b'Digital Federal Credit Union (DCU)\nSecured Visa\xc2\xae Agreement and\nAdditional Federal Disclosure\nUse this form when requesting a Secured DCU Visa\xc2\xae Credit Card.\nTo speed the processing of your application please follow these steps:\n1. Complete the Secured Visa Disclosure Form in its entirety and sign it. Incomplete or unsigned\napplications will delay processing of your request.\n2. If you are applying for a Secured VISA Credit Card at the same time you are applying for\nMEMBERSHIP with DCU, mail the completed form, along with the actual application, cashier\xe2\x80\x99s check\nor money order for the amount of secured credit you are requesting, and the required notarized\ndocumentation to:\nDigital Federal Credit Union\nAttn: Consumer Loan Department\n220 Donald Lynch Boulevard,\nPO Box 9130\nMarlborough, MA 01752-9130\nor stop by any of our branch offices.\n3. If you are already a member you may also fax this form, along with the loan application, to 508/2636392.\n\nWhat you can expect\nOnce you\xe2\x80\x99ve mailed or faxed your application . . .\n1. If you are approved, the funds will be secured as you have indicated on the form and your DCU VISA\nCard(s) will be mailed directly to the Primary Borrower\xe2\x80\x99s address.\n2. Please allow 2 weeks to receive your card/cards.\n\n\x0cDigital Federal Credit Union (DCU)\nSecured Visa\xc2\xae Agreement and\nAdditional Federal Disclosure\nPLEASE PRINT\nBorrower Name ________________________________________________\nCo-Borrower Name (if applicable)__________________________________\nMember Number ___________________ Account in which Pledged Funds (Shares) are Currently #_______\nAmount of Shares Pledged (must be equal to amount of secured credit being requested) $_______________\nThese funds will be moved to a separate account within your Membership. You will see the account reflected\non your statement.\nThis \xe2\x80\x9cAdditional Disclosure\xe2\x80\x9d is provided together with the Digital Federal Credit Union VISA Credit Card Agreement\nand Federal Truth-in-Lending Disclosure Statement incorporated by this reference.\nPledge of Shares (Funds): I (the borrower(s)), understand that I am pledging, under the Uniform Commercial Code,\nshares now on deposit in the account I have designated above. I understand that I must, at all times, keep a sum\nequal to my total credit limit and/or any secured credit increase in this account and that all these funds will not be\navailable to me until such time as I repay my entire loan and my loan account is terminated. I understand that this\nsecurity interest will cover future purchases and advances under this Disclosure and Agreement. If I default, you\n(DCU) may apply these shares to repay my loan in accordance with federal or other law.\nI understand that the ANNUAL PERCENTAGE RATE I received when I opened this loan: (1) applies only while the\nloan is fully secured and that if for any reason I no longer have sufficient funds in this share account to secure the\ncredit limit and you are unable to transfer the needed funds from any of my other DCU Accounts, my ANNUAL\nPERCENTAGE RATE will be increased to that of your then current unsecured Visa Credit Card Account product as\ndetermined by my personal credit history and (2) does not take into account the amount pledged in my share\naccount. Further, I understand that this pledge of shares in no way effects your ability to increase my ANNUAL\nPERCENTAGE YIELD if payment is considered late.\nPledge of Future Shares for Secured Credit Limit Increases: If, in the future, I request an increase in the\namount of credit accessible to me via this Visa Account, I understand and agree that you will automatically\nhold an amount equal to the amount of the increase I have requested, in addition to that amount already held,\nin the Share Account designated above.\nCopy Received: I acknowledge receipt of the Digital Federal Credit Union Visa Credit Card Agreement and Federal\nTruth-in-Lending Disclosure Statement and this document, as an integrated part of that Agreement and Disclosure\nStatement, and agree to the terms.\n\nBorrower Signature\n\nDate\n\nCo-Borrower Signature\n\nDate\n\nM729B (2.2010)\n\n\x0c'


b'5/18/2016\n\nVisa Disclosures\n\nLogin\n\nEnroll for Online Banking\nMENU\n\nIMPORTANT DISCLOSURE INFORMATION - UNITY ONE CREDIT UNION VISA\xc2\xae GOLD\nCREDIT CARD\n\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\n1/6\n\n\x0c5/18/2016\n\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\nVisa Disclosures\n\n2/6\n\n\x0c5/18/2016\n\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\nVisa Disclosures\n\n3/6\n\n\x0c5/18/2016\n\nVisa Disclosures\n\nHow we will Calculate Your Balance. We will use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). We\nmay charge the rates, fees, and terms of your card agreement from time to time as permitted by law. We will give you\nadvance notice of the changes and a right to opt out to the extent required by law.\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\n4/6\n\n\x0c5/18/2016\n\nVisa Disclosures\n\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your\nAccount Agreement.How we will Calculate Your Balance. We will use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including\nnew purchases). We may charge the rates, fees, and terms of your card agreement from time to time as permitted by law.\nWe will give you advance notice of the changes and a right to opt out to the extent required by law.\nEffective Date. The information about the cost of the card described in this application is accurate as of March 23, 2011.\nThis information many have changed after that date. To find out what may have changed, contact the Credit Union by\ncalling (800) 628-5517.\nNOTICE: READ AND RETAIN THIS VISA CARD AGREEMENT AND DISCLOSURE FOR FUTURE REFERENCE. New\nYork Residents: We may obtain your credit report in connection with this extension of credit and subsequently for updates,\ncollection or other legitimate purposes associated with extension of the credit. Ohio Residents: Ohio anti-discrimination laws\nrequire creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain\nseparate credit histories on individuals upon request. The Ohio Civil Rights Commission administers compliance with this\nlaw. Vermont Residents: By responding to this offer of credit, you consent to our obtaining your credit report in connection\nwith this extension of credit, and subsequent credit reports for the purpose of reviewing the account, increasing the credit\nline, taking collection action or other legitimate purposes associated with your account. Married Wisconsin Residents: No\nprovision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely\naffect the Credit Union\xe2\x80\x99s interest unless prior to the time\ncredit is granted, the Credit Union is furnished with a copy of the agreement, statement of court order, or has actual\nknowledge of the provision.\n*Rates quoted as APR, Annual Percentage Rate. Your precise rate will depend on your credit worthiness. You must qualify\nfor the lowest rate. Contact the Credit Union for the current rate you qualify for.\n**Penalty Rate: If you are thirty (30) or more days delinquent in making payments three times in a twelve (12) month\nperiod, the APR on your account will increase to the penalty rate of 18%. The Penalty APR will apply until you make six (6)\nconsecutive minimum payments when due.\nNON-SUFFICIENT FUNDS FEE: A Non-Sufficient Funds fee of $25 will be charged to your account for any check returned\nunpaid. We will charge you this fee the first time any payments returned unpaid, even if paid upon resubmission.