SEE PAGE 2 AND TOP OF PAGE 3 for more important information about Your AccountDiamond Premier/Diamond Cash Back VISA_________%introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.VISA Platinum_________%introductory APR for the first _____ months following thedate You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.Share Secured VISA Platinum_________%introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.Annual Percentage Rate (APR)For Balance TransfersAnnual Percentage Rate (APR)For PurchasesDiamond Premier/Diamond Cash Back VISA_________% introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be
_________% and will vary with the market based on the Prime Rate.VISA Platinum
_________% introductory APR for the first _____ monthsfollowing the date You establish Your Card.After that, Your APR will be
_________% and will vary with the market based on the Prime Rate.Share Secured VISA Platinum
_________% introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be
_________% and will vary with the market based on the Prime Rate.Interest Rate and Interest ChargesCREDIT LINE ACCOUNTAGREEMENT AND DISCLOSURE
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENTS, SHARE SECURED VISA PLATINUM, VISA PLATINUM ANDDIAMOND PREMIER/DIAMOND CASH BACK VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONSREGARDING THE USE OF YOUR SHARE SECURED VIS A PLATINUM, VISA PLATINUM AND DIAMOND PREMIER/DIAMOND CASH BACK VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE.PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS AREP.O. Box 500Richland, WA 99352phone: 509.378.3100fax: 509.378.3435www.gesa.com
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 1 of 6 Paying InterestAnnual Percentage Rate (APR)For Cash Advances
For VISA, We will not charge You interest on purchases if You pay Your entire balanceowed each month within 25 days of Your statement closing date. For all FeatureCategories, We will begin charging interest on cash advances and balance transfers onthe transaction date.Interest Rate and Interest Charges (continued)
For Credit Card Tips fromthe Consumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a Credit Card,visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore.Diamond Premier/Diamond Cash Back VISA_________%introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.VISA Platinum_________%introductory APR for the first _____ months following thedate You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.Share Secured VISA Platinum_________%introductory APR for the first _____ months following the date You establish Your Card.After that, Your APR will be_________%and will vary with the market based on thePrime Rate.Personal Line of Credit_________% Penalty APR And When itApplies18.00%This APR may be applied to Your VISA Feature Category if:1) You make a late payment.How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase maybe applied indefinitely. If the Penalty APR is later applied to transactions thatoccurred prior to the effective date of the initial increase (because of a delinquencyin excess of 60 days past due), the subsequent increase will apply unless 6consecutive payments are received on or before the due date during the six-monthperiod following such increase.18.00%This APR may be applied to Your Personal Line of Credit Feature Category if:1) You make a late payment.How Long Will The Penalty APR Apply? If Your APR is increased for this reason, the Penalty APR may be applied indefinitely.
FeesFor Personal Line of Credit,$25.00.For VISA,1.00%of each foreign currency transaction in U.S. dollars.For VISA,0.80%of each U.S. Dollar transaction that occurs in a foreign country. Overdraft FeeForeign TransactionTransaction Fees
..Annual FeeFor Personal Line of Credit,$35.00.
SEE PAGE 1 AND TOP OF PAGE 3 for more important information about Your Account
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 2 of 6 How We Will Calculate Your Balance:Except VISA, We use a method called "daily balance." For VISA, We use a methodcalled "average daily balance (including new purchases)." See Your Account Agreement for details.Loss of Introductory APR:We may end Your introductory APR and apply the penalty APR if Your payments are late.Billing Rights:Information on your rights to dispute transactions and how to exercise those rights is provided in Your AccountAgreement.Fees (continued)Returned PaymentLate PaymentExcept for VISA,$28.00.For VISA, up to$28.00.Except for VISA, the greater of5.00%of the payment due or$35.00 For VISA, up to$25.00Penalty Fees..
In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean GESA CREDIT UNION. The words "You" and "Your" mean each person accepting t his Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any Share Secured VISA Platinum, VI SA Platinum or Diamond Premier/Diamond Cash Back VISA Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean the special Accoun t access devices that We may provide for Your use from time to time.You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditio ns found herein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) te lephonic requests, advance request forms, vouchers, checks, charge slips, Co nvenience Checks, Debit Cards, ATM Cards, Credit Cards, wire transfers, directtransfers and/or wire transfers to specific payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardles s of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, appar ent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.FEATURE CATEGORIES.Your Account has Feature Categories which may include Personal Line of Credit (including Overdraft Protection), Share Secured VISAPlatinum, VISA Platinum and Diamond Premier/Diamond Cash Back VISA.
