VISA CREDIT CARD AGREEMENTBORROWER'S NAME AND ADDRESSCO-BORROWER'S NAME AND ADDRESSACCOUNT NUMBERDATEINTHISAGREEMENT,"YOU"AND"YOUR"MEANANYPERSONWHOACCEPTSTHISAGREEMENTORUSESTHECARD.THE"CARD"MEANSANYCREDITCARDISSUEDTOYOUORTHOSEDESIGNATEDBYYOUUNDERTHETERMSOFTHISAGREEMENT."WE","US","OUR"ANDTHE"CREDITUNION"MEANSARIZONAFEDERALCREDITUNIONORITSSUCCESSORS."ACCOUNT"MEANSTHECREDITCARDACCOUNT."AUTHORIZEDUSER"MEANSANYPERSONWHOHASAUTHORITY,ORWHOANYOWNERHASGIVENINFORMATION,ACCESSDEVICE,ORDOCUMENTATION THAT ENABLES A PERSON TO ACCESS, WITHDRAW, MAKE TRANSACTIONS OR USE YOUR CARD.TRUTH-IN-LENDING STATEMENT1.2.3.4.InterestRatesandFees.TheratesandfeesthatapplytoyourAccountaredisclosedontheTruth-in-LendingStatement,whichratesandfeesmaychangefrom time to time in accordance with applicable law.PurchaseofOptionalProducts:Ifoffered,youmayapplyforoptionalloanprotectionproductssuchascreditinsuranceordebtprotection.Theseproductsarevoluntaryandarenotrequiredtoobtainaloanfromus.Thepremiumorfeefortheproduct(s)willbeaddedtotheoutstandingbalanceandbecomespartofyourminimummonthlyloanpayment.Wewillretainaportionofthisfeeascompensationforprovidingthisservice.Purchaseofoptionalproductsmayextend the time it takes to pay off your outstanding balance(s).Agreeingtorepayalladvancesyoutake.AlladvancesyoutakeundertheAccountmustbepaidback,evenifyoudon'tsignanypaperworkatthetimeof the advance. PledgingyoursharesanddepositsintheCreditUnion.Ifyoudefault,wemayapplythesharesanddepositsinanyofyouraccountstotheamountyouowe us. We may also prevent you from withdrawing shares and deposits if you are in default. Please see the Credit Card Agreement for complete details. AgreeingtoCross-Collateralization:Allothercollateralyouhavepledgedforanyotherloanwithus(exceptyourhomeandhouseholdgoods)willalsosecurethisAccount.ReleaseofLien:WewillnotreleasealienonanyofthecollateralyouhavepledgedunderotherloanswithusifyouaredelinquentorindefaultonyourAccount.Forexample:ifyouareindefaultofyourAccount,wewillnotreleaseourlienonyourvehicleloan, even if the vehicle loan is paid in full. Authorizingustoobtaincreditreports:YouauthorizeustoobtainacreditreportorothercreditinformationinconnectionwiththisAccount.WemayperiodicallyobtainandreviewyourcreditinformationwithoutnoticetoyouforaslongastheAccountisopenandwemayusethatinformationtochangethetermsorratesoftheAccountorterminatetheAccount,ortohelpcollectanyamountsunderthisAccount,orforanyotherpermittedpurposeunderapplicable law.CreditLimit:$See separate Truth-in-Lending Statement.BORROWER'S ACKNOWLEDGEMENT & SIGNATURESBy signing below, you understand and agree as follows:Acknowledgement:Bysigningbelow,youacknowledgethatyouhaveread,understandandacceptthetermsandconditionsofthisAgreementandtheTruth-in-LendingStatement.Youacknowledgethatyouhavereceivedcopiesofthesedocuments.Youalsoagreethatbyaccepting,usingoraccessingyourAccount, you are bound to the aforementioned documents.YougrantArizonaFederalandourthird-partyservicersoragentstherighttocontactyouonyourcellularphone(s)whenyoudeemnecessaryforaserviceorcollectioncall,and/orforotheraccount-relatedactivity.YougrantArizonaFederalandourthird-partyservicersoragentstherighttouseapre-recordedorartificial voice and/or an auto dialer function to reach you on your cell phone.OverdraftProtection:Bysigningbelow,youacknowledgetheAccountwillbeusedasaformofoverdraftprotection.NegativeInformationNotice:WemayreportinformationaboutyourAccounttocreditbureaus.Latepayments,missedpayments,orotherdefaultson your Account may be reflected in your credit report.IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT Tohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities,Federallawrequiresallfinancialinstitutionstoobtain,verify,andrecordinformationthatidentifieseachpersonwhoopensanAccount.Whatthismeansforyou:WhenyouopenanAccount,wewillaskforyourname,address,dateof birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.This is your Agreement and Disclosure Statement with Arizona Federal.  Please read it carefully and keep it for your records.  BysigninganApplicationfortheseservices,oryouruseorcontinueduseofanyAccountorAccountservicesafterreceivingthisVisaCreditCardAgreement,noticeofitsavailabilityornotificationofanychangeinterms,you,jointlyandseverally,agreethatyouunderstandandagreetothesetermsandconditions,asamended from time to time.BindingContract.ThisCreditCardAgreement,whichincludestheCreditCardAgreementandTruth-in-LendingStatement("Agreement"),isabindinglegalcontractthatwillgovernthetermsofalladvancesthatyouobtainunderthisAccount.YouonlysignoncetoopentheAccount;thereafter,youmayrequestadditional advances without signing any paperwork unless requested by us.By signing below, you are:page 1 of 89011 LASER FI14208 Rev 2-2013COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.BORROWER'S SIGNATUREDATEDATE*TRUSTEE**GUARANTORXX*TRUSTEE:Bysigningabove,Trustee(s)certifiesthathe/sheisthedulyauthorizedTrusteefortheTrustnamedherein,andisdulyauthorizedtoborrowmoneyonbehalfoftheTrust, to encumber Trust assets, and to execute this agreement.