VISA  DISCLOSURE AND CARDHOLDER AGREEMENT   
                                                                                  
                                     
                                                                                  
      
                          Credit Tier 3       Credit Tier 2        Credit Tier 1  
      Interest Rates and Interest Charges                     
                     11.24 %   to 18.0%   10.24 %   to 18.0%     8.24 %   to 18.0%  
      Annual Percentage Rate  1               1                   1
                     Variable            Variable            Variable  
      (APR)  for purchases and 
      balance transfers  
                     12.24 %   to 18.0%   11.24 %   to 18.0%     9.24 %   to 18.0%  
                          1                   1                   1
                     V ariable   R ewards   Variable   Rewards   Variable   Rewards  
                     Prime plus 7.74%    Prime plus 6.74%    Prime plus 4.74%  
      Variable Rate Information  
                     Prime plus 8.74% Rewards   Prime plus 7.74%  Rewards   Prime plus 5.74% Rewards  
      Annual Percentage Rate 
                  2
      (APR) for  cash advances   17.9%   17.9%               17.9%  
                     Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if  you pay 
      Paying Interest   your entire balance by the due date each month.   We will begin charging interest on Cash Advances and Balance Transfer s   on 
                     the transaction date.  
      Minimum Interest Charge   None     None                None  
      How we will calculate your  Average daily balance (including new  Average daily balance (including new  Average daily balance (including new 
      balance        purchases)          purchases)          purchases)  
      For credit card tips from the 
                     To learn more about factors to consider when applying for or using a credit card, visit the website of the  Consumer Financial 
      Consumer Financial 
                     Protection Bureau   at  http://www. consumerfinance.gov/learnmore .  
      Protection Bureau  
      Fees                                                    
      Annual Fee     None                None                None  
      Balance Transfer 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 .  
      Over Limit Fee   None              None                None  
      Card Benefits                                           
             3       Earn one (1)  reward   point for every $1  Earn one (1)  reward   point for every $1  Earn one (1)  reward   point for every $1 
      Rewards   Points  
                     you spend           you spend           you spend  
                     Online  purchases are secure when you  Online purchases are secure when you  Online purchases are secure when you 
      Verified by Visa  
                     register            register            register  
      
     Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness  including income, debt ratio, employ ment 
     and credit history. Must be   18 years of age to qualify. Verification of income may be required.  
     Membership   account required.  M ust have an open savings account that carries a $5.00 minimum balance.    
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.  
     1
      Variable Rate Information: The Annual Percentage Rate may increase or decrease  when   the Prime Rate Index �PRI� increases or decre ases.  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 her ein.    
     2
      Applies to new and existing cash advance balances.  
     3
      Redemption of  reward   points is subject to the terms and conditions of  rewards   program.  
      
                                                                                  
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                                      VISA  DISCLOSURE AND CARDHOLDER AGREEMENT   
                                                                                  
                                     
                                                                                  
      
     This 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 agr eed to all of the following terms. �APR� means Annual Percentage Rate. 
     �Account� means the relationship established between you and Mountain America Federal Credit Union. �Card� means VISA� Platin um Credit Card, or a 
     VISA Debit Card or any other access dev ices 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 a ny 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 con struction 
     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 th e total 
     of purchases made on  your account within that limit. We reserve the right to deter mine your credit and/or cash line and may increase, decrease, or 
     restrict it at any time without notice.  
      
     2 . SECURITY INTEREST.  You understand tha t by signing ,  using this card or line of credit,  you agree, individually and collectively, to give MAFCU a 
     sec urity 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. This means we may place a lien on (freeze) yo ur presen t and future shares, share 
     cert ificates 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 not 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 l oss of special tax treatment 
     under the Int ernal Revenue Code. Additionally, you understand that collateral securing other loans, except real property, 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 Agreemen t.   
      
     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 r ates available in wholesale 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   transacti on   fee. The  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 d ollars and will be collected from you for 
     any transaction conducted in US dollars from a foreign country as a separate transaction titled ISA Fee.   
      
