University First CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE
     Federal Credit Union
       P. O. Box 58025 THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE
     Salt Lake City, UT 84158 STATEMENTS, VISA CRIMSON, VISA CRIMSON (INTRODUCTORY RATE), VISA CRIMSON REWARDS, VISA CRIMSON REWARDS
                    (INTRODUCTORY RATE), VISA STUDENT REWARDS, VISA STUDENT REWARDS (INTRODUCTORY RATE), VISA SECURED AND VISA
       (801) 481-8800
                    SECURED (INTRODUCTORY RATE) AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA
      FAX (801) 481-8820 CRIMSON, VISA CRIMSON (INTRODUCTORY RATE), VISA CRIMSON REWARDS, VISA CRIMSON REWARDS (INTRODUCTORY RATE),
                    VISA STUDENT REWARDS, VISA STUDENT REWARDS (INTRODUCTORY RATE), VISA SECURED AND VISA SECURED
                    (INTRODUCTORY RATE) CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS
                    AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
    Interest Rate and Interest Charges
    Annual Percentage Rate VISA Crimson: _______% - _______%   10.24 16.50
    (APR) For Purchases This APR will vary with the market based on the Prime Rate.
                      VISA Crimson (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                        After that, Your APR will be _______% and will vary with the market based on the  N/A
                        Prime Rate.
                      VISA Crimson Rewards: _______% - _______% 10.74 17.00
                        This APR will vary with the market based on the Prime Rate.
                      VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                        After that, Your APR will be _______% and will vary with the market based on the  N/A
                        Prime Rate.
                      VISA Student Rewards: _______% - _______%  17.24 17.24
                        This APR will vary with the market based on the Prime Rate.
                                                                          N/A
                      VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A
                        After that, Your APR will be _______% and will vary with the market based on the  N/A
                        Prime Rate.
                      VISA Secured: _______% - _______% 12.99 12.99
                                                N/A                 N/A
                      VISA Secured (Introductory Rate): _______% introductory APR for ____ months.
                        After that, Your APR will be _______%  N/A
    Annual Percentage Rate VISA Crimson: _______% - _______% 10.24 16.50
    (APR) For Balance   This APR will vary with the market based on the Prime Rate.
    Transfers
                      VISA Crimson (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                        After that, Your APR will be _______%  and will vary with the market based on the Prime Rate. N/A
                      VISA Crimson Rewards: _______% - _______% 10.74 17.00
                        This APR will vary with the market based on the Prime Rate.
                      VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                            After that, Your APR will be _______% and will vary with the market based on the Prime Rate. N/A
                      VISA Student Rewards: _______% - _______% 17.24 17.24
                        This APR will vary with the market based on the Prime Rate.
                      VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                            After that, Your APR will be _______% and will vary with the market based on the Prime Rate. N/A
                      VISA Secured: _______% - _______% 12.99 12.99
                      VISA Secured (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                        After that, Your APR will be _______% N/A
                       SEE PAGE 2 for more important information about Your Account
                                         Page 1 of 6
    Interest Rate and Interest Charges (continued)
    Annual Percentage Rate VISA Crimson: _______% -  _______% 10.24 16.50
    (APR) For Cash Advances This APR will vary with the market based on the Prime Rate.
                          VISA Crimson (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                            After that, Your APR will be _______% and will vary with the market based on the N/A
                            Prime Rate.
                          VISA Crimson Rewards: _______% - _______% 10.74 17.00
                            This APR will vary with the market based on the Prime Rate.
                          VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                            After that, Your APR will be _______% and will vary with the market based on the N/A
                            Prime Rate.
                          VISA Student Rewards: _______% - _______% 17.24 17.24
                            This APR will vary with the market based on the Prime Rate.
                          VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months. N/A N/A
                            After that, Your APR will be _______% and will vary with the market based on the N/A
                            Prime Rate.
                          VISA Secured: _______% -  _______% 12.99 12.99
                                                   N/A
                          VISA Secured (Introductory Rate): _______% introductory APR for ____ months. N/A
                            After that, Your APR will be _______% N/A
                            Overdraft Line of Credit: _______% - _______% 13.99 17.99
    Paying Interest       For VISA, We will not charge You interest on purchases if You pay Your entire balance
                          owed each month within 25 days of Your statement closing date.
