b'CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED VISA,\nPLATINUM REWARDS VISA, WSUAA AFFINITY VISA AND WSUAA AFFINITY REWARDS VISA, AGREEMENTS,\nAND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR FIRST TIME USER VISA, PLATINUM\nREWARDS VISA, WSUAA AFFINITY VISA, WSUAA AFFINITY REWARDS VISA, LOW RATE VISA AND SHARE\nSECURED VISA, CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO\nREAD THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nFirst Time User VISA:\n\n_________%\n17.99\n\nShare Secured VISA:\n\n12.50\n_________%\n\n6.25-14.25 %\n_________\n\nLow Rate VISA:\nYour APR will vary with the market based on the Prime Rate.\n\n_________\n9.25-17.25 %\n\nPlatinum Rewards VISA:\nYour APR will vary with the market based on the Prime Rate.\n\n_________\n6.25-14.25 %\n\nWSUAA Affinity VISA:\nYour APR will vary with the market based on the Prime Rate.\n\n_________\n9.25-17.25 %\n\nWSUAA Affinity Rewards VISA:\nYour APR will vary with the market based on the Prime Rate.\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\n17.99\nFirst Time User VISA: _________%\n\n12.50\nShare Secured VISA: _________%\n6.25-14.25 %\nLow Rate VISA: _________\nYour APR will vary with the market based on the Prime Rate.\n9.25-17.25 %\nPlatinum Rewards VISA: _________\nYour APR will vary with the market based on the Prime Rate.\n\n6.25-14.25 %\nWSUAA Affinity VISA: _________\nYour APR will vary with the market based on the Prime Rate.\n\n9.25-17.25 %\nWSUAA Affinity Rewards VISA: _________\nYour APR will vary with the market based on the Prime Rate.\nAnnual Percentage Rate\n(APR) For Cash Advances\n\n17.99\nFirst Time User VISA: _________%\n\n12.50\nShare Secured VISA: _________%\n\n6.25-14.25 %\nLow Rate VISA: _________\nYour APR will vary with the market based on the Prime Rate.\n9.25-17.25 %\nPlatinum Rewards VISA: _________\nYour APR will vary with the market based on the Prime Rate.\n6.25-14.25 %\nWSUAA Affinity VISA: _________\nYour APR will vary with the market based on the Prime Rate.\nWSUAA Affinity Rewards VISA: 9.25-17.25\n_________%\nYour APR will vary with the market based on the Prime Rate.\nReadyLine: max\n_________%\n17.90\n\n25.00\nStretch Pay\xc2\xae Line of Credit: _________%\nSEE PAGE 2 for more important information about Your Account\nCopyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved.\n\nPage 1 of 5\n\nOTBS 016 WRIT (9/20)\n\n\x0cInterest Rate and Interest Charges (continued)\nPaying Interest\n\nFor VISA We will not charge You interest on purchases if You pay Your entire balance owed\neach month within 25 days of Your statement closing date.\nFor all Feature Categories, We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nFor Credit Card Tips from\nthe Federal Reserve Board\n\nTo learn more about factors to consider when applying for or using a Credit Card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nFor StretchPay\xc2\xae Line of Credit, $25.00, $35.00 or $70.00 depending on Your approved\ncredit limit.\n\nTransaction Fees\n\xef\x82\xb7 Foreign Transaction\n\nFor VISA, 1.00% of each foreign currency transaction in U.S. Dollars.\nFor VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nFor VISA up to $25.00\nFor VISA up to $20.00\nExcept for VISA, 5.00% of the payment due\n\nHow We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance."\nFor VISA, We use a method called "average daily balance (including new purchases)." See Your Account Agreement\nfor details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nSEE PAGE 1 for more important information about Your Account\nInterest Rate and Interest Charges (continued)\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean WRIGHT-PATT CREDIT UNION, INC. The words "You" and "Your" mean each person\naccepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any First Time User VISA, Low Rate\nVISA, Share Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA or WSUAA Affinity Rewards VISA, Credit Card issued to You by Us and any duplicates or\nrenewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, Convenience\nChecks, Credit Cards and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to\nYour Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include ReadyLine, StretchPay\xc2\xae Line of Credit, First Time User VISA, Low Rate VISA, Share\nSecured VISA, Platinum Rewards VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA.\nADVANCES. Whenever You request a transaction, We may require You to prove\nYour identity. If You request an advance by telephone, We will deposit the amount\nrequested in Your share account or Your share draft account and You authorize Us\nto do this, or We may draw a draft or check made payable to You and mail it to You.\nWhen the amount advanced appears on a subsequent statement that will be\nconclusive evidence of Your telephone request. You understand that whether or not\nany specific secured advance request is approved may be determined by how much\nequity You have or will have in the shares and/or collateral offered as security.\nFor advances under Your StretchPay\xc2\xae Line of Credit Feature Category, all\nadvances must be equal to Your approved Credit Limit.\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We may\nset-off any mutual indebtedness.\nYou acknowledge that You own any shares and/or collateral pledged as security\nand that there are no other liens against them other than Ours. You agree to perform\nall acts which are necessary to make Our security interest in the shares and/or\ncollateral being pledged enforceable.\nCopyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved.\n\nAll certificates which are pledged as Collateral must be renewed until Your\noutstanding balance is paid in full. Failure to renew any certificates securing any\nadvance will cause Your entire outstanding Account balance to become\nimmediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will secure\nall amounts You owe Us now and in the future if that status is reflected in the "TruthIn-Lending Disclosure" in any particular Agreement evidencing such debt.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured\nVISA Feature Category, You agree to give Us a specific pledge of shares which will\nequal Your Credit Limit. In the event that You default on Your Account, We may\napply these shares toward the repayment of any amount owed on Your Share\nSecured VISA Category. You may cancel Your Share Secured VISA Account at any\ntime by paying any amounts owed on Your Secured VISA Feature Category. To be\ncertain that Your entire balance and all advances on Your Account are paid, any\nshares pledged may not be available to You for 30 days after You have cancelled\nand any outstanding balance is paid in full.\nIn order to receive and maintain a StretchPay\xc2\xae Line of Credit Feature Category, You\nagree to give Us a specific pledge of shares at the time of Your initial advance on\nYour StretchPay\xc2\xae Line of Credit, which will equal 10.00% of Your Credit Limit. The\nfunds required for this pledge will be deducted from the amount advanced and\ndeposited into Your share account. In the event that You default on Your\n\nPage 2 of 5\n\nOTBS 016 WRIT (9/20)\n\n\x0cStretchPay\xc2\xae Line of Credit Feature Category, We may apply these shares toward\nthe repayment of any amount owed on such Feature Category. The shares\noriginally pledged will be released upon Our termination and closure of such\nFeature Category although they may not be available to You for 30 days after any\noutstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand\nthat any such Account access device(s) will be mailed only to the primary Borrower\nat the address that We have on file for You. We may refuse to follow any instructions\nwhich run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance.\nYou may make larger payments without penalty. Any partial payment or\nprepayment will not delay Your next scheduled payment. All payments to Us must\nbe in lawful money of the United States. We may apply each payment to\nwhichever Feature Category We wish. For all Feature Categories (except VISA),\npayments will be applied first to any Late Charges owing, then to the Finance\nCharge due, then to the outstanding principal balance. Except as required by law,\nthe order in which We may apply VISA payments is at Our discretion. Any unpaid\nportion of the Finance Charge will be paid by subsequent payments and will not\nbe added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges\nand any acceleration in the repayment of Your unpaid balance will decrease Your\nperiodic Finance Charges.\nReadyLine Minimum Payments will be an amount equal to 3.00% of Your new\nunpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of\n$20.00 or Your balance, plus any portion of the Minimum Payments shown on prior\nstatement(s) which remains unpaid, plus any amount that exceeds Your approved\nCredit Limit.\nStretchPay\xc2\xae Line of Credit Minimum Payments will be disclosed to You at the time\nof each advance on a separate page titled "Credit Line Account Advance Request\nand Security Agreement."\nVISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid\nbalance at the end of each billing cycle, subject to the lesser of $20.00 or Your\nbalance, plus any portion of the Minimum Payments shown on prior statement(s)\nwhich remains unpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE (EXCEPT FOR VISA). If Your payment is 10 or more days late,\nYou will be charged 5.00% of the payment due.\nOTHER FEES AND CHARGES (EXCEPT FOR VISA). For all Feature Categories\n(except VISA), You will be charged a $75.00 FINANCE CHARGE each time You\nrequest and We agree to lower the periodic rate and corresponding Annual\nPercentage Rate applicable to such Feature Category.\nSTRETCHPAY\xc2\xae LINE OF CREDIT ANNUAL MEMBERSHIP FEE. StretchPay\xc2\xae Line\nof Credit Accountholders with approved Credit Limits of $150.00 will be charged a\n$25.00 Annual Membership Fee for continued participation in the StretchPay\xc2\xae Line of\nCredit program. StretchPay\xc2\xae Line of Credit Accountholders with approved Credit\nLimits of $250.00 will be charged a $35.00 Annual Membership Fee for continued\nparticipation in the StretchPay\xc2\xae Line of Credit program. StretchPay\xc2\xae Line of Credit\nAccountholders with approved Credit Limits of $500.00 will be charged a $70.00\nAnnual Membership Fee for continued participation in the StretchPay\xc2\xae Line of Credit\nprogram. This fee is required each year to continue credit availability whether or not\nYou use Your Account throughout the year.\nFINANCE CHARGES (EXCEPT FOR VISA). A Finance Charge will be assessed\non any unpaid principal balance for each Feature Category of Your Account for\nthe period such balance is outstanding. Balances change each time advances\nare made, payments are made or credits given under any Feature Category. The\nCopyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved.\n\nFinance Charge begins to accrue on the date of each advance and there is no\ngrace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all\nFeature Categories (except for VISA), the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle being\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the\nbalance each day after payments, credits, and unpaid Finance Charges to that\nbalance have been subtracted and any new advances, insurance premiums or other\ncharges have been added to Your unpaid balance. These daily Finance Charges\nare then added together and the sum is the amount of the Finance Charge owed\nfor the Feature Category being accounted for. The total Finance Charge You owe\non Your Account for each billing cycle is the sum of all the Finance Charges due for\nall applicable Feature Categories.\nVISA FINANCE CHARGES. In the case of any transactions under Your VISA\nFeature Categories, the balances subject to the periodic Finance Charge are\nthe average daily transactions balances outstanding during the month\n(including new transactions).\nTo get the average daily balance during the first billing cycle, We take the beginning\nbalance of Your Account each day, add any new purchases, cash advances, debit\nadjustments or other charges and subtract any payments, credits and unpaid\nFinance Charges. This gives Us the daily balance. Then, We add up all the daily\nbalances for the billing cycle and divide them by thirty days (regardless of the actual\nnumber of days during the first billing cycle).\nTo get the average daily balance during the second and subsequent billing cycles,\nWe take the beginning balance of Your Account each day, add any new purchases,\ncash advances, debit adjustments or other charges and subtract any payments,\ncredits and unpaid Finance Charges. This gives Us the daily balance. Then, We\nadd up all the daily balances for the billing cycle and divide them by the actual\nnumber of days in the billing cycle.\nThe Finance Charge for a billing cycle is computed by multiplying the average daily\nbalance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the date\nthey are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from the\ndate they are posted to Your Account.\nVISA VARIABLE RATE. For Low Rate VISA, Platinum Rewards VISA, WSUAA\nAffinity VISA and WSUAA Affinity Rewards VISA feature categories, all advances\nare subject to a Variable Rate which is based on the highest Prime Rate as\npublished in the Money Rates section of The Wall Street Journal in effect on the\nlast day of each calendar quarter of each year ("Index") plus Our Margin. The Index\nplus the Margin equals the Interest Rate. Changes in the Index will cause changes\nin the Interest Rate on the first day of the billing cycle in the month immediately\nfollowing any such change in the index. Increases or decreases in the Interest Rate\nwill cause like increases or decreases in the Finance Charge and will affect the\nnumber of Your regularly scheduled payments. Other than the maximum and\nminimum Interest Rates that can apply at any time, Your Interest Rate will never\nincrease or decrease by more than 1.00 percentage point on any change date. Your\nInterest Rate will never be greater than 25.00%, and will apply to Your remaining\nprincipal balance.\nFor the applicable Index, Margin, Daily or Monthly Periodic Rates and\ncorresponding Annual Percentage Rates for all Feature Categories, refer to\nthe separate page titled Additional Disclosure - Federal Truth In-Lending Act"\nand/or "Credit Line Account Advance Request And Security Agreement"\nwhich We have included with and made a part of this Agreement.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which there\nis a debit or credit balance or when a Finance Charge is imposed. We need not\nsend You a statement if We feel Your Account is uncollectible or if We have started\ncollection proceedings against You because You defaulted. Each statement is\ndeemed to be a correct statement of account unless You establish a billing error\npursuant to the Federal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience\nChecks have been reported lost or stolen; (3) Your Account has been cancelled or\nhas expired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting\nloss or liability.