**GUARANTOR:Upondefault,thecreditunionmayseekimmediatepaymentfromtheguarantorofanyandallsumsdueontheloan.Theguarantorwaivesallnoticetowhichheorshe would otherwise be entitled by law.DATECO-BORROWER'S SIGNATUREDATE*TRUSTEE**GUARANTORXXEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryEntryVISAAGR 04/19/2013page 2 of 89011 LASER FI14208 Rev 2-2013COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.APPLICATION AND DISCLOSURES for DEBT PROTECTION PLANThisProductisOptional.YourpurchaseoftheDebtProtectionPlan("Plan")isoptional.WhetheryoupurchasethisprotectionwillnotaffectyourapplicationforcreditorthetermsofanyexistingcreditagreementyouhavewiththeFinancialInstitution.YoumaycanceltheProgramatanytime.SeetheProgramAgreement for an explanation of how the Program may be terminated.Application Eligibility:Tobeeligibletoapply,youmustmeetthefollowingconditions.BysigningthisApplication,youarestatingthat:(1)youareunderage70;(2)ifapplyingforDisabilityorInvoluntaryUnemploymentprotection:youarepresentlyworkingtwenty-four(24)ormorehoursperweek;(3)ifapplyingforInvoluntaryUnemployment:youarenotself-employed,andyouhavenotreceivedunemploymentbenefitswithinthepast2years.Death:CancelsloanbalanceBORROWER 1 SIGNATUREXBORROWER2SIGNATURE(ifapplyingforJointProtection)XDATEDATE$0.99JointBorrower's SignatureJointI ELECT:(Check only one box)Death:Cancels6PaymentsDisability:Cancels6PaymentsInvoluntaryUnemployment:Cancels6PaymentsSingleCostper$1,000monthlyoutstanding loan balance:$3.43Single*Benefit Maximums:UnderPlan2,DeathProtectioncancelsamaximumof$75,000.Cancellationslistedareperoccurrence.Monthly cancellations are limited to $1,000 per month.DisabilityandInvoluntaryUnemploymentProtectionsarelimitedtoatotalof$15,000.No, you do not wish to apply for the voluntary Debt Protection Plan at this time.(Borrower 1 signature)(Borrower 2 signature)Plan#392633Plan#392634Plan 1*:Plan 2*:BORROWER NAMEACCOUNT NUMBERYouacknowledgeandagreethat:(a)youmeettheeligibilityrequirementslistedabove.Ifitisdiscoveredthatyoudonotmeettheeligibilityrequirementsabove,yourparticipationinthePlanwillbeterminated,youwillreceivearefundofanyfeespaid,andanotherwisevalidclaimwillbedenied;(b)youhavereceivedandthoroughlyreadtheDebtProtectionPlanAgreement("Agreement"),andagreetoabidebythetermsoftheAgreement;(c)youauthorizethePlanfeestobeaddedtoyourloaneachmonth;and(d)youunderstandthatyoumaynotbeeligibleforallbenefitscontainedinthePlan.ThisdocumentisherebyincorporatedintoBorrower'sloandocumentationasiffullysetforththerein.Thereareeligibilityrequirements,conditions,andexclusionsthatcould prevent you from receiving benefits under the Program. See the Program Agreement for details.EntryVISAAGR 04/19/2013Youagreewearenotobligatedtoextendtoyoucreditforanyamountthatwouldcauseyouroutstandingbalancetoexceedyourmaximumcreditlimit,orforanyamountifyouroutstandingbalancealreadyexceedsyourmaximumcreditlimit.Anyincreaseinyourmaximumcreditlimitrequestedbyyou will require you to make a written credit application.Wereservetherighttorefusetohonoranyrequestforcredit,toreduceyourcreditlimitorterminateyourAccountatanytimeusingoursolediscretion,basedonchangesintheeconomy,yourcreditworthiness,orforanyotherreason not prohibited by law.CorrectingtheCreditUnion'sCreditReport.Ifyouthinkwereportederroneousinformationaboutyoutoacreditreportingagency,callusatthetelephonenumberlistedonyourmonthlybillingstatement.Wewillpromptlyinvestigatethematterandwillcontacteachcreditreportingagencywhoserecordsmayreflectanerror.Wewillrequirethemtocorrectyourreportiftheinvestigationdeterminesyouwerecorrect.Ifwedisagreewithyouaftertheinvestigation,wewilladviseyou,inwritingorbyphone,andprovideyouinstructionastosubmittingtothoseagenciesastatementofyourpositionthat will become a part of your credit record with them.InsuranceProtection.Ifyouelectinsuranceprotectionandyourapplicationisapproved,thenthechargeswillbeaddedtoyourAccountbalanceeachmonth.           AutomaticPaymentTransferOption.Ifyourequesttheautomaticpaymenttransferoption,allminimumpaymentsduewillautomaticallybedeductedfromyourdesignatedaccountonyourpaymentduedate.Ifyourdesignatedaccountdoesnotcontainsufficientfunds,noautomaticdeductionwillbemade,youraccountwillbechargedanoverdraftfee,andyouwillberesponsible for making the payment by some other means.OverdraftProtection.AvailablefundsfromthisAccountwillbeusedasaformofOverdraftProtection.Intheeventyourcheckingaccountisoverdrawn,availablefundswillbetransferredinasufficientamounttocovertheoverdraftandanyfeesassociatedwiththeoverdraft.AdvancesforoverdraftprotectionareconsideredcashadvancesandaresubjecttoapplicableInterestCharges.Thecreditunionhasnoobligationtonotifyyouof any advance under the Overdraft Protection Plan Agreement.InterestRateAdjustment(DefaultRate).WemayadjusttheinterestrateonyourAccountwheneveryourAccountistwo(2)minimumpaymentspastdue.WemaychangeyourinterestratetothehighestallowableAPR.Aftersix(6)consecutivebillingcyclesofyourAccountbeingpaidpursuanttothetermsofyouragreementwithus,wewillchangetheinterestratetotheratethatisthenapplicabletoyourAccount,whichwillbecomeeffectiveonthefirstdayof the billing cycle following the sixth consecutive billing cycle. SkipPaymentProgram.Atouroption,wemayofferyoutheopportunitytonotmake("skip")aminimumpaymentduringcertaindesignatedbillingcycles("skippaymentperiod").Ifyouskipapayment,youunderstandthatwewillcontinuetoapplyinterestchargestoyourAccount.Wehavenoobligationtoacceptyourapplicationforanyskippaymentperiodoffered,andyouauthorizeustoinvestigateyourcreditworthinessincludingobtainingconsumer credit reports.InformationDisclosure.WewilldiscloseinformationtothirdpartiesaboutyourAccountorthetransactionsyoumake:(1)whenitisnecessaryforcompletingtransactions,or(2)inordertoverifytheexistenceandconditionofyourAccountforathirdparty,suchasacreditbureauormerchant,or(3)inordertocomplywithgovernmentagencyorcourtorders,or(4)ifyougiveus your written