b'TRUSTONE FINANCIAL VISA AGREEMENT\nAND TRUTH-IN-LENDING DISCLOSURE\nEffective January 1, 2021\n\nVisa Platinum & Platinum Rewards Credit Cards\nTruStone Financial Credit Union\n\nM-132816\n\nadvance, credit or other slips will not be returned with the monthly statement.\nYou will keep the copy of the slips furnished at the time of the transaction in\norder to verify the monthly statement. There is a limitation of 15 transactions\nper day.\n\nPlease Retain For Personal Records.\nThis is your Credit Card Agreement and Truth-In-Lending disclosure. Please read\nand file with your records. This Agreement and disclosure, required by law, is\ndesigned to define the guidelines concerning your Account(s).\n\nYou should not reveal your PIN to anyone else. Do not write the PIN on the card.\n4. Finance Charge\nCash Advances\nThe FINANCE CHARGE on cash advances begins to accrue on the date you obtain\nthe cash advance.\n\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement.\n\xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card Account Opening disclosure. The Account\nOpening Disclosure is included with this Consumer Credit Card Agreement and is\npart of the agreement. In this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean\neach and all of those who apply for the Credit Card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cours\xe2\x80\x9d\nmean TruStone Financial, a credit union with its main office in Plymouth,\nMinnesota. \xe2\x80\x9cCredit Card\xe2\x80\x9d and \xe2\x80\x9cCard\xe2\x80\x9d mean the Credit Card and any duplicates\nand renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Credit Card Line of Credit Account\nwith the credit union; and \xe2\x80\x9cCredit Union\xe2\x80\x9d means the Credit Union whose name\nappears on this Agreement. Line of Credit may also be called \xe2\x80\x9cCredit Limit\xe2\x80\x9d in\nthis agreement and in your monthly Statement.\n\nThe FINANCE CHARGES for a billing cycle are computed by applying the monthly\nPeriodic Rate to the average daily balance during the billing cycle, which is\ndetermined by dividing the sum of the daily balances during the billing cycle by\nthe number of days in the cycle. Each daily balance is determined by adding to\nthe previous balance (the outstanding balance of your Account at the beginning\nof the billing cycle), any new cash advances received, and subtracting any\npayments as received or credits as posted to your Account, but excluding any\nunpaid FINANCE CHARGES.\n\nBy Keeping The Credit Card, Signing It, Using It, Or Permitting Another\nTo Use It, You Agree To All The Terms And Conditions Of This\nAgreement.\n\nCredit Purchases\nThe FINANCE CHARGE on credit purchases begins to accrue on the date of\npurchase. You can avoid incurring an additional FINANCE CHARGE appearing on\nyour next statement if a) we receive your payment of the total balance due by\nthe \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on your current statement and b) there is no\npurchase in the current billing period. If there is a purchase in the current billing\nperiod a FINANCE CHARGE will appear on your next statement and payment of\nthat FINANCE CHARGE can be avoided if you pay the total balance due by the\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the statement.\n\n1. Effect of Agreement\nThis Agreement is the contract which applies to all transactions on your Account\neven though the sales, cash advance, or credit card slips you sign or receive may\ncontain different terms.\n2. Responsibility\nIf we issue a Card to you, you agree to repay all debts and the FINANCE CHARGE\nfrom the use of your Card and Account. You cannot transfer or assign your\nAccount to another person. You agree that you will not authorize to permit any\nother person to use your Card. If another does use your Card or Card number\nwith your permission, you are responsible for charges made by anyone else to\nwhom you give the Card or Card number to, and this responsibility continues\nuntil the Card is recovered. You cannot avoid responsibility by notifying us, but\nwe will close the Account as soon as possible for new transactions after you\nrequest and return all Cards. If this is a joint Account, each Account holder is\nboth individually and jointly obligated for all payments due under this\nAgreement. Your obligation to pay the Account balance continues even though\nan agreement, divorce decree or other court judgment may direct you or\nanother person to pay the Account. Any person using the Card is jointly\nresponsible with you for charges he or she makes, but if the person signs the\nCard, he or she becomes a party to this Agreement and is jointly responsible for\nall charges on the Account, including yours. You agree to notify us within ten\n(10) days of any change in your name, residence, or mailing address.\n\nThe FINANCE CHARGES for a billing cycle are computed by applying the monthly\nPeriodic Rate to the average daily balance of credit purchases, which is\ndetermined by dividing the sum of the daily balances during the billing cycle by\nthe number of days in the cycle. Each daily balance is determined by adding to\nthe previous balance of credit purchases any new credit purchases posted to\nyour Account and subtracting any payment as received and credits as posted to\nyour Account, but excluding any unpaid FINANCE CHARGES.\n5. Monthly Statements & Payments\nIf you have a balance in excess of $1.00, we will mail to you, on a date selected\nby us, a periodic monthly statement listing all amounts you owe us on this\nAccount.\nEvery month you must pay, in United States dollars and drawn on a financial\ninstitution located in the United States, at least the Minimum Payment required\nwithin 25 days of your statement closing date as shown on your monthly\nstatement. You may, of course, pay more frequently, pay more than the\nMinimum Payment, or pay the Total New Balance in full, and reduce the\nFINANCE CHARGE by doing so. The Minimum Payment will either be 1) 2% of\nyour total New Balance or $15 whichever is greater, or 2) your Total New\nBalance, if it is less than $15 and 3) any portion of the Minimum Payment(s)\nshown on prior statement(s) which remains unpaid. In addition, at any time your\nTotal New Balance exceeds your Credit Limit, you must immediately pay the\nexcess upon our demand. Subject to applicable law, your payments may be\napplied to what you owe the Credit Union in any manner the Credit Union\nchooses. However, payments made in excess of the Minimum Payment, will be\napplied first to the balance with the highest interest rate, then successively to\neach lower interest rate until the excess payment amount is exhausted.