b'CREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\nP.O. Box 261420\n9305 West Alameda Avenue\nLakewood, Colorado 80226-9420\n\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENTS, MASTERCARD\xc2\xae SECURED AND MASTERCARD PLATINUM AGREEMENTS, AND ANY\nSPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD SECURED AND MASTERCARD PLATINUM\nCREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT\nCAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based\non the Prime Rate.\nMasterCard Platinum - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based\non the Prime Rate.\n\nAPR for Balance\nTransfers\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nOverdraft Line of Credit - __________%\n\nPaying Interest\n\nFor MasterCard, Your due date is at least 21 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance owed by the due date\neach month. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\nFor all other Feature Categories, You will be charged interest from the transaction date.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit the\nthe Consumer Financial\nwebsite of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore.\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\nFor MasterCard, 1.00% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nFor MasterCard, up to $9.00\nFor MasterCard, up to $15.00\nExcept MasterCard, $15.00\n\nHow We Will Calculate Your Balance: For MasterCard, We use a method called "average daily balance (including new purchases)."\nFor all other Feature Categories, We use a method called "daily balance." In all cases see Your Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016 Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF DENVER. The words "You" and "Your" mean each person accepting this\nAgreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any MasterCard Secured or MasterCard Platinum Credit\nCard issued to You by Us and any duplicates or renewals.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance\nrequest forms, vouchers, checks, charge slips, Check Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified by You, direct\ntransfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts\ncharged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges\nand other fees or charges described herein.\nCATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCard Platinum.\n\nFeature Category\n\nVariable Rate\nIndex\n\nMonthly\nPeriodic Rate\n\nMargin\n\nOverdraft Line of Credit\n\nDaily\nPeriodic Rate\n\nANNUAL\nPERCENTAGE RATE\n\n___________%\n\n___________%\n\nMasterCard Secured\n\n__________ __________\n\n___________%\n\n___________%\n\nMasterCard Platinum\n\n__________ __________\n\n___________%\n\n___________%\n\nADVANCES. Whenever You request a transaction, We may require You to prove\nYour identity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit\nUnion account or by other such means) and You authorize Us to do this, or We may\ndraw a draft or check made payable to You and mail it to You. When the amount\nadvanced appears on a subsequent statement, that will be conclusive evidence of\nYour advance request unless You notify Us that You disagree with any such item\nappearing on Your periodic statement according to the provision of this Agreement\ntitled "Your Billing Rights: Keep this Document for Future Use." You understand that\nwhether or not any specific secured advance request is approved may be\ndetermined by how much equity You have or will have in the shares and/or\ncertificates offered as security.\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We may\nset-off any mutual indebtedness.\nYou acknowledge that You own any certificates, shares and/or Collateral pledged\nas security and that there are no other liens against them other than Ours. You agree\nto perform all acts which are necessary to make Our security interest in the\ncertificates, shares and/or Collateral being pledged enforceable.\nFor advances under any Feature Category that is secured by certificates, all\ncertificates which are pledged as Collateral must be renewed until Your outstanding\nbalance is paid in full. Failure to renew any certificates securing any advance will\ncause Your entire outstanding balance to become immediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected in the\n"Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. If You have been issued a debit Card or\nCredit Card, You grant and consent to a lien on Your shares with Us (except\nfor IRA and Keogh accounts) and any dividends due or to become due to You\nfrom Us to the extent You owe on any unpaid Credit Card balance and/or\nOverdraft Line of Credit balance created through the use of Your debit Card.\nACCOUNT RESTRICTIONS. In order to receive and maintain a MasterCard\nSecured Feature Category, You agree to give Us a specific pledge of shares which\nwill equal Your Credit Limit. In the event that You default on Your MasterCard\nSecured Feature Category, We may apply these shares toward the repayment of\nany amount owed on such Feature Category. You may cancel Your MasterCard\nSecured Feature Category at any time by paying any amounts owed on that Feature\nCategory. To be certain that Your entire balance and all advances are paid, any\nshares pledged may not be available to You for 30 days after You have cancelled\nand any outstanding balance is paid in full.