VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT   M-120639 (04/18) 
                         TINKER FEDERAL CREDIT UNION - VISA SIGNATURE 
   Interest Rates and Interest Charges 
   ANNUAL PERCENTAGE 
                     0.00% introductory rate on purchases for 6 months from date of account opening; thereafter, the APR is set 
   RATE (APR) for 
                     by your credit rating at the time of account opening.* 
   Purchases 
                      
                     Rate 1 � 12.00%      Rate 2 � 14.00%      Rate 3 �16.00% 
                     The APR will vary with the market based on the Prime Rate.   
   APR for Balance 
                     0.00% introductory rate on balance transfers for 6 months on balance transfers that occur within the first 60 
   Transfers 
                     days of account opening; thereafter, the APR is set by your credit rating at the time of account opening.* 
   0% Introductory Rate is not  
                      
   available for transfers from 
   current TFCU credit card   Rate 1 � 14.00%      Rate 2 � 16.00%      Rate 3 � 18.00% 
   accounts.         Balance transfer APR: The current program APR which will be set by your credit rating at the time of account 
   See �Other Terms� Below  opening.* The APR will vary with the market based on the Prime Rate. 
   APR for Cash Advances  Rate 1 � 14.00%      Rate 2 � 16.00%      Rate 3 � 18.00% 
                     Cash advance APR: The current program APR which will be set by your credit rating at the time of account 
                     opening.* The APR will vary with the market based on the Prime Rate. 
   Paying Interest   Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on 
                     purchases if you pay your entire balance by the due date each month.  We will begin charging interest on cash 
                     advances and balance transfers on the transaction date. 
   For Credit Card Tips  To learn more about factors to consider when applying for or using a credit card, visit the website of the 
   from the Consumer  Consumer Financial Protection Bureau at 
   Financial Protection  http://www.consumerfinance.gov/learnmore 
   Bureau 
   Fees 
   Set-Up and Maintenance   
   Fees               
   ? Annual Fee      $20 
   Transaction Fees   
   ? Balance Transfer Fee  2.50% 
   ? Cash Advance Fee  2.00% 
   ? Foreign Transaction  1% of each transaction in U.S. dollars. 
   Penalty Fees       
   ? Late Payment    Up to $22 -If your minimum monthly payment is not received by us on the due date on your monthly statement, 
                     we may impose a late fee of up to $22 which will be reflected on the following monthly statement.  
   ? Returned Check Fee  Up to $20 - the Credit Union may charge a return check fee for each return by a bank or other depository 
                     institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as 
                     payment on the credit card account. 
   Other Fees         
   ? Statement Copy  $2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s). 
   ? Ticket Copy     The Credit Union may charge for each duplicate copy of requested sales slip(s).  However, if the request for a 
                     duplicate copy of a sales slip is in connection with any disputed billing matter, (see �YOUR BILLING 
                     RIGHTS�), a fee will not be imposed. 
                     $25  - Travel and Entertainment documents 
                     $6  -   Original sales slip 
                     $5  -   Photocopy of sales slip 
   ? Card Replacement Fee  $13 - the Credit Union may charge for each credit card that is reissued prior to the current cards expiration date. 
  How We Will Calculate Your Balance:  We use a method called �Average Daily Balance (including new purchases).�  See the INTEREST 
   CHARGE CALCULATION METHODS section of this cardholder agreement for more details. 
   Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder agreement under 
  the YOUR BILLING RIGHTS section. 
  *The credit score ranges are as follows: Rate 1 (700 and above) Rate 2 (660 to 699) Rate 3 (0 to 659) 
   Your account must be open to receive a Year-End Purchase Summary and to use other program benefits. 
  Other Terms: IMPORTANT NOTICE TO CURRENT TFCU CREDIT CARD ACCOUNT HOLDERS If you currently have a credit card issued by TFCU and you decide to 
   apply to instead use the new VISA Signature Cash-Back credit card to be issued by TFCU, there are a number of important disclosures of terms for you to consider first before you 
  apply.  You will not be charged the 2.50% balance transfer fee for transfers from your current TFCU-issued credit card, but you will NOT receive the promotional rate of 0% APR 
  for 6 months.  Instead, you will be required to continue to pay Prime Rate plus the percentage rates set based on your credit score at the time you opened the account on any amounts 
   you transfer to this card.  You will also be paying an interest rate which will be the HIGHER RATES on the chart for your specific type of card on all new purchases, balance 
  transfers, and cash advances if you do not pay off the entire outstanding balance each month before the 25-day grace period to make your payment expire each month.  You also will 
   pay a new 2.50% balance transfer fee on all balance transfers from other lenders.  You will be paying a new 2.00% fee on all cash advances.  On your current account you do not 
  have any fee on balance transfers or cash advances, although both do immediately begin to accrue interest, just as they will on this new account, but at the lower rates instead of the 
  higher interest rate you will pay on the new account.  You will be paying a $20 annual fee.  You will lose any CURewards points you may have if you close your current account 
  before the points are used.  Lower credit limits may be set on the new account and you will not be permitted to transfer balances if you choose to keep your current card and also 
  apply for the new account, and your credit score may be affected. 
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                 DEFINITIONS                  
  Except as the context otherwise requires (a) �Account(s)� means  INTEREST CHARGE CALCULATION METHODS 
  my Visa Signature credit card account established with Tinker  The interest charge calculation method applicable to your account 
  Federal Credit Union and governed by this Agreement; (b) �Issuer�  for cash advances and credit purchases of goods and services that 
  and/or �Credit Union� means Tinker Federal Credit Union of P.O.  you obtain through the use of your card is explained below.  
  Box 45750, Tinker Air Force Base, Oklahoma 73145; (c) �I,�  Calculation Method A is used to determine the interest charge on 
  �Me,� �We,� �My,� �Our,� �Mine,� �Us,� �You,� �Your,� and  cash advances.  Calculation Method G is used to determine the 
  Cardholder(s)� mean all persons who have signed the application  interest charge on purchases of goods or services. 
  for Visa Signature and/or used or permitted others to use the card;   
  (d) the �Card� or �Cards� means the Visa Signature card(s)  Method A � The interest charge on cash advances begins to accrue 
  enclosed herewith; (e) �Agreement� means this document; (f)  on the date you obtain the cash advance or the first day of the 
  �Cash Advance� means all cash advances obtained at any time  billing cycle in which it is posted to your account, whichever is 
  through the use of the card from any financial institution authorized  later.  The interest charges for a billing cycle are computed by 
  to honor the cards; (g) �Credit Limit� means the dollar amount  applying the daily periodic rate to the average daily balance 
  Credit Union approved against which I may borrow in accordance  multiplied by the number of days in the billing cycle OR the 
  with this Agreement; (h) �Application� means the credit application  monthly periodic rate to the average daily balance during the billing 
  I/We filled out and signed which is incorporated herein and made a  cycle, which is determined by dividing the sum of the daily 
  part of this Agreement; (i) �Prime Rate� means the rate published  balances during the billing cycle by the number of days in the cycle.  
  daily in The Wall Street Journal  under the caption �Money  Each daily balance is determined by adding to the previous balance 
  Rates� and described as the base rate on corporate loans at large  (the outstanding balance of your account at the beginning of the 
  United States money center commercial banks.  If the �Prime Rate�  billing cycle) any new credit purchases posted to your account and 
  so published is a range, the �Prime Rate� will mean the highest of  any new cash advances received, and subtracting any payments as 
