b'Details of Rate, Fee and Other Cost Information\nAccount terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may\nchange in accordance with the Cardholder Agreement and applicable law based on information in your credit report, market\nconditions, business strategies, or for any reason. Please review all of these materials so that you are fully informed about the\nterms of this credit card offer.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR for Balance\nTransfers\n\n9.74% - 17.74%a\n\nWhen you open your account, based on creditworthiness.\nAfter that, these APRs will vary with the market based on\nthe Prime Rate.\n\n8.99% Introductory APR for the life of the balance on Balance Transfers completed\na\nwithin 90 days of account opening. After that, 9.74% - 17.74% based on\ncreditworthiness. These APRs will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPenalty APR and When It\nApplies\n\nPaying Interest\nMinimum Interest Charge\n\n14.74% - 21.99%b\n21.99%\n\nWhen you open your account, based on creditworthiness.\nAfter that, these APRs will vary with the market based on\nthe Prime Rate.\n\nThis APR may be applied to your account if you: Are late paying your\naccount at least 60 Days.\nHow long will the Penalty APR apply?: If your APRs are increased for any\nreason, the Penalty APR may apply indefinitely.\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases If you pay your entire balance by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the transaction date.\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit\nthe Consumer Financial\nthe website of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee:\n\nNone\n\nTransaction Fees:\nBalance Transfer Fee\nCash Advance Fee\nForeign Transaction Fee\n\nEither $10.00 or 3% of the amount of each transfer, whichever is greater\nEither $10.00 or 3% of the amount of each cash advance, whichever is greater\n1% of each transaction in U.S. dollars\n\nPenalty Fees:\nLate Payment Fee\nOver Limit Fee\nReturned Payment Fee\nStop Payment Fee\nOther Fees:\nTelephone Payment Fee\n\nUp to $35.00\nNone\nUp to $25.00\nUp to $25.00\n$10.00 when payment is made using a Customer Service Representative\n\nHow We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new\npurchases)." Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 03/16/2020.\na We add 6.49% - 14.49% (depending on creditworthiness) to the Prime Rate to determine the Purchase and Balance\nTransfer APR.\nb We add 11.49% - 19.49% (depending on creditworthiness) to the Prime Rate to determine the Cash Advance APR.\nThe maximum APR will be 21.99%.\nLoss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you are late paying your\naccount at least 60 days.\n19567.14\n\n\x0cIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial\ninstitutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you:\nwhen you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify\nyou. We may ask to see your driver\'s license or other identifying documents or ask you questions to further confirm your identity.\nCURRENT ACCOUNT INFORMATION\nCurrent Account information is available by mailing us at Northwest Bank, Credit Card Programs, PO Box 788, Warren,\nPennsylvania 16365 or call toll free: (877) 300-5768.\nREWARDS DISCLOSURE\nYour Northwest Rewards Visa is automatically enrolled in the ScoreCard\xc2\xae Rewards Bonus Point Program. The Program\nRules are as follows:\n1. Earn one (1) point for every $1 dollar of a qualifying credit card purchase. A qualifying purchase shall mean: (i) a\ntransaction that is charged to an eligible credit card account, and (ii) a transaction that appears on your statement\nduring the rewards program period. Points are deducted for returns. No Points are earned for finance charges, fees,\nbalance transfers, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion\ncharges or insurance charges posted to your account.\n2. Points can be used to order only rewards available at www.scorecardrewards.com. Point requirements assigned to any\nreward are subject to change from time to time without notice, and rewards may be substituted at any time.\n3. Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer, promotion or\ndiscount; combined with cash to obtain any rewards; or, earned from or transferred to any other credit and/ or debit card,\naccount or rewards program, unless otherwise specified.\n4. Your account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not\navailable for your use as a payment method) at the time your order is received for processing. Northwest reserves the\nright to suspend your participation in the Rewards Bonus Point Program until the account is in good standing.\n5. Reward Points will be good for a minimum of 4 years (48 months). Reward Points will accumulate for 5 years (60\nmonths) on your account before the oldest 12 month\'s Reward Points expire. At 48 months, you will be notified of the\ntotal number of Reward Points that were accumulated in the first 12 months, and you will have the opportunity to\nredeem these points before they expire at month 60.\n6. The Rewards Program may be modified, suspended or cancelled, and the redemption value of already accumulated\npoints may be changed, at any time without notice and without restriction or penalty. Changes to the Rewards\nProgram may include, but are not limited to, modifications that affect point accrual and/or expire points based on the\nterm, age and expiration date of the selected option(s). Reward orders must be received on or before the Reward\nProgram end and/or point expiration date. Points may be forfeited due to rules violations. This Rewards Program is void\nwhere prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.\n\n19567.14\n\n\x0cINITIAL DISCLOSURES\n1. Finance Charge Calculation Method\nCash Advances: The Finance Charge on Cash Advances is calculated in accordance with Method A - Average Daily\nBalance (including current transactions) which is described as follows: The Finance Charge on cash advances begins from the\ndate you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later.\nThere is no grace period.\nThe Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of\nyour account. To get the average daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives\nus the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or\nPromotional Balances.\nPurchases: The Finance Charge on Credit Purchases is calculated in accordance with Method G - Average Daily Balance\n(including current transactions) which is described as follows: To avoid incurring an additional Finance Charge on Purchases\nreflected on your monthly statement and, on any new Purchases appearing on your next monthly statement, you must pay the\nNew Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New Balance of\nPurchases extends to the Payment Due Date.\nThe Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of\nyour account. To get the average daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives\nus the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or\nPromotional Balances.\n2a. Periodic Rate:\nPurchase and Balance Transfer Annual Percentage Rate: 9.74% - 17.74%* (depending on creditworthiness) as of\n03/16/2020.\nCash Advance Annual Percentage Rate: 14.74% - 21.99%* (depending on creditworthiness) as of 03/16/2020.\nIntroductory Annual Percentage Rate: 8.99% for the life of the balance on Balance Transfers completed within 90 days\nof account opening.\n*Variable Interest Rate: The interest rate on a variable rate Cardholder account is determined by adding a margin to the current\nPrime Rate. The margin, depending on creditworthiness, is 6.49% - 14.49% for Purchases and Balance Transfers and 11.49% 19.49% for Cash Advances. The maximum Annual Percentage Rate would be 21.99%. The APR will be updated on the\nNorthwest Bank Rewards Visa Account on the first day of your Billing Cycle that ends in the calendar month following the Index\nDate. The rate is divided by 12, the number of months in a year, to determine the periodic rate.\nPurchases and Balance Transfers: The Periodic Rate used to compute the FINANCE CHARGE for Purchases and Balance\nTransfers is 0.81167% to 1.47834% per month. The corresponding Annual Percentage Rate is 9.74% to 17.74%. Cash\nAdvances: The Periodic Rate used to compute the FINANCE CHARGE for Cash Advances is 1.22834% to 1.83250% per\nmonth. The corresponding Annual Percentage Rate is 14.74% to 21.99%.Introductory Balance Transfers: The Periodic Rate\nused to compute the FINANCE CHARGE for Introductory Balance Transfers is 0.74917% per month. The corresponding Annual\nPercentage Rate is 8.99%. To qualify for this Introductory Offer, Balance Transfer(s) must be completed within 90 days of\naccount opening. This Introductory Offer will apply for the life of the balance.\n2b. Non-Standard Default Interest Rate\nAn account is considered in default should you fail to comply with any of the terms of this Agreement. In the event of\nbankruptcy, insolvency, incompetency, fraud or any other default event listed in the Agreement, we may close your account and\nif your payment becomes 60 days late in part or in full, we may raise your interest rate on all balances, including those that\nqualified for the Introductory Offer, to the legal maximum allowed. The maximum Annual Percentage Rate would be\n21.99%. Your former interest rate will be reinstated if your total minimum monthly payment is paid on time for six (6) consecutive\nmonths.\n19567.14\n\n\x0c3. Minimum Periodic Payment\nYou may pay your total outstanding balance at any time. Each billing cycle, you must pay at least the Total Minimum Payment\nDue shown on your monthly statement by its Payment Due Date. The Total Minimum Payment Due will always equal at least\n$25.00. Subject to this limitation, your Total Minimum Payment Due is calculated as the sum of the following, rounded up to the\nnearest dollar: (1) 2.0% of the New Balance (2) any Over Limit Amount (3) any Past Due Amount. The Total Minimum Payment\nDue will not be greater than your New Balance Total. If a payment is credited to your account but is returned unpaid in a later\nbilling cycle, we will recalculate the Total Minimum Payment Due for the billing cycle in which the payment was originally credited.\n4. Other Charges:\nReturned Payment Fee: If any check or other instrument given for payment on the Card account is dishonored for any\nreason, a processing fee of up to $25.00 may be imposed.\nStop Payment Fee: A fee of up to $25.00 will be charged to your account for any request to stop payment on a check issued\nagainst your account.\nCopy Charge: A request for a copy of any of your account records will result in a fee of $3.00 per copy being assessed\nagainst your account unless it is a disputed item.\nResearch Fee: A fee of $25.00 per hour will be assessed for time spent in researching something requested on your\naccount. The minimum Research Fee assessed will be $25.00.\nTelephone Transfer Fee: Telephone payments made with a customer service representative will incur a fee of $10.00.\nExpress Mail Fee: Requests for a rush delivery of cards will incur a fee of $35.00 for express delivery service. Cards sent\nexpress mail will be received within one to two business days. This fee will be added to your account balance.