N= H DESERET FIRST P.O. Box 45046 « Salt Lake City, Utah 84145 » (801) 456-7000 Visa Business Platinum and Platinum Rewards Credit Card Disclosure Interest Rate and Interest Charges Type of Card Business Platinum Business Platinum Rewards Prime + 6.0% -18.00%* | Prime + 8.0% -18.00%* “APR will be mailed to you upon the approval of your application. Prime + 6.0% -18.00%* | Prime + 8.0% -18.00%* Prime + 6.0% -18.00%* | Prime + 8.0% -18.00%* Prime + 6.0% -18.00%* | Prime + 8.0% -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   Setup and maintenance fees: Business Platinum Business Platinum Rewards           * Annual Fee None None *« Set Up Fee None None * Additional Card Fee None None Transaction Fees: * Balance Transfer None None   « Cash Advance 1.5% of advance 1 5% of advance   * Foreign Transaction 1% of purchase 1% of purchase   Penalty Fees:   * Late Payment $25.00 of minimum payment due, whichever is less. $25.00 or minimum payment due, whichever is less.   « Returned payment $25.00 $25.00     * Over the credit limit None       None   How we will calculate your daily balance: Balance is calculated by taking the beginning balance of your account each day and subtracting any payments or credits (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. RESPONSIBILITY: If we iseye you a card, you agree fo repay all debts, changes and the FINANCE CHARGE arising from the use of the card and the card account. For example, you are responsible dor charges made by yourself your spouse and minor chikinen, Vou are also responsible for charges made by ayone ele to whom you give ihe: cand of eformation contained on the card, and this responsibility continues until the card is recowered of the account is coaed for new trangactions. You cannol dischim responsiieliby by notifying @s, but we will close the account for new transactions 4 you $0 request. and you return al cands. Your obligation Io pay ihe account balance Continues. even Ihough an agreement, divorce decree or other cowrt judgment to which we are mot & party may direct you or another person tp pay the account Any person using the cad is jointly and severely responsible with you for changes he or she makes. but if that person signs the card he or she becomes a2 party to this Agreement and is alsa jointly responsible for all charges on the account, including yours. reasonable precautions to keep your PIN separate from your Card and to prevent the unauthorized disclosure of your PIN. You acknowledge that if you pennil or authorize other persons to use your Gard and PIN, you will be Gable for the resulting transactions. Deseret First Credit Union will not ask Toe your PIN under any Gecumeélance CREDIT LOMIT: If yomr application is approved, the credet union will estabksh a credit lima tor you. The amon wall be based upon many factors, inchading your abiity bo pay amd your credit history. Your accoent wil be a revolving eroditancoent. This means thal you can borrow the full amount of ihe oredit lini, repay the principal, interest and oiher charges an full or in part and borrow 2gain ip io your made, 25 bong as pow Corlinue Io be creditwoetiry. The credit union has the right to tenminate the account without advance molice to the extent penmnitted by tw. We will notify you in writing of the reason for any such denial of credit. Among the reasons for refusing to advance you Credit ant: an adverse change in your credit standing seach a not malang cunent ican payments: a change in your FS LOST CARD NOTIFICATIONS It you believe the cand, the account number, the PIN or any combination of the three employment states: your ingohency; your RaAaruptoy, of your death, Your credit lined will be reviewed periodecaly has been bos! or stolen, you must immedeately notify the credit union af (B00) 455-7000 of 800-326-3928 oF and you May be requested tp provide current information. ‘Your credit lima may be increased or decreased at thal Intemational af 314-275-6650, time. You ‘will be notiied of any seach changes to your creda limit. You can apply for an increase in your onodit fine E! LEABILITY FOR UNAUTHORIZED USE: ‘You understand that your Bability to the credit union, or responsibility for avy time, os agree to rar Member” of the credit union by masciaanlog id ane regular saving raat i “a lance of mot less than $25.00 a5 long as you have a credit card, If your regular savings account balance should card transactions resulting trom the boss, thett of other unauthorized use of the cand, apoount number or FIN ar 7 525,00. . on ee future waters: { credit. T swoon orth u airy combination of iha three shail be subject tn applicable law es follows drop below . Ihe credit union may dectne future extension of credit. Termination by you or the credit union i aT " Goes not aMect your obligation to pay the account balance F i hy the ¢ i airy, t than 6) days meee i mg an - . Hamlyn bled carta Aad Alida mabe gana shri apeleai pido INTEREST RATE ADJUSTMENTS: The credit union may revitw your credit standing periodically and you may mentioned time period “ees 1S TES tesparisnpe rey sala , be requested to provide currend information. Your interest