other slips you sign or recefve may contain different terme. NOTICE TO UTAH BORROWERS: This writen agreements a final expression ofthe agreement between you and the Credit Union, This written agreement may not be contradicted by evidence of any oral agreement.   IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: The following applies if at the time this loan is made you aré an active member of the military or a dependent (as those terme ate defined in the Military Lending Act (MLA), 10.U.8.¢. 987 and its implementing regulations (MLA’), and (a) your loan is unsecured of secured by personal property or a vehicle that you did not purchase with the proceeds of the loan; or (b) itis otherwize determined by law that the MLA apples to your loan. If this loan is a revolving ling of credit or credit card, the MLA ceases to apply at any time during which you aré not & member of the miltary or a dependent (as defined in the MLA), 1. 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 36 percent. This rate must include, as applicable to the credit trancaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products cold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit trancactions or accounts); and any parficipation fee charged (other than cerlain participation fees for a credit card account}. To receive this notice verbally, please call 1-800-991-2221 curing our normal business hours. 2. 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 connection with this loan (“Secured Account’). Only funds deposited into the Secured Account after the loan is made will secure this boan. Any crose-collateralization provision contained in your loan or account documents wil not apply to the Secured Account or your other share or deposit accounts for any loan subject to the Miltary Lending Act However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives we the right to apply the sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan. 4. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (6) Any requirement(s) to waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed a8 unreasonable notice from you in order to exercise your legal rights, or (d) Prepayment penalties. 4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to these disclosures or the MLA (as they may be changed or amended from Gime to time) are inapplicable with regard to this boan. However, all other terms and conditions ofthe consumer credit contract shall remain in full force and effect,         This notice tells you about your rights and our responsibilities under the Fair Credit Bling Act. What To Do If You Find A Mistake On Your Statement If 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: 4. Your name and account number. 2. The dollar amount of the suspected error. 3. If you think there is an error on your bill, describe what you believe is b) wrong and why you believe itis a mistake, You must contact us: * Within 60 days after the emor appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if you want fo stop payment on the amount you think is wrong, You must notify us of any potential errors in writing. You may call us, but if you do, we ate not required fo investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 4. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already comected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is comect. While we investigate whether or not there has been an error: * We cannot try to collect the amount in question, or report you as Gelinquent on that amount, * The charge in question may remain on your statement, and we may continue to charge you interest on frat amount. * While you do not have to pay the amountin question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: * Ife made a mistake: You will not have fo pay the amount in question or any interest or other fees related to that amount, * Hfwe do not believe there was a mestake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. Ifyou receive our explanation but etll believe your billis wrong, you must write to us within 10 days telling us that you stil refuse to pay. Ifyou do eo, we cannot report you as delinquent without algo reporting that you are questioning your bill We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter hae been settled between us. lf we do not folow al ofthe rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights if You Are Dissatisfied With Your Gredit Gard Purchases Ifyou are dissatisfied with the goods or services that you have purchased with your credit card, and you have fried in good faith to comect the problem with the Merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 4. The purchase must have been made in your home state or within 100 mies of your current mailing address, and the purchase price must have been more than $50. (Note Neither of these are necessary if your purchase was based on an adverisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit-card account do not qualify. 