\nLOST/STOLEN CARDS: if you notify us verbally by calling (800) 325-3678 or in writing at VISA Customer Service - Credit\nCard Security Dept., PO Box 30495, Tampa, FL, 33630, within two (2) business days of a loss, theft, or possible\nunauthorized use of your card, you will not be liable for any unauthorized purchases.\nTRAVEL ACCIDENT INSURANCE: Travel Accident Insurance of up to $500,000 for Gold and up to $250,000 for Classic.\nStarter and Savings Secured available only charges for a common carrier tickets are made to a Unity One VISA Credit Card.\n\nBanking with Us\nLending Center\nChecking Accounts\nSavings Accounts\nE-Services\nMember Discounts\n\nMember Services\nOpen an Account\nManage Your Account\nDownload Online Forms\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\n5/6\n\n\x0c5/18/2016\n\nVisa Disclosures\n\nBill Pay\nView Our Calendar\n\nLearn More\nFinancial Education\nView Our FAQs\nAbout Unity One\nEligibility\nBecome a Member\n\nCall Us: 800-628-5517\nUnity One Credit Union has a full-line of products and services to meet your needs. Hassle-free and community-minded,\nUnity One is the banking solution for any lifestyle.\nEMAIL US\n\nFIND A LOCATION\n\nLIKE US ON FACEBOOK\n\nFOLLOW US ON TWITTER\n\nCopyright 2015 Unity One Credit Union\n\nSitemap\n\nSite by: Glint Advertising\n\nNMLS 411620 | PRIVACY | DISCLOSURES | FEE SCHEDULE | 800.628.5517\n\nThis credit union is federally insured by the\nNATIONAL CREDIT UNION ADMINISTRATION\n\nhttp://info.unityone.org/visa\xc2\xaddisclosures\n\n6/6\n\n\x0c'


b'/MasterCard\n\n\xc2\xae\n\n\xc2\xae\n\nCREDIT CARD AGREEMENT\n\n255 N. Lone Hill Ave. San Dimas, CA 91773\n\nNOTICE: See reverse side for important information regarding your rights to dispute billing errors.\nIn this Agreement, the words you and your mean the person or persons who use or authorize the use of, or who sign an application for, a Christian Community Credit Union VISA/MasterCard. Card means\nthe Christian Community Credit Union VISA/MasterCard and any duplicates and renewals the Credit Union issues to you. Account means your VISA/MasterCard line of credit account with the Credit Union.\nCredit Union means Christian Community Credit Union.\n1. Using the Account. If your application for a VISA/MasterCard account is approved, the\nChristian Community Credit Union will establish a line of credit for you and notify you of its amount\nwhen the card is sent to you. You agree not to let your account balance exceed your approved credit\nlimit. Each payment you make on the account will restore your credit limit by the amount of the payment\nwhich is applied to the principal amount of purchases and cash advances. You may request an increase\nin your credit limit only by written application submitted to the Credit Union. The Credit Union has the\nright to reduce or terminate your credit limit at any time.\n2. Using the Card. You may use your card to purchase goods and services in person, online, and\nby mail or telephone from merchants and others who accept VISA/MasterCard credit cards. In addition,\nyou may obtain cash advances up to $1,000 of your approved and available credit limit from the Credit\nUnion, from other financial institutions or select merchants participating in the VISA/MasterCard program\nand from automated teller machines (ATMs), such as VISA/MasterCard ATM Network, that provide access\nto the VISA/MasterCard system. (Not all merchants or ATMs provide such access.) You will need to use\nyour Personal Identification Number (PIN) to obtain a cash advance from an ATM.\n3. Illegal Use of VISA/MasterCard Credit Card. You agree that your VISA/MasterCard\nCredit Card Account will not be used to make or facilitate any transaction(s) that are or might be construed\nto be illegal pursuant to applicable law, rule or ordinance, including but not limited to gambling. Said\nuse, including any such authorized use, will constitute an event of default under this Agreement. You\nagree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by\nyou or any authorized user(s). You agree that you are responsible for repayment of any and all debts\nincurred for these transactions. You further agree to indemnify and hold the Credit Union harmless from\nany suits, liability, damages or adverse action of any kind that results directly or indirectly from such\nillegal use.\n4. Responsibility. You agree to pay all charges (purchases and cash advances) to your account\nmade by you or anyone who you authorize to use your account. You also agree to pay all other charges\nadded to your account, pursuant to Paragraph 7.Your obligation to pay the amount owed on your account\ncontinues until paid in full even though an agreement, divorce decree or other court judgment to which\nthe Credit Union is not a party may direct someone else to pay the account balance. If more than one\nperson signs this Agreement, each is individually responsible for all amounts owed on the account and\nall are jointly responsible for all amounts owed. This means the Credit Union can enforce this Agreement\nagainst any of you individually or all of you collectively.\n5. Finance Charges. In order to avoid a FINANCE CHARGE on purchases made since\nyour last statement date, you must pay the Total New Balance shown on your statement within 25 days\nof the statement closing date. Otherwise the FINANCE CHARGE on purchases is calculated\nfrom the beginning of the next statement period on previously billed but unpaid purchases and on new\npurchases from the date they are posted to your account. Cash advances and balance transfers are\nalways subject to a FINANCE CHARGE from the date they are posted to your account.\nWe figure the FINANCE CHARGE on your account by applying the periodic rate to the \xe2\x80\x98\xe2\x80\x98average\ndaily balance\xe2\x80\x99\xe2\x80\x99 of your account. To get the \xe2\x80\x98\xe2\x80\x98average daily balance\xe2\x80\x99\xe2\x80\x99 we take the beginning balance of\nyour account each day, add any new purchases, and cash advances, and subtract any unpaid other\nfinance charges and any payments or credits. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives us the \xe2\x80\x98\xe2\x80\x98average daily balance.\xe2\x80\x9d\nVISA Signature Rewards, VISA Rewards and World MasterCard\nRewards Accounts\nYour VISA Signature Rewards, VISA Rewards and World MasterCard Rewards\nAccounts will be subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE\nRATE and a corresponding Monthly Periodic Rate which will be a standard variable\n(floating) rate based upon an index plus a margin. The margin applicable to your account will\nbe determined by your creditworthiness. The ANNUAL PERCENTAGE RATE and the\ncorresponding Monthly Periodic Rate will apply to purchases, cash advances and\nbalance transfers.\nIndex\nThe Index is Prime Rate (\xe2\x80\x9cIndex\xe2\x80\x9d). Information about this Index is published in the Money Rates Table\nof the Wall Street Journal.\nRate Changes\nThe ANNUAL PERCENTAGE RATE may change on the first (1st) day of each billing cycle.\nThese are known as rate change dates. The Index value used for a given billing cycle will be the\nvalue published on first (1st) business day before the change date or the most recently published value\npublished before the change date. If more than one rate is published, the Index will be the highest of\nthe rates published. If the Index ceases to be published, the Credit Union will choose a new Index and\ngive you notice of its choice.