b'Visa\xc2\xae Platinum Rewards Truth-In-Lending Terms and Conditions\n\nIn this Agreement the words you and your mean each and all of those who sign or use the issued Visa Card. Card means a Visa Credit\nCard and any duplicates and renewals the Credit Union issues. Account means your Visa Credit Card line of credit account with the\nCredit Union. Credit Union, we, us, and our means the Credit Union whose name appears in this Agreement.\n1. Using the Account/Credit Limit: You are approved for a Visa account. Signing and using your DuPage Credit Union Visa Card\nsignifies acceptance of the following terms and conditions. You agree not to let your account balance exceed your approved credit\nlimit. Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the\nprincipal amount of purchases and cash advances. You may request an increase in your credit limit by making a request to the Credit\nUnion. The Credit Union has the right to reduce or terminate your credit limit at any time.\n2. Responsibility: You agree to pay all charges (purchases, balance transfers and cash advances) to your Account that are made by\nyou or anyone whom you authorize to use your Account. For example, you are responsible for charges made by yourself, your spouse\nand minor children. You are responsible for charges made by anyone else to whom you give the card, and this responsibility continues\nuntil the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so\nrequest and return all cards. If either party closes the account, the credit card(s) must be surrendered to the Credit Union. Should\nunauthorized use occur after the account is closed, the card will be picked up by a merchant, and you will be responsible for each $50\ncard recovery fee. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court\njudgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Joint Account: Each of\nyou will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can\nrequire any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make\npurchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective to all of you.\n3. Variable Annual Percentage Rate: Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and\ncash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime\nRate published in the Wall Street journal the last business day of the previous calendar quarter. When a change in the Prime Rate\noccurs, the resulting new APR\xe2\x80\x99s will apply to balances on your account starting with your next monthly billing cycle.\n4. Liability For Unauthorized Use/Lost Card Notification: You agree to notify us immediately, orally or in writing of the loss, theft or\nunauthorized use of your Credit Card. If your credit card is lost or stolen, you must notify us in writing at the address below or phone\nus. For stolen cards, include a copy of the police report. You will have no liability for unauthorized transactions made with your credit\ncard, unless you are grossly negligent in handling of your card. This additional limit on liability does not apply to ATM transactions,\nwhich are not processed by Visa, or to commercial cards.\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611\n5. Monthly Payment: Each month you must pay at least the minimum payment shown on your statement within 25 days of the\nstatement closing date. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance\nin full. If you make extra payments or larger payments, you are still required to make at least the minimum payment each month your\naccount has a balance. The minimum payment is 2% of the Total New Balance but not less than $25.00, plus the amount of any prior\nminimum payments that you have not paid. In addition, at any time your Total New Balance exceeds your credit limit, you must\nimmediately pay the excess upon demand. If your account is subject to a Balance Transfer Fee, the fee as disclosed will be charged to\nyour account in the month that the Balance Transfer is completed. This may increase your minimum monthly payment during the\nmonth that the Balance Transfer Fee is assessed.\n6. Payment Allocation: Subject to applicable law, your minimum payment amount may be applied to what you owe the Credit Union in\nthe following order: Finance charges, fees, previous promotional balance, balance cash, balance retail, cycle-to-date promotional,\ncycle-to-date cash, cycle-to-date retail. Any payment amount in excess of the minimum will be applied first to the card balance bearing\nthe highest rate of interest, and then to each successive balance bearing the next highest rate of interest. If two or more balances have\nthe same rate of interest, the older balance is paid first, until the payment is exhausted.\n7. Finance Charges: In order to avoid a finance charge on Purchases made since your last statement date, you must pay the Total\nNew Balance shown on your statement within 25 days of the statement closing date. Otherwise, finance charges on purchases are\ncalculated from the beginning of the next statement period on previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account. Cash advances are always subject to finance charge from the date of transaction. We figure the\nfinance charge separately for purchases and cash advances on your account by applying the applicable periodic rate set forth below to\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (including current transactions), and to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances\n(including current transactions). To get each \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance each day, add any new\npurchases (if calculating the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases), add any new cash advances (if calculating the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d for cash advances), and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n8. Other Fees and Charges: Other fees and charges that will be added are as shown in the table.