permission.IllegalTransactions.YouagreethatyourCardandAccountwillnotbeusedtomakeorfacilitateanyillegaltransactionsasdeterminedbyapplicablelaw;andthatanysuchusewillconstituteaneventofdefaultunderthisAgreement.Wemaydeclineanytransactionthatwebelievetobeillegalunderapplicablelaw,includingbutnotlimitedtoanytransactioninvolvingorrelatingtoanygamblingactivity.Youagreethatwewillhavenoliabilityorresponsibilityforanysuchusebyyouoranyauthorizeduser(s);orfordeclininganysuchtransaction.Youfurtheragreetoindemnifyandholdusharmlessfromanysuits,liability,damagesoradverseactionofanykindthatresultsdirectlyorindirectlyfromsuchillegaluse.YoupromisetopayusanyandallamountsowingonyourCardforanytransactionsmadebyyou,evenif the transaction is determined to be illegal.Advances.Forpurposesofthisagreement,theterm"advance"meanscashadvance or balance transfer.UsingYourCard.YoucanpurchaseorleasegoodsandservicesfromanymerchantwhohonorsyourCard,andyoumayobtaincashadvancesfromfinancialinstitutionsandATMmachinesthataccepttheCard,uptoyourmaximumcreditlimit.YouagreenottopresentyourCardorobtainacashadvanceforanyextensionofcreditinexcessofyouravailablecreditlimit;however,ifyoudoexceedyourcreditlimit,youagreetomakeimmediatepaymentsufficienttobringthebalancebelowthecreditlimit.Certainpurchasesandcashadvancesrequireauthorizationpriortocompletionofthetransaction.Insomecases,youmaybeaskedtoprovideidentification.Ifoursystemisnotworking,wemaynotbeabletoauthorizeatransaction,eventhoughyouhavesufficientcreditavailable.Also,forsecurityreasons,wemayblocktheuseofyourCardincertaincountriesorgeographicareas.Wewill have no liability to you or others if any of these events occur.EachCardweissuewillhaveanexpirationdate.UponexpirationofyourCardyourAccountwillautomaticallyterminate;orwe,inoursolediscretion,may extend your Account and issue a new Card with a new expiration date.YoumaynottransferorassignyourAccountorCardtoanyotherperson.WemayassignortransferthisAccount,yourAccountbalance,orthisAgreementtoanotherperson,whowillhaveallofourrights.ThisAgreementisbindingon your heirs and legal representatives. YouauthorizeustohonoranypurchaseorcashadvanceyoumakebytelephoneormailonthisAccount.Youagreethatasignatureisnotnecessary as identification in such cases. Youagreethatwemayplaceatemporaryfreezeonallorpartofyourcreditlineanytimewereceivealargepayment($1,000.00ormore),byamethodotherthancash,certifiedfunds,orelectronictransfer.Insuchcases,wemayfreeze your credit line until payment is actually collected by us.PersonalIdentificationNumber(PIN).WemayissueaPersonalIdentificationNumber(PIN)forusewithyourCard.ThisPINisconfidentialandshouldnotbedisclosedtoanyone.YoumayuseyourPINandyourCardtoaccessyourAccount,andallsumsadvancedwillbeaddedtoyourAccountbalance.IntheeventauseofyourPINconstitutesanElectronicFundsTransfer,thetermsandconditionsofyourElectronicFundsTransferAgreement may affect your rights.PromiseToPay.YoupromisetopayusinU.S.dollarsfor(a)allpurchases,cashadvances,andbalancetransfersmadebyyouoranyonewhomyouauthorizetousetheCard;(b)allInterestChargesandallotherchargesorfees;(c)collectioncostsandattorney'sfeesaspermittedbyapplicablelaw,andanycostsincurredintherecoveryoftheCard;and(d)creditinexcessofyour credit limit that we may extend to you.CreditLimit.Yourmaximumcreditlimitwillbedisclosedatthetimeofloandisbursalandonyourmonthlystatement.Atourdiscretion,wemaychangeyourcreditlimitatanytime,andmayprovideseparatelimitsforpurchasesandforcashadvances.Wewillnotifyyouifwedo,eitherbymailorthroughyourmonthlybillingstatement.YourcontinueduseoftheCardwillshowyouragreementtoanysuchincrease.Ifyouobjecttoanincreaseinyourcreditlimit,youmustnotifyusinwriting.Uponreceiptofsuchnotice,yourcreditlimitwillbereducedtoitspriorlimit;however,youwillberesponsibletopaypromptlyanyamountsbywhichyouhaveexceededthereducedlimit.Youagreetopayanyamountsyouowethatexceedyourmaximumcreditlimit upon demand.page 3 of 8SECURITY:YOUSPECIFICALLYGRANTUSACONSENSUALSECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSYOUHAVEWITHUSNOWANDINTHEFUTURETOSECUREREPAYMENTOFCREDITEXTENDEDUNDERTHISAGREEMENT.YOUALSOAGREETHATWEHAVESIMILARSTATUTORYLIENRIGHTSUNDERSTATEAND/ORFEDERALLAW.THEGRANTINGOFTHISSECURITYINTERESTISACONDITIONFORTHEISSUANCEOFCREDITUNDERTHISAGREEMENT.IFYOUAREINDEFAULT,WECANAPPLYYOURSHARESTOTHEAMOUNTYOUOWE.SharesanddepositsinanIndividualRetirementAccountoranyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallawifgivenarenotsubject to this security interest. Ifyouhaveotherloanswithus,collateralsecuringsuchloansmayalsosecureyourobligationsunderthisAgreement,unlessthatothercollateralis your principal residence or non-purchase money household goods.  BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013page 4 of 8JointAccounts.Eachofyouwillberesponsible,jointlyandseverally,fortherepaymentofamountsowed,regardlessofwhoinitiatedanytransactionunder the Account.IftherearejointobligorsorauthorizedusersforthisAccount,eachofyouwillhave the right to use the Account to obtain loans pursuant to the terms.AnyjointobligatorhastherighttocancelthisAgreementbynotifyingusinwriting.Cancellationdoesnotrelieveanyobligorofliabilityforanyandallchargesincurredpriortocancellation.Eachobligatorisatalltimesresponsibleforallamountsborrowedbyanyauthorizeduser(s).Authorizedusersandotherusersmayalsoberequiredtorepaytheamountowedforchargestheymake;however,youremain,atalltimes,primarilyresponsiblefor all amounts owed.OthersUsingYourAccount.IfyouallowanyoneelsetouseyourAccount,youwillbeliableforallcreditextendedtosuchpersons.YoupromisetopayforallpurchasesandadvancesmadebyanyoneyouauthorizetouseyourAccount,whetherornotyounotifyusthatheorshewillbeusingit.IfsomeoneelseisauthorizedtouseyourAccountandyouwanttoendthatperson'sprivilege,youmustnotifyusinwriting,andifheorshehasaCard,you must return that Card with your written notice for it to be effective.YouagreethatallborrowersandauthorizedusersmayhaveaccesstoinformationregardingtransactionsonyourAccount,(includingbutnotlimitedto)purchasesandcashadvances,Accountbalances,Accounthistory,payments, and