>             H DESERET FIRST CREDIT UNION P.O. Box 45046 « Salt Lake City, Utah 84145 + (801) 456-7000 Visa Platinum and Classic Credit Card Disclosure Interest Rate and Interest Charges Type of Card Platinum and Classic   Annual Percentage Rate (APR) for Purchase “APR will be mailed to you upon the approval of your application. 8.9%-18.00%*   APR for Cash Advances 8.9%-18.00%*   APR for Balance Transfers 8.9%-18.00%*   Penalty APR 18.00%   Penalty APR and when it applies: Interest rate may be re-evaluated after 6 months. This 18.00% penalty APR may be applied to your account if: 1) Your loan is 60 days delinquent 2) Make a payment that is returned; or 3) Do any of the above on another account that you have with us.   How to avoid paying interest on The grace period is for the first 25 days of the billing cycle. No FINANCE   purchases CHARGE will be charged if you pay the entire New Balance of Purchases each month within 25 days of your statement closing date. For Credit Card Tips To learn more about the factors to consider when applying for or from the Consumer Protection Bureau using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore     Setup and maintenance fees:           « Annual Fee None * Set Up Fee None « Additional Card Fee None Transaction Fees: * Balance Transfer None   * Cash Advance 1.5% of advance   * Foreign Transaction 1% of purchase   Penalty Fees:   « Late Payment $25.00 or minimum payment due, whichever is less.   « Returned payment $25.00     * Over the credit limit None       How we will calculate your daily balance: Balance is calculated by taking the beginning balance of your account each day and subtracting any payments or credits (and any unpaid charges) any cash advances are added but any new purchases are not added until the next billing cycle. This determines the daily balance. Then, all of the daily balances for the billing cycle are added together and divided by the total number of days in the billing cycle. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. In this Agreement the words you and your mean each and all of those who apply for the card or who sign the Visa Card Agreement, card means the Visa Credit Card and any dupli- cates and ranewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, ours and the credit union means Deseret First Federal Credit Union. 1 RESPONSIBILITY: It we issue you a cand, you agree to repay all debts, charges and the FIMANCE CHARGE arising Irom the use of the Gicd and the card aocount. For exacnple, you are responsible for changes made by yoursell your spouse and minor children. vou are also responsible for changes made by anyone age to whom you give Ihe card or information coetained on the card, and this responsibility contingas until ha cand is recovered or the account is closed for new transactions. Yoo cannot disclaim responsibility by notitying us, but wa will close the secound for new transactions Hf you $0 reques and you rebar all cards. Your obligation to pay fhe account balance continues even though an agreement, divorce decree or other court judgment to which we ane not a party may direct you or another person to pay tha account. Any person using the card is jointly.and severally responsible with you for changes he or she makes, but a that person signe the card be or she becomes a party to [hes Agreement and ig also pointhy responcible for all changes an the account, incloding yours. LOST CARD NOTIFICATION: M you believe the card, Ihe accownl! number, the FIN o any combination of the three has bean lost or stolen, you must immediately notify the credit union at (801) 456-7000 of B00-226-3928 of International at 314-275-6690. LIABILITY FOR UNAUTHORIZED USE: You understand that your liability to the credit union, of responsibilty tow card transactions resting trom the loss, theft or other unauthorized wee of the cand, account number or PIN or acy combination of the Ihees shall be subse! to applicable: ley xg: folks: 2 = You must notity the creda onion in waiting no later than 60 days aMer a etviement was sent showing an unauthorized transaction. The credit union ts not responsitle for any Hem mot reported within the above mentioned time period b You must motily the credit union within 2 days ol dcovery of the less. oF thell of your card(s) USE OF PERSONAL IDENTIFOCATION NUMBER (PIN): You wall hold in sirict comtidence your PIN, You will take reasonable precautions to keep your PIN separale from your Card and to prevent the unauthoried disclosure of your PON, You acknowledge that if you perma or aulhocize other persons to whe your Card and Pin, you wil be ligble tor the resulting trancactions, Deseret First Credit Union will nod ask for your PIN ender any cinoemstance CREOCT LIMIT: tt your application is approved, the