A AX scion een CONSUMER VISA® CREDIT CARD AGREEMENT PO, Gow a0070, Phograk, At BOS P-OG78 (57) GONG POO SPAabS This is your Agreement and Disclosure Statement with Arizona Federal. Piease read it carefully and keep # for your records. By signing an Application for these services, or your use or continued use of any account or account services alter receiving this Agreement and Disclosure, notice of its availability or notification of any change in terms, you, jointly and severally, agree that you understand and agree to these terms and conditions, as amended from time to time. Please ask us before signing any application or using any of our services, if you have any questions regarding any term or condition. The Arizona Federal VISA® credit card combines the features and convenience of our credit card with additional features of our ATM card as set forth herein. This Agreement and Disclosure explains the rules which govern your VISA® credit card with us. Your relationship with the credit union is also governed by state and federal laws, which may change from time to time. The body of law is too large and complex to be reproduced here. The purpose of this Agreement and Disclosure is to: (1) summarize the rules applicable te common transactions; (2) establish rules to govern transactions not regulated by state or federal law; (3) establish variations to certain events or transactions permitted by applicable law; and (4) provide you with certain disclosures and information regarding our policies as required by law. TERMS AND CONDITIONS APPLICABLE TO ALL VISA® CREDIT CARD SERVICES 1. Terms, Conditions and Limitations of Your Relationship with the credit_union,   The purpose of this Section is to state the terms and conditions that apply to all of your transactions and services provided under this Agréement. These terms may be varied only by other sections of this Agreement or other agreements with us that expressly govern a particular account, service or transaction. 2. General Definitions, ; These definitions contro! the interpretation of your Agreement with us: "Account" means the Credit Card Account. "Card means either one or more VISA® credit cards and any duplicates, renewals or substitutions that we or our authorized agents issue. "You," "Your{s}" or "Cardholder" mean afl persons to whom we issue any Card and/or Access Device; anyone you permit to use any Card and/or Access Device, any authorized user of any Card and/or Access Device to the extent of the Transactions they make as weil as any Transactions they permit others to make. "Credit Union,” “we," “us" or “our" means Arizona Federal. "Convenience Cheeks" mean one or more checks that we may send to you fo access your Credit Card Accouni. "Access Device” means any Card or other electronic access device and/or any codes, passwerds or personal identifieation numbers that we issue to allow you to access and/or use any account or other services. "Authorized User" means any person who has authority, or who any owner has given any information, access device or documentation that enables a person to access, withdraw, make Transactions or use your accounts and services. "Cheek" means an acceptable written “instrument” on your account(s), and includes the term "Convenience Check." “Transaction" means any deposit, order, transfer, withdrawal or other instruction relating to any account or account service provided by us, as well as any purchase or cash advance. 3, Pledge ef Shares and Security {nterest. PLEDGE - BY SIGNING AN APPLICATION, ACCEPTANCE OR AUTHORIZED USE OF ANY CARDS, YOU GRANT AND PLEDGE A CONSENSUAL LIEN TO US ON ALL SHARES NOW OR HEREAFTER ON DEPOSIT AS DEFINED BY YOUR MEMBERSHIP AGREEMENT TC SECURE PAYMENT OF YOUR OBLIGATIONS ON THIS ACCOUNT. IN ADDITION, YOU ACKNOWLEDGE OUR STATUTORY LIEN RIGHTS UNDER THE FEDERAL CREDIT UNION ACT; YOU AGREE THAT SUCH A LIEN JS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT IS OPENED: AND YOU AGREE THAT WE CAN APPLY THE SHARES PLEDGED AT THE TIME OF ANY DEFAULT ON THIS ACCOUNT WITHOUT FURTHER NOTICE. "Shares" for the purpose of your pledge to secure your obligations to us and otherwise, “"share(s)" mean all deposits in any share savings, checking, club, certificate, P.O.D., revocable trust or custodial account(s), whether jointly ot individually heid -- regardless of contributions, that you have on deposit now or in the future, all of which are deemed "general deposits," for the purpose of your pledge. Your pledge does nat include any LR.A., Keogh, tax escrow, irrevocable gust or fiduciary account in which you do not have a vested ownership interest.           SECURITY AGREEMENT - Payments on your Account are secured by any security interest in any property securing your other obligations to the Credit, Union, whether existing now or in the future; except your household goods and your primary residence. Further, you hereby grant the Credit Union security interest in all property purchased through this Account, including a purchase-money security interest in any household goods purchased with an extension of credit upon this Account. These security interests shall secure faithful performance of all obligations arising under this Agreement, and the Credit Union shall have al! of the rights ofa secured party in accordance with Article Nine of the Uniform Commercial Code and/or other applicable law. 4, Membership Eligibility and Future Services.   To open or maintain any account(s) or service(s) with us, you must qualify for membership and deposit and maintain the par value of the required shares as provided by the Arizona Federal Bylaws and Charter. To verify your eligibility for any account(s), service(s), or loan product(s), now and in the future, you authorize us 1o make inquiry te determine your employment history and to obtain information concerning any accounts with other institutions, and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others, 5. Electronic Disclosures, Statements, Agreements and Notices.   You specifically agree that the Credit Union may provide ail disclosures, statements, agreements, notices, amendments, revisions and other decuments electronically. For instance, if you apply for a new electronic service on our Website, all agreements and disclosures will be made available to you electronically. You wil! be able to download and/or print these disclosures, statements, agreements and notices through an appropriate electronic terminai and/or printer. You should review all such disclosures, statements, agreements and notices, and keep them in a safe and convenient place. 6. Collection Costs. You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or protecting the Credit Union’s rights under this Agreement, including attorneys’ fees and those costs, expenses and attorneys’ fees incurred in any appellate, bankruptcy and post-judgment proceedings, except as limited or prohibited by applicable law. 7. Closing Your Account.   