\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any\nsuch Account access device(s) will be mailed only to the primary Borrower at the\naddress that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment will\nnot delay Your next scheduled payment. All payments to Us must be in lawful money\nof the United States. We may apply each payment to whichever Feature Category\nWe wish. For all Feature Categories (except MasterCard), payments will be applied\nfirst to any Late Charges owing, then to the Finance Charge due, then to the\noutstanding principal balance. Except as required by law, We may apply MasterCard\npayments in an order of Our choosing.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your\nperiodic Finance Charges.\nOverdraft Line of Credit Minimum Monthly Payments will be an amount equal to\n5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance.\nMasterCard Secured and MasterCard Platinum Minimum Payments will be an amount\nequal to 2.00% of Your new unpaid MasterCard Secured or MasterCard Platinum\nbalance at the end of each billing cycle, subject to the lesser of $15.00 or Your balance,\nplus any portion of the Minimum Payments shown on prior statement(s) which remains\nunpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days\npast due, You will be charged $15.00.\nFINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be\nassessed on any unpaid principal balance for each Feature Category of Your\n\nPage 2 of 4\n\nOTBS 016 Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cAccount for the period such balance is outstanding. Balances change each time\nadvances are made, payments are made or credits given under any Feature\nCategory. The Finance Charge begins to accrue on the date of each advance and\nthere is no grace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For\nall Feature Categories (except MasterCard), the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle being\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the\nbalance each day after payments, credits, and unpaid Finance Charges to that\nbalance have been subtracted and any new advances, insurance premiums or other\ncharges have been added to Your unpaid balance. These daily Finance Charges are\nthen added together and the sum is the amount of the Finance Charge owed for the\nFeature Category being accounted for. The total Finance Charge You owe on Your\nAccount for each billing cycle is the sum of all the Finance Charges due for all\napplicable Feature Categories.\nMASTERCARD FINANCE CHARGES. In the case of any transactions under Your\nMasterCard Secured and MasterCard Platinum Feature Categories, the balances\nsubject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily\nbalance, We take the beginning balance of Your Account each day, add any new\npurchases, cash advances, balance transfers, insurance premiums, debit\nadjustments or other charges and subtract any payments, credits and unpaid\nFinance Charges. This gives Us the daily balance. Then, We add up all the daily\nbalances for the billing cycle and divide them by the number of days in the billing\ncycle. The Finance Charge for a billing cycle is computed by multiplying the average\ndaily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYour due date is at least 21 days after the close of each billing cycle. You can avoid\nFinance Charges on purchases by paying the entire balance owed by the due date\neach month. Otherwise, the new balance of purchases, and subsequent purchases\nfrom the date they are posted to Your Account, will be subject to a Finance Charge.\nCash advances and balance transfers are always subject to a Finance Charge from\nthe later of the date they are posted to Your Account or from the first day of the billing\ncycle in which such transaction is posted to Your Account.\n\nlast statement. We will mail You a statement each month in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted. EACH STATEMENT IS DEEMED\nTO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A\nBILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us\nwhile You owe money on Your Account; or (d) A judgment or tax lien should be filed\nagainst You or any attachment or garnishment should be issued against any of Your\nproperty or rights, specifically including anyone starting an action or proceeding to\nseize any of Your funds on deposit with Us; and/or (e) We should, in good faith,\nbelieve Your ability to repay Your indebtedness hereunder is or soon will be\nimpaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel Your\nrights under this Agreement, require the return of all access devices and declare the\nentire balance of every Feature Category of Your Account immediately due and\npayable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection\nand reasonable attorneys\' fees incurred in the course of collecting any amounts\nowed under this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or\nany other payments, even if they are marked "paid in full" without losing any of\nOur rights under this Agreement. If any provision of this or any related agreement\nis determined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\n\nFor MasterCard Secured, until ______________________ Your balance for\npurchases, balance transfers and cash advances will accrue finance charges at an\nintroductory Monthly Periodic Rate of __________% (corresponding to an ANNUAL\nPERCENTAGE RATE of __________%). Upon the expiration of the introductory\nrate period for purchases, balance transfers and cash advances the entire balance\nfor purchases, balance transfers and cash advances existing at that time and in the\nfuture will accrue finance charges at the non-introductory variable rate as described\nin this Agreement.