b'Creating Opportunities\n\n%%9$ Credit Card & Security Agreement\x01RETAIL\nINSTALMENT CREDIT AGREEMENT\nOpen-End Credit Agreement\n(May Not Be Available to Residents of All States)\n\nThank you for choosing %%9$! This Agreement contains the current terms and conditions of your Account. Your Application,\nCard Mailer, and any other document we provide you that indicates it is part of, or amends this Agreement, are also\nincorporated into and made part of this Agreement. Keep them for your records. Please read this Agreement, including the\npricing information, carefully. A "Definitions" section is at the end of this Agreement.\n\nTABLE OF CONTENTS\nGETTING STARTED\nUSING YOUR ACCOUNT\nINTEREST\nFEES\nPAYMENTS\nABOUT OUR RELATIONSHIP\nOTHER IMPORTANT INFORMATION\nDISPUTE RESOLUTION\nDEFINITIONS\nYOUR BILLING RIGHTS\n\nP1\nP1\nP1\nP1\nP2\nP2\nP2\nP2\nP3\nP4\n\nGETTING STARTED\nACCEPTANCE OF THIS AGREEMENT\n\nSubject to applicable law, you accept this Agreement by using or permitting another person to use the Account. New York\nResidents: This Agreement begins on the first day that you or someone authorized by you signs or otherwise accepts a\nsales slip or memorandum as evidence of a transaction on your Account and, until then, you will not be responsible for any\npurchase or lease of property or services by use of the Card after its loss or theft.\nWe accepted this Agreement in Alabama. This Agreement includes an arbitration section entitled, "Dispute Resolution."\n\nPROMISE TO PAY\nYou promise individually and jointly to pay us for all amounts due on your Account. This includes any illegal or\ninternet/online gambling transactions you make.\n\nSECURITY AGREEMENT (Applicable only to Optimizer Card)\nTo have an Optimizer Card Account, we require you to also have a savings account with us. In this Agreement, we call this\nsavings account the "Collateral Account." You give us a security interest in the Collateral Account. You must keep at least\n$500.00 in the Collateral Account. You also give us a security interest in all additions to and all proceeds of the Collateral\nAccount. The Collateral Account is held by us as security for your promise to pay under this Agreement. You may not\nwithdraw any funds from the Collateral Account. You may not give a security interest or transfer any other interest in the\nCollateral Account for any reason. Any attempt to give a security interest or transfer any other interest in the Collateral\nAccount will be ineffective and void. We may provide special instructions and requirements for deposits to the Collateral\nAccount. If you do not follow those instructions or requirements, we will have no liability for any delay or failure in\ndepositing any funds to the Collateral Account. You may not close the Collateral Account until all amounts owed under this\nAgreement have been fully paid and you no longer have any right to use your Account. If you are in default under this\nAgreement or your Account is closed for any reason, we may, immediately and without giving you notice: (1) apply part or\nall of the funds in the Collateral Account to any amount you owe under this Agreement; and (2) retain any funds in the\nCollateral Account for up to 60 days in order to cover any transactions, fees or charges relating to use of the Account\nbefore it was closed. In the event of a conflict between the terms of this Agreement and those of the Collateral Account\nagreement, the terms of this Agreement will apply.\n\nCHANGING THIS AGREEMENT\nThe rates, fees, and terms of this Agreement may change from time to time. We may change any term to this\nAgreement unless an applicable law says we may not. You may not change this Agreement unless we agree in writing. If\nrequired by law, we will give you advance written notice and any right to reject the change(s).\n\nNOTICE AND CONTACT INFORMATION\nWe will send statements and other notices to the address you give us. If you agree and as permitted by law, we may\nprovide this information electronically. You promise to tell us right away if that address or contact information changes. If\nyou have a joint Account, any one of you may give us any notice under this Agreement. If you give us different notices or\nmake different requests, we may pick which one to honor without telling any of you.\n\nCONTACT US\nUnless and until we tell you otherwise, contact us regarding your Account or request a service related to your Account: For\nOptimizer, Platinum and Personal Line of Credit Cards at: 1-800-239-5175; For Signature and Select Cards, at:\n1-866-681-0484; or for any Cards at ##7"\x0164" Card Center, P.O. Box 2210, Decatur, Alabama 35699-0001. If you are not\nsure which type of Account you have, please look at your Card, review your Card Mailer, or call 1-800-239-5175.\n\nUSING YOUR ACCOUNT\nPERMITTED USES\n\nYou may use your Account for transactions, such as Purchases, Cash Advances, and Balance Transfers. You may not use it\nfor any illegal or Internet/online gambling transactions. We may issue you Checks to make Cash Advances. You may not\nuse a Check to pay any amount you owe us. We may make you special offers, such as reduced promotional interest rates.\nThese offers may have different terms. Except as we tell you in the offer, the rest of this Agreement will still apply. You may\nset up automatic billing with a merchant. If your Account number, Card expiration date or other Account information\nchanges, you authorize us to provide the information to any such merchant at our discretion. You must contact the\nmerchant directly if you wish to stop automatic billing.\n\nAUTHORIZED USERS\nYou may request additional Cards for Authorized Users. You will be liable for any charges made by any Authorized User\nand anyone else they allow to use your Account. This will be true even if you did not want, or agree to, the particular use.\nYou must notify us if you wish to cancel the authority of an Authorized User.\nPage 1 of 7\n\n\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n\n\x0cCREDIT AUTHORIZATIONS\n\nSubject to applicable law, we may limit or not authorize a transaction for any reason. We will not be liable if we do so, or if\n(1) we close your Account; (2) anyone refuses your Card, Check, or Account; (3) we stop (or do not stop) a payment on a\nCheck. Unless otherwise required by law, we will not be liable for goods or services you bought or leased using your\nAccount.\n\nCREDIT LIMITS\nWe will tell you your Account credit limit(s). We may give you different limits for different types of transactions. We may\nchange any of your limits at any time. We may delay increasing your available credit for up to ten (10) days after you make\na payment. Your Account\'s credit limit (and balances in excess of your Account\'s credit limit) may be treated differently\nbased on the type of Account you have. If you are not sure which type of Account you have, please look at your Card,\nreview your Card Mailer, or call 1-800-239-5175.\nFor the Optimizer, Platinum and Personal Line of Credit Cards, if the balance on your Account (or on any type of\ntransaction) goes over the credit limit, you must pay the amount that is over the limit immediately. In other words, you\nmay not wait to pay the amount that is over the credit limit as part of your next Minimum Payment Due, because the\namount that is over the credit limit is due and payable immediately.\nFor all other Cards, if the balance on your Account (or on any type of transaction) goes over the credit limit, you may wait\nto pay the entire amount that is over the credit limit as part of your next Minimum Payment Due. However, the entire\namount that is over the credit limit must be paid as part of your next Minimum Payment Due.\nFor the Optimizer Card, you may increase your credit limit by making a deposit of $100 or more in the Collateral Account.\nFor each deposit you make, we automatically will increase your credit limit by 90% of your deposit. An increase to your\ncredit limit will not become effective until we have collected payment on each check or other items deposited into the\nCollateral Account. This may take up to 30 days. You may not decrease your credit limit.\nIf you have told us that you want us to consider authorizing transactions that exceed your credit limit ("Overlimit\nTransactions") on your Account and Over-the-Credit Limit Fees are shown on your Card Mailer or otherwise provided to\nyou, we may charge you an Over-the-Credit Limit Fee. You may tell us you want (or do not want) Overlimit Transactions at\nany time.