Any individual cardholder without the consent of other cardholders, may close your Account at any time by notifying the Credit Union in writing, The Credit Union may close your account or suspend your Card privileges or Convenience Checks at any time without Erion notice. The Credit Union may also reissue a different Card or different checks at any time. You must return the Card or the Convenience Checks to the Credit Union upon request. You agree that the Card and all Convenience Checks remain the property of the Credit Union. Each Card we issue will have an expiration date. Upon expiration of your Card your account will automatically terminate; or the Crédit Union, in its sole discretion, may extend your Agreement and issue a new Card with a new expiration date. If your account is closed, expires or your credit privileges are terminated or suspended, you will remain responsible for paying all amounts you owe us according to the terms of this Agreement. Without limiting the foregoing, the Credit Union hag the right to terminate your line of credit and to dernand the return of all Cards, access checks and other access devices if the Cedit Union, in its sole discretion, feels that it is insecure for any reason whatsoever; incleding but not limited to mismanagement of your account, failing to safeguard any access.device, creation of any credit balances by you that may increase the risk of loss or exposure of the Credit Union or failing to cooperate with the Credit Union or others with regard to any claim of unauthorized use or any other defense to payment under applicable law. Page | LOS/VISADCC 02-08-108. Changing This Agreement. The Credit Union may change the terms of this Agreement, including the Annual Percentage Rafe, at any time. Except where limited by applicable law, the new terms, including, but not limited to, increasing the finance charge or the way the Credit Union calculates finance charges, late charges, and the minimum payment due, will apply both to new purchases and cash advances and ¢o the existing outstanding balance of your account as of the day of the change. In accordance with applicable law, the credit union will notify you of any change in terms by writing to you at the most recent address shown for you on the Credit Union’s records. his is a variable rate credit card. Changes in interest rates corresponding to changes in the index do not constitute a change in terms. 9, Delay in Enforcement/Waivers.   The Credit Union may delay or waive enforcement of any of the provisions of this Agreement, including any agreement to make timely payments, without losing its right to enforce the same provision later or any other provisions of this Agreement, You waive the right to receive notice of any waiver or delay of presentment, demand, protest or dishonor. You aiso waive any applicable statute of limitations to the full extent permitted by law and any right you may, otherwise have to require the Credit Union to proceed against any person before suing you to collect. You understand that the Credit Unien will not be liable for a merchant's or other parties’ refusal to honor your Card whether due to an error by the Credit Union, the merchant, the Credit Union’s authorized agent, or other third party. 10. Change of Name, Address or Employment,   You wili notify immediately the Credit Union in writing if your name, home address, or employment changes. 11. Additional Terms. To the extent not prohibited by applicable law, the terms, interpretation and enforcement of any claim or dispute arising under this Agreement, as well as all parties’ rights and duties, will be governed by Arizona law regardless where you may reside or use your Account. Further, this Agreement is the contract that governs all transactions on your Account even though sales, cash advances, credit or other slips may contain different terms. You may not transfer or assign your Account or Card to any other person. The Credit Union may assign or transfer this Account, your Account balance, or this Agreement to another person, who will have ail of our rights hereunder. This Agreement is binding on your heirs and legal representatives. If there are joint obligors or authorized users for this Account, each of you will have the right to use the Account to obtain loans pursuant to the terms hereof. Each of you will be liable for ali obligations owing on the Account whether borrowed by you or otherwise and whether within or beyond the credit limit. Your Hability will be joint and several. Either party has the right fo cancel this Agreement. Further each of you are responsible for all amounts borrowed by any authorized user(s). Authorized users and other users may also be required to repay the amount owed for charges they make; however, you remain, ai all times, primarily responsible for all amounts owed. All Cards, billing statements and notices will be mailed or delivered to the address given on the application for either applicant uniess you direct otherwise in writing. If any law or judicial ruling makes any provision of this Agreement unenforceable, the other provisions will remain in full force and effect. You agree that your Account will also be subject to all rules and regulations of VISA® U.S.A., Inc., as applicable. If there is any conflict between this Agreement and the rules and regulations of VISA® U.3.A,, Inc., the rules and regulations of VISA® ULS.A., Inc. will control. imitation of I tits. You agrec that any lawsuit based on a cause of action against us must be filed within one year from the date it arises, or you shail be barred frorn filing any lawsuit. This limitation includes tort, contract and all other causes of action for which you and we may lawfully contract to limit. 12, Wegal Transactions. You warrant and agree that your Card, other access device or any related account will not be used to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute an event of default under this Agreement. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to Pay us) under applicable law, including but not limited to any wansaction involving or relating to any gambling activity. You agree that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept or process, or pay any such transaction. You further a ree ic3) indemnify and hold the Credit Union harmiess from any suits, liability, damages or adverse action of any kind that results directly or indirectly rom such illegal use. CREDIT CARD FEATURES, AGREEMENT AND DISCLOSURES 1. How to Use This Account.   You must sign the Card in order to use it. You can purchase or lease goods and services (“Purchases”) from any merchant who honors your Card up to your maximum credit limit by presenting your Card and signing a sales slip or writing a Convenience Check for the amount of the Purchase. You may also use the Card to obtain cash loans ("Cash Advances") up to your maximum limit from financial institutions that accept a VISA® credit card, and by use of pre Tinted Convenience Checks that the credit union may issue to you. You agree not to present your Card, obtain a Cash Advance or write a Convenience Check for any extension of credit in excess of your available Credit Limit (the difference between your outstanding balance and your maximum credit limit) on your Account. Certain purchases and cash advances require authorization prior to completion of the transaction. In some cases, you may be asked to provide identification. If our system is not working, we may not be able to authorize a transaction, even though you have sufficient credit available. Also, for security reasons, we may block the use of your Card in certain countries or geographic areas. We will have no liability to you or others if any of these events occur. 