b'P.O. Box 1365\nWaynesboro, VA 22980\n(540) 946-3200\n(800) 245-8085\n\nMastercard Share Secure\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\n. You can contact us toll free at (800) 245-8085 or PO Box 1365 Waynesboro, VA 22980 to\naccurate as of Nov 24, 2020\ninquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR)\nfor Purchases\n\n_8_.9_9 % to 15.99 % depending on your credit history.\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after we mail your billing statement. We will not charge\nyou interest on purchases if you pay your entire new purchase balance by the due date\neach month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\n\nNone\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction:\n\n1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nUp to $25.00 if your payment is late 10 days or more.\nNone\nUp to $25.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your\naccount agreement for more details.\nWe do not permit Cash Advances or Balance Transfer transaction on this credit card account.\n\n9009 LASER FPDF FI1001804 11-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cOTHER IMPORTANT DISCLOSURES:\nSuspension of electronic services and access to share or deposit accounts. Subject to applicable law, we may suspend\nsome or all electronic services and access to your checking or other account(s) if you become delinquent on any of your credit\ncard or deposit obligations to us or you cause a loss to us. We shall not be liable to you in any regard in connection with such\nsuspension of services.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS\nAGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS\nAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. IF YOU ARE IN DEFAULT,WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.\n\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under\nstate or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless\nthat other collateral is your principal residence or non-purchase money household goods.\n*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \'Prime\nRate\' in the \'Money Rates\' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal\nto the Prime Rate plus a margin of: 5.74-16.74 %. The interest rate can change quarterly on the first day of January, April,\nJuly, and October following a change in the Prime Rate. The Annual Percentage Rate will never be more than the maximum\nrate allowed by applicable law. Any increase will lengthen the time it takes to pay off the loan.\nDaily Periodic Rate:\nPurchases: 8.99-15.99\n\n%;\n\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nStatement Copy Fee:\nRush Card Fee:\n\n$1.00 per statement\n$35.00\n\nMinimum Payment Requirement: 3% of your total new balance or $10.00, whichever is greater.\nCredit Limit:$ 1000 MAX\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations ("MLA")), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1.\n\nNOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-245-8085 24 hours a day, 7 days a week.\n\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan ("Secured Account "). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\n9010 LASER FPDF Fl1001805 11-2020\n\npage 2 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cP.O.Box 1365 \xe2\x80\xa2 Waynesboro, VA22980\n(540) 946-3200 \xe2\x80\xa2 (800) 245-8085\nFAX: (540) 946-3212 \xe2\x80\xa2 mydccu.com\n\nCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS DUPONT COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchasemoney household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATMs that accept the Card, up to 25% of your credit\nlimit. You agree not to present your Card or obtain a cash advance for any\nextension of credit in excess of your available credit limit; however, if you do\nexceed your credit limit, you agree to make immediate payment sufficient to\nbring the balance below the credit limit. Certain purchases and cash advances\nrequire authorization prior to completion of the transaction. In some cases,\nyou may be asked to provide identification. If our system is not working, we\nmay not be able to authorize a transaction, even though you have sufficient\ncredit available. Also, for security reasons, we may block the use of your Card\nin certain countries or geographic areas. We will have no liability to you or\nothers if any of these events occur.\nPersonal Identification Number (PIN). We may issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-in\xc2\xad\nLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (844) 231-2221. You agree to follow up your call\nwith notice in writing to us at: P.O. Box 1365, Waynesboro, VA 22980. You\nalso agree to assist us in determining the facts, circumstances and other\npertinent information relating to any loss, theft or possible unauthorized use of\nyour Card and comply with such procedures as we may require in connection\nwith our investigation. You will have no liability for Mastercard transactions not\nauthorized by you, provided that you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming aware of\nsuch loss or theft, you promptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law. Payments greater than $2,500 may be\nsubject to a 3 business day hold.\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\n9011 LASER FPDF Fl1000496 Rev 2-2020\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS DUPONT COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic and other services and access to share or\ndeposit accounts; expulsion. Subject to applicable law, we may suspend\nsome or all services and access to your accounts or expel you in accordance\nwith the Suspension of Services Policy.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureaus and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments . Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. Returns, refunds, and\nadjustments are not applied to your payment due amount and do not advance\nyour payment due date. If your credits and payments exceed what you owe\nus, the amount will be applied against future purchases and cash advances. If\nthe statement balance shows a credit balance of $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We may require documentation of\nyour good faith efforts to resolve the dispute. Failure to provide documentation\nwhen requested limits our ability to resolve any disputes. We do not warrant\nany merchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Mastercard may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law and our policies. You may\nterminate this Agreement by written notice. Termination by either party shall\nnot affect your obligation to repay any balance on your account resulting from\nuse of the Card as well as Interest Charges and fees incurred. We may\nchange the terms of this Agreement , including the method of calculating the\nperiodic rate, at any time, by written notice, subject to applicable law. Use of\nthe Card constitutes agreement and acceptance of any change in terms,\nunless applicable law requires otherwise. Our failure to exercise any of our\nrights or to take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\n9011 LASER FPDF Fl1000496 Rev 2-2020\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations ("MLA")), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-245-8085 24 hours a day, 7 days a week.