\n\nPage 3 of 5\n\nOTBS 016 WRIT (9/20)\n\n\x0cDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nof Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon will\nbe impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of every Feature Category of Your Account immediately\ndue and payable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all court\ncosts, private process server fees, investigation fees or other costs incurred in\ncollection and reasonable attorneys\' fees incurred in the course of collecting any\namounts owed under this Agreement or in the recovery of any collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force\nand effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," "Additional Disclosure" and/or "Credit\nLine Account Advance Request and Security Agreement" which is delivered\ntogether with this Agreement or at a later date becomes an integrated part of this\nAgreement and Disclosure.\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at the telephone number\nshown in this Agreement or by writing to Us at the address shown in this Agreement.\nIn any case, Your liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others\nto accept the Cards or Convenience Checks, or electronic terminals to honor\nthe Cards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. Dollars) will be: (a) a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b)\nthe government-mandated rate in effect for the applicable central processing\ndate. For transactions that are initiated in a foreign currency, You will be charged\n1.00% of the final settlement amount. For transactions occurring in foreign\ncountries and initiated in U.S. Dollars, You will be charged 1.00% of the final\nsettlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\nLATE CHARGE. If Your payment is five or more days late, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $20.00.\nOTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for any\ncheck (or other negotiable instrument used for payment) which is returned unpaid,\nor the required minimum payment amount for the returned payment.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards\nor Convenience Checks, You will immediately call Us at or write to Us at the address\nshown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your share\naccount after six months.\nYour Billing Rights: Keep this Document for Future Use\n\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device; or\nby authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular Feature\nCategory of Your Account, at any time, whether or not You are in default. You will, in any\ncase, remain liable to pay any unpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Ohio except to the extent that such laws are inconsistent with controlling\nfederal law.\n\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 Wright-Patt Credit\nUnion, P.O. Box 340134, Beavercreek, OH 45434-0134. In Your letter, give Us the\nfollowing information:\n\n.\n.\n.\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\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\n.\n.\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay\nthe amount in question.\n\nSPECIFIC TERMS APPLICABLE TO YOUR\nFIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED\nVISA, PLATINUM REWARDS VISA, WSUAA AFFINITY VISA AND\nWSUAA AFFINITY REWARDS VISA CREDIT CARDS\n\nWhat Will Happen After We Receive Your Letter\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in\nany place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including,\nbut not limited to, advances made for the purpose of gambling and/or wagering\nwhere such practices are in violation of applicable state and/or federal law.\nCopyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved.\n\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nWhen We receive Your letter, We must do two things:\n1) Within 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\nPage 4 of 5\n\nOTBS 016 WRIT (9/20)\n\n\x0cWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nabove, You do not have to pay the first $50.00 of the amount You question\neven if Your bill is correct.\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe 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:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You a\nstatement of the amount You owe and the date payment is due. We\nmay then report You as delinquent if You do not pay the amount We think\nYou owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom We\nreported You as delinquent, and We must let those organizations know when\nthe matter has been settled between Us. If We do not follow all of the rules\n\nCopyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved.\n\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\nCredit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was based\non an advertisement We mailed to You, or if We own the company that sold You\nthe goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point, if\nWe think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 5 of 5\n\nOTBS 016 WRIT (9/20)\n\n\x0c'


b"Navy Federal Credit Union\xc2\xae Credit Card Pricing Terms\nThe Credit Card Pricing Terms is part of your Credit Card Agreement and Disclosure.\nIt provides cost, fee, and other important information about your account.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases, Balance Transfers, and\nConvenience Checks\n\nnRewards\xc2\xae Secured\n\n5.99% to 18.00%\n8.99% to 18.00%\n9.65% to 18.00%\n9.65% to 18.00%\n9.99% to 18.00%\n18.00%\n\nCash Advance APR\n\nThis APR will vary with the market based on the U.S. Prime Rate.\n2% above your variable APR. This APR will vary with the market based on the U.S. Prime Rate.\n\nPlatinum\n\xc2\xae\n\nGO REWARDS\ncashRewards\n\nNavy Federal More Rewards American Express\xc2\xae Card\nVisa Signature\xc2\xae Flagship Rewards\n\nPenalty APR and When It Applies\n\n18.00%\nThis APR may apply to your account if you:\n\xe2\x80\xa2 are over 60 days past due or\n\xe2\x80\xa2 make a payment that is returned and causes your account to be\nover 60 days past due.\nHow long will the Penalty APR apply? If your APRs are increased for either\nof these reasons, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on Cash Advances, Balance Transfers,\nand Convenience Checks on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips From the Consumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fees\n\xe2\x80\xa2 nRewards Secured, Platinum, cashRewards, GO REWARDS,\nNavy Federal More Rewards American Express\xc2\xae Card\n\xe2\x80\xa2 Visa Signature Flagship Rewards1\n\n\xe2\x80\xa2 None\n\xe2\x80\xa2 $49.00\n\nTransaction Fees\n\xe2\x80\xa2 ATM Cash Advance\n\n\xe2\x80\xa2 None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per\ndomestic transaction or $1.00 per foreign transaction.\n\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 None\n\nPenalty Fees\nLate Payment2\nReturned Payment\n\n\xe2\x80\xa2 Up to $20.00\n\xe2\x80\xa2 Up to $20.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See your account agreement for more details.\nLoss of Introductory APR: You may lose your Introductory APR if the Penalty APR applies to your account.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nVariable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the\nU.S. Prime Rate decreases. An increase or decrease in your APR will affect the total amount of interest you pay. Your APR is adjusted monthly on the first business day of the\nmonth; it is determined by adding a Margin to the U.S. Prime Rate published in the Wall Street Journal on the first day of the previous month. Your Margin is a percentage\namount that we determine based on an evaluation of your credit history. Your Margin will range from 2.74% to 16.74% based on product type.\nMonthly Periodic Rate Information: Your account is charged interest monthly using a periodic rate. The monthly periodic rate for your Standard APR for Purchases, Balance\nTransfers, and Convenience Checks (if requested) is 0.4992% - 1.5000%. The monthly periodic rate for your Cash Advance APR is 0.6658% - 1.5000%. The monthly periodic\nrate for your Penalty APR is 1.5000%.