  the published range.                       received or credits as posted to your account, but excluding any 
                                             unpaid interest charges.  
          AGREEMENT TO EXTEND CREDIT          
  Credit Union agrees to extend credit to cardholder and advance  Method G � The interest charge on credit purchases begins to 
  amounts, up to cardholder�s credit limit, to pay for:  (i) all  accrue on the date each purchase is posted to your account.  To 
  purchases of goods and services of whatever type and nature made  avoid incurring an interest charge on the balance of credit purchases 
  at any time through the use of the card at businesses authorized to  reflected on your monthly statement and on any new credit 
  honor a card, and (ii) all cash advances obtained at any time through  purchases appearing on your next statement, you must pay the new 
  the use of the card from any financial institution or ATM authorized  balance shown on your monthly statement on or before the payment 
  to honor a card.                            due date.  The interest charges for a billing cycle are computed by 
                                              applying the daily periodic rate to the average daily balance 
        PROMISE TO PAY AND PERSONS LIABLE    multiplied by the number of days in the billing cycle OR the 
  By signing the application, retaining, and/or using the card(s) or  monthly periodic rate to the average daily balance of credit 
  allowing an authorized party to use the card(s), I/We promise to pay  purchases, which is determined by dividing the sum of the daily 
  to Credit Union, or anyone Credit Union designates, all amounts  balances during the billing cycle by the number of days in the cycle.  
  loaned under this Agreement plus the applicable interest charges,  Each daily balance is determined by adding to the previous balance 
  attorney�s fees, court cases or other amounts that I/We owe Credit  of credit purchases, any new credit purchases posted to your 
  Union.  If more than one person applies for the card(s), each person  account and subtracting any payments as received and credits as 
  will be issued a card and will be a cardholder under this Agreement.   posted to your account, but excluding any unpaid interest charges.   
  The cardholder whose name appears first on the application will be   
  considered the �Primary Cardholder.�  The cardholder will be  VARIABLE RATE DISCLOSURE 
  responsible for all purchases, cash advances, and all interest charges  The Annual Percentage Rate is initially determined by your credit 
  imposed under this Agreement.  If there is more than one  rating.  I understand that the monthly periodic rates and the Annual 
  cardholder for the account, each cardholder will be liable for all  Percentage Rates are variable rates that may change from time to 
  amounts payable on the account regardless of which cardholder is  time.  The current effective rates are disclosed on the insert the 
  responsible for incurring such amounts.  Each cardholder will also  Credit Union has furnished to me based on my credit score at the 
  be responsible for complying with all of the other terms of this  time of account opening.  My Annual Percentage Rate (APR) 
  Agreement.                                  may change (increase or decrease) from time to time based on 
                                              movements in the Prime Rate, published in The Wall Street 
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                 CREDIT LIMIT                Journal on the 25   calendar day prior to the beginning of the 
  The Credit Union has established an initial credit limit for  calendar quarter.  If this date falls on a weekend or holiday, the 
  cardholder�s account(s) and reserves the right at any time, at  published rate on the next business day will be utilized.  My new 
  cardholder�s request or otherwise, to change the amount of credit  rate will not become effective until after the end of my current 
  available through cardholder�s Visa Signature account(s).   billing cycle in which movement of the Prime Rate dictates a 
  Cardholder agrees not to incur charges or to permit others to incur  change to the Annual Percentage Rate currently in effect.  
  charges that would result in credit in excess of cardholder�s   
  authorized amount.  The Credit Union does not allow over-the-limit  For purchases: 
  charges as a term of this product.  If the credit limit should be  Rate 1 � If I receive Rate 1, the APR will be determined by adding  
  exceeded, for any reason, even inadvertently, cardholder agrees to  7.5% to the Prime Rate. 
  pay the amount over the limit immediately upon notice from the  Rate 2 � If I receive Rate 2, the APR will be determined by adding  
  Credit Union.  Examples of inadvertent excess of credit limit  9.5% to the Prime Rate. 
  include, but are not limited to, returned payments and merchant  Rate 3 � If I receive Rate 3, the APR will be determined by adding  
  authorizations.                             11.5% to the Prime Rate. 
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                                             affect or impair the obligation of cardholder to pay all sums due on 
  For balance transfers and cash advances:   an account in accordance with the terms hereof.  Notices hereunder 
  Rate 1 � If I receive Rate 1, the APR will be determined by adding   shall be effective only if given in writing to Credit Union at its 
  9.5% to the Prime Rate.                    office and to cardholder at my last known mailing address, as 
  Rate 2 � If I receive Rate 2, the APR will be determined by adding   shown on Credit Union�s records.  
  11.5% to the Prime Rate.                    
  Rate 3 � If I receive Rate 3, the APR will be determined by adding   OWNERSHIP OF CARDS 
  13.5% to the Prime Rate.                   Card(s) shall at all times remain the property of the Credit Union; 
                                             the cardholder agrees to surrender them upon demand.  The Credit 
  The periodic rate will be adjusted after the end of my current billing  Union may revoke the credit cards and cancel my line of credit if 
  cycle in each calendar quarter in which movement of the Prime  issuer reasonably believes prospects of repayment are impaired, 
  Rate dictates a change.  Calendar quarters begin January 1, April 1,  then the unpaid balance becomes immediately due and payable at 
  July 1, and October 1 of each year.  I understand that my monthly  once and my line of credit is cancelled.  If Credit Union revokes the 
                 th
  periodic rate will be 1/12  of the applicable APR.  If there is an  credit cards and cancels the credit line, this does not affect 
   increase in the Prime Rate, my minimum monthly payment may  cardholder�s obligations to repay the credit union.  Cardholder may 
   also increase.  Likewise, if the Prime Rate decreases, my minimum  cancel account by written notice and return of the cut cards to the 
   monthly payment may also decrease.  However, in no event will  Credit Union�s Credit Card Department 
   the Annual Percentage Rate exceed 18.0% (which corresponds to   
   a monthly rate of 1.5%)                                  AMENDMENT 
                                             I agree that the terms of this Agreement are applicable to any 
              MONTHLY PAYMENTS               cardholder. I also agree that Credit Union may change the terms of 
   Cardholder(s) agree to pay monthly on or before the payment due  this Agreement at any time with written notice required by law 
   date either: (i) the total �New Balance� which includes any of the  before the change becomes effective.  Any changes to the 
   previous unpaid balances, purchases, cash advances, payments and  Agreement may apply to all outstanding indebtedness incurred 
   credits or (ii) at least the �Minimum Payment� required, which is  before, on, or after the effective date of the changes.  Cardholder�s 
   the greater of $15.00 or 3% of the outstanding �New Balance� as  failure to terminate the account prior to the effective date of an 
   shown on the monthly statement.  Payment �Due Date� on the  Amendment shall constitute acceptance of such Amendment.  To 
   statement is twenty-five (25) days from the statement�s �Closing  terminate the account, all credit cards must be returned to Tinker 
   Date.�  The amounts paid as part of the Minimum Payment and all  Federal Credit Union Credit Card Department and the cardholder 
   amounts paid over the Minimum Payment are applied to balances as  will be required to pay the account in accordance with the terms of 
   permitted by law.  We do not charge interest on interest.  the Cardholder Agreement and Disclosure Statement. 
                                              
