PO Box 151 pberaai, arse" VISA (877) 772-7215 Fax: (B15) 772-4458 VISA CLASSIC/VISA PLATINUM Established 1960 www.adonecu.org Application and Solicitation Disclosure   Interest Rates and Interest Charges Annual Percentage Rate (APR) for Visa Classic Purchases 1 1 50% Visa Platinum 8.99%             APR for Balance Transfers Visa Classic 11.50% Visa Platinum 8.99% APR for Cash Advances Visa Classic 11.50% Visa Platinum 8.99% How to Avoid Paying Interest on Your due date is at least 25 days after the close of each billing cycle. Purchases We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum tnterest Charge None For Credit Card Tips from the To learn more about factors ta consider when applying for or Consumer Financial Protection Bureau | using a credii card, visit the website of the Gonsumer Financial Protection Bureay at hitp:/Avww.consumerfinance. gov/learnmore.               Fees Annual Fee - Annual Fee None Transaction Fees - Balance Transfer Fee None - Cash Advance Fee None - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars - Transaction Fee for Purchases None Penaity Fees - Late Payment Fee Up to $15.00 + Over-the-Credit Limit Fee Up to $15.00 - Returned Payment Fee Up to $15.00   SEE BACK OF PAGE for more important information about your account. GAAPHow We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Effective Date. The information about the costs of the card described in this application is accurate as of May 15, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee $15.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment. q Over-the-Credit Limit Fee $15.00 or the amount of the transaction exceeding your credit limit, | whichever is less. P Returned Payment Fee ee or the amount of the required minimum payment, whichever is 4 ess, A Document Copy Fee $10.00 ly Emergency Card Replacement Fee 3150.00 A Card Replacement Fee $10.00 per card 2 Card Recovery Fee $65.00 | x a q " fl ; ral re  Ma Box ss! 61270 LQANLINER. a. omison, ; shee ea rat VISA Fax: (815) 772-4458 VISA CLASSIC AND VISA PLATINUM Established 1960 www.adonecu.org CONSUMER CREDIT CARD AGREEMENT In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the words “you,” “your,” and “yours” mean each and all of those who agree to be bound oy this Agreement; “card” means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “account” means your Visa credit card line-of-credit account with the Credit Union; and “Credit Union” means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 1. USING YGUR ACCOUNT — If you are approved for an account, the Credit Union wit! establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other charges”) which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the Credit Union's pragram whereby it will honor advance requests over the credit timit. In the event you opt in to such a program, you agree to the tarms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account batance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accuralely describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and axpenses, including atlorney's fees, damages, or claims, related to our honoring your step payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. 2, USING YOUR CARB — You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the Credit Gard Agreement and Credit Card Account Opening Disclosure (Disclosure), You may use your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that Is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casina gaming chips. This paragraph shalt not be Interpreted as permitting or authorizing any transaction that is illegal. 3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You also pramise te pay all finance charges and other charges added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account. 4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be Imposed for failing to make a payment by the payment due date Is also disclosed on the Disclosure, Any rate change will be made pursuant to applicable {aw. If the rate for your account Is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Intraductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement. 5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the previous cycle’s billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment due @ CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED MxXC5009. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the batance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable annual percentage rate. 10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your account untit the Credit Union agrees to release all or part of the pledged amount. Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares In an Individual Retirement Account or in any other account that would {ose special tax treatment under state or federal law if given as security. These other shares may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint share accounts 10 pay any amounts due on your Account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this account, notwithstanding anything to the contrary in any other agreement. 41. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date thal it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in defauit if something happens that the Credit Union believes may substantially reduce your ability to repay what you awe. When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe has been paid, and any shares thal were given as security for your account may be applied towards what you owe. 12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally or in writing, at 204 N. Jackson St., PO Box 151, Morrison, tL 61270 or telephone (877) 772-7215 Monday through Friday 8:00 a.m. to 5:00 p.m. or (800) 325- 3678 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, untess you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00. 13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable faw. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized. The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement atso applies to termination of the account. 14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to access your account. Your letter must include the name of the authorized user and your account number and/or any subaccount number issued to the authorized user along with the authorized user’s card and any convenience or other access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you request your account to be closed, we will close your account and you may apply for a new account. 15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree thal we may provide personal information about you and your account that is necessary to provide you with the requested service(s). 16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. 17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 18, MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisiaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b} your purchase cost more than $50.00 and was made in your state or within 100 miles of your home. 19. JOINT ACCOUNTS — It this is a joint account, each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the account and the termination will be effective as to all of you.Your Rights if You Are Dissatistied With Your Gredit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home slate or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If alt of the criteria above are met and you are still dissatisfied with the purchase, contact us in_writing {or electronically) at: Advantage One Credit Union PO Box 151 Morrison, IL 61270 www.adonecu.org While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 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 delinquent.