2. ATM Access. If you have received a personal identification number (PIN), you may use your Card and PIN to obtain Cash Advances at any Automatic Teller Machine ("ATM") that accepts Aout Card. Your PIN is confidential and should not be disclosed to anyone. You agree not to write your PIN on your Card, you will not keep your Card and PIN together, and you will not provide your PEN to anyone who is not an authorized user, Except as otherwise provided in this Agreement, advances through ATM access will be treated as Cash Advances under this Agreement Owners of ATMs that we de not own may charge fees in addition to any fees disclosed in this Agreement. This is not a fee charged by your Credit Union; however, any such fee will be added to your Account. The party charging the fee is required to provide appropriate disclosures te you with regard fo any sucht fees. 3. Maximum Credit Limit.   Your Maximum Credit Limit will be disclosed at the time of toan disbursal and on Your monthly statement. At our discretion, we may change your credit limit at any time, and may provide separate limits for purchases and for cash advances. We will notify you if we do, either by mail or through your monthly billin statement. Your continued use of the Card will show your agreement to any such increase. If you object to an increase in your credit lemit, you must notify the Credit Union in writing. Upon receipt of such notice, your credit limit will be reduced to its prior limit; however, you will be responsible to pay any amounts by which you have exceeded the reduced limit. You agree to pay any amounts you owe that exceed your maximum credit balance upon demand. You agree we are not obligated to extend to you credit for any amount that would cause your outstanding balance to exceed your Maximum Credit Limit, or for any amount if your outstanding balance already exceeds your Maximum Credit Limit. Any increase in your Maximum Credit Limit requested by you will require you to make a written application for our approval. Credit balances in excess of $1.00 wili be transferred to your share account within 30 days of the last activity. You agree thal the Maximum Credit Limit will at no time exceed the agreed upon amount, and that any credit balance will not be available or increase the Maximum Credit Limit available for new purchases or cash advances during any billing cycle. 4, Payments. You will be jointly and severally liable and agree to pay the Credit Union for all charges (purchases, cash advances, finance charges, and other charges added to your Account under the terms of this or any other agreements with us) extended to you or anyone else using any Card issued for your account, unless the use of such Card is by a person other than you, who does not have actual, implied or apparent authority for such use and from which you receive no benefit. Authority includes, but i not Hmited to, any authorized user’s permitting another person fo use any Card(s). Further, all users ave obligated to us for all charges they make, authorize or permit. The Credit Union can accept late or partial payments as well as payments that are marked with "paid in full" or other restrictive endorsements, without losing any of our rights under this Agreement If you pay more than the Minimum Payment Due, we will allocate the excess amount to your account balance. You trust pay the Credit Union in U.S. dollars drawn on funds on deposit in the United States, [f you make payment with other currencies or from an institution domiciled outside the United States, then your payment will not be credited until the funds have been collected by us in U.S. dollars. We may accept checks marked “Payment in Full" or with words of similar effect without losing any right to collect the fill balance of your account. Page 2. LOS/VISADEC 92-08-10    Payments received at a staffed branch teller line will be credited to your account that day. Mailed payments to Arizona Federal, P.O, Box 69070, Phoenix, AZ 85082 0070 received by 5:00 p.m. will receive credit that day. Mailed payments to the address noted above received after 5:00 p.m. will be applied to the next ay’s business. You authorize us to honor any Purchase or Cash Advance you make by telephone or mail on this account. You agree that a signature is nol necessary as ; identification in such cases. We reserve the right to refuse to honor any request for credit, to reduce your credit limit or terminate your account at any time using our sole discretion, based on changes in the economy, the Credit Union’s financial condition, your creditworthiness or for any other reason not prohibited by law, To protect you and us, the Credit Union, in its sole discretion, may place a temporary freeze on all or part of the credit available to you for new purchases or cash advances under this agreement any time the Credit Union receives a large payment ($1,000.00 or more), by a method other than cash, certified 5. Minimum Payment Due. : You can pay off your account balance in full each month or you can pay in monthly installments. Refer to your monthly periodic statement for your next payment due date. If you do not pay your balance in full, you agree to pay at least a minimum payment of 2.7% of your New Balance (rounded to the nearest whole dollar) or $20.00, whichever is greater. If the New Balance shown on your periodic statement is $20.00 or less, you agree to pay this amount. Unless the Credit Uniori takes other action as a result of a default under this Agreement, the Minimurn Payment Due will also include any amount that is past due and any amount by which your new balance exceeds your credit limit. Payments and credits will be applied first to pay billed but unpaid finance charges, late charges, and similar chargés and next to pay cash advances and purchases. You must pay at least the minimum payment each month, but you may pay more than that amount at any time without a penalty. The sooner you pay your new balance, the less you will have to pay in finance charges. 6, Returns and Adjustments. ; ; ; ; ; ; ; Merchants and others who honor your Card may give credit for retums or adjustments, and they will do so by sending the Credit Union a credit transaction, which will be posted to your Account. 