b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA SIGNATURE/VISA PLATINUM REWARDS/VISA\nPLATINUM\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to SPIRE Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of\ncredit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a balance transfer. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02200808-MXC30-P-1-120718 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). 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.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. 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.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. 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) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n02200808-MXC30-P-1-120718 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 31281,\nTampa, FL, 33631-3281 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nPage 3 of 6\n02200808-MXC30-P-1-120718 (MXC303-E)\n\n\x0cnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We 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.\n16. 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 transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. 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.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMinnesota.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nPage 4 of 6\n02200808-MXC30-P-1-120718 (MXC303-E)\n\n\x0c30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. 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\nPage 5 of 6\n02200808-MXC30-P-1-120718 (MXC303-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\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 three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think 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\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if 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\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when 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\nis 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\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.\nPage 6 of 6\n02200808-MXC30-P-1-120718 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA SIGNATURE/VISA PLATINUM REWARDS/VISA\nPLATINUM\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Signature\n\n15.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Rewards\n\n15.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n\n11.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nVisa Signature\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 15.15% to 17.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Rewards\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 15.15% to 17.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 11.15% to 17.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02200808-MXC10-P-1-120718 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nVisa Signature\n15.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Rewards\n15.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n11.15% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\n$5.00 or 2.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nUp to $37.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days\nfollowing the opening of your account. Any existing balances on SPIRE Credit Union loan or credit card accounts are not\neligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: February 01, 2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Signature, Visa Platinum Rewards and Visa Platinum are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02200808-MXC10-P-1-120718 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less, if you are four or more days late in making a\npayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you\nwill be charged $37.00 or the amount of the required minimum payment, whichever is less.\nCash Advance Fee (Finance Charge):\n$5.00 or 2.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nRush Fee:\n$25.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02200808-MXC10-P-1-120718 (MXC101-E)\n\n\x0c'


b'M-126720\n\nConsumer Credit Card Agreement and Disclosure Statement\nEffective Date 02/01/2021\n1.0 : ISSUER. Your California Bank & Trust Card has been issued by Zions Bancorporation, N.A. dba California Bank &\n\nTrust. Your Account is with Zions Bancorporation, N.A. (\xe2\x80\x9cBank\xe2\x80\x9d) and will be administered by the Bank\xe2\x80\x99s Bankcard Services\ndepartment. Your Credit Card, monthly, statement, and other associated materials will bear the California Bank & Trust\nname.\n1.1 : THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bancorporation, N.A.\nthat governs your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for\nyourcredit card Account. This Consumer Credit Card Agreement includes the disclosures provided on the card carrier\ncontaining the Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and\nconstitutes your Agreement with us that covers your credit card Account. Review this Agreement carefully and keep it in\nyour records.\n1.2 : ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier\nof (a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to\ndecline this Agreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by\ncalling 1-866-749-7460 or writing to the address on the carrier containing your Card.\n1.3 : DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement\nand in your monthly statement.\nBank: Means Zions Bancorporation, N.A., the issuer of your Card and holder of your Account.\nWe, us, and our: Refer to Bank.\nYou and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the\nprimary applicant and any co-applicant.\nAccount: Means your Visa credit card account, together with the associated account number, all that we grant under that\naccount, and all Card(s) issued and any Credit Card Checks made available under that account.\nCard Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.\nCard Application: Means your credit application for your Account.\nCard: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account.\nCredit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account.\nOutstanding Balance: Means the entire amount owing on your Account at any given time.\nCash Back: Is a cash-back rebate program of Bank for certain types of Accounts.