\n\nINTEREST\nHOW WE CALCULATE INTEREST CHARGES\nWe calculate interest charges each billing cycle by calculating the daily balance for each type of balance, including:\nPurchases, Cash Advances, Balance Transfers and any balances subject to a special offer. We start with the beginning\nbalance for each day. The beginning balance is the prior day\'s daily balance plus any interest charge from the prior day.\nThen, we add new transactions, debits and fees. Next, we subtract any new payments or credits. We also make any other\nappropriate adjustments, such as the grace period on Purchases. This gives us the daily balance for that type of balance.\nWe multiply the daily balance for each balance type by its daily periodic rate. We do this for each day in the billing cycle.\nThis gives us the interest charges for each balance type. We add up all the daily interest charges. The sum is the total\ninterest charge for the billing cycle. We may use mathematical formulas or computer programs which produce equivalent\nresults to calculate the daily balance, interest charges and related amounts.\nNOTE: This method of calculating interest results in charging interest on unpaid interest (also known as compounding\ninterest).\n\nPAYING INTEREST\n\nExcept for transactions, fees or charges not subject to interest, we start charging interest as follows: (1) if a transaction, fee,\nor interest charge occurs and is added to your Account during the same billing cycle, we start charging interest on the date\nit occurs; or (2) if a transaction, fee, or interest charge occurs during a billing cycle and is added to your Account in a\nsubsequent billing cycle, we start charging interest from the first day of the billing cycle in which it is added to your\nAccount. You can avoid paying interest on Purchases (but not on Cash Advances or Balance Transfers) as described\nbelow. If you paid the entire balance for the previous billing cycle by its Payment Due Date (or it was zero or a credit\nbalance), new Purchases added to your Account during the current billing cycle will not be charged interest if they are paid\nby the current Payment Due Date. We may continue to charge interest until you pay the full account balance. For Cash\nAdvances and Balance Transfers, we will begin charging interest on the transaction date.\n\nINTEREST RATES\nThe interest rates that apply to your Account are shown on the Card Mailer and each billing statement. We divide each\nannual percentage rate ("APR") by 365 to get the daily periodic rate ("DPR") used to calculate interest charges.\n\nFEES\nSubject to any limitation of applicable law, you agree to pay and we may charge the following fees in the amounts\nshown on your Card Mailer or otherwise provided to you. The following fees may not apply to all Accounts. Please\nreview your Card Mailer and pricing disclosures. To the extent fees applicable to your account differ by state, the\namount of fees charged will be based on your state of residence at the time the fee is assessed.Unless otherwise\nspecified, these fees are included in the Purchase balance.\n\nANNUAL FEE\nIf you are charged an Annual Fee, the fee will be charged to your Account shortly after the time it is opened unless\notherwise indicated. For each year that your Account remains open, the fee will be charged during the same month that it\nwas initially charged.\n\nTRANSACTION FEES\nThe Cash Advance Fee will be included in the Cash Advance balance. The Balance Transfer Fee will be included in the\nBalance Transfer balance.\nIf Foreign Transaction Fees are applicable to your Account, a Foreign Transaction Fee will apply to each transaction made\nin a foreign currency, outside of the United States, or with a foreign merchant, even if that transaction is made in U.S.\ndollars, including returns or refunds. The Foreign Transaction Fee will be included in either the Purchase or Cash Advance\nbalance depending on the transaction type. If you make any transaction in a foreign currency, we or the Payment Network\nwill convert it to U.S. dollars. The Payment Network will use its own currency conversion procedures in effect at that time.\nUnless a particular rate is required by law, the conversion rate will be no more than the highest interbank rate from\ncustomary banking sources. The conversion rate used may differ from the conversion rate on the date you made the\ntransaction.\n\nPENALTY FEES\nThe CFPB may adjust penalty fee amounts annually to reflect changes to the Consumer Price Index (CPI), and we may\nchange such fees to reflect the adjustments. We will not charge more than one penalty fee for a single event or transaction\nthat violates multiple terms of this Agreement.\n\nLate Fee. If we do not receive at least the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee.\nThis fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was\nassessed.\n\nPage 2 of 7\n\n\x0cOver-the-Credit Limit Fee. If you have told us that you want Overlimit Transactions on your Account and\n\nOver-the-Credit Limit fees are shown on your Card Mailer or otherwise provided to you and we authorize any Overlimit\nTransaction, we may charge you an Over-the-Credit Limit Fee. This fee will never exceed the amount by which your\nAccount goes over your credit limit during the billing cycle in which the fee is assessed. We will charge the fee only once\nfor any billing cycle, regardless of the number of Overlimit Transactions during that cycle. We will charge the fee only once\nfor an individual Overlimit Transaction, even if your Account balance remains over your credit limit for multiple billing\ncycles due to the same Overlimit Transaction(s).\n\nReturned Payment Fee. If you make a payment that is not honored by your financial institution or is returned unpaid for\nany reason, we will charge you a Returned Payment Fee. We will charge this fee even if the payment is later honored or\npaid. This fee will never exceed the Minimum Payment Due that was due immediately before the payment was returned.\n\n. FEES\nOTHER\nReturned Convenience Check Fee. If we return a Check for any reason, we may charge you a Returned Check Fee. This fee\nwill never exceed the amount of the Check returned.\nStop Payment Fee. If you request a stop payment on a Check, we may charge you a fee for each request, whether or not\nwe actually stop payment and subject to applicable law. This fee will be included in a balance not subject to interest.\nExpedited Delivery Fee. If you request and we arrange for expedited delivery of any Card or Checks to you (for example,\nby an overnight delivery service), we may charge you a fee. The fee amount will be disclosed to you at the time of the\nrequest, and you will have the opportunity to agree to the fee. This fee will be included in a balance not subject to interest.\nDocument Fee. Subject to applicable law, we may charge you the reasonable cost of researching, compiling and otherwise\nproviding you copies of sales slips or Checks, duplicate copies of billing statements, or other account documentation that\nyou request. There will be no charge for any item you request in good faith in connection with the resolution of any\ndisputed billing matter.\nTransfer Fee. If you request us to deposit a Cash Advance directly in your checking account, and we honor your request,\nwe may charge a fee in addition to the Cash Advance Fee. This fee will be included in the Cash Advance balance.\nExpedited Payment Fee. If you request us to expedite payment on your Account by debiting any deposit or other account\nyou designate, and we honor your request, subject to applicable law, we may charge you a fee. This fee will be included in\nthe Cash Advance balance.\nSkip Payment Fee. If we offer and you accept the option to skip any monthly payment and your Minimum Payment Due\nwould have been $200 or more, we may charge you a fee. This fee will be included in the Cash Advance balance.\nRate Reduction Fee. If a reduction in any interest rate, fee or other charge is offered by us and accepted by you, or\nrequested by you and honored by us, we may charge you a fee. We may charge this fee even if the reduction is only\ntemporary or for a limited time period. We will tell you about the fee orally or in writing at the item we offer or agree to the\nreduction. This fee will be included in the Cash Advance balance.\n\nPAYMENTS\nSTATEMENTS\nWe will send you, or otherwise make available to you, a statement at the end of each billing cycle if applicable law requires.\nRead each statement as soon as you receive it or it is made available to you. Tell us right away if you see any error or\nproblem. Your statement will show important information about your Account, including the New Balance, Minimum\nPayment Due, Payment Due Date and the Statement Date.\n\nMINIMUM PAYMENT DUE\nYou may pay any or all of the balance on your Account at any time without incurring any additional charge for\nprepayment. Each billing cycle, you must pay at least the Minimum Payment Due by the Payment Due Date.\nFor the Optimizer Card, your Minimum Payment Due will be the greater of: $10; or 5% of the New Balance, rounded up or\ndown to the nearest dollar plus past due amounts and any amount over your credit limit(s). However if the New Balance is\nless than $10, you must pay the entire New Balance.\nFor the Platinum and Personal Line of Credit Cards, if all of your APRs are 23.49% or lower, your Minimum Payment Due\nwill be the greater of: $10; or 2% of the New Balance, rounded up or down to the nearest dollar plus past due amounts and\nany amount over your credit limit(s). However, if the New Balance is less than $10, you must pay the entire New Balance. If\nany of your APRs is over 23.49%, your Minimum Payment Due will be $15 plus any interest you owe for that billing cycle,\nany Cash Advance Fee, Rate Reduction Fee, Expedited Payment Fee, Skip Payment Fee, and Foreign Transaction Fee that\nhas been charged during that billing cycle, any unpaid Minimum Payments Due from previous bills and any amount over\nyour credit limit(s).\nFor the Signature and Select Cards, if all of your APRs are 23.49% or lower, your Minimum Payment Due will be the greater\nof: $10; or 2% of the New Balance or the amount of your credit limit, whichever is less, rounded up or down to the nearest\ndollar plus past due amounts and any amount over your credit limit(s). However, if the New Balance is less than $10, you\nmust pay the entire New Balance. If any of your APRs is over 23.49%, your Minimum Payment Due will be $15 plus any\ninterest you owe for that billing cycle, any Cash Advance Fee, Rate Reduction Fee, Expedited Payment Fee, Skip Payment\nFee, and Foreign Transaction Fee that has been charged during that billing cycle, any unpaid Minimum Payments Due from\nprevious bills and any amount over your credit limit(s).\nFor all Cards, we may let you skip a payment. We will tell you when you can skip a payment. If you skip a payment, you will\nowe the Skip Payment Fee and interest for the skipped billing cycle, you will lose any grace period that otherwise would\napply, and you must pay the regular Minimum Payment Due for the next billing cycle.\n\nMAKING PAYMENTS\nYou must follow the payment instructions on your statement or otherwise provided. If we let you pay at one of our\nbranches, we will credit the payment as of the day we get it. If we let you pay by phone, online, mobile application or other\nmeans, we will tell you when it will be credited. You must pay us in U.S. dollars. We do not accept cash through the mail. We\ncan accept late payments, partial payments or payments marked "payment in full" or with any other restrictive\nendorsement without losing any of our rights under this Agreement.\n\nHOW WE APPLY PAYMENTS\nWe apply your Minimum Payment Due to pay down balances on your Account in our discretion, unless applicable law says\nwe may not. We apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before\nbalances with lower APRs.\n\nABOUT OUR RELATIONSHIP\nLIABILITY FOR UNAUTHORIZED USE\n\nIf your Card is lost or stolen or you believe someone is using your Card without your permission, contact us\nimmediately. You will not be liable for any unauthorized use that occurs after you notify us. Subject to applicable law, you\nmay be liable for unauthorized use that occurs before your notice to us. Your liability, if any, will not exceed $50.\n\nPage 3 of 7\n\n\x0cAUTHORIZATION TO CONTACT YOU ABOUT YOUR ACCOUNT\n\nBy providing us with your home telephone number, cellular telephone number, email address or other contact\ninformation, you authorize us and our affiliates, agents and third-party vendors to contact you using any automatic\ntelephone dialing system, prerecorded voice, voicemail, or messaging service or e-mail alert. You agree to notify us\npromptly if any of your contact information changes. In addition, you agree that we may also contact you at any telephone\nnumber that we may obtain for you in the future using any automatic telephone dialing system, prerecorded voice,\nvoicemail, or messaging service. Any complaint received via e-mail may be responded to in the same manner to the same\naddress(es) from which the e-mail was sent.\n\nINFORMATION ABOUT YOU AND YOUR CREDIT\nYou authorize us to obtain and review your financial condition, credit report(s), employment, income, and related\ninformation and documentation at any time and for any reason. You agree to help with this. We may provide information\nabout you and your Account to credit reporting agencies and others. We may provide information to credit reporting\nagencies and others about this Account in the name of an Authorized User. If you think we have or have provided\ninformation that is incorrect, write to us and list the specific information you believe is inaccurate.\n\nCLOSING YOUR ACCOUNT\n\nYou may close your Account. Unless applicable law says we may not, we may close, suspend, or not renew your account or\nnot reissue your Card at our discretion and without notice. You must follow the closure requirements we tell you. You still\nhave to pay all amounts you owe us. If you are not in default when your Account is closed, you may pay off the balance\nunder the terms of this Agreement that apply at that time.\n\nDEFAULT\nSubject to applicable laws, you are in default if:\nYou file a bankruptcy petition or have a bankruptcy petition filed against you;\nWe have reasonable belief that you are unable or unwilling to repay your obligations to us;\nYou die, become legally incompetent or go to jail;\nYou lose your Card or Checks (including if they are stolen);\nWe find you no longer qualify for any APR or credit limit then in effect on your Account; or\nYou fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate, including failing to\nmake a payment when due, exceeding your credit limit (for the Optimizer, Platinum and Personal Line of Credit\nCards only), using your Card or Account for an illegal transaction, or giving us false or incomplete credit\ninformation, signatures, or material representations.\nIf you are in default, subject to applicable law, we may (1) suspend or terminate your credit privileges, (2) close your\nAccount and/or (3) declare the entire balance of your Account immediately due and payable without notice.\n\nCOLLECTION COSTS\nWe may charge you for costs we have to pay to collect what you owe after default. These costs may include reasonable\nfees to attorneys who are not our paid employees. We will not charge you for our collection costs if you owe us $300 or\nless or to the extent an applicable law says we may not. We will not charge attorneys\' fees that exceed 15% of the unpaid\ndebt in Colorado, Georgia, Kansas, Maine, Missouri, Montana, North Carolina, Oklahoma or South Carolina, 20% of the\namount due in New York or 25% of the unpaid debt in Louisiana. We will not charge attorneys\' fees if the principal amount\nyou owe us is less than $1,000 in Idaho or Wyoming. We will not charge collection costs other than attorneys\' fees if you\nlive in Colorado, Delaware, Idaho, Indiana, Kansas, Louisiana, Maine, Maryland, New York, North Carolina, Oklahoma,\n3HQQV\\OYDQLD\x0f\x03 South Carolina or Wyoming. We will charge attorneys\' fees in West Virginia to realize a security interest.\n\nOTHER IMPORTANT INFORMATION\nGOVERNING LAW\nThis Agreement is governed by applicable federal law and by Alabama law, without regard to its conflicts of law\nprovisions. If your billing address is in the State of Maryland, to the extent, if any, that Maryland law applies to your\naccount, we elect to offer your card account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n\nOUR RIGHTS\nWe may delay exercising or not exercise any rights under this Agreement without losing or waiving any of them. .\n\nASSIGNMENT\nWe may sell, assign or transfer your Account, this Agreement and our rights or duties under this Agreement or any portion\nof it without notice to you. You may not sell, assign or transfer your Account or any of your rights or duties under this\nAgreement without first obtaining our prior written consent.