\n\n3. Using the Card\nYou understand that the use of your Credit Card will constitute\nacknowledgement of receipt and agreement to the terms of this Credit Card\nAgreement. To make a purchase or cash advance, there are two alternative\nprocedures that you may follow. One is for you to present the Card to a\nparticipating VISA plan merchant, to us, or to another financial institution, and\nsign the sales or cash advance draft which will be imprinted with your Card. The\nother is to complete the transaction by using your Personal Identification\nNumber (PIN) together with the Card at an Automated Teller Machine or other\ntype of electronic terminal that provides access to the VISA system. You may\nalso use your Visa Account for online and phone advances. Online advances may\nbe completed through Online Banking. Phone advances may be completed by\ncalling Telexpress. The monthly statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made. Sales, cash\n\n1\n\n\x0cTRUSTONE FINANCIAL VISA AGREEMENT\nAND TRUTH-IN-LENDING DISCLOSURE\nEffective January 1, 2021\n\nWe may accept late payments, partial, and payments marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d\nor similar language without waiving or losing any right to demand payment as\nset forth in this Agreement.\n\nM-132816\n\nbe responsible for all amounts and charges incurred in connection with the\ntransaction.\n\nYou will be responsible for all matters shown on each monthly statement unless\nyou notify us in writing of any dispute within 60 days after statement date in the\nmanner required by the notice entitled \xe2\x80\x9cYour Billing Rights: Keep This Notice For\nFuture Use\xe2\x80\x9d included in this Agreement.\n\n12. Returns and Adjustments\nMerchants and others who honor the Card may give credit for returns or\nadjustments, and they will do so by issuing a credit which will be posted to your\nAccount. If your credits and payments exceed what you owe us, we will apply\nthis credit balance against future purchases and cash advances to your Account.\nIf this credit balance is $1.00 or more, we will refund it per your written request.\nCredit refunds will reduce your balance owed.\n\n6. Default\nYou will be in default if you fail to make any Minimum Payment within 25 days\nafter the monthly statement closing date. You will also be in default if 1) your\nability to repay us is materially reduced by a change in your employment or\nfinancial standing or an increase in your obligation, 2) there are bankruptcy or\ninsolvency proceedings involving you, 3) you die, 4) you make a\nmisrepresentation in connection with your Account, 5) you default on any\nobligation to us, under this Agreement or otherwise, you fail to comply with the\nterms of this Agreement, 6) you cancel your membership with us, 7) you exceed\nyour Credit Limit or 8) there is an attachment, levy or garnishment against you\nor your property. We have the right to demand immediate payment of your full\nAccount balance if you are in default. If permitted by law, you will also be\nrequired to pay our collection expenses, including court costs and reasonable\nattorney\xe2\x80\x99s fees. If you are in default, we may close your Account and cancel all\nCards issued on your Account without any notice to you.\n\n13. Foreign Transactions\nPurchases and cash advances you make in foreign countries and foreign\ncurrencies will be billed to you in U.S. dollars. The conversion to dollars will be\nmade according to the operating regulations for international transactions\nestablished by VISA International, Inc. The conversion rate billed to you may\ndiffer from the published rate in effect on the day that you made the transaction\nor it was posted to your Account. You agree to pay us the amount as converted.\nThe exchange rate between the transaction currency and the billing currency\nused for processing international transactions is a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives or the\ngovernment-mandated rate in effect for the applicable central processing date.\n\n7. Lost Card Notification\nIf you believe your Card has been lost or stolen or is being used without your\npermission, you will immediately call us at (800) 862-1998. You may follow up in\nwriting to: TruStone Financial, PO Box 1260, Minneapolis, MN 55440-1260.\n\n14. Cancellation\nAny Card or other credit instrument issued to you is the property of TruStone\nFinancial, and must be returned to us immediately upon demand or upon notice\nof cancellation or withdrawal of the Account.\n\n8. Credit Limit\nYou agree not to let the Account balance exceed this approved Credit Limit or to\nuse your Account for a purchase or advance if your total unpaid balance of\npurchases, advances, FINANCE CHARGES, and fees will exceed your Line of\nCredit. We will refuse to accept any transaction on your Account which would\ncause you to exceed your Line of Credit. Each payment you make on the Account\nwill restore your Credit Limit by the amount of payment which is applied to the\nprincipal. You agree that we may change the Credit Limit at any time, and we will\nnotify you of any such change. We may, at our discretion, increase your Credit\nLimit from time to time upon notifying you in writing of the increase. You may\nrequest an increase in your Line of Credit by calling or writing us.\n\nYou may cancel your Account at any time by notifying us in writing at the\naddress on your monthly statement and cutting your Card(s) in half and\nreturning all Cards and Convenience Checks issued on your Account. Even after\nyour Account is closed, you remain responsible for paying any amounts you owe\non the Account according to the terms of this Agreement. If this is a joint\nAccount, either of you may request that this Account be closed and we will\nhonor that request without us having any liability to either of you. We can\nsuspend your Account privileges or cancel your Account at any time, with or\nwithout cause or notice. Your Credit Card privileges may be revoked due to\nnegligence. Such termination by us does not affect your obligation to pay any\namounts you owe on the Account according to the terms of this Agreement.\n\n9. Credit Information\nAt any time we may request, and you will give, credit, employment, financial and\nother information to us as we deem necessary to reevaluate your Account or\ncredit worthiness. You authorize us to investigate your credit standing at any\ntime and you authorize us to disclose information regarding your Account to\ncredit bureaus and other creditors who ask us about your credit standing. We\nwill take responsible steps to protect your rights under Federal and State law.