\n1\n\nAnnual Fees: If you have been issued a Visa Signature Flagship Rewards Card, you will be billed the annual membership fee. This charge will appear on your first statement,\nand annually thereafter. Only one fee will be charged to your account regardless of the number of cards issued on the account.\n\n2\n\nLate Payment Fee: You will be required to pay a late payment fee of up to $20.00 if you do not pay at least the minimum payment by the payment due date on your statement.\nNavy Federal may also assess the late payment fee every month thereafter that you are past due.\n\nOther Fee: Returned convenience check fee\xe2\x80\x94$20.00.\nThe Navy Federal More Rewards American Express\xc2\xae Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of\nAmerican Express and is used by the issuer pursuant to a license.\n\n\xc2\xa9 2020 Navy Federal NFCU 573CC (7-20)\n\npage 1 of 3\n\n\x0cYour Agreement With Us. This Credit Card Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with us.\nThe Credit Card Pricing Terms is part of this Agreement and provides cost, fee, and other important information\nabout your account. Provisions of this Agreement are severable. If any provision of this Agreement is held by a\ncourt of law to be invalid or unenforceable, the rest of this Agreement will not be affected. Virginia law will be\nused to interpret this Agreement unless federal law applies.\nAs used in this Agreement, the word \xe2\x80\x9cyou\xe2\x80\x9d means each and every person signing, using, or having a credit card\naccount with Navy Federal Credit Union, referred to as \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d or \xe2\x80\x9cNavy Federal.\xe2\x80\x9d\nPlease read all of this Agreement carefully and keep it for your records. By using your credit card account, you\nagree to all the terms of this Agreement.\n1. Contacting Us. All correspondence to us relating to this Agreement should be addressed to Navy Federal\nCredit Union, P.O. Box 3501, Merrifield, VA 22119-3501. You may also contact us electronically through online\nbanking at navyfederal.org or call us toll-free in the U.S. at 1-888-842-6328. For toll-free numbers when\noverseas, visit navyfederal.org. Use 1-703-255-8837 for collect international calls. Information concerning\nNavy Federal Credit Cards may be obtained at navyfederal.org.\n2. Cardholder Signature. Your card is not valid unless it is signed. Sign the back of your card immediately\nupon its receipt.\n3. Your Credit Limit and the Maximum Amount You Owe Navy Federal. The maximum amount you may\nowe us at any time is the amount of your assigned credit limit, any overlimit amount and any interest and fees\nthat have accrued. Transactions you make may either cause your account balance to exceed your credit limit or\nincrease an existing over limit amount. When this happens, it does not mean your credit limit has been increased.\nIf you exceed your credit limit for any reason at any time, you remain responsible for payment of all charges,\nincluding any fees and any amount over the credit limit. You may apply for an increase to your credit limit through\nour mobile app, online at navyfederal.org, by telephone, or by mailing a completed credit card application form\nto us. (Refer to the Contacting Us section of this Agreement.) A request for additional credit may involve a credit\nbureau inquiry to review your consumer credit report. We reserve the right to determine your credit and/or cash\nline and may increase, decrease, or restrict it at any time.\n4. Promise to Pay. You agree to pay us the amount of all purchases and cash advances that you, your joint\ncardholder, and Authorized User(s) make using your credit card or any other access device. You agree to pay the\ntotal of any interest charges and other charges or fees due on your account. The joint cardholder also promises\nto pay all amounts owed to us. If you allow another person to use your credit card, you are responsible for paying\nfor their purchases and cash advances.\n5. For purposes of this section, \xe2\x80\x9cyou\xe2\x80\x9d does not mean Authorized Users of credit card accounts.\na. Security Interest Specific for Credit Cards. You acknowledge and pledge, specifically as a\ncondition of your use of the credit card, that you have voluntarily granted Navy Federal a\nsecurity interest in all of your individual and joint share accounts at Navy Federal. If your credit\ncard loan becomes delinquent, this security interest may be used without further notice to\npay all or part of such delinquency. This security interest does not apply to shares in an\nIndividual Retirement Account (IRA).\nb. Statutory Lien. You acknowledge and pledge to Navy Federal a statutory lien in your shares and dividends\non deposit in all joint and individual accounts and any monies held by Navy Federal now and in the future, to\nthe extent of any loan made and any charges payable. The statutory lien does not apply to shares in any IRA.\nc. Additional Security Interest. You acknowledge and pledge to Navy Federal a security interest in the\ncollateral securing loan(s) that you have with Navy Federal now and in the future, including any type of change\nor increase, and any proceeds from the sale of such collateral and of insurance thereon, not to exceed the\nunpaid balance of the loan. This security interest in collateral securing other loans does not apply to loan(s) on\nyour primary residence.\n6. Payments.\na. Payment Instructions. Payments may be made by mail, by electronic transfer, or at a branch in person. All\npayments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500,\nMerrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm will be credited the same\nday. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit\ncard account may not be commingled with funds designated for credit to other Navy Federal accounts. We will\naccept late or partial payments without forfeiting any of Navy Federal\xe2\x80\x99s rights under this Agreement. Payments\nthat are marked \xe2\x80\x9cpaid in full\xe2\x80\x9d and that are of an amount less than the balance on the credit card account, or that\nare marked with any other restrictive endorsements, should be sent to P.O. Box 3105, Merrifield, VA 22116,\nAttn. Credit Card Division.\nb. Minimum Payment Due. Your monthly statement will tell you: the total amount that you owe us; the\nminimum payment that you must make; and your payment due date. Your minimum payment will include any\namount past due plus the greater of: (1) 2% of the new balance or (2) $20.00. If the new balance of your account\nis less than $20.00, the minimum payment will be the amount of the new balance.\nYou may pay the new balance in whole or in part at any time. We will not charge you a penalty for paying more\nthan the minimum payment.\nc. Payment Allocation. In general, we will apply your minimum payment to interest and fees first before\napplying it to principal balances. If your account has balances with different APRs, we will apply the minimum\npayment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in\nexcess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion\nto the other balances in descending order based on the APR.\n7. Transactions Made in Foreign Currency.\nVisa\xc2\xae. All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for\nprocessing international transactions is a rate selected by Visa from the range of rates available in wholesale\ncurrency markets for the applicable central processing date and may vary from the rate Visa itself receives, or\nthe government-mandated rate in effect for the applicable central processing date.