\nDetermination of Annual Percentage Rate\nThe Credit Union will add a margin ranging from 7.65% to 13.65%, depending on your credit score,\nto the Index to get the ANNUAL PERCENTAGE RATE applicable to your Account for the billing\ncycle. Notification of the margin for which you have been approved will be provided on the VISA Signature\nRewards, VISA Rewards and World MasterCard Rewards Accounts Approval Letter sent to you upon\ncompletion of the credit review and approval.\nANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the\ncorresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the Prime\nRate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and the\ncorresponding Monthly Periodic Rate applicable to your Account.\n\nCU Store # 7018e\n\nLimitations on Changes\nThere is no limit on the amount by which the rate changes in any one-year period. The maximum\nANNUAL PERCENTAGE RATE that can apply is 18.00%.\nAnnual Percentage Rate Example\nBased upon a margin of 7.65% (your margin may be different depending on your credit score) plus\nan Index value of 3.50%, (which was the value of the Index on May 1, 2016), your Account would\nbe subject to a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE of\n11.15%, with a corresponding Monthly Periodic Rate of 0.929%.\nOn the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL\nPERCENTAGE RATE and the corresponding Monthly Periodic Rate will be calculated\naccording to the formula described above and will be stated on our VISA Signature Rewards, VISA\nRewards and World MasterCard Rewards Accounts Approval Letter.\n\nVISA Business Rewards Account\n\nYour VISA Business Rewards Account will be subject to a FINANCE CHARGE (interest)\nat an ANNUAL PERCENTAGE RATE and a corresponding Monthly Periodic Rate\nwhich will be a standard variable (floating) rate based upon an index plus a margin of 7.65%. The\nANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic Rate will\napply to purchases, cash advances and balance transfers.\nIndex\nThe Index is Prime Rate (\xe2\x80\x9cIndex\xe2\x80\x9d). Information about this Index is published in the Money Rates Table\nof the Wall Street Journal.\nRate Changes\nThe ANNUAL PERCENTAGE RATE may change on the first (1st) day of each billing cycle.\nThese are known as rate change dates. The Index value used for a given billing cycle will be the\nvalue published on first (1st) business day before the change date or the most recently published value\npublished before the change date. If more than one rate is published, the Index will be the highest of\nthe rates published. If the Index ceases to be published, the Credit Union will choose a new Index and\ngive you notice of its choice.\nOn the first (1st) day of each calendar month and on each subsequent change date, the ANNUAL\nPERCENTAGE RATE and the corresponding Monthly Periodic Rate will be calculated\naccording to the formula described below and will be stated on our VISA Business Rewards Approval Letter.\nDetermination of Annual Percentage Rate\nThe Credit Union will add a margin of 7.65% to the Index to get the ANNUAL PERCENTAGE\nRATE applicable to your Account for the billing cycle. Based upon an Index value of 3.50%, (which was\nthe value of the Index on May 1, 2016), your Account would be subject to a FINANCE CHARGE\n(interest) at an ANNUAL PERCENTAGE RATE of 11.15%, with a corresponding\nMonthly Periodic Rate of 0.929%.\nANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to get the\ncorresponding Monthly Periodic Rate for the billing cycle. An increase or decrease in the\nPrime Rate will lead to an increase or decrease in your ANNUAL PERCENTAGE RATE and the\ncorresponding Monthly Periodic Rate applicable to your Account.\nLimitations on Changes\nThere is no limit on the amount by which the rate changes in any one-year period. The maximum\nANNUAL PERCENTAGE RATE that can apply is 18.00%.\n6. Change in Terms; Changing or Terminating Your Account. The Credit Union\nmay change the terms of this Agreement, including your ANNUAL PERCENTAGE RATE, from\ntime to time for any reason not inconsistent with applicable law after giving you any advance notice\nrequired by law. Your use of the card after receiving notice of a change will indicate your agreement to\nthe change. To the extent the law permits, and except as otherwise indicated in the notice to you, the\nchange will apply to your existing account balance as well as to future transactions. Either the Credit\nUnion or any one of you may terminate this Agreement at any time, but termination by you or the Credit\nUnion will not affect your obligation to pay the account balance plus any finance and other charges you\nowe under this Agreement. The cards you receive remain the property of the Credit Union and you must\nrecover and surrender to the Credit Union all cards upon request or upon termination of this Agreement\nwhether by you or the Credit Union.\n7. Other Charges. The following Other Charges will be added to your account, as applicable:\n\xe2\x80\xa2\nIf you are a credit card member only with no other relationship with Christian Community Credit\nUnion, a one-time non-refundable membership fee of $25.00 will be charged to your credit card account.\n\xe2\x80\xa2\nCASH ADVANCE FEE (FINANCE CHARGE): You will be charged a cash advance fee of 2% of\nthe amount advanced with a $5.00 minimum.\n\xe2\x80\xa2\nCOPIES: If you request a copy of any document, we may charge your account $5.00 per copy\nrequested. If your request is related to a billing error and an error is found, we will credit any copying\ncharges to your account.\n\xe2\x80\xa2\nLATE PAYMENT FEE: We reserve the right to charge a late payment fee of up to $15.00 to your\naccount each billing period that the minimum monthly payment is not received by 15 days after due date.\n\xe2\x80\xa2\nRETURNED PAYMENT FEE: A fee of up to $25.00 will be assessed for each card payment that\nis returned to the Credit Union.\n\xe2\x80\xa2\nEXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you request express delivery\nof your card or personal identification number (PIN).\n\n\xc2\xa9 2000-2016 Simply Legal - All Rights Reserved\n\nREV. 03/04/16 PTD 05/2016\n\n\x0c\xe2\x80\xa2\nPIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN needs to be replaced.\n\xe2\x80\xa2\nMINIMUM FINANCE CHARGE: The minimum Finance Charge that may be assessed is $1.00.\n\xe2\x80\xa2\nCARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your card needs to be replaced\ndue to damage, loss, or theft.\n\xe2\x80\xa2\nBALANCE TRANSFER FEE (FINANCE CHARGE): You will be charged a balance transfer fee of\n2% of the amount transferred with a $5.00 minimum.\n8. Monthly Payment. Each month you must pay at least the minimum payment shown on your\nstatement by the Payment Due Date shown. You may, of course, pay more frequently, pay more than the\nminimum payment, or pay the Total New Balance in full. If you make extra payments or larger payments,\nyou are still required to make at least the minimum payment each month your account has a balance. The\nminimum payment is 3% of your Total New Balance but not less than $10.00, plus the amount of any prior\nminimum payments that you have not paid. In addition, if at any time your Total New Balance exceeds your\ncredit limit, you must immediately pay the excess upon demand. Subject to applicable law, your payments\nwill be applied to what you owe the Credit Union in any manner the Credit Union chooses.