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan ("Secured Account "). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration ; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\n\nIf you think there is an error on your statemen,t write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\nThe charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible\nfor the 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\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER FPDF Fl1000496 Rev 2-2020\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'P.O. Box 1365 \xe2\x80\xa2 Waynesboro, VA 22980\n(540) 946-3200 \xe2\x80\xa2 (800) 245-8085\nFAX: (540) 946-3212 \xe2\x80\xa2 mydccu.com\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\n4/1/2021\naccurate as of _______________.\nYou can contact us toll free at (800) 245-8085 or at the address above if any changes\noccurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nMastercard World Rewards\nAnnual Percentage Rate (APR) for\nPurchases\n\n11.99-18.99%\n\nAPR for Cash Advances\n\n15.99-22.99%\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n15.99-22.99%\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Balance Transfers\n\ndepending on your credit history. This APR will vary with the market based on\nthe Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire new purchase\nbalance by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the date the cash advance or balance\ntransfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttps://consumerfinance.gov/data-research/credit-card-data\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your Account\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\n\nNone\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\n3 % of the amount of each transfer (minimum: $3\n3 % of the amount of each cash advance\n1 % of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nUp to $25\nUp to $25\nUp to $25\n\n, maximum: $ 150\n\n)\n\nif your payment is late 10 days or more.\nif you exceed your credit limit.\nif your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nPayments greater than $2,500 will be subject to a 3 business day hold.\nCash Advances may be completed up to 25% of the credit limit.\n\n9009 LASER FPDF FI1001246 1-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'P.O. Box 1365 \xe2\x80\xa2 Waynesboro, VA 22980\n(540) 946-3200 \xe2\x80\xa2 (800) 245-8085\nFAX: (540) 946-3212 \xe2\x80\xa2 mydccu.com\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\nApril 1, 2021\naccurate as of _______________.\nYou can contact us toll free at (800) 245-8085 or at the address above if any changes\noccurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nMastercard Platinum Rewards\nAnnual Percentage Rate (APR) for\nPurchases*\n\n0%\n\n12 months from account opening date. After that, your\nIntroductory APR for __________\nStandard APR will be\n\n7.99% - 14.99%\n\nAPR for Cash Advances\nAPR for Balance Transfers*\n\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n11.99% - 18.99%\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n0%\n12 months from account opening date. After that, your\nIntroductory APR for _________\nStandard APR will be\n11.99% - 18.99%\ndepending on your credit history. This APR will vary with the market based on the\nPrime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire new purchase\nbalance by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the date the cash advance or balance\ntransfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttps://consumerfinance.gov/data-research/credit-card-data\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your Account\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\n\nNone\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\n3 % of the amount of each transfer (minimum: $3\n3 % of the amount of each cash advance\n1 % of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nUp to $25\nUp to $25\nUp to $25\n\n, maximum: $ 150\n\n)\n\nif your payment is late 10 days or more.\nif you exceed your credit limit.\nif your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late\npayment.\n*Introductory Rate applies for the first 12 months as of account opening and will end after that period. Your APR will then\nincrease to the Standard APR disclosed above. Introductory Rate is available only for purchases and balance transfers if\nmade within the same 12 month Introductory period. Introductory Rate does not apply to balances transferred from other\nDuPont Community Credit Union credit cards or loans.\nPayments greater than $2,500 will be subject to a 3 business day hold.\nCash Advances may be completed up to 25% of the credit limit.\n9009 LASER FPDF FI1000494 Rev 9-2019\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cOTHER IMPORTANT DISCLOSURES:\nSuspension of electronic services and access to share or deposit accounts. Subject to applicable law and DCCU\'s\nSuspension of Services Policy, we may suspend some or all electronic services and access to your checking or other\naccount(s) if you become delinquent on any of your credit card or deposit obligations to us or you cause a loss to us. We shall\nnot be liable to you in any regard in connection with such suspension of services.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS\nAGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS\nAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under\nstate or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless\nthat other collateral is your principal residence or non-purchase money household goods.\n**Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \'Prime\nRate\' in the \'Money Rates\' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal\n4.74-15.74\nto the Prime Rate plus a margin of: __________%.