\n\nSEVERABILITY/INTERPRETATION\nIf any part of this Agreement is found to be invalid, the rest of it will remain in effect. It is not the intention of the parties that\nanything in this Agreement should result in the assessment (charge, collection, or receipt) of interest, fees or charges in\nexcess of those permitted by applicable law. If any interest, fee or charge assessed under this Agreement is finally\ndetermined to be in excess of that permitted by applicable law, the excess amount will be applied to reduce the\noutstanding balance on your Account or, if there is no outstanding balance, will be refunded to you.\n\nENTIRE AGREEMENT\n\nThis Agreement constitutes the final expression of the credit agreement between you and us relating to your Account and\nsupersedes and may not be contradicted by evidence of any prior or contemporaneous oral credit agreement between you\nand us relating to your Account.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account).\nNotwithstanding any other provision of this Agreement, if you are a "covered borrower" under the Military Lending Act, as\ndefined in 32 CFR \xc3\x9f 232.3(g), the arbitration provisions in this Agreement shall not apply to you. Furthermore, nothing in this\nAgreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act.\n\nDISPUTE RESOLUTION\nARBITRATION\nEither you or we may ask to settle disputes by arbitration. Arbitration is a way of working out disputes without going to\ncourt. If you or we ask for arbitration, we would all meet with a person called an arbitrator. An arbitrator is like a referee or\na judge. The arbitrator will listen to what you and we have to say. The arbitrator will decide who is right. The arbitrator\'s\ndecision is called an award. The party who wins the award can take it to any court that could have heard the dispute and\nget an official judgment. Please read the rest of this section carefully. It explains how arbitration works.\nSome Legal Rights May Not Be Available in Arbitration: After any party asks for arbitration of a dispute, neither you nor\nwe can ask a court to hear that dispute. There will be no jury trial of that dispute. You cannot be part of any class action\nrelating to that dispute. The right to get information from each other and other procedures may be more limited in\narbitration than in court. With a few limited exceptions, the arbitrator\'s award will be final and unchangeable. Other rights\nthat you or we would have in a court also may not be available in arbitration.\n\nPage 4 of 7\n\n\x0cWHAT DISPUTES ARE COVERED\nAny dispute that arises from or relates to this Agreement, your Account and any transaction involving the Account will be\nsettled by arbitration unless it is described below in "What Disputes Are Not Covered." This means that disputes about the\nfollowing are covered:\nThis Agreement, your Account or any transaction involving the Account;\nAny advertisement, promotion or oral or written statement related to this Agreement or your Account;\nAny relationships that result from this Agreement (including, as far as applicable law will allow, relationships with\nthird parties who are not parties to this Agreement or this arbitration provision);\nThe validity, interpretation, scope or enforceability of this Agreement (except for any challenge to the\nenforceability of this Dispute Resolution section or any dispute about the parts of this subsection (a) about class\ndisputes); and\nWhether it is too late to settle a dispute because of any statute of limitations, estoppel, waiver, laches or similar\nlegal rule.\nIt doesn\'t matter whether the dispute is based on contract, fraud, tort, intentional tort, statute, regulation, constitution,\ncommon law, equity or otherwise. It also doesn\'t matter when the dispute began (whether before this Agreement, now or\nin the future). This arbitration provision will continue to apply after this Agreement ends and/or after you or we close the\nAccount.\n\nWHAT DISPUTES ARE NOT COVERED\nThis arbitration provision does not cover any dispute: (1) That you or we could take to a small claims court, which usually\nlimits its cases based on the amount of the claim; or (2) about the parts of this arbitration provision that prohibit class\ndisputes.\n\nNO CLASS DISPUTES\nUNLESS YOU LIVE IN NEW JERSEY, YOU CANNOT JOIN TOGETHER IN A DISPUTE WITH ANYONE OTHER THAN PEOPLE\nWHO USE YOUR ACCOUNT. EVEN IF OTHER PEOPLE HAVE DISPUTES SIMILAR TO A DISPUTE THAT YOU OR WE ASK TO\nARBITRATE, THOSE PEOPLE AND THEIR DISPUTES CANNOT BE PART OF ANY ARBITRATION BETWEEN YOU AND US.\nYOU CANNOT ARBITRATE ANY DISPUTE ON A CLASS ACTION, PRIVATE ATTORNEY GENERAL OR OTHER\nREPRESENTATIVE BASIS. Only a court, and not an arbitrator, may decide whether this provision prohibiting class\ndisputes can be enforced.\n\nWHO WILL ARBITRATE\nThe American Arbitration Association ("AAA") or JAMS ADR ("JAMS") may arbitrate any dispute, or you and we may agree\nupon a different arbitrator. For more information about arbitration, contact the AAA (www.adr.org or 1-800-778- 7879) or\nJAMS (www.jamsadr.com or 1-800-352-5267). If for any reason the AAA or JAMS is unable or unwilling to arbitrate, or you\nand we cannot agree on an arbitrator, we will use another national or regional arbitration group. The number of arbitrators\nwill depend on the total dollar amount of all disputes by both you and us. If the total is $250,000 or less, one arbitrator will\nhear the dispute(s). If the total is over $250,000, three arbitrators will hear the dispute(s). Each arbitrator must be an active\nmember in good standing of the bar for any state in the continental United States, and either: (a) actively engaged in the\npractice of law for at least 5 years or (b) a retired judge.\n\nWHAT RULES APPLY\nThe arbitration of any dispute will be conducted according to the rules of the arbitrator ("Rules"). If an arbitrator other than\nthe AAA is chosen, the Rules of the AAA will be applied to any circumstance that is not addressed by the Rules of the\nchosen arbitrator. If the total of all disputes is $250,000 or less, we will use any expedited procedures in the Rules. If this\nAgreement and the Rules say something different, we will follow this Agreement and not the Rules.\n\nHOW TO START ARBITRATION\nEither you or we may start an arbitration by giving written notice to the other party. At a minimum, this notice must\ndescribe the subject of the dispute and the result requested in arbitration by the party giving the notice. If you ask us to\narbitrate, you can choose the AAA or JAMS, or suggest another national or regional arbitration group to arbitrate the\ndispute. If we ask you to arbitrate, we will give you 10 days to choose the AAA or JAMS, or to suggest another national or\nregional arbitration group. In either case, if you suggest an alternative to the AAA and JAMS, we will work with you to\ndetermine if you and we can agree on a different group or arbitrator. If you and we are unable to agree, the arbitration will\nbe conducted by the AAA or, if the AAA is not available, by a similar arbitration group. The party asking for arbitration must\nfile a notice with the arbitration group following the Rules in effect at that time.\n\nWHEN A PARTY MAY ASK FOR ARBITRATION\nYou or we may ask for arbitration before or after a lawsuit has been filed. You or we must ask for arbitration within the\nstatute of limitations that would apply to the same dispute in court. If it is too late to resolve the dispute in court, it is also\ntoo late to resolve it in arbitration.\n\nWHAT THE ARBITRATOR(S) MUST DO\nEach arbitrator must:\nLimit discovery to information that is directly relevant to the dispute and is not considered confidential or\notherwise protected from being made public. Discovery is the process by which you and we ask each other for\ninformation about the dispute;\nMake decisions and awards based on the evidence and applicable substantive law and the rules of evidence used\nin federal courts;\nMake decisions and awards only with respect to claims made by or against you individually;\nGive a brief written explanation of the basis for the award upon request of either party; and\nMake specific findings of fact and conclusions of law to support any award greater than $25,000.\nNot make any award that would require you and us to continue any relationship we may have under this\nAgreement or otherwise.