\n9. Default. You will be in default if you fail to make any minimum payment or other required\npayment by the date that it is due. You will be in default if you break any promise you make under\nthis Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is,\nunable to pay your obligations when they become due. You will be in default if you make any false\nor misleading statements in any credit application or credit update. You will also be in default if\nsomething happens that the Credit Union believes may substantially reduce your ability to repay\nwhat you owe. When you are in default, the Credit Union has the right to immediately terminate this\nAgreement and require repayment of your outstanding account balance plus any finance and other\ncharges you owe under this Agreement. At the Credit Union\xe2\x80\x99s discretion, any shares that were given\nas security may be applied towards what you owe. To the extent permitted by law, you will also be\nrequired to pay the Credit Union\xe2\x80\x99s collection expenses, including court costs and attorneys\xe2\x80\x99 fees.\n10. Liability for Unauthorized Use. If you notice the loss or theft of your credit card or\na possible unauthorized use of your card, you should write to us immediately at 255 N. Lone Hill\nAvenue, San Dimas, CA 91773, or call us at (800) 449-7728.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however,\nbe liable for unauthorized use that occurs before your notice to us. In any case, your liability will\nnot exceed $50.\n11. Liability for Unauthorized Use of Your VISA Credit Card. If there is an unauthorized\nuse of your consumer VISA Credit Card or a Plus network or Interlink transaction, and the transaction\ntakes place on the VISA network, then your liability will be zero ($0.00). This provision limiting your\nliability does not apply to VISA Business Rewards cards or VISA Purchasing Card Transactions,\nATM cash disbursements processed on non-VISA or non-Plus networks, or non-VISA PIN-less debit\ntransactions. Additionally, your liability with respect to unauthorized transactions may be greater than\nthe above zero ($0.00) liability limit, to the extent allowed under applicable law, if the credit union\nreasonably determines, based on substantial evidence, that you were grossly negligent or fraudulent\nin the handling of your account or card.\n12. Liability for Unauthorized Use of your MasterCard. If there is an unauthorized use of your MasterCard\nCredit Card then your liability will be zero ($0.00) so long as you have exercised reasonable care in\nsafeguarding your card from risk of loss or theft and upon becoming aware, you have promptly reported\nthe loss or theft to the Credit Union. If you cannot meet these requirements then your liability with\nrespect to unauthorized transactions may be greater than the above zero ($0.00) liability limit, to the\nextent allowed under applicable law. In any case, to minimize your potential liability you should notify us\npromptly of any unauthorized use, but no later than sixty (60) days after your statement was mailed to\nyou. This provision limiting your liability does not apply to MasterCard commercial cards.\n\n13. Credit Information. You authorize the Credit Union to investigate your credit standing when\nopening 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. Pursuant to state law,\nyou are hereby notified that a negative credit report reflecting on your credit record may be submitted to\na credit reporting agency if you fail to fulfill the terms of your credit obligations.\n14. Returns and Adjustments. Merchants and others who honor the card may give credit for\nreturns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted\nto your account. If your credits and payments exceed what you owe the Credit Union, the amount will\nbe applied against future purchases and cash advances. If the amount is $1 or more, it will be refunded\nupon your written request or automatically after six months.\n15. Foreign Transactions. Purchases and cash advances made in foreign currencies will\nbe billed to you in U.S. dollars. Transactions processed outside of the United States or in a foreign\ncurrency may be charged a foreign transaction fee, regardless of whether there is a currency conversion\nassociated with the transaction. The conversion rate in dollars will be a rate selected by VISA from a\nrange of rates available in wholesale currency markets for the applicable Central Processing Date,\nwhich rate may vary from the rate VISA itself receives, or the government-mandated rate in effect\nfor the applicable Central Processing Date in each instance, plus a one percentage point (1.0%) fee\ncharged by the Issuer.\n16. MasterCard Cross-Border Transactions. Purchases and cash advances made in\nforeign currencies will be billed to you in U.S. dollars. If a cross-border transaction on a U.S.-issued\ncredit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will\nconvert the transaction to the cardholder\xe2\x80\x99s billing currency using its currency conversion procedure.\nMasterCard uses either a government mandated exchange rate, or a wholesale exchange rate selected\nby MasterCard. The government-mandated exchange rate or wholesale exchange rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day\nthe transaction is processed, which may differ from that applicable to the date the transaction occurred\nor when it is posted to your account. Added to your cross-border transaction are a MasterCard Issuer\ncross-border assessment of eight-tenths of one percent (.8%) and currency conversion assessment of\ntwo-tenths of one percent (.2%).\n17. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant\nor financial institution to honor the card. The Credit Union is subject to claims and defenses (other\nthan tort claims) arising out of goods or services you purchase with the card if you have made a good\nfaith attempt but have been unable to obtain satisfaction from the merchant or service provider, and\n(a) your purchase was made in response to an advertisement the Credit Union sent or participated\nin sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100\nmiles of your home.\n18. Effect of Agreement. This Agreement is the contract which applies to all transactions on your\naccount even though the sales, cash advances, credit or other slips you sign or receive may contain\ndifferent terms.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without\nlosing them.\n20. Statements and Notices. You will receive a statement each month showing transactions on\nyour account. Statements and notices will be mailed to you at the most recent address you have given\nthe Credit Union. Notice sent to any one of you will be considered notice to all. You agree to promptly\nnotify the Credit Union if you change your mailing address.\n21. Transfer of Account. You cannot transfer or assign your account to any other person.\n22. Governing Law. This Agreement and your account shall be governed by California law without\nregard to any conflict of law rules.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Christian Community Credit Union,\n255 N. Lone Hill Avenue, San Dimas, CA 91773.\nIn your letter, give us the following information:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\n\nYou must contact us:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential error in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you that we received your letter.\nWe will also tell you if we have already corrected the error.\n\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the\namount we think you owe. If you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven 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\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\n1. The purchase must have been made in your home State or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or\nif 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\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nChristian Community Credit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773. While we investigate,\nthe same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\n\x0c'


