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 ALLINDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TOSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT . YOU ALSOAGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/ORFEDERAL LAW. IF YOU ARE IN DEFAULT , WE CAN APPLY YOUR SHARES TO THEAMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any other account that would losespecial tax treatment under state or federal law if given are not subject to this security interest.If you have other loans with us, collateral securing such loans will also secure your obligationsunder this Agreement, unless that other collateral is your principal residence or non-purchasemoney household goods.CREDIT CARD AGREEMENT
Grace Period on Purchases Only: You can avoid Interest Charges on purchases by paying the fullamount of the new balance for purchases each month by the date on which the payment is due.Otherwise, the new balance of your account, and subsequent advances from the date they are postedto the account, will be subject to an Interest Charge. You cannot avoid Interest Charges on cashadvances and balance transfers; even if you pay the entire cash advance balance or balance transferbalance by the payment due date, you will incur the Interest Charges accrued from the date the cashadvance or balance transfer is posted to your account.Fees. In addition to the Interest Charges set forth above, you agree to also pay any and all fees thatyou incur as disclosed to you on your Truth-in-Lending Statement or similar disclosures (as may beamended from time to time), or as disclosed to you during the term of your Card.If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.  You agree to notify us immediately if your Card is ever lost or stolen or if an unauthorized use may have occurred."Unauthorized use" means the use of the Card by someone other than you who does not have actual,implied or apparent authority for such use, and from which you receive no benefit. The telephonenumber to call is (800) 800-9271. You agree to follow up your call with notice in writing to us at: POBox 5129, Evansville, IN 47716. You also agree to assist us in determining the facts, circumstancesand other pertinent information relating to any loss, theft or possible unauthorized use of your Cardand comply with such procedures as we may require in connection with our investigation. You willhave no liability for Mastercard� transactions not authorized by you, provided that you have exercisedreasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of suchloss or theft, you promptly report the loss or theft to us.Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment is received by us on a business day at theaddress and by the time designated on the billing statement, it will be credited to your account on thedate of receipt. If payment is made at any location other than the address designated on the periodicstatement, credit for such payment may be delayed up to five (5) days. Payments will be applied inany order we determine, subject to applicable law.Default; Acceleration; Credit Suspension; Collection Costs.  You will be in default if: (1) you fail to make any payment on time; (2) if you fail to keep any promises you have made under this Agreementor under other Agreements you have with us; (3) if you die; (4) if you file a petition in bankruptcy orhave a bankruptcy petition filed against you, or if you become involved in any insolvency, receivershipor custodial proceeding; (5) if anyone attempts to take any of your funds held by us via legal processor if you have a judgment or tax lien filed against you; (6) if you make any false, inaccurate, ormisleading statements in any credit application or credit update; or (7) if we, in good faith, believe thatyour ability to repay what you owe is or soon will be impaired, or that you are unwilling to make yourpayments.If you are in default, we have the right to demand immediate payment of your full account balancewithout giving you notice. If immediate payment is demanded, you agree to continue paying interestcharges and fees until what you owe has been paid, and any shares that were given as security foryour account may be applied towards what you owe. You agree to pay all reasonable costs ofcollection, including court costs and attorney's fees, and any costs incurred in the recovery of theCard, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will haveno credit available 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 otheraccount(s) if you become delinquent on any of your credit card or deposit obligations to us or youcause a loss to us. We shall not be liable to you in any regard in connection with such suspension ofservices.Additional Benefits/Card Enhancements . We may from time to time offer additional services to your Account at no additional cost to you. You understand that we are not obligated to offer suchservices and may withdraw or change them at any time.Convenience Checks. We may, at our discretion, issue checks to you which may be used for anypurpose other than making a payment for credit to your account. By signing such check, you authorizeus to pay the item for the amount indicated and post such amount as a cash advance to your account.We do not have to pay any item which would cause the outstanding balance in your account toexceed your credit limit.Credit Information. We may from time to time request personal information from you or obtain creditreports from the credit reporting agencies for the purpose of updating your credit status. Your failure toprovide such information when requested by us may result in suspension of credit privileges under thisAgreement, including your ability to obtain any future advances by any means. You authorize us toinvestigate your credit standing when opening or reviewing your account. You authorize us to discloseinformation regarding your account to credit bureau and creditors who inquire about your creditstanding.Foreign Transactions; Currency Conversion.  Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate selected bythe card company from a range of rates available in wholesale currency markets for the applicablecentral processing date, which rate may vary from the rate the card company itself receives, or thegovernment-mandated rate in effect for the applicable central processing date in each instance. Alltransactions processed outside of the United States (which may include internet transactions) will becharged a foreign transaction fee in the amount disclosed on your Truth-in-Lending Statement (asamended from time to time).IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THISAGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS EVANSVILLE TEACHERS FEDERAL CREDIT UNION AND LIBERTY FINANCIAL, A DIVISION OF EVANSVILLE TEACHERS FEDERAL CREDIT UNION, OR ITS SUCCESSORS. BYUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
page 1 of 2Using Your Card. You can purchase or lease goods and services from any merchant who honorsyour Card, and you may obtain cash advances from financial institutions and ATM machines thataccept the Card, up to your maximum credit limit and subject to daily limits. You agree not to presentyour Card or obtain a cash advance for any extension of credit in excess of your available credit limit;however, if you do exceed your credit limit, you agree to make immediate payment sufficient to bringthe balance below the credit limit. Certain purchases and cash advances require authorization prior tocompletion of the transaction. In some cases, you may be asked to provide identification. If our systemis not working, we may not be able to authorize a transaction, even though you have sufficient creditavailable. Also, for security reasons, we may block the use of your Card in certain countries orgeographic areas. We will have no liability to you or others if any of these events occur.Personal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for usewith your Card. This PIN is confidential and should not be disclosed to anyone. You may use your PINand your Card to access your account, and all sums advanced will be added to your account balance.In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions ofyour 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, andbalance transfers made by you or anyone whom you authorize to use the Card; (b) all InterestCharges and all other charges or fees; (c) collection costs and attorney's fees as permitted byapplicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of yourcredit limit that we may extend to you.Illegal Transactions. You agree that your Card and account will not be used to make or facilitate anyillegal transactions as determined by applicable law; and that any such use will constitute an event ofdefault under this Agreement. We may decline any transaction that we believe to be illegal underapplicable law, including but not limited to any transaction involving or relating to any gambling activity.You agree that we will have no liability or responsibility for any such use by you or any authorizeduser(s); or for declining any such transaction. You further agree to indemnify and hold us harmlessfrom any suits, liability, damages or adverse action of any kind that results directly or indirectly fromsuch illegal use. You promise to pay us any and all amounts owing on your Card for any transactionsmade by you, even if the transaction is determined to be illegal.Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment of amountsowed, regardless of who initiated any transaction under the account.Others Using Your Account. If you allow anyone else to use your account, you will be liable for allcredit extended to such persons. You promise to pay for all purchases and advances made by anyoneyou authorize to use your account, whether or not you notify us that he or she will be using it. Ifsomeone else is authorized to use your account and you want to end that person's privilege, you mustnotify us in writing, and if he or she has a Card, you must return that Card with your written notice for itto be effective.Ownership of Card. Your Card remains our property and may be cancelled by us at any time withoutnotice. You agree to surrender your Card and to discontinue use of the account immediately upon ourrequest.Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you open youraccount and as may be changed from time to time in accordance with applicable law.  Average Daily Balance including new transactions (applies to Cash Advances) : Interest Charges will accrue on your average daily balance outstanding during the month. T o get the average daily balance, we take thebeginning balance each day, add any new purchases, cash advances, balance transfers or otheradvances, and subtract any payments, unpaid interest charges, and unpaid late charges. This givesus the daily balance. Then, we add up all the daily balances for the billing cycle and divide that by thenumber of days in the billing cycle. We then multiply that by the periodic rate corresponding to theAnnual Percentage Rate on your account. If you have different rates for purchases, cash advances orbalance transfers, separate average daily balances for each will be calculated and the appropriateperiodic rate is then applied to each. Average Daily Balance excluding new transactions (applies toPurchases and Balance Transfers): Interest Charges will accrue on your average daily balanceoutstanding during the month. T o get the average daily balance, we take the beginning balance eachday (excluding new purchases), and subtract any payments and credits. This gives us the dailybalance. Then, we add up all the daily balances for the billing cycle and divide that by the number ofdays in the billing cycle. We then multiply that by the periodic rate corresponding to the AnnualPercentage Rate on your account. 9011 LASER FPDF FI19855 Rev 7-2018 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
 IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THISAGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS EVANSVILLE TEACHERS FEDERAL CREDIT UNION AND LIBERTY FINANCIAL, A DIVISION OF EVANSVILLE TEACHERS FEDERAL CREDIT UNION,  OR ITS SUCCESSORS. BYUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
Termination; Change-in-Terms. We may, by written notice, terminate this Agreement at any time,subject to applicable law. You may terminate this Agreement by written notice. T ermination by eitherparty shall not affect your obligation to repay any balance on your account resulting from use of theCard as well as Interest Charges and fees incurred. We may change the terms of this Agreement,including the method of calculating the periodic rate, at any time, by written notice, subject toapplicable law. If our credit review indicates that your credit status has deteriorated, we may decreaseyour credit limit. Use of the Card constitutes agreement and acceptance of any change in terms,unless applicable law requires otherwise. Our failure to exercise any of our rights or to take any actionshall not constitute a waiver of those rights, or an amendment or change in any of the terms of thisAgreement.Late or Partial Payments. Any payment that delays the reduction of your balance will increase yourtotal interest costs. Partial payments or prepayments will not delay your next scheduled payment - youwill still need to make the minimum scheduled payment by the next scheduled due date to keep youraccount current. We may accept late payments, partial payments, checks or money orders marked"payment in full" and such action shall not constitute final settlement of your account or a waiver orforgiveness of any amounts owing under this Agreement.Enforcement. We do not lose our rights under this or any related agreement if we delay enforcingthem. If any provision of this or any related agreement is determined to be unenforceable or invalid, allother provisions remain in full force and effect.Returns and Adjustments. Merchants and others who honor the Card may give credit for returns oradjustments, and they will do so by submitting a credit slip which will be posted to your account. Ifyour credits and payments exceed what you owe us, the amount will be applied against futurepurchases and cash advances. If the credit balance amount is $1 or more, it will be refunded uponyour written or verbal request.Merchant Disputes. We are not responsible for the refusal of any merchant or financial institution tohonor your Card. Also, we are not responsible for goods or services that you purchase with the Cardunless: (a) your purchase was made in response to an advertisement we sent or participated insending you; or (b) your purchase cost more than $50 and was made from a merchant in your state orwithin 100 miles of your home; and only if you have made a good faith attempt, but have been unableto obtain satisfaction from the merchant. You must resolve all other disputes directly with themerchant. We do not warrant any merchandise or services purchased by you with the Card.Statements and Notices. Statements and notices will be mailed to you at the most recent postaladdress or e-mail address (if you have elected to receive such documents via electronic means) youhave given us. Notice sent to any one of you will be considered notice to all.Notification of Address Change. You will notify us promptly if you change your address for anyreason. In order to prevent identity theft, your identity may need to be verified before we act upon thenotification.Copy Received. You acknowledge that you have received a copy of this Agreement.Governing Law. This Agreement shall be construed under federal law and state law in the state inwhich we are primarily located, and the venue shall be located in the county and state in which we areprimarily located. Operating regulations of Mastercard� may also apply. This Agreement is thecontract that applies to all transactions even though the sales, cash advance, convenience check,credit or other slips you sign or receive may contain different terms.NOTICE TO UTAH BORROWERS: This written agreement is a final expression of the agreementbetween you and the Credit Union. This written agreement may not be contradicted by evidence ofany oral agreement.
page 2 of 2
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military LendingAct, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement and apply during any period(s) in which you are active military or adependent under those definitions. They do not apply when you are not an active duty member of the military or a dependent:IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: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 consumercredit 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 transactionor account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee orparticipation fee unless they are bona fide and reasonable under the MLA. To receive this notice verbally, please call 1-800-800-9271 during our normal business hours.1.Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to establish a secured share or depositaccount in connection with this credit card account (�Secured Account�). Only funds deposited into the Secured Account after the credit card is established will secure advances. Anycross-collateralization provision contained in your credit or membership documents will not apply to the Secured Account or your other share or deposit accounts for this account.However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.2.Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card account does not apply.3.