rate may be increased al that lime depending on, but enone Spar not limited fo, the following reasons: Adverse change in your credit standing such as noi making current loan be You mast notidy the creck union within 2: days of discovery of the Joss or theft of your cardish Rayments wath the credit union of other creditors; going over pour credit limit: payenents. are returned; a change nl your enploymeant sia8 MmeWeNcy: OF y i a nile ny your 4 USE OF PERSONAL IDENTIFICATION NUMBER (PIN|: ‘ou will hold in strict confidence yout PIM, You will tke GU Se prO Tan SRR, year AEE: OF VOUT GATT RACY. eal wl bey need OF any Sct Chars IO yOu miereast Fale.7, (GREDIT INFORMATION: You authorize us to investigate your credit Shinding when opening, renewing OF reviewing: your account, and you authorize ws to disclose information regarding jour account to credit bureaus. and other ireditors who inquire of us about your credit standing. 3.  MOWTHLY PAYMENT: We will mail you a ftatement every month showing your Previous Balances of purchases and Gish advances, the curren! transactions on jowr acequnt (whith include purchases, cash advances, other debits, payments and other cradits), the Tote! New Balance, the FINANCE CHARGE due io dats, the anused credit under your Creda Line. and the Minimum Payment required. Every month you must pay at beast the Minimum Payment within 25 days of your statement coding dale. You may, of coarse, pay more frequently, pay more ‘than the Miraenum Payment, of pay the Payolt Batanes in full, ‘You will redace the FINANCE CHARGE by doing 80. The Minimum Payment wil be either (a) 3%. of your Payolt Balance or $25.00, whichever is greater, or (b} your Payoll Bance, @ if ts less than $25.00 plus (¢) any portion of the Minimum Paymiant(s) shown on price Sivtement(s). which remain unpaid. In addition, af any lime your Total New Batinee exceeds your Credil Line, you must imenediaiely pay the acess upon our demand. We will apply your payments first to any late fees; lhen to ‘ihe FINANCE CHARGE on cash advances (accumulated and unpaid a6 of the date payment is applied): then to ihe FINANCE CHARGE on purchases (first to previously billed and unpaid and then to cenent billed and unpaid); then 10 the accumulated cash advance batance; and then to the balance of new purchases, whether or ot bilad on the month stalemant. The Credit Union shail credit your payment the same day if it is received prior the dose of business. Payments can be made in person at any of oar offices, by tlephons, By inkemet transfer or meiled 1p: Deseret First Credit Union PO. Boo 45046 Salt Lake City, UT #4145 9. FINANCE CHARGES AND OTHER CHARGES: You can avoid FINANCE CHARGE on purchases by paying the fall ammount of the “New Balance” of Parchases each month within 25 days of your statement closing date. Otherwise, ‘iho Mew Balance of Purchases and subsequent penchases trom the date they are posted (o your account will Exe ‘Subject to the FINANCE CHARGE. Cash advances are always subject to a FINANCE CHARGE fon the date they are posted to your account. FINANGE CHARGES are calculated using the Average daily balance method. The princepal ‘balances of purchases and cash advances are determined nach day during the statement period, beginning with ‘ihe principal portion of Previous Balinees, reduced by payments you make and credity thal are applied and increased by purchases and cash advances you make and adjustinenis we make during the statement period. The daily principal balanoas.are totaled and divided by the number of days in the statement period to produce saparabe average daily pringgal balances. for purchases and cash advances bo which the periodic. raid, set forth in the table is then applied. Other Charges ave set forth above, TO. DEFAULT: You will be in default if you fad to make the minimum Reqaied Payment within 25 days ater your monthhy statement chosing date. Ht your account is 10days delinquent. your cacd wil ba blocked wntil your account is current. H your aocoued is 60 days delinquent, your rate will be adjusted up 2% and your catd privileges will bee jenminated. Halter the rate adpesiment joa reeain current on your lean payments for a G-month period you may reapply to have your card privileges rainstated and interest rata reevaluated. You will aso be in defaeit if you are in default of any other boar or obaigation to the credit union, cause a loss to the credit union ardor if your ability tO repay us if maberally reduced By a change in your employment, an increase in your obligations, bankruptcy ‘of insolvency proceedings involving you, your death or your failure io abide by this agreement. i you detaum, the entire balance of this account shail become due and payable at the option of the Credit Union. Each party hereto Jurther agrees that If payment of thes aocoenl shall nol be made as herein provided, he shall pay the costs of ‘podection, including ail altonney tees and costs including all said tees and costs in bankruptey Gourl ov on appeal. The Credit Union can delay enforcing any of its nights under this agreement wilhout hosing them 11, USING THE GARD: To make a purchase or