b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA SIGNATURE REWARDS/VISA PLATINUM/VISA CLASSIC/VISA GOLD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Signature Rewards\n\n12.74% to 19.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n\n7.74% to 9.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Classic\n\n13.46% to 20.46% , based on your creditworthiness.\n\nVisa Gold\n\n8.74% to 13.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nVisa Signature Rewards\n0.00% Introductory APR, for qualifying members,\nfor six full billing cycles\nfollowing the end of the promotional period.\nAfter that, or if you do not qualify for the Introductory APR, your APR will be\n12.74% to 19.24%, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\nVisa Platinum\n7.74% to 9.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Classic\n13.46% to 20.46% , based on your creditworthiness.\n\nAPR for Cash Advances\n\nVisa Gold\n8.74% to 13.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Signature Rewards\n12.74% to 19.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n7.74% to 9.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Classic\n13.46% to 20.46% , based on your creditworthiness.\nVisa Gold\n8.74% to 13.74%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\n20210401\n04501738-MXC10-C-7-040521 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n1.00% of each multiple currency transaction in U.S. dollars\n1.00% of each single currency transaction in U.S. dollars\nUp to $20.00\nUp to $20.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Signature Rewards: The Introductory APR for balance transfers will\napply to transactions posted to your account from April 1, 2021\nuntil June 30, 2021\n. Any existing balances\non University Of Virginia Community Credit Union Inc loan or credit card accounts are not eligible for the Introductory APR\nfor balance transfers.\nEffective Date: The information about the costs of the card described in this application is accurate as of: April 1, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\n.\n\nFor California Borrowers, the Visa Signature Rewards, Visa Platinum, Visa Classic and Visa Gold are secured\ncredit cards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or\njoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account\nthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have\nwith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that\nduring any periods when you are a covered borrower under the Military Lending Act your credit card will be\nsecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any\nindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you\nestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days\nlate in making a payment.\nReturned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less.\nRush Fee: $20.00.\nDocument Copy Fee: $3.50.\nStatement Copy Fee: $3.50.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n20210401\n\n04501738-MXC10-C-7-040521 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA SIGNATURE REWARDS/VISA PLATINUM\nVISA GOLD/VISA CLASSIC\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 University Of Virginia Community Credit Union Inc with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d\n\xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the\nAccount; and anyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any\nother access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to\nYou. "Account" means the line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nMay 2020\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04501738-MXC30-C-1-022520 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $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.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on 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.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\nPage 2 of 6\n\nMay 2020\n\n04501738-MXC30-C-1-022520 (MXC303-E)\n\n\x0cdollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. 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.\n10. 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\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. 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.\n12. 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 Card Member\nServices, PO Box 30495, Tampa, FL, 33630 or call Us at (866) 595-6757, 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. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n\nMay 2020\n\n04501738-MXC30-C-1-022520 (MXC303-E)\n\n\x0c14. 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.\n15. 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.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. 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.\n18. 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.\n19. 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.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n21. 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.\n22. 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.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n\nPage 4 of 6\n\nMay 2020\n\n04501738-MXC30-C-1-022520 (MXC303-E)\n\n\x0c29. 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.