    All payments shall be considered made when received on any  CHOICE OF LAW 
   business day (excluding federal holidays), when received at Tinker  I acknowledge and understand that the obligations under this 
   Federal Credit Union�s billing address, P.O. Box 45750, Tinker  Agreement represented by charges to my account(s) were 
   AFB, OK 73145, and when accompanied by the return portion of  contracted for and became binding when the sales drafts, card slips 
   the cardholder statement                  or other credit devices were accepted by the Credit Union and 
                                             caused the holder of the same to be paid, and this occurred in 
    CREDIT CARD LOSS OR FRAUDULENT TRANSFERS  Oklahoma County, and the courts of Oklahoma County shall have 
   Under the Fair Credit Billing Act, your liability for unauthorized  venue to try controversies arising out of this agreement.  If any 
   use of your card is capped at $50.  However, if you report the loss  portion of the Agreement is determined to be unenforceable, it will 
   of your card before your credit card is used, you are not responsible  not make any other part unenforceable. 
   for any charges you did not authorize.  Likewise, if you exercise   
   reasonable care in safeguarding your card from loss or theft and  IRREGULAR PAYMENTS: DELAY IN ENFORCEMENT 
   promptly report any loss or theft of your card to TFCU you have  The Credit Union can accept late payments, partial payments, 
  ZERO liability.  TFCU must be notified of loss, theft, or possible  checks and money orders marked �Paid in Full� or language having 
  unauthorized use of the credit card by notification in person, by  the same effect without losing any of the cardholder�s rights under 
  calling (405) 319-2255 or (800) 456-4828 ext. 2255, or by writing  this Agreement.  The Credit Union can also delay enforcing our 
  to TFCU at P.O. Box 45750, Tinker AFB, Oklahoma 73145, Attn:  rights under this Agreement any number of times without losing 
  Credit Card Department.  If your credit card number is stolen, but  them.  The fact that the Credit Union may honor a purchase or cash 
  not the card, you are not liable for any unauthorized use.  If you  advance in excess of the credit limit does not obligate the Credit 
  dispute any transaction, while we investigate, you must timely pay  Union to do so thereafter.   
  other amounts owing, including finance charges on the disputed   
  amount.                                                         
                                                         EVENTS OF DEFAULT 
               ATTORNEY�S FEES               I will be in default under this Plan and Agreement if any of the 
   Cardholder agrees to pay all reasonable costs of collection including  following events shall occur:  
   reasonable attorney�s fees not in excess of fifteen percent (15%) of  (a) If I fail to comply with the minimum payment or any other 
   the unpaid debt, court costs, and other lawful charges incurred by  terms or conditions of this Agreement I may have with you; 
   the Credit Union in collecting the cardholder�s indebtedness,  (b)  If I should die or become insolvent; 
   whether or not suit is brought.           (c) If a petition should be filed or other proceeding should be 
                                                started under the Federal Bankruptcy Code or any State 
            DISCLAIMER OF LIABILITY             insolvency Statute by or against me; 
   The Credit Union shall not be responsible if a merchant or financial 
   institution shall refuse to honor any card.  Refusal to honor shall not 
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  (d) If a receiver should be appointed or a writ or order of  Internet gambling will generally be deemed to be unlawful unless it 
     attachment, levy or garnishment should be issued against me or  is expressly authorized by license issued by an appropriate State or 
     any of my property, assets or income;   Tribal authority. 
  (e)  If Credit Union should consider itself or any debts due under   
     this Agreement unsafe or not completely secure of if Credit  CREDIT INVESTIGATION 
     Union should believe, in good faith, that the chances of my  Since Credit Union has the sole right to approve my application and 
     paying or performing all of my obligations under this  allow me to use the card(s) now and in the future, I authorize Credit 
     Agreement have been impaired; or        Union at any time to make or have made whatever credit 
  (f) If anything in the application or use of this card is  investigation Credit Union feels is proper to evaluate my credit, 
     misrepresented or used for any fraudulent purchase.  personal or financial standing and /or employment, and I authorize 
                                             Credit Union to share my credit experience with credit bureaus.  I 
              ENTIRE BALANCE DUE             also agree to furnish Credit Union current financial statements in 
  If any of the above events of default should occur, my entire  such details as Credit Union may require on an annual basis and 
  outstanding balance shall immediately become due and payable,  more frequently at Credit Union�s request.   
  without Credit Union notifying me, with interest due on the balance   
  at the applicable APR as provided herein per year until paid, and   
  Credit Union�s obligations to honor my use of the card to get credit  For the purpose of the following sections only, �You�/�Your� 
  extensions from anyone or to make further advances to me shall, at  means all persons who have signed the application for VISA 
  Credit Union�s option, and without notice, immediately end.  If I  Signature and used or permitted others to use the card; and 
  fail to pay the outstanding balance immediately, on Credit Union�s  �Us�/�We� means Tinker Federal Credit Union of PO Box 45750, 
  demand, I agree to pay all of Credit Union�s collection expenses,  Tinker Air Force Base, Oklahoma 73145. 
  including Credit Union�s reasonable attorney�s fees.   
                                              CASH BACK REWARDS PROGRAM (�Program�) TERMS 
    FOREIGN EXCHANGE RATE AND INTERNATIONAL               AND CONDITIONS 
          SERVICE ASSESSEMENT (ISA) FEE       Cash back rewards cannot be earned until a Signature Rewards 
  On all international purchases, credit vouchers, and cash  Card has been received from Tinker Federal Credit Union 
  disbursements (which would include credit purchases and cash  (�TFCU�) and activated by you and used for purchases.  Only 
  advances), i.e. all transactions where a merchant country differs  Signature Rewards Card accounts will qualify to accumulate cash 
  from the country of the card issuer (1) the foreign exchange rate  back rewards.  Any benefit from other Signature Rewards Card 
  which will be charged will be a rate selected by VISA from the  accounts cannot be transferred or combined.  Cash accrual is not 
  range of rates available in wholesale currency markets for the  transferable to other programs.  Signature Rewards Card is not 
  applicable processing date (which may vary from the rate VISA  associated with any other credit card or rewards offered by TFCU.  
  itself receives) or the government mandated rate in effect for the  If you have any CURewards points available on any other account 
  applicable central processing date and (2) in addition, a one percent  with TFCU, you should use those CURewards points before you 
  (1%) International Service Assessment (ISA) fee will be charged.  close that account and open this account or you will lose those 
                                              points. 
             ILLEGAL TRANSACTIONS              
  A credit card may not be used for an illegal transaction.  Certain  Cash back rewards will be provided in the form of a statement 
  transactions are prohibited from being processed through your  credit.  Cardholders will need to enroll in the Cash Back Mall 
  account with the Credit Union under the Unlawful Internet  in order to receive their statement credit.  Cardholders will 
  Gambling Enforcement Act of 2006 (�the Act�) and related  need to enroll their share account in Home Branch, then enroll 
  regulations issued by the Board of Governors of the Federal  their credit card for online account access, and Cash Back Mall.  
  Reserve System and the United States Department of the Treasury  Alternatively, cardholders may call 1-855-799-8130 and request 
  (�Regulation GG�).  The Credit Union is required by the Act and  to redeem their points for statement credit.  . 
  Regulation GG to inform you of this restriction.     
                                              You earn cash back rewards for eligible retail purchases less 
  The transactions which are prohibited are the following transactions  any credits, returns and adjustments made by you or the 
  or transmittals involving any credit, funds, instrument, or proceeds  merchant to those purchases. 
  that the Act prohibits any person engaged in the business of betting   
  or wagering (except for the activities of a financial transaction  You earn 2.0% cash rewards for every $1 of all gas purchases at 
  provider, or any interactive computer service or  the pump up to an $1,800 annual maximum.  You earn 1.0% 
  telecommunications service) from knowingly accepting, in  cash rewards for every $1 for all other eligible purchases. 
  connection with the participation of another person in unlawful   
  Internet gambling:                          Eligible purchases do not include cash advances, balance 
                                              transfers, convenience checks, fees, finance charges, cash 
  ? Credit, or the proceeds of credit, extended to or on behalf of such  transactions, and disputed or unauthorized purchases or 
  person (including credit extended through the use of a credit card);  fraudulent transactions.  You also should be aware that you are 
  ? An electronic fund transfer, or funds transmitted by or through a  charged a balance transfer fee of 2.50% in addition to interest 
  money transmitting business, or the proceeds of an electronic fund  on all balance transfers (except those that occur within the first 
  transfer or money transmitting service, from or on behalf of such  60 days of account opening), a cash advance fee of 2.00% in 
  other person; and                           addition to interest on all cash advances, and we will begin to 
  ? Any check, draft, or similar instrument that is drawn by or on  charge interest on both cash advances and balance transfers on 
  behalf of such other person and is drawn on or payable at or through  the transaction date. 
  any financial institution.                   
   
