b'Truth in Lending Disclosure\nMilitary APR Disclosure\nVisa\xc2\xae Credit Cardholder Agreement\nEffective October 21, 2020\nThis document contains the terms which govern your Credit Union Visa credit card Account (\xe2\x80\x9cAccount\xe2\x80\x9d). Please review this document and keep it for your\nrecords. In this document the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the individual(s) who requested the Account or to whom we issued an account. \xe2\x80\x9cCard\xe2\x80\x9d means the\nVisa Credit Card and any duplicates and renewals the Credit Union issues. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Local Government Federal Credit\nUnion, the issuer of the Card. \xe2\x80\x9cOur Mailing Address\xe2\x80\x9d is Cardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540. Our business days are Monday through\nFriday, 8:30 am to 5:30 pm. Holidays are not included. Contact your local branch or if you need assistance outside of the Credit Union\xe2\x80\x99s normal business hours,\nplease call us at 1-888-732-8562. Calls to the Credit Union may be recorded.\nThese Rules and Regulations apply to any Credit Union Visa credit card (\xe2\x80\x9cCard\xe2\x80\x9d) issued, or to be issued, by the Credit Union. Any Credit Union member\n(\xe2\x80\x9cCardholder\xe2\x80\x9d) who applies for, signs, accepts, uses, or authorizes the use of the Card agrees to be bound by these Rules and Regulations, and agrees that they\nshall constitute the agreement between the Credit Union and the Cardholder governing the use of the Card. Furthermore, by signing the Card as specified\nherein, the Cardholder expressly agrees to be bound by the provisions of these Rules and Regulations as to the rates and charges applicable to use of the Card.\nIf you do not agree to this Agreement, do not sign or use your Card and immediately contact your local branch or call us at 1-888-732-8562 to block the Card.\nCalls to the Credit Union may be recorded.\nNotifications and Changes: Any notice required to be given by these Rules and Regulations, by law, or desired to be given by the Credit Union will be\nconsidered given if and when posted in the United States mail, postage prepaid, and addressed to the Cardholder at the last known address as shown on the\nCredit Union\xe2\x80\x99s records. The Credit Union may modify or amend this Agreement, from time to time, upon 45 days advance written notice to the Cardholder. The\nnew terms, including any increase or decrease in the charges, will apply to both new Cash Advances and Purchases made on and after the effective date. The\nCardholder can contact the Credit Union at any time to determine if changes have been made to this agreement since the date this document was printed. Call\nus at 1-888-732-8562 or write to us at Our Mailing Address. Calls to the Credit Union may be recorded.\nOwnership, Termination and Expiration: The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by\nlaw, such as if we suspect possible fraud or suspicious activity, or for security reasons. The Card remains the property of the Credit Union at all times. We may,\nat any time and for any reason, terminate a Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the last\ncalendar day of the month of the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Account and we\nmay decline to authorize a transaction with the Account. You agree not to use or attempt to use any expired or revoked Account to obtain credit. You or\nanyone jointly liable for the Account may voluntarily terminate the Account at any time by notifying us orally or in writing. However, this will not relieve you or\nany joint owners from liability for the repayment of any obligations arising from the use of the Account.\nUse of Card: You may only buy goods or services from businesses displaying the Visa sign (\xe2\x80\x9cMerchant\xe2\x80\x9d), or borrow cash from the Credit Union or other\ninstitutions displaying such signs. You must follow any reasonable and proper procedures by those honoring the Card. In order for the Card to be valid, it must\nbe signed by the Cardholder or Authorized User. The Cardholder must be a Credit Union member. By signing, activating, using, or allowing another person to\nuse the Card, you agree to this Agreement and are responsible for all authorized transactions and cash advances made by the use of this Card.\nCredit Limit: Your credit limit is set by the Credit Union and may be changed from time to time with notice to the Cardholder. The Credit Union may, at its\noption, recognize transactions (and extend credit) which will cause the Cardholder\xe2\x80\x99s outstanding balance to exceed the maximum credit limit.\nActivating Your Card: You must activate your Card by calling 1-866-322-2377. The Card is not valid until it has been activated.\nAuthorized Users: You may request a Card for an Authorized User in the name of a person identified by you at any time. We may request information about\nthe person to whom you want us to issue the Card and reserve the right to deny your request for an Authorized User Card. You are responsible for all\ntransactions made by an Authorized User. You have the right to revoke an Authorized User at any time either by notifying your local branch or by calling us at\n1-888-732-8562. Calls to the Credit Union may be recorded.\nYour Responsibilities: You are responsible for the following:\n\xe2\x80\xa2 You agree not to use the Card if such use would cause your Account to exceed the credit limit.\n\xe2\x80\xa2 You agree to pay immediately upon demand any amount in excess of the maximum credit limit.\n\xe2\x80\xa2 You are responsible for all transactions and cash advances made through the use of your Card by yourself, or any Authorized User, or any person you\nallow to use your Card.\n\xe2\x80\xa2 You will not authorize anyone else to use your personal Card (other than Authorized Users added to the Account) and you will not transfer your Card to\nanyone. If you do give your Card to another individual, you will be responsible for all transactions and cash advances made through the use of your Card.\n\xe2\x80\xa2 You agree to notify us AT ONCE if you believe your Card has been lost or stolen or if someone has used or may use your Card without your permission\nby contacting your local branch immediately or by calling us at 1-888-732-8562 or 919-857-2150 locally in Raleigh. You may also write us at Our Mailing\nAddress. Calls to the Credit Union may be recorded.\n\xe2\x80\xa2 You agree to cooperate with us in our investigation of any possible unauthorized use of your Card.\n\xe2\x80\xa2 You agree to retain copies of all sales slips, cash advance slips, or any other instrument acknowledging or recognizing a transaction, and to use such\ncopies to identify transactions reported on your periodic statement.\n\xe2\x80\xa2 You will not use your Card in an illegal transaction or in connection with an Internet gambling transaction.\nPage 1 of 4\n\n\x0c\xe2\x80\xa2 You will take reasonable steps to protect the security and confidentiality of the Personal Identification Number (PIN) for your Card.\nInterest Rates and Interest Charges\nAnnual\nPercentage\nRate (APR)\nfor\nPurchases\n\nFees\nAnnual Fee\n\nNone\n\n9.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\nAPR for\nBalance\nTransfers\n\n9.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\nAPR for Cash\nAdvances\n\n9.75%\nThis APR will vary based on the 26-week\nTreasury Bill rate rounded up to the nearest\n1/4%*\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nNone\n\n\xe2\x80\xa2 Foreign\nTransactions\n\n1% of each transaction\nin U.S. dollars\n\n\xe2\x80\xa2 ATM\n\n$0.75 for each transaction\n\nPenalty Fees\n\nPaying\nInterest\n\nYour due date is at least 21 days after the\nclose of each billing cycle. We will not\ncharge you any interest on purchases if you\npay your entire balance by the due date each\nmonth. We will begin charging interest on\ncash advances on the transaction posting\ndate.