b'1. Agreement. These regulations govern the possession and use of credit cards (\xe2\x80\x9ccard\xe2\x80\x9d) issued by Valley Credit\nUnion (\xe2\x80\x9cIssuer\xe2\x80\x9d). Each person who applies for a credit card and in whose name the card is issued (\xe2\x80\x9cHolder\xe2\x80\x9d)\nconsents and agrees to these regulations and to the terms contained on the credit cards, sales drafts, credit\nadjustment memos and cash advance drafts, signed by or given to Holder or any authorized user of Holder\xe2\x80\x99s cards.\nWhen credit cards are issued upon the application of two or more persons, all such persons shall be jointly and\nseverally liable as Holders. The provisions of these regulations, as amended from time to time, govern Holder\xe2\x80\x99s\nobligations, notwithstanding any additional or different terms contained in sales drafts, credit adjustment memos,\ncash advance drafts or other forms signed by or given to Holder or any user of Holder \xe2\x80\x98s cards to evidence a credit\ncard transaction. Holder authorizes an investigation of Holder\xe2\x80\x99s credit standing prior to the issuance of a credit card\nto Holder and at any time thereafter and authorizes disclosure of information to third parties relating to Holder\xe2\x80\x99s\ncredit standing. These regulations apply to all credit cards issued to Holder or to others on Holder\xe2\x80\x99s authorization\nand to any user of Holder\xe2\x80\x99s cards.\n2. Membership Fees. As a condition of participation in the issuer\xe2\x80\x99s credit plan and the issuance of a card, Holder\nagrees that there is no annual membership fee for VISA consumer and business accounts. Please see Rates and\nFees Disclosure Table for fees charged.\n3. Use of Card. Credit for purchases from a merchant or a cash advance from a participating financial institution\nmay be obtained by Holder or an authorized user of Holder\xe2\x80\x99s card presenting one of Holder\xe2\x80\x99s cards to the merchant\nor participating financial institution and, if requested, by providing the proper identifying information and signing\nthe appropriate drafts. Failure to sign a draft does not relieve the Holder of liability for purchases made or cash\nreceived. The use of this card for illegal transactions is prohibited. The card may also be used to obtain cash\nadvances from certain automated equipment provided it is used with Holder\xe2\x80\x99s correct Personal Identification\nNumber (\xe2\x80\x9cPIN\xe2\x80\x9d) issued to Holder. Terminals or terminal operators may have limits on the amounts or frequency of\ncash withdrawals. Holder will not be liable for the unauthorized use of the card or PIN issued to Holder which\noccurs before issuer receives notification orally or in writing of loss, theft or possible unauthorized use of a card or\nPIN. Lost or stolen cards or PINS should be reported immediately to Issuer by notifying CUSTOMER SERVICE, P.O.\nBox 31535, Tampa, FL 33631-3535, and Telephone (866) 839-3485.\n4. Use of Valley Credit Union card Checks. Credit obtained by use of a Balance Transfer Check shall be treated\nas a credit purchase. Credit obtained by use of Letter Check or Statement Check shall be treated as a cash\nadvance.\n5. Credit Line. Holder will from time to time be informed of the amount of the approved credit line established for\nHolder, and Holder covenants not to make credit purchases or borrowings in excess of that amount. Holder is liable\nfor all purchases and borrowings made with Holder\xe2\x80\x99s cards by Holder or by anyone authorized to use Holder\xe2\x80\x99s\ncards.\n6. Payment. Holder will be furnished a monthly statement for each billing period at the end of which there is an\nundisputed debit or credit balance of $1.00 or more. Holder shall pay within 25 days after each statement Closing\nDate either (a) the full amount billed (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or, at Holder\xe2\x80\x99s option, (b) a minimum Payment of 25.00 of\nthe New Balance, whichever is greater. Payments may be mailed to VISA , P.O. Box 31279, Tampa, FL, 336313279. Payments may be made, in person, at a Valley Credit Union office. Payments received after 5:00 p.m.\non any processing day or at any time on any non processing day will be considered as payments made\non the following processing day. All payments by Holder will be applied first to payment of Interest Charges in\nthe order of their entry to the account, second to additional fees and credit insurance charges, if any, in the order\nof their entry to the account, third to previously billed cash advances, purchases and other similar charges in the\norder of their entry to the account, and then to current cash advances, purchases and other similar charges in the\norder of their entry to the account.\n7. Interest Charges. Holder shall pay Interest Charges as shown on Holder\xe2\x80\x99s monthly statements, for each billing\nperiod in which there is a cash advance or the Previous Balance is not paid in full prior to the Closing Date of the\nbilling statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We figure the Interest\nCharges on your account by applying the monthly Periodic Rate to the entire \xe2\x80\x9cBalance Subject to Interest Rate.\xe2\x80\x9d\nThe additional charge for cash advances shall not apply to any cash advance obtained under a separate credit\nagreement with Holder and written in connection with these regulations. The \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d is\nthe \xe2\x80\x9caverage daily balance,\xe2\x80\x9d of the account (including current transaction). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we\ntake the beginning balance of the account each day, add any new cash advances, credit purchases and other\ncharges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and unpaid Interest\nCharges. This gives us the daily balance. Then, we add up all of the daily balances for the billing cycle and divide\nthe total by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAVERAGE DAILY BALANCE.\xe2\x80\x9d Interest\nCharges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance\nshown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the\nstatement period and the Previous Balance will be excluded from the calculation of the \xe2\x80\x9caverage daily balance\xe2\x80\x9d if\n\n\x0cthe Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the\nstatement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder\nmay avoid additional Interest Charges on an account by paying in full the New Balance shown on the account\xe2\x80\x99s\nmonthly statement within 25 days after the Closing Date for that statement.\n8. Variable Annual Percentage Rate. The current monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE for new accounts are disclosed on the accompanying card mailer. These rates may vary\nmonthly and shall be adjusted on the first day of each billing period (\xe2\x80\x9cChange Date\xe2\x80\x9d). The ANNUAL PERCENTAGE\nRATE on each Change Date shall equal the highest prime rate published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d\ntables on the last date of publication in the calendar month preceding each Change Date (\xe2\x80\x9cIndex Rate\xe2\x80\x9d), PLUS a\nMargin. For more information on current margin(s), please refer to the Rates and Fees Disclosure Table. The\nmonthly Periodic Rate is 1/12th of the ANNUAL PERCENTAGE RATE. Beginning on the date an adjustment in the\nrate is effective and until the next Change Date, the monthly Periodic Rate then in effect will be applied to the\nbalance in the account to determine the Interest Charges. An adjustment in the monthly Periodic Rate and\ncorresponding ANNUAL PERCENTAGE RATE will apply both to the outstanding balances in the account and to\nnew cash advances, (including any balance transfers from other credit card accounts), credit purchases, and other\ncharges. An increase or decrease in the Index Rate will cause and increase or decrease in the monthly Periodic\nRate and corresponding ANNUAL PERCENTAGE RATE and may increase the amount and number of minimum\npayments. If the Index Rate ceases to be made available, Issuer may substitute a substantially similar index and\nmargin.\n9. How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest\nU.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends\nor federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease\neach month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during\nwhich the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a\nhigher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available.\nIf The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.\n10. Additional Fees. For a listing of fees charged in association with this card, please see the Rates and Fees\nDisclosure Table accompanying this Agreement. These charges will not be imposed if Holder\xe2\x80\x99s request is in\nconnection with or delivery of the documents in response to an alleged billing error under Regulations E or Z issued\nby the Board of Governors of the Federal Reserve System. Fees imposed will be posted to Holder\xe2\x80\x99s account.\n11. Security Interest. All credit advanced to Holder for credit purchases or cash advances constitutes loans made\nby Issuer to Holder in the state of Alabama . Issuer disclaims as security for loans made to Holder under these\nregulations any security interest it may at any time have in household goods or real property. Except as disclaimed\nabove, loans made to Holder after the effective date of these regulations may be secured by collateral given by any\nHolder to secure other loans from Issuer.\n12. Foreign Transactions. If a Holder\xe2\x80\x99s card is used to effect a transaction in a foreign currency, the transaction\namount will be converted to U.S. dollars by VISA International, VISA converts currency to U.S. dollars using either\nthe government mandated exchange rate or the wholesale exchange rate, in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by 1% if the conversion is made in connection with a\ncharge to an account and decreased by 1% if the conversion is made in connection with a credit to an account. The\ndate of conversion by VISA may differ from the purchase date and the posting date identified in the monthly\nstatement for the account. Holder agrees to pay charges and accept credits for the converted transaction amounts\nin accordance with the terms of this paragraph.\n13. Disputes. Issuer is not responsible for refusal by any merchant, financial institution or automated equipment\nto honor or accept a card. Except as provided in the Federal Truth-in-Lending laws(as indicated in the Summary of\nBilling Rights below), Issuer has no responsibility for merchandise or services obtained by Holder with a card and\nany dispute concerning merchandise or services will be settled between Holder and the merchant concerned.