\nInternational Service (ISA) Fee: An ISA fee of 1% of the transaction amount may be assessed on all international\ntransactions. A third party processor retains this 1% as compensation for performing the currency conversion service. The\ncurrency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting\ndate.\n5. Security Interests\nIf you have executed a written agreement granting a security interest in a deposit account (savings or certificate of deposit) or\nother funds held by issuer to secure your obligations under this credit card plan, such accounts and/or funds are additional\nsecurity for your obligations to issuer arising from the use of your Card.\n6. Billing Errors/Cardholder\'s Rights\nSee separate statement enclosed entitled "Your Billing Rights" for important information regarding your rights to dispute\nbilling errors.\n7. Military Lending Act\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nthe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credit card account).\nIf you wish to be provided an oral disclosure, this may be obtained by contacting us, toll free, at: (888)784-6313.\n\nRewards Initial Disclosures\n19567.14\n\nLast Updated 03/16/2020\n\n\x0cNorthwest Bank Cardholder Agreement\nSECTION1: INTRODUCTORY CONTRACT PROVISIONS\nYour Contract: This document, and any future changes to it, is your contract with us and will govern your\n\xe2\x80\x9cAccount.\xe2\x80\x9d We will refer to this document as your "Cardholder Agreement" or \xe2\x80\x9cAgreement." It consists of\nthis document, "Initial Disclosures" (which will be received with your card carrier) and other documents\nthat we may refer to as part of this Agreement. These terms also include any changes we may make to\nthis document from time to time. By activating and/or using your credit card account, you agree to all\nterms and conditions contained herein, as well as changes that may be made from time to time.\nParties to Agreement: "We," "us," and "our" refer to Northwest Bank. "You," "your," and "yours" refer to\nany person (a) whose name appears on a Card or Statement or who uses this Account, or (b) who\notherwise agrees to be liable on the Account.\nChanges in Terms: We reserve the right to amend this Agreement at any time, by adding, deleting, or\nchanging provisions of this Agreement. All amendments will comply with the applicable notice\nrequirements of federal and state law that are in effect at that time.\nThe reasons we may amend this Agreement include the following:\n1. Changes in regulation or legislation, or a change in the interpretation of a regulation or\nlegislation.\n2. Changes related to your individual credit history, such as: your risk profile, your payment or\ntransaction patterns, balance patterns, the utilization levels of this and other accounts, credit\nbureau information including the age, history and type of other accounts, and the measure of\nrisk associated with each.\n3. Changes to overall economic and market trends, product design, and business needs.\nIf an amendment gives you the opportunity to reject the change, and if you reject the change in the\nmanner provided in such amendment, we may terminate your right to receive credit and may ask you to\nreturn all credit devices as a condition of your rejection. We may replace your card with another card at\nany time.\nDefinitions: In addition to other terms defined throughout the Agreement, the following terms have the\nmeaning indicated in this Section:\nAPR\nBilling Cycle\nCard\nCheck\nUnauthorized Charge\n\nStatement\n\nCC Cardholder Agreement\n\nmeans Annual Percentage Rate.\nmeans a period of about one (1) month ending on a billing date.\nmeans a Northwest Bank credit card issued on your Account.\nmeans a check drawn on your Account.\nmeans a transaction made on your Account by a person, other than any\none of you, who does not have actual, implied or apparent authority to\nmake such transaction, and from which none of you receive any benefit.\nmeans an Account billing statement.\nLast Updated 03/16/2020\n\n\x0cSECTION 2: USE OF YOUR ACCOUNT\nConsumer Account: In addition to any other contractual or legal restrictions, the use of your Account is a\nConsumer Account and is not permitted to be used for business purposes.\nLegal Transactions and Other Account Limitations: You may not use this account to make a payment on\nthis or any other credit account with us or our affiliates. You may not use or permit your account to be\nused to make any illegal transaction. You will only use your account for transactions that are legal where\nyou conduct them. For example, Internet gambling transactions may be illegal in your state. Display of a\npayment card logo by an online merchant does not mean that an Internet transaction is legal where you\nconduct it. We may charge your account for such transactions. We will not be liable if you engage in an\nillegal transaction. We may deny authorization of any transactions identified as Internet gambling. You\nmay not use your account to conduct transactions in any country or territory, or with any individual or\nentity that is subject to economic sanctions administered and enforced by the U.S. Department of the\nTreasury\'s Office of Foreign Assets Control (OFAC). Use of your account in those countries will be blocked.\nCredit Line and Cash Limit: Your Account has a credit line "Line" shown on your card carrier or Statement.\nYou will not allow your Account balance to exceed the amount of this Line. We may change your Line or\nCash Limit at any time. We may, but are not required to, approve transactions that exceed your available\nCredit Limit. The entire credit line is not available for Cash Advances. Cash Limits are subject to change at\nNorthwest\'s discretion.\nAuthorizations: Some transactions require our prior authorization. We may limit the number of\nauthorizations we give in a day. We may deny authorizations if you are in default (as defined under the\nDefault Section), if we suspect fraudulent activity, or for other reasons. We are not liable for any failure to\nauthorize a transaction. You are liable for any transaction we authorize even if we should not have\nauthorized it because you are or would be in default as a result of the transaction. We are not liable for any\nretention of your card by us, any other financial institution, or any provider of goods or services.\nTransactions with Merchants Return Policy: If a merchant discloses a policy such as "no returns," "no\nrefund," "no return or credit without receipt," "as is," "store credit only," or "all sales final," you will be\nbound by that policy when you use your Account to buy goods or services from that merchant.\nRecurring Transactions: Recurring preauthorized transactions occur when you authorize a merchant to\nautomatically initiate a transaction using your account on a recurring basis. If you authorize a merchant to\ncharge your Account for repeat transactions without your Card, you must notify the merchant when you\nwant to discontinue the repeat transactions or if your Account is closed or if you are issued a new Account\nnumber. If we issue a new credit card with a different number or expiration date to you, we may (but are\nnot obligated to) provide your new card number and expiration date to a merchant with whom you have\nset up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions.\nSome merchants use the Visa Account Updater Service that allows them to automatically receive new credit\ncard number associated with your Account. Not all merchants subscribe to this service. You may opt-out of\nthe Visa Account Updater Service by contacting the Northwest Customer Service Department at (877) 6725678. Opt-out of the Visa Account Updater Service does not preclude Northwest from providing new\nAccount or credit card numbers to merchants by other means.\nUse of Your Credit Card Account with a Mobile Phone or Other Mobile Device: Smart phones, some tablets\nor other mobile devices "mobile device" can download, store, and/or access account information,\n\n\x0cfor instance through a mobile wallet, that may enable you to use the mobile device to purchase goods or\nservices, make a balance transfer, or make a cash advance.\nIn certain instances, those transactions will replicate using your card to make a transaction on the internet\nwith your computer. In other instances, the phone or mobile device will act as if it were a credit card itself.\nApplications that enable your mobile device will have unique terms governing those applications. Read\nthem carefully. Transactions made through those applications are governed by this Agreement.\nWhen your credit card Account information is accessible by your mobile device, it is important that you\ntreat your mobile device with the same care you would your credit card. For example, you should secure\nyour mobile device against unauthorized access. Keep in mind, if you give someone your phone, or other\nmobile device, that can be the same as giving that person your credit card.\nTransactions Made in Foreign Currencies: If you make a transaction in a foreign currency (including, for\nexample, online purchases from foreign merchants), the transaction will be converted by Visa\nInternational into a U.S. dollar amount in accordance with the operating regulations or conversion\nprocedures in effect at the time the transaction is processed. Currently, those regulations and procedures\nprovide that the currency conversion rate to be used is either (1) a wholesale market rate or (2) a\ngovernment-mandated rate in effect one day prior to the processing date. The currency conversion rate\nin effect on the processing date may differ from the rate in effect on the transaction date or posting date.\nTransactions made in foreign currencies may be subject to an International Transaction Fee.\nSECTION 3: TYPES OF TRANSACTIONS\nYou may obtain credit in the form of Purchases, Balance Transfers, and Cash Advances, by using cards,\naccess checks, an account number, or other credit devices. Cards are all the credit cards we issue to you\nand to any other person with authorization for use on this account pursuant to this Cardholder Agreement.\nAn access check is a check we provide to you to obtain credit on this account. All access checks include an\nexpiration date printed at the top. We will honor access checks received for payment before the expiration\ndate printed on the check, provided your account is open and in good standing, with available credit.\nAccess checks without a printed expiration date will not be honored. You must sign your card before using\nit to help protect your Account from unauthorized use. However, your liability under Section 6 does not\ndepend on whether you sign your card.\n\nPurchases: A purchase is use of your card or account number (including online, by phone, or through the\nuse of an enabled mobile device) to:\n1. buy or lease goods or services;\n2. buy wire transfers from a non-financial institution \xe2\x80\x9cWire Transfer Purchase\xe2\x80\x9d;\n3. make a transaction that is not otherwise a Cash Advance.\n\nPurchases include Account Fees, as well as Transaction Fees and adjustments associated with any\nPurchase. This Agreement does not grant us a security interest in Purchases you charge to your Account.