b'MISSION FEDERAL CREDIT UNION AGREEMENTS AND DISCLOSURES\nMastercard\xc2\xa9 Credit Card Terms and Conditions\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR on purchases posted within the first 90 days of account opening, ending the\nfirst billing cycle after the account is open 12 months.\nAfter that, your APR will be:\nPreferred Platinum:\n\n9.90%, 11.90%, 15.90%, or 16.90%,\nbased on your creditworthiness.\n\nPreferred Platinum Rewards:\n\n10.90%, 12.90%, 16.90%, or 17.90%,\nbased on your creditworthiness.\n\nAPR for Balance Transfers\n\n0% Introductory APR on balance transfers posted within the first 90 days of account opening,\nending the first billing cycle after the account is open 12 months.\nAfter that, your APR will be:\nPreferred Platinum:\n\n11.90%, 13.90%, or 17.90%, based on your creditworthiness.\n\nPreferred Platinum Rewards: 12.90%, 14.90%, or 17.90%, based on your creditworthiness.\nAPR for Cash Advances and Preferred Platinum:\nConvenience Checks\nPreferred Platinum Rewards:\n\n11.90%, 13.90%, or 17.90%, based on your creditworthiness.\n12.90%, 14.90%, or 17.90%, based on your creditworthiness.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge interest on\npurchases if you pay your entire balance by the due date of each month. We will begin charging\ninterest on balance transfers, convenience checks and cash advances on the date the transaction posts\nto your account.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Cash Advance, Balance\nTransfer and\nConvenience Check\n\xef\x82\xb7 Foreign Transaction\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nNone\n\xef\x82\xb7 2% of the amount of each item ($2 minimum)\n\n\xef\x82\xb7 1% of each transaction in U.S. dollars\n\xef\x82\xb7 Up to $25 for the first late payment in any 6-month period\nUp to $35 for each additional late payment in the same 6-month period\n\xef\x80\xa0\n\xef\x82\xb7 Up to $22\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\nSB-D-8/20 Mastercard\xc2\xa9 Credit Card Cardholder Agreement Page 1 of 5\n\n\x0cMISSION FEDERAL CREDIT UNION AGREEMENTS AND DISCLOSURES\nMastercard\xc2\xae Credit Card Cardholder Agreement\nThe terms and conditions of this Agreement shall apply to all Mastercard Credit Cards issued by Mission Federal Credit Union. In this\nAgreement, the words \xe2\x80\x9cCredit Union\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cMission Fed\xe2\x80\x9d mean Mission Federal Credit Union. The words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d,\n\xe2\x80\x9csigner\xe2\x80\x9d, and \xe2\x80\x9cowner\xe2\x80\x9d mean each and all of those issued a Mastercard Credit Card. For all intents and purposes of this Agreement, \xe2\x80\x9cCard\xe2\x80\x9d refers\nto the Mastercard Credit Card or any combination of your Card, Card number, Card security data and Personal Identification Number (PIN). The\nwords \xe2\x80\x9cAccount\xe2\x80\x9d and \xe2\x80\x9cCredit Line\xe2\x80\x9d mean your Mission Fed Credit Card Loan. This Agreement governs the use of Cards issued to you and your\nsigners. The agreements, disclosures, rules and regulations applicable to your Account including other agreements you have with Mission Fed,\nnow or in the future, remain in effect and are made a part of this Agreement by reference unless specifically modified. In some circumstances,\nwe are required by law to notify you of changes to this Agreement, and at other times notification may not be required. If we are required by law\nto notify you about a change that you have a legal right to reject, we will provide you with instructions as to how you may reject such changes. If\nyou do not want to use your Card, please destroy the Card and notify us immediately.\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\n7.\n\n8.\n9.\n\n10.\n\nUSING YOUR CARD - Use of your Card constitutes acknowledgement of receipt and acceptance of the terms of this Agreement. You may\nuse your Card to make purchases from merchants and others who accept your Card. You may also obtain cash advances from Mission Fed,\nother financial institutions that accept Cards, some merchants and select automated teller machines (ATMs). To obtain cash advances from an\nATM, you must use a PIN that may be issued for use with your Card. You are prohibited from using your Card to participate in any type of\nInternet gambling or for any unlawful purpose or transaction. Mission Fed is not responsible for the refusal of any merchant or financial\ninstitution to honor your Card.\nRESPONSIBILITY - You are responsible for all transactions (purchases, balance transfers, convenience checks and cash advances),\nincluding associated fees and other charges, made to your Account by you or anyone you authorize to use your Account. If, for any reason,\nwe decide to terminate your Card privileges or Credit Line, you remain liable for all amounts owed at that time, plus all future interest charges\nand fees.