\n16. Default. Holder covenants to observe and comply with these regulations and covenants not to permit an event\nof default to occur. Upon the occurrence of any one or more of the following events of default: (a) Holder fails to\npay at least the Minimum Payment when due on two occasions within any 12-month period; or (b) Holder dies,\nceases to exist, changes residency to another state, becomes insolvent or the subject of bankruptcy or insolvency\nproceedings or fails to observe any covenant or duty contained in these regulations, if such event or breach\nmaterially impairs Holder\xe2\x80\x99s ability to pay amounts due; the full amount of Holder\xe2\x80\x99s account for which the default\noccurred (including unpaid Interest Charges) shall, at Issuer\xe2\x80\x99s option become immediately due and payable if\nHolder does not cure the default within 15 calendar days after notice is mailed to the address of Holder, or given as\notherwise provided by law. Issuer has this right, without notice and opportunity to cure; if the default is the\n\n\x0cHolder\xe2\x80\x99s third default within 12 months and the Holder is notified of the prior two defaults and the Holder cured\nthose defaults.\n17. Termination. Holder\xe2\x80\x99s consent to these regulations may be terminated at any time by surrendering the cards\nissued to Holder or at Holder\xe2\x80\x99s written request, but such termination shall not affect Holder\xe2\x80\x99s obligations as to any\nbalances or charges outstanding at the time of termination. Termination by any Holder shall be binding on each\nperson in whose name the card is issued. If Holder\xe2\x80\x99s spouse terminates this credit plan, the full amount of Holder\xe2\x80\x99s\naccount (including unpaid Interest Charges) may be declared immediately due and payable. Issuer may terminate\nHolder\xe2\x80\x99s privilege to use the cards if Holder moves out of the service area of Issuer, as defined by Issuer from time\nto time. Unless sooner terminated, the privilege to use the cards shall expire on the date shown on the cards. At\nany time, without liability to Holder and without affecting Holder\xe2\x80\x99s liability for credit previously extended, Holder\xe2\x80\x99s\nprivilege to use the cards may be revoked or limited to the extent not prohibited by law. The cards are and shall\nremain the property of Issuer and Holder agrees to surrender them to Issuer upon demand.\n18. Amendments. Issuer may amend these regulations from time to time by sending Holder advance written\nnotice not less than 90 days prior to the effective date for any change that is either adverse to Holder\xe2\x80\x99s outstanding\nbalance or increases certain fees, as required by Alabama Statute from time to time, or not less than 15 days\nprior to the effective date for other changes, or as may otherwise be required or permitted by law. To the extent\nthat Issuer indicates in the notice and that the law permits, amendments will apply to Holder\xe2\x80\x99s existing account\nbalance as well as to future transactions. Notices are deemed given when mailed by Issuer to any Holder to the\ncurrent address for mailing monthly statements. Invalidity of any provision of these regulations shall not affect the\nvalidity of any other provisions unless otherwise provided by the Alabama Statute.\n19. Governing Law. Holder agrees to be governed by the Alabama Statute with respect to all aspects of the\ntransactions arising under these regulations. All statutory references are to the statutes as they may be\nrenumbered or amended from time to time.\n\n\x0c'


b'VISA CREDIT CARD AGREEMENT\nIn this Agreement the words "you" and "your" mean each and all of those who agree to be\nbound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals,\nor substitutions the Credit Union issues to you; "Account" means your VISA credit card line\nof credit account with the Credit Union, and "Credit Union" means the Credit Union whose\nname appears on this Agreement or anyone to whom the Credit Union transfers this\nAgreement.\nIt is understood and agreed that the Credit Union has appointed CC4MBRS (the "Servicer")\nas the Credit Union\'s agent to assist with the servicing of your Account. As result of such\nagreement, it is understood and agreed that the Credit Union may share information\nregarding you and your Account with the Servicer from time to time as the Credit Union\ndeems necessary, in its sole discretion, for the Servicer to perform its obligations to the\nCredit Union. Additionally, you may receive communications and disclosures from the\nServicer on the Credit Union\'s behalf and any and all communications and disclosures from\nthe Servicer shall be considered authorized from the Credit Union under this Agreement.\n1. Using Your Account. If you are approved for an Account, the Credit Union will establish\na line of credit for you and notify you of your credit limit. You agree that your credit limit is\nthe maximum amount (purchases, cash advances, finance charges, plus "other charges")\nthat you will have outstanding on your Account at any time. If you are over your credit limit,\nyou must pay the amount you are over before payments will begin to restore your credit\nlimit. You may request an increase in your credit limit only by a method acceptable to the\nCredit Union. The Credit Union has the right to reduce your credit limit, refuse to make an\nadvance and/or terminate your Account at any time for any reason not prohibited by law.