VISA DISCLOSURE AND CARDHOLDER AGREEMENT 
                                                                                  
                                                                                  
       
                          Credit Tier 3       Credit Tier 2       Credit Tier 1 
       Interest Rates and Interest Charges  
                     13.24% to 18.0%     12.24% to 18.0%      10.24% to 18.0% 
                           1                   1                   1
                     Variable            Variable            Variable  
       Annual Percentage Rate 
       (APR) f or purchases and  14.24% to 18.0%  13.24% to 18.0%   11.24% to 18.0% 
       balance transf ers  1                   1                   1
                     Variable  Rewards   Variable  Rewards   Variable  Rewards 
                     16.74% to 18.0%     15.74% to 18.0%     14.74% to 18.0% 
                           1                   1                   1
                     Variable  Cash Back  Variable  Cash Back  Variable  Cash Back 
       Annual Percentage Rate 
                  2
       (APR) f or cash adv ances   17.9%  17.9%              17.9% 
                     Y our due date is at least 25 day s af ter the close of each billing cy cle. We will not charge y ou interest on new purchases if y ou 
       Pay ing Interest  pay y our entire balance by the due date each month.  We will begin charging interest on Cash Adv ances and Balance Transf ers 
                     on the transaction date. 
       Minimum Interest Charge  None     None                None 
       How we will calculate y our  Av erage daily balance (including new  Av erage daily balance (including new  Av erage daily balance (including new 
       balance       purchases)          purchases)          purchases) 
       For credit card tips f rom the 
                     To learn more about f actors to consider when apply ing f or or using a credit card, v isit the website of the Consumer Financial 
       Consumer Financial 
                     Protection Bureau at http://www.consumerf inance.gov /learnmore. 
       Protection Bureau 
       Fees  
       Annual Fee    None                None                None 
       Balance Transf er Fee  None       None                None 
       Late Fee      Up to $25.00 
       Foreign Transaction Fee  1% of the transaction amount.  1% of the transaction amount.  1% of the transaction amount. 
       Ov er Limit Fee  None             None                None 
      Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment 
      and credit history. Must be 18 years of age to qualify. Verification of income may be required. 
      Variable Rate calculations: For Credit Tiers 3, 2, 1 respectively: Variable Visa prime plus 7.74%, 6.74%, or 4.74%; Variable Rewards p rime plus 8.74%, 7.74%, or 
      5.74%; Variable Cash Back prime plus 11.24%, 10.24%, or 9.24%. 
      Membership account required. Must have an open savings account that carries a $5.00 minimu m  balance.   
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardh older agreement. 
      Loan/Card type replacement: At any time if you request we change your loan/card type, your updated interest rate will apply to the full existing balance of any 
      existing balance transfers and any purchases not paid in full by the applicable billing cycle. 
      Card benefits: All card types receive Verified by Vis a. Rewards cards may earn one reward point for every $1 spent. Cash Back cards may earn 1.5% on every 
      purchase. See full program rules on https://www.macu.com/loans/credit-cards/v isa-credit-cards/program-rules .  
      1
      Variable Rate Information: The Annual Percentage Rate may increase or decrease when the Prime Rate Index �PRI� increases or decreases.  The Prime Rate 
      Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will 
      choose a new index which is comparable  to the index described herein.   
      2
      Applies to new and existing cash advance balances. 
       
                                                                                  
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                                      VISA DISCLOSURE AND CARDHOLDER AGREEMENT 
                                                                                  
                                                                                  
       
      T his agreement covers your VISA. In this Agreement the words �you� and �your� mean any user of the card or cards previously indicated. �We�, �our� and 
      �us� mean Mountain America Federal Credit Union (MAFCU). You agree that if you sign, request, use or permit others to sign or use any of the cards 
      issued by Mountain America Federal Credit Union that you have agreed to all of the following terms. �APR� means Annual Percen tage Rate. �Account� 
      means the relationship established between you and Mountain America Federal Credit Union. �Card� means VISA� Platinum Credit Card, or a VISA Debit 
      Card or any other access devices we give you to access your account. �PRI� means Prime Rate Index.  
       