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n\nMay 2020\n\n04501738-MXC30-C-1-022520 (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\n\nMay 2020\n\n04501738-MXC30-C-1-022520 (MXC303-E)\n\n\x0c\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501738-MXC10-C-4-042220 (MXC101-E)\n\n\x0c\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501738-MXC10-C-4-042220 (MXC101-E)\n\n\x0c\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501738-MXC10-C-4-042220 (MXC101-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM (VARIABLE)/VISA PLATINUM (NONVARIABLE)/VISA PLATINUM SECURED (VARIABLE)\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum (Variable)\n\n8.95% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum (Non-Variable)\n\n9.95%\n\nVisa Platinum Secured (Variable)\n\n14.95%\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Platinum (Variable)\n8.95% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum (Non-Variable)\n9.95%\nVisa Platinum Secured (Variable)\n14.95%\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum (Variable)\n10.95% to 18.00% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum (Non-Variable)\n11.95%\nVisa Platinum Secured (Variable)\n16.95%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01001985-MXC10-C-2-022321 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Platinum (Variable)\n18.00%\nVisa Platinum (Non-Variable)\n18.00%\nVisa Platinum Secured (Variable)\n18.00%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n$5.00 or 1.00% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $50.00)\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: March 1, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum (Variable), Visa Platinum (Non-Variable) and Visa Platinum Secured\n(Variable) are secured credit cards. Credit extended under this credit card account is secured by various\npersonal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any\nshares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you\nhave in any individual or joint account with the Credit Union excluding shares in an Individual Retirement\nAccount or in any other account that would lose special tax treatment under state or federal law, and (d)\ncollateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01001985-MXC10-C-2-022321 (MXC101-E)\n\n\x0cCash Advance Fee (Finance Charge):\n$5.00 or 1.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nForeign Transaction Fee:\n1.00% of each transaction, calculated in U.S. dollars, will be charged to Your Account when you make a foreign\ntransaction. A foreign transaction is any transaction that You complete or a merchant completes on Your Card outside of\nthe United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies, or U.S. consulates.\nTransactions completed by merchants outside of the United States are considered foreign transactions, regardless of\nwhether You are located inside or outside the United States at the time of the transaction.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01001985-MXC10-C-2-022321 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM (VARIABLE)/VISA PLATINUM (NONVARIABLE)/VISA PLATINUM SECURED (VARIABLE)\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 Robins Financial 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\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01001985-MXC30-C-1-022221 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $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.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on 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.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), 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.\nPage 2 of 6\n01001985-MXC30-C-1-022221 (MXC303-E)\n\n\x0cembassies, or U.S. consulates. Transactions completed by merchants outside of the United States are considered foreign\ntransactions, regardless of whether You are located inside or outside the United States at the time of the transaction. The\nForeign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. 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.\n10. 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\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. 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.\n12. 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 PO Box 6849,\nWarner Robins, GA, 31095 or call Us at (478) 923-3773 or (800) 241-2405, 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. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nPage 3 of 6\n01001985-MXC30-C-1-022221 (MXC303-E)\n\n\x0cCards 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.\n14. 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.\n15. 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.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. 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.\n18. 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.\n19. 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.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nGeorgia.\n21. 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.\n22. 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.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. 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.\n26. 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.\n27. 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.\n\nPage 4 of 6\n01001985-MXC30-C-1-022221 (MXC303-E)\n\n\x0c28. 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. 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.\n34. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n01001985-MXC30-C-1-022221 (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\n01001985-MXC30-C-1-022221 (MXC303-E)\n\n\x0c'


