b'CONSUMER 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.\n3. 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\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDDCCV3 (MXC503 CCM004)-e\n\n\x0canother 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 foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set 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. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account\nas described on the Disclosure accompanying this Agreement.\nd. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional\ncard issued to you at account opening.\ne. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\n\nDDCCV3 (MXC503 CCM004)-e\n\n\x0cf. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ng. 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.\nh. 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.\ni. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nj. 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.\nk. 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.\nl. 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.\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, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\nDDCCV3 (MXC503 CCM004)-e\n\n\x0c12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 1725 I Street NW, Suite 150, Washington, DC 20006 or telephone (866) 820-3869\nseven (7) days a week, 24 hours a day or (410) 902-8012 seven (7) days a week, 24 hours a day, of the loss, theft, or\nunauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable\nfor unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no\nliability for unauthorized transactions made with your credit card, unless you are grossly negligent in the handling of your\ncard. 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\n\nDDCCV3 (MXC503 CCM004)-e\n\n\x0cother 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.\n26. 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. 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.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nDDCCV3 (MXC503 CCM004)-e\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- 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.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nDDCCV3 (MXC503 CCM004)-e\n\n\x0c'


b'IMPORTANT INFORMATION CONCERNING\nRATES AND FEES FOR CREDIT CARDS\nYou\xe2\x80\x99re worth more (to us).\n\nInterest Rates and Interest Charges\nMastercard Platinum Member Rewards Card\nAnnual Percentage Rate\n(APR) for Purchases and\n13.74%* - 15.74%* This APR will vary with the market based on the\nAPR for Balance Transfers Prime Rate**.\nand Cash Advances\nPenalty APR and When\nit Applies\n\nNo penalty APR\n\nHow to Avoid\nPaying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNo minimum interest charge\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\n\nhttps://www.consumerfinance.gov/ask-cfpb/category-credit-cards/\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fee\n\xe2\x80\xa2 Foreign Transaction\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases).\xe2\x80\x9d See the Credit Card Agreement and Disclosure Statement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin the Credit Card Agreement and Disclosure Statement.\nThe information about the costs of the cards described in this application is accurate as of 11/1/2019. This\ninformation may have changed after that date. To find out what may have changed, call 1-800-817-8234 or\nwrite to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848\n* The Variable rate shown here is accurate based on a Prime Rate of 4.75% as of 11/1/2019. We add a margin\nof 8.99% - 10.99% to the Prime Rate to determine the Purchase/Balance Transfers/Cash Advances Annual\nPercentage Rate of 13.74% - 15.74%. Daily Periodic Rate .037644% - .043123%.\n**The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal as of\nthe last business day of the month.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL\nINDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE,\nDIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment\nunder state or federal law if given as security are not subject to the security interest you are giving.\n\n\x0c'


b'Fort Worth Community Credit Union\nCredit Card Agreement and Disclosure Statement\nFor Your Mastercard Platinum Member Rewards Account\nNotice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement for future reference.\nTERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement covers your Mastercard (\xe2\x80\x9cAccount\xe2\x80\x9d) shown\nabove. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs this Agreement or uses the Card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and\n\xe2\x80\x9cus\xe2\x80\x9d means Fort Worth Community Credit Union. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or those designated by you under the\nterms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or someone authorized by you, to make a purchase or an\nadvance whether or not the purchase or advance is evidenced by a signed written document. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of your\nCard by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no\nbenefit. In this Agreement, any plural terms shall be deemed singular and any singular terms shall be deemed plural when context and\nconstruction so require.\nEXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an Account in your name and cause one\nor more Cards to be issued to you or those designated by you. In such event, you authorize us to pay for your Account all items reflecting\ncredit purchases, balance transfers, and cash advances obtained through use of the Card.\nJOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each of you shall be jointly and individually\nliable to us for all charges made to the Account, including applicable fees. In addition, you agree that each of you designates the other as\nagent for the purpose of making purchases extended under this Agreement and each use of your Account shall be an extension of credit\nto all. Notice to one of you shall constitute notice to all. Any joint cardholder may remove him/herself from responsibility for future\npurchases at any time by notifying us in writing. However, removal from the Account does not release you from any liability already\nincurred.