GENISYS CREDIT UNION
         Genisys Business Credit Rewards MasterCard Cardholder Agreement and Disclosure 
                       THIS INFORMATION IS ACCURATE AS OF  11/24/20 AND MAY CHANGE. 
      To find out what may have changed call us at 248-322-9800 x5, 800-521-8440 x5, or write to us at P.O. Box 436034, Pontiac, MI 48343-6034.
       Interest Rates and Interest Charges  
       Annual Percentage Rate 
                            9.25% - 16.25% based on your creditworthiness. 
       (APR) for Purchases 
                            This APR will vary with the market based on the Prime rate. 
       APR for Balance Transfers  9.25% - 16.25% based on your creditworthiness.  
                            This APR will vary with the market based on the Prime rate. 
       APR for Cash Advances  9.25% - 16.25% based on your creditworthiness. 
                            This APR will vary with the market based on the Prime rate. 
       Penalty APR and When It  None 
       Applies 
       Paying Interest      Your due date is at least 28 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. 
       Minimum Interest Charge  None 
       Fees 
       Annual Fee           None 
       Transaction Fees 
          ? Balance Transfer None 
                            None 
          ? Cash Advance
                            Up to 1.1% of each transaction in U.S. dollars 
          ? Foreign Transactions
       Penalty Fees 
          ? Late Payment    Up to $25.00 
          ? Returned Payment Up to $26.00 
      How We Will Calculate Your Balance:  We use a method called �average daily balance (including new 
      transactions)�.  See your account agreement for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
      the attached account agreement. 
      Rate Information, including periodic rates, corresponding APRs and margins 
      Purchases 
      The following periodic rate and corresponding APR applies to all purchases made under this account. 
      Periodic Rate:  .77%-1.35% 
      Corresponding APR: 9.25%-16.25% 
      Your purchase APR is equal to the Prime rate plus a margin of 6.99% - 13.99% 
      Cash advances 
      The following periodic rate and corresponding APR applies to all cash advances made under this account. 
      Periodic Rate: .77%-1.35% 
      Corresponding APR: 9.25%-16.25% 
      Your cash advance APR is equal to the Prime rate plus a margin of 6.99% - 13.99% 
      Balance transfers 
      The following periodic rate and corresponding APR applies to all balance transfers made under this account. 
      Periodic Rate: .77%-1.35% 
      Corresponding APR: 9.25%-16.25% 
      Your balance transfer APR is equal to the Prime rate plus a margin of 6.99% - 13.99% 
                                 CARDHOLDER AGREEMENT 
       
      THIS IS YOUR AGREEMENT WITH GENISYS CREDIT UNION REGARDING RIGHTS AND RESPONSIBILITIES ASSOCIATED WITH 
      YOU  OBTAINING  ONE  OR  MORE  BUSINESS  CREDIT  MASTERCARD  CREDIT  CARDS.  PLEASE  READ  THIS  DISCLOSURE 
      CAREFULLY TO BE FAMILIAR WITH YOUR RIGHTS AND RESPONSIBILITIES. IT IS IMPORTANT TO RETAIN THIS NOTICE FOR 
      FUTURE REFERENCE AND TO NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
       
                                                
       1.  WORDS  OFTEN  USED  IN  THIS  AGREEMENT.  The  word  6.  ILLEGAL TRANSACTIONS. You agree that authorized users 
           �Agreement� means this GENISYS CREDIT UNION BUSINESS  will only use your Account for transactions that are legal. Display 
           CREDIT  REWARDS  MASTERCARD  CARDHOLDER  of a payment card logo by an on-line merchant does not mean 
           AGREEMENT. In this Agreement, the words �you� and �your�  that the transaction with that merchant is legal in your state of 
           mean or refer to the business entity which has applied for the  legal organization or residence. You agree that your Cards will 
           Card, or Cards and/or any Guarantors as applicable.  �Card�  not be used for any illegal transactions. We will not be liable if 
           means  the  Business  Credit  Rewards  MASTERCARD  Credit  you or your authorized users engage in any illegal transactions.  
