b'CREDIT CARD AGREEMENT\n\nP.O. Box 123\nAnnapolis Junction, MD 20701-0123\n301-497-7000 \xe2\x80\xa2 800-787-8328\ntowerfcu.org\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TOWER FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\n(Borrower Initials)\n\n(Co-Borrower Initials)\n\nUsing Your Card; Credit Limits. You can purchase or lease goods and\nservices from any merchant who honors your Card. For the Gold\nMastercard\xc2\xae, you can obtain cash advances up to your maximum credit limit\nfrom financial institutions and ATM machines that accept the Card. For World\nMastercard\xc2\xae and Empower Mastercard\xc2\xae, you can obtain cash advances up\nto 30% of your credit limit. You agree not to present your Card or obtain a\ncash advance for any extension of credit in excess of your available credit\nlimit; however, if you do exceed your credit limit, you agree to make\nimmediate payment sufficient to bring the balance below the credit limit.\nCertain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide\nidentification. If our system is not working, we may not be able to authorize a\ntransaction, even though you have sufficient credit available. Also, for security\nreasons, we may block the use of your Card in certain countries or geographic\nareas. We will have no liability to you or others if any of these events occur.\nAccount Updating Service. The credit card payment processing network\n(e.g., Visa, Mastercard) in which we participate has an account updating\nservice in which your card is automatically enrolled. When your card(s) expire\nand new cards are issued, the service may update your card data such as\ncard numbers and expiration dates to the processing network\xe2\x80\x99s database.\nParticipating merchants to whom you have authorized recurring payments\nmay access this database in an attempt to facilitate uninterrupted processing\nof your recurring charges. Updates are not guaranteed to be made before\nyour next payment is due and not all merchants participate in the service; it is\nyour responsibility to make your payments until recurring payments can be\nresumed. This service is provided as a free benefit to you. The Credit Union\nhas no responsibility for the accuracy or timeliness of the account updating\nservice or its database. If at any time you wish to opt-out of the account\nupdating service or if you have any questions, please call 301-497-7000 or 1800-787-8328 to do so.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\n9011 LASER FPDF FI19188 Rev 4-2021\n\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nFor the Gold Mastercard\xc2\xae:\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFor World Mastercard\xc2\xae and Empower Mastercard\xc2\xae:\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of any outstanding balance each month\nby the date on which the payment is due. If you do not pay the full amount of\nthe outstanding balance by the date on which the payment is due, the new\nbalance of your account, and subsequent advances from the date they are\nposted to the account, will be subject to an Interest Charge. You cannot avoid\nInterest Charges on cash advances and balance transfers; even if you pay the\nentire cash advance balance or balance transfer balance by the payment due\ndate, you will incur the Interest Charges accrued from the date the cash\nadvance or balance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TOWER FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR\nCARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (866) 570-1238 or (515) 457-2082 (outside US).\nYou agree to follow up your call with notice in writing to us at: P.O. Box 10452,\nDes Moines, IA 50306-0452. You also agree to assist us in determining the\nfacts, circumstances and other pertinent information relating to any loss, theft\nor possible unauthorized use of your Card and comply with such procedures\nas we may require in connection with our investigation. You will have no\nliability for Mastercard\xc2\xae transactions not authorized by you, provided that you\nhave exercised reasonable care in safeguarding the Card from risk of loss or\ntheft, and upon becoming aware of such loss or theft, you promptly report the\nloss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nNegative Information Notice: We may report information about your\naccount to credit bureaus. Late payments, missed payments, or other\ndefaults on your account may be reflected in your credit report.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\n9011 LASER FPDF FI19188 Rev 4-2021\n\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time), even if you are located in the\nUnited States.