\n\n\x0cBalance Transfers: A balance transfer is a transfer of funds to another creditor initiated by us at your\nrequest. A Balance Transfer does not include a transaction that is otherwise a Cash Advance. Balance\nTransfers include Transaction Fees and adjustments associated with any Balance Transfer.\nCash Advances: A cash advance is the use of your account for a loan in the following ways:\nCheck Cash Advance: by an access check \xe2\x80\x9cCheck\xe2\x80\x9d you sign as drawer.\na. We may reject and return unpaid a Check you write because:\ni. Your available Line or Cash Limit has been or would be exceeded by paying the Check at\nthe time it is presented to us;\nii. The date of your Check has passed the expiration date or is more than six (6) months old;\niii. Your Check is post-dated. If a post-dated Check is paid, resulting in another Check being\nreturned or not paid, we are not responsible;\niv. Your Account is blocked, closed or suspended;\nv. Your Account is not activated;\nvi. You are in default or would be if we paid the Check;\nvii. Your signature or the payee\xe2\x80\x99s name or endorsement is missing on the Check; or\nviii. The Check appears altered.\n2. Bank Cash Advance: by loans accessed in the followingmanner:\na. ATM Cash Advance: at an automated teller machine;\nb. Over the Counter "OTC" Cash Advance: at any financial institution (i.e., to obtain cash, money\norders, wire transfers, or travelers checks), or at any non-financial institution (i.e., to obtain\ncash);\n3. Overdraft Protection: by funds transfer to cover an overdraft on a deposit account which you\nhave enrolled in this service.\na. We may choose not to cover an overdraft because:\ni. Your available Line or Cash Limit has been or would be exceeded by the transfer of funds\nat the time the account is overdrafted;\nii. Your Account is blocked, closed or suspended;\niii. Your Account is not activated; or\niv. You are in default or would be if we completed the transfer of funds.\n1.\n\nCash Advances include Transaction Fees and adjustments associated with any Cash Advance.\nAll Bank Cash Advances are subject to the Credit Line. For more information on credit lines, please refer\nto the section titled Credit Line and Cash Limit within this Agreement.\nSECTION 4: FINANCE CHARGES\nGrace Period: We do not charge any periodic Finance Charges on your new Purchases if:\nYou pay your New Balance in full by your Payment Due Date; or\n2. Your previous New Balance was zero or a credit balance.\n\n1.\n\n\x0cThere is no grace period for Cash Advances and Balance Transfers.\nPaying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nBilling Cycle: A billing cycle is a time period that ends on a Statement Closing Date \xe2\x80\x9cClosing Date\xe2\x80\x9d\ndetermined by us and begins on the day after the Closing Date of the previous billing cycle. Each monthly\nstatement reflects a single billing cycle.\nCalculation and Billing of Interest Charges: The Interest Charges for a billing cycle are computed by\napplying the Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the average daily balance,\nwe take the beginning balance of your account each day, add any new purchases or cash advances, and\nsubtract any payments, credits, non-accruing fees and unpaid interest charges. This gives us the daily\nbalance. Then we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the cycle. We do this calculation separately for each feature such as Purchases, Cash Advances,\nBalance Transfers or Promotional Balances.\nPeriodic Rates and Annual Percentage Rates: The Periodic Rates and the corresponding Annual\nPercentage Rates for your Account are listed on your Initial Disclosures. The Periodic Rate is the\ncorresponding Annual Percentage Rate divided by twelve (12), rounded to the next highest hundredthousandth of a percentage point.\nVariable Rate Information: If you have a variable rate account, the variable rates listed in your Initial\nDisclosures are determined by adding a Margin listed in your Initial Disclosures to an Index. The Index is\nthe highest prime rate published in the Money Rates Section of The Wall Street Journal in effect on the\nfirst day of each calendar month \xe2\x80\x9cthe Index Date(s)." The variable Periodic Rates and corresponding\nAnnual Percentage Rates will increase if the Index increases or decrease if the Index decreases. The\nchanges to these variable rates will become effective on the first day of your Billing Cycle that ends in the\ncalendar month following the Index Date. An increase to your periodic Rate and corresponding Annual\nPercentage Rate will increase the amount of Finance Charges on your Account and may increase your\nMinimum Payment Due.\nFixed Rate Information: If you have a fixed rate account, the periodic rate used to compute the finance\ncharge for Credit Purchases and Cash Advances and the corresponding \xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d are\noutlined in your Initial Disclosures.\nChanges in Rates: Your APR may be reviewed from time to time and we may, at any time, choose to modify\nyour rate. If we modify your rate, we will provide you with written notice at least forty-five (45) days in\nadvance. Any changes in these terms, including, changes in the Annual Percentage Rate and the periodic\nrate shall be effective with respect to any balances then outstanding as well as to future Credit Purchases\nand Cash Advances.\nPromotional Rates and Fees: Promotional or Introductory Offers are temporary APRs \xe2\x80\x9cPromotional or\nIntroductory Rates\xe2\x80\x9d or transaction fees \xe2\x80\x9cPromotional or Introductory Fees\xe2\x80\x9d that are offered on certain\n\n\x0cqualifying new transactions for a specified period of time. Each Offer will appear on your credit card\nstatement after the first qualified new transaction for that Offer. If you revolve your balance to take\nadvantage of a Promotional or Introductory Offer, all transactions and balances, including purchases, will\nbe charged interest.\nRates for Protected Balances: When an interest rate change for new transactions is applied to your\naccount, any existing balances of that type will be identified as Protected Balances on your statement.\nThese Protected Balances generally are kept at their current APR until the balances are paid in full.\nMinimum Purchase Finance Charge: Whenever the Purchase balance is subject to a periodic Finance\nCharge, we will charge the greater of that periodic Finance Charge or the Minimum Finance Charge for\nPurchases shown in your Initial Disclosures.\nCash Advance and Balance Transfer Fees: For each Cash Advance, we will charge the Cash Advance Fees\nshown on your Initial Disclosures, rounded to the next highest cent, and add the fee to the Cash Advance\nbalance on the transaction date. Balance Transfers and Promotional Balances will also incur these Cash\nAdvance Fees unless we state otherwise in our offer.\nSECTION 5: FEES AND OTHER CHARGES\nWe may charge the following fees and other charges on your account. These fees may or may not be\napplicable. See your Initial Disclosures for specific fee amounts for your account.\n1. Balance Transfer Fee: A Balance Transfer Fee will be assessed for each creditor that we pay off\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\nwith this account.\nAnnual Fee: If an Annual Fee applies to your Account, it will be assessed each year in the month\nof account opening. If this fee applies to your account, it will be assessed if your account is open\nor if you maintain a balance, whether or not you have active chargingprivileges.\nLate Fee: A Late Fee will be assessed if the Total Minimum Payment Due shown on your monthly\nstatement is not received by us on or before its Payment Due Date. The Late Fee will not exceed\nthe Total Minimum Payment Due immediately prior to assessment of the fee.\nOver limit Fee: Each time you attempt to make a charge which results in your outstanding balance\n(including pending authorizations) exceeding your credit line, Northwest Bank may choose to\napprove or deny the transaction at our own discretion. An Over Limit fee may apply fi these\ntransactions are approved. The Over Limit Fee will not exceed the Total Minimum Payment Due\nimmediately prior to assessment of the fee.\nReturned Payment Fee: A Returned Payment Fee will be assessed for any payment on your\nAccount that is returned unpaid. The Returned Payment Fee will not exceed the Total Minimum\nPayment Due immediately prior to assessment of the fee, and will never exceed the amount of\nthe payment being returned.\nStop Payment Fee: A Stop Payment Fee will be assessed for any request made to stop payment\non a Check unless we have posted the Check to your Account before your request.\n\n\x0c7. Copy Charge: A Copy Charge will be assessed if you request a copy of a Statement, sales draft,\n\nCheck, or other record of your Account, other than a request related to a billing dispute you may\nassert against us, pursuant to applicable law.\n8. Research Fee: A Research Fee will be assessed for our time researching something requested on\nyour Account, other than for a billing dispute you may assert against us, pursuant to applicable\nlaw.\n9. Telephone Transfer Fee: A Telephone Transfer Fee will be assessed for Telephone Payments\nprocessed by a Customer Service Representative.\n10. Express Mail Fee: An Express Mail Fee will be assessed if you request rush delivery of acard.\nFee Amounts: The amount of applicable Fees on your Account are listed on you Initial Disclosures and\nadded to the Purchase balance of the Account on the date they are assessed.\nSECTION 6: YOUR LIABILITY\nLiable Parties: All persons who initially or subsequently request, are granted, accept, guarantee or use the\naccount are individually and together responsible for any total outstanding balance. You will be liable for\nthe full balance due on the Account whether or not your name appears on the Statement. If you are\nresponsible to pay any total outstanding balance, we may refuse to release you from liability until all of\nthe cards, access checks, and other credit devices outstanding under the account have been returned to\nus and you repay us the total outstanding balance owed to us under the terms of this Agreement.\nOther Users of the Account: If you are not a Liable Party and you use this Account, you are liable for each\ntransaction you make on the Account plus any Finance Charges, Other Fees and Charges and expenses\nprovided in this Agreement and related to such transactions. If you are an Authorized User (as defined in\nSection 8), your liability does not relieve any Liable Party under this Agreement from liability for the\nAuthorized User\'s transactions until paid.\nSECTION 7: YOUR PAYMENTS\nPromise to Pay: You promise to pay us the amounts of all Transactions on your Account for which you are\nliable under Section 6 or by law, which includes all Purchases, Balance Transfers, and Cash Advances. You\nalso promise to pay us all the amounts of interest charges, fees, and any other transactions charged to\nyour account.