\n\nWHO PAYS FOR ARBITRATION\nThere will be costs for arbitration. Contact the AAA or other arbitration group to find out what the arbitration charges will\nbe. You may have to pay some of the arbitration charges unless this Agreement, an applicable law or the Rules say we\nmust pay. If the total dollar amount of all disputes is $50,000 or less, we will pay that portion of the arbitration filing fee\nthat is more than the cost of filing a lawsuit in the federal court where you live. You can ask us to pay some or all of the\nother arbitration charges you have to pay, but we don\'t promise to do as you ask. At the end of the arbitration, the\narbitrator(s) will decide who has to pay for any arbitration charges that are greater than those we agreed to pay. The\narbitrator(s) also may order us to pay some or all of your attorneys, expert and witness fees. Unless ordered otherwise by\nthe arbitrator(s), each of us must pay for its own attorneys, expert and witness fees, no matter who wins.\n\nWHERE WILL ARBITRATION TAKE PLACE\nAny arbitration will take place in the federal judicial district near your home. Or, you and we could agree that arbitration\nwill take place somewhere else.\n\nWHAT LAW APPLIES\nThis arbitration provision is made pursuant to a transaction involving interstate commerce. The Federal Arbitration Act will\napply to the construction, interpretation and enforceability of this arbitration provision despite any other choice of law\nprovision in this Agreement.\n\nPage 5 of 7\n\n\x0cOTHER RIGHTS AND REMEDIES\nNothing in this arbitration provision will limit certain other rights you or we may have. This means that you or we could, for\nexample:\nGet an injunction, which is a court order to stop someone from doing something; or\nFile an interpleader action, which is a type of lawsuit used to decide who owns property that more than one\nperson claims to own.\nIf you or we do any of these things or take part in any other court case, it does not affect your or our rights under this\narbitration provision.\n\nWHAT HAPPENS IF PART OR ALL OF THIS ARBITRATION PROVISION CANNOT BE ENFORCED\nOnly a court and not an arbitrator can determine if any part of this arbitration provision cannot be enforced. If a court with\nproper jurisdiction says that any part of the "No Class Disputes" subsection above (which prohibits arbitration of class\ndisputes) cannot be enforced, then none of the arbitration section in this Agreement will apply, and this section will be\nconsidered deleted from the Agreement. If a court with proper jurisdiction says that any other part of this arbitration\nprovision cannot be enforced, then the rest of this arbitration subsection still will apply, including the "No Class Disputes"\nsubsection above.\n\nWAIVER OF JURY TRIAL\nUnless you live in New Jersey, subject to applicable law, this provision limits your rights to a jury trial. You should\nreview this section carefully. If you and we have any dispute related to this Agreement, your Account, or any\ntransactions involving your Account and (i) neither you nor we seek to compel arbitration of the dispute, or (ii) some or\nall of the arbitration section is unenforceable and the dispute will be resolved in court, then you and we agree\nvoluntarily and knowingly to waive any right each may have to a jury trial to the fullest extent permitted by law.\n\nATTORNEYS\' FEES\nIn any action between you and us in court, the prevailing party will be entitled to receive from the other party an amount\nequal to the reasonable attorneys\' fees the prevailing party incurred in bringing or defending the court action.\n\nDEFINITIONS\nAccount - Your arrangement with us for credit and other services under this Agreement.\nAgreement - The current terms and conditions of your Account as contained within this document, your Application, your\nCard Mailer, any other document we provide you that indicates it is part of, or amends the terms and conditions of your\nAccount.\nApplication - The application or solicitation you signed, submitted, or otherwise gave us to ask for the Account. An\napplication could be written, electronic, or as otherwise permitted by law.\nAuthorized User - Any person you authorize to use your Account or a Card, whether you notify us or not.\nBalance Transfers - A balance from another creditor paid directly by us and transferred to your Account. If we approve\nyour request, we will pay the other creditor directly. Balance Transfers are Cash Advances, except that the APR for\nPurchases (and not the APR for Cash Advances) will apply to Balance Transfers.\nCash Advances - The use of your Account to obtain cash or other advances:\nFrom us or any participating financial institution or automated teller machine (ATM);\nBy using a Check;\nBy purchasing items that can be traded right away for cash, such as wire transfers, money orders, traveler\'s\nchecks, lottery tickets or casino chips;\nBy placing bets or wagers (if legal) or to make tax or other similar payments; or\nBy getting an advance deposited to a Compass checking account if you are enrolled in an overdraft protection\nprogram under a separate agreement with us.\nCard - Any access device for your Account we give you or an Authorized User to obtain credit, including physical cards,\nAccount numbers, Checks and electronic form factors or cryptologic keys.\nCard Mailer - Account documentation containing your Card, your initial or subsequent credit limit(s), Account number(s),\naccount opening disclosures and pricing information, or other information about the terms and conditions of your\nAccount.\nCheck - Any check we send to you to access your Account. Checks are Cash Advances.\nPurchases - the use of your Account to purchase or lease goods or services from participating merchants.\nNew Balance - The unpaid balance at the end of the billing cycle.\nMinimum Payment Due - Minimum amount of your payment.\nPayment Due Date - The date your next payment is due.\nPayment Network - Visa, MasterCard, American Express, Discover, and their respective payment systems, or any other\npayment system that is enabled on, or otherwise specified for, your Account.\nStatement Date - The date of the statement.\nWe, us, and our - %%9$\x0386$ and anyone to whom we give or sell your Account. %%9$ is a trade name of %%9$\x03\n86$, a member of the BBVA Group.\nYou, your, and yours - You and any other person(s) who are contractually liable under this Agreement, including joint\napplicants and joint Account holders.\n\nPage 6 of 7\n\n\x0cSIGNATURES\nNOTICE TO THE BUYER - DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS\nANY BLANK SPACE. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS AGREEMENT.\nRETAIL INSTALMENT CREDIT AGREEMENT\nYou: Any handwritten, electronic or digital signature provided by you or any person whom you allow to use the Account\non any document in connection with opening or using your Account serves as your signature on this Agreement. Your\nname and primary (i.e., residential street) address on your Application (including any oral or electronic application or\nrequest for credit) or on the Card Mailer sent with your Card serves as your name and address on this Agreement. The\ndate of your Application is the date of your signature for purposes of this Agreement.\nBank: We have signed this Agreement as follows:\n/s/ A. Smith\nA. Smith\x01\n\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n\x01\x01\x01\nVice President\n%%9$ Bank Card Center, P.O. Box 2210, Decatur, Alabama\n35699-0001\nCalifornia Residents: You understand and agree that interest is compounded under the terms of this Agreement.\nNew Jersey Residents: Because certain provisions of this Agreement are subject to applicable law, they may be void,\nunenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or\ninapplicable in New Jersey.\nVermont Residents Optimizer Card: To have an Optimizer Card Account, you must maintain a deposit account as security\nfor this credit card account, and you shall grant us a security interest in this deposit account.\nWashington Residents: Pursuant to Washington Revised Code Section 63.14.167, you are not responsible for payment of\nany service charge resulting from the merchant\'s failure to transmit to us within seven working days a credit for goods or\nservices accepted for return or forgiven if you have notified us of the merchant\'s delay in posting such credit, or our failure\nto post such credit to your account within three working days of our receipt of the credit.