ANNUALPERCENTAGERATE Variable Rate Feature CategoryPersonal Line of CreditShare Secured VISA PlatinumVISA PlatinumDiamond Premier/Diamond Cash BackVISADailyPeriodicRate IndexMargin___________%___________%___________%___________%__________________________________________________________________
Us will secure all amounts You owe Us now and in the future if that status isreflected in the "Truth-in-Lending Disclosure" in any particular Agreementevidencing such debt.CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,Debit Card or ATM Card You grant and consent to a lien on Your shareswith Us (except for IRA and Keogh accounts) and any dividends due or tobecome due to You from Us to the extent You owe on any unpaid CreditCard balance, and/or Personal Line of Credit balance created through theuse of Your Debit Card or ATM Card.ACCOUNT RESTRICTIONS.In order to receive and maintain a Share SecuredVISA Platinum Feature Category, You agree to give Us a specific pledge ofshares which will equal Your Credit Limit. In the event that You default on YourShare Secured VISA Platinum Feature Category, We may apply these sharestoward the repayment of any amount owed on such Feature Category. You maycancel Your Share Secured VISA Platinum Feature Category at any time bypaying any amounts owed on that Feature Category. To be certain that Your
entire balance and all advances are paid, any shares pledged may not be availableto You for 30 days
after You have cancelled and any outstanding balance is paidin full.LINE OF CREDIT LIMITS.You will be notified of each specific Credit Limit foreach Feature Category for which You are approved. Unless You are in default,any Credit Limits established for You will generally be self-replenishing as Youmake payments.You will keep Your unpaid balance within Your Credit Limit set by Us, and Youwill pay any amount over Your Credit Limit on Our demand whether or not Weauthorize the advances which caused You to exceed Your Credit Limit. Even ifYour unpaid balance is less than Your Credit Limit, You will have no creditavailable during any time that any aspect of Your Account is in default.___________%___________%___________%___________%
ADVANCES.Whenever You request a transaction, We may require You toprove Your identity. Advances made on Your Account will be processedaccording to the instructions You give Us (such as by wire transfer, directtransfer to Your Credit Union account or by other such means) and Youauthorize Us to do this, or We may draw a draft or check made payable to Youand mail it to You. When the amount advanced appears on a subsequentstatement, that will be conclusive evidence of Your advance request unless Younotify Us that You disagree with any such item appearing on Your periodicstatement according to the provision of this Agreement titled "Your Billing Rights:Keep this Document for Future Use." You understand that whether or not anyspecific secured advance request is approved may be determined by how muchequity You have or will have in the shares, certificates and/or Collateral offeredas security.Each Personal Line of Credit advance must be at least equal to $50.00.SECURITY.As permitted by law, to secure all transactions under this Agreementin either joint or individual Accounts, We have the right to impress and enforce astatutory lien against Your shares on deposit with Us (other than those depositsestablished under a governmental approved tax deferral plan such as an IRA orKeogh account), and any dividends due or to become due to You from Us to theextent that You owe on any unpaid balance on Your Account and We mayenforce Our right to do so without further notice to You. Additionally, You agreethat We may set-off any mutual indebtedness.You acknowledge that You own any certificates, shares and/or Collateral pledgedas security and that there are no other liens against them other than Ours. Youagree to perform all acts which are necessary to make Our security interest in thecertificates, shares and/or Collateral being pledged enforceable.OTHER SECURITY.Collateral (other than household goods or any dwelling)given as security under this Agreement or for any other loan You may have with
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 3 of 6SEE PAGE 1 AND 2 for more important information about Your Account For Diamond Premier/Diamond Cash Back VISA, Your balance is subject to anintroductory discounted Daily Periodic Rate of ________% (correspondingANNUAL PERCENTAGE RATE ________%). Such introductory rate will remain in effect for a period of _____ consecutive months immediately following the datethat such Feature Category is established. As permitted by law, following theexpiration of the introductory rate period, Your balances will be subject to thenon-introductory rate.