      You may use your account to buy goods and services any place your card is honored. You may also use you r account to get a cash advance. You agree 
      to all procedures required by us or any merchant which honors your card as well as all terms on your card. Any plural term used in this Agreement shall 
      be deemed singular if context and construction so require. Any singular term used in this Agreement shall be deemed plural if context and construction so 
      require.  
       
      1. CREDIT LIMIT. From time to time we may modify the maximum credit limit established for all extensions on your account. You agree to keep the total 
      of purchases made on your account within that limit. We reserve the right to determine your credit and/or cash line and may increase, decrease, or restrict 
      it at any time without notice. 
       
      2. SECURITY INTEREST. You understand that by signing, using this card or line of credit, you agree, individually and collectively, to give MAFCU a 
      security interest in all present and future shares you have, or have interest in, in any personal account(s) with us. Under the Federal Credit Union Act, we 
      have a statutory lien on your shares and other deposits. T his means we may place a lien on (freeze) your presen t and future shares, share certificates 
      and dividends to the extent of that portion of your card account that is in default. You are also giving a security interest in all present and future checking 
      accounts you have with us. You authorize us to take that money and apply it to what you owe if you are in default. You are no t giving a security interest in 
      any shares or money in an IRA, SEP, KEOGH, or any other account which, if pledged, would result in the loss of special tax tr eatment under the Internal 
      Revenue Code. Additionally, you understand that collateral securing other loans, except real p roperty, will secure this account.  
       
      3. CARDHOLDER SIGNATURE.  Your card is not valid unless it is signed.  Sign the back of your card immediately upon its receipt.   
       
      4. PAYMENTS.  Payments will be credited the same day as received. In some cases, available credit may be delayed until the payment is verif ied. We 
      will accept late or partial payments without forfeiting any of MAFCU�s rights under this Agreement.  
       
      5. FOREIGN TRANSACTION  FEE (ISA FEE).  Non-US dollar transactions made in foreign countries (a.k.a. multi -currency transactions) will be billed to 
      you in US dollars. Conversion to US dollars is determined by a rate selected by Visa from the range of rates available in who lesale currency markets for 
      the applicable central processing date, which may vary from the rate Visa itself receives or the government -mandated rate in effect for the applicable 
      central processing date plus 1 percent foreign transaction fee. T he foreign transaction fee will appear as a separate line on your statement for each 
      transaction completed in a foreign country. 
        
      US dollar transactions made in foreign countries (a.k.a. single currency transactions) will be billed to you in US dollars an d will be collected from you for 
      any transaction conducted in US dollars from a foreign country as a separate transaction titled ISA Fee.  
       
      T ransactions conducted in a US T erritory, on a US military base, or within a US Embassy or Consulate will not incur either a foreign transaction fee or an 
      ISA fee. Credit Vouchers (also known as returns) and Cash Reversals are not subject to a foreign transaction fee or ISA fee.  
       
      6. COMPUTATION OF THE PRIME RATE INDEX (PRI). T he Annual Percentage Rate (APR) applied on your account is tied to the �PRI�. T he �PRI� is 
      the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longe r available, the credit union will 
      choose a new index which is comparable to the index described herein. T he interest rates may change on the first of every month.  
       
      7. PROMISE TO PAY. You promise to pay us all amounts borrowed by you, your co-applicant and/or authorized user under this Agreement, using your 
      credit card or any other access device provide d, plus any finance charge or other amounts due both before and after judgment. You agree to pay us on 
      or before the due date shown on your monthly statement. Each month we will send you a statement showing any purchases, balance transfers, advances, 
      or credits made on your account during that billing cycle and your new balance, and the date it is due.  
       