b'\xc2\xae\n\nSecured\n\nCREDIT CARD AGREEMENT\n255 N. Lone Hill Ave. San Dimas, CA 91773\n\nNOTICE: See reverse side for important information regarding your rights to dispute billing errors.\n1. Using the Account. If your application for a VISA Secured account is approved,\nthe Christian Community Credit Union will establish a line of credit for you and\nnotify you of its amount when the card is sent to you. You agree not to let your\naccount balance exceed your approved credit limit. Each payment you make\non the account will restore your credit limit by the amount of the payment which\nis applied to the principal amount of purchases and cash advances. You may\nrequest an increase in your credit limit only by written application submitted to\nthe Credit Union. The Credit Union has the right to reduce or terminate your\ncredit limit at any time.\n2. Using the Card. You may use your card to purchase goods and services\nin person, online, and by mail or telephone from merchants and others who\naccept VISA credit cards. In addition, you may obtain cash advances up to\n$1,000 of your approved and available credit limit from the Credit Union, from\nother financial institutions or select merchants participating in the VISA program\nand from automated teller machines (ATMs), such as VISA ATM Network, that\nprovide access to the VISA system. (Not all merchants or ATMs provide such\naccess.) You will need to use your Personal Identification Number (PIN) to\nobtain a cash advance from an ATM.\n3. Illegal Use of VISA Credit Card. You agree that your VISA Credit Card Account\nwill not be used to make or facilitate any transaction(s) that are or might be\nconstrued to be illegal pursuant to applicable law, rule or ordinance, including\nbut not limited to gambling. Said use, including any such authorized use, will\nconstitute an event of default under this Agreement. You agree that the Credit\nUnion has no liability, responsibility or culpability whatsoever for any such\nuse by you or any authorized user(s). You agree that you are responsible for\nrepayment of any and all debts incurred for these transactions. You further\nagree to indemnify and hold the Credit Union harmless from any suits, liability,\ndamages or adverse action of any kind that results directly or indirectly from\nsuch illegal use.\n4. Responsibility. You agree to pay all charges (purchases and cash advances)\nto your account made by you or anyone who you authorize to use your account.\nYou also agree to pay all other charges added to your account, pursuant to\nParagraph 7.Your obligation to pay the amount owed on your account continues\nuntil paid in full even though an agreement, divorce decree or other court\njudgment to which the Credit Union is not a party may direct someone else\nto pay the account balance. If more than one person signs this Agreement,\neach is individually responsible for all amounts owed on the account and all\nare jointly responsible for all amounts owed. This means the Credit Union can\nenforce this Agreement against any of you individually or all of you collectively.\n5. Finance Charges. In order to avoid a FINANCE CHARGE on purchases made\nsince your last statement date, you must pay the Total New Balance shown\non your statement within 25 days of the statement closing date. Otherwise\nthe FINANCE CHARGE on purchases is calculated from the beginning of the\nnext statement period on previously billed but unpaid purchases and on new\npurchases from the date they are posted to your account. Cash advances and\nbalance transfers are always subject to a FINANCE CHARGE from the date they\nare posted to your account.\nWe figure the FINANCE CHARGE on your account by applying the periodic\nrate to the \xe2\x80\x98\xe2\x80\x98average daily balance\xe2\x80\x99\xe2\x80\x99 of your account. To get the \xe2\x80\x98\xe2\x80\x98average daily\nbalance\xe2\x80\x99\xe2\x80\x99 we take the beginning balance of your account each day, add any\nnew purchases, and cash advances, and subtract any unpaid other finance\ncharges and any payments or credits. This gives us the daily balance. Then,\nwe add up all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the \xe2\x80\x98\xe2\x80\x98average daily balance.\xe2\x80\x9d\n\nSecured VISA Rewards Account\nYour Secured VISA Rewards Account will be subject to a FINANCE CHARGE (interest)\nat an ANNUAL PERCENTAGE RATE and a corresponding Monthly Periodic Rate\nwhich will be a standard variable (floating) rate based upon an index plus a\nmargin. The margin applicable to your account will be determined by your\ncreditworthiness.The ANNUAL PERCENTAGE RATE and the corresponding Monthly\nPeriodic Rate will apply to purchases, cash advances and balance transfers.\nIndex\nThe Index is Prime Rate (\xe2\x80\x9cIndex\xe2\x80\x9d). Information about this Index is published\nin the Money Rates Table of the Wall Street Journal.\nRate Changes\nThe ANNUAL PERCENTAGE RATE may change on the first (1st) day of each\nbilling cycle. These are known as rate change dates. The Index value used for\na given billing cycle will be the value published on first (1st) business day before\n\xc2\xa92007-2016 Simply Legal - All Rights Reserved\n\nthe change date or the most recently published value published before the\nchange date. If more than one rate is published, the Index will be the highest\nof the rates published. If the Index ceases to be published, the Credit Union\nwill choose a new Index and give you notice of its choice.\nDetermination of Annual Percentage Rate\nThe Credit Union will add a margin ranging from 7.65% to 13.65%, depending on\nyour credit score, to the Index to get the ANNUAL PERCENTAGE RATE applicable\nto your Account for the billing cycle. Notification of the margin for which you\nhave been approved will be provided on the Secured VISA Rewards Approval\nLetter sent to you upon completion of the credit review and approval.\nANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to\nget the corresponding Monthly Periodic Rate for the billing cycle. An increase\nor decrease in the Prime Rate will lead to an increase or decrease in your\nANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic Rate\napplicable to your Account.\nLimitations on Changes\nThere is no limit on the amount by which the rate changes in any one-year\nperiod. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00%.\nAnnual Percentage Rate Example\nBased upon a margin of 7.65% (your margin may be different depending on\nyour credit score) plus an Index value of 3.50%, (which was the value of the\nIndex on May 1, 2016), your Account would be subject to a FINANCE CHARGE\n(interest) at an ANNUAL PERCENTAGE RATE of 11.15%, with a corresponding Monthly\nPeriodic Rate of 0.929%.\nOn the first (1st) day of each calendar month and on each subsequent change\ndate, the ANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic\nRate will be calculated according to the formula described above and will be\nstated on our Secured VISA Rewards Approval Letter.\n6. Change in Terms; Changing or Terminating Your Account. The Credit Union\nmay change the terms of this Agreement, including your ANNUAL PERCENTAGE\nRATE, from time to time for any reason not inconsistent with applicable law\nafter giving you any advance notice required by law. Your use of the card after\nreceiving notice of a change will indicate your agreement to the change. To\nthe extent the law permits, and except as otherwise indicated in the notice\nto you, the change will apply to your existing account balance as well as to\nfuture transactions. Either the Credit Union or any one of you may terminate\nthis 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\nother charges you owe under this Agreement. The cards you receive remain\nthe property of the Credit Union and you must recover and surrender to the\nCredit Union all cards upon request or upon termination of this Agreement\nwhether by you or the Credit Union.