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officers
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purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written payment
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to your account, such as travel accident insurance or a liability waiver program, at no additional payment
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you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change
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them at any time.GAMBLING TRANSACTIONS PROHIBITED. You may not use your card to initiate any type of rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to
related to our honoring your stop payment request ortime in failing to stopa payment of anrequest.
item as a result of incorrect
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3. STATEMENT
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22. NOTIFICATION
WAIVER. TheINFORMATION
Credit Union canFOR delayREPORTING
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CARD. Notify us at once if your card has been lost or stolen or if you suspect that your card is being used without 3. STATEMENT OF BUSINESS PURPOSE. You agree you have represented to family
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you obtaining
convenience
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USING YOUR for businessCARD. purposesmay use useandyour
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personal,from household or family and others
purposes. accept
have given the Credit Union. You agree to notify us at least 10 days in advance of any change in address. Notice your
your card.
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24. NOTIFICATION OF CHANGE IN LEGAL STRUCTURE, OFFICERS OR OWNERS. If you are an 4. USING YOUR CARD. You may use your card to make purchases from merchants and others who accept
permit
card.
security
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information
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Union your card. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your
security
and
permit from
you information
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to obtain before
automated
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you will not use your card for any transaction that is illegal under applicable federal, state or local law. Even if you
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with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to
cash advances from an ATM, you must use the PIN that is issued to you for use with your card. You agree that shown on the Addendum accompanying this Agreement. In addition to the minimum payment, you must also pay,
you will not use your card for any transaction that is illegal under applicable federal, state or local law. Even if you by the date specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding
use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection unpaid fees and charges, and any amount you are over your credit limit. The Credit Union also has the right to
with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to demand immediate payment of any amount by which you are over your credit limit. Subject to applicable law, your
purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will payments may be applied to what you owe to the Credit Union in any manner the Credit Union chooses. We may
be
andposted to your
from some account as
automated a cash
teller advance
machines and include,
(ATMs). (Not allbut are not
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wirecard.)
transfers,
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Union accept checks marked
10. PAYMENTS. Each "payment
month you in must
full" or with
pay at words
least theof similar
minimumeffect withoutshown
payment losingon any of our
your rights toby
statement collect the
the date
bets, lotteryATM
authorizes tickets, and casinowith
transactions gaming
your chips,
card, itaswill
applicable.
issue youThis paragraphidentification
a personal shall not be number
interpreted as permitting
(PIN). To obtain full balance
specified onoftheyour accountor
statement with
nous.
laterWethan may, at our discretion,
twenty-five (25) days delay
frominthe restoring
statement yourclosing
available credit
date, limit up to
whichever is
or authorizing
cash advancesany fromtransaction
an ATM, that
you ismust
illegal.
use the PIN that is issued to you for use with your card. You agree that the
later.amount
If yourofstatement
the payment(s)
says thein order
payment to assure
is "Now thatDue,"
the check or other payment
your payment is due noinstrument
later thanittwenty-five
honored. (25) days
you
5. RESPONSIBILITY. You agree to pay all that
will not use your card for any transaction is illegal
charges under applicable
(purchases and cashfederal, statebalance
advances, or localtransfers,
law. Evenuse
if you
of fromFOREIGN
11. the statement closing date. IfAllyou
TRANSACTIONS. payments must be made
make a purchase or obtainin U.S.
a cash dollars and in
advance if a
made
foreign by currency,
a negotiable the
use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection transaction will be debited from your account in U.S. dollars. Visa will convert the transaction into U.S.financial
instrument such as a check or money order, must be in a form acceptable to us and drawn on a U.S. dollars
convenience checks and any other charge) to your account that are made by you or anyone whom you authorize
with theyour
to use transaction.
account.IfYou
you also
are permitted
agree to payto obtain cash advances
all finance charges andon your
otheraccount,
chargesyou maytoalso
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account to
under institution. You
depending may payyou
on whether more frequently,
complete the pay more than
transaction withthea minimum
Visa cardpaymentor if theortransaction
pay the Total New Balance
is processed by ina
purchase instruments and engage in transactions that we consider the equivalent of cash.
the terms of this Agreement or another agreement you made with the Credit Union. If there is more than one Such transactions will full. If you make extra or larger payments, you are still required to make
network operated or affiliated with Visa. For transactions processed through Visa, the exchange rate used to at least the minimum payment each
be posted to your account as a cash advance and include, but are not limited to, wire transfers, money orders, month your
convert account
foreign has transactions
currency a balance (other than selected
is a rate a credit by balance).