           Card or Cards, and any duplicates and renewals thereof, or  7.  BALANCE  TRANSFERS.  Balance  transfers  may  include  the 
           substitutions thereof, we may issue to you. �Account� means  transfer of outstanding balances by you to your Account from 
           your Business Credit Rewards MASTERCARD Credit Card line  credit accounts issued by persons other than us. If you transfer 
           of credit loan account with us. �We,� �us� and �ours� means or  a balance to your Account, the available credit on your Account 
           refers to GENISYS CREDIT UNION.     will reduce by the amount you transfer. Total balances may not 
        2.  THIS IS YOUR CONTRACT WITH US. When your application is  exceed your available credit limit.  
           accepted by us, it becomes a binding contract. When you sign  8.  CASH ADVANCE BY MACHINE. If ATMs or other electronic 
           the  application,  you  acknowledge  receipt  of  a  copy  of  this  devices are available while this Agreement remains in effect 
           Agreement and promise to abide by the terms of this Agreement  which make it possible for you to obtain a Cash Advance by use 
           including all applicable laws.      of your Card in such a machine, we will furnish you with a secret 
        3.  SIGN  THE  CARD  AND  KEEP  THIS  AGREEMENT.  Each  PIN. Your use of the PIN, together with your Card, in getting a 
           Authorized User must sign his/her Card before using it. By use  Cash Advance from such machine is agreed to constitute your 
           of the Card by any and all authorized users, you are agreeing to  signature for purposes of such Cash Advance.  
           comply with the terms of this Agreement. However, your liability  9.  PERSONAL IDENTIFICATION NUMBER (PIN). We will furnish 
           under  this  Agreement  does  not  depend  on  whether  an  you with a PIN. You agree to keep the PIN secret. You also 
           authorized user signs his or her Card. You should read this  agree you won�t write the PIN on the Card or anything you keep 
           Agreement and keep a copy for future reference.   with the Card. You also agree the authorized users will not write 
        4.  USING  THE  CARD.  We  will  send  you  a  Card  or  Cards  the PIN on the Card or anything they keep with the Card. Your 
           embossed as you have directed. As soon as received, each  use of the PIN and Card in getting a Cash Advance or making a 
           Card must be signed (in the space provided on the back) by the  Purchase is agreed to constitute your signature for purposes of 
           person  whose  name  is  embossed  or  printed  thereon.  That  such transactions. If you authorize us to issue a Card to anyone 
           signature must be in the same form as shown on the front of the  else  for  use  through  any  electronic  access  device,  you  are 
           Card. To make a Purchase or Cash Advance, present the Card  authorizing that individual to withdraw funds from any account 
           to  a  participating  MASTERCARD  plan  merchant  or  financial  that can be accessed by that Card, regardless of whether that 
           institution, or to us, and sign the sales draft or cash advance  individual is authorized to withdraw money from the account by 
           draft  which  will  be  imprinted  or  otherwise  created  with  your  any other means.  
           Card. Please note that we are not responsible if a particular  10.  PROMISE TO PAY. If we approve your application and issue 
           MASTERCARD plan merchant or financial institution refuse to  you a Card, you promise to repay to us all amounts charged to 
           honor your Card. You will receive a copy of any draft you sign  your Account and the finance charge thereon arising from any 
           when using the Card which you should retain to verify your  authorized use of the Card. You agree not to allow unauthorized 
           monthly  statement.  We  will  upon  request  furnish  you  with  users  to  use  any  Card.  If  the  application  (and  thus  this 
           evidence of a transaction at a charge per copy as disclosed  Agreement)  is  signed  by  any  Guarantors,  each  of  you, 
           further  below;  however,  no  charge  will  be  made  in  cases  separately and jointly with each other, is liable for all amounts 
           involving  error  resolution.  You  may  use  your  Card  to  make  charged  to  the  Account  and  finance  charge  thereon.  Your 
           purchases  and  cash  advances  only  for  business  purposes,  obligation to pay all such debts and finance charge thereon 
           including commercial, industrial and professional purposes, and  continues even though an agreement, decree or other court 
           NOT for personal, family or household purposes. In addition,  judgement to which we are not a party may direct that only one 
           authorized users may obtain cash advances from the Credit  of you, or some person other that you (or all of you), must pay 
           Union or from a MASTERCARD financial institution or ATMs in  such debts and finance charge.  