\nUSE OF ACCOUNT BY OTHERS - If you permit another person to use your Account, that person is an Authorized User. It is your\nresponsibility to pay for all transactions made by that person including any and all interest charges and fees imposed on those transactions,\neven if the amount of the actual use exceeds your permission, to the extent allowed by applicable law. You may request a Card for each\nAuthorized User and you must notify us immediately if you want to cancel an Authorized User\xe2\x80\x99s access to your Account. If you cancel an\nAuthorized User\xe2\x80\x99s access, we may close this Account and issue a new Account and Cards. It is your responsibility to collect all Cards, and\nother means of access from the Authorized User, and destroy them or return them to us.\nMILITARY LENDING ACT NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). To receive this notice verbally, please call 1-800-500-6328 \xe2\x80\x93 extension 8000 \xe2\x80\x93 7 days a week / 24\nhours a day.\nCONVENIENCE CHECKS - Periodically, Mission Fed may supply you with personalized convenience checks, \xe2\x80\x9cCheck(s)\xe2\x80\x9d, which you may\nuse to make purchases or pay other bills. Use of these Checks will be treated as a cash advance and subject to associated transaction fees. The\nperson whose name appears on the Check must sign it. We may return your Check(s) unpaid when available credit in your Account is\ninsufficient to cover the amount of the Check(s), when your Account is in default, or when your Credit Line has been suspended. You may\nnot use Checks to make payments on your Account. You may not write a postdated Check. A stop payment may be requested on any UNPAID\nconvenience check. All stop payment requests must be authorized in writing in order for the stop payment to remain valid for 12 months. Any\nstop payment request made by telephone will be valid for 14 calendar days until a written form is received. A stop payment processing fee\nwill be charged. There will also be a processing fee for canceling a stop payment request, and we require the cancellation order in writing.\nFor current fees please refer to the Consumer Fee Schedule.\nCREDIT LIMIT- Your credit limit will be established based on your creditworthiness, and may increase or decrease from time to time\nwithout prior notification to you. Your periodic statement will show the amount of credit available as of the statement date. You are not\npermitted to exceed your credit limit. If your total new balance exceeds your credit limit, you may be required to immediately pay the excess\namount.\nPERSONAL IDENTIFICATION NUMBER (PIN) - A PIN acts as your signature when obtaining cash advances at participating ATMs\nand for other point-of-sale (POS) transactions. Disclosing your PIN constitutes authorization for use and you remain liable for any and all\nsubsequent transactions. Your PIN should be memorized. DO NOT keep your PIN on or with your Card, or any other place on you such as a\ncheckbook, wallet or purse. If you forget your PIN, you may request a new one or you can choose your own PIN by visiting any Mission Fed\nbranch. Your selected PIN should not be a number that would be found in your wallet or purse, i.e. birth date, address, Social Security number,\netc.\nDAILY PERIODIC RATE - The daily periodic rate is determined by dividing the Annual Percentage Rate (APR) by 365 days.\nAVERAGE DAILY BALANCE \xe2\x80\x93 To determine the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d we take the beginning balance on your Account each day,\nadd any new advances/purchases/fees, and subtract any payments or credits and any unpaid fees and finance charges. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives\nus the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d\nINTEREST CHARGES/BALANCE SUBJECT TO INTEREST CHARGE - We figure the interest charges on your Account by applying\nthe periodic rate to the average daily balance. Interest Charges will be assessed on your Account for each type of balance (purchases, balance\ntransfers, convenience checks and cash advances). If you receive a statement that includes new purchases, and we receive a payment by the\npayment due date for that statement, we will not charge interest on any portion of the new purchases on the following statement if the statement\nshows we received payment of the previous balance or the previous balance was zero. Interest charges will accrue on balance transfers,\nconvenience checks and cash advances from the date they post to your Account. For more information concerning how your interest charges\nCC-D-6/21 Mastercard\xc2\xa9 Credit Card Cardholder Agreement Page 2 of 5\n\n\x0c11.\n\n12.\n\n13.\n14.\n15.\n16.\n\n17.\n\n18.\n\n19.\n\n20.\n\n21.\n\n22.\n23.\n\n24.\n\nare calculated, please contact us at 800.500.6328.