\n\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\n\nFor MasterCard Platinum, until _____________________ Your balance for\npurchases, balance transfers and cash advances will accrue finance charges at an\nintroductory Monthly Periodic Rate of __________% (corresponding to an ANNUAL\nPERCENTAGE RATE of __________%). Upon the expiration of the introductory\nrate period for purchases, balance transfers and cash advances the entire balance\nfor purchases, balance transfers and cash advances existing at that time and in the\nfuture will accrue finance charges at the non-introductory variable rate as described\nin this Agreement.\n\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\n\nMASTERCARD VARIABLE RATE. MasterCard advances (other than purchase,\nbalance transfer and cash advance transactions made during the introductory rate\nperiod) are subject to a Variable Rate which is based on the highest Prime Rate as\npublished in the Money Rates Section of The Wall Street Journal in effect on the last\nday of May and November of each year ("Index") plus Our Margin. The Index plus\nthe Margin equals the Interest Rate. Changes in the Index will cause changes in the\nInterest Rate on the 1st day of the billing cycle in January and July of each year.\nIncreases or decreases in the Interest Rate will cause like increases or decreases\nin the Finance Charge and will affect the number of Your regularly scheduled\npayments. Your Interest Rate will never be greater than 20.99% and will apply to\nYour remaining principal balance.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in\nsuch increments as We may from time to time determine) to Your share draft account\nby an advance on Your Overdraft Line of Credit Feature Category, subject to this\nprovision, to clear any overdraft on Your share draft account. Whether or not such\ntransfers occur will be controlled by this Agreement. In any event, You hold Us\nharmless for any and all liability which might otherwise arise if the transfer does not\noccur. Overdraft protection automatically ceases if this Agreement is ever cancelled\nor terminated or Your Account is in default.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," and/or "Credit Line Account Advance\nRequest and Security Agreement" which is delivered together with this Agreement\nor at a later date becomes an integrated part of this Agreement And Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device; or\nby authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in default.\nYou will, in any case, remain liable to pay any unpaid balances according to the\nterms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Colorado except to the extent that such laws are inconsistent with controlling\nfederal law.\n\nPage 3 of 4\n\nOTBS 016 Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cSPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD\nSECURED AND MASTERCARD PLATINUM CREDIT CARDS\n\nWhat To Do If You Find A Mistake On Your Statement\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but not\nlimited to, advances made for the purpose of gambling and/or wagering where such\npractices are in violation of applicable state and/or federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN to access Your Account and all sums\nadvanced will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic\nFund Transfer Agreement may also affect Your rights.\n\nIf You think there is an error on Your statement, write to Us at Our address shown\nin this Agreement. In Your letter, give Us the following information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You want\nto stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (866) 820-5890 or by writing\nto Us at the address shown in this Agreement. In any case, Your liability will not\nexceed $50.00.\nREFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of\nmerchants, financial institutions and others to accept the Cards or electronic\nterminals to honor the Cards or complete a Card withdrawal, or for their retention of\nthe Cards.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the\nexchange rate between the transaction currency and the billing currency (U.S.\ndollars) will be: (a) a rate selected by MasterCard from the range of rates available\nin wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate MasterCard itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date. For all\ntransactions initiated in foreign countries, You will be charged 1.00% calculated\non the final settlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but sales,\ncash advances, credit or other slips cannot be returned with the statement.\nLATE CHARGE. If Your payment is more than 10 days past due, You will\nbe charged the lesser of: (a) the amount of the minimum payment due; or\n(b) $15.00.