           the  MASTERCARD  network.  Whenever  an  authorized  user  11.  CREDIT LINE. If we approve your application, we will establish 
           requests an advance, we may require that individual to prove  a self-replenishing line of credit for you and will notify you of the 
           his/her  identity.  When  the  amount  advanced  appears  on  a  amount thereof (�credit limit�). You agree not to let your Account 
           subsequent statement, that fact will be conclusive evidence of  Balance exceed such amount, and you agree to pay us the total 
           the request. To obtain an advance at an ATM the authorized  amount over the credit limit upon our demand whether or not we 
           user must use a Personal Identification Number (PIN) that was  authorized the advance(s) which caused you to exceed your 
           issued for use with the Card.       credit line. Unless you are in default, each payment you make 
        5.  AUTHORIZATION.  We  do  not  guarantee  authorization  of  a  on the Account will replenish your credit limit by the part of that 
           transaction,  either  by  us  or  a  third  party,  even  if  you  have  payment  which  is  applied  to  principal.  You  may  request  an 
           sufficient credit available. We reserve the right to deny certain  increase in the credit limit by a written application, which must 
           transactions for any reason and at our sole discretion, including  be approved by us. We may increase or decrease the limit from 
           for default, suspected fraudulent or unlawful activity, internet  time to time or may, with good cause, revoke your Card and 
           gambling  or  any  indication  of  increased  risk  related  to  the  terminate  this  Agreement;  in  either  event,  we  will  give  you 
           transaction or the Account. You agree that we will not be liable  written notice of such action. �Good Cause� includes your failure 
           for failing to give an authorization. We also reserve the right to  to  satisfy  the  terms  of  this  Agreement  or  our  adverse 
           limit the number of transactions that may be approved in one  reevaluation of your Credit worthiness; in either event, we will 
           day. If we detect unusual or suspicious activity, we may suspend  give you written notice of such action. In the event your Account 
           your credit privileges until we can verify the activity or we may  is cancelled or revoked due to default, the balance at the time of 
           close the Account.                  default  may  be  transferred  in  house  with  the  Credit  Union. 
                                               However, you may terminate this Agreement, at any time and for 
           any  reason,  by  giving  us  written  notice.  Nevertheless,  Purchases if you pay your entire balance by the due date each 
           termination by you or by us does not affect your obligation to  month. We will begin charging interest on Cash Advances and 
           pay all debts and finance charge thereon arising from authorized  Balance Transfers on the transaction date. Cash Advances and 
           use of your Card. The Cards remain our property and you must  Balance Transfers do NOT have a Grace Period.  
           recover and surrender to us all Cards upon our request or upon  18.  VARIABLE  RATE  INFORMATION.  We  calculate  any  APR 
           termination of this Agreement.      based on the U.S. Prime Rate (�Prime Rate�) and by adding a 
        12.  MULTIPLE GUARANTORS. If more than one person signs the  margin  to  the  Prime  Rate.  Your  margin  is  identified  in  our 
           application as Guarantor, each such person promises to pay all  account opening information. Your APRs are variable and may 
           amounts owed to us under this Agreement. Each of you agrees  increase or decrease if the Prime Rate increases or decreases. 
           that all authorized users can make purchases, cash advances,  For each billing period, we use the Prime Rate published in the 
           or  balance  transfers  individually.  Each  of  you  is  jointly  and  Wall Street Journal on the last day of the month during that 
           severally  obligated.  This  means  that  we  may  collect  money  billing period. A change in the APR due to a change in the Prime 
           owed to us from each of your or from all of you regardless of any  Rate takes effect as of the first day of the billing period for which 
           legal proceedings to which we are not a party. In any event, all  we calculate the APR. We apply the new applicable APR to any 
           of you will continue to be jointly and severally obligated until all  existing balances, subject to any promotional rates that may 
           Cards are returned and all amounts owed are paid in full.   apply, and as allowed by law. If the APR increases as a result of 
        13.  AUTHORIZED USERS. You may allow Authorized Users on  the Prime Rate increasing, your interest charges will increase 
           your Account in the following ways; (1) notifying us that you  which may also cause your minimum payment to increase.  
           authorize  an  individual  be  added  to  the  Account  as  an  Interest charges are a finance charge added to your Account 
           Authorized User; (2) by lending your Card or Account Number to  when we apply the applicable Annual Percentage Rate (APR) to 
           someone else; or (3) by any other means in which you would be  your balances on your Account. We figure the interest charge on 
           legally considered to have allowed another to use your Account  your Account by applying the periodic rate to the average daily 
           or be legally prevented from denying that you did so. You should  balance of your Account. We calculate interest separately for 
           think  carefully  before  you  allow  someone  to  become  an  each  Balance  subject  to  interest  rate.  These  include  for 
           Authorized User. By doing so, you authorize the person to use  example, Purchases at the current rate, Cash Advances at the 
           your Account, including but not limited to making purchases,  current rate, and Balance Transfers at the current rate. Your 
           cash advances, balance transfers, and allowing others to use  monthly billing statement shows each Balance subject to interest 
           your Account. Your Account does not permit you to limit the  rate. To calculate interest, we first calculate an average daily 
           nature or amount of authority you give to any Authorized User  balance for each Balance subject to interest rate as described 
           and you agree that you will not attempt to do so. An Authorized  herein.  