\nCONVENIENCE CHECKS: We may, at our discretion, issue checks to you which may be used for any purpose other than making\na payment for credit to your Account. By signing such checks, you authorize us to pay the item for the amount indicated and post\nsuch amount as a cash advance to your Account. We do not have to pay any item which would cause the outstanding balance in\nyour Account to exceed your credit limit. Checks used to access your account may not be accepted in a format other than the checks\nreceived; unacceptable forms may include converting the checks to an e-check, a telephone initiated check, or other form. Charges that\napply in connection with the use of Convenience Checks are as follows: Copy of Paid Convenience Check $5.00; Stop Payment on\nConvenience Check $20.00; Convenience Check Reorder Fee $4.00; Non-Sufficient Funds Check (NSF) $25.00 or an amount\nequal to the amount for which the Convenience Check is drawn, whichever is less. Fees will be assessed at the time they are incurred.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable for all credit extended to such\npersons. You promise to pay for all purchases, balance transfers, and cash advances made by anyone whom you authorize to use your\nCard, whether or not you notify us that he or she will be using it. If someone else is authorized to use your Card and you want to end\nthat person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a Card, you must return the Card with your written notice for\nit to be effective.\nCREDIT LIMITS: You promise that payments we make for your Account resulting from use of the Card will at no time cause the\noutstanding balance of your Account to exceed your credit limit as established by us or as adjusted from time to time at our discretion.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or\nanyone whom you authorize to use the Card or Account; (b) INTEREST CHARGES and other charges or fees; (c) collection costs and\nattorney\xe2\x80\x99s fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you. At the end of each monthly billing cycle for which you have a balance on your Account, you will be\nfurnished with a periodic statement showing (i) the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the Account at the beginning of the\nbilling cycle), (ii) the amount of all cash advances, purchases, balance transfers, Late Charges, Annual Fees, INTEREST CHARGES,\nand other charges or fees posted to your Account during the billing cycle, (iii) the amount of all payments and credits posted to your\nAccount during the billing cycle, and (iv) the \xe2\x80\x9cNew Balance\xe2\x80\x9d which is the sum of (i) and (ii) minus (iii).\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the monthly periodic statement the entire New Balance or a Minimum\nPayment equal to an amount which is at least 2% of the New Balance or $18.00, whichever is greater, plus any amount in excess of\nthe credit limit established by us and any past due minimum payments. If the New Balance is $18.00 or less, you agree to pay it in full.\nYou may make extra payments in advance of the due date without a penalty, and you may repay any funds advanced, credit extended,\nor amount outstanding at any time without a penalty for early payment. Regardless of the amount of any extra payment during a given\nmonth, a monthly payment will be required the following month if a balance remains.\nCOST OF CREDIT: You will pay an INTEREST CHARGE for all advances made against your Account. INTEREST CHARGES\nfor cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. If you have paid your Account\nin full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay\nyour Account balance before an INTEREST CHARGE on new purchases will be imposed. Otherwise, there is no grace period and\nnew purchases will incur an INTEREST CHARGE from the date they are posted to the Account.\nThe ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) for all advances is variable and may increase. The variable ANNUAL PERCENTAGE\nRATE is based on a margin as determined by us based on your credit limit and an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as\npublished in the Money Rates section of The Wall Street Journal on the last business day of the month. The variable ANNUAL\nPERCENTAGE RATE is subject to change monthly on the first day of each month. If the last day of the month does not fall on\na business day in any given month, we will use the Prime Rate published on the last business day for that month. Any change in the Index\nwill be effective on the first day of the billing cycle that ends on or after the date of the change. An increase in the Index will result in an\nincrease in the periodic rate, which in turn, may result in higher payments. APR changes due to changes in the Index will affect both existing\nand future balances. The variable ANNUAL PERCENTAGE RATE for all advances in any given billing cycle will be the margin plus the\nIndex. Your specific margin, the Daily Periodic Rate, and the corresponding ANNUAL PERCENTAGE RATE for all advances as of the\nAccount opening date are set forth in the Account Opening Disclosures included with this Agreement. The ANNUAL PERCENTAGE RATE\nwill never be higher than 17.99% (.049288% Daily Periodic Rate). If the Index ceases to be published or is otherwise unavailable, we may\nsubstitute a substantially similar index.\n\t\t\t\t\n\n\x0cThe INTEREST CHARGE is figured by applying the Daily Periodic Rate to the \xe2\x80\x9cBalance Subject to INTEREST CHARGE\xe2\x80\x9d which\nis the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your Account, including current transactions. The Average Daily Balance is arrived at by taking the\nbeginning balance of your Account each day, adding in any new cash advances (including balance transfers and convenience checks),\nand unless you pay your Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous\nbalance, adding in new purchases, and subtracting any payments or credits and unpaid INTEREST CHARGE. This gives us the\ndaily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle.\nThe result is the Average Daily Balance. The INTEREST CHARGE is determined by multiplying the Average Daily Balance by the\nnumber of days in the billing cycle and applying the periodic rate to the product.\nNo additional INTEREST CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the\nstatement is paid in full by the Payment Due Date reflected on the statement. The Payment Due Date is not less than 25 days from the\nbilling cycle closing date shown on your statement.\nLATE PAYMENT FEE: We will charge a Late Payment Fee of $25 or an amount equal to the Minimum Payment for the applicable\nstatement period, whichever is less, if we do not receive the required minimum payment for your Account within 15 days of the Payment\nDue Date.