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) the lesser of $9.00 or the required minimum payment\namount for the returned payment for any check (or other negotiable instrument used\nfor payment) which is returned unpaid; (b) $5.00 for each replacement PIN You\nrequest; (c) $10.00 for each replacement Card You request; (d) $45.00 each time\nthat You request expedited delivery of Your Card; (e) $85.00 each time that You\nrequest expedited (24-hour) delivery of a replacement Card; (f) $5.00 each time You\nrequest a copy of a billing statement or sales draft; and (g) $25.00 per hour each\ntime You request that We research Your Account.\nLOST CARDS. To report lost or stolen Credit Cards, You will immediately call Us at\n(800) 449-7728 or write to Us at the address shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or more\nrefund it on Your written request or automatically deposit it to Your share account\nafter six months.\n\n1) Within 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\n\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\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to\nUs within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill.\nWe must tell You the name of anyone to whom We reported You as delinquent, and\nWe must let those organizations know when the matter has been settled between\nUs. If We do not follow all of the rules above, You do not have to pay the first $50.00\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 Your\nCredit 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\npurchase. To 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\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You\nthe goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point, if\nWe think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016 Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cPRICING INFORMATION ADDENDUM CREDIT\nLINE ACCOUNT AGREEMENT AND DISCLOSURE\nP.O. Box 261420\n9305 West Alameda Avenue\nLakewood, Colorado 80226-9420\n\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR MASTERCARD SECURED AND\nMASTERCARD PLATINUM CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY AND NOTIFY\nUS AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be\nPrime Rate.\n\n16.24%.\n\nThis APR will vary with the market based on the\n\nMasterCard Platinum - 5.99% introductory APR until __________________\nAfter that, Your APR will be 9.24%-16.24% based on Your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\nAPR for Balance\nTransfers\n\nMasterCard Secured - __________% introductory APR until ________________\nAfter that, Your APR will be 16.24%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - 5.99% introductory APR until ________________\nAfter that, Your APR will be 9.24%-16.24% based on Your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nMasterCard Secured - __________% introductory APR until ________________\nAfter that, Your APR will be 16.24%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - 5.99% introductory APR until\nAfter that, Your APR will be 9.24%-16.24% based on Your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge You any\ninterest on purchases if You pay Your entire balance owed by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\n1.00% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $9.00\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cMASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum Feature Categories, the balances subject\nto the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We\ntake the beginning balance of Your Account each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges\nand subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them\nby the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the\nMonthly Periodic Rate.\nYour due date is at least 21 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the entire balance owed by the due date each\nmonth. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in\nwhich such transaction is posted to Your Account.\nFor MasterCard Secured, Your balance for purchases, balance transfers and cash advances will accrue finance charges at an introductory Monthly Periodic Rate of\n___________% (corresponding to an ANNUAL PERCENTAGE RATE of _______%) until ___________________ . Upon the expiration of the introductory rate period, the\nentire balance for purchases, balance transfers and cash advances existing at that time and in the future will be subject to a variable Monthly Periodic Rate of 1.3533%\n(corresponding ANNUAL PERCENTAGE RATE 16.24%).\nFor MasterCard Platinum, Your balance for purchases, balance transfers and cash advances will accrue finance charges at an introductory Monthly Periodic Rate of 0.4992%\n(corresponding to an ANNUAL PERCENTAGE RATE of 5.99%) until __________________. Upon the expiration of the introductory rate period, the entire balance for\npurchases, balance transfers and cash advances existing at that time and in the future will be subject to a variable Monthly Periodic Rate of 0.7700% - 1.3533% (corresponding\nANNUAL PERCENTAGE RATE 9.24% - 16.24%), depending on Your creditworthiness.\nMASTERCARD VARIABLE RATE. MasterCard advances (other than purchase, balance transfer and cash advance transactions made during the introductory rate period)\nare subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of May\nand November of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on\nthe 1st day of the billing cycle in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and\nwill affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to Your remaining principal balance.