\nCredit Card Checks: Means checks that Bank may provide you to access your Account.\nMargin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank\xe2\x80\x99s\ndetermination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you\nuse your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of\nsuch change.\n1.4 : AMENDING THIS AGREEMENT. We may amend, add or delete (i.e., \xe2\x80\x9cchange\xe2\x80\x9d) any term of this Agreement at\nany time. We will notify you of any change, and any right to reject that change, as required by law. To reject a change,\nyou must inform us in the manner and time period specified in our notice. We will then close your Account and you will be\nrequired to pay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may\nobtain that consent from you verbally, in writing or electronically. Whether or not consent is required, any further use of\nyour Account after the effective date of the change shall constitute your consent and acceptance. Unless a longer period\nis specified by law, a reasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be\nprinted on, or enclosed with, your monthly statement.\n1.5 : CREDIT LIMIT. Your Account\xe2\x80\x99s initial Credit Limit appears on the carrier containing your Card. Your updated Credit\nLimit appears on each monthly statement. You must not use or allow others to use your Card or Account in a way that\ncauses your Outstanding Balance to exceed your Credit Limit. We are not obligated to enforce the Credit Limit, and you\nare liable for the Outstanding Balance even if it exceeds your Credit Limit. We may increase or decrease your Credit Limit\nat any time and will notify you of such change. You may request a change in your Credit Limit by contacting us.\n2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can\nrequire you to surrender your Card to us or to any merchant or financial institution where you have presented the Card.\nThe Card is not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any\ntime. You may request additional Cards at no additional cost for family members or other persons that you authorize to\nuse your Account, but you remain responsible for all of their charges.\n\n\x0c3.0 : USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card\n\nnetwork rules and the law, your Card and Account can be used for the following:\n3.1 : Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted.\n3.2 : Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any\nparticipating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank\nnetwork or other participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances.\nCertain transaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your\nAccount to $500 (or $2000 limit for Signature accounts) or less on any calendar day. Some ATMs have other limits. Cash\nAdvances may not exceed 25% of Credit Limit (only applicable to AmaZing, Premier, Elite, Reserve, Agility Cash, Clarity,\nand Vivid Rewards products). Based on risk, we may further limit cash advances in our sole discretion. We have no\nobligation to you to enforce such transaction limits, and you owe all cash advances made. Using your Card to withdraw\ncash from an ATM located outside of the United States will create a cash advance from and charge to your credit card\nAccount, even if you select withdrawal from a checking, savings or other type of account. \xe2\x80\x9dQuasi cash transactions\xe2\x80\x9d such\nas using your Card for money orders, travelers\xe2\x80\x99 checks, foreign currency, lottery tickets or gambling chips are treated as\ncash advances, not purchases.\n3.3 : Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay\noff other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 4 to 6 weeks to process\nyour balance transfer request. During that time, you should continue making payments to those accounts. Transaction\nFees apply. You will not earn any rewards points or cash back rebates on a balance transfer.\n3.4 : Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check\ncreates a cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank\xe2\x80\x99s property and must be\nreturned upon request. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You\ncannot stop payment on a Credit Card Check.\n4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account\nduring the preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing\nperiod, your minimum payment due, your payment due date (which is at least 25 days from the monthly statement closing\ndate), and other important information. We send your monthly statement to only one address, even if the Account has\nmultiple owners. See the \xe2\x80\x9cBILLING RIGHTS SUMMARY\xe2\x80\x9d section near the end of this Agreement for important information\n(including the need to promptly review your monthly statement and report any errors).\n5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period\nappears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your monthly statement. The Outstanding Balance at the end of the previous billing\nperiod is called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d. The New Balance is determined by taking the Previous Balance and (1)\nsubtracting any payments and credits received by us during the current billing period and then (2) adding any purchases,\ncash advances, balance transfers, interest charges, fees, and other adjustments.\n6.0 : PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments\n\nmust be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all\nconversion fees, bank collection fees and other expenses we may incur. (Such fees and expenses are treated as\npurchases.) Do not send cash payments.\n6.1 : Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received\nby 5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in\nposting your payment to your Account. Such delay may result in a late payment fee and additional interest charges.\n6.2 : Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the\nNew Balance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2)\nthe greater of: (a) $30 plus any late payment fees, or (b) 2.5% (1.75% for Agility Cash Credit Card, Clarity Credit Card,\nand Vivid Rewards Credit Card) of the New Balance plus interest charges and any late payment fees. (For Visa\nSignature Cards, in addition to the foregoing amounts, your minimum payment amount will include the full amount by\nwhich your New Balance exceeds your credit limit.) For all cards, making only the minimum payment will increase\nthe amount of interest you pay and the time it takes to repay your balance.