cash advance, two allemative procedures exist One is for you io present the catd to a participating VISA plan merchand, to us or bo another financial ingitulion, amd sign [fe Sales of cash advance dratt which will be imprinted with your card. The other is to complete the transaction by using your Personal Idant#ication Number (PIN) in conjumetion with the card in an Automated Teller Machine or ‘other type of electronic terminal that provides access to lhe VISA system. The monthly statement will idectity [hve merchant, electronic terminal or financial inghitulion at which brnsactions were made, Gul sales, cash advance, cradit of other ships cannot be returned weth tha stalement. ‘You will retain the copy of such slips furighed at ‘the fine of traesaction in onder to verity the monthly statement. The Credit Union may maken a reasonable change Tor photocopies of slips you may request, You understand and agree that neither your card nor any information bontained in or on the card may be used for any perchase or transaction deemed bo be M@egal under Utah or other applicable law. This includes bet bs not fiented bo, intarnel gambling. Use-of the cand acknowledges thal the Purchase or transaction is lawhal and subject io the barns of this agreement. 12, RETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give credit for retums or agjustments, and they wil do so by sending a credit. which we will post to your accent. OO MOT swbtrect a credit thai dogs mot appear on your statement {rom yoor New Balance as this may cause you bo recene a FANAMICE (CHARGE. If your credits and payments tneed your Gerent Balance, this will result ina “Creda Balance” on your Viea, 1a. FOREIGN TRANSACTIONS: Trangactions made in foreign countries will be baled bo you in US dolls. Conversion to US dollars is detonmined by a rata selected by Visa from a range ol rates available im wholesale curency markets for the applicable cectral processing dale, which rate may wiry [ror the tate Visa itseal receives. or the gavernment-mandated fata in effect tor the applizable central processing dale plus a 1 percent eumrency ‘conversion fae. The currency conversion fea will appear as a separate line on your statement for each transaction ‘completed ina foreayn country, 14. SECURITY INTEREST: In consideration for and as a conditeon of the credit union issuing a credit cand to you, yOu grant the credit union a SECURITY INTEREST in ail tunds and other assets of yours held by the credit union, incieding any assets, which may be pledged as collateral for another loan with the credit union. You also consent ‘io our orn fo olfget any account payment delinquency with tumés in any of your cred’ anion amounts without ecvance noice 1p you, This ban does nod restrict your right bo withdraw fumes prigr bo the emercise of the credit union's night and is nota pledge by you of your accounts. Amy mercise of the: right by the credit inion is mot an ection of remadies. Abie credit union's option, a specified amount on deposi in one of more of your creda union accounts may be pledged as security for rapayment of all amounts loaned to you under the tarms of this agreement. The amount pledged and the account will be shown on the separaie security agement. You cancval withdraw the {unde pledged fram the account as iong as the pledge is in elfect. M you delaull in your payments under the tens of his agreement, the credit union has the-right to apply the amount specsfically pledged to pay off this account in full or in pari. 15. PLAN MERCHANT DISPUTES: A plan merchant i a merchant thal accepts & Ver Gard as a form of payment for CORE ox gurvens . de are nod responsible for the retucal ol any plan menchand, vendor of financial inabeution to onor your card, 16. EFFECT OF AGREEMENT: This Agreement is the contract, which applies bo al transactions an your account even ‘ihowgh the sales, cash advance, creda or olher slips you sign or receive may contain different termes. We enay amend this Agreement (rom time to time by sending you the advance written notice required by law. Your use of ‘ihe card thereafter will indicate your agreement to the amendmeants. To the extent the baer parmiis. and we indicate in out nolo. anendments will apply to pour existing account balance as well as 10 tulad transactions. 17. FINAL EXPRESSION: This Agreement is the final expressign of the terms and conditions of this VISA line of credit betwean you and the Creda Union. This writtan Agreement may not be contradicied by evidence of any allaged oral agreement. 16, OOP RECEIVED: You achvowiedge receipt of a copy of this Agreement. 19 OTHER CHARGES: | wnderstand and agree that | will ba responsi to pay stop payment, receipt copy fees according to the fee schedula, locate on our website 21 eye, dicuucom or you can obtain a copy from any employes ‘of the Credit Union. 