� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 03202928-MXC30-P-1-111417 (MXC303-E)CONSUMERCREDIT CARDAGREEMENTANDDISCLOSURE
VISA PLATINUM/VISA PLATINUM REWARDS
This Consumer Credit Card Agreement and Disclosure together with the Acco unt Opening Disclosure and any other Account opening documents or any subsequent documents provided to You rel ated to this Account (hereinafter collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and �Credit Union� refers to Charlotte METRO Federal Credit Union with which t his Agreement is made. �You,� �Your,� and �Yours� refers to each applicant and co-applicant for the Account; any per son responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means th eV i s a
�credit card and any other access devices, duplicates, renewals, or substitutions, including convenienc e checks, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and incl udes Your Card.SECURITY INTERESTYou grant the Credit Union a security interest under the Unifor m Commercial Code and under any common law rightsthe Credit Union may have in any goods You purchase.If You give the Credit Union a specific pledge of shares by sig ning a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that hav e been specifically pledged to secure Your Accountuntil the Credit Union agrees to release all or part of the ple dged amount. You grant Us a security interest in all individual and joint sh are and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares an d deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may wi thdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the  balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agr ee We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree tha t Your pledge does not apply during any periods when You are a covered borrower under the Military Lend ing Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You establi shed Your credit card Account when You werenot a covered borrower; or (ii) You cease to be a covered borrow er. Unless otherwise prohibited by federal and/or state law, collat eral 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, notwithstandinganything to the contrary in any other Agreement.
1. USING YOUR ACCOUNT �By using the Account or keeping the Card, You agree to the terms of this Agree ment. You agree to use Your Account in accordance with this Agreement. Your Accou nt must only be used for lawful transactions.2. CREDIT LIMIT �We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limi t increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit lim it, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law. 3. CONVENIENCE CHECKS �We may, from time to time, issue convenience checks to You that may be drawn o n Your Account. Convenience checks may not be used to make a payment on Your Ac count. If You use a convenience check, it will be posted to Your Account as a balance transfer. We reserve th e right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute w rongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to p ay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your Ac count. 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 requ est. In addition, Your request must
718 Central Avenue Charlotte, NC 28204-2024 Toll Free: 888.633.2628 Page 2 of 6 03202928-MXC30-P-1-111417 (MXC303-E)accurately describe the check including the exact Account number, the pay ee, any check number that may be applicable, and the exact amount of the check. If permitted, You may make a stop payment r equest 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 months and may be renewed for additional six month periods by re questing in writing that the stop payment order be renewed. We are not required to notify You when a stop p ayment order expires. If We re-credit Your Account after paying a check over a valid and timely sto p 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 and to assist Us in any legal action.You agree to indemnify and hold Us harmless from all costs and expenses, inc luding attorney's fees, damages, or claims, related to Our honoring Your stop payment request or in failing to stop paym ent of an item as a result of incorrect information provided to Us or the giving of inadequate time to act upon a sto p payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Cod e. It is an advance from Your credit card Account with Us and Your stop payment rights are provided under  this Agreement with Us. 4. REPAYMENT �You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions made to Your Account by You or anyone You authorize to use Y our Account as well as all interest charges and fees.For each billing period, You must pay at least the Minimum Paym ent Due by the Payment Due Date. The Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, which ever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the amount of the total  New Balance. You may pay more frequently, pay more than the Minimum Payment D ue or pay the total New Balance in full. If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your Account has a balance (other than a credit balance). The Credit Union may de lay replenishing Your credit limit until the date the payment is posted or the Credit Union confirms the pay ment has cleared. Your payment of the required Minimum Payment Due may be applied to what You o we the Credit Union in any manner the Credit Union chooses, as permitted by applicable law. If You make a paym ent in excess of the required Minimum Payment Due, the Credit Union will allocate the excess amount first to the b alance with the highest annual percentage rate (�APR�) and any remaining portion to the other balances in descending order based on applicable APR, unless otherwise prescribed by applicable law. We