\n\n\xe2\x80\xa2 Late Payment\n\nUp to $5\n\n\xe2\x80\xa2 Returned Payment\n\n$5\n\nHow We Will Calculate Your Balance\n\nFor Credit\nCard Tips\nfrom the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card, visit\nthe website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nWe calculate the interest charge on your Account by\napplying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nof your Account (including current transactions). To\ndetermine the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your Account each day, add any\nnew purchases, and subtract any payments or credits.\nThis gives us the daily balance. Then we add up all the\ndaily balances for the billing cycle and divide the total by\nthe number of days in the billing cycle. This result is the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n\n*The APR equals 9.5% plus the Index Rate. The Index Rate is the 26-week Treasury Bill rate set at the first T-bill Auction held each quarter in January, April, July,\nand October, and adjusted up to the nearest 1/4%. Because the Index Rate is subject to change each quarter, the APR is as well.\nBilling Rights information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement.\nRates and Charges: You agree to the rates and charges and methods of computation set forth in this document which are made in accordance with the Truth\nin Lending Law. The Monthly Periodic Rate for the monthly billing cycle is equal to 1/12 of the Annual Percentage Rate (APR). The Monthly Periodic Rate will be\ncomputed to 1/100th of one percent. The method for calculating the APR is explained below. The APR is subject to change on the first day of the first billing\ncycle at the beginning of each quarter (January, April, July, and October). If the APR should change, then the Monthly Periodic Rate will change and the new\nrate will take effect on the first day of the billing cycle of January, April, July, and October. The APR will equal 9.5 percentage points plus the Index Rate. The\nIndex Rate is the 26-week Treasury Bill rate set at the first Auction held in January, April, July, and October and adjusted up to the nearest 1/4%. Increases in\nthe APR will result in a higher finance charge which may result in additional payments over a longer period in order to repay the purchases balance or your cash\nadvance balance. The increased APR will apply to any balance outstanding on the effective date of the change as well as to future purchases and advances.\nThere is no minimum APR. The APR will not exceed 18% per year or the maximum permitted by applicable law, whichever is lower. The APR and the Monthly\nPeriodic Rate used to compute your finance charge appears on your monthly statement.\nForeign Currency Transactions: Foreign currency transactions will be converted to U.S. Dollars by Visa. Under the currency conversion procedure that Visa\ncurrently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar\ncurrency by a currency conversion rate. The conversion rate that Visa typically uses is either a government-mandated rate or a wholesale rate provided to Visa.\nPage 2 of 4\n\n\x0cThe currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed.\nThis rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could\nhave gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa\nnetwork, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 1% International Transaction fee to foreign currency\ntransactions. The fee is applied after converting the transaction currency into U.S. dollars. Two separate entries will appear on your statement, one for the\nforeign transaction and one for the International Transaction fee. The Local Government Federal Credit Union does not apply any additional conversion fee\nother than what Visa imposes.\nRefusal to Honor Card: The Credit Union has no liability or responsibility if any Merchant refuses to honor the Card.\nNotice of Negative Information: The Credit Union may report information about your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on your Account may be reflected on your credit report. If you are two (2) payments past due (30 days delinquent), Visa requires us to report your\nAccount to a credit bureau as delinquent.\nEvents of Default: At the Credit Union\xe2\x80\x99s option, all amounts due from you to the Credit Union will become immediately due and payable if any of the following\ncircumstances apply: (a) default by the Cardholder in making any payment when due and payable, (b) default by the Cardholder under any provision of these\nRules and Regulations, (c) the Cardholder\xe2\x80\x99s death or becoming insolvent or making an assignment for the benefit of creditors, (d) a petition being filed or any\nother proceeding being commenced under the Federal Bankruptcy Act or any state insolvency statute by or against the Cardholder, or (e) a receiver being\nappointed for, or a writ or order of attachment, levy or garnishment being issued against the Cardholder or any of the Cardholder\xe2\x80\x99s property, assets or income.\nTo the extent permitted by law, you agree to pay attorney\xe2\x80\x99s fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under\nthis Agreement.\nObtaining Account Information/Receipts: You may obtain information about the balance of your Account by calling our Automated Voice Response number at\n1-800-328-4543 or locally in Raleigh at 919-839-5428. This information, along with a history of card transactions, is also available online through Member\nConnect at www.lgfcu.org. You can get a receipt at the time you make any transaction with your Card at an ATM or point-of-sale terminal. A receipt may not be\nrequired for a point-of-sale transaction if the amount of the transaction is $50 or less.\nPeriodic Statements: A statement will be mailed to you after the 20th of each month in which there was a balance or activity on your Account. Statements are\nalso available through Member Connect at www.lgfcu.org. We reserve the right to stop periodic statements if your Account is inactive. Notify the Credit Union\nimmediately of any charge or item which you believe to be incorrect or subject to dispute. Any charge or item on your monthly statement will be considered to\nbe correct 60 days following the statement mail date if written notification from you is not received by that time.\nPayments: If you choose to pay less than the total New Balance as shown on your monthly statement, a minimum payment is required to be made. The\nminimum payment is computed as 3% of your total New Balance or $25, whichever is greater. Generally, payments above the Minimum Payment due will be\napplied first to higher interest rate balances and then to lower interest rate balances. This may help you pay off your highest interest rate balances more quickly\nand reduce your interest charges. Payments received at a branch office by 5:30 pm Monday through Friday will be credited the same business day. Payments\nreceived electronically through an optional payment service, including online through Member Connect, or through Voice Response, will be credited based on\nthe terms presented during use of the service.\nLate Charges: If you fail to make the Minimum Payment shown on your monthly statement by the 5th calendar day after the Payment Due Date shown on your\nmonthly statement, we will charge you a late fee of $5 or the amount of the Minimum Payment if it is less than $5. You will only have to pay the late charge once\non the same late payment. Any payment you make will be treated as being your oldest payment due.\nOverdraft Transfer Service: You may request Overdraft Transfer Service if you maintain a Credit Union checking account and a Credit Union issued Visa card.\nOverdraft Transfer cash advances will be made in $50 increments up to your credit limit less any outstanding balance. If the available amount is less than $50, all\nfunds available will be transferred if these funds are sufficient to cover the item(s) in the checking account. You understand that the regular increment amount is\nsubject to change by the Credit Union without notice. If your Visa credit card Account is 30 or more days past due, or over the approved credit limit, Overdraft\nTransfer Service will not be available until the Account is current. Rates and methods of computation are the same as other cash advances.