\nCASH ADVANCES/BALANCE TRANSFER/CONVENIENCE CHECKS - In addition to interest charges, a transaction fee will be\nimposed by Mission Fed for each transaction. Refer to the current Consumer Fee Schedule for the amount of the fee. Balance transfers to pay\nany Mission Fed accounts are not permitted. When Introductory APRs are offered for balance transfers, the balance transfer must be conducted\nby using a Cashier\xe2\x80\x99s Check issued by a Mission Fed Branch or the Contact Center; electronic balance transfers do not qualify.\nPAYMENTS - Each month you must pay at least the minimum payment shown on your statement by the due date on the statement. You may\npay more frequently, pay more than the minimum payment or pay the new balance in full. If you make additional payments, you are still\nrequired to make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment\nis 2% of your new balance, or $20.00, whichever is greater, or the entire amount of your new balance if it is less than $20.00. If you make a\npayment in excess of the required minimum periodic payment, the excess amount will be applied to balances in descending order, from the\nhighest to the lowest APR.\nFEES AND CHARGES - Additional fees and charges applicable to your Card are contained in the current Consumer Fee Schedule and are\nsubject to change.\nSECURITY INTEREST - Your Account is also secured by all other shares you have in individual or joint Mission Fed accounts, as allowed\nby law. If you are delinquent or in default, we may apply funds in your shares to your Account. Refer to Security Interest/Statutory Lien in\nthe Account Agreement and Disclosures.\nAGREEMENT TO ARBITRATE DISPUTES AND CLAIMS \xe2\x80\x93 The Mandatory Arbitration Agreement set forth in the Account Agreement\nand Disclosures applies to this Account and is hereby incorporated by reference as if set forth in full herein.\nDEFAULT/COLLECTION/ATTORNEY FEES - You will be in default of and understand that all available credit under this Agreement\nmay be terminated if: (1) you do not make periodic payments as required by this Agreement; (2) you do not keep any promise made in this\nAgreement or any other agreement with Mission Fed; (3) any information that you give us to obtain an advance is false; (4) any third party\nattempts by legal process to take any property belonging to you; (5) you die, become insolvent or a party to any bankruptcy proceedings; or\n(6) as otherwise provided in this Agreement. If you are in default, we reserve the right to decline any further advances and/or charge privileges\nto you and to declare all sums owed under this Agreement immediately due and payable. We may accept late payments or partial payments\nwithout waiving any rights under this Agreement. If you are in default and we are required to take legal action to collect amounts due, we may\nadd to your unpaid balance collection costs, attorneys\xe2\x80\x99 fees, and court costs, all of which you are required to pay. These provisions apply to\nbankruptcy appeals and post-judgment proceedings.\nLIABILITY \xe2\x80\x93 LOST/STOLEN CARD NOTIFICATION - You will not be liable for unauthorized transactions using your Card if you\npromptly report the loss or theft to us. If the loss or theft of your card is not reported promptly, your liability is the lesser of $50 or the amount\nof unauthorized use before notification to us. You will not be liable for unauthorized use that occurs after you notify us of loss, theft, or\npossible unauthorized use of your Card. You may be liable for the unauthorized use of your Card under certain circumstances. If you furnish\nyour Card or Card number and grant authority to make purchases or transfers to a person (such as family member, friend or co-worker) who\nexceeds the authority given, this will not be considered unauthorized use and you will be fully liable for the transactions unless you have\nnotified us that purchases or transfers by that person are no longer authorized.\nTo report a lost or stolen card, call Mission Fed immediately at 800.500.6328. Once you have contacted Mission Fed via phone, you\nhave the option to follow up via mail at Mission Federal Credit Union, Card Services Department, P.O. Box 919023, San Diego, CA\n92191-9023.\nTERMINATING YOUR ACCOUNT - Your Account may be terminated by you or Mission Fed at any time, however, such termination will\nnot affect your obligation to pay the Account balance plus interest charges and fees on your unpaid balance that are charged after Account\ntermination. You are also responsible for all transactions made to your Account after termination unless the transactions were unauthorized.\nMission Fed has the right to require you to pay your full Account balance at any time after your Account is terminated, regardless of whether\nit is terminated by you or Mission Fed. If this is a Joint Account, the Joint Accounts section also applies to termination of this Account.