For Purchases Annual Percentage Rate (APR} VISA Rewards: % CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE THIS iS YOUR CREDIT CARD ACCOUNT AGREEMENT AND iT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA REWARDS CREOIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.       APR For Balance Transfers VISA Rewards: %   APR For Cash Advances VISA Rewards: %   Paying Interest We will not charge You interest on purchases if You pay Your entire new balance owed each month within 25 days of Your statement closing date. We will begin charging interast on cash advances and balance transfers on the transaction date,   For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors te consider when applying for or using a Credit Card, visit. the website of the Consumer Financial Protection Bureau at htip://jwww.consumerfinance.gov/learnmore.   Annual Fee    $26,00 (applicable to Accounts with an APR of 15.99% or greater),     Transaction Fees * Foreign Transaction 1.00% of each foreign currency transaction in U.S. Dollars. 0.80% of each U.S. Dollar transaction that occurs in a foreign country.   Penalty Fees * Lata Payment * Returned Payment   Up to $25.00 Up to $25.00       How We Will Calculate Your Balance: We use a method called “average daily balance {including new purchases}." See Your Account Agrsemant for details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. Copyright Oak Trea Businass Systenis, Inc., 2015. Ail Rights feserved. Paga 1 of 4 OTBS O16CC MOCE (6/45}OEFINITIONS. In ihis Agreement, the reference to "We," "Us," "Que® and “Credit Union” maan MONROE COUNTY COMMUNITY CREDIT UNIGN. Fhe words “You” and *Your" mean each person accepting this Agreement. It this is a joint Accaunt, read singular pronouns in the plural. The words "Card" and “Credit Card" mean any VISA Rewarde Credit Card issued to You by Us and any duplicates or renawals, The word “Acceuat” means the VISA Rewards Credit Card Account established for You under this Agreement. “Convenience Check" means the special Account eccess davices thal We may provide for Your use from time ta time. [f this is a joint Account, read singular pronouns tn the plural, PROMISE TO PAY. You understand that the following terms and conditions constitute Gur Agreamant with You. You may request advances an Your Account threugh a variety of means which could include (but may not be limited to} telephonic requasts, Convenianes Checks, Credit Cards and the tike, Regardlass of the means by whieh any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any tsee who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       %     %     USE OF YOUR CARD. You may use Your Card to buy goods and services in any place thai it is honored and to get cash advances at participating tinancial institutians. You agree not to use Your Card for illegat transactions including, but not iimited to, advances made for the purpose of gambling and/or Wagering where such practicas are in violation of appcabla state and/or federal law. SECURITY. Collateral (other than household goods or any dwelling] given as sacudty under any other loan You may have with Us will secure all amounts You owe Us now and in the future if that status is reftectad in the "Truth-lIn-Lending Disclosure” in any particular Agraamant avidencing such dabt.   CONSENSUAL LIEN GN SHARES, You grant and cansant to 4 Wan on Your shares with Us {except fer IRA and Keogh accounts] and any dividends due or to become due to You from Us to the extant You owe on any unpald Credit Card balance.       LINE GF CREDIT LIMITS. You will be notified of sach specifie Cradit Lindt for which You are approved. Uniass You ara in default, the Credit Limits establishad for You will generally be seil-raplanishing as You make payments, You will keep Your unpaid balance within Your Credit Limit sat by Us, and You will pay any amount over Your Credit Limit on Our demand whather er not We authorize the advances which caused You ta exceed Your Credit Limit. Even if Your unpaid balance is fess than Your Credit Limit, You will have no cradi available during any time that any aspect af Your Account is in default, JOINT ACCOUNTS. Each Borrower will be rasponsibla, fointly and severally, for the repayment of any amounts owed, [f any Account access device, such as a Personal Identification Number (PIN) is raquesied and approved, You understand that any such Account access devicets} wil be mailed only to the primary Borrower at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision, MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only pay the Minimum Monthly Payments, You understand that You have the right to rapay at any time without penalty. You also understand that You will only be chatged periodic Finance Charges to the dale You repay Your entire balance. You may make larger payments without penalty. Any partial payment or prepayment will not dalay Your next scheduled payment, All payments to Us must be in lawful meney of the United States, Except as required by faw, We may apply payments af Our discretion. Any unpaid portion of the Finance Charge will ba paid by subsequent payments and will not be added ta Your principal balance. You understand that any delay In