\nThe interest rate can change quarterly on the first day of January, April, July,\nand October following a change in the Prime Rate. The Annual Percentage Rate will never be more than the maximum rate\nallowed by applicable law. Any increase will lengthen the time it takes to payoff the loan.\nDaily Periodic Rates:\n0\n7.99% - 14.99\nPurchases: Introductory Rate: ____________%;\nStandard Rate: ____________%;\n11.99 - 18.99\nCash Advances: ____________%;\n0\n11.99 - 18.99\nBalance Transfers: Introductory Rate: ____________%;\nStandard Rate: ____________%;\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nBalance Transfer Stop Payment Fee: Up to $18.00\nRush Card Fee:\n$35.00\nStatement Copy Fee:\n$1 per statement\nResearch Fee:\n$10.00 per hour\nMinimum Payment Requirement: 3% of your total new balance or $10.00, whichever is greater.\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent\n(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement\nand apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty\nmember of the military or a dependent:\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call 1-844-231-2221 24 hours a day, 7 days a week.\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to\nestablish a secured share or deposit account in connection with this credit card account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured\nAccount after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents\nwill not apply to the Secured Account or your other share or deposit accounts for this account.\nHowever, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.\nAny contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.\n3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card\naccount does not apply.\n\n9010 LASER FPDF FI1000495 Rev 9-2019\n\npage 2 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cP.O. Box 1365 \xe2\x80\xa2 Waynesboro, VA 22980\n(540) 946-3200 \xe2\x80\xa2 (800) 245-8085\nFAX: (540) 946-3212 \xe2\x80\xa2 mydccu.com\n\nCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS DUPONT COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATMs that accept the Card, up to 25% of your credit\nlimit. You agree not to present your Card or obtain a cash advance for any\nextension of credit in excess of your available credit limit; however, if you do\nexceed your credit limit, you agree to make immediate payment sufficient to\nbring the balance below the credit limit. Certain purchases and cash advances\nrequire authorization prior to completion of the transaction. In some cases,\nyou may be asked to provide identification. If our system is not working, we\nmay not be able to authorize a transaction, even though you have sufficient\ncredit available. Also, for security reasons, we may block the use of your Card\nin certain countries or geographic areas. We will have no liability to you or\nothers if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (844) 231-2221. You agree to follow up your call\nwith notice in writing to us at: P.O. Box 1365, Waynesboro, VA 22980. You\nalso agree to assist us in determining the facts, circumstances and other\npertinent information relating to any loss, theft or possible unauthorized use of\nyour Card and comply with such procedures as we may require in connection\nwith our investigation. You will have no liability for Mastercard transactions not\nauthorized by you, provided that you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming aware of\nsuch loss or theft, you promptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law. Payments greater than $2,500 may be\nsubject to a 3 business day hold.\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\n9011 LASER FPDF FI1000496 8-2018\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS DUPONT COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING\nYOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law and our Suspension of Services Policy,\nwe may suspend some or all electronic services and access to your checking\nor other account(s) if you become delinquent on any of your credit card or\ndeposit obligations to us or you cause a loss to us. We shall not be liable to\nyou in any regard in connection with such suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureaus and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. Returns, refunds, and\nadjustments are not applied to your payment due amount and do not advance\nyour payment due date. If your credits and payments exceed what you owe\nus, the amount will be applied against future purchases and cash advances. If\nthe statement balance shows a credit balance of $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We may require documentation of\nyour good faith efforts to resolve the dispute. Failure to provide documentation\nwhen requested limits our ability to resolve any disputes. We do not warrant\nany merchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Mastercard may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law and our policies. You may\nterminate this Agreement by written notice. Termination by either party shall\nnot affect your obligation to repay any balance on your account resulting from\nuse of the Card as well as Interest Charges and fees incurred. We may\nchange the terms of this Agreement, including the method of calculating the\nperiodic rate, at any time, by written notice, subject to applicable law. Use of\nthe Card constitutes agreement and acceptance of any change in terms,\nunless applicable law requires otherwise. Our failure to exercise any of our\nrights or to take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\npage 2 of 3\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent\n(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement\nand apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty\nmember of the military or a dependent:\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee or participation fee unless they are bona fide and\nreasonable under the MLA. To receive this notice verbally, please call 1-844-231-2221 24 hours a day, 7 days a week.\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to\nestablish a secured share or deposit account in connection with this credit card account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured\nAccount after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents\nwill not apply to the Secured Account or your other share or deposit accounts for this account.\nHowever, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.\nAny contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.\n3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card\naccount does not apply.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0c'