GREATER NILES COMMUNITY FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES In this Agreement the words “you" and "your" mean each and alt of those who agree to be bound by this Agreement; "Card" means a Visad credit card and any duplicates, renewais, or substitutions the Credit Union issues to you; “Account” means your Visa credit card line of credit account with the Credit Union, and "Credit Union” means the Credil Union whose name appears on this Agreement or anyone to whom the Credit Union transters this Agreement. 1. Using Your Account. If you are approved for an Account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other charges") thal you will have outslanding on your Account al any time. Each payment you make to your Account will restere your credit limit by the amount of ihe payment, unless you are over your credit limit. If you are over your credit limit and you have consented to the Credit Union's aver-the-limit coverage, you must pay lhe amount you are over before payments will begin to restore your credit limit. You may request an increase in your credil limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason nol prohibited by law, 2. Using the Visa Card. You may use your Card to make purchases from merchants and olhers who accept Visa cards. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accep! Visa cards, and from some automated teller machines (ATMs), such as the Visa ATM Network, that accept Visa cards, (Not ali ATMs accept Visa cards.) To obtain cash acivances trom an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with your card. You agree not fo make or permit to be made any illegal iransactions on your Account through the use of a Card, a check or in any olher manner, We may deny authorization for any Internet gambling Iransactions. If you wish to pay for goods or services over the Internet, you may be required to provide card number securily information before you will be permitted to complete the transaction, 3. Responsibility. You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You agree nol to authorize anyone to use your Account without the prior written consent of the Credit Union. You also agree to pay all finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made with the Credit Union, If this is a joint aecount, Section 18 also applies to your Account. 4. Default. You will be in default if you fail to make any minimum payment or other required payment by ihe date thal it is due. ‘You will be in default if you break any promise you make under this Agreement. You will be in detaull if you die, file for bankruptcy or become insalvent, that is unable to pay your obligations when they become dus. ‘You will be in default if you make any false or misieading statements in any credit application or credit update. You will also be in default ifthe Credit Union in good failh reasonably believes that the prespect of payment or performance of your obligations under this Agreement is impaired. When you are in default, the Credit Union has the right to demand immediate payment of your {ull Account balance without giving you notice. I! immediate paymant is demanded, you agree to cantinue paying finance charge, al the periodic rate charged before default, until what you owe has been paid, and any shares thal were given as security for your Account may be applied towards whal you owe. 5. Liability for Unauthorized Use-Lost/Stolen Card Notification. You may be liable for the unauthorized use of your Card. You will not be liable for unauthorized use that occurs after you notily ihe Credit Union, orally or in writing, of the toss, theft, or possidte unauthorized use. In any case, your liability will not exceed $50. You can notily the Credit Union by calling (800) 828-3901, or writing to RO. Box 30495, Tampa, FL 33630-3495. 6. Security interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge af shares, your Account will be secured by your pledged shares, There is no other security for this Account, notwithstanding anything to the contrary in any other agreement. You may nol withdraw amounts that have been specifically pledged ta secure your account until the Credit Union agrees to release all or part of the pledged amount. 7. Finance Charges. A Finance Charge will be imposed on Credit Purchases only if you elect not Io pay the entire New Balance shawn on your monthly statement for the previous billing cycle wilhin 25 days from the closing date of thal statement. If you elect not to pay the entire New Balance shown on your previous monthly statement wilhin thal 25-day period, a Finance Charge will be imposed on the unpald average daily balance of such Credil Purchases from the previous statement closing date and on naw Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue uniil the closing dale of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing dale, Visa Classic: The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate of .625%—1.908% which is an ANNUAL PERCENTAGE RATE of 9.9%—12.9% to the average daily balance of Credit Purchases, which is determined by dividing ihe sum of the daily balances during the billing cycle by the number of days In the cycle. Each daily balance of Credit Purchases is determined by adding 10 the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracling any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as explained above for Credit Purchases. Platinum Preferred: The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate of .658% which is an ANNUAL PERCENTAGE RATE of 7.9% to the average daily balance of Credit Purchases, which is delermined by dividing the sum of the daily balances during the billing cycle ‘by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, bul excluding any unpaid Finance Charges. A Finance Charge will be imposed an Cash Advances from the date of the Gash Advance er from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as explained above for Credit Purchases. Secured Visa: The Finance Charge for a billing cycle is computed by applying ihe monthly Periodic Rate of 1.075% which is an ANNUAL PERCENTAGE RATE of 12.9% to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credil Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, bul excluding any unpaid Finance Charges, International Transaction Fee: A fee up to 2% will be assessed on all transactions where the merchant country differs fram the country of the card issuer. 