           User�s authority will continue until you both notify us that you are  Purchases. To get the average daily balance on Purchases, we 
           terminating the authority and you physically retrieve the Card. If  take the beginning balance of Purchases of your Account each 
           you cannot retrieve the Card, you  will remain liable for any  day, add any new Purchases, and subtract any unpaid interest 
           transactions we cannot prevent after you notify us.   or other finance charges and any payments or credits. This 
        14.  PAYMENTS. We will mail you a statement every month showing  gives us the daily balance for Purchases. Then, we add up all 
           your Previous Balances of purchases and cash advances, the  the daily balances for the billing cycle and divide the total by the 
           current  transactions  on  your  Account,  the  remaining  credit  number of days in the billing cycle. This gives us the average 
           available  under  your  Credit  Line,  the  New  Balances  of  daily balance of Purchases.  
           purchases and cash advances, the New Balance, the finance  Cash Advances. To get the average daily balance on Cash 
           charge due to date, and the Minimum Payment required. Every  Advances, we take the beginning balance of Cash Advances of 
           month you promise to pay at least the Minimum Payment by the  your  Account  each  day,  add  any  new  Cash  Advances,  and 
           date specified on the statement, or no later than 28 days from  subtract any unpaid interest or other finance charges and any 
           the statement closing date, whichever is later. You may pay  payments or credits. This gives us the daily balance for Cash 
           more frequently, pay more than the Minimum Payment, or pay  Advances. Then, we add up all the daily balances for the billing 
           the New Balance in full. If you make extra or larger payments,  cycle and divide the total by the number of days in the billing 
           you are still required to make at least the minimum payment  cycle.  This  gives  us  the  average  daily  balance  of  Cash 
           each month the Account has a balance (other than a credit  Advances. 
           balance). If the New Balance shown on your monthly statement  Balance Transfers. To get the average daily balance on Balance 
           is less than $25.00, your Minimum Monthly payment (due by the  Transfers, we take the beginning balance of Balance Transfers 
           Payment  Due  date)  is  your  New  Balance.  Otherwise,  the  of your Account each day, add any new Balance Transfers, and 
           Minimum Monthly payment for each billing cycle will be the total  subtract any unpaid interest or other finance charges and any 
           of: (1) $25.00 or 2% of your new Balance, whichever is greater;  payments or credits. This gives us the daily balance for Balance 
           (2) any amount in excess of your credit line; and (3) any amount  Transfers. Then, we add up all the daily balances for the billing 
           past  due.  You  may  pay  more  than  the  Minimum  Monthly  cycle and divide the total by the number of days in the billing 
           payment and may, at any time, pay the full amount you owe us  cycle.  This  gives  us  the  average  daily  balance  of  Balance 
           without penalty for prepayment. We may accept late payments,  Transfers. 
           or  partial  payments  and  payments  marked  �payment  in  full�  19.  PERIODIC STATEMENTS. We will mail you a statement every 
           without losing any of our rights under this Agreement.   month  showing  your  previous  balance,  purchases  and  cash 
        15.  PAYMENT  ALLOCATIONS.  Subject  to  applicable  law,  any  advances,  payments  made  on  your  Account,  periodic  rate, 
           payments over the required minimum payment amounts and any  annual  percentage  rate,  finance  charge  and  its  method  of 
           credit to balances on your Account will be credited to balances  computation,  any  other  charges,  grace  period,  payment  due 
           with  the  highest  applicable  APR  first.  We  will  then  credit  date,  procedures  for  error  resolution,  Minimum  Payment 
           payments to lower rate balances in descending order of APRs.  required, and the closing date with corresponding New Balance 
           The manner in which we apply any payment to your Account  for  the  billing  cycle.  At  our  option,  you  may  not  receive  a 
           balances may  affect the  amount  of  any  payment  applied  to  statement on your Account if there has been no activity or if 
           introductory or promotional financing balances.   collection procedures have been initiated against you because 
       16.  CREDITS. If your credits and payments exceed what you owe  you are in default. Each statement is deemed to be a correct 
           us on the Account we will credit such excess to the Account  statement unless you establish a billing error pursuant to the 
           and, if the amount is $1.00 or more, we will credit it to your  procedures for doing so as described in this Agreement.  