\nRETURNED PAYMENT FEE: We will charge a Returned Payment Fee of $25 or an amount equal to the Minimum Payment for the\napplicable statement period, whichever is less, each time you make a payment that is returned unpaid for any reason. We will charge this\nfee the first time a payment is returned unpaid, even if it is paid upon resubmission.\nLate Payment Fees and Returned Payment Fees will be added to the balance of your Account and treated as a purchase.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. If you notice the loss or theft\nof your Card or a possible unauthorized use of your Card, you should call us or our designee immediately at: (800) 817-8234 (Credit\nUnion - Business Hours Only) (800) 442-4757 (Credit Card Center - 24 Hours)\nYou may also write to us or our designee at:\nFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nAlthough you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep\nyour possible losses down.\nUnder Mastercard\xe2\x80\x99s zero liability policy, you will not be liable for any unauthorized use of your Mastercard if (i) you have exercised reasonable\ncare in safeguarding the card from risk of loss or theft, and (ii) upon becoming aware of the loss or theft, promptly report the loss or theft to\nus. If you do not meet these conditions, your liability will not exceed $50. You will not be liable for any unauthorized use that occurs after you\nnotify us.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that\noccurs before your notice to us. In any case, your liability will not exceed $50.00.\nCREDITING OF PAYMENTS: We do not charge for payments made by regular mail service or any other standard payment methods\nwe accept. If we charge a fee for any expedited payment service we offer, that fee will be disclosed at the time you request the service.\nAll payments made on your Account at the address designated for payment on the monthly periodic statement or by any other approved\npayment methods will generally be credited to your Account on the date of receipt. If the date of receipt for a mailed payment is not a\nbusiness day, the payment may not be credited until the first business day following receipt. Payments received in person by one of our\nbranch employees before the close of business will receive same-day credit. A payment submitted in the form of a check or other paper\ndocument may be converted to an electronic transaction through procedures established by the National Automated Clearing House\nAssociation. If this occurs, the original check or other document sent to us will not be retained, but a copy will be available if requested.\nAll minimum payments on your Account will be applied first to collection costs, then to any INTEREST CHARGE due as reflected on\nthe most recent periodic statement, then to any fees due, and the remainder to the unpaid principal balance. Payments received in excess\nof the minimum required payment will be applied first to the balance with the highest interest rate, if applicable. Interest paid or agreed to\nbe paid shall not exceed the maximum amount permissible under applicable law, and in any contingency whatsoever, if we shall receive\nanything of value deemed interest under applicable law that would exceed the maximum amount of interest permissible under applicable\nlaw, the excessive interest shall be applied to the reduction of the unpaid principal amount or refunded to you.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE\nUNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY\nCARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal\nlaw if given as security are not subject to the security interest you are giving.\nAdditional Security: If you have other loans with us, now or in the future, collateral securing those loans may also\nsecure your obligations under this Agreement. Please read any security agreement you sign in order to determine\nif the collateral also secures your obligations under this Agreement and other agreements you have with us.\nDEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep any promises you have made\nunder this or any other agreement with us; (3) if you become insolvent or are the subject of an order of relief under Title 11 of the U.S.\nCode (Bankruptcy); (4) if anyone tries, by legal process, to take any of your money maintained with us; (5) if you have given us false or\ninaccurate information in obtaining your Card; or (6) if we reasonably believe that you are unable or unwilling to repay your obligations\nto us.\nACCELERATION: If you are in default, without notice to you we may accelerate your debt and call any amounts you owe immediately\ndue and payable, plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any\nright to notice of our intention to accelerate and notice that your debt has been accelerated.\n\n\x0cTERMINATION AND CHANGES: You may terminate this Agreement, by written notice, as to future advances at any time. We can\nterminate this Agreement at any time subject to such notice as may be required by applicable law. Termination by either party shall not\naffect your obligation to repay any payments made for your Account resulting from use of the Card as well as INTEREST CHARGES\nand other related charges. We may add to, change, or delete the terms of this Agreement, including the periodic rate, at any time subject\nto such notice as may be required by applicable law. If you use your Card or Account to make a purchase or cash advance or balance\ntransfer after having been given notice of a change in terms, you agree that the existing balance in your Account at the time of that use\nwill be subject to the new terms, as shall subsequent uses, to the extent permitted by law.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING AGENCIES: We may\nreport the status and payment history of your Account to credit reporting agencies each month. If you believe that the\ninformation we have reported is inaccurate or incomplete, please notify us in writing at Fort Worth Community Credit\nUnion, P.O. Box 210848, Bedford, TX 76095. Please include your name, address, home telephone number and Account\nnumber.\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT: By using the Card, you agree to all the terms\nand conditions and promise to perform all the obligations, requirements, and duties contained in this Agreement, and you acknowledge receipt of\na copy of this Agreement.\nCREDIT INVESTIGATION: In conjunction with your application for credit and, if approved, maintenance of your Account, you\nagree that we have the right to investigate your credit and employment history, to verify your credit references, to request and use credit\nreports, and to report the way you pay your Account to credit bureaus and other interested parties.