\n6.3 : Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid\ninterest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), and then to\neach successive balance bearing the next higher APR until the payment is exhausted. You must pay at least the\nminimum payment amount on your statement each month, even if you paid more than the minimum payment in an\nearlier month.\n6.4 : Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement\n(such as \xe2\x80\x9cpaid in full\xe2\x80\x9d or \xe2\x80\x9cin settlement\xe2\x80\x9d). We can receive and credit your Account with the amount of any late payments,\npartial payments or payments with restrictive endorsements without losing or waiving our right to receive timely payment\nin full.\n6.5 : Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk,\nhowever, we may delay when that payment increases your Account\xe2\x80\x99s available credit.\n6.6 : Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty.\n\n\x0c7.0: RATES AND FEES. Annual Percentage Rates, Daily Periodic Rates, and Fees and other disclosures are found on\nthe Table at the end of this agreement. The card carrier containing your Card also includes disclosures specific to your\nCard Account. The terms of these disclosures are incorporated by reference into this Agreement. Review these\ndisclosures carefully and keep in your records.\n8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not\nreceived at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this\nAgreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have\nfurnished false or misleading information on the Card Application; (e) you are in default under any other obligations you\nmay owe to us; or (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this\nAgreement. If your Account is in default, we may declare the Outstanding Balance immediately due and payable, close\nyour Account, and recover all Cards and unused Credit Card Checks.\n9.0: ATTORNEYS\xe2\x80\x99 FEES; COLLECTION EXPENSES; VENUE IN UTAH. You agree to pay our reasonable collection\nexpenses, whether or not any court or arbitration proceedings are filed. Collection expenses include reasonable attorneys\xe2\x80\x99\nfees, the cost of Bank staff (including in house counsel), and out of pocket expenses (whether or not such expenses are\nawardable as \xe2\x80\x9ccourt costs\xe2\x80\x9d). Unless prohibited by law, you agree that we may bring legal action against youin the State of\nUtah, regardless of where you reside.\n10.0 : INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the\n\nclosing of your Account.\n10.1 : Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic\ninterest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly\nstatement by the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer\nfrom the date of that purchase or balance transfer transaction. For every cash advance we charge interest from the date\nof that transaction. There is no grace period during which a cash advance can be repaid without incurring an interest\ncharge.\n10.2 : Periodic Interest Charge Calculation(s). The interest charged on purchase transactions and balance transfers is\ncalculated separately from the interest charged on cash advances. Those separately calculated interest amounts are then\ncombined to determine the total interest charged for the billing period. For each category of transactions, interest is\ncalculated as follows. (1) First, we determine the \xe2\x80\x9caverage daily balance\xe2\x80\x9d by taking each day\xe2\x80\x99s beginning balance, adding\nany new transactions, and subtracting any payments or credits. We do not add interest incurred during the billing period.\nThe result is the \xe2\x80\x9cdaily balance.\xe2\x80\x9d We then add all the daily balances for the billing period and divide by the number of days\nin the billing period. The result is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d (also called the \xe2\x80\x9cbalance subject to interest charge\xe2\x80\x9d on your\nmonthly statement). (2) Second, we multiply the average daily balance by the number of days in the billing period. That\nnumber is then multiplied by the daily periodic rate (DPR) for that category of transactions. The resulting number is the\ninterest charged for that category of transactions. If you are charged interest, the minimum interest charge will be no less\nthan $1.\n11.0 : ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) AND DAILY PERIODIC RATE (\xe2\x80\x9cDPR\xe2\x80\x9d). The APR and DPR for all\n\ntransactions are variable rates. The APR for a particular billing period is the sum of the Bank\xe2\x80\x99s \xe2\x80\x9cPrime Rate\xe2\x80\x9d for that\nbilling period plus a \xe2\x80\x9cMargin.\xe2\x80\x9d The applicable Margin depends on the type of transaction and the type of credit card\nAccount. Daily periodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). The\nAPR and DPR on the Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and\nfor each category of transactions, is disclosed in your monthly statement.\n11.1 : \xe2\x80\x9cPrime Rate\xe2\x80\x9d and the \xe2\x80\x9cIndex\xe2\x80\x9d. The Prime Rate is equal to, and varies with, an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d).\nThe Index is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank\xe2\x80\x99s\nPrime Rate is the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar\nmonth in which that billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the\nIndex becomes unavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the\namount of your minimum payment, will increase or decrease as the Index and Bank\xe2\x80\x99s Prime Rate increase or decrease.\nThe resulting changes in your APR and DPR will take effect on the first day of your billing cycle the following month. You\nacknowledge that the Bank\xe2\x80\x99s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its\ncustomers, now or in the future.\n11.2 : Military Lending Act (MLA). The Military Lending Act provides protections for members of the Armed Forces and\ntheir dependents.