\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement or account at any time, subject to applicable law. You may\nterminate this Agreement or account by written notice. Termination by either\nparty shall not affect your obligation to repay any balance on your account\nresulting from use of the Card as well as Interest Charges and fees incurred.\nWe may change the terms of this Agreement, including the method of\ncalculating the periodic rate, at any time, by written notice, subject to\napplicable law. Use of the Card constitutes agreement and acceptance of any\nchange in terms, unless applicable law requires otherwise. Our failure to\nexercise any of our rights or to take any action shall not constitute a waiver of\nthose rights, or an amendment or change in any of the terms of this\nAgreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Mastercard may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1.\n\nNOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit 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 insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 301-497-7000 for local calls or if outside the 301 area code call toll-free 1-800-787-8328, 24 hours a day, 7 days a week.\n\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair 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(es)\nbelow.\nTower Federal Credit Union\nP.O. Box 10452\nDes Moines, IA 50306-0452\nRisk_Email@tmg.global\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing, or electronically. You may\ncall us, but if you do, we are not required to investigate any potential errors\nand 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\n9011 LASER FPDF FI19188 Rev 4-2021\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit 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\npurchase, contact us in writing, or electronically at the address(es) listed\nabove.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'CREDIT CARD AGREEMENT\n\nSouthland Credit Union\n\nCREDIT UNION\n\nP.O. Box 3003\nLos Alamitos, CA 90720-1303\n800.426.1917 \xe2\x80\xa2 fax 866.630.5792\nwww.SouthlandCU.org\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS SOUTHLAND CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD,\nYOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT,WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n9011 LASER VELOCITY Fl19851 9-2017\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using ii. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases and Balance Transfers Only: You can avoid\nInterest Charges on purchases and balance transfers by paying the full\namount of the new balance for purchases and balance transfers each month\nby the date on which the payment is due. Otherwise, the new balance of your\naccount, and subsequent advances from the date they are posted to the\naccount, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances; even if you pay the entire cash advance balance\nby the payment due date, you will incur the Interest Charges accrued from the\ndate the cash advance is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-in\xc2\xad\nLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (800) 426-1917. You agree to follow up your call\nwith notice in writing to us at: P.O. Box 3003, Los Alamitos, CA 90720-1303.\nYou also agree to assist us in determining the facts, circumstances and other\npertinent information relating to any loss, theft or possible unauthorized use of\nyour Card and comply with such procedures as we may require in connection\nwith our investigation. You will be liable for any unauthorized use only if we\ncan prove that you were negligent in your use or handling of your Card, or if\nwe can prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON \\/\\/HO ACCEPTS THIS AGREEMENT OR USES THE CARD THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT "V\'vE", "US", "OUR" AND THE "CREDIT UNION" MEANS SOUTHLAND CREDIT UNION OR ITS SUCCESSORS BY USING YOUR CARD,\nYOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you awe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou awe has been paid, and any shares that were given as security for your\naccount may be applied towards what you awe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nstatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\npage 2 of 3\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent\n(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement\nand apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty\nmember of the military or a dependent:\n1.\n\nNOTICE:\n\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit 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 insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call 1-888-532-4686 24 hours a day, 7 days a week.\n\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to\nestablish a secured share or deposit account in connection with this credit card account ("Secured Account"). Only funds deposited into the Secured\nAccount after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents\nwill not apply to the Secured Account or your other share or deposit accounts for this account.\nHowever, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.\nAny contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.\n3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card\naccount does not apply.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit 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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0c'


