a” ~         } DESERET FIRST CREDIT UNION   P.O. Box 45046 « Salt Lake City, Utah 84145 » (801) 456-7000 Visa Platinum and Classic Credit Card Disclosure     Interest Rate and Interest Charges           when if applies: interest rate may be re-evaluated after 6 months. Type of Card Platinum and Classic Annual Percentage Rate 8.9%-18.00%* (APR) for Purchase *APR will be mailed to you upon the approval of your application. APR for Cash Advances 8.9%-18.00%* APR for Balance Transfers 8.9%-18.00%* Penalty APR 18.00% Penalty APR and This 18.00% penalty APR may be applied to your account if: 1) Your loan is 60 days delinquent 2) Make a payment that is returned; or 3) Do any of the above on another account that you have with us.   How to avoid paying interest on purchases The grace period is for the first 25 days of the billing cycle. No FINANCE CHARGE will be charged if you pay the entire New Balance of Purchases each month within 25 days of your statement closing date.   For Credit Card Tips from the Consumer 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:/Avww.consumerfinance.gov/learnmore     Setup and maintenance fees: Fees             « Annual Fee None * Set Up Fee None * Additional Card Fee None Transaction Fees: « Balance Transfer None * Cash Advance 1.5% of advance   « Foreign Transaction 1% of purchase   Penalty Fees:   « Late Payment 525.00 or minimum payment due, whichever is less.   * Returned payment 525.00     * Over the credit limit         How we will calculate your daily halance: Balance is calculated by taking the beginning balance of your account each day and subtracting any payments or credits (and any unpaid   g cycle. This determines the daily balance. Then, all of the daily balances for the billing Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. In this Agreement the words you and your mean each and all of those whe apply for the card or who sign the Visa Gard Agreement, card means the Visa Credit Card and any dupli- cates and renewals we issue. Account means your Visa Credit Card Ling-of Credit account with us. We, us, ours.and the credit-union means Deseret First Federal Credit Union. 4. RESPONSIBILITY: If we issue you a card. you agree 19.rapay ail debts, charges and the FINANCE CHARGE arising direct.yau or gnather person to p: you for charges he or she makes, bu! ite for all charges on the accour           ust immediately notify the credit   8 believe the card. the account number. the PIN or any combination of fhe thres yeasonabia ie piscalions to keen your PIN Senataie fram ¥ your Card end ‘e prevent the. unauthorized disclosure of nner any ¢ AMsSlance §. GRE i fe H for you. The amount will i, tepay ihe ¢ full or in art and borrow again up to your maximum, a Jong as you continue tobe cred ght to terminate the account wi ¢ to the extant o   ‘at (801) 456-7000 or 800-326-3328 or   does. not aect your ubfigation te pay a account balance. 6. INTEREST RATE ADJUSTMENTS be requested to provide current 2     interest cate.    ~ = 8B CREDIT INFORMATION: You authorize us 0 investigate your credit standing whan opening, renewing of reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus ard other creditors sao Inquire of us about your credit standing. MONTHLY PAYMENT: We wilt mail you  Statement.every month showing your Previous Balances of purchases and cash atvances, te current transactions of your account (which includs purchases, cash advances, other debits. sayments and other cradits}, the Total New Balance, the FINANCE CHARGE due to date. the unused credit under your Credit Line, afd the Minimum Payment required. Every month you must pay at least the Minimum Payment vdlbin 25 days of your ain clasing date. You may, of course, pay more trequerlly, pay more ean the Minimum Payment, or pay the Payoff Balance in full. You will reduce the FINANCE CHARGE by doing The Minimum Payment will be. either (@} 3% af your Payatt Batanee or $25.00; whichever is greater. or (b} your Paycif Balance, if it is less than $25.00 plus (c} any portion of the Minimany Payment(s) shows on prior state: ants), which remain unpaid. in addition, at any time your Total New-Balance exceeds your Credit Line, you must immediately pay the excess upon dur damand. We will apply your payments first to anjy late fees: then to ine FINANCE CHARGE on sash advances (accutnulated and unpaid'as of the date payment is applied); then to the FINANCE CHARGE on purchases. first to previously billed and unpaid and then-to. current billed-and uapaidy; then to the accumulated cash advance balance: and then te the dalahte of new purchases, whether cr not billed on the Monthiy Statement, The Credit Union shall credit your payment.the same day if it is received prior the close of business.           