For VISA Platinum, Your balance is subject to an introductory discounted DailyPeriodic Rate of ________% (corresponding ANNUAL PERCENTAGE RATE ________%). Such introductory rate will remain in effect for a period of _____consecutive months immediately following the date that such Feature Category isestablished. As permitted by law, following the expiration of the introductory rateperiod, Your balances will be subject to the non-introductory rate.For Share Secured VISA Platinum, Your balance is subject to an introductorydiscounted Daily Periodic Rate of ________% (corresponding ANNUAL PERCENTAGE RATE________%). Such introductory rate will remain in effectfor a period of _____ consecutive months immediately following the date thatsuch Feature Category is established. As permitted by law, following theexpiration of the introductory rate period, Your balances will be subject to thenon-introductory rate.VISA VARIABLE RATE.All VISA advances are subject to a Variable Rate whichis based on the highest Prime Rate as published in the Money Rates Section ofThe Wall Street Journal on the day that any introductory rate expires, andsubsequently on the last business day of each month ("Index") plus Our Margin.The Index plus the Margin equals the Interest Rate. Changes in the Index willcause changes in the Interest Rate on the day that any introductory rateexpires, and subsequently on the first da y of each billing cycle. Increases or decreases in the Interest Rate will result in like increases or decreases in theFinance Charge and may affect the number of Your scheduled payments. YourInterest Rate will never be greater than 18.00% and will apply to Your remainingprincipal balance.DEFAULT ANNUAL PERCENTAGE RATE (EXCEPT VISA). If Your Feature Category Account is at least 30 days past due twice in any 12-consecutive-monthperiod or is 60 or more days past due at any time, the Daily Periodic Rateapplicable to Your entire balance existing at that time and in the future for suchFeature Category will immediately increase to 0.049315% (correspondingANNUAL PERCENTAGE RATE18.00%).VISA PENALTY RATE.If Your VISA Feature Category is 30 but not more than60 days past due twice during any 12-consecutive-month period or 60 days pastdue at any time, subject to applicable law, the Daily Periodic Rate applicable tofuture transactions will increase to a fixed periodic rate of 0.049315%(correspondingANNUAL PERCENTAGE RATE18.00%). If Your VISA Feature Category is more than 60 days past due, subject toapplicable law, the Monthly Periodic Rate applicable to Your entire balance oftransactions existing at that time and in the future will increase to a fixed periodicrate of 0.049315% (correspondingANNUAL PERCENTAGE RATE18.00%). During the six-month period following the effective date of the increase thatoccurred as a result of Your VISA Feature Category being more than 60 dayspast due, upon receipt of the first six consecutive required minimum periodicpayments when due, the rate applicable to the balance of transactions thatoccurred prior to the initial increase will be returned to the standard rate thatwould have otherwise been in effect.OVERDRAFT PROTECTION.We may transfer funds in multiples of $50.00 forYour Personal Line of Credit (or in such increments as We may from time to timedetermine) to Your share draft account by an advance on Your Personal Line ofCredit Feature Category as is applicable, subject to this provision, to clear anyOverdraft on Your share draft account. Whether or not such transfers occur willbe controlled by this Agreement. In any event, You hold Us harmless for any andall liability which might otherwise arise if the transfer does not occur. Overdraftprotection automatically ceases if this Agreement is ever cancelled or terminatedor Your Account is in default.PERIODIC STATEMENTS.On a regular basis, You will receive a statementshowing all transactions on Your Account including amounts paid and borrowedsince Your last statement. We will provide You a statement each month in whichthere is a debit or credit balance or when a Finance Charge is imposed. Weneed not send You a statement if We feel Your Account is uncollectible or if Wehave started collection proceedings against You because You defaulted. EACHSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNTUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERALTRUTH-IN-LENDING ACT.OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no obligation to honor Your Convenience Checks if: (1) by paying aConvenience Check, You would exceed Your Credit Limit; (2) Your Cards orConvenience Checks have been reported lost or stolen; (3) Your Account hasbeen cancelled or has expired. If a postdated Convenience Check is paid and, asa result, any other Convenience Check is returned unpaid, We are notresponsible for any resulting loss or liability.DEFAULT.You will be in default if: (a) You do not make any payment or performany obligation under this Agreement, or any other agreement that You may haveJOINT ACCOUNTS.Each Borrower will be responsible, jointly and severally, forthe repayment of any