BANKCARD AGREEMENT FOR UNITED CARDHOLDERS

G12203

  1.  DEFINITIONS  –  In  this  Agreement,  the  word  “Card”  means  a  single  Card  or  two  or  more  Cards  we  have  issued
pursuant to this Agreement.  The words “you” and “yours” mean each applicant or person to whom we have issued a
Card.  The words “us,” “our,” “we” and the “Bank” mean United Bank, Inc. The word “Account” means the MasterCard
or VISA Account for which you were issued a Card or Cards and Checks imprinted with your name and Account number.
“Authorized User” means any person whom you have given permission to use your Account.  If your spouse, or anyone
else, desires the same type of credit card to be issued in his or her name, he or she must sign a credit card application
requesting the same.  “Checks” mean the checks provided to you with your Account, should your Account type provide
for Checks.  The use of the word “Check” in this Agreement does not imply that the particular Account type you have
features  Checks  as  a  means  of  accessing  your  Account.
2. YOUR RESPONSIBILITY FOR THE ACCOUNT – You are responsible for all amounts owed on the Account and agree
to pay them, whether it is used by you or an Authorized User.  If yours is a joint Account, each of you, together and
individually, are responsible for all amounts owed even though the Account was used by only one of you.  Do not attempt
to use the Card after the expiration date printed on the front of the Card.
3. ACCEPTING THIS AGREEMENT – You should sign each Card as soon as you receive it.  A Card or Check may be used
only by the person named on it.  This Agreement shall not become effective unless you have signed the Application for
the Account or until you or someone authorized by you signs a sales slip, Check or other written memorandum and before
that time you shall not be responsible for any purchases or lease made by use of the Card or Account.  This agreement
amends and replaces any prior cardholder agreement you may have with the Bank.
4. CREDIT LIMIT – Your credit limit for an Account is stated on the statement sent with your Card(s) and will be shown
on each monthly statement.  Your credit limit is the most you should owe on your Account at any time.  You may not use
your Account in any way that would cause you to go over your credit limit.  If you go over your credit limit, we may impose
a fee to the extent permitted by applicable law.  If you owe more than your credit limit you may be asked to pay the
excess immediately.  The Bank may change your credit limit at any time but will notify you if it does.
5. MONTHLY STATEMENT – At the end of each billing period (approximately monthly intervals which we call “Billing
Cycles”), if there is any activity in your Account, the Bank will send you a monthly statement.  The statement will be sent
to you on behalf of all Authorized Users of the Account.
6. PURCHASES – You can use your Account to obtain loans to finance the purchase or lease of goods and services from
participating establishments and for other purposes that will be made available from time to time up to your credit limit.
You must sign a sales slip or other memorandum or you must authorize another person to complete one on your behalf.
Usually you will be asked to present your Card, but at times you may use the Account to finance Purchases by mail,
telephone  or  the  Internet  without  presenting  your  Card  by  authorizing  someone  else  to  sign  for  you.
7. ADVANCES – An Advance is a cash loan.  It may be obtained by presenting your Card to any bank or other financial
institution that accepts the Card or by using any of our ATMs or any ATM which may be provided for your use by another
bank or other financial institution that accepts the Card.  As explained below, an Advance can also be obtained by using
a  Check.
8. ADVANCES BY USING CHECKS – Checks can be used for any purpose.  Advances may be obtained by using them under
the  following  conditions:
The Checks are supplied by the Bank, with your name and Account number printed on them.  Only a person whose name
is printed on a Check may sign it.
The Bank will not certify a Check.
The Bank will not be responsible for returning it unpaid if (i) there is not enough available credit, (ii) the conditions
of this Agreement have not been carried out, (iii) the Account has expired, (iv) the right to use the Account has been
cancelled by the Bank, (v) a Card or Check has been reported lost or stolen or (vi) the Check is postdated (shows a future