the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decraase Your periodic Finance Charges. Minimum Payments will be an amount equal to 2.50% of Your naw unpaid balance at the end of each billing cycle, subject to the lesser of $25.00 ar Your balance, plus any postion of the Minimum Payments shown on prior statementis) which remains unpald, plus any amount that exceeds Your approved Credit Limit. You may, by separate agreement, authorze Us to charges Your payment directly to Your share or share draft account. Copyright Gak Tree Business Systems, Inc., 2015. All Aghts Reserved, Page 2 af 4 FINANCE CHARGES, In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding dering the month finciuding new iransactians}. Fo get the average dally balance for purchases, We take the beginning balance each day, add any new purchases, insurance premiums, debit adjusiments or othar charges applicabla to purchases and subtract any payments, credits and unpaid Finance Charges for purchases, This gives Us the daily dalance for purchases, Then, We edd up afl tha daily balances far purchases for the billing cycle and divide them by tha number of days in the billing cycle. To get the average daily balance tor balance transfers, We take the beginning balance aach day, add any new balance transfers, debit adjustments or other charges applicable to balance transfers and subtract any paymeanis, credits and unpaid Finance Charges for bajanca transfers, This gives Us the daily balance for balence transfers. Than, We edd up all the daily balances for balance transfers for tha billing cycte and divide tham by ihe number of days in the billing cycle. To get the average daily balance for cash advances, Wa take the beginning balance each day, add any naw cash advances, debit adjustments or other charges applicabla to cash advances and subtract any payments, credits and unpald Finance Charges fer cash advances. This gives Us the daily balanca for cash advances. Then, We add up all the daily belances for cash advances for tha di#ing cycle and divide them by the number of days in the billing cycle. The total Finance Charge for a difting cycle is computed by eiultiplying each average daily balance subject to a Finance Charge by the applicable Manthly Periodic Rate. You can avoid Finance Charges an purchases by peying the full amount of the entire balance owed each month within 26 days of Your statement closing date, Otherwise, the naw balance of purchases, and subsequent purchases from the date they are posted ta Your Account, will ba subject ta a Finance Charge. Bafsnce transfers and cash advancas are always subject to a Finance Charge from the tater of ithe date ihay are posted to Your Account or fram the first day of the billing cycle in which the transaction is postad to Your Account. ANNUAL FEE. Borrowers with an Interest rate of 16.99% or greater wil ba charged $25.00 in order to participate in the VISA Rewards pregram and is payable whether or not You use Your Account throughaut the year, The fee will be due at tha time Your Account is established and on the same of aach year thareafter. LATE CHARGE. If Your payment is 1 of more days late, You will be charged the lesser of: (a) $25.06; or {do} the amount of the minimum payment due, FOREIGN TRANSACTIGNS, For transactlans initiated [9 farelgn countrlas and foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars} willbe: {a} erate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rata may vary from the rate VISA itself receives; or {b}) the govarnmontmandated rate in effect for the applicable eentral processing date, For transactions that are tnitlated in a foreign currency, You will be charged 1.00% of the final setilement amount. For transactions occurring in foreign countrias and initiated in U.S, Dollars, You willbe charged 0.80% of the Hnal settiament amount. OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: {a} the [lesser of $26.00 of (the raquired minimum payment amount for the returned payment far any check {or other negotiable instrument used for payment) which Is returned unpaid; tb) $5.00 for each replacement Gard You raquast; {c} $2.60 for each OTBS O16CC MOCC (5/15)Statement copy You request; and (d} $2.60 for each sale draft copy You request, PERIOCHC STATEMENTS. On a regular basis, You wilt receive a statement showing all transactions on Your Account including amounts paid and borrowed since Your last statement, We will mail You a statamant each month in watch there is a dabit or credit balance or when a Finance Charge is Imposed, We nasd not send You a statement if We feet Your Account is uncallectitia ar If We have started collectlon proceedings against You because You defauited. EACH STATEMENT 1S CEEMED TO BE A COARECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TAUTH-IN-LENGING ACT, OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no abligation to honor Your Convenience Checks if: ti) by paying a Convenience Check, You would excaed Your Credit Limit; {2] Your Cards or Convenience Checks have bsen reported lost or stolen; (3) Your Account has been cancelled or has expired. {f a pestdated Convenience Chack is paid and, as a result, any other Convenience Check is returmad unpaid, We are not rasponsible for any resulting toss of