\nPayments to Your Account: You must pay each month at least the Total Minimum Payment Due shown\non your monthly statement by its Payment Due Date. Payments must conform to the requirements set\nout on that monthly statement; these requirements may vary without prior notice. You may pay the entire\namount you owe us at any time. Payments made in any billing cycle that are greater than the Total\nMinimum Payment Due will not affect your obligation to make the next Total Minimum Payment Due. If\nyou overpay or if there is a credit balance on your account, we will not pay interest on such amounts. We\nmay reject payments that are not drawn in U.S. dollars and those drawn on a financial institution located\noutside of the United States. If we choose to accept payments made in foreign currency or checks drawn\non non-U.S, we may impose service and collection charges. Our determination of service and collection\ncharges will be final. We are not required to accept any payment that we deem to require special handling.\n\n\x0cGenerally, credits to your account, such as those generated by merchants or by person-to-person money\ntransfers, are not treated as payments and will not reduce your Total Minimum Payment Due.\nTotal Minimum Payment Due: You may pay your total outstanding balance at any time. Each billing\ncycle, you must pay at least the Total Minimum Payment Due shown on your monthly statement by its\nPayment Due Date. The Total Minimum Payment Due will always equal at least $25.00. Subject to this\nlimitation, your Total Minimum Payment Due is calculated as the sum of the following, rounded up to\nthe nearest dollar: (1) 2.0% of the New Balance (2) any Over Limit Amount (3) any Past Due\nAmount. The Total Minimum Payment Due will not be greater than your New Balance Total. If a\npayment is credited to your account but is returned unpaid in a later billing cycle, we will recalculate the\nTotal Minimum Payment Due for the billing cycle in which the payment was originally credited.\nWhen Your Payment Will Be Credited to Your Account: Payments may be made using various methods.\nThe guidelines for posting your payments are as follows:\nPayment Sent Via U.S. Mail\na. Payments will be posted on the date they are received if they meet all of the following\ncriteria:\ni. Payment is received by 5 p.m. local time at the address shown on the remittance\nslip on the front of your monthly statement;\nii. Payment is paid with a check drawn in U.S. dollars on a U.S. financial institution\nor a U.S. dollar money order; and\niii. Payment is sent in the return envelope with only the bottom portion of your\nstatement accompanying it.\nb. Payments received after 5 p.m. local time at the remittance address on any day including\nthe Payment Due Date, but that otherwise meet the above requirements, will be posted\non the following business day.\nc. Payments that do not meet the above criteria may be delayed up to five days.\n2. Payments Made in Any of Our Branch Locations\na. The posting date for payments made in any of our branch locations will be the date they\nare received when they are made prior to closing.\n3. Payments Made Online or by Phone\na. Payments made directly on our website or by phone before 5 p.m. will be posted on the\ndate they are made.\nb. Payments made directly on our website or by phone after 5 p.m. will be posted on the\nfollowing business day.\n4. Payments Made via a Third Party Bill Payer Service\na. Payments made using a third party Bill Payer Service may be received via ACH or physical\ncheck. These will be posted accordingly. NOTE: That physical checks mailed by a Bill Payer\ndo not meet all of the above criteria for Mail Payments and will be treated as a nonconforming payment.\n1.\n\nACH Payments: We process most payment checks electronically. We use the information on your check\nto create an electronic funds transfer. Each time you send a check, you authorize a one-time electronic\n\n\x0cfunds transfer. You also authorize us to process your check as a check or paper draft, as necessary. Funds\nmay be withdrawn from your account as soon as the same day we receive your payment. You will not\nreceive your cancelled check because we are required to destroy it. We will retain an electronic copy.\nHow We Allocate Your Payments: Payments are allocated to posted balances. Your Minimum Payment\nwill be applied first to any unpaid fees or finance charges. After that, if your account has balances with\ndifferent APRs, we will allocate the amount of your payment up to the Total Minimum Payment Due to\nthe lowest APR balances first. Payment amounts in the excess of your Total Minimum Payment Due will\nbe applied to balances with higher APRs before balances with lower APRs.\nOther Payment Terms: We can accept late payments, partial payments, or payments with any restrictive\nwriting without losing any of our rights under this Agreement. This means that no payment, including\nthose marked with paid in full or with any other restrictive words, shall operate as an accord and\nsatisfaction without the prior written approval of one of our senior officers. You may not use a postdated\ncheck to make a payment. If you do postdate a payment check, we may elect to honor it upon presentment\nor return it uncredited to the person that presented it, without in either case waiting for the date shown\non the check. We are not liable to you for any loss or expense arising out of the action we elect to take.\nDefault: Your Account is in default if you fail to comply with any of the terms of this Agreement including,\nincompetency, bankruptcy, insolvency, fraud, misrepresentation and in the event of your death. If you are\nin default, we may close your Account without notice, and you must immediately pay your unpaid balance.\nTo the extent not prohibited by law, if you are in default, you will pay our collection costs, attorney fees\n(including allocated costs for attorneys who are employed by us), court costs and all other expenses of\nenforcing our rights under this Agreement.\nSECTION 8: OTHER IMPORTANT INFORMATION\nChange of Personal Information: You will notify us in writing immediately if you change your name,\naddress or home or business telephone number. If you need to do so, please write to: Northwest Bank,\nCredit Card Programs, PO Box 788, Warren, PA 16365. We may also change your address if so notified by\nthe U.S. Post Office.\nAuthorized Users: If you permit any person to use your card, access checks, account number, or other\ncredit device with the authorization to obtain credit on your account, you will be liable for all transactions\nmade by that person including transactions for which you may not have intended to be liable, even if the\namount of those transactions causes a credit line to be exceeded. Authorized users of this account may\nhave the same access to information about the account and its users as the account holders. We may send\naccount materials (cards, statements and notices) to any liable party, and that person will be responsible\nfor delivering those materials to the other liable parties and authorized users. Notice to any of you will be\nconsidered notice to all of you. You may allow authorized users on your account in the following ways: (1)\nby notifying us that you want someone added to your account as an authorized user; (2) by lending or\notherwise intentionally making your card, account number, or credit device accessible to another; or (3)\nby any other ways in which you would be legally considered to have allowed another to use your account\nor to be legally prevented from denying that you did so. You must think carefully before you allow anyone\n\n\x0cto become an authorized user. By doing so, you authorize the person to use your account to the same\nextent you can, including but not limited to making any Purchases, Balance Transfers, Cash Advances, and\nallowing others to use your account. Your account does not permit you to limit the nature or amount of\nauthority you give to any authorized user and you will not attempt to do so. An authorized user\'s authority\nwill continue until you notify us that you are terminating the authority and you physically retrieve the card\nor other credit device.\nCredit Information: We may periodically review your credit standing by obtaining information from credit\nreporting agencies and others concerning your accounts. You will provide updated financial information\nupon our request. In addition, we may report information about you to credit reporting agencies. You\nhave the right to dispute the accuracy of information we have reported. If you believe we have furnished\ninaccurate or incomplete information about you or your account to a credit reporting agency, write to us\nat: Northwest Bank, Credit Card Programs, PO Box 788, Warren, PA 16365. Please include your name,\naddress, Account number, telephone number, social security number and a brief description of the\nproblem. If available, please include a copy of the credit report inquestion.\nClosing Your Account: We may suspend or close your account or otherwise terminate your right to use\nyour account. We may do this at any time and for any reason. We may elect to not honor any access check\nwhich is written after the expiration date printed on that check. You may close your account at any time\nby notifying us in writing or by telephone. Your obligations under this Agreement continue even after the\naccount is closed. You must destroy all cards, access checks or other credit devices on the account when\nthe account is closed.\nWhen your account is closed, you must contact anyone authorized to charge transactions to your account,\nsuch as internet service providers, health clubs or insurance companies. These transactions may continue\nto be charged to your account until you change the billing. Also, if we believe you have authorized a\ntransaction or are attempting to use your account after you have requested to close the account, we may\nallow the transaction to be charged to your account.\nStopping Payment on Checks: To stop payment of a check you write against your account, you must call\nus at the Customer Service number shown on your Statement with all the following information; the exact\ndollar amount of the Check; the Check number; your Account number; the name of the party to whom\nthe Check was written; and the name of the person who signed the Check. We will stop payment on the\nCheck if we receive your stop payment request by the business day before the day we pay your Check.\nThe date we pay the Check may be before the date it posts to your Account. The stop payment order will\nremain effective for six (6) months. Any request for a stop payment will be subject to a Stop Payment Fee.\nYou may write us to cancel the order at any time. If you need to do so, please write to: Northwest Bank,\nCredit Card Programs, PO Box 788, Warren, PA 16365.\nLost or Stolen Cards and Checks: If your Card or Checks are lost or stolen, or if you think your Account is\nbeing used without your permission, you must notify us immediately by calling the "Lost or Stolen Card"\nnumber on your Statement.\n\n\x0cUnauthorized Use of Your Account: Please notify us immediately of the loss, theft, or\npossible unauthorized use of your account at (800) 600-5249.\nDispute Assistance: If you disagree with a transaction on your Statement or have a dispute with a\nmerchant as a result of the transaction, you will provide information or assistance we reasonably request.\nOtherwise, you will pay us for any resulting loss we have unless we are prohibited by applicable law from\nholding you liable for our loss.