my DESERET FIRST CREDIT UNION P.O, Box 45046 » Sait Lake City, Utah 84145 » (801) 456-7000 Visa Platinum Rewards Credit Card Disclosure         Interest Rate and Interest Charges           Type of Card Platinum Rewards Annual Percentage Rate 10.9%-18.00%* (APR) for Purchase *APR will be mailed to you upon the approval of your application. APR for Cash Advances 10.9%-18.00%* APR for Balance Transfers 10.9%-18.00%* Penalty APR 18.00% Penalty APR and This 18.00% penalty APR may be applied to your account if: when it applies: 1) Your loan is 60 days delinquent 2) Make a payment that is returned; or interest rate may be 3) Do any of the above on another account that you have with us. re-evaluated after 6 months.   How to avoid paying interest on| The grace period is for the first 25 days of the billing cycle. No FINANCE   purchases 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 To learn more about the factors to consider when applying for or from the Consumer using a credit card, visit the website of the Consumer Financial Protection Bureau Protection Bureau at       hitp:/Avww.consumerfinance.gov/learnmore Fees ple Setup and maintenance 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: e Late Payment $25.00 or minimum payment due, whichever is less. « Returned payment $25.00 « Over the credit limit None         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 charges) any cash advances are added but any new purchases are not added until the next billing cycle. This determines the daily balance. Then. all of the daily balances for the billing cycle are added together and divided by the total number of days in the billing cycle. Bifling 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 who apply for the card or who sign the Visa Card Agreement, card means the Visa Credit Card and any dupli- cates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us, We, us, ours and the credit union means Deseret First Federal Credit Union. reasonabie precautions to keep your PIN Separale from your Card and te aon the unauthorized disclosure of Card and PIN. 4 nderany cir     8. CREDIT Lim <H yOur 2b ation amr the credit uni   for all-charges an the account, ineiading vou % dvarse Aange in your credit ‘starting such as aol making current an paymen 2 Last CARD NOTIFICATION: If you believe the card, the account number. the PIN or any combination of the tt status: your Oi oryour death. Your credi ust immediately notify the credit infor at (801) 486-2000 or 800. 306-8908 or fed to provide current information. Your cre             f : payments are. returned: a change in your status; your i OF YOu y notitied of any such changes to your interest              si CREDIT INFORMATION: You authorize us to investigate your credit standing when opsning, renewing or reviewing your accourt, and vou authorize as to disclose information regarding your account to credit bureaus asd other creditors who inguire-of us about your credit standing, 8. MONTHLY PAYMENT: We wil! mail you a statement every month showing your Previous Balances-of purchases and cash asvances. the current transactions of your aoceunt (which inc jade purchases, cash advances, other debits, sayments and ather credits}, the Total New Balance, the FINANCE CHARGE due to date, the unused credit under your Credit Line, and the Minimum Payment regitired. Every month you niust pay af least the Mini Payment within 25 days ‘of your statement cinsing date. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Payoff Balance in full, You will reduce the FINANCE CHARGE by doing so. The Minimum Payment will be. cit! re 3% of your Payot Balanoe or $25.00, whichever is greater. or {5} your Payclf Balance, if it is less than $25.00 pivs {c) any portion of the Minimum Paymentis) shown an prior states ment{s), which remain. gnpaid. in addition, at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand. We will apply your payments first to any tate fees: then to tho FINANCE CHARGE on cash advances (aocumulated and unpaid ag of the date paynient is applied}; then 10 the FINANCE CHARGE on-purchases Sirst te previcusly billed and-unpaid and then-to current billed and unpaid); then to the accumulated cash advance balance: and than tothe balance of new purchases, whether cr not billed on the momthiy statement, The Credit Union shail credit your payment.the same day if itis received prios the close af business. Payments can be made in person at any of cur offices, by telephone, by internet transter cr mailed te: Geseret First Credit Union P.O, Box 45046 Salt Lake City, UT 84145                     9. FINANCE CHARGES AND OTHER CHARGES: You oan avoid FINANCE. CHARGE on purchases by paying the fuil arnount.of the “New Salance” of Purohiases each month within 25:days of your statement closing date, Othenvise, the New Balanee of Purchases and subsequent purchases fram the date they are costed to your account will be stsbject to the NANCE CHARGE, Cash advances are always subject to a FINANCE CHARGE from the date they are posted to your account. FINANGE CHARGES are calculated usirig the Avecage daily balance method. The principal balances of purchases and cash advances are determined each day during the statement period. beginning with ihe principal pcrtion of Previous Salances, reduced by payments you-make and credits that are applied and increased by purchases and cash advances you make and adisstnents we meke during the statement period. The dally pincipal balances ate totaled and divided by ihe. number of days in the statement period to oreduce separate average sally principal balances for purchases and cash advarices to which the pariodic rata, set forth in the table is then applied, Other Charges:are set forth above. 