Pa HW DESERET FIRST P.O. Box 45046 « Salt Lake City, Utah 84145 * (801) 456-7000 Visa Platinum Rewards Credit Card Disclosure Interest Rate and Interest Charges Type of Card Platinum Rewards                 10.9%-18.00%* “APR will be mailed to you upon the approval of your application. 10.9%-18.00%* 10.9%-18.00%* 18.00% This 18.00% penalty APR may be applied to your account if: 1) Your loan is 60 days delinquent 2) Make a payment that is returned; or 3) Do any of the above on another account that you have with us. Annual Percentage Rate (APR) for Purchase APR for Cash Advances APR for Balance Transfers Penalty APR Penalty APR and when it applies:         Interest rate may be re-evaluated after 6 months.   How to avoid paying interest on| The grace period is for the first 25 days of the billing cycle. No FINANCE   purchases CHARGE will be charged if you pay the entire New Balance of Purchases each month within 25 days of your statement closing date. For Credit Card Tips To learn more about the factors to consider when applying for or from the Consumer Protection Bureau using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore Fees Setup and maintenance fees:               « Annual Fee None * Set Up Fee None * Additional Card Fee None Transaction Fees: * Balance Transfer None   « Cash Advance * Foreign Transaction Penalty Fees: * Late Payment « Returned payment * Over the credit limit 1 5% of advance 1% of purchase       $25.00 or minimum payment due, whichever is less. $25.00 None             How we will calculate your dally balance: Balance is calculated by taking the beginning balance of your account each day and subtracting any payments or cradits (and any unpaid charges) any cash advances are added but any new purchases are not added until the next billing cycle, This determines the daily balance. Then, all of the daily balances for the billing cycle are added together and divided by the total number of days in the billing cycle. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement, In this Agreement the words you and your mean each and all of those who apply for the card or who sign the Visa Card Agreement, card means the Visa Credit Card and any dupli- cates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, ours and the credit union means Deseret First Federal Credit Union. RESPONSISILITY: If we isgue you a cand, you agree to fapay al debts, charges and the FINANCE CHARGE arsing from the use of the card and the card account. For example, you are sponsible for changes made by yoursell, your spouse and minor children, You are ao responsible tor charges made by anyone ese to whom you give the card Of idormabon comiaaned on the card, and this respensibilty contirues undil the card if recovered or the accounts closed for new transactions. You canna distiaim msponaibility by motihang us, but we wil close the account for new transactions if you so request and you netum all cards. Your obligation to pay the account balance continues even thowgh an agreement, diiece decree of other court judgment io which we are not a party may direct you OF another person fo pay ihe 2ccount Any person using the card is jounily amd severally responsebee with you for charges he on she makes, but if that person signs the card he or she becomes a party 1p thes. Agreament and is 2¢s0 jointly responsible for all charges on the account. eluding yoars reasonable precewtions to keep your PIM separate fom your Card amd to prevent the unauthorized discioaura of your PIN, You acknowledge that if you permit or authorize ofher persons bo use your Card and PuN, you will be Hable for the resulting transactions. Degerel First Credit Unioe will not ask for your PIN under any circumstance CREOIT LIMIT: If your application & approved, ihe credit weaon will establish a credit limit tor you, The aenoun’ will be based upon many factors. including your ability to pay and your creda history. Your accound will be a revolving credit account. This means thal you can borrow the full amount of the credit limit, mpay ihe principal, interes! and other charges in full or an part aed borg again up to your maxkmum, 2s long 2 you cones to be credituprity The credit ureon has the right to terminate the accowel withouwl advance notice bo the extent permetied bey law. We will motihy wou in writing of the reason for any such Genial of creda. Among the reasons for relusing to advance you chedll ant: an adverse change in your creda standing such as fot making carent Idan payments: a change in your 2 LOST CARD NOTIFICATION: M you believe the card, the aocoenl number, the FIN o¢ any combination of the three employment slalus; your inachvency, your bankruptcy; or your dealh. Your credit limit will be reviewed periodically has been lost or stolen you must immadiatety notify the credi union af (801) 456-7000 of 600-326-3328 of and you may be requested to provide current iedormation. Your credi limit may be increased of decreased al that International at 314-275-6690) fine. You will be notified of any such changes to your credit limit. Yow can apply for an increase in your credit ling 3, LIABILITY FOR UNAUTHORIZED USE: You understand that your liability to the creditunion, or mspansibility fot abany trie. You agree ta remain a “Member af the oredit union by maintaining in your