amounts owed. If any Account access device, such as aPersonal Identification Number (PIN) is requested and approved, You understandthat any such Account access device(s) will be mailed only to the primaryBorrower at the address that We have on file for You. We may refuse to followany 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 theright to repay at any time without penalty. You also understand that You will onlybe charged periodic Finance Charges to the date You repay Your entire balance.You may make larger payments without penalty. Any partial payment orprepayment will not delay Your next scheduled payment. All payments to Usmust be in lawful money of the United States. We may apply each payment towhichever Feature Category We wish. For all Feature Categories (except VISA),payments will be applied first to any Late Charges owing, then to the FinanceCharge due, then to the outstanding principal balance. As permitted by law, Wemay apply VISA payments in the order of Our choosing.Any unpaid portion of the Finance Charge will be paid by subsequent paymentsand will not be added to Your principal balance. You understand that any delay inthe repayment of Your unpaid balance will increase Your periodic FinanceCharges and any acceleration in the repayment of Your unpaid balance willdecrease Your periodic Finance Charges.Personal Line of Credit Minimum Monthly Payments will be established at theclose of each billing cycle at an amount equal to 3.00% of Your then outstanding balance, subject to the lesser of $50.00 or Your balance.Share Secured VISA Platinum, VISA P latinum and Diamond Premier/Diamond Cash Back VISA Minimum Payments will be an amount equal to 2.00% of Yournew unpaid Share Secured VISA Platinum, VISA Platinum or DiamondPremier/Diamond Cash Back VISA balance at the end ofeach billing cycle, subject to the lesser of $25.00 or Your balance, plus any portion of the MinimumPayments shown on prior statement(s) which remains unpaid, plus any amountthat exceeds Your approved Credit Limit.You may, by separate agreement, authorize Us to charge Your payment directlyto Your share or share draft account.LATE CHARGE (EXCEPT VISA). If Your payment is 10 or more days late, You will be charged the greater of $35.00 or 5.00% of the payment due.OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the following fees and charges associated with the use of Your Account: (a) forPersonal Line of Credit, $25.00 for each advance that is triggered by an overdraftof Your share draft account; (b) for Personal Line of Credit, a $35.00 Annual Feethat is required each year to continue credit availability whether or not You usesuch Feature Category throughout the year; and (c) $28.00 for any check (orother negotiable instrument used for payment) which is returned unpaid.FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for theperiod such balance is outstanding. Balances change each time advances aremade, payments are made or credits given under any Feature Category. TheFinance Charge begins to accrue on the date of each advance and there is nograce period.HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature Categories (except VISA), the Finance Charge is determined bymultiplying Your unpaid balance at the cl ose of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is thebalance each day after payments, credits, and unpaid Finance Charges to thatbalance have been subtracted and any new advances, insurance premiums orother charges have been added to Your unpaid balance. These daily FinanceCharges are then added together and the sum is the amount of the FinanceCharge owed for the Feature Category being accounted for. The total FinanceCharge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.VISA FINANCE CHARGES.In the case of any transactions under Your ShareSecured VISA Platinum, VISA Platinum or Diamond Premier/Diamond CashBack VISA Feature Categories, the balances subject to the periodic FinanceCharge are the average daily transactions balances outstanding during themonth (including new transactions). To get the average daily balance, We takethe beginning balance each day, add any new purchases, balance transfers,cash advances, insurance premiums, debit adjustments or other charges andsubtract any payments, credits and unpaid Finance Charges. This gives Us thedaily balance. Then, We add up all the da ily balances for thebillingcycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average dailybalance subject to a Finance Charge by the Daily Periodic Rate times the number of days in thebilling cycle.You can avoid Finance Charges on purchases by paying the full amount of theentire balance owed each month within 25 days of Your statement closing date.Otherwise, the new balance of purchases, and subsequent purchases from thedate they are posted to Your Account, will be subject to a Finance Charge. Cashadvances and balance transfers are always subject to a Finance Charge from thelater of the date they are posted to Your Account or from the first day of the billingcycle in which the transaction is posted to Your Account.
