INTHISAGREEMENTTHEWORDS"I,""ME,""MY,"AND"US"MEANEACHANDALLOFTHOSEWHOAPPLYFORORUSETHECARD."CARD"MEANSTHEVISACREDIT CARDANDANYDUPLICATESANDRENEWALSWEISSUE.EVERYONEWHORECEIVES,SIGNSORUSESACARDISSUEDUNDERTHISAGREEMENTMUSTBEA MEMBEROFTHISCREDITUNIONANDABORROWERONTHEPLAN.BYSIGNINGORUSINGTHECARD,IAGREETOTHETERMSOFTHISAGREEMENTANDPROMISE TOPAYALLAMOUNTSDUE."ACCOUNT"MEANSMYVISACREDITCARDLINEOFCREDITSUB-ACCOUNTWITHYOU."YOU","YOUR"AND"YOURS"MEANSTHIS CREDIT UNION.VISA CREDIT CARD AGREEMENT ADDENDUM TOSINGLE SIGNATURE LENDING PLAN
page 1 of 2 LASER SYM FI13874 Rev 7-2015 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.DATEBORROWER 1 NAMEBORROWER 2 NAMEACCOUNT NUMBERAmerican 1 Credit Union
718 E. Michigan AvenueJackson, Michigan 49201(888) 213-2848
ThankyouforopeningaVisaCreditCardsub-accountunderyourSingleSignatureLendingPlan("Plan").ThisVisaCreditCardAgreementisanaddendum toyourPlanandisherebyincorporatedintoandbecomesapartofyourPlan.PurchasesortransactionsmadeonyourCardwillbesubjecttothetermsof your Plan, this agreement, and your Truth in Lending Disclosure.  Please keep this agreement and your Truth in Lending Disclosure with your Plan.VISA CREDIT CARD AGREEMENT
1.SECURITY:ISPECIFICALLYGRANTYOUACONSENSUAL SECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSI HAVEWITHYOUNOWANDINTHEFUTURETOSECURE REPAYMENTOFCREDITEXTENDEDUNDERTHISAGREEMENT.I ALSOAGREETHATYOUHAVESIMILARSTATUTORYLIENRIGHTS UNDERSTATEAND/ORFEDERALLAW.THEGRANTINGOFTHIS SECURITYINTERESTISACONDITIONFORTHEISSUANCEOF CREDITUNDERTHISAGREEMENT.IFIAMINDEFAULT,YOUCAN APPLYMYSHARESTOTHEAMOUNTIOWE.Sharesanddepositsin anIndividualRetirementAccountoranyotheraccountthatwouldlose specialtaxtreatmentunderstateorfederallawifgivenarenotsubjectto this security interest.IfIhaveotherloanswithyou,collateralsecuringsuchloansmayalso securemyobligationsunderthisAgreement,unlessthatothercollateralis my principal residence or non-purchase money household goods.2.UsingMyCard.ImayusemyCardtomakepurchasesfrommerchants andotherswhoacceptVISACards.However,Imaynot
usemyCardto initiateanytypeofgamblingorwageringtransactionsthatareinviolationof applicablelaw.IfIwishtopayforgoodsorservicesovertheInternet,Imay berequiredtoprovidecardnumbersecurityinformationbeforeIwillbe permittedtocompletethetransaction.Inaddition,Imayobtaincash advancesfromtheCreditUnionandfromotherfinancialinstitutionsthat acceptVISACards,andfromsomeautomatedtellermachines(ATMs).(Not allATMsacceptVISACards.)ToobtaincashadvancesfromanATM,Imust usethePersonalIdentificationNumber(PIN)thatisissuedtomeforusewith myCard.IagreethatIwillnotusemyCardforanytransactionthatisillegal underapplicablefederal,stateorlocallaw.IfuseofmyPINconstitutesan ElectronicFundsTransfer,thetermsandconditionsofmyEFTAgreement may also effect my rights.3.Responsibility.Iagreetopayallcharges(purchasesandcash advances)tomyAccountthataremadebymeoranyonewhomIauthorize tousemyAccount.Ialsoagreetopayallinterestchargesandothercharges addedtomyAccountunderthetermsofthisAgreementoranother agreementImadewiththeCreditUnion.IfthisisajointAccount,Section14 below also applies to my Account. 
