b'M-133842\n\nFAIRWINDS CASH BACK Visa\xc2\xae\nVARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE\n\nDEFINITIONS: Card\xe2\x80\x9d means the FAIRWINDS Cash Back Credit Card, which we issue to you under this agreement, including any\nduplicates or renewals, and includes any device or check used to obtain credit or cash from the account. The words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and\n\xe2\x80\x9cCardholder\xe2\x80\x9d mean each person jointly and individually who holds, signs, retains, uses, or permits others to use or sign a Card. The\nwords \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean FAIRWINDS Credit Union or any of its assignees. Unless otherwise stated \xe2\x80\x9caccount\xe2\x80\x9d means your VISA\xc2\xae\nCredit Card Line of Credit with us.\nYou agree to pay all charges (purchases, balance transfers, and cash advances) on your account made by you, any Additional\nCardholders or anyone who you authorize to use your account. Your obligation to pay the amount owed on your account continues\nuntil paid in full even though an agreement, divorce decree, or other court judgment to which we are not a party may direct\nsomeone else to pay the account balance. If more than one person is subject to this agreement, each is individually responsible for\nall amounts owed. This means we can enforce this agreement against any of you individually or all of you together.\nAGREEMENT: We agree to extend credit to you and advance amounts up to your credit limit. We will notify you of your\nmaximum credit limit. Upon receipt of your Card, you will immediately sign the back of the Card to ensure proper use. You\nagree to pay us for credit extended pursuant to the use of the Card by you or any other cardholders together with all applicable\nfinance charges, and in accordance with the terms of this agreement. You agree by signing, using or permitting others to use\nthe Card to the terms and conditions contained in this agreement, on the Card, or any charge slip resulting from authorized use\nof the Card and on any authorized cash advance slip.\n\n1.\n\n2. CREDIT LIMIT AND CASH ADVANCE LIMIT: We will assign a credit limit to your account, and post it on your monthly billing\nstatement. We may refuse to make an advance or authorize a transaction and/or cancel, change, or restrict your credit limit and\ncash advance limit at any time. Each transaction is considered for approval on an individual basis, including those above the\ncredit limit. We may not approve all transactions.\n\nCHANGE IN TERMS: You agree that we can change the terms of this agreement at any time, as long as we give you written\nnotice as required by law before the change becomes effective. Use of your account on or after the effective date of any change\nwill constitute your acceptance of the new terms. Any changes to the agreement may apply to all outstanding indebtedness.\nThis includes any indebtedness which shall have arisen out of purchases, balance transfers, and cash advances made by you on\nthe effective date of the changes.\n3.\n\nFINANCIAL CONDITION CHANGE: You agree to advise us of any change in your financial condition which may affect your\ncreditworthiness and to provide us with a current loan application whenever we request one. You understand and agree that\nwe may terminate your account upon reevaluation of your creditworthiness.\n\n4.\n\n5. DEFAULT: Your account will be in default if: 1) You do not pay at least the minimum payment when due; 2) You fail to\ncomply with this or other agreements with us; 3) You die, file for bankruptcy or become insolvent, that is, unable to pay your\nobligations when they become due; 4) Something happens that we believe may substantially reduce your ability to repay what\nyou owe.\n\nIf your account is in default, we may close it without notice and require you to pay your unpaid balance immediately. We can\nalso begin to collection activities. You agree to pay all reasonable collection costs, including attorneys\xe2\x80\x99 fees that we incur to\ncollect amounts you owe.\n6. ISSUANCE AND USE OF CARD: Upon receipt of the Card(s) you and all other cardholders will sign the signature panel on\nthe back of the Card(s). The Card remains our property and may be revoked by us without notice at any time. The Card must\nbe surrendered to us (or our agent designated to repossess it) upon demand or revocation. If we employ an agent for such\nrepossession, your account will be charged with any related fee(s). Either you or we may terminate this Agreement at any time,\n\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 2 \xef\x81\xb5\n\n\x0cM-133842\n\nbut termination by you or us will not affect your obligation to pay the account balance plus any finance and other charges\nyou owe under this Agreement. You are also responsible for all transactions made to your account after termination, unless the\ntransactions were unauthorized. If and to the extent permitted by applicable law, we have the right to require you to pay your\nfull account balance at any time after your account is terminated, whether it is terminated by you or us. If this account is jointly\nheld, either of the joint cardholders may terminate the account at any time by returning all Cards issued under this agreement\nto us. Termination by a joint cardholder will not relieve either of the joint cardholders or any other cardholder from liability for\nrepayment of any obligations arising from the use of the account.\nISSUANCE AND USE OF CHECKS: If we issue you convenience checks, they are processed as cash advances and accumulate\nfinance charges from the date the check posts to your account. Convenience checks may only be used by the person whose\nname is printed on them. We may refuse to issue or reissue, and may also terminate, limit, or modify the use of checks without\nnotice to you, and you agree to surrender the checks upon our demand or upon learning of our cancellation or withdrawal of\nthe checks. All the terms and conditions of this agreement apply to the checks and balance transfers. Only convenience checks,\nbalance transfers, and other methods authorized by us now and in the future may be used to obtain funds from this account,\nand if so authorized by us, your use of a Personal Identification Number (PIN) for such purposes shall constitute your signature.\nPaid convenience checks and balance transfer checks become our property and will not be returned to you. Copies may be\nprovided, if requested, for a nominal fee per item. Should we decline to pay any convenience check or balance transfer, we shall\nnot be liable for any action we take regarding payment or nonpayment of a check or balance transfer. You will not date any\ncheck later than the date you write it. If you do and the check is presented for payment before its date, we may return it unpaid.\n\n7.\n\n8. THIRD PARTY DISCLOSURE: We may disclose information about your account in order to advise third parties, such as credit\nbureaus or merchants, of the existence or condition of your account, or if you give us written permission, or in order to comply\nwith a government agency of court orders.\n\nASSIGNMENT OF ACCOUNT: You agree that we may at any time sell, transfer, or assign your account to another financial\ninstitution.\n\n9.\n\nFINANCE CHARGE: Except during any introductory or promotional period, the FINANCE CHARGE (INTEREST) for\npurchases and balance transfers will equal the sum of the Prime Rate as listed in the Money Rates Section of Eastern\nedition of The Wall Street Journal on the last business day of each month plus a margin based upon your cumulative\ncredit history. Your margin, initial Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE (APR) for\npurchases and balance transfers are as set forth in the Account Opening Disclosures provided to you at the time of\nthe delivery of this agreement, the terms of which are incorporated herein by reference. The FINANCE CHARGE for\npurchases and balance transfers will be subject to a maximum of the lesser of 18.00% APR or the highest APR then\npermitted by applicable law. The FINANCE CHARGE (INTEREST) for cash advances will equal the sum of the Prime Rate\nplus 17.99%, subject to a maximum of the lesser of 18.00% APR or the highest APR then permitted by applicable law. If\nthe index is discontinued or is no longer available, a successor index setting forth the prime rate will be chosen by us. To avoid\nincurring an additional FINANCE CHARGE on purchases and balance transfers reflected on your periodic statement and on\nany new purchases and balance transfers appearing on your next statement, you must pay the new balance for purchases and\nbalance transfers shown on the periodic statement on or before the Payment Due Date. The FINANCE CHARGES for a billing\ncycle are computed by applying the Monthly Periodic Rate to the average daily balance of (i) purchases, (ii) balance transfers,\nor (iii) cash advances, as the case may be, which is determined by dividing the sum of the daily balances during the billing\ncycle by the number of days in the cycle. Separate average daily balances are calculated for (i) purchases, (ii) balance transfers,\nand (iii) cash advances. Each daily balance of (i) purchases,(ii)balance transfers, or (iii) cash advances, as the case may be, is\ndetermined by adding to the previous balance of (i) purchases,(ii) balance transfers, or (iii) cash advances, as the case may be,\nany new (i) purchases,(ii) balance transfers, or (iii) cash advances, as the case may be, posted to your account and subtracting\nany payments as received and credits posted to your account and applied to (i) purchases,(ii) balance transfers, or (iii) cash\nadvances, as the case may be, but excluding any unpaid FINANCE CHARGES. FINANCE CHARGES will begin to accrue on cash\nadvances, including over-the counter cash advances, convenience checks, and ATMs from the date of the transaction. Fees are\nnot included in the calculation of the average daily balance. Finance charges will continue to accrue on your account until what\nyou owe under this agreement is paid in full.\n\n10.\n\nWe may offer promotional or preferred terms for all or any part of any balance. Promotional and preferred terms may be\napplicable for limited periods. Any applicable promotional or preferred terms (including any promotional or preferred Monthly\nPeriodic Rate and corresponding APR), the period in which such terms shall be in effect, the circumstances under which such\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 3 \xef\x81\xb5\n\n\x0cM-133842\n\nterms may be revoked, and the Monthly Periodic Rate and corresponding APR that will apply after the revocation of such\nterms are set forth in the Account Opening Disclosures provided to you at the time of this agreement, the terms of which are\nincorporated herein by reference.\nVARIABLE ANNUAL PERCENTAGE RATE (APR): Any Variable ANNUAL PERCENTAGE RATE (APR) for purchases, balance\ntransfers and cash advances will be based on the Prime Rate as published in the Money Rates Section of the Eastern edition\nof The Wall Street Journal on the last business day of each month and your cumulative credit history. Changes in the Prime\nRate will cause changes in the APR. Changes in the APR as the result of changes in the Prime Rate will be effective on the first\nday of the next month following one full billing cycle after any change in the Prime Rate. If the ANNUAL PERCENTAGE RATE\nincreases or decreases, the FINANCE CHARGE will increase or decrease. Any increase in the ANNUAL PERCENTAGE RATE and its\ncorresponding Monthly Periodic Rate and daily periodic rate will result in more finance charges and higher minimum periodic\npayments. Each change in the ANNUAL PERCENTAGE RATE and Monthly Periodic Rate will apply to any balance outstanding on\nthe effective date of such change as well as to future credit purchases, balance transfers, and cash advances. The APR will not\nincrease above the lesser of the maximum rate allowed by law or 18.00%.\n\n11.\n\nCASH ADVANCE APR: Cash Advance ANNUAL PERCENTAGE RATE (APR) will be the Prime Rate plus 17.99% for all cash\nadvances, ATM cash advances, and convenience checks.\n\n12.\n\nMINIMUM PAYMENT, PAYMENTS: You agree to pay at least the minimum payment due on each payment due date. The\nminimum payment due and payment due date are shown on each billing statement. The billing statement also explains when\nthe payment must reach us in order to be considered received as of that date. Payments received after that required time will be\ncredited on the next business day. To calculate the minimum payment due, we begin with any past due amount. We then add\nany amount in excess of your credit limit. We also add the largest of the following: i) the new balance on the billing statement, if\nit is less than $25; ii) $25, if the new balance is at least $25; or iii) 1% of the new balance, plus the amount of your billed interest\ncharges and any applicable fees. In no event will the minimum payment due exceed the new balance.\n\n13.\n\nMake payments to us in U.S. dollars with 1) a single check drawn on a U.S. bank, 2) money order, or 3) an electronic payment\nthat can be cleared through the U.S. banking system. You agree purchases and cash advances made in foreign countries and\nforeign currencies will be billed to you in U.S. dollars. Your Card account (16-digit) number should always be written on the\nbottom left hand corner. All payments will be credited to your account promptly, in most cases as of the day of receipt and in\nno case more than 5 business days from the date of receipt.\nYou understand and agree that, except as otherwise required by applicable law, payments will be applied in the following order\n(1) finance charge(s), (2) fee(s) (if applicable), (3) the remaining amount of your payment equal to the minimum payment due to\nthe balances with the lowest APRs, and (4) payment of the amount in excess of your minimum payment due will be applied to\nthe balances with the highest APRs.\nANNUAL FEE: There is no annual fee at this time. You will receive prior written notice should we decide to impose an annual\nfee.\n\n14.\n\nLATE FEE: If you do not make the total minimum payment due on your monthly statement by the date listed on your\nstatement you may be assessed a late charge of $25, in the case of the first violation, or $35, in the case of any additional\nviolation during any six consecutive billing cycles; provided, however, the late charge shall in no case exceed the amount of the\nrequired minimum payment due. Any late payment charge you owe us will be added to your account but will not be included\nin any finance charge calculation.\n\n15.\n\nRETURN PAYMENT FEE: If a payment is returned, there will be a return payment charge of $25, in the case of the first\nviolation, or $30, in the case of any additional violation during any six consecutive billing cycles; provided, however, the return\npayment charge shall in no case exceed the amount of the required minimum payment due. Any return payment charge you\nowe us will be added to your account but will not be included in any finance charge calculation.\n\n16.\n\nCASH ADVANCE LIMIT: We may make part of your Credit Limit available for cash advances. We may increase or reduce your\ncash advance limit. We may do so even if you pay on time and your account is not in default.\n\n17.\n\n18.\n\nCASH ADVANCE FEES: For each cash advance, a fee of 4% will be charged. The minimum cash advance fee is $10. Cash\n\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 4 \xef\x81\xb5\n\n\x0cM-133842\n\nadvance transactions are defined as ATM withdrawals, convenience checks, and cash advances made at any financial institution\nbranch.\n19. BALANCE TRANSFER FEES: There is not balance transfer fee at this time. You will receive prior written notice should we\ndecide to impose a balance transfer fee.\n20. MILITARY LENDING ACT (MLA): Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces\nand his or her dependent may not exceed an Annual Percentage Rate (APR) of 36 percent. This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit insurance premium; fees for ancillary products\nsold in connection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a Credit Card\naccount).\n21. LOST OR STOLEN CARD: You are responsible for the possession and use of the Card and must maintain the confidentiality\nof the Personal Identification Number (PIN) we may assign you. You will notify us if you believe your Card has been lost, stolen or\nif you have reason to believe that the Card is being used without your permission immediately. You may notify security by\ncalling 407-277-5045 or 1-800-443-6887 seven (7) days a week twenty-four (24) hours a day.\n22. SECURITY INTEREST: If you give us a specific pledge of shares by signing a separate pledge of shares for this\naccount, your pledged shares will secure your account. You pledge as security for the account all shares and dividends\nand, if any, all deposits and interest in all joint and individual accounts you have with us now or in the future. Also, any\nproperty you give as security will secure all amounts owed under this agreement and all other loans you have with us\nnow or in the future, except any loan secured by your principle dwelling. Your pledge does not apply to any Individual\nRetirement Account or any other account that would lose special tax treatment under state or federal law if given as\nsecurity. Property securing other loans you have with us may also secure this agreement.\n23. MEMBERSHIP REQUIREMENT: You must be and remain a member in good standing with us to be eligible for continuing\nAccount and/or Card privileges including future purchases and advances. We may suspend the Account and/or Card privileges,\nincluding closing the Account, if you do not maintain your Membership with us.\n24. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your\nAccount in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa\xc2\xae operating regulations for\ninternational transactions. The exchange rate between the transaction currency and the billing currency used for\nprocessing international transactions is a rate selected by Visa\xc2\xae from the range of rates available in wholesale currency\nmarkets for the applicable Central Processing Date, which rate may vary from the rate Visa\xc2\xae itself receives, or the\ngovernment- mandated rate in effect for the applicable Central Processing Date in each instance. The exchange rate used\non the processing date may differ from the rate that would have been used on the purchase date or cardholder statement\nposting date. When a credit to the Account does not fully offset a charge to the Account due to changes in the rate, you are\nresponsible for the difference. A fee, as disclosed in the disclosures accompanying this Agreement, may be imposed on all\nforeign transactions, including purchases, cash advances, and credits to your account. A foreign transaction is any\ntransaction that you complete, or a merchant completes on your card outside of the U.S.\n25. ILLEGAL USE: You may use your FAIRWINDS Credit Union Credit Card for any transaction permitted by law. You may not use\nyour Card for any gambling purposes, either legal or illegal. You agree that illegal use and/or use in gambling activities of this\nCard will be deemed an action of default and/or breach of contract and such service and/or other related services may\nbe terminated at our discretion. You further agree, should illegal use occur, to waive the right to sue us for such illegal activity\ndirectly or indirectly related to it. You also agree to indemnify and hold us harmless from any suits or other legal action or\nliability, directly or indirectly, resulting from such use.\n26. LIABILITY FOR UNAUTHORIZED USE: You are liable for all authorized use of any Card issued under this agreement regardless of\nthe credit limit or the party using it. You also may be liable for the unauthorized use of your Card as follows: 1) If you tell us after\nlearning of the loss or theft of the Card, your liability for unauthorized transactions using the VISA\xc2\xae system is Zero; 2) For Card\ntransactions through a non-VISA\xc2\xae network, VISA\xc2\xae Commercial Cards, VISA\xc2\xae or Plus ATM, or any ATM transactions, or to Cards issued\noutside the United States, if you tell us within two (2) business days after learning of the loss or theft of the Card, your liability for\nunauthorized transactions is $50.00; 3) For ATM transactions, your liability for unauthorized transactions is$500.00 if you do not tell us\nwithin two (2) business days; and 4) if you do not tell us within sixty (60) days after the statement\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 5 \xef\x81\xb5\n\n\x0cM-133842\n\nwas mailed, you may not get any money you lost if we can prove that we could have stopped someone from taking the money\nhad you told us in time. The term \xe2\x80\x9cunauthorized\xe2\x80\x9d does not include any transaction from which you receive a benefit or any\ntransaction by a person with actual, implied, or apparent authority to use the Card. We may require you to provide a written\nstatement regarding claims of unauthorized transactions. If we determine that you have been grossly negligent or fraudulent\nin the handing of your account or Card, your liability may increase. These rules do not apply to other electronic transfers. You\nwill not be liable for unauthorized use that occurs after you notify us orally at 407-277-5045 or 1-800-443-6887, or in writing to\nFAIRWINDS Credit Union, Attn: Card Services, 3087 N. Alafaya Trail, Orlando, FL 32826. You agree to cooperate with us in the\nrecovery of any amounts advanced based on such unauthorized use.\nSTATEMENTS AND NOTICES: We will bill you monthly, on a date selected by us, for amounts due under this agreement.\nUpon receipt of each periodic statement you should examine it and immediately notify us in writing of any transaction you\nbelieve to be in error to FAIRWINDS Credit Union, Attn: Card Services, 3087 N. Alafaya Trail, Orlando, FL 32826. Statements and\nnotices will be mailed to you at the most recent address you have given us. You agree to notify us promptly of any change in\nyour name, address, and phone number. Notice sent to any one of you will be considered notice to all of you.\n\n27.\n\n28. MERCHANT REFUSALS AND ADJUSTMENTS: We will have no liability or responsibility if any merchant refuses to honor the\nCard. No cash refund will be made to you with respect to any adjustment for goods or services purchased. All adjustments will\nbe made by credit to your account.