teguiar savings accowet a te card transactions resulting trom the loss, Ghett or otter unauthorized use of ihe card, accomnl number or FIN oF any combination of the three shall be. subject to applicable law as follows a You musi notify the credit onion in writing no later ihan 60 days afer a staipment was. sem showing an unauihorited transaction, The creadil union is fol responsible fer any ilem mol reported within the above mentored time period. bh. You must notity the credit union within 2 days of dscovery of the loss o¢ thett of your cardis} USE OF PERSONAL IDENTIFECATION NURABER (PIN): You wall hold in strict cocfidence your PON, You will take balance of not less than $25.00 as long a5 you have a crecifl card. If your regular savings account balance should drop below $25.00, the credit union may decline future extension of credit. Termination by you o¢ the credit union does oof atferl your obligation to pay the account balance INTEREST RATE ADJUSTMENTS: The credit anaon may review our crt shinding penicdicaly and you may be requested to provide current information. Your interest fale may be increased af that tima depending on, but not limited to, the following reasons: Adverse change in your cred standing such as mol making current loan payments with the credit union of other creditors: going over your credit Gail; payments ary retuned: a change in your employment sabes; your itdolvency; of your banknupicy. Yeu vall be nofilied of any such changes to your everest rale7. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing: your account, and you authorize ws to disciose information regarding your account to credit bureaus and other oreditors who inquire of wt abo your credit standing, &. MONTHLY PAYMENT: We will mail you a statement every month showing your Previous Balances of purchases 2nd cash advances, the current transactions on your account (which inchide purchases, cash advances, other debits, payments and. other credits), the Total New Balance, the ANANCE CHARGE due to date, the enused credit under your Creat Line, and the Minimum Payment required, Every month you must pay at beast the Minium Paymant within 25 days of your statament closing dale. You may. of coarse, pay more frequently, pay more ‘than the Minium Payment, or pay the Payott Balance in full You will redace the FINANCE CHARGE by doing 60, The Minimum Payment will be either (a) 3% of your Payot! Balance or $25.00, whichever is greater, or (b) your Payotl Balance, it it is less than $25.00 plus (¢) any partion of the Minimum Payment(s) steam om prior ‘Siglement(s). which remain unpaid. In addition, af any time your Total New Balance exceeds your Credit Lina, you must imenediately pay the excess upon our demand. We will apply your payments first to any late fees; then to ‘he FINANCE CHARGE on cash advances (accumulated and unpaid as of the dale payment is applied): Ihan to Lie FINANCE CHARGE on purchases (lirst to previousty billed and unpaid and then to current bifed and unpaid); then ‘to the accurvulated cash advance balance; and then to the balance of new purchases, whether or not billed on ihe monthly statement. The Credit Wion shall creda your payment the same day if it is received prior the clone of business, Payments: can be made in person at any al owr offices, by telephone, by internet transfer or mailed to: Deseret Fret Credit Union PO. Box 45046 Salt Lake City, UT @4145 9. FINANCE CHARGES ANG OTHER CHARGES: You can avoid FINANCE CHARGE on purchases by paying the fall amount of the “New Balances” of Parchases each month within 25 days of your sttoment closing date, Otherwise, Ihe Mew Balance of Purchases and tubsequent parchasas trom the date they are posted (a your account will Be subject to the FINANGE CHARGE. Cash advances are always subject to a FINANCE CHARGE from the date they are posted bo your account, FINANGE CHARGES are calculated using the Average daily balance method. The principal balances of purchases and cash achances are determined each day dating the slalament period, beginning with thes principal postion of Previews Balances, redecad by payments you make and credits that are applied and increased by purchases and cash advances you make and adjustments we make during the statament period. The. daily principal balances are totaled. and divided by the member of days in the statement period to produce separate average daily princepal Balances for purchases and Gish advances bo which the perigdas rate, Se4 forth in the tale ig then applied. Other Charges ave set forth abowe. TO. DEFAULT: You will be im default if you tail to make the minimum Required Payment within 26 days ater your monthly stitement cloging date. I your account is 10 days delinquent, your card will be blocked until your account ig eurrend. tt your account is 60 days delinquent, yout rate will be adjusted up 24: and your cand privileges will be tenminated. HW after the rate adjustment you remain -currant.on your loan payments for a G-monih period you may reapply to have your card privileges reinstated and interest rate reevaluated, ‘You will also be in defaull # you are in default of any ofher loan or obligation to the credit union, ause a loss to the credit union andige if your ability ‘Ip repay us is malanally reduced by a change in your amployment, an increase