\nPage 1 of 5\n\n\x0c9. Cash Advance/Balance Transfer Information: Cash Advances/Balance Transfers are not subject to a grace period. DuPage\nCredit Union is not responsible for any merchant delays in processing transactions. Balance Transfers cannot be used to pay other\nDuPage Credit Union obligations. Balance Transfers and cash advances do not qualify to earn Bonus Points. The Credit Union\nreserves the right to place a maximum limit for daily cash advance transactions. Accounts will be limited to two (2) cash advance\ntransactions per 24-hour period. Cash Advances performed through an ATM have a daily maximum limit of $500 and will be limited to\ntwo (2) per 24-hour period.\nCash Advance Fee: The fee will be added to the appropriate advance balance with the cash advance. (The amount of the cash\nadvance may include a surcharge that the ATM owner imposes.)\n10. Current DuPage Credit Union Visa Inspire Cash Back Signature Cardholders: By switching to a Visa Platinum Rewards Credit\nCard any earned cash back will be converted to Choice Rewards Points.\nUpgrading From One DuPage Credit Union Credit Card Program to Another: Upon activating your new DuPage Credit Union\nCredit Card, your old credit card will be closed and any unpaid, promotional balances will be transferred to your new DuPage Credit\nUnion Credit Card at the current purchase APR.\n11. Default: You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You\nwill be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or\nbecome insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to\ndemand immediate payment of your full account balance without notice. If immediate payment is demanded, you will continue to pay\nfinance charges and fees until what you owe has been paid, and any savings that were given as security will be applied towards what\nyou owe. We may enter into a contingent or hourly fee arrangement with an attorney and/or collection agency to collect the amounts\nyou owe us and you agree that such arrangement is reasonable. This provision also applies to bankruptcy, appeals or post-judgment\nproceedings. You promise to pay all costs of collecting the amount you owe if your Visa account is in default. These costs will include\nreasonable attorney fees, court costs and/or collection agency fees and all other costs permitted under state law and regulation. If your\naccount is charged off all balances will revert to the highest APR on the account. The Credit Union reserves the right to remove all\nunredeemed Choice Rewards Points if you fail to make a required payment for two consecutive billing cycles, your account is not in\ngood standing, your account is inactive for a 6-month period of time, if the cardholder (s) are deceased, the Credit Union detects\nsuspicious activity or the account is closed for any reason.\n12. Using the Card: You may use the card issued to you to make purchases in person, and by mail or telephone from merchants and\nothers who accept credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions\nparticipating in the Visa program, and from automated teller machines (ATM\xe2\x80\x99s), such as Visa ATM network, that provide access to the\nVisa system. (Not all ATM\xe2\x80\x99s provide such access.) You will need to use your Personal Identification Number (PIN) to obtain a cash\nadvance from an ATM. Illegal Transactions: You will not use your DuPage Credit Union Visa Credit Card for any illegal transaction.\nInternet Gambling: You may use your card to purchase goods and services from participating merchants. However, you may not use\nyour card to initiate any type of electronic gambling transaction through the Internet. Also, you agree that you will not use your card for\nany transaction that is illegal under applicable federal, state, or local law.\n13. Returns and Adjustments: Merchants and others who honor the Card may give credit for returns or adjustments. If your credits\nand payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or if it\nis $1 or more, refund it on your written request or automatically after 6 months.\n14. Merchant Disputes: The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the card.\nThe Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card\nif you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your\npurchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost\nmore than $50 and was made in your state or within 100 miles of your home.\n15. Foreign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S.\ndollars. The exchange rate for transactions in a foreign currency will be the rate selected by Visa from the processing date, which rate\nmay vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The\ncurrency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or\ncardholder statement posting date.\n16. Changing or Terminating Your Account: The Credit Union may change the terms of this Agreement from time to time after\ngiving you any advance notice required by law. Your use of the card after receiving notice of a change will indicate your agreement to\nthe change. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as\nwell as future transactions. Either the Credit Union or you may terminate this agreement at any time, but termination by you or the\nCredit Union will not affect your obligation to pay the account balance plus any finance charges and other charges you owe under this\nAgreement. The cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all\ncards upon request or upon termination of this Agreement whether by you or the Credit Union. Failure to surrender your cards will\nresult in a card recovery fee of $50 each, should you attempt to use the cards.