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v¡brant  credit  union
19oo  52nd  Avenue

CREDIT  UNION

BORROWER,I

BORROWER  2

CREDIT  CARD  AGREEMENT

ACCOUNT  NUMBER

DATE

ln this Agreement,  "You" and "your''  mean any  person  who accepts this  Ag
designated by  you  under  the  terms of this Agreement  "We",  "us",  "our"  and
you  agree  to all of the  terms  and conc  ¡tions  set  forth herein.

reement  or uses  the Card  The "Card" means  any credit card issued  to  you or those
the  "Credit  Union"  means  Vibrant  Credit Union  or  its successors.  By  using  your  card,

THE GRANTING  OF  THIS SECURITY INTEREST  IS A CONDITION  FOR
THE ISSUANCE OF CREDIT UNDER  THIS  AGREEMENT.
YOU  SPECIFICALLY  GRANT US A  CONSENSUAL  SEGURITY
INTEREST  IN ALL  INDIVIDUAL  AND  JOINT ACCOUNTS  YOU  HAVE
WITH US NOW AND  IN THE FUTURE  TO SECURE  REPAYMENTOF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO AGREE
THAT  WE HAVE  SIMILAR  STATUTORYLIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW.  IF YOU ARE IN DEFAULT,WE  CAN  APPLY
YOUR SHARES TO THE  AMOUNT YOU OWE.
Shares and  deposits  in an  lndividual  Retirement  Account or any  other
account that would  lose  special tax treatment  under state or federal  law if
given are not  subject  to this security  interest.
lf you  have  other  loans  w¡th  us, collateral  securing  such loans  will  also
secure  your  obligations  under this Agreement,  unless that  other collateral
is your principal  residence  or non-purchase money  household  goods.

Using  Your Card.  You  can  purchase  or lease goods  and services from any
merchant  who honors  your Card,  and you may  obtain  cash advances  from
financial institutions  and ATM machines  that  accept the  Card,  up to your
maximum  credit l¡mit.  You agree  not  to present  your  Card  or obtain  a cash
advance  for  any extension  of credit in excess  of your available  credit limit;
however,  if you do  exceed  your credit limit, you agree  to make immediate
payment  sufficient to bring the balance  below  the  credit  limit.  Certain
purchases and cash advances requ¡re  authorization  prior  to completion  of the
transaction.  ln  some  cases, you may be asked to  prov¡de  ident¡fìcat¡on  lf our
system  is not working,  we  may  not  be  able  to author¡ze a transact¡on,  even
though you have  sufficient  credit ava¡lable.  Also,  for secur¡ty  reasons, we may
block  the use  of  your  Card  in certa¡n countries  or geographic  areas.  We will
have  no liability  to you  or others if any  of these events  occur.
Personal  ldent¡f¡cation  Number  (PlN). We  may issue a  Personal
ldentification  Number  (PlN) for  use  with your Card This  PIN is confidential
and should  not  be  disclosed to anyone You  may use  your PIN and your Card
to access your account, and all sums advanced  will  be added to your account
balance. ln the  event  a use of your PIN  constitutes  an  Electronic  Funds
Transfer,  the terms  and condit¡ons of your  Electronic  Funds Transfer
Agreement may  affect  your rights.

Promise  To Pay.You promise to pay us  in  U.S.  dollars  for (a) all  purchases,
cash advances,  and  balance  transfers  made by  you or anyone  whom you
authorize  to use  the Card;  (b) all lnterest  Charges  and  all other  charges  or
fees;  (c)  collection  costs  and  attorney's  fees as permitted  by  applicable  law,
and  any costs incurred in the recovery ofthe  Card;  and (d)  credit in excess of
your  credit limit  that  we may  extend  to you.

lllegal  Transactions:  You  agree that  your  Gard  and  account  will not be used
to make or facilitate  any illegal transactions  as determined  by applicable  law;
and  that any  such use w¡ll constitute an  event of default under  this  Agreement.
We may decline  any transaction that we  believe  to  be illegal under applicable
law,  including  but not limited  to any transaction  involving  or relating  to any
gambling  activity. You  agree  that we will have  no liability or responsibility  for
any such use by  you  or any authorized  use(s); or for declining  any  such
transaction.  You  further agree  to indemnify  and  hold  us harmless  from any
suits,  liability,  damages  or adverse  act¡on of any  kind that results  directly  or
indirectly from such  illegal  use.  You promise to pay  us any and all amounts
owing on your Card  for any transactions  made by you, even if the transaction
is determined  to be  illegal.