                          For all Feature Categories, We will begin charging interest on cash advances and balance
                          transfers on the transaction date.
    For Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card,
    the Consumer Financial visit the website of the Consumer Financial Protection Bureau at
    Protection Bureau     http://www.consumerfinance.gov/learnmore.
    Fees
    Transaction Fees
     . Cash Advance       For VISA, 1.50% of each cash advance.
     . Foreign Transaction For VISA, 0.80% of each foreign currency transaction in U.S. Dollars.
                          For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
    Penalty Fees
     .
       Late Payment       Up to $25.00
     .
       Over-The-Credit Limit Except for VISA, $10.00
     .
       Returned Payment   For VISA, up to $10.00
                          Except for VISA, $10.00
   How We Will Calculate Your Balance: Except for VISA, We use a method called "daily balance." For VISA, We use a method
   called "average daily balance (including new purchases)." See Your Account Agreement for details.
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your
   Account Agreement.
                       SEE PAGE 1 for more important information about Your Account
                                         Page 2 of 6
    In this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean UNIVERSITY FIRST FEDERAL CREDIT UNION. The words "You" and "Your"
    mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA
    Crimson, VISA Crimson (Introductory Rate), VISA Crimson Rewards, VISA Crimson Rewards (Introductory Rate), VISA Student Rewards, VISA Student Rewards
    (Introductory Rate), VISA Secured or VISA Secured (Introductory Rate) Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks"
    mean the special Account access devices that We may provide for Your use from time to time.
    You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found
    herein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited
    to) telephonic requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct
    transfers and/or wire transfers to specific payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like.
    Regardless of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to
    Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.
    FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, VISA Crimson, VISA Crimson (Introductory Rate),
    VISA Crimson Rewards, VISA Crimson Rewards (Introductory Rate), VISA Student Rewards, VISA Student Rewards (Introductory Rate), VISA Secured or VISA
    Secured (Introductory Rate).
                                                        Daily           ANNUAL
                                  Variable Rate
                                                       Periodic       PERCENTAGE
        Feature Category       Index    Margin          Rate            RATE
    VISA Crimson            ___________% Prime 4.74-11.00 ___________% ___________% ___________%
    VISA Crimson (Introductory Rate) ___________% N/A ___________% ___________% ___________%
    VISA Crimson Rewards    ___________% Prime 5.24-11.50 ___________% ___________% ___________%
    VISA Crimson Rewards (Introductory Rate) ___________% N/A ___________% ___________% ___________%
    VISA Student Rewards    ___________% Prime ___________% 11.74 ___________% ___________%
    VISA Student Rewards (Introductory Rate) ___________% N/A ___________% ___________% ___________%
    VISA Secured                                      ___________%    ___________%
    VISA Secured (Introductory Rate)                  ___________%    ___________%
    Overdraft Line of Credit                          ___________%    ___________%
    ADVANCES. Whenever You request a transaction, We may require You to ACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Secured
    prove Your identity. Advances made on Your Account will be processed or VISA Secured (Introductory Rate) Feature Category, You agree to give Us a
    according to the instructions You give Us (such as by wire transfer, direct specific pledge of shares which will be equal to 110% of Your Credit Limit. In
    transfer to Your Credit Union account or by other such means) and You the event that You default on Your VISA Secured or VISA Secured
    authorize Us to do this, or We may draw a draft or check made payable to (Introductory Rate) Feature Category, We may apply these shares toward the
    You and mail it to You. When the amount advanced appears on a subsequent repayment of any amount owed on such Feature Category. You may cancel
    statement, that will be conclusive evidence of Your advance request unless Your VISA Secured or VISA Secured (Introductory Rate) Feature Category at
    You notify Us that You disagree with any such item appearing on Your any time by paying any amounts owed on that Feature Category. To be
    periodic statement according to the provision of this Agreement titled "Your certain that Your entire balance and all advances are paid, any shares pledged
    Billing Rights: Keep this Document for Future Use." You understand that may not be available to You for 30 days after You have cancelled and any
    whether or not any specific secured advance request is approved may be outstanding balance is paid in full.
    determined by how much equity You have or will have in the shares and/or
    certificates offered as security.        LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
                                             each Feature Category for which You are approved. Unless You are in default,
    SECURITY. As permitted by law, to secure all transactions under this any Credit Limits established for You will generally be self-replenishing as You
    Agreement in either joint or individual Accounts, We have the right to impress make payments.