     Transactions conducted in a US Territory, on a US military base, or within a US Embassy or Consulate will n ot 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).  The  Annual Percentage Rate (APR)  applied on your account  is tied to the �PRI�. The �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 comparabl e to the index described herein. The 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 provided , 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,  balanc e 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 t he 
          �Minimum Payment� due as shown on your statement , which   shall include the minimum payment due on your new balance p lus 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 Over 
          Credit Limit.�    If your account has balances with different APRs, the minimum payment will first be   allocated to any purchase interest, followed 
          by any cash advance interest, then any balance transfer interest. Any payment amount received in excess of the minimum paymen t will be 
          allocated to the balance with the highest APR and any remaining portion to  the other balances in descending order based on the APR.  
      
     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 balanc e 
     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: Avera ge Daily Balance including New Purchases.  The 
     balance subject to  finance charge  is  identified on your monthly statement as  �Balance Transfer Average Daily Balance�,  �Cash Advance Average Daily 
     Balance� and �Purchases Average Daily Balance.�  We figure the i nterest charge on your account by applying the periodic rate to the �average daily 
     balance� of your account.  To get the  Balance Transfer   Average Daily Balance, we take the beginning balance  of your account  each day, add new 
     balance transfers   and other debi ts, and subtract payments  or   credits. To 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. To get the Purchases Average Daily Balance, we   take  
     the beginning balance each day, add new purchases and other debits, and subtract payments  or   credits.  This gives us the daily balance.  Then we add 
     up all the daily balances  for   the billing cycle and divide  the total  by the number of days in   the   billing cycle.   This gives us the �average daily balance�.  
                                                                                  
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                                      VISA  DISCLOSURE AND CARDHOLDER AGREEMENT   
                                                                                  
                                     
                                                                                  
      
           
     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 ha rmless for any damages or other liability arising from a transaction initiated 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 v io late 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 t elephone number included in this agreement.  You may also contact us on the 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 unauthorize d use that occurs before your 
     notice t o 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 shows 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 mo ney you lost after   the 60 days.  
      
     13. AUTHORIZED   CARDHOLDERS .     Mountain America may permit 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. Authorized cardholders (including 
     MyExpress) will be given a card associated with the account holder�s account. The use of authorized cards may not be for payr oll purposes.   Authorized 
     cardholders shall not be permitted to withdraw funds dire ctly 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 a ssessed 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. This 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). This fee   is in addition to any other surcharge or transaction fees initiated 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 all 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 t o 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.   
      
     2 1 . 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.  The card(s) must be surrendered upon MAFCU�s request or termination of this 
     account.  
      
     22 .   HSA (Health S avings Accounts) DEBIT CARD TRANSACTIONS.  Subject to Visa card regulations as stated in this disclosure and card holder 
     a greement. In addition, all debit card transactions are subject  to  IRS regulations and reporting as stated on your HSA application and 5 305 - C disclosure 
     statement. (Section 11.12.) All distributions are reported to the IRS as normal distributions.   
      
     2 3 .  YOUR BILLING RIGHTS :  KEEP   THIS   DOCUMENT   FOR   FUTURE   USE .    This 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 Statement  
     If you think there is an error on your statement, write to us at the address in this agreement or you m ay 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 : The dollar amount of the suspected error.  
        �   Description of problem : If you think there is an erro r 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 Letter  
                                                                                  
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                                      VISA  DISCLOSURE AND CARDHOLDER AGREEMENT   
                                                                                  
                                     
                                                                                  
      
     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 d ays of receiving your letter, we must either 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 o n 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 ther e 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 
          thin k 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 y our bill. We must 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 t he amount you question 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.  
     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 stil l 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 tel l 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, 
     accor ding to law, the terms of this Agreement. These changes will apply to your new purchases , balance transfers   and advances and to your 
     outstanding balance. These 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 addr ess given in this disclosure, you agree to abide by this Agreement as changed.   
      
     2 5 . MOBILE CARD USE.   
      