           share account after 6 months or upon your written request.   20.  DEFAULT. You will be in default and we may, to the extent 
       17.  GRACE  PERIOD.  Interest  charges  begin  to  accrue  on  permitted  by  law,  terminate  your  credit  line  and  declare  the 
           transactions from the date it is added to the daily balance and  entire  unpaid  balance  of  this  Account  immediately  due  and 
           continue  to  accrue  until  payment  in  full  is  credited  to  your  payable, under any of the following conditions:  
           Account. Your due date is at least 28 days after the close of  ?  You fail to make the minimum payment by the statement 
           each  billing  cycle.  We  will  not  charge  you  any  interest  on  payment due date; 
          ?  You breach any other promises made in or conditions of the  28.  FOREIGN  TRANSACTIONS.  Purchases  and  cash  advances 
             Agreement and/or any other agreement with us;  made in foreign countries and foreign currencies will be billed to 
          ?  Any  of  your  Cards  or  the  Account  is  used  for  an  illegal  you in U.S. dollars. The conversion rate to dollars will be at (1) 
             transaction;                      the wholesale market rate or (2) the government mandated rate, 
          ?  If you or any Guarantor become involved in any insolvency,  whichever is applicable, in effect one day prior to the processing 
             receivership,  guardianship,  conservatorship,  or  any  other  date, increased by one percent. When you make a transaction 
             proceeding which determines you or any such Guarantor are  outside  of  the  U.S.,  a  fee  up  to  1.1%  of  the  converted 
             incapable of managing your financial affairs, including filing  transaction amount will be applied to your Account as permitted 
             for Bankruptcy;                   by law.  
          ?  You have or any Guarantor has made a false or misleading  29.  TRANSACTIONS WITH MERCHANTS.  
             statement  in  any  credit  application  and/or  in  any  ?  Return Policies � If a merchant discloses a policy such as 
             representation to us while you owe money on the Account;  but not limited to �no returns,� �no refunds,� �as is,� or �all 
          ?  A judgement or tax lien is filed against you or any Guarantor,  sales final� you will be bound by that policy when you use 
             or any attachment or garnishment is issued against any of  your Account to buy goods or services from that merchant.  
             your  or  any  Guarantor�s  property  or  accounts,  including  ?  Reservations � When using your Account to make a travel or 
             anyone starting an active or proposing to seize any of our or  lodging reservation, obtain the merchant�s cancellation policy 
             any Guarantor�s funds on deposit with us;  and follow it if you wish to cancel. If you cancel, obtain the 
          ?  We in good faith determine that your or any Guarantor�s  merchant�s cancellation number that is it required to provide 
             creditworthiness  (which  includes  your  or  any  Guarantor�s  to  you.  The  merchant  may  charge  you  for  a  cancelled 
             ability to repay us) has become unsatisfactory due to change  transaction unless you can provide us with the merchant�s 
             in employment, increase in other obligations, or because of  cancellation number.  
             any other reason, time being of the very essence;  ?  Recurring  Transactions  �  If  you  authorize  a  merchant  to 
          ?  Any Guarantor dies; or             charge  your  Account  for  repeat  transactions  without  your 
          ?  Government action precludes us from imposing the annual  Card, you must notify the merchant, and not us, when you 
             percentage rate set forth in this Agreement or a government  want to discontinue the repeat transactions.  
             authority has notified us that continued advances constitute  ?  Dispute Access � If you disagree with a transaction on your 
             an unsafe and unsound practice.    statement or have a dispute with a merchant as a result of a 
        21.  COLLECTION COSTS. You also agree that, in case of default,  transaction, you agree to provide us with information and 
           you will pay all usual and customary costs of collection permitted  assistance we reasonably request. Otherwise, you will pay 
           by law, including, but not limited to, attorney fees and expenses  us for any resulting loss we have, unless we are prohibited 
           incurred by us in the enforcement of this Agreement.   by law from holding you liable for our loss.  
        22.  DELAY OR FAILURE TO ENFORCE. We do not lose our rights  The  credit  union  is  not  responsible  for  the  refusal  of  any 
           under this or any related agreement if we delay or fail to enforce  merchant or financial institution to honor the Card.  