\nMastercard\xc2\xae. All Mastercard purchases and cash advances will be billed to you in U.S. dollars. Currently, the\nrate of exchange used is either a government-mandated rate or a wholesale rate determined by Mastercard\nInternational for the processing cycle in which the transaction is processed. This rate of exchange may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nAmerican Express\xc2\xae. All American Express purchases and cash advances will be billed to you in U.S. dollars.\nPurchases and cash advances in a foreign currency will be converted to U.S. dollars. The rate of exchange used\nfor processing international transactions is a rate selected by American Express.\n8. Annual Percentage Rates (APRs) and Interest Charges.\na. APRs. Your account is assigned APRs for purchases, balance transfers, convenience checks, and cash\nadvances. These APRs are used to calculate your interest charges. See the Credit Card Pricing Terms for the\nAPRs that apply to your account transactions.\nb. Variable APR. Unless noted otherwise, your APR will vary based on the U.S. Prime Rate published in the\nWall Street Journal. This means your APR will increase if the U.S. Prime Rate increases and decrease if the\nU.S. Prime Rate decreases. An increase or decrease in the APR will increase or decrease the total amount of\ninterest you pay. Therefore, the amount of your minimum payment applied to interest will increase or decrease.\nYour APR for purchases, balance transfers, and convenience checks, if you request them, is your \xe2\x80\x9cStandard\nAPR.\xe2\x80\x9d Your Standard APR is adjusted monthly on the first business day of the month; it is determined by adding\na Margin to the U.S. Prime Rate published in the Wall Street Journal on the first day of the previous month.\nThe Margin is a percentage amount that we determine based on an evaluation of your credit history. Your Margin\nfor your Standard APR may be found in the Variable Rate Information paragraph under the Credit Card Pricing\nTerms table. Your cash advance APR is 2.00% higher than your Standard APR, not to exceed the maximum\npermitted by law. For example: If the U.S. Prime Rate is 4.00% and your Margin is 9.00%, then your variable\n\xc2\xa9 2020 Navy Federal NFCU 573CC (7-20)\n\nAPR for purchases, balance transfers, and convenience checks will be 13.00% APR (4.00% U.S. Prime Rate +\n9.00% Margin = 13.00% APR). Your APR for cash advances will be 15.00% APR (4.00% U.S. Prime Rate +\n9.00% Margin + 2.00% cash advance added rate = 15.00% APR).\nc. Promotional APRs. If your account is eligible for one or more introductory promotional APRs, the Credit Card\nPricing Terms sets forth the APR amount, its duration, and the corresponding Standard APR and cash advance APR\napplicable to your account at the time it is opened. If a promotional rate is offered after your account is opened, the\nterms applicable to that promotional APR will be provided at that time. After the promotional APR expires, the remaining\nbalance incurred under the promotion will be subject to your Standard APR or cash advance APR, as applicable.\nd. Penalty APR. If you do not make your minimum payment by the due date and your account is over 60 days\npast due or you make a payment that is returned and causes your account to be over 60 days past due, your\naccount will be subject to the Penalty APR. The Penalty APR will be applied to any and all transactions and\noutstanding balances on your account, including those with Promotional APRs. The Penalty APR will be effective\nat least 45 days after your account becomes subject to it.\ne. How We Calculate Your Interest Charges. To calculate your interest charges, Navy Federal uses your\nperiodic rate, which is determined by dividing your APR by 12. Navy Federal then calculates monthly interest\ncharges on your account by applying the periodic rate to the average daily balance of your account, including\ncurrent transactions. To calculate the average daily balance, we take the beginning balance of your account\neach day, add any new purchases and cash advances, and subtract any payments, credits, and unpaid interest\ncharges. The resulting total is the daily balance. We then add together all the daily balances for the billing cycle\nand divide the total by the number of days in the billing cycle. This amount is your average daily balance.\n9. Lost or Stolen Cards, Account Numbers, or Checks\xe2\x80\x94Liability for Unauthorized Use. If you notice\nthe loss or theft of your credit card or possible unauthorized use of your card account, you should write to us or\ncall us immediately at the address or telephone number included in the Contacting Us section of this Agreement.\nYou may also contact us on the web at navyfederal.org. You will not be responsible for charges made to your\naccount that are found by us to be unauthorized.\n10. Consumer Reporting Agencies. Navy Federal may report information about your credit card account\nto consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report. Information may be reported in your name and your Authorized Users\xe2\x80\x99 names,\nif any. We may also access your consumer credit report for any permissible purpose under the Fair Credit\nReporting Act, including periodic reviews of your creditworthiness, collections, and future credit line increases\nor decreases, and to display your credit score within your online banking and mobile access.\n11. Default. We may close your account or require immediate repayment of your total account balance, to the\nextent allowed by law, if any of the default events occur:\n\xe2\x80\xa2 You violate any terms of this Agreement;\n\xe2\x80\xa2 You do not pay the amount due as listed on your monthly statement;\n\xe2\x80\xa2 You have a returned payment that causes your account to be delinquent;\n\xe2\x80\xa2 You default under another account agreement you have with us;\n\xe2\x80\xa2 You file bankruptcy, or some other insolvency proceeding is filed by or against you;\n\xe2\x80\xa2 You are declared incompetent, mentally incapacitated, or in the event of your death;\n\xe2\x80\xa2 We determine that there has been a substantial adverse impact on your ability to repay the balance on this account;\n\xe2\x80\xa2 We determine that you have engaged in suspicious, fraudulent, illegal, dishonest, or deceptive activities with\nrespect to any of your Navy Federal accounts; or\n\xe2\x80\xa2 If the amount of deposited funds held as security on your share secured card (if you have one) is insufficient.\nIf we require immediate repayment of your total account balance, we may also declare due and payable all costs\nrelating to the collection of your account, including, but not limited to, unassessed interest charges, court costs,\nexpenses, and attorney fees.\nNavy Federal may obtain any information it deems necessary to cure or collect the default amount, including\nyour current contact information, as permitted by law. Contact to your employer will be limited to obtaining\ncurrent contact information.\nYou may have a Penalty APR applied to your account under certain circumstances. Refer to the Annual\nPercentage Rates (APRs) and Interest Charges section of this Agreement for more information.\n12. Closing or Suspending Your Account. We may, without notice or demand, close your account or suspend\nyour account by denying use of the credit line. You may close your account with us at any time. To do so, call\nor write to us using the contact information in the Contacting Us section of this Agreement. You may close your\naccount without being charged any fees up until the time you use the account or make a payment on the account\nafter receiving a billing statement. If we close or suspend your account, or if you close your account, you must\npay us all amounts you owe on the account, even if they post to your account after it is closed or suspended.