\nFor MasterCard Secured, Your Margin will be 10.99%.\nFor MasterCard Platinum, Your Margin will be determined by Your creditworthiness and will be 3.99% - 10.99%.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A Promo_2 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM VISA/PLATINUM REWARDS\nVISA/STUDENT VISA\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 CASE 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 cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. 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\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02100157-MXC30-P-1-061917 (MXC302-E)\n\n\x0crequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe 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 and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate 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.\nPage 2 of 6\n02100157-MXC30-P-1-061917 (MXC302-E)\n\n\x0cA 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.\n8. 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. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges.\n10. 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.\n11. 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 4316 S.\nPennsylvania Ave., Lansing, MI, 48910 or call Us at (888) 393-7716, Monday through Friday 8:00 AM to 6:00 PM CST or\n(800) 472-3272, 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.\n12. 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.\n13. 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\nnotice 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.\n14. 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\nPage 3 of 6\n02100157-MXC30-P-1-061917 (MXC302-E)\n\n\x0cUnion 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.\n15. 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.\n16. 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.\n17. 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.\n18. 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.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMichigan.\n20. 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.\n21. 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.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\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\n02100157-MXC30-P-1-061917 (MXC302-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\n02100157-MXC30-P-1-061917 (MXC302-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\n02100157-MXC30-P-1-061917 (MXC302-E)\n\n\x0c'


b'VISA STUDENT SILVER CREDIT CARD AGREEMENT AND DISCLOSURE\n1. INTRODUCTION. This Agreement covers your VISA Student Silver Credit Card Line of Credit (\xe2\x80\x9cAccount\xe2\x80\x9d) issued as part of the loan plan under your Loan Contract\nAgreement with the Rogue Credit Union (\xe2\x80\x9cLender\xe2\x80\x9d). In this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyours\xe2\x80\x9d, \xe2\x80\x9capplicant\xe2\x80\x9d, and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the\napplication for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words, \xe2\x80\x9cwe, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and\n\xe2\x80\x9cLender\xe2\x80\x9d mean the Rogue Credit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards as requested issued under this Account. If you sign an application\nfor this account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed\nit, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account.\n2. PURCHASES AND CASH ADVANCES. You must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods, services, or\ninsurance wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances from us. You may also use your\nCard to get a cash advance from participating financial institutions and designated automatic teller machines. You may not use the Card for any illegal or unlawful\ntransaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness.\n3. OVERDRAFT PROTECTION. If we approve overdraft protection, you may access your line of credit account by overdrawing your checking account. We will treat\nany overdraft item as a request for a loan advance on your line of credit. Overdraft transfers will be made in amounts sufficient to cover the overdrawn item. You\nunderstand that any owner on your checking account may obligate you to repay overdraft advances by overdrawing the checking account.\n4. VISA CHECKS. If we approve, you may obtain advances under your account by writing preprinted loan checks that we supply to you. Your use of loan checks\nwill be treated as cash advances. We may not honor your loan check if your check is postdated, payment of the check will exceed your credit limit, a check is\nsigned by a person without authorized access, the amount of the check is less than the minimum required amount, your account has been terminated or\nsuspended, or any checks have been reported lost or stolen. You may stop payment on a loan check if you provide us with the exact information describing the\ncheck. If you give us incorrect information, we will not be responsible for failing to stop payment. You understand there may be a charge for loan check printing\nand charges for stop payment requests, returned items, check copies, and other fees or costs we incur in handling your loan checks. Our liability for a wrongful\ndishonor is limited to your actual losses; however, a dishonor for the reasons stated above is not a wrongful dishonor.