b'IMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\naccurate as of _01/01/2018_____. You can contact us toll free at the number or address on Page 1 to inquire if\nany changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nPlatinum VISA\nAnnual Percentage Rate (APR)\nfor Purchases & Balance\nTransfers\n\n0.00%*\n\nIntroductory APR for one\nyear, based on your creditworthiness.\nAfter that, your Standard APR\nwill be\n\n10.24%, 11.24%, or\n13.24% depending on your\n\ncredit history. This APR will vary with\nthe market based on the Prime Rate.\n\nClassic VISA\n\n16.24% or\n18.24%\n\ndepending on your\ncredit history. This\nAPR will vary with the\nmarket based on the\nPrime Rate.\n\nSecured VISA\n\n14.24 \xc2\xb0/o\n\nThis APR will vary\nwith the market based\non the Prime Rate.\n\nAPR for Cash Advances\n\n19.99%\n\nPenalty APR and When it\nApplies\n\n21.99%\nThis APR may be applied to your account if you make a payment that is late 60 days or\nmore.\nHow Long Will the Penalty APR Apply? If we increase your APRs due to a late\npayment, we may keep them at this higher level on existing and new balances until you\nmake six consecutive on-time payments.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge\nyou interest on purchases and balance transfers if you pay your entire new purchase\nand balance transfer balance by the due date each month. We will begin charging\ninterest on cash advances on the date the cash advance is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Returned Payment:\n\nNone\nEither $10.00 or 3% of the amount of each transfer, whichever is greater.\nEither $10.00 or 3% of the amount of each cash advance, whichever is greater.\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n0.8% of each transaction in U.S. dollars if the transaction does not involve a currency\nconversion\nUp to $10.00 if your payment is late 10 days or more\nUp to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late\npayment.\n*Not Every Applicant Will Qualify for the Introductory APR: If an applicant does not qualify for the Introductory APR, the\nStandard APR will apply.\n\n\x0c'


b'our notice, amendments will apply to your existing account\nbalance as well as to future transactions. The Credit Union can\ndelay enforcing any of its rights any number of times without\nlosing them.\n16. Terminate This Agreement. Either the Credit Union or you may\nterminate this Agreement at any time, but termination by you or the\nCredit Union will not affect your obligation to pay the account balance\nplus any FINANCE CHARGES and other charges you owe under this\nAgreement. The cards you receive remain the property of the Credit Union\nand you must recover and surrender to the Credit Union all cards upon\nrequest or upon termination\nof this Agreement whether by you or the credit union. Failure to\nsurrender your cards will result in a card recovery fee of $75 each,\nshould you attempt to use the cards.\n17. Statements and Notices. You will receive a statement each month\nshowing transactions on your account. You are responsible for your\nminimum monthly payment even in the event your statement is late or\nreturned to the Credit Union. Statements and notices will be\nmailed to you at the most recent address you have given the Credit\nUnion. Notice sent to any one of you will be considered notice to all.\n18. Cross Collateral. If cardholder has other loans from issuer,\nor takes out other loans with issuer in the future, collateral\nsecuring these loans, excluding any dwellings, will also secure\nthe Cardholder\xe2\x80\x99s obligations under this agreement. Cardholder\nagrees to pay all costs incurred by issuer in collecting\nCardholder\xe2\x80\x99s indebtedness or in enforcing this agreement,\nincluding attorney\xe2\x80\x99s fees as may be reasonable and just and also\nthose costs, expenses and attorney\xe2\x80\x99s fees incurred in appellate,\nbankruptcy, and post-judgment proceedings.