\n2. Using Your Card. You may use your Card to make purchases from merchants and\nothers who accept VISA Cards. However, you may not use your Card to initiate any type of\nelectronic gambling transaction through the Internet. A VISA card may not be used for any\nillegal transaction(s). Consult your legal counsel to determine the legality of specific online\ngambling transactions. If you wish to pay for goods or services over the Internet, you may\nbe required to provide card member security information before you will be permitted to\ncomplete the transaction. In addition, you may obtain cash advances from the Credit Union\nand from other financial institutions that accept VISA Cards, and from some automated teller\nmachines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an\nATM, you must use the Personal Identification Number (PIN) that is issued to you for use\nwith your Card.\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your\nAccount that are made by you or anyone whom you authorize to use your Account. You also\nagree to pay all finance charges and other charges added to your Account under the terms\nof this Agreement or another agreement you made with the Credit Union. If this is a joint\nAccount, Section 17 below also applies to your Account.\n4. Finance Charges. FINANCE CHARGES on your Account are calculated by applying the\napplicable monthly Periodic Rate to the average daily balances for Purchases and Cash\nAdvances. Separate average daily balances are calculated for Purchases and Cash\nAdvances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE\nfor Purchases, Balance Transfers and Cash Advances are as set forth in the Account\nOpening Disclosure provided to you under separate cover, the terms of which are\nincorporated herein by reference.\nTo get each average daily balance, the daily balances for Purchases and Cash Advances\nfor the billing cycle are added and the totals are divided by the number of days in the cycle.\nTo get the daily balance for Cash Advances, new Cash Advances are added to the day\'s\nbeginning balance and payments, credits and any unpaid interest or other finance charges\nare subtracted. To get the daily balance for Purchases, new Purchases are added to the\nday\'s beginning balance and payments, credits and any unpaid interest or other finance\ncharges are subtracted; however, new Purchases are not added if you paid the entire New\nBalance for Purchases on your last statement by the end of the grace period or if you did\nnot have a Purchase balance on your last statement.\n\nCash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance\nwith the following method: A Finance charge will be imposed on Cash Advances from the\ndate made or from the first day in which the Cash Advance is posted to your account,\nwhichever is later, and will continue to accrue on the average daily balance of such Cash\nAdvances until the balance is paid in full. There is no grace period on Cash Advances.\nPurchases -The FINANCE CHARGE on Purchases is calculated in accordance with the\nfollowing method: A FINANCE CHARGE will be imposed on Purchases only if you elect not\nto pay the entire New Balance shown on your monthly statement for the previous billing\ncycle within twenty five (25) days from the closing date of that statement.\nIf you elect to pay less than the entire New Balance shown on your previous monthly\nstatement within that twenty five (25) day period, a Finance Charge will be imposed on the\naverage daily balance of such Purchases from the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the billing cycle preceding the date on which\nthe entire New Balance is paid in full or until the date of payment if more than twenty five\n(25) days from the closing date.\nBalance Transfers \xe2\x80\x93 Balance transfers, as permitted by Credit Union from time to time in\nCredit Union\xe2\x80\x99s sole discretion, will be treated as Cash Advances for the purpose of all\nFINANCE CHARGES.\n5. Other Charges. The following other charges (fees) will be added to your Account, as\napplicable:\na. Over-the-Credit-Limit Fee: An over-the-limit fee will not be imposed. In the event\nyou incur charges in amounts which shall cause the account indebtedness to exceed\nthe authorized credit limit by 1%, you shall pay immediately the amount by which the\ntotal New Balance exceeds such maximum authorized credit.\nb. Late Payment Fee: If a payment of at least the amount of the minimum required\npayment is not received within five (5) days of the Due Date or cycle whichever\ncomes first, a late charge in the amount of $25.00 shall be imposed. In no event will\nyour Late Payment Fee exceed the amount of your minimum payment due.\nc. Return Check /Return Pre-Authorized Payments Fee: If you make any payment on\nyour Account with a check or fraft or through a pre-authorized payment, and that\ncheck, draft or pre-authorized payment is returned to the Credit Union unpaid for any\nreason, your Account will be charged a fee equal to the lesser of $25 or the required\nminimum payment. In no event will your Return Check/Return Pre-Authorized\nPayments Fee exceed the amount of your minimum payment due immediately prior\nto the date on which the payment was returned.\nd. Card Replacement Fee: In the event any additional or replacement cards are issued\nfor any reason other than the issuance of a renewal card, a fee in the amount of\n$5.00 may be imposed.\ne. Collection Costs: Cardholder agrees to pay all costs incurred by issuer in collecting\ncardholder\xe2\x80\x99s indebtedness or in enforcing this Agreement, including attorneys\xe2\x80\x99 fees\nand costs, as well as those costs, expenses and attorneys\xe2\x80\x99 fees incurred in appellate,\nbankruptcy, and post-judgment proceedings, except to the extent such costs, fees, or\nexpenses are prohibited by law.