           Visa Credit: You may pay in full for all your purchases, balance transfers and advances each month or you may make the periodic minimum 
           payment of 2.5% of the unpaid balance or $15.00, whichever is greater. Balances under $15.00 must be paid in full. You must pay the �Minimum 
           Payment� due as shown on your statement, which shall include the minimum payment due on your new balance plus any amounts past due, 
           plus any amount over your credit limit. If you exceed your credit limit the excess will be shown on your statement as �Amount O ver Credit Limit.�  
           When you make a payment, generally, we first apply your minimum payment to all interest owed on your monthly st atement.  Any payment 
           above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first.  We apply 
           payments to balances as they appear on your monthly statement before being applied to new transa ctions.  If you do not pay your balance in 
           full each month, you may not be able to avoid interest charges on new purchases. 
       
      8. BALANCE DUE. If you miss a payment or if you break any other promise you have made under this Agreement, we may declare your entire balance 
      due and payable at once without notice or demand. We may also do this if you have made any misrepresentation in applying for credit or if anything 
      happens that indicates to us that you may be unable or unwilling to repay your loan. 
       
      9. BALANCE COMPUTATION METHOD. Visa Credit Balance Computation Method: Av erage Daily Balance including New Purchases. T he balance 
      subject to finance charge is identified on your monthly statement as �Balance T ransfer Average Daily Balance�, �Cash Advance Average Daily Balance� 
      and �Purchases Average Daily Balance.� We figure the interest charge on your account by applying the periodic rate to the �average daily balance� of your 
      account. T o get the Balance T ransfer Average Daily Balance, we take the beginning balance of your account each day, add new balance transfers and 
      other debits, and subtract payments or credits. T o get the Cash Advance Average Daily Balance, we take the beginning balance of your account each 
      day, add new advances and other debits, and subtract payments or credits. T o get the Purchases Average Daily Balance, we take the beginning balance 
                                                                                  
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                                      VISA DISCLOSURE AND CARDHOLDER AGREEMENT 
                                                                                  
                                                                                  
       
      each day, add new purchases and other debits, and subtract payments or credits. T his gives us the daily balance. T hen we add up all the daily balances 
      for the billing cycle and divide the total by the number of days in the billing cycle. T his gives us the �average daily balance�. 
            
      10. LIABILITY. If the card is issued to you and others on a joint application, each use of the card shall be an extension of credit to all a nd each of you shall 
      be jointly and severally liable. If you allow anyone else to use your card, you will be liable for all credit extended to him/her.  
       
      11. USE OF CARD FOR ILLEGAL OR RISKY TRANSACTIONS. It is your responsibility to comply with all laws when using your MAFCU credit card. You 
      agree to hold us harmless for any damages or other liability arising from a transaction initi ated by you or your authorized user for the purpose of conducting 
      an illegal activity. We reserve the right to decline authorization of transactions for activities we believe may violate law or pose significant risk to us or our 
      members. 
       
      12. LIABILITY FOR UNAUTHORIZED USE.  If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write 
      to us or call us immediately at the address or telephone number included in this agreement.  You may also contact us on th e Web at macu.com. You will 
      not be liable for any unauthorized use that occurs after you notify us.  You may, however, be liable for unauthorized use tha t occurs before your notice to 
      us.  In any case, your liability will not exceed $50.  
       
        a.  Debit Card Program. Unless you have been grossly negligent or have engaged in fraud or illegal transactions, you will not be liable for any 
           unauthorized transactions using your lost or stolen card, when used for point -of-sale transactions. Also, if your statement sho ws transfers that 
           you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may be lia ble for $50.00 plus 
           any money you lost after the 60 days. 
       
      13. AUTHORIZED CARDHOLDERS.  Mountain America may perm it account holders to add Authorized Cardholders to an account upon request. The 
      account holder assumes any responsibility or liability for any transactions that the Authorized Cardholder may initiate. Auth orized cardholders (including 
      MyExpress) will be given a card associated with the account holder�s account. T he use of authorized cards may not be for payroll purposes. Authorized 
      cardholders shall not be permitted to withdraw funds directly from the teller line. It is understood by the account holder that funds may be accessed by 
      Authorized Cardholders through use of the card; however, the funds will remain under the ownership of the share account holde r.  
       