           them. We can accept late payments, partial payments or any  30.  CARD  USE  AND  OWNERSHIP.  You  understand  that  your 
           other  payments  without  losing  any  of  our  rights  under  this  Business Credit Rewards MASTERCARD credit card is issued 
           Agreement.                          by us, remains our property, and is subject to rules governing 
        23.  NOTIFICATION OF ADDRESS CHANGE. You agree to notify  credit card and ATM networks, which financial institutions must 
           us promptly if you or any Guarantor change your name, address  follow. The Cards are not transferable. By using your Card at an 
           or telephone number.                ATM, you are agreeing to the following additional terms: (1) To 
        24.  ADDRESS  FOR  NOTICES  TO  US.  All  notices  under  this  abide by the rules and regulations and those of the participating 
           Agreement must be in writing and mailed to GENISYS CREDIT  ATM network as may be amended; (2) That we and the ATM 
           UNION, 2100 Executive Hills Blvd., Auburn Hills, MI 48326.  network may follow all electronic instructions given through the 
        25.  CHANGE IN TERMS. From time to time, we may amend this  ATM; (3) That we may restrict the use of or terminate your Card 
           Agreement by mailing a written notice of the amendment to you  at any time without notice to prevent loss to your Account or to 
           at the last address shown for you in our records. In the event the  the Credit Union; (4) The Card may not be used for any illegal 
           terms we are changing require advance notice by law, we will  transaction.  
           comply with the requirements of that law.   31.  DAILY  LIMITS.  You  agree  to  adhere  to  any  daily  limits 
        26.  CREDIT REPORTING AGENCIES. You and each Guarantor  established  by  the  Credit  Union  in  conformance  with  any 
           authorize us to investigate your credit standing when opening,  applicable ATM network agreement and which are subject to 
           renewing or reviewing your Account, and you authorize us to  modification to preserve the integrity of the ATM network and 
           disclose information regarding our experience with you under  prevent loss to the Credit Union or its members.  
           this Agreement to credit bureaus, including consumer reporting  32.  FEES AND CHARGES. You agree to pay the following fees and 
           agencies, and other creditors. If a Guarantor requests it, we will  charges with respect to your Account:  
           provide  the  name  and  address  of  each  consumer  reporting  ?  Late Charges: If you fail to make any payment in at least the 
           agency used for this purpose. If a Guarantor believes we have  amount of your minimum monthly payment on or before its 
           reported  inaccurate  information  about  the  Guarantor  to  a  due  date,  you  may  be  charged  a  Late  Charge  of  up  to 
           consumer  reporting  agency,  please  notify  us  at the  address  $25.00. 
           listed  above  in  Section  24.  In  doing  so,  please  identify  the  ?  Returned Payment Fee: If a check or similar instrument or 
           inaccurate information and tell us why you believe it is incorrect.  other item you give to us as payment on your Account is 
           If you have a copy of the credit report that contains the alleged  dishonored or returned for any reason, or if an automatic 
           inaccurate information, please send us a copy of that report as  debit is returned unpaid, we may add a fee of up to $26.00 to 
           well.  All  Guarantors  are  hereby  notified  that  negative  your Account.  
           information  will  be  provided  to  appropriate  consumer  ?  ATM Fees: Your Account may be charged, and you agree to 
           reporting agencies if you fail to perform your obligations  pay,  any  ATM  fees,  including  surcharges  or  other  fees 
           under this Agreement.                imposed by a financial institution or network for transactions 
        27.  TRANSACTION SLIPS. Your periodic statement will identify the  at ATMs.  
           merchant, electronic terminal location, or financial institution at  ?  International  Transaction  Fee:  Your  Account  may  be 
           which transactions were made, but sales, cash advances, credit  charged, and you agree to pay, a 1.1% INTERNATIONAL 
           or other slips cannot be returned with each statement. You must  TRANSACTION FEE on all transactions where the merchant 
           retain  the  copy  of  such  slips  furnished  at  the  time  of  each  country differs from the country of the card issuer (that is, for 
           transaction  in  order  to  verify  the  transactions  listed  on  your  any transaction outside of the United States). That converted 
           statement. You agree to pay a reasonable fee for transaction  transaction  amount  will  be  shown  separately  from  the 
           evidence that you request.           International Transaction Fee on your billing statement. This 
             fee will be assessed on all international purchases, credit  reach you. We may contact you in any way including calling or 
             vouchers, and cash disbursements.   text messaging you. We may contact you using a prerecorded 
          ?  Card Replacement Fee: $5.00 (does not apply to Cards sent  message or an automated dialer. We may contact you on a 
             at renewal).                      mobile phone or similar device even if you are charged for such.  