Visa from Theaminimum
range of payment for your
rates available in account
wholesale is
person bound to this Agreement, each will be individually and jointly responsible for paying all amounts owed
bets,
underlottery tickets, and casino
this Agreement. If you gaming
are an chips, as applicable.
organization, This paragraph
the officer or owner shall
that not be interpreted
obtained as permitting
the account for the shown on the Addendum accompanying this Agreement. In addition to the minimum
currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives payment, you must also pay,
or authorizing any transaction that is illegal.
organization is also personally obligated for all charges made under the account. This means that the Credit by the
or the government-mandated
date specified above, the rateamount
in effect of any prior
for the minimumcentral
applicable payment(s) that you
processing have
date. Thenotexchange
made, all rate outstanding
used to
unpaid fees and charges, and any amount you are over your credit limit.
convert the transaction may differ from the rate Visa receives and may differ from the rate applicable on The Credit Union also has thetheright
dateto
Union
5. can require any one
RESPONSIBILITY. Youofagree
you totoindividually repay (purchases
pay all charges the entire amount
and cash owed under this
advances, Agreement.
balance In addition
transfers, use of
each person bound demand immediate payment of any amount
the transaction occurred or was posted to your account. by which you are over your credit limit. Subject to applicable law, your
convenience checksunder
and any thisother
Agreement,
charge)as to well
youras any authorized
account user, by
that are made may make
you purchases
or anyone whom individually
you authorizeand,
payments may be applied to what you owe to the Credit Union in any manner the Credit Union chooses. We may
iftocash advances are permitted for your account, may obtain cash advances individually.
use your account. You also agree to pay all finance charges and other charges added to your account under 12.
acceptINFORMATION
checks marked UPDATING
"payment SERVICE
in full" or withAND AUTHORIZATIONS
words — If You
of similar effect without haveany
losing authorized a merchant
of our rights to collect to the
bill
the terms of this Agreement or another agreement you made with the Credit Union. If there is more than one
6. INTEREST RATE. The Interest Rates applicable to purchases, cash advances, and balance transfers are charges
full balance to Your Card
of your on a recurring
account with us. basis,
We may, it is at
Yourourresponsibility
discretion, delayto notify the merchant
in restoring in the event
your available Your
credit Card
limit up tois
person
disclosed bound
on theto this Agreement,
Addendum each will be individually
that accompanies this Agreement. and jointly responsible
Any penalty for paying
rate that may beallimposed
amountsisowed also replaced, Your Account information (such as Card number or expiration date) changes, or Your Account is closed.
the amount of the payment(s) in order to assure that the check or other payment instrument it honored.
under this Agreement. If you are an organization, the officer or owner that obtained the account for the However, if Your Card is replaced or Your Account information changes, You authorize Us, without obligation on
disclosed on the Addendum. These rates may be either fixed or variable as disclosed in the Addendum
organization is also personally obligated for all charges made under the account. This means that the Credit 11. FOREIGN
Our part, to provideTRANSACTIONS.
the updated IfAccount you make a purchase
information or obtain
to the merchant a cash
in orderadvance in a foreign
to permit currency,
the merchant to the
bill
accompanying this Agreement. If the rate for your account is fixed, the rate charged on purchases, cash
Union
advances,can require
balanceany one of and
transfers, you any
to individually
penalty rate repay
will the entireand
be fixed amount owed
will not varyunder
from this Agreement.
month to month In addition
unless we transaction will be debited from your account in U.S. dollars. Visa will convert
recurring charges to Your Card. You authorize Us to apply such recurring charges to Your Card until You notify the transaction into U.S. dollars
each person bound under this Agreement, as well as any authorized user, may make purchases individually and, depending
Us that Youon havewhether
revoked you complete the
authorization for transaction
the charges with a Visa
to Your Card. card or if the transaction is processed by a
notify you in advance that the rate will change. If the rate for your account is variable, as indicated on the
if cash advances are permitted for your account, may obtain cash advances individually. network operated or affiliated with Visa. For transactions processed through Visa, the exchange rate used to
accompanying Addendum, the rate charged on purchases, cash advances, balance transfers and any penalty
Your
convert Card is automatically
foreign enrolled inis an
currency transactions information
a rate selectedupdating
by Visa service.