\nBalance Transfers and Cash Advances: All rates and offers are subject to change. The interest rates applicable to purchases or cash advances and for prior\npromotional/intro balances remain unchanged. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your\naccount. Balance transfers of other LGFCU loans are not eligible for promotions. LGFCU may stop offering promotional/intro rates for new balance transfers at\nany time and without prior notice. You agree to allow 30 days to process your request, pay the amount(s) authorized, and transfer the balances to your LGFCU\ncredit card Account. You may transfer up to your available credit, not to exceed your credit limit authorized by LGFCU. Please continue to make minimum\npayments on your other credit card(s) until the balance(s) have been transferred. Any overpayments must be refunded by the other institution. Payment of the\namount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). LGFCU is not responsible for any remaining\nbalance or additional charges with regard to such accounts, or for any charges resulting in any delay in the payment and transfer of balances. LGFCU reserves\nthe right to refuse multiple transfers from the same credit card. At expiration of the promotional/intro rate period, the \xe2\x80\x9cAPR for purchases,\xe2\x80\x9d currently 9.75%, will\napply to any remaining balance.\nRefunds and Merchant Disputes: If you are entitled to a refund or credit for any reason, you agree to accept a credit to your Card instead of a cash refund, if\nthe merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card.\nWe are not responsible for the delivery, quality, safety, legality or other aspect of goods or services that you purchase from others with the Card.\nOther Agreements: All the terms and conditions of any other agreement between us and you and/or any other institution that is a part of a network of\nautomated teller machines (ATMs) in which we participate, and any applicable rules and regulations, also apply to use of the Card. There may be minimum\nand/or maximum limits on the amount of a cash advance dispensed from electronic terminals which accept the Card. You understand that transactions may be\nPage 3 of 4\n\n\x0climited in some areas. You agree that we do not waive our rights under this Agreement if we fail to assert them. The Agreement binds and benefits us and our\nsuccessors and assigns and binds you, your estate and your personal representative.\nApplicable Law: This Agreement and your Card and additional Cards, and all questions regarding their legality, enforceability, and interpretation, are governed\nby the laws of the State of North Carolina, USA.\nLiability for Unauthorized Use: If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should notify us immediately at the\naddress listed on your statement or Cardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540, or call us at 1-888-732-8562. Calls to the Credit Union may\nbe recorded. You may also contact us through Member Connect at www.lgfcu.org. You will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.\nWhat To Do if You Discover a Mistake on Your Statement: If you believe there is an error on your statement, notify us in writing at the address on your bill or\nCardholder Services, P.O. Box 28540, Raleigh, NC 27611-8540. You may also contact us through Member Connect at www.lgfcu.org. In your letter, please\nprovide 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 believe there is an error on your statement, describe the error and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You\nmay call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhile we investigate whether or not there has been an error, the following are true:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent for 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. But, if we determine that we\nmade 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 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.\nYour Rights if You Are Dissatisfied with Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your\nCard, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\xe2\x80\xa2 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\xe2\x80\xa2 You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card\nAccount do not qualify.\n\xe2\x80\xa2 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 Our Mailing Address or through\nMember Connect at www.lgfcu.org. While we investigate, the same rules apply to the disputed amount as discussed above. After completion of our\ninvestigation, we will notify you of our decision. At that point, if we believe you owe an amount and you do not pay, we may report you as delinquent.\nMilitary Lending Act Covered Borrower: A covered borrower is identified by the Military Lending Act as someone that at the time of loan origination is a\nmember of the Armed Forces serving on active duty, active Guard duty, or Reserve duty. A dependent of someone on active duty is also a covered borrower\nunder the Military Lending Act.\nNotice of Military APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces on active duty or active Guard or Reserve duty and his/her dependent(s) may\nnot exceed an annual percentage rate of 36% for certain types of consumer loans. This rate must include, as applicable to the credit transaction or account: the\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account).\nAccording to Part 232 of Title 32 of the Code of Federal Regulations for Limitations on Terms of Consumer Credit Extended to Service Members and Dependents,\na creditor is required to provide a covered borrower an oral disclosure relating to the extension of credit.\nYou may obtain your complete oral disclosure by calling us toll-free at: 1-855-491-7328.\nUpon activation, the cardholder acknowledges receipt of a copy of the MILITARY APR DISCLOSURE STATEMENT and one copy of the Federal Truth in Lending\nDisclosure Statement, all given by lender in compliance with Truth in Lending Simplification and Reform Act of 1980 (Public Law 96-221) and the Military\nLending Act.\n\nOCS #1604225\nPage 4 of 4\n\n\x0c'


b'KEMBA CREDIT UNION, INC.\nP. O. BOX 14090\nCINCINNATI, OH 45250\n(800) 825-3622\nFAX (513) 762-1619\n\nCREDIT CARD AGREEMENT AND\nFEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, VISA PLATINUM AGREEMENTS, AND ANY SPECIAL\nINSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM CREDIT CARD AND/OR OTHER\nACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND\nNOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n_______% Introductory APR for ______ months.\nAfter that, Your APR will be _______%.\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\n_______% Introductory APR for ______ months.\nAfter that, Your APR will be _______%.\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\n_______% Introductory APR for ______ months.\nAfter that, Your APR will be _______%.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit Card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nForeign Transaction\nBalance Transfer\nCash Advance\n\n1.00% of each transaction in U.S. dollars.\n2.00% of each transfer ($2.00 minimum - $50.00 maximum).\n2.00% of each advance ($2.00 minimum - $50.00 maximum).\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\n\nIn this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean KEMBA CREDIT UNION, INC. The words "You" and "Your" mean each person accepting this\nAgreement. If this is a joint account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum Credit Card issued to You by Us and\nany duplicates or renewals We may issue. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.\n\nType of Credit Card\n\nVISA Platinum\n\nCopyright Oak Tree Business Systems, Inc., 2016 - 2017. All Rights Reserved.