b'SUMMARY OF VISA ACCOUNT TERMS:\nInterest Rates and Interest Charges\nIntroductory Period Annual\nPercentage Rate (APR) for\npurchases, balance transfers A fixed\nand cash advances\nAnnual Percentage Rate\n(APR) for purchases and\nbalance transfers after the\nintroductory period\nCash Advance APR\nMethod of Computing\nBalance for Purchases\nHow to avoid paying interest\non purchases\nMinimum Finance Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFees\nAnnual Membership Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\nOther Fees\n\n0% APR for six months from the date account is open\n\nVISA Classic ScoreCard\n\n9.99%\n\n(1)\n\n(2)\n\n9.99%\n9.99%\n\nVISA Platinum ScoreCard-Merchandise\nVISA Platinum ScoreCard-Cash Back\n14.99% (2)\n\n(2)\n\n(2)\n\nAverage daily balance including new purchases\nThe account balance is paid in full within 25 days after the statement closing date (3,4)\nNone (4)\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nVISA Classic & VISA Platinum ScoreCard-Merchandise: None\nVISA ScoreCard-Cash Back: $30\nNone\n$3\n1% of the converted transaction amount\n$7.80\nNone\nNone\nReplacement Card Fee: $10 if card is replaced more than once in any 12 month period\nExpedited Card Delivery Fee: $20\n\nThese Account Terms are true as of 7/6/2020. Terms are subject to change after the date of printing. Should you have any questions regarding changes after printing date, please contact us.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d, including new purchases.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n(1) INTRODUCTORY INTEREST RATE (for new purchases, balance transfers and cash advances) \xe2\x80\x94 From the account-opening date, the introductory interest rate will be 0% APR FIXED FOR\nSIX MONTHS. Thereafter the rate will be the APR disclosed in the above \xe2\x80\x9cACCOUNT TERMS\xe2\x80\x9d for the type of Visa credit card you obtain, based on the terms and conditions in the application.\nSee full details of Account conditions and terms in the Bank Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) provided separately from the application and/or credit card at account opening.\n(2) Visa Classic ScoreCard, Visa Platinum ScoreCard-Merchandise and Visa Platinum ScoreCard-Cash Back are subject to a FINANCE CHARGE of .83%, which is equal to an APR of 9.99%.\n(3) WHEN INTEREST RATES BEGIN TO ACCRUE. All cash advances are subject to a FINANCE CHARGE from the date of the cash advance.\n(4) How We Will Calculate Your Balance \xe2\x80\x94 Purchases are subject to a finance charge from the date they are posted to the account; however, no interest is imposed on purchases if the\naccount balance is paid in full within 25 days after the statement closing date. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day\nperiod, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date\nof posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid\nin full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily\nbalance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases\nis determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any\npayments as received or credits as posted to your account, but excluding any unpaid finance charges.\nChanges: We may add, change, or delete any of the terms of your account and the corresponding Credit Card Agreement (including, but not limited to, Annual Percentage Rate and other significant changes) in accordance with the agreement and applicable laws.\nScoreCardSM Bonus Point Program\nComplete ScoreCard Bonus Point Program rules will be sent with your first statement. Rewards begin to accumulate after you have received and activated your new card. Points accrued will\nexpire five years after the expiration date. March 31 is the expiration date for points not redeemed within the previous five year period. For example, if a purchase is made March 1, 2019, the\npoints will not expire until March 31, 2024.\nImportant Information About Opening A New Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each\nperson who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your\ndriver\xe2\x80\x99s license or other identifying documents.\n\nBANK CREDIT CARD AGREEMENT\nMERCHANTS BANK, NATIONAL ASSOCIATION\n\nBANK CREDIT CARD ACCOUNT:\nThis Agreement governs the Borrower\xe2\x80\x99s Bank Credit Card Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) with the Lender. PLEASE READ CAREFULLY. The Account\nestablishes a line of credit for Borrower with Lender. The Account is\nsecured by the security identified below. Borrower may request loan\nadvances up to the amount of the credit limit indicated above. Lender\nagrees to make such advances unless Borrower fails to comply with the\nterms of this Agreement or any accompanying document executed in\nconnection with this Agreement. Borrower may be asked to sign other\ndocuments in order to grant Lender a security interest in the collateral\nthat is pledged.\nACCESS TO THE ACCOUNT:\nBorrower may access this account in the following manner:\n-\x07request in person that you be advanced directly an amount up to the\navailability on the account at any given time.\n-\x07use the credit card we supply to make purchases or receive cash loan\nadvances.\nHOW THE LOAN IS ADVANCED:\nWhen you request a loan, we will, subject to any limitations contained in\nthis Agreement, give you the exact amount you request or the minimum\nadvance amount whichever is greater. Depending on how we agree to\nmake the advance, we will either deposit the money into your transaction account, give the money directly to you, or pay any third person or\naccount you tell us to pay. We will record the advance as a loan in your\nloan account.