credit wrion will establish a credit limit for you. The amound will be based upon many factors, including your ability bo pay and your creda history, Your account will bea nevolving creda account, This means thal you Gen borrge the full amount of the eredil limit, repay ihe principal, interes! aad other changes in full or in part and borrow again up fo your MaxamuM, 25 log 25 you continue to be creditworthy The credit union has the right to terminate the account without advance notice. to the extent permetiod by lier, We will notify you in writing of the cessor for any such Gerdal of credit, Anvong the reasons. for nélusang io advance you credil are: an adverse champs in your credit standing such as not making current loan payments; a change in your ampioyment slaius; your insolvency, your bankruptcy: or your daalh. Your credit limit will be reviewed periodically and jos may be requested to provide cunnent information. Your credit limit may be incrmased or decreased al thai Gime, You will be notified of any such changes to your credit find, You can apply for an increase im your credil ling atany time. You agree io remain a “Manmiber” of the credit mion by maintaining im your regular savings account a balance of not less than $25.00 as bong as you have a credit card. If your regular savings accownt balance should drop below $25.0), the credit unten may dedine feture extension of credit. Termination by you oe the credit uaa does. nol affect your obligation to pay the acoount balance. DNTEREST RATE ADJUSTMENTS: The credit union may review your cred standing periodically and yoo may be riqeested to provide current information, Your interest rate may be icreased af that time depending on, bet hot limited to, the tollowing reasons: Adverse change in your credit Standing such 36 not making curred loan payments with the credit union or other creditors; going ower your credit Grnil; payments are rebemed: a change in your employment stabes: your insolvency: of your barirupicy. You will be notified of any such champes to your interest raitCREDIT INFORMATION: You authorize us.to iewestigate your crndii standing when opening, renewing ot reviewing oset BnOur, ard ype auteprine ys to disciogs inlanmartion regarding your sccound to credit bureaas and otter creditors whey inquire of us about pour credit staneling, MONTHLY PAYMENT: We will med you 2 stalament-every month shoring your Previous Balances of purchases and cash aevanoes. The cored transactions.on your accownl (eich include purchases. gash advances. olfer Gebits, payments and other credits), tee Total Mew Balenoe, he FIMANCE CHARGE dive to date, the unesed credit under your Credit Lina, and the Macimum Payment required: Every month you must pay at least the Minimum i of POUR BILLING RIGHTS. Keep this notice for tutore ae ‘This notice contains important information aout your rights and af responsibilities under the Fair Credit Billing Act, Hotity Us in Gee of Errors or Questions Abou! Your Bill It yoo think your bill 5 wrong, or @ yos need more Information about a irensaction oo your bill, wrlty us ona ‘Separais sheet at the address listed oni your ill. Wile 80 us a5 s00n as possible. We mats! hear inom you no later i L than 60 days after we sent you the first b@ on which tha error or problem appeared, ‘You can ielephone us, but $0. The Minanum: Payment will be either (2) 3% of your Payoll Balance or $25.00, whichever is greater, or (b) doing 26 will nol preserve your rights, your Payot Balance, if it is ees-than $25.00 plus qc) any portion of the Minimum Payment(s} shown.on prior siaterards), which remain unpaid in addition, at ay time your Total New Balance exceeds your Cred Line, you Ineyorr Neer, give us tse following information: the FINANCE CHARGE on cash advances: and unpaid a3 of the date payment is gpplied|: then to tha The doflar amount of the suspected anor, gabcwmulated FINANCE CHARGE on purchases (first to previowsty biied and unpaid and then to coxrent billed and eeapead): then fo the accumulated cash advance balance; and thén in the bakance-of new purchases, whesher or not billed on ihe monthly statement, ‘The Credit Unige shall credit your payment he samme day if if is recehmed prior the close of business. Describe the error and explain, you can, why you betiewe there isan error, I you need more information, describe the Rem you are not pure abot, ‘Wail Latiers tor Payments can be made in person at any of our offices, by telephone, by imlomet transter or mailed to: eis Deseret First Creal Union ‘Atinc Elechrona: Services PO, Box 45045 PO Box 45086 Sait Lake City, UT 84145 Salt Lake Gity, UT B4145: FINGNCE CHARGES AND-OTHER CHARGES: You can avoid FINMINGE CHARGE on purchases by paying the tull the New Balance of Purchases and subsequent