), I/we agree to be bound by the terms of the Advantis\nCredit Union Visa Credit Card Account Agreement.\n\nUpdated 8/26/2019\n\n\x0cFOR COVERED BORROWERS UNDER THE MILITARY LENDING ACT\nVISA Credit Card Agreement Addendum\nMilitary Lending Disclosure\nThis Military Lending Disclosure is issued pursuant to and amends your Visa Account Rates, Fees, and Terms and the\nassociated VISA Credit Card Account Agreement and Account Disclosures as described below.\na.\n\nb.\n\nc.\nd.\n\n0000001 1 AT 0.460 17/18 C1\n\n1/7/2021 SD\n\ne.\n\nBorrower Certification of Active Duty. By requesting a Credit Card each borrower certifies to the Credit Union that borrower:\n(i) is a Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less\nthan 30 days) Active Guard or Reserve duty; or (ii) borrower is a dependent of the Covered Member. Borrower(s) authorize the\nCredit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the\nDepartment of Defense or from a consumer report obtained from a consumer reporting agency.\nMilitary Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit\ntransaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other than certain application fees for a credit card account); and any\nparticipation fee charged (other than certain participation fees for a credit card account). The Credit Union may adjust interest or\nfees as necessary in any month in order to ensure that the annual percentage rate does not exceed 36%.\nPayment Obligation. Your payment obligation under your Credit Card Account is set forth in the Minimum Monthly Payment\nprovision (Section 4) of the Credit Card Agreement.\nSecurity Interest.\nThe Credit Union\xe2\x80\x99s security interest in all your Credit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply to your Credit Card Account. A security interest in shares or deposits granted in connection with any\nother credit card account, loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision\nthat collateral securing one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share\naccount specifically in connection with your Credit Card Account, funds deposited in that account after you establish the Credit\nCard Account are subject to our security interest as set forth above in the Credit Card Agreement.\nCredit Union Toll-Free Telephone Number \xe2\x80\x93 800-547-5532. Call this number for verbal information about the Military Annual\nPercentage Rate and your payment obligation.\n\nUpdated 8/26/2019\n\n\x0c\x0c'