\n\nPage 2 of 5\n\n\x0cVisa\xc2\xae Platinum Rewards\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR for 12 billing cycles from the date of\n\naccount opening on qualifying purchases posted within the first\n90 days of account opening. After that, your APR will be\nbased on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n12.50% to 20.50%\n\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\nAPR for Cash Advances\n\n0% Introductory APR on balance transfers requested within the first\n12 months of account opening. This will be the rate for the next 12\nmonths of each balance transfer. After that, your APR will be 12.50%\nto 20.50% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n14.50% to 22.50%\nThe rate you qualify for is based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your\nentire balance by the due date each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nIntroductory fee of $5 or 3% of the amount of the transaction,\nwhichever is greater during the first 12 months with 0% introductory\nAPR. After that, None.\n3% of the Cash Advance unless otherwise disclosed\n($5 minimum/$50 maximum fee)\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Limit\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nNone\nUp to $25\n\nOther Fees\n\xe2\x80\xa2 Returned Convenience Check\n\xe2\x80\xa2 Expedited Card Delivery\n\xe2\x80\xa2 Card Replacement\n\n$25\n$30\n$10\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d If you fail to make two consecutive required payments\non your account you will be considered in default and all Choice Rewards Points will be forfeited. Current DuPage Credit Union Credit cardholders do not qualify to transfer\ntheir current outstanding balance from one DuPage Credit Union Credit Card to another DuPage Credit Union Credit Card at the introductory promotional rate.\nBalance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us.\nBalance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by\ntransferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.\n\n17. Copies of Documentation: You will be charged a fee for each copy of a draft or monthly statement that you request from us. The\nfee will be handled by the Credit Union as an adjustment to the account balance, not as a purchase and may not be charged a Finance\nCharge.\n\nPage 3 of 5\n\n\x0c18. Effect of Agreement/Waiver: This agreement is the contract which applies to all transactions on your account even though the\nsales, cash advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any\nof its rights any number of times without losing them.\n19. Statements and Notices: You will receive a statement each month showing transactions on your account. You are responsible\nfor your minimum monthly payment even in the event your statement is late or returned to the Credit Union. Statements and notices\nwill be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered\nnotice to all.\n20. Additional Benefits/Card Enhancements: The Credit Union may from time to time offer additional services to your Account, such\nas travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services\nand may withdraw or change them at any time.\n21. Security Interest: If you give the Credit Union a specific pledge of savings by signing a separate pledge of savings for\nthis account, your account will be secured by your pledged savings. To secure your account you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you purchase through the account. If you default, we will\nhave the right to recover any of these goods that have not been paid for through our application of your payments in the\nmanner described above. Collateral securing other loans with us may also secure this account.\n22. DuPage Credit Union Choice Rewards Program: Eligible Visa Platinum Rewards accounts earn two Choice Rewards Points for\nevery dollar spent on gas station and restaurant purchases, five Choice Rewards Points on charity donations and one Choice Rewards\nPoint for all other purchases. One Choice Rewards Point is earned for every dollar over $1,500 balance transferred within the first 90\ndays of account opening. 10,000 Choice Rewards Points are earned when $3,000 is charged in the first 90 days of account opening.\nNo points are earned for finance charges, fees, cash advances, convenience checks, payment of existing card balances, balance\ntransfers and ATM transactions. Points in this program converted to a statement credit cannot be used to satisfy any monthly minimum\npayment obligation on the cardholder account.\n23. Military Lending Act (MLA): Important information for Covered Borrowers under the Military Lending Act, effective October 3,\n2017. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent my not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nFor more information, please contact DuPage Credit Union at 800-323-2611 to receive oral disclosures of the Military Lending Act\ndisclosure and a description of the payment obligation.\n24. Consent To Contact: You give the Credit Union and third party vendors calling on our behalf, your consent to use automated\ntechnology to call or text you at the phone number(s) given by you, including your wireless number. This may be for offering products\nor services, potential fraud on your account or to collect any amounts you owe. Standard message and data rates may apply. You\nhave the right to opt out of this consent at any time.\n25. Your Billing Rights\xe2\x80\x94Keep This Notice For Future Use: This notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute or errors need to be put in writing and sent to:\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but doing so will not preserve\nyour rights. You may also contact us on the Web: dupagecu.com sending a secure email by logging into your account on Online\nBanking at dupagecu.com. In your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error.\n\xe2\x80\xa2 If you need more information, describe the item you are not sure about.\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\nincorrect.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. When 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.