Joint  Accounts.  Each of you  will be responsible,  jointly  and severally,  for the
repayment  of amounts owed,  regardless  of who initiated any transaction
under  the  account.

Others  Us¡ng  YourAccount. lf you allow  anyone  else  to use your  account,
you will be liable  for  all credit extended to  such  persons. You  promise to pay
for all purchases  and advances  made  by  anyone  you  author¡ze to use  your
account,  whether or not  you notify us that  he or she will  be using  it. lf
someone  else is authorized  to use  your account  and you  want to end that
person's  privilege,  you must not¡fy  us in writing,  and  if he or she has a Card,
you must  return  that  Card  w¡th your  written  notice  for  it to  be effective.

Ownership  of Card. Your  Card  remains our property  and may  be cancelled
by us at any  time  without  notice.  You agree  to surrender  your Card  and to
discont¡nue  use  of the account  immediately upon  our request.

lnterest  Charges.  You  agree  to  pay interest at the rate(s) disclosed to you  at
the time  you open your account and as may  be changed from time to  time  in
accordance with  applicable  law. Average  Daily Balance  ¡ncluding new
transactionsi  lnterest Charges  will  accrue on your average daily balance
outstanding  during the  month  To  get the  average  daily  balance, we  take  the
beginning  balance  each day, add any new  purchases,  cash advances,
balance  transfers or other  advances,  and subtract any payments,  unpaid
interest  charges,  and  unpaid  late charges.  This gives us the  daily balance.
Then,  we add  up all the daily  balances  for the  billing cycle and divide that  by
the  number  of  days  in the  billing cycle.  We then  multiply  that  by the periodic
rate correspond¡ng  to the  Annual Percentage  Rate  on  your  account lf you
have  different  rates for purchases,  cash advances or balance  transfers,
separate  average  daily balances  for each  will be calculated  and  the
appropriate periodic  rate  is then applied  to each.

Grace Period  on Purchases  Only:  You  can avoid lnterest Charges on
purchases  by  paying the full amount of the new  balance for purchases  each
month by the date on which the  payment is due.  Otherwise, the  new balance
of  your  account,  and  subsequent  advances from  the  date they  are  posted to
the  account, will be subject to an lnterest  Charge.  You  cannot  avoid  lnterest
Charges  on cash advances  and  balance transfers;  even  if you  pay  the entire
cash  advance  balance or balance  transfer balance by the  payment due date,
you  will incur  the lnterest Charges accrued  from  the  date the cash advance or
balance  transfer is posted  to your  account.

Fees. ln addition to the lnterest  Charges  set  forth  above,  you  agree  to also
pay any and all  fees  thât you  incur as disclosed  to you on your  Truth-in-
Lending  Statement  or similar  disclosures  (as may  be  amended  from  time  to
time),  or as disclosed to you  during  the  term  of your  Card.
lf Your Gard  ¡s Lost  or Stolen  or if an Unauthorized  Use  Occurs.  You
agree to notifo us  immediately  if your  Card is ever  lost or stolen  or if an
unauthorized  use  may  have  occurred.  "Unauthorized  use" means the use of
the  Card  by someone  other  than  you  who  does  not have  actual,  implied  or
apparent  authority for such  use, and  from which  you  receive  no benefit. The
telephone  number to  call  is (800)  323-5109 You  agree  to follow  up your  call
with  not¡ce  in writing to us at: 1900 52nd  Avenue,  Moline, lL 61265. You  also
agree to assist  us  ¡n determ¡ning  the  facts, circumstances and other  pertinent
information  relating  to any loss,  theft or possible  unauthorized  use  of your
Card and comply with  such  procedures as we  may require in connection  with
our investigation.  You  will  be liable  for any  unauthorized  use  only  if we can
prove  that you  were grossly negligent in your use  or handling  of your Card,  or
if we can  prove  that  you used  your Card  fraudulently.