7, Multi-Currency International Service Assessment Fee. - Charges For Transactions in Fereign Currency and Cross Border Transactions. Currency Conversion Fee: Ifyou eftect or authorize a transaction with your Access Device in a currency other than United States dollars, VISA 7 MasterCard will convert the charge into a United States dollar amount. The Visa / MasterCard currency conversion procedure includes use of cither a government mandated exchange rate, or a wholesale exchange rate selected by Visa / MasterCard, as applicable. The exchange rate Visa / MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of the purchase or the date the transaction was posted te your Account. A currency conversion fee of up to 1% Will be applied to transactions that are converted fromm foreign currencies to United States dollars. Cross-Border Transaction Fee: In addition, VISA / MasterCard charges us a cross-border assessment up to [% on each transaction on all cross-border transactions regardless of whether there is a currency conversion. For purposes of this section, “cross-border transaction” shall include both (a) wansactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settied in a country outside of the United States. The Credit Union will assess these fees to you fo reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The fee(s} will be shown on your periodic billing statement(s). 8.Finance ¢ anges on Account Balance. ; ; , A FINANCE CHARGE computed on a daily periodic rate will begin to accrue for new Purchases, if you do not pay the New Balance in full within 25 days after the billing date of the statement on which the new Purchases first appear. A FINANCE CHARGE computed on a daily periodic rate will begin to accrue on the transaction date of Cash Advance(s} or Purchases (except as provided above), or the first day of the billing c cle, whichever is later, and will continue to be imposed until you have paid any outstanding balance in full. The Credit Union calculates the FINANCE CHARGE as follows:     a. The Finance Charge will be figured by applying the daily periodic rate indicated on your Visa Credit Card Open End Credit Plan agreement form, to the average daily balance of Purchases and Cash Advances multiplied by the number of days in the billing cycle. The daily periodic rate and Annual Percentage Rate (APR) to be used is determined by the account type approved ry Us pursuant to the terms of your application. The APR for purchases and cash advances may vary of a monthly basis. We will calculate the variable APR by adding a margin to the rate disclosed as the U.S. Prime Rate reported in the "Money Rate” table of the Wall Streét Journal (paper version) on the third Tuesday each month of the year. The new variable rate will be applied to all existing balances not paid in full after any applicable grace period, The variabie rate will not be higher than 18% or as otherwise ordered by the National Credit Union Administration CUA) Board. Your variable rate will be selected from the following seven (7) APR tiers based on individual creditworthiness and our underwriting standards. our variable rate will be disclosed to you in each monthly statement. APR Prime+ 4.49% APR Prime + 12.74% APR Prime + 14.74% APR Prime + 17.74% APR Prime+ 6.24% APR Prime + 13.74% APR Prime + 15.74% b. To get the total average daily balance on your Account, we take the beginning balance of your Account each day, add any new Purchases and Cash _ Advances, unpaid Finance Charges, current [ate payment fees, any annual fee, i applicable, and other fees, and subtract any payments or credits. This is your daily balance. Then we add up all the daily balances for the billing cycle and divice their total by the number of days in the billing cycle. This gives you the avetage daily balance. This determines the balance subject to the FINANCE CHARGE. 9. Overdraft Protection. Upon our. approval, you may use your Card as overdraft protection on your checking account, Advances for overdraft protection are considered cash advances. The Credit Union has no obligation to notify you of any advance under the overdraft plan, Further, if we cover one or more overdrafts, we shall not have any obligation to continue to do sa, Please refer to the Membership and Account Agreement for the Overdraft Plan Agreement. 10. Interest Rate Adjustment (Default Rate). ; _ ; Arizona Federal may adjust the interest rate on your account whenever your account is two (2) Minimum Payments past due. We may change your interest rate to the highest allowable ANNUAL PERCENTAGE RATE. After six (6) consecutive billing cycles of your account being paid pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your Account, which will become effective on the first day of the billing cycle following the sixth consecutive billing cycle. . 11, Monthly Statement. We will send you a monthly billing statement. Your monthly statement will show an itemized list of current charges (Purchases and Cash Advances) and Convenience Check transactions to your Account, your new balance, any Finance Charges, the minimum payment due, and the payment due date. In addition, it will show your current credit limit, payments, and credits, a summary showing your Purchases and Cash Advances, the merchant, electronic terminal or financial institution at which transactions were made, as weil as other information concerning your Account. Sales, Cash Advance, credit or other slips cannot be returned with any statement. You will retain a copy of such slip furnished at the time of the transaction in order to verify your monthly statement. 12. Additional Benefits/Card Enhancements. : ; ; The Credit Union may from time fo time offer additional services to your Account, such as travel accident insurance, purchase rewards or rebates at no additional cost to you. You understand that the Credit Union is not obligated to continue or to offer such services and may withdraw or change them at any time. 13. Merchant Disputes. : ; : . The Credit Union is nat responsible for the refusal of any merchant or financial institution to honor your Card except as set forth in the Special Rules for Credit Card Purchases section of this Agreement. 14. Skip Payment Option. At our option, we may offer you the opportunity to not make ("skip") a minimum payment during certain designated billing cycles ("skip payment period"). if you do not make your minimum payments as provided in this Agreement, during such designated billing cycles, you understand that we will continue to apply finance charges to your Account. Beginning with the billing cycle following an allowed skip payment period, all other provisions of this Agreement will apply. We have no obligation to accept your application for any skip payment period offered, and you authorize us to investigate your creditworthiness including obtaining consumer credit reports. LOS/VISABCC 02-08-10 Page 3.15. Late Charge. The Credit Union will charge your account a late payment fee {see Rate & Fee Schedule} for each billing period in which your minirnum payment is not received within ten (10) days of your payment due date. This tee will be added to your Account balance. 16. Returned Deposited Item Fee or Returned Draft Fee. The Credit Union will charge your account a non-sufficient funds (NSE) fee (see Rate & Fee Schedule) if your check or similar payment instrument is not honored or if we must return if to you because if cannot be processed. This fee will be added to your Account balance. 17. Copies and Card Replacement Fees. If yow request a copy of any document, such as a sales slip, Convenience Check, or billing statement, a per hour charge and a per copy fee may be imposed. We also may charge a card replacement fee. See Rate and Fee schedule for these fees. 18 Card Recovery Fee. A card recovery fee of $65.00 may be charged if you use the card(s) after we mail you notice of termination of this Agreement. 