other information.OwnershipofCard.YourCardremainsourpropertyandmaybecancelledbyusatanytimewithoutnotice.YouagreetosurrenderyourCardandtodiscontinue use of the Account immediately upon our request.ElectronicDisclosures,Statements,Agreements,andNotices.Youspecificallyagreethatwemayprovidealldisclosures,statements,agreements,notices,amendments,revisionsandotherdocumentselectronically.InterestChargesonAccountBalance.AnInterestChargecomputedonadailyperiodicratewillbegintoaccruefornewPurchases,ifyoudonotpaythenewbalanceinfullwithin25daysafterthebillingdateofthestatementonwhichthenewPurchasesfirstappear.AnInterestChargecomputedonadailyperiodicratewillbegintoaccrueonthetransactiondateofpurchases(unlessthegraceperiodapplies),cashadvance(s),andbalancetransfers,andwillcontinuetobeimposeduntilyouhavepaidanyoutstandingbalancein full. The Credit Union calculates the Interest Charge as follows:TheInterestChargewillbefiguredbyapplyingthedailyperiodicrateindicatedontheTruthinLendingDisclosureStatementtotheaveragedailybalanceofpurchases,cashadvances,andbalancetransfersmultipliedbythenumberofdaysinthebillingcycle.Thedailyperiodicrateandannualpercentagerate(APR)tobeusedisdeterminedbytheaccounttypeapprovedbyuspursuanttothetermsofyourapplication.TheAPRforpurchases,cashadvances,andbalancetransfersmayvaryonamonthlybasis.WewillcalculatethevariableAPRbyaddingamargintotheratedisclosedastheU.S.PrimeRatereportedinthe"MoneyRate"tableoftheWallStreetJournal(paperversion)onthethirdTuesdayeachmonthoftheyear.Thenewvariableratewillbeappliedtoallexistingbalancesnotpaidinfullafteranyapplicablegraceperiod.Thevariableratewillnotbehigherthan18%orasotherwiseorderedbytheNationalCreditUnionAdministration(NCUA)Board.Yourvariableratewillbeselectedfromthefollowingseven(7)APRtiersbasedonindividualcreditworthinessandourunderwritingstandards.Yourvariableratewillbedisclosedtoyouineachmonthlystatement.                     APR Prime +   4.49%APR Prime +   6.24%               APR Prime + 12.74% APR Prime + 13.74%APR Prime + 14.74%               APR Prime + 15.74%APR Prime + 17.74%Fees.InadditiontotheInterestChargessetforthabove,youagreetoalsopayanyandallfeesthatyouincurasdisclosedtoyouonyourTruth-in-LendingStatementorsimilardisclosures(asmaybeamendedfromtime to time), or as disclosed to you during the term of your Card.ATMAccess.Ownersofnon-proprietaryATMsmaychargefeesinadditiontofeesdisclosedinthisAgreementorthefeeschedule.WewilladdthesefeestoyourAccount.Theotherownersarerequiredtoprovideappropriatedisclosures to you with regard to any such fees.IfYourCardisLostorStolenorifanUnauthorizedUseOccurs.YouagreetonotifyusimmediatelyifyourCardiseverlostorstolenorifanunauthorizedusemayhaveoccurred."Unauthorizeduse"meanstheuseoftheCardbysomeoneotherthanyouwhodoesnothaveactual,impliedorapparentauthorityforsuchuse,andfromwhichyoureceivenobenefit.Thetelephonenumbertocallis602-683-1000(inMaricopaCounty)or800-523-4603(outsideMaricopaCounty).Youagreetofollowupyourcallwithnoticeinwritingtousat:ArizonaFederalCreditUnion,P.O.Box60070,Phoenix,AZ85082-0070.Youalsoagreetoassistusindeterminingthefacts,circumstancesandotherpertinentinformationrelatingtoanyloss,theftorpossibleunauthorizeduseofyourCardandcomplywithsuchproceduresaswemayrequireinconnectionwithourinvestigation.YouwillbeliableforanyunauthorizeduseonlyifwecanprovethatyouweregrosslynegligentinyouruseorhandlingofyourCard,orifwecanprovethatyouusedyourCardfraudulently.DonotusetheCardafteryouhavenotifiedtheCreditUnion,evenifyoufindthem or have them returned to you.MinimumPaymentDue;CreditingofPayments.Paymentsaredueintheamountandonthedatedisclosedonyourbillingstatement.PaymentsreceivedatastaffedbranchtellerlinewillbecreditedtoyourAccountthatday.Mailedpaymentstotheaddressdisclosedonyourbillingstatementreceivedby5:00p.m.willreceivecreditthatday.Mailedpaymentstotheaddressnotedonyourbillingstatementreceivedafter5:00p.m.willbeappliedonthenextbusinessday.Ifpaymentismadeatanylocationotherthantheaddressdesignatedontheperiodicstatement,creditforsuchpaymentmaybedelayeduptofive(5)days.Paymentswillbeappliedinanyorder we determine, subject to applicable law.YoucanpayoffyourAccountbalanceinfulleachmonthoryoucanpayinmonthlyinstallments.Refertoyourmonthlyperiodicstatementforyournextpaymentduedate.Ifyoudonotpayyourbalanceinfull,youagreetopayatleastaminimumpaymentof2.7%ofyournewbalance(roundedtothenearestwholedollar)or$20.00,whicheverisgreater.Ifthenewbalanceshownonyourperiodicstatementis$20.00orless,youagreetopaythisamount.UnlesswetakeotheractionasaresultofadefaultunderthisAgreement,theminimumpaymentduewillalsoincludeanyamountthatispastdueandanyamountbywhichyournewbalanceexceedsyourcreditlimit.Paymentsandcreditswillbeappliedfirsttopaybilledbutunpaidinterestcharges,latecharges,andsimilarchargesandnexttopaycashadvancesandpurchases.Youmustpayatleasttheminimumpaymenteachmonth,butyoumaypaymorethanthatamountatanytimewithoutapenalty.Thesooneryoupayyournewbalance,thelessyouwillhavetopayininterest charges.Default;Acceleration;CreditSuspension;CollectionCosts.Youwillbeindefaultif:(1)youfailtomakeanypaymentontime;(2)ifyoufailtokeepanypromisesyouhavemadeunderthisAgreementorunderotherAgreementsyouhavewithus;(3)ifyoudie;(4)ifyoufileapetitioninbankruptcyorhaveabankruptcypetitionfiledagainstyou,orifyoubecomeinvolvedinanyinsolvency,receivershiporcustodialproceeding;(5)ifanyoneattemptstotakeanyofyourfundsheldbyusvialegalprocessorifyouhaveajudgmentortaxlienfiledagainstyou;(6)ifyoumakeanyfalse,inaccurate,ormisleadingstatementsinanycreditapplicationorcreditupdate;or(7)ifwe,ingoodfaith,believethatyourabilitytorepaywhatyouoweisorsoonwillbeimpaired, or