\nHOW TO REPAY YOUR LOANS:\nOn or before each payment date, you must make a minimum payment to\nreduce your debt. The minimum payment equals the total New Balance\nas shown on your monthly billing statement if the amount is less than\nor equal to $15.00 If the New Balance exceeds $15.00, the minimum\npayment is 3% (rounded up to the next dollar) of that portion of the New\nBalance which does not exceed your credit limit, plus the entire portion\nof the New Balance in excess of your credit limit, plus any amount past\ndue, or $15.00, whichever is greater. You may prepay this debt in whole\nor in part at any time.\nSECURITY:\nTo secure the payment and performance of obligations incurred under\nthis Agreement, Borrower grants Lender a security interest in, and pledges\nand assigns to Lender, all of Borrower\xe2\x80\x99s rights, title, and interest, in all\nmonies, instruments, savings, checking and other deposit accounts of\nBorrower\xe2\x80\x99s, (excluding IRA, Keogh and trust accounts and deposits subject\nto tax penalties if so assigned) that are now or in the future in Lender\xe2\x80\x99s\ncustody or control. Upon default, and to the extent permitted by applicable law, Lender may exercise any or all of its rights or remedies as a\nsecured party with respect to such property, which rights and remedies\nshall be in addition to all other rights and remedies granted to Lender\nincluding, without limitation, Lender\xe2\x80\x99s common law right of set off. [ ]\nIf checked, the obligations under this Agreement are also secured by a\nlien and/or security interest in the property described in the documents\nexecuted in connection with this Agreement as well as any other property\ndesignated as security now or in the future.\nCHANGE OF TERMS: LENDER HAS THE RIGHT TO CHANGE THE TERMS\nAND CONDITIONS OF THIS AGREEMENT AT ANY TIME IN ACCORDANCE\n\nWITH STATE AND FEDERAL LAW. THESE CHANGES MAY AFFECT BOTH\nEXISTING BALANCES AND FUTURE TRANSACTIONS, THE ANNUAL\nPERCENTAGE RATE, THE MANNER IN WHICH THE FINANCE CHARGE IS\nCALCULATED AND BILLED, THE TIMING AND METHOD OF PAYMENTS,\nTHE TYPE OR AMOUNT OF MINIMUM CHARGES, THE AMOUNT OF A\nMINIMUM PAYMENT, THE PAYMENT SCHEDULE, AND OTHER TERMS\nOF THIS AGREEMENT. LENDER WILL GIVE BORROWER PRIOR WRITTEN\nNOTICE OF ANY CHANGE AS REQUIRED BY LAW.\nEither of us can cancel this Agreement at any time, by giving written\nnotice. Cancellation of this Agreement does not end your obligation to\nrepay all sums due under this Agreement.\nLATE FEES:\nA LATE FEE OF $7.80 ON THE AMOUNT PAST DUE WILL BE ASSESSED 10\nDAYS AFTER THE STATEMENT DATE.\nCREDIT INFORMATION:\nBorrower authorizes us to make or have made any credit inquiries we\nfeel are necessary. Borrower also authorizes the persons or agencies to\nsupply Lender with the information requested.\nTERMS AND CONDITIONS:\n1. \x07PROMISE TO PAY: Borrower promises to pay to Lender the full\namount of all advances under this Account plus finance charges and\nall other fees, collection costs, attorneys\xe2\x80\x99 fees as allowed by law and\nall other charges imposed by Lender.\n2. \x07CREDIT LIMIT: Lender may review Borrower\xe2\x80\x99s Account and may\nincrease or decrease the Credit Limit upon written notice to the\nBorrower. Borrower agrees not to request loan advances on the\nAccount that would cause the unpaid principal balance to exceed\nthe Credit Limit. Although Lender may honor a loan advance\nrequest that exceeds the Credit Limit from time to time, Lender\nshall have no obligation to make such advances. But if we do: (1)\nthe amount we advance will be covered by this Agreement; (2) it\ndoes not mean we have to do so again; and (3) it does not mean we\nhave permanently increased your Line of Credit. If Borrower exceeds\nthe Credit Limit under this Agreement, Borrower will be in default\nand will be subject to all of the default remedies describe in this\nAgreement, and any accompanying document executed in connection with this Agreement.\n3. \x07SECURITY AGREEMENT: If so designated under Security above,\nBorrower grants to Lender a security interest in the personal property identified in the documents executed in connection with this\nAgreement. The obligations under this Agreement shall additionally\nbe secured by the collateral securing any other present or future\nobligation of Borrower to Lender, its subsidiaries or affiliates.\nHowever, this cross-collateral language shall have no effect if the\noperation of the language would violate any applicable state or\nfederal laws, or would result in Lender obtaining a non-purchase\nmoney security interest in Borrower\xe2\x80\x99s household goods or dwelling.\n4. \x07PROPERTY INSURANCE: Borrower is required as a condition of this\nAgreement to maintain insurance on the property securing the\nAccount, if any. The requirements for the insurance are detailed in\nthe security agreement or other documents executed in connection\nwith this Agreement. This insurance may be obtained through a\nresponsible insurer of Borrower\xe2\x80\x99s choice.\n5. \x07FEES: All fees required to establish this Account have been disclosed\nabove. Any annual fee indicated above will be charged to the\nAccount as a loan advance on the first anniversary date of the\n\n\x0caccount opening and at the same time during each succeeding year\nuntil the Account is closed. The amount of the annual fee may be\nadjusted in the future. Lender\xe2\x80\x99s current fee for processing returned\nor insufficient funds items will be charged to the Account as a loan\nadvance if Borrower\xe2\x80\x99s payment instrument is not honored or cannot\nbe processed.