\n11.2.1 : Statement of MAPR (Military Annual Percentage Rate). Federal law provides important protections to members\nof the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n\n\x0c(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).\n11.2.2 : Oral Disclosures. Before accepting this Agreement, in order to hear important disclosures and payment\ninformation about this Agreement, you may contact us at 1-844-210-3601.\n11.2.3 : Applicability of Dispute Resolution Provision. The Jury Waiver, Class Action Waiver, and Arbitration\nAgreement in the Dispute Resolution Provision set forth in this Agreement do not apply to Covered Borrowers.\n12.0 : ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the\n\ncarrier containing your card.\n12.1 : Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when\nassessed, and added to the balance of the transaction.\n12.2 : Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the\nbalance of the transaction.\n12.3 : Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we\ncharge a late payment fee.\n12.4 : Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because\nit cannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item.\n12.5 : Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and\nevery twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in\nthe Table that appears on the carrier containing your Card.\n12.6 : International Transaction Fee. Each international transaction will be assessed a fee of the U.S. dollar amount of\nthe transaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars\nfrom a foreign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars amount\nby Visa International using its procedures in effect at the time. Under current procedures, the foreign currency conversion\nrate is either a wholesale market rate or a government mandated rate in effect one day prior to the date the transaction is\nprocessed by Visa. The currency conversion rate in effect on the processing date may differ from the rate in effect on the\ntransaction date or the posting date. This fee is added to the balance of the transaction.\n12.7 : Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge you\na research fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item.\n12.8 : Expedited Card Delivery Fee and Emergency Card Fee. We may charge a fee if you request \xe2\x80\x9cexpedited delivery\xe2\x80\x9d\nof a Card that requires an outside delivery service provider. We may also charge a fee if you request to personally obtain\nan \xe2\x80\x9cemergency Card\xe2\x80\x9d at our Bankcard Center that requires special card production. The current amounts of these fees will\nbe disclosed at the time of your requests and before you agree to incur the charges. These fees are charged to your\nAccount as a purchase.\n13.0 : Card Benefits.\n13.1 : Priority Pass Select \xe2\x80\x93 for Reserve Cards Only. Reserve cardholders have access to 5 (five) free airport lounge\n\nvisits per membership year. Each member visit and each accompanying guest(s) visit applies against the free visit\nallowance. After the free visits have been used, the member\xe2\x80\x99s Reserve credit card will be charged a lounge visit fee of\n$27 per person per visit for the member and each guest. Lounge benefits, services, and facilities differ by location and\nmay only be available at an additional charge. For more information, refer to the Priority Pass Select Agreement.\n13.2 : Annual Travel Credit \xe2\x80\x93 for Reserve and Elite Cards Only. A statement credit will automatically be applied to your\naccount when your card is used for purchases in certain travel categories, up to an annual maximum of $250 for Reserve\ncards or $100 for Elite cards. Annual Travel Credits are refreshed once yearly, the day after the anniversary of your\naccount open date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental Cars,\nHotels, Cruise Lines, Travel Agencies, Airport Terminals, Global Entry, TSA Precheck, and Gogo Inflight Wi-Fi.\nIdentification of qualified purchases is subject to merchants\xe2\x80\x99 billing. Statement credit(s) will post to your account within 3\ndays of the settled purchase and will appear on your monthly credit card billing statement within 1-2 billing cycles. With\nquestions about your Annual Travel Credit, or when your next Annual Travel Credit will become available, call the number\non the back of your card. To qualify, purchases must: 1) be completed using the full Visa 16-digit card number referenced\nduring the Program period; 2) post to the card account referenced during the Program period; 3) be identified as a\nqualifying purchase based on the information available on Visa\xe2\x80\x99s proprietary network (VisaNet); The merchant must\nsubmit the purchase transaction under the appropriate merchant code, industry code, or required service or product\nidentifier for the purchase to the identified as a qualifying travel purchase. Your card must remain in good standing in\norder to receive the statement credit. Please allow 1-2 billing cycles to receive your statement credit. Cardmembers are\nresponsible for payment of all charges until the statement credit posts to the account. Visa and Zions Bancorporation,\nN.A. reserve the right to modify or cancel this offer at any time and without notice.\n14.0 : ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD:\n14.1 : Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit\n\nappears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that\nwould at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding\n\n\x0cBalance even if it exceeds your Credit Limit. The Bank may decrease your Credit Limit at any time and will notify you of\nsuch change. In addition, you may request a change in your Credit Limit by writing to the address shown on your monthly\nstatement or by calling 1-800-494-1698.\n14.2: Transfers: Not available on all Visa Signature cards, for cards with transfer capability the Card may be used at the\nATMs described above to make electronic transfers to or from your checking account, savings account or other consumer\nasset account you may have at the Bank (subject to the Bank\'s rules, regulations and agreements governing such\naccounts, which you should have already received and which are incorporated herein). You may request copies of these\nmaterials by calling 1-888-758-5349. Transfers from your Card Account to your checking account, savings account or\nother consumer asset account will be treated as a cash advance subject to a Cash Advance Transaction Fee.