in your obligations, bankupicy or Insolvency proceedings involving you, your death or your failure to abide by this agreement. if you default, the veetine blance of thes account shall become due and payable at the option of the Cred Union, Each party hereto Turther agreds that if payment of ihe aocoenl shall mol be made as herein prowided, he shall pay the costs of cofaction, including aff attorney teas and costs including all said tees and costs in bankrupbey court or on appeal. The Credit Ueion can delay enforcing amy of its nights under this agreement without bosing them. 11, USING THE CARD: To make a purchase or cash advance. two allemative procedures exist. One is for you to present the card fo a particinating VISA plan merchant, to us or to another financial inatitution, and sign ihe tales of cash advance draft which wal be imprinted with your card. The other is to complete the transaction by using your Personal Identificalion Number (PIN) in conjunction with the cand in an Automated Teller Maching or other type of electronic terminal that provides access to the VISA system. The monthly statement will identity the marchant, electronic terminal or financial institution at whach bansactors were made, bul sales, cash advance, credit or-other slips cannot be returned with the statement. You will retain the copy of such sip furnished at the ‘lima of transaction in order to vanity the monthly statement, The Credit Union may make a reapongble change for photocopies of slips you may request. You understand and agree that neither your card mor any information ‘contained in or on fhe card may be used for any or transaction deemed to be ifegal under Utah or other applicable law, This includes bet is not limited bo, interne! gambling, Use of the card acknowledges that [Pe purchase or Iransaction ig lrwhul and sebject fo the termes of this agreement 12. RETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give cred for returns or adjustments, and they wil do so by sending-a credit, which we will post to your accomnt. OO WOT sublract a oredit thal does nol appear on your statement Irom yer Mew Balanor as this may cause you fo recent a ANANCE See. It your credits and payments exceed your Garrent Balance, this will reguit an a “Cred Balance” on yout 13. FOREIGN TRANSACTIONS: Transactions made in foreign countries will be billed to you in US dollars, Conversion US dollars & determined by a rate selected by Visa from a range of rates available in wholesale currency markets jor tha applicable central processing date, which rale may vary from the rata Visa itsall recelves or ie governmant- mandated: rate in efect for the applicable central processing dale plus a | percent cunency conversion fee. The cumency conversion fee will appear as a separate line on your statement for cach transaction compieted ina fonign country 14. SECURITY INTEREST: In consideration for and as-a condition of the credit union issuing a credit cand to you, you grant the credit union a SECURITY INTEREST in all tunds and otter assets of yours hald by the ceadit union, inchading any assets, whith may be pledged as collateral Tor another Ioan with the creda union, You also consent to dur fight to alfset any acount payment delinquency with tumds in any of your creda enon accounts without advance notica fo you. This han does nod restrict your right to withdraw funds prior to the ewercise of the oredit union's righl and is nol a pledye by you of yor accounts. Any exercise of the right by the credit union is mol an ection of remedies, Al ihe credit union's option, a specified amount on deposi in one of more of your creda unio accounts may be pledged as security for repayment of all amounts loaned to you under the tarms.of ihis agreement. The amount edged and the aocownl will be shown on the separate security agreement. You cannot withdiinw the hands pledged Trom the account as long a3 the pledge is in effect If you default in your payments ender the terms of this agreement, the credit union has tha right io apply tha amount specitically pledged fo pay off this account in fall or in part. 15. PLAN MERCHANT DISPUTES: A plan merchant a merchant that accepts a View Card asa form of payment for goods or services. We are nod responsible for the refusal ol any plan merchant, vendor oe financial inatitution to honor your card. 16, EFFECT OF AGREEMENT: This Agreement is the conbract, which applies bo al Irensactions on your account even ‘Thowgh the sales, cash advance, cred or olher slips you sign or recene may contain different terms, We may amend this Agreement irom time to time by sending you the advance written notice required by law. Your use of ‘the: cand thereafter will indicate your agreement to the amendments. To ther ment the law perms. and we indicate in ur notice, amendenents will apply to your existing account balance as well as 10 future trensac lions. 17. FINAL EXPRESSION: This Agreement is the final expression of the tens and conditions of thes VISA tine of credit between you and the Gradit Udon. This written Agreement may not be contradicted by evidence of any alleged oral agement 18. GOPY RECEIVED, You acknowledge receipt af a copy of this Agreement 1S. OTHER CHARGES: | understand and agree that | will be responsitda to pay shop payment, receipt copy fees according to the fea schedule, located on our website af wew.dicu.com or you can obtain a copy from any employee of the Credit Union. 