\nMILITARY COVERED BORROWERS: If you are a member of the Armed Forces or a dependent of any such member covered by the\nfederal Military Lending Act, federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account). To receive an oral disclosure of the foregoing and information concerning your\npayment obligation under this Agreement, please call (800) 817-8234. The Promise to Pay section of this Agreement also sets forth the\nterms of your payment obligation.\nTELEPHONE MONITORING AND CONTACTING YOU: To ensure quality service, you agree that we, our agents, and our\nservice provider may monitor and/or record any telephone communications with you. By providing your telephone numbers to us,\nincluding any cellular telephone number, you represent that you are the subscriber and/or customary user of such telephone numbers.\nTo the extent permitted by applicable law, you agree that we, our agents, and our service provider may contact you for any purpose\n(including collection purposes) at any telephone number or email address you have provided to us, or from which you call or email\nus, or which we have obtained and believe you can be contacted at. We may contact you by voice, text, email, or any other available\nmeans. Voice calls and text messages may be made using any available technology such as an autodialer and/or a prerecorded\nor artificial voice. Message and data rates may apply. If you change, cancel, or reassign any of your telephone numbers or email\naddresses, you agree to notify us promptly. You agree to hold us harmless for any misrepresentation or non-compliance with the terms\nof this section.\nADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the total Agreement and cannot in any\nway be severed from it. However, if any provision of this Agreement is finally determined to be void or unenforceable under any law,\nrule, or regulation, all other provisions of this Agreement will remain valid and enforceable. You understand that this Agreement is\nperformable in the county and state of the Credit Union shown above in this Agreement, and the validity, construction, and enforcement\nof this Agreement shall be governed by applicable federal law and the laws of the state in which the Credit Union shown above is\nprimarily located. We do not warrant any merchandise or services purchased by you with the Card. All purchases and cash advances are\nextended at the option of the merchant or cash-advancing financial institution and we are not responsible for the refusal of any merchant\nor financial institution to honor your Card. The Card remains our property at all times, and you agree to immediately surrender the Card\nupon demand. You agree to pay all reasonable costs of collection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the\nrecovery of the Card. We can accept late payments or partial payments, or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without\nlosing any of our rights under this Agreement. We can also waive or delay enforcing any of our rights under this Agreement without\nlosing our right to enforce them in the future. You expressly waive presentment for payment, demand, protest, and notice of protest\nand dishonor of same. You agree to give us prompt notice of any change in your name, mailing address, telephone number or place of\nemployment.\nYou may not use your Card for any illegal transaction. You agree that we may decline to process any transaction which we believe in\ngood faith to be for an illegal purpose. You agree that we will not be liable for declining to process any such transaction. If we do process\nany transaction which ultimately is determined to have been for an illegal purpose, you agree that you will remain liable to us under this\nAgreement for any such transaction notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act of\ndefault under this Agreement. You further agree to waive any right to take legal action against us for your illegal use of the Card and to\nindemnify and hold us, Mastercard International, Incorporated harmless from and against any lawsuits, other legal action, or liability that\nresults directly or indirectly from such illegal use.\nIf you perform an international transaction with your Mastercard, part of Mastercard\xe2\x80\x99s currency conversion procedure includes use of either\na government-mandated exchange rate or a wholesale exchange rate selected by Mastercard. The government-mandated exchange rate or\nwholesale exchange rate Mastercard uses for a particular transaction is the rate Mastercard selects for the applicable currency on the date the\ntransaction is processed, which may differ from the rate selected on the date the transaction occurred or the date the transaction is posted to\nyour Account. Additionally, we will charge a Foreign Transaction Fee of up to 1% of the transaction amount (.9% for the Mastercard Issuer\nCross-border Assessment and .2% for the Mastercard Currency Conversion Assessment) on all international purchases, cash disbursements,\nand Account credit transactions, whether originally made in U.S. dollars or converted from a foreign currency. There is no grace period within\nwhich to repay international transactions in order to avoid the Foreign Transaction Fee.\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\n\n\x0cIf you think there is an error on your statement, write to us at:\nFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your statement, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question along with applicable interest and fees. We will\nsend 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 pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your statement 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 statement. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen 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 correct.\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the\nfollowing 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 must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we\nown 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 accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at:\nFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nNew York & Vermont Residents: Upon your request, we will inform you of the name and address of each credit-reporting agency from which we\nobtained a credit report relating to you. New York residents may request a comparative listing of credit card rates, fees, and grace periods by writing\nto: Public Information, New York State Banking Department, 2 Rector Street, New York, NY 10006-1894 or by calling 1-800-522-3330.