THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any otheraccount that would lose special tax treatment under state or federal law ifgiven are not subject to this security interest.If you have other loans with us, collateral securing such loans will alsosecure your obligations under this Agreement, unless that other collateral isyour principal residence or non-purchase money household goods.6. Joint Accounts. Each of you will be responsible, jointly and severally, forthe repayment of amounts owed, regardless of who initiated any transactionunder the account.7. Others Using Your Account. If you allow anyone else to use your account,you will be liable for all credit extended to such persons. You promise to payfor all purchases and advances made by anyone you authorize to use youraccount, whether or not you notify us that he or she will be using it. If someoneelse is authorized to use your account and you want to end that erson'sprivilege, you must notify us in writing, and if he or she has a Card, you mustreturn that Card with your written notice for it to be effective.8. Ownership of Card. Your Card remains our property and may be cancelledby us at any time without notice. You agree to surrender your Card and todiscontinue use of the account immediately upon our request.9. Interest Charges. You agree to pay interest at the rate(s) disclosed to youat the time you open your account and as may be changed from time to time inaccordance with applicable law. Average Daily Balance including newtransactions: Interest Charges will accrue on your average daily balanceoutstanding during the month. To get the average daily balance, we take thebeginning balance each day, add any new purchases, cash advances, balancetransfers or other advances, and subtract any payments, unpaid interestcharges, and unpaid late charges. This gives us the daily balance. Then, weadd up all the daily balances for the billing cycle and divide that by the numberof days in the billing cycle. We then multiply that by the periodic ratecorresponding to the Annual Percentage Rate on your account. If you havedifferent rates for purchases, cash advances or balance transfers, separateaverage daily balances for each will be calculated and the appropriate periodicrate is then applied to each.Grace Period on Purchases Only: You can avoid Interest Charges onpurchases by paying the full amount of the new balance for purchases eachmonth by the date on which the payment is due. therwise, the new balance ofyour account, and subsequent advances from the date they are posted to theaccount, will be subject to an Interest Charge. You cannot avoid InterestCharges on cash advances and balance transfers; even if you pay the entirecash advance balance or balance transfer balance by the payment due date,you will incur the Interest Charges accrued from the date the cash advance orbalance transfer is posted to your account.10. Fees. In addition to the Interest Charges set forth above, you agree to alsopay any and all fees that you incur as disclosed to you on your Truth-in-Lending Statement or similar disclosures (as may be amended from time totime), or as disclosed to you during the term of your Card.11. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. Youagree to notify us immediately if your Card is ever lost or stolen or if anunauthorized use may have occurred. "Unauthorized use" means the use ofthe Card by someone other than you who does not have actual, implied orapparent authority for such use, and from which you receive no benefit. Thetelephone number to call is (800) 449-7728. You agree to follow up your callwith notice in writing to us at: P.O. Box 727, Goshen, IN 46527-0727. You alsoagree to assist us in determining the facts, circumstances and other pertinentinformation relating to any loss, theft or possible unauthorized use of yourCard and comply with such procedures as we may require in connection withour investigation. You will have no liability for MasterCard transactions notauthorized by you, provided that you have exercised reasonable care insafeguarding the Card from risk of loss or theft, and upon becoming aware ofsuch loss or theft, you promptly report the loss or theft to us.12. Minimum Payment Due; Crediting of Payments. We will mail you a statement or provide one to you electronically via e-mail in any month in whichthe Card has a debit or credit balance in excess of $1.00. Every month youmust pay at least the Minimum Payment within 25 days of your statementclosing date. You may, of course, pay more frequently, pay more than theMinimum Payment, or pay the Total New Balance in full, and you will reducethe FINANCE CHARGE by doing so. The Minimum Payment will be either (a)2% of your Total New Balance, or $25.00, whichever is greater, or (b) yourTotal New Balance if it is less than $25.00 plus (c) any portion of the MinimumPayment(s) shown on prior statement(s) which remains unpaid. In addition, atany time your Total New Balance exceeds your Credit Line, you mustimmediately pay the excess upon demand. We will apply your minimumpayments first to any fees; then to any credit insurance charges; then to anyIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOUAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.
