The following disclosure represents important details concerning your credit card. The information about costs of the card isaccurate as of _______________. You can contact us at (602) 631-3200, toll free at (800) 621-0287, or the address on page 1,to inquire if any changes occurred since the effective date.
page 3 of 6INTEREST RATES and INTEREST CHARGES:IMPORTANT CREDIT CARD DISCLOSURES
Annual Percentage Rate (APR)for Purchases & BalanceTransfers
Your due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the date the cash advance or balance transfer is posted to your account.
For Credit Card Tips from theConsumer FinancialProtection BureauNone
NoneMinimum Interest ChargePaying Interest
Fees to Open or Maintain yourAccountFEES:
� Annual Fee:To 
learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreMasterCard Platinum RewardsMasterCard Platinum
Up to $28.00 the first time your payment is late 2 days or more (fee will not exceedpayment if payment due is under $28.00). If you make a subsequent late paymentwithin the following 6 billing cycles, you will be charged up to $39.00 for each late payment (fee will not exceed payment if payment due is under $39.00).NoneUp to $28.00 the first time your payment is returned for any reason (fee will not exceedpayment if payment due is under $28.00). If a subsequent payment is returned for anyreason within the following 6 billing cycles, you will be charged up to $35.00 for each returned payment (fee will not exceed payment if payment due is under $35.00).None2.00% of the amount of each cash advance2.00% of each transaction in U.S. dollars� Late Payment:Transaction Fees
Penalty Fees� Balance Transfer:� Cash Advance:� Foreign Transaction:
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."� Over-the-Credit Limit:� Returned Payment:11.49% to 20.49%
depending on your credit history. This 
APR will vary with the market based on  
the Prime Rate.depending 
on your credit history. ThisAPR will vary with the market based onthe Prime Rate.8.49% to 17.49%
9013 LASER CRIF FI16871 Rev 8-2020 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.APR for Cash Advances 11.49% to 20.49% depending on your 
credit history. This APR will vary with the  
market based on the Prime Rate.8.49% to 17.49% depending on your 
credit history. This APR will vary with the  
market based on the Prime Rate. Others Using Your Account. If you allow anyone else to use your account, youwill be liable for all credit extended to such persons. You promise to pay for allpurchases and advances made by anyone you authorize to use your account,whether or not you notify us that he or she will be using it. If someone else isauthorized to use your account and you want to end that person's privilege, youmust notify us in writing, and if he or she has a Card, you must return that Cardwith your written notice for it to be effective.Ownership of Card. Your Card remains our property and may be cancelled byus at any time without notice. You agree to surrender your Card and todiscontinue use of the account immediately upon our request.Interest Charges. You agree to pay interest at the rate(s) disclosed to you atthe time you open your account and as may be changed from time to time inaccordance with applicable law. Average Daily Balance including newtransactions: Interest Charges will accrue on your average daily balanceoutstanding during the month. To get the average daily balance, we take thebeginning balance each day, add any new purchases, cash advances, balancetransfers or other advances, and subtract any payments, unpaid interestcharges, and unpaid late charges. This gives us the daily balance. Then, we addup all the daily balances for the billing cycle and divide that by the number ofdays in the billing cycle. We then multiply that by the periodic rate correspondingto the Annual Percentage Rate on your account. If you have different rates forpurchases, cash advances or balance transfers, separate average dailybalances for each will be calculated and the appropriate periodic rate is thenapplied to each. We consider a credit balance as a balance of zero whencalculating interest on that balance.Grace Period on Purchases Only: You can avoid Interest Charges on purchasesby paying the full amount of the new balance for purchases each month by thedate on which the payment is due. Otherwise, the new balance of your account,and subsequent advances from the date they are posted to the account, will besubject to an Interest Charge. You cannot avoid Interest Charges on cashadvances and balance transfers; even if you pay the entire cash advancebalance or balance transfer balance by the payment due date, you will incur theInterest Charges accrued from the date the cash advance or balance transfer isposted to your account.Fees. In addition to the Interest Charges set forth above, you agree to also payany and all fees that you incur as disclosed to you on your Truth-in-LendingStatement or similar disclosures (as may be amended from time to time), or asdisclosed to you during the term of your Card.If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.  