Payments can be made in person at any of our offices, by telephone, by internet transfer or matted to: Deseret First Cred Union PO. Box 45046 Salt Lake City, UT 84145 FINANCE CHARGES AND OTHER CHARGES: You can avoid FINANCE CHARGE on purchases by. paying the f amount of the “New Salanee” of Purchases.each month within 25-days of your statement closing ‘date. Other: “i ine Now Balance of Purchases and subsequent purshases trom the data they are posted 1 your account will be subject to the FINANCE CHARGE. Casir advances ate always. sabject tea FINANCE CHARGE irom the date they are posted to your acouunt. NANCE CHARGES are caiculated using 8 Average daily balance method. The oyincipal balances-of and cash are ah day during the statement-pariod, beginning with the princisal portion of Previous. Balances. reduced by vauments you make and credits that are applied and increased by purchases and cash advances you make and adjustments we make curing the statement period. The ally principal balances are totaled and divided by the number of days in the statement period to Produce separate average daily principal balances for ptirchases and cash advances ut: which the periodic rate, set forth in the table is thes applied. Other Charges are set iorth above. DEFAULT: You will be in default if you fal to make the minimum Aequired Paymest within 25 days after your monihiy slaiement closing date, H your accountis 10 days delinauent, your card will be blocked unt your account is current. He your aonountis 80 days delinquent, your rate vill be adjusted up 2% and your card oriviieges will be terminated. {f after she rate adiustment you remain current on your joan gayments for a.6-month petiog you ry reapply to have your card privil z and interest rate lnated. ij in defauli of any other oat 1 OF Obligation te the credit usion, cause a loss to the eredit union antior your ability to repay us is materially reduced by a change in your employment. an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failury to abide by this agreement. ifyou default, the entire balance of this account shall become dua and payable at the option of the Credit Union. Each party hereto further agrees that if payment of this-avcount shall nol.be made.as herein provided, he shall pay the costs of edliaction, including all atterney-fees and costs including all said fees and costs in bankruptcy court or omappeal. ‘The Credit Union can.delay enforcing any of ils rights. under this agreement without losing them. USING THE CARD: To make a purchase or cash advance, twe alternative procedures exist. One is for you to present the card to @ participating VISA plan merchant. to us of 10 another fiancial institution, and sian the sales or cash advance draft which will be cmpzinted with your card. The other is to complete the transaction by. using your Personal identieation Number {PINY in conjunction with the card in.an Automated Taller Machine or ether type of electronic terminal that provides accass tc the VISA system. The monthly statement will identify the marchart, slectronis terminal or financial inatitution at-whick transactions were made, but sales, cash advance, eredit or other slips cannot be returned with the state: ent You wi retain the copy of such sips turnishes at the time of transaction in order to verily the monthly statement. The Credit Union may make a reasonable charge for photocapies of slips you may request, You understand and agree that neither your card ver any information contained in cron the card may be used for any purchase or transaction deemed to be Hlegal ue Ader Utah or other applicadie law, This includes but is not limited to, internet gambling. Use of the card acknowledges that the purchase or transaction is Jawful and subject to the terms of this agreement. RETURNS AND ABJUSTMENTS: Merchants and olers who honor the Card may give credit for returns or adjustments, and they will do so by sending a credit, which we-will post to your account. DO NOT subtract a credit that does not appaar on your statement from your New Balance as this may cause you to-recaive a FINANCE CHARGE. ff your-credits and payinents exceed your Current Balance, this will esuit ina “Credit Balance” ac your Visa. FOREIGN TRANSACTIONS: Transactions made in foreign comiries will be billed to you in US dollars. Gonvarsion to US-dollars is determined by a fale selected by Visa fram a tange of rates available in wholesale: currency markets for the applicable central processing date, which rate may vary from the rate Vfisa itself receives ar the govern: Jnandated rate iv effect for the applicable cettral processing date plus a7 percent outrency conversion fee. The. currency conversion fee will appear as & separate lite‘on your for each D ina foreign country.                                                   SECURITY INTEREST: in-consideration for dnd as a sondifion of the credit union issuing 2 credit card 10 you, you grant the credit unfoas ¢ SECURITY INTEREST in all junds and other assels of yours Reld by the credit. unioz, including any assets, which may be oledged as coliateral for another loan with the credit union. You atso consent + cur right to offset any. acoaunt payment delinquency with funds in any of your ofedit union abcounts withou' advance sotice to you. This fier does not restrict your right to withdraw funds prior to the exercise of the oradit union's right and is cet 2 pledge by you of your accounts, Any exercise of the right by the credit union is not an election of remedies.       Aline credit union's option, a-specified ameunt on daposit in one or mora of your credit union aocaunis may be pledged as security for repayment of all amounts loaned tc you under the terms of this agreement. The ammount pledged and the.account'will be shown on the separate security agreement, You cannot withdraw the funds pledged fromthe accaunt.as long as the pledge is in effect. 