20. LATE FEE: The tale fee is $25.00 or the minimum payment due, whichever is 133 and it will be changed whenever any payment is not pald within 5 days of iis. scheduled due date. 21. OWNERSHIP OF CARDS: Any Cand. or other credit instrument or device which we supply to you and the information contained therein i our property amd mast be reburmed tous, or io any person whom we duthorize to act as our agent, of to any person wha is authorized to honor the Card, immediately according 19 our instructions. The Card may be repossessed at amy time in our sole discretion withow! any damand or notice, 22. ACCEPTANCE OF TERIMS: Use of ihe. card equals agreement to these lenms and agreement YOUR FILLING RIGHTS Keep this notice for future use This notice contains lenportant llormation about your rights and cur responsibilities under the Fair Credit Baling Act. Notity Us in Cage of Errors of Questions About Your Bill IPyou think your bill is wrong, or id you need more inéonmation about a transaction on your bil, write es on a saparate: sitet a the address listed on your Bill, Write fo us a5 $000 a possible, We must hear fram you no later than 60 days afer we sent you the first bal on which the enor or problem appeared. You can telephone us, but doing so vill not preserve your rights. In your letter, give us ‘the following information: * Your name and agoount umber = The dollar amount of the suspected ero. Describe the enor and amplain. if you can. why you believe there dé an error, *  {fyou need more information, describe the tem you are not sure about. Mail Letsers tov Geserat First Credit Union Attn: Electronic Services PO Box 45046 Sail Lake City, UT 84145 Of you have authorized us to pay your credit cand bill automatically inom your savings or share draft account, you can stop the payment on any amount you think is wrong, To stop the payment your latter must react us three business days before the automatic payment is schedeled bo donut, ‘Your Rights and Que Responsibilities After We Receive your Written Notice We must acknowledge your beter within 30 days, unless we have conected the error by then. Within 90 days, we must either correct the ene of explain why we believe the bill was correct Alter we receive your letter, we canned try to collect any amount you question, o¢ report you as delingwent. We can continue to bill you for the amownt you question, including finance changes, and we can apoly any unpaid amount against your creda limit. You do mot have to pay amy questioned amount while we are investigating, but you ane still obligated ta Paly the gewts: cif youn ball that ane not in question. Of we find thal we made a mistake on row bill, you will mei have-to pay any finance charges related to any questioned amount If wa didn't make a mistake, you may have to pay finance changes, and you will have to make up any missed Payments on the questioned amount. In either case, ae will send you a statongn of thy amount you Owe and Bhe date Oat it is dive A you dal to pay the amount that we think yoo owe, we may report you 2 delinquent. However, If our asplanaien does fol salisty you and you write to es within ten days telling us that you Stil refese to pay, we must bell anyone we report you to that you hawe a question abou! your bill, And, ve must tell you Rhe name of anyorme we reported you Io. We must tell anyone we repent you bo that the matter has been settied between es when it finally bs. Special Aube for Credit Card Purchases B you have a peoblen with the quality of property of services thal you purchased with a credé cand. and you have tried in good taigh ta conrect the problem with fhe merchand, you may Pave the right to dispute that fem, You must submit a request to the creda union in writing no later than 60 days {rom the date the iransaction posted to your accownt. Visa Business Card with Rewards Program Aeles: To redeem points afler reading program rules please refer to yeevedticy.com 1 You ean 1 point for every Tdollae worth of net purchases appearing on your statement during tha program period. “Wal purchases” means the purchase of goods or services made by you and your aulhorited users) wilh your Deseret First Credit Union partecipating card, lest credits and gihus or minus any adjusiments, 2 «Cash advances fimcluding balance transfers), certain Qyasiash transactions, accoun’ funding transactions, Person-lo-person cand payments, finance charges. late payment fees. overlimit fees. annual fees, insurance charges, rolumned check fees. bounced payment check tees, and related services changes ant: NOT eligible Eranseetions lor ppant aceral, 4 The maximum number of points that can be accrued each month is 10,000. All points havea 36-month expiratecn period. Award requests mast be made prior to poll expiration dates. 4 The: awards program is being presecied wilh no mmpress or implied warranty or condition. In particutar, there are fo express or imphed warranties including merchand ability and fiinass fora particular punpose nod specified herein respecting this agreement. §.  Aleasonable steps will be taken to prevent the: introduction of viruses or other destructive materials to Web sites asgociated with this program, However, we don'T warrant, Quananies, qf make any representations: that sites will be free of destnactive materials or thal the siles will b2 uninterrupted or error-free. We assume no responsibility for any toss. or damage caused by your access or inability to access siles. 