\n19. Convenience Checks. Credit Card account Cardholders may\nsometimes be issued personalized checks that can be used to access\nyour credit account without additional service charges other than the\naccrual of FINANCE CHARGES. You can use your convenience checks to\npurchase goods and services or to obtain\ncash up to the amount of your credit line. Use of your checks will be a cash\nadvance on your VISA account. We are not required to honor a\nconvenience check that will cause you to exceed your Credit Line. We will\nnot pay a check if at the time the check is presented,\nyou are in default or we have suspended, terminated, or canceled\nyour Account. Checks may be used only by the person(s) whose\nname(s) is on the VISA account. You are responsible for all\nauthorized use of your convenience checks. You may not use your\nconvenience checks to pay any amount which you owe us under\nyour account. Provided such request is timely, so that we shall have\na reasonable opportunity to act upon it under our rules, you may\norder a stop payment on a convenience check drawn on your\naccount. We may, but shall not be obligated to receive such order\norally. In such event, the order shall be valid for only fourteen (14)\ndays thereafter unless confirmed in writing. Written stop payment\norders\n\nwill remain in effect only six (6) months unless renewed in writing.\nYou have the burden of establishing the fact and amount of loss\nresulting from payment contrary to a binding stop payment.\nConvenience checks are the property of the Credit Union. We\nreserve the right to revoke them at any time. You agree to return\nthem at our request.\n20. Honest Dealing. You will promptly notify the Credit Union of\nany information that affects your credit worthiness or ability to\npay off the balance including but not limited to a change in\naddress or employment. You will not apply to increase the Credit\nLine if you have reason to believe that you will be unable to\nmake the scheduled payments.\nTo find out about changes in the information in this application,\nwrite us at IH Mississippi Valley Credit Union, 2500 River Drive,\nMoline, IL 61265. Residents of Illinois may contact the Illinois\nDepartment of Financial & Professional Regulation for\ncomparative information on interest rates, charges, fees and\ngrace periods. IDFPR, 320 W Washington St FL 3, Springfield, IL\n62786: 888-473-4858.\nYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCredit Services\nPO Box 1010\nMoline, IL 61266-1010\n\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\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xc2\xb7 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xc2\xb7 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xc2\xb7 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xc2\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xc2\xb7 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xc2\xb7 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those\norganizations know 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\n$50 of the amount you question even if your bill is correct.\n\nIn your letter, give us the following information:\n\xc2\xb7 Account information: Your name and account number.\n\xc2\xb7 Dollar amount: The dollar amount of the suspected error.\n\xc2\xb7 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nYou must contact us:\n\xc2\xb7 Within 60 days after the error appeared on your statement.\n\xc2\xb7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase\nprice must have been more than $50.\n(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\nsold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\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\npurchase, contact us in writing at:\nCredit Services\nPO Box 1010\nMoline, IL 61266-1010\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nSpecial Rules for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchased with a credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\nproperty or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if\nnot within your home state, within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $ 50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nREAD AND RETAIN\nRevised May 2020\n\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase.\n\nG -17957\n\n\x0cIH Mississippi Valley Credit Union\nCREDIT CARD AGREEMENT\nThis card is issued by IH Mississippi Valley Credit Union\n(IHMVCU) pursuant to a license from Visa U.S.A. Inc.\nThe person who signed a Credit Card Application with IH\nMississippi Valley Credit Union and whose name is embossed on\na Credit Card issued by IH Mississippi Valley Credit Union, agrees\nto the following terms and conditions in this Credit Card\nAgreement.\nCREDIT CARD AGREEMENT\nNotice: See reverse side for important information\nregarding your rights to dispute billing errors.\nIn this Agreement the words you and your mean each and all of those\nwho apply for the card or who sign the Credit Card application. Card\nmeans the Credit Card and any duplicates and renewals we issue.\nEveryone who receives, signs or uses a card issued under this Agreement\nmust be a member of this credit union. Account means your Credit Card\nLine of Credit account with us. We, Us and ours means IH Mississippi\nValley Credit Union.