19. DEFAULT: You. wil be in default if you faite make the minimum Required Payment within 25 days after your Monthly statement closing date. Ifyour account is 10:-days.delinquent, your card will be blocked until your account is. current. Hyour accountis 60 days delinquent, your rate willbe adjusted up 2% and.-your card grivilages will bs. terminated. if aflerthe rate adiustment you remain-current on your loan payments for a O-montit period you may reapply to. have your card privileges reinstated and interest rate reevaluated. You will aiso be'in default if yau are: in defautt of any other loan or obligation to the credit union, cause-a foss to the credit union and/ar if your ability to repay us is materially redticed by a change in your aG inerease in your obi or insolvency proceadings involving you, your death or your failure fo abide by this agreement, if You default, the entire balance of this-account shall become due and payable at the option of the Credit ‘Union. Eack party hereto. fosther agrees that if payment of this account-shall. not-be made as hersia provid ded, he shalt pay the casts of sovlection, incleding all attorney lees and costs incleding aff said faes and costs in bankrupley court ar on appeal. The Credit Union can delay enforcing any of its rights under this agreement without losiag them. USING THE CARD: Jo make a perchase or cash advance, two alternative procedaras ex:st, One is for you to present the card to a participating VISA plan merchs At, 12 us or to arother financial institution, and sign the sales oy cash advance draft which wili be imprinted with your card. The other is to complete the transaction by using your Persona: identification Number (PIN) In conjunction with the card in-an Avtomated Teller Machine other iype of electronic terminal that provides access te ihe VISA system. The monthly statement will identify the merchant. elgctronis terminal or financial institution at which transactions were made, but sales. cash advance, eredit or other slips cannat be retemed with the statement. You will retain the copy of such slips furalshed at the ume of transaction in order ia verify the monthiy-slafernent. The Credit Union may make a reasonable charge for photocopies of slips you may request, You uiderstand and agree that neither your card nor any information contained in or on the card may be used for any purchase ar transaction ceemed td De ilagal under Utah o: other applicable aw. This includes but Is not limited to, internet gambling. Use of the card ges that the purchase ar transaction is Javeful and subject te ine terns of this agreement, 42, RETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so Sy serding a credit, which we will pastto your account. DO NOT subtract a credit that does not appearan your stalement from your New Balance as this my cause you to receive a FINANCE CHARGE. If your credits.and payments exceed your Current Balance, this will result Ina “Credit Balance” on your Visa.                               13. FORSIGN TRANSACTIONS: Transactions made in foreign countries will be billed to you in US doijars. Conversion 10 US dollars is determined by a rate selected hy Visa from a range of rates availabie i: wholesale currency markets for the dnplicable central processing date. which rate may valy f fom tie rale Visa itself receives or the government mardated rate in effect for the applicable central provessing date plus a 4 percent currency conversion fee. The currency conversion fez will appear as a separate line onyoir for each ma foreign country. 14. SECURITY INTEREST: In consideration for and as.a condition of the credit-union issuing a cred# card fe you, you grant the oredit union-a SECURITY INTEREST in all funds and other assets of yours held by the credit union, including any assets, which may be pledged as collateral for another loan with the credit union, You aise aonseni to our right to offset any-account payment-delinguensy with funds in any of your credit union accounts without advance notice to you, This lien does not restrict your right to withdraw: funds prior to the exercise of the-credit bnion's tight and is nota pledge dy you of your accounts, Any exercise of the right by the evedit union is nat an election of remedies.               it union's option, 4 specified ametmt on ceposit in‘one or more of your credit union aocounts may be. pledged as “satutity for repayrnent of all amounts loaned to you under the lerms of this agreement. The amount nt will be shows on the separate Séourity agreement. You cannot withdraw the funds pledged from : the account as long as the pledge. js in effect, if you default ie your payments under the terms of this agreement, the union has the fight to-anply the amount specifically pledged to pay off this account in full or in patt 15. PLAN MERCHANT DISPUTES: A plan merchant is a merchant that accepts a Visa Card as a fare: of payment for gocds or services. We are cot responsidie for the refusal ot any plan merchant, vender or financial insttuticn to honor your card. 18. EEFECT OF AGREEMENT: This Agreement is the contract, which apglies to all transactions on your account even though the sales, cash aclvance, eredi# or other slins you sign or receive may contain different ferme. We may amend this Agreement from time to time by sanding you the advance varitten notice required by law. Your use of the card will indicate your 16 the To the-extent the faw permits, and we indicate in our Aolice, ametaments will apply to your existivig account balance ag well ds.to future transactions. 