      14. LOST/REPLACEMENT CARD. You agree to promptly notify us orally or in writing if your card or card number is lost or stolen. You may notify us of 
      the loss by sending a written notice or calling us at the address or telephone number listed on each billing statement. A $10 fee may be assessed for each 
      replacement card.  
       
      15. LATE FEE. We may assess a late fee if your �Minimum Payment Due� is not made by the 10th day following your payment due date. T his fee will be 
      $15.00 on balances up to $999.99, $20.00 on balances of $1000 up to $1999.99, and $25.00 on balances of $2000.00 and over.  
       
      16. AUTOMATED TELLER MACHINE (ATM) FEE. A transaction fee may be assessed on your account when you use your card to access information or 
      make any transaction on your Credit Union account(s). T his fee is in addition to any other surcharge or transaction fees init iated by the proprietary ATM 
      owner.  
       
      17. ANNUAL CARD FEE. No annual consumer card fee.  
       
      18. OVER LIMIT CHARGE. No over limit charge.  
       
      19. CASH ADVANCE FEE. No cash advance fee.  
       
      20. COLLECTION COSTS. If we are forced to take collection action you agree to pay a ll court costs and collection fees, including our reasonable attorney�s 
      fees and costs on appeal. If this account is assigned to an outside agency for collections, you agree to pay all attorneys� fees, court cost, and a collection 
      charge of 30% of the outstanding balance at the time it is sent to collections, which will be added to the outstanding balance of your account.  
       
      21. CANCELLATION OF THIS AGREEMENT. You agree that the card(s) you have is our property and that we may terminate this Agreement if you break 
      any of your promises or you are in default under this Agreement. T he card(s) must be surrendered upon MAFCU�s request or termination of this account. 
       
      22. HSA (Health Sav ings Accounts) DEBIT CARD TRANSACTIONS.  Subject to Visa card regulations as stated in this disclosure and card holder 
      agreement. In addition, all debit card transactions are subject to IRS regulations and reporting as stated on your HSA application and 5305-C disclosure 
      statement. (Section 11.12.) All distributions are reported to the IRS as normal distributions.  
       
      23. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE.  T his notice tells you about your rights and our responsibilitie s under the 
      Fair Credit Billing Act. 
      What To Do If You Find A Mistake On Your Statement 
      If you think there is an error on your statement, write to us at the address in this agreement or you may also contact us on the Web at macu.com.  
      In your letter, give us the following information:  
        ?  Account information: Your name and account number 
        ?  Dollar amount: T he 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 be lieve 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 wro ng. 
      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.  
       
                                                                                  
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                                      VISA DISCLOSURE AND CARDHOLDER AGREEMENT 
                                                                                  
                                                                                  
       
      What Will Happen After We Receive Your Letter 
      When we receive your letter, we must do two things:  
        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 alre ady corrected the error. 
        2.  Within 90 days of receiving your letter, we must eith er correct the error or explain to you why we believe the bill is correct. 
      While we investigate whether or not there has been an error: 
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
        ?  T he 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 amo unt 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 mu st tell you the name of anyone to whom we reported you 
      as delinquent, as 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 q uestion even if your bill is correct. 
       
      Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
      If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
      with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
      T o use this right, all of the following must be true: 
        1.  T he 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 AT M 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 in this agreement or 
      at macu.com.  
      While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we w ill 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. 
       
      24. CHANGES IN THE AGREEMENT. By your signature on your card or the signature of any authorized user, you agree that we may change, according 
      to law, the terms of this Agreement. T hese changes will apply to your new purchases, balance transfers and advances and to your outstanding balance. 
      T hese changes may include, but are not limited to, any change in finance charge. We will mail notice of such change to you at your address shown on 
      our records. 
       