\n\n15. Skip Payment Option\nAt the option of TruStone Financial, a minimum payment may be waived during\ncertain billing cycles. If such a waiver occurs, FINANCE CHARGES will continue to\napply to the Account during the skip payment billing cycle. Beginning with the\nbilling cycle following the skip payment, all provisions of the Agreement shall\napply.\n16. Merchant Credit Authorizations\nWe are not responsible for the refusal of any VISA plan merchant or financial\ninstitution to honor your Card or Convenience Check, or for goods or services\nyou purchase or lease using your Account, except as required by law.\n\n10. CU Rewards Program\nIf you are participating in a Visa Rewards Card program, we have provided you\nwith a separate written disclosure stating additional Terms and Conditions on\nyour Rewards Card program, and that disclosure is made part of this Agreement\nby this reference. A full set of Program Rules and Conditions are available on the\nCURewards website at www.curewards.com. The Visa Platinum card is not\neligible for rewards.\n\nSome purchases will require our prior authorization. We may not be able to\nauthorize a transaction, even if you have sufficient available credit. We will not\nbe liable to you if this should occur.\n17. Security Interest\nYou grant us a security interest in all individual and joint share and/or deposit\naccounts you have with us now and in the future to secure your Credit Card\nAccount. You may withdraw these shares unless you are in default. When you\nare in default, you authorize us to apply the balance in these accounts to any\n\n11. Illegal Transactions\nYou agree that you will not use your Card for any transaction that is illegal under\napplicable federal, state or local law. Even if you use your Card for an illegal\ntransaction, or for any unlawful purpose (for example, online gambling) you will\n\n2\n\n\x0cTRUSTONE FINANCIAL VISA AGREEMENT\nAND TRUTH-IN-LENDING DISCLOSURE\nEffective January 1, 2021\n\namounts due. For example, if you have an unpaid Credit Card balance, you agree\nwe may use funds in your account(s) to pay any or all of the unpaid balance.\nShares and deposits in an IRA or any other account that would lose special tax\ntreatment under state or federal law if given as security are not subject to the\nsecurity interest you have given in your shares and deposits.\n\nM-132816\n\n\xe2\x80\xa2TruStone Financial, PO Box 1260 Minneapolis, MN 55440-1260.\nIn your letter give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account number.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\n\n18. Fees\nPlease refer to the TruStone Financial Fee Schedule for applicable fees.\n19. Other Provisions\nA. No waiver. We may choose to delay enforcing or waive any of our rights\nunder this Agreement without affecting our other rights. If we waive a right, we\ndo not thereby waive the same right in other situations.\n\nYou must contact us:\n\xe2\x80\xa2Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\n\nB. Severability. If any provision of this Agreement is unenforceable, all other\nprovisions of this Agreement are still valid and enforceable.\n\nYou must notify us of any potential errors in writing. You may call us at (800)\n862.1998, but if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\nC. Entire Agreement. This Agreement embodies the entire agreement and\nunderstanding between you and us and supersedes all agreements, statements\nand understandings, unless otherwise expressly stated.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain why we believe the bill was correct.\n\nD. Change in Terms of Your Account. We can change any terms of your Account\nat any time. When required by law, we will provide you with advanced notice of\nchanges. Any changes will apply to the current balance of your Account as well\nas future balances, to the extent permitted by law and we indicate in our notice.\nYou may choose to accept a change by keeping your Account open or decline\ncertain changes by closing your Account prior to the effective date of the change\nand repaying any outstanding balance according to the old terms. Your decision\nto keep your Account open after any change will constitute your agreement to\nthe change. We may sell or otherwise transfer your Account and any amount\nowed by you to another creditor at any time. If we do, this Agreement will\nremain in effect.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your Credit Limit.\n\n20. Automatic Payment\nIf you have requested an automatic payment to be made from any financial\ninstitution, all payments due will automatically be deducted from your\ndesignated savings or checking account on or before your due date. If your\ndesignated account does not contain sufficient funds on the payment due date,\nyou will be responsible for the payment and any returned items fees associated\nwith the payment.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we find that we made a mistake: You will not have to pay the amount in\nquestion, or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date that payment it is due. We\nmay then report you as delinquent if you do not pay the amount we think you\nowe.\n\n21. Governing Law\nThis Agreement and your Account shall be governed by the state laws in which\nyour account resides and the laws of the United States.\n\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\n\n22. Successors & Assigns\nYou agree TruStone Financial may at any time assign or transfer to another\nperson your Account, your Account balance, on this Agreement. You will not\nassign or transfer any of your rights or duties under this Agreement. This\nAgreement is binding upon your heirs and legal representatives.\n23. Notice To Married Wisconsin Residents\nNo provision of a marital property agreement, unilateral or court decree\napplying to marital property adversely affects the interest of the creditor unless\nthe creditor, prior to the time the credit is granted, is furnished a copy of the\nagreement, statement or decree or has actual knowledge of the adverse\nprovision when the obligation to the creditor is incurred. You are married and\nthis Account is being opened in the interest of your marriage or family.