\n14.3: No Pre-Set Spending Limit: This Section 14.3 applies ONLY if you have a Visa Signature credit card OTHER\nTHAN the AmaZing Rewards\xc2\xae Signature, AmaZing Cash\xc2\xae Signature, Agility Cash Signature, Vivid Rewards\nSignature, Premier, Elite, or Reserve credit card. There is no pre-set spending limiton your card; no pre-set spending\nlimit does not mean unlimited spending. You agree to pay in full each month any amount that exceeds your Credit Limit.\nEach transaction that causes your new balance to exceed your Credit Limit will beevaluated for approval based on\nfactors such as card fraud, account history, revolving balances, payment history, credit record, prior cash advances, and\nsafety and soundness considerations.\n15.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Launch Secured Account (a credit line secured\nby funds in a savings or CD account at Bank), you have given the Bank a security interest in a savings account at the\nBank to secure payment of your Account.\n16.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and\nindividually liable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may send\nall monthly statements and other notices to any one of you. Such monthly statements and notices shall be deemed\nreceived by each and all of you.\n17.0 : INTERPRETATION; EFFECT.\n17.1 : Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is\n\nclosed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is\npaid in full.\n17.2 : Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or\nintention of any portion of this Agreement.\n17.3 : Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be\ncontradicted with evidence of any alleged oral agreement.\n17.4 : Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain\nenforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.\n17.5 : Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not be\ndeemed to release, waive, impair or discharge those rights or obligations.\n17.6.: Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior\nwritten permission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you.\nThis Agreement shall be binding upon the parties\xe2\x80\x99 heirs, representatives, successors, and assigns.\n17.7: GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED\nIN ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, REGARDLESS OF\nPRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD.\n18.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa\nU.S.A., its Members, or their respective contractors for the purpose of providing the services described in this Agreement,\nor emergency cash and emergency card replacement services.\n19.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account,\nCard or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to\nconduct transactions in any country or territory, or with any individual or entity, that is subject to economic sanctions\nadministered and enforced by the U.S. Department of the Treasury\'s Office of Foreign Assets Control (OFAC); or (d) to\ngamble on the Internet. Display of a Visa logo or other payment system logo by any person (e.g., an online merchant), or\nacceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, your\nAccount or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we\nbelieve may be prohibited under this section. We may also block use of your Card in countries or territories subject to\nOFAC sanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.\n20.0: AGREEMENT TO PAY. You agree to timely pay your Outstanding Balance, regardless of whether the charges were\nincurred for personal, family, household or business purposes. Your liability includes all charges made by all persons you\npermitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check even if you\nwere unaware of the charges or they caused you to exceed your Credit Limit.\n\n\x0c21.0 : LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number or Credit Card Checks are lost or stolen, or\n\nif you think that someone used or may use them without permission, you agree to notify the Bank immediately by calling\n1-866-749-7460. You may need to provide the Bank with certain information in writing to help the Bank determine what\nhappened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you\nnotify the Bank of any fraudulent transactions.\n21.1 : Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if\n\nyou notify the Bank within two business days. In any case, your liability will not exceed $50.\n22.0: REFUSAL TO HONOR TRANSACTIONS. We are not responsible or liable for any claim arising from or related to:\n(a) the refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or\nCredit Card Check; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent\nprovided in \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior\ncredit authorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to\nuse the Card in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order.\n23.0 : FINANCIAL AND CREDIT INFORMATION.\n23.1 : Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card\n\nApplication.\n23.2 : Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations\nabout you, and to disclose to others credit information about your Account and your performance under this Agreement.\nWe may ask credit bureaus for reports of your credit history. At your request, we will tell you whether or not we have\nrequested such reports, and the names and addresses of the credit bureaus furnishing the reports. We may act through\nour agents, who may act in our name or their own names.\n23.3 : Negative Credit Reporting. You are hereby notified and agree that we may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. We may report through our agents (including but not limited to Zions Management Services\nCompany) who may act in our name or their own names. Please notify us if we report any inaccurate information about\nyour Account(s) to a credit bureau. Your written notice describing the specific inaccuracy should be sent to us at the\nfollowing address: California Bank & Trust, Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125.\n24.