     PLEASE READ BELOW BE FORE ACTIVATING OR U SING YOUR MOBILE CAR D .   BY ACTIVATING AND/OR USING YOUR MOBILE CARD, YOU 
     ACCEPT AND AGREE TO THE TERMS BELOW AND ARE BOUND TO THE TERMS 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 of  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 you r wireless carrier) and will be subject to any Third 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, a nd/or other third parties, with their own terms and conditions and privacy policies (�Third Party Agreements�). Those Third P arty 
        Agreements are between you and third party and do not concern your relationship with MAFCU. We strongly encourage you to read   all such Third 
        Party Agreements.  
           
     c.   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 s ervice you purchased through use of the Mobile Card, you first 
        should try to resolve the problem directly with the merchant, but you may also have rights under your Cardholder Agreement re ferenced above, or 
        otherwise under applicable law.  
           
     d.   MAFCU is not res ponsible for technical support or assistance for any third party hardware, software or other products or services (including  any 
        Apple Payment Service or your device). If you have any questions or issues with a third party product or service, including i ss ues pertaining to the 
        operation of your device, please contact the appropriate third party in accordance with that third party's procedures for cus tomer support and 
        assistance.   
                                                                                  
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                                      VISA  DISCLOSURE AND CARDHOLDER AGREEMENT   
                                                                                  
                                     
                                                                                  
      
           
     e.   We reserve the right for any reason to discontinue offering or supporting any   Mobile Card. Except as otherwise required by applicable law, we may 
        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 Terms 
        of Use or any of your MAFCU agreement s, 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, suspension, cancellation or terminatio n of your use of any 
        Mobi le Card.  
      
     f.   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.  
         
     g.   A MOBILE CARD  IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. 
        MAFCU RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. You are granted a non - exclusive, non - sublicensable, non - transferable, 
        personal, limited license to inst all and use the Mobile Card on your device solely in accordance with these Terms 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 no tice.  
      
     h.   DISCLAIMER  OF WARRANTIES.  USE OF A MOBILE CARD IS AT YOUR RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, ANY 
        MOBILE CARD IS PROVIDED TO YOU "AS IS", AND MAFCU HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT 
        TO ANY MOBILE CARD, EITHER EXPRESS, IMPLIED OR ST ATUTORY. WE ALSO DO NOT WARRANT AGAINST INTERFERENCE WITH 
        YOUR ENJOYMENT OF ANY MOBILE CARD. USE OF A MOBILE CARD INVOLVES THE TRANSMISSION OF PERSONAL INFORMATION 
        THROUGH THIRD PARTY CONNECTIONS. WE DO NOT CONTROL THESE CONNECTIONS, WE CANNOT GUARANTEE PR IVACY OR 
        SECURITY OF THESE TRANSMISSIONS. YOUR DEVICE'S BROWSER IS PRE - CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WITH 
        APPLICABLE THIRD PARTIES FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES.  THIS SECTION 24(I) S HALL 
        SURVIVE ANY TERMINAT ION OF  THESE TERMS OF USE.  
           
     I.   LIMITATION OF LIABILITY.  EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL MAFCU, ITS AFFILIATES, AGENTS, 
        EMPLOYEES  OR  REPRESENTATIVES  BE  LIABLE  FOR  DEATH,  PERSONAL  INJURY,  PROPERTY  DAMAGE,  OR  ANY  INCIDENTAL, 
        SPECIAL,  INDIRECT,  PUNITIVE,  EXEMPLARY  OR  CONSEQUENTIAL  DAMAGES  WHA TSOEVER,  INCLUDING,  WITHOUT  LIMITATION, 
        DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR 
        FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF USE OR IN ANY WAY 
        RELATED TO YOUR USE OR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY 
        (CONTRACT,  TORT  OR  OTHERWISE)  AND  EVEN  IF  WE  HAVE  BEEN  ADVISED  OF  THE  POSSIBILITY  OF  SUCH  DAMAGES.  THE 
        FOREGOING LIMITATIONS WILL APPLY EVEN IF T HE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.  THIS SECTION 
        24(J) SHALL SURVIVE  ANY TERMINATION OF T HESE TERMS OF USE.  
      
                                                                                  
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