You agree to notify us immediately if your Card is ever lost or stolen or if an unauthorizeduse may have occurred. "Unauthorized use" means the use of the Card bysomeone other than you who does not have actual, implied or apparentauthority for such use, and from which you receive no benefit. The telephonenumber to call during business hours is (800) 621-0287. You agree to follow upyour call with notice in writing to us at: P .O. Box 7600, Glendale, AZ 85312-7600. You also agree to assist us in determining the facts, circumstances andother pertinent information relating to any loss, theft or possible unauthorizeduse of your Card and comply with such procedures as we may require inconnection with our investigation. You will have no liability for MasterCardtransactions not authorized by you, provided that you have exercisedreasonable care in safeguarding the Card from risk of loss or theft, and uponbecoming aware of such loss or theft, you promptly report the loss or theft to us.Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment isreceived by us on a business day at the address and by the time designated onthe billing statement, it will be credited to your account on the date of receipt. Ifpayment is made at any location other than the address designated on theperiodic statement, credit for such payment may be delayed up to five (5) days.Payments will be applied in any order we determine, subject to applicable law. Ifyou overpay or if there is a credit balance on your account, we will not payinterest on such amounts. We may reject and return any payment that createsor adds to a credit balance on your Account. Credits to your account, such asthose generated by merchants, are not treated as payments and will not reduceyour Total Minimum Payment Due. Some of your available line of credit may bepage 4 of 6CREDIT CARD AGREEMENTIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANYCREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDITUNION" MEANS CREDIT UNION WEST OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SETFORTH HEREIN.
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any otheraccount that would lose special tax treatment under state or federal law ifgiven are not subject to this security interest.If you have other loans with us, collateral securing such loans will alsosecure your obligations under this Agreement, unless that other collateralis your principal residence or non-purchase money household goods.
Using Your Card. You will be assigned a credit limit and cash advance limiton your account that we may increase or decrease from time to time. Webase that decision on a variety of factors such as your payment andtransaction history with us, and information we receive from third parties,including credit reporting agencies. You can purchase or lease goods andservices from any merchant who honors your Card, and you may obtain cashadvances from financial institutions and ATM machines that accept the Card,up to your maximum credit limit. You agree not to present your Card or obtaina cash advance for any extension of credit in excess of your available creditlimit; however, if you do exceed your credit limit, you agree to makeimmediate payment sufficient to bring the balance below the credit limit. If weapprove a transaction that allows you to exceed your credit limit or your cashadvance limit, we do not treat it as an increase in either limit. Certainpurchases and cash advances require authorization prior to completion of thetransaction. In some cases, you may be asked to provide identification. If oursystem is not working, we may not be able to authorize a transaction, eventhough you have sufficient credit available. Also, for security reasons, we mayblock the use of your Card in certain countries or geographic areas. We willhave no liability to you or others if any of these events occur.Personal Identification Number (PIN). We may issue a PersonalIdentification Number (PIN) for use with your Card. This PIN is confidentialand should not be disclosed to anyone. You may use your PIN and your Cardto access your account, and all sums advanced will be added to your accountbalance. In the event a use of your PIN constitutes an Electronic FundsTransfer, the terms and conditions of your Electronic Funds TransferAgreement may affect your rights.Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,cash advances, and balance transfers made by you or anyone whom youauthorize to use the Card; (b) all Interest Charges and all other charges orfees; (c) collection costs and attorney's fees as permitted by applicable law,and any costs incurred in the recovery of the Card; and (d) credit in excess ofyour credit limit that we may extend to you.Illegal Transactions. You agree that your Card and account will not be usedto make or facilitate any illegal transactions as determined by applicable law;and that any such use will constitute an event of default under this Agreement.We may decline any transaction that we believe to be illegal under applicablelaw, including but not limited to any transaction involving or relating to anygambling activity. You agree that we will have no liability or responsibility forany such use by you or any authorized user(s); or for declining any suchtransaction. You further agree to indemnify and hold us harmless from anysuits, liability, damages or adverse action of any kind that results directly orindirectly from such illegal use. You promise to pay us any and all amountsowing on your Card for any transactions made by you, even if the transactionis determined to be illegal.Joint Accounts. Each of you will be responsible, jointly and severally, for therepayment of amounts owed, regardless of who initiated any transactionunder the account.