\nReservations: When using your Account to make travel or lodging reservations, obtain the merchant\'s\ncancellation policy and follow it if you cancel. If you cancel, obtain the merchant\'s cancellation number\nthat it is required to give you. The merchant may charge you for a canceled transaction unless you can\nprovide us with the merchant\'s cancellation number.\nBenefits: We may offer you certain benefits and services with your account. Any benefits or services are\nnot a part of this Agreement, but are subject to the terms and restrictions outlined in any official\ndocuments provided to you from time to time by or on behalf of Northwest Bank. We may adjust, add, or\ndelete benefits and services at any time and without notice to you.\nMonitoring and Recording Phone Calls: You consent to and authorize Northwest Bank, any of its affiliates,\nor its marketing associates to monitor and/or record any of your telephone conversations with our\nrepresentatives or the representatives of any of those companies. Where you have provided a cell phone\nnumber directly to us, or placed a cell phone call to us, you consent and agree to accept collection calls to\nyour cell phone from us. For any telephone or cell phone calls we place to you, you consent and\nagree that those calls may be automatically dialed and/or use recorded messages.\nRight to Sell Your Account: We may at any time, and without notice to you, sell, assign or transfer your\naccount, any amounts due on your account, this Agreement, or our rights or obligations under your\naccount or this Agreement to any person or entity. The person or entity to whom we make any such sale,\nassignment or transfer shall be entitled to all of our rights and shall assume our obligations under this\nAgreement, to the extent sold, assigned or transferred.\nEnforceability: Our failure to exercise any of our rights under this Agreement will not waive any of our\nrights in the future. If any terms of this Agreement are found to be unenforceable; all other provisions will\nremain in full force.\nSECTION 9: REGULATIONS AND GOVERNING LAW\nRegulation Z Initial Disclosure: You acknowledge receiving from us your Initial Disclosures required by\nTruth-in-Lending Regulation Z and agree that terms contained in your Initial Disclosures apply to your use\nof the card.\nGoverning Law: THIS AGREEMENT IS GOVERNED BY APPLICABLE PENNSYLVANIA AND FEDERAL LAW.\nThis Agreement is made in Pennsylvania and we extend credit to you from Pennsylvania. This Agreement\n\n\x0cis governed by the laws of the State of Pennsylvania (without regard to its conflict of laws principles) and\nby any applicable federal laws.\nOhio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on\nindividuals upon request. The Ohio Civil Rights Commission administers these laws.\nNew York Residents: Northwest Bank may obtain at any time your credit reports for any legitimate\npurpose associated with the account or the application or request for an account including but not limited\nto reviewing, modifying, renewing and collecting on your account. On your request, you will be informed\nif such a report was ordered. If so, you will be given the name and address of the consumer- reporting\nagency furnishing the report. New York residents may contact the New York State Banking Department\n(1-800-518-8866) for a comparative list of credit card rates, fees, and grace periods.\n\nYOUR 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:\nNorthwest Bank\nPO Box 30495\nTampa, FL 33630\nYou may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go\nto the credit card portal.\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you 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\nnot required to investigate any potential errors and you may have to pay the amount inquestion\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\nalso tell you if we have already corrected the error.\n\n\x0c2.\n\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and\nthe date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven 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 credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining 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\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe 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\nfrom an ATM or with a check 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\nor electronically at:\nNorthwest Bank\nPO Box 30495\n\n\x0cTampa, FL 33630\nYou may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go\nto the credit card portal.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n\n\x0c'


b'ORANGE COUNTY\xe2\x80\x99S CREDIT UNION\nIMPORTANT INFORMATION ABOUT YOUR MASTERCARD \xc2\xae PLATINUM\nREWARDS CREDIT CARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAnnual Percentage Rate (APR) for\nBalance Transfers\nAnnual Percentage Rate (APR) for\nCash Advances\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advances\n\xe2\x80\xa2 Foreign Transactions\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\n11.49% to 19.49% based on your\ncreditworthiness. The APR will vary with the\nmarket based on Prime rate.\n11.49% to 19.49% based on your\ncreditworthiness. The APR will vary with the\nmarket based on the Prime Rate.\n20.49%\nThis APR will vary with the market based on the\nPrime Rate.\nYour due date is 25 days after the close of each\nbilling cycle. We will not charge you any\ninterest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at:\nhttp://www.consumerfinance.gov/learnmore\nNone\n2.00% of the amount of the Balance Transfer,\nbut not less than $5.00 nor greater than $50.00\nper Balance Transfer.\n2.00% of the amount of the Cash Advance, but\nnot less than $5.00 nor greater than $50.00 per\nCash Advance.\n1.00% of each foreign transaction in U.S.\nDollars.\nUp to $7 if the Minimum Payment Due is not\npaid within 5 days of the Payment Due Date.\nUp to $25.00.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily\nBalance (Including Current Transactions).\xe2\x80\x9d\nThe information about the costs of the card described in this application is accurate as of\nJanuary 1, 2019. This information may have changed after that date. To find out what\nmay have changed, call us at (888) 354-6228.\nTakeone 01-01-2019\n1009 10 003\n\n\x0c'


b'ORANGE COUNTY\xe2\x80\x99S CREDIT UNION\nAGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT\nFOR MASTERCARD\xc2\xae PLATINUM, PLATINUM REWARDS, AND SELECT CREDIT\nCARDS\nEFFECTIVE: MARCH, 2016\nFOR SELECT CREDIT CARDS \xe2\x80\x93 NOTE: THIS CREDIT CARD ACCOUNT IS\nSECURED BY FUNDS ON DEPOSIT WITH THE CREDIT UNION.\n\nIn this Agreement and Disclosure Statement, the words \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy,\xe2\x80\x9d and \xe2\x80\x9cmine\xe2\x80\x9d mean each\nand all of those who apply for or use the Orange County\xe2\x80\x99s Credit Union MasterCard Credit Card\nand/or Account. \xe2\x80\x9cCredit Union,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean Orange County\xe2\x80\x99s Credit\nUnion. \xe2\x80\x9cCard\xe2\x80\x9d means the MasterCard Platinum, Platinum Rewards, and/or SELECT Card issued\nto me and any duplicates and/or renewals you may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means my MasterCard\nCard Account with you.\nBy requesting and receiving, signing, using, or permitting others to use the Card and/or Account\nissued to me by you, I agree to be bound by the terms and conditions as set forth herein and any\namendments thereto.\nAUTHORIZATION AND PAYMENT: I authorize you to pay and charge my Account for all\nPurchases, Balance Transfers, and Cash Advances made or obtained by me or anyone I authorize\nto use my Card or Account. I will be obligated to pay all such Purchases, Balance Transfers, and\nCash Advances charged to my Account whether resulting from: (1) actual use of my Card or\nConvenience Checks; (2) mail order or telephone, computer, or other electronic Purchases or\nCash Advances made without presenting the Card; or (3) any other circumstance where I\nauthorize a charge or advance, or authorize someone else to make a charge or advance, to my\nAccount (collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your order in U.S.\nDollars with an instrument drawn on a financial institution in the United States at your office or\nat the address set forth on my periodic statement all authorized charges on the terms and at the\nrates set forth herein, plus any FINANCE CHARGES assessed on my Account, and any other\ncharges and fees which I may owe you under the terms of this Agreement (collectively, the\n\xe2\x80\x9cAccount Balance\xe2\x80\x9d). Payments will continue until I have paid the Account Balance in full.\nFINANCE CHARGES: The FINANCE CHARGE for a billing cycle will be the sum of four (4)\ncomponents:\n1.\n\nCash Advance Fee: The first (1st) component of the FINANCE CHARGE is the Cash\nAdvance Fee. Cash Advance transactions are subject to a Cash Advance Fee FINANCE\nCHARGE of two percent (2.00%) of the amount of the Advance that is posted to the\nAccount during the billing cycle. However, the Cash Advance Fee shall not be less than\n$5.00 or greater than $50.00 for each Cash Advance.\n\nPage 1 of 13\n1009 15 023v3\n\n\x0c2.\n\nBalance Transfer Fee: The second (2nd) component of the FINANCE CHARGE is the\nBalance Transfer Fee. Balance Transfer transactions are subject to a Balance Transfer\nFee FINANCE CHARGE of two percent (2.00%) of the amount of the Balance Transfer\nthat is posted to the Account during the billing cycle. However, Balance Transfer Fee\nshall not be less than $5.00 or greater than $50.00 for each Balance Transfer.\n\n3.\n\nForeign Transactions Fee: The third (3rd) component of the FINANCE CHARGE is the\nForeign Transactions Fee. All foreign transactions, whether or not they require a\ncurrency conversion, are subject to Foreign Transaction Fee FINANCE CHARGE of\n1.00% of the transaction amount.\nPurchases, Cash Advances, and Credits made in foreign currencies will be billed to my\nAccount in U.S. Dollars. The conversion to U.S. Dollars will be made in accordance\nwith the MasterCard operating regulations for international transactions. The exchange\nrate between the transaction currency and the billing currency used for processing such\ntransactions is a rate selected by MasterCard from the range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may\nvary from the rate MasterCard itself receives or the government- mandated rate in effect\nfor the applicable central processing date. The conversion rate may be different than the\nrate on the day of the transaction or date of the posting of the Account. When a credit to\nthe Account does not fully offset a charge to the Account due to changes in the rate, I am\nresponsible for the difference.\n\n4.