� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 10401000-MXC30-P-1-072621 (MXC305-E)CONSUMERCREDIT CARDAGREEMENTANDDISCLOSURE
VISA GOLD/VISA CLASSIC
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any otherAccount opening documents or any subsequent documents provided to You related to this Account (hereinaftercollectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and�Credit Union� refers to LBS Financial Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refersto each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone Youauthorize to use, access or service the Account. "Card" means the Visa
�credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established bythis Agreement and includes Your Card.1. USING YOUR ACCOUNT �By using the Account or keeping the Card, You agree to the terms of this Agreement.You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawfultransactions.2. CREDIT LIMIT �We may establish a credit limit as part of this Agreement, which You promise not to exceed. If Youexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amountsdue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a methodacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/orterminate Your Account at any time for any reason permitted by law.3. REPAYMENT �You promise to repay all amounts You owe under this Agreement. Your promise to repay includesall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interestcharges and fees.For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.The Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount pastdue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than$25.00, then Your Minimum Payment Due is the amount of the total New Balance.You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month YourAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until thedate the payment is posted or the Credit Union confirms the payment has cleared.Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any mannerthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required MinimumPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentagerate (�APR�) and any remaining portion to the other balances in descending order based on applicable APR, unlessotherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effectwithout losing any of Our rights to collect the full balance of Your Account with Us.4. INTEREST AND FINANCE CHARGES � We will begin charging You interest on new purchases on the first day of the following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of thetransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance onthe previous cycle�s billing statement by the Payment Due Date of that statement. To avoid an additional finance chargeon the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date ofthat statement.How We Calculate Your Balance:Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances(�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to eachcorresponding �average daily balance.� To get the �average daily balance� for a Transaction Type We take the beginningbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), andsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the dailybalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle
November 1, 2021 Page 2 of 5 10401000-MXC30-P-1-072621 (MXC305-E)and divide each total by the number of days in the billing cycle. This gives Us the �average daily balance� for eachTransaction Type.5. FEES �In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to YourAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying thisAgreement.6. FOREIGN TRANSACTIONS �Purchases and cash advances made in foreign currencies will be debited from YourAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processinginternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for theapplicable transaction date, which rate may vary from the rate Visa itself receives, or the rate mandated by thegovernment or governing body in effect for the applicable transaction date. The exchange rate used on the transactiondate may differ from the rate that would have been used on the processing date or cardholder statement posting date.A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, includingpurchases, cash advances, and credits to Your Account. A fee (finance charge), calculated in U.S. dollars, will beimposed on all single currency foreign transactions, including purchases, cash advances and credits to Your Account. Aforeign transaction is any transaction that You complete or a merchant completes on Your Card outside of the UnitedStates, with the exception of U.S. military bases, U.S. territories, U.S. embassies, or U.S. consulates. Transactionscompleted by merchants outside of the United States are considered foreign transactions, regardless of whether You arelocated inside or outside the United States at the time of the transaction. The Foreign Transaction Fee is set forth on theAccount Opening Disclosure accompanying this Agreement.7. AUTHORIZATIONS �We do not guarantee authorization of a transaction, either by Us or by a third party, even ifYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We alsoreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certaintransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have norequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, Wemay suspend Your credit privileges until We can verify the activity, or We may close the Account.8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, YourAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Cardis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updatedAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorizeUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the chargesto Your Card.Your Card is automatically enrolled in an information updating service. Through this service, Your updated Accountinformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continuedrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible formaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updatedAccount information to a merchant, please contact Us.9. PREAUTHORIZED CHARGES �We may suspend preauthorized recurring charges with merchants if, for example,Your Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring chargesare suspended, You are responsible for making direct payment for such charges until You contact the merchant toreinstate recurring charges.10. DEFAULT �You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its PaymentDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot beprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any creditapplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of thisAgreement or any other Agreement You have with Us.If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicablelaw.11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION � If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 4860, LongBeach, CA, 90804-0860 or call Us at 800.527.3328, Monday through Friday 8:30 a.m. to 7:00 p.m. Pacific Time or800.527.3328, Saturday 8:30 a.m. to 5:00 p.m. Pacific Time or 866.333.4740, seven days a week after business hours.You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable forunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You arefound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorizedtransactions will not exceed $50.November 1, 2021 Page 3 of 5 10401000-MXC30-P-1-072621 (MXC305-E)12. CHANGING OR TERMINATING YOUR ACCOUNT � As permitted by law, the Credit Union may change the terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance withapplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance aswell as to future transactions.Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse orthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Yourspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges Youowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Cardor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union allCards upon request or upon termination of this Agreement whether by You or the Credit Union.Residents of all other states -Either You or the Credit Union may terminate this Agreement at any time, but terminationby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other chargesYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You oweunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card orCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union allCards upon request or upon termination of this Agreement whether by You or the Credit Union.13. AUTHORIZED USERS �Upon Your request, We may issue additional Cards for authorized users that Youdesignate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Yournotice must include the name of the authorized user and Your Account number and/or any subaccount number issued tothe authorized user along with the authorized user's Card and any convenience or other access checks issued to theauthorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to beclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,issue You a new Account number and a new Card.14. CREDIT REPORTS �You authorize the Credit Union to obtain credit reports and any other information We mayneed to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal,extension, collection, or review of Your Account. You authorize the Credit Union to disclose information regarding YourAccount to credit bureaus and creditors who inquire about Your credit standing.15. JOINT ACCOUNTS �If this is a joint Account, each of You will be individually and jointly responsible for paying allamounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repaythe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Accountindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.16. EFFECT OF AGREEMENT �This Agreement is the contract which applies to all transactions on Your Account eventhough the sales, cash advances, credit or other slips You sign or receive may contain different terms.17. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should anypart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect andfully enforceable to the fullest extent possible under this Agreement.18. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any transaction, including any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred inconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that isillegal.19. APPLICABLE LAW �The terms and enforcement of this Agreement shall be governed by federal law and the law ofCalifornia.20. ENFORCING THIS AGREEMENT �We can delay in enforcing or fail to enforce any of Our rights under thisAgreement without losing them.21. COLLECTION COSTS �If We refer collection of Your Account to a lawyer who is not Our salaried employee, Youare liable for any reasonable attorney�s fees We incur, plus the costs and expenses of any legal action, as furtherdisclosed on this Agreement, or to the extent allowed by law.22. ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement to a third party.23. OVERDRAFT PRIVILEGE �You agree that if, pursuant to any overdraft privilege on a Credit Union Share DraftAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstandingbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in �INTEREST ANDFINANCE CHARGES� as described for cash advances, and will be subject to all terms and conditions of this Agreement.The Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share DraftAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, atthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a November 1, 2021 Page 4 of 5 10401000-MXC30-P-1-072621 (MXC305-E)separate agreement between You and the Credit Union. Where the terms of any other agreement between You and theCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.24. CALIFORNIA RESIDENTS �A married applicant may apply for a separate Account. Applicants: 1) may, after creditapproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to anyjoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit recordmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.25. FLORIDA RESIDENTS � You (borrower) agree that, should We obtain a judgment against You, a portion ofYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Floridaand Federal law.26. MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer YourCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.27. MISSOURI RESIDENTS � Oral Agreements or commitments to loan money, extend credit or to forbear fromenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protectYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reachcovering such matters are contained in this writing, which is the complete and exclusive statement of theAgreement between Us, except as We may later agree in writing to modify it.28. NEW YORK RESIDENTS �We may obtain a credit report in connection with this Account, including for any review,modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether suchreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New Yorkresidents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtaina comparative listing of credit card rates, fees and grace periods.29. OHIO RESIDENTS �The Ohio laws against discrimination require that all creditors make credit equally available toall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual uponrequest. The Ohio Civil Rights Commission administers compliance with this law.30. SOUTH DAKOTA RESIDENTS �If You believe there have been any improprieties in making this loan or in thelender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,SD 57501, or by phone at 605.773.3421.31. WISCONSIN RESIDENTS �If You are married, please contact Us immediately upon receipt of this Agreement at theaddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We arerequired to inform Your spouse that We have opened an Account for You.32. NOTICE TO UTAH BORROWERS �This written Agreement is a final expression of the Agreement between Youand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required bylaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a creditreporting agency if You fail to fulfill the terms of Your credit obligations.33. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ONTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWERDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
November 1, 2021 Page 5 of 5 10401000-MXC30-P-1-072621 (MXC305-E)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 StatementIf You think there is an error on Your statement, write to Us at the address listed on Your statement.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 bill, describe what You believe is wrong and why Youbelieve it is a mistake.You must contact Us:- Within 60 days after the error appeared on Your statement.- At least three business days before an automated payment is scheduled, if You want to stop payment on the amountYou think is wrong.You must notify Us of any potential errorsin writingor electronically. 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 LetterWhen 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 havealready corrected the error.2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill iscorrect.While We investigate whether or not there has been an error:- We cannot try to collect the amount in question, or report You as delinquent on that amount.- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.- 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 question or any interest or other fees related to thatamount.-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 thenreport You as delinquent if You do not pay the amount We think You owe.If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 daystelling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Yourbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizationsknow when 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 $50 of the amount You question even if Your billis correct.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried ingood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on thepurchase.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 thepurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based onan advertisement We mailed to You, or if We own the company 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 acheck that accesses Your credit card Account do not qualify.3. You must not yet have fully paid for the purchase.If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writingor electronically at the address listed on Your statement.While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,We will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You asdelinquent.
November 1, 2021