9013 LASER CRIF FI16871 Rev 8-2020 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. CREDIT CARD AGREEMENTIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANYCREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDITUNION" MEANS CREDIT UNION WEST OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SETFORTH HEREIN.
Termination; Change-in-Terms. We may, by written notice, terminate thisAgreement at any time, subject to applicable law. You may terminate thisAgreement by written notice. Termination by either party shall not affect yourobligation to repay any balance on your account resulting from use of theCard as well as Interest Charges and fees incurred. We may change theterms of this Agreement, including the method of calculating the periodic rate,at any time, by written notice, subject to applicable law. Use of the Cardconstitutes agreement and acceptance of any change in terms, unlessapplicable law requires otherwise. Our failure to exercise any of our rights orto take any action shall not constitute a waiver of those rights, or anamendment or change in any of the terms of this Agreement.Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial payments orprepayments will not delay your next scheduled payment - you will still needto make the minimum scheduled payment by the next scheduled due date tokeep your account current. We may accept late payments, partial payments,checks or money orders marked "payment in full" and such action shall notconstitute final settlement of your account or a waiver or forgiveness of anyamounts owing under this Agreement.Enforcement. We do not lose our rights under this or any related agreementif we delay enforcing them. If any provision of this or any related agreement isdetermined to be unenforceable or invalid, all other provisions remain in fullforce and effect.Returns and Adjustments. Merchants and others who honor the Card maygive credit for returns or adjustments, and they will do so by submitting acredit slip which will be posted to your account. If your credits and paymentsexceed what you owe us, the amount will be applied against future purchasesand cash advances. If the credit balance amount is $1 or more, it will berefunded upon your written or verbal request. Any credit balance we allow willnot be available to refund until we confirm that your payment has cleared.Plan Merchant Disputes. We are not responsible for the refusal of any planmerchant or financial institution to honor your Card. Also, we are notresponsible for goods or services that you purchase with the Card unless: (a)your purchase was made in response to an advertisement we sent orparticipated in sending you; or (b) your purchase cost more than $50 and wasmade from a plan merchant in your state or within 100 miles of your home;and only if you have made a good faith attempt, but have been unable toobtain satisfaction from the plan merchant. You must resolve all otherdisputes directly with the plan merchant. We do not warrant any merchandiseor services purchased by you with the Card.Statements and Notices. Statements and notices will be mailed to you at themost recent postal address or e-mail address (if you have elected to receivesuch documents via electronic means) you have given us. Notice sent to anyone of you will be considered notice to all.Notification of Address Change. You will notify us promptly if you changeyour address for any reason. In order to prevent identity theft, your identitymay need to be verified before we act upon the notification.Copy Received. You acknowledge that you have received a copy of thisAgreement.Governing Law. This Agreement shall be construed under federal law andstate law in the state in which we are primarily located, and the venue shall belocated in the county and state in which we are primarily located. Operatingregulations of MasterCard may also apply. This Agreement is the contract thatapplies to all transactions even though the sales, cash advance, conveniencecheck, credit or other slips you sign or receive may contain different terms.NOTICE TO UTAH BORROWERS: This written agreement is a finalexpression of the agreement between you and the Credit Union. This writtenagreement may not be contradicted by evidence of any oral agreement.held, at our discretion, until your payment is honored. Payments made in anybilling cycle that are greater than the Total Minimum Payment Due will not affectyour obligation to make the next Total Minimum Payment Due.Refusal of the Card. We don�t guarantee approval of Transactions. We are notliable for those that aren�t approved, even if you have enough available credit onyour Account. If we detect unusual or suspicious activity, we may suspend yourcredit privileges. We may limit the number of Transactions approved in one day.We may also limit the maximum purchase or cash advance amount. Thismaximum limit may apply to single Transactions or aggregate daily amounts.Default; Acceleration; Credit Suspension; Collection Costs.  You will be in default if: (1) you fail to make any payment on time; (2) if you fail to keep anypromises you have made under this Agreement or under other Agreements youhave with us; (3) if you die; (4) if you file a petition in bankruptcy or have abankruptcy petition filed against you, or if you become involved in anyinsolvency, receivership or custodial proceeding; (5) if anyone attempts to takeany of your funds held by us via legal process or if you have a judgment or taxlien filed against you; (6) if you make any false, inaccurate, or misleadingstatements in any credit application or credit update; or (7) if we, in good faith,believe that your ability to repay what you owe is or soon will be impaired, orthat you are unwilling to make your payments.If you are in default, we have the right to demand immediate payment of your fullaccount balance without giving you notice. If immediate payment is demanded,you agree to continue paying interest charges and fees until what you owe hasbeen paid, and any shares that were given as security for your account may beapplied towards what you owe. You agree to pay all reasonable costs ofcollection, including court costs and attorney's fees, and any costs incurred inthe recovery of the Card, subject to