4.InterestCharges.Iagreetopayinterestattherate(s)disclosedtome atthetimeIopenmyaccountandasmaybechangedfromtimetotimein accordancewithapplicablelaw.ThebalancessubjecttotheperiodicInterest Chargearetheaveragedailytransactionsbalancesoutstandingduringthe month(newandprevious).Togettheaveragedailybalance,youtakethe beginningbalanceofmyAccounteachday,addanynewpurchases,cash advances,insurancepremiums,debitadjustmentsorotherchargesand subtractanypayments,creditsandunpaidInterestCharges.Thisgivesyou thedailybalance.Then,youaddupallthedailybalancesforthebillingcycle anddividethembythenumberofdaysinthebillingcycle.TheInterest Chargeforabillingcycleiscomputedbymultiplyingtheaveragedaily balancesubjecttoaInterestChargebytheDailyPeriodicRatetimesthe number of days in the billing cycles.IcanavoidInterestChargesonpurchasesbypayingthefullamountofthe entirebalanceowedeachmonthwithin25daysofmystatementclosingdate. Otherwise,thenewbalanceofpurchases,andsubsequentpurchasesfrom thedatetheyarepostedtomyAccount,willbesubjecttoaInterestCharge.Cashadvancesandbalancetransfersarealwayssubjecttoa InterestChargefromthelaterofthedatetheyarepostedtomyAccountor fromthefirstdayofthebillingcycleinwhichthecashadvanceorbalance transfer is posted to my Account.5.OtherCharges.Ipromisetopayallfeesdisclosedtomeonthe Truth-in-LendingStatement,suchaslatepaymentfees,over-the-credit-limit fees, and other fees.6.Payments.EachmonthImustpayatleasttheminimumpayment shownonmystatementbytheduedatespecifiedonthestatement.Ifmy statementsaysthepaymentis"NowDue,"mypaymentisduenolaterthan twenty-five(25)daysfromthestatementclosingdateor21daysfromthe dateyoumailordeliverthestatement,whicheverislater.Imaypaymore frequently,paymorethantheminimumpaymentorpaytheTotalNew Balanceinfull.IfImakeextraorlargerpayments,Iamstillrequiredtomake atleasttheminimumpaymenteachmonthmyAccounthasabalance(other thanacreditbalance).Theminimumpaymentis3%ofmyTotalNew Balance,or$20.00,whicheverisgreater,plustheamountofanyprior minimumpaymentsthatIhavenotmade,andanyamountIamovermy creditlimit.TheCreditUnionalsohastherighttodemandimmediate payment of any amount by which I am over my credit limit. 7.Default
;Acceleration;CreditSuspension;CollectionCosts.Iwillbe indefaultif:(1)Ifailtomakeanypaymentontime;(2)ifIfailtokeepany promisesIhavemadeunderthisAgreementorunderotherAgreementsI havewithyou;(3)ifIdie;(4)ifIfileapetitioninbankruptcyorhavea bankruptcypetitionfiledagainstme,orifIbecomeinvolvedinany insolvency,receivershiporcustodialproceeding;(5)ifanyoneattemptsto takeanyofmyfundsheldbyyouvialegalprocessorifIhaveajudgmentor taxlienfiledagainstme;(6)ifImakeanyfalse,inaccurate,ormisleading statementsinanycreditapplicationorcreditupdate;or(7)ifyou,ingood faith,believethatmyabilitytorepaywhatIoweisorsoonwillbeimpaired,or that I am unwilling to make my payments. IfIamindefault,youhavetherighttodemandimmediatepaymentofmyfull accountbalancewithoutgivingmenotice.Ifimmediatepaymentis demanded,IagreetocontinuepayinginterestchargesandfeesuntilwhatI owehasbeenpaid,andanysharesthatweregivenassecurityformy accountmaybeappliedtowardswhatIowe.Iagreetopayallreasonable costsofcollection,includingcourtcosts
andattorney'sfees,andanycosts incurredintherecoveryoftheCard,subjecttoapplicablelaw.Evenifmy unpaidbalanceislessthanmycreditlimit,Iwillhavenocreditavailable during any time that any aspect of my account is in default.8.IfMyCardisLostorStolenorifanUnauthorizedUseOccurs.I agreetonotifyyouimmediatelyifmycardiseverlostorstolenorifan unauthorizedusemayhaveoccurred.Thetelephonenumbertocallis(888) 213-2848,andIagreetofollowupthecallwithnoticeinwritingtoyouat:718 E.MichiganAvenue,Jackson,Michigan49201.Ialsoagreetoassistyouin determiningthefacts,circumstancesandotherpertinentinformationrelating toanyloss,theftorpossibleunauthorizeduseofmycardandcomplywith suchproceduresasyoumayrequireinconnectionwithyourinvestigation, includingfilingapolicereportandotherwiseassistingintheprosecutionof anyunauthorizeduser.IwillbeliableforanyunauthorizeduseovertheVisa NetworkonlyifyoucanprovethatIwasgrosslynegligentinmyuseor handlingofmycard,orifyoucanprovethatIusedthecardfraudulently.My liabilityforunauthorizeduseonnetworksotherthantheVisaNetworkwillnot exceed