\n\nCurrent\nDaily Periodic\nRate\n\nCurrent\nAnnual Percentage\nRate\n\n__________%\n\n__________%\n\nPage 1 of 3\n\nOTBS 016CC VP-INTRO FRB_WEB KEMB (1/17)\nRev. (6/16)\n\n\x0cYou understand the following terms constitute the Agreement:\n\nCharge and any payment that accelerates the reduction of Your unpaid balance will\ndecrease Your Finance Charges.\n\nPROMISE TO PAY. Your Account may be accessible through a variety of means\nwhich could include advance request forms, vouchers, checks, charge slips, Credit\nCards, Convenience Checks, and the like. Regardless of the access means, You\npromise to pay Us all amounts charged to Your Account by You or by any user who\nhas access to Your Account, with actual, apparent, or implied authority for use of Your\nAccount, including Finance Charges and other fees or charges described herein.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of amounts owed. You understand that any Card which is requested and\napproved, will be mailed only to the primary Borrower at the address that We have on\nfile for You. We may refuse to follow any instructions which run counter to this provision.\nOWNERSHIP. All access devices remain Our property and may be cancelled by Us\nat any time without notice. You agree to surrender any such access device and to\ndiscontinue its use immediately upon Our request.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any place\nthat it is honored and to get cash advances from Us or another financial institution. If You\nare issued a cash advance draft, it will be imprinted with Your Card and You will receive\na copy of the draft. You agree not to use Your Card for illegal transactions including, but\nnot limited to, advances made for the purpose of gambling and/or wagering where such\npractices are in violation of applicable state and/or federal law.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a\nPersonal Identification Number (PIN) for use with Your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use Your PIN and Your Card to\naccess Your Account and all sums advanced will be added to Your Account balance.\nIn the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and\nconditions of Your Electronic Fund Transfer Agreement may affect Your rights.\nCREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions made\nunder Your Account. Unless You are in default, Your Credit Limit will be self-replenishing\nas You make payments on Your Account. You will keep Your unpaid balance within Your\nCredit Limit, and You will pay any amount over Your Credit Limit on Our demand whether\nor not We authorize the advance which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit available\nduring any time that any aspect of Your Account is in default.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances\nsubject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily\nbalance, We take the beginning balance of Your Account each day, add any new\npurchases, balance transfers, cash advances, insurance premiums, debit\nadjustments, or other charges and subtract any payments, credits, and unpaid\nFinance Charges or Late Charges. This gives Us the daily balance. Then, We add up\nall the daily balances for the billing cycle and divide them by the number of days in\nthe billing cycle. The Finance Charge for a billing cycle is computed by multiplying the\naverage daily balance subject to a Finance Charge by the Daily Periodic Rate times\nthe number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are\nposted to Your Account, will be subject to a Finance Charge. Cash advances and\nbalance transfers are always subject to a Finance Charge from the date they are\nposted to Your Account.\nPurchase, balance transfer, and cash advance transactions will accrue finance\ncharges at a discounted introductory Daily Periodic Rate of ____________%\n(corresponding to an ANNUAL PERCENTAGE RATE of ____________%) for the\n_____ month period immediately following the date You establish such Card. Upon\nthe expiration of the introductory rate period, the Daily Periodic Rate applicable to the\nentire balance of purchases and balance transfers will immediately increase to the\nnon-introductory rate described elsewhere in this Agreement.\nMINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly\nPayments, You understand that You have the right to repay Your Account or make\nlarger payments at any time without penalty. You will only be charged periodic Finance\nCharges to the date You repay Your entire Account balance. Any partial payment or\nprepayment of Your Account will not delay Your next scheduled payment. All\npayments to Us must be in lawful money of the United States.\nPayments will be applied in the following order: (a) any Fees and Charges owing; (b)\nany Finance Charges due; (c) the balance for cash advances; (d) the balance for\nbalance transfers; and then to (e) the balance for purchases.\nAny unpaid portion of any Finance Charges and Late Charges will be paid by\nsubsequent payments and will not be added to the principal. You understand that any\npayment that delays the repayment of Your unpaid balance will increase Your Finance\nCopyright Oak Tree Business Systems, Inc., 2016 - 2017. All Rights Reserved.\n\nMinimum Monthly Payments for advances on Your Account will be an amount equal\nto 2.00% of Your balance at the end of each billing cycle, subject to the lesser of\n$10.00 or Your Account balance, plus any portion of the Minimum Payments shown\non prior statement(s) which remains unpaid, plus any amount that exceeds Your\napproved Credit Limit\nCONSENSUAL LIEN ON SHARES. As permitted by law, You grant and consent\nto a lien on Your shares or other deposit accounts with Us (other than those\ndeposits established under a governmental-approved tax deferral plan such\nas an IRA or Keogh account) and any dividends due or to become due to You\nfrom Us to the extent You owe on any unpaid Credit Card balance.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will secure\nall amounts You owe Us now and in the future if that status is reflected in the "Truthin-Lending Disclosure" in any particular Agreement evidencing such debt.\nPERIODIC STATEMENT. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each billing cycle in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted. Each statement is deemed to be a\ncorrect statement of account unless You establish a billing error pursuant to the\nFederal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no\nobligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,\nYou would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have\nbeen reported lost or stolen; (3) Your Account has been cancelled or has expired; and\n(4) a Convenience Check is used for payment on this or any other loan Account with\nUs. If a postdated Convenience Check is paid and, as a result, any other Convenience\nCheck is returned unpaid, We are not responsible for any resulting loss or liability.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made, but sales, cash\nadvances, credit, or other slips will not be returned with the statement. You will retain\nthe copy of such slips furnished at the time of the transaction in order to verify Your\nmonthly statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, the merchant will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or more,\nrefund it on Your written request or automatically deposit it to Your share account after\n6 months.\nLATE CHARGE. If Your payment is not received within 55 days of the Statement\nClosing Date of the statement for which that payment is due, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $25.00.\nOTHER FEES AND CHARGES. You will be charged the following fees and charges\nassociated with the use of Your Credit Card: (a) the lesser of $25.00 or the required\nminimum payment amount for the returned payment for any check (or other negotiable\ninstrument used for payment) which is returned unpaid; (b) $5.00 for each sales draft\ncopy You request; (c) a cash advance fee FINANCE CHARGE in an amount equal to\n2.00% of the total amount advanced, subject to a minimum of $2.00 and a maximum of\n$50.00; (d) a balance transfer fee FINANCE CHARGE in an amount equal to 2.00% of\nthe total amount transferred, subject to a minimum of $2.00 and a maximum of $50.00;\nand (e) $20.00 for each Card that You request be delivered on an expedited basis.