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit\nworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.\nThe Ohio civil rights commission administers compliance with this law.\n\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 payment address shown on your bill.\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential 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\nhave already 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\nis correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect any amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\nIf 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 that you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us 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. If we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question, even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit Card, and you have tried in good\nfaith 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 made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit Card for the purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit Card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the payment\naddress shown on your bill.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nPage 7 of 7\n\n\x0c\x03\x03\x03\x03%%9$ ClearPoints Credit Card Account Pricing Information as of March 31, 2021.\nThis pricing information is accurate as of the date listed above, but may have changed after that date. You can\nalways find out the most current pricing information by contacting us at: %%9$\x0386$, P.O. Box 2210, Decatur, AL\n35699 or 1-800-239-5175.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime*\x03+\x037.99% \x03to\x03 25.99%,\x03based\x03on\x03your creditworthiness\nThis\x03APR\x03will\x03vary\x03with\x03the\x03market\x03based\x03on\x03the\x03Prime\x03Rate.\x03\n\nAPR for Balance Transfers\n\nPrime*\x03+\x037.99% \x03to\x03 25.99%,\x03based\x03on\x03your creditworthiness\nThis\x03APR\x03will\x03vary\x03with\x03the\x03market\x03based\x03on\x03the\x03Prime\x03Rate.\x03\n\nAPR for Cash Advances\n\nPrime*\x03+\x0318.99%\x03to\x0325.99% ,\x03based\x03on\x03your\x03creditworthiness\x03\x03\nThis\x03APR\x03will\x03vary\x03with\x03the\x03market\x03based\x03on\x03the\x03Prime\x03Rate.\n\x03\n\nPaying\x03Interest\n\n<RXU\x03GXH\x03GDWH\x03LV\x03DW\x03OHDVW\x03\x15\x18\x03GD\\V\x03DIWHU\x03WKH\x03FORVH\x03RI\x03HDFK\x03ELOOLQJ\x03F\\FOH\x11\x03\x03:H\x03ZLOO\x03QRW\x03\nFKDUJH\x03\\RX\x03LQWHUHVW\x03RQ\x03SXUFKDVHV\x03LI\x03\\RX\x03SD\\\x03\\RXU\x03HQWLUH\x03EDODQFH\x03E\\\x03WKH\x03GXH\x03GDWH\x03\nHDFK\x03PRQWK\x11\x03\x03:H\x03ZLOO\x03EHJLQ\x03FKDUJLQJ\x03LQWHUHVW\x03RQ\x03FDVK\x03DGYDQFHV\x03DQG\x03EDODQFH\x03\nWUDQVIHUV\x03RQ\x03WKH\x03WUDQVDFWLRQ\x03GDWH\x11\x03\n\nMinimum Interest Charge\n\n,I\x03\\RX\x03DUH\x03FKDUJHG\x03LQWHUHVW\x03RQ\x03SXUFKDVHV\x0f\x03WKH\x03FKDUJH\x03ZLOO\x03EH\x03QR\x03OHVV\x03WKDQ\x03\x07\x14\x11\x03\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7R\x03OHDUQ\x03PRUH\x03DERXW\x03IDFWRUV\x03WR\x03FRQVLGHU\x03ZKHQ\x03DSSO\\LQJ\x03IRU\x03RU\x03XVLQJ\x03D\x03FUHGLW\x03FDUG\x0f\x03\nYLVLW\x03WKH\x03ZHEVLWH\x03RI\x03WKH\x03&RQVXPHU\x03)LQDQFLDO\x033URWHFWLRQ\x03%XUHDX\x03DW\x1d\x03\nKWWS\x1d\x12\x12ZZZ\x11FRQVXPHUILQDQFH\x11JRY\x12OHDUQPRUH\x03\n\nFees\nTransaction Fees\nx &DVK\x03$GYDQFH\nx %DODQFH\x037UDQVIHU\nx )RUHLJQ\x037UDQVDFWLRQ\n\n(LWKHU\x03$10\x03RU\x034%\x03RI\x03WKH\x03DPRXQW\x03RI\x03HDFK\x03FDVK\x03DGYDQFH\x0f\x03ZKLFKHYHU\x03LV\x03JUHDWHU\x03\n(LWKHU\x03$10\x03RU\x034%\x03RI\x03WKH\x03DPRXQW\x03RI\x03HDFK\x03WUDQVIHU\x0f\x03ZKLFKHYHU\x03LV\x03JUHDWHU\x03\x03\n3%\x03RI\x03HDFK\x03WUDQVDFWLRQ\x03LQ\x038\x116\x11\x03GROODUV\n\nPenalty Fees\nx /DWH\x033D\\PHQW\nx 5HWXUQHG\x033D\\PHQW\n\n8S\x03WR\x03$37\x03\n8S\x03WR $20\n\nHow We Will Calculate Your Balance:\x03:H\x03XVH\x03D\x03PHWKRG\x03FDOOHG\x03\xc2\xb3GDLO\\\x03EDODQFH\x11\xc2\xb4\x03 6HH\x03DFFRXQW\x03DJUHHPHQW\x03\nIRU\x03PRUH\x03GHWDLOV\x11\n)RU\x03HDFK\x03ELOOLQJ\x03F\\FOH\x0f\x03ZH\x03XVH\x03WKH\x033ULPH\x035DWH\x03IURP\x037KH\x03:DOO\x036WUHHW\x03-RXUQDO\x03WZR\x03EXVLQHVV\x03GD\\V\x03EHIRUH\x03WKH\n6WDWHPHQW\x03\'DWH\x03IRU\x03WKDW\x03ELOOLQJ\x03F\\FOH\x11\x03<RXU\x03$35V\x03PD\\\x03LQFUHDVH\x03LI\x03WKH\x033ULPH\x035DWH\x03LQFUHDVHV\x11\x03,I\x03\\RXU\x03$35V\x03LQFUHDVH\x0f\x03\nWKH\x03DPRXQW\x03RI\x03LQWHUHVW\x03\\RX\x03ZLOO\x03RZH\x03DQG\x03WKH\x030LQLPXP\x033D\\PHQW\x03\'XH\x03PD\\\x03LQFUHDVH\x11\x03\n%%9$\x03LV\x03D\x03WUDGH\x03QDPH\x03RI\x03%%9$\x0386$\x0f\x03D\x03PHPEHU\x03RI\x03WKH\x03%%9$\x03*URXS\x11\x03\n\n\x01\nF03-X\x01\x1c\x19\x16\x10\x1a\x10\x13\x19\x12\x15\x13\x14\x1c5%\n\n\x0c'


b'GENISYS CREDIT UNION\n\nGenisys Rewards Credit MasterCard Cardholder Agreement and Disclosure\nTHIS INFORMATION IS ACCURATE AS OF 03/31/20 AND MAY CHANGE.\nTo find out what may have changed call us at 248-322-9800 x5, 800-521-8440 x5, or write to us at P.O. Box 436034, Pontiac, MI 48343-6034.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nFees\n\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transactions\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\n10.24% - 18.00%\n\nThis APR will vary with the market based on the Prime rate.\n10.24% - 18.00%\nThis APR will vary with the market based on the Prime rate.\n10.24% - 18.00%\nThis APR will vary with the market based on the Prime rate.\nNone\nYour due date is at least 28 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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\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\nNone\nNone\nNone\nUp to 1.1% of each transaction in U.S. dollars\nUp to $25.00\nUp to $26.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions)\xe2\x80\x9d. See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nthe attached account agreement.\nRate Information, including periodic rates, corresponding APRs and margins\nPurchases\nThe following periodic rate and corresponding APR applies to all purchases made under this account.\nPeriodic Rate: .98%-1.50%\nCorresponding APR: 10.24%-18.00%\nYour purchase APR is equal to the Prime rate plus a margin of 6.99% - 13.99%.\nCash advances\nThe following periodic rate and corresponding APR applies to all cash advances made under this account.\nPeriodic Rate: .98%-1.50%\nCorresponding APR: 10.24%-18.00%\nYour cash advance APR is equal to the Prime rate plus a margin of 6.99% - 13.99%.\nBalance transfers\nThe following periodic rate and corresponding APR applies to all balance transfers made under this account.\nPeriodic Rate: .98%-1.50%\nCorresponding APR: 10.24%-18.00%\nYour balance transfer APR is equal to the Prime rate plus a margin of 6.99% - 13.99%.\n\n\x0cCARDHOLDER AGREEMENT\nAgreement Terms- The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have applied for the Card or Cards by signing this\nAgreement. \xe2\x80\x9cCard\xe2\x80\x9d means the MASTERCARD Credit Card or Cards and any duplicates and renewals thereof or substitutions therefore we\nmay issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your MASTERCARD Credit Card line-of-credit loan account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers\nGenisys Credit Union.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\nAcceptance of Agreement/Responsibility \xe2\x80\x93 The use of your\nAccount or a Card by you or anyone whom you authorize or\npermit to use your Account or a Card means you accept this\nAgreement. You promise to repay all debts and any fees and\ninterest arising from any authorized use of the Card. You agree\nnot to let someone else use the Card. If you do, you are\nagreeing with us that you authorize all use that person makes of\nthe Card. Therefore, you will be liable for all such use of the\nCard. Of course, once you notify us we will take prompt steps to\ntry to prevent any further Card use by that person. If this\nAgreement is signed by two persons, the Account is joint; that is,\neach of you, separately and jointly with each other, is liable for\nall debts on the Account and any fees or interest thereon. Your\nobligation to pay all such debts and any fees and interest\nthereon continues even though an agreement, divorce decree or\nother court judgment to which we are not a party may direct that\nonly one of you, or some person other than you (or both of you),\nmust pay such debts and any fees and interest. You may not\nuse your Card or Account for any illegal or unlawful transaction.