b'Security Service Power Rewards Mastercard\xc2\xae\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n12.75% to 16.74% based on your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on purchases\nmade beginning with the next billing cycle.)\n\nAPR for Balance Transfers\n\n8.90% to 9.90% based on your creditworthiness.\nThese APRs are a fixed rate and will not vary with the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on new\nbalance transfers made beginning with the next billing cycle.)\n\nAPR for Cash Advances\n\n12.75% to 16.74% based on your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on new cash\nadvances made beginning with the next billing cycle.)\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 balance transfers and cash\nadvances on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for a credit card or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\n\nFees\nTransaction Fees\nBalance Transfer Fee\n\nUp to 2.00% with a $200 limit.\n\nCash Advance Fee\n\nUp to 2.00%.\n\nForeign Transaction Fee\n\nUp to 1.10%.\n\nPenalty Fees\nLate Payment\n\nUp to $25.\n\nReturned Payment\n\nUp to $20.\n\nHow we calculate your balance: We use the method called the average daily balance (including new\npurchases). This balance is figured by adding the outstanding balance (including new purchases and deducting\npayments and credits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Rewards Mastercard\xc2\xae\nAgreement and Disclosure Of Credit Card Terms\n1. Words Used Often in This Agreement. \xe2\x80\x9cAgreement\xe2\x80\x9d means this Security Service Federal Credit Union Credit Card\nAgreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Security Service Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the person who\nsigned an application for an account with us. If more than one person signed the application, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean\neach person who signed the application. \xe2\x80\x9cAccount\xe2\x80\x9d means your credit card account with us. \xe2\x80\x9cCard\xe2\x80\x9d means the credit\ncard issued to you for your account with us. If we issue more than one credit card to you, \xe2\x80\x9ccard\xe2\x80\x9d includes each credit\ncard issued to you. \xe2\x80\x9cATM\xe2\x80\x9d means automated teller machine.\n2. This Is Your Contract with Us. You have submitted an application for an account with us. By using or permitting\nanother to use your card(s), you are accepting the terms of this agreement and agreeing to keep all your promises to\nus contained in this agreement.\n3. Sign the Card and Keep This Agreement. You must sign the card before you use it. You should read this\nagreement and keep it for your records.\n4. Military Lending Act \xe2\x80\x93 Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nIn the event the Military Lending Act applies to an SSFCU product or service, then notwithstanding any other term or\ncondition in such product or service, such product or service insofar as it applies to the covered borrower, (1) shall not\ncontain any arbitration provision, (2) shall only be subject to setoff or cross-collateralization as is allowed by law, and\n(3) all legal notices shall be provided in accordance with the law of the applicable jurisdiction.\nIf you are a covered borrower under the Military Lending Act you are entitled by law to an oral disclosure of your loan\nterms. If you would like to hear that disclosure, please call 1-866-452-6945.\n5. Promise to Pay. You promise to pay us the amount of all purchases, cash advances and balance transfers that you\nmake using the card and all other charges, including the interest charge incurred under this agreement. Each use of\nthe card at an ATM to obtain cash is a cash advance. If you allow any person to use the card, you must pay for their\npurchases, cash advances, balance transfers and other charges, too.\n6. Promise to Pay Applies to All Applicants. If more than one person signed the application, each of you promises to\npay all amounts owed to us under this agreement. This means that we may collect money owed to us from each of\nyou or from all of you.\n7. Your Credit Limit. We will tell you the maximum amount you may owe us at any one time. That amount is your credit\nlimit. We may, in our sole discretion, allow additional borrowing if you are already up to your credit limit or if the\nborrowing would take you over your credit limit.\n8. Monthly Statement and Payments. We will send you a statement each month if your account has a balance. We will\nsend you one statement for all cards issued with your account number. If more than one person signed the\napplication, we will send the statement to the first person listed on the application. Each statement covers a billing\ncycle. A billing cycle is the number of days from the day after the \xe2\x80\x9cstatement date\xe2\x80\x9d on your last statement to the\n\xe2\x80\x9cstatement date\xe2\x80\x9d on your current statement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Rewards Mastercard\xc2\xae\nYour monthly statement will show your new balance, which is the total amount you owe us as of the statement date. It\nwill also show the minimum payment. Your minimum payment will be either $20.00 or 2% of the new balance,\nrounded up to the nearest dollar, whichever is greater. If your new balance is less than $20.00, your minimum\npayment will be the amount of the new balance. You must pay at least the minimum payment by the payment due\ndate shown on your statement. The payment due date for a billing period will be 25 days after the billing period ends.\nYou may pay the new balance in full or in part at any time. If you pay more than the minimum payment, you will still\nhave a minimum payment due on the next statement.\n9. Other Payment Terms. All your payments to us must be in U.S. dollars. All checks and other payment instruments or\nautomatic debits must be drawn on funds on deposit in the United States. We can accept partial or late payments, as\nwell as payments that are marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or any other similar language without losing any of our rights\nunder this agreement. Payments made to your account will be allocated in the following manner:\na. Unpaid interest charges\nb. Fees and penalties\nc. Balances with the highest APR\n10. Periodic Interest Rate Determination. Periodic Rates (Variable Rate). The Monthly Periodic Rate applied to the\nbalance subject to an interest charge for both purchases and cash advances will be a floating rate based upon an\nindex. However, regardless of the index value, the effective Annual Percentage Rate corresponding to the Monthly\nPeriodic Rate will never exceed EIGHTEEN PERCENT (18%), which is called the \xe2\x80\x9cMaximum Annual Percentage\nRate\xe2\x80\x9d.