\n5. YOU PROMISE TO PAY. You promise to pay us all such amounts, plus any Finance Charges, which arise from use of the Card or Account by you or any other\nperson, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent authority for such use, and\nyou received no benefit from the use. You promise to pay us either by direct payment or by automatic transfers from shares or payroll deduction.\n6. CREDIT LINE. If your application is approved by us, this agreement will constitute a revolving line of credit for an amount which will be the credit line under your\nAccount. We will advise you of the amount of your credit line. That amount will be the maximum amount you may have outstanding at any time. You agree not to\nattempt to obtain more credit than the amount of your credit line. However, if you temporarily exceed your credit line, you agree to repay the excess immediately,\neven if we have not yet billed you.\nObtaining such credit does not increase your credit line and if you exceed your Credit Limit repeatedly, we may suspend your credit privilege under this Agreement.\nWe retain the right to increase or decrease your credit line at any time for any reason. Any increase of reduction on the limit of your credit line\nwill be shown\non your monthly statement or by separate notice together with any changes in the applicable minimum monthly payments. Your eligibility for this credit line is\ndetermined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by notifying us\nin writing and returning all Cards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement\nand your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due under this Agreement and returned all Cards.\n7. Minimum Monthly Payment. We will mail you a statement every month if your account has a balance. You agree that you will pay each month not less than the\nminimum monthly payment by the payment due date. The minimum monthly payment will be 2% of your outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25.00, whichever\nis greater. If your outstanding balance is $25.00 or less, you agree to pay the balance in full. You may pay in full for all your purchases and cash advances each\nmonth, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees do not constitute a\nminimum payment. The minimum monthly payment may be allocated at the Credit Union\xe2\x80\x99s discretion to pay off lower rate balances, such as promotional offers,\nbefore higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate\nbalances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment,Finance Charges\nwill continue to accrue in accordance with this Agreement. Payments received at: Rogue Credit Union, PO Box 4550, Medford, OR 97501 on or before 5:00 PM\nPacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a\nweekend will be posted to your Account as of the next business day. Payment crediting to your Account may be delayed up to five days if your payment is received by\nmail at any other address or not accompanied by the remittance portion of your Account statement.\n8. SECURITY INTEREST. To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase\nthrough your Account. If you default, we will have the right to recover any of these goods which have not been paid through application of your payments in the\nmanner described in Section 5. In addition, you agree that all collateral you give (or have given) the Credit Union to secure other loan obligations (except real\nestate or a dwelling) in the past and in the future, also secures your obligations under this Agreement. You also grant us a security interest in all your shares,\ndeposits, and accounts (except for Individual Retirement Accounts and Keogh Plans) at the Credit Union.\n9. MONTHLY STATEMENTS. Each month we will send you a statement showing purchases, cash advances, payments, and credits made to your Account during\nthe billing cycle, as well as your \xe2\x80\x9cNew Balance\xe2\x80\x9d, any Finance Charge and any late charges. Your statement also will identify the minimum monthly payment you\nmust make for that billing period and the date it is due. You agree to retain for statement verification copies of transaction slips resulting from each purchase,\neach advance, and other transactions on your Account. Unless you notify us of a billing error in accordance with the section entitled \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d, you\naccept your monthly statement as an accurate statement of your Account with us.\n10. CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED. The total outstanding balance of purchases and cash advances in the Account\non the closing date of the billing cycle, including any Finance Charge will be shown on the Periodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance\xe2\x80\x9d.\na. Cash Advances. A Finance Charge will be imposed on cash advances from the date made or from the first day of billing cycle in which the cash advance is\nposted to your account, whichever is later, and will continue to accrue until the date of payment.\nb.\nPurchases. A Finance Charge will be imposed on the portion of purchases included in the New Balance that remains unpaid within 25 days of the closing\ndate of your statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid a Finance Charge on purchases for a billing cycle. However if you do not pay any of the New Balance\nfor purchases within the grace period, your Finance Charge will accrue on any unpaid purchase transactions from the date of purchase.