    and enforce a statutory lien against Your shares on deposit with Us (other
    than those deposits established under a governmental approved tax deferral You will keep Your unpaid balance within Your Credit Limit set by Us, and You
    plan such as an IRA or Keogh account), and any dividends due or to will pay any amount over Your Credit Limit on Our demand whether or not We
    become due to You from Us to the extent that You owe on any unpaid authorize the advances which caused You to exceed Your Credit Limit. Even if
    balance on Your Account and We may enforce Our right to do so without Your unpaid balance is less than Your Credit Limit, You will have no credit
    further notice to You. Additionally, You agree that We may set-off any available during any time that any aspect of Your Account is in default.
    mutual indebtedness.
                                             JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally,
    You acknowledge that You own any shares and/or certificates pledged as for the repayment of any amounts owed. If any Account access device, such
    security and that there are no other liens against them other than Ours. You as a Personal Identification Number (PIN) is requested and approved, You
    agree to perform all acts which are necessary to make Our security interest in understand that any such Account access device(s) will be mailed only to the
    the shares and/or certificates being pledged enforceable. primary Borrower at the address that We have on file for You. We may refuse
                                             to follow any instructions which run counter to this provision.
    For advances under any certificate secured Feature Category, all certificates
    which are pledged as Collateral must be renewed until Your outstanding MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You
    Account balance is paid in full and Your right to future advances under such need only pay the Minimum Monthly Payments, You understand that You
    Feature Category has been terminated. Failure to renew any certificates have the right to repay at any time without penalty. You also understand that
    securing any advance will cause Your entire outstanding Account balance to You will only be charged periodic Finance Charges to the date You repay Your
    become immediately due and payable.      entire balance. You may make larger payments without penalty. Any partial
                                             payment or prepayment will not delay Your next scheduled payment. All
    OTHER SECURITY. Collateral (other than household goods or any dwelling) payments to Us must be in lawful money of the United States. We may apply
    given as security under this Agreement or for any other loan You may have each payment to whichever Feature Category We wish. For all Feature
    with Us will secure all amounts You owe Us now and in the future if that Categories (except VISA), payments will be applied first to any Late Charges
    status is reflected in the "Truth-in-Lending Disclosure" in any particular owing, then to the Finance Charge due, then to the outstanding principal
    Agreement evidencing such debt.          balance. As permitted by law, We may apply VISA payments in an order of
                                             Our choosing.
    CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card, debit
    card or ATM card, You grant and consent to a lien on Your shares with Us Any unpaid portion of the Finance Charge will be paid by subsequent
    (except for IRA and Keogh accounts) and any dividends due or to become due payments and will not be added to Your principal balance. You understand
    to You from Us to the extent You owe on any unpaid Credit Card balance that any delay in the repayment of Your unpaid balance will increase Your
    and/or Overdraft Line of Credit balance created through the use of Your debit periodic Finance Charges and any acceleration in the repayment of Your
    card or ATM card.                        unpaid balance will decrease Your periodic Finance Charges.
    .                                    Page 3 of 6                              )
    Minimum payments for each Feature Category will be an amount equal to For VISA Secured (Introductory Rate), during the _____-month period
    2.50% of Your then unpaid balance owed on such Feature Category, subject immediately following the date that Your Account is established, purchase,
    to the lesser of $10.00 or Your balance. balance transfer, and cash advance transactions will accrue finance charges at
                                            an introductory Daily Periodic Rate of _____________% (corresponding to an
    You may, by separate agreement, authorize Us to charge Your payment ANNUAL PERCENTAGE RATE of _____________%). Upon the expiration of the
    directly to Your share or share draft account. introductory rate period, the entire balance of purchases, balance transfers,
                                            and cash advances existing at that time and in the future will accrue
    LATE CHARGE (EXCEPT VISA). If Your payment is more than 10 days late, finance charges at the non-introductory variable rate described elsewhere in
    You will be charged the greater of $10.00 or 5.00% of the payment due, this Agreement.
    subject to a $25.00 maximum.