\nCredit Limit \xe2\x80\x93 We will establish line-of-credit for you and will\nnotify you of the credit limit. You agree not to let your Account\nbalance exceed your credit limit. We may honor transactions in\nexcess of your credit line at our sole discretion. If at any time\nyour balance exceeds the credit limit, you agree to pay us that\nexcess immediately. Each payment you make on the Account\nwill replenish your credit limit by the part of that payment which\nis applied to principal. If you request an increase in the credit\nlimit, such increase must be approved by us. We may change\nyour credit limit from time to time and for any reason.\nClosing Your Account -- We also may revoke your Card and\nterminate the Account and this Agreement. You may terminate\nthis Agreement at any time and for any reason by giving us\nwritten notice. Nevertheless, termination by you or by us does\nnot affect your obligation to pay all debts and any fees and\ninterest thereon arising from authorized use of your Card. The\nCards remain our property and you must recover and surrender\nto us all Cards upon our request or upon termination of this\nAgreement.\nUsing the Card \xe2\x80\x93 We will send you a Card or Cards embossed\nas you have directed. As soon as received, each Card must be\nsigned (in the space provided on the back) by the person whose\nname is embossed thereon. That signature must be in the same\nform as embossed on the front of the Card. You can also use\nyour Card together with your Personal Identification Number\n(PIN) to get a Cash Advance from an automated teller machine\n(ATM) in the MASTERCARD network, to get a Cash Advance\nfrom a MASTERCARD financial institution or make a Purchase\nfrom a merchant that uses the Card in an electronic terminal that\naccesses the MASTERCARD system.\nAuthorization \xe2\x80\x93 We do not guarantee authorization of a\ntransaction, either by us or a third party, even if you have\nsufficient credit available. We reserve the right to deny certain\ntransactions for any reason and at our sole discretion, including\nfor default, suspected fraudulent or unlawful activity, internet\ngambling, or any indication of increased risk related to the\ntransaction or the Account. You agree that we will not be liable\nfor failing to give an authorization. We also reserve the right to\nlimit the number of transactions that may be approved in one\nday. If we detect unusual or suspicious activity, we may suspend\nyour credit privileges until we can verify the activity, or we may\nclose the account.\nBalance Transfers \xe2\x80\x93 Balance transfers may include the transfer\nof outstanding balances by you to your Account from credit\naccounts issued by persons other than us. If you transfer a\nbalance to your Account, the available credit on your Account\n\nwill be reduced by the amount you transfer. Total balances may\nnot exceed your available credit limit.\n7. Cash Advance by Machine \xe2\x80\x93 If ATMs or other electronic\ndevices are available while this Agreement remains in effect\nwhich make it possible for you to obtain a Cash Advance by use\nof your Card in such a machine, we will furnish you with a secret\nPIN. Your use of the PIN, together with your Card, in getting a\nCash Advance from such a machine is agreed to constitute your\nsignature for purposes of such Cash Advance.\n8. Personal Identification Number (PIN) \xe2\x80\x93 We will furnish you\nwith a PIN. You agree to keep the PIN secret. You also agree\nyou won\xe2\x80\x99t write the pin ON THE CARD or anything you keep\nwith the Card. Your use of the PIN and Card in getting a Cash\nAdvance or making a Purchase is agreed to constitute your\nsignature for purposes of such transactions.\n9. Late Fee \xe2\x80\x93 If we do not receive a payment from you in at least\nthe amount of your minimum monthly payment by the Payment\nDue Date shown on your monthly statement, we may charge\nyou a late fee in the amount of up to $25. You will only be\ncharged one late payment fee for any minimum monthly\npayment which is not paid by the Payment Due Date.\n10. Returned Payment Fee \xe2\x80\x93We may add a fee of up to $26 to\nyour Account if a payment check or similar instrument is not\nhonored or returned because it cannot be processed, or if an\nautomatic debit is returned unpaid.\n11. Minimum Monthly Payment \xe2\x80\x93 If the New Balance shown on\nyour monthly statement is less than $25.00, your Minimum\nMonthly payment (due by the Payment Due date) is your New\nBalance. Otherwise, the Minimum Monthly payment for each\nbilling cycle will be the total of: 1) $25.00 or 2% of your new\nBalance, whichever is greater; 2) Any amount in excess of your\ncredit line; and 3) Any amount past due. You may pay more\nthan the Minimum Monthly payment and may, at any time, pay\nthe full amount you owe us without penalty for prepayment.\n12. Variable Rate Information \xe2\x80\x93 We calculate any APR based on\nthe U.S. Prime Rate (\xe2\x80\x9cPrime rate\xe2\x80\x9d) and by adding a margin to\nthe Prime rate. Your margin is identified in your account opening\ninformation. Your APRs are variable and may increase or\ndecrease if the Prime rate increases or decreases. For each\nbilling period, we use the Prime rate published in the Wall Street\nJournal on the last day of the month during that billing period. A\nchange in the APR due to a change in the Prime rate takes\neffect as of the first day of the billing period for which we\ncalculate the APR. We apply the new applicable APR to any\nexisting balances, subject to any promotional rates that may\napply, and as allowed by law. If the APR increases as a result of\nthe Prime rate increasing, your interest charges will increase\nwhich may also cause your minimum payment to increase.\n13. Interest Charges \xe2\x80\x93Interest charges are a finance charge added\nto your Account when we apply the applicable Annual\nPercentage Rate (APR) to your balances on your account. We\nfigure the interest charge on your account by applying the\nperiodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. We\ncalculate interest separately for each Balance Subject to Interest\nRate. These include for example, Purchases at the current rate,\nCash Advances at the current rate and Balance Transfers at the\ncurrent rate. Your monthly billing statement shows each Balance\nSubject to Interest Rate. To calculate interest, we first calculate\nan \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Balance Subject to Interest\nRate, as described herein.\nPurchases: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases, we\ntake the beginning balance of Purchases of your account each\nday, add any new Purchases, and subtract any unpaid interest\nor other finance charges and any payments or credits. This\ngives us the daily balance for Purchases. Then, we add up all\nthe daily balances for the billing cycle and divide the total by the\n\n\x0cnumber of days in the billing cycle. This gives us the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of Purchases.\nCash Advances: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash\nAdvances, we take the beginning balance of Cash Advances of\nyour account each day, add any new Cash Advances, and\nsubtract any unpaid interest or other finance charges and any\npayments or credits. This gives us the daily balance for Cash\nAdvances. Then, we add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing\ncycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash\nAdvances.\nBalance Transfers: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of\nBalance Transfers, we take the beginning balance of Balance\nTransfers of your account each day, add any new Balance\nTransfers, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily\nbalance for Balance Transfers. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number\nof days in the billing cycle. This gives us the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of Balance Transfers.\n14. Grace Period \xe2\x80\x93 Interest charges begin to accrue on\ntransactions from the date it is added to the daily balance and\ncontinue to accrue until payment in full is credited to your\nAccount. Your due date is at least 28 days after the close of\neach billing cycle. We will not charge you any interest on\nPurchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on Cash Advances and\nBalance Transfers on the transaction date. Cash Advances and\nBalance Transfers do NOT have a Grace Period.\n15. Payments \xe2\x80\x93 We may accept late payments, or partial payments\nand payments marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our\nrights under this Agreement.