17, FINAL EXPRESSION; This Agreemant isthe final expression of the terms and conditions of this VISA line of credit between you and the Credit Unios. This written Agreement. may nct he contradicted by evidence of any alleged oral agreement, 18. COPY RECEIVED: You acknowledge receipt af a-copy of this Agreement. 19. OTHER CHARGES: | understand and agree that i will be responsible to pay stop payment, receipt copy tees according 10 the fee-schedule, located on our website af www.dicu.com or you can obtain @ copy from any employee of the Credit Union. 20, LATE FEE: The late tee is $25.00 or the minimum payment due, whichever is Iss and it will be charged whenever any payment is not paid within 5 days of its scheduled due date. 21. OWNERSHIP OF CARDS: Any Card or other credit insirurnent or device which we supply to. you and the isformation contained therein is our property and must 5 returned fo us, or to any person whom we authorize to act as our agant, or fo arly person whe is authorized to honor the Card, immediately according to our instructions. The Card say be repossessed at any time in our sole discretion without any demand of sotice. 22. ACCEPTANCE OF TERMS: Use of the card equals agreement fo these terms and agreement.               YOUR BILLING RIGHTS Keep tis notice for future asa This notice contains important information about your rights and ourresponsiitiities under the Falr Credit Billing Act.   Notify Us in Case of Errors or Questions About Your Bill ft you Inink your BEL is wrong. or if you need more inlormation dbout a transaction on your bi, write us on a separate sheet at the address listed. on your tH, Write to us as Soon as Sossible. We musi hear from you so later than 60 days after we sent you the first bill on which stror-or problem. appeared. You oan telephone us, but doing so wii not preserve your rights,       In-your letter, give us the following information: » Your name and account number    e-error and explain. if you gan, why you believe there is an 2: . ifyou need more information, degeribe the item you are not sure about.   Deseret First Credit Union Attn: Blestronic Servizes PO Bax 45046 Salt Lake City, UT $4448 you have authorized us to pay yout credit card bil auloriatically from your savings of share dealt account, yeu can stop the payment on any amount you think is wrong, To stop.the payment your letter must reach us three business days fore the automatic payment is scheduled to secur.   Your Rights and Our Responsibilities After We Receive your Written Notice We must acknowledge your letter within 20 days, unlass we have correoted the error by then, Within 90 days, we mast ither correct the error or explain why we balieve the bifl was correct,      After we receive your letter. we cannot try to collect any amount you question, cr report you a8 delincuent. We can continue to bili you forthe amount you question, including finance charges, and wa can apply any unpaid amount against your eredit limit, You do rot have 16 pay aay questioned amount while we are investigating, but you are atl onligated 10 pay the parts of your bil that are not in question.   it we fing that we made'a mistake on your Dill, you will not have tc pay any finance charges related to any questioned amount it we didn't make.a muslake. you may have to pay finance charges, and you wil nave to make up any missed payments om the questianad amount, In either case, we will send you a statement of the amount you owe and the date that itis due. { you fail to-pay the amount that we.thisk you owe, we may report you as delinquent. However. if our explanation does nat satisfy you and you write 16.48 within ten days telling us that you still refuse to pay, we must iell-anyone we repo: you to that you have a question about your difi. And, we must tel you the name of anyone we reported you fe. We must tell anyone we report you fe lbat the mater has been-setiled between us when il finally is,         Special Rule for Credit Card Purchases if you have a problem with the quailty of property or services that you purchased with a credit card, and you have-tied in goed lallh te correct the problem with the merchant, you may have the vight ( dispute that Hem. You must submit a request to the credit union in writing no later than 60 days from the date the transaction posted to your account,     Visa Card with Rewards Program Aules: To redeem points after feading oragram rules please refer to wwaw.dfou.corm:. 4. You eam 1 point for every 1-dollar worth of net on your during the program period “Net purchases" means the purchase of goods or services made by you and your authorized user(s} wilh your Deserat First Credit Union partivinatinia card, less.credits-and plus or minus any adjustments. 2. Cash ad inclaging balance , certain QuasiCash transactions, account funding transactions. péfson-to-perscn card payments, finance charges, jae payment fees, over-fimit fees, annual fees, insurance charges, teturned check fees. bounced payment cheek Tees, and related services charges are ROT eligible iraneactions for point accrual.         3. The maximum number of points that can be accrued each month is 10,000. Ail points have a 38-month exoiration period Award requests must be mace prier ta point expiration dates. 