\nPage 4 of 5\n\n\x0c\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:\n1. 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.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay 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 settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES. If you are dissatisfied with the goods or\nservices that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you\nmay 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 purchase price\nmust have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to\nyou, 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 that\naccesses 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 at: DuPage Credit Union, ATTN:\nCard Services, PO Box 3930, Naperville, IL 60567. While 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 we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nUSA PATRIOT ACT. Pursuant to requirements of law, including the USA Patriot Act, DuPage Credit Union is obtaining information and\nwill take necessary actions to verify your identity. Pursuant to the FACT Act address changes will only be accepted via in person and\nby mail with proper Credit Union verification. State laws require the following notices: California Residents: Regardless of your marital\nstatus, you may apply for credit in your name only. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit\nequally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers these laws. Married Wisconsin Residents: No provision of any marital\nproperty agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor\xe2\x80\x99s interest unless,\nprior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual\nknowledge of the provision. You acknowledge that you have received a copy of this Agreement that contains the Credit Union\xe2\x80\x99s terms\nand conditions by signing or using the issued card(s). Information about the costs of the Credit Card Account described in this\ndisclosure is accurate as of April 28, 2020. This information may have changed after this date. To find out what may have changed,\nplease write to us at DuPage Credit Union PO Box 3930, Naperville, Illinois 60567-3930.\nREV 4/2020\n\nPage 5 of 5\n\n\x0c'


b'Visa\xc2\xae Platinum Advantage Truth-In-Lending Terms and Conditions\nIn this Agreement the words you and your mean each and all of those who sign or use the issued Visa Card. Card means a Visa Credit\nCard and any duplicates and renewals the Credit Union issues. Account means your Visa Credit Card line of credit account with the\nCredit Union. Credit Union, we, us, and our means the Credit Union whose name appears in this Agreement.\n1. Using the Account/Credit Limit: You are approved for a Visa account. Signing and using your DuPage Credit Union Visa Card\nsignifies acceptance of the following terms and conditions. You agree not to let your account balance exceed your approved credit\nlimit. Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the\nprincipal amount of purchases and cash advances. You may request an increase in your credit limit by making a request to the Credit\nUnion. The Credit Union has the right to reduce or terminate your credit limit at any time.\n2. Responsibility: You agree to pay all charges (purchases, balance transfers and cash advances) to your Account that are made by\nyou or anyone whom you authorize to use your Account. For example, you are responsible for charges made by yourself, your spouse\nand minor children. You are responsible for charges made by anyone else to whom you give the card, and this responsibility continues\nuntil the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so\nrequest and return all cards. If either party closes the account, the credit card(s) must be surrendered to the Credit Union. Should\nunauthorized use occur after the account is closed, the card will be picked up by a merchant, and you will be responsible for each $50\ncard recovery fee. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court\njudgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Joint Account: Each of\nyou will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can\nrequire any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make\npurchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective to all of you.\n3. Variable Annual Percentage Rate: Your Annual Percentage Rate (APR) may vary (increase or decrease) quarterly and is based\non the Prime Rate. For each quarter, your APR is determined by adding a margin of: 7.25%-16.25% on purchases and balance\ntransfers, 9.25%-18.25% on cash advances to the Prime Rate published in the Wall Street Journal the last business day for the\nprevious calendar quarter. When a change in the Prime rate occurs, the resulting new APR\xe2\x80\x99s will apply to balances on your account\nstarting with your next monthly billing cycle. An increase or decrease in the prime rate may increase or decrease your interest and\nMinimum Payment. (See the Visa Credit Card Agreement for complete details.)\n4. Liability For Unauthorized Use/Lost Card Notification: You agree to notify us immediately, orally or in writing of the loss, theft or\nunauthorized use of your Credit Card. If your credit card is lost or stolen, you must notify us in writing at the address below or phone\nus. For stolen cards, include a copy of the police report. You will have no liability for unauthorized transactions made with your credit\ncard, unless you are grossly negligent in handling of your card. This additional limit on liability does not apply to ATM transactions,\nwhich are not processed by Visa, or to commercial cards.\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611\n5. Monthly Payment: Each month you must pay at least the minimum payment shown on your statement within 25 days of the\nstatement closing date. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance\nin full. If you make extra payments or larger payments, you are still required to make at least the minimum payment each month your\naccount has a balance. The minimum payment is 2% of the Total New Balance but not less than $25.00, plus the amount of any prior\nminimum payments that you have not paid. In addition, at any time your Total New Balance exceeds your credit limit, you must\nimmediately pay the excess upon demand. If your account is subject to a Balance Transfer Fee, the fee as disclosed will be charged to\nyour account in the month that the Balance Transfer is completed. This may increase your minimum monthly payment during the\nmonth that the Balance Transfer Fee is assessed.\n6. Payment Allocation: Subject to applicable law, your minimum payment amount may be applied to what you owe the Credit Union in\nthe following order: Finance charges, fees, previous promotional balance, balance cash, balance retail, cycle-to-date promotional,\ncycle-to-date cash, cycle-to-date retail. Any payment amount in excess of the minimum will be applied first to the card balance bearing\nthe highest rate of interest, and then to each successive balance bearing the next highest rate of interest. If two or more balances have\nthe same rate of interest, the older balance is paid first, until the payment is exhausted.\n7. Finance Charges: In order to avoid a finance charge on Purchases made since your last statement date, you must pay the Total\nNew Balance shown on your statement within 25 days of the statement closing date. Otherwise, finance charges on purchases are\ncalculated from the beginning of the next statement period on previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account. Cash advances are always subject to finance charge from the date of transaction. We figure the\nfinance charge separately for purchases and cash advances on your account by applying the applicable periodic rate set forth below to\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (including current transactions), and to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances\n(including current transactions). To get each \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance each day, add any new\npurchases (if calculating the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases), add any new cash advances (if calculating the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d for cash advances), and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nPage 1 of 5\n\n\x0c8. Other Fees and Charges: Other fees and charges that will be added are as shown in the table.\n9. Cash Advance/Balance Transfer Information: Cash Advances/Balance Transfers are not subject to a grace period. DuPage\nCredit Union is not responsible for any merchant delays in processing transactions. Cash Advances/Balance Transfers cannot be used\nto pay other DuPage Credit Union obligations. The Credit Union reserves the right to place a maximum limit for daily cash advance\ntransactions. Accounts will be limited to two (2) cash advance transactions per 24-hour period. Cash Advances performed through an\nATM have a daily maximum limit of $500 and will be limited to two (2) per 24-hour period.\nCash Advance Fee: The fee will be added to the appropriate advance balance with the cash advance. (The amount of the cash\nadvance may include a surcharge that the ATM owner imposes.)\n10. Current DuPage Credit Union Visa Platinum Rewards and Inspire Cash Back Signature Cardholders: Upon signing an\napplication for a DuPage Credit Union Visa Platinum Advantage Credit Card, you agree to forfeit all unused Choice Rewards Points\nand Inspire Cash Back Signature Card cash back.\nUpgrading From One DuPage Credit Union Credit Card Program to Another: Upon activating your new DuPage Credit Union\nCredit Card, your old credit card will be closed and any unpaid, promotional balances will be transferred to your new DuPage Credit\nUnion Credit Card at the current purchase APR.\n11. Default: You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You\nwill be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or\nbecome insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens which the Credit\nUnion believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to\ndemand immediate payment of your full account balance without notice. If immediate payment is demanded, you will continue to pay\nfinance charges and fees until what you owe has been paid, and any savings that were given as security will be applied towards what\nyou owe. We may enter into a contingent or hourly fee arrangement with an attorney and/or collection agency to collect the amounts\nyou owe us and you agree that such arrangement is reasonable. This provision also applies to bankruptcy, appeals or post-judgment\nproceedings. You promise to pay all costs of collecting the amount you owe if your Visa account is in default. These costs will include\nreasonable attorney fees, court costs and/or collection agency fees and all other costs permitted under state law and regulation. If your\naccount is charged off all balances will revert to the highest APR on the account.\n12. Using the Card: You may use the card issued to you to make purchases in person, and by mail or telephone from merchants and\nothers who accept credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions\nparticipating in the Visa program, and from automated teller machines (ATM\xe2\x80\x99s), such as Visa ATM network, that provide access to the\nVisa system. (Not all ATM\xe2\x80\x99s provide such access.) You will need to use your Personal Identification Number (PIN) to obtain a cash\nadvance from an ATM. Illegal Transactions: You will not use your DuPage Credit Union Visa Credit Card for any illegal transaction.\nInternet Gambling: You may use your card to purchase goods and services from participating merchants. However, you may not use\nyour card to initiate any type of electronic gambling transaction through the Internet. Also, you agree that you will not use your card for\nany transaction that is illegal under applicable federal, state, or local law.