\n\nMonthly Periodic FINANCE CHARGE, Monthly Periodic Rate, and Standard ANNUAL\nPERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances: The\nfourth (4th) component of the FINANCE CHARGE is the Monthly Periodic FINANCE\nCHARGE for Purchases, Balance Transfers, and Cash Advances. The Monthly Periodic\nRate used in calculating the Monthly Periodic FINANCE CHARGE for Purchases,\nBalance Transfers, and Cash Advances is based upon the Prime Rate as published in the\nMoney Rates section of the print edition of The Wall Street Journal (the \xe2\x80\x9cIndex\xe2\x80\x9d). My\nANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash\nAdvances is determined by adding a \xe2\x80\x9cMargin\xe2\x80\x9d as set forth on the enclosed Account\nOpening Table to the Index in effect as of the last business day of the month proceeding\nthe month of my Adjustment Date. The Initial Monthly Periodic Rate for Purchases,\nBalance Transfers, and Cash Advances in effect as of the date of this Agreement is set\nforth on the enclosed Account Opening Table (the corresponding Initial ANNUAL\nPERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances in effect\nas of the date of this Agreement is set forth on the enclosed Account Opening Table).\nThere is no Minimum Monthly Periodic FINANCE CHARGE for Purchases, Balance\nTransfers, and Cash Advances.\nMy ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash\nAdvances may increase or decrease every month. Any such change will be based on an\nincrease or decrease in the Index as set forth below. In the event that the Prime Rate\nceases to be published, changes in the ANNUAL PERCENTAGE RATE for Purchases,\nBalance Transfers, and Cash Advances will be related to a comparable Index as permitted\nPage 2 of 13\n\n1009 15 023v3\n\n\x0cunder the Change in Terms paragraph below. You may waive an increase in the\nANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances\nwhen such an increase can be made, but such a waiver shall not be construed as a waiver\nof your right to increase the ANNUAL PERCENTAGE RATE for Purchases, Balance\nTransfers, and Cash Advances at a future date when entitled to do so.\nMy ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash\nAdvances is subject to change monthly on the billing closing date. These dates shall be\nknown as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d For example, the Index in effect on the last business day\nof January shall be used to calculate the ANNUAL PERCENTAGE RATE for Purchases,\nBalance Transfers, and Cash Advances change effective on the billing closing date in\nFebruary of the same year. All other Adjustment Date rate changes will follow the same\npattern, except that the Index in effect on the last business day of December shall be used\nto calculate the ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and\nCash Advances change effective on the billing closing date in January of the following\nyear.\nThere is no maximum ANNUAL PERCENTAGE RATE for Purchases, Balance\nTransfers, and Cash Advances during the term of this Agreement, except that the\nmaximum ANNUAL PERCENTAGE RATE shall not exceed the maximum ANNUAL\nPERCENTAGE RATE permitted under applicable law. There is no minimum ANNUAL\nPERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances during the\nterm of this Agreement. There are no annual or other limitations on changes in the\nANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances\nduring the term of this Agreement. Decreases in the ANNUAL PERCENTAGE RATE\nfor Purchases, Balance Transfers, and Cash Advances in accordance with the terms of\nthis Agreement are mandatory. Increases in the ANNUAL PERCENTAGE RATE for\nPurchases, Balance Transfers, and Cash Advances in accordance with the terms of this\nAgreement are at your discretion. Any increase or decrease in the ANNUAL\nPERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances will result\nin changes in the amount of the payments required to repay the Account Balance.\nThe Monthly Periodic Rate for Purchases, Balance Transfers, and Cash Advances is\ndetermined by dividing the ANNUAL PERCENTAGE RATE for Purchases, Balance\nTransfers, and Cash Advances by twelve (12) and will change when the ANNUAL\nPERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances changes.\nHOW TO COMPUTE THE BALANCE UPON WHICH PERIODIC FINANCE CHARGES\nARE ASSESSED:\nIf the New Balance shown on my monthly statement is paid in full by the payment Due Date\nshown on the statement, no interest charge will be imposed on the Current Cycle Purchases\n(which are the purchases itemized on the statement). If an \xe2\x80\x9cInterest Charge\xe2\x80\x9d is shown on my\nstatement, it is computed by applying the periodic rate to the average daily balance of previous\nbilling cycle purchases plus the average daily balance of old purchases plus the average daily\nbalance of Cash Advances and Balance Transfers. The average daily outstanding balance is\nPage 3 of 13\n1009 15 023v3\n\n\x0ccomputed in accordance with the method described below. Cash Advances and Balance\nTransfers are always subject to Interest Charges on the date of the transaction.\nAverage daily outstanding balance for the billing period is determined by dividing the sum of the\namounts owed to you on each day of the billing period by the number of days in the billing\nperiod, except that:\nA.\n\nThe amount of new Purchases shown on the statement and the outstanding\nbalance at the beginning of the billing period is not considered part of the average\ndaily outstanding balance during the billing period if the total amount owed to\nyou at the beginning of the billing period was paid in full within 25 days after that\nbeginning date.\n\nB.\n\nInterest charges and any annual fee are not included in the average daily\noutstanding balance.\n\nMINIMUM PAYMENT: Every month, I must pay at least the Minimum Payment Due by the\nPayment Due Date shown on my periodic statement. By separate agreement, I may authorize\nyou to automatically transfer the Minimum Payment Due from my Credit Union share or share\ndraft account. I may; of course, pay more frequently, pay more or pay the New Balance in full,\nand I will reduce my periodic FINANCE CHARGE by doing so. The Minimum Payment Due\nwill be either: (a) 3.00% of my New Balance or $25.00, whichever is greater; or (b) my New\nBalance, if it is less than $25.00. In addition, I must pay any amount on my periodic statement\nlisted as past due and any late charge.\nI understand and agree that any Payment made by me will be applied in the following order: (a)\nunpaid fees and charges, if any; (b) unpaid Periodic FINANCE CHARGES due on Purchases,\nBalance Transfers, and Cash Advances; (c) outstanding principal balances of Purchases, Balance\nTransfers, and Cash Advances previously billed; and (d) current Purchases, Balance Transfers,\nand Cash Advances. However, any portion of my payment in excess of the required Minimum\nPayment will be applied first to the balance subject to the highest ANNUAL PERCENTAGE\nRATE and any remaining portion will be applied to the other balances in descending order based\nupon the applicable ANNUAL PERCENTAGE RATE. If two or more transactions are posted\non the same day, my payment will be applied first to the smaller of them.\nLATE CHARGE: You will charge a Late Charge of up to $7.00 with respect to any monthly\nbilling cycle as a late payment charge on the Minimum Payment Due that is not paid within 5\ndays after the Payment Due Date.\nRETURNED PAYMENT FEE: You will charge a Returned Payment Fee of up to $25.00 with\nrespect to any payment item you receive that cannot be paid and/or must be returned for\ninsufficient funds.\nPURCHASES AND ADVANCES: I may make Purchases and request Balance Transfers and\nCash Advances in accordance with your then-current loan policies. My Purchases and Balance\nTransfers may not exceed my Credit Limit. If my Account is not secured by shares (see the\nPage 4 of 13\n1009 15 023v3\n\n\x0c\xe2\x80\x9cPledge of Shares\xe2\x80\x9d paragraph below), I may request Cash Advances up to 50% of my Credit\nLimit. If my Account is secured by shares, I may request Cash Advances up to 25% of my\nCredit Limit. I understand and agree that all Purchases, Balance Transfers, and Cash Advances,\nand other transactions requested by me or anyone I have permitted to use the Card(s) and/or\nAccount are subject to your approval.\nUSING THE CARD: To make a Purchase or obtain a Cash Advance, there are two alternative\nprocedures to be followed. One is for me to present the Card or Card number to a participating\nMasterCard plan merchant or to you or to another financial institution, and sign or authorize a\nsales or Cash Advance draft. The other is to complete the transaction by using my Personal\nIdentification Number (PIN) in conjunction with the Card in an Automated Teller Machine or\nother type of electronic terminal that provides access to the MasterCard system.\nMy Card and/or Account may not be used directly or indirectly for: (1) any illegal activity or\ntransaction; or (2) any gambling, gaming, betting, or similar activity or transaction. Further, I\nmay not utilize my Card and/or Account for the purchase of any goods or services on the Internet\nthat involve gambling, gaming, betting, or any similar transaction or activity. Such transactions\ninclude, but may not be limited to, any quasi-cash or online gambling transaction, any electronic\ncommerce transaction conducted over an open network, and any betting transaction including the\npurchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering.\nHowever, in the event that a charge or transaction described in this paragraph is approved and\nprocessed, I will still be responsible for such charges.\nELECTRONIC FUND TRANSFER: In the event a use of the Card or the Account number of\nthe Card constitutes an Electronic Fund Transfer, the terms and conditions of my Electronic\nFund Transfer Agreement and Disclosure with you shall govern such transactions to the extent\nthe Electronic Fund Transfer Agreement and Disclosure expands or amends this Agreement and\nDisclosure Statement.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though I need only pay the Minimum\nPayment Due, I understand that I have the right to repay my Account Balance at any time\nwithout penalty. I also understand and agree that I will only be charged FINANCE CHARGES\nto the date I repay my entire Account Balance. I may make larger payments without penalty and\nthis may reduce the total amount of FINANCE CHARGES that I will repay. If I pay more than\nthe Minimum Payment Due in any month and there is still a balance due, I must continue to\nmake Minimum Payments in future months. Any partial payment of my loan will not advance\nmy next payment due date(s). I understand and agree that any payment that (a) delays or (b)\naccelerates the repayment of my Account Balance will (a) increase or (b) decrease my Monthly\nPeriodic FINANCE CHARGE.\nPAYMENTS BY AUTOMATIC TRANSFER: If I request payment by automatic transfer, I\nunderstand and agree that no payment can or will be made if there are insufficient or uncollected\nfunds in the designated account from which the scheduled payment was to be made. Should this\nevent occur, I understand and agree that I will not be released from making the payment. Any\nautomatic transfer I have requested will remain in effect until I cancel it in writing or the\n\nPage 5 of 13\n1009 15 023v3\n\n\x0cAccount Balance is paid in full. You may cancel this service at your discretion.