In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit CardAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreementand is part of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each and all of those whoagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions theCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "CreditUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfersthis Agreement.1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you.You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "othercharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union willnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances thatexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, orelectronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your rightto opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt into such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by amethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make anadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtaincash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on youraccount. Convenience checks may not be used to make a payment on your account balance. If you use a conveniencecheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience checkdrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any feeimposed to stop a payment on a convenience check issued on your account. You may make a stop payment requestorally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of thecheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accuratelydescribe the check including the exact account number, the payee, any check number that may be applicable, and theexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order berenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying acheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with thepayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in anylegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees,damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a resultof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.2. USING YOUR CARD — You understand that the use of your credit card or credit card account will constituteacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account OpeningDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish topay for goods or services over the Internet, you may be required to provide card number security information before youwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from otherfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept yourcard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree thatyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you useyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with thetransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchaseinstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to youraccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall notbe interpreted as permitting or authorizing any transaction that is illegal.3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use ofconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. Youalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights ReservedDVAOT1 (MXC501 CCM002)-eCONSUMER CREDIT CARD AGREEMENTanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS alsoapplies to your account.4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers aredisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make apayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant toapplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged onpurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosureaccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductorydiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If anIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosureaccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase tothe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance chargefor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire newbalance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance chargewill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance ofpurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. Afinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of thebilling cycle in which the cash advance is posted to your account, whichever is later (transaction date). To avoid anadditional finance charge on the balance of cash advances, you must pay the entire new balance on the billing statementby the payment due date of that statement.The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge iscomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balanceof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtractany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances ofpurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us theaverage daily balance of purchases. Balance transfers are calculated in the same manner as purchases.For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cashadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cashadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cashadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cashadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us theaverage daily balance of cash advances.6. FOREIGN TRANSACTIONS —Visa. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. Theexchange rate between the transaction currency and the billing currency used for processing international transactions isa rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processingdate, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicablecentral processing date. The exchange rate used on the processing date may differ from the rate that would have beenused on the purchase date or cardholder statement posting date.A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, includingpurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposedon all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreigntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, withthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee isset forth on the Disclosure accompanying this Agreement.MasterCard. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars.The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandatedexchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particulartransaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed. This ratemay differ from the rate applicable on the date the transaction occurred or was posted to your account.A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’scountry code differs from the merchant’s country code. A fee (finance charge) will be charged on all transactionscompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosureaccompanying this Agreement.DVAOT1 (MXC501 CCM002)-e7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable toyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Youraccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance ofyour card. Each year following, the annual fee will be charged to your account during the same month that you were firstcharged the fee. The fee will be charged each year until your account is closed and paid in full.b. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), thefee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer abalance from an account of another creditor to the account subject to this Agreement.c. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the feewill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financialinstitution.d. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (financecharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.e. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account whenyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date setforth on the Disclosure accompanying this Agreement.f. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to youraccount when a payment is returned for any reason.g. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will becharged to your account when a convenience check is returned for any reason.h. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law andwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to youraccount for each copy of a sales draft or statement that you request.i. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to youraccount for each rush card that you request, providing delivery of the card is also available by standard mail service,without paying a fee for delivery.j. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for eachreplacement card that is issued to you for any reason.8. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the datespecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total newbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment eachmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total newbalance, or $15.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, alloutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on thestatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over yourcredit limit.9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the CreditUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess ofthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with thehighest annual percentage rate and any remaining portion to the other balances in descending order based on applicableannual percentage rate.10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code andunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union aspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You maynot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to releaseall or part of the pledged amount.DVAOT1 (MXC501 CCM002)-eCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will neverbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.11. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the datethat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if youdie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be inYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,except for shares in an Individual Retirement Account or in any other account that would lose special taxtreatment under state or federal law if given as security. These other shares may be withdrawn unless you arein default under this agreement. You authorize the Credit Union to apply the balance in your individual or jointshare accounts to pay any amounts due on your Account if you should default.default if you make any false or misleading statements in any credit application or credit update. You will also be in defaultif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.When you are in default, the Credit Union has the right to demand immediate payment of your full account balancewithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at theperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security foryour account may be applied towards what you owe.12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION —Visa. You agree to notify us immediately, orally or in writing, at PO Box 182477, Columbus, OH 43272-4935 or telephone(866) 217-1039 and/or (571) 325-3372 (International) seven days a week, 24 hours a day, of the loss, theft, orunauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liablefor unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have noliability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of yourcard. In any case, your liability will not exceed $50.00.MasterCard. You agree to notify us immediately, orally or in writing, at or telephone PO Box 182477, Columbus, OH43272-4935 or telephone (866) 217-1039 and/or (571) 325-3372 (International) seven days a week, 24 hours a day, of theloss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You willnot be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However,if you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theftpromptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability willnot exceed $50.00.13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the termsof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance withapplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing accountbalance as well as to future transactions.Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union willnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subjectto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactionsmade to your account after termination, unless the transactions were unauthorized.The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the CreditUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a jointaccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards forauthorized users that you designate. You must notify us in writing of any termination of an authorized user's right toaccess your account. Your letter must include the name of the authorized user and your account number and/or anysubaccount number issued to the authorized user along with the authorized user's card and any convenience or otheraccess checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if yourequest your account to be closed, we will close your account and you may apply for a new account.15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your creditstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding youraccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergencycash and/or emergency card replacement services, and you request such services, you agree that we may providepersonal information about you and your account that is necessary to provide you with the requested service(s).16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns oradjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If yourcredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases andcash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request orautomatically after six (6) months.17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additionalservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the CreditUnion is not obligated to offer such services and may withdraw or change them at any time.18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institutionto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods orservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfactionfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Unionsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within100 miles of your home.DVAOT1 (MXC501 CCM002)-e19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying allamounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repaythe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advancesindividually. Any one of you may terminate the account and the termination will be effective as to all of you.20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account eventhough the sales, cash advances, credit or other slips you sign or receive may contain different terms.21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.22. STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriateaddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of theterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of anyalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, allother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possibleunder this Agreement.24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.25. GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gamblingtransaction.26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates forpurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of theconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account aresubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the PenaltyRate.27. VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary PaymentProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us toadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At ouroption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determinethe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required byapplicable law.28. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you andthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.29. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ONTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWERDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.DVAOT1 (MXC501 CCM002)-eDVAOT1 (MXC501 CCM002)-eWhile 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 PurchasesIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.To use this right, all of the following must be true:1. 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.)2. 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.3. 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 the address listed on your statement.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.1. 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.2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. Your Billing Rights: Keep this Document for Future UseThis 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 StatementIf you think there is an error on your statement, write to us at the address listed on your statement.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 LetterWhen we receive your letter, we must do two things: