b'VISA Cardholder Agreement\nTerms and Conditions and Truth in Lending Disclosure\nThis Credit Card Agreement governs the Mountain Pacific Bank\nVISA Platinum Card. In this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and\n\xe2\x80\x9cyour\xe2\x80\x9d mean any person (if more than one, individually and\njointly) who is responsible for your account. \xe2\x80\x9cThe Account\xe2\x80\x9d\nmeans the VISA Card as the case may be. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d\nrefer to the bank, and \xe2\x80\x9cCard\xe2\x80\x9d refers to the VISA card(s) we issue\nto you. \xe2\x80\x9cAccount\xe2\x80\x9d refers to your VISA Account with us.\n1. Use of Your Account. We have sent or will send you the\nCard you requested. You agree to sign the Card promptly upon\nreceipt. By signing or using the Card or your Account, you\nagree to be bound by all of the terms of this Agreement. You\nmay use the Card to lease or purchase goods (Purchases) and to\nobtain services on credit from any person who accepts the Card\nand to obtain loans from us (Cash Advances) or from anyone\nwho will accept the Card. You may also transfer balances from\nother credit card accounts to your Account (Balance Transfers).\nWe do not promise that everyone will honor the Card, and we\nhave no obligation to you if anyone refuses to accept the Card.\nWe will not be liable if any merchant, bank or other person does\nnot honor your Card, or fails to provide any service made\navailable to you by us. From time to time you may be required\nto furnish identification when your Card is presented for use.\n2. Obtaining Credit Without a Card. If you or someone you\nauthorize to use your Account signs a sales slip, obtains a Cash\nAdvance, or gives your Account number to make a Purchase or\nobtain a Cash Advance without presenting the Card (such as for\na mail order or a telephone purchase), the legal effect will be the\nsame as if the Card itself was used by you.\n3. Credits for Refunds. If you obtain a refund, adjustment or\ncredit for a Purchase made with the Card, you will receive a\ncredit to your Account, not cash.\n4. Return of Cards. We have the right to repossess at any time\nthe Card that we give you. You agree to surrender it at our\nrequest.\n5. Obligations on Your Account. You authorize us to pay and\ncharge your Account for all Balance Transfers, Purchases and\nCash Advances resulting from the use of the Card or your\nAccount. You agree to pay us for all of these Balance Transfers,\nPurchases and Cash Advances. You also agree to pay us the\nfinance charges that are assessed on your\n\naccount, and any other amounts that you owe us according to\nthe terms of this Agreement. Each person who signed the\napplication to open an Account with us or otherwise agrees is\nobligated to pay the full amount owed on it. We may require\nthat you pay the full amount without our first asking the other\nperson(s) to pay.\nWe are not obligated to authorize a transaction using your\nCard or your Account if (1) your credit line has been\nexceeded or would be exceeded by the transaction; (2) you\nhave failed to pay amounts owed to us when due or have\nfailed to follow any of the terms of this Agreement; (3) you\nhave notified us or we have determined that the Card has or\nmay have been lost or stolen or that there may be\nunauthorized access to your Account; or (4) you are in\ndefault or your rights under this Agreement have expired or\nbeen revoked.\n6. Your Credit Line. Your credit line is shown on the\nfolder containing your Card and/or on each monthly periodic\nstatement. You agree not to make any Balance Transfers,\nPurchases or obtain any Cash Advances that would make the\nunpaid balance of your Account exceed this limit. If you do,\nwe may demand that you pay the excess and you agree to pay\nit immediately. You also agree that we may change or cancel\nyour credit line at any time without prior notice and without\naffecting your obligation to pay amounts that you owe under\nthis Agreement. Any such change or cancellation may result\nfrom our periodic review of the performance on your\nAccount and/or consumer credit reports we may obtain from\nconsumer reporting agencies.\n7. Periodic Statement. All accounts will receive monthly\nstatements except those noted below. Accounts with a zero\nbalance and no activity will not receive a statement. An\naccount with a credit balance over $1.00 will receive 6\nstatements reflecting this balance. An account with a balance\n(positive or negative, excluding unpaid finance charges) of\nless than $1.00 will receive one statement reflecting this\nbalance. You agree to notify us if you do not receive any\nparticular statement.\n8. Payments on Your Account. All payments must be\nmade by check or money order payable in US dollars and\ndelivered or mailed to us at the address indicated on your\nperiodic statement. Any such payment may be returned\nwithout applying it to your Account for\n\n\x0creasons including that it is postdated, incomplete, the numeric\namount is different than the written amount or it is not made\npayable as indicated on your periodic statement. We may, but\nare not obligated to, accept any payment that is not drawn on\nthe US Post Office or a financial institution located in the United\nStates. We can accept late or partial payments and payments\nthat are marked with restrictive endorsements such as \xe2\x80\x9cpayment\nin full,\xe2\x80\x9d without losing any of our rights.\n9. Minimum Monthly Payment. Each month, you may pay all\nor any part of your balance, except you must pay us at least your\nminimum payment by the due date of the payment. Your\nmonthly payment is three percent (3%) of the outstanding\nbalance of your Account with a minimum payment of $25.00\nplus, at our option, any amount you owe in excess of your credit\nline, plus any amounts past due.\n10. Application of Payments. The amount of any payment on\nyour Account will be applied in the following order: Cash\nAdvance Finance Charges, Retail Purchases Finance Charges,\nCash Advance Fees Billed, Retail Purchase Fees Billed, Cash\nAdvance Minimum Payment Due, Retail Purchase Minimum\nPayment Due, Cash Advance Previous Balance, Retail Purchases\nPrevious Balance, New Cash Advance Activity, New Retail\nPurchase Activity, Cash Advance Unbilled Fees and Retail\nPurchases Unbilled Fees.\n11. Credit Balances and Overpayments. If we accept a\npayment for an amount in excess of your outstanding balance,\nyour available credit line will not be increased by the amount of\nsuch overpayment nor shall we be required to authorize\ntransactions for an amount in excess of your assigned credit line.\nIf there is a credit balance on your Account or you make an\noverpayment which creates a credit balance, we will apply it to\nfuture amounts owed.\n12. Finance Charges. Finance charges on your Account will be\ndetermined by applying a periodic rate to an average daily\nbalance and assessing transaction fees. The circumstances under\nwhich these will be assessed and an explanation of how they are\ndetermined are described below.\nFinance Charges Determined by Periodic Rate. To compute this\nportion of the finance charge, an average daily balance is\ndetermined by dividing the sum of the daily balances during the\nbilling cycle by the number of days in the cycle. The average\ndaily balance is then multiplied by its monthly periodic rate. The\nresults of these calculations are then added together to determine\nthis portion of the finance charge.\nAverage Daily Balance. The average daily balance is\ndetermined by dividing the sum of the daily balances during the\nbilling cycle by the number of days in the cycle.\nAnnual Percentage Rates. The Annual Percentage Rate is fixed\nat 12% on purchases and 15% on Cash Advances\nFinance Charges Accrual and Grace Period. To avoid\nincurring an additional Finance Charge on the balance of Credit\nPurchases and on any new Credit Purchases appearing on your\nnext statement, you must pay the New Balance shown on the\nstatement on or before the Payment Due Date. The Finance\nCharge for a billing cycle are computed by applying the monthly\nPeriodic Rate to the average daily balance of Credit Purchases\nwhich is determined by dividing the sum of the sum of the daily\nbalances during the billing cycle by the number of days in the\ncycle. Each daily balance is determined by adding to the\nPrevious Balance of Credit Purchases any new Credit Purchases\nposted to your account and subtracting any payments as received\nand credits as posted\n\nto your account, but excluding any unpaid Finance Charges.\nSubject to the above, the grace period for the New Balance of\nCredit Purchases extends to the Payment Due Date. To avoid\nincurring an additional Finance Charge on the balance of\nCash Advances you must pay the New Balance shown on the\nstatement on or before the Payment Due Date. The Finance\nCharges for a billing cycle are computed by applying the\nmonthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the\ndaily balances during the billing cycle by the number of days\nin the cycle. Each daily balance of Cash Advances is\ndetermined by dividing the sum of the daily balances during\nthe billing cycle by the number of days in the cycle. Each\ndaily balance of Cash Advances is determined by adding to\nthe Previous Balance of Cash Advances, any new Cash\nAdvances as of the transaction date or the date or the first day\nof the billing cycle in which is posted, whichever is later, and\nsubtracting any payments as received and credit as posted to\nyour account, but excluding any unpaid Finance Charges.\nSubject to the above, no grace period is provided on Cash\nAdvances.\n13. Other Charges.\nLate Payment Charges. For any minimum monthly periodic\npayment which is not paid within 10 days after the closing\ndate subsequent to the payment due date as shown on your\nperiodic statement, you may be charged and you agree to pay\nus, late payment charge is $20.00\nCash Advance Fee: For each Cash Advance we assess a\nCash Advance fee of 3%, with a minimum charge of $10.00\nand a maximum charge of $50.00.\nOn Business Accounts a $20 over limit fee may be assessed if\nthe balance is 5% above extended credit.\nCollection Costs and Attorneys\xe2\x80\x99 Fees. As permitted by\napplicable law, you agree to pay all court and other\nreasonable costs of collection actually incurred by us in the\ncollection of any amounts you owe us under this Agreement\nin the event we refer your Account after it is in default to an\nattorney who is not our salaried employee to collect such\namounts. In no event shall the costs charged exceed any legal\nlimitations.\n14. Default. Your Account will be in default and we can\nrequire that the outstanding balance be paid (a right of\nacceleration), if (1) you exceed the credit limit in effect on\nyour Account; (2) you fail to pay any amount owed under this\nAgreement when due; or (3) your ability to pay us is\nmaterially impaired (including, but not limited to, bankruptcy\nor insolvency proceedings that are initiated by or against\nyou). We do not have to notify you or demand payment in\norder to take this action, unless applicable law requires that\nwe give you a notice of a right to cure your default. Your\nAccount will not be accelerated in the event of default if not\npermitted by state law.\n15. Cancellation. We can at any time without prior notice\ncancel your privileges under this Agreement (and we can list\nyour Card in warning bulletins). We\nWill notify you of a cancellation. You agree that you will not\ntry to make any Purchase or Balance Transfer or obtain any\nCash Advance after you have been notified that your\nprivilege to use the Card has been canceled. You may cancel\nyour Account at any time by notifying us and cutting all\nCards issued on your Account in half. You will remain liable\n\n\x0cfor any charges made to your Account (by you, a joint Account\ncardholder, or anyone to whom you have lent, given, or had\nissued a Card on your Account) prior to your cutting all Cards in\nhalf and notifying us of the cancellation. For any cancellation of\nyour Account, we can require that you return to us all Cards\nissued on your Account.\n16. Demand of Payment\nIf you are an insider, pursuant to Federal law, and\nnotwithstanding any other provision of the Note or Credit\nAgreement, this extension of credit will become due and\npayable at the option of the Lender at any time Borrower\nbecomes indebted to any and all other banks in an aggregate\namount greater than the amount the borrower would be\npermitted to borrow under the provisions in the federal statues\ngoverning loans to insiders.\n17. No Security Interest. If you now or in the future have\nother loans from us, collateral securing those other loans will\nalso secure your obligations under this Agreement except for\nyour household goods and your primary dwelling, and except as\notherwise prohibited by law.\n18. Credit Reporting. You agree that a consumer credit report\nmay be requested periodically from one or more consumer\nreporting agencies and used in connection with your application\nand any update, renewal or extension of credit on your Account.\nIf you request, you will be informed whether any consumer\nreport was requested and, if so, of the name and address of the\nconsumer reporting agency that furnished the report. You agree\nthat we may exchange credit information about you with others\nin connection with your application, your Account, and any\ncredit we extend to you.\n19. Foreign Currency Transactions. All payments by you will\nbe made in US dollars. Charges incurred in currencies other\nthan US dollars will be converted to US dollars at the rate in\neffect at the time such charges are converted by us or our agent\nor other authorized party making such conversion.\n20. Amendments to this Agreement. We can amend any of\nthe terms of this Agreement at any time, and we can set the\neffective date for any such amendment. We will provide you\nwith at least 30 days written notice to the address provided by\nyou for the mailing of your monthly statements. The new terms\nwill affect all outstanding balances to the extent allowed by law.\n21. When this Agreement becomes Effective. This agreement\nbecomes effective upon our approval of your account.\n22. Delayed Enforcement; Severability. We may delay\nenforcing our rights under this Agreement without losing any of\nthem. The invalidity of any provisions of this Agreement shall\nnot affect the validity of any other provision.\n23. Applicable Law. The laws of the United States and the\nState of Washington apply to this Agreement and to your use of\nthe Card and your Account.\n\n24. Inquiries or questions. You may address any billing\nerrors, inquiries or questions which you have about your\nAccount to:\nCustomer Service\nPO Box 30310\nTampa Florida 33630\nor you may call us at 425-263-3500. If you telephone instead\nof writing, you may lose certain rights the law gives you to\ndispute billing errors.\n25. Liability for Unauthorized Use. You may be liable for\nthe unauthorized use of your Card. You will not be liable for\nunauthorized use that occurs after you notify Mountain\nPacific Bank by writing to us at the above address or calling\nus at the above number, and notifying us of the loss, theft, or\npossible unauthorized use of your Card. In any case, your\nliability for unauthorized use will not exceed $50.00. You\nagree that anyone who is issued a Card for your Account (or\nanyone to whom you lend or give your Card) is authorized to\nmake charges to your Account\nto the same extent as you and that such authority cannot be\nlimited by you. Such authority will continue until you revoke\nit by notifying us, obtaining the Card in your physical\npossession, and if it is a Card issued to an authorized user, by\nalso cutting it in half and canceling the card in writing.\nAnnual Membership Fees. Your account is a VISA\nPlatinum, the annual membership fee is $20. This fee may be\nwaived if you have a qualifying banking package of services\nwith Mountain Pacific Bank. This may also be waived if\nannual purchases exceed $500 or when card is used for\npurchases at least 12 times during the year.\nReplacement Card. You may notify us in the event you\nrequest a replacement Card.\n26. Disclaimer of Liability. We offer the Card, the Account\nand related services in our own interests and disclaim any\nduty or responsibility other than those expressly set forth in\nthis Agreement.\nNotices. All notices required to be given by us in connection\nwith your Account shall be deemed to have been delivered on\nthe day when they are deposited in the U.S. Mail.\n27. VISA Rules and Regulations; Conflicts. Cardholder\nand Issuer agree to abide by all applicable rules and\nregulations of VISA USA Inc (VISA) as applicable as well\nas all applicable laws and changes to them. If there is any\nconflict between the provisions of this Agreement and the\nrules and obligations of VISA, the rules and regulations of\nVISA shall control. In order to continue to provide these\nservices, Visa cards may not be used for any illegal\ntransactions.\n\n\x0c'


b'INTEREST RATE AND INTEREST CHARGES\nAnnual Percentage Rate(APR) for\nPurchases\n\n16.90%\n\nAPR for Cash Advances\n\n16.90%\n\nStandard APR based on your credit worthiness.\n\nStandard APR based on your credit worthiness.\nPaying Interest\n\nWe will not charge you any interest on purchases if you pay your entire balance by the due date\neach month.\nThe Interest Charge on cash advances begins from the date you obtained the cash advance.\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $0.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Fees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Line\n\xe2\x80\xa2 Returned Payment\n\nUp to $10\nNone\nNone\n1.0% of each transaction in U.S. dollars.\n\nUp to $50\nNone\nNone\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nLoss of Introductory APR: N/A\n\n\x0cCache Valley Bank- Card Regulations\nDISCLOSURES REQUIRED BY FED ERAL LAW\n1. FINANCE CHARGES\na) CALCULATION METHOD S: Cash Advance-Method A, Credit Purchases-Method G (See\nPeriodic Fin ance Charge Calculation Methods)\nb) Periodic Rates and Corresponding Annual Percentage Rates used to compute Fin ance\nCharges are disclosed in the accompanying term disclosure.\nC) CASH ADVANCE FEES: None. For each ATM Cash Advance, a transaction fee may also be\nimposed by an ATM operator, not holding your account, or by any national, regional or local\nnetwork used to complete a Cash Advance transaction.\n2, OVER LIMIT CHARGES. None. Cardholder shall immediately pay the amount by which the\ntotal New Balance exceeds the maximum authorized credit.\n3. ANNUAL FEE.\na) A non-refundable Annual Fee of $10.00 plus applicable taxes, shall be charged to your\naccount or\nb) Using Plan 3 (see Section 11) an annual fee shall be charged unless for the time period\nanalyzed, you had 3 or more transactions on your card.\n4. MINIMUM PAYMENT\na) The minimum payment required is the New Balance shown on your statement if the amount is\nequal to or less than $20.00\nb) If the New Balance exceeds $20.00, the minimum payment is 5% of that portion of the new\nbalance which does not exceed your credit limit (rounded up to the nearest dollar ) or $20.00,\nwhichever is greater, plus the portion of the New Balance in excess of your credit limit, plus any\namount past due.\n5. LATE CHARGES: If the minimu m required payment is not received within 25 days after the\nClosing Date subsequent to the payment Due Date, a late charge equal to the greater of $2.00,\nor 5% of the unpaid portion of the past due amount is imposed, but not to exceed $50.00.\n6. The only FINANCE CHARGES assessed on your account other than those assessed by a\nperiodic rate will be transaction FINANCE CHARGES in connection with Cash Advances or\nInternational Transaction Fees (i.e. cross-border and/or currency conversion fees) or up to 1%,\nwhich may qualify as a FINANCE CHARGE (See item O), if part of your plan. Transactions\nFINANCE CH ARGES for each Cash Advance will be imposed on the date the Cash Advance\nwas posted to your account. No grace period applies on any transaction FINANCE CHARGE\nimposed for Cash Advances.\n7. Documentary stamp taxes as may be required by law shall be imposed on each Cash\nAdvance at the time the loan is made.\n8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE\nCHARGES, unless prohibited by law.\n9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any\ncharge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent,\nwhichever is less. No more than one over limit charge may be assessed within a single monthly\nbilling cycle.\n10. If you have other loans or credit ex tensions from Issuer, or take out other loans or credit\nextensions with issuer in the future, collateral securing those loans or credit extensions will also\nsecure your obligations under this agreement. However, unless you expressly agree otherwise,\nyour household goods and dwelling will not secure your obligations under this agreement even if\nIssuer has, or later acquires, a security interest in the household goods or a mortgage on the\ndwelling. If you have executed a written agreement granting a security interest in any deposit\naccounts (checking , savings, or share accounts) or other funds held by Issuer to secure your\nobligations under this credit card plan, such accounts and/or funds are additional security for\nyour obligations to Issuer arising from the use of your card.\n11. Annual Fee Plans: Your Annual Fee waiver analysis under the Plan noted in Section 3 b.\nonly includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances;\nPlan 3: Net Sales; Plan 4: Net Cash Advances; Plan 5: Gross Sales plus Gross Cash Advance;\nPlan 6: Net Sales plus Net Cah Advances (Note: Time period analyzed shall be prior 12 month\nperiod; however, initial time period may be less than 12 months as it begins on the date you were\nnotified of this program. Annual Fees shall not be waived for cardholders in default)\n\nPERIODIC FINANCE CH ARGE CALCULATION METHOD S\nThe periodic Finance Charge Calculation Method applicable to your account for Cash Advances\nand Credit Purchases of goods and serves that you obtain through the use of your Card is\nspecified in Section 1 on the Disclo sure and explained below:\nMETHOD A-Average Daily Balance (including current transactions). The Finance Charge on\npurchases begins from the date the transaction is posted to your account and the Fin ance\nCharge on cash advances begins from the date your obtained the cash advance, or the first day\nof the billing cycle in which it is posted to your account, whichever is later. There is no grace\nperiod. The Finance Charges for a billing cycle are computed by applying the monthly Periodic\nRate to the "average daily balance" of your account. To get the average daily balance, we take\nthe beginning balance of your account each day, add any new purchases of cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us\nthe daily balance. Then we add up all the daily balances for the billing cycle and divide the total\nby the number of days in the billing cycle.\nMETHOD E-Average Daily Balance (excluding current transactions). To avoid incurring an\nadditional Fin ance Charge on the balance of purchases (and cash advances if Method E is\n\nspecified as applicable to cash advances) reflected on your monthly statement, you must pay the New\nBalance shown on your monthly statement on or before the Payment Due Date. The grace period for\nthe New Balance of purchases extends to 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 purchases\n(and if applicable, cash advances). To get the average daily balance, we take the beginning balance\nof your account each day and subtract any payments, credits, non-accruing fees, and unpaid finance\ncharges. We do not add in new purchases or cash advances. This gives us the daily balance. Then\nwe add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle.\nMETHOD F-Average Daily Balance (including current transactions) To avoid incurring an additional\nFinance Charge on the beginning balance of cash advances (and purchases, if Method F is specified\nas applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance\nshown on your monthly statement on or before the Payment Due Date. No grace period is provided for\ncurrent cycle transactions. The Finance Charges for a billing cycle are computed by applying the\nmonthly Periodic Rate to the "average daily balance" of cash advances (and if applicable, purchases).\nTo get the average daily balance, we take the beginning balance of your account each day, add any\nnew purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid\nfinance charges. This gives us the daily balance. Then we a dd up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing cycle.\nMETHOD G-Average daily Balance (including current transactions). To avoid incurring an additional\nFinance Charge on the balance of purchases (and cash advances, if Method G is specified as\napplicable to cash advances) reflected on your monthly statement and, on any new purchases (and if\napplicable, cash advances) appearing on your next monthly statement, you must pay the New\nBalance, shown on your monthly statement, on or before the Payment Due Date. The grace period for\nthe New Balance of purchases extends to 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 purchases\n(and if applicable, cash advances). To get the average daily balance, we take the beginning balance\nof your account each day, add any new purchases or cash advances, and subtract any payments,\ncredits, non-accruing fees, and unpaid finance charges. This gives us the daily balance, Then we add\nup all the daily balances for the billing cycle and divide the total by the number of days in the billing\ncycle.\nTER MS GOVERNING THE U SE OF YOUR C ARD\nThe person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed\nherewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the\nsame account number, by signing or using said Card, receipt of which is acknowledged, agrees with\nthe Issuer of the Card whose name is printed above ("Issuer") as follows:\nA. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by\nCardholder from any retail Business establishment ("seller") who honors same upon the execution of a\nsales slip evidencing such Credit Purchases and bearing the account number of Cardholder\nembossed on the face of such Card. Additionally, VISA Cash Advances ("loans") may be obtained\nthrough use of such Card (a) upon execution of a written request of Cardholder in a form furnished to\nCardholder from any financial institution that is a member, alone or in association with others, of VISA\nU.S.A. Inc. and (b) upon execution of a written separate agreement with issuer for a VISA overdraft\nfinancing agreement if offered by Issuer.\nB. Cardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans\nextended to, Cardholder or anyone else using such Card unless the use of such Card is by a person\nother than the Cardholder (a) who does not have actual, implied or apparent authority for such use,\nand (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and\nseverally liable and agrees to pay for all Credit Purchases and Loans obtained through the use o f any\nother Card bearing Cardholder\'s account number that has been issued to another person by reason of\nsuch person being a member of Cardholder\'s family, or otherwise issued upon Cardholder\'s request\n(all such Cards bearing the VISA account number hereinafter collectively called ("Related Cards")\nC. Cardholder agrees to pay to Issuer an annual membership fee (as stated in this Disclosure) for\nparticipation in the issuer\'s credit card plan. Such annual membership fee shall be imposed whether or\nnot Cardholders uses the card to obtain credit purchases and loans. The membership fee shall be\ncharged to Cardholder\'s account each year in the month of Issuer\'s choice. The membership fee is not\nrefundable in the event of termination of the account by either Cardh older or Issuer unless otherwise\nprovided by law.\nD. Each card is the property of the Issuer, is not transferable and must be surrendered upon demand.\nIt can be canceled as well as repossessed by Issuer or its designee and the privileges thereof revoked\nat any time without prior notice.\nE. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or\nLoans, which will increase Cardholder\'s indebtedness to Issuer to an amount in excess of the limit\nestablished by Issuer.\nF. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing\nFinancial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash\nAdvancing Fin ancial Institution to honor the Card or any Related Card. Any refund, adjustment or\ncredit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be\nshown as a credit on Cardholder\'s account statement with Issuer.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for\nthe prior monthly period all VISA Card and Related Card Transactions. Such statement shall be\ndeemed correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified\nto the contrary in writing with 60 days of mailing of such statement. Cardholder will pay such statement\n\n\x0cby remitting to issuer within 25 days of the closing date reflected on the statement either the full\namount billed or, at Cardholder\'s option, an installment equal to a least the required minimum\npayment stated in Section 4.\nH. Interest on Loans and Credit Purchases will be charged in accordance with the finance\ncharge calculation method referred to in Section 1 of the disclosures on the reverse side. The\nrate of interest shall be established by Issuer from time to time but shall never er exceed the\nmaximum rate permitted by law. The current interest rate per annum is the Annual Percentage\nRate set forth in Section 1 of the Disclosure.\nI. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any\npayment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment\nproceedings are initiated against Cardholder or his property, Issuer may elect to declare all\namounts then owed to Issuer to be immediately due and payable without notice or demand of\nany kind. If Cardholder has other loans from issuer, or takes out other loans with Issuer in the\nfuture, collateral securing those loans will also secure the Cardhold er\'s obligations under this\nagreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder\'s\nhousehold goods and dwelling will not secure Cardholder\'s obligations under this agreement\neven if Issuer has or later acquires a security interest in the household goods or a mortgage on\nthe dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder\'s\nindebtedness or in enforcing this agreement, including reasonable attorney\'s fees and also those\ncosts, expenses and attorney\'s fees incurred in appellate, bankruptcy and post-judgment\nproceedings, except to the extent such costs, fees, or expenses are prohibited by law.\nJ. This agreement may be amended from time to time by issuer by written notice mailed to\nCardholder at Cardholder\'s last known address\nK. Except to the extent that Federal Law is applicable, the validity, construction and enforcement\nof this agreement and all matters arising out of the issuance and use of the Card shall be\ngoverned by the laws of the state in which the principal office of issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check\nnot honored by your financial institution, request a copy of a document, request a replacement\ncard of use your card for a transaction at an automated teller machine, if such charges are not\nprohibited by law or regulation. No finance Charge will be assessed on such additional charges.\nM. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the\nCardholder shall contact Issuer AT ONCE in order to minimize possible losses. In most cases,\nthe Cardholder will not be liable for any unauthorized transactions unless it is determined that the\n\nCardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made\norally or in writing at:\nCredit Card Security Department\nP.O. Box 30035\nTampa, Florida 33630\nTelephone Number\n(727) 570-4881\nN. Cardholder agrees that Issuer, its agents or service co mpanies may monitor and/or record any\ntelephone communications with Cardholder.\nO. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If\nCardholder incurs charges in any other currency, the charges will be converted into U.. dollars. The\nexchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of\nrates available in wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives, or the government mandated rate in effect for the\napplicable central processing date. All transactions in foreign countries will be subject to a 1%\nconversion or processing fee.\nP. Issuer shall have sole discretion in how payments are applied to cardholder\'s account. Issuer may\naccept checks marked "Payment in Full" or with words of similar effect without losing any of Issuer\'s\nrights to collect the full balance of Cardholder\'s account.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder\'s\ncredit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional\ninformation, request credit bureau reports and/or otherwise verify Cardholder\'s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus,\nregarding the status and history of Cardholder\'s account. However, Issuer is not obligated to release\nany such information to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\'s account shall be subject to all applicable rules and regulations\nof VISA U.S.A Inc., as applicable, as well as all applicable laws. If there is any conflict between the\nprovisions of this Agreement and the rules and regulations of VISA U.S.A. Inc., the rules and\nregulations of VISA U.S.A. Inc shall control. Your Visa Card may not be used for any illegal\ntransactions.\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM/VISA GOLD/VISA CLASSIC\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n7.90%\nVisa Gold\n\n8.90%\nVisa Classic\n\n9.90%\nAPR for Balance Transfers\n\nVisa Platinum\n8.90%\nVisa Gold\n9.90%\n\nAPR for Cash Advances\n\nVisa Classic\n10.90%\nVisa Platinum\n8.90%\nVisa Gold\n9.90%\nVisa Classic\n10.90%\n\nPenalty APR and When it Applies\n\nVisa Platinum\n14.90%\nVisa Gold\n14.90%\nVisa Classic\n14.90%\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\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC10-P-1-111517 (MXC101-E)\n\n\x0cFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\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\n1.00% of each transaction in U.S. dollars\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\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: November 20, 2017\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, Visa Gold and Visa Classic are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (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 one or more days late in making a\npayment.\nRush Fee:\n$70.00.\nStatement Copy Fee:\n$1.00.\nExpress Card Fee:\n$35.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC10-P-1-111517 (MXC101-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA CLASSIC\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n9.90%\n\nAPR for Cash Advances\n\n10.90%\n\nPenalty APR and When it Applies\n\n14.90%\n\n10.90%\n\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.\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\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\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC20-P-1-111517 (MXC201-E)\n\n\x0cPlease call us at (833) 746-6415 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nRush Fee:\n$70.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$1.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nExpress Card Fee:\n$35.00. Express card fee (rush card fee)\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 9.90% which is a daily periodic rate of 0.0275%.\nThe Balance Transfer APR is 10.90% which is a daily periodic rate of 0.0303%.\nThe Cash Advance APR is 10.90% which is a daily periodic rate of 0.0303%.\nThe Penalty Rate APR is 14.90% which is a daily periodic rate of 0.0414% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC20-P-1-111517 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA GOLD\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n8.90%\n\nAPR for Cash Advances\n\n9.90%\n\nPenalty APR and When it Applies\n\n14.90%\n\n9.90%\n\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.\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\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\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC20-P-1-111517 (MXC201-E)\n\n\x0cPlease call us at (833) 746-6415 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nRush Fee:\n$70.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$1.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nExpress Card Fee:\n$35.00. Express card fee (rush card fee)\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 8.90% which is a daily periodic rate of 0.0247%.\nThe Balance Transfer APR is 9.90% which is a daily periodic rate of 0.0275%.\nThe Cash Advance APR is 9.90% which is a daily periodic rate of 0.0275%.\nThe Penalty Rate APR is 14.90% which is a daily periodic rate of 0.0414% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03111048-MXC20-P-1-111517 (MXC201-E)\n\n\x0c'


b'VISA PLATINUM CREDIT CARD AGREEMENT\nISSUED BY: PITTSFORD FEDERAL CREDIT UNION\n\n(2/10)\n\nRetail Installment Credit Agreement\nNOTICE: See reverse side for important information regarding your right to dispute billing errors.\n1. AGREEMENT. This is an agreement between The Pittsford Federal Credit Union\n(sometimes referred to as \xe2\x80\x9cPFCU\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cwe\xe2\x80\x9d) and each applicant and/or co-applicant\n(referred to as \xe2\x80\x9cyou\xe2\x80\x9d) for a VISA account whose application is approved by PFCU. VISA\ncard(s) issued in connection with this account are referred to as \xe2\x80\x9ccard\xe2\x80\x9d. This Agreement\nwill not be effective with respect to the purchase or lease of property or services until you\nor a person authorized by you signs a sales slip or memorandum evidencing a purchase or\nlease of property or services by use of the card. If you authorize a merchant by electronic\nmeans (for example, through the Internet) or by telephone to debit your credit card account\nto pay for the purchase or lease of property or services, your authorization will be considered\nyour signature on a sales slip. This Agreement will not be effective with respect to cash\nadvances until you or someone you authorize signs an advance request, a convenience\ncheck or some other authorization for a cash advance or uses the card or your personal\nidentification number (PIN) at an automated teller machine (ATM) or other facility to obtain\na cash advance. Until this Agreement becomes effective, you will not be responsible for\nany purchase or lease of property or service or cash advances by use of the card after its\nloss or theft.\n2. USING THE CARD. Each card must be signed by the individual whose name is printed\non it. You may use the card and/or your card number and card expiration date to make\npurchases in person, by mail, electronically (through the Internet), or by telephone from\nmerchants and others who accept VISA cards. In addition you may obtain cash advances\nfrom PFCU, from other financial institutions participating in the VISA program, from ATMs\nthat provide access to the VISA system (not all ATMs provide such access) or by using\na convenience check which we send you for that purpose. You will need to use your PIN\nto obtain a cash advance from an ATM. You agree to pay all amounts charged by use of\nthe card, your card number or your PIN by you or anyone who is authorized by you to use\nyour account, plus other charges provided in this Agreement. For security purposes, you\nagree not to write your PIN on the card itself.\nNO USE FOR ILLEGAL TRANSACTIONS. You agree not to use your card or your card\nnumber for any illegal transactions, such as unlawful gambling. We may assume, without\nany further inquiry, that all transactions made by you or someone authorized by you using\nthe card or the card number are legal, even if we have actual or imputed knowledge of\ninformation that might reasonably lead us to question whether a particular transaction is\nlegal.\n3. RESPONSIBILITY AND OTHERS USING YOUR ACCOUNT. Your obligation to pay\nthe amount owed on your account continues until paid in full even though an agreement,\ndivorce decree or other court judgment to which PFCU is not a party may direct someone\nelse to pay the account balance. Each is individually responsible for all amounts on the\naccount and all are jointly responsible for all amounts owed. This means PFCU can enforce\nthis Agreement against any of you individually or all of you together.\n4. CONVENIENCE CHECKS. We offer Convenience Checks as an optional means\nto purchase or lease goods or services or to obtain cash. Convenience Checks may\nnot be used to make payments on your PFCU VISA account. Convenience Checks will\nbe posted to your account as a cash advance and Finance Charges and fees will be\nassessed as described in Section 8. We will not certify a Convenience Check. We are\nnot required to honor a Convenience Check and will not be responsible for returning it\nunpaid if (1) You do not have enough available credit on your account, (2) Your account\nhas expired or your right to use your account has been suspended or canceled by us, (3)\nYour card or Convenience Checks have been reported lost/stolen, (4) Your Convenience\nCheck is postdated (shows a future date), or (5) You are in default under this Agreement.\nIn the event that we do not honor a Convenience Check presented to us for payment, it\nwill be returned to the payee and we will charge your account a Returned Check fee of\n$20. If we do honor a Convenience Check when we are not required to do so, it will be\nconsidered a cash advance and you will be responsible for repaying it under the terms of\nthis Agreement.\nSTOPPING PAYMENT OF A CONVENIENCE CHECK. You may ask us to stop payment\nof a convenience check by calling us at (800) 836-8010. Your stop payment request\nwill only be effective for 14 days from the date of your call unless within that 14 days you\nconfirm it in writing, signed by you, describing with certainty the convenience check to be\nstopped and sent to us at P.O. Box 726, Mendon, New York 14506. Even if you do that, we\nmay disregard your stop payment request starting six months after we receive it unless\nyou renew that request in writing to us before the end of that six month period. We will use\ncommercially reasonable efforts to stop payment on your convenience check. However,\nyou agree that we will not be responsible in any way if the convenience check that you\nhave requested us to stop payment on is cashed or otherwise presented for payment and,\nusing commercially reasonable efforts, we are unable to stop payment.\n5. CREDIT LIMIT. Your credit limit will be displayed on each Monthly Statement. You\nmay not allow the balance of your account to exceed the credit limit which is approved\nby PFCU. If on your request we, at our discretion, make advances from your account in\nexcess of your credit limit, our doing so will not change the amount of your credit limit, the\nadvances are still subject to the provisions of this Agreement, and you will be required to\nrepay any outstanding amounts which exceed your credit limit immediately on our demand.\nEach payment you make on the account will restore your credit limit by the amount of the\npayment which is applied to the principal amount of purchases and cash advances. You\nmay request an increase in your credit limit. We have the right to increase or decrease your\ncredit limit or to terminate your borrowing privileges at any time without advance notice to\nyou.\n6. MONTHLY PAYMENT. Each month you must pay at least the minimum payment\nshown on your statement within at least 28 days of the statement closing date. The\nminimum periodic payment required is the total New Balance as shown on your monthly\nbilling statement if the amount is under $10.00. If the New Balance exceeds $10.00, the\nminimum periodic payment is 3.00% of that portion of the New Balance which does not\nexceed your credit limit, plus the entire portion of the New Balance in excess of your credit\nlimit, plus any amount past due, or $10.00, whichever is greater. You may at any time pay\nmore than the minimum amount due or even the total new balance shown on your\nmonthly statement. The sooner you pay your new balance, the less you will have to pay\nin FINANCE CHARGES.\n7. STATEMENTS AND NOTICES. Statements and notices will be mailed to you at\nthe most recent address you have given to PFCU. Notice sent to any one of you will be\nconsidered notice to all.\n8. FINANCE CHARGES.\nPurchases \xe2\x80\x93 You can avoid paying a FINANCE CHARGE on current billing cycle\npurchases (those itemized on your statement) if: (i) you pay for the current billing cycle\npurchases by the due date appearing on the statement; and (ii) the statement shows no\nprevious balance for purchases or you paid the previous balance for purchases in full by\n\nthe due date shown on the previous statement. We figure the FINANCE CHARGE on your\npurchases by applying the daily periodic rate to the "average daily balance." To get the\n"average daily balance", we take the beginning principal balance of this account each day,\nadd any new purchases, and subtract any payments or credits applied to this principal\nbalance as well as unpaid finance charges. This gives us the daily balance. We then add\nup all the daily balance for the billing period and divide the total by the number of days in\nthe billing period. This gives us the "average daily balance."\nTherefore, the FINANCE CHARGE for the billing period is the (average daily balance) X\n(the daily periodic rate) X (the number of days in the billing period).\nCash Advances \xe2\x80\x93 A FINANCE CHARGE will be added to your cash advance account\nfrom the date of each cash advance transaction, unless we elect to accrue FINANCE\nCHARGE from a later date. We figure the FINANCE CHARGE on your cash advances\nby applying the daily periodic rate to the "average daily balance" of your cash advance\naccount (including current transactions). To get the "average daily balance", we take the\nbeginning principal balance of this account each day, add any new cash advances, and\nsubtract any payments or credits applied to this principal balance as well as unpaid finance\ncharges. This gives us the daily balance. We then add up all the daily balance for the\nbilling period and divide the total by the number of days in the billing period. This gives\nus the "average daily balance".\nTherefore, the FINANCE CHARGE for the billing period is the (average daily balance) X\n(the daily periodic rate) X (the number of days in the billing period).\nTherefore, the TOTAL FINANCE CHARGE for the billing period is (the FINANCE CHARGE\nfor purchases) + (the FINANCE CHARGE for cash advances).\n9. IRREGULAR PAYMENTS. We may accept late payments, partial payments, or\nitems marked \xe2\x80\x9cpayment in full\xe2\x80\x9d of the like without losing any of our rights under this\nAgreement.\n10. DELAY IN ENFORCEMENT. We may delay enforcing our rights under this Agreement\nwithout losing them.\n11. APPLICATION OF PAYMENTS. We may apply all payments and credits in accordance\nwith our standard operating procedures and with the requirements of applicable law.\nPayment application occurs in the following order: (1) All Finance Charges and billed\nfees; (2) All purchases; (3) All cash advances.\n12. DEFAULT AND COLLECTION COSTS. Nearly all of our accounts are transacted in\na normal way. However, we have the following rights:\n(a) Default. You will be in default on this account if: (i) you fail to make a required payment\non time; (ii) you fail to perform any other obligation to us, or any representation you make\nproves to be untrue; (iii) you die or become the subject of a proceeding in bankruptcy; or\n(iv) any third party attempts by legal process to take any money or other property of yours\nin our possession. (v) if we reasonably believe you will not be able to repay us for any\nreason. If more than one person is liable for the amounts owed under this Agreement, a\ndefault that occurs with respect to one of you will constitute a default for all of\nyou.\n(b) Responses to Default. Upon default we may without notice cancel the account and\nrequire immediate payment of all or any part of the balance due. We may also exercise\nany of our other legal rights.\nIf you have other loans from us, or take out other loans with us in the future, collateral\nsecuring those loans will also secure your obligations under this agreement. However,\nunless you expressly agree otherwise, your primary dwelling will not secure your obligations\nunder this agreement even if we have or later acquire a mortgage on the dwelling.\nIf you have executed a written agreement granting a security interest in any deposit\naccounts (checking, savings, or share accounts) or other funds held by us to secure your\nobligations under this credit card plan, such accounts and/or funds are additional security\nfor your obligations to us arising from the use of your Card.\n(c) Attorney\'s Fees. In event of suit to collect unpaid balances, all costs, including attorney\'s\nfees of 25% of the balance due, or such greater amount as may be reasonable and just,\nand also those costs, expenses, and attorney\'s fees incurred in appellate, bankruptcy,\nand post-judgment proceedings, shall be imposed.\n13. NOTICE STATUTORY LIEN. Under the Federal Credit Union Act (12 U.S.C. Section\n1757 (11)), Pittsford FCU has the right to impress and enforce a statutory lien against your\nshares and dividends in the event of your failure to satisfy a financial obligation to us. We\nmay enforce that right by applying the balance of shares and dividends in your account(s)\nat the time of that default in order to satisfy your VISA obligation. We may exercise this right\nwithout further notice to you. However, shares that you have in any account that would\nlose special tax treatment under any law, if subject to this interest, are excluded from this\ninterest.\n14. CANCELLATION. We may reduce your credit limit or cancel the account altogether,\nwithout notice to you. Unless you are in default, we will give you notice of any such reduction\nor cancellation. We may also cancel your account by not sending you a renewal card\nupon expiration of your outstanding card. You may cancel your account only by notifying\nus to that effect and delivering the card(s) to us (cut in half).\n15. SECURITY INTEREST. To secure your account, you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you purchase through\nthe account. If you default, we will have the right to recover any of these goods which\nhave not been paid for through our application of your payments in the manner described\nin section 11.\n16. CREDIT INFORMATION. You will authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account. We may release information to others such\nas credit reporting agencies and other creditors about our experience with your account.\nWe may obtain a credit report on you at any time in the future to review your account.\nUpon request, we will tell you whether a consumer report was requested and the name\nand address of the agency that furnished it.\n17. MONTHLY STATEMENT. If you have a balance in your account at the end of your\nbilling period, we will send you a statement. It will show your total purchases and cash\nadvances for the billing cycle, the finance charge, the minimum payment due, and the\ndate the payment is due. The statement will be sent to you at least 21 days before the\ndate that your payment is due.\n18. LOST OR STOLEN CARDS. In no event will you be liable for unauthorized use that\noccurs after you notify us of the loss, theft or possible unauthorized use. In any case, your\nliability will not exceed $50.\n\n\x0cUnder VISA\'s Zero Liability Policy, you have liability protection for all of your card transactions\nthat take place on the VISA system unless you are guilty of gross negligence or fraud.\nShould someone steal your card or your card number or otherwise obtain and use your\ncard or your card number without your permission, you pay nothing for their activity unless\nyou, yourself, were grossly negligent or fraudulent. If you notice unauthorized activity on\nyour card, promptly contact PFCU to report it. It is important to continually monitor your\nmonthly statement to identify any unauthorized transactions. PFCU may impose greater\nliability on you if the credit union reasonably determines that the unauthorized transaction\nwas caused by your gross negligence or fraudulent action\xe2\x80\x94which may include your delay\nfor an unreasonable time in reporting unauthorized transactions. In any case, you must\nimmediately notify the credit union of loss, theft or unauthorized use of your card or your\ncard number. Notice of unauthorized use may originally be oral, but must be followed by\nwritten notice. Notice must be given to the Pittsford Federal Credit Union, P.O. Box 726,\nMendon, NY 14506 or initially by calling us at (800) 836-8010.\n19. EFFECT OF AGREEMENT. This Agreement is the contract which applies to all\ntransactions on your account even though the sales, cash advance, credit, or other slips\nyou sign or receive may contain different items. We may amend this Agreement from time\nto time by sending you advance written notice before the change is effective. To the extent\nthe law permits, and indicated in the notice to you, the change will apply to your existing\naccount balances as well as to future transactions. Either PFCU or you may terminate this\nAgreement at any time, but termination by you or PFCU will not affect your obligations. The\ncards your receive remain property of PFCU and you must recover and surrender to PFCU\nall cards upon request or upon termination of this Agreement whether by you or PFCU.\n20. RETURNS, CREDIT BALANCES, OVERPAYMENTS AND ADJUSTMENTS. Merchants\nand others who honor the Card may give credit for returns or adjustments, and they will\ndo so by sending us a credit slip which we will post to your account. If your credits and\npayments exceed what you owe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or, if it is $1 or more, refund it on your written request\nor automatically after 6 months.\n\n21. FEES. The following charges may be applied to your account, as applicable.\nAnnual Fee -- None.\nLate Fee -- None.\nOverlimit Fee -- None.\nCard Replacement Fee -- When you make a request to change the account number or\nreplace the credit card for any reason, including a lost or stolen card, you may be charged\na fee of $15.\nReturned Check Fee -- If any check submitted to us as a payment on the account is\nreturned to us for any reason, you may be charged a fee of $20.\nDocumentary Evidence Charges -- If you request documentary evidence of a transaction\non your account (for example, a copy of a sales draft), we may pass along to you the cost\nof us researching this evidence at a rate of $10 per hour. No such charge will be imposed\nunless the documentary evidence agrees with the transaction as previously reflected on your\nstatement. Further, no charge will be imposed for billing statement errors or inquiries.\n22. FOREIGN TRANSACTIONS. Purchases and cash advances made in foreign\ncountries and/or foreign currencies will be billed to you in U.S. Dollars. The exchange rate\nto dollars will be determined in accordance with the operating regulations established\nby VISA International from time to time. As of the date these disclosures were published,\nthose regulations establish the conversion rate as either the rate selected by VISA from\nthe range of rates available in wholesale currency markets; this may vary from the rate\nVISA itself receives, or the government-mandated rate in effect for the applicable central\nprocessing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or statement posting date.\nYou will be required to pay any International Service Assessment fee (ISA fee) or other fee\nthat VISA imposes on you or us in connection with the transaction. Transactions that occur\nin a foreign country and are processed in a foreign currency are subject to a 1.00% fee.\nTransactions that occur in a foreign country and are processed in U.S. dollars will be subject\nto a 0.80% ISA fee. Transactions conducted in U.S. military bases, territories, embassies,\nor consulates; and fund transfers conducted by the cardholder will not be subject to the\n0.80% ISA fee. A single foreign transaction will appear as two lines. There will be one\nline displaying the charge followed by a separate line displaying the international service\nassessment or other fee imposed by VISA.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us In Case of Errors or Questions About Your Bill\nIf you think your bill is wrong, or if you need more information about a\ntransaction on your bill, write us on a separate sheet at our address\nlisted on your bill. Write to us as soon as possible. We must receive\nyour letter no later than 60 days after we sent you the first bill on\nwhich the error or problem appeared. You can telephone us, but\ndoing so will not preserve your rights.\nIn your letter, give us the following information:\n\n\xe2\x80\xa2\n\nYour name and account number\nThe dollar amount of the suspected error\nDescribe the error and explain, if you can, why you believe\nthere is an error\nIf you need more information, describe the item you are not sure\nabout.\n\nIf you have authorized us to pay your credit card bill automatically\nfrom your savings or checking account, you can stop the payment\non any amount you think is wrong. To stop the payment, your letter\nmust reach us three business days before the automatic payment is\nscheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your\nWritten Notice\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount\nyou question, or report you as delinquent for that amount. We can\ncontinue to bill you for the amount you question, including finance\ncharges, and we can apply any unpaid amount against your credit\nlimit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your bill\nthat are not in question.\n\nIf we find that we made a mistake on your bill, you will not have to\npay any finance charges related to any questioned amount. If we\ndidn\'t make a mistake, you may have to pay finance charges, and\nyou will have to make up any missed payments on the questioned\namount. In either case, we will send you a statement of the amount\nyou owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you\nas delinquent. However, if our explanation does not satisfy you and\nyou write to us within ten days telling us that you still refuse to pay,\nwe must tell anyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we reported you\nto. We must tell anyone we report you to that the matter has been\nsettled between us when it finally is.\nIf we don\'t follow these rules, we can\'t collect the first $50 of the\nquestioned amount, even if your bill was correct.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that\nyou purchased with a credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the property or services.\nThere are two limitations on this right:\n(a) You must have made the purchase in you home state or, \t\t\nif not within your home state, within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or\nif we mailed you the advertisement for the property or services.\nSpecial Rule For New York Residents\nNew York Residents may contact the New York State Banking\nDepartment to obtain a comparative listing of credit card rates,\nfees, and grace periods. New York State Banking Department\n1-800-518-8866.\n\n(2/10)\n\n\x0c'