\nDEFAULT: I will be in default if: (1) I do not pay on time or in the proper amount(s); (2) I fail\nto abide by any of the terms of this Agreement; (3) my creditworthiness is impaired; or (4) I die,\nbecome insolvent, or am the subject of bankruptcy or receivership proceedings. In the event of\nany action by you to enforce this Agreement, I agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. I understand and agree that FINANCE CHARGES at the\nANNUAL PERCENTAGE RATE as permitted under this Agreement and Disclosure Statement\nwill continue to accrue until I repay my entire Account Balance.\nACCELERATION AND COLLECTION COSTS: Upon my default, I understand and agree that\nyou have the right to temporarily or permanently suspend any and all Account and Card\nprivileges and/or you may demand immediate payment of the Account Balance and your\ncollection costs, reasonable attorneys\xe2\x80\x99 fees, and court costs (collectively, \xe2\x80\x9cCollection-Related\nCharges\xe2\x80\x9d). I understand and agree that I will be subject to FINANCE CHARGES (at the\napplicable Monthly Periodic Rate), late charges, over limit fees, and Collection-Related Charges\nunder the terms disclosed in this Agreement, until I repay my entire Account Balance.\nRESPONSIBILITY: I agree to repay you according to the terms of this Agreement for all\nPurchases, Balance Transfers, Cash Advances, FINANCE CHARGES, late charges, and other\nfees, if any, arising from the use of the Account by me or any other person I permit to use the\nAccount, even if that person exceeds my permission. I cannot disclaim responsibility by\nnotifying you, although you will close the Account if I so request and I will return all Cards to\nyou. My obligation to pay the Account Balance continues even though an agreement, divorce\ndecree, or other court judgment to which you are not a party may direct me or one of the other\npersons responsible to pay the Account. If this is a joint account, each person who uses the\nAccount and/or Card is jointly and severally responsible with me for charges he or she makes,\neven if the Account and/or Card is used only by one of us. I am liable to pay the entire balance\nof the Account even if the joint accountholder is ordered by a court to pay you or if the joint\naccountholder fails to pay you as ordered by the court. I understand that my account status will\ncontinue to be reported to credit bureaus under each account holder\xe2\x80\x99s name. The delivery of\nnotices or billing statements to any account holder constitutes notice to each account holder.\nYou may rely on instructions given by any account holder. The Cards remain your property and\nI must recover and surrender to you all Cards upon your request and/or upon termination of this\nAccount.\nAUTHORIZED USERS: I may request additional Cards for authorized users. I must pay you\nfor all charges made by authorized users. I must pay you even if I did not intend to be\nresponsible for those charges. I must notify you to withdraw any permission I gave to an\nauthorized user to use my Account.\nUNAUTHORIZED USE: If I notice the loss or theft of my Card, Account number, or PIN, or a\npossible unauthorized use of my Card, I should call you immediately at the number listed on my\nperiodic statement. I will not be liable for any unauthorized use that occurs after I notify you. I\nmay, however, be liable for unauthorized use that occurs before my notice to you. In any case,\nmy liability will not exceed $50.00. My liability may be lower in cases of MasterCard Credit\nPage 6 of 13\n1009 15 023v3\n\n\x0cCard fraud in accordance with current MasterCard U.S.A., Inc. Operating Regulations and such\nliability may not apply when the Account and/or Card is used to make an electronic transfer.\nTERMINATION: You may terminate this Agreement upon my default. Either you or I may\nterminate this Agreement for other good cause. In no event shall any termination relieve me of\nmy obligation to repay the Account Balance. I agree to return all the Cards issued to me or any\nparty designated by me.\nPLEDGE OF SHARES: If my Card is a Secured Card, I must sign a separate Share Pledge\nAgreement. When doing so, I understand and agree that I am pledging, under the Uniform\nCommercial Code, shares now or in the future on deposit in my regular share account(s) up to\nmy Credit Limit. I understand that I must, at all times, keep a sum equal to my Credit Limit on\ndeposit in my regular share account(s) until I repay my entire Account Balance and the Account\nis terminated. I understand and agree that this security interest will cover future Purchases, Cash\nAdvances, and Balance Transfers under this Agreement. If I default, you may apply these shares\nto repay my loan in accordance with federal or other law. I understand that the ANNUAL\nPERCENTAGE RATE quoted above does not take into account the amount pledged in my\nregular share account(s).\nTRANSACTION SLIPS: My periodic statement will identify the merchant, electronic terminal,\nor financial institution at which transactions were made, but sales, Cash Advance, credit, or other\nslips cannot be returned with the periodic statement. I will retain the copy of such slips furnished\nat the time of the transaction in order to verify my periodic statement. You may make a\nreasonable charge for any photocopies or slips I request.\nPLAN MERCHANT DISPUTES: You are not responsible for the refusal of any plan merchant\nor financial institution to honor the Account and/or Card. You are subject to claims and defenses\n(other than tort claims) arising out of goods or services I purchase with the Card only if I have\nmade a good faith attempt but have been unable to obtain satisfaction from the plan merchant,\nand: (a) my purchase was made in response to an advertisement you sent or participated in\nsending me; or (b) my purchase cost more than $50.00 and was made from a plan merchant in\nmy state or within 100 miles of my current mailing address. Any other dispute I must resolve\ndirectly with the plan merchant.\nRETURNS AND ADJUSTMENTS: Merchants and others who honor the Account and/or Card\nmay give credit for returns or adjustments, and they will do so by sending you a credit slip which\nyou will post to the Account. If my credits and payments exceed what I owe you, you will hold\nand apply this credit balance against future Purchases and Cash Advances, or if it is $1.00 or\nmore, refund it on my written request or automatically after six (6) months.\nSURRENDER OF CARD(S): The Card(s) remains your property and, if you request, I must\nsurrender to you all Card(s) you have issued on the Account.\nPAYMENTS MARKED \xe2\x80\x9cPAYMENT IN FULL:\xe2\x80\x9d You may accept checks, money orders, or\nother types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or using other language to indicate full\nsatisfaction of any indebtedness, without being bound by such language or waiving any rights\nPage 7 of 13\n1009 15 023v3\n\n\x0cunder this Agreement. Full satisfaction of indebtedness shall be accepted by you only in a\nwritten agreement, signed by an authorized representative.\nDELAY IN ENFORCEMENT: You can delay enforcing any of your rights under this\nAgreement without losing them.\nGOVERNING LAW: I understand and agree that this Agreement is made in California and shall\nbe governed by the laws of the State of California to the extent that California law is not\ninconsistent with controlling federal law. I also understand and agree that California\xe2\x80\x99s choice of\nlaw rules shall not be applied if they would result in the application of non-California law.\nINTEGRATED DOCUMENT(S): Any separate sheet of paper labeled \xe2\x80\x9cAdditional Disclosure \xe2\x80\x93\nFederal Truth-in-Lending Act\xe2\x80\x9d that is delivered together with this form is an integrated part of\nthe Agreement.\nMEMBERSHIP REQUIREMENT: I understand and agree that I must be and remain a Member\nin good standing with you to be eligible for continuing Account and/or Card privileges, including\nfuture Purchases, Balance Transfers, and Cash Advances. I understand and agree that you may\nsuspend the Account and/or Card privileges during any period in which I do not maintain my\nMembership with you.\nCHANGE OF TERMS: This Agreement is the contract that applies to all transactions on the\nAccount even though the sales, Cash Advance, Credit, or other slips I sign or receive may\ncontain different terms. I understand and agree that you may amend, modify, add to, or delete\nfrom this Agreement any of its terms and conditions in accordance with applicable law.\nCREDIT INFORMATION: I authorize you to investigate my credit standing when opening,\nrenewing, or reviewing the Account, and I authorize you to disclose information regarding the\nAccount to credit bureaus and other creditors who inquire of you about my credit standing to the\nextend authorized by law.\nCHANGE OF NAME, ADDRESS, OR EMPLOYMENT STATUS: I understand and agree that\nI must report to you any change in my name, address, or employment status.\nACCURACY OF INFORMATION: The information provided in my request for credit\n(application) is accurate and I will notify you in writing immediately if there is a change in my\nfinancial condition. You may retain the application. I understand that it is a violation of Section\n1014, Title 18, United States Code to make false statements or overvalue security for the purpose\nof inf1uencing the action of any federally- insured credit union. You may gather whatever credit\nand/or employment information you deem necessary and appropriate from time to time and you\nmay give information concerning your credit experience with me to others.\nADDITIONAL TERMS APPLICABLE TO APPLE PAY, \xc2\xae ANDROID PAY, \xc2\xae GOOGLE\nPAY, \xc2\xae AND OTHER DIGITAL WALLET TRANSACTIONS\nThese Terms for Adding My Card to a Digital Wallet (the \xe2\x80\x9cTerms\xe2\x80\x9d) apply when I choose to add\nPage 8 of 13\n1009 15 023v3\n\n\x0can Orange County\xe2\x80\x99s Credit Union Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) to a Digital Wallet (\xe2\x80\x9cWallet\xe2\x80\x9d), such as\nApple Pay, Android Pay, or Google Pay (\xe2\x80\x9cWallet Provider\xe2\x80\x9d). When I add a Card to the Wallet, I\nagree to these Terms:\nADDING MY CARD: I can add an eligible Card to the Wallet by following the instructions of\nthe Wallet Provider. Only Cards that you indicate are eligible can be added to the Wallet. If my\nCard or underlying account is not in good standing, that Card will not be eligible to enroll in the\nWallet. When I add a Card to the Wallet, the Wallet allows me to use the Card to enter into\ntransactions where the Wallet is accepted. The Wallet may not be accepted at all places where\nmy Card is accepted.\nMY CARD TERMS DO NOT CHANGE: The terms of this Agreement and Disclosure\nStatement do not change when I add my Card to the Wallet. The Wallet simply provides another\nway for me to make purchases with the Card. Any applicable interest, fees, and charges that\napply to my Card will also apply when I use the Wallet to access my Card. You do not charge\nme any additional fees for adding my Card to the Wallet or for using my Card in the Wallet. The\nWallet Provider and other third parties, such as wireless companies or data service providers,\nmay charge me fees.\nYOU ARE NOT RESPONSIBLE FOR THE WALLET: You are not the provider of the Wallet,\nand you are not responsible for providing the Wallet service to me. You are only responsible for\nsupplying information securely to the Wallet Provider to allow usage of the Card in the Wallet.