date).
Checks  once  paid  by  the  Bank  are  not  returned.
Checks  are  subject  to  the  Bank’s  normal  rules  governing  checking  accounts.
However,  if  the  Bank  does  pay  any  Check  that  it  could  have  returned  unpaid  for  any  reason  listed  above,  you  are
responsible for its payment under the provision of this Agreement.  The Bank is not obligated to advance funds that
exceed the credit limit on the Account.  You may ask to stop payment on a Check but agree to indemnify us and hold
us harmless for any loss or liability we may incur as a result of honoring the stop payment. You agree that we will not
be liable if we did not have reasonable time to honor the stop payment.
9. MONTHLY PAYMENT – You may pay us the total amount you owe, or any portion of it, at any time, but not less than
the Minimum Payment Due as shown on your monthly statement.  You must pay at least the Minimum Payment Due
each month before the Due Date shown on your monthly statement. The Bank will calculate separate Minimum Payments
for all Advances and all Purchases on an Account.  If you make your payment by check and that check is not honored
by the bank on which it is drawn, the Bank reserves the right to charge and add to the balance of the Account a Return
Check Fee.  The Minimum Payment Due will be equal to (a) the greater of (1) 1/ 36th of the New Balance for Advances
or the New Balance for Purchases, as the case may be, rounded to the next highest dollar or (2) $5.00, plus (b) the
amount of any unpaid Minimum Payment Due from previous statements, rounded to the next lowest dollar.  If the New
Balance for Advances or Purchases is less than $5.00 then such New Balance for Advances or Purchases, as the case may
be, will be due.  Your credit card includes a Pay Ahead feature which permits you to “carry over” balances which are
amounts paid in excess of the Minimum Payment Due.  If you pay more than the amount of the Minimum Payment Due
in any month, information as to the amount of excess paid will be stored and this Pay Ahead amount will be applied
to eliminate or reduce the Minimum Payment Due in the next two (2) billing cycles.  Pay Ahead amounts will not be
carried beyond two (2) billing cycles.  If you pay your balance in full, any information stored as a Pay Ahead amount
will be cleared and the process will begin again when a balance is carried beyond a statement Payment Due Date.  The
Bank reserves the right to deactivate the Pay Ahead feature for any customer, at any time.  The Minimum Payment Due
shown on your statement will give effect to the Pay Ahead feature.  You agree to pay any such Minimum Payment Due
shown  on  or  before  the  Payment  Due  Date  shown  on  each  periodic  statement.
10. INTEREST CHARGES AND FEES – The initial method of computing Interest Charges, the initial percentage rate for
the Interest Charge, the Annual Membership Fee and other applicable fees and charges are set out on your Application,
on the materials sent to you with your initial Card or on your Monthly Statement.  The Interest Charge and the method
of computing it may be different for Advances as for Purchases.  The Bank reserves the right to modify the method of
computing  Interest  Charges,  the  applicable  percentage  rate,  or  any  of  the  other  fees  and  charges  applicable  to  your
Account from time to time.
11. PAYMENTS – The Bank may accept late payments or partial payments, even though marked “Payment in Full”,
without losing any of its rights under this Agreement.
12. ADDITIONAL BENEFITS – The Bank reserves the right to add Additional Benefits to your Account from time to time,
such as Travel Accident Insurance, Emergency Travel Assistance and Rental Car Collision Damage Waiver, to name a few.
Your  Account  may  or  may  not  have  any  or  all  of  such  Additional  Benefits.    The  Additional  Benefits  may  be  granted,
modified or withdrawn at any time and from time to time.  If the Bank grants any such Additional Benefits to your Account,
the Bank will pay the cost associated therewith, but those Additional Benefits will be supplied by third party providers
and the Bank will not be liable for any act or omission of any third party provider.
13. ILLEGAL USE OF CARD – Under no circumstance may any Card issued pursuant to this Agreement be used for any
Purchase  or  Advance  used  in  connection  with  any  transaction  or  series  of  transactions  which  violate  any  provision  of