                                            VISA VARIABLE RATE. If Your VISA Feature Category is subject to a variable
    OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the rate, then all advances obtained under such Feature Category are subject to a
    following fees associated with the use of Your Account: (a) $10.00 for any variable rate. Increases or decreases in the Interest Rate will cause like
    check (or other negotiable instrument used for payment) which is returned increases or decreases in the Finance Charge on the 1st calendar day of each
    unpaid; and (b) $10.00 for each billing cycle during which You exceed Your month of each year ("Change Date"). The index is the highest Prime Rate as
    Credit Limit.                           published in the Money Rates section of The Wall Street Journal in effect on
                                            the day that immediately precedes each Change Date ("Index"). The Index
    FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on plus the Margin equals the Interest Rate. Changes in the Interest Rate will
    any unpaid principal balance for each Feature Category of Your Account for cause like changes in the Finance Charge and will affect the number of Your
    the period such balance is outstanding. Balances change each time advances regularly scheduled payments. Your Interest Rate will never be greater than
    are made, payments are made or credits given under any Feature Category. 18.00% and will apply to Your remaining principal balance.
    The Finance Charge begins to accrue on the date of each advance and there
    is no grace period.                     OVERDRAFTS. We may transfer funds in the amount necessary (or in such
                                            increments as We may from time to time determine) to Your share draft
    HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature account by an advance on Your Overdraft Line of Credit Feature Category,
    Categories (except VISA), the Finance Charge is determined by multiplying subject to this provision, to clear any overdraft on Your share draft account.
    Your unpaid balance at the close of each day in the billing cycle being Whether or not such transfers occur will be controlled by this Agreement. In
    accounted for by the applicable Daily Periodic Rate. The unpaid balance is the any event, You hold Us harmless for any and all liability which might
    balance each day after payments, credits, and unpaid Finance Charges to that otherwise arise if the transfer does not occur. Overdraft protection
    balance have been subtracted and any new advances, insurance premiums or automatically ceases if this Agreement is ever cancelled or terminated or Your
    other charges have been added to Your unpaid balance. These daily Finance Account is in default.
    Charges are then added together and the sum is the amount of the Finance
    Charge owed for the Feature Category being accounted for. The total Finance PERIODIC STATEMENTS. On a regular basis, You will receive a statement
    Charge You owe on Your Account for each billing cycle is the sum of all the showing all transactions on Your Account including amounts paid and
    Finance Charges due for all applicable Feature Categories. borrowed since Your last statement. We will mail You a statement each
                                            month in which there is a debit or credit balance or when a Finance Charge is
    VISA FINANCE CHARGES. In the case of any transactions under Your VISA imposed. We need not send You a statement if We feel Your Account is
    Crimson, VISA Crimson (Introductory Rate), VISA Crimson Rewards, VISA uncollectible or if We have started collection proceedings against You because
    Crimson Rewards (Introductory Rate), VISA Student Rewards, VISA Student You defaulted. EACH STATEMENT IS DEEMED TO BE A CORRECT
    Rewards (Introductory Rate), VISA Secured or VISA Secured (Introductory STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR
    Rate) Feature Categories, the balances subject to the periodic Finance Charge PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.
    are the average daily transactions balances outstanding during the month
    (including new transactions).To get the average daily balance, We take the OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under
    beginning balance each day, add any new purchases, balance transfers, cash no obligation to honor Your Convenience Checks if: (1) by paying a
    advances, insurance premiums, debit adjustments or other charges and Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or
    subtract any payments, credits and unpaid Finance Charges. This gives Us the Convenience Checks have been reported lost or stolen; (3) Your Account has
    daily balance. Then, We add up all the daily balances for the billing cycle and been cancelled or has expired. If a postdated Convenience Check is paid and,
    divide them by the number of days in the billing cycle. The Finance Charge for as a result, any other Convenience Check is returned unpaid, We are not
    a billing cycle is computed by multiplying the average daily balance subject to responsible for any resulting loss or liability.