9011  LASER  FPDF Fl1s970  Rev 11-2015

page  1 of 3

COPYRIGHT  2009 Securian  Finencial  Group,  lnc.  All rights reserved

Minimum  Payment Due; Crediting  of Payments.  Payments  are  due  in the
amount  and on  the date  disclosed on your  billing statement.  lf your  payment
is received  by us on a business day  at the address  and  by the time
designated  on the billing statement,  it will be credited  to  your account on the
date  of receipt lf payment  is made  at any location  other  than the address
designated on  the periodic  statement, credit  for such payment  may be
delayed  up to five (5) days.  Payments  will be  applied  in any order  we
determine, subject  to applicable law

Late  or Partial Payments.  Any  payment  that  delays  the  reduction  of your
balance will increase your  total interest  costs.  Partial  payments or
prepayments will not delay  your  next scheduled  payment  - you will still  need
to  make  the  minimum scheduled  payment  by the  next scheduled due  date to
keep your  account  current  We  may accept  late payments,  partial  payments,
checks  or money  orders  marked  "payment  in full" and  such  action  shall not
constitute f¡nal settlement  of  your  account  or a waiver  or forgiveness  of  any
amounts  owing under  this Agreement.

Enforcement.  We  do  not lose our rights under this or any related agreement
if we delay  enforcing  them.  lf any prov¡sion  of this or any  related  agreement  is
determined  to be  unenforceable  or invalid,  all other  provis¡ons remain  in  full
force and  effect.

Returns and Adjustments.  Merchants  and  others  who honor the Card  may
give credit  for returns  or adjustments,  and they will do so  by submitting  a
credit slip which  will be posted to  your  account.  lf your  credits  and  payments
exceed  what you  owe us, the amount  will  be applied against  future  purchases
and cash advances.  lf the  credit balance  amount  is $1  or more, it will be
refunded  upon  your  written or verbal request.

Plan Merchant Disputes. We  are  not  responsible for  the  refusal of  any  plan
merchant or fìnancial  institution to honor your  Card.  Also, we are  not
responsible  for  goods or services  that  you  purchase  with  the Card unless: (a)
your purchase was  made  ¡n response to an advertisement  we  sent or
participated in sending  you; or (b) your purchase  cost more  than $50 and was
made from a plan  merchant  in your  state  or within 100  miles  of your  home;
and only if you  have  made  a good  fa¡th  aftempt,  but have been  unable  to
obtain  satisfaction  from  the plan  merchant. You must resolve  all other
disputes  directly with the plan merchant. We do not  warrânt any merchandise
or  serv¡ces  purchased  by  you  with  the  Card.

Statements  and Notices.  Statements and notices  will be mailed  to you at the
most recent  postal address  or e-mail  address  (if you  have elected  to receive
such documents  via electronic  means) you  have  given  us. Notice  sent to  any
one  of you will be considered notice  to all

Notification  of Address  Change, You  will notifu  us promptly  if you  change
your  address  for any reason.  ln order  to prevent  identity  theft,  your  identity
may  need  to be verified before  we act upon  the  notification.

Copy Received.  You  acknowledge  that you  have received  a copy of this
Agreement.

Governing  Law. This Agreement  shall be construed  under  federal  law  and
state law  in the state  in which we are primarily located,  and  the  venue shall be
located  in the  county  and state  in which  we are  primarily  located.  Operating
regulations  of Visa may  also apply.  This  Agreement ¡s  the  contract  that applies
to  all transactions even  though the  sales, cash advance,  convenience check,
credit  or other slips  you  sign  or receive  may  conta¡n  different  terms.
NOTICE  TO UTAH BORROIIERS; This  written  agreement  is a final
expression  of the agreement  between  you and the Credit  Union.  This  written
agreement may  not  be contradicted  by evidence ofany  oral  agreement