\na. The index used to calculate the periodic rate is the \xe2\x80\x9cprime rate\xe2\x80\x9d as published in the Money Rates table of the Wall\nStreet Journal. The index value used for a given billing cycle will be the value published on the last day of your\nprevious billing cycle. If the index is not published that day, the most recently published value before that day will\nbe used to determine the Monthly Periodic Rate. If more than one prime rate is published, the index will be the\nhighest rate published. If the Wall Street Journal ceases as a publication, we may use the prime rate published by\nany other newspaper or general circulation. If the Annual Percentage Rate increases, your periodic payment\namount may increase.\nb. Depending on your creditworthiness, we will add 9.50, 10.50, or 13.49 percentage points to the index value to get\nthe Annual Percentage Rate that will apply to your respective account for the next billing cycle. Then, the Annual\nPercentage Rate for the billing cycle will be divided by 12 to get the Monthly Periodic Rate for the billing cycle.\nc. In the event the effective Annual Percentage Rate for the billing cycle exceeds the Maximum Annual Percentage\nRate we will divide the appropriate Maximum rate by 12 to get the Monthly Periodic Rate for the billing cycle.\n11. When Interest Charge Is Imposed.\nCash Advances and Balance Transfers: There is no \xe2\x80\x9cfree period.\xe2\x80\x9d An interest charge will be imposed as of the date\nof each cash advance or balance transfer that you obtain through the use of your card and will continue to accrue until\nthe date of full payment and all billed interest charges have been credited to your account. Such interest will appear\non your next statement.\nRetail Purchases of Goods and Services: There is a \xe2\x80\x9cfree period.\xe2\x80\x9d When the total balance is paid in full within\ntwenty-five (25) days after the statement date (on or before the payment due date), no additional interest charge will\nbe applied to new purchases appearing on the statement. If the new balance is not paid in full each month, within the\nprescribed time limitation, an interest charge will be imposed on the previous balance and on new purchases as of the\ndate such purchase is posted to your account. Interest will continue to accrue until the date full payment of these\nitems and all billed interest has been credited to your account. Such interest charges will appear on your next\nstatement.\n12. How We Compute the Balance on which Interest Charges Are Assessed. If payment in full for the entire new\nbalance shown on your statement from the previous billing cycle was received by us within 25 days after the\nstatement date (by the payment due date), new charges appearing on the current statement are excluded from the\nfollowing calculation: We figure the interest charge on your account by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account (including current transactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning\nbalance of your account each day, add any new advances or purchases and subtract any payments or credits and\nany unpaid interest and fees. This gives us the daily balance. Then we add up all the daily balances for the billing\ncycle and divide by the total number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d is then multiplied by the periodic rate shown above to determine your periodic interest charge.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Rewards Mastercard\xc2\xae\n13. Foreign Transactions. If you use your card to purchase goods or services, or to obtain cash in another country, your\nstatement will reflect the conversion of the foreign currency transaction amount into U.S. dollars. The currency\nconversion rate used to determine the transaction amount into U.S. dollars may be either a wholesale market rate or\ngovernment-mandated rate in effect the day Mastercard\xc2\xae processes the transaction, which may differ from the date\nthe transaction occurred or when it is posted to the cardholder\xe2\x80\x99s account.\n14. Liability for Unauthorized Use. You must tell us at once if the card is lost or stolen or you think someone used your\naccount without your permission. We may ask you to pay if someone used the card without your permission. We will\nnot ask you to pay if use of the card without your permission occurs after you notify us that the card is lost or stolen.\nYou may notify us that the card is lost or stolen by calling 1-888-421-4999. Your liability for unauthorized use will not\nexceed $50.\n15. Address for Notices to Us. All notices under this agreement should be addressed to Security Service Federal Credit\nUnion, Box 691550, San Antonio, Texas 78269-1550; Telephone 1-888-421-4999.\n16. Consent to Receive Communications. As allowed by law, we, including our agents and assigns, may try to contact\nyou at any mailing address, e-mail address, or telephone number you provide to us now and in the future. This\nincludes trying to contact you in writing, including mail and e-mail, by text messages and by telephone using an\nautomatic telephone dialing system, pre-recorded voice, or artificial voice.\n17. Changes in the Terms of This Agreement. We may change the terms of this agreement by mailing a written notice\nto the physical or electronic address shown on our record for this account. Notices will be provided in accordance with\napplicable law. Changes will take effect and become binding as of the effective date identified on the notification.\n18. You May Cancel the Account. You may cancel the account whenever you choose. To cancel the account, notify us\nat the address shown in paragraph 15 in writing that you want to cancel the account. You must still pay us any amount\nthat you owe us.\n19. We May Cancel the Account. We have the right to cancel the account at any time. You must return the card if we\nask you to do so. You may not use the card after we have cancelled the account.\n20. If You Do Not Pay Us. If you do not pay us the minimum payment due on or before the payment due date, or if you\nfail to meet any other obligations to us under this Agreement, or if the credit privileges under the Account are misused\nor used fraudulently, or if any representation in the information regarding your financial affairs you provide to us for the\nAccount proves to be false, or if you become the subject of any bankruptcy or similar proceeding, or if you die, we,\nwithout advance notice, can close your Account and declare the entire Account balance due and payable immediately\nunless such action is precluded by state law. You waive demand, presentment, notice of intent to accelerate and\nnotice of acceleration. If you do not pay us as agreed, you agree to pay the reasonable collection costs, including any\ncourt costs and reasonable attorney fees we incur in enforcing the Agreement.\n21. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\n22. Attorney Fees. If we refer your account to an attorney for collection, we may charge you (in states where permitted\nby law) for reasonable attorney fees and court costs incurred by us. This paragraph will not be considered a part of\nthis agreement if you live in a state that does not allow us to collect attorney fees and court costs.