\n1. Responsibility. Use of the Card or Account will signify acceptance of\nthe terms of the Credit Card Agreement. If we issue you a card, you agree\nto repay all debts, including purchases, advances, FINANCE CHARGES,\nLate Charges, and collection costs arising from the use of the card and\nthe card Account by you or any other person you permit to use your\nAccount even\nif that person exceeds your permission. For example, you are\nresponsible for charges made by yourself, your spouse and minor\nchildren and this responsibility continues until the card is recovered. You\ncannot disclaim responsibility by notifying us, but we will close the\naccount for new transactions if you so request in writing and return all\ncards. Your obligation to pay the account balance continues even though\nan agreement, divorce decree, or other court judgment to which we are\nnot a party may direct you or one of the other persons responsible to\npay the account. Any person using the card is jointly responsible with\nyou for charges he or she makes, but if that person signs the card, he or\nshe becomes a party to this Agreement and is also jointly responsible for\nall charges on the account, including yours.\n2. Lost Card Notification. If you believe the Card has been lost or stolen,\nyou will immediately call the Credit Union at (309) 793-6200 or (800) 7220333.\n\nmake on the account will restore your Credit Line by the amount of the\npayment which is applied to the principal. You may request an increase in\nyour Credit Line only by written application to us, which must be\napproved by our credit committee or loan officer. By giving you written\nnotice our credit committee may reduce your Credit Line from time to\ntime, or with good cause, revoke your card and terminate this\nAgreement. Good cause includes your failure to comply with this\nAgreement, or our adverse reevaluation of your credit-worthiness. You\nalso agree to advise us of any change in your financial condition which\nmay affect your credit worthiness.\nYou agree that you will update the credit information you have provided\nus, from time to time, on our request.\n5. Credit Information. You authorize us to investigate your credit\nstanding when opening, renewing or reviewing your account, and you\nauthorize us to disclose information regarding your account to credit\nbureaus and other creditors who inquire of us about your credit\nstanding.\n6. Monthly Payment. Every month you must pay at least the Minimum\nPayment within 25 days of your statement closing date. By separate\nagreement you may authorize us to charge the minimum payment\nautomatically to your share or share draft account with us. You may, of\ncourse, pay more frequently, pay more than the Minimum Payment, or\npay the Total New Balance in full, and you will reduce the FINANCE\nCHARGE by doing so. The Minimum Payment will be either (a) 2% of your\nTotal New Balance or $20, whichever is greater, or (b) your Total New\nBalance, if it is less than $20 plus (c) any portion of the Minimum\nPayment(s) shown on prior statement(s) which remain unpaid and the\nTotal of Account Penalties. In addition, at any time your Total New Balance\nexceeds your Credit Line, you must immediately pay the excess upon our\ndemand.\n7. Finance Charges.\n7.1 Repayment Terms and Finance Charge Information\n7.1.a. 9.9% APR Card-Fixed Rate Formula:\nThe Finance Charge is calculated using the following interest\nrate: 9.9% ANNUAL PERCENTAGE RATE .825%\nMonthly Periodic Rate, on the average daily balance. Default\nRate: increases to 14.9% ANNUAL PERCENTAGE RATE if minimum\npayment is not received within 60 days after it is due, make a\npayment that is returned or do either of the above on another\naccount that you have with us.\n\n3. Updated Liability Rule for Unauthorized Use. Effective 4/4/2000,\nConsumer liability for lost/stolen VISA cards is now $0 and the 48-hr time\nframe to report lost/stolen VISA cards has been eliminated. The Credit\nUnion has the right to make exceptions\nto the preceding conditions, if it can prove that you have been grossly\nnegligent. Such liability does not apply to electronic funds transactions\n\n7.1.b. 11.9% APR Cash Back Card-Fixed Rate Formula: The\nFinance Charge is calculated using the following interest rate:\n11.9% ANNUAL PERCENTAGE RATE, .991% Monthly Periodic Rate,\non the average daily balance. Default Rate: increases to 16.9%\nANNUAL PERCENTAGE RATE if minimum payment is not received\nwithin 60 days after it is due, make a payment that is returned or\ndo either of the above on another account that you have with us.