purchases trom the dats they are posted to your account wil ba Subject to the FINANCE CHARGE, Gash advances are always sebject to & ANANCE CHARGE Trom the date they are Ifyou have authorized es §o-pay your credél-cand DA aelomabically trom yoer savings or share draft acon, you can: stop the payment on. any aenount yoo Bhink fs wrong. To stop the payment your lather mast reach us: three business days before the aytomatic payment is scheduled to cour, Your Rights and Ger Responsibilities After We Receive your Weillem Notice ‘Weomust acknowledge yar ether within 30 days unless we have corrected the error by then, Within 90 days, we must either comet the error or explain why we believe the til was comrect. Alter we receive your letter, wer-cannot Eny bo collect any amount you question, or report you as delinquent. We oan Continue bo bill you for the around you Question, including finance changes, and we canappty any unpaid amownl against your credit Bratt. You do nod have-to pay any questioned amount while we are investigating, but you are siill obligated 16 pay the parts of your bill that are mot in question. [we find that we made a mistaie: on your bil, you will not have to pay any finance changes melaied to any questioned amqurl. Hae cide) malo a mistake, you bray have 1b. pay finance charges, and you will hen 1p make Up any missed ponents oe the questioned amour. in either case, we will send you a slatement of the amount you owe and the date the. Ifyou fail to pay the amount that we think you owe, we may reponl you as delinquent. However, four explanation does nO satehy you and yOu write fo us within Jen days lelling us that you sill refuse to pay, we nes! tal arpone we report YOu to that you have a question about your bill. ind, we most tall you the name of anyone we reported you to. We must increased by purchases and cash advances you make and adjustments ve make during the statement period, The daily principal balances are totaled and divided by the number of days in the statement period to produpe separate average daily principal balances for purchases and cash advances tp which the periodic rate. set forth im the table G6 then apphed. Other Changes are set forth aterve. DEFAULT, ‘You will be in detault if you fail to make the minimum Required Payment within 25 days after your monthly statement closing date. Bl your account is 10 days delinquent, your cand will be blocked until your account GS.current. |f year acbount is 60 days delinquent, your rate will be adprsted wp 2% and your-tard privileges will be Nerminaied, Hatter the rate adjesiment you remain cement on your loan payments for a G-oonth period you may reapply 1 have your card pelviieges reingtated and imerest rate reevabaated. Yow will also be in detaull if you are in. default of any other ian or obligation to the cradit union, cause a does to the credit union andor if your ability fo repay os is materially reduced by a change io your employment, an increase in your obligations, bankruptcy Of insolvency proceedings imiotving you, your dealh or your tallune fo abide by this agreement, if you default, the entire balance of this account shall become due-and payable.al the option of the Credit Union. Each party hereto further agrees that 1 payment-of this account shall nod-be made as hardin provided, he shall pay the posts of 12, 13, collection, including all altomey fees and costs includieg af said fees and costs in banknapicy court or on appeal, The Credit Lanion can delay entoncing ary of its rights under this agreement without Insing them. USING THE CAAD:To make a purchase or cash advance, two alternative dat. One is for you to prsent the card fo a participating VGA plan merchant, to ws or to another financial instibetion, and sign tha Saks of Cash advance drat which will be imprinsed with your card, The other is to complete thee transaction by sing your Personal identificetion Number (PIN) im conjunction with fhe card in an Aptomated Teller Machine or other typecol electronic tanminal that provides access Io the VESA system. The: monthly statement wil kbanéty the merchant, electronic. ienminal or financial ingtitetion af which transactions were made. bel sales, cash advance, credit of other sfips camnot be: returned with the statement, ‘Yow will retain the copy of such sips fimighed at ihe time of transaction in order to verity the monthty statement. The Creda Union may maka a reasonable charge for photocopies of slips you may regues, ‘You onderstand and agree thal neither your cand now any information contained incor on the card may be used for any purchuse or transaction deamed to be illegal under Utah or ether applicable law. This includes but is mgt lirmited to, interned gambling, Use of the card acknowindges that the purchase