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home\naddress, or mailing address. Until you notify us of updated information, we can send statements, notices and other\ncommunications to the name and address in our records, and they will be deemed effectively delivered for all purposes. If\nyour mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can suspend\nmailing your statements, notices and other communications until a valid address is received from you.\n25.0: CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing. We may close your\nAccount at any time without cause and without notice. When your Account is closed (whether by you or us), your right to\nuse the Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact\neveryone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.)\nto cancel future transactions. Such transactions may continue to be charged to your Account until you change the billing,\nand you will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your\nAccount after you have requested to close your Account, we may (but are not required) allow the transaction to be\ncharged to your Account and you will be liable for the charges.\n26.0: VISA ACCOUNT UPDATER. Card accounts are automatically enrolled in the Visa Account Updater (VAU) feature\nrequired by Visa. This feature enables the electronic exchange of account information between Visa and participating\nmerchants to support payment continuity with credential-on-file merchants. Visa will securely provide updated credit card\ninformation when your Card is re-issued for any reason or is closed. Updates are not guaranteed before the next billing\ncycle; the Bank is not responsible for late, missed, or recurring payments. To opt-out of the Visa Account Updater feature\nfor your card account, please contact the Bank by calling the number on the back of your card.\n27.0 : DISPUTE RESOLUTION PROVISION. This Dispute Resolution Provision contains a jury waiver and a judicial\n\nreference agreement. READ IT CAREFULLY. No portion of this Dispute Resolution Provision shall be interpreted or\napplied in a manner prohibited by governing law, but all other portions shall remain in effect. The jury waiver, class\naction waiver, and arbitration agreement in this Dispute Resolution provision do not apply to you if, as of the\ndate of this agreement, you are a member of the Armed Forces or a dependent of such member entitled to\nprotection under the Federal Military Lending Act.\n27.1 : GENERAL PROVISIONS GOVERNING ALL DISPUTES.\n27.1.1 : PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall\n\nsupersede and replace any prior \xe2\x80\x9cJury Waiver,\xe2\x80\x9d \xe2\x80\x9cJudicial Reference,\xe2\x80\x9d \xe2\x80\x9cClass Action Waiver,\xe2\x80\x9d \xe2\x80\x9cArbitration,\xe2\x80\x9d\n\n\x0c\xe2\x80\x9cDispute Resolution,\xe2\x80\x9d or similar alternative dispute agreement or provision between or among the parties\nrelating to this Agreement or the subject matter hereof.\n27.1.2 : \xe2\x80\x9cDISPUTE\xe2\x80\x9d DEFINED. As used herein, the word \xe2\x80\x9cDispute\xe2\x80\x9d includes, without limitation, any claim by either party\n\nagainst the other party related to this Agreement, your Card or Account. Disputes include without limitation class\naction claims brought by either party as a class representative on behalf of others and claims by a class\nrepresentative on either party\xe2\x80\x99s behalf as a class member and any action, suit, case or claim brought by either\nparty as a private attorney general. Disputes also include without limitation matters involving the validity, enforceability,\nmeaning or scope of this dispute resolution provision and disputes based on or arising from an alleged tort or matters\ninvolving the employees, officers, agents, affiliates or assigns of a party hereto.\nIf a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior\nlienholder or title company), each party hereto agrees to consent to including that third party in any arbitration or judicial\nreference proceeding for resolving the Dispute with that third party.\n27.1.3 : JURY WAIVER; CLASS ACTION WAIVER. Each party waives its, his or her respective rights to a trial\n\nbefore a jury in connection with any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless\nresolved in a judicial reference proceeding pursuant to Section 27.1.5. If permitted by applicable law, each party also\nwaives the right to litigate in court or a reference proceeding any Dispute as a class action, either as a member of\na class or as a representative, or to act as a private attorney general.\n27.1.4 : SURVIVAL. This Dispute Resolution Provision shall survive any termination, amendment or expiration of this\n\nAgreement or of any other relationship between the parties.\n27.1.5 : JUDICIAL REFERENCE. To the extent a jury waiver or class action waiver is not permitted by applicable law and\n\na Dispute arises between the parties hereto, each party shall have the right, but not the obligation, to require that it be\nresolved by judicial reference in accordance with California Code of Civil Procedure, Sections 638, et seq. BY\nAGREEING TO RESOLVE DISPUTES BY JUDICIAL REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT\nPARTY MAY HAVE TO A JURY TRIAL. The referee shall be a retired judge, agreed upon by the parties, from either the\nAmerican Arbitration Association (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot\nagree on the referee, the party who initially selected the reference procedure shall request a panel of ten retired judges\nfrom either AAA or JAMS, and the court shall select the referee from that panel. If AAA and JAMS are unavailable to\nprovide this service, the court may select a referee by such other procedures as are used by that court. The referee shall\nbe appointed to sit with all of the powers provided by law, including the power to hear and determine any or all of the\nissues in the proceeding, whether of fact or of law, and to report a statement of decision. The parties agree that time is of\nthe essence in conducting the judicial reference proceeding set forth herein. Except as otherwise provided in this\nparagraph, the costs of the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by\nthe parties as the costs are incurred, unless otherwise awarded by the referee. If