\n23. The Provisions of This Agreement Are Separable. If any provision of this agreement is held to be invalid or\nunenforceable, the rest of this agreement will not be affected.\n24. Limitation of Our Responsibility. We will not be responsible for merchandise or services purchased by you with the\ncard unless required by law. We will not be responsible for the refusal of any person to honor the card or if you are\nnot able to use the card at an ATM.\n25. Assignment of Your Account. We may assign your account without obtaining your consent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Rewards Mastercard\xc2\xae\n26. What Law Applies. Texas law, federal law, and other applicable state laws will govern this agreement. These laws\nwill be used to interpret our rights and your obligations under this agreement.\n27. Credit Reporting Agencies. We may give information about your payment history under this agreement to other\npersons or companies when permitted by law. You authorize us to make whatever credit or investigative inquiries we\ndeem necessary in the course of review of any credit extended under this agreement. If you ask us, we will tell you\nwhether we asked for credit reports about you. If we did, we will give you the name and address of the credit-reporting\nagency.\n28. Automatic Billing Updater (ABU). SSFCU subscribes to the Mastercard\xc2\xae Automatic Biller Updater program and\nSSFCU provides updated card information to the Service. Merchants who may participate in the Automatic Billing\nUpdater program will receive updated cardholder information for recurring card transactions. Information such as your\nexpiration date, card number (if the original card was lost/stolen/transferred) and closed card notifications are updated\nwith this service and communicated directly to participating merchants with whom you have recurring payments. To\nensure your payments continue uninterrupted, we recommend you continue to notify each merchant of any card\nchanges since all merchants do not subscribe to this service.\n29. Internet Gambling Disclosure. You may use your Security Service Federal Credit Union Mastercard\xc2\xae, hereinafter\nreferred to as \xe2\x80\x9ccard,\xe2\x80\x9d to conduct any transaction or obtain any credit union service permitted by law. Your Security\nService Federal Credit Union credit card may not be used for Internet gambling transactions. The credit union will\ndecline ALL KNOWN Internet gambling transaction requests. The credit union may also decline ALL transactions with\na mismatched expiration date and transactions that are hand-keyed if the hand-keyed transaction is for any type of\nbetting, including lottery tickets, casino gaming chips, off-track betting, and wagers. You agree that the use of the card\nto obtain a service or effect a transaction that is illegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this agreement where originated, effected, paid, or accomplished. As a\nresult, Security Service Federal Credit Union may terminate the access to the service or withdraw the right to use the\ncard and/or demand the return of all cards or other access devices issued to you. If illegal use of your card occurs,\nyou waive the right to sue Security Service Federal Credit Union and agree to indemnify and hold Security Service\nFederal Credit Union harmless from any suits or other legal action or liability which may be asserted directly or\nindirectly, against Security Service Federal Credit Union arising out of or resulting from the illegal use of this card.\n30. Arbitration. To the extent allowed by law, any claim, dispute, or controversy (whether in contract, tort, or otherwise)\narising from or relating to this agreement or the relationships which result from this agreement, including the validity or\nenforceability of this arbitration clause or any part thereof or the entire agreement (\xe2\x80\x9cclaim\xe2\x80\x9d) shall be resolved, upon the\nelection of you or us, by binding arbitration pursuant to this arbitration provision and the Code of Procedure of the\nNational Arbitration Forum in effect at the time the claim is filed. THE PARTIES ACKNOWLEDGE THAT THEY\nAGREE TO RESOLVE ANY CLAIMS THROUGH ARBITRATION, AND THAT THEY HEREBY WAIVE THEIR\nRIGHTS TO LITIGATE CLAIMS IN A COURT UPON THE ELECTION OF ARBITRATION BY EITHER PARTY.\n31. Other Agreements. This agreement supersedes all prior credit card agreements between you and us governing the\nuse of cards issued by us.\n32. Notices. You may pay the full amount you owe us at any time. A negative credit report reflecting on your credit record\nmay be submitted to a credit-reporting agency if you fail to keep your promises under this agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Rewards Mastercard\xc2\xae\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and 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: Security Service Federal Credit Union, P.O. Box 691550,\nSan Antonio, Texas 78269-1550. In 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 is wrong and why you\nbelieve 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 payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\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 interest on that\namount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of 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 fees related to that\namount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na 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 at: Security Service\nFederal Credit Union, P.O. Box 691550, San Antonio, Texas 78269-1550. While we investigate, the same rules apply to\nthe disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0c'


b'Security Service Power Cash Back World Mastercard\xc2\xae\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n11.70% to 16.74% based on your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on purchases\nmade beginning with the next billing cycle).\n\nAPR for Balance Transfers\n\n8.90% to 9.90% based on your creditworthiness.\nThese APRs are a fixed rate and will not vary with the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on new\nbalance transfers made beginning with the next billing cycle).\n\nAPR for Cash Advances\n\n11.70% to 16.74% based on your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n(For upgraded existing SSFCU credit cards, the rate will be effective on new cash\nadvances made beginning with the next billing cycle).\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 balance transfers and cash\nadvances on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for a credit card or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\n\nFees\nTransaction Fees\nBalance Transfer Fee\n\nUp to 2.00% with a $200 limit.\n\nCash Advance Fee\n\nUp to 2.00%.\n\nForeign Transaction Fee\n\nUp to 1.10%.\n\nPenalty Fees\nLate Payment\n\nUp to $25.\n\nReturned Payment\n\nUp to $20.