4. The awards program is being presented with:nio express of implied warranty or condition. in particular, there are No sxpress.or implied warranties including merchant ability and fitness for a particular purpose sot specified her respecting this agreement.   Fes   §. Reasonable steps will be taken to prevent the introduetion of viruses or other destructive materials to Web sites asscoiated with this program. However, we don't warrant, of take avy rer that sites will be free of destructive materials cr that the sites will. be uninterrupted or renortree, We assume ne responsibility for any loss ar damage caused by your access or Inability to. acness sites. §. Program award statements will be suailable on a monthly basis al wiww.dicu.com. Stalements will normally refiect the adjusted number of points eamed, based on previous balance, net purchases, and deductions due to redemption activity. Awerd points canbe redeemed for cash-cr credit but may net be used in cori p offered cuiside of this proqtam. We may aise Jimit transferability between accounts and incorporation wit institution pragrams or offerings.       os       3. Your aveount must be i good standing fie, not delinquent, closet, or olterwise not useable for charges) to redeem awards points. We reserve the ri ht 1 terminate or suspend your standing in the. program or deduct points from your accumndated total if account is not in good standing.     8, This program may be shanged or terminated at any time without notice, restriction or penalty. A specified time ims far redemption of existing points will be given at the time that notice of program termination is given. 10. You are responsible for any federal, slale-cr fecal income, sales, use or-other laxes or qratuities. Ti, Errors in publication of awards materiais may occur. We reserve the right to correct errors at any 2, You agree to hold the awards provider and Deserat First Credit Union harmless if the provider of merchandise or services files for ankruptey or otherwise goes out of business after you have used your points, but before you use ihe ilem or service, You accent all-terms and conditions in these program rules and release and held the awards program provider and Deseret.Firot Credit Union harmless from any claim, fability, or damage. relating to: this program or use of-any program item you receive. 15, Using your card foflowing receipt of these rules constitutes agreement to these rutés on your behalf, 16. This. program is void where prohibited by law.           Travel Award Rules 1. Air travel and travel-related services must be requested through. our service center hy calling (877) 909-1456. Travel reservations and tiekeing mast he made al least 21 days prior to departure and a Satarday night stay is required, Actual travel must take place within 330 days after the. reservation ig nade. Minimum or maximum slays may apply to sartain fare A of two. are din each direction of travel yithin the 48 contiguous states, All airline tickets issuad in exchange for award points are non-refundable and non- changeable afier ticket issuance. Losl, stolen, or otherwise destroyed aitiine tickets or other travel certiticates will not be honored ef replaced. Reservations shall also be subject-tc allline seat availability on travel dates spevified by the candholder. Additional travel restrictions may apply at te discretion of Deseret First Credit Union. 2. Round trip tickets require travel on major U.S.-based cacriers. Travel mus? be round trip between the same two: destination airports. international destinations are subject fo change uper sixty (60) days advance notice. international destinations are limited 30 select cities. 4. Altbough avery effort will be made to accommodate your speci te travel service center's final rigtljo choose th           airfine request, the awards program is based cn 2 airline and rouling on which to reserve and ticked,         Hotel and car rental certificates are subject to availability within pacticipating locations and are subject ic change. Seasons! limitations may apply. Rental car cerfificates don’t include tel, taxes, or optional coverage. Renter must meet standard.age, driver, ahd credit requirements. 6 — Titkets will be issued as e-lickets, either thrauoh einail or first class U.S. Mail. Paper are subject te additional delivery charges. 7. You ate responsible for Federally Imposed airline security fees-and must pay thant by cradit card at the time of the reservation booking.     ickels.or expedited ut   Git Certificate Award Rules 4. Points can be used to order a Gilt Certificate Award. A Gift Gerifizale Award can be E {48 slates in USA only} and/or a ift cerlificate through 1 800 Gift Cerlificate (800/443-8237) wavw.800gitteertilicate.com. Your Gift Certificate Award will be delivered either by E-mail within 72 hours, of first olase-U.S. mail (50 states in USA only) within two ta three weeks. Gift Certificate Awards requested outside the USA. will be fulfilled through e-mail Gift Certificate Awards expire ene 4 year from § issue date. Expl ed, fost ¢ or stolen Git Certificate Aviards Canter. be replaced. Gift Certificate Award Reissued Gift Certificate Awards will be subject to a service fee, 3. Limited denominations ara available for international Gift Certificate Awards. International Gift Certificate Awards are issued in the appileable currency, .  Plagse refer te 1 600 Gift Certificate’s rules governing Gilt Certificate Award redemption and merchandise shipping restrictions. Questions regarding Gift Certilicate Award redemption options, gifts and gilt certificates should he directed to 1 300 Gift Certificate (800/ 443-8237).