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour Credit Card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\n\n24. Your Billing Rights\xe2\x80\x94Keep This Notice For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\n\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:\n\n3\n\n\x0cTRUSTONE FINANCIAL VISA AGREEMENT\nAND TRUTH-IN-LENDING DISCLOSURE\nEffective January 1, 2021\n\nan advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your Credit Card\nAccount do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nM-132816\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\n\xe2\x80\xa2 TruStone Financial, PO Box 1260 Minneapolis, MN 55440-1260\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you own an amount and you do not pay, we may report you as\ndelinquent.\n25. Liability For Unauthorized Use\nIf you notice the loss or theft of your Credit Card or a possible unauthorized use\nof your Card you should write to us immediately at: TruStone Financial PO Box\n1260 Minneapolis, MN 55440-1260 or call us at (800) 862.1998. You will not be\nliable for unauthorized use that occurs after you notify us of the loss, theft or\npossible unauthorized use unless you were grossly negligent in the handling of\nyour Account or Card. You may, however, be liable for unauthorized use that\noccurs before your notice to us. In any case, your liability will not exceed $50 or\nthe amount of unauthorized use, whichever is less. If unauthorized withdrawals\nare made using your card or card number you may be required to sign a Claim of\nFraud or Forgery form. You agree to cooperate in any investigation of\nunauthorized use.\n26. Copy Received\nYou acknowledge receipt of a copy of this Agreement.\n\n4\n\n\x0c'


b'Important Terms and Conditions\nVisa\xc2\xae Signature Credit Card\n\nEffective\nMarch 17th, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00 % APR* Introductory rate is valid for 6 months from the date that\n\nyour new card account is opened. Based on your credit worthiness, after this\nintroductory period, your APR will be:\n\n9.90% - 15.65% APR* This APR will vary with the market based on\nthe Wall Street Journal\xe2\x80\x99s Highest Published Prime Rate.\n\nAPRs for Balance Transfers\n\n0.00 % APR* Introductory rate is valid for 6 months from the date that\n\nyour new card account is opened. Based on your credit worthiness, after this\nintroductory period, your APR will be:\n\n9.90% - 15.65% APR* This APR will vary with the market based on\nthe Wall Street Journal\xe2\x80\x99s Highest Published Prime Rate.\n\nAPRs for Cash Advances\n\n0.00 % APR*\n\nIntroductory rate is valid for 6 months from the date that\nyour new card account is opened. Based on your credit worthiness, after this\nintroductory period, your APR will be:\n\n9.90% - 15.65% APR* This APR will vary with the market based on\nthe Wall Street Journal\xe2\x80\x99s Highest Published Prime Rate.\n\nPenalty APR and When it Applies\nMinimum Interest Charge\nHow to Avoid Paying Interest on\nPurchases\nCredit Card Tips from the Consumer\nFinancial Protection Bureau\n\nNone\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\nNone\nUp to $25\nNone\nUp to $25\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nSee cardholder agreement for complete details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\n\x0cYour standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The\nPrime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and\nOctober) and changes are effective as the first day of your next billing cycle. Current rate as of March 17th, 2020.\nSee cardholder agreement for complete details.\n*\n\nTruStoneFinancial.org | 763.544.1517 | 800.862.1998\n\n\x0c'


b'TRUSTONE FINANCIAL VISA SIGNATURE\nCARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE\nTruStone Financial Credit Union\n\nEffective January 1, 2021\n\nM-132814\n\nsystem. You may also use your Visa Account for online and phone advances.\nOnline advances may be completed through Online Banking. Phone advances\nmay be completed by calling Telexpress. The monthly statement will identify\nthe merchant, electronic terminal, or financial institution at which\ntransactions were made. Sales, cash advance, credit or other slips will not be\nreturned with the monthly statement. You will keep the copy of the slips\nfurnished at the time of the transaction in order to verify the monthly\nstatement. There is a limitation of 15 transactions per day.\n\nPlease Retain For Personal Records.\nThis is your Signature Card Agreement and Truth-In-Lending disclosure.\nPlease read and file with your records. This Agreement and disclosure,\nrequired by law, is designed to define the guidelines concerning your\nAccount(s).\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Signature Card\nAgreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Signature Card Account Opening\ndisclosure. The Account Opening Disclosure is included with this Consumer\nSignature Card Agreement and is part of the agreement. In this Agreement\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the\nSignature Card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cours\xe2\x80\x9d mean TruStone Financial, a credit\nunion with its main office in Plymouth, Minnesota. \xe2\x80\x9cSignature Card\xe2\x80\x9d and\n\xe2\x80\x9cCard\xe2\x80\x9d mean the Signature Card and any duplicates and renewals we issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Signature Card Line of Credit Account with the credit\nunion; and \xe2\x80\x9cCredit Union\xe2\x80\x9d means the Credit Union whose name appears on\nthis Agreement. Line of Credit may also be called \xe2\x80\x9cCredit Limit\xe2\x80\x9d in this\nagreement and in your monthly Statement.\n\nYou should not reveal your PIN to anyone else. Do not write the PIN on the\ncard.\n4. Finance Charge\nCash Advances\nThe FINANCE CHARGE on cash advances begins to accrue on the date you\nobtain the cash advance.\nThe FINANCE CHARGES for a billing cycle are computed by applying the\nmonthly Periodic Rate to the average daily balance during the billing cycle,\nwhich is determined by dividing the sum of the daily balances during the\nbilling cycle by the number of days in the cycle. Each daily balance is\ndetermined by adding to the previous balance (the outstanding balance of\nyour Account at the beginning of the billing cycle), any new Cash Advances\nreceived, and subtracting any payments received or credits as posted to your\nAccount, but excluding any unpaid FINANCE CHARGES.\n\nBy Keeping The Credit Card, Signing It, Using It, Or Permitting\nAnother To Use It, You Agree To All The Terms And Conditions Of\nThis Agreement.