\n6. \x07INFORMATION ABOUT THE BORROWER: Borrower agrees to provide\nto Lender, upon request, the financial and credit related information\nnecessary to establish this Account. Borrower understands that Lender\nwill open the Account and make loan advances under this Account in\nreliance on that information. Borrower promises that all information\nprovided to Lender either now or in the future will be true and complete. Borrower agrees to notify Lender immediately of any adverse\nchange in Borrower\xe2\x80\x99s financial or credit condition. Information concerning the Account may be reported to credit reporting agencies and\nwill be made available when requested by proper legal process.\n7. \x07PERIODIC STATEMENTS: Each billing cycle Lender will forward to\nBorrower, at the address indicated on the Application, a statement of\nthe Account. The statement will include a summary of all transactions\non the Account during the billing cycle, the previous balance, advances, payments and credits, finance charges, the ending balance, and\nwill specify the minimum payment amount and date that payment is\ndue.\n8. \x07DEFAULT: Borrower will be in default if Borrower or any guarantor\nor any other third party (a) fails to make any payment when due;\n(b) violates the terms in this Agreement, the accompanying security\nagreement or any other agreement with Lender; (c) exceeds the stated\ncredit limit; (d) provides false or misleading information to Lender\nwith respect to this Account; (e) becomes the subject of any voluntary\nor involuntary proceeding under the Bankruptcy Code or under any\nother statutory or judicial proceeding for the rehabilitation of debtors; (f) dies or becomes legally incompetent; (g) permits the entry or\nservice of any garnishment, judgment, tax levy, attachment or lien\nagainst Borrower or any of Borrower\xe2\x80\x99s property; or (h) causes or permits any act or event which Lender in good faith believes will impair\nthe collateral or adversely affect Borrower\xe2\x80\x99s ability to repay any of the\nobligations under this Agreement.\n9. \x07LENDER\xe2\x80\x99S RIGHTS UPON DEFAULT: Upon the occurrence of default,\nLender may terminate Borrower\xe2\x80\x99s rights under this Agreement and (a)\ndeclare the unpaid balance of the Account, including finance charges,\nunpaid principal and fees, immediately due and payable; (b) refuse to\nhonor additional loan advance requests; (c) take possession as permitted by law of any property or collateral securing this or any other obligation, and sell or apply the property to reduce or satisfy the obligations; and (d) exercise any and all remedies which may be available to\nLender as a secured creditor under applicable law. Lender shall also\nhave the right to hold or apply funds in Borrower\xe2\x80\x99s deposit accounts\nagainst all funds due and owing to Lender. Lender\xe2\x80\x99s remedies are in\naddition to those available at common law, such as setoff.\n10. D\n\x07 EMAND FEATURE: If this Agreement contains a demand feature,\nLender\xe2\x80\x99s right to demand payment, at any time, and from time to\ntime, shall be in Lender\xe2\x80\x99s sole and absolute discretion, whether or\nnot any default has occurred.\n11. R\n\x07 ESTRICTIVE ENDORSEMENT: If Borrower marks any check payable\nto Lender as \xe2\x80\x9cPaid in Full\xe2\x80\x9d or words to that effect, Borrower will\nstill be responsible for repaying any balance that remains due on\nthe Account and Lender shall not lose any of its rights under this\nAgreement.\n12. T\x07 ERMINATION: Lender, in its sole discretion, may terminate the\nAccount by notifying Borrower or upon borrower\xe2\x80\x99s default. Upon an\nevent of default or termination of the Account, Lender\xe2\x80\x99s obligation,\n\nif any, to honor loan advance requests against the Account shall\ncease. Borrower shall continue to be obligated to pay all amounts\ndue to Lender pursuant to the terms of this Agreement at the time\nof default or termination. Lender shall notify Borrower of termination in writing at the address indicated on the Agreement. Borrower\nmay terminate this Agreement by notifying Lender in writing at the\naddress indicated on the Agreement. Borrower\xe2\x80\x99s obligation to pay\nall amounts due to Lender shall continue until all amounts due and\nowing have been paid.\n13. \x07COLLECTION EXPENSE: If Lender hires an attorney to assist in collecting any amount due or enforcing any right or remedy under this\nAgreement, Borrower agrees to pay Lender\xe2\x80\x99s reasonable attorneys\xe2\x80\x99\nfees and collection costs to the extent permitted by law.\n14. \x07JOINT ACCOUNT: If this Account is a joint Account, each Borrower\nshall be individually and jointly liable for payment of the debt. This\nliability exists regardless of which Borrower creates the debt, and in\nspite of any divorce, legal proceedings or agreement that may affect\nliability between the Borrowers. This joint and several liability shall\ncontinue until all obligations are paid in full. A release of one joint\nBorrower or a release of any collateral securing this Agreement shall\nnot operate as a release of any other joint Borrower.