      We may make changes in this Agreement, but we will notify you of such changes. Unless you terminate your right to participate within 45 days after the 
      date of our notice by writing us at the address given in this disclosure, you agree to abide by this Agreement as changed.  
       
      25. MOBILE CARD USE.  
       
      PLEASE READ BELOW BEFORE ACTIVATING OR USING YOUR MOBILE CARD.  BY ACT IVAT ING AND/OR USING YOUR MOBILE CARD, YOU 
      ACCEPT AND AGREE T O T HE T ERMS BELOW AND ARE BOUND T O T HE T ERMS OF USE.  
       
      a.  If you choose to use your card in conjunction with a mobile card application (�Mobile Card Application�), including but not l imited to, Apple Pay 
        application, Google Wallet application, or any other similar or competitive applications or mobile feature, you are solely re sponsible for the safety and 
        protection of all log-ins, passwords, or any other required element related to the use o f such Mobile Card Applications. It is your responsibility to 
        contact MAFCU and notify us of any potential compromise. Any fee for creating or using your Mobile Card will be your responsibility, including fees 
        for data usage or text messaging imposed by yo ur wireless carrier) and will be subject to any T hird Party Agreement between the parties. 
       
      b.  In addition to the terms herein, you may have entered into an agreement with the Mobile Card Application provider (such as Ap ple or Google), your 
        wireless carrier, and/or other third parties, with their own terms and conditions and privacy policies (�T hird Party Agreements�). T hose T hird Party 
        Agreements are between you and third party and do not concern your relationship with MAFCU. We strongly encourage you to read all such T hird 
        Party Agreements. 
            
      c.  If additional verification is required to add your card to a digital wallet, we may need to ask for additional verification u sing text message or email. If 
        you choose text messages as your verification method, you consent to receive text messages at the mobile phone number you have on file with us 
        for this card. T ext messages may be transmitted using auto -dialer technology. Your usual wireless carrier fees may apply. One message per user.  
        Message and Data Rates May Apply. HELP instructions: T ext HELP to 91098. STOP instructions: T ext ST OP to 91098 to cancel.   
            
      d.  Purchases or other transactions you make with any of your Mobile Card are governed by the Visa Disclosure and Cardholder Agre ement for the card 
        you used to create your Mobile Card. If a problem arises with the product or service you purchased through use of the Mobile Card, you first shou ld 
        try to resolve the problem directly with the merchant, but you may also have rights under your Cardholder Agreement reference d above, or otherwise 
        under applicable law. 
                                                                                  
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                                      VISA DISCLOSURE AND CARDHOLDER AGREEMENT 
                                                                                  
                                                                                  
       
            
      e.  MAFCU is not responsible for technical support or assistance for any third party hardware, software or other products or serv ices (including any Apple 
        Payment Service or your device). If you have any questions or i ssues with a third party product or service, including issues pertaining to the operation 
        of your device, please contact the appropriate third party in accordance with that third party's procedures for customer supp ort and assistance.  
            
      f.  We reserve the right for any reason to discontinue offering or supporting any Mobile Card. Except as otherwise required by applicable law, we ma y 
        block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate these T erms 
        of Use or any of your MAFCU agreements, if we suspect fraudulent activity or as a result of the cancellation or suspension of your Mobile Card 
        account. You agree that we will not be liable to you or any third party for any block, suspe nsion, cancellation or termination of your use of any Mobile 
        Card. 
       
      g.  As a condition to activating and using Mobile Cards, you consent to receive messages (i.e., SMS, MMS) from us. You also agree to receive 
        communications from us by e-mail to the e-mail address on file for the relevant card account. 
         