\n\nCredit Purchases\nThe FINANCE CHARGES for a billing cycle are computed by applying the\nmonthly Periodic Rate to the average daily balance during the billing cycle,\nwhich is determined by dividing the sum of the daily balances during the\nbilling cycle by the number of days in the cycle. Each daily balance is\ndetermined by adding to the previous balance (the outstanding balance of\nyour Account at the beginning of the billing cycle), any new Cash Advances\nreceived, and subtracting any payments received or credits as posted to your\nAccount, but excluding any unpaid FINANCE CHARGES.\n\n1. Effect of Agreement\nThis Agreement is the contract which applies to all transactions on your\nAccount even though the sales, cash advance, or credit card slips you sign or\nreceive may contain different terms.\n2. Responsibility\nIf we issue a Card to you, you agree to repay all debts and the FINANCE\nCHARGE from the use of your Card and Account. You cannot transfer or\nassign your Account to another person. You agree that you will not authorize\nto permit any other person to use your Card. If another does use your Card\nor Card number with your permission, you are responsible for charges made\nby anyone else to whom you give the Card or Card number to, and this\nresponsibility continues until the Card is recovered. You cannot avoid\nresponsibility by notifying us, but we will close the Account as soon as\npossible for new transactions after you request and return all Cards. If this is\na joint Account, each Account holder is both individually and jointly obligated\nfor all payments due under this Agreement. Your obligation to pay the\nAccount balance continues even though an agreement, divorce decree or\nother court judgment may direct you or another person to pay the Account.\nAny person using the Card is jointly responsible with you for charges he or\nshe makes, but if the person signs the Card, he or she becomes a party to this\nAgreement and is jointly responsible for all charges on the Account, including\nyours. You agree to notify us within ten (10) days of any change in your\nname, residence, or mailing address.\n\n5. Monthly Statements & Payments\nIf you have a balance in excess of $1.00, we will mail to you, on a date\nselected by us, a periodic monthly statement listing all amounts you owe us\non this Account.\nEvery month you must pay, in United States dollars and drawn on a financial\ninstitution located in the United States, at least the Minimum Payment\nrequired within 25 days of your statement closing date as shown on your\nmonthly statement. You may, of course, pay more frequently, pay more than\nthe Minimum Payment, or pay the Total New Balance in full, and reduce the\nFINANCE CHARGE by doing so. The Minimum Payment will either be 1) 2% of\nyour total New Balance or $15 whichever is greater, or 2) your Total New\nBalance, if it is less than $15 and 3) any portion of the Minimum Payment(s)\nshown on prior statement(s) which remains unpaid. In addition, at any time\nyour Total New Balance exceeds your Credit Limit, you must immediately pay\nthe excess upon our demand. Subject to applicable law, your payments may\nbe applied to what you owe the Credit Union in any manner the Credit Union\nchooses. However, payments made in excess of the Minimum Payment, will\nbe applied first to the balance with the highest interest rate, then\nsuccessively to each lower interest rate until the excess payment amount is\nexhausted.\n\n3. Using the Card\nYou understand that the use of your Credit Card will constitute\nacknowledgement of receipt and agreement to the terms of this Credit Card\nAgreement. To make a purchase or cash advance, there are two alternative\nprocedures that you may follow. One is for you to present the Card to a\nparticipating VISA plan merchant, to us, or to another financial institution,\nand sign the sales or cash advance draft which will be imprinted with your\nCard. The other is to complete the transaction by using your Personal\nIdentification Number (PIN) together with the Card at an Automated Teller\nMachine or other type of electronic terminal that provides access to the VISA\n\nWe may accept late payments, partial, and payments marked \xe2\x80\x9cPayment in\nFull\xe2\x80\x9d or similar language without waiving or losing any right to demand\npayment as set forth in this Agreement.\n\n1\n\n\x0cTRUSTONE FINANCIAL VISA SIGNATURE\nCARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE\n\nEffective January 1, 2021\n\nM-132814\n\ngambling) you will be responsible for all amounts and charges incurred in\nconnection with the transaction.\n\nYou will be responsible for all matters shown on each monthly statement\nunless you notify us in writing of any dispute within 60 days after statement\ndate in the manner required by the notice entitled \xe2\x80\x9cYour Billing Rights: Keep\nThis Notice For Future Use\xe2\x80\x9d included in this Agreement.\n\n12. Returns and Adjustments\nMerchants and others who honor the Card may give credit for returns or\nadjustments, and they will do so by issuing a credit which will be posted to\nyour Account. If your credits and payments exceed what you owe us, we will\napply this credit balance against future purchases and cash advances to your\nAccount. If this credit balance is $1.00 or more, we will refund it per your\nwritten request. Credit refunds will reduce your balance owed.\n\n6. Default\nYou will be in default if you fail to make any Minimum Payment within 25\ndays after the monthly statement closing date. You will also be in default if 1)\nyour ability to repay us is materially reduced by a change in your\nemployment or financial standing or an increase in your obligation, 2) there\nare bankruptcy or insolvency proceedings involving you, 3) you die, 4) you\nmake a misrepresentation in connection with your Account, 5) you default on\nany obligation to us, under this Agreement or otherwise, you fail to comply\nwith the terms of this Agreement, 6) you cancel your membership with us, 7)\nyou exceed your Credit Limit or 8) there is an attachment, levy or\ngarnishment against you or your property. We have the right to demand\nimmediate payment of your full Account balance if you are in default. If\npermitted by law, you will also be required to pay our collection expenses,\nincluding court costs and reasonable attorney\xe2\x80\x99s fees. If you are in default, we\nmay close your Account and cancel all Cards issued on your Account without\nany notice to you.