that you are unwilling to make your payments.Ifyouareindefault,wehavetherighttodemandimmediatepaymentofyourfullAccountbalancewithoutgivingyounotice.Ifimmediatepaymentisdemanded,youagreetocontinuepayinginterestchargesandfeesuntilwhatyouowehasbeenpaid,andanysharesthatweregivenassecurityforyourAccountmaybeappliedtowardswhatyouowe.Youagreetopayallreasonablecostsofcollection,includingcourtcostsandattorney'sfees,andanycostsincurredintherecoveryoftheCard,subjecttoapplicablelaw.Evenifyourunpaidbalanceislessthanyourcreditlimit,youwillhavenocredit available during any time that any aspect of your Account is in default.BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013page 5 of 8LateorPartialPayments.Anypaymentthatdelaysthereductionofyourbalancewillincreaseyourtotalinterestcosts.Partialpaymentsorprepaymentswillnotdelayyournextscheduledpayment-youwillstillneedtomaketheminimumscheduledpaymentbythenextscheduledduedatetokeepyourAccountcurrent.Wemayacceptlatepayments,partialpayments,checksormoneyordersmarked"paymentinfull"andsuchactionshallnotconstitutefinalsettlementofyourAccountorawaiverorforgivenessofanyamounts owing under this Agreement. Enforcement.Wedonotloseourrightsunderthisoranyrelatedagreementifwedelayenforcingthem.Ifanyprovisionofthisoranyrelatedagreementisdeterminedtobeunenforceableorinvalid,allotherprovisionsremaininfullforce and effect.Youwaivetherighttoreceivenoticeofanywaiverordelayofpresentment,demand,protestordishonor.YoualsowaiveanyapplicablestatuteoflimitationstothefullextentpermittedbylawandanyrightyoumayotherwisehavetorequiretheCreditUniontoproceedagainstanypersonbeforesuingyou to collect.ReturnsandAdjustments.MerchantsandotherswhohonortheCardmaygivecreditforreturnsoradjustments,andtheywilldosobysubmittingacreditslipwhichwillbepostedtoyourAccount.Creditbalancesinexcessof$1.00willbetransferredtoyourshareaccountwithin30daysofthelastactivity.PlanMerchantDisputes.WearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourCard.Also,wearenotresponsibleforgoodsorservicesthatyoupurchasewiththeCardunless:(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or(b)yourpurchasecostmorethan$50andwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome;andonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant.Youmustresolveallotherdisputesdirectlywiththeplanmerchant.Wedonotwarrantanymerchandiseor services purchased by you with the Card. StatementsandNotices.Statementsandnoticeswillbemailedtoyouatthemostrecentpostaladdressore-mailaddress(ifyouhaveelectedtoreceivesuchdocumentsviaelectronicmeans)youhavegivenus.Noticesent to any one of you will be considered notice to all.NotificationofName,Address,andEmploymentChanges.Youwillnotifyuspromptlyifyouchangeyourname,address,oremploymentforanyreason.Inordertopreventidentitytheft,youridentitymayneedtobeverifiedbefore we act upon the notification.MoneyTransferServices.IfyoureceiveanytransmittalamountfromanyMoneyTransferService(MTS)provideryouagreetolimitthedailyamountto$2,500.WemayincreaseordecreasethislimitfromtimetotimeoracceptordeclineanyMTSrequestinoursolediscretionorasallowedbyregulation.EachtransmittalamountthatissenttoyourCardwillgenerallyposttoyourCardwithintwobusinessdaysafterwereceivethetransmittalamountfromthe sender.CopyReceived.YouacknowledgethatyouhavereceivedacopyofthisAgreement.  GoverningLaw.ThisAgreementshallbeconstruedunderfederallawandstatelawinthestateinwhichweareprimarilylocated,andthevenueshallbelocatedinthecountyandstateinwhichweareprimarilylocated.OperatingregulationsofVisamayalsoapply.ThisAgreementisthecontractthatappliestoalltransactionseventhoughthesales,cashadvance,conveniencecheck,creditorotherslipsyousignorreceivemaycontaindifferent terms.AdditionalBenefits/CardEnhancements.WemayfromtimetotimeofferadditionalservicestoyourAccountatnoadditionalcosttoyou.Youunderstandthatwearenotobligatedtooffersuchservicesandmaywithdrawor change them at any time.Inordertoreceivetherewardcardbenefit(pointsstoredandavailableforuse)yourAccountmustbeopenandingoodstanding(i.e.,notcancelledorterminatedbyeitherparty)atthetimeyourrequestismadetoredeemsuchpoints.TheCreditUnionreservestherighttosuspendyourparticipationintherewardprogramatanytime.OnceyourAccountisclosedthepointsareforfeitedandmaynotberestoredifyouqualifytore-openand/oropenanother credit card account.ConvenienceChecks.Wemay,atourdiscretion,issuecheckstoyouwhichmaybeusedforanypurposeotherthanmakingapaymentforcredittoyourAccount.Bysigningsuchcheck,youauthorizeustopaytheitemfortheamountindicatedandpostsuchamountasacashadvancetoyourAccount.Wedonothavetopayanyitemwhichwouldcausetheoutstandingbalancein your Account to exceed your credit limit.CreditInformation.Wemayfromtimetotimerequestpersonalinformationfromyouorobtaincreditreportsfromthecreditreportingagenciesforthepurposeofupdatingyourcreditstatus.YourfailuretoprovidesuchinformationwhenrequestedbyusmayresultinsuspensionofcreditprivilegesunderthisAgreement,includingyourabilitytoobtainanyfutureadvancesbyanymeans.YouauthorizeustoinvestigateyourcreditstandingwhenopeningorreviewingyourAccount.YouauthorizeustodiscloseinformationregardingyourAccounttocreditbureauandcreditorswhoinquireabout your credit standing.Multi-CurrencyInternationalServiceAssessmentFee.ChargesforTransactions in Foreign Currency and Cross Border Transactions.CurrencyConversionFee.IfyoueffectorauthorizeatransactionwithyourcardinacurrencyotherthanUnitedStatesdollars,VISAwillconvertthechargeintoaUnitedStatesdollaramount.TheVisacurrencyconversionprocedureincludesuseofeitheragovernmentmandatedexchangerate,orawholesaleexchangerateselectedbyVisa,asapplicable.TheexchangerateVisauseswillbearateineffectonthedaythetransactionisprocessed.ThisratemaydifferfromtherateineffectonthedateofthepurchaseorthedatethetransactionwaspostedtoyourAccount.Acurrencyconversionfee,asdisclosedonyourTruth-in-LendingStatementandRateandFeeSchedule,willbeappliedtotransactionsthatareconvertedfromforeigncurrenciestoUnited