\nWe may cancel your current card and issue you a substitute card at any time. Every card issued by Navy Federal\nis the property of Navy Federal.\n13. How We May Contact You. You expressly agree that to service your account or to collect any amounts you\nmay owe us, we or authorized parties may call you and send text messages to you. We may use prerecorded/\nartificial voice messages or an automatic dialing device to contact you at any telephone number associated with\nyour account, including mobile telephone numbers, which could result in charges to you. You also expressly\nconsent that we may send email messages regarding your account to your email address. In addition, we may\nsend you communications related to your account through the U.S. mail or other mail service.\nYou agree to notify us promptly of any changes to your contact information, including your name, mailing\naddress, telephone number(s), and email address(es).\n14. Use of Card for Illegal or Risky Transactions. It is your responsibility to comply with all laws when using\nyour Navy Federal Credit Card. You agree to hold us harmless for any damages or other liability arising from\na transaction initiated by you or your Authorized User, if any, for the purpose of conducting an illegal activity.\nWe reserve the right to decline authorization of transactions for activities we believe may violate law or pose\nsignificant risk to us or our members.\n15. Your Billing Rights: Keep This Document for Future Use. This notice tells you about your rights and\nour responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address provided in the Contacting Us section\nof this Agreement or at navyfederal.org. In your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 at least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong.\n\npage 2 of 3\n\n\x0cYou must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1) Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error.\n2) Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that account.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related\nto that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us telling us that you\nstill refuse to pay within one complete billing cycle. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the\namount 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\ntried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1) The purchase must have been made in your home state within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n\nSpend Limits. You have the ability to limit the amount of your credit line an Authorized User can access by\nadjusting their Spend Limit. To adjust your Authorized User\xe2\x80\x99s Spend Limit, contact us by telephone or access\nthe Manage Card Holder's Limits feature through our online banking service.\nAuthorized Users can:\n\xe2\x80\xa2\n\nmake transactions, including purchases, balance transfers, and cash advances on your account;\n\n\xe2\x80\xa2\n\nreport their own card lost or stolen;\n\n\xe2\x80\xa2\n\ninitiate billing disputes;\n\n\xe2\x80\xa2\n\nmake payments;\n\n\xe2\x80\xa2\n\nobtain certain account information such as transaction history;\n\n\xe2\x80\xa2\n\nrequest they be removed from the account as an Authorized User;\n\n\xe2\x80\xa2\n\nchange the billing address for your account; and\n\n\xe2\x80\xa2\n\nrequest a credit balance refund.\n\nNavy Federal may, from time to time and without notice, modify what Authorized Users can do.\n19. Amendment to This Agreement and Changes to Benefits.\na. Amendments. Navy Federal may amend and change this Agreement, including rates, by providing an\nadvance written notice of the changes to you when required by law. However, we may reduce charges, fees,\nand rates without sending you an advance notice.\nb. Changing Benefits. Credit card benefits offered as part of your credit card account\xe2\x80\x93such as rewards,\nservices, and other features\xe2\x80\x93may be modified or discontinued at any time for any reason. Separate terms and\nconditions apply to these and other benefits associated with your credit card account.\n20. Military Lending Act Protections. Under the Military Lending Act, the following statement applies to\ncovered borrowers (Active Duty servicemembers and their dependents) with accounts established on or after\nOctober 3, 2017:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account).\nIf you would like to hear the statement above and/or hear your credit card account payment obligation\ncommunicated to you orally, please call 1-800-667-9596.\n\n2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do not qualify.\n3) You must not have yet fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or\nelectronically at the address provided in the Contacting Us section of this Agreement or at navyfederal.org.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n16. Notice Concerning Use of an Automatic Teller Machine (ATM). Be alert. Do not use the ATM if the\nlights are not in operation or you see suspicious activity. Take someone with you if you must make a transaction\nat night. If you sense someone attempting to view your transaction, cancel the transaction and leave. Remember\nto take your card, cash, and receipt and put them away. Count your money only when you are safely away from\nthe ATM area. Immediately report all crimes to the operator of the ATM and to local law enforcement officials.\n17. Fees. The following fee information is in addition to the fee information found in the Credit Card Pricing Terms.\na. Annual Fees. If you have been issued a Visa Signature Flagship Rewards Card, you will be billed the annual\nmembership fee. This charge will appear on your first statement, and annually thereafter. Only one fee will be\ncharged to your account regardless of the number of cards issued on the account. If you do not want to pay the\nannual fee, you may request that your account be closed any time prior to the last day of the anniversary month\nwhen the account was opened. Upon closing your account, your annual fee for the period will be credited back\nto your account and reflected on your next statement. To make this request, you may contact us at the phone\nnumbers, website, or address provided in the Contacting Us section of this Agreement.\nb. Late Payment Fee. You may be required to pay a late payment fee of up to $20.00 if you do not pay at\nleast the minimum payment by the payment due date on your statement. Navy Federal may also assess the late\npayment fee every month thereafter that you are past due.\nc. How Fees Are Categorized. Fees are categorized as purchases on your periodic statement and are included in\nyour purchases balance. Fees are not eligible for promotional rates unless otherwise stated in your promotional offer.\n18. Authorized Users.\n\nAdding an Authorized User. You or a joint owner may request to add Authorized Users to your account, subject\nto a maximum number set by Navy Federal. You may make the request by phone, in writing, or at navyfederal.org\nusing the information provided in the Contacting Us section of this Agreement. You are responsible for obtaining\npermission from each Authorized User before naming him or her as an Authorized User on your account. We will\nneed the following information for each requested Authorized User:\n\xe2\x80\xa2 Full name as it should appear on the card\n\xe2\x80\xa2 Date of birth\n\xe2\x80\xa2 Social Security Number\n\xe2\x80\xa2 Address\n\xe2\x80\xa2 Telephone Number\n\xe2\x80\xa2 Access Number if a Navy Federal Member\nYou are responsible for:\n\xe2\x80\xa2 any transaction made by an Authorized User on your account.\n\xe2\x80\xa2 any transaction made by an Authorized User before they were removed from your account, even if the\ntransaction posts after the date of the removal request.\n\xe2\x80\xa2 any transactions made by others if an Authorized User allows them to use your account.\n\xe2\x80\xa2 fees and charges resulting from any transaction made by an Authorized User or others, if an Authorized User\nallows them to use your account.\n\n\xc2\xa9 2020 Navy Federal NFCU 573CC (7-20)\n\npage 3 of 3\n\n\x0c"