Bank commences a judicial reference\nproceeding regarding a consumer Dispute, Bank shall pay all referee fees, regardless of whether or not the consumer is\nthe prevailing party in such proceeding, unless such Dispute involves a claim for damages by a consumer and is found by\nthe referee to be frivolous. For purposes of this paragraph, \xe2\x80\x9cconsumer Dispute\xe2\x80\x9d shall mean a Dispute involving credit or\nservices provided by Lender or Bank, primarily for personal, family or household purposes, in which the claim for\ndamages is less than $75,000. The referee shall hear all pre-trial and post-trial matters (including without limitation\nrequests for equitable relief), prepare a statement of decision with written findings of fact and conclusions of law and\napportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal relief, provide all\ntemporary or provisional remedies, enter equitable orders that are binding on the parties and rule on any motion that\nwould be authorized in a trial, including without limitation motions for summary adjudication. Judgment upon the award\nshall be entered in the court in which such proceeding was commenced and all parties shall have full rights of appeal.\nThis provision will not be deemed to limit or constrain Bank\xe2\x80\x99s right of offset, to obtain provisional or ancillary remedies, to\ninterplead funds in the event of a dispute, to exercise any security interest or lien Bank or Lender may hold in property, or\nto comply with legal process involving accounts or other property held by Bank or Lender.\n27.1.6 : RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not seek\n\nto enforce a jury waiver, class action waiver or judicial reference provision in the event of suit, and (ii) acknowledges that it\nand the other party have been induced to enter into this Agreement by, among other things, material reliance upon the\nmutual waivers, agreements and certifications in this Dispute Resolution Provision.\n28.0 : BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank\'s\n\nresponsibilities under the Fair Credit Billing Act.\n28.1 : Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more\ninformation about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights\nSummary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the\nfirst bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we\nwill not be required to investigate any potential errors. In your letter, include the following information:\n\xe2\x80\xa2 Your name and account number.\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe date and dollar amount of the suspected error.\nDescribe the error, and explain if you can, why you believe there is an error. If you need more information,\ndescribe the item you are not sure about.\nIf you have authorized us to pay your Account automatically from your savings or checking account or you have\nauthorized an automatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop\nthe payment your letter must reach us three business days before the automatic payment is scheduled to occur.\n28.2 : Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter\nwithin 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we\nbelieve the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can\ncontinue to bill you for the amount you question, including interest charges, and we can apply any unpaid amount against\nyour Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to\npay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay interest charges, and you will have to\nmake any missed payments on the questioned amount. In either case, we will send you a statement of the amount you\nowe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you\nto that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell\nanyone we report you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we\ncan\xe2\x80\x99t collect the first $50 of the questioned amount, even if your bill was correct.\n28.3 : Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with your Card and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the\nfollowing must be true:\n(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase 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.)\n(2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that access your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nCalifornia Bank & Trust\nBankcard Services\nP.O. Box 25787\nSalt Lake City, UT 84125-0787\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.\nRevised 02/01/2021\n\nM-126720\n\nA division of Zions Bancorporation, N.A. Member FDIC\n\n\x0cADDENDUM 1: Disclosure Statement for California Bank & Trust\nThis Addendum applies to ZB, N.A. dba California Bank & Trust credit cards: Visa Signature, Visa Platinum, Visa\nClassic, and Secured Visa Credit Cards. These products are no longer offered.\nINTEREST RATES AND INTEREST CHARGES\nPurchases Annual Percentage Rate\n(APR)\n\n4.00% + Prime Rate to 9.00% + Prime Rate\nbased on the card type and your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n4.00% + Prime Rate to 9.00% + Prime Rate based on the card type and your\ncreditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n15.99% + Prime Rate\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases and balance transfers if you pay your\nentire balance due by the due date each month. We will begin charging interest\non cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\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\ncredit card, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Account Fee\n\nVisa Signature card: $75\nVisa Platinum and Visa Classic cards: None\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of each transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n2% of each transfer amount but not less than $5 or more than $50.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in\nU.S. dollars or converted from a foreign currency.\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $10\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 2 \xe2\x80\x93 Disclosure Statement for California Bank & Trust\nThis Addendum applies to the following Zions Bancorporation, N.A. dba California Bank & Trust credit cards:\nAmaZing Rate\xc2\xae, AmaZing Cash\xc2\xae, AmaZing Cash\xc2\xae Signature, AmaZing Rewards\xc2\xae, AmaZing Rewards\xc2\xae Signature,\nAmaZing Launch\xc2\xae (this product is no longer offered), and AmaZing Launch\xc2\xae Secured Credit Cards.