8. Payments, Each month you must pay at least the minimum payment shown on your statement by ihe date specilied on the statement or no later than 25 days from the statement closing cate, whichever is later. If your statement says the payment is “Now Due," your payment is due no later than 25 days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in tull. If you make extra payments or larger payments, you are still required fo make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment is 3.0% of your Total New Balance, but nal less than $20.00, plus the amount of any prior minimum payments that you have not made, and any amounts you ate over your credit limit. We may rejecl payments not drawn in U.S. dollars or those drawn on a financial institution located outside of the U.S. 9. Payment Atlocation. Subject to applicable law, any payments over the required minimum payment amounts and any credits to balances on your Account will be credited to balances with the highest applicable APR first. We will then credit payments to lower rate balances in descending order of APRs. The manner in which we apply any payment lo your Account balances may alfecl the amount of any payment applied to intraductary or promotional financing balances. 10. Other Charges. The following other charges (fees) will be added to your Accaunt, as applicable: Over the Credit Limit Fee: ll you have aplted-in to the Credit Union's aver-the-limit coverage, you may be charged a fee of up to $20.00 on a statement date if your New Balance on that cate, less any fees imposed during the cycle, is over your credit limit until your New Balance is BELOW your credit limit. Late Payment Fee: A late charge of up ta $35.00 will be added to your account if you are late making a payment. Non-Sufficient Funds Check Fee: If a check or share crafl used to make a payment on your account is returned unpaid, you will be charged a fee of up to $28.00. Card Replacement Fee: You will be charged $5.00 for each replacement card that you request. Document Copy Fee: You will be charged $3.00 tor each copy of a sales draft or statement thal you requesi (excep! when the request is made in connection with a billing error made by the Credit Union). Callection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by law. © 2016 CU Solutions Group KEEP THIS PORTION FOR YOUR RECORDS 11. Changing or Terminating Your Account. The Credit Union may change the terms of this Agreement from time to time. Notice of any change will be given in accordance with applicable law. Use of your Card after receiving notice of a change will indicate your agreement to the change. If permitted by law and specified in the nolice to you, the change will apply to your existing Account Balance as well as 1o future transactions, When required by law to advise you that you have a legal right to reject any changes we make, we will provide you with an explanation about how to do that. Either you or the Credit Union may terminate this Agreement at any time, but termination by you er the Credit Union will not affect your obligation to pay the Account balance plus any finance and other charges you owe Under this Agreement, You are also responsible for any transaction thal you initiated and we authorized prior to termination, even though the transaction is not posted until alter termination. The Card or Cards you receive remain ihe property of ihe Credit Union and you must recover and surrender to the Crecit Union all Cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance ar any time after your Account is terminated. whether it Is terminated by you or the Credit Union, if this is a joint account, Section 17 of this Agreement also applies to termination of the Account. 12. Credit Information. You authorize the Credit Union to investigate your credit standing when opening or reviewing your Account, You authorize the Credit Union to disclose information regarding your Account fo credit bureaus and creditors who inquire about your credil standing, 13. Returns and Adjustments. Merchants and others whe honor your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted ta your Account. If your credits and payments exceed whal you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, if will be relunded upon your written request or automatically alter six (6) months, 14. Additional Benefits/Card Enhancements. The Credit Union may Irom time to time offer additional services to your Account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union js not obligated to offer such services and may withdraw or change them at any time. 15. Forelgn Transactions. Purchases and cash adyances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by Visa frorn the range of rates available in wholesale currency markets lor