\n11. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE MAY BE COMPUTED. The Finance Charge for a billing cycle is computed\nby applying the monthly periodic Rate to the average daily balance of cash advances, purchases and balance transfers. The \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d is determined\nby dividing the sum of the daily balances during each billing cycle by the number of days in the cycle. Each daily balance of cash advances and credit purchases\nis determined by adding to the outstanding balance of cash advances and credit purchases at the beginning of the billing cycle any new cash advances and credit\npurchases posted to your account and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.\n\n1\n\nERMC-101\nRev. 8/1/21\n\n\x0cVISA Student Silver Credit Card Account Agreement and Disclosures\n\nRogue Credit Union\n\n12. METHOD OF DETERMINING THE AMOUNT OF FINANCE CHARGE. Any Finance Charge shown on your monthly statement is determined as follows: We figure\nthe Finance Charge on your Account by applying the Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your Account.\n13. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Periodic Rate and corresponding Annual Percentage Rate that is used to\ncompute the Finance Charge is variable. The Annual Percentage Rate is based on an index which is the highest Wall Street Prime Rate as of the last day of the\nmonth as published in The Wall Street Journal (Western Edition) from time to time. To determine the Annual Percentage Rate, we add a margin to the index. The\namount of the margin depends on the type of account, your credit profile, and other factors we deem appropriate. The margin applicable to your account will be\nprovided to you at the time of opening your card. The Annual Percentage Rate is divided by 12 to obtain the periodic rate. The rate can change monthly effective the\nfirst day of the billing cycle. Any increase or decrease in the Annual Percentage Rate will affect the number of monthly payments you may have to make. The initial\nperiodic rate and Annual Percentage Rate will be provided to you with your Card.\n14. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.\na. Returned Check Charge. A $25.00 charge will be made when a check submitted by you for payment on an account is returned to us, regardless of the reason.\nb. Research and Copying. If you ask us to examine your account or provide copies of documents, except in resolution of a billing error, we may charge you\n$5.00 for each copy.\nc.\nLate Fee. If any payment is past due for a period of 10 days, a late fee will be added to your account. The late fee will equal $25.00.\nd. Replacement Card Fee. A $5.00 charge per card may be imposed for each additional or replacement card you request.\ne. Additional PIN Fee. A $2.00 charge per personal identification number (PIN) may be imposed for each additional PIN you request.\nf.\nAttorney\xe2\x80\x99s Fee. We may impose the following fees and charges on your Account. If you default on any part of this Agreement, you agree to pay us all costs to\ncollect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy\nproceedings, appeals and any post-judgment collection services, if applicable.\n15. CONDITIONS OF CARD USE. The use of your Card and account are subject to the following conditions:\na. Ownership of Cards. Any Card or other credit instrument or device which we supply you is our property and must be returned to us or to any person whom we\nauthorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any\ntime in our sole discretion without demand or notice. You cannot transfer your Card or Account to another person.\nb.\nHonoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit\ninstrument or device we supply you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nc.\nCurrency Conversions/Foreign Transaction Fee. Purchase and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency\nconversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale\ncurrency markets for the applicable central processing date which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for\nthe applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of up to 1% of the transaction amount for any card transaction\nmade in a foreign country.\nd.\nNotices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us promptly if you change your mailing\naddress. All payments should be mailed to us at the remittance address shown on your monthly statements. Payments received at that address will be credited\nto your account as of the date received.\ne.\nPersonal Identification Number. We will issue you a Personal Identification Number (PIN) for use with your Card at VISA NET automatic teller machines\n(ATM\xe2\x80\x99s). These numbers are issued to you for your security purposes. These numbers are confidential and should not be disclosed to third parties. You are\nresponsible for safekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Accounts. To keep\nyour Account secure, please do not write your PIN on your Card or keep it in the same place as your Card.\nf.