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  The cash back rewards will show cumulatively on your monthly  AUTOMATIC UPDATE SERVICE 
  billing statement as �Rebate Rewards Activity�.  Accrual for cash  As part of the services provided by VISA, VISA now requires card 
  back rewards will begin on the first day of the billing cycle that  issuers to participate in the VISA Automatic Updater (�VAU�) 
  includes the date you open a Signature Reward Card account and  services. VISA will monitor changes to your account information 
  begin making eligible retail purchases.  No retroactive cash back  and automatically update your account information, if changes to 
  rewards accrual will be awarded.           your account are detected by VISA. The auto-updated information 
                                             may include a change in your name, card account number, and other 
  Cash accrual earned will only be credited in accounts that are open,  important and relevant information impacting your card account 
  in good standing, not over limit, and not past due (i.e., you have  and potential activity; this will allow you to continue to use your 
  made at least the minimum payment by your billing due date).  If  card without interruption. If you do not want your information to be 
  we close your card account, you will no longer be able to earn your  automatically updated by VISA, then please contact us to discuss 
  cash back rewards, and you will forfeit any accumulated cash back  options. 
  rewards.  If you close or convert your card account, you will no   
  longer be able to earn cash back rewards, and any eligible cash back  YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT FOR 
  rewards prior to account closure will be forfeited.       FUTURE USE 
                                                     This notice tells you about your rights and our 
  Your qualified cash back rewards also will be forfeited if you have  responsibilities under the Fair Credit Billing Act. 
  closed your membership share/savings at TFCU.   
                                                WHAT TO DO IF YOU FIND A MISTAKE ON YOUR 
  If your card appears to be involved in any fraudulent, abusive or  STATEMENT 
  suspicious activity, we may close or suspend your card account  If you think there is an error on your statement, write to us at Tinker 
  immediately without giving you prior notice and you will also  Federal Credit Union, P.O. Box 45750, Tinker AFB, Oklahoma 
  forfeit your accrued eligible cash back rewards.  73145, Attn: Credit Card Department. 
                                              
  Each month you will have to pay the entire most current billing  In your letter give us the following information: 
  statement balance in full, excluding the 0% promotional  ?  Account information: Your name and account number. 
  balances, in order to meet the grace period on purchases.   ?  Dollar amount: The dollar amount of the suspected error. 
  Otherwise, interest will be charged on purchases as well as  ?  Description of problem: If you think there is an error on 
  balance transfers and cash advances.            your bill, describe what you believe is wrong and why you 
                                                  believe it is a mistake. 
  The cash back rewards have no cash value.  You may not assign,   
  transfer or pledge your cash back rewards.  You have no property  You must contact us: 
  rights or other legal interest in the cash back rewards.    ?  Within 60 days after the error appeared on your statement. 
   