States dollars.Cross-BorderTransactionFee.Inaddition,VISAchargesusacross-borderassessmentoneachtransactiononallcross-bordertransactionsregardlessofwhetherthereisacurrencyconversion.Forpurposesofthissection,"cross-bordertransaction"shallincludeboth(a)transactionsinitiatedinaforeigncountry,whicharesubsequentlysettledintheUnitedStates,and(b)transactionsinitiatedintheUnitedStatesbutwhichareultimatelysettledinacountryoutsideoftheUnitedStates.Wewillassesscross-borderfees,asdisclosedonyourTruth-in-LendingStatementandRateandFeeSchedule,toyoutoreimburseusforthefeewearerequiredtopayforeachofyourtransactionssubjecttotheseterms.Thefee(s)willbeshownonyourperiodicbilling statement(s).Termination;Change-in-Terms.Wemay,bywrittennotice,terminatethisAgreementatanytime,subjecttoapplicablelaw.YoumayterminatethisAgreementbywrittennotice.TerminationbyeitherpartyshallnotaffectyourobligationtorepayanypaymentsmadeforyourAccountresultingfromuseoftheCardaswellasInterestChargesandfeesincurred.WemaychangethetermsofthisAgreement,includingthemethodofcalculatingtheperiodicrate,atanytime,bywrittennotice,subjecttoapplicablelaw.UseoftheCardconstitutesagreementandacceptanceofanychangeinterms,unlessapplicablelawrequiresotherwise.Ourfailuretoexerciseanyofourrightsortotakeanyactionshallnotconstituteawaiverofthoserights,oranamendment or change in any of the terms of this Agreement.Thisisavariableratecreditcard.Changesininterestratescorrespondingtochanges in the index do not constitute a change in terms.Youagreethatanylawsuitbasedonacauseofactionagainstusmustbefiledwithinoneyearfromthedateitarises,oryoushallbebarredfromfilinganylawsuit.Thislimitationincludestort,contract,andallothercausesofaction for which you and we may lawfully contract to limit.BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USEThisnoticetellsyouaboutyourrightsandourresponsibilitiesunderthe Fair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIfyouthinkthereisanerroronyourstatement,writetousattheaddress(es)listed on your statement.In your letter, give us the following information:While we investigate whether or not there has been an error:Your name and account number.The dollar amount of the suspected error.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrong and why you believe it is a mistake.1.2.3.You must contact us:Within 60 days after the error appeared on your statement.Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyou want to stop payment on the amount you think is wrong.--Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhave to pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedthe error. Within90daysofreceivingyourletter,wemusteithercorrecttheerroror explain to you why we believe the bill is correct.1.2.After we finish our investigation, one of two things will happen:Wecannottrytocollecttheamountinquestion,orreportyouasdelinquent on that amount.Thechargeinquestionmayremainonyourstatement,andwemaycontinue to charge you interest on that amount.Whileyoudonothavetopaytheamountinquestion,youareresponsible for the remainder of your balance.We can apply any unpaid amount against your credit limit.----Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled between us.Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdue on the purchase. To use this right, all of the following must be true:Ifwemadeamistake:Youwillnothavetopaytheamountinquestionor any interest or other fees related to that amount. Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamount we think you owe.--Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifwe own the company that sold you the goods or services.)Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyour credit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase, contact us in writing at the address(es) listed on your statement.Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent.page 6 of 8BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013page 7 of 89011 LASER FI14208 Rev 2-2013COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.PROGRAM AGREEMENT for DEBT PROTECTION PLANDEFINITIONSEffectiveDatemeansthatdateonwhichyourPlanbecomeseffective,whichisthelaterof:(1)thedateyouenrollin,andyoureligibilityisapprovedfor,thePlan; or (2) the date of your first advance under a protected open-end credit plan.Presentlyworkingtwenty-four(24)ormorehoursperweek:Thistermmeansthatyouareactivelyworkingforincomefortwenty-four(24)hoursormoreperweek.Workingmeansactuallyperformingyourjobdutiesandnotoffofworkdueto:leaveofabsence;layoff;routineorseasonalworkinterruption;oranyother reason.OutstandingBalanceandPayment:"OutstandingBalance"meanstheoutstandingloanbalanceasofthedateaProtectedEventoccurs."Payment"meanstheminimummonthlyloanpaymentscheduledunderyourloanagreement.OutstandingBalanceandPaymentbothrefertotheprotectedamountunderthePlanandincludeprincipal,interest,thePlanfeeandanyamountswhichthecreditorandborroweragreedtofinanceaspartoftheloanatthetimethecreditisextended.Itdoesnotincludelatefeesorotherfees;realestatetaxesorpropertyinsurancepremiums;oranyamountthatrepresentsdefaultsinscheduledpaymentsofeitherinterestorprincipal.Ascheduledlump-sumBalloonpaymentwillonlybeprotectediftheProtectedEventcancelstheOutstandingBalance.Additionally,anyadvancetakenduringanyperiodofInvoluntaryUnemploymentorDisabilitywillnotbeprotectedandthepaymentforthatadvancewill