\n\nHow we calculate your balance: We use the method called the average daily balance (including new purchases).\nThis balance is figured by adding the outstanding balance (including new purchases and deducting payments and\ncredits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Cash Back World Mastercard\xc2\xae\nAgreement and Disclosure Of Credit Card Terms\n1. Words Used Often in This Agreement. \xe2\x80\x9cAgreement\xe2\x80\x9d means this Security Service Federal Credit Union Credit Card\nAgreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Security Service Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the person who\nsigned an application for an account with us. If more than one person signed the application, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean\neach person who signed the application. \xe2\x80\x9cAccount\xe2\x80\x9d means your credit card account with us. \xe2\x80\x9cCard\xe2\x80\x9d means the credit\ncard issued to you for your account with us. If we issue more than one credit card to you, \xe2\x80\x9ccard\xe2\x80\x9d includes each credit\ncard issued to you. \xe2\x80\x9cATM\xe2\x80\x9d means automated teller machine.\n2. This Is Your Contract with Us. You have submitted an application for an account with us. By using or permitting\nanother to use your card(s), you are accepting the terms of this agreement and agreeing to keep all your promises to\nus contained in this agreement.\n3. Sign the Card and Keep This Agreement. You must sign the card before you use it. You should read this\nagreement and keep it for your records.\n4. Military Lending Act \xe2\x80\x93 Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nIn the event the Military Lending Act applies to an SSFCU product or service, then notwithstanding any other term or\ncondition in such product or service, such product or service insofar as it applies to the covered borrower, (1) shall not\ncontain any arbitration provision, (2) shall only be subject to setoff or cross-collateralization as is allowed by law, and\n(3) all legal notices shall be provided in accordance with the law of the applicable jurisdiction.\nIf you are a covered borrower under the Military Lending Act you are entitled by law to an oral disclosure of your loan\nterms. If you would like to hear that disclosure, please call 1-866-452-6945.\n5. Promise to Pay. You promise to pay us the amount of all purchases, cash advances and balance transfers that you\nmake using the card and all other charges, including the interest charge incurred under this agreement. Each use of\nthe card at an ATM to obtain cash is a cash advance. If you allow any person to use the card, you must pay for their\npurchases, cash advances, balance transfers and other charges, too.\n6. Promise to Pay Applies to All Applicants. If more than one person signed the application, each of you promises to\npay all amounts owed to us under this agreement. This means that we may collect money owed to us from each of\nyou or from all of you.\n7. Your Credit Limit. We will tell you the maximum amount you may owe us at any one time. That amount is your credit\nlimit. We may, in our sole discretion, allow additional borrowing if you are already up to your credit limit or if the\nborrowing would take you over your credit limit.\n8. Monthly Statement and Payments. We will send you a statement each month if your account has a balance. We will\nsend you one statement for all cards issued with your account number. If more than one person signed the\napplication, we will send the statement to the first person listed on the application. Each statement covers a billing\ncycle. A billing cycle is the number of days from the day after the \xe2\x80\x9cstatement date\xe2\x80\x9d on your last statement to the\n\xe2\x80\x9cstatement date\xe2\x80\x9d on your current statement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Cash Back World Mastercard\xc2\xae\nYour monthly statement will show your new balance, which is the total amount you owe us as of the statement date. It\nwill also show the minimum payment. Your minimum payment will be either $20.00 or 2% of the new balance,\nrounded up to the nearest dollar, whichever is greater. If your new balance is less than $20.00, your minimum\npayment will be the amount of the new balance. You must pay at least the minimum payment by the payment due\ndate shown on your statement. The payment due date for a billing period will be 25 days after the billing period ends.\nYou may pay the new balance in full or in part at any time. If you pay more than the minimum payment, you will still\nhave a minimum payment due on the next statement.\n9. Other Payment Terms. All your payments to us must be in U.S. dollars. All checks and other payment instruments or\nautomatic debits must be drawn on funds on deposit in the United States. We can accept partial or late payments, as\nwell as payments that are marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or any other similar language without losing any of our rights\nunder this agreement. Payments made to your account will be allocated in the following manner:\na. Unpaid interest charges\nb. Fees and penalties\nc. Balances with the highest APR\n10. Periodic Interest Rate Determination. Periodic Rates (Variable Rate). The Monthly Periodic Rate applied to the\nbalance subject to an interest charge for both purchases and cash advances will be a floating rate based upon an\nindex. However, regardless of the index value, the effective Annual Percentage Rate corresponding to the Monthly\nPeriodic Rate will never exceed EIGHTEEN PERCENT (18%), which is called the \xe2\x80\x9cMaximum Annual Percentage\nRate\xe2\x80\x9d.\na. The index used to calculate the periodic rate is the \xe2\x80\x9cprime rate\xe2\x80\x9d as published in the Money Rates table of the Wall\nStreet Journal. The index value used for a given billing cycle will be the value published on the last day of your\nprevious billing cycle. If the index is not published that day, the most recently published value before that day will\nbe used to determine the Monthly Periodic Rate. If more than one prime rate is published, the index will be the\nhighest rate published. If the Wall Street Journal ceases as a publication, we may use the prime rate published by\nany other newspaper or general circulation. If the Annual Percentage Rate increases, your periodic payment\namount may increase.\nb. Depending on your creditworthiness, we will add 8.45, 10.45, or 13.49 percentage points to the index value to get\nthe Annual Percentage Rate that will apply to your respective account for the next billing cycle. Then, the Annual\nPercentage Rate for the billing cycle will be divided by 12 to get the Monthly Periodic Rate for the billing cycle.\nc. In the event the effective Annual Percentage Rate for the billing cycle exceeds the Maximum Annual Percentage\nRate we will divide the appropriate Maximum rate by 12 to get the Monthly Periodic Rate for the billing cycle.\n11. When Interest Charge Is Imposed.