liabilty, DEFAULT. You will be in default if: {a4} You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have with Us; of {b) You should die, become involved in any insalvency, receivership or custadial proceeding hrought by or against You: or {c) You have mada a false or misleading statamant in Your credit application and/or in Your rapresentations to Us while You ove monsy on Your Account; of {d} A fudqment or tax lien should be filed against You or any attachment of garnishment shouid be issued against any of Your property or rights, specifically including anyone starting an action or proceeding to seize any of Your funds on daposit with Us; and/or {e] We should, in good faith, believe Your ability to rapay Your indebtedness hereunder is or soon vill 66 impaired, tima being of the very essence, Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the return of all access devices and declare the entire balance of Your Account immediately due and payable, without prior netice or demand COLLECTION COSTS. In the avent collection efforis are required te obtain payment on thls Account, to the extent parmitied by law, You agree to pay ail court costs, private process server fees, investigation fees or other cosis incurred in collection and actual attorneys’ feas incurred in the course of collecting any amounts owed under this Agreemanit or in tha recovery of any Collateral, ENFORCEMENT. We do not tose Our rights under this or any related agreament if We delay enforcing them, Ve can accept lata payments, partial payments or any other payments, even if they ara marked “paid in full” without losing any of Our rights under this Agreamant. tf any provisien of this or any related agreement is datecnined to be unenforceatte or invatid, all other provisions remain In full torce and effect. NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. CHANGE IN TERMS. Wa may change tha terms of this Agraamenit by mailing or delivering to You written notice of the changes as prascribed by the Federal Truth-In-Landing Act. To tha extant permittad by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rate applicable to Your unpald balance and/or future advencas. CREDIT INSURANCE, Credit insurance is not required for any extension of credit under this Agreement, However, You may purchase any credit insurance available through Us and have the premiums added to Your outstanding balance. If You elect to do so, You will be given the necessary diselosuras and documents separataly, INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additionat Olsctosure - Federal Truth-in-Lending Act," which is delivered together with this Agreement ar at a tater date becomes an integrated part of this Agreament and Olsctoesura. CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the application; or by using Your Account or any Account accass device; or by authorizing another to usa Your Account, You agree te and accept its terms, UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Accaunt application or other financial information related to You, at Gur request, You also agree thet We may, from time io time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financtal rasponsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your Account to consumer credit reporting agencies, a prospective amployer or insurer, or a stale or federal licensing agency having any apparent legitlmale business need for such information, Copyright Oak Tree Business Systems, Inc., 2015. All R’ghts Reserved. Page 3 of 4 TERMINATION, Efthar You or We may cancel Your Accaunt at any time, whether or not You are in default. You wil, in any case, remain jiable to pay any unpaid balances accarding to the terms of Your Account, OWNERSHIP, Your Card ramains Our property and may be cancelled by Us at any time without notice, You agree te surrender Your Card and to discantinue its use immediately upon Our request, ISSUANCE OF A PERSONAL [DENTIFICATIGN NUMBER. We will issue, upon Your request, a Personal Identification Number (PiN} for use with participating Autornated Teller Machines {ATMs}. This PIN is confidential and should not be disclosed to anyons. You may use Your PIN to eccess Your Account and all sums advanced wii be added to Your Account balance. In the event a use of Your PIN constitutes an Electranie Fund Transter, the terms and conditions of Your Electronic Fund Transtar Agreament may also affect Your sights. EFFECT OF AGREEMENT. Even thaugh the sales, cash advance, credit or other slips You may sign or racsive when using Your Card contain terms, this Agreement is tho contract which sofely applies to all transactions invelving the Card, UNAUTHORIZED USE. You may be Nabte for the unauthorized use of Your Card, You will not ba liable for ihe unauthorized use that occurs aftar You notify Us of the foss, theft, or possible unauthorized use by calling Us at {800} 828-3901 or by writing to Us at P.O. Box 30496, Tampa, FL 33630-3496, tin any case, Your liahlity will not axceed $60.00. REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We ara not liable for the refusal er Inability of merchants, financial institutions and olhers to accept the Cards or Conveniance Checks, or electronic terminals ta Honor the Cards or complote