Default;  Acceleration;  Credit Suspens¡on; Collect¡on  Gosts.  You  will be in
default  if: (1)you  fail  to make  any payment on time; (2) if you  fail to keep any
promises  you have  made  under  this Agreement  or under  other Agreements
you  have  with  us;  (3) if you  die;  (4) if you file a petition in bankruptcy  or have  a
bankruptcy petition filed against  you, or if you  become  involved in any
insolvency,  receivership  or custodial  proceeding;  (5) if anyone attempts  to
take any of your funds held by us via legal process  or if you have  a judgment
or tax lien filed  aga¡nst  you; (6) if you make  any false, inaccurate,  or
misleading statements in any  credit  application or credit update;  or (7)  if we, in
good faith, believe  that  your  ab¡l¡ty to repay what  you  owe  is or soon will be
impaired,  or that  you are unwilling  to make  your payments.

lf you are  in default,  we  have  the right  to demand immediate  payment of your
full account  balance without  giving  you  notice.  lf immediate  payment  is
demanded, you  agree  to continue  paying interest  charges and  fees  until what
you owe  has  been paid, and any shares that were  g¡ven  as security for your
account  may  be applied  towards  what you owe. You agree  to pay  all
reasonable  costs  of  collection,  including court  costs  and  attorney's fees,  and
any  costs incurred ¡n the recovery  of the Card, subject  to applicable  law  Even
if your unpaid  balance  is less  than  your  credit  limit,  you  will  have  no credit
available  during any  t¡me  that any  aspect of your  account is in default.

Additional  Benefits/Card  Enhancements.  We may  from  time  to time  offer
add¡tional services  to your Account  at no addit¡onal cost  to you.  You
understand that we  are not  obligated  to offer  such services and may  withdraw
or  change  them at any  time.

Gonvenience Ghecks.  We  may,  at our discretion,  issue checks to you which
may be used for  any purpose other than  making a payment for credit to  your
account.  By  signing  such check, you authorize  us to pay  the  item for the
amount  indicated  and  post such amount  as a cash  advance  to your  account.
We do  not have to pay  any  item which would  cause  the outstanding  balance
in your account  lo exceed  your  credit limit.

Credit  lnformation.  We  may from  time to time  request  personal  informat¡on
from you or obtain  cred¡t  reports  from the credit reporting  agencies  for  the
purpose  of updating  your  credit status.  Yourfailure  to provide  such information
when  requested  by us may result  in suspension of credit priv¡leges  under this
Agreement, including your ability  to obtain  any future  advances  by any
means. You  authorize  us to  ¡nvestigate  your credit standing when  opening  or
reviewing  your accounl.  You  authorize  us to disclose  information  regarding
your account  to cred¡t  bureau  and  creditors  who  inqu¡re about your credit
standing.

Fore¡gn  Transactions;  Currency  Conversion.  Purchases and cash
advances  made ¡n foreign  currencies  will  be billed to  you in  U.S.  dollars. The
conversion  rate in dollars will  be a rate selected  by the card company from  a
range of rates  available  in wholesale  currency markets  for the applicable
central processing  date, which  rate may vary from the  rate  the card company
¡tself rece¡ves, or the governmenfmandated  rate in effect for the applicable
central  processing  date  in each  instance. All transact¡ons  processed  outside
of the United  States (which may include internet transactions)  w¡ll  be charged
a foreign  transaction  fee  in the  amount  disclosed  on your  Truth-in-Lending
Statement (as  amended  from  time to time).