page 1 of 3 9011 LASER FPDF FI1000724 2-2019 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.1. Using Your Card. You can purchase or lease goods and services from anymerchant who honors your Card, and you may obtain cash advances fromfinancial institutions and ATM machines that accept the Card, up to yourmaximum credit limit. You agree not to present your Card or obtain a cashadvance for any extension of credit in excess of your available credit limit;however, if you do exceed your credit limit, you agree to make immediatepayment sufficient to bring the balance below the credit limit. Certainpurchases and cash advances require authorization prior to completion of thetransaction. In some cases, you may be asked to provide identification. If oursystem is not working, we may not be able to authorize a transaction, eventhough you have sufficient credit available. Also, for security reasons, we mayblock the use of your Card in certain countries or geographic areas. We willhave no liability to you or others if any of these events occur. Each of theundersigned applicants certifies under the pains and penalties of perjury thathe/she is at least eighteen (18) years of age, has read the foregoingAgreement, and jointly and severally agrees to abide by the foregoing termsand provisions.2. Personal Identification Number (PIN). We may issue a PersonalIdentification Number (PIN) for use with your Card. This PIN is confidentialand should not be disclosed to anyone. You may use your PIN and your Cardto access your account, and all sums advanced will be added to your accountbalance. In the event a use of your PIN constitutes an Electronic FundsTransfer, the terms and conditions of your Electronic Funds TransferAgreement may affect your rights.3. Authorized Users. Authorized users have no financial responsibility for thisaccount. You are responsible for all charges made by any appointedauthorized user(s). Authorized user(s) will have access to account information,however, they will not have the same rights or privileges as you. Authorizedusers may not: (a) add, edit, or remove account signers; (b) makeamendments or changes to the credit card account, including, but not limitedto, closing the account or making changes to credit limits; (c) request new orreplacement cards, PINs, or statements; or (d) request balance transfers.Authorized user(s) agree that we may report this account to the credit bureauson their behalf.4. Promise To Pay. You promise to pay us in U.S. dollars for (a) allpurchases, cash advances, and balance transfers made by you or anyonewhom you authorize to use the Card; (b) all Interest Charges and all othercharges or fees; (c) collection costs and attorney's fees as permitted byapplicable law, and any costs incurred in the recovery of the Card; and (d)credit in excess of your credit limit that we may extend to you.5. Illegal Transactions. You agree that your Card and account will not beused to make or facilitate any illegal transactions as determined by applicablelaw; and that any such use will constitute an event of default under thisAgreement. We may decline any transaction that we believe to be illegalunder applicable law, including but not limited to any transaction involving orrelating to any gambling activity. You agree that we will have no liability orresponsibility for any such use by you or any authorized user(s); or fordeclining any such transaction. You further agree to indemnify and hold usharmless from any suits, liability, damages or adverse action of any kind thatresults directly or indirectly from such illegal use. You promise to pay us anyand all amounts owing on your Card for any transactions made by you, even ifthe transaction is determined to be illegal.
Interra Credit Union
PO Box 727Goshen, IN 46527-0727574-534-2506   �   888-432-2848FAX 574-534-0768www.interracu.comCREDIT CARD AGREEMENT FINANCE CHARGES; then to previously billed cash advances; then topreviously billed purchases; then to new cash advances; and then to newpurchases. Payment amounts, over or above the required minimum payment,will be applied to the balances with the highest annual percentage rate.13. Default; Acceleration; Credit Suspension; Collection Costs. You willbe in default if: (1) you fail to make any payment on time; (2) if you fail to keepany promises you have made under this Agreement or under otherAgreements you have with us; (3) if you die; (4) if you file a petition inbankruptcy or have a bankruptcy petition filed against you, or if you becomeinvolved in any insolvency, receivership or custodial proceeding; (5) if anyoneattempts to take any of your funds held by us via legal process or if you havea judgment or tax lien filed against you; (6) if you make any false, inaccurate,or misleading statements in any credit application or credit update; or (7) ifwe, in good faith, believe that your ability to repay what you owe is or soonwill be impaired or that you are unwilling to make your payments.If you are in default, we have the right to demand immediate payment of yourfull account balance without giving you notice. If immediate payment isdemanded, you agree to continue paying interest charges and fees until whatyou owe has been paid, and any shares that were given as security for youraccount may be applied towards what you owe. You agree to pay allreasonable costs of collection, including court costs and attorney's fees, andany costs incurred in the recovery of the Card, subject to applicable law. Evenif your unpaid balance is less than your credit limit, you will have no creditavailable during any time that any aspect of your account is in default.14. Suspension of electronic services and access to share or depositaccounts. Subject to applicable law, we may suspend some or all electronicservices and access to your checking or other account(s) if you becomedelinquent