\n13. Returns and Adjustments: Merchants and others who honor the Card may give credit for returns or adjustments. If your credits\nand payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or if it\nis $1 or more, refund it on your written request or automatically after 6 months.\n14. Merchant Disputes: The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the card.\nThe Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card\nif you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your\npurchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost\nmore than $50 and was made in your state or within 100 miles of your home.\n15. Foreign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S.\ndollars. The exchange rate for transactions in a foreign currency will be the rate selected by Visa from the processing date, which rate\nmay vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The\ncurrency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or\ncardholder statement posting date.\n16. Changing or Terminating Your Account: The Credit Union may change the terms of this Agreement from time to time after\ngiving you any advance notice required by law. Your use of the card after receiving notice of a change will indicate your agreement to\nthe change. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as\nwell as future transactions. Either the Credit Union or you may terminate this agreement at any time, but termination by you or the\nCredit Union will not affect your obligation to pay the account balance plus any finance charges and other charges you owe under this\nAgreement. The cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all\ncards upon request or upon termination of this Agreement whether by you or the Credit Union. Failure to surrender your cards will\nresult in a card recovery fee of $50 each, should you attempt to use the cards.\n17. Copies of Documentation: You will be charged a fee for each copy of a draft or monthly statement that you request from us.\nThe fee will be handled by the Credit Union as an adjustment to the account balance, not as a purchase and may not be charged a\nFinance Charge.\nPage 2 of 5\n\n\x0cVisa\xc2\xae Platinum Advantage\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0%\n\nIntroductory APR for 12 billing cycles from the date of\naccount opening on qualifying purchases posted within the first 90\ndays of account opening. After that, your APR will be\n\n10.50% to 18.50% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\n0% Introductory APR on balance transfers requested within the first\n90 days of account opening. This will be the rate for the next 12\nmonths for each balance transfer.\nAfter that, your APR will be 10.50% to 18.50% based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\n12.50% to 20.50% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your\nentire balance by the due date each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nIntroductory fee of $5 or 3% of the amount of the transaction,\nwhichever is greater during the first 90 day. After that, None.\nEither $5 or 3% of the amount of each cash advance, whichever is\ngreater ($50 maximum fee)\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Limit\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nNone\nUp to $25\n\nOther Fees\n\xe2\x80\xa2 Returned Convenience Check\n\xe2\x80\xa2 Expedited Card Delivery\n\xe2\x80\xa2 Card Replacement\n\n$25\n$30\n$10\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d Current DuPage Credit Union Credit cardholders do not qualify to\ntransfer their current outstanding balance from one DuPage Credit Union Credit Card to another DuPage Credit Union Credit Card at the introductory promotional rate.\nBalance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us.\nBalance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by\ntransferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.\n\n18. Effect of Agreement/Waiver: This agreement is the contract which applies to all transactions on your account even though the\nsales, cash advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any of\nits rights any number of times without losing them.\n19. Statements and Notices: You will receive a statement each month showing transactions on your account. You are responsible\nfor your minimum monthly payment even in the event your statement is late or returned to the Credit Union. Statements and notices\nPage 3 of 5\n\n\x0cwill be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered\nnotice to all.\n20. Additional Benefits/Card Enhancements: The Credit Union may from time to time offer additional services to your Account at no\nadditional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them\nat any time.\n21. Security Interest: If you give the Credit Union a specific pledge of savings by signing a separate pledge of savings for\nthis account, your account will be secured by your pledged savings. To secure your account you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you purchase through the account. If you default, we will\nhave the right to recover any of these goods that have not been paid for through our application of your payments in the\nmanner described above. Collateral securing other loans with us may also secure this account.\n22. Military Lending Act (MLA): Important information for Covered Borrowers under the Military Lending Act, effective October 3,\n2017. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent my not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nFor more information, please contact DuPage Credit Union at 800-323-2611 to receive oral disclosures of the Military Lending Act\ndisclosure and a description of the payment obligation.