applicable law. Even if your unpaid balanceis less than your credit limit, you will have no credit available during any timethat any aspect of your account is in default.Suspension of electronic services and access to share or depositaccounts. Subject to applicable law, we may suspend some or all electronicservices and access to your checking or other account(s) if you becomedelinquent on any of your credit card or deposit obligations to us or you cause aloss to us. We shall not be liable to you in any regard in connection with suchsuspension of services.Additional Benefits/Card Enhancements . We may from time to time offer additional services to your Account at no additional cost to you. You understandthat we are not obligated to offer such services and may withdraw or changethem at any time.Convenience Checks. We may, at our discretion, issue checks to you whichmay be used for any purpose other than making a payment for credit to youraccount. By signing such check, you authorize us to pay the item for the amountindicated and post such amount as a cash advance to your account. We do nothave to pay any item which would cause the outstanding balance in youraccount to exceed your credit limit.Credit Information. We may from time to time request personal informationfrom you or obtain credit reports from the credit reporting agencies for thepurpose of updating your credit status. Your failure to provide such informationwhen requested by us may result in suspension of credit privileges under thisAgreement, including your ability to obtain any future advances by any means.You authorize us to investigate your credit standing when opening or reviewingyour account. You authorize us to disclose information regarding your account tocredit bureau and creditors who inquire about your credit standing.Foreign Transactions; Currency Conversion.  Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. The conversionrate in dollars will be a rate selected by the card company from a range of ratesavailable in wholesale currency markets for the applicable central processingdate, which rate may vary from the rate the card company itself receives, or thegovernment-mandated rate in effect for the applicable central processing date ineach instance. All transactions processed outside of the United States (whichmay include internet transactions) will be charged a foreign transaction fee in theamount disclosed on your Truth-in-Lending Statement (as amended from time totime). page 5 of 6
9013 LASER CRIF FI16871 Rev 8-2020 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. If all of the criteria above are met and you are still dissatisfied with thepurchase, contact us in writing at the address(es) listed on your statement.While we investigate, the same rules apply to the disputed amount asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.We cannot try to collect the amount in question, or report you asdelinquent on that amount.The charge in question may remain on your statement, and we maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are responsiblefor the remainder of your balance.We can apply any unpaid amount against your credit limit.1.2.3.����While we investigate whether or not there has been an error:��Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, ifyou want to stop payment on the amount you think is wrong.Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe iswrong and why you believe it is a mistake.1.2.3.YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USEThis notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at the address(es)listed on your statement.In your letter, give us the following information:
The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses yourcredit card account do not qualify.You must not yet have fully paid for the purchase.1.2.Within 30 days of receiving your letter, we must tell you that we receivedyour letter. We will also tell you if we have already corrected the error.Within 90 days of receiving your letter, we must either correct the error orexplain to you why we believe the bill is correct.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 orany interest or other fees related to that amount.If we do not believe there was a mistake: You will have to pay the amountin question, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We maythen report you as delinquent if you do not pay the amount we think youowe.You must contact us:If you receive our explanation but still believe your bill is wrong, you must writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:You must notify us of any potential errors in writing. You may call us, but if youdo, we are not required to investigate any potential errors and you may haveto pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:
page 6 of 6
9013 LASER CRIF FI16871 Rev 8-2020 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connectionwith this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralizationprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subjectto the Military Lending Act.However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply thesums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.3.4.Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) towaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice fromyou in order to exercise your legal rights; or (d) Prepayment penalties.NOTICE:  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protectionfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees forspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receivethis notice verbally, please call 1-800-621-0287 during our normal business hours.IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
1.
Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory tothese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other termsand conditions of the consumer credit contract shall remain in full force and effect.The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the MilitaryLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�)), and (a) your loan is unsecured or secured by personal property or a vehiclethat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolvingline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
2.