\nCREDIT REVIEW, REPORTING AND RELEASE OF INFORMATION \xe2\x80\x93 Mission Fed shall investigate your credit history when\nopening your Account, and may review your creditworthiness at any time. Based on this information we have the right to prohibit future\nadvances or reduce your Credit Line. Mission Fed may disclose information regarding your Account to consumer reporting agencies and\ncreditors who inquire about your credit history with Mission Fed; however, we are not obligated to release any information unless required by\nlaw. A negative consumer report may be submitted if you fail to fulfill the terms of your credit obligations, your Account is closed for negative\nactivity, or a loss is sustained by Mission Fed which was caused by an Account owner or an authorized signer.\nRETURNS AND ADJUSTMENTS - Merchants and others who honor your Card may give you credit for returns or adjustments, by sending\nMission Fed a credit which will be posted to your Account. If your credits and payments exceed what you owe Mission Fed, the amount will\nbe applied against future advances. If the credit balance is $1 or more, it will be refunded upon your written request or may be transferred to\nan open share account after forty-five (45) days. In the event there is no open share, we may send you a check.\nADDITIONAL BENEFITS/CARD ENHANCEMENTS - From time to time, we may offer you additional services through a third-party\nprovider. These services and benefits contain certain exclusions and limitations. It is your responsibility to review the details of these offers\nprior to acceptance and additional fees may apply. Mission Fed is not obligated to offer any third-party services and may withdraw or change\nthem at any time.\nAUTOMATIC BILLING UPDATER - Mission Fed participates in Mastercard\xe2\x80\x99s Automatic Billing Updater (ABU) program, where updated\ncard information is provided to participating merchants under certain conditions. To learn more about the ABU program or how to opt out,\nplease visit MissionFed.com/ABU.\nFOREIGN TRANSACTIONS - Purchases and cash advances made in foreign countries and in foreign currencies will be billed to you in\nU.S. dollars using the rate of exchange between the transaction currency and the billing currency. Foreign transactions include internet\ntransactions initiated in the US with a merchant who processes the transaction in a foreign country. The rate will be (i) a rate selected by\nMastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from\nthe rate Mastercard itself receives, or (ii) the government-mandated rate in effect for the applicable central processing date, in each instance,\nplus or minus any adjustment determined by Mission Fed. In addition, you will be charged a Foreign Transaction Fee on the amount of the\npurchase or cash advance. Please refer to the current Consumer Fee Schedule for applicable fees.\nJOINT ACCOUNTS - If this is a joint Account each owner will be individually and jointly liable for payment of all amounts owed under\nthis Agreement. Mission Fed may require any owner to repay the entire amount owed under this Agreement, regardless of who conducted the\ntransactions. Each owner authorizes the other(s) to individually transact and will be liable for the individual actions of each other. Any owner\nCC-D-6/21 Mastercard\xc2\xa9 Credit Card Cardholder Agreement Page 3 of 5\n\n\x0c25.\n\n26.\n27.\n28.\n29.\n30.\n\nmay terminate the Account and the termination will be effective as to all owners.\nACCESS TO YOUR ACCOUNT - You acknowledge that any joint owner(s) on your Mission Fed share accounts may have access through\nyour Mission Fed share Accounts to all of the information on your Mission Fed Credit Card Loan Account, even if your Mission Fed Credit\nCard Loan Account is not a joint Account. This may include, but is not limited to, information regarding transactions, loan history, and any\nother information relating to your Account. You also acknowledge and agree that any joint owner(s) on your Mission Fed share Accounts have\naccess through your Mission Fed share Accounts to advance funds from your Mission Fed Credit Card Loan Account, even if your Mission\nFed Credit Card Loan Account is not a joint Account. As the owner of your Mission Fed Credit Card Loan Account, you are fully responsible\nfor, and must repay, all advances obtained from your Account by joint owner(s) on your Mission Fed share Accounts. Once a joint owner is\nadded to a Mission Fed share Account, they may not be removed from the Account. If a separation of Account ownership is desired, new\nAccount(s) must be opened.\nEFFECT OF AGREEMENT - The terms of this Agreement are binding and applicable to all Account transactions and supersede receipts\nand/or other documents issued through use of your Card which may contain different terms.\nWAIVERS AND SEVERABILITY - We may waive or decline to enforce any of our rights under this Agreement without affecting any of\nour remaining rights. Should any provision of this Agreement be deemed invalid or unenforceable, such determination shall not affect the\nvalidity or enforceability of any other provision.