6 Program award statements will be available on a monthly basis at ww. dite.com. Statements will normally reflect the edjusled oumber ol points earned, based on previous balance, net purchases, and deductions dua to r activity. 7. Award points can be redeemed for cash or credit bul may nol be weed in conjunction with promotions or discomnts offered quigide of the program, We meaty algo limit (rersterability bebveen accounts and incorporation with other ingtitution pregrans or offerings. & = Your account imest be im good standing (Le. not delinquent, closed. or otherwise nod useable for charges) to redeem awanks points. We niserve the righ] to terminate or suspend your standing in the program or dedwet points from your accumulated total account is mot in good standing, & This program may be changed or terminated at any time withowl notice, resiniction or penalty. A specttied time frame for redemption of existing points will be given af the time that notice of program tamination is given 10, You are responsible for any federal, state or local income, Sales, use or other lang of gealuities, 1. Errors.in peblication of awards. materials may occur, We reserve the mgnt fo correct errors ai any tine 12. You agree to hold the awards. provider and Deseret First Creda Union harmless. if the provider of merchandise of servings files for bankruptcy or otherwise goes oul of business alter you have used your points. bul belore yOu use the item or service. You accept all terms and conditions in Ihese program rules and release and hold the awards program provider and Deseret First Credit Union harméass from any claim. liability, or damage relating to this. program of use of any program item you recelve. 15, Using your card fobowing receipt of these rules conslitules agreement ip these: rules on your behall. 16. This program is wold where prohibeted by Law, Travel Award Agles 1, Air travel and (ravel-related services musl be requested linough our service center by caling (877) 909-1450, Travel reservations and ticketing must be made atleast 21 days prior to departure and a Saturday night stay ts required. Actsal travel must take plane within $30 days.atter the reservation & made. Minimum or maximum stays may apply to certain fare categories, A maximum of two connections ant parroitied in each direction of travel within the 48 contiguous States, Al airfing tickets issued in exchange lor award points are non-refundable and eon- changeable after ticket issuance. Lost, stolen, or otherwise destroyed aleline tickats ov other travel certificates will not be honored or maplaced. Reservations shall also be subject bo ailing seat availability on travel dales specilied by the cardholder, Agdilional travel restrichons may apply a4 the descretion of Deserel First Credit Union, 2 Round trip tickets require travel on major US-based caniars. Travel mest be round trip between the same two destination airports. E inlornational destinations. are subject 10 change upon sixty (00) days advance notice. International destinations are limited to select cities. 4.) Allhoegh every effort will be made to accomenodate your specific airlina request, the awards program is based on the travel service center's final right to choose the airine and routing on which bo reseres and ticket. 5. Motel and car rental certificates ane subject to availabilty within participating locations and are subject to change, Seasonal limitations may apply. Rental car ceriticates don't include fuel, tues, of optional coverage, Renter must meet standard age, driver, and credit requirements. &  Tichets will be issued a5 e-tickets, eather through e-mail or first class US. Mal. Paper tickets or expedited delivery aire sabject 10 additional deivery charges. 7 You ata responsible for Federally imposed airline security fees and must pay them by creditcard at the time of the reservation booking, Git Certificate Award Rules 1. Points can be osed to c¢der a Get Certificate Awaid. A Gitt Certificate Award can be exchanged for manchandesa (48 states in USA only) andor a git certificate throegh 1 800 GIR Certificate (BO0443-8237) of by visiting worn B00gi certificate com. Your Gift Certeficate Award will be delivered efther by E-mail within 72 howrs, or first clas US. mail (50 states in USA only) within two to three weeks. Gil Certificate Awants requested outside the USA will be fulfilled 1hrowgh e-mail, 2 Gh Certificate Awards export one year from issue date, Expired, Inst or stolen Gilt Cartificate Avands cannot be repliced. Gift Certificate Avands isseed in exchange for points cannot be retumed, changed or exchanged Reissued Gift Certificate Awards will ba subject to a service faa, 4. Limiled denominations are availadle for international Gift Gertticate Awards. internailonal Gift Certiticata Awards are Gaued in the applicable currency 4. Please refer 19 1 800 Gitt Certiticate’s rules governing GiM Certificate Award redemption and merchandise shippeng restrictions. Cieastions regarding GIR Certificate Award redemption options, gifts and gift certificates should be directed to 1 800 Gift Certificate (B00! 443-8237),