\n\n\x0cCalifornia Residents: (1) You have the right to prohibit us from disclosing to marketers of good marketing informa\xc2\xadtion concerning you that\ndiscloses your identity. You may exercise your right by calling us at 1-800-820-8302; (2) If you are a married applicant you may apply for\ncredit in your own name; (3) Applicants may, after credit approval, use the credit card up to its credit limit and may be liable for amounts\nextended under the plan to any joint applicant; (4) As required by law, you are hereby notified that a nega\xc2\xadtive credit report reflecting on your\ncredit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nMaine Residents: Consumer Reports (credit reports) may be requested in connection with this application. Upon request, you will be\ninformed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that\nfurnished the report.\nOhio Residents: The Ohio laws against discrimination re\xc2\xadquire that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nRhode Island: Consumer reports may be requested with this application.\nWisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to marital property will\naffect a creditor\xe2\x80\x99s interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or\nstatement, or has actual knowledge of the adverse provision.\nCUSTOMER SERVICE: 1-800-442-4757 \xe2\x80\x93 24 hours a day/7 days a week. (Please have account information available.)\nRev. 10/18\n\n\x0c'


b'Fort Worth Community Credit Union\nCredit Card Agreement and Disclosure Statement\nFor Your Mastercard Platinum or VISA Platinum Account\nNotice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement for future reference.\nTERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement covers your Mastercard and/or VISA Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) shown above. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs this Agreement or uses the Card.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d means Fort Worth Community Credit Union. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or those designated\nby you under the terms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or someone authorized by you, to make\na purchase or an advance whether or not the purchase or advance is evidenced by a signed written document. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means\nthe use of your Card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which\nyou receive no benefit. In this Agreement, any plural terms shall be deemed singular and any singular terms shall be deemed plural when\ncontext and construction so require.\nEXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an Account in your name and cause one\nor more Cards to be issued to you or those designated by you. In such event, you authorize us to pay for your Account all items reflecting\ncredit purchases, balance transfers, and cash advances obtained through use of the Card.\nJOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each of you shall be jointly and individually\nliable to us for all charges made to the Account, including applicable fees. In addition, you agree that each of you designates the other as\nagent for the purpose of making purchases extended under this Agreement and each use of your Account shall be an extension of credit\nto all. Notice to one of you shall constitute notice to all. Any joint cardholder may remove him/herself from responsibility for future\npurchases at any time by notifying us in writing. However, removal from the Account does not release you from any liability already\nincurred.\nCONVENIENCE CHECKS: We may, at our discretion, issue checks to you which may be used for any purpose other than making\na payment for credit to your Account. By signing such checks, you authorize us to pay the item for the amount indicated and post\nsuch amount as a cash advance to your Account. We do not have to pay any item which would cause the outstanding balance in\nyour Account to exceed your credit limit. Checks used to access your account may not be accepted in a format other than the checks\nreceived; unacceptable forms may include converting the checks to an e-check, a telephone initiated check, or other form. Charges that\napply in connection with the use of Convenience Checks are as follows: Copy of Paid Convenience Check $5.00; Stop Payment on\nConvenience Check $20.00; Convenience Check Reorder Fee $4.00; Non-Sufficient Funds Check (NSF) $25.00 or an amount\nequal to the amount for which the Convenience Check is drawn, whichever is less. Fees will be assessed at the time they are incurred.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable for all credit extended to such\npersons. You promise to pay for all purchases, balance transfers, and cash advances made by anyone whom you authorize to use your\nCard, whether or not you notify us that he or she will be using it. If someone else is authorized to use your Card and you want to end\nthat person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a Card, you must return the Card with your written notice for\nit to be effective.\nCREDIT LIMITS: You promise that payments we make for your Account resulting from use of the Card will at no time cause the\noutstanding balance of your Account to exceed your credit limit as established by us or as adjusted from time to time at our discretion.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or\nanyone whom you authorize to use the Card or Account; (b) INTEREST CHARGES and other charges or fees; (c) collection costs and\nattorney\xe2\x80\x99s fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you. At the end of each monthly billing cycle for which you have a balance on your Account, you will be\nfurnished with a periodic statement showing (i) the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the Account at the beginning of the\nbilling cycle), (ii) the amount of all cash advances, purchases, balance transfers, Late Charges, Annual Fees, INTEREST CHARGES,\nand other charges or fees posted to your Account during the billing cycle, (iii) the amount of all payments and credits posted to your\nAccount during the billing cycle, and (iv) the \xe2\x80\x9cNew Balance\xe2\x80\x9d which is the sum of (i) and (ii) minus (iii).\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the monthly periodic statement the entire New Balance or a Minimum\nPayment equal to an amount which is at least 2% of the New Balance or $18.00, whichever is greater, plus any amount in excess of\nthe credit limit established by us and any past due minimum payments. If the New Balance is $18.00 or less, you agree to pay it in full.