or transaction is lawlul and setject 40 the tanme-of this agreement, RETURNS AND ADJUSTMENTS: Merchants and others. who hemor the Card may. give credit tor rebar. or adjustments, and thay will do so by sending a credit, which we will post to your account, OO NOT subtract a eredit thal does not appearon your statement from your New Balance as this may cause you to receive a FINANCE CHARGE I your credits and payments axceed your Gurren! Balance: this will result ina “Credit Balance” on your View. FOREHGN TRANSACTIONS: Transactions made in boreign countries will be billed to you in US deltars. Gomversion $0. US dofars is determined bya tale elec? by View Inner cane of salen: syesable kn ibendls-cureariey markt for the applicable central date. which rake may vary from the rate Visa itsetl receives ov tha mandated nite in affect foe the applicable central processing date plug.a 1 pesceel currency conversion fee. The chinenty conversion fea will appear a& a separate line on your statement for each transiction completed in a foreign country: SECURITY INTEREST: In consideration for and-a¢ a condition of the credit union issaing a credit card fo you, you grant ihe credit wnion-a SECURITY INTEREST in ail funds and other assets of yours held by the eredit enion, including any assets, which may:-be pledged 25 collateral tor another foan with the credit union. You alsa consent four right to offset any account payment delinquency with funds in any of your credit union apcownts without advencs notice bo you, This lien does not reshicl your right tp edtedraw funds prior tothe exercige of the credil lnion’s tight and is not a pledge by you of your accounts; Any exercise of tha right by the credit union is nowan election of remedies. At the credit anion’s option, a specified amount on deposit in one or mone of your otedit union accounts may be pledged a5 security for repayment of all amounts loaned ta you under the terms of this agreement, The amount pledged. aed the account will be shown on the separate security agreement. You canna withdraw the funds pledged from the aneount as fong 2s the platige is in effect. [f you detail in your payments under the terns of this agteement, the credil undon has ihe right bo apply the amounl specifically pledged to pay off this account i full or (in part, PLAN MERCHANT DISPUTES: A plan merchant if a merchant thal accepts a Viea Card as a form of payment for Qoods oF services, We ane not responsible for the refzcal of any plan merchant, vendor or financial institwtion to honor your card, EFFECT OF AGREEMENT, This Agreement is the contract, which applies to all transactions on pour account even though the sales, cash advance. credit or other slips you Sign oc receive may contain different terms. We may “annend thes Agreement from time bo fine by sending you the advance written notice regained by Ew. Your use of the card thereatter will ixieate your agreement to the amendienents, To the extent the law permits, and we inceate in OUr noticed, amendments will apply to your existing account balance a well aa to foture transactions. FINAL EXPRESSION: This Agreament is the final expression of the terms and conditions of this VISA line of credit between jo and the Gredit Union. This written Agreement may not be contradicted by evidence of any alleged COPY RECEIVED: You acknowledge: receipt of a copy of this AgeeseménL OTHER CHARGES: | understand and.agres that | wil be responsible bo. pay stop. payment, receipt copy. fees aooonding bo the tee-schedule, ixated an Gur websile at wnnidRecor or you can obtain a copy inom any employes of the Credit Union. LATE FEE: The late fee is $25.00-09 the minimum payment dos, whichever ts less and It will be charged whenever any payment is nol and withey 5 days of iis schedeled due date, OWNERSHIP OF CARDS: Any Card or other credit instnament on device which we supply to yoo and the leformation contained (herein & oer property and must be returned.6o us or to any person whom we authorize ty achas our agent, or io any person who i authorized io hoeor the Card, immediately according to our instructions. The Card may be repossessed at any Give in oer sobs deacretion without any demand. or notice. ACCEPTANCE OF TEAMS: Use of the card equals agreement to these terms and agreement. tell anyone we report you to thal the matier has been settied betwmen us when if finally ts, ‘Special Rule tor Credit Card Purchases: IPyou havea problem with the quality of property or services thal you purchased with a credit card, and you have tried in good faith to eorrect the probéem with the merchant. you may have ihe right to dispute ihat item. ‘You must submit a request Io the credit union in writing no later than 60 days trom the date the transaction posed te yoair account,