\n23. Consent To Contact: You give the Credit Union and third party vendors calling on our behalf, your consent to use automated\ntechnology to call or text you at the phone number(s) given by you, including your wireless number. This may be for offering products\nor services, potential fraud on your account or to collect any amounts you owe. Standard message and data rates may apply. You\nhave the right to opt out of this consent at any time.\n24. Your Billing Rights\xe2\x80\x94Keep This Notice For Future Use: This notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute or errors need to be put in writing and sent to:\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but doing so will not preserve\nyour rights. You may also contact us on the web: dupagecu.com sending a secure email by logging into your account on Online\nBanking at dupagecu.com. In your letter, give us the following information:\n\xef\x82\xb7 Your name and account number.\n\xef\x82\xb7 The dollar amount of the suspected error.\n\xef\x82\xb7 Describe the error and explain, if you can, why you believe there is an error.\n\xef\x82\xb7 If you need more information, describe the item you are not sure about.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nincorrect.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. When 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\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. 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.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay 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 settled\nbetween us.\nPage 4 of 5\n\n\x0cIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES. If you are dissatisfied with the goods or\nservices that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you\nmay 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 purchase price\nmust have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to\nyou, 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 that\naccesses 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 at: DuPage Credit Union, ATTN:\nCard Services, PO Box 3930, Naperville, IL 60567.\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.\nUSA PATRIOT ACT. Pursuant to requirements of law, including the USA Patriot Act, DuPage Credit Union is obtaining information and\nwill take necessary actions to verify your identity. Pursuant to the FACT Act address changes will only be accepted via in person and\nby mail with proper Credit Union verification. State laws require the following notices: California Residents: Regardless of your marital\nstatus, you may apply for credit in your name only. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit\nequally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers these laws. Married Wisconsin Residents: No provision of any marital\nproperty agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor\xe2\x80\x99s interest unless,\nprior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual\nknowledge of the provision. You acknowledge that you have received a copy of this Agreement that contains the Credit Union\xe2\x80\x99s terms\nand conditions by signing or using the issued card(s). Information about the costs of the Credit Card Account described in this\ndisclosure is accurate as of April 28, 2021. This information may have changed after this date. To find out what may have changed,\nplease write to us at DuPage Credit Union PO Box 3930, Naperville, Illinois 60567-3930.\nREV 4/28/2021\n\nPage 5 of 5\n\n\x0c'


b'VISA PLATINUM SECURED/VISA PLATINUM/ ONYX SMART\nREWARDS/MIT ALUMNI\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDMABZ4 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nb. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nc. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\n\nDMABZ4 (MXC503 CCM004)-e\n\n\x0cd. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\ne. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nf. Rush Fee. 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 delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\ng. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will\nbe charged to your account for each emergency replacement card that is issued to you.\nh. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\ni. Copy of Entertainment and Entertainment Draft Fee. If your account is subject to the Copy of Entertainment and\nEntertainment Draft Fee, a fee will be charged to your account as disclosed on the Disclosure accompanying this\nAgreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default and after expiration of any right you have under applicable state law to cure your default, the\nCredit Union has the right to demand immediate payment of your full account balance. If immediate payment is\ndemanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe\nhas been paid. Also, subject to applicable state law, any shares that were given as security for your account may be\napplied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 700 Technology Square, Cambridge, MA 02139 or telephone 617-253-2845 Monday\nthrough Friday 8:00 a.m. to 5:00 p.m. Eastern Time, of the loss, theft, or unauthorized use of your credit card. You may be\nliable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify\nDMABZ4 (MXC503 CCM004)-e\n\n\x0cus of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your\ncredit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\nDMABZ4 (MXC503 CCM004)-e\n\n\x0c26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\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 the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nDMABZ4 (MXC503 CCM004)-e\n\n\x0cYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nDMABZ4 (MXC503 CCM004)-e\n\n\x0c'