may accept checks marked "paym ent in full" or with words of similar effect without losing any of Our rights to collect the full balance of Y our Account with Us. 5. INTEREST AND FINANCE CHARGES �We will begin charging You interest on purchases and balance transfers onthe date the transaction is posted to Your Account. We will begin charging Y ou interest on cash advances on the date of the transaction or the first day of the billing cycle in which the transacti on is posted to Your Account, whichever is later (transaction date). However, We will not charge You any interest on new pur chases or balance transfers if Your Account had a zero or credit balance at the beginning of that billing cycle, or You pa id the entire new balance on the previous cycle's billing statement by the Payment Due Date of that statement. To avo id an additional finance charge on the balance of purchases or balance transfers, You must pay the entire new balance on th e billing statement by the Payment Due Date of that statement.How We Calculate Your Balance:Interest charges on Your Account are calculated separately for purchases , balance transfers and cash advances (�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to each corresponding �average daily balance.� To get the �average daily balance � for a Transaction Type We take the beginning balance for that Transaction Type each day, add any new transactions of tha t type, and subtract any unpaid interest or other finance charges and any applicable payments or credits. This gives U s the daily balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the bil ling cycle and divide each total by the number of days in the billing cycle. This gives Us the �average  daily balance� for each Transaction Type. 6. FEES �In addition to the periodic rate, additional fees may be imposed on Your Acc ount. If applicable to Your Account, the fee amounts and explanations are disclosed on the Account Ope ning Disclosure accompanying this Agreement.7. FOREIGN TRANSACTIONS �Purchases and cash advances made in foreign currencies will be debited fro m Your Account in U.S. dollars. The exchange rate between the transaction curren cy and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange ra te used on the processing date may differ from the rate that would have been used on the purchase date or card holder statement posting date. A fee (finance charge) will be charged on all transactions completed in a fo reign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompany ing this Agreement. Page 3 of 6 03202928-MXC30-P-1-111417 (MXC303-E)8. AUTHORIZATIONS �We do not guarantee authorization of a transaction, either by Us or by a thir d party, even if You have sufficient credit available. You agree that We will not be liable f or failing to give an authorization. We also reserve the right to limit the number of transactions that may be approved i n one day. We reserve the right to deny certain transactions for any reason and at Our sole discretion, including for defa ult, suspected fraudulent or unlawful activity, internet gambling or any indication of increased risk related to the trans action or the Account. You agree that We have no requirement to notify You of the specific reason We denied a transaction. I f We detect unusual or suspicious activity, We may suspend Your credit privileges until We can verify the activi ty, or We may close the Account. 9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges to Your Card on a recurring basis, it is Your responsibility to notify the me rchant in the event Your Card is replaced, Your Account information (such as Card number or expiration date) changes, or Y our Account is closed. However, if Your Card is replaced or Your Account information changes, You authorize Us, withou t obligation on Our part, to provide the updated Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize Us to apply such recurring charges to Your Card until You notify Us that You h ave revoked authorization for the charges to Your Card.Your Card is automatically enrolled in an information updating service. T hrough this service, Your updated Account information (such as Card number or expiration date) may be shared with par ticipating merchants to facilitate continued recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke Your auth orization allowing Us to provide updated Account information to a merchant, please contact Us.10. PREAUTHORIZED CHARGES �We may suspend preauthorized recurring charges with merchants if, for exa mple, Your Card is lost or stolen, You default, or We change Your Account for any re ason. If preauthorized recurring charges are suspended, You are responsible for making direct payment for such char ges until You contact the merchant to reinstate recurring charges.11. DEFAULT �You will be in default under this Agreement if You fail to pay the Minimum Pay ment Due by its Payment Due Date; pay by a check or similar instrument that is not honored or that We m ust return because it cannot be processed; pay by automatic debit that is returned unpaid; make any false o r misleading statements in any credit application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this Agreement or any other Agreement You have with Us.If You default, We may close Your Account and require You to pay any unpaid ba lance immediately, subject to applicable law. In this Agreement and on Your Credit Card Application, You gave Us a sec urity interest in all individual or joint share and/or deposit accounts with the Credit Union and authorized Us, if You def aulted, to apply the balance in these accounts to any amounts due. You agree We may rely on Your agreement and authorizatio n to, upon Your default, apply any balance to any amounts due on Your Account.12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION � If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should wri te to Us immediately at 718 Central Ave., Charlotte, NC, 28204 or call Us at (888) 633-2628, Monday through Friday 8: 00 a.m. to 6:00 p.m. EST or (800) 682-6075, seven days a week after business hours.You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for unauthorized use that occurs before Your notice to Us. You will have no liab ility for unauthorized use unless You are found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized transactions will not exceed $50.13. 