\n7. Other Charges. The following Other Charges will be added to your account,\nas applicable:\n\xe2\x80\xa2\nIf you are a credit card member only with no other relationship with\nChristian Community Credit Union, a one-time non-refundable membership\nfee of $25.00 will be charged to your credit card account.\n\xe2\x80\xa2\nCASH ADVANCE FEE (FINANCE CHARGE): You will be charged a cash\nadvance fee of 2% of the amount advanced with a $5.00 minimum.\n\xe2\x80\xa2\nBALANCE TRANSFER FEE (FINANCE CHARGE): You will be charged\na balance transfer fee of 2% of the amount transferred with a $5.00 minimum.\n\xe2\x80\xa2\nCOPIES: If you request a copy of any document, we may charge your\naccount $5.00 per copy requested. If your request is related to a billing error\nand an error is found, we will credit any copying charges to your account.\n\xe2\x80\xa2\nLATE PAYMENT FEE: We reserve the right to charge a late payment fee\nof up to $15.00 to your account each billing period that the minimum monthly\npayment is not received by 15 days after due date.\n\xe2\x80\xa2\nRETURNED PAYMENT FEE: A fee of up to $25.00 will be assessed for\neach card payment check that is returned to the Credit Union.\n\xe2\x80\xa2\nEXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you\nrequest express delivery of your card or PIN.\n\xe2\x80\xa2\nPIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN\nneeds to be replaced.\n\xe2\x80\xa2\nMINIMUM FINANCE CHARGE: The minimum Finance Charge that may\nbe assessed is $1.00.\n\nCU STORE # 7018\n\n(CUSTOM)\n\nRev. 3/4/16\n\nPTD 5/2016\n\n\x0c\xe2\x80\xa2\nCARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your\ncard needs to be replaced due to damage, loss, or theft.\n8. Security Interest. If you give the Credit Union a specific pledge of shares\nby signing a separate pledge of shares for this account, your account will be\nsecured by your pledged shares.\n9. Monthly Payment. Each month you must pay at least the minimum payment\nshown on your statement by the Payment Due Date shown. You may, of course,\npay more frequently, pay more than the minimum payment, or pay the Total\nNew Balance in full. If you make extra payments or larger payments, you are\nstill required to make at least the minimum payment each month your account\nhas a balance. The minimum payment is 3% of your Total New Balance but\nnot less than $10.00, plus the amount of any prior minimum payments that\nyou have not paid. In addition, if at any time your Total New Balance exceeds\nyour credit limit, you must immediately pay the excess upon demand. Subject\nto applicable law, your payments will be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses.\n10. Default. You will be in default if you fail to make any minimum payment or\nother required payment by the date that it is due.You will be in default if you break\nany promise you make under this Agreement. You will be in default if you die,\nfile for bankruptcy or become insolvent, that is, unable to pay your obligations\nwhen they become due.You will be in default if you make any false or misleading\nstatements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce\nyour ability to repay what you owe. When you are in default, the Credit Union\nhas the right to immediately terminate this Agreement and require repayment\nof your outstanding account balance plus any finance and other charges you\nowe under this Agreement. At the Credit Union\xe2\x80\x99s discretion, any shares that\nwere given as security may be applied towards what you owe. To the extent\npermitted by law, you will also be required to pay the Credit Union\xe2\x80\x99s collection\nexpenses, including court costs and attorneys\xe2\x80\x99 fees.\n11. Liability for Unauthorized Use. If you notice the loss or theft of your credit card\nor a possible unauthorized use of your card, you should write to us immediately\nat: 255 N. Lone Hill Avenue, San Dimas, CA 91773, or call us at (800) 449-7728.\nYou will not be liable for any unauthorized use that occurs after you notify us.\nYou may, however, be liable for unauthorized use that occurs before your notice\nto us. In any case, your liability will not exceed $50.\n12. Liability for Unauthorized Use of Your Secured VISA Rewards Credit Card. If there\nis an unauthorized use of your consumer VISA Credit Card or a Plus network or\nInterlink transaction, and the transaction takes place on the VISA network, then\nyour liability will be zero ($0.00). This provision limiting your liability does not apply\nto VISA Business Rewards cards or VISA Purchasing Card Transactions, ATM\ncash disbursements processed on non-VISA or non-Plus networks, or non-VISA\nPIN-less debit transactions. Additionally, your liability with respect to unauthorized\ntransactions may be greater than the above zero ($0.00) liability limit, to the extent\nallowed under applicable law, if the credit union reasonably determines, based on\nsubstantial evidence, that you were grossly negligent or fraudulent in the handling\nof your account or card.\n\n13. Credit Information. You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit\nUnion to disclose information regarding your account to credit bureaus and\ncreditors who inquire about your credit standing. Pursuant to state law, you\nare 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\nyour credit obligations.\n14. Returns and Adjustments. Merchants and others who honor the card may\ngive credit for returns or adjustments, and they will do so by sending the Credit\nUnion a credit slip which will be posted to your account. If your credits and\npayments exceed what you owe the Credit Union, the amount will be applied\nagainst future purchases and cash advances. If the amount is $1 or more, it\nwill be refunded upon your written request or automatically after six months.\n15. Foreign Transactions. Purchases and cash advances made in foreign\ncurrencies will be billed to you in U.S. dollars. Transactions processed outside\nof the United States, or in a foreign currency may be charged a foreign\ntransaction fee, regardless of whether there is a currency conversion associated\nwith the transaction. The conversion rate in dollars will be a rate selected by\nVISA from a range of rates available in wholesale currency markets for the\napplicable Central Processing Date, which rate may vary from the rate VISA\nitself receives, or the government-mandated rate in effect for the applicable\nCentral Processing Date in each instance, plus a one percentage point (1.0%)\nfee charged by the Issuer.\n16. Merchant Disputes. The Credit Union is not responsible for the refusal of\nany merchant or financial institution to honor the card. The Credit Union is\nsubject 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\nhave been unable to obtain satisfaction from the merchant or service provider,\nand (a) your purchase was made in response to an advertisement the Credit\nUnion sent or participated in sending to you; or (b) your purchase cost more\nthan $50 and was made in your state or within 100 miles of your home.\n17. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your account even though the sales, cash advances, credit or\nother slips you sign or receive may contain different terms.