b'\x03\n\x03\n\x03\n\nVISA PLATINUM SECURED/VISA PLATINUM/\nONYX SMART REWARDS/MIT ALUMNI\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum Secured\n\n9.24%\n)\x15\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nVisa Platinum\n\n9.24%\n\x1c\x16\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nThis APR will vary with the market based on the Prime Rate.\nOnyx Smart Rewards\n\n12.24%\n15.24% when you open your account, based\n)\x17\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x18\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nMIT Alumni\n\n12.24%\n15.24% when you open your account, based\n)\x19\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x1a\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nAPR for Balance Transfers\n\non your creditworthiness. This APR will vary with the market based on\nthe Prime Rate.\nVisa Platinum Secured\n9.24%\n)\x1b\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nVisa Platinum\n9.24%\n)\x1c\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nThis APR will vary with the market based on the Prime Rate.\nOnyx Smart Rewards\n12.24%\n15.24% when you open your account, based on your\n)\x14\x13\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x14\x14\x03\x03\x03\x03\x03\x03\x03\x03\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\nMIT Alumni\n12.24%\n15.24% when you open your account, based on your\n)\x14\x15\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x14\x16\x03\x03\x03\x03\x03\x03\x03\x03\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum Secured\n9.24%\n)\x14\x17\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nVisa Platinum\n9.24%\n)\x14\x18\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nThis APR will vary with the market based on the Prime Rate.\nOnyx Smart Rewards\n12.24%\n15.24% when you open your account, based on your\n)\x14\x19\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x14\x1a\x03\x03\x03\x03\x03\x03\x03\x03\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nMIT Alumni\n12.24%\n15.24% when you open your account, based on your\n)\x14\x1b\x03\x03\x03\x03\x03\x03\x03\x03\x03WR\x03)\x14\x1c\x03\x03\x03\x03\x03\x03\x03\x03\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDMABY6 (MXC403 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cPenalty APR and When it Applies\n\nVisa Platinum Secured\n16.99%\n)\x15\x13\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nVisa Platinum\n16.99%\n)\x15\x14\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nOnyx Smart Rewards\n16.99%\n)\x15\x15\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nMIT Alumni\n16.99%\n)\x15\x16\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\nThis APR may be applied to your account if you:\n- Make a late payment\n\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\n- Foreign Transaction Processing Fee\n\n+RZ\x03/RQJ\x03:LOO\x03WKH\x033HQDOW\\\x03$35\x03$SSO\\" If your APRs are increased\nfor this reason, the Penalty APR will apply until you make six\nconsecutive minimum payments when due.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\n1.00%\n)\x15\x17\x03\x03\x03\x03\x03\x03\x03\x03 of each multiple currency transaction in U.S. dollars\n0.80%\n)\x15\x18\x03\x03\x03\x03\x03\x03\x03\x03 of each single currency transaction in U.S. dollars\n1.00%\n)\x15\x19\x03\x03\x03\x03\x03\x03\x03\x03 of each International transaction in U.S. dollars (maximum\n2.00% of the amount)\nfee: )\x15\x1a\x03\x03\x03\x03\x03\x03\x03\x03\n\nPenalty Fees\nUp to $25.00\n)\x15\x1b\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n- Late Payment Fee\nUp to $25.00\n)\x15\x1c\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n- Returned Payment Fee\n\x03\n+RZ\x03:H\x03:LOO\x03&DOFXODWH\x03<RXU\x03%DODQFH\x1d We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\n$SSOLFDWLRQ\x03RI\x033HQDOW\\\x03$35\x1d Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making\na payment.\nEffective Date:\nJanuary 1, 2016\nThe information about the costs of the card described in this application is accurate as of )\x16\x13\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\n\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Replacement Fee\nCopy of Entertainment and Entertainment Draft Fee\n\n)\x16\x14\x03\x03\x03\x03\x03\x03\x03\x03 or the amount of the required minimum payment,\n$25.00\nwhichever is less, if you are ten or more days late in making a\npayment.\n)\x16\x15\x03\x03\x03\x03\x03\x03\x03\x03 or the amount of the required minimum payment,\n$25.00\nwhichever is less.\n)\x16\x16\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$5.00\n)\x16\x17\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$5.00\n)\x16\x18\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$50.00\n)\x16\x19\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$75.00\n)\x16\x1a\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$15.00\n)\x16\x1b\x03\x03\x03\x03\x03\x03\x03\x03\x03\x03\n$25.00\n\n\x03\n\nDMABY6 (MXC403 CCM003)-e\n\n\x0c'


b'APPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n9.90%\nFixed\n\nAPR for Balance Transfers\n\n9.90%\nFixed\n\nAPR for Cash Advances\n\n9.90%\nFixed\nNone\n\nPenalty APR and When it Applies\nHow to avoid paying interest on\npurchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\n\nYour due date is at least 25 days after close of each billing cycle. We\nwill not charge you interest on purchases if you pay the entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or using\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nAnnual Fee\n\nNone\n\nMembership Fee\n\nNone\n\nTransaction Fees\nNone\n\xe2\x80\xa2 Balance Transfer\nNone\n\xe2\x80\xa2 Cash Advances\nUp to 1.00%\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\nUp to $25.00\n\xe2\x80\xa2 Late Payment\nNone\n\xe2\x80\xa2 Over-the-Credit-Limit\nUp to $25.00\n\xe2\x80\xa2 Returned Payment\nHow we will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new\npurchases).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\nMilitary Lending APR: Effective October 1, 2017, Federal law provides important protections to members of\nthe Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount).\n\n\x0c'