\n\n13. Foreign Transactions\nPurchases and cash advances you make in foreign countries and foreign\ncurrencies will be billed to you in U.S. dollars. The conversion to dollars will\nbe made according to the operating regulations for international transactions\nestablished by VISA International, Inc. The conversion rate billed to you may\ndiffer from the published rate in effect on the day that you made the\ntransaction or it was posted to your Account. You agree to pay us the\namount as converted. The exchange rate between the transaction currency\nand the billing currency used for processing international transactions is a\nrate selected by VISA from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from\nthe rate Visa itself receives or the government-mandated rate in effect for\nthe applicable central processing date.\n\n7. Lost Card Notification\nIf you believe your Card has been lost or stolen or is being used without your\npermission, you will immediately call us at (800) 862-1998. You may follow\nup in writing to: TruStone Financial, PO Box 1260, Minneapolis, MN 554401260.\n\n14. Cancellation\nAny Card or other credit instrument issued to you is the property of TruStone\nFinancial, and must be returned to us immediately upon demand or upon\nnotice of cancellation or withdrawal of the Account.\n\n8. Credit Limit\nYou agree not to let the Account balance exceed this approved Credit Limit\nor to use your Account for a purchase or advance if your total unpaid balance\nof purchases, advances, FINANCE CHARGES, and fees will exceed your Line of\nCredit. We will refuse to accept any transaction on your Account which\nwould cause you to exceed your Line of Credit. Each payment you make on\nthe Account will restore your Credit Limit by the amount of payment which is\napplied to the principal. You agree that we may change the Credit Limit at\nany time, and we will notify you of any such change. We may, at our\ndiscretion, increase your Credit Limit from time to time upon notifying you in\nwriting of the increase. You may request an increase in your Line of Credit by\ncalling or writing us.\n\nYou may cancel your Account at any time by notifying us in writing at the\naddress on your monthly statement and cutting your Card(s) in half and\nreturning all Cards and Convenience Checks issued on your Account. Even\nafter your Account is closed, you remain responsible for paying any amounts\nyou owe on the Account according to the terms of this Agreement. If this is a\njoint Account, either of you may request that this Account be closed and we\nwill honor that request without us having any liability to either of you. We\ncan suspend your Account privileges or cancel your Account at any time, with\nor without cause or notice. Your Credit Card privileges may be revoked due\nto negligence. Such termination by us does not affect your obligation to pay\nany amounts you owe on the Account according to the terms of this\nAgreement.\n\n9. Credit Information\nAt any time we may request, and you will give, credit, employment, financial\nand other information to us as we deem necessary to reevaluate your\nAccount or credit worthiness. You authorize us to investigate your credit\nstanding at any time, and you authorize us to disclose information regarding\nyour Account to credit bureaus and other creditors who ask us about your\ncredit standing. We will take responsible steps to protect your rights under\nFederal and State law.\n\n15. Skip Payment Option\nAt the option of TruStone Financial, a minimum payment may be waived\nduring certain billing cycles. If such a waiver occurs, FINANCE CHARGES will\ncontinue to apply to the Account during the skip payment billing cycle.\nBeginning with the billing cycle following the skip payment, all provisions of\nthe Agreement shall apply.\n16. Merchant Credit Authorizations\nWe are not responsible for the refusal of any VISA plan merchant or financial\ninstitution to honor your Card or Convenience Check, or for goods or services\nyou purchase or lease using your Account, except as required by law.\n\n10. CU Rewards Program\nIf you are participating in a Visa Rewards Card program, we have provided\nyou with a separate written disclosure stating additional Terms and\nConditions on your Rewards Card program, and that disclosure is made part\nof this Agreement by this reference. A full set of Program Rules and\nConditions are available on the CURewards website at www.curewards.com.\n\nSome purchases will require our prior authorization. We may not be able to\nauthorize a transaction, even if you have sufficient available credit. We will\nnot be liable to you if this should occur.\n\n11. Illegal Transactions\nYou agree that you will not use your Card for any transaction that is illegal\nunder applicable federal, state or local law. Even if you use your Card for an\nillegal transaction, or for any unlawful purpose (for example, online\n\n17. Security Interest\nYou grant us a security interest in all individual and joint share and/or deposit\naccounts you have with us now and in the future to secure your Credit Card\n\n2\n\n\x0cTRUSTONE FINANCIAL VISA SIGNATURE\nCARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE\n\nEffective January 1, 2021\n\nM-132814\n\nAccount. You may withdraw these shares unless you are in default. When\nyou are in default, you authorize us to apply the balance in these accounts to\nany amounts due. For example, if you have an unpaid Credit Card balance,\nyou agree we may use funds in your account(s) to pay any or all of the unpaid\nbalance. Shares and deposits in an IRA or any other account that would lose\nspecial tax treatment under state or federal law if given as security are not\nsubject to the security interest you have given in your shares and deposits.\n\n24. Your Billing Rights: Keep This Notice For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\n\n18. Fees\nPlease refer to the TruStone Financial Fee Schedule for applicable fees.\n\nIn your letter give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account number.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\n\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:\n\xe2\x80\xa2 TruStone Financial, PO Box 1260 Minneapolis, MN 55440-1260.\n\n19. Other Provisions\nA. No waiver. We may choose to delay enforcing or waive any of our rights\nunder this Agreement without affecting our other rights. If we waive a right,\nwe do not thereby waive the same right in other situations.\nB. Severability. If any provision of this Agreement is unenforceable, all other\nprovisions of this Agreement are still valid and enforceable.