20, LATE FEE: The late fee if $25.00 of the minimum payment due, whichever ig less and it will be changed whenever any payment is mot paid within § days of its scheduled due date. 2). OWNERSHIP OF CARDS: Any Card of other credit instrument or device which we supply to you and the intonation ‘contained therein is our propery and must be retard Io us, OF bo any person whom we dulhorine 60 acl as Gist gem, oF bo any person whe is authorged to honor the Cand, inumecdiately according 10 cer instnactions. The Card May be repossessed at. any tima in our sole discretion without any demand of notice. 22, ACCEPTANCE OF TERMS: Use of the card equals agreement a these lems and agreement, YOUR BILLING RIGHTS Keep this notice for feture use This nohee contains inporkain’ mlormation aboul your rights and cur responsibilities under ihe Fair Creda Baling Act. Notity Us in Case of Errore of Questions About Your Bill IP you think your bill is wrong, orf you need more infonmation about a transaction on your bil, write ws on a saparate ‘Sheet af the address listed on your.bill, Write to us. as 000 as possible. We must hear tram you no later than 60 days afer we sant you the first bal on which the error or problem appeared. You can telephone us, but doing oo will not preserva your rights. In-your letter. give us the folowing information: = Your name and account number * The dollar amount of the suspected error, Describe the enror.and amplain, if you can, why you believe there if an error, * [ft you need more information, describe the tem you are not sure about. Saf Lake City, UT 84148 W you have authorized us to pay your credit card bill automaticaly from your savings or share draft account, you can Shop The payment on any amownl you think is wrong, To stop the payment your letter must reach us thee business days before ihe automatic payment is scheduled to octet, Your Rights and Quer Responsibilities Alter We Receive your Written Notice We mus! acknowledge your beter within 30 days, unless we have conected he error by then. Within 0 days, wed res either connect the error or explain why we believe the Dill was coerect. Alter we receive your letter, we cannot try to collect any amount you question, of report you as delinquent. We can Continue fo bil you for the amount you question, including finance changes, and we can apply any ecpald amount against your creda fief. You do nel have fo pay deny questioned amount while we are investigating, bul you are still obfigated to pay the parts of your bell that aa ned in question. A we find that we made a mistake on your bill, you will mol have to pay any finance charges related to any questioned amount Hwa didn't make a mistake, you may have to pay finance changes, and you will have to make up any messed payments: on the questioned amount. In either case, we will send you a statement of the anvount you owe and the date that itis due. Byou fall to pay fee amount that we think yoo owe, wt may report you as delinquent, Howewer, if our explanabon does fool salisty you and) you write to: ies within ten ckays being ue rad you Hil nefese bo pay, we must bell anyone vee report you to that you have a question about your bill, And, we must fell you the name of anyone we reported you to. We must tall anyone ee reporl you bo that the matter has been settled between us when it finally ts. Special Rule for Credit Card Purchases A you havea problem with the quality of property or services that you purchased with a cred cand. and you have tried in. good faith to connect the problem with the manchant, you may bave the right to discadte that Hem, You must submia Fequest to the credit wenon in writg no laler than 60) days frown the date the transaction poised 10 your account, Visa Card with Rewards Program Reles: To redtem points alter reading program rules. please refer to wen dtcu.com i. Yeu earn 1 point for every 1 dollar worth of net perchases appearing on your statement during the program period, “Wat purchases” means the purchase of goods or services made by you and your authorized user(s) with your Desernt First Credit Union participating cand, less credits and plus or minus any adjestments. 2 Gash advances (including balance transters), certain Quasi-Cash transactions, account funding transactions, person-lo-person card payments, linance charges, late payment tees, over-limit fees. annwal tees, insurance charges, returned check fees, bounced payment check fees, and related services changes are NOT eligible bransactions for poing accrual 3. The macimum umber of points that can be accrued each month is 110,000. Al poants have a 36-month expiration period Award requests must ba made prior to point expiration dates. 4. The awards program is being presented with mo mopress-or Implied warranty or condition. Im particular, there are feo EXNeSS or implied warranties including merchan| abdity and fitness fara particular purpose not specilied herein respecting this agreement. 