applicable local, state or federal law.  You agree to indemnify and save the Bank harmless from any liability the Bank may
incur or damage it may suffer by reason of use of the Card for any such improper purpose.
14.  CURRENCY  CONVERSION  –  The  exchange  rate  between  the  transaction  currency  and  the  billing  currency  used  for
processing international transactions is a rate selected by Visa and MasterCard from a range of rates available in wholesale
currency  markets  for  the  applicable  central  processing  date,  which  may  vary  from  the  rate  that  Visa  and  MasterCard  itself
receives  or  the  government-mandated  rate  in  effect  for  the  applicable  central  processing  date,  plus  2  percent.
15. USE OF ACCOUNT FOR QUASI-CASH TRANSACTIONS – The Account may be utilized for payment of certain quasi-cash
transactions such as the purchase of money orders, truck stop services, United States Savings Bonds, and wire transfers, use
in lawful wagering transactions, obtaining bail bonding, making tax payments to any governmental organization, payment
of insurance premium, making arrangements for hospital patient funds and charitable contributions, political contributions
and government loan payments, handling overpayments, payment of court costs and traffic or criminal court fines and similar
items.  If so utilized, the Bank reserves the right to charge a Cash Advance Fee for any Quasi-Cash Transaction in accordance
with the disclosures provided to you from time to time.
16. WAIVER OF FEES – The Bank reserves the right at any time and from time to time to grant full or partial waivers of any
fee otherwise chargeable to any Account or group of Accounts, for any reason.  Any decision by the Bank regarding any such
full or partial waiver does not create any right to similar or identical treatment for any other Account or group of Accounts.
17. IMPOSITION OF MISCELLANEOUS FEES – See the enclosed account opening disclosure for the specific fees that may be
imposed.  The Bank reserves the right to impose a Research Fee in the event that questions raised by you, or anyone else
entitled to inquire about your Account, call upon the Bank to incur personnel time or expense to answer or otherwise respond
to any inquiry.  If you report your Card lost or stolen and request reissuance of a new Card, the Bank reserves the right to charge
and add to the balance of your Account a Card Replacement Fee.  The Bank reserves the right to charge and add to the balance
of your Account a Cash Advance Fee for utilizing your Card to obtain a cash advance either through automated teller machines,
for  overdraft  protection  (Ready  Reserve)  or  at  a  bank  window.
18. ALTERATION OF INTEREST CHARGE UPON DELINQUENCY – To the extent permitted by law, if your Account falls delinquent,
the Bank reserves the right to adjust the Annual Percentage Rate upon your balance to a higher percentage rate.
19.  SECURITY  INFORMATION  –  Important  Information  When  Traveling  Outside  The  United  States  –  If  you  plan  to  travel
outside the U.S., please contact a bankcard representative at 1-800-242-7600.  For security reasons, some foreign countries
may be blocked or have certain restrictions.  Your account is also protected by a fraud monitoring system that uses sophisticated
technologies that seeks out and identifies suspicious card activity on your behalf.  Fraud is serious business.  Therefore, if
high risk or suspicious activity occurs, you may receive calls from security analysts to confirm activity.  In some cases your
account  may  be  temporarily  blocked  until  validity  of  charges  is  confirmed.
20. ONLINE CREDIT CARD ACCESS – Our online credit card service is an excellent resource for current account information and
transaction history.  It is also a quick and easy way to make your credit card payment.  To use this service, sign up today by
selecting  the  “credit  card”  option  under  Online  Banking  at  bankwithunited.com.
21. LOST OR STOLEN CARDS OR CHECKS – If your Card or Checks are lost or stolen, or are possibly being used without your
permission, you must notify us immediately by calling (304) 295-3461 or 1-800-242-7600.  You should also follow this up
by writing United Bank, Inc., Bankcard Division, P.O. Box 1382, Parkersburg, West Virginia 26102.  Don’t use the Card or the
Checks after you have notified us even if you get them back.
If your Card or Account is used by an unauthorized person you may not be liable for any Purchases or Advances made after
you have notified the Bank of the loss or theft by phone or in writing, at the telephone number or the address shown above.
If someone else is authorized to use your Card or Account and you want to end your responsibility for the use of the Card or
Account by that person, you must let us know in writing.  You must send to the Bank with your written notice, any Card or Checks
that  person  had.
22. DEFAULT AND COLLECTION COST – Upon your insolvency, bankruptcy or death, or default in payment of any amount due,
we may demand immediate payment of the full balance owed on your Account subject to the provisions of West Virginia Code,
Chapter 46A, Article 2, Section 106.  You agree to waive the right to trial by jury and the right to assert any counterclaim or
offset  against  us.
If the Bank asks that any amount owed to it be paid because one or more of the above events has happened, and the Bank
refers this claim for collection to an attorney, you agree to pay the Bank’s reasonable attorney fees to the extent permitted
by law.
23. DELAY IN ENFORCEMENT – The Bank can delay enforcing its rights under this Agreement without losing them.
24. CREDIT REPORTS – You authorize the Bank to make or have made any credit, employment, and investigative inquiries
as it deems appropriate for the extension of credit or the collection of amounts owed under your Account.  The Bank can furnish