          ?  Returned MASTERCARD Check Fee: We may add a fee of  38.  GOVERNING LAW. The agreement and your Account and any 
             up to $26.00 to your Account, in accordance with applicable  claim, dispute, or controversy arising from or relating to this 
             law, if we decline to honor a MASTERCARD Check. We may  Agreement or your Account, whether based on contract, tort, 
             decline to honor a MASTERCARD Check if, for example, the  fraud, and other intentional torts, status, common law and/or 
             amount of the check would cause you to exceed your credit  equity, are governed by and construed in accordance with the 
             limit,  you  are  in  default,  you  did  not  comply  with  our  laws of the state of Michigan (without regard to its conflicts of 
             instructions regarding the check, or your Account has been  laws  principles  or  rules)  and  applicable  federal  laws.  The 
             closed.                           legality, enforceability and interpretation of this Agreement and 
       33.  MASTERCARD  CHECKS.  We  are  not  obligated  to  pay  a  the amounts contracted for, charged and received under this 
           MASTERCARD Check if, at the time the check is presented, you  Agreement will be governed by such laws. This Agreement is 
           are in default of this agreement, we have revoked your right to  entered into between you and us in the State of Michigan, and 
           use your MASTERCARD Card, your Account is closed for any  we make credit decisions under this Agreement from the State 
           reason, or if your Card has expired. Each check must be in the  of Michigan. You further consent to the jurisdiction and venue of 
           form we have issued you. These checks may be used only by  the State or Federal Courts having jurisdiction  over Oakland 
           the person(s) whose name(s) is/are printed on the check, and  County, Michigan. 
           may not be used to pay an amount owed us under this or any  39.  ASSIGNMENT. We may sell, assign or transfer all or any portion 
           other account or agreement that you have with us. You are  of  your  Account,  or  any  balance  due  under  your  Account, 
           responsible for all authorized use of your checks to pay any  without prior notice to you. You may not sell, assign or transfer 
           amount  which  you  owe  under  this  Agreement.  We  are  not  your Account or any obligations under this Agreement.  
           obligated to certify these checks nor will we return paid checks  40.  INFORMATION ABOUT YOU AND YOUR ACCOUNT. We will 
           to you.                             not disclose any Guarantor�s non-public personal information to 
       34.  LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS.  unaffiliated  third  parties  except  as  otherwise  permitted  or 
           We will not be liable for transactions that are not completed if  authorized by law. Please refer to our Privacy Policy Notice for a 
           any of the following circumstances apply:   full explanation of how we protect your information. You may 
          ?  Through no fault of ours, you do not have sufficient funds  obtain a copy of our Privacy Policy Notice by calling us at (800) 
             available in your credit line;    521-8440. 
          ?  The transaction would cause you to exceed your credit limit;  41.  BENEFITS AND PROGRAMS. We may from time to time offer 
          ?  The ATM where you are requesting a cash advance does not  additional services to your Accounts or special programs related 
             have enough cash;                 to you being a Cardholder, at no additional cost to you. You 
                                               understand and agree that we are not obligated to offer such 
          ?  The terminal or system was not working properly and you 
                                               services or programs and may withdraw or change them at any 
             knew  of  the  malfunction  at  the  time  you  initiated  the 
                                               time.  
             transactions; 
                                           42.  SEVERABILITY.  If  any  provision  of  this  Agreement  is 
          ?  Circumstances beyond our control (such as fire or flood) 
                                               determined to be void or unenforceable under applicable law, 
             prevent the transaction, despite reasonable precautions we 
                                               regulation, or rule, all other provisions of this Agreement shall be 
             have taken; 
                                               valid and enforceable.  
          ?  Your Card is retrieved or retained by an ATM; 
                                           43.  ENTIRE  AGREEMENT  /  EFFECT  OF  AGREEMENT.  This 
          ?  Your Card or PIN has been reported lost or stolen and your 
                                               Agreement, together with any application you or any Guarantor 
             Account has been blocked or frozen; 
                                               signed or otherwise submitted in connection with the Account 
          ?  Your Account is in default; 
                                               (which is hereby incorporated by reference in this Agreement), 
          ?  You or anyone authorized by you to conduct a transaction 
                                               constitutes the entire agreement between you and us relating to 
             commits fraud or violates any laws or regulations; or 
                                               your Account, supersedes any other prior or contemporaneous 
          ?  You fail to follow the instructions on an ATM screen or other  agreement between you and us relating to your Account, and 
             terminal.                         applies to every transaction relating to the Account even though 
       35.  LOST  OR  STOLEN  CARDS.  You  may  be  liable  for  the  a sales or cash advance draft you sign or a credit slip may 
           unauthorized  use  of  your  Card.  You  will  not  be  liable  for  contain different terms. This Agreement may not be amended 
           unauthorized use that occurs after you notify GENISYS CREDIT  except in accordance with the provisions of this Agreement. You 
           UNION at the address or telephone number set forth below. You  further acknowledge receipt of a copy of this Agreement.  