\n18. No Waiver. The Credit Union can delay enforcing any of its rights any number\nof times without losing them.\n19. Statements and Notices. You will receive a statement each month showing\ntransactions on your account. Statements and notices will be mailed to you at\nthe most recent address you have given the Credit Union. Notice sent to any\none of you will be considered notice to all. You agree to promptly notify the\nCredit Union if you change your mailing address.\n20. Transfer of Account. You cannot transfer or assign your account to any\nother person.\n21. Governing Law. This Agreement and your account shall be governed by\nCalifornia law without regard to any conflict of law rules.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\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: Christian Community\nCredit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773.\nIn 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\nyou 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\nto stop payment on the amount you think is wrong.\nYou must notify us of any potential error in writing. You may call us, but if you do we\nare not required to investigate any potential errors and you may have to pay the\namount in question.\n\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.\nWe will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain\nto 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\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge 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\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\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\nor 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,\nalong with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe. If you receive our explanation but still\nbelieve 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\nthat you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\n\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou 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\nyour current mailing address, and the purchase price must have been more than\n$50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do\nnot 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,\ncontact us in writing at: Christian Community Credit Union, 255 N. Lone Hill Avenue,\nSan Dimas, CA 91773. While we investigate, the same rules apply to the disputed\namount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think\nyou owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'9/8/2021\n\nVisa credit card rates - Oregon State Credit Union\n\nOnline banking\n\nUsername\n\nPassword\n\nUSERNAME\nPASSWORD\n\nLOGIN\n\nEnroll Now | Forgot password?\n\n\xef\x82\x95\n\xef\x81\x80\n\xef\x83\xa0\n\nVisa\xc2\xae credit card disclosures, rates and fees\nVisa\xc2\xae credit card rates on purchases\nEffective Date: Wednesday, September 8th, 2021\nCredit card\n\nAPR (Low)*\n\nAPR (High)\n\nPerks\nSave on purchases and\n\nVisa\xc2\xae Value\n\n6.75%\n\n16.75%\n\nbalance transfers. Get our\nlowest rates.\n\nVisa Rewards\n\n9.25%\n\nEarn 1% cash back with each\n\n14.25%\n\npurchase.\nA co-signed, starter card for\n\nTeen Visa\n\n6.75%\n\n16.75%\n\nteens to learn responsible\ncredit use.\nEnjoy the convenience of a\n\nPrepaid Visa cards\n\nN/A\n\nN/A\n\ncard with no worry of credit\ndebt.\n\n* APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit\naccount, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the\nprime rate. Membership in this credit union is required to open a credit account.\n\nAdditional Visa credit card rates\nEffective Date: Wednesday, September 8th, 2021\nCredit card\n\nAPR (Low)*\n\nAPR (High)\n\nVisa Value / Teen Visa\n\n6.75%\n\n16.75%\n\nVisa Rewards\n\n9.25%\n\n14.25%\n\nVisa Value / Teen Visa\n\n6.75%\n\n16.75%\n\nVisa Rewards\n\n9.25%\n\n14.25%\n\nAPR for cash advances\n\nAPR for balance transfers\n\nhttps://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures\n\n1/2\n\n\x0c9/8/2021\n\nVisa credit card rates - Oregon State Credit Union\n\nCard fees based on Member Merits** category\nEffective Date: Wednesday, September 8th, 2021\nProduct fees\n\nEssential\n\nEnhanced\n\nPremier\n\nVisa Rewards annual fee***\n\n$25.00\n\n$15.00\n\n$0.00\n\n$0.00\n\n$0.00\n\n$0.00\n\nVisa Value / TLT (Teen) Visa\nannual fee\n\n\xef\x82\x95\n\xef\x81\x80\n\nForeign transaction fee \xe2\x80\x94 Up to 1% of the US dollar amount of the foreign transaction\n\n\xef\x83\xa0\n\nPrepaid Visa card fees \xe2\x80\x94 Reload: $3. Standard card: $6.95. Personalized card: $11.95\nPlastic card replacement fee\n\n$5.00\n\n$5.00\n\n$5.00\n\n**All members qualify for the essential category. Learn more about Member Merits and how to qualify for other categories.\n***Annual fee will be due on your credit account anniversary date.\nThere is no application fee and no cash advance fee for any of our Visa cards\nLate payment fee for all cards is $25 for all Member Merits categories\nTransfer fee for all cards is $4 for all Member Merits categories\nPlease contact Oregon State Credit Union for any changes in card terms disclosed.\nHow we will calculate your balance\nWe use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nHow to avoid paying interest\nYour payment due date is approximately 30 days after the close of each billing cycle. We will not charge any interest on the portion\nof the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nCredit card tips\nVisit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or\nusing a credit card at consumerfinance.gov/learnmore.\nView the full Visa credit card agreement and disclosure.\n\nhttps://www.oregonstatecu.com/loans/visa-credit-cards-rates-and-disclosures\n\n2/2\n\n\x0c'


b'RATES ARE ACCURATE AS OF August 1, 2021\n\nTYPE OF LOAN\n\nVEHICLES AND MOTORCYCLES\n\nAuto Loans\nRecreational Vehicles (New & Used)\n\nRATE AS LOW\nAS\n2.49% Fixed APR*\n7.50% Fixed APR*\n\nHOME EQUITY LINES OF CREDIT\nPrimeLine Account\n\n4.25% Variable APR*\n\nHOME EQUITY LOANS\n1 Mortgage\n\n1.99% Fixed APR*\n\n2nd Mortgage\n\n3.99% Fixed APR*\n\nPERSONAL LOANS\n\n9.99% APR*\n\nCREDIT CARDS\n\nVisa Platinum Preferred\nintroductory 7.50%\nFixed APR**\nVisa Platinum as low as\n11.25% Variable APR*\n\nST\n\nDISCLOSURE\n\n*Annual Percentage Rate. Rates, terms, and repayment\noptions subject to approval.\n\n*APR = Annual Percentage Rate. Rates subject to\nchange without notice. Loans subject to approval.\nActual rate will be determined by LTV. This rate\nvaries with the market based on Prime Rate. NMLS\nID 462532. Equal Housing Lender.\n\n*APR = Annual Percentage Rate. Rates subject to change\nwithout notice. Loans subject to approval. Actual rate\nwill be determined by credit score and loan term. Contact\na TFCU representative for full details. NMLS ID 462532.\nEqual Housing Lender.\n\n*Annual Percentage Rate. Loans subject to approval.\n*Annual Percentage Rate.\n**Annual Percentage Rate. Offer valid on new Visa\nPlatinum Preferred credit cards. Introductory period\nbegins at Visa account opening and lasts for 12 months.\nValid for purchases and balance transfers only. Cash\nadvances will receive the standard rate, currently\n10.50% \xe2\x80\x93 13.25% Variable APR, based on credit\nworthiness. This APR varies with the market based on\nPrime Rate. When the introductory period ends, the rate\nwill return to the standard rate. Card type and APR are\nsubject to approval. Ask a TFCU representative for full\ndetails.\n\nAPPLY FOR A LOAN\n\n\x0cAPPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM PREFERRED/VISA PLATINUM\nVISA CREDIT REBUILDER\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum Preferred\n\n7.50%\n\nIntroductory APR for a period of 12 billing cycles.