\nSTATEMENTS AND NOTICES - Statements and notices, including electronic statements and notices, provided to any Account owner will\nbe considered notice to all Account owners. For more information on electronic statements and notices please refer to eStatement and eNotice\nAgreement and Disclosures.\nFINAL EXPRESSION - Written Agreements applicable to your Account may not be contradicted by evidence of any alleged oral agreement.\nGOVERNING LAW - This Agreement, your Account, as well as all applicable rights and duties and your rights and duties, will be governed\nby and interpreted in accordance with federal law to the fullest extent possible. Where federal law does not apply, such obligations will be\ngoverned by California law, regardless of where you live or use your Card. This Agreement is made in California. All credit will be extended\nfrom California and all repayment must be made in California. The venue for disputes shall be in San Diego County, California.\n\nCC-D-6/21 Mastercard\xc2\xa9 Credit Card Cardholder Agreement Page 4 of 5\n\n\x0cYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights under the Fair Credit Billing Act.\nIf you think there is an error on your statement write to us at: Mission Federal Credit Union, P.O. Box 919023, San Diego, CA 92191-9023.\nYou may also contact us via secure email on Mission Fed Online Banking. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question. You must contact us within 60 days after the error appeared on your statement, at\nleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. In your written\nnotification, give us the following information:\n(1) Your name and account number\n(2) The dollar amount of the suspected error\n(3) If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake\nWhen we receive your notice we will, within 30 days of receiving your written notice, tell you that we received your notice. We will also tell you\nif we have already corrected the error. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe\nthe bill is correct.\nWhile we investigate whether or not there has been an error we cannot try to collect the amount in question, or report you as delinquent on that\namount. Additionally,\n(1) The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n(2) While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n(3) We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation if we determine a mistake was made, you will not have to pay the amount in question or any interest or other\nfees related to that amount. If we do not believe there was a mistake you will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you\ndo so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of\nthe rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nIf you are dissatisfied with your credit card purchases - If you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n(3) 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: Mission Federal Credit Union, Card\nServices Department, P.O. Box 919023, San Diego, CA 92191-9023 or via secure email on Mission Fed Online Banking. While we investigate,\nthe same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may report you as delinquent.\n\nCC-D-6/21 Mastercard\xc2\xa9 Credit Card Cardholder Agreement Page 5 of 5\n\n\x0c'


b'VISA PLATINUM AND VISA PLATINUM REWARDS\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\n(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card will constitute acknowledgement of receipt\nand agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You\nmay use your card to make purchases from merchants and others who accept your card. The credit union is not\nresponsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or\nservices over the Internet, you may be required to provide card number security information before you will be permitted\nto complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial\ninstitutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If\nthe credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To\nobtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will\nnot use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card\nfor an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If\nyou are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and\nengage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash\nadvances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips,\nas applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.\n\xc2\xa9 CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED\n\nDIABZ0 (MXC500 CCM000)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle. Finance charge begins to accrue on those purchases from the first day of the next billing cycle,\nunless you paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by the payment due date of that\nstatement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on\nthe billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances\nfrom the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to\nyour account, whichever is later.