\n16. Credits \xe2\x80\x93If your credits and payments exceed what you owe us\non the Account we will credit such excess to the Account and, if\nthe amount is $1.00 or more, we will credit it to your share\naccount after 6 months or upon your written request.\n17. Foreign Transactions \xe2\x80\x93 Purchases/Returns and Cash\nAdvances made in foreign countries and foreign currencies will\nbe billed to you in U.S. dollars. The conversion rate to dollars\nwill be at (1) the wholesale market rate or (2) the government\nmandated rate, whichever is applicable, in effect one day prior to\nthe processing date, increased by one percent. When you make\na transaction outside of the U.S., a fee up to 1.1% of the\nconverted transaction amount will be applied to your account as\npermitted by law. The foreign transaction fee is a finance\ncharge. Interest does not accrue on the fee.\n18. Lost or Stolen Cards \xe2\x80\x93 If you notice the loss or theft of your\nCard or a possible unauthorized use of your Card or your\nAccount, you should write to us immediately at the address\nlisted on your monthly statement, or call us at the number shown\non your monthly statement. If your MASTERCARD is lost or\nstolen on a weekend, holiday, or after Credit Union hours, call\n(888) 241-2510 (domestic) or (909)-941-1398 (international).\nYou will not be liable for any unauthorized use that occurs after\nyou notify us. You may be liable for unauthorized use that\noccurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss or\ntheft and, upon discovering the loss or theft promptly report the\nloss or theft to us, you will not be liable for any unauthorized\ntransactions. In any case, your liability will not exceed $50.\n19. Default \xe2\x80\x93 Your Account will be in default and we may demand\npayment of the entire amount you owe us without giving you\n\n20.\n\n21.\n\n22.\n\n23.\n\n24.\n\n25.\n\n26.\n\nprior notice, subject to applicable law, if (a) you fail to make at\nleast the Minimum Payment by the due date shown on your\nmonthly statement; (b) you fail to comply with any terms of this\nAgreement or any other Agreement you have with us; (c) if we\ndetermine that your creditworthiness (which includes your ability\nto repay us) has become unsatisfactory due to change in\nemployment, increase in your other obligations, or because of\nany other reason; or (d) in the event of your death. In the event\nof any default or in the event this Agreement is terminated by\nyou or by us for any reason, the entire balance on the Account\nbecomes due and payable forthwith. You also agree that, in\ncase of default, you will pay all usual and customary costs of\ncollection permitted by law including reasonable attorney fees.\nCredit Information \xe2\x80\x93 You authorize us to investigate your credit\nstanding when opening, renewing or reviewing your Account,\nand you authorize us to disclose information regarding our\nexperience with you under this Agreement to credit bureaus and\ncreditors.\nContact Information \xe2\x80\x93 You agree to notify us of a change in\naddress or other contact information. If we need to contact you\nregarding your Account, you authorize us, or our agents and\ncontractors, to contact you at any telephone number you\nprovide, from which you call us, or at which we believe we can\nreach you. We may contact you in any way including calling or\ntext messaging you. We may contact you using a prerecorded\nmessage or an automated dialer. We may contact you on a\nmobile phone or similar device even if you are charged for such.\nEffect of Agreement \xe2\x80\x93 This Agreement contains our complete\ncontract relating to the Account and applies to every transaction\nrelating to the Account even though a sales or Cash Advance\ndraft you sign or a credit slip may contain different terms.\nAmendment of Agreement \xe2\x80\x93 We reserve the right to change\nthe terms of this Agreement and your Account at any time for\nany reason, as permitted by law. We will provide you notice of\nsuch changes as required by law. Any changes to this\nAgreement or your Account are binding on you.\nCollection Costs \xe2\x80\x93 If we refer collection of your Account to a\nlawyer who is not our employee, you are liable for any\nreasonable attorney fees we incur, plus the costs and expenses\nof any legal action, to the extent allowed by law.\nReturned MASTERCARD Check Fee \xe2\x80\x93 We may add a fee of\nup to $26 to your Account, in accordance with applicable law, if\nwe decline to honor a MASTERCARD Check. We may decline\nto honor a MASTERCARD Check if, for example, the amount of\nthe check would cause you to exceed your credit limit, you are in\ndefault, you did not comply with our instructions regarding the\ncheck, or your Account has been closed.\nMASTERCARD Checks We are not obligated to pay a\nMASTERCARD Check if, at the time the check is presented, you\nare in default of this Agreement, we have revoked your right to\nuse your MASTERCARD Card, your Account is closed for any\nreason, or if your Card has expired. Each check must be in the\nform we have issued you. These checks may be used only by\nthe person(s) whose name(s) is/are printed on the check, and\nmay not be used to pay an amount owed us under this or any\nother account or agreement that you have with us. You are\nresponsible for all authorized use of your checks to pay any\namount which you owe under this Agreement. We are not\nobligated to certify these checks nor will we return paid checks\nto you.\n\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:\nGenisys Credit Union\n2100 Executive Hills Blvd\nAuburn Hills, MI 48326\n\n\x0cIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 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 to investigate any\npotential 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 already corrected the\nerror.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send\nyou a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe 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 refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the 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 correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these necessary if your purchase was based on an advertisement we mailed to you, or if we\nown the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nGenisys Credit Union\n2100 Executive Hills Blvd\nAuburn Hills, MI 48326\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nYOUR SAVINGS ARE SECURITY FOR THIS CONTRACT\nYou give us a security interest in all present or future shares or deposits\nin Genisys Credit Union which you have the right to withdraw for your\npersonal use. If your Account is in default as defined in this Agreement or\nunder applicable law, we can apply money from your shares or deposits to\nthis Account for any payments that are past due, as well as for any fees or\nother charges.\n\n\x0c'


b'Important Terms and Conditions for Credit Card Accounts\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nYour APR will be 10.50% to 17.90%. This APR will\nvary with the market based on the Prime Rate and your\ncreditworthiness or other factors.\n\nAPR for Balance\nTransfers\n\nYour APR will be 10.50% to 17.90%. This APR will vary with the\nmarket based on the Prime Rate and your creditworthiness or\nother factors.\n\nAPR for Cash Advances\nYour APR will be 10.50% to 17.90%. This APR will vary with the\nmarket based on the Prime Rate and your creditworthiness or\nother factors.\n\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from\nThe Consumer Financial\nProtection Bureau\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Foreign\nTransaction\nPenalty Fees\n\xef\x82\xb7\nLate Payment\n\xef\x82\xb7\nReturned Payment\n\nYour due date is at least 25 days after the close of each billing\ncycle. We will not charge you interest on purchases if you pay\nyour entire balance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\n1% of each transaction in U.S. dollars.\n\n$25\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance including new\npurchases.\xe2\x80\x9d The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure,\nwhich will be sent to you with the new card(s).\nThe information about the costs of the card described in this application is accurate as of 04/07/2020.\nThis information may have changed after that date. To find out what may have changed, call us at\n940.387-8585, 866.387.8585 or write to us at DATCU Credit Union, P.O. Box 827, Denton, TX\n76202-0827.\n\nRev. 04/07/2020\n\n\x0c'