$50.00.Inanycase,Iwillnotbeliableforanyunauthorizedusethat occurs after I notify you of the loss, theft, or unauthorized use.
 page 2 of 2DATEBORROWER 1 NAMEBORROWER 2 NAMEACCOUNT NUMBER
13.PlanMerchantDisputes.Youarenotresponsiblefortherefusalofany planmerchantorfinancialinstitutiontohonormycard.Also,youarenot responsibleforgoodsorservicesIpurchasewiththecardunless(a)my purchasewasmadeinresponsetoanadvertisementyousentorparticipated insendingme;(b)mypurchasecost$50.00ormoreandwasmadefroma planmerchantinmystateorwithin100milesofmyhome;andIhavemadea goodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplan merchant. I must resolve all other disputes directly with the plan merchant.14.JointAccounts.IfthisisajointAccount,eachofuswillbeindividually andjointlyresponsibleforpayingallamountsowedunderthisAgreement. ThismeansthattheCreditUnioncanrequireanyoneofusindividuallyto repaytheentireamountowedunderthisAgreement.Eachofusauthorizes theother(s)tomakepurchasesorcashadvancesindividually.Anyoneofus mayterminatetheAccountandtheterminationwillbeeffectiveastoallofus, but both of us will still be responsible for repayment all amounts owing.15.EffectofAgreement.ThisAgreementisthecontractwhichappliesto alltransactionsonmyAccounteventhoughthesales,cashadvances,credit or other slips I sign or receive may contain different terms. 16.TransactionSlips.Mymonthlystatementwillidentifythatmerchant,
electronicterminalorfinancialinstitutionatwhichtransactionsweremade, butsales,cashadvances,creditorotherslipscannotbereturnedwiththe statement.17.NOTICETOUTAHBORROWERS:Thiswrittenagreementisafinal expressionoftheagreementbetweenmeandtheCreditUnion.Thiswritten agreement may not be contradicted by evidence of any oral agreement.9.ChangeofTerms.TheCreditUnionmaychangethetermsofthis Agreementfromtimetotimesubjecttoapplicablelaw.Noticeofanychange willbegiveninaccordancewithapplicablelaw.Ifpermittedbylawand specifiedinthenoticetome,thechangewillapplytomyexistingAccount balance as well as to future transactions.10.ReturnsandAdjustments.MerchantsandotherswhohonormyCard maygivecreditforreturnsoradjustments,andtheywilldosobysendingthe CreditUnionacreditslipwhichwillbepostedtomyAccount.Ifmycredits andpaymentsexceedwhatIowetheCreditUnion,theamountwillbe appliedagainstfuturepurchasesandcashadvances.Ifthecreditbalance amount is $1 or more, it will be refunded upon my written or verbal request.11.AdditionalBenefits/CardEnhancements.TheCreditUnionmayfrom timetotimeofferadditionalservicestomyAccount,suchastravelaccident insurance,atnoadditionalcosttome.IunderstandthattheCreditUnionis notobligatedtooffersuchservicesandmaywithdraworchangethematany time.12.ForeignTransactions;CurrencyConversion.Purchasesandcash advancesmadeinforeigncurrencieswillbebilledtomeinU.S.dollars. TransactionsprocessedoutsideoftheUnitedStateswillbechargedaforeign transactionfeeinanamounttobedeterminedbytheCreditUnion, regardlessofwhetherthereisacurrencyconversionassociatedwiththe transaction.TheconversionrateindollarswillbearateselectedbyVISA fromarangeofratesavailableinwholesalecurrencymarketsforthe applicablecentralprocessingdate,whichratemayvaryfromtherateVISA itselfreceives,orthegovernment-mandatedrateineffectfortheapplicable centralprocessingdateineachinstance.Aforeigntransactionisany transactionthatyoucompleteoramerchantcompletesonmycardoutsideof theU.S.,PuertoRicoortheU.S.VirginIslands;thismayincludeinternet transactions. BILLING RIGHTS NOTICE YOUR
BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
Thisnoticetellsyouaboutyourrightsandourresponsibilitiesunder the Fair Credit Billing Act. What To Do If You Find A Mistake On Your StatementIfyouthinkthereisanerroronyourstatement,writetousattheaddress(es) listed on your statement. In your letter, give us the following information:Your name and account number.The dollar amount of the suspected error.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveis wrong and why you believe it is a mistake.1.2.3.You must contact us:Within 60 days after the error appeared on your statement.Atleast3businessdaysbeforeanautomatedpaymentisscheduled,if you want to stop payment on the amount you think is wrong.--Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butif youdo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumay have to pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:
While we investigate whether or not there has been an error:Within30daysofreceivingyourletter,wemusttellyouthatwe receivedyourletter.Wewillalsotellyouifwehavealreadycorrected the error. Within90daysofreceivingyourletter,wemusteithercorrecttheerror or explain to you why we believe the bill is correct.1.2.After we finish our investigation, one of two things will happen:Ifwemadeamistake:Youwillnothavetopaytheamountinquestion or any interest or other fees related to that amount. Ifwedonotbelievetherewasamistake:Youwillhavetopaythe amountinquestion,alongwithapplicableinterestandfees.Wewill sendyouastatementoftheamountyouoweandthedatepaymentis due.Wemaythenreportyouasdelinquentifyoudonotpaythe amount we think you owe.--Ifyoureceive
ourexplanationbutstillbelieveyourbilliswrong,youmust writetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso, wecannotreportyouasdelinquentwithoutalsoreportingthatyouare questioningyourbill.Wemusttellyouthenameofanyonetowhomwe reportedyouasdelinquent,andwemustletthoseorganizationsknowwhen the matter has been settled between us.Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50 of the amount you question even if your bill is correct.
Wecannottrytocollecttheamountinquestion,orreportyouas delinquent on that amount.Thechargeinquestionmayremainonyourstatement,andwemay continue to charge you interest on that amount.Whileyoudonothavetopaytheamountinquestion,youare responsible for the remainder of your balance.We can apply any unpaid amount against your credit limit.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchased withyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblem withthemerchant,youmayhavetherightnottopaytheremainingamount due on the purchase. To use this right, all of the following must be true: 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100 milesofyourcurrentmailingaddress,andthepurchasepricemusthave beenmorethan$50.(Note:Neitherofthesearenecessaryif
your purchasewasbasedonanadvertisementwemailedtoyou,orifweown thecompanythatsoldyouthegoodsorservices.) 2.Youmusthaveusedyourcreditcardforthepurchase.Purchasesmade withcashadvancesfromanATMorwithacheckthataccessesyour creditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase. Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththe purchase, contact us in writing at the address(es) listed on your statement. Whileweinvestigate,thesamerulesapplytothedisputedamountas discussedabove.Afterwefinishourinvestigation,wewilltellyouour decision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,we may report you as delinquent. ----