a Card withdrawal, or far their retention of the Cards or Convenience Checks. TRANSACTION SLIPS. Your monthly statement will identify that merchant, elactronic terminal or financial institution al which transactions were made, but sales, cash advances, credit or other slips cannot be returned with the statement, LOST CARDS OR CONVENIENCE CHECKS. To report fost or stofen Credit Cards of Canvenlence Checks, You wal immadiately call Us at (800) 828-3901 or write te Us al P.G, Box 36495, Tampa, FL 33630-3495. CREDITS, 1f a merchant who henors Your Card gives You ¢vedit for ratums or adjustments, they will do so by sending Us a siip which will be posted to Your Account. {f Your credits and payments exceed what You owe Us, We will held and apply this credit against futura purchases and cash advances, or if it is $1.00 or mare refund it on Your written request or automatically dapasit it to Your share account after 6 manths. GOVERNING LAW, This Agreement is contralled and governed by the faws of the State of Michigan, except to the axtant that such laws are inconsistent with cantrolliag federal law, Your Billing Rights: Keap this Document for Future Usa   This notice tatis You about Your rights and Our rasponsibllitles under tha Falt Credit Billing Act. What Fo Do [f You Find a Mistake on Your Statement if You think thera is an arror on Your statement, write to Us at Our address shown in this Agreement. In Your fetter, give us the following information: * Account information: Your name and Account number. * Dollar amount: Fhe dallat amount of ihe suspected afrer, * Dsscription of problem: tf You think thare is an errar on Your bill, describe what You believe is wrong and why You beliave it is a mistake.   You must contact Us: * Within 60 days after the error appearad on Your statement. * At feast 3 business days bafore an automated payment is scheduled, it You want to stop payment an the amount You think is wrang, You must notify Us of any potential errors in weiling. You may call Us, but if You do We are not required to investigate any potential errors and Yau may have to pay the amount in question. What WIE Happen After We Recaive Your Lettar   When We recelva Your fatter, We must do two things: 1) Within 30 days of recelving Your fetter, We must tell You that We recaived Your letter. We will also talk You if We have already corrected the error, 21 Within 90 days of receiving Your lettar, We must either correct the error or explain to You why We heliave the bill fs correct. OTBS O16CC MGCC (5/15)While Wa Invastigata whether or not there fas bean an error: * We cannot iry to collect the amount in question, or report You es delinquent on that amount. * The charge in question may remain on Your statement, and We may continue to charge You interast on that amount. * While You do net have to pay tha amount in question, You are responsible for tha ramaindar of Your balance. * We can apply any unpaid amount against Your Credit Limit. After We flaish Gur investigation, one of two things will happen: * If We made a mistake: You will not have to pay the amount in question er any interest or other feas relatad to that amount, * ii We do not believe thera was a mistake: You will have to pay the amount in quastion, along with applicable interest and fees. We will send You a statement of the amount You ewe 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 Que explanation but still batiaye Your billis wrong, You must wilta to Us within 10 days telling Us that You still refuse to pay. if You do so, We cannot raport You as delinquent without also reperting that You ara questioning Your bill. We musi tell You the nama of anyona to whem we reported You as delinquent, and We musi let those organizations know when the matier has been satted betwaen Us. If We do not fallow ail of the Copyright Gsk Tree Business Systems, inc., 2015. All Rahts Reserved. Paga 4 of 4 rules above, You do not have to pay the first $60.00 of the amount You guestion even if Your billis correct. Your Rights If You Ara Dissatisfiad With Your Credit Card Purchases   lf You are dissatisfied wilh the goods or services that You have purchased with Your Credit Gard, and You have tried in goad faith te corraci the problem with ihe merchant, You may have the dght not to pey 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 mites af Your current mailing address, and ihe purchase price must have been more than $50.00, (Note: Neither of these ara necessary if Your purchase was basad on an advertisement We maited to You, or if Wa own the company that sold You the goods or servicas.} You must hava used Your Credit Card for the purchase, Purchases mada with cash advances from an ATM of with a check that accesses Your Credit Card account do not qualify. 3) You musi not yet have fully paid for tha purchase. 2 lf all of the criteria above are met and You are still dissatisfied with the purchasa, contact Us in writing at Qur address shown in this Agreement. Whila We investigate, the same rulas apply to the disputed amount as discussed above, After We finish Our investigation, We will tell You Our dacision. At that point, if We think You owe an amount and You do not pay, We may report You as delinquent, OTBS 016CC MOCC (5/15)