      h.  A MOBILE CARD IS LICENSED, NOT SOLD, T O YOU FOR USE ONLY UNDER T HE T ERMS AND CONDIT IONS OF T HESE T ERMS OF USE. 
        MAFCU RESERVES ALL RIGHT S NOT EXPRESSLY GRANT ED T O YOU. You are granted a non -exclusive, non-sublicensable, non-transferable, 
        personal, limited license to install and use the Mobile Card on your device solely in accordance with these T erms of Use. You agree that a Mobile 
        Card may be automatically updated or upgraded without notice to you. At any time, at our sole discretion and without prior notice. 
       
      i.  DISCLAIMER OF WARRANTIES. USE OF A MOBILE CARD IS AT YOUR RISK. T O T HE FULLEST EXTENT PERMITTED BY LAW, ANY MOBILE 
        CARD IS PROVIDED T O YOU "AS IS", AND MAFCU HEREBY DISCLAIMS ALL WARRANT IES AND CONDIT IONS WIT H RESPECT TO ANY 
        MOBILE CARD, EIT HER EXPRESS, IMPLIED OR ST AT UT ORY. WE ALSO DO NOT WARRANT AGAINST INT ERFERENCE WIT H YOUR 
        ENJOYMENT OF ANY MOBILE CARD. USE OF A MOBILE CARD INVOLVES T HE T RANSMISSION OF PERSONAL INFORMATION T HROUGH 
        T HIRD PART Y CONNECT IONS. WE DO NOT CONT ROL T HESE CONNECT IONS, WE CANNOT GUARANT EE PRIVACY OR SECURITY OF 
        T HESE T RANSMISSIONS. YOUR DEVICE'S BROWSER IS PRE -CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WIT H APPLICABLE 
        T HIRD PART IES FOR INFORMAT ION ABOUT T HEIR PRIVACY AND SECURIT Y PRACT ICES. T HIS SECT ION 24(I) SHALL SURVIVE ANY 
        T ERMINAT ION OF T HESE T ERMS OF USE. 
            
      j.  RELEASE OF LIABILITY. ALERT S SENT VIA SMS MAY NOT BE DELIVERED T O YOU IF YOUR PHONE IS NOT IN T HE RANGE OF A 
        T RANSMISSION SITE, OR IF SUFFICENT NETWORK CAPACITY IS NOT AVAILABLE AT A PARTICULAR T IME. EVEN WITHIN COVERAGE, 
        FACT ORS BEYOND T HE CONT ROL OF T HE CARRIER MAY INT ERFERE WIT H MESSAGE DELIVERY FOR WHICH T HE CARRIER IS NOT 
        RESPONSIBLE. 
           
      K.  LIMITATION  OF LIABILITY.  EXCEPT AS OT HERWISE PROVIDED BY LAW, IN NO EVENT SHALL MAFCU, IT S AFFILIAT ES, AGENTS, 
        EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEAT H, PERSONAL INJURY, PROPERT Y DAMAGE, OR ANY INCIDENT AL, SPECIAL, 
        INDIRECT , PUNIT IVE, EXEMPLARY OR CONSEQUENT IAL DAMAGES WHA T SOEVER, INCLUDING, WIT HOUT LIMITATION, DAMAGES FOR 
        LOSS OF PROFIT S, LOSS OF OR DAMAGE TO DATA, BUSINESS INT ERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, 
        LOST REVENUES, OR OT HER LOSSES OF ANY KIND, ARISING OUT OF T HESE T ERMS OF USE OR IN ANY WAY RELAT ED T O YOUR USE 
        OR INABILIT Y T O USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF T HE T HEORY OF LIABILITY (CONT RACT, TORT OR 
        OT HERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF T HE POSSIBILITY OF SUCH DAMAGES. T HE FOREGOING LIMITATIONS WILL 
        APPLY EVEN IF  T HE ABOVE ST AT ED REMEDY FAILS OF IT S ESSENT IAL PURPOSE. T HIS SECT ION 24(J) SHALL SURVIVE ANY 
        T ERMINAT ION OF T HESE T ERMS OF USE. 
       
       
                                                                                  
      Rev 06/2019 Federally insured by NCUA.                               Page 5 of 5