information concerning an Account or credit file to consumer reporting agencies and others who may properly receive that
information.  If you ask, you will be informed whether or not a consumer report on you was requested and the name and
address  of  the  consumer  reporting  agency  that  furnished  the  report.
25.  AMENDMENT  OF  AGREEMENT  –  The  Bank  can  change  this  Agreement,  including  Interest  Charges  and  the  Annual
Percentage Rate at any time as permitted by law.  The Bank may sell or otherwise transfer your Account and any amounts
owed by you to another creditor at any time.  If the Bank does, this Agreement will still be in effect.
26. CANCELLATION – You may cancel your Account at any time by notifying us in writing and returning your Card or Cards and
Checks cut in half.  However, you remain responsible to pay the unpaid balance with Interest Charges and any other charges
according to the terms of this Agreement.  The Bank can cancel or suspend your Account privileges at any time to the extent
permitted by law and if the Bank asks, you must cut your Card or Cards and Checks in half and return them to the Bank.
27. OVERDRAFT PROTECTION SERVICE – If you have agreed to use our Overdraft Protection Plan, Ready Reserve, any overdrafts
on a checking account covered by the plan will be treated as an Advance against your Account in $50.00 increments and will
be  subject  to  the  terms  and  conditions  covering  Advances  under  this  Agreement.
28. APPLICABLE LAW – The relationship between you and the Bank is controlled by the laws of West Virginia and the United
States.
29. IF YOUR CARD OR CHECK IS REFUSED – The Bank is not responsible if a seller, bank or other person refuses to honor
your Card or Checks.  Although you may have credit available, the Bank may be unable to authorize credit for a particular
transaction  due  to  operational  difficulties  or  mistakes.    Transactions  made  above  a  certain  dollar  amount  may  require
authorization before the transaction is approved.  The number of transactions you make in one day may be limited since the
Bank may limit the number of authorizations which may be given.  These restrictions are for security reasons.  As a result, the
Bank cannot explain the details of how its authorization system works.  Neither the Bank nor its agents will be responsible
if authorization for a transaction is not given.  If your Account is overlimit or delinquent, authorization of credit for transactions
may be declined.  In addition, United uses a fraud monitoring tool to track spending patterns and identify suspicious activity.
A fraud analyst may contact you to verify transactions.  If we are unable to reach you by telephone and the transactions are
highly  suspicious,  your  account  may  be  temporarily  blocked  until  activity  can  be  verified.
30.  IMPORTANT  INFORMATION  ABOUT  PROCEDURES  FOR  OPENING  A  NEW  ACCOUNT  –  To  help  the  government  fight  the
funding  of  terrorism  and  money  laundering  activities,  Federal  law  requires  all  financial  institutions  to  obtain,  verify,  and
record  information  that  identifies  each  person  who  opens  an  account  or  requests  a  loan.
What this means for you: When you open an account or request a loan, we will ask for your name, address, date of birth, and
other  information  that  will  allow  us  to  identify  you.    We  may  also  ask  to  see  your  driver’s  license  or  other  identifying
documents.
We may ask our established customers for identification and we will use this information to update our files.

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YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:

United Bankcard Department,
P.O. Box 1382, Parkersburg, West Virginia 26102

You may also contact us on the Web at: bankwithunited.com or bankcard@bankwithunited.com. In your letter, give us the following
information:

•
•
•

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why
you believe it is a mistake.

You must contact us:
•
•

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 stop payment on the
amount you think is wrong.

You must notify us of any potential errors in writing or electronically.  You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received your letter.  We will also tell
you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we
believe the bill is correct.

While we investigate whether or not there has been an error:

•
•
•
•

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or any interest or other 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 you owe and the date payment is due.  We may
then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.  If
you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone
to whom we reported you as delinquent, and we must let those organizations know when the matter 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 you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If 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 the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:

1.

2.

3.

The purchase must have been made in your home state or, within 100 miles of your current mailing address;
and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase
was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:

United Bankcard Department
P.O. Box 1382, Parkersburg, West Virginia 26102
bankwithunited.com or bankcard@bankwithunited.com

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell you our
decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Account Opening Disclosure

5.50%.
5.50%.
5.50%.

For Credit Card Tips from the
Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit
card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

5% of the Minimum Monthly Payment, not to exceed $15.00.

Account Opening Disclosure • United Gold Mastercard

G-16349

.01507%

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5.50%.