5 Reasonable steps will be taken to prevant the itroduction of viruses or other destructive materials to Web sites associated with this program. However, wa dont wanrant, quatanted, or make any represintabons that sites wall be bree of destructive materials of thal the sites will be uninterrupted of eror-tree, We assure mo respensability tor any loss oF damage caused by your access or inability to eccess sites & = Program award statements will be awailabie on a monthly basis at wow.diou.com. Statements will nosmaily rellect the adjusted qumber of points earned, based on previous balance. nat purchases, and deductions due ta Pedempbicen mecbivity: 7 Aevand points can be redeemed for cash or credit but may not be used in conjunction with promotions or discownts offered outside of thes program, We may also limit transterability between accounts and incorporation wilh other inglitulion peograns of oMerings. 6. Wour account must be in good standing (12. not definguent, closed, or olhenwee not useable for charges) bo redeem awards points. We reserve the night to terminate of suspend your Standing in ihe program or dadwct points from your accumulated total if acoount is nod in good stamding, Ths program may be changed or bermminated at any fine wilhoel notice, restriction or penalty. A specified time frame for redemption of existing poants will be given all the time thal notice of program tenmination is. giver. 10. You are responsible for any federal. state or local income, sales, use or other tams or gratuities. 11. Errorsin publication of avands materials may occur. We neseree the right to correct ¢erors af ay time, 12, Vou agree to fold the awards provider and Deseret First Credit Union Rarmiess if the provider of merchandise or services files for bandrupecy or otherwise goes out of business atter you have used your points, but before you use the fem or service. You acoept all farms and conditions im these program nules and release and hold the awards program provider and Deseret First Credit Union harmiass trom any claim, tability, or damage netaling to this program or use of any program Hem you receive. 15. Using your cand following receipt of these rules constitutes agreement to these rules on your behalt. 16, hes peogean 6s void when: prohibited bry baw, Travel Award ales 1. Air travel and travel-related services must be requested through our senice center by calling (877) $00-1450. Travel reservations and ticketing must be made at least 21 days prior to deparbore and a Saturday night stay is required. Acteal bravel must lake place wilhin 230 days after the reservation & made. Minimum oF maxamnurn $2278 may apply to certain fare categories. A maximum of feo connections are permitted in each direction of travel within the 48 contiguous states, Al aiding tickets issued in exchange lor award points ant non-refundable and man- changeable afer tickel issuance. Lost, stolen, or otherwise destroyed airline tickets or other Iravel certificates will not be honored of replaced. Reservations shall aloo be subject to airline seat availability on travel dates apecilied by the candholder. Additional travel restrictions may apply al the discretion of Daseret First Gradit Linton. 2 Agund trip tickets require travel on major US-based carriers. Travel matt be round trip beteveen the same two destination airports. 3. hntennational dastinations are subject to change wpon sity (60) days advance notice. International destinations are limited to select cities. 4. Alhowgh every effort will be made to accamenodale your specific airline request, ihe ieards program is based on the travel service center's final righ to choose the airline and roeting on which to reserve and ticket, § Hote! and car rental certilicatas are subject to availabilty within participating locations and are subject to change. Seasonal limitations may apply, Rental car certificates don’t imcluda: fuel, tars, or optional coverage. Aenter mast meet standard age, driver, amd credit requirements. 6 Tickets: will be issued as e-tickets, either through @-mail or first class US. Mad. Paper tickets or expedited delivery are subject to additional delivery charges 7. You are responsible for Federally ienposed aivting security tees and must pay them by cred caed at the time of the reservathan booking Gift Corttficate Award Rules 1 Points cin be used to order a Gift Certilicats Award. A Gift Certificate Award can be exchanged for manchandige (48 staies in USA only) andor a gitt cerlificate throwgh 1 B00 Gift Certiticate (20043-8237) on by visiting wow S00giMcertificate.com. Your Gift Certificate Award will be delivered either by E-mail within 72 hours, or first chahs U.S. mail (50 states in USA only) within two to theee weeks, Gel Cerificate Awards requested outside the WGA wil Be fullilied through e-mail 2 Gif Certificate Awards exper one year trom issue date. Expired, lost or stolen Gitt Cartificata Avends cannot be replaced. Gift Certificate Awants isseed in exchange for points cannol be retumed, changed or exchanged. Fleistned Git Dertiticals Awards will be sutgact to a service fee, 3. Linified denominations are availatia for Intemational Gift Certticata Awards, international Git Certificate Awards are issued in the applicable currency. Please refer to 1 800 Gilt Certificate’s rules gowerning Gif Certificate Award redemption and merchandise shipgang restrictions. Questions regarding GIA Certificale Award redamplion options, gilts and gift certificates should be directed io 1 800 Gift Certificate (Soy 443-8237).