    a Finance Charge by the Daily Periodic Rate times the number of days in the
    billing cycle.                          DEFAULT. You will be in default if: (a) You do not make any payment or
                                            perform any obligation under this Agreement, or any other agreement that
    You can avoid Finance Charges on purchases by paying the full amount of the You may have with Us; or (b) You should die, become involved in any
    entire balance owed each month within 25 days of Your statement closing insolvency, receivership or custodial proceeding brought by or against You; or
    date. Otherwise, the new balance of purchases, and subsequent purchases (c) You have made a false or misleading statement in Your credit application
    from the date they are posted to Your Account, will be subject to a Finance and/or in Your representations to Us while You owe money on Your Account;
    Charge. Balance transfers and cash advances are always subject to a Finance or (d) A judgment or tax lien should be filed against You or any attachment or
    Charge from the later of the date they are posted to Your Account or garnishment should be issued against any of Your property or rights,
    from the first day of the billing cycle in which the transaction is posted to specifically including anyone starting an action or proceeding to seize any of
    Your Account.                           Your funds on deposit with Us; and/or (e) We should, in good faith, believe
                                            Your ability to repay Your indebtedness hereunder is or soon will be impaired,
    For VISA Crimson (Introductory Rate), during the _____-month period time being of the very essence.
    immediately following the date that Your Account is established, purchase,
    balance transfer, and cash advance transactions will accrue finance charges at Upon any occurrence of default, We may, to the extent permitted by law,
    an introductory Daily Periodic Rate of ___________% (corresponding to an cancel Your rights under this Agreement, require the return of all access
    ANNUAL PERCENTAGE RATE of ___________%). Upon the expiration of the devices and declare the entire balance of every Feature Category of Your
    introductory rate period, the entire balance of purchases, balance transfers, Account immediately due and payable, without prior notice or demand.
    and cash advances existing at that time and in the future will accrue
    finance charges at the non-introductory variable rate described elsewhere in COLLECTION COSTS. In the event collection efforts are required to obtain
    this Agreement.                         payment on this Account, to the extent permitted by law, You agree to pay
                                            all court costs, private process server fees, investigation fees or other costs
    For VISA Crimson Rewards (Introductory Rate), during the _____-month period incurred in collection and reasonable attorneys' fees incurred in the course of
    immediately following the date that Your Account is established, purchase, collecting any amounts owed under this Agreement or in the recovery of
    balance transfer, and cash advance transactions will accrue finance charges at any Collateral.
    an introductory Daily Periodic Rate of ___________% (corresponding to an
    ANNUAL PERCENTAGE RATE of ___________%). Upon the expiration of the ENFORCEMENT. We do not lose Our rights under this or any related
    introductory rate period, the entire balance of purchases, balance transfers, agreement if We delay enforcing them. We can accept late payments, partial
    and cash advances existing at that time and in the future will accrue payments or any other payments, even if they are marked "paid in full"
    finance charges at the non-introductory variable rate described elsewhere in without losing any of Our rights under this Agreement. If any provision of this
    this Agreement.                         or any related agreement is determined to be unenforceable or invalid, all
                                            other provisions remain in full force and effect.
    For VISA Student Rewards (Introductory Rate), during the _____-month period
    immediately following the date that Your Account is established, purchase, NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You
    balance transfer, and cash advance transactions will accrue finance charges at move or otherwise have a change of address.
    an introductory Daily Periodic Rate of ___________% (corresponding to an
    ANNUAL PERCENTAGE RATE of ___________%). Upon the expiration of the CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
    introductory rate period, the entire balance of purchases, balance transfers, delivering to You written notice of the changes as prescribed by the Federal
    and cash advances existing at that time and in the future will accrue Truth-In-Lending Act. To the extent permitted by law, the right to change the
    finance charges at the non-introductory variable rate described elsewhere in terms of this Agreement includes, but is not limited to, the right to change the
    this Agreement.                         periodic rate applicable to Your unpaid balance and/or future advances.
                                        Page 4 of 6
   CREDIT INSURANCE. Credit insurance is not required for any extension of central processing date, which rate may vary from the rate VISA itself
   credit under this Agreement. However, You may purchase any credit receives; or (b) the government-mandated rate in effect for the applicable
   insurance available through Us and have the premiums added to Your central processing date. For transactions that are initiated in a foreign
   outstanding balance. If You elect to do so, You will be given the necessary currency, You will be charged 1.00% of the final settlement amount. For
   disclosures and documents separately.    transactions occurring in foreign countries and initiated in U.S. Dollars, You
                                            will be charged 0.80% of the final settlement amount.
   INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
   Disclosure - Federal Truth-In-Lending Act," which is delivered together with TRANSACTION SLIPS. Your monthly statement will identify that merchant,
   this Agreement or at a later date becomes an integrated part of this electronic terminal or financial institution at which transactions were made,
   Agreement and Disclosure.                but sales, cash advances, credit or other slips cannot be returned with
                                            the statement.
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
   Agreement. By signing the application; or by using Your Account or any LATE CHARGE. If Your payment is more than 10 days late, You will be charged
   Account access device; or by authorizing another to use Your Account, You the lesser of: (a) the amount of the minimum payment due; or (b) the greater of
   agree to and accept its terms.           $10.00 or 5.00% of the payment due, subject to a $25.00 maximum.
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide OTHER FEES AND CHARGES. You will be charged the following fees
   facts to update information contained in Your original Account application or associated with the use of Your Card: (a) the lesser of $10.00 or the required
   other financial information related to You, at Our request. You also agree that minimum payment amount for the returned payment for any check (or other
   We may, from time to time, as We deem necessary, make inquiries pertaining negotiable instrument used for payment) which is returned unpaid; (b) a cash
   to Your employment, credit standing and financial responsibility in accordance advance fee FINANCE CHARGE equal to 1.50% of each such advance You
   with applicable laws and regulations. You further agree that We may give obtain; (c) $5.00 for each replacement Card You request; (d) $8.00 for each
   information about the status and payment history of Your Account to merchant sales slip copy that You request; (e) $20.00 per hour each time You
   consumer credit reporting agencies, a prospective employer or insurer, or a request that We perform research on Your Account; (f) $5.00 each time You
   state or federal licensing agency having any apparent legitimate business need request Our assistance via telephone to pay Your payment from an account at
   for such information.                    another financial institution; (g) $2.00 for each statement copy (whose original
                                            origination date, as of the date requested, precedes that of the prior calendar
   TERMINATION. Either You or We may cancel Your Account or any particular quarter) that You request; and (h) an expedited delivery charge equal to the
   Feature Category of Your Account, at any time, whether or not You are in actual cost delivery.
   default. You will, in any case, remain liable to pay any unpaid balances
   according to the terms of Your Account.  LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
                                            Cards or Convenience Checks, You will immediately call Us at (801) 481-8800
   GOVERNING LAW. This Agreement is controlled and governed by the laws of or write to Us at P.O. Box 58025, Salt Lake City, UT 84158.
   the State of Utah except to the extent that such laws are inconsistent with
   controlling federal law.                 CREDITS. If a merchant who honors Your Card gives You credit for returns or
                                            adjustments, they will do so by sending Us a slip which will be posted to Your
      TERMS APPLICABLE TO YOUR VISA CRIMSON, VISA CRIMSON Account. If Your credits and payments exceed what You owe Us, We will hold
    (INTRODUCTORY RATE), VISA CRIMSON REWARDS, VISA CRIMSON and apply this credit against future purchases and cash advances, or if it is
      REWARDS (INTRODUCTORY RATE), VISA STUDENT REWARDS, $1.00 or more refund it on Your written request or automatically deposit it to
    VISA STUDENT REWARDS (INTRODUCTORY RATE), VISA SECURED Your Share Account after 6 months.
      AND VISA SECURED (INTRODUCTORY RATE) CREDIT CARDS
                                                 Your Billing Rights: Keep this Document for Future Use
   USE OF YOUR CARD. You may use Your Card to buy goods and services in
   any place that it is honored and to get cash advances at participating financial This notice tells You about Your rights and Our responsibilities under the Fair
   institutions. You agree not to use Your Card for illegal transactions including, Credit Billing Act.
   but not limited to, advances made for the purpose of gambling and/or
   wagering where such practices are in violation of applicable state and/or What To Do If You Find A Mistake On Your Statement
   federal law.
                                            If You think there is an error on Your statement, write to Us at Our address
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at shown in this Agreement. In Your letter, give us the following information:
   any time without notice. You agree to surrender Your Card and to discontinue
   its use immediately upon Our request.    . Account information: Your name and Account number.
                                            . Dollar amount: The dollar amount of the suspected error.
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. For Cards involved in . Description of problem: If You think there is an error on Your bill, describe
   the instant-issue process, We will issue, upon Your request, a Personal what You believe is wrong and why You believe it is a mistake.
