VISA Platinum Credit Card Agreement VISA st Class American Credit Union Credit Card Agreement   In this Agreement, the words “we,” “our,” “us,” and "Credit Union" mean First Class American Credit Union or its successors. "You" and "your" mean any person who signs this Agreement or uses the Card. "The Card" means any credit card issued to you or those designated by you under the terms of this Agreement. "Use of the Card" means any procedure used by you, or someone authorized by you, to make a purchase or obtain a cash advance whether or not the purchase or advance is evidenced by a signed written document. "Unauthorized use of the Card" means the use of the Card by someone other than you who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.       Security. You specifically grant us consensual interest in all individual and joint accounts you have with us now and in the future to secure repay- ment of credit extensions made under this Agreement. The granting of this security interest is a condition for the issuance of any Card, which you may use directly or indirectly, to obtain extensions of credit under this Agreement. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to the security interest you are giving.       ADDITIONAL SECURITY. If you have other loans with us, now or in the future, collateral securing those loans may also secure your obligations under this Agreement. Please read any security agreement you sign in order to determine if the collateral also secures your obligations under this Agreement and other agreements you have with us. 1) Extensions of Credit. If your Application is approved, the Credit Un- ion may, at its discretion, establish a line of credit in your name and cause one or more Cards to be issued to you or those designated by you. In such event, you authorize the Credit Union to pay for your account, all items reflecting credit purchases and cash advances obtained through lise of the Card. You may not use your Card for any illegal purpose or transaction. The Credit Union may refuse to authorize any transaction that it believes to be illegal or that poses an undue risk or illegality. If we do process any transaction which ultimately is determined to have been for an illegal pur- pose, you agree that you will remain liable to us under this Agreement for any such transaction notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act of default under this Agree- ment. You further agree to waive any right to take legal action against the Credit Union for illegal use of the Card and to indemnify and hold the Credit Union and VISA International, Inc. harmless from and against any lawsuits, other legal action or liability that results directly or indirectly from such illegal use. 2) Joint Applicant Liability. Lf this Agreement is executed by more than one person, each of you shall be jointly and individually liable to us for all charges made to the account, including applicable fees. In addition, you agree that each of you designates the other as agent for the purpose of making purchases extended under this Agreement and each use of your account shall be an extension of credit to all, Notice to one of you shall constitute notice to all. Any joint cardholder may remove him/herself from responsibility for future purchases at any time by notifying us in writing. However, removal from the account does not release you from any liabil- ity already incurred. 3) Others Using Your Account. If you allow anyone else to use your Card, you will be liable for all credit extended to such persons. You prom- ise to pay for all purchases, balance transfers, and cash advances made by anyone whom you authorize to use your Card, whether or not you notify us that he or she will be using it. If someone else is authorized to use your Card and you want to end that person’s privilege, you must notify us in writing, and if he or she has a Card, you must return the Card with your written notice for it to be effective. 4) Credit Limits. You promise the payments made for your account re- sulting from use of the Card will, at no time, cause the outstanding balance in your account to exceed your credit limit as disclosed to you at the time you received your Card or as adjusted from time to time at the discretion of the Credit Union. 5) Promise To Pay. You promise to pay us in U.S. dollars for (a) all pur- chases, cash advances, and balance transfers made by you or anyone whom you authorize to use the Card or account; (b) INTEREST CHARGES and other charges or fees; (c) collection costs and attorney's fees as permitted by applicable law and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may ex- tend to you. At the end of each monthly billing cycle, you will be fur- nished with a periodic statement showing (i) the "previous balance" (the outstanding balance in the account at the beginning of the billing cycle), (ii) the amount of all cash advances, purchases, INTEREST CHARGES and fees and charges posted to your account during the billing cycle, (iii) the amount of all payments and credits posted to your account during the billing eyele, and (iv) the "new balance” which is the sum of (i) and (ii) less (iii). You agree to pay on or before the "payment due date" shown on the periodic statement either the entire "New Balance," or the minimum payment shown on the statement. Generally, the "minimum payment” will equal 2% of the New Balance or $25, whichever is greater. If the New Balance is $25 or less, you will pay in full. You may make extra payments in advance of the due date without a penalty, and you may repay any funds advanced, credit extended, or amount outstanding at any time without a penalty for early payment. Regardless of the amount of any extra payment during a given month, a monthly payment will be required the following month if a balance remains in your account. The Credit Union may also, from time to time and at its option, offer you the opportunity to skip a ‘ payment. If you decide to skip a payment, an INTEREST CHARGE will continue to accrue on the balance in the account at the applicable periodic rate in accordance with this Agreement, and the payment terms applicable to the account prior to the skipped payment will automatically