This notice tells you about your rights and our responsibilities under the Fair CreditBilling Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at the address(es) listed on yourstatement.In your letter, give us the following information:YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
1.2.3.Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, if you want to stoppayment on the amount you think is wrong.��You must contact us:You must notify us of any potential errors in writing. You may call us, but if you do, we are notrequired to investigate any potential errors and you may have to pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within 30 days of receiving your letter, we must tell you that we received your letter. Wewill also tell you if we have already corrected the error.Within 90 days of receiving your letter, we must either correct the error or explain to youwhy we believe the bill is correct.1.2.If you receive our explanation but still believe your bill is wrong, you must write to us within 10days telling us that you still refuse to pay. If you do so, we cannot report you as delinquentwithout also reporting that you are questioning your bill. We must tell you the name of anyoneto whom we reported you as delinquent, and we must let those organizations know when thematter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50 of the amount youquestion even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant, you may have theright not to pay the remaining amount due on the purchase.To use this right, all of the following must be true:If we made a mistake: You will not have to pay the amount in question or any interest orother fees related to that amount.If we do not believe there was a mistake: You will have to pay the amount in question,along with applicable interest and fees. We will send you a statement of the amount youowe and the date payment is due. We may then report you as delinquent if you do not paythe amount we think you owe.��After we finish our investigation, one of two things will happen:
The purchase must have been made in your home state or within 100 miles of your currentmailing address, and the purchase price must have been more than $50. (Note: Neither ofthese are necessary if your purchase was based on an advertisement we mailed to you, or ifwe own the company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases made with cash advancesfrom an ATM or with a check that accesses your credit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe is wrong and why youbelieve it is a mistake.
����We cannot try to collect the amount in question, or report you as delinquent on thatamount.The charge in question may remain on your statement, and we may continue to chargeyou interest on that amount.While you do not have to pay the amount in question, you are responsible for theremainder of your balance.We can apply any unpaid amount against your credit limit.While we investigate whether or not there has been an error: Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge youinterest on purchases if you pay your entire new purchase balance by the due date eachmonth. We will begin charging interest on cash advances and balance transfers on the datethe cash advance or balance transfer is posted to your account.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.For Credit Card Tips fromthe Consumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreThe following disclosure represents important details concerning your credit card. The information about costs of the cards areaccurate as of _______________ . You can contact us toll free at 800-800-9271 or the address above to inquire if any changesoccurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate(APR) for Purchases
APR for Cash AdvancesAPR for Balance Transfers
Penalty APR and When itApplies18% This APR may be applied to your account if you make a payment that is late 60 days ormore.How Long Will the Penalty APR Apply? 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 sixconsecutive on-time payments.
9009 LASER FPDF FI19853 Rev 10-2018 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.1.99%
______% - ______% depending on yourcredit history. This APR will vary with themarket based on the Prime Rate.Introductory APR for six months as of accountopening. After that, your Standard APR will be______% - ______%
depending on your credit history. This APR willvary with the market based on the Prime Rate.PLATINUM REWARDSPLATINUM PRIME PLUS
0% Introductory APR for six months as ofaccount opening. After that, your StandardAPR will be ______% - ______% dependingon your credit history. This APR will vary withthe market based on the Prime Rate.1.99%
Introductory APR for six months as of accountopening. After that, your Standard APR will be
______% - ______%
depending on your credit history. This APR willvary with the market based on the Prime Rate.______% - ______% depending on yourcredit history. This APR will vary with themarket based on the Prime Rate.0% Introductory APR for six months as ofaccount opening. After that, your StandardAPR will be ______% - ______% dependingon your credit history. This APR will vary withthe market based on the Prime Rate.
FEES:Fees to Open or Maintainyour AccountTransaction Fees
- Annual Fee:- Balance Transfer:- Cash Advance:- Foreign Transaction:None3% of the amount of each cash advance or $5.00, whichever is greater (maximum: $20.00) 1% of each transaction in U.S. dollars if the transaction involves a currency conversion0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversionNonePenalty Fees
Up to $27.00 if your payment is late 1 day or more.NoneUp to $27.00 if your payment is returned for any reason.- Late Payment:- Over-the-Credit Limit:- Returned Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)" for cashadvances and use a method called "average daily balance (excluding new purchases)" for purchases and balance transfers.Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a latepayment.