\nFor Student Silver Credit Card ONLY - Cash Rewards. If you have a VISA Student Silver Account, you may earn a cash reward equal to 1.00% of net purchases\n(purchases less returns and other credits) made during a billing cycle. Cash advances, including convenience checks and balance transfers, and any other amounts\nother than purchases do not qualify for the cash reward. The maximum you can earn on your Account is $500 per calendar year. Your Account must remain open\nand in good standing in order to receive the cash reward.\nIf your Account is closed before a cash reward is paid, you will forfeit that reward. If your Account is past due, over the limit, is otherwise in default, is fraud\nrestricted, is part of a consumer credit counseling arrangement or is subject to discharge in a pending bankruptcy, you will forfeit all cash rewards accrued and\nwill not be eligible for further rewards until the disqualifying condition is remedied. The terms and conditions of the reward program may be changed or cancelled\nat any time and for any reason without notice.\n16. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any minimum monthly payment is not made when due; (b) You become\ninsolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other agreement with us; (d) If we reasonably deem ourselves insecure or your\ncredit line; or (e) You make any false or misleading statements on a credit application to the Credit Union. We will notify you in writing of any such action as soon\nas practical if it occurs. Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any attorney\nfees and costs incurred by us. We can delay enforcing any right under this Agreement without losing that right or any other right.\n17. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws of the State of Oregon.\n18. LOSS OR THEFT OF CREDIT CARD. You agree to notify us immediately, orally or in writing, at Rogue Credit Union, PO Box 4550, Medford, OR 97501, or\ntelephone (541) 858-7328 (after hours you may call 1 (800) 682-6075 of the loss, theft, or unauthorized use of your Credit Card. If you notify us of your lost or\nstolen Credit Card you may not be liable for any losses. This liability exclusion will apply provided you were not grossly negligent or fraudulent in handling your\ncredit card; otherwise your liability for unauthorized VISA Credit Card transactions may be up to $50.00.\n19. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g. credit bureaus, merchants, and other financial\ninstitutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current financial statement and/or\na new credit application upon request. We may investigate your credit directly or through a credit reporting agency.\n20. ACKNOWLEDGMENT AND AMENDMENTS. You understand and agree to the terms and conditions in this Agreement, and the Fair Credit Billing Notice made\na part hereof. You also understand and agree that you may be subject to other agreements with us regarding transfer instruments or access devices which may\naccess your credit line. We reserve the right to amend the terms of this Agreement at any time as permitted by and subject to any limitations and notice\nrequirements of applicable law.\n\n2\n\nERMC-101\nRev. 8/1/21\n\n\x0cVISA Student Silver Credit Card Account Agreement and Disclosures\n\nRogue Credit Union\n\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE 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: Rogue Credit Union, PO Box 4550, Medford, OR 97501.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong 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 you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter: When we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 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 correct. While we investigate whether or\nnot there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has been settled between us. If 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.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than\n$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we investigate, the same rules\napply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n\n3\n\nERMC-101\nRev. 8/1/21\n\n\x0cRogue Credit Union\nVISA Student Silver Credit Card Account Disclosures\nVISA Card \xe2\x80\x93 Rates and Fees\nINTEREST RATES AND FINANCE CHARGES\nAnnual Percentage Rate (APR) for Purchases,\nCash Advances & Balance Transfers\n\n9.50%\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is 25 days after the close of each billing cycle. We will\nnot charge any interest on the portion of the purchases balance that\nyou pay by the due date each month.\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at: www.consumerfinance.gov/learnmore\n\nThis APR will vary with the market based on the Prime Rate.\n\nFor Credit Card Tips from the Consumer Financial Protection Bureau\n\nFEES\nAnnual Fee\n\nNONE\n\nTransaction Fees\n-- Cash Advance Fee\nPenalty Fees\n-- Late Payment Fee\n-- Returned Check Charge\n-- Over--Limit Charge Fee\nOther Fees\n-- Foreign Transaction Fee\n\nNONE\n$25\n$25\nNONE\nUp to 1% of the US dollar amount of the foreign transaction.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nYour APR is based on the following:\nIndex:\n\nPrime Rate\n\nYour Daily Periodic Rate is:\n\n0.02603%\n\nMargin:\n\n6.25%\n\nWe reserve the right to amend the VISA Student Silver Credit Card Agreement as permitted by law.\nThe above rates and fees are current as of:\n\nAugust 1, 2021\n\n4\n\nERMC-101\nRev. 8/1/21\n\n\x0c'