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us; or\n(b) You should die, become involved in any insolvency, receivership, or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You owe\nmoney on Your Account; or (d) A judgment or tax lien should be filed against You or any\nattachment, or garnishment should be issued against any of Your property or rights,\nspecifically including anyone starting an action or proceeding to seize any of Your funds\non deposit with Us and/or (e) We should, in good faith, believe Your ability to repay Your\nindebtedness hereunder is or soon will be impaired, time being of the very essence.\nIf You are in default, We may, without notice or demand, and to the extent permitted by law,\ncancel Your rights under this Agreement, declare the entire unpaid balance immediately\ndue and payable and require the return of all Cards and other Account Access devices.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for\nall of Our costs and expenses, including reasonable attorneys\' fees incurred in the\n\nPage 2 of 3\n\nOTBS 016CC VP-INTRO FRB_WEB KEMB (1/17)\nRev. (6/16)\n\n\x0ccourse of collecting any amounts owed under this Agreement or for the recovery of\nany collateral.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to the outstanding balance of Your\nAccount. If You elect to do so, You will be given the necessary disclosures and\ndocuments separately. Any credit insurance premiums will be charged to Your\nAccount as a purchase.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments, or any\nother payments, even if they are marked "paid in full" without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is determined\nto be unenforceable or invalid, all other provisions remain in full force and effect.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Account.\nYou will not be liable for the unauthorized use that occurs after You notify Us orally and\nin writing at the address or telephone number shown in this Agreement, of the loss, theft,\nor possible unauthorized use. In any case, Your liability will not exceed $50.00.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You\nmove or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for\nthe refusal or inability of merchants, financial institutions, and others to accept the\nCards or Convenience Checks, or electronic terminals to honor the Cards or complete\na Card withdrawal, or for their retention of the Cards or Convenience Checks.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at Our address shown in\nthis Agreement. In Your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\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\nto 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\nWe are not required to investigate any potential errors and You may have to pay the\namount 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\nletter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or explain\nto You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately at\n(800) 825-3622 or (513) 762-5070 or, You can write to Us at P. O. Box 14090,\nCincinnati, OH, 45250-0090.\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue to\ncharge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for the\nremainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the\nexchange rate between the transaction currency and the billing currency (U.S. dollars)\nwill be: (a) 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\nthe rate VISA itself receives; or (b) the government-mandated rate in effect for the\napplicable central processing date.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nFor all transactions, You will be charged 1.00% calculated on the final settlement amount.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit, or other\nslips You may sign or receive when using the Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving Your Account.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the Application and Your Credit Card, by using the Card, by using Your\nAccount, or by authorizing another to use Your Account, You agree to accept its terms.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom we reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou question even if Your bill is correct.\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to\nthis Agreement is an integrated part of this Agreement and Disclosure.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to\nupdate personal information or other financial information related to You, at Our request.\nYou also agree that We may, from time to time, as We deem necessary, make inquiries\npertaining to Your employment, credit standing, and financial responsibility in\naccordance with applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account to consumer credit\nreporting agencies, a prospective employer or insurer, or a state or federal licensing\nagency having any apparent legitimate business need for such information.\nTERMINATION. Subject to applicable law, either You or We may cancel Your Account\nat any time whether or not You are in default. You will, in any case, remain liable to\npay any unpaid balances according to the terms of this Agreement.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Ohio except to the extent that such laws are inconsistent with controlling\nfederal law.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit\nBilling Act.\nCopyright Oak Tree Business Systems, Inc., 2016 - 2017. All Rights Reserved.\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You\na statement of the amount You owe and the date payment is due. We\nmay then report You as delinquent if You do not pay the amount We think\nYou owe.\n\nYour Rights If You Are Dissatisfied\nWith Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on an\nadvertisement We mailed to You, or if We own the company that sold You the\ngoods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 3 of 3\n\nOTBS 016CC VP-INTRO FRB_WEB KEMB (1/17)\nRev. (6/16)\n\n\x0cKEMBA CREDIT UNION, INC.\nP. O. BOX 14090\nCINCINNATI, OH 45250\n(800) 825-3622\nFAX (513) 762-1619\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\nPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD AGREEMENT\nAND DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA\nPLATINUM CREDIT CARD. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY AND\nNOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\n0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 9.90%.\n0.00% Introductory APR for 24 months.\nAfter that, Your APR will be 9.90%.\n0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 9.90%.\n0.00% Introductory APR for 24 months.\nAfter that, Your APR will be 9.90%.\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n0.00% Introductory APR for 12 months.\nAfter that, Your APR will be 9.90%.\n0.00% Introductory APR for 24 months.\nAfter that, Your APR will be 9.90%.\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a Credit Card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nForeign Transaction\nBalance Transfer\nCash Advance\n\n1.00% of each transaction in U.S. dollars.\n2.00% of each transfer ($2.00 minimum - $50.00 maximum).\n2.00% of each advance ($2.00 minimum - $50.00 maximum).\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding\nduring the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance\ntransfers, cash advances, insurance premiums, debit adjustments, or other charges and subtract any payments, credits, and unpaid Finance Charges or Late Charges. This gives\nUs the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle\nis computed by multiplying the average daily balance subject to a Finance Charge by the Daily Periodic Rate times the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance\ntransfers are always subject to a Finance Charge from the date they are posted to Your Account.