4. You must not yet have fully paid for the purchase. [Fall of the criteria above are met and you are sill dissatisfied with the purchase, contact us in writing at the address(es) sted on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent, FILER Rey 4-2020 0008 Secwian Fanci Group, ic. Al gts resened. M-131684 (¢ CONSUMETS credit union P.O, Box 525* Oshtemo, MI 49077-0525 800.991.2221" www.consumerscu.org CardMember Agreement In this Agreement, “You" and “your” mean any person who accepts this Agreement or uses the Card. The “Cand” means any credit card issued to you or hose designated by you under the terms of this Agreement. We", “us, “our” and the ‘Credit Union" means Consumers Crecit Union or its successors, By using your card, you agree to all of the terms and conditions set forth herein. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE ANDIOR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE GAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest. lf you have other loans with us, collateral securing such loans wil also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods,         Using Your Card. You can purchase or lease goods and services from any merchant who honors your Gard, and you may obtain cash advances from financial institutions and ATM machines that accept the Card, up to your Maximum approved cash advance limit. You agree not to present your Card for any extension of credit in excess of your available credit limit or obtain a cash advance in excess of your approved cash advance limit: however, if you do exceed your credit limit or cash advance limit, you understand we may require immediate payment suficient to bring the balance below the credit limit or cash advance limit We will set your credit mits and cash advance limits based on creditworthiness and will increase or decrease your credit and cash advance limits when and as we review your creditworthiness. We reserve the right to decline transactions that we believe in our discretion will cause a loss to the credit union or for any other reason. Personal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use with your Gard. This PIN is confidential and should not be disclosed to anyone. You may use your PIN and your Card to access your account, and all sums advanced will be added fo your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your Electronic Funds Transfer Agreement 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 mage by you of anyone whom you authorize to use the Card: (b) all interest Charges and all other charges or fees; (c) collection costs and attomey’s fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit imitthat we may extend to you. Wegal Transactions: You agree that your Card and account will not be used to make or faciitate any illegal transactions as determined by applicable law, and that any such se will constitute an event of default under this Agreement. We May decline any transaction that we believe fo be legal under applicable law, including but not limited fo any transaction involving or relating to any gambling activity. You agree that we will have no lability or responsibilty for any such use by you or any authorized user(s); or for decining any such transaction. You further agree to indemnify and hold us harmless from any suits, liability, damages 1 
 
 
 
or adveree action of any kind that results directly or indrecty from such ilegal use. You promise to pay us any and all amounts owing on your Card for any tranactions made by you, even ifthe transaction is determined to be legal. Joint Accounts, Each of you will be responsible, jointly and severally, for the repayment of amounts owed, regardless of who inated any transacion under the account Others Using Your Account f you alow anyone else to use your account, you wl be liable forall ret extended fo such percons. You promise to pay for Al purchases and advances made by anyone you authorze louse your account Whether or not you notify us thal he or she wil be using it. ff someone else is ‘whorzed fo use you account and you want to end that person's privlege, you rel nly usin wing, and ihe or she has a Card, you must return that Card Wi your writen notice for it tobe effective, Ownership of Card, Your Card remains our property and may be cancelled by us al any ime without notice, You agree to sunender your Card and to thiscontinue use of the account immediately upon our request Interest Charges, You agree to pay interest atthe ratels) disclosed fo you at the time you open your account ard as may be changed from time to tine in accordance with applicable law. Average Dally Balance including new transactions: Interest Charges will Acre on your average daly balance outstanding during the month. To get he average daly balance, we take the beginning balance each day, add any new purchases, cath advances, balance transfers or other advances, and eubtract ‘fy payments, unpaid interest charges, and unpaid late charyes, This gives us the aly balance, Then, ne ad pal he diy balances fore iling cyl and civide that by the number of cays in te bling cycle. We then muligly tat by the period rate comesponding to the Annual Peteentage Rate on your account, if you have diferent rates for purchases, cash advances or balance transfers, sepa average day balances foreach lb calculated an the appropri periodic rales then applied to eack, Grace Period on Purchases nly: You can avoid Interest Charges on purchases by paying he ful amour ofthe new ban for purchases each month by the lle on which the payment is due. Otherwise, the new balance of your account, ‘and subsequent advances om fhe date they are posted to the account, will be subject oan lnlerest Charge, You earned avoid nlerest Charges on cash advances ‘and balance ranslers’ even @ you pay the entre cach advance balance or balance trance balance by the payment due date, you wlncur the Inlrest Changes accrued ftom the date the cath advance or balance raft ie posted to your account Fees, In action tothe Interest Changes se forth above, you agree to abo pay ‘any and all fees that you incur ag disclosed fo you on your Truthin-Lending Statement or similar diselogures (a¢ may be amended for time to time), ot a ticle to you during the tem of you Card IfYour Gard is Lost or Stolen or if an Unauthorized Use Occurs, You agree fo motiy us immediately if your Card is ever lost o stolen or if an unauthorized use may have oceured. ‘Unauthorized use" means the use of the Card by someone other than you who does nol have aclval, implied or apearent authority for such use, and from which you receive no benefit The telephone number to calls (800) 891-2221, You agree to folow up your cal with notice in writing to us at Card Servioss, P.O, Box $25, Oshtemo, Ml 49077-0525. You algo agree to gsi ug in determining the fac, creumstances and other pertinent information relating to ary oes heft ce possible unauthorized use of your Card and comely Wit such procedures a5 we may require in conection with our bivestigation. You wil have no lilly for MasterCard transactions not authorized by you, provided that you have exercised reasonable care in safeguarding the Card from risk of lose or theft, and upon becoming aware of such loss or thet, you promelly report the oes or theft to us. Minimum Payment Due; Crediting of Payments. Payments are due in the amount ard on the date disclosed on your biling statement f your payment is received by us on a business day af the address and by the me designated on the iling statement, twill be credited to your account on the dale of receipt. If payment is made at any location other than the address designated on the peviedicstalement, credit for such payment may be delayed up to five (5) days. Payments il be applied in ay order we determing, sutject io appcate an Default; Acceleration; Credit Suspension; Collection Gosts. You wil be in 2 cefaut it (1) you fal to make any payment on time: (2) i you fal fo keep any promises you have mage under this Agreement ot under other Agreements you ae wih us; (2) you ci; (A) you fe a pettion in barkrupicy or have a bankruptcy petiton filed against you, or if you become involved in any insolvency, receivership or custodial proceeding, (5) if anyone altempls to take aly of your funds held by ws via legal process or if you have 2 judgment or tax len filed against you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit update: or (7) if we, in good faith, believe that your abilty to repay what you ow is or soon will be impaired, or thal you ae unwilling io make your payments. |Fyou are in default, we have the night to demand immediate payment of your full account balance without giving you notice. Ifimmediate payment is demanded, you agree fo continue paying interest charges and fees until what you owe has been paid, and any shares that were given as security for your account may be applied towards what you owe. You agree fo pay all reasonable costs of collection, including court costs and attorney's fees, and any costs incurred in thé recovery of the Card, subject to applicable law. Even if your unpaid balance is lees than your credit limit, you will have no credit avalable during any time that any aspect of your account is in default Suspension of electronic services and access to share or deposit accounts. Subject to applicable law, we may suspend some or all electronic services and access to your checking or other account{s) if you become delinquent on any of your credit card or deposit obligations fo us or you cause aloes fo us. We shall not be lable to you in any regard in connection with such suspension of services. Penalty APR. A penalty APR may be applied fo your account if you make: a payment that is late 60 days or more. If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances Until you make six consecutive or-ime payments. Additional BenefisiGard Enhancements. We may from fime to time o'fet additional services to your Account at no additional cost fo you. You understand that we are riot obligated fo ofer such sewices and may withdraw ov change them at any time, Important Information for Rewards Cardholders. Points wil expire thres Years ftom the end of the calendar year in which they are eamed, and wil expire ona frstin, first-out basis anrwaly. Thus, points eamed in calendar year one wil expire on the last business day of calendar year four. Your account must be ‘Open and in good standing to redeem rewards. Some restictions and limitations may apply. Rewards points may not be available to all cardholders. The Credit Union has the ight to change the Rewards program at any time, Convenience Checks. We may, at our discretion, issue checks to you which may be used for any purpose other than making a payment for credit to your account. By sigring such check, you authorize us to pay the tem for the amount indicated and post such amount as a cash advance to your account. We do not have fo pay any tam which would cause the outstancing balance in your account to exceed your credit mit Credit Information. We may from time to ime request personal information from you oF obtain credit reports from the credit reporting agencies for the