\n15. \x07MODIFICATION AND WAIVER: The modification or waiver of any of\nBorrower\xe2\x80\x99s obligations or Lender\xe2\x80\x99s rights under this Agreement must\nbe contained in writing signed by Lender. Lender may perform any\nof Borrower\xe2\x80\x99s obligations or delay or fail to exercise any of its rights\nwithout causing a waiver of those obligations or rights. A waiver on\none occasion shall not constitute a waiver on any other occasion.\nBorrower\xe2\x80\x99s obligations under this Agreement shall not be affected if\nLender amends, compromises, exchanges, fails to exercise, impairs\nor releases any of the obligations belonging to any co-borrower or\nguarantor or any of its rights against any co-borrower, guarantor or\ncollateral.\n16. \x07ASSIGNMENT: Borrower may not assign this Agreement. Any such\nassignment of its rights under this Agreement and any attempted\nassignment will be null and void. Lender has the right to sell or\ntransfer the Account at any time.\n17. \x07SUCCESSORS AND ASSIGNS: This Agreement shall be binding upon\nand insure to the benefit of Borrower and Lender and their respective successors, assigns, trustees, receivers, administrators, personal\nrepresentatives, legatees, and devisees. The term \xe2\x80\x9cLender\xe2\x80\x9d shall mean\nthe Lender specified in this Agreement, its successors and assigns,\nand subsequent holders of this Agreement.\n18. \x07NOTICE: Any notice or other communication to be provided under\nthis Agreement shall be in writing and sent to the parties at the\naddresses described in this Agreement or such other address as the\nparties may be designate in writing from time to time.\n19. \x07SEVERABILITY: If any provision of this Agreement violates the law or\nis unenforceable, the rest of the Agreement shall remain in full force\nand effect.\n20. \x07APPLICABLE LAW: This Agreement shall be governed by the laws of\nthe state of Minnesota. Borrower consents to the jurisdiction and\nvenue of any court located in the state of Minnesota in the event of\nany legal proceeding under this Agreement.\n21. \x07SIGNATURES: The signature of the Borrower on the Application shall\nindicate that the Borrower agrees to the terms and conditions of the\nAgreement.\n22. \x07MISCELLANEOUS: Borrower will provide Lender with current financial statements and other information upon request. Borrower and\nLender agree that time is of the essence. Borrower waives presentment, demand for payment, notice of dishonor and protest. If Lender\nobtains a judgment for any amount due under this Agreement,\n\ninterest will accrue on the judgment at the judgment rate of interest permitted by law. All references to Borrower in this Agreement\nshall include all of the parties on the Application. If there is more\nthan one Borrower, their obligations will be joint and several. This\nAgreement and any related documents represents the complete and\nintegrated understanding between Borrower and Lender.\nBorrower agrees that the Credit Card covered by this Agreement will not\nbe used for any illegal transaction as defined by local, state, federal or any\nother law.\nIf you have authorized us to pay your bill automatically from your savings,\nchecking or other account, you can stop the payment on any amount you\nthink is wrong. To stop the payment, your letter must reach us three days\nbefore the automatic payment is scheduled to occur.\nYOUR BILLING RIGHTS\nThis notice tells you about your rights and responsibilities\nunder 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\nshown on your monthly billing statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information:\nYour name and account number\n\xe2\x80\xa2 Dollar Amount:\nThe dollar amount of the suspected error\n\xe2\x80\xa2 Description of Problem:\t\x07If you think there is an error on your bill,\ndescribe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 \x07At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing (or electronically). You\nmay call us, but if you do, we are not required to investigate any potential\nerrors 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 after receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 \x07We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement and we may\ncontinue to charge your interest on that amount.\n\xe2\x80\xa2 \x07While you do not have to pay the amount in question, you are\nresponsible 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 I\x07 f we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 I\x07 f we do not believe there was a mistake: You will have to pay the\namount in question along with applicable interest and fees. We will\n\nsend you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount in question, even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50.\n(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\nsold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing (or electronically) at the address shown on\nyour monthly billing statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision.\nAt that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\nLIABILITY FOR UNAUTHORIZED\nUSE OF A CREDIT CARD\nYou may be liable for the unauthorized use of your credit card. You will\nnot be liable for unauthorized use that occurs after you notify us at the\naddress listed below, orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.\nINQUIRIES OR QUESTIONS\nYou may address any inquiries or questions which you have about\nyour Account to: Merchants Bank Credit Card Department, P.O. Box 248,\nWinona, MN 55987, or you may call us at 1-800-944-6285.\n\nMember FDIC\n\n07/20\n\n\x0c'