                                               ?  At least 3 business days before an automated payment is 
  The laws of the State of Oklahoma govern the Program and these 
                                                  scheduled, if you want to stop payment on the amount you 
  Terms and Conditions.  This Program is void where prohibited by 
                                                  think is wrong. 
  federal, state or local law. 
                                                
   
                                             You must notify us of any potential errors in writing.  You may call 
  We reserve the right to change or terminate this Program upon 
                                             us, but if you do we are not required to investigate any potential 
  notice to you.  If you default under your card agreement you may 
                                             errors and you may have to pay the amount in question. 
  lose all cash back rewards accumulated.   
                                              
   
                                                          WHAT WILL HAPPEN AFTER WE 
  Determination and payment of any tax liability on cash back 
                                                             RECEIVE YOUR LETTER 
  rewards are the responsibility of the Cardholder.   
                                             When we receive your letter, we must do two things: 
   
                                                1.  Within 30 days of receiving your letter, we must tell you 
                                     th
  All cash back rewards points expire at the end of the 4  year 
                                                  that we received your letter.  We will also tell you if we 
  after which they were earned.  For example, points earned in 
                                                  have already corrected the error. 
  April 2017 will expire on your billing date in December 2020. 
                                                2.  Within 90 days of receiving your letter, we must either 
   
                                                  correct the error or explain to you why we believe the bill 
   
                                                  is correct. 
      YOUR PERSONAL IDENTIFICATION NUMBER 
                                              
  Within the next few days, you will be receiving a Personal 
                                             While we investigate whether or not there has been an error: 
  Identification Number (PIN).  This personal identification number 
                                               ?  We cannot try to collect the amount in question, or report 
  is being assigned to your account to allow you access to ever-
                                                  you as delinquent on that amount. 
  expanding networks of automated teller machines (ATMs) in this 
                                               ?  The charge in question may remain on your statement, and 
  area, across the country, and overseas.  Because each ATM is 
                                                  we may continue to charge you interest on that amount. 
  slightly different, simply insert your card in the slot and follow the 
                                               ?  While you do not have to pay the amount in question, you 
  directions that will appear on the screen.  Some important directions 
                                                  are responsible for the remainder of your balance. 
  will come with the identification number, and we ask that you 
                                               ?  We can apply any unpaid amount against your credit limit. 
  follow those instructions carefully to protect your card from 
                                              
  unauthorized use.   
                                             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 that 
   
                                                  amount.   
   
                                                                                   5 
    ?  If we do not believe there was a mistake:  You will have to 
       pay the amount in question, along with applicable interest 
       and fees.  We will send you a statement of the amount you 
       owe and the date payment is due.  We may then report you 
       as delinquent if you do not pay the amount we think you 
       owe. 
   
  If you receive our explanation but still believe your bill is wrong, 
   you must write to us within 10 days telling us that you still refuse to 
   pay.  If you do so, we cannot report you as delinquent without also 
   reporting that you are questioning your bill.  We must tell you the 
   name of anyone to whom we reported you as delinquent, and we 
   must let those organizations know when the matter has been 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 bill is correct. 
     
   YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR 
            CREDIT CARD PURCHASES 
   If you are dissatisfied with the goods or services that you have 
   purchased with your credit card and you have tried in good faith to 
   correct the problem with the merchant, you may have the right not 
   to pay the remaining amount due on the purchase.  
    
   To use this right, all of the following must be true: 
     1.  The purchase must have been made in your home state or 
       within 100 miles of your current mailing address, and the 
       purchase price must have been more than $50.  (Note: 
       Neither of these are necessary if your purchase was based 
       on an advertisement we mailed to you, or if we own the 
       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 
       a check that access 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 writing at: 
   
  Tinker Federal Credit Union 
  P.O. Box 45750 
  Tinker AFB, OK  73145 
  Attn: Credit Card Department 
     
  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 any amount 
  and you do not pay, we may report you as delinquent. 
                                                                                   6 
      IMPORTANT NOTICE TO TFCU               Prime Rate = PR        M-123238 M-120639 
                                             In December 2017 Prime Rate    VISA Platinum  VISA Signature Cash-Back Product 
     VISA PLATINUM ACCOUNT HOLDERS 
                                             Increased from 4.25% to 4.50%      
      
                                             Variable Rates tied to Prime Rate      
     If you currently have a credit card issued by TFCU and you  Purchases     
     decide to apply to instead use the new VISA Signature Cash- Rate 1 (700+)  PR + 5.5%           PR + 7.5% 
                                                  Rate 2 (660-699)         PR + 6.5%                PR + 9.5% 
     Back credit card to be issued by TFCU, there are a number 
                                                  Rate 3 (659-)            PR + 7.5%               PR + 11.5% 
     of important disclosures of terms for you to consider first 
                                               Balance Transfers/Cash Advance     
     before you apply.  You will not be charged the 2.50%  Rate 1 (700+)   PR + 5.5%                PR + 9.5% 
     balance transfer fee for transfers from your current TFCU- Rate 2 (660-699)  PR + 6.5%        PR + 11.5% 
                                                  Rate 3 (659-)            PR + 7.5%               PR + 13.5% 
     issued credit card, but you will  NOT receive the 
                                             Rates (Account Opening)                
     promotional rate of 0% APR for 6 months.  Instead, you will 
                                               APR for Purchases           3.99% 6mo                0.00% 6mo 
     be required to continue to pay Prime Rate plus the  Rate 1 (700+)      10.00%                    12.00% 
     percentage rates set based on your credit score at the time  Rate 2 (660-699)  11.00%            14.00% 
                                                  Rate 3 (659-)             12.00%                    16.00% 
     you opened the account on any amounts you transfer to this 
                                               APR for Balance Transfers              0.00% 6mo if transferred in 1st 60 days 
     card.  You will also be paying an interest rate which will be 
                                                  Rate 1 (700+)             10.00%                 fee + 14.00% 
     the HIGHER RATES on the chart for your specific type of  Rate 2 (660-699)  11.00%             fee + 16.00% 
     card on all new purchases, balance transfers, and cash  Rate 3 (659-)  12.00%                 fee + 18.00% 
                                               APR for Cash Advances                     immediately when account opens 
     advances if you do not pay off the entire outstanding balance 
                                                  Rate 1 (700+)             10.00%                 fee + 14.00% 
     each month before the 25-day grace period to make your 
                                                  Rate 2 (660-699)          11.00%                 fee + 16.00% 
     payment expire each month.  You also will pay a  new  Rate 3 (659-)    12.00%                 fee + 18.00% 
     2.50% balance transfer fee on all balance transfers from  Penalty APR and when it applies  25 days  25 days 
                                                                                    