\nYou are not responsible for any failure of the Wallet or the inability to use the Wallet for any\ntransaction. You are not responsible for the performance or non-performance of the Wallet\nProvider or any other third parties regarding any agreement I enter into with the Wallet Provider\nor associated third-party relationships that may impact my use of the Wallet.\nCONTACTING ME ELECTRONICALLY AND BY E-MAIL: I consent to receive electronic\ncommunications and disclosures from you in connection with my Card and the Wallet. I agree\nthat you can contact me by e-mail at any e-mail address I provide to you in connection with any\naccount with you, which may include contact from companies working on your behalf to service\nmy accounts. I agree to update my contact information with you when it changes.\nREMOVING MY CARD FROM THE WALLET: I should contact the Wallet Provider about\nhow to remove my Card from the Wallet. You can block the Card in the Wallet from purchases\nat any time.\nENDING OR CHANGING THESE TERMS; ASSIGNMENTS: You can terminate these Terms\nat any time. You can also change these Terms, or add to, or delete from any items in these\nTerms, at any time. You will provide notice if required by law. You can also assign these Terms.\nI cannot change these terms, but I can terminate these Terms at any time by removing all Cards\nfrom the Wallet. I may not assign these Terms.\nPRIVACY: My privacy and the security of my information are important to you. Our Privacy\nPolicy (available here: https://www.orangecountyscu.org/privacy-policy.php) applies to Cards in\nthe Wallet. I agree that you may share my information with the Wallet Provider, a payment\nPage 9 of 13\n1009 15 023v3\n\n\x0cnetwork, and others in order to provide the services I have requested, to make information\navailable to me about my Card transactions, and to improve your ability to offer these services.\nThis information helps you to add my Card to the Wallet and to maintain the Wallet. You do not\ncontrol the privacy and security of my information that may be held by the Wallet Provider and\nthat is governed by the privacy policy given to me by the Wallet Provider.\nNOTICES: You can provide notices to me concerning these Terms and my use of a Card in the\nWallet by posting the material on your Web site, through electronic notice given to any e-mail\naddress or telephone number I provide to you, or by contacting me at the current address we have\non file for me. I may contact you at: (888) 354-6228.\nQUESTIONS: If I have any questions, disputes, or complaints about the Wallet, I will contact\nthe Wallet Provider using the information given to me by the Wallet Provider. If my question,\ndispute, or complaint is about my Card, then I will contact you at: (888) 354-6628.\nADDITIONAL TERMS APPLICABLE TO MASTERCARD CHECKS\nCHECK USES: I can use the MasterCard Convenience Checks (\xe2\x80\x9cChecks\xe2\x80\x9d or \xe2\x80\x9cCheck\xe2\x80\x9d) to\npurchase goods and services. Use of the Checks is a Cash Advance on my Account and will be\nsubject to the terms and conditions applicable to Cash Advances under this Agreement.\nLIMITATIONS: You are not required to honor a Check that will cause me to exceed my Credit\nLimit. You will not pay a Check if, at the time the Check is presented, I am in default or you\nhave suspended, terminated, or canceled the Account. Each Check must be in the form you have\nissued to me. Checks may be used only by the person(s) whose name(s) is/are printed on the\nCheck. I am responsible for all authorized use of the Checks. I may not use the Checks to pay\nany amount which I owe you pursuant to this Agreement.\nPERIODIC STATEMENTS: My periodic statement will show me an itemization of the Checks\nposted to the Account during the billing cycle. Checks paid by you will not be returned to me\nwith my periodic statement.\nRETURNED CHECK FEE: You will charge a fee per returned Check, which will be billed to\nthe Account if my Check cannot be paid.\nSTOP PAYMENT: Provided such notice is timely so that you shall have reasonable opportunity\nto act upon it under your rules, I may order stop payment on a check drawn on the Account,\nother than one that has been guaranteed. In the event of an oral stop payment order, the order\nshall be valid for only fourteen (14) days thereafter, unless confirmed in writing. Written stop\npayment orders will remain in effect for only six (6) months, unless renewed in writing. I have\nthe burden of establishing the fact and amount of any loss resulting from payment contrary to a\nbinding stop payment order. You will charge a fee per Check when I place a stop payment on\nmy Check(s), which will be billed to my Account.\nSURRENDER OF MASTERCARD CHECKS: The Checks are your property. You reserve the\nright to revoke them at any time. I agree to return them at your request.\nPage 10 of 13\n1009 15 023v3\n\n\x0cCOPY RECEIVED: I acknowledge receipt of a copy of this Agreement and agree to accept its\nterms.\nNOTICE: See the statement below for important information regarding my right to dispute\nbilling errors.\nMY BILLING RIGHTS\nKeep this Document for Future Use\nThis notice tells me about my rights and your responsibilities under the Fair Credit\nBilling Act.\nWHAT TO DO IF I FIND A MISTAKE ON MY STATEMENT:\nIf I think there is an error on my statement, write to you at the address on my periodic statement.\nIn my letter, I should give you the following information:\n\xc2\xb7\n\nAccount information: My name and account number.\n\n\xc2\xb7\n\nDollar amount: The dollar amount of the suspected error.\n\n\xc2\xb7\n\nDescription of problem: If I think there is an error on my bill, I will describe what I\nbelieve is wrong and why I believe it is a mistake.\n\nI must contact you:\n\xc2\xb7\n\nWithin 60 days after the error appeared on my statement.\n\n\xc2\xb7\n\nAt least 3 business days before an automated payment is scheduled, if I want to stop\npayment on the amount I think is wrong.\n\nI must notify you of any potential errors in writing. I may call you, but if I do you are not\nrequired to investigate any potential errors and I may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER YOU RECEIVE MY LETTER:\nWhen you receive my letter, you must do two things:\n1.\n\nWithin 30 days of receiving my letter, you must tell me that you received my letter. You\nmust also tell me if you have already corrected the error.\n\n2.\n\nWithin 90 days of receiving my letter, you must either correct the error or explain to me\nwhy you believe the bill is correct.\n\nPage 11 of 13\n1009 15 023v3\n\n\x0cWhile you investigate whether or not there has been an error:\n\xc2\xb7\n\nYou cannot try to collect the amount in question, or report me as delinquent on that\namount.\n\n\xc2\xb7\n\nThe charge in question may remain on my statement, and you may continue to\ncharge me interest on that amount.\n\n\xc2\xb7\n\nWhile I do not have to pay the amount in question, I am responsible for the remainder of\nmy balance.\n\n\xc2\xb7\n\nYou can apply any unpaid amount against my credit limit.\n\nAfter you finish your investigation, one of two things will happen:\n\xc2\xb7\n\nIf you made a mistake: I will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\n\xc2\xb7\n\nIf you do not believe there was a mistake: I will have to pay the amount in\nquestion, along with applicable interest and fees. You will send me a statement of the\namount I owe and the date payment is due. You may then report me as delinquent if I do\nnot pay the amount you think I owe.\n\nIf I receive your explanation but still believe my bill is wrong, I must write to you within 10 days\ntelling you that I still refuse to pay. If I do so, you cannot report me as delinquent without also\nreporting that I am questioning my bill. You must tell me the name of anyone to whom you\nreported me as delinquent, and you must let those organizations know when the matter has been\nsettled between us.\nIf you do not follow all of the rules above, I do not have to pay the first $50 of the amount I\nquestion even if my bill is correct.\nMY RIGHTS IF I AM DISSATISFIED WITH MY CREDIT CARD PURCHASES\nIf I am dissatisfied with the goods or services that I have purchased with my Card, and I have\ntried in good faith to correct the problem with the merchant, I may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in my home state or within 100 miles of my current\nmailing address, and the purchase price must have been more than $50. (Note: Neither\nof these are necessary if my purchase was based on an advertisement you mailed to me,\nor if you own the company that sold me the goods or services.)\n\n2.\n\nI must have used my Card for the purchase. Purchases made with cash advances from an\nPage 12 of 13\n\n1009 15 023v3\n\n\x0cATM or with a check that accesses my credit card account do not qualify.\n3.\n\nI must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and I am still dissatisfied with the purchase, contact us in\nwriting at the address on my periodic statement.\nWhile you investigate, the same rules apply to the disputed amount as discussed above.\nAfter you finish your investigation, you will tell me your decision. At that point, if you think I\nowe an amount and I do not pay, you may report me as delinquent.\n\nPage 13 of 13\n1009 15 023v3\n\n\x0c'


b'ORANGE COUNTY\xe2\x80\x99S CREDIT UNION\nIMPORTANT INFORMATION ABOUT YOUR MASTERCARD \xc2\xae PLATINUM CREDIT CARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAnnual Percentage Rate (APR) for\nBalance Transfers\nAnnual Percentage Rate (APR) for\nCash Advances\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n0% introductory APR for the first 6 months that your account is open.\nAfter that your APR will be 10.49% to 18.49% based on your\ncreditworthiness. The APR will vary with the market based on Prime\nrate.\n0% introductory APR for the first 6 months that your account is open.\nAfter that your APR will be 10.49% to 18.49% based on your\ncreditworthiness. The APR will vary with the market based on the\nPrime Rate.\n20.49%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance\nby the due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at:\nhttp://www.consumerfinance.gov/learnmore\nNone\n$0 Introductory Fee for Balance Transfers made in the first 6 months\nthat your account is open. After that your fee will be 2.00% of the\namount of the Balance Transfer, but not less than $5.00 nor greater than\n$50.00 per Balance Transfer.\n\n\xe2\x80\xa2 Cash Advances\n\n2.00% of the amount of the Cash Advance, but not less than $5.00 nor\ngreater than $50.00 per Cash Advance.\n\n\xe2\x80\xa2 Foreign Transactions\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\n1.00% of each foreign transaction in U.S. Dollars.\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $25.00.\n\nUp to $7 if the Minimum Payment Due is not paid within 5 days of the\nPayment Due Date.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (Including Current\nTransactions).\xe2\x80\x9d\nThe information about the costs of the card described in this application is accurate as of January 1, 2019. This\ninformation may have changed after that date. To find out what may have changed, call us at (888) 354-6228.\n\nTakeone 01-01-2019\n1009 10 003\n\n\x0c'