\n\nYou must contact us:\n\xe2\x80\xa2Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\n\nC. Entire Agreement. This Agreement embodies the entire agreement and\nunderstanding between you and us and supersedes all agreements,\nstatements and understandings, unless otherwise expressly stated.\n\nYou must notify us of any potential errors in writing. You may call us at (800)\n862.1998, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\nD. Change in Terms of Your Account. We can change any terms of your\nAccount at any time. When required by law, we will provide you with\nadvanced notice of changes. Any changes will apply to the current balance of\nyour Account as well as future balances, to the extent permitted by law and\nwe indicate in our notice. You may choose to accept a change by keeping\nyour Account open or decline certain changes by closing your Account prior\nto the effective date of the change and repaying any outstanding balance\naccording to the old terms. Your decision to keep your Account open after\nany change will constitute your agreement to the change. We may sell or\notherwise transfer your Account and any amount owed by you to another\ncreditor at any time. If we do, this Agreement will remain in effect.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain why we believe the bill was correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your Credit Limit.\n\n20. Automatic Payment\nIf you have requested an automatic payment to be made from any financial\ninstitution, all payments due will automatically be deducted from your\ndesignated savings or checking account on or before your due date. If your\ndesignated account does not contain sufficient funds on the payment due\ndate, you will be responsible for the payment and any returned items fees\nassociated with the payment.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we find that we made a mistake: You will not have to pay the amount in\nquestion, or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date that payment it is due. We\nmay then report you as delinquent if you do not pay the amount we think\nyou owe.\n\n21. Governing Law\nThis Agreement and your Account shall be governed by the state laws in\nwhich your Account resides and the laws of the United States.\n22. Successors & Assigns\nYou agree TruStone Financial may at any time assign or transfer to another\nperson your Account, your Account balance, on this Agreement. You will not\nassign or transfer any of your rights or duties under this Agreement. This\nAgreement is binding upon your heirs and legal representatives.\n\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\n\n23. Notice To Married Wisconsin Residents\nNo provision of a marital property agreement, unilateral or court decree\napplying to marital property adversely affects the interest of the creditor\nunless the creditor, prior to the time the credit is granted, is furnished a copy\nof the agreement, statement or decree or has actual knowledge of the\nadverse provision when the obligation to the creditor is incurred. You are\nmarried and this Account is being opened in the interest of your marriage or\nfamily.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your Credit Card, and you have tried in good faith to correct the\n\n3\n\n\x0cTRUSTONE FINANCIAL VISA SIGNATURE\nCARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE\nproblem with the merchant, you may have the right not to pay the remaining\namount 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\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your Credit\nCard Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\n\xe2\x80\xa2 TruStone Financial, PO Box 1260 Minneapolis, MN 55440-1260\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you own an amount and you do not pay,\nwe may report you as delinquent.\n25. Liability For Unauthorized Use\nIf you notice the loss or theft of your Credit Card or a possible unauthorized\nuse of your Card you should write to us immediately at: TruStone Financial\nPO Box 1260 Minneapolis, MN 55440-1260 or call us at (800) 862.1998. You\nwill not be liable for unauthorized use that occurs after you notify us of the\nloss, theft or possible unauthorized use unless you were grossly negligent in\nthe handling of your Account or Card. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your\nliability will not exceed $50 or the amount of unauthorized use, whichever is\nless. If unauthorized withdrawals are made using your card or card number\nyou may be required to sign a Claim of Fraud or Forgery form. You agree to\ncooperate in any investigation of unauthorized use.\n26. Copy Received\nYou acknowledge receipt of a copy of this Agreement.\n\n4\n\nEffective January 1, 2021\n\nM-132814\n\n\x0c'


b'Bellco Credit Union\nAccount Disclosure\nVisa\xc2\xae Platinum Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n9.50% to 21% based on creditworthiness.\n\nAPR for Balance Transfers\n\n21%\n\nAPR for Cash Advances\n\n21%\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances or balance\ntransfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer\nCash Advance\n\nNone\n\nEither $10 or 4% of the amount of each balance transfer, whichever is greater\n(maximum fee: $75)\nEither $10 or 4% of the amount of each cash advance, whichever is greater\n(maximum fee $75)\nUp to 1% of each transaction in U.S. dollars.\n\nForeign Transaction\nPenalty Fees\nLate Payment\nThe lesser of minimum payment due or $25.\nReturned Payment\n$10.\nOver the Limit Fee\nNone\nHow We Will Calculate Your Balance:\n\nSee\nyour account agreement for more details.\nExpedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.\nPeriodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate\nfor purchases will range from 0.0260% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE\nranging from 9.50% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage\nrate of 21%. Balance transfers will be considered a cash advance and will accrue interest like a cash advance. Balance transfers\nwill be referred to as cash advance for purposes of this disclosure.\nEffective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\n\x0c'