1! you default in your payments under ine terms of this agreement, the credit union has the sight to apply the amount specifically pledged ic pay off this ecoount in full or in part. PLAN MERCHANT DISPUTES: A plan merchant is a merchant thal accepts a Visa Card as a form ct payment for gocds or services. We are aot responsible for the refusal.ot any plan merchant, vendor or financial, institution to “honor your cars.   EFFECT OF AGREEMENT: This Agreement is the contract, which applies to all transactions on your accourt even though the sales, cash advance, credit or other silos you sign or receive may contain different terms. We may amend this Agreement fran: time to time by sending you the advance written sotice required by law. Your use of e card therealter will indicate your agreement to nents, To the extent ihe law germils, and we indicate in our notice, amendments will apply tc your existing account balance as well as to future frensactions. FINAL EXPRESSION: This Agreement is tne final expressicn of the terms and conditions of this VISA line of credit between yeu and the arash Union. This written Agreement may not be conladicted by evidence of ary alleged oval _agreament. COPY RECEIVED: You acknowledge réceiptof s copy of this Agreement, OTHER CHARGES: | understand and agree:that1 wil be sesponsible to pay stop payment, recsipt copy fees according to the tee schedule, located on our -webske at wwyidioucom or you can obtain a copy from any employee of the Credit Union. LATE PEE: The-late fee is $25.00 or the mini payment due, any payment is not paid within 5 days of its scheduled due date. WWHERSHIP OF CARDS: Any Gard. or other credit instrument or device which we supply to you and ihe information. contained therin 15 our properly and must be refined ta us, or to aay person wions we authorize act as our agent, or tc any person who is authorized ta honor the Card, a 9G tO Our The Card may be repossessed at any time in our'sole discretion without any. demand ar notice, ACGEPTANGE OF TERMS: Use of the card equals agreement to these ierms ard agreement,                is. less and it will be charged venenever     YOUR BILLING RIGHTS Keep this notice for future use is notice contains Imperiant inicrmation about your rights and our responsibilities under the Fair Crocit Biting Act. Notify Us in Case of Errors or Questions About Your BIE       ou think your bill is wrong, or if you uaed More.information about a wansaction on your bil, write:us.cn a Separate sheet at the address listed on your dill, Write to us. as-sodn 6 possible, We must hear from you no fater than 80 days after we Sent you the first bili on which the error or problem appeared. You car: telephore us, but tioing so will not preserve your rights. in your letter, give us the following information: * Your name and account nember + — The dollar arnount of the suspected error, * Descrihe the ertar and explain. if you can, why you believe there is an error. . iEyou need more information, describe the tem you are not sure about.       Mail Letters to: Deseret First Credit Union Ath: Eleotroaix Services PO Box 48046 Salt Lake City, UT 84145 f you have authorized us ta pay your credit card bill automatically frem your savings or share draft account, you can stop the payment on any amount you think is wrong. To step 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 Wrilten Notice We must acknowledge your letter within 20 days, unless we have corrected the error by then. Within. $0 days, we must either corrent fhe error or explain why we believe the bal was currect, After we taceive your letter, we cannot try fo collect any amount you question, er report you as delinquent. We can continue to bift you for the amount you question, includisa 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 stiff obligaied to pay the parts of your bill that are not in question.    f we find that we maue a mistake on you amount if we didn’t make a mistake, you payments on the questioned amount. that it is due,   you will not have te pay any finance charges related io any questioned y have to pay finance charges, and you wil have to make up any missed sither case, we will send you a statement af the amount you owe and the di       ft you tail te pay the amount that we think you owe, we may report you as delinquent. However, if our ex thot satisly you and- you write to us within ‘en days telling us inat you still refase to pay, we must tell anyone we report you-to that you-have a question about vour-di, And, we must tel you the same of anyone we reported you to, We must tell anyone we report you fo. that the mater has deen setfied between us when it finally is.       Special Rule-tor Credit Card Purchases F you Rave a problemi wv © guaiity of property or services that you purchased with a credit card, and you have tried good faith to cofrect the problem with the merchant, you may have the right to dispute that Hem. You must submit a request fo the credis union in writing no later than G6 days from the date the transaction posted to-your account,