\n\n4. Credit Line. If we approve your application, we will establish a selfreplenishing Line of Credit for you and notify you of its amount when\nwe issue the card. You agree not to let the account balance exceeds this\napproved Credit Line. Each payment you\n\n7.1.c. 7.9% APR Relationship Card:\nThe Finance Charge is calculated using the following\n\ninterest rate: 7.9% ANNUAL PERCENTAGE RATE, .658%\nMonthly Periodic Rate, on the average daily balance. This rate is\nsubject to meeting the requirements of establishing an account\nrelationship on your IH Mississippi Valley Credit Union member\naccount. You must have an active checking account with us and\none of the following four requirements included on your IH\nMississippi Valley Credit Union member account: mortgage loan,\nhome equity loan, automobile loan or have been a member with\nus for a minimum of five years. Your member account will be\nreviewed in advance of your card renewal. If the requirements are\nnot met, your rate will be calculated using the following nonqualifying interest rate: 9.9% ANNUAL PERCENTAGE RATE, .825%\nMonthly Periodic Rate, on the average daily balance.\nYou will be notified at least 45 days in advance of this rate change.\nDefault Rate: increases to 12.9% ANNUAL PERCENTAGE RATE if\nminimum payment is not received within 60 days after it is due,\nmake a payment that is returned or do either of the above on\nanother account that you have with us.\n7.2 Finance Charge Calculation Method. In order to avoid a finance\ncharge on purchases made since your last statement date, you must pay\nthe total new balance shown on your statement within 25 days of the\nstatement closing date. Otherwise, FINANCE CHARGE on purchases and\non new purchases from the date they are posted to your account. Cash\nadvances are always subject to FINANCE CHARGE from the date they are\nposted to your account FINANCE CHARGE (interest) is calculated at the\nANNUAL PERCENTAGE RATE, on the average daily principal balances of\npurchases and cash advances in the account. The principal balances of\npurchases and cash advances are determined each day during the\nstatement period, beginning with the principal portion of your\nPrevious Balances, reduced by payments you make and credits we apply,\nand increased by purchases and cash advances you make and debit\nadjustments we make during the statement period. The daily principal\nbalances are totaled, and divided by the number of days in the statement\nperiod, to produce separate average daily principal balances for\npurchases and cash advances to which the periodic rate is then applied.\nThe default rate applies to your account if we do not receive your minimum monthly payment within 60 days after it is due.\n7.3 Default Rate. If your APRs are increased for any of the above listed\nreasons, the Default APR may apply. If you successfully make at least six\ntimely minimum monthly payments after the Default APR goes into\neffect, the APR will be reduced to the regular rate pursuant to your\nAgreement with us.\n8. Other Charges. If you are 10 days late in making a minimum monthly\npayment, you will be charged a late fee. Your late fee will be one of the\nfollowing: a) $25.00 if your past due minimum payment\nis $25.00 or more, b) equal to your past due minimum payment if\nyour past due minimum payment is less than $25.00. Returned\nCheck: $25.00. Card Replacement: $10.00. Draft copies: $6.00 Cash\nAdvances are subject to a cash advance fee of either $5.00 or 2%\n\nof the amount of each transaction, whichever is greater. These fees will be\nadded to other amounts which are subject to a FINANCE CHARGE, as\ndescribed in the same manner as Cash Advances.\n\nthe United States. Display of a payment card logo by an online\nmerchant does not mean the Internet gambling transactions are lawful\nin all jurisdictions in which you may be located.\n\nThe following transactions will be treated as cash advances:\n\n11. Foreign Transactions. Purchases and cash advances made in foreign\ncountries and foreign currencies will be billed to you\nin U.S. dollars. The conversion rate to dollars will be at (1) the\nwholesale market rate or (2) the government mandated rate,\nwhichever is applicable, in effect on day prior to the processing date,\nincreased by one percent (100 basis points). The Credit Union has no\ncontrol over the conversion rate.\n\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\xc2\xb7\n\n\xc2\xb7\n\nUsing your Card to obtain cash from a participating Automated Teller\nMachine (\xe2\x80\x9cATM\xe2\x80\x9d);\nUsing your Card to obtain cash from a participating financial\ninstitution;\nUsing a check drawn on the Account;\nObtaining money orders, travelers checks, foreign currency,\nlottery tickets, casino chips, vouchers redeemable for cash or\nsimilar items;\nBalance Transfers\n\n9. Default. You will be in default if you fail to make any minimum\npayment or other required payment by the date that it is due. You will\nbe in default if you break any promise you make under this Agreement.