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 a ny change will be given in accordance with applicable law. To the extent permitted by law, changes to the Agreement ma y apply to Your existing account balance as well as to future transactions.Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washi ngton, and Wisconsin Residents -Either You, Your spouse or the Credit Union may terminate this Agreement at any tim e, but termination by You, Your spouse or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your spouse owe under this Agreement. Your obligation to pay the account balanc e plus any finance and other charges You owe under this agreement are subject to all applicable laws and regulation s regarding repayment requirements. The Card or Cards You receive remain the property of the Credit Union and You must rec over and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whethe r by You or the Credit Union. Residents of all other states -
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 pl us any finance and other charges You owe under this agreement are subject to all applicable laws and regulations re garding repayment requirements. The Card or Cards You receive remain the property of the Credit Union and You must recov er and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whethe r by You or the Credit Union. Page 4 of 6 03202928-MXC30-P-1-111417 (MXC303-E)14. 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 authorize d user's right to access Your Account. Your notice 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 convenie nce 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. Alter natively, We may, at Our sole discretion, issue You a new Account number and a new Card.15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION � You authorize the Credit Union to obtain credit reports and any other information We may need to verify Your identity and us e of the Account when opening Your Account and for any update, increase, renewal, extension, collection or r eview of Your Account. You authorize the Credit Union to disclose information regarding Your Account to credit bureaus an d creditors who inquire about Your credit standing. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other defaults on Your Account may be reflected on Your credit report . 16. JOINT ACCOUNTS �If this is a joint Account, each of You will be individually and jointly resp onsible for paying all amounts owed under this Agreement. This means that the Credit Union can req uire any one of You individually to repay the entire amount owed under this Agreement. Each of You authorizes the oth er(s) to make transactions on the Account individually. Any one of You may terminate the Account and the te rmination will be effective as to all of You. 17. EFFECT OF AGREEMENT �This Agreement is the contract which applies to all transactions on Your Ac count even though the sales, cash advances, credit or other slips You sign or receive may contain different terms. 18. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of Your Account. This written Agreement may not be contradicted by evidence o f any alleged oral Agreement. Should any part of this Agreement be found to be invalid or unenforceable, all other pa rts of this Agreement shall remain in effect and fully enforceable to the fullest extent possible under this Agre ement. 19. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any transaction, including any type of electronic gambling transaction through the Internet , that is illegal under applicable federal, state, or local law . Even if You use Your Card for an illegal transaction, You will be responsibl e for all amounts and charges incurred in connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.20. APPLICABLE LAW �The terms and enforcement of this Agreement shall be governed by federal la w and the law of North Carolina.21. ENFORCING THIS AGREEMENT �We can delay in enforcing or fail to enforce any of Our rights under thisAgreement without losing them.22. COLLECTION COSTS �If We refer collection of Your Account to a lawyer who is not Our salaried emp loyee, You are liable for any reasonable attorney�s fees We incur, plus the costs and e xpenses of any legal action, as further disclosed on this Agreement, or to the extent allowed by law.23. ASSIGNMENT �We may assign any or all of Our rights and obligations under thi s Agreement to a third party. 24. CALIFORNIA RESIDENTS �A married applicant may apply for a separate Account. Applicants: 1) may, a fter credit approval, use the credit card Account up to its credit limit; 2) may be liabl e for amounts extended under the plan to any joint applicant. As required by law, You are hereby notified that a negativ e credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fu lfill the terms of Your credit obligations. 25. FLORIDA RESIDENTS � You (borrower) agree that, should We obtain a judgm ent against You, a portion of Your disposable earnings may be attached or garnished (paid to Us by Your em ployer), as provided by Florida and Federal law.26. MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Accoun t, We elect to offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland C ommercial Law Article. 27. MISSOURI RESIDENTS � Oral Agreements or commitments to loan money, ext end credit or to forbear from enforcing repayment of a debt including promises to extend or renew such de bt are not enforceable. To protect You (borrower(s)) and Us (creditor) from misunderstanding or disappoint ment, any Agreements We reach covering such matters are contained in this writing, which is the complete and exclusive statement of the