19, Convenience Checks. Any individual cardholder or authorized uset can use your Convenience Checks to purchase goods and services or to obtain cash up te the amount of your available credit limit. The Credit Union will treat Convenience Checks as a cash advance and will charge them against your credit limit. The Credit Union may decline to honor a Convenience Check if you are over your credit limit, you are in default, your account privileges have been canceled, or your Card has expired. If we decline to honor a Convenience Check, the Credit Union may charge you a fee (see Rate & Fee Schedule), which the Credit Union will add to your Account balance. You may not use Convenience Checks to pay any amount that you owe the Credit Union under this or any other credit agreement with the Credit Union. The Credit Union will not certify any Convenience Checks, nor will the Credit Union return paid Convenience Checks to you. it is in the Credit Union's sole discretion to issue Convenience Checks to any member. 20. Stop Payment. Convenience Checks are treated as an access device for gout Account under this Agreement. We may be able to block checks that are lost if we are notified before an item is paid. We may charge a stop payment fee (see Rate & Fee Schedule) for Convenience Check blocking. 21. Your Responsibility and Liability for Unauthorized Use and Lost or Stolen Cards or Convenience Checks. If your Card or Convenience Checks are lost or stolen, or if you are afraid someone used or may use them without your permission, a must notify the Credit Union at once by calling (602) 683-1000 (or non-local at 1-800-323-4603), or providing written notice to: Arizona Federal, P.O, Box 60070, Phoenix, AZ 85082-0070, If natice is given orally, you will promptly confirm it in writing, The Credit Union may require you to provide us certain information in writing to help us investigate any unauthorized use. Further, you agree to cooperate and assist us or any goverament or law enforcement agent or agency in investigating, collecting or pursuing any other rights (civil and crimina}) relating te any unauthorized use. In this regard, you agree to file an appropriate police report when asked to do se. Do not use the Card or the Convenience Checks after you have notified the Credit Union, even if you find them or have them returned to you.   You are liable for ail transactions that you authorize. No Liability: You will have no liability for unauthorized use of your Card, Convenience Checks or other Access Devices for non-ATM transactions made over the Visa Network if the following conditions are met: (1) You have not been grossly negligent; and (2) You have not committed, participated in or conspired to commit any fraudulent act or scheme involving the use of your Card Account. Limited Liability: For transactions on other networks or ATM transactions, you may be liable for unauthorized transactions using your Card, Convenience Checks, or other Access Devices that occur before we are notified. However, your Habiity for unauthorized use on networks other than Visa® will not exceed $50.60. In any case, you will not be Hable for any unauthorized use after notifying us of the loss, thef or unauthorized use of your card, Convenience Checks or other Access Devices. 22, Default, You will be in default if; (a) you fail to pay the Minimum Payment Due by the Payment Due Date; (b} the Credit Union, in its sole discretion, feels insecure, for example; our good faith belief that your ability to pay your account is impaired; use of your account in any manmer or in any way that may expose the Credit Union to a risk of loss; (c) your ability to repay ig materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving you, by your death, or (for community property state residents only) by a change in marital status or domicile; (d) you exceed your credit limit without our permission; (¢) you have made a false or misleading statement to us i your application or otherwise; (f} you are in defauit under any other agreement with us; (a) if you use or authorize the use of any Card(s) to make or facilitate any illegal transaction; or (h) you fail fo perform any of your other obligations under the terms of this Agreement as it may be amended from time to time. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by Governing Law, demand immediate payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required oy applicable law. The Cedit Union’s sole obligation hereunder with regard to determining and declaring an event of default is the exercise of “good faith,” based on its subjective understanding of applicable facts. 23. Updating and Disclosing Financial Information. ; ; We may report your performance under this Agreement to credit reporting agencies and secure follow-up credit reports on you for any legitimate business reason, includig if you fail to make your minimum payments on time. We can reinvestigate and reevaluate any information you provide on yout VISA Application at any time, and in the course of doing so, we may ask you to provide additional information, request credit bureau reports and/or otherwise verify your current credit standing.   24, Access to Account Information. You agree that all borrowers and authorized users will have access to information regarding transactions on your Account, (including but not limited to) purchases and cash advances, account balances, account history, payments and other information relating to or arising with regard to this Account or any transaction. 25. rect i , + If you think the Credit Union reported erroneous information about you to a credit reporting agency, call the Credit Union at the telephone number listed on your monthly billing statement. The Credit Union will promptly investigate the matter, The Credit Union will contact each credit reporting agency whose records may reflect an error. The Credit Union will require them to correct your report if its investigation decides that you were correct, Ifthe Credit Union disagrees with you after the investigation, we will advise you, in writing or by phone, and instruct you how to submit to those agencies a statement of your position that will become a part of your credit record with them. The instructions will include the name, address, and phone number of each such agency, along with other pertinent information. 26. Insurance Protection. ; , . oo, if you elect insurance protection, as set forth in your application, then the charges will be added to your Account balance each month, if your application is approved. 