b'Bellco Credit Union\nAccount Disclosure\nVisa\xc2\xae Signature Cash Back Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR for the first six months on purchases. After that, the Standard APR\nwill range from 11.50% to 21% based on creditworthiness.\n\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate.\n3.99% Introductory APR for the first 12 months on any balance transfers that occur within\nthe first 90 days of account opening. After that, the Standard APR will be 21%.\n\nAPR for Cash Advances\n\n21%\n\nPenalty APR\n\nNone\n\nPaying Interest\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\nwill begin charging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit Card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2\n\nCash Advance\n\n\xe2\x80\xa2\n\nForeign Transaction\n\n$0 For The First Year, Then $25 Thereafter.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n$0 fee on transfers made within 90 days of account opening, After that, either $10 or\n4% of the amount of each balance transfer, whichever is greater (maximum fee: $75)\nEither $10 or 4% of the amount of each cash advance, whichever is greater\n(maximum fee $75)\nUp to 1% of each transaction in U.S. dollars.\n\n\xe2\x80\xa2\nPenalty Fees\n\xe2\x80\xa2 Late Payment\nThe lesser of minimum payment due or $25.\n\xe2\x80\xa2 Returned Payment\n$10.\n\xe2\x80\xa2 Over the Limit Fee\nNone\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nagreement for more details.\nExpedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.\nLoss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you\nmake a late payment.\nCash Back: 1.5% of Purchases will be paid back to the Member in the form of a (Statement Credit?). Cash Back will be paid once\nmonthly in increments of $25 as earned. \xe2\x80\x9dPurchases\xe2\x80\x9d do not include balance transfers; cash advances; quasi-cash transactions such\nas traveler\xe2\x80\x99s checks, foreign currency, gift cards or money orders; returned merchandise; ATM transactions; any checks that access\nyour account; overdraft advances; earned interest; unauthorized or fraudulent charges; betting that includes lottery tickets, casino\ngaming chips, off-track betting and wager; or fees of any kind, including an annual fee, if applicable. To be eligible for Cash Back,\naccount must be open and must be in good standing at the time of fulfillment.\nPeriodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate for\npurchases will range from 0.0314% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from\n11.50% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%.\nBalance transfers will be considered purchases and will have the same periodic rate and corresponding annual percentage rate as\npurchases. Balance transfers will be referred to as Cash Advances for purposes of this disclosure.\nEffective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\n\x0c'


b'Bellco Credit Union\nAccount Disclosure\nVisa\xc2\xae Platinum Colorado Rewards Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR for the first six months on purchases. After that, the Standard APR\nwill range from 11.50% to 21% based on creditworthiness.\n\nAPR for Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate.\n3.99% Introductory APR for the first 12 months on any balance transfers that occur within\nthe first 90 days of account opening. After that, the Standard APR will be 21%.\n\nAPR for Cash Advances\n\n21%\n\nPenalty APR\n\nNone\n\nPaying Interest\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\nwill begin charging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit Card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer\nCash Advance\n\nNone\n$0 fee on transfers made within 90 days of account opening, After that, either $10 or 4% of\nthe amount of each balance transfer, whichever is greater (maximum fee: $75)\nEither $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee\n$75)\nUp to 1% of each transaction in U.S. dollars.\n\nForeign Transaction\nPenalty Fees\nLate Payment\nThe lesser of minimum payment due or $25.\nReturned Payment\n$10.\nOver the Limit Fee\nNone\nHow We Will Calculate Your Balance:\n\nSee your account\n\nagreement for more details.\n\nExpedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.\nLoss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late\npayment.\n\nEarn 15,000 Bonus Points: After you spend $500 or more on purchases in the first 90 days from account opening.\nbalance transfers; cash advances; quasi-cash transactions such as\ngift cards or money orders; returned\nmerchandise; ATM transactions; any checks that access your account; overdraft advances; earned interest; unauthorized or fraudulent charges;\nbetting that includes lottery tickets, casino gaming chips, off-track betting and wager; or fees of any kind, including an annual fee, if applicable.\nBonus points will be added to your rewards points balance within 8 weeks from the end of the 90-day promotion. To be eligible for this bonus\noffer, account must be open and not in default at the time of fulfillment.\nPeriodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate for purchases will\nrange from 0.0314% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 11.50% to 21%. The periodic\nrate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%. Balance transfers will be considered a cash\nadvance and will accrue interest like a cash advance. Balance transfers will be referred to as cash advance for purposes of this disclosure.\nEffective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0c'


b'Bellco Credit Union\nAccount Disclosure\nVisa\xc2\xae Platinum Colorado Rewards Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n11.50% to 21% based on creditworthiness.\n\nAPR for Balance Transfers\n\n21%\n\nAPR for Cash Advances\n\n21%\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances or balance\ntransfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer\nCash Advance\n\nNone\n\nEither $10 or 4% of the amount of each balance transfer, whichever is greater\n(maximum fee: $75)\nEither $10 or 4% of the amount of each cash advance, whichever is greater\n(maximum fee $75)\nUp to 1% of each transaction in U.S. dollars.\n\nForeign Transaction\nPenalty Fees\nLate Payment\nThe lesser of minimum payment due or $25.\nReturned Payment\n$10.\nOver the Limit Fee\nNone\nHow We Will Calculate Your Balance:\n\nSee\nyour account agreement for more details.\nExpedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.\nPeriodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate\nfor purchases will range from 0.0314% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE\nranging from 11.50% to 21%. The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage\nrate of 21%. Balance transfers will be considered a cash advance and will accrue interest like a cash advance. Balance transfers\nwill be referred to as cash advance for purposes of this disclosure.\nEffective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n\n\x0c'