purpose of updating your crecit status, Your failure to provide such information when requested by us may result in suspension of credit privileges under fis Agreement, including your abilty fo obtain any future advances by any means. ‘You authorize us to investigate your credit slancing when opening or reviewing your account. You authorize us to disclose information regarding your account tocredit bureau and creditors who inquire about your credit standing. Negative Information Notice, We may repo information about your account to ‘red bureaus. Late payments, missed payments, or oer defaults on your account may be reflected in your credit report Foreign Transactions; Cumency Conversion. Purchases and cash advances made in foreign currencies wil be biled to youin U.S. dollars, The conversion rata in dol wil be arate selected by the card company fom a range of rales avaliable in wholesale curericy martels for the apeicable cenizal processing dale, which (ale may vary fom the rate the card company itself receives, or fhe goverment mandated rale in efector fhe applicable ceniral processing dale in each instance. Alliransacions processed outside ofthe United States (which may clude intemet 3 ‘Tansactions) wil be changed a foreign transaction #88 n thé amount disclosed on your Truh-r-Lending Statement (as amended from time fo ime), Cross-border Transaction Pricing. Cross-border transacion pricng relert fo any transaction on a MasterCard branded creait card in which the cardholder county code ders Rom the coy cod ofthe merchant U.S. gion sere wil pay MasterCard an ‘lgsuer Crossborder Assessment on all cross-border Transactions on WS issued MasterCard branded credit cards, Thés assessment wil be calculated by muliplying the Issuer Setlement Amount for each Cross border Transaction by fe amount disclosed on your Truh-n-Lending Statement Inadkiton tothe lesuer Cross-border Ascesement, here is a ‘Currency Conversion Assescment inthe amour cloves on your Tuhet-Lendng Statement Termination; Change-in-Terms, Vie may, by writen notice, terminate this Agreement at any time, subject to applicable law. You may terminate thig Agreement by writen notice, Termination by ether party chall not affect your obligation to repay any balance on your account resulting fom use ofthe Card as wel at Iterest Charges and fee incued. We may change the tens af tis Agreement, incusing the method of calculating the periodic a, at any ime, by wien nie, sujet to applicable aw. Use ofthe Card conus agreement and acceptance of ary change in em, unless aplcable law reauires otherwise, Cur faiure fo enercige any of our rights orto tae any action shal not coneifute a waiver of those rights, or an amendment or changé in any of fhe terms of fis Agreement, Late or Partial Payments, Any payment that delays the reduction of your balance will increase your total interest costs. Partial payments or prepayments wil not delay your nest scheduled payment - you wil fll eed fo make the minimum scheduled payment by the next scheduled due date to keep your account current. We may accept ale payments, partal payments, checks or money orders marked ‘paymentin ful’ and such action shall not constitute final setlement of your aocowrt ot a waiver or forgiveness of any amounts owing under tis resent. Enforcement We do notloce our rights undr tis ct any eat apreaent ifwe delay enforcing them. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain ful force and effect Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adusiments, and they will do so by submiting a credit slip which wil be posted fo your account. If your credits and payments exceed hat you ome us, he amount willbe apo gaint tue purchase and cath advances, he credit balance amount is $1 or more, il be refunded upon your writen or verbal request. Plan Merchant Disputes. Ve ate not egponcibl othe rua of any pln merchant or fnancalintuion fo honor your Card. Ago, we aré not repancible for goods or services that you purchase wit the Card unless: (8) your purchase wasmadein response fo an adverisement we sent or paricipated in sending you or (b) your purchase cost more than $50 and was mad om a plan merchant mt your stat or wih 100/miles of youriome: and only ifyou have made a good faith attempt, but have been unable to obtain saisfaction fom the plan merchant You must esolve al oer disputes direcly wih fe plan merchant, We ao not warrant any merchandise or services purchased by you wih fie Card. Statements and Notices. Statements and notices wil be maled to you atthe most recent postal address or e-mall address (if yow have elected to receive such documents via electronic means) you have given us. Notice sent to any one of you will be considered notice tall Notification of Address Change. You wil notify us promptly you change your adress for any reason. In onder to prevent ident ef, your diy may nd ip be verted belore we act upon the notification. Copy Received. You acknowledge that you have received a copy of this Agreement Governing Law. This Agreement shal be construed under federal law and sale lawn the site n which we are prmanty located, and the venue shal be located inthe county and state in which we are prmariy located, lperating regulations of MasterCard may also apply. This Agreement is he contract that applies to all Traneacions even though the sales, cash advance, convenience check, credit or 4