27. Automatic Payment Transfer Option. ; . ; ; ; If you request fre Automatic Payment Transfer Option, ali Minimum Payments due will automatically be deducted from your designated Account on your Payment Due Date. If your designated account does not contain sufficient funds, no automatic deduction will be made, your account will be charged an overdraft fee (see Rate and Fee Schedule) and you will be responsible for making the payment by some other means. YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. if you think your bill ig wrong, or if you need more information about a transaction on your bill, write us {on a separate sheet) at the address listed on your bill as soon as possible. We must hear from you no later than 60 days after we sent you the first bil on which the error ot problem appeared. You can telephone us, but doing so will not preserve your rights. LOS/VISADCC 02-08-10 Page 4.in your letter, give us the following information: -Your name and account number -The dollar amount and date of the suspected error -Describe the error and explain, if you can, why you believe there is an error. if you need more information, describe the item you are not sure about. if you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report the amount as delinquent, We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obiigated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to the questioned amount. If we did not make a mistake, you may have to pay finance charges, and ou will have to make up any missed payments on the questioned amount. In either case, we will send you a ; statement of the amount you owe and the date that iti due. [f you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within 25 days tefling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill and we must tell you the name of anyone we reported you to. We reust tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow these rules, we cannot collect any portion of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CERTAIN CREDIT CARD PURCHASES If you have a problem with the quality of property or services that you purchase with a 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 property or services. There are two limitations on this right: a} You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address; 'b) The purchase price must have been more than $30,006, ‘These limitations do not apply if we own or operate the merchant, or if we mailed you.the advertisement for the property or services. Further, the credit union has no liability for any fort or related claims arising from such purchases. ATM CARD FEATURES AGREEMENT AND DISCLOSURES 1. Purpose. This Section of your Agreement defines your and the Credit Union’s rights and responsibilities with respect to the specific Transactions addressed. You understand that ai] agreements and rules and regulations applicable to your accounts and account services, as set forth in your Accounts and Services Agreement, remain in effect and apply to this Agreement, except as specifically modified in this Section. You agree to abide by this Agreement, and all rules, regulations and instructions of the Credit Union and the networks relating to the use of any Card and/or Access Device, as amended, modified or revoked. The Credit Union may not offer all services discussed in this Agreement at this time. Transactions involving a loan shall not alter the terms and conditions of such loan, but shail become a part of the loan agreement. Such transactions shall also remain subject to the terms and conditions of this Agreement, except where a conflict may arise, in which case the loan agreement shall] govern. 2. Types Of Electronic Funds Transactions, , . The mae Funds Transactions we are or may be capable of handling in the future are indicated below. Some of these services may not apply to your account(s).   a. Automatic Teller Machines (ATMs). The Credit Union will issue to you an ATM card and Personal Identification Number ("PIN") to be used to make transactions. You can use out ATM card at ATM’s displaying the name or logos of the Networks designated on the back of your Card. You can use your ATM card af the credit union’s ATMs to: 1) Withdraw cash frorn your share savings or checking accounts and advance your VISA® line of credit. 2) Check the balances in your share savings or checking accounts. 3) Transfer funds between your share savings or checking accounts. Some of these services may not be available at all terminals. b. Telephone Transactions. Telephone services are available as set forth in the “General Rules For Using TouchTone24" as set forth herein. c. Home Banking Services. CU Online or other electronic services are governed by this Agreement and the Home Banking Services Agreement. 3. General Rules For Using Your Access Device(s}.   a. Your Access Device(s) is for personal use only. You agree not to allow another person to use your Access Device(s) .b. You agree not to reveal any code, password or personal identification number (together referred to hereafter as "Access Code(s)") to another person and WILL NOT write or otherwise reproduce any Access Code(s) on any Access Device(s), computer, modem or other means that may be used to access accounts at the Credit Union, You are responsible for ail transactions made by you, an authorized user or anyone else who otherwise uses your Access Device(s) or Access Code(s) with your knowledge and consent. You are also responsible for unauthorized use of your Access Device(s) or Access Code(s) to the full extent allowed by applicablé law. In addition, any person other than yourself who uses your Access Device(s) or Access Code(s) is responsible for all transactions they make and for all transactions made by others with their permission. This does not limit your own responsibility. You agree to be responsible to maintain your Access Device(s) or Access Code{s} with maximum security. e. You authorize the Credit Union to debit/credit your accounts for all transactions as if each transaction were signed by you. Further, you agree that by acceptance or use of your Access Device(s) or Access Code(s) the Credit Union is authorized to pay from any account necessary to satisfy any transaction, fee or service charge that results from the use or raisuse of your Access Device(s) or Access Code(s). : ad. You acknowledge that your Access Device(s) or Access Code(s) remains the Credit Union's property and agree to surrender any Access Device(s) to the Credit Union or its agent upon demand or through retrieval by any electronic device or otherwise. ; e. — You agree to use caution when using any ATM or other electronic terminal to complete any transaction contemplated by this Agreement. You further agree that the Credit Union shall have no responsibility to you or any user, or be liable for any personal inj wy or property damage, which may occur as a result of any act before, during or after a transaction or other visit to any ATM location. You or any user assumes the risk of nighttime use of any ATM location or other electronic banking device. ; ; ; . An Access Device(s) may be issued to any member or joint owner of legal age when qualified under the rules, regulations, and bylaws of the Credit Union. Only one Access Device may be issued to each member or joint owner. If your Access euicels) or Access Code(s) is lost or stolen, you agree to notify the Credit Union immediately upon discovery of such loss or theft. Replacement Access Device(s} or Access Code(s} may be issued at the cost set forth in the Schedule. You agree to pay the Credit Union the fee in effect at the time for