b'Credit Union of Colorado, A Federal Credit Union\nVISA PLATINUM PREFERRED and VISA PLATINUM CREDIT CARD AGREEMENT\nCard Services Department: 1390 Logan Street, Denver, CO 80203 (303) 832-4816 1-800-444-4816\nUse of your ACCOUNT or the CARD by you or anyone else who you authorize or permit to use your ACCOUNT or CARD, means you accept this\nAgreement. In this Agreement the words you and your mean each and all of those who apply for the CARD, or who use the ACCOUNT or CARD.\nCARD means the VISA credit card and any duplicates and renewals we issue. ACCOUNT means your VISA Credit Card line of credit account with\nus. We, us, our and Credit Union means Credit Union of Colorado, A Federal Credit Union.\n1. Responsibility. You agree to repay all debts and the FINANCE\nCHARGE arising from the use of the card and the card account. If you\npermit other persons to use your card and access code, you are\nresponsible for any transactions they authorize or conduct on any of your\naccounts. You cannot disclaim responsibility by notifying us, but we will\nclose the account for new transactions if you request. Your obligation to\npay the account balance continues even though an agreement, divorce\ndecree or other court order to which we are not a party may direct you or\none of the other parties to pay the account.\n2. Liability for Unauthorized Use/Lost Card Notification. If you notice\nthe loss or theft of your card or a possible unauthorized use of your card,\nnotify the VISA Network immediately at 1-800-453- 4270 or contact the\ncredit union during normal business hours at 1-800-444-4816 or\n(303)812-1967. You will not be liable for any unauthorized use that\noccurs after you notify us. If a transaction is made with your Visa credit\ncard or the card number without your permission and is either a Visa\nnetwork or Interlink transaction, you will have no liability for the\ntransaction. You will not be liable unless we determine that you were\n"grossly negligent" or fraudulent in the handling of your account. For\ntransactions on other networks, you may be liable for unauthorized use\nthat occurs before you notify us. However, your liability will not exceed\n$50.00.\n3. Credit Line. We will establish a Line of Credit for you when we issue\nthe card. You agree not to let the account balance exceed this approved\nCredit Line. Each payment you make on the account will restore your\nCredit Line by the amount of the payment which is applied to principal.\nYou may request an increase in your Credit Line, which must be\napproved by us. By giving you written notice we may reduce your Credit\nLine from time to time, revoke your card and terminate this Agreement.\nYou may also terminate this Agreement at any time, but termination by\neither of us does not affect your obligation to pay the account balance.\nThe cards remain our property and you must recover and surrender to us\nall cards upon our request and upon termination of this Agreement.\n4. Credit Information. You authorize us to investigate your credit when\nopening, renewing or reviewing your account, and you authorize us to\ndisclose information regarding your account to credit bureaus and other\ncreditors who inquire about your credit standing.\n5. Monthly Payment. We will mail you a monthly statement showing\nyour Previous Balance of purchases and cash advances, the current\ntransactions on your account, the unused available credit, the FINANCE\nCHARGE due on purchases and cash advances, any other billed fees,\nthe total New Balance, and the Minimum Payment. Every month you\nmust pay at least the Minimum Payment. A late fee of $15.00 will be\nimposed on any minimum payment not paid within ten (10) days after the\nscheduled due date. You may authorize us to automatically transfer the\nMinimum Payment from your share or share draft account. You may pay\nmore frequently, pay more than the Minimum Payment, or pay the total\nNew Balance in full, which will reduce the FINANCE CHARGE. The\nMinimum Payment will be either (a) 2% of your total New Balance or\n$20.00, whichever is greater, or your total New Balance, if it is less than\n$20.00, plus (b) any delinquent amounts from prior billing periods or any\namount over limit, whichever is greater. At any time your total New\nBalance exceeds your Credit Line, you must immediately pay the excess.\nPayments are applied as follows (1) to FINANCE CHARGE, (2) higher\ninterest rate balances, (3) lower interest rate balances.\n6. Grace Period. There is a GRACE PERIOD of at least 25 days on\nPurchases if certain conditions are met. You can avoid an interest\ncharge on Purchases by paying the full amount of the new Balance on or\nbefore the Payment Due Date. Otherwise, the new Balance of\nPurchases AND subsequent Purchases will be subject to an interest\ncharge. There is no grace period for cash advances or balance\ntransfers. An interest charge is imposed from the date of posting of each\ncash advance or balance transfer.\n7. How We Calculate Your Balance Subject to Interest Charges. We\nuse a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nWe figure the interest charge on your account by applying the periodic\nrate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d we take the beginning balance of your account each day,\nadd any new purchases or cash advances and other debits, and subtract\nany payments or credits. This gives us the daily balance. Then, we add\nup all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily\nbalance.\xe2\x80\x9d Fees are not included in the average daily balance\ncalculations. Balance transfers are treated as cash advances.\n8. Interest Charges. The interest charge for each statement cycle is\ndetermined by applying the monthly periodic rate to the average daily\nbalance of your account, including current transactions. The monthly\nperiodic rate will be a variable rate based upon a corresponding ANNUAL\nPERCENTAGE RATE tied to an index. The index is the \xe2\x80\x9cprime rate\xe2\x80\x9d as\npublished in the Money Rate\xe2\x80\x99s table of the Wall Street Journal (Western\nEd.). The index value used for a given billing cycle will be the value\npublished on the last day of your previous billing cycle. If the index is not\npublished on that day, the most recently published value before that date\nwill be used to determine the monthly periodic rate. If more than one\nprime rate is published, the index will be the highest of the rates\npublished. The ANNUAL PERCENTAGE RATE applicable to your\naccount is determined by adding the index and: three percent for\n\nPlatinum Preferred, four percent for Platinum Preferred Rewards, five or\nseven percent for Platinum, and six or eight percent for Platinum\nRewards. The ANNUAL PERCENTAGE RATE for the billing cycle will be\ndivided by twelve to get the monthly periodic rate for the billing cycle. If\nthe Wall Street Journal ceases to publish the index, the credit union will\nchoose a new index and give you notice of its choice. Regardless of the\nindex value, the ANNUAL PERCENTAGE RATE will never exceed 21%\nor the maximum allowed by law. Interest charges are posted on the day\nthat statements are generated by the credit union. An increase in the\nrate may result in an increase in the amount of the interest charge.