\nCash Advances and Balance Transfers: There is no \xe2\x80\x9cfree period.\xe2\x80\x9d An interest charge will be imposed as of the date\nof each cash advance or balance transfer that you obtain through the use of your card and will continue to accrue until\nthe date of full payment and all billed interest charges have been credited to your account. Such interest will appear\non your next statement.\nRetail Purchases of Goods and Services: There is a \xe2\x80\x9cfree period.\xe2\x80\x9d When the total balance is paid in full within\ntwenty-five (25) days after the statement date (on or before the payment due date), no additional interest charge will\nbe applied to new purchases appearing on the statement. If the new balance is not paid in full each month, within the\nprescribed time limitation, an interest charge will be imposed on the previous balance and on new purchases as of the\ndate such purchase is posted to your account. Interest will continue to accrue until the date full payment of these\nitems and all billed interest has been credited to your account. Such interest charges will appear on your next\nstatement.\n12. How We Compute the Balance on which Interest Charges Are Assessed. If payment in full for the entire new\nbalance shown on your statement from the previous billing cycle was received by us within 25 days after the\nstatement date (by the payment due date), new charges appearing on the current statement are excluded from the\nfollowing calculation: We figure the interest charge on your account by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account (including current transactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning\nbalance of your account each day, add any new advances or purchases and subtract any payments or credits and\nany unpaid interest and fees. This gives us the daily balance. Then we add up all the daily balances for the billing\ncycle and divide by the total number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d is then multiplied by the periodic rate shown above to determine your periodic interest charge.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Cash Back World Mastercard\xc2\xae\n13. Foreign Transactions. If you use your card to purchase goods or services, or to obtain cash in another country, your\nstatement will reflect the conversion of the foreign currency transaction amount into U.S. dollars. The currency\nconversion rate used to determine the transaction amount into U.S. dollars may be either a wholesale market rate or\ngovernment-mandated rate in effect the day Mastercard\xc2\xae processes the transaction, which may differ from the date\nthe transaction occurred or when it is posted to the cardholder\xe2\x80\x99s account.\n14. Liability for Unauthorized Use. You must tell us at once if the card is lost or stolen or you think someone used your\naccount without your permission. We may ask you to pay if someone used the card without your permission. We will\nnot ask you to pay if use of the card without your permission occurs after you notify us that the card is lost or stolen.\nYou may notify us that the card is lost or stolen by calling 1-888-421-4999. Your liability for unauthorized use will not\nexceed $50.\n15. Address for Notices to Us. All notices under this agreement should be addressed to Security Service Federal Credit\nUnion, Box 691550, San Antonio, Texas 78269-1550; Telephone 1-888-421-4999.\n16. Consent to Receive Communications. As allowed by law, we, including our agents and assigns, may try to contact\nyou at any mailing address, e-mail address, or telephone number you provide to us now and in the future. This\nincludes trying to contact you in writing, including mail and e-mail, by text messages and by telephone using an\nautomatic telephone dialing system, pre-recorded voice, or artificial voice.\n17. Changes in the Terms of This Agreement. We may change the terms of this agreement by mailing a written notice\nto the physical or electronic address shown on our record for this account. Notices will be provided in accordance with\napplicable law. Changes will take effect and become binding as of the effective date identified on the notification.\n18. You May Cancel the Account. You may cancel the account whenever you choose. To cancel the account, notify us\nat the address shown in paragraph 15 in writing that you want to cancel the account. You must still pay us any amount\nthat you owe us.\n19. We May Cancel the Account. We have the right to cancel the account at any time. You must return the card if we\nask you to do so. You may not use the card after we have cancelled the account.\n20. If You Do Not Pay Us. If you do not pay us the minimum payment due on or before the payment due date, or if you\nfail to meet any other obligations to us under this Agreement, or if the credit privileges under the Account are misused\nor used fraudulently, or if any representation in the information regarding your financial affairs you provide to us for the\nAccount proves to be false, or if you become the subject of any bankruptcy or similar proceeding, or if you die, we,\nwithout advance notice, can close your Account and declare the entire Account balance due and payable immediately\nunless such action is precluded by state law. You waive demand, presentment, notice of intent to accelerate and\nnotice of acceleration. If you do not pay us as agreed, you agree to pay the reasonable collection costs, including any\ncourt costs and reasonable attorney fees we incur in enforcing the Agreement.\n21. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\n22. Attorney Fees. If we refer your account to an attorney for collection, we may charge you (in states where permitted\nby law) for reasonable attorney fees and court costs incurred by us. This paragraph will not be considered a part of\nthis agreement if you live in a state that does not allow us to collect attorney fees and court costs.\n23. The Provisions of This Agreement Are Separable. If any provision of this agreement is held to be invalid or\nunenforceable, the rest of this agreement will not be affected.\n24. Limitation of Our Responsibility. We will not be responsible for merchandise or services purchased by you with the\ncard unless required by law. We will not be responsible for the refusal of any person to honor the card or if you are\nnot able to use the card at an ATM.\n25. Assignment of Your Account. We may assign your account without obtaining your consent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Cash Back World Mastercard\xc2\xae\n26. What Law Applies. Texas law, federal law, and other applicable state laws will govern this agreement. These laws\nwill be used to interpret our rights and your obligations under this agreement.\n27. Credit Reporting Agencies. We may give information about your payment history under this agreement to other\npersons or companies when permitted by law. You authorize us to make whatever credit or investigative inquiries we\ndeem necessary in the course of review of any credit extended under this agreement. If you ask us, we will tell you\nwhether we asked for credit reports about you. If we did, we will give you the name and address of the credit-reporting\nagency.