resume in the month immediately following the month in which you have skipped a payment, 6) Cost of Credit. All advances for your Account will be subject to a daily periodic rate ranging between .023288% and .047945% (8.50% - 17.50% ANNUAL PERCENTAGE RATE) (the “Standard Rate”). Your precise daily periodic rate and ANNUAL PERCENTAGE RATE will be pro- vided to you in the Account Opening Disclosures after your application has been approved. The Account Opening Disclosures are incorporated by reference into this Agreement. Cash advances (including balance transfers) incur an INTEREST CHARGE from the date they are posted to the ac- count. If you have paid your account in full by the due date shown on the previous monthly statement, or there is no previous balance, you have not less than 25 days to repay your account balance before an INTEREST CHARGE on new purchases will be imposed. Otherwise, there is no grace period and new purchases will incur an INTEREST CHARGE from the date they are posted to the account. The daily periodic rate and ANNUAL PERCENTAGE RATE for your account are subject to certain creditwor- thiness criteria. After your account has been opened for at least one year, we may review your creditworthiness from time to time and adjust the daily periodic rate and ANNUAL PERCENTAGE RATE for all advances on your account within the range stated above. If we increase your rate, we will notify you in accordance with applicable law. Any ANNUAL PER- CENTAGE RATE changes to your Account due to changes in your cred- itworthiness will only affect new balances beginning on the effective date of the change; existing balances will continue to be subject to the AN- NUAL PERCENTAGE RATE in effect before the date of the change until those balances are paid in full. If at any time a required minimum payment is not received within 60 days of the payment due date, the AN- NUAL PERCENTAGE RATE for all advances may be increased to a Penalty Rate daily periodic rate of .047945% (17.50% ANNUAL PER- CENTAGE RATE). After the Penalty Rate becomes effective, it will apply both to current and new balances and it may remain in effect indefinitely. If your minimum payments are made as required for six consecutive months starting on or after the first payment due follow- ing the Penalty Rate effective date, the Standard Rate for your ac- count will be restored. The INTEREST CHARGE is figured by apply- ing the periodic rate to the "balance subject to INTEREST CHARGE" which is the "average daily balance" of your account, including certain current transactions. The "average daily balance" is arrived at by taking the beginning balance of your account each day and adding any new cash advances (including balance transfers), and unless you pay your account in full by the due date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any pay- ments or credits and unpaid INTEREST CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added to- gether and divided by the number of days in the billing cycle. The result is the "average daily balance." The INTEREST CHARGE is determined by multiplying the "average daily balance" by the number of days in the bill- ing cycle and applying the periodic rate to the product. 7) Other Charges, The following other charges (fees) will be added to your account, as applicable: ATM Fee. If you obtain a cash advance by using an automated teller ma- chine, you may be charged any amounts imposed upon the Credit Union by the owner or operator of the machine. Any charge made under this paragraph will be added to the balance of your account and treated as a purchase. Collection Cost Fee. You agree to pay all reasonable costs of collection, including court costs and attorney’s fees imposed and any costs incurred in the recovery of the Card. Returned Payment Fee. If a check, share draft or other payment order used to make a payment on your account is returned unpaid for any reason, you may be charged a fee of $30 or an amount equal to the required mini- mum payment, whichever is less, for each payment returned, The Re- turned Payment Fee may be charged for any returned payment, even if the payment is honored upon resubmission. Late Payment Fee. A Late Payment Fee of 5% of the payment due, with a maximum fee of $25, may be added to your account if your required minimum payment is not received within the stated due date. Card Replacement Fee. You may be charged $10 for each replacement Card that is issued to you for any reason. PIN Replacement Fee. You may be charged $10 for each replacement PIN (personal identification number) that is issued to you for any reason. Document Copy Fee. You may be charged $5 for each copy of a sales draft or statement that you request (except when the request is made in conjunction with a billing error made by the Credit Union.) 8) Credit Insurance. If available, credit insurance is not required for any extension of credit under this Agreement, However, you may purchase any credit insurance available through the Credit Union and have the premium added to the outstanding balance in your account. If you elect to do so, you will be given the necessary disclosures and documents separately. 9) Liability for Unauthorized Use. You may be liable for the unauthor- ized use of your Card. If you notice the loss or theft of your Card or a pos- sible unauthorized use of your card, you should call us immediately at: (800) 682-6075 You may also write us at: First Class American Credit Union P.O. Box 162539 Fort Worth, TX 76161-2539 Although you may write to notify us of unauthorized use, calling us imme- diately at the telephone number above is the best way to keep your possi- ble losses down. Under VISA’s zero liability policy, you will not be liable for unauthorized use of your VISA card once you notify us orally or in writing of the loss, theft or possible unauthorized use. VISA’s zero liability policy does not apply if you are grossly negligent or fraudulent in the handling of your Account or your card, nor does it apply in the case of cash advances ob- tained atan ATM. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00. 