Agreement between Us, except as We may later agree in writing t o modify it. 28. NEW YORK RESIDENTS �We may obtain a credit report in connection with this Account, including fo r any review, modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such report was requested and, if so, the name and address of the consumer report ing agency furnishing the report. New York residents may contact the New York State Banking Department at 800.342.37 36 or www.dfs.ny.gov to obtain a comparative listing of credit card rates, fees and grace period s. Page 5 of 6 03202928-MXC30-P-1-111417 (MXC303-E)29. OHIO RESIDENTS �The Ohio laws against discrimination require that all creditors make cred it equally available to all creditworthy customers and that credit reporting agencies maintain s eparate credit histories on each individual upon request. The Ohio Civil Rights Commission administers complianc e with this law. 30. SOUTH DAKOTA RESIDENTS �If You believe there have been any improprieties in making this loan or in th e lender�s loan practices, You may contact the South Dakota Division of Bank ing at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.31. WISCONSIN RESIDENTS �If You are married, please contact Us immediately upon receipt of this Agre ement at the address or phone number listed on this Agreement and provide Us with the nam e and address of Your spouse. We are required to inform Your spouse that We have opened an Account f or You. 32. NOTICE TO UTAH BORROWERS �This written Agreement is a final expression of the Agreement between Youand the Credit Union. This written Agreement may not be contradicted by evi dence of any oral Agreement. As required by law, You are hereby notified that a negative credit report reflecting on Yo ur credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credi t obligations. 33. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIG NATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF TH E BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 6 of 6 03202928-MXC30-P-1-111417 (MXC303-E)Your Billing Rights: Keep this Document for Future Use
This notice tells You about Your rights and Our responsibilities u nder the Fair Credit Billing Act. What To Do If You Find A Mistake On Your StatementIf You think there is an error on Your statement, write to Us at t he address listed on Your statement. In Your letter, give Us the following information:
-Account information: Your name and Account number.-Dollar amount: The dollar amount of the suspected error.-Description of problem:If You think there is an error on Your bill, describe what You believe is wron g and why You believe it is a mistake.You must contact Us:- Within 60 days after the error appeared on Your statement.- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.You must notify Us of any potential errorsin writingor electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question. What Will Happen After We Receive Your LetterWhen We receive Your letter, We must do two things:1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error.2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct.While We investigate whether or not there has been an error:- We cannot try to collect the amount in question, or report You as delinquent on that amount. - The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. - While You do not have to pay the amount in question, You are res ponsible for the remainder of Your balance. - We can apply any unpaid amount against Your credit limit.After We finish Our investigation, one of two things will happen:-If We made a mistake:You will not have to pay the amount in question or any interest or other fees r elated to that amount.-If 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 d ate payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. If You receive Our explanation but still believe Your bill is wrong, You mus t write to Us within10 daystelling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquen t, and We must let those organizations know when the matter has been settled between Us.If We do not follow all of the rules above, You do not have to pay the first $50 o f the amount You question even if Your bill is correct.Your Rights if You Are Dissatisfied With Your Credit Card Purch ases If You are dissatisfied with the goods or services that You have purchased w ith Your credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right n ot to pay the remaining amount due on the purchase.To use this right, all of the following must be true:1. The purchase must have been made in Your home state or within 100 miles of Y our current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are nec essary if Your purchase was based on an advertisement We mailed to You, or if We own the company that s old You the goods or services.) 2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your credit card Account do not qualify.3. You must not yet have fully paid for the purchase.If all of the criteria above are met and You are still dissatisfied with the p urchase, contact Usin writingor electronically at the address listed on Your statement.While We investigate, the same rules apply to the disputed amount as discus sed 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.