\nf. Balance Consolidation/Convenience Check Stop Payment Fee: $25.00.\ng. Rush Mail Fee: (Priority Handling) $25.00.\nh. Cash Advance Transaction Fee: A cash advance transaction fee will not be\nimposed.\n\n\x0c6. Payments. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than twenty-five (25) days from\nthe statement closing date, whichever is later. If your statement says the payment is "Now\nDue," your payment is due no later than twenty-five (25) days from the statement closing\ndate. You may pay more frequently, pay more than the minimum payment or pay the Total\nNew Balance in full. If you make extra or larger payments, you are still required to make at\nleast the minimum payment each month your Account has a balance (other than a credit\nbalance). The minimum payment is 2% of your Total New Balance, or $10.00, whichever is\ngreater, plus the amount of any prior minimum payments that you have not made, and any\namount you are over your credit limit. The Credit Union also has the right to demand\nimmediate payment of any amount by which you are over your credit limit.\n7. Payment Allocation. Subject to applicable law, your payments may be applied to what\nyou owe the Credit Union in any manner the Credit Union chooses.\n8. Security Interest. AS A CONDITION OF CREDIT UNION\xe2\x80\x99S OPENING YOUR\nACCOUNT AND YOUR USE OF THIS CARD, YOU HEREBY GRANT TO CREDIT UNION\nA SECURITY INTEREST IN ALL SHARES, DEPOSITS AND OTHER FUNDS ON\nDEPOSIT WITH CREDIT UNION IN WHICH YOU HAVE AN OWNERSHIP INTEREST\n(other than an IRA account where this security interest would cause the loss of taxexempt or tax-deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS\nOWED TO CREDIT UNION UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN\nDEFAULT UNDER ANY TERM OF THIS AGREEMENT, CREDIT UNION SHALL HAVE A\nRIGHT TO IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS\nWITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE\nAMOUNTS OWED TO CREDIT UNION. Collateral securing other loans you have with\nCredit Union now or in the future will also secure this loan, except that a dwelling or your\nhousehold goods (as defined by the Federal Trade Commission) will not be considered as\nsecurity for this Account, notwithstanding anything to the contrary in any other agreement.\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\nunder this Agreement. You will be in default if you die, file for bankruptcy or become\ninsolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit\nupdate. You will also be in default if something happens that the Credit Union believes may\nsubstantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of\nyour full Account balance without giving you notice. If immediate payment is demanded, you\nagree to continue paying finance charges, at the periodic rate charged before default, until\nwhat you owe has been paid, and any shares that were given as security for your Account\nmay be applied towards what you owe.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or\nany credit card issued under this Agreement, the suit shall only be brought in the courts of\nthe state of Florida.\n10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us\nimmediately, orally or in writing at P.O. Box 310136, Tampa, FL 33680 or telephone (866)\n839-3409 twenty four (24) hours a day, seven (7) days a week, of the loss, theft, or\nunauthorized use of your Credit Card. You may be liable for the unauthorized use of your\nCredit Card. You will not be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. You will have no liability for unauthorized\npurchases made with your credit card, unless you are grossly negligent in the handling of\nyour card. In any case, your liability will not exceed $50.\n11. Changing or Terminating Your Account. The Credit Union may change the terms of\nthis Agreement 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\nto your existing Account balance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by\nyou or the Credit Union will not affect your obligation to pay the Account balance plus any\nfinance and other charges you owe under this Agreement. You are also responsible for all\ntransactions made to your Account after termination, unless the transactions were\nunauthorized.\nThe Card or 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\nAgreement whether by you or the Credit Union. If and to the extent permitted by applicable\nlaw, the Credit Union has the right to require you to pay your full Account balance at any\ntime after your Account is terminated, whether it is terminated by you or the Credit Union. If\nthis is a joint Account, Section 17 of this Agreement also applies to termination of the\naccount.\n\n12. Credit Information. You authorize the Credit Union to investigate your credit standing\nwhen opening or reviewing your Account. You authorize the Credit Union to disclose\ninformation regarding your Account to credit bureaus and creditors who inquire about your\ncredit standing. If your account is eligible for emergency cash and/or emergency card\nreplacement 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\nrequested services(s).