on any of your credit card or deposit obligations to us or you causea loss to us. We shall not be liable to you in any regard in connection withsuch suspension of services.15. Additional Benefits/Card Enhancements. We may from time to timeoffer additional services to your Account at no additional cost to you. Youunderstand that we are not obligated to offer such services and may withdrawor change them at any time.16. Convenience Checks. We may, at our discretion, issue checks to youwhich may be used for any purpose other than making a payment for credit toyour account. By signing such check, you authorize us to pay the item for theamount indicated and post such amount as a cash advance to your account.We do not have to pay any item which would cause the outstanding balancein your account to exceed your credit limit.17. Credit Information. We may from time to time request personalinformation from you or obtain credit reports from the credit reportingagencies for the purpose of updating your credit status. Your failure to providesuch information when requested by us may result in suspension of creditprivileges under this Agreement, including your ability to obtain any futureadvances by any means. You authorize us to investigate your credit standingwhen opening or reviewing your account. You authorize us to discloseinformation regarding your account to credit bureaus and creditors whoinquire about your credit standing.18. Foreign Transactions; Currency Conversion. Purchases and cashadvances made in foreign currencies will be billed to you in U.S. dollars. Theconversion rate in dollars will be a rate selected by the card company from arange of rates available in wholesale currency markets for the applicablecentral processing date, which rate may vary from the rate the card companyitself receives, or the government-mandated rate in effect for the applicablecentral processing date in each instance. All transactions processed outsideof the United States (which may include internet transactions) will be chargeda foreign transaction fee in the amount disclosed on your Truth-in-LendingStatement (as amended from time to time).19. Termination; Change-in-Terms. We may, by written notice, terminate thisAgreement at any time, subject to applicable law. You may terminate thisAgreement by written notice. Termination by either party shall not affect yourobligation to repay any balance on your account resulting from use of theCard as well as Interest Charges and fees incurred. We may change theterms of this Agreement, including the method of calculating the periodic rate,at any time, by written notice, subject to applicable law. Use of the Cardconstitutes agreement and acceptance of any change in terms, unlessapplicable law requires otherwise. Our failure to exercise any of our rights orto take any action shall not constitute a waiver of those rights, or anamendment or change in any of the terms of this Agreement.20. Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial payments orprepayments will not delay your next scheduled payment you will still need tomake the minimum scheduled payment by the next scheduled due date tokeep your account current. We may accept late payments, partial payments,checks or money orders marked "payment in full" and such action shall notconstitute final settlement of your account or a waiver or forgiveness of anyamounts owing under this Agreement.21. Enforcement. We do not lose our rights under this or any relatedagreement if we delay enforcing them. If any provision of this or any relatedagreement is determined to be unenforceable or invalid, all other provisionsremain in full force and effect.22. Returns and Adjustments. Merchants and others who honor the Cardmay give credit for returns or adjustments, and they will do so by submitting acredit slip which will be posted to your account. If your credits and paymentsexceed what you owe us, the amount will be applied against future purchasesand cash advances. If the credit balance amount is $1 or more, it will berefunded upon your written or verbal request or automatically after 6 months.23. Plan Merchant Disputes. We are not responsible for the refusal of anyplan merchant or financial institution to honor your Card. Also, we are notesponsible for goods or services that you purchase with the Card unless: (a)your purchase was made in response to an advertisement we sent orparticipated in sending you; or (b) your purchase cost more than $50 and wasmade from a plan merchant in your state or within 100 miles of your home;and only if you have made a good faith attempt, but have been unable toobtain satisfaction from the plan merchant. You must resolve all otherdisputes directly with the plan merchant. We do not warrant any merchandiseor services purchased by you with the Card.24. Statements and Notices. Statements and notices will be mailed to you atthe most recent postal address or e-mail address (if you have elected toreceive such documents via electronic means) you have given us. Notice sentto any one of you will be considered notice to all.25. Notification of Address Change. You will notify us promptly if you change your address for any reason. In order to prevent identity theft, youridentity may need to be verified before we act upon the notification. TheCredit Union may revoke your card and terminate this Agreement if yourelocate to another state. We can revoke your Card if you move to a statewhere the Credit Union must be registered.26. Copy Received. You acknowledge that you have received a copy of thisAgreement.27. Governing Law. This Agreement shall be construed under federal lawand state law in the state in which we are primarily located, and the venueshall be located in the county and state in which we are primarily located.Operating regulations of MasterCard may also apply. This Agreement is thecontract that applies to all transactions even though the sales, cash advance,convenience check, credit or other slips you sign or receive may containdifferent terms.28. NOTICE TO UTAH BORROWERS: This written agreement is a finalexpression of the agreement between you and the Credit Union. This writtenagreement may not be contradicted by evidence of any oral agreement.29. Debt Protection. If you elect debt protection offered by the Credit Union,then the charges will be added to your account balance each billing cycle.Debt protection offered by the Credit Union is voluntary and is not required toobtain a credit card account with us. You have the right to terminate debtprotection offered by the Credit Union at any time by notifying us in writing.30. Rewards, Incentives, Promotions.  