\n28. Automatic Billing Updater (ABU). SSFCU subscribes to the Mastercard\xc2\xae Automatic Biller Updater program and\nSSFCU provides updated card information to the Service. Merchants who may participate in the Automatic Billing\nUpdater program will receive updated cardholder information for recurring card transactions. Information such as your\nexpiration date, card number (if the original card was lost/stolen/transferred) and closed card notifications are updated\nwith this service and communicated directly to participating merchants with whom you have recurring payments. To\nensure your payments continue uninterrupted, we recommend you continue to notify each merchant of any card\nchanges since all merchants do not subscribe to this service.\n29. Internet Gambling Disclosure. You may use your Security Service Federal Credit Union Mastercard\xc2\xae, hereinafter\nreferred to as \xe2\x80\x9ccard,\xe2\x80\x9d to conduct any transaction or obtain any credit union service permitted by law. Your Security\nService Federal Credit Union credit card may not be used for Internet gambling transactions. The credit union will\ndecline ALL KNOWN Internet gambling transaction requests. The credit union may also decline ALL transactions with\na mismatched expiration date and transactions that are hand-keyed if the hand-keyed transaction is for any type of\nbetting, including lottery tickets, casino gaming chips, off-track betting, and wagers. You agree that the use of the card\nto obtain a service or effect a transaction that is illegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this agreement where originated, effected, paid, or accomplished. As a\nresult, Security Service Federal Credit Union may terminate the access to the service or withdraw the right to use the\ncard and/or demand the return of all cards or other access devices issued to you. If illegal use of your card occurs,\nyou waive the right to sue Security Service Federal Credit Union and agree to indemnify and hold Security Service\nFederal Credit Union harmless from any suits or other legal action or liability which may be asserted directly or\nindirectly, against Security Service Federal Credit Union arising out of or resulting from the illegal use of this card.\n30. Arbitration. To the extent allowed by law, any claim, dispute, or controversy (whether in contract, tort, or otherwise)\narising from or relating to this agreement or the relationships which result from this agreement, including the validity or\nenforceability of this arbitration clause or any part thereof or the entire agreement (\xe2\x80\x9cclaim\xe2\x80\x9d) shall be resolved, upon the\nelection of you or us, by binding arbitration pursuant to this arbitration provision and the Code of Procedure of the\nNational Arbitration Forum in effect at the time the claim is filed. THE PARTIES ACKNOWLEDGE THAT THEY\nAGREE TO RESOLVE ANY CLAIMS THROUGH ARBITRATION, AND THAT THEY HEREBY WAIVE THEIR\nRIGHTS TO LITIGATE CLAIMS IN A COURT UPON THE ELECTION OF ARBITRATION BY EITHER PARTY.\n31. Other Agreements. This agreement supersedes all prior credit card agreements between you and us governing the\nuse of cards issued by us.\n32. Notices. You may pay the full amount you owe us at any time. A negative credit report reflecting on your credit record\nmay be submitted to a credit-reporting agency if you fail to keep your promises under this agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Cash Back World Mastercard\xc2\xae\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and 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: Security Service Federal Credit Union, P.O. Box 691550,\nSan Antonio, Texas 78269-1550. In 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 is wrong and why you\nbelieve 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 payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\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 interest on that\namount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of 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 fees related to that\namount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na 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 at: Security Service\nFederal Credit Union, P.O. Box 691550, San Antonio, Texas 78269-1550. While we investigate, the same rules apply to\nthe disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0c'


b'TwinStar Credit Union\n\nCREDIT CARD AGREEMENT\n\nPO Box 718\nOlympia, WA 98507-718\n800.258.3115\nwww.twinstarcu.com\n\nACCOUNT NUMBER\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TWINSTAR CREDIT UNION OR ITS SUCCESSORS.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU GRANT US A SECURITY INTEREST UNDER THE WASHINGTON\nUNIFORM COMMERCIAL CODE FOR ANY GOODS PURCHASED.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, all collateral securing such loans now and\nin the future will also secure your obligations under this Agreement, unless\nthat other collateral is your principal residence or non-purchase money\nhousehold goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum cash advance credit limit. You agree not to present your Card or\nobtain a cash advance for any extension of credit in excess of your available\ncash advance credit limit; however, if you do exceed your credit limit, you\nagree to make immediate payment sufficient to bring the balance below the\ncredit limit. Certain purchases and cash advances require authorization prior\nto completion of the transaction. In some cases, you may be asked to provide\nidentification. If our system is not working, we may not be able to authorize a\ntransaction, even though you have sufficient credit available. Also, for security\nreasons, we may block the use of your Card in certain countries or geographic\nareas. We will have no liability to you or others if any of these events occur.\nYou may transfer a balance from an existing credit card account to your\nTwinStar credit card. Balances owed on other types of loans may not be\napplied as a balance transfer.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\n\n9011 LASER FI17352 Rev 6-2020\n\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. If you do not pay the new\nbalance for purchases within the grace period, your interest charge will accrue\non any unpaid purchase transactions from the first day of the billing period in\nwhich the payment is due. You cannot avoid Interest Charges on cash\nadvances and balance transfers; even if you pay the entire cash advance\nbalance or balance transfer balance by the payment due date, you will incur\nthe Interest Charges accrued from the date the cash advance or balance\ntransfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (360) 357-9911. You agree to follow up your call\nwith notice in writing to us at: TwinStar Credit Union, PO Box 718, Olympia,\nWA 98507-718. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information relating to any loss, theft or\npossible unauthorized use of your Card and comply with such procedures as\nwe may require in connection with our investigation. The zero liability will\napply provided you are not negligent or fraudulent in handling your card;\notherwise your liability for unauthorized credit card transactions shall not\nexceed $50.00.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS TWINSTAR CREDIT UNION OR ITS SUCCESSORS.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a purchase to your account. We\ndo not have to pay any item which would cause the outstanding balance in\nyour account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or prepayments\nwill not delay your next scheduled payment - you will still need to make the\nminimum scheduled payment by the next scheduled due date to keep your\naccount current. We may accept late payments, partial payments, checks or\nmoney orders marked "payment in full" and such action shall not constitute final\nsettlement of your account or a waiver or forgiveness of any amounts owing\nunder this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement if\nwe delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a credit\nslip which will be posted to your account. If your credits and payments exceed\nwhat you owe us, the amount will be applied against future purchases and cash\nadvances. If the credit balance amount is $1 or more, it will be refunded upon\nyour written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not responsible\nfor goods or services that you purchase with the Card unless: (a) your purchase\nwas made in response to an advertisement we sent or participated in sending\nyou; or (b) your purchase cost more than $50 and was made from a plan\nmerchant in your state or within 100 miles of your home; and only if you have\nmade a good faith attempt, but have been unable to obtain satisfaction from the\nplan merchant. You must resolve all other disputes directly with the plan\nmerchant. We do not warrant any merchandise or services purchased by you\nwith the Card.\nStatements and Notices. If your outstanding balance exceeds $1, statements\nand notices will be mailed to you at the most recent postal address or e-mail\naddress (if you have elected to receive such documents via electronic means)\nyou have given us. Notice sent to any one of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need\nto be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and state\nlaw in the state in which we are primarily located, and the venue shall be located\nin the county and state in which we are primarily located. Operating regulations\nof Visa may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit or\nother slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between you and the Credit Union. This written agreement\nmay not be contradicted by evidence of any oral agreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\n9011 LASER FI17352 Rev 6-2020\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-235-8946 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nBy signing below, I agree to the terms on pages 1-3.\nBORROWER\'S SIGNATURE\n\nX\n9011 LASER FI17352 Rev 6-2020\n\nDATE\n\nCO-BORROWER\'S SIGNATURE\n\nDATE\n\nX\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'TwinStar Credit Union\nVISA Credit Card Application Disclosures\nVISA \xe2\x80\x93 Rates & Fees\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.9%\n\nintroductory period for 6 months on Platinum; Platinum\nRewards; and Classic accounts.\n\n9.00% \xe2\x80\x93 11.00%\n\nAfter that your APR will be\nbased on the\nVisa account type and credit limit. This APR will vary with the market\nbased on the Prime Rate.\nAPR for Balance Transfers\n\n6.00% \xe2\x80\x93 8.00% When you open your account, based on the Visa account\ntype and credit limit. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\n12.00% \xe2\x80\x93 14.00% When you open your account, based on the Visa\naccount type and credit limit. The APR will vary with the market based on\nthe Prime Rate.\n\nPenalty APR\n\n18.00% - This APR may be applied when your minimum monthly payment\nis more than 60 days late.\nHow long will the Penalty apply? If your APR is increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 21 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the Grace Period End due date each month.\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\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore.\nFEES\n\nAnnual Fee\n\n$25 for Platinum Rewards VISA\nNone for Platinum or Classic VISA\n\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction Fee\n\nUp to 2% of the U.S. dollar amount of the foreign transaction or $0.25\nwhichever is greater.\n\nPenalty Fees\n\xef\x82\xb7\n\nLate Payment Fee\n\n\xef\x82\xb7\n\nReturned Check Fee\n\n$20\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late\npayment.\nBalance Transfers: Only balances transferred from an existing credit card account to your TwinStar credit card\naccount will qualify as a Balance Transfer. Balances from other types of loans may not be applied to your TwinStar\ncredit card account as a Balance Transfer and the Cash Advance APR will apply to such transfers.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement\nWe reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are\ncurrent as of March 10, 2021.\n\n\x0c'


b'BUFF ONE VISA\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n\n13.99%\nF2\nThis APR will vary with the market based on the Prime Rate.\n13.99%\nF3\nThis APR will vary with the market based on the Prime Rate.\n15.99%\nF4\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nF5\n\n3.00%\nF6\nof the amount of each balance transfer (Maximum Fee: $200.00\nF7\n)\n1.00%\nF8\nof each multiple currency transaction in U.S. dollars\n0.80%\nF9\nof each single currency transaction in U.S. dollars\nUp to $15.00\nF10\nUp to $35.00\nF11\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (excluding new purchases).\xe2\x80\x9d\nEffective Date:\nSeptember 23, 2014 .\nThe information about the costs of the card described in this application is accurate as of F12\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nOver-the-Credit Limit Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF13\n$15.00 or the amount of the required minimum payment, whichever\nis less, if you are ten or more days late in making a payment.\nF14\n$25.00 or the amount of the transaction exceeding your approved\ncredit limit, whichever is less. In the event you exceed your credit limit\nin the same or in any of the six billing cycles following the initial\nviolation, you will be charged $35.00\nF15\nor the amount of the transaction\nexceeding your approved credit limit, whichever is less.\n\n10501861-MXC40-P-1-090414 (MXC403 CCM003)-e\n\n\x0c'