\n9. Default. You will be in default, and we may, without notifying you in\nadvance, close your Account, cancel all Cards issued on it, and demand\nimmediate payment of your entire balance if any of the following occurs:\nyou fail to make a payment when it is due; you do not follow the terms of\nthe Agreement in any way; you have made any false or misleading\nstatement on the application for your Account; you fail to pay any other\nloans you owe us; you become insolvent or die; there is an attachment,\nexecution, or levy against you or your property; you make an assignment\nfor the benefit of creditors; a bankruptcy petition is filed by or against you;\na guardian, conservator, receiver, custodian, or trustee is appointed for\nyou; you are generally not paying your debts as they come due; or there\nhas been an adverse change in your financial standing. If you are in\ndefault and fail to pay any amounts you owe on your Account, you will be\nliable for our costs of collection and, if we refer this claim to an attorney\nfor collection, you will be liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action.\n10. Using the Account. You agree that you will not use your card for\nany transaction that is illegal under applicable federal, state or local law.\nYour Account can be used to purchase goods and services from\nparticipating establishments (\xe2\x80\x9cMerchants\xe2\x80\x9d). When you make a Purchase\nby telephone or mail, you may not receive a receipt or have other\ndocumentation of the transaction. You agree to accept liability for\nPurchases you make or authorize to be made even though no\ndocumentation exists. You can use your Account to obtain cash either by\npresenting your Card at any financial institution that accepts the Card or\nby making a withdrawal of cash at an automatic teller machine (\xe2\x80\x9cATM\xe2\x80\x9d),\nor by making a transfer through Online Banking, mobile banking, or our\nautomated telephone system. These transactions are treated as Cash\nAdvances on your Account. Your monthly statement will identify the\nmerchant, electronic terminal or financial institution where transactions\nwere made. Transaction documents will not be returned with the\nstatement. You must retain your copy of such documents to verify with\nyour monthly statement. There is a charge for photocopies of documents\nyou request. We are not responsible if anyone refuses to honor your\ncard, nor are we responsible for anything purchased with your Card.\n11. Returns and Adjustments. Merchants and other institutions may\ngive credit for returns or adjustments. If your credits and payments\nexceed what you owe us, we will apply this credit balance against future\npurchases and cash advances. If the credit balance on your account is\n$1 or more, we will refund it upon your written request or deposit it in your\nShare savings account automatically after six months.\n12. Foreign Transactions. Purchases, cash withdrawals, and cash\nadvances made in foreign currencies will be debited from your account in\nU.S. Dollars. The exchange rate between the transaction currency and\nthe billing currency used for processing international transactions is a\nrate selected by VISA from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate\nmay vary from the rate VISA itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange\nrate used on the processing date may differ from the rate that would have\nbeen used on the purchase date or cardholder statement posting date. A\nfee of 1% of the amount of the transaction, calculated in U.S. dollars, will\nbe imposed on all multi currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee of 0.80%\nof the amount of the transaction, calculated in U.S. dollars, will be\nimposed on all single currency foreign transactions, including purchases,\ncash advances and credits to your account. A foreign transaction is any\ntransaction that you complete or a merchant completes on your card\noutside of the United States, with the exception of U.S. military bases,\nU.S. territories, U.S. embassies or U.S. consulates.\n13. Security Interest. You grant us a security interest in all\nindividual and joint share and/or deposit accounts you have with us\nnow and in the future to secure your credit card account. When you\nare in default, you authorize us to apply the balance in these\naccounts to any amounts due. Shares and deposits in an Individual\nRetirement Account, and any other account that would lose special\ntax treatment under state or federal law if given as security, are not\nsubject to the security interest you have given in your shares and\ndeposits.\n14. Effect of Agreement. This Agreement is the contract which applies\nto all transactions on your account even though the sales, cash advance,\ncredit or other documents you sign or receive may contain different\nterms. We may amend this agreement from time to time by sending you\nthe advance written notice required by law.\n\n\x0c15. Warning - The terms of this agreement may be changed in\naccordance with applicable law. We may modify any of the terms set\nforth in this agreement, including but not limited to the interest charge\nand payment schedule, and any of the terms applicable to the use of the\nCard upon such notice as is required by applicable laws and regulations.\n16. Miscellaneous. (a) We may charge fees from time to time by\nsending you written notice required by law. (b) You agree to pay a fee for\nnon-sufficient fund checks. (c) A late fee of $15.00 will be imposed on\nany minimum payment not paid within ten (10) days of the scheduled due\ndate. This late fee will be added to your account balance. (d) This\nAgreement will be governed by the laws of the State of Colorado and\napplicable federal laws. If any part of this Agreement becomes\nunenforceable, it will not make any other part unenforceable. This\nagreement is severable. (e) All obligations to us shall be paid in U.S.\ndollars at 1390 Logan Street, Denver, Colorado 80203 by mail or at any\n\nCredit Union office. (f) We can accept late payments or partial payments\nor checks or money orders marked "paid in full" or similar language,\nwithout losing any of our rights under this Agreement. (g) If you change\nyour address, you must notify us of your new address within ten days. (h)\nYou may request us to pay off in whole or in part another credit account\nor charge account for you. Monies advanced by this type of request shall\nbe Cash Advances. Our canceled checks shall be conclusive proof of\nthe Cash Advance. (i) Checks you write to access your Account will be\ntreated as Cash Advances when signed by you. All rules and\nagreements regarding checking accounts apply to these checks.\n17. Copy Received. You acknowledge receipt of a copy of this\nAgreement, a copy of the "rights to dispute billing errors" below and the\nElectronic Funds Transfer Disclosure Statement.\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:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\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\nRevised 9/15/17 Form 5802\n\n\x0cPlatinum Preferred Pricing Effective 03/19/2020\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nBalance Transfers, and\nCash Advances\nPaying Interest\n\n6.25%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nthe Consumer Financial\nhttp://www.consumerfinance.gov/learnmore\nProtection Bureau\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\nForeign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each\ntransaction in U.S. dollars for single currency transactions.\nPenalty Fees\n\xef\x82\xb7\nLate Payment\n\n$15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\nCredit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card\nAgreement.\n\n\x0c'