     other lenders.  You will be paying a new 2.00% fee on all  Fees 
                                               Set-up and Maintenance Fees     
     cash advances.  On your current account you do not have 
                                                  Annual Fee                  none                    $20.00  
     any fee on balance transfers or cash advances, although both  Transaction Fees     
     do immediately begin to accrue interest, just as they will on  Balance Transfers  none           2.50% 
                                                  Cash Advance                none                    2.00% 
     this new account, but at the lower rates instead of the higher 
                                                  Foreign Transaction  1.00% / in US dollars   1.00% / in US dollars 
     interest rate you will pay on the new account.  You will be 
                                               Penalty Fees     
     paying a $20 annual fee.  You will lose any CURewards  Late Payment    ?$22.00                  ?$22.00 
     points you may have if you close your current account  Return Check Fee  ?$20.00                ?$20.00 
                                               Other Fees     
     before the points are used.  Lower credit limits may be set 
                                                  Statement Copy             $2.00                     $2.00  
     on the new account and you will not be permitted to 
                                                  Ticket Copy     
     transfer balances if you choose to keep your current card  Travel & Entertainment  $25.00        $25.00  
     and also apply for the new account, and your credit score  Original Sales Slip  $6.00             $6.00  
                                                    Photocopy of Sales Slip  $5.00                     $5.00  
     may be affected. 
                                                  Card Replacement           $13.00                   $13.00  
      
                                             Other Terms            CURewards available  Available for Cash Back 
                                           
                                           
                                                                                                    7 
      
      
                                            Prime Rate = PR       M-121806 M-120639 
                                            In December 2017 Prime Rate    VISA Classic  VISA Signature Cash-Back Product 
     IMPORTANT NOTICE TO TFCU               Increased from 4.25% to 4.50%  Option A    
                                            Variable Rates tied to Prime Rate        
     VISA CLASSIC OPTION A  
                                              Purchases     
     ACCOUNT HOLDERS 
                                                 Rate 1 (700+)              PR + 4.9%               PR + 7.5% 
      
                                                 Rate 2 (660-699)           PR + 5.9%               PR + 9.5% 
     If you currently have a credit card issued by TFCU and you 
                                                 Rate 3 (659-)              PR + 6.9%              PR + 11.5% 
     decide to apply to instead use the new VISA Signature Cash- Balance Transfers/Cash Advance     
     Back credit card to be issued by TFCU, there are a number  Rate 1 (700+)  PR + 4.9%            PR + 9.5% 
                                                 Rate 2 (660-699)           PR + 5.9%              PR + 11.5% 
     of important disclosures of terms for you to consider first 
                                                 Rate 3 (659-)              PR + 6.9%              PR + 13.5% 
     before you apply.  You will not be charged the 2.50% 
                                            Rates (Account Opening)                  
     balance transfer fee for transfers from your current TFCU- APR for Purchases  3.99% 6mo        0.00% 6mo 
     issued credit card, but you will  NOT receive the  Rate 1 (700+)  9.40% 12.00% 
                                                 Rate 2 (660-699)  10.40% 14.00% 
     promotional rate of 0% APR for 6 months.  Instead, you will 
                                                 Rate 3 (659-)  11.40% 16.00% 
     be required to continue to pay Prime Rate plus the 
                                              APR for Balance Transfers               0.00% 6mo if transferred in 1st 60 days 
     percentage rates set based on your credit score at the time  Rate 1 (700+)  9.40% fee + 14.00% 
     you opened the account on any amounts you transfer to this  Rate 2 (660-699)  10.40% fee + 16.00% 
                                                 Rate 3 (659-)  11.40% fee + 18.00% 
     card.  You will also be paying an interest rate which will be 
                                              APR for Cash Advances                      immediately when account opens 
     the HIGHER RATES on the chart for your specific type of 
                                                 Rate 1 (700+)                 9.40% fee + 14.00% 
     card on all new purchases, balance transfers, and cash  Rate 2 (660-699)  10.40% fee + 16.00% 
     advances if you do not pay off the entire outstanding balance  Rate 3 (659-)  11.40% fee + 18.00% 
                                              Penalty APR and when it applies  25 days                25 days 
     each month before the 25-day grace period to make your 
                                            Fees                                     
     payment expire each month.  You also will pay a  new 
                                              Set-up and Maintenance Fees     
     2.50% balance transfer fee on all balance transfers from  Annual Fee     $25.00                  $20.00  
     other lenders.  You will be paying a new 2.00% fee on all  Transaction Fees     
                                                 Balance Transfers             none                   2.50% 
     cash advances.  On your current account you do not have 
                                                 Cash Advance                  none                   2.00% 
     any fee on balance transfers or cash advances, although both 
                                                 Foreign Transaction   1.00% / in US dollars   1.00% / in US dollars 
     do immediately begin to accrue interest, just as they will on  Penalty Fees     
     this new account, but at the lower rates instead of the higher  Late Payment  ?$22.00           ?$22.00 
                                                 Return Check Fee             ?$20.00                ?$20.00 
     interest rate you will pay on the new account.  You will be 
                                              Other Fees     
     paying a $20 annual fee.  You will lose any CURewards 
                                                 Statement Copy                $2.00                   $2.00  
     points you may have if you close your current account  Ticket Copy     
     before the points are used.  Lower credit limits may be set  Travel & Entertainment  $25.00      $25.00  
                                                   Original Sales Slip         $6.00                   $6.00  
     on the new account and you will not be permitted to 
                                                   Photocopy of Sales Slip     $5.00                   $5.00  
     transfer balances if you choose to keep your current card 
                                                 Card Replacement             $13.00                  $13.00  
     and also apply for the new account, and your credit score  Other Terms  CURewards available  Available for Cash Back 
     may be affected.                      
                                           