\nYou may make extra payments in advance of the due date without a penalty, and you may repay any funds advanced, credit extended,\nor amount outstanding at any time without a penalty for early payment. Regardless of the amount of any extra payment during a given\nmonth, a monthly payment will be required the following month if a balance remains.\nCOST OF CREDIT: You will pay an INTEREST CHARGE for all advances made against your Account. INTEREST CHARGES\nfor cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. If you have paid your Account\nin full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay\nyour Account balance before an INTEREST CHARGE on new purchases will be imposed. Otherwise, there is no grace period and\nnew purchases will incur an INTEREST CHARGE from the date they are posted to the Account.\nExcept for Share Secured Mastercard and Share Secured VISA Accounts, until the first day of the billing cycle that includes the (6) six\nmonth anniversary date of the opening of your Account, you will pay an INTEREST CHARGE for purchases made at the Introductory\nRate daily periodic rate of 0.021644%, which has a corresponding ANNUAL PERCENTAGE RATE of 7.9%. Thereafter, and at\nall times for the Share Secured Mastercard and Share Secured VISA Accounts, the periodic rate used to compute the INTEREST\nCHARGE for purchases is as provided below. For all Accounts and at all times, the periodic rate used to compute the INTEREST\nCHARGE for cash advances and balance transfers is as provided below:\n\t\t\n\t\t\t\t\nDaily Periodic Rate\n\t\t\nANNUAL PERCENTAGE RATE\n\t\t\n\t\t\t\t\nPlatinum Mastercard and VISA\n\t\t .027123% - .038082%\n\t\t\t\t\n9.9% - 13.9%\nShare Secured Platinum Mastercard and VISA\n\n.027123%\n\n\t\t\t\t\n\n9.9%\n\n\x0cThe INTEREST CHARGE is figured by applying the Daily Periodic Rate to the \xe2\x80\x9cBalance Subject to INTEREST CHARGE\xe2\x80\x9d which\nis the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your Account, including current transactions. The Average Daily Balance is arrived at by taking the\nbeginning balance of your Account each day, adding in any new cash advances (including balance transfers and convenience checks),\nand unless you pay your Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous\nbalance, adding in new purchases, and subtracting any payments or credits and unpaid INTEREST CHARGE. This gives us the daily\nbalance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result\nis the Average Daily Balance. The INTEREST CHARGE is determined by multiplying the Average Daily Balance by the number of\ndays in the billing cycle and applying the periodic rate to the product.\nNo additional INTEREST CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the\nstatement is paid in full by the Payment Due Date reflected on the statement. The Payment Due Date is not less than 25 days from the\nbilling cycle closing date shown on your statement.\nLATE PAYMENT FEE: We will charge a Late Payment Fee of $25 or an amount equal to the Minimum Payment for the applicable\nstatement period, whichever is less, if we do not receive the required minimum payment for your Account within 15 days of the Payment\nDue Date.\nRETURNED PAYMENT FEE: We will charge a Returned Payment Fee of $25 or an amount equal to the Minimum Payment for the\napplicable statement period, whichever is less, each time you make a payment that is returned unpaid for any reason. We will charge this\nfee the first time a payment is returned unpaid, even if it is paid upon resubmission.\nLate Payment Fees and Returned Payment Fees will be added to the balance of your Account and treated as a purchase.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. If you notice the loss or theft\nof your Card or a possible unauthorized use of your Card, you should call us or our designee immediately at: (800) 817-8234 (Credit\nUnion - Business Hours Only) (800) 442-4757 (Credit Card Center - 24 Hours)\nYou may also write to us or our designee at:\nFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nAlthough you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep\nyour possible losses down.\nUnder Mastercard\xe2\x80\x99s zero liability policy, you will not be liable for any unauthorized use of your Mastercard if (i) you have exercised reasonable\ncare in safeguarding the card from risk of loss or theft, and (ii) upon becoming aware of the loss or theft, promptly report the loss or theft to\nus. If you do not meet these conditions, your liability will not exceed $50. You will not be liable for any unauthorized use that occurs after you\nnotify us.\nUnder VISA\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use of your VISA Card once you notify us orally or in writing of the\nloss, theft, or possible unauthorized use. VISA\xe2\x80\x99s zero liability policy does not apply if you are negligent or fraudulent in the handling of your\naccount or your Card, nor does it apply in the case of cash advances obtained at an ATM , except for U.S. ATM transactions sent over the VISA\nand Plus networks.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that\noccurs before your notice to us. In any case, your liability will not exceed $50.00.\nCREDITING OF PAYMENTS: We do not charge for payments made by regular mail service or any other standard payment methods\nwe accept. If we charge a fee for any expedited payment service we offer, that fee will be disclosed at the time you request the service.\nAll payments made on your Account at the address designated for payment on the monthly periodic statement or by any other approved\npayment methods will generally be credited to your Account on the date of receipt. If the date of receipt for a mailed payment is not a\nbusiness day, the payment may not be credited until the first business day following receipt. Payments received in person by one of our\nbranch employees before the close of business will receive same-day credit. A payment submitted in the form of a check or other paper\ndocument may be converted to an electronic transaction through procedures established by the National Automated Clearing House\nAssociation. If this occurs, the original check or other document sent to us will not be retained, but a copy will be available if requested.