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 4 of 6 with Us; or (b) You should die, become involved in any insolvency, receivershipor custodial proceeding brought by or against You; or (c) You have made a falseor misleading statement in Your credit application and/or in Your representationsto Us while You owe money on Your Account; or (d) A judgment or tax lienshould be filed against You or any attachment or garnishment should be issuedagainst any of Your property or rights, specifically including anyone starting anaction or proceeding to seize any of Your funds on deposit with Us; and/or (e) Weshould, in good faith, believe Your ability to repay Your indebtedness hereunderis or soon will be impaired, time being of the very essence.Upon any occurrence of default, We may, to the extent permitted by law, cancelYour rights under this Agreement, require the return of all access devices anddeclare the entire balance of every Feature Category of Your Accountimmediately due and payable, without prior notice or demand.COLLECTION COSTS.In the event collection efforts are required to obtainpayment on this Account, to the extent permitted by law, You agree to pay allcourt costs, private process server fees, investigation fees or other costs incurredin collection and reasonable attorneys' fees incurred in the course of collectingany amounts owed under this Agreement or in the recovery of any Collateral.ENFORCEMENT.We do not lose Our rights under this or any related agreementif We delay enforcing them. We can accept late payments, partial payments orany other payments, even if they are marked "paid in full" without losing any ofOur rights under this Agreement. If any provision of this or any related agreementis determined to be unenforceable or invalid, all other provisions remain in fullforce and effect.NOTIFICATION OF ADDRESS CHANGE. Y o uw i l ln o t i f yU sp r o m p t l yi fY o u move or otherwise have a change of address.CHANGE IN TERMS.We may change the terms of this Agreement by mailing ordelivering to You written notice of the changes as prescribed by the FederalTruth-In-Lending Act. To the extent permitted by law, the right to change theterms of this Agreement includes, but is not limited to, the right to change theperiodic rate applicable to Your unpaid balance and/or future advances.DEBT CANCELLATION COVERAGE. Debt cancellation coverage is not required for any extension of credit under this Agreement. However, You maypurchase any coverage available through Us and have the costs added to Youroutstanding balance. If You elect to do so, You will be given the necessarydisclosures and documents separately.INTEGRATED DOCUMENTS.Any separate sheet of paper labeled "AdditionalDisclosure - Federal Truth-In-Lending Act," and/or "Credit Line Account AdvanceRequest and Security Agreement" which is delivered together with thisAgreement or at a later date becomes an integrated part of this Agreementand Disclosure.CONSENT TO AGREEMENT.You acknowledge receipt of a copy of thisAgreement. By signing the application; or by using Your Account or any Accountaccess device; or by authorizing another to use Your Account, You agree to andaccept its terms.UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Account application orother financial information related to You, at Our request. You also agreethat We may, from time to time, as We deem necessary, make inquiriespertaining to Your employment, credit standing and financial responsibility inaccordance with applicable laws and regulations. You further agree that We maygive information about the status and payment history of Your Account toconsumer credit reporting agencies, a prospective employer or insurer, or a stateor federal licensing agency having any apparent legitimate business need forsuch information.TERMINATION.Either You or We may cancel Your Account or any particularFeature Category of Your Account, at any time, whether or not You are in default.You will, in any case, remain liable to pay any unpaid balances according to theterms of Your Account.GOVERNING LAW.This Agreement is controlled and governed by the laws ofthe State of Washington except to the extent that such laws are inconsistent withcontrolling federal law.
USE OF YOUR CARD.You may use Your Card to buy goods and services inany place that it is honored and to get cash advances at participating financialinstitutions. You agree not to use Your Card for illegal transactions including, butnot limited to, advances made for the purpose of gambling and/or wageringwhere such practices are in violation of applicable state and/or federal law.OWNERSHIP.Your Card remains Our property and may be cancelled by Us atany time without notice. You agree to surrender Your Card and to discontinue itsuse immediately upon Our request.ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your request, a Personal Identification Number (PIN) for use with participatingAutomated Teller Machines (ATMs). This PIN is confidential and should not bedisclosed to anyone. You may use Your PIN to access Your Account and all sumsadvanced will be added to Your Account balance. In the event a use of Your PINconstitutes an Electronic Fund Transfer, the terms and conditions of YourElectronic Fund Transfer Agreement may also affect Your rights.
EFFECT OF AGREEMENT.Even though the sales, cash advance, credit or otherslips You may sign or receive when using Your Card contain terms, this Agreementis the contract which solely applies to all transactions involving the Card.