\nFor VISA Platinum Credit Card transactions that are subject to a 12-month discounted introductory rate, transactions for purchases, balance transfers, and cash advances\nwill accrue finance charges at a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the 12-month\nperiod immediately following the date Your Account is established. Upon the expiration of the introductory rate period, the Daily Periodic Rate applicable to the entire balance\nof purchases, balance transfers, and cash advances will immediately increase to 0.027123% (corresponding to an ANNUAL PERCENTAGE RATE of 9.90%).\nFor VISA Platinum Credit Card transactions that are subject to a 24-month discounted introductory rate, transactions for purchases, balance transfers, and cash advances\nwill accrue finance charges at a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the 24-month\nperiod immediately following the date Your Account is established. Upon the expiration of the introductory rate period, the Daily Periodic Rate applicable to the entire balance\nof purchases, balance transfers, and cash advances will immediately increase to 0.027123% (corresponding to an ANNUAL PERCENTAGE RATE of 9.90%).\nCopyright Oak Tree Business Systems, Inc., 2016-2017. All Rights Reserved.\n\nOTBS 016A CC VP-INTRO FRB_Web KEMB (1/17)\nRev. (1/17)\n\n\x0c'


b'KEMBA CREDIT UNION, INC.\nP. O. BOX 14090\nCINCINNATI, OH 45250\n(800) 825-3622\nFAX (513) 762-1619\n\nCREDIT CARD AGREEMENT AND\nDISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, VISA, SHARE SECURED VISA, VISA PLATINUM, VISA\nGOLD, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD AGREEMENTS, AND\nANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA, SHARE SECURED VISA,\nVISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD\nCREDIT CARDS AND/OR OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS\nAGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n_______%\n\nVISA:\nThis APR will vary with the market based on the Prime Rate.\n\n_______%\n\nVISA Gold:\nThis APR will vary with the market based on the Prime Rate.\n\n_______%\nGCFCU VISA: _______%\nMasterCard: _______%\nVISA Platinum:\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\n_______%\nShare Secured MasterCard: _______%\nShare Secured VISA:\n\nVISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: _______%\nThis APR will vary with the market based on the Prime Rate.\nVISA Platinum: _______%\n\nShare Secured VISA: _______%\n\nGCFCU VISA: _______%\n\nShare Secured MasterCard: _______%\n\nMasterCard: _______%\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nVISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: _______%\nThis APR will vary with the market based on the Prime Rate.\nVISA Platinum: _______%\n\nShare Secured VISA: _______%\n\nGCFCU VISA: _______%\n\nShare Secured MasterCard: _______%\n\nMasterCard: _______%\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit Card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nFor MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00\nSEE TOP OF PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CC FRB_WEB KEMB (1/19)\nRev. (1/20)\n\n\x0cFees (continued)\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nForeign Transaction\nBalance Transfer\nCash Advance\n\n1.00% of each transaction in U.S. dollars.\n2.00% of each transfer ($2.00 minimum - $50.00 maximum).\n2.00% of each advance ($2.00 minimum - $50.00 maximum).\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nSEE PAGE 1 for more important Information about Your Account\n\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean KEMBA CREDIT UNION, INC. The words "You" and "Your" mean each person accepting this\nAgreement. If this is a joint account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA, Share Secured VISA, VISA Gold, Visa Platinum,\nGCFCU VISA, MasterCard and/or Share Secured MasterCard Credit Card issued to You by Us and any duplicates or renewals We may issue. "Convenience Checks" mean\nthe special Account access devices that We may provide for Your use from time to time.\n\nCurrent\nVariable Rate\nIndex Value\n\nMargin\n\nCurrent\nDaily Periodic\nRate\n\nCurrent\nAnnual Percentage\nRate\n\nVISA\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nVISA Gold\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nShare Secured VISA\n\n__________%\n\n__________%\n\nVISA Platinum\n\n__________%\n\n__________%\n\nGCFCU VISA\n\n__________%\n\n__________%\n\nMasterCard\n\n__________%\n\n__________%\n\nShare Secured MasterCard\n\n__________%\n\n__________%\n\nType of Credit Card\n\nYou understand the following terms constitute the Agreement:\nPROMISE TO PAY. Your Account may be accessible through a variety of means\nwhich could include advance request forms, vouchers, checks, charge slips, Credit\nCards, Convenience Checks and the like. Regardless of the access means, You\npromise to pay Us all amounts charged to Your Account by You or by any user\nwho has access to Your Account, with actual, apparent or implied authority for\nuse of Your Account, including Finance Charges and other fees or charges\ndescribed herein.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of amounts owed. You understand that any Card which is requested\nand approved, will be mailed only to the primary Borrower at the address that We\nhave on file for You. We may refuse to follow any instructions which run counter to\nthis provision.\nOWNERSHIP. All access devices remain Our property and may be cancelled by Us\nat any time without notice. You agree to surrender any such access device and to\ndiscontinue its use immediately upon Our request.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances from Us or another financial\ninstitution. If You are issued a cash advance draft, it will be imprinted with Your Card\nand You will receive a copy of the draft. You agree not to use Your Card for illegal\ntransactions including, but not limited to, advances made for the purpose of gambling\nand/or wagering where such practices are in violation of applicable state and/or\nfederal law.\nCopyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved.\n\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a\nPersonal Identification Number (PIN) for use with Your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use Your PIN and Your Card to\naccess Your Account and all sums advanced will be added to Your Account balance.\nIn the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and\nconditions of Your Electronic Fund Transfer Agreement may affect Your rights.\nCREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions made\nunder Your Account. Unless You are in default, Your Credit Limit will be self-replenishing\nas You make payments on Your Account. You will keep Your unpaid balance within Your\nCredit Limit, and You will pay any amount over Your Credit Limit on Our demand whether\nor not We authorize the advance which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit available\nduring any time that any aspect of Your Account is in default.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured VISA\nor Share Secured MasterCard, You agree to give Us a specific pledge of shares which\nwill be equal to 125.00% of Your Credit Limit. In the event that You default on Your\nAccount, We may apply these shares toward the repayment of any amount owed on\nYour Account.\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances\nsubject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily\nbalance, We take the beginning balance of Your Account each day, add any new\npurchases, balance transfers, cash advances, insurance premiums, debit\nadjustments or other charges and subtract any payments, credits and unpaid Finance\n\nPage 2 of 4\n\nOTBS 016CC FRB_WEB KEMB (1/19)\nRev. (1/20)\n\n\x0cCharges or Late Charges. This gives Us the daily balance. Then, We add up all the\ndaily balances for the billing cycle and divide them by the number of days in the billing\ncycle. The Finance Charge for a billing cycle is computed by multiplying the average\ndaily balance subject to a Finance Charge by the Daily Periodic Rate times the number\nof days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the date\nthey are posted to Your Account, will be subject to a Finance Charge. Cash advances\nand balance transfers are always subject to a Finance Charge from the date they are\nposted to Your Account.\nVISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold\ntransactions are subject to a Variable Rate which is based on the most recent Prime\nRate available as published in the Money Rates Section of The Wall Street Journal\nand will be the most recent rate available on the last day of each calendar quarter of\neach year ("Index") plus Our Margin. The Index plus the Margin equals the Interest\nRate. Changes in the Index will cause changes in the Interest Rate on the first day of\nthe first statement cycle following the end of each calendar quarter of each year.\nIncreases or decreases in the Interest Rate will cause like increases or decreases in\nthe Finance Charge and will affect the number of Your scheduled payments. Your\nInterest Rate will never be greater than 18.00%.\nMINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly\nPayments, You understand that You have the right to repay Your Account or make\nlarger payments at any time without penalty. You will only be charged periodic Finance\nCharges to the date You repay Your entire Account balance. Any partial payment or\nprepayment of Your Account will not delay Your next scheduled payment. All\npayments to Us must be in lawful money of the United States.\nPayments will be applied in the following order: (a) any Fees and Charges owing; (b)\nany Finance Charges due; (c) the balance for cash advances; (d) the balance for\nbalance transfers; and then to (e) the balance for purchases.\nAny unpaid portion of any Finance Charges and Late Charges will be paid by\nsubsequent payments and will not be added to the principal. You understand that any\npayment that delays the repayment of Your unpaid balance will increase Your Finance\nCharge and any payment that accelerates the reduction of Your unpaid balance will\ndecrease Your Finance Charges.\nMinimum Monthly Payments for advances on Your Account will be an amount equal\nto 2.00% of Your balance at the end of each billing cycle, subject to the lesser of\n$10.00 or Your Account balance, plus any portion of the Minimum Payments shown\non prior statement(s) which remains unpaid, plus any amount that exceeds Your\napproved Credit Limit.\nCONSENSUAL LIEN ON SHARES. As permitted by law, You grant and\nconsent to a lien on Your shares or other deposit accounts with Us (other\nthan those deposits established under a governmental-approved tax deferral\nplan such as an IRA or Keogh account) and any dividends due or to become\ndue to You from Us to the extent You owe on any unpaid Credit Card balance.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will secure\nall amounts You owe Us now and in the future if that status is reflected in the "Truthin-Lending Disclosure" in any particular Agreement evidencing such debt.\nPERIODIC STATEMENT. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each billing cycle in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted.\nEach statement is deemed to be a correct statement of account unless You establish\na billing error pursuant to the Federal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no\nobligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,\nYou would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have\nbeen reported lost or stolen; (3) Your Account has been cancelled or has expired; and\n(4) a Convenience Check is used for payment on this or any other loan Account with\nUs. If a postdated Convenience Check is paid and, as a result, any other Convenience\nCheck is returned unpaid, We are not responsible for any resulting loss or liability.\nTRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic\nterminal or financial institution at which transactions were made, but sales, cash\nadvances, credit or other slips will not be returned with the statement. You will retain\nCopyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved.\n\nthe copy of such slips furnished at the time of the transaction in order to verify Your\nmonthly statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, the merchant will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or more,\nrefund it on Your written request or automatically deposit it to Your share account after\n6 months.\nLATE CHARGE. If Your payment is not received within 55 days of the Statement\nClosing Date of the statement for which that payment is due, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $25.00.\nANNUAL MEMBERSHIP FEE. MasterCard, Share Secured MasterCard and Share\nSecured VISA accountholders will be charged a non-refundable Annual Cardholder\nfee of $25.00 per year for Your continued participation in that particular Credit Card\naccessible program. This annual fee is required each year in order to continue Your\ncredit availability. We will automatically post this fee to Your Account on the first day\nof the billing cycle in which it is due. You can avoid paying it by sending written\nnotification of termination of Your Account within 30 days following the mailing date of\nthe statement on which it appears.\nOTHER FEES AND CHARGES. You will be charged the following fees and charges\nassociated with the use of Your Credit Card: (a) the lesser of $25.00 or the required\nminimum payment amount for the returned payment for any check (or other\nnegotiable instrument used for payment) which is returned unpaid; (b) $5.00 for\neach sales draft copy You request; (c) a cash advance fee FINANCE CHARGE in\nan amount equal to 2.00% of the total amount advanced, subject to a minimum of\n$2.00 and a maximum of $50.00; (d) a balance transfer fee FINANCE CHARGE in\nan amount equal to 2.00% of the total amount transferred, subject to a minimum of\n$2.00 and a maximum of $50.00; and (e) $20.00 for each Card that You request be\ndelivered on an expedited basis.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us; or\n(b) You should die, become involved in any insolvency, receivership or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You owe\nmoney on Your Account; or (d) a judgment or tax lien should be filed against You or any\nattachment or garnishment should be issued against any of Your property or rights,\nspecifically including anyone starting an action or proceeding to seize any of Your funds\non deposit with Us and/or (e) We should, in good faith, believe Your ability to repay Your\nindebtedness hereunder is or soon will be impaired, time being of the very essence.\nIf You are in default, We may, without notice or demand, and to the extent permitted by law,\ncancel Your rights under this Agreement, declare the entire unpaid balance immediately\ndue and payable and require the return of all Cards and other Account Access devices.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of\nOur costs and expenses, including reasonable attorneys\' fees incurred in the course of\ncollecting any amounts owed under this Agreement or for the recovery of any collateral.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to the outstanding balance of Your\nAccount. If You elect to do so, You will be given the necessary disclosures and\ndocuments separately. Any credit insurance premiums will be charged to Your\nAccount as a purchase.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments, or any\nother payments, even if they are marked "paid in full" without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is determined\nto be unenforceable or invalid, all other provisions remain in full force and effect.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your\nAccount. You will not be liable for the unauthorized use that occurs after You notify\nUs orally and in writing at the address or telephone number shown in this\nAgreement, of the loss, theft, or possible unauthorized use. In any case, Your\nliability will not exceed $50.00.