10) Crediting of Payments, We do not charge for payments made by mail or any other standard payment methods approved by us. If we charge a fee for any expedited payment service we offer, that fee will be disclosed to you at the time you request the service. All payments made on your ac- count at the address designated for payment on the monthly periodic state- ment or by any other method we accept will generally be credited to your account on the date of receipt. If the date of receipt for a mailed payment is not a business day, your payment may not be credited until the first business day following receipt. Payments received in person by one of our branch employees before the close of business at the branch office will receive same day credit. [f payment is made at any location other than the address designated on the periodic statement or by any other payment method approved by us, credit for such payment may be delayed up to five days. All minimum payments on your account will be applied first to col- lection costs, then to any INTEREST CHARGE and other fees due, and then to the unpaid principal balance. Payments received in excess of the minimum required payment will be applied first to the balance with the highest interest rate, if applicable. Interest paid or agreed to be paid shall not exceed the maximum amount permissible under applicable law, and in any contingency whatsoever, if we shall receive anything of value deemed interest under applicable law which would exceed the maximum amount of interest permissible under applicable law, the excessive interest shall be applied to the reduction of the unpaid principal amount or refunded to you. 11) Default. You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep any promises you have made under this Agree- ment or any other agreement with the Credit Union; (3) if you become insolvent or are the subject of an order for relief under Title 11 of the U.S. Code (Bankruptey); (4) if anyone tries, by legal process, to take any of your money in the Credit Union; (5) if you have given the Credit Union false or inaccurate information in obtaining your Card; or (6) if anything happens which the Credit Union reasonably believes endangers your abil- ity to repay what you owe. 12) Acceleration, If you are in default, the Credit Union may, without prior notice to you, call any amounts you still owe immediately due and payable plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any right to notice or demand, including but not limited to, demand upon default, notice of in- tention to accelerate, and notice of acceleration. The Card remains the property of the Credit Union at all times, and you agree to immediately surrender the Card upon demand of the Credit Union. 13) Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 14) Convenience Checks. The Credit Union may, at its discretion, issue checks to you which may be used for any purpose other than making a payment for credit to your account. By signing such check, you authorize the Credit Union to pay the item for the amount indicated and post such amount as a cash advance to your account. The Credit Union does not have to pay any item, which would cause the outstanding balance in your account to exceed your eredit limit. Charges that apply in connection with the use of Convenience Checks are as follows: Copy of Paid Check $5; Stop Payment on Check $30; Non-Sufficient Funds Check (NSF) $30. Fees will be assessed at the time they are incurred.    15) Continuation of Credit. The Credit Union may from time to time request personal information from you for the purpose of updating your credit status, according to normal credit procedures. Your failure to pro- vide such information when requested by the Credit Union may result in suspension of your line of credit privileges under this Agreement, includ- ing your ability to obtain any future advances by any means. 16) Currency Conversion. [f you effect an international transaction with your VISA Card, the rate of exchange between the transaction currency and the billing currency used for processing the international transaction will be arate selected by VISA from the range of rates available in whole- sale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing date; and in each in- stance, plus a Foreign Transaction Fee of up to 1% of the transaction amount. The Foreign Transaction Fee will apply to all international pur- chase, cash disbursement, and account credit transactions, even if there is no currency conversion. There is no grace period within which to repay international transactions in order to avoid the Foreign Transaction Fee. 17) VISA Emergency Services. For Platinum cardholders, you acknowl- edge that we may provide personal data concerning you to VISA U.S.A, its Members, or their respective contractors for the purpose of providing you with VISA Emergency Cash and Emergency Card Replacement Ser- vices, and you consent to the release of your information for these pur- poses. 18) Termination or Changes. The Credit Union may terminate this Agreement at any time subject to such notice as may be required by appli- cable law. You may terminate this Agreement, by written notice, as to future advances at any time. Termination by either party shall not affect your obligation to repay any payments made for your account resulting from use of the Card as well as INTEREST CHARGES and other related charges. The Credit Union may add to, change, or delete the terms of this Agreement, including the method of calculating the periodic rate, at any time subject to such notice as may be required by applicable law. If you use your Card or account to make a purchase or cash advance after having been given notice of a change in terms, you agree that, to the extent per- mitted by law, the existing balance in your account at the time of that use will be subject to the new terms, as shall subsequent uses. 19) Credit Information. You authorize the Credit Union to investigate your credit standing and employment history when opening or reviewing your account. You authorize the Credit Union to disclose information re- garding your account to credit bureaus and creditors who inquire about your credit standing.     