b'9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\n(734) 525-0700\n\nR AT E S\n\nAPY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 8/1/2021. Rates subject to change at any time without notice. Fees may\nreduce earnings.\n\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\xee\xa4\x8c\n\xee\xa4\x8f\n\nPRODUCT PACKAGES AND DEPOSIT RATES\n\nSavings Account (/accounts/personal-savings/share-savings-account.html)\nBalance to Earn Dividends\n\n$500\n\nAPY\n\n0.05%\n\nCompounded\n\nMonthly\n\nPremier - Checking (/accounts/personal-checking/premier-consumer-checking.html)\nBalance to Earn Dividends\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n$500\n1/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nAPY\n\n0.03%\n\nCompounded\n\nMonthly\n\nElite - Checking (/accounts/personal-checking/elite-consumer-checking.html)\nBalance to Earn Dividends\n\n$1,000\n\nAPY\n\n0.05%\n\nCompounded\n\nMonthly\n\nExclusive - Checking (/accounts/personal-checking/exclusive-consumer-checking.html)\nBalance to Earn Dividends\n\n$2,500\n\nAPY\n\n0.18%\n\nCompounded\n\nMonthly\n\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\xee\xa4\x8c\n\xee\xa4\x8f\n\nHoliday Club (/accounts/personal-savings/holiday-club-account.html)\nBalance to Earn Dividends\n\n$500\n\nAPY\n\n0.05%\n\nCompounded\n\nMonthly\n\nIRA (/accounts/personal-savings/individual-retirement-accounts-iras.html)\nBalance to Earn Dividends\n\n\xe2\x80\x93\n\nAPY\n\n0.05%\n\nCompounded\n\nMonthly\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n2/9\n\n\x0c9/1/2021\n\nMONEY MARKET\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nLEARN MORE\n\n\xef\x81\x94\n\n$0 - $1,999.99\nAPY\n\n0.05%\n\nCompounded\n\nMonthly\n\n$2,000 - $9,999.99\nAPY\n\n0.08%\n\nCompounded\n\nMonthly\n\n$10,000.00 - $24,999.99\nAPY\n\n0.10%\n\nCompounded\n\nMonthly\n\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\xee\xa4\x8c\n\xee\xa4\x8f\n\n$25,000.00 - $49,999.99\nAPY\n\n0.15%\n\nCompounded\n\nMonthly\n\n$50,000.00 - $99,999.99\nAPY\n\n0.18%\n\nCompounded\n\nMonthly\n\n$100,000.00+\nAPY\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n0.20%\n3/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nCompounded\n\nCERTIFICATES OF DEPOSIT\n\nMonthly\n\nLEARN MORE\n\n\xef\x81\x94\n\n3 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.10%\n\nCompounded\n\nMaturity\n\n6 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.15%\n\nCompounded\n\nMaturity\n\n\xee\xa4\x8c\n\xee\xa4\x8f\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\n12 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.30%\n\nCompounded\n\nQuarterly\n\n24 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.40%\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n4/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nCompounded\n\nQuarterly\n\n36 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.50%\n\nCompounded\n\nQuarterly\n\n48 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.60%\n\nCompounded\n\nQuarterly\n\n60 Month CD\nBalance to Earn Dividends\n\n$500.00\n\nAPY\n\n0.70%\n\nCompounded\n\nQuarterly\n\n\xee\xa4\x8c\n\xee\xa4\x8f\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\nEarly withdrawals may result in a loss of 90 - 180 days of interest.\n\nAUTO LOANS\n\nLEARN MORE\n\n\xef\x81\x94\n\nNew/Refinanced Auto Loans, 2021-2020\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n5/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nAPR\n\nas low as 2.49% APR\n\nUsed Auto Loans, 2019-2016\nAPR\n\nas low as 3.24% APR\n\nUsed Auto Loans, 2015 and Older\nAPR\n\nas low as 5.24% APR\n\nClassic Auto Loan, 1977 and Older\nAPR\n\nas low as 5.99% APR\n\nRate may vary based on credit score and loan-to-value. Rates subject to change at anytime without notice\n\nHOME EQUITY LOANS\n\nLEARN MORE\n\n\xef\x81\x94\n\n\xee\xa4\x8c\n\xee\xa4\x8f\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\nHome Equity (Closed End) *\nTerm\n\n5 Year Term\n\nAmount\n\n$5,000 - $200,000\n\nAPR\n\nAs low as 3.99%\n\nHome Equity (Closed End) *\nTerm\n\n10 Year Term\n\nAmount\n\n$10,000 - $200,000\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n6/9\n\n\x0c9/1/2021\n\nAPR\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nAs low as 5.10%\n\nHome Equity (Closed End) *\nTerm\n\n15 Year Term\n\nAmount\n\n$15,000 - $200,000\n\nAPR\n\nAs low as 5.35%\n\nHome Equity Line of Credit**\nTerm\n\n10 Year Draw, 15 Year Payback Period\n\nAmount\n\n$10,000 - $200,000\n\nAPR\n\nAs low as 3.25%\n\n\xee\xa4\x8c\n\xee\xa4\x8f\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\n*APR=Annual Percentage Rate. Approval and actual rate offered is based on your credit score, term, amount, collateral, and loan-to-value. Offer applies only to principal\nresidences in the state of Michigan. Excludes manufactured homes not on a permanent foundation. Minimum loan amount is $5,000 and the maximum is $200,000. Rates\nand Terms subject to change. Consult with a reliable tax advisor about the deductibility of home equity loan interest. Other conditions may apply. Federally Insured by\nNCUA. Equal Housing Opportunity.\n\nOTHER LOANS\n\nCamper or Motorhome (/loans-credit-cards/consumer-loans/recreational-vehicle-loans.html)\nAPR\n\nas low as 3.74% APR\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n7/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nBoat (/loans-credit-cards/consumer-loans/recreational-vehicle-loans.html)\nAPR\n\nas low as 3.74% APR\n\nMotorcycle (/loans-credit-cards/consumer-loans/recreational-vehicle-loans.html)\nAPR\n\nas low as 3.74% APR\n\nPowersports (ATVs, jet skis, snowmobiles) (/loans-credit-cards/consumer-loans/recreational-vehicle-loans.html)\nAPR\n\nas low as 6.74% APR\n\nRewards Visa\xc2\xae Credit Card (/loans-credit-cards/credit-cards.html)\nAPR\n\nAS LOW AS 9.99% APR\n\nPersonal Loans (Unsecured) (/loans-credit-cards/consumer-loans/personal-loans.html)\nAPR\n\nas low as 9.99% APR\n\n\xee\xa4\x8c\n\xee\xa4\x8f\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\nRevolving Line of Credit (/loans-credit-cards/consumer-loans/overdraft-line-of-credit.html)\nAPR\n\nas low as 15.75% APR\n\nRate may vary based on credit score and loan-to-value. Rates subject to change at anytime without notice\n\nFOLLOW US\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n\xef\x82\x9a \xef\x85\xad\n\n8/9\n\n\x0c9/1/2021\n\nRates | Parkside Credit Union | Livonia, MI \xe2\x80\x93 Dearborn, MI \xe2\x80\x93 Westland, MI\n\nYour savings federally insured to at least $250,000\nand backed by the full faith and credit of the United States Government\n\nNational Credit Union Administration, a U.S. Government Agency\n\n\xc2\xa9 2021 PARKSIDE CREDIT UNION | PORTIONS COPYRIGHT \xc2\xa9 KASASA, LTD. ALL RIGHTS RESERVED.\nYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union\nAdministration, a U.S. Government Agency.\n\n\xee\xa4\x97\n\xee\xa4\x96\n\xee\xa4\x95\n\xee\xa4\x94\n\xee\xa4\x93\n\xee\xa4\x92\n\xee\xa4\x91\n\xee\xa4\x90\n\xee\xa4\x8e\n\xee\xa4\x8d\n\xee\xa4\x8c\n\xee\xa4\x8f\n\nhttps://www.parksidecu.org/tools-services/tools-resources/rates.html#other-loans\n\n9/9\n\n\x0c'