                                                                                                    8 
      
      
                                             Prime Rate = PR        M-121806 M-120639 
     IMPORTANT NOTICE TO TFCU  
                                             In December 2017 Prime Rate    VISA Classic  VISA Signature Cash-Back Product 
     VISA CLASSIC OPTION B  
                                             Increased from 4.25% to 4.50%  Option B    
     ACCOUNT HOLDERS                         Variable Rates tied to Prime Rate      
                                               Purchases     
     If you currently have a credit card issued by TFCU and you  Rate 1 (700+)  PR + 5.5%           PR + 7.5% 
     decide to apply to instead use the new VISA Signature Cash- Rate 2 (660-699)  PR + 6.5%        PR + 9.5% 
                                                  Rate 3 (659-)            PR + 7.5%               PR + 11.5% 
     Back credit card to be issued by TFCU, there are a number 
                                               Balance Transfers/Cash Advance     
     of important disclosures of terms for you to consider first 
                                                  Rate 1 (700+)            PR + 5.5%                PR + 9.5% 
     before you apply.  You will not be charged the 2.50%  Rate 2 (660-699)  PR + 6.5%             PR + 11.5% 
     balance transfer fee for transfers from your current TFCU- Rate 3 (659-)  PR + 7.5%           PR + 13.5% 
                                             Rates (Account Opening)                
     issued credit card, but you will  NOT receive the 
                                               APR for Purchases           3.99% 6mo                0.00% 6mo 
     promotional rate of 0% APR for 6 months.  Instead, you will 
                                                  Rate 1 (700+)             10.00%                    12.00% 
     be required to continue to pay Prime Rate plus the  Rate 2 (660-699)   11.00%                    14.00% 
     percentage rates set based on your credit score at the time  Rate 3 (659-)  12.00%               16.00% 
                                               APR for Balance Transfers              0.00% 6mo if transferred in 1st 60 days 
     you opened the account on any amounts you transfer to this 
                                                  Rate 1 (700+)             10.00%                 fee + 14.00% 
     card.  You will also be paying an interest rate which will be  Rate 2 (660-699)  11.00%       fee + 16.00% 
     the HIGHER RATES on the chart for your specific type of  Rate 3 (659-)  12.00%                fee + 18.00% 
     card on all new purchases, balance transfers, and cash  APR for Cash Advances       immediately when account opens 
                                                  Rate 1 (700+)             10.00%                 fee + 14.00% 
     advances if you do not pay off the entire outstanding balance 
                                                  Rate 2 (660-699)          11.00%                 fee + 16.00% 
     each month before the 25-day grace period to make your  Rate 3 (659-)  12.00%                 fee + 18.00% 
     payment expire each month.  You also will pay a  new  Penalty APR and when it applies  25 days   25 days 
     2.50% balance transfer fee on all balance transfers from  Fees                 
                                               Set-up and Maintenance Fees     
     other lenders.  You will be paying a new 2.00% fee on all 
                                                  Annual Fee                  none                    $20.00  
     cash advances.  On your current account you do not have 
                                               Transaction Fees     
     any fee on balance transfers or cash advances, although both  Balance Transfers  none            2.50% 
     do immediately begin to accrue interest, just as they will on  Cash Advance  none                2.00% 
                                                  Foreign Transaction  1.00% / in US dollars   1.00% / in US dollars 
     this new account, but at the lower rates instead of the higher 
                                               Penalty Fees     
     interest rate you will pay on the new account.  You will be  Late Payment  ?$22.00              ?$22.00 
     paying a $20 annual fee.  You will lose any CURewards  Return Check Fee  ?$20.00                ?$20.00 
     points you may have if you close your current account  Other Fees     
                                                  Statement Copy             $2.00                     $2.00  
     before the points are used.  Lower credit limits may be set 
                                                  Ticket Copy     
     on the new account and you will not be permitted to  Travel & Entertainment  $25.00              $25.00  
     transfer balances if you choose to keep your current card  Original Sales Slip  $6.00             $6.00  
                                                    Photocopy of Sales Slip  $5.00                     $5.00  
     and also apply for the new account, and your credit score 
                                                  Card Replacement           $13.00                   $13.00  
     may be affected. 
                                             Other Terms            CURewards available  Available for Cash Back 
      
                                           
      
                                           
                                                                                                    9 
      
      
     IMPORTANT NOTICE TO TFCU  
     PRIME PLUS � DEPOSIT SECURED 
                                            Prime Rate = PR       M-122938 M-120639 
     VISA ACCOUNT HOLDERS 
                                            In December 2017 Prime Rate    VISA    VISA Signature Cash-Back Product 
      