the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government! mandated rate in effect for lhe applicable central processing date. The currency exchange rale used on the processing dale may differ from the tate that would have been used on the purchase dale or cardholder statement posting date, 16. Merchant Disputes. The Credit Union is not responsible for lhe refusal of any merchant or financial institution to honor your Card, The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider (unless a local law slates thal you do nol have fo make such an atiempt), and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 mites of your home. 17. Joint Accounts. If this js a joint account, each person on Ihe Account must sign the Application for the Account. Each of you will be individually and jointly responsible for paying all amounts awed under this Agreement, This means that the Credil Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes Ihe other{s) to make purchases. or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. Consent to, and revocation of, the Credit Union's over-the-limit coverage by one ot you will be considered consent and revocation for all of you. 18. Effect of Agreement. This Agreement is the contract which applies to all transactions an your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 19. No Waiver. The Credit Union can delay enforcing any of its rights any number of limes without losing them, 20, Statement and Notices. Statements and notices will be mailed to you at ihe mosi recent address you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 21. Copy Received. You acknowledge thal you have received a copy of this Agreement. 22, Signatures. By signing in the Signature area of the application form that was atlached to this Agreement when you received it, you agree to the terms of this Agreement. You should detach this Agreement from the application and retain it for your records. 23, Final Expression. This agreement is the Final expression of the terms and conditions of this card Agreement belween you and the Credit Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This nolice contains important information about your rights and our responsibilities under the Fair Credit Billing Act, Notify Us in Case of Errors or Questions About Your Bi}! Ifyou think your dill is wrong, or if you need more information about a transaction on your bill, write us on @ separate sheet at the adcress listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: “Your name and account number. ‘The dollar amount of the suspected error. ‘Describe the error and explain, if you can, why you believe there isan error, Il you need more information, describe the item you are not sure aboul. Ifyou have authorized us to pay your credil card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letler wilhin 30 days, unless we have corrected the error by then, Wilhin 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try lo collect any amount you question, or report you as delinquent, We can continue to bill you for the amount you question. including finance charges. and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating. bul you are still obligated to pay the parts of your bill that are nat in question. lt we find that we made a mistake on your bill, you will not have to pay any finance charges reiated to any questioned amounl. 1 we didn'l make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a stalement of he amount you owe and the date it is due. Ht you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not salisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you fo that you have a question about your bill. And, we must tell you ihe name of anyone we reported you to. We must tell anyone we reporl you to thal the matter has been settled between us when it finally is. lf we don't follow these rules, we can't collect the first 550 of the questioned amount, even If your bill was correct, Special Rufe for Credit Card Purchases Hf you have a problem with the quality of property or services that you purchased with 4 credit card, and you have tried in good faith to correct the problem with the merchant, you may have the righl not to pay the remaining amount due on the praperty or services. There are two limitations an this right: (a) You must have made the purchase in your home state, or if not within your home state within 100 miles of your current mailing address; and (b} The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement far the property or services, CU Solutions Group - 800.262.6285      Linterest Rates and interest Charges poles Secured Sal a     Annual Percentage Rate (APR) 12 9% 9.9%-1 2.9% 7 9% for Purchases . *Based on credit score 9.9%-12.9%" 'D, 0), APR for Balance Transfers 12.9% *Gassae ‘ar'eredit soars 7.9% 9.9%-12.9%" 10, (0, APR for Cash Advances 12.9% tonsa on oraltSonpa 7.9%       Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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.   Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.   For Credit Gard Tips from the Consumer Financial Protection Bureau   To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumertinance.gov/learnmore             ¢ Foreign Transaction Annual Fee None Transaction Fees * Balance Transfer None * Cash Advance None 2% of each transaction in U.S. dollars.   Penalty Fees * Late Payment e Over-the-Credit Limit ® Returned Payment     Up to $35 Up to $20 Up to $28     How we Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement and Disclosures for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.