\nAll minimum payments on your Account will be applied first to collection costs, then to any INTEREST CHARGE due as reflected on\nthe most recent periodic statement, then to any fees due, and the remainder to the unpaid principal balance. Payments received in excess\nof the minimum required payment will be applied first to the balance with the highest interest rate, if applicable. Interest paid or agreed to\nbe paid shall not exceed the maximum amount permissible under applicable law, and in any contingency whatsoever, if we shall receive\nanything of value deemed interest under applicable law that would exceed the maximum amount of interest permissible under applicable\nlaw, the excessive interest shall be applied to the reduction of the unpaid principal amount or refunded to you.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE\nUNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY\nCARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal\nlaw if given as security are not subject to the security interest you are giving.\nAdditional Security: If you have other loans with us, now or in the future, collateral securing those loans may also\nsecure your obligations under this Agreement. Please read any security agreement you sign in order to determine\nif the collateral also secures your obligations under this Agreement and other agreements you have with us.\nDEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep any promises you have made\nunder this or any other agreement with us; (3) if you become insolvent or are the subject of an order of relief under Title 11 of the U.S.\nCode (Bankruptcy); (4) if anyone tries, by legal process, to take any of your money maintained with us; (5) if you have given us false or\ninaccurate information in obtaining your Card; or (6) if we reasonably believe that you are unable or unwilling to repay your obligations\nto us.\n\n\x0cACCELERATION: If you are in default, without notice to you we may accelerate your debt and call any amounts you owe immediately\ndue and payable, plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any\nright to notice of our intention to accelerate and notice that your debt has been accelerated.\nTERMINATION AND CHANGES: You may terminate this Agreement, by written notice, as to future advances at any time. We can\nterminate this Agreement at any time subject to such notice as may be required by applicable law. Termination by either party shall not\naffect your obligation to repay any payments made for your Account resulting from use of the Card as well as INTEREST CHARGES\nand other related charges. We may add to, change, or delete the terms of this Agreement, including the periodic rate, at any time subject\nto such notice as may be required by applicable law. If you use your Card or Account to make a purchase or cash advance or balance\ntransfer after having been given notice of a change in terms, you agree that the existing balance in your Account at the time of that use\nwill be subject to the new terms, as shall subsequent uses, to the extent permitted by law.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING AGENCIES: We may\nreport the status and payment history of your Account to credit reporting agencies each month. If you believe that the\ninformation we have reported is inaccurate or incomplete, please notify us in writing at Fort Worth Community Credit\nUnion, P.O. Box 210848, Bedford, TX 76095. Please include your name, address, home telephone number and Account\nnumber.\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT: By using the Card, you agree to all the terms\nand conditions and promise to perform all the obligations, requirements, and duties contained in this Agreement, and you acknowledge receipt of\na copy of this Agreement.\nCREDIT INVESTIGATION: In conjunction with your application for credit and, if approved, maintenance of your Account, you\nagree that we have the right to investigate your credit and employment history, to verify your credit references, to request and use credit\nreports, and to report the way you pay your Account to credit bureaus and other interested parties.\nMILITARY COVERED BORROWERS: If you are a member of the Armed Forces or a dependent of any such member covered by the\nfederal Military Lending Act, federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account). To receive an oral disclosure of the foregoing and information concerning your\npayment obligation under this Agreement, please call (800) 817-8234. The Promise to Pay section of this Agreement also sets forth the\nterms of your payment obligation.\nTELEPHONE MONITORING AND CONTACTING YOU: To ensure quality service, you agree that we, our agents, and our\nservice provider may monitor and/or record any telephone communications with you. By providing your telephone numbers to us,\nincluding any cellular telephone number, you represent that you are the subscriber and/or customary user of such telephone numbers.\nTo the extent permitted by applicable law, you agree that we, our agents, and our service provider may contact you for any purpose\n(including collection purposes) at any telephone number or email address you have provided to us, or from which you call or email\nus, or which we have obtained and believe you can be contacted at. We may contact you by voice, text, email, or any other available\nmeans. Voice calls and text messages may be made using any available technology such as an autodialer and/or a prerecorded\nor artificial voice. Message and data rates may apply. If you change, cancel, or reassign any of your telephone numbers or email\naddresses, you agree to notify us promptly. You agree to hold us harmless for any misrepresentation or non-compliance with the terms\nof this section.\nADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the total Agreement and cannot in any\nway be severed from it. However, if any provision of this Agreement is finally determined to be void or unenforceable under any law,\nrule, or regulation, all other provisions of this Agreement will remain valid and enforceable. You understand that this Agreement is\nperformable in the county and state of the Credit Union shown above in this Agreement, and the validity, construction, and enforcement\nof this Agreement shall be governed by applicable federal law and the laws of the state in which the Credit Union shown above is\nprimarily located. We do not warrant any merchandise or services purchased by you with the Card. All purchases and cash advances are\nextended at the option of the merchant or cash-advancing financial institution and we are not responsible for the refusal of any merchant\nor financial institution to honor your Card. The Card remains our property at all times, and you agree to immediately surrender the Card\nupon demand. You agree to pay all reasonable costs of collection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the\nrecovery of the Card. We can accept late payments or partial payments, or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without\nlosing any of our rights under this Agreement. We can also waive or delay enforcing any of our rights under this Agreement without\nlosing our right to enforce them in the future. You expressly waive presentment for payment, demand, protest, and notice of protest\nand dishonor of same. You agree to give us prompt notice of any change in your name, mailing address, telephone number or place of\nemployment.