UNAUTHORIZED USE.You may be liable for the unauthorized use of Your Card.You will not be liable for the unauthorized use that occurs after You notify Us ofthe loss, theft, or possible unauthorized use. For VISA Platinum, You may notifyUs by calling (866) 820-4053, whereas for Diamond Premier/Diamond Cash BackVISA You may notify Us by calling (866) 820-4084. You may also notify Us of theloss, theft, or possible unauthorized use by writing to Us at Customer Service,P.O. Box 31112, Tampa, FL 33631-3112. In any case, Your liability will notexceed $50.00.REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others toaccept the Cards or Convenience Checks,or electronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards orConvenience Checks.FOREIGN TRANSACTIONS.For transactions initiated in foreign countries andforeign currencies, the exchange rate between the transaction currency and thebilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the rangeof rates available in wholesale currency markets for the applicable centralprocessing date, which rate may vary from the rate VISA itself receives; or (b) thegovernment-mandated rate in effect for the applicable central processing date.For transactions that are initiated in a foreign currency, You will be charged1.00% of the final settlement amount. For transactions occurring in foreigncountries and initiated in U.S. Dollars, You will be charged 0.80% of the finalsettlement amount.TRANSACTION SLIPS.Your monthly statement will identify that merchant,electronic terminal or financial institution at which transactions were made, butsales, cash advances, credit or other slips cannot be returned with the statement.LATE CHARGE.Each billing or statement cycle is at least 28 days in duration and You will be assessed a fee if Your payment is not received by the end of thebilling cycle in which such payment is due. The amount of the fee will equal the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) the lesser of $28.00 or the requiredminimum payment amount for the returned payment for any check (or othernegotiable instrument used for payment) which is returned unpaid; (b) $5.00 foreach replacement Card You request; and (c) $5.00 for each additional Card Yourequest for an authorized user of Your Account.LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit cards or Convenience Checks, You will immediately call Us or write to Us. ForVISA Platinum, You may call us at (866) 820-4053, whereas for DiamondPremier/Diamond Cash Back VISA You may call Us at (866) 820-4084. You mayalso write to Us at Customer Service, P.O. Box 31112, Tampa, FL 33631-3112.CREDITS.If a merchant who honors Your Card gives You credit for returns oradjustments, they will do so by sending Us a slip which will be posted to YourAccount. If Your credits and payments exceed what You owe Us, We will hold andapply this credit against future purchases and cash advances, or if it is $1.00 ormore refund it on Your written request or automatically deposit it to Your ShareAccount after six months.This notice tells You about Your rights and Our responsibilities under the FairCredit Billing Act.If You think there is an error on Your statement, write to Us at CustomerService, P.O. Box 31112, Tampa, FL 33631-3112. In Your letter, give us thefollowing information:Account
information : Your name and Account number.Dollar
amount : The dollar amount of the suspected error.Description
ofproblem : If You think there is an error on Your bill, describewhat 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 three business days before an automated payment is scheduled, ifYou 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 Youdo We are not required to investigate any potential errors and You may have topay the amount in question.SPECIFIC TERMS APPLICABLE TO YOURSHARE SECURED VISA PLATINUM, VISA PLATINUMAND DIAMOND PREMIER/DIAMOND CASH BACK VISA CREDIT CARDSWhatToDoIfYou Find AMistake OnYour StatementYour Billing Rights: Keep thisDocument forFuture Use
.....
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 5 of 6 What WillHappen After WeReceive Your Letter
......cannot report You as delinquent without also reporting that You are questioningYour bill. We must tell You the name of anyone to whom we reported You asdelinquent, and We must let those organizations know when the matter has beensettled between Us. If We do not follow all of the rules above, You do not have topay the first $50.00 of the amount You question even if Your bill is correct.Your
Rights IfYou AreDissatisfied With Your Credit Card Purchases
If You are dissatisfied with the goods or services that You have purchased withYour Credit Card, and You have tried in good faith to correct the problem with themerchant, 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 ofYour current mailing address, and the purchase price must have been morethan $50.00. (Note: Neither of these are necessary if Your purchase wasbased on an advertisement We mailed to You, or if We own the company thatsold You the goods or services.)2) You must have used Your Credit Card for the purchase. Purchases made withcash advances from an ATM or with a check that accesses Your Credit Cardaccount 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 writing at Our address shown in this Agreement.While We investigate, the same rules apply to the disputed amount as discussedabove. After We finish Our investigation, We will tell You Our decision. At thatpoint, if We think You owe an amount and You do not pay, We may report Youas delinquent.When We receive Your letter, We must do two things:1) Within 30 days of receiving Your letter, We must tell You that We receivedYour letter. We will also tell You if We have already corrected the error.2) Within 90 days of receiving Your letter, We must either correct the error orexplain to You why We believe the bill is correct.While We investigate whether or not there has been an error:We cannot try to collect the amount in question, or report You asdelinquent on that amount.The charge in question may remain on Your statement, and We maycontinue to charge You interest on that amount.While You do not have to pay the amount in question, You are responsiblefor 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
Wemade amistake : You will not have to pay the amount in question orany interest or other fees related to that amount.If
Wedonotbelieve there was amistake : You will have to pay the amount in question, along with applicable interest and fees. We will send You astatement 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 writeto Us within 10 days telling Us that You still refuse to pay. If You do so, We
Copyright Oak Tree Business Systems, Inc., 2009-2016. All Rights Reserved. OTBS 016 GESA (1/16) Page 6 of 6