\n\nVISA ACCOUNT UPDATER (VAU): VAU is an automatic account information updating service provided by VISA\xc2\xae. Your Card is\nautomatically enrolled in VAU when issued. When your Card expires or is lost or stolen and a new or replacement Card is issued,\nVISA\xc2\xae may update relevant Card information (card number and expiration date) with participating merchants with which you\nhave an ongoing payment relationship, such as recurring payments or automatic billing. The VAU service is provided for your\nconvenience at no cost to you. You may opt-out of the VAU service at any time by contacting us by mail at: FAIRWINDS Credit\nUnion, 3087 N. Alafaya Trail, Orlando, FL 32826, or by telephone at 1-800-443-6887. You acknowledge and agree participation\nin VAU does not relieve you of your responsibility to ensure merchants have your correct information on file and your failure to\nkeep your account information current may result in declined payments. You acknowledge and agree further neither VISA\xc2\xae nor\nwe guarantees that your account updates will be received or recognized by merchants prior to any billing.\n\n29.\n\nCASH BACK PROGRAM: You are entitled to Cash Back as described in these paragraphs. You will receive Cash Back of 1.5%\nof Qualifying Net Purchases during each billing cycle; provided, however, you will not receive or accrue any Cash Back for a\nbilling cycle if, by the end of that cycle, the minimum payment due shown on the statement for the immediately preceding\nbilling cycle is not paid. \xe2\x80\x9cQualifying Net Purchases\xe2\x80\x9d means all authorized credit purchases posted to your Account less (i) any\ncredit purchase refunds, (ii) any credits for returned purchases, and (iii) any disputed Account items.\n30.\n\nAll accrued but uncredited Cash Back will be forfeited if your Account is closed or terminated for any reason by you or us. We\nmay change or terminate the Program at any time.\nOTHER AGREEMENTS: All the terms and conditions of any other agreement between us and you and/or any other\ninstitution that is part of a network of Automated Teller Machines (ATM) in which we participate, and any applicable rules and\nregulations, also apply to use of the Card. In the event of a conflict between the terms of this agreement and the terms of other\nagreement or sales, cash advance, credit or other slips you sign or receive, the terms of this agreement shall govern. There may\nbe minimum and/or maximum limits on the amount of a cash advance dispensed from electronic terminals which accept the\nCard. All of the transactions made by electronic means are subject to verification by us. You agree that we do not waive our\nrights under this agreement if we fail to assert them. The agreement binds and benefits us and our successors and assigns and\nbinds you, your estate and your personal representatives.\n31.\n\n32. INVALIDITY OF PROVISIONS AND CAPTIONS: If any provision of this Agreement is deemed invalid the rest of this\nAgreement will remain in full force and effect. The paragraph headings are for convenience only and do not form a part of this\nAgreement.\n\nGOVERNING LAW AND VENUE: The terms and conditions of this Agreement are governed by and construed in accordance\nwith the laws of the State of Florida and any applicable Federal law. The venue for any legal action or claim you make against\nthe Credit Union will be Orange County, Florida.\n\n33.\n\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 6 \xef\x81\xb5\n\n\x0cM-133842\n\nYOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement.\nIf you think there is an error on your statement, write to us at:\nFAIRWINDS Credit Union\nAttn: Card Services\n3087 N. Alafaya Trail\nOrlando, FL 32826\nYou may also contact us on the web: www.fairwinds.org\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number\nDollar amount: The dollar amount of the suspected error\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amo\nyou think is wrong.\n\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate\nany 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.\n2.\n\nWithin 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.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe th\nbill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent\nif you do not pay the amount we think you owe.\n\n1.\n2.\n\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\nContinued on page 7 \xef\x81\xb5\n\n\x0cM-133842\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\n2.\n3.\n\nThe 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 an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\nYou must have used your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your Credit Card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:\nFAIRWINDS Credit Union\nAttn: Card Services\n3087 N. Alafaya Trail\nOrlando, FL 32826\nwww.fairwinds.org\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n38c Cash Back Credit Card Agreement (Updated 04302021)\n\n\x0c'