all copies that you request from us. : ; . The Credit Unicon shail not be responsible for the use or condition of any ATM or other electronic banking device il does not own. Further, the Credit Union shall not be responsible for any failure of an ATM or other electronic banking device to function except as specifically provided for by law. i. The Credit Union reserves the right to add or delete ATMs as it deems necessary. . . je You agree to hold the Credit Union harmless in its pursuit to locate, apprehend, and prosecute unauthorized use of any Access Device(s} or Access Code(s) issue by the Credit Union, and you agree to cooperate and assist the Credit Union and any government or law enforcement agent or agency im these efforts. You further agree that we may terminate any appiicable services if we, in our sole discretion, believe that you have failed to cooperate with us or others in the case of any claim of unauthorized use, if we feel that you have failed to maintain the security of any Access Device(s) or Access Code(s), or if we feel that such action is in cur best interests, Page 5. LOS/VISADCC 02-08-10k. The Credit Union reserves the right to make any changes in the daily withdrawal limits it deems necessary. De . wr Credit Union is not liable for any claims you may have against'a merchant, company or other financial institution arising from use of your Access eviceds). m. Dxcept as specificall y provided herein, the Credit Union cannot honor stop payment requests on any transactions. n. You agree that by acceptance or use ofan Access Device(s}, Access Code(s) or other Electronic Funds Transfer Services the Credit Union is authorized to pay from any account you have, jointly or otherwise, with the Credit Union any amount necessary to satisfy any transaction, fee or service charge that results from your use or misuse of such services. Further, you authorize the Credit Union to make an advance under any loan that you have with the Credit Union an amount sufficient to satisfy any transaction, fee or service charge that results from your use or misuse of such services. If it ig necessary to increase the amount of your Joan to satisfy any such amount, then you hereby authorize the Credit Union to do so. o. You will not obtam any Access Device(s) or Access Code(s} to make transactions on your accounts with us that is not issued or approved by us. 4, General Rules For Using TouchTone 24. a. The Credit Union will issue to you a Personal Identification Number (PEN) to be used to make transactions through our TouchToneé 24 service. Your TouchTone 24 PIN will be different from the PIN issued for using any ATM card issued by the Credit Union. You cannot use this service without your TouchTone 24 PIN. Your TouchTone 24 PIN is not transferable. You can use TouchTone 24 to make inquiries on your accounts, transfers between your accounts, transfers from your account(s) to someone else’s account(s}, check withdrawals, advances by transfer and check on a line-of-credit loan (if applied for and approved by the Credit Union), to change your TouchTone 24 PIN, and such other transactions as may become available. Example: You may transfer funds by telephone from your share or checking accounts provided the aggregate number of telephone transfers, automated transfers and pre-authorized transfers for your accounts does not exceed the limitations set forth in Sie Trath-in-Savings Act Disclosure in the Accounts and Services Membership Agreement. _ ¢ _ You agree that the General Rules for Using Your ATM Card apply to your use of TouchTone 24 and your TouchTone 24 PIN, where applicable including, but not limited to, your responsibility for the security of your FouchTone 24 PIN. d, ithdrawals from your Share Savings Account through TouchTone 24 are not included in the maximum number of withdrawals allowed per month. Such withdrawals will be mailed to the account owner by check. ; ce. We reserve the right to discontinue your access to TouchTone 24 at any time without notice. ; f. _ TouchTone 24 is available for your convenience twenty-four (24) hours a day, seven (7) days a week. Transactions made after our “daily cut-off time,” as defined in the Accounts & Services Membership Agreement, may be posted on the next business day we are open after the date of your transaction. 5. Making ATM Transactions. Your PIN will allow you to identify yourself when making an ATM transaction. The presentation of your ATM card together with the input of your PIN constitutes your authorization to the credit union fo make transactions. You agree to follow all instructions for use of ATMs accessible by your ATM card. Difficulties or complaints concerning the use or condition of any ATM should be reported directly to the Credit Union. Security or safety measures should be reported directly to the owner of any ATM not owned by the Credit Union. 6. Termination and Amendment, The Crédit Union reserves the right at any time to terminate your right to make transactions and to retrieve or ask for the immediate return of any ATM card it deems necessary without prior notice to you. If notification is required by law, notice will be mailed to you at the address shown on the Credit Union's share account records. It is the obligation of each member to provide address changes te the Credit Union. Any Access Device issued by the Credit Union may be revoked without notice to you in the event that any of the following conditions occur: Overdrafts occur as a result of insufficient or uncollected funds on an account. Any transaction occurs on your account(s), which results in a monetary loss to the Credit Union. Loan, VISA or other delinquency with the Credit Union. Forced closure of a share or checking account at the Credit Union due to misuse. Special balance requirements, if any, are not maintained by the member. Any other situation in which the Credit Union deems revocation to be in its best interest. me QO ote You may be charged a transaction fee for each Transaction as set forth in the Rate and Fee Schedule. The Credit Union reserves the right to establish and maintain transaction fees and charges, which may be modified from time to time. 9. Limitation or Frequency and Dollar Amounts of Transactions; , You may make any number of transactions between gout accounts or from your accounts as long as you stay within your available balance of collected funds and you observe the lirsitations on dollar amounts of transactions. For security reasons, you may be limited to the number of transactions you can make on a given day, whether or not you have withdrawn your maximum dollar amount.’ Transfers from a Share Savings Account or Checking Account to another account or to a third party by preauthorized, authorized, or telephone transfer are limited to six (6) per month as explained in the Accounts and Services Membership Agreement.   