\nINTEREST RATES AND INTEREST CHARGES\nPurchases Annual\nPercentage Rate (APR)\n\nPrime Rate + 6.49% to Prime Rate + 12.49% for\nAmaZing Rate Cards\n\nPrime Rate + 7.99% to Prime Rate + 10.99% for\nAmaZing Rewards Visa Signature and AmaZing Cash Visa Signature Cards\n\nPrime Rate + 8.99% to Prime Rate + 14.99% for\nAmaZing Rewards Visa and AmaZing Cash Visa\n\nPrime Rate + 15.99% for AmaZing Launch Secured Visa\nPrime Rate + 12.99% to Prime Rate + 15.99% for\nAmaZing Launch Visa (this product is no longer offered)\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPrime Rate + 6.49% to Prime Rate + 12.49% for AmaZing Rate Cards\nPrime Rate + 7.99% to Prime Rate + 10.99% for AmaZing Rewards Visa Signature\nand AmaZing Cash Visa Signature Cards\nPrime Rate + 8.99% to Prime Rate + 14.99% for AmaZing Rewards Visa and\nAmaZing Cash Visa\nPrime Rate + 15.99% for AmaZing Launch Secured Visa\nPrime Rate + 12.99% to Prime Rate + 15.99% for AmaZing Launch Visa (this\nproduct is no longer offered)\nPrime Rate + 4.00% APR on balances transferred from your existing California Bank\n& Trust Credit Card Account to an AmaZing product.\nThese APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate + 15.99%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases and balance transfers if you pay your entire balance due\nby the due date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.\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 Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Account Fee\n\n$25 for AmaZing Launch and AmaZing Launch Secured Card.\nNone for all other card types named in this Table.\n\nTransaction Fees:\n\xe2\x96\xaa\n\nCash Advance\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational\nTransaction\n\n3% of the U.S dollar amount of each transaction, whether originally made in U.S.\ndollars or converted from a foreign currency.\n\n\x0cPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $10 if not paid by the 10th day following payment due date.\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $25\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cADDENDUM 3 \xe2\x80\x93 Disclosure Statement for California Bank & Trust\nThis Addendum applies to the following Zions Bancorporation, N.A. dba California Bank & Trust credit cards:\nPremier, Elite, and Reserve.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 10.99% to Prime Rate + 18.99% for\nPremier and Elite Cards\n\nPrime Rate + 10.99% to Prime Rate + 20.99% for\nReserve Cards\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00 % intro APR for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account. After that, your balance transfer APR will be:\nPrime Rate + 10.99% to Prime Rate + 20.99%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions\nBancorporation, N.A. Credit Card Account to a new Premium product.\n\nPrime Rate + 19.99% to Prime Rate + 20.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nPremier: $95 (waived first year)\nElite: $195\nReserve: $450; $50 per year for each additional person on account\n\nTransaction Fees:\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $5.\n\n\xe2\x96\xaa\n\nCash Advance\n\n5% of the amount of each transaction, but not less than $10.\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $35\n\nPriority Pass Select Fees:\n(for Reserve cards only)\n\xe2\x96\xaa\n\nMembership Fee\n\n$0\n\n\xe2\x96\xaa\n\nLounge Access Fee\n\n$27 per person per visit after your five (5) complimentary visits per 12-month Priority\nPass Select Membership period.\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more\ndetails.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0cADDENDUM 4 \xe2\x80\x93 Disclosure Statement for California Bank & Trust\nThis Addendum applies to the following Zions Bancorporation, N.A. dba California Bank & Trust credit cards: Vivid\nRewards, Agility Cash, and Clarity credit cards.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% intro APR for 6 months from date of Card Account opening. After that,\nyour APR will be:\n\nPrime Rate + 9.00% to Prime Rate + 21.00% for Vivid\nRewards and Agility Cash Cards\n\nPrime Rate + 6.50% to Prime Rate + 15.50% for Clarity\nAPR for Balance Transfers\n\nCards\nThese APRs will vary with the market based on the Prime Rate.\nFor the following intro APR to apply, balance transfer request(s) must be received\nwithin 60 days of your Card Account opening date:\n0.00% intro APR: for 12 months on Vivid Rewards and Agility Cash; for 15 months on\nClarity on balance(s) transferred from a non-Zions Bancorporation, N.A. account.\nAfter that, your balance transfer APR will be:\nPrime Rate + 6.50% to Prime Rate + 21.00%, depending on the APR\napplicable to your Account.\nThese APRs will vary with the market based on the Prime Rate.\n\xe2\x80\xa2\n\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n7.00% Fixed on balances transferred from your existing Zions\nBancorporation, N.A. Credit Card Account to a new Premium product.\n\nPrime Rate + 18.00% to Prime Rate + 22.00%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases and balance transfers if you pay your entire\nbalance due by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\nIf you are charged interest, the charge will be no less than $1\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the Consumer Financial Protection Bureau website at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Account Fee\nTransaction Fees:\n\nNone\n\n\xe2\x96\xaa\n\nBalance Transfer\n\n3% of the amount of each transaction, but not less than $10\n\n\xe2\x96\xaa\n\nCash Advance\n\n4% of the amount of each transaction, but not less than $10 for Vivid and Agility\nCards\n3% of the amount of each transaction, but not less than $10 for Clarity Cards\n\n\xe2\x96\xaa\n\nInternational Transaction\n\nNone\n\nPenalty Fees:\n\xe2\x96\xaa\n\nLate Payment\n\nUp to $35 for Vivid and Agility Cards; None for Clarity Cards\n\n\xe2\x96\xaa\n\nReturned Payment\n\nUp to $30 for Vivid and Agility Cards; None for Clarity Cards\n\nHow we will calculate your balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See the card agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.\n\n\x0c'