The Credit Union reserves the right to terminate the programs or portions thereof at any time without restriction orpenalty. This means that regardless of your level of activity in the program, theability to accumulate points or claim rewards can be terminated with orwithout prior notice. The redemption value of points already accumulated,may be changed at any time without notice and without restriction or penalty.The Credit Union also reserves the right to cancel any cardholders priorearned points, rewards, cash/merchandise back or any other item of value ifyou are in default as stated in the Default; Acceleration; Credit Suspension;Collection Costs paragraph above. Awards are not available when acardholder is in default under the credit card agreement. Any points or awardsare earned only with purchases. Cash advance transactions are not eligibletowards earning points or any award/reward.31. Correction of Errors and Omissions. You agree to fully cooperate incorrecting any errors in the Application or Agreement that we request withinthe first 30 days after the account is opened, if we believe such correctionsare necessary or desirable. We will bear all costs of preparing any documentsnecessary for such corrections.
page 2 of 3IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOUAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.
9011 LASER FPDF FI1000724 2-2019 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
page 3 of 3IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the MilitaryLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�), and (a) your loan is unsecured or secured by personal property or a vehiclethat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolvingline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).1.
NOTICE:  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protectionfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees forspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receivethis notice verbally, please call 1-888-432-2848 during our normal business hours: 8:30 am - 5:00 pm EST M-F and Saturday 8:30 am - 12:00 pm EST.This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connectionwith this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralizationprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subjectto the Military Lending Act.However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply thesums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.2.
Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) towaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice fromyou in order to exercise your legal rights; or (d) Prepayment penalties.3.4.Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory tothese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other termsand conditions of the consumer credit contract shall remain in full force and effect.
This notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at the address(es)listed on your statement.In your letter, give us the following information:After we finish our investigation, one of two things will happen:
1.2.3.If we made a mistake: You will not have to pay the amount in question orany interest or other fees related to that amount.If we do not believe there was a mistake: You will have to pay the amountin question, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We maythen report you as delinquent if you do not pay the amount we think youowe.��Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe iswrong and why you believe it is a mistake.If you receive our explanation but still believe your bill is wrong, you must writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true: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, ifyou want to stop payment on the amount you think is wrong.��You must notify us of any potential errors in writing. You may call us, but if youdo, we are not required to investigate any potential errors and you may haveto pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within 30 days of receiving your letter, we must tell you that we receivedyour 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 orexplain to you why we believe the bill is correct.1.2. The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses yourcredit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.����We cannot try to collect the amount in question, or report you asdelinquent on that amount.The charge in question may remain on your statement, and we maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are responsiblefor the remainder of your balance.We can apply any unpaid amount against your credit limit.While we investigate whether or not there has been an error:
If all of the criteria above are met and you are still dissatisfied with thepurchase, contact us in writing at the address(es) listed on your statement.While we investigate, the same rules apply to the disputed amount asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.
9011 LASER FPDF FI1000724 2-2019 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.