\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To get the average daily balance of\npurchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or credits\nthat we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This gives us the\ndaily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the\ntotal by the number of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of\nyour card. Each year following, the annual fee will be charged to your account during the same month that you were first\ncharged the fee. The fee will be charged each year until your account is closed and paid in full.\nb. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your account\nwhen you transfer a balance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\n\nDIABZ0 (MXC500 CCM000)-e\n\n\x0cd. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\ne. Transaction Fee for Purchases. If your account is subject to a Transaction Fee for Purchases, a fee will be charged\nto your account for purchases as disclosed on the Disclosure accompanying this Agreement.\nf. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\ng. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nh. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned to you for any reason.\ni. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the credit union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\nj. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nk. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nl. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.50% of your total new\nbalance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and\nany amount you are over your credit limit. In addition to the minimum payment, you must also pay, by the date specified\nabove, the amount of any prior minimum payment(s) that you have not made, all outstanding unpaid fees and charges,\nand any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any\namount by which you are over your credit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you are more than ten (10) days late in making any minimum payment or other\nrequired payment. You will also be in default if you do not comply with the terms of this Agreement and your failure to\ncomply materially impairs any property you gave as security for this Agreement or your ability to repay what you owe\nunder this Agreement.\nWhen you are in default and after expiration of any right you have to cure your default under the applicable state law, the\nCredit Union has the right to demand immediate payment of your full account balance. If immediate payment is\nDIABZ0 (MXC500 CCM000)-e\n\n\x0cdemanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe\nhas been paid, and any shares that were given as security for your account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 1827 Ansborough Ave., Waterloo, IA 50701-3629 or telephone 1-800-682-6075 seven\n(7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the\nunauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss,\ntheft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card,\nunless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed to you at the appropriate address you have\ngiven the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nDIABZ0 (MXC500 CCM000)-e\n\n\x0cother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate shown on the Disclosure\naccompanying this Agreement when you meet one or more of the conditions as set forth in the Disclosure. Any rate\nincreases applied to your account are subject to applicable notice requirements. Please refer to the Disclosure for\nadditional information regarding the Penalty Rate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n29. NOTICE TO ALABAMA BORROWERS \xe2\x80\x94 CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS\nAGREEMENT BEFORE YOU SIGN IT.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nVeridian Credit Union\n1827 Ansborough Ave\nWaterloo, IA 50701\nIn your letter, give us the following information:\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 is wrong and why\nyou believe it is a mistake.\nYou must contact us:\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 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\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\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 interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to\nthat amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nDIABZ0 (MXC500 CCM000)-e\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically]\nat:\nVeridian Credit Union\n1827 Ansborough Ave\nWaterloo, IA 50701\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nDIABZ0 (MXC500 CCM000)-e\n\n\x0c'