not be cancelled. You will be responsible for re-paying any amounts that are not cancelled.Pre-existingcondition:meansaconditionforwhichyoureceivedorhadmedicaltreatment,adviceordiagnostictestseitherforthatsameconditionorarelatedconditionwithinthesix-monthperiodimmediatelypriortotheEffectiveDateandimmediatelypriortoeachandeveryadvancetaken.However,anyProtectedEventresultingfromanysuchconditionorarelatedconditionwillnotbeexcludediftheProtectedEventcommencessixmonthsormoreaftertheEffective Date of protection or six months or more after the advance is taken.TERMSOFPROTECTIONWhoiseligibleforprotection?ThisPlanprotectsaneligibleBorrower("Borrower1")againstProtectedEventsthatoccurwhileyouareenrolledinthePlan("SingleProtection").YoumayalsoelectprotectionforaCo-Borrower("Borrower2")againsttheProtectedEventswithinthePlanpurchased("JointProtection"). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection.WhattypesofloansareeligibleforprotectionunderthePlan?ThefollowingtypesofloansareeligibleforprotectionifthePlanismadeavailabletoyouon that loan type:Plan1:closed-endconsumerloans;open-endconsumercreditplansandunsecuredlinesofcredit;creditcards;closed-endhomeequityloans(e.g.secondmortgages); and home equity lines of credit.Plan2:closed-endconsumerloans;open-endconsumercreditplansandunsecuredlinesofcredit;andcreditcards.WhatisthePlanFeeandhowisitcollected?ThePlanFeeistheamountyoupayfortheProtection.Itiscalculatedbyapplyingtherateper$1,000ofyourmonthlyoutstandingbalanceorloanamountandwillbechargedandcollectedmonthly.Forclosed-endloans,thefeebecomespartofyourrequiredmonthlyloanpayment,ifyouchoosethatoption,orthetermofyourloanwillbeextended.Foropen-endloans,orifDebtProtectionisaddedafterthestartofyourloan,thefeemaybeaddedtoyouroutstandingbalanceasanadvanceeachmonthwithoutincreasingyourminimummonthlypaymentdue.Thismayincreasethetimeittakestofullyre-paytheloanandinterestwillaccrueonthedebtprotectionadvance.Ifyoufailtopaythefee,wecancanceltheprotectionor, at our option, add the fee to your outstanding balance upon which it will accrue interest. Such addition may extend the term of your loan.  CanthePlanFeeandtermsofthisAgreementChange?Yes.WecanchangethetermsofthisAgreement,includingtherates,atanytime.Ifwedoso,you will be provided prior notice and an opportunity to cancel your Agreement under the Plan.CanthisAgreementbecontested?Yes.Ifwefindthatyoudidnotmeettheeligibilityrequirementsatthetimeofyourapplication,yourprotectionunderthePlan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied.PROTECTEDEVENTSThe following describes the types of Protected Events and the protection afforded under each Plan:AsusedinthisDebtProtectionPlanProgramAgreement("Agreement"),"You","Your"or"Borrower"meanstheperson(s)whoareobligatedtorepayaloantouswhohavepurchaseddebtprotectionunderthisAgreement."We","Our","Us"meansArizonaFederalCreditUnion,333N.44thStreet,Phoenix,AZ85008."PlanAdministrator"meansMinnesotaLifeInsuranceCompany,400RobertStreetNorth,St.Paul,Minnesota,55101,oroneofitsaffiliates,oracontracted third party.ThisAgreementamendsyourloanorcreditagreement.ByenrollinginthisDebtProtectionPlan("Plan"),youagreetoabidebythetermsofthisAgreement.The Debt Protection Application is a part of this Agreement and is hereby incorporated as if fully set forth herein.DEATH(Plans1&2;JointProtectionAvailable)What is the Death benefit?Plan1:Ifyou,oryourjointborrowerprotectedunderaJointPlan,dies,wewillcanceluptosix(6)consecutivePaymentsasofthedateofdeath.Ifbothprotected Borrowers die simultaneously, we will cancel twelve (12) Payments.Plan2:Foreachprotectedborrower,wewillcanceltheamountofyourOutstandingBalanceasofthedateofdeath,upto$75,000.IftwoprotectedBorrowers die simultaneously, we will cancel the Outstanding Balance, up to $75,000.  In no event will an excess of $75,000 be cancelled.DISABILITY(Plan1;JointProtectionAvailable)What does Disability mean and how do I qualify for Disability? Disabilitymeansyourcontinuousinability,duetosicknessorinjury,toperformthesubstantialandmaterialdutiesofyourregularoccupationandyouareundertheregularcareandtreatmentofalicensedphysicianorlicensedhealthcareprovider.ToqualifyforDisabilityprotection,youmustbedisabledfor30consecutive days.  Benefits begin to accrue on the thirty-first (31st ) day that you are disabled.What amounts will be cancelled under the Disability protection?ForeachoccurrenceofDisability,wewillcancel1/30thofthePaymentforeachdaythatyouaredisabledbeginningwiththethirty-first(31st)dayofDisabilityandcontinuingforuptosix(6)Paymentcancellations.However,cancellationswillimmediatelyceaseifyourecoverorreturntowork;oriftheloanispaidoff,isrefinanced,orisdischargedforanyreason.Cancellationislimitedtoatotalof$15,000overthetermoftheloanpereachprotectedBorrower,regardlessofthe number of occurrences.  