20) Notification Address for Information Reported to Consumer Re- porting Agencies. We may report the status and payment history of your account to credit reporting agencies each month. If you believe that the information we have reported is inaccurate or incomplete, please notify us in writing at First Class American Credit Union, P.O, Box 162539, Fort Worth, Texas 76161-2539. Please include your name, address, home telephone number and account number, and identify the information you believe is incorrect. If your notification relates to an incident of iden- tity theft, we will require a copy of your identity theft report filed with law enforcement authorities.     21) Statements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. You agree to give us prompt notice of any change in your name, mailing address, tele- phone number or place of employment. 22) Copy Received. By using the Card or the account, you agree to all the terms and conditions and promise to perform all the obligations, require- ments, and duties contained in this Agreement, and if you signed the Credit Card Application, you acknowledge that you have received a copy of this Agreement. 23) Additional Provisions. Each provision of this Agreement must be considered as part of the total Agreement and cannot, in any way, be sev- ered from it. However, you also agree that should any part of the Agree- ment be found invalid, it will in no way affect the remainder of the Agree- ment. You understand the validity, construction, and enforcement of this Agreement shall be governed by the laws of the State of Texas and federal law. Use of your Card is also subject to the policies and rules of VISA International, as applicable and in effect from time to time, which do not conflict with the terms of this Agreement. The Credit Union does not war- rant any merchandise or services purchased by you with the Card. All purchases and cash advances are extended at the option of the merchant or cash advancing financial institution and the Credit Union is not responsi- ble for refusal of any merchant or financial institution to honor your Card. We can accept late payments or partial payments or checks or money or- ders marked “payment in full” without losing any of our rights under this Agreement. We can also delay enforcing any of our rights under this Agreement without losing them. Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act, What to Do if You Find a Mistake on Your Statement If you think there is an error on your statement, write us at: First Class American Credit Union P.O. Box 162539 Fort Worth, TX 76161-2539 In your letter, give us the following information: ©. Account Information: Your name and account number @ =Dollar Amount: The dollar amount of the suspected error. © = Description of problem: If you think there is an error on your state- ment, describe what you believe is wrong and why you believe it is a mistake. You must contact us: ® Within 60 days after the error appeared on your statement ® At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already cor- rected the error. 2. Within 90 days of receiving your letter, we must either correct the » error or explain to you why we believe your statement is correct. While we investigate whether or not there has been an error: e = We cannot try to collect the amount in question, or report you as de- linquent on that amount. e  =The charge in question may remain on your statement, and we may continue to charge you interest on that amount. e = While you do not have to pay the amount in question, you are respon- sible for the remainder of your balance. e ~=We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: © If we made a mistake: You will not have to pay the amount in ques- tion or any interest or other fees related to that amount. © If we do not believe there was a mistake: You will have to pay the amount in question along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your statement is wrong, you must write us within /0 days telling us that you still re- fuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your statement. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been set- tled. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights if You are Dissatisfied with Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the prob- lem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the com- pany that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. [fall of the criteria above are met and you are still dissatisfied with the purchase, contact us is writing at: First Class American Credit Union P.O. Box 162539 Fort Worth, TX 76161-2539 While we investigate, the same rules apply to the disputed amount as dis- cussed above. After we finish our investigation, we will tell you our deci- sion. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. _— (Za FIRST CLASS AMERICAN CREDIT UNION 2595 Polaris Dr. ~ Ft. Worth, TX 76137 817.834.9777 ~ 800.736.6144 ~ www.feacu.org Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers 8.50% - 17.50% based on your creditworthiness   17.50% This APR may be applied to your account if you: 1) Make a late payment How Long Will the Penalty APR Apply?: If your APR is increased for this reason, the Penalty APR will apply until you make six con- secutive minimum payments when due. Penalty APR and When it Applies   How to Avoid Paying Inter- | Your due date is at least 25 days est on Purchases after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month,   For Credit Card Tips from | To learn more about factors to consider the Consumer Financial when applying for or using a credit Protection Bureau card, visit the website of the Consumer Financial Protection Bureau at http:/Avww.consumerfinance.gov/learnmore.   Annual Fee None   Up to 1% of each transaction in U.S. Dollars Transaction Fees ¢ Foreign Transaction Fee   Penalty Fees ® Late Payment e Returned Payment Up to $25 Up to $30         How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” The information about the costs of the card described in this Appli- cation and Agreement is accurate as of January 2015. This information may have changed after that date. To find out what may have changed, write us at First Class American Credit Union, PO Box 162539, Ft. Worth, TX 76161-2539 or call (800) 736-6144. Rev 01/2015