\n\n10.50% , 11.00% or 13.25%\n\nAfter that, your APR will be\n,\nbased on your creditworthiness. This APR will vary with the market based\non the Prime Rate.\nVisa Platinum\n\n11.25% , 11.75%, 14.00%\x03RU 15.00%\nwhen you open your account, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\nVisa Credit Rebuilder\n\n18.00%\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Platinum PreferUHG\n7.50%\n\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03,QWURGXFWRU\\\x03$35\x03IRU\x03D\x03SHULRG\x03RI\x03\x14\x15\x03ELOOLQJ\x03F\\FOHV\x11\n$IWHU\x03WKDW\x0f\x03\\RXU\x03$35\x03ZLOO\x03EH\x03 10.50% 11.00% \x03RU\x03 13.25%\n\x03\x03\x03\x03\x03\x03\x03\x03based on\x03\\RXU\ncreditworthiness. 7KLV\x03$35\x03ZLOO\x03YDU\\\x03ZLWK\x03WKH\x03PDUNHW\x03EDVHG\x03RQ\x03WKH\x033ULPH\x03\n5DWH\x11\x03\nVisa Platinum\n11.25% ,\x03 11.75%,\x03 14.00%\x03RU\x03\x03 15.00%\n\x03\nwhen you open your\x03account,\x03\nbased on your creditworthiness. This APR will vary with the market\x03\nbased on the Prime Rate.\n\nAPR for Cash Advances\n\nVisa Credit Rebuilder\n18.00%\nThis APR will vary with the market based on the\x03Prime Rate.\nVisa Platinum Preferred\n10.50% , 11.00% or 13.25%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\x03\nRate.\nVisa Platinum\n11.25% ,\x03 11.75%,\x03 14.00%\x03RU\x03 15.00% when you open your\x03account,\x03based\non your creditworthiness. This APR will vary with the market\x03based on the\nPrime Rate.\nVisa Credit Rebuilder\n18.00%\nThis APR will vary with the market based on the\x03Prime Rate.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10200094-MXC10-C-2-020221 (MXC101-E)\n\n\x0cHow 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\nAnnual Fee\n- Annual Fee - Visa Platinum Preferred,\nVisa Platinum\n- Annual Fee - Visa Credit Rebuilder\nTransaction Fees\n- Foreign Transaction Fee\n\nNone\n$99.00\n1.00% of each multiple currency transaction in U.S. dollars\n1.00% of each single currency transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\nUp to $32.00\n- Returned Payment Fee\nUp to $20.00\nHow\x03We\x03Will\x03Calculate\x03Your\x03Balance:\x03We\x03use\x03a\x03method\x03called\x03"average\x03daily\x03balance\x03(excluding\x03new\x03purchases\x03and\x03\nbalance transfers) (including new cash advances)."\nPromotional\x03 Period\x03 for\x03 Introductory\x03 APR\x03 -\x03 Visa\x03 Platinum\x03 Preferred:\x03\nThe\x03 Introductory\x03 APR\x03 for\x03 SXUFKDVHV\x03 DQG\x03 balance\x03 transfers\x03 will\x03 apply\x03 to\x03 transactions\x03 SRVWHd\x03 to\x03 your\x03 account\x03\nGXULQJ\x03 WKH\x03 ILUVW\x03 \x14\x15\x03 PRQWKV\x03 IROORZLQJ\x03 WKH\x03 RSHQLQJ\x03 RI\x03 \\RXU\x03 DFFRXQW\x11\x03 $Q\\\x03 existing\x03 balances\x03 on\x03 Tucson\x03 Federal\x03 Credit\x03\nUnion\x03 loan\x03 or\x03 credit\x03 card\x03 accounts\x03 are\x03 not\x03 eligible\x03 for\x03 the\x03 Introductory\x03 APR\x03 for\x03balance\x03transfers.\nEffective Date: The information about the costs of the card described in this application is accurate as of: August 1, 2021.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum Preferred, Visa Platinum and Visa Credit Rebuilder are secured credit\ncards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or\njoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account\nthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have\nwith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that\nduring any periods when you are a covered borrower under the Military Lending Act your credit card will be\nsecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any\nindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you\nestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee: 20.00% of the interest due, if you are 10 or more days late in making a payment. However, the fee will\nnot exceed $32.00.\nAnnual Fee - Visa Credit Rebuilder: $99.00.\nReturned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee: $33.00 or the amount of the returned convenience check, whichever is less.\nCard Replacement Fee: $10.00.\nDocument Copy Fee: $5.00.\nEmergency Card Replacement Fee: $40.00.\nPay-by-Phone Fee: $20.00.\nRush Fee: $40.00.\nStatement Copy Fee: $2.00.\nNon-TFCU ATM Fee: $2.00 per transaction.\nCopy of Visa Voucher Fee: $5.00 per copy.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10200094-MXC10-C-2-020221 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\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 Tucson 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\nto each 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 Visa credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this 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. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n10200094-MXC30-P-1-032517 (MXC301-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. 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 $10.00, 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$10.00, 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.\nIf 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.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases and balance\ntransfers on the first day of the following billing cycle. We will begin charging You interest on cash advances on the date of\nthe transaction 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 or balance transfers if You paid the\nentire new balance on the previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an\nadditional finance charge on the balance of Your Account, You must pay the entire new balance on the billing statement\nby the Payment Due Date of 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.\n6. 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.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\nPage 2 of 6\n10200094-MXC30-P-1-032517 (MXC301-E)\n\n\x0cdollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n8. 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.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges.\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 1160 N. Winstel\nBlvd. , Tucson, AZ, 85716 or call Us toll-free at 800-472-3272, Monday through Friday after business hours or 520-7958520, Monday through Friday 8:00 AM to 5:00 PM Mountain Time.\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. You will have no liability for unauthorized use unless You are\nnegligent in the handling of Your Card. 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\nPage 3 of 6\n10200094-MXC30-P-1-032517 (MXC301-E)\n\n\x0cstanding. 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\npart 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\nArizona.\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. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n24. 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.\n25. 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.\n26. 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.\n27. 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.\n28. 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.\n29. 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.\nPage 4 of 6\n10200094-MXC30-P-1-032517 (MXC301-E)\n\n\x0c30. 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.\n31. 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.\n32. 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.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n10200094-MXC30-P-1-032517 (MXC301-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 6 of 6\n10200094-MXC30-P-1-032517 (MXC301-E)\n\n\x0c'