\n13. Merchant Disputes: Returns and Adjustments. The Credit Union is not responsible\nfor the refusal of any merchant or financial institution to honor your Card. Merchants and\nothers who honor your Card may give credit for returns or adjustments, and they will do so\nby sending the Credit Union a credit slip which will be posted to your Account. If your credits\nand payments exceed what you owe the Credit Union, the amount will be applied against\nfuture purchases and cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written request or automatically after three (3) months.\n14. Additional Benefits/Card Enhancements. The Credit Union may from time to time\noffer additional services to your Account, such as travel accident insurance, at no additional\ncost to you. You understand that the Credit Union is not obligated to offer such services and\nmay withdraw or change them at any time.\n15. Foreign Transactions. Transactions initiated in foreign countries and/or foreign\ncurrencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will\nbe (a) a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa\nitself receives, or (b) the government-mandated rate in effect for the applicable central\nprocessing date, in each of the above instances, plus 1%. The conversion rate used on the\ndate the foreign transaction is processed may differ from the rate that would have been used\non the date of the purchase and/or the transaction posting date.\n16. Severability. In the event that any paragraph of this Agreement or portion thereof is\nheld by a court to be invalid or unenforceable for any reason, the other paragraphs and\nportions of the Agreement shall not be invalid or unenforceable and will continue in full force\nand effect.\n17. Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal\nlaws and regulations, and the laws and regulations of the State of Florida, as amended from\ntime to time.\n18. Dispute Resolution. Any disputes regarding this Agreement shall be within the\njurisdiction of the court of the county in which Credit Union\xe2\x80\x99s principal place of doing\nbusiness is located. If legal action is necessary to enforce this Agreement or collect any\namounts owing to Credit Union or fees or charges assessed under this Agreement, Credit\nUnion has the right, subject to applicable law, to payment by you of all attorney\xe2\x80\x99s fees and\ncosts, including fees on any appeal and any post-judgment actions. You agree that such\nlegal action may be filed and heard in the county and state in which Credit Union\xe2\x80\x99s principal\nplace of doing business is located, if allowed by applicable law.\n19. Joint Accounts. If this is a joint Account, each person on the Account must sign the\nAgreement (by signing on the application). Each of you will be individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means that the Credit\nUnion can require any one of you individually to repay the entire amount owed under this\nAgreement. 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\nas to all of you.\n20. Effect of Agreement. This Agreement is the contract which applies to all transactions\non your Account even though the sales, cash advances, credit or other slips you sign or\nreceive may contain different terms.\n21. No Waiver. The Credit Union can delay enforcing any of its rights any number of times\nwithout losing them.\n22. Statements and Notices. Statements and notices will be mailed to you at the most\nrecent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n23. Final Expression. This Agreement is the final expression of the terms and conditions of\nthis VISA line of credit between you and the Credit Union. This written Agreement may not\nbe contradicted by evidence of any alleged oral agreement.\n24. Copy Received. You acknowledge that you have received a copy of this Agreement.\n\nRevised 03/31/2017\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nMASTERCARD\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 Pen Air 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 Mastercard\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit\nestablished 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. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\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, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 6\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under\nthis Agreement, the suit shall only be brought in the courts of the state of Florida.\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 Customer Service,\nPO Box 31112, Tampa, FL, 33631-3112 or call Us toll-free at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. The Credit Union, in its sole discretion, may close or suspend your account if it feels that the access\ndevice is insecure for any reason whatsoever, including but not limited to; mismanagement of your account, failing to\nsafeguard any access device, creation of any credit balances by you that may increase the risk of loss or exposure to the\nCredit Union, or failing to cooperate with the Credit Union or others with regard to any claim of unauthorized use or\npayment under applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing\naccount balance as well as to future transactions. Credit Union may also reissue a different Card or different checks at\nany time.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nPage 3 of 6\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0cthe 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\nFlorida.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n\nPage 4 of 6\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0c32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n00901976-MXC30-C-1-102617 (MXC303-E)\n\n\x0c'