\nYou will be in default if you die, file for bankruptcy or become insolvent,\nthat is, unable to pay your obligations when they become due. You will\nbe in default if you make any false or\nmisleading statements in any credit application or credit update. You will\nalso be in default when something happens which the Credit Union\nbelieves may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand\nimmediate payment of your full account balance without notice. If\nimmediate payment is demanded, you will continue to pay FINANCE\nCHARGE, at the periodic rate charged before default, until what you owe\nhas been paid and any shares that were given as security will be applied\ntowards what you owe. You agree to pay reasonable collection expenses,\nincluding card recovery fee, court costs and/or collection agency fees and\ncosts to the extent allowed\nby applicable laws or regulations. You understand that a contingency or\nhourly fee arrangement may be established under an agreement entered\ninto by the Credit Union with a collection agency to collect amounts due\nunder this agreement if you are in default and you hereby agree that any\nsuch fee arrangement is reasonable.\n10. Using The Card. You may use the card issued to you to make purchases\nin person, by mail, by telephone or over the Internet from merchants and\nothers who accept the VISA credit card. In addition, you may obtain cash\nadvances from the Credit Union, from other financial institutions\nparticipating in the VISA program and from automated teller machines\n(ATMs) that accept the VISA card (participate in the PLUS systems network).\nNot all ATMs provide such access. The reverse side of your credit card\nidentifies any other ATM networks that you may access. You will need to use\nyour Personal Identification Number (PIN) to obtain a cash advance from an\nATM. The Credit Union is not responsible for the refusal of any merchant or\nfinancial institution to honor the card. The daily limit for cash advances from\nall participating ATMs is up to your available credit limit, but no more than\n$998.00. Your VISA card may not be used for any illegal transaction. This\nmay include online gambling services\non the Internet. Internet gambling may be illegal in the jurisdiction in\nwhich you, the cardholder, are located, including locations within\n\nEffective April 2005, the exchange rate is a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate VISA itself\nreceives, or the government-mandated rate in effect for the applicable\ncentral processing date, in each instance, plus or minus any adjustment\ndetermined by the Credit Union.\n12. Copies of Documentation. You will be charged a fee for each copy\nof a draft or monthly statement that you request from us.\n13. Plan Merchant Disputes. We are not responsible for the refusal of\nany plan merchant or financial institution to honor your card. We are\nsubject to claims and defenses (other than tort claims) arising out of\ngoods or services you purchase with the card only if you have made a\ngood faith attempt, but have been unable to obtain satisfaction from\nthe plan merchant, and: (a) your purchase was made in response to an\nadvertisement we sent or participated in sending you; or (b) your\npurchase cost more than\n$50 and was made from a plan merchant in your state or within 100 miles\nof your home. For other disputes you must resolve directly with the plan\nmerchant.\n14. Security Interest. To secure your account, you grant us a purchase\nmoney security interest under the Uniform Commercial Code in any\ngoods you purchase through the account. If you default, we have the\nright to recover any of these goods which have not been paid for\nthrough our application of your payments in the manner described in\nMonthly Payment. You grant us a security interest in all individual and\njoint share accounts and/\nor deposit accounts you have with us now and in the future to secure\nwhat you owe under the credit card agreement. When you are in\ndefault, you authorize us to apply the balance in these accounts to\nany amounts due. Shares and deposits in an Individual Retirement\nAccount, and any other account that would lose special tax treatment\nunder state or federal law if given as security are not subject to the\nsecurity interest you have given in your shares and deposits.\n15. Effect of Agreement. This Agreement is the contract which applies\nto all transactions on your account even though the sales, cash\nadvance, credit or other slips you sign or receive may contain different\nterms. We may amend this Agreement from time\nto time by sending you the advance written notice required by law. Your\nuse of the card thereafter will indicate your agreement to the\namendments. To the extent the law permits, and we indicate in\n\n\x0c'