The maximum monthly cancellation is $1,000.Whatifthesameorrelateddisabilityoccurs?Please see the "What if I suffer a recurrence" question in the General Provisions section below.BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013page 8 of 8Exclusions apply to both the Outstanding Balance and any and all advances under an open-end credit plan.BenefitswillnotbeprovidedunderanyProtectedEventiftheProtectedEvent:(1)isduetosuicidecommittedwithinthefirst2yearsofprotection;(2)isduetoanintentionallyself-inflictedinjury;(3)isduetoaPre-existingCondition;(4)results from war or any act of war, whether declared or undeclared; or (5) occurs on or after your 70th birthday.The following exclusions apply in addition to the above:BenefitswillnotbeprovidedunderDisabilityprotectionif:thedisabilityisrelatedtoanormalpregnancy,normalchildbirth,orelectiveabortions.Complicationsduetopregnancyorchildbirthwillonlybeprotectedifthecomplications themselves are the cause of the disability.BenefitswillnotbeprovidedunderInvoluntaryUnemploymentprotectionif:(1)yourjobisterminatedbecause:(a)youretire;(b)youquitorresignyouremploymentforanyreason;(c)youloseyouremploymentdueto:(i)willfulorcriminalmisconduct;(ii)anormal,routineorseasonalshut-down;(iii)dischargefromactivemilitaryservice;(iv)disabilitycausedbysicknessorinjury;or(v)astrike,lockout,orlabordispute;(2)theinvoluntaryunemploymentcommenceswithin90daysafteryourEffectiveDate;or(3)youreceivedunemploymentbenefits within 2 years prior to applying for the Plan.GENERALPROVISIONSEXCLUSIONSINVOLUNTARYUNEMPLOYMENT(Plan1;JointProtectionAvailable)What does Involuntary Unemployment mean and how do I qualify for protection?Involuntary Unemployment means that you involuntarily lost your full-time employment and you are eligible for, and are receiving, unemployment benefits.To qualify for Involuntary Unemployment protection, the following requirements must be met:1.Youareinvoluntarilyunemployedfor30consecutivedays;and2.YouarereceivingunemploymentbenefitsfortheperiodofunemploymentforwhichyouaremakingaclaimunderthisAgreement.What amounts are cancelled under Involuntary Unemployment protection?Wewillcancel1/30thofthePaymentforeachdayyouareinvoluntarilyunemployed,beginningwiththethirty-first(31st)dayofInvoluntaryUnemploymentandcontinuingfor:(a)uptosix(6)PaymentcancellationsperoccurrenceofInvoluntaryUnemploymentor(b)untilyoudiscontinuereceivingunemploymentbenefitsforanyreasonor(c)youregainemployment;whicheverisearlier.Cancellationislimitedtonomorethan$15,000overthetermoftheloanpereachprotected Borrower, regardless of the number of occurrences. The maximum monthly cancellation is $1,000.How do I obtain benefits and verify a Protected Event under the Plan? ToobtainbenefitsunderthePlan,youmustnotifyusofaProtectedEventwithin30daysorassoonaspossible,butnolaterthansix(6)monthsaftertheoccurrenceoftheProtectedEvent,andprovideanydocumentationorinformationrequiredbyusatthetimeofyourclaimand/orthroughouttheperiodforwhichPaymentsarebeingcancelled.YoumustbeabletoverifytheProtectedEventtooursatisfaction.Ifyourdelayinfilingaclaimpreventsusinanywayfrom determining eligibility under the Plan, no benefit will be issued.What if I sustain an unrelated injury or sickness while I am disabled? Ifyouaredisabled("originaloccurrence")andsustainanadditionalsicknessorinjurywhichwouldbeinandofitselfdisabling,theadditionalsicknessorinjurywillnotbeconsideredanewoccurrenceofDisability,butratherwillbeconsideredthesameoccurrence.Thismeansthatyouwillreceivebenefitsonlyifyoudid not exhaust your maximum per-occurrence benefits in connection with the original occurrence.What if I suffer a recurrence of the same or related Protected Event? IfyouincuraclaimforthesametypeofProtectedEventagainwithinsix(6)monthsafteryouhaverecoveredorreturnedtofull-timework,wewillconsiderthisacontinuationofthepriorevent.(Fordisability,however,thisonlyappliesifyouaredisabledduetothesamecondition.)Thismeansthatthemaximumnumberofcancellationsperoccurrencefortheprioreventwillstillapply;ifthatmaximumwasalreadyreached,nobenefitswillbeissued.IfyouincuraclaimforthesametypeofProtectedEventagainmorethansix(6)monthsafteryouhaverecoveredorreturnedtofull-timework,wewillconsiderthisaneweventandthetermsandconditionsofthePlanapplyasifnoprioreventoccurred.Thisprovisionapplieswhetheryoureturntoworkfull-timewiththesameordifferent employer.What is the status of my loan following the occurrence of a Protected Event? Duringthetimeittakestoprocessyourrequestforbenefits,youareresponsibleformakingyourmonthlypaymentbytheduedate.Oncebenefitsbegin,youare responsible for any difference between the minimum payment due on the loan and the amount that is cancelled.What if the term of my loan ends while I am receiving cancellations under the Plan? Regardlessofthenumberofcancellationsyoumayotherwisebeentitledto,cancellationswillceaseiftheloanispaidoff,isrefinanced,orisdischargedforany reason.How can the Plan be terminated?YoumayterminatethisAgreementatanytimebywritingusatArizonaFederalCreditUnion,P.O.Box60070,Phoenix,Arizona85082-0070.Ifyoudosowithinthirty(30)daysofyourenrollmentinthePlan,wewillcredityourloanaccountforanyfeeschargedforthisprotection.WecanterminatethisAgreementbygivingyouwrittennoticeatleastthirty(30)daysinadvanceofthetermination.Terminationbyusoryouwillbeeffectiveonthefirstofthemonthfollowingtermination.  Fees for the month in which notice of termination is received will still be due and collected from the loan payment.YourPlanparticipationwillterminatewithoutadvancenoticeif:(1)yourloanispaidoff,refinanced,ordischargedforanyreason;(2)requiredloanpaymentsarepastdueby90daysormore;(3)youfailtopaythePlanFee;(4)bothprotectedBorrowersreachage70ordie;or(5)theprotectedOutstandingBalanceispaidoffunderthetermsofthePlanorallmaximumcancellationsarereached.IfyoubringyourloancurrentafteryourProtectionhasbeenterminatedfordelinquency, protection will not be reinstated automatically and you must re-apply for the Plan.What are the tax implications?Youmaybesubjecttofederal,stateandlocaltaxesontheamountofyourcancelledloanpaymentorbalance.Youshouldconsultyourtaxadvisor.WeorthePlan Administrator do not provide you with guidance on the tax implications, if any, of a cancelled debt.What if I have questions about the Plan?Telephoneusat602-683-1000or1-800-523-4603orwritetousatArizonaFederalCreditUnion,P.O.Box60070,Phoenix,Arizona85082-0070ifyouhaveany questions regarding this Plan.BORROWER NAMEACCOUNT NUMBERVISAAGR 04/19/2013