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You\nmove or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\n\nPage 3 of 4\n\nOTBS 016CC FRB_WEB KEMB (1/19)\nRev. (1/20)\n\n\x0cREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept the\nCards or Convenience Checks, or electronic terminals to honor the Cards or complete\na Card withdrawal, or for their retention of the Cards or Convenience Checks.\nLOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately at\n(800) 825-3622 or (513) 762-5070 or, You can write to Us at P. O. Box 14090,\nCincinnati, OH, 45250-0090.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the\nexchange rate between the transaction currency and the billing currency (U.S.\ndollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable,\nfrom the range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate VISA or MasterCard\nitself receives; or (b) the government-mandated rate in effect for the applicable\ncentral processing date.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if You want\nto stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount 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\nletter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or explain\nto You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n\nFor all transactions, You will be charged 1.00% calculated on the final\nsettlement amount.\n\n\xe2\x80\xa2\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using the Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving Your Account.\n\n\xe2\x80\xa2\n\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the Application and Your Credit Card, by using the Card, by using Your\nAccount or by authorizing another to use Your Account, You agree to accept its terms.\n\n\xe2\x80\xa2\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to\nthis Agreement is an integrated part of this Agreement and Disclosure.\n\n\xe2\x80\xa2\n\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to\nupdate personal information or other financial information related to You, at Our request.\nYou also agree that We may, from time to time, as We deem necessary, make inquiries\npertaining to Your employment, credit standing and financial responsibility in accordance\nwith applicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\nTERMINATION. Subject to applicable law, either You or We may cancel Your Account\nat any time whether or not You are in default. You will, in any case, remain liable to\npay any unpaid balances according to the terms of this Agreement.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Ohio except to the extent that such laws are inconsistent with controlling\nfederal law.\n\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue to\ncharge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for the\nremainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You as\ndelinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom We reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou 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\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit 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 Our address shown in\nthis Agreement. In Your letter, give Us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xe2\x80\xa2 Within 60 days after the error appeared on Your statement.\n\nCopyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved.\n\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on an\nadvertisement We mailed to You, or if We own the company that sold You the\ngoods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above.\nAfter We finish Our investigation, We will tell You Our decision. At that point, if We think\nYou owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016CC FRB_WEB KEMB (1/19)\nRev. (1/20)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD AGREEMENT\nAND DISCLOSURE STATEMENT\n\nKEMBA CREDIT UNION, INC.\nP. O. BOX 14090\nCINCINNATI, OH 45250\n(800) 825-3622\nFAX (513) 762-1619\n\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA, SHARE\nSECURED VISA, VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND SHARE\nSECURED MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM\nCAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n10.24%\n\nVISA:\nThis APR will vary with the market based on the Prime Rate.\n\n7.99%\n\nVISA Gold:\nThis APR will vary with the market based on the Prime Rate.\n\n9.90%\nGCFCU VISA: 12.90%\nMasterCard: 13.90%\nVISA Platinum:\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\n18.00%\nShare Secured MasterCard: 18.00%\nShare Secured VISA:\n\nVISA: 10.24%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: 7.99%\nThis APR will vary with the market based on the Prime Rate.\nVISA Platinum: 9.90%\n\nShare Secured VISA: 18.00%\n\nGCFCU VISA: 12.90%\n\nShare Secured MasterCard: 18.00%\n\nMasterCard: 13.90%\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nVISA: 10.24%\nThis APR will vary with the market based on the Prime Rate.\nVISA Gold: 7.99%\nThis APR will vary with the market based on the Prime Rate.\nVISA Platinum: 9.90%\n\nShare Secured VISA: 18.00%\n\nGCFCU VISA: 12.90%\n\nShare Secured MasterCard: 18.00%\n\nMasterCard: 13.90%\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days of Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit Card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nFor MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00\nSEE TOP OF PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A CC FRB_WEB KEMB (1/19)\nRev. (4/20)\n\n\x0cFees (continued)\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nForeign Transaction\nBalance Transfer\nCash Advance\n\n1.00% of each transaction in U.S. dollars.\n2.00% of each transfer ($2.00 minimum - $50.00 maximum).\n2.00% of each advance ($2.00 minimum - $50.00 maximum).\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nSEE PAGE 1 for more important Information about Your Account\n\nFINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases,\nbalance transfers, cash advances, insurance premiums, debit adjustments, or other charges and subtract any payments, credits, and unpaid Finance Charges or Late Charges.\nThis gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for\na billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Daily Periodic Rate times the number of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the\nnew balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance\ntransfers are always subject to a Finance Charge from the date they are posted to Your Account.\nVISA is subject to a current Daily Periodic Rate of 0.028054% (corresponding ANNUAL PERCENTAGE RATE 10.24%).\nVISA Gold is subject to a current Daily Periodic Rate of 0.021890% (corresponding ANNUAL PERCENTAGE RATE 7.99%).\nShare Secured VISA is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).\nVISA Platinum is subject to a Daily Periodic Rate of 0.027123% (corresponding ANNUAL PERCENTAGE RATE 9.90%).\nGCFCU VISA is subject to a Daily Periodic Rate of 0.035342% (corresponding ANNUAL PERCENTAGE RATE 12.90%).\nMasterCard is subject to a Daily Periodic Rate of 0.038082% (corresponding ANNUAL PERCENTAGE RATE 13.90%).\nShare Secured MasterCard is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).\nVISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold transactions are subject to a Variable Rate which is based on the most recent Prime Rate\navailable as published in the Money Rates Section of The Wall Street Journal and will be the most recent rate available on the last day of each calendar quarter of each year\n("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the first statement\ncycle following the end of each calendar quarter of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and\nwill affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00%.\nThe applicable Margins are as follows: VISA 6.99%; and VISA Gold 4.74%.\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A CC FRB_WEB KEMB (1/19)\nRev. (4/20)\n\n\x0c'