You may withdraw money at ATMs and make other transactions in a combined amount each day not to exceed the established daily limit, provided there are sufficient funds available in your account, 10. Stop Payment Order ("SPO"} For Transactions. _ ; : ; You cannot stop payment of any ATM or credit transaction using your Visa credit card.   11, Right to Documentation. a. Terminal Transactions. You can get a receipt at the time you make any transfer to or from your account using any automatic teller machine or a point-of-sale terminal. b. Direct Deposits. If you have arranged to have direct deposits made to your accounts al icast once every sixty (60) days from the same person or company, the person or company making the deposit will tell you every time they send us the money. You can cai] or write us at the telephone number or address listed in this Agreement to find out whether a deposit has been made. Ifthe only possible transfers to or from your accounts are direct deposits, you will get a statement from us at least quarterly. c.  Periodie Statements. You will receive a monthly account statement from us for your checking accounts, unless there are no transactions in a particular month, In any case, you wil! receive an account statement on ail accounts at least quarterly. 12. Liability For Failure to Make a Transaction. : : : . . Ifthe Credif Union does not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, the Credit Union may be liable for your losses or damages. However, there are some exceptions to this, which include the following:   You do not have enough money in your account to make the transaction through no fault of ours. The transaction goes over the credit limit on your overdraft line. The terminal where you were making the trarisaction does not have enough cash, ; The ATM terminal or other system was not working properly and you knew about the breakdown when you started the transaction. Circumstances beyond our control (such as fire, flood or electrical failure) prevent the transaction, despite reasonable precautions that we have taken. You have not properly followed instructions for operation of the ATM or system. The funds in your account are subject to legal process or other similar encumbrance. ooo The transaction would exceed one of the established limits contained in this Agreement or by other Credit Union agreements. _ Access to your account has been blocked after you have reported your ATM card(s) lost or stolen or you use a damaged or expired ATM card. I AS BO op 13. Information Disclosure. . ; . ; We will disclose information to third parties about your account or the transactions you make: (1) when it is necessary for completing transactions, or (2) in order to verify the existence and condition of your account fora third party, such as 2 credit bureau or merchant, or (3) in order to comply with government agency or court orders, or (4) if you give us your written permission. Page 6. LOS/VISADCC 02-08-1014. Business Day Disclosure, Our business days are Monday through Friday, excluding holidays. The Business Day cut-off time is 5:00 p.m. Mountain Time, afier which transactions wil} reflect an effective date of the calendar day you initiated the transaction, but a posting date of the next business day. Transactions that you initiated on non-business days are effective dated the date the transaction was initiated by you, but will reflect a posting date of the next business day. CU Online service may be interrupted for a short time each day for data processing. Dividends on accounts and finance charges on loans will de calculated utilizing the effective aie of the transaction. 15. in Case of Errors or Questions About Transactions. Phone us at 602-683-1000 for non-local at 1-800-523-4603) or write us at Arizona Federal, P.O. Box 60070, Phoenix, AZ 85082-0070, or at the telephone numbers or address provided in your monthly statements as soon as you can if you think your statement ar receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FERST statement on which the problem or error appeared; and you must provide us with the following information: a. Teil us your same and account number; : b, Describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more jaformation; and ¢. Tell us the dollar amount and date of the suspected error.   If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We wilt tel] you the results of our investigation within ten (10) business days* after we hear from you, and wil! correct any error promptly. However, if we need more time, we may take up to forty-five (45) days** to investigate your complaint or question. If we decide to do this, we wil] provisionally credit your account within ten (10) business days* for the amount you think is in error so xen will have the use of the money during the time i takes us to complete our investigation. (NOTE: If the error you assert is an unauthorized VISA® credit card transaction, other than a cash disbursement at an ATM, we will provisionaily credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive provisional credit within ten (10) business days.) If we ask you to put your complaint or question in writing, and we do not receive it within ten (10} business days, we may not provisionally credit your account. if we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Expenses incurred by the credif union to research disputed transaction(s) shall be paid by you when such transaction(s) are proven to have been authorized by you or made by an unauthorized user. Further, when we determine that there was no error or that the disputed transaction(s) was authorized, you will repay any amount we provisionally credit to your account(s). *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days as indicated above. ; **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the United States, its possessions or territories, we will have ninety (90) days instead of forty-five (45) days. Further, when rey ceemnine that there was no error or that the disputed transaction(s) was/were authorized, you agree to repay any amount provisionally credited $0 your account(s). 16. Your Liability For Unauthorized Transaction:   Tei] us AT ONCE if you believe your ATM Card or PEN has been lost or stolen. Telephoning is the best way of minimizing losses. Phone us at 602-683-1000 (or non-local at 1-800-523-4603) or write us at Arizona Federal, P.O. Box 60070, Phoenix, AZ 85082-0070. You could lose all the money in your account (plus your maximum overdraft line of credit}. if you tell us within two (2) business days, you can lose no more than $50.60 if someone used your ATM Card and PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the ioss or theft of your ATM Card or PIN and we can prove we could have stopped someone from using your ATM Card or PIN without permission if you had told us, you can lose as much as $500.00. Also, if your statement shows transactions that you did not make, tell us at once, Ifyou do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money-you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods. 17. Reporting A Lost Card, PIN, or TouchTone 24 PIN, If you believe that your ATM Card, PIN or TouchTone 24 PIN, has been lost or stolen or that someone has withdrawn or may withdraw money from your account phone us at 602-683-1000 or write us at Arizona Federal, P.O. Box 60070, Phoenix, AZ 85082-0070. If you recover your Card after you have notified us, DO NOT USE IT.   Page 7. LOS/VISADCC 02-08-10