\nYou may not use your Card for any illegal transaction. You agree that we may decline to process any transaction which we believe in\ngood faith to be for an illegal purpose. You agree that we will not be liable for declining to process any such transaction. If we do process\nany transaction which ultimately is determined to have been for an illegal purpose, you agree that you will remain liable to us under this\nAgreement for any such transaction notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act\nof default under this Agreement. You further agree to waive any right to take legal action against us for your illegal use of the Card and\nto indemnify and hold us, VISA International, Incorporated and/or Mastercard International, Incorporated harmless from and against any\nlawsuits, other legal action, or liability that results directly or indirectly from such illegal use.\nFor VISA Cardholders, you acknowledge that we may provide personal data concerning you to VISA U.S.A., its Members, or their\nrespective contractors for the purpose of providing you with VISA Emergency Cash and Emergency Card Replacement Services, and\nyou consent to the release of your information for these purposes.\nIf you effect an international transaction with your VISA Card, the rate of exchange between the transaction currency and the billing\ncurrency used for processing the international transaction will be a rate selected by VISA from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives or the governmentmandated rate in effect for the applicable central processing date; and in each instance, a Foreign Transaction Fee in U.S. dollars of up\nto 1% of the transaction amount. The Foreign Transaction Fee will apply to all international purchases, cash disbursements, and account\ncredit transactions, whether originally made in U.S. dollars or converted from a foreign currency. There is no grace period within which\nto repay international transactions in order to avoid the Foreign Transaction Fee.\n\n\x0cIf you perform an international transaction with your Mastercard, part of Mastercard\xe2\x80\x99s currency conversion procedure includes use of either\na government-mandated exchange rate or a wholesale exchange rate selected by Mastercard. The government-mandated exchange rate or\nwholesale exchange rate Mastercard uses for a particular transaction is the rate Mastercard selects for the applicable currency on the date the\ntransaction is processed, which may differ from the rate selected on the date the transaction occurred or the date the transaction is posted to\nyour Account. Additionally, we will charge a Foreign Transaction Fee of up to 1% of the transaction amount (.9% for the Mastercard Issuer\nCross-border Assessment and .2% for the Mastercard Currency Conversion Assessment) on all international purchases, cash disbursements,\nand Account credit transactions, whether originally made in U.S. dollars or converted from a foreign currency. There is no grace period within\nwhich to repay international transactions in order to avoid the Foreign Transaction Fee.\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:\nFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your statement, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question along with applicable interest and fees. We will\nsend 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 pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your statement 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 statement. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen 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 correct.\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the\nfollowing 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 must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we\nown 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 accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at:\n\n\x0cFort Worth Community Credit Union\nc/o Credit Card Center\nPO Box 495937\nCincinnati, OH 45249-5937\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nNew York & Vermont Residents: Upon your request, we will inform you of the name and address of each credit-reporting agency from which we\nobtained a credit report relating to you. New York residents may request a comparative listing of credit card rates, fees, and grace periods by writing\nto: Public Information, New York State Banking Department, 2 Rector Street, New York, NY 10006-1894 or by calling 1-800-522-3330.\nCalifornia Residents: (1) You have the right to prohibit us from disclosing to marketers of good marketing informa\xc2\xadtion concerning you that\ndiscloses your identity. You may exercise your right by calling us at 1-800-820-8302; (2) If you are a married applicant you may apply for\ncredit in your own name; (3) Applicants may, after credit approval, use the credit card up to its credit limit and may be liable for amounts\nextended under the plan to any joint applicant; (4) As required by law, you are hereby notified that a nega\xc2\xadtive credit report reflecting on your\ncredit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nMaine Residents: Consumer Reports (credit reports) may be requested in connection with this application. Upon request, you will be\ninformed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that\nfurnished the report.\nOhio Residents: The Ohio laws against discrimination re\xc2\xadquire that all creditors make credit equally available to all credit worthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nRhode Island: Consumer reports may be requested with this application.\nWisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to marital property will\naffect a creditor\xe2\x80\x99s interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or\nstatement, or has actual knowledge of the adverse provision.\nCUSTOMER SERVICE: 1-800-442-4757 \xe2\x80\x93 24 hours a day/7 days a week. (Please have account information available.)\nRev. 09/18\n\n\x0c'