                                            Increased from 4.25% to 4.50%  Prime Plus - Deposit Secured    
     If you currently have a credit card issued by TFCU and you 
                                            Variable Rates tied to Prime Rate        
     decide to apply to instead use the new VISA Signature Cash- Purchases  PR + 3.9%   
     Back credit card to be issued by TFCU, there are a number  Rate 1 (700+)                       PR + 7.5% 
                                                 Rate 2 (660-699)                                   PR + 9.5% 
     of important disclosures of terms for you to consider first 
                                                 Rate 3 (659-)                                     PR + 11.5% 
     before you apply.  You will not be charged the 2.50% 
                                              Balance Transfers/Cash Advance  PR + 3.9%   
     balance transfer fee for transfers from your current TFCU- Rate 1 (700+)                       PR + 9.5% 
     issued credit card, but you will  NOT receive the  Rate 2 (660-699)                           PR + 11.5% 
                                                 Rate 3 (659-)                                     PR + 13.5% 
     promotional rate of 0% APR for 6 months.  Instead, you will 
                                            Rates (Account Opening)                  
     be required to continue to pay Prime Rate plus the 
                                              APR for Purchases       3.99% 6mo then 8.40%          0.00% 6mo 
     percentage rates set based on your credit score at the time  Rate 1 (700+)                       12.00% 
     you opened the account on any amounts you transfer to this  Rate 2 (660-699)                     14.00% 
                                                 Rate 3 (659-)                                        16.00% 
     card.  You will also be paying an interest rate which will be 
                                              APR for Balance Transfers        8.40%  0.00% 6mo if transferred in 1st 60 days 
     the HIGHER RATES on the chart for your specific type of 
                                                 Rate 1 (700+)                                     fee + 14.00% 
     card on all new purchases, balance transfers, and cash  Rate 2 (660-699)                      fee + 16.00% 
     advances if you do not pay off the entire outstanding balance  Rate 3 (659-)                  fee + 18.00% 
                                              APR for Cash Advances            8.40%     immediately when account opens 
     each month before the 25-day grace period to make your 
                                                 Rate 1 (700+)                                     fee + 14.00% 
     payment expire each month.  You also will pay a  new 
                                                 Rate 2 (660-699)                                  fee + 16.00% 
     2.50% balance transfer fee on all balance transfers from  Rate 3 (659-)                       fee + 18.00% 
     other lenders.  You will be paying a new 2.00% fee on all  Penalty APR and when it applies  25 days  25 days 
                                            Fees                                     
     cash advances.  On your current account you do not have 
                                              Set-up and Maintenance Fees     
     any fee on balance transfers or cash advances, although both 
                                                 Annual Fee                    none                   $20.00  
     do immediately begin to accrue interest, just as they will on  Transaction Fees     
     this new account, but at the lower rates instead of the higher  Balance Transfers  none          2.50% 
                                                 Cash Advance                  none                   2.00% 
     interest rate you will pay on the new account.  You will be 
                                                 Foreign Transaction   1.00% / in US dollars   1.00% / in US dollars 
     paying a $20 annual fee.  You will lose any CURewards 
                                              Penalty Fees     
     points you may have if you close your current account  Late Payment      ?$22.00                ?$22.00 
     before the points are used.  Lower credit limits may be set  Return Check Fee  ?$20.00          ?$20.00 
                                              Other Fees     
     on the new account and you will not be permitted to 
                                                 Statement Copy                $2.00                   $2.00  
     transfer balances if you choose to keep your current card 
                                                 Ticket Copy     
     and also apply for the new account, and your credit score  Travel & Entertainment  $25.00        $25.00  
     may be affected.                              Original Sales Slip         $6.00                   $6.00  
                                                   Photocopy of Sales Slip     $5.00                   $5.00  
                                                 Card Replacement             $13.00                  $13.00  
                                            Other Terms           CURewards available  Available for Cash Back 
                                                                                                    10 
      
      
     IMPORTANT NOTICE TO TFCU                Prime Rate = PR        M-121773 M-120639 
                                             In December 2017 Prime Rate    Visa Gold  VISA Signature Cash-Back Product 
     VISA GOLD ACCOUNT HOLDERS 
                                             Increased from 4.25% to 4.50%      
      
                                             Variable Rates tied to Prime Rate      
     If you currently have a credit card issued by TFCU and you 
                                               Purchases     
     decide to apply to instead use the new VISA Signature Cash- Rate 1 (700+)  PR + 5.25%          PR + 7.5% 
     Back credit card to be issued by TFCU, there are a number  Rate 2 (660-699)  PR + 6.25%        PR + 9.5% 
                                                  Rate 3 (659-)           PR + 7.25%               PR + 11.5% 
     of important disclosures of terms for you to consider first 
                                               Balance Transfers/Cash Advance     
     before you apply.  You will not be charged the 2.50% 
                                                  Rate 1 (700+)           PR + 5.25%                PR + 9.5% 
     balance transfer fee for transfers from your current TFCU- Rate 2 (660-699)  PR + 6.25%       PR + 11.5% 
     issued credit card, but you will  NOT receive the  Rate 3 (659-)     PR + 7.25%               PR + 13.5% 
                                             Rates (Account Opening)                
     promotional rate of 0% APR for 6 months.  Instead, you will 
                                               APR for Purchases           3.99% 6mo                0.00% 6mo 
     be required to continue to pay Prime Rate plus the 
                                                  Rate 1 (700+)              9.75%                    12.00% 
     percentage rates set based on your credit score at the time  Rate 2 (660-699)  10.75%            14.00% 
     you opened the account on any amounts you transfer to this  Rate 3 (659-)  11.75%                16.00% 
                                               APR for Balance Transfers              0.00% 6mo if transferred in 1st 60 days 
     card.  You will also be paying an interest rate which will be 
                                                  Rate 1 (700+)              9.75%                 fee + 14.00% 
     the HIGHER RATES on the chart for your specific type of 
                                                  Rate 2 (660-699)          10.75%                 fee + 16.00% 
     card on all new purchases, balance transfers, and cash  Rate 3 (659-)  11.75%                 fee + 18.00% 
     advances if you do not pay off the entire outstanding balance  APR for Cash Advances    immediately when account opens 
                                                  Rate 1 (700+)              9.75%                 fee + 14.00% 
     each month before the 25-day grace period to make your 
                                                  Rate 2 (660-699)          10.75%                 fee + 16.00% 
     payment expire each month.  You also will pay a  new 
                                                  Rate 3 (659-)             11.75%                 fee + 18.00% 
     2.50% balance transfer fee on all balance transfers from  Penalty APR and when it applies  25 days  25 days 
     other lenders.  You will be paying a new 2.00% fee on all  Fees                
                                               Set-up and Maintenance Fees     
     cash advances.  On your current account you do not have 
                                                  Annual Fee                  none                    $20.00  
     any fee on balance transfers or cash advances, although both 
                                               Transaction Fees     
     do immediately begin to accrue interest, just as they will on  Balance Transfers  none           2.50% 
     this new account, but at the lower rates instead of the higher  Cash Advance  none               2.00% 
                                                  Foreign Transaction  1.00% / in US dollars   1.00% / in US dollars 
     interest rate you will pay on the new account.  You will be 
                                               Penalty Fees     
     paying a $20 annual fee.  You will lose any CURewards 
                                                  Late Payment              ?$22.00                  ?$22.00 
     points you may have if you close your current account  Return Check Fee  ?$20.00                ?$20.00 
     before the points are used.  Lower credit limits may be set  Other Fees     
                                                  Statement Copy             $2.00                     $2.00  
     on the new account and you will not be permitted to 
                                                  Ticket Copy     
     transfer balances if you choose to keep your current card 
                                                    Travel & Entertainment   $25.00                   $25.00  
     and also apply for the new account, and your credit score  Original Sales Slip  $6.00             $6.00  
     may be affected.                               Photocopy of Sales Slip  $5.00                     $5.00  
                                                  Card Replacement           $13.00                   $13.00  
      
                                             Other Terms            CURewards available  Available for CashBack 
                                                                                                    11