   Identification Number (PIN) for use with participating Automated Teller
   Machines (ATMs). This PIN is confidential and should not be disclosed You must contact Us:
   to anyone.
                                            . Within 60 days after the error appeared on Your statement.
   For Cards not involved in the instant-issue process, We will issue, . At least 3 business days before an automated payment is scheduled, if
   automatically, a Personal Identification Number (PIN) for use with participating You want to stop payment on the amount You think is wrong.
   Automated Teller Machines (ATMs). This PIN is confidential and should not be
   disclosed to anyone.                     You must notify Us of any potential errors in writing. You may call Us, but if
                                            You do We are not required to investigate any potential errors and You may
   You may use Your PIN to access Your Account and all sums advanced will be have to pay the amount in question.
   added to Your Account balance. In the event a use of Your PIN constitutes an
   Electronic Fund Transfer, the terms and conditions of Your Electronic Fund What Will Happen After We Receive Your Letter
   Transfer Agreement may also affect Your rights.
                                            When We receive Your letter, We must do two things:
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
   other slips You may sign or receive when using Your Card contain terms, this 1 Within 30 days of receiving Your letter, We must tell You that We
   Agreement is the contract which solely applies to all transactions involving received Your letter. We will also tell You if We have already corrected
   the Card.                                  the error.
                                            2) Within 90 days of receiving Your letter, We must either correct the error
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your or explain to You why We believe the bill is correct.
   Card. You will not be liable for the unauthorized use that occurs after You
   notify Us of the loss, theft, or possible unauthorized use by calling Us at While We investigate whether or not there has been an error:
   (801) 481-8800 or by writing to Us at P.O. Box 58025, Salt Lake City, UT
   84158. In any case, Your liability will not exceed $50.00. . We cannot try to collect the amount in question, or report You as
                                              delinquent on that amount.
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable . The charge in question may remain on Your statement, and We may
   for the refusal or inability of merchants, financial institutions and others to continue to charge You interest on that amount.
   accept the Cards or Convenience Checks, or electronic terminals to honor the . We can apply any unpaid amount against Your Credit Limit.
   Cards or complete a Card withdrawal, or for their retention of the Cards or
   Convenience Checks.                      After We finish Our investigation, one of two things will happen:
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and . If We made a mistake: You will not have to pay the amount in question or
   foreign currencies, the exchange rate between the transaction currency and any interest or other fees related to that amount.
   the billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the . If We do not believe there was a mistake: You will have to pay the
   range of rates available in wholesale currency markets for the applicable amount in question, along with applicable interest and fees. We will send
                                         Page 5 of 6
      You a statement of the amount You owe and the date payment is due. remaining amount due on the purchase. To use this right, all of the following
      We may then report You as delinquent if You do not pay the amount We must be true:
      think You owe.
                                            1) The purchase must have been made in Your home state or within 100
    If You receive Our explanation but still believe Your bill is wrong, miles of Your current mailing address, and the purchase price must have
    You must write to Us within 10 days telling Us that You still refuse to pay. If been more than $50.00 (Note: Neither of these are necessary if Your
    You do so, We cannot report You as delinquent without also reporting that purchase was based on an advertisement We mailed to You, or if We own
                                             the company that sold You the goods or services.)
    You are questioning Your bill. We must tell You the name of anyone to whom
                                            2) You must have used Your Credit Card for the purchase. Purchases made
    we reported You as delinquent, and We must let those organizations know
                                             with cash advances from an ATM or with a check that accesses Your
    when the matter has been settled between Us. If We do not follow all of the
                                             Credit Card account do not qualify.
    rules above, You do not have to pay the first $50.00 of the amount You
                                            3) You must not yet have fully paid for the purchase.
    question even if Your bill is correct.
                                            If all of the criteria above are met and You are still dissatisfied with the
              Your Rights If You Are Dissatisfied purchase, contact Us in writing at P.O. Box 58025, Salt Lake City, UT 84158.
              With Your Credit Card Purchases
                                            While We investigate, the same rules apply to the disputed amount as
    If You are dissatisfied with the goods or services that You have discussed above. After We finish Our investigation, We will tell You Our
    purchased with Your Credit Card, and You have tried in good faith to correct decision. At that point, if We think You owe an amount and You do not pay,
    the problem with the merchant, You may have the right not to pay the We may report You as delinquent.
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