Termination;  Change-in.Terms.We  may,  by  wr¡tten  notice,  terminate  th¡s
Agreement  at any t¡me,  subject  to applicable  law.  You may terminate  this
Agreement  by written  notice. Term¡nation  by either  party shall not affect  your
obligat¡on to repay  any  balance  on  your account  resulting  from  use of the
Card as  well  as  lnterest Charges  and fees  incurred.  We  may change  the
terms of this  Agreement,  including  the  method of calculating the periodic rate,
at any  time,  by written  notice, subject  to applicable  law. Use of the  Card
constitutes agreement  and  acceptance  of any change  in terms, unless
applicable  law requires  otherwise.  Our failure  to  exercise any of  our  rights or
to take  any  action shall not  constitute a waiver  of those rights,  or an
amendment or change in any  of the  terms of this Agreement

page  2 of 3

ACCOUNT  NU¡/IBER

BILLING  RIGHTS NOTICE

Your  Billing  Rights: Keep this Document  for Future Use
This notice  tells  you  about  your  rights  and  our responsibilities under  the Fair
Credit B¡lling  Act.
What  To Do lf You Find  A Mistake  On Your  Statement
lf you think there  is an error on your statement, write to us at the address(es)
listed  on your  statement.
ln your letter,  give  us the following  information:

1 Yourname  and  account  number.
2. The dollar  amount  of the  suspected  error.
3. lf you  think there  is an error on  your  bill, describe  what you believe  is

wrong  and  why  you  believe  it is a mistake.

You  must  contact us:
.  Within  60  days  after  the  error appeared  on  your statement.
.  At least  3 business days  before  an automated  payment  is scheduled,  if

you  want  to stop payment  on the amount  you  think is wrong.

You  must  not¡ñ/ us of any  potential  errors in wr¡ting.  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

When  we  rece¡ve your  letter,  we  must do two things:

1. W¡th¡n 30 days of  receiving your  letter,  we must tell you that we  rece¡ved
your letter.  We  will  also  tell you  if we have  already  corrected the  error.
2. Within 90  days of rece¡ving  your letter,  we  must  either correÇt the  error or

explain  to you why  we believe  the bill  is  correct.

delinquent on that amount.

While  we  investigate  whether or not  there has  been an error:
.  We  cannot  try to collect  the amount  in question,  or report  you  as
.  The  charge in question  may  remain  on your  statement,  and we may
.  While you do not  have to pay the  amount in question,  you  are
.  We  can  apply  any unpaid  amount against  your credit limit.

continue  to charge  you  ¡nterest  on  that  amount.

responsible  for  the remainder  of your balance

any interest  or other  fees related  to that  amount.

After  we finish our investigation,  one  of two th¡ngs will happen:
.  lf we  made a mistake:  You will not  have  to  pay  the  amount  in question  or
.  lf we do  not believe  there  was a mistake:  You will have to pay  the
amount in question, along  with applicable  interest and fees.  We will  send
you  a statement of the amount  you owe and  the date payment is due. We
may then  report you as delinquent  if you do not pay the amount we  think
you  owe.

lf you receive  our  explanation but  still believe  your bill  ¡s  wrong, you  must  write
to us within 10  days  telling  us that you still refuse  to pay.  lf you  do  so,  we
cannot  report you as del¡nquent without  also  reporting  that you are
questioning  your  b¡ll We must tell  you  the name of anyone to whom we
reported you  as  delinquent,  and we must  let those  organizations  know  when
the matter  has  been  settled between  us

lf we  do not  follow  all  of the  rules  above, you do not have to pay  the first  $50
of the amount you  question  even if your bill  is  correct.

Your  R¡ghts  lf You  Are Dissatisf¡ed  With  Your  Gredit  Card  Purchases

lf you are d¡ssatisfìed with the  goods  or services  that  you have purchased
with  your credit  card, and you  have  tr¡ed ¡n  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:

l. The  purchase  must  have  been  made  in your home  state  or within  100
miles of your cunent  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  cred¡t  card  for the purchase.  Purchases  made
with  cash advances  from an  ATM  or with a check that  accesses  your
credit  card  account  do not qualifr7.

3. You must not yet have  fully paid for the  purchase.

lf all of the criteria above are met  and  you are still dissatisfied  with the
purchase, contact us in writing at the  address(es) listed  on your  statement.

While  we  invest¡gate,  the same  rules  apply  to the d¡sputed  amount  as
d¡scussed  above. After we fìnish  our investigat¡on,  we will tell you  our
decision.  At that  point, if we think you owe an amount and you do not pay, we
may report  you  as  del¡nquent.

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