           must notify us orally or in writing of the loss, theft, or possible  44.  CREDIT UNION MEMBERSHIP. You understand and agree that 
           unauthorized  use.  In  any  case,  your  liability  will  not  exceed  the  closing  of  your  Credit  Union  Business  Regular  Share 
           $50.00. Notify us at:               Account terminates your status as a Business member of the 
                                               Credit Union, and upon such closing, you can no longer obtain 
             GENISYS CREDIT UNION              credit with the Business Credit Rewards MASTERCARD Credit 
             2100 Executive Hills Blvd.        Card.  
             Auburn Hills, MI 48326        45.  CLOSING YOUR ACCOUNT. We may revoke your Card and 
             (800) 521-8440                    terminate the Account and this Agreement. You may terminate 
                                               this Agreement at any time and for any reason by giving us 
           If your MASTERCARD is lost or stolen on a weekend, holiday or  written notice. Nevertheless, termination by you or by us does 
           after Credit Union hours, call (888) 241-2510 (domestic) or (909)  not affect your obligation to pay all debts and any fees and 
           941-1398 (international).           interest thereon arising from authorized use of your Card. The 
        36.  LIMITATIONS  AND  RESPONSIBILITIES.  We  will  not  be  Cards remain our property and you must recover and surrender 
           responsible for merchandise or services purchased by you with  to us all Cards upon our request or upon termination of this 
           the  Card.  We  are  not  liable  for  the  refusal  or  inability  of  Agreement.  
           merchants,  financial  institutions  and  others  to  accept  your  46.  PERSONAL GUARANTY. If you signed the application as a 
           Card(s) or electronic terminals to honor them or complete a  Personal Guarantor, you unconditionally guarantee (i) the full 
           transaction, or for their retention of the Card(s).   and  prompt  payment  when  due,  whether  by  acceleration  or 
        37.  CONTACT INFORMATION. You agree to notify us of a change  otherwise,  and  at  all  times  hereafter,  of  all  credit  extended, 
           in address or other contact information. If we need to contact  together with applicable finance charges, fees and collection 
           you regarding your Account, you authorize us, or our agents and  costs; and (ii) the full and prompt performance of all of the 
           contractors,  to  contact  you  at  any  telephone  number  you  terms, covenants, conditions and agreements  relating to this 
           provide, from which you call us, or at which we believe we can  Account. This guaranty can be revoked by a Personal Guarantor 
           by providing 30 days� written notice to us at GENISYS CREDIT   
           UNION 2100 Executive Hills Blvd., Auburn Hills, MI 48326, or at   
           such other address as we may specify from time to time, but any   
           such  revocation  will  in  no  way  affect  any  obligations  of the   
           Personal Guarantor existing on or prior to the effective date of   
           such revocation.  
           47.     SECURITY INTEREST. As a condition of us granting you credit under this Agreement, you and all Guarantors hereby agree to 
           grant us a security interest in all present and future shares and deposits with us except Individual Retirement Accounts and other accounts 
           which provide tax benefits under state or federal laws to secure this MASTERCARD Account. Upon default under this Agreement you and 
           all Guarantors agree that we may apply all of your shares and deposits subject to this security interest to pay amounts due on the Account 
           under this Agreement. You also agree to grant us a security interest in collateral (other than collateral consisting of (i) real estate that is the 
           principal residence of a Guarantor; and (ii) household goods) securing other loans with us to secure credit under this Agreement.  
          
         
        
       The following is important information regarding your right to dispute billing errors. 
        
                                    Your BILLING Rights � 
                                 Keep This NOTICE For Future Use 
         
        This notice contains important information about your rights and our responsibilities with regard to errors. 
         
        Notify Us in Case of Errors or Questions About Your Bill. 
        If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at GENISYS 
        CREDIT UNION, 2100 Executive Hills Blvd., Auburn Hills, MI 48326. 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 is an error. If you need more information, describe the item you 
             are not sure about. 
        
       If you have authorized us to pay your credit 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. 
        
       If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. 
        
       Your Rights and Our Responsibilities After We Receive Your Written Notice 
       We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 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 to 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, but you are still obligated to pay the parts of your bill that are not in question. 
        
       If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn�t 
       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 statement of the amount you owe and the date that it is due. 
        
       If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and 
       you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about 
       your bill. And, we must tell you the name of anyone we reported you to.  
        
        
       We must tell anyone we report you to that the matter has been settled between us when it finally is. 
       If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct. 
        
       Special Rule for Credit Card Purchases 
       If  you  have  a  problem  with  the  quality  of  property  or  services  that  you  purchased  with  a  credit  card,  you  may  have  rights  under 
       MASTERCARD Operating Rules.  Please contact us for further information if this situation arises.