from a range Through this service,
of rates availableYour updated
in wholesale
rate INTEREST
6. will vary periodically
RATE. The as Interest
disclosed in the
Rates Addendum
applicable to accompanying
purchases, cash this Agreement.
advances, andThe initial transfers
balance rate on yourare Account
currency information
markets for (such as Cardcentral
the applicable number or expiration
processing date,date)
whichmayratebe mayshared
vary fromwith the
participating merchants
rate Visa itself receives to
account foroncertain
disclosed types of transactions
the Addendum that accompaniesmay bethis an introductory
Agreement. discounted
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rate that may be Rate) that isislower
imposed also facilitate continued recurring charges.
or the government-mandated rate in effectUpdates
for the are not guaranteed
applicable before Yourdate.
central processing next The
payment
exchange to a rate
merchant
used to is
than the rate
disclosed that Addendum.
on the would ordinarily These apply
ratesformaythat betypeeither
of transaction. If an Introductory
fixed or variable as disclosed Rate in applies to your
the Addendum due.
convert Youthe aretransaction
responsible mayfor differ
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rate Visauntil recurring
receives charges
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from the Torate
revoke Your authorization
applicable on the date
account,
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this and the period
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willyour
be effective
account is shown
fixed, theon rate
the Addendum
charged onaccompanying
purchases, cash this
allowing
the transactionUs to provide
occurred updated
or wasAccount
posted toinformation
your account. to a merchant, please contact Us.
Agreement. After the Introductory Rate period expires, the Interest Rate will automatically
advances, balance transfers, and any penalty rate will be fixed and will not vary from month to month unless we increase to the rates
that
notifywould
you ordinarily
in advance applythatforthe
thatrate
typewill
of transaction
change. If based the rateonfortheyour
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of this Agreement.
is variable, as indicated on the 13.
12. SECURITY
INFORMATION INTEREST.
UPDATING If you give the Credit
SERVICE Union a specific pledge
AND AUTHORIZATIONS — If ofYoushares
haveby signing aaseparate
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accompanying Addendum, the rate charged on purchases, cash advances, balance transfers of shares, your Card
pledgedon ashares willbasis,
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7. FINANCE CHARGE CALCULATION METHOD FOR PURCHASES. New purchases postedand any account
to your penalty charges to Your recurring responsibility notify in the event is
rate will vary periodically as disclosed in the Addendum accompanying this Agreement. The initial rate on your specifically
replaced, Your pledged
Accountto secure
informationyour (such
account until number
as Card the Credit Union agrees
or expiration date)tochanges,
release or all Your
or part of theispledged
Account closed.
during a billing cycle will not incur a finance charge for that billing cycle. Finance charges begin to accrue on
account for certainfrom
types amount.
However,Inif addition, your account is or secured by all information
other shareschanges,
you have in any individual or joint obligation
account with
those purchases theof first
transactions
day of the maynextbe an introductory
billing discounted
cycle, unless you paidrate the
(Introductory
entire New Rate) that isonlower
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the
Our Credit Union, except
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in an Individual Retirement account or in in any to other account that wouldtolose
previous cycleʼs billing statement by the Payment Due Date of that statement. To avoid an additional to
than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies your
finance part, to provide updated information to the merchant order permit the merchant bill
account, the rates and the period of time it will be effective is shown on the Addendum accompanying this special
recurring taxcharges
treatment underCard.
to Your state You
or federal
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to apply These other
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until Youunless
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charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the
Agreement. After the ofIntroductory Rate period expires,charge
the Interest Rate willseparately
automatically increase to and the rates you are You
Us that in default under this
have revoked Agreement.for
authorization Youtheauthorize
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Credit Union to apply the balance in your individual or
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Payment Due Date that statement. The finance is calculated for purchases cash
that would ordinarily apply for that type of transaction based on the terms of this Agreement. joint share accounts to pay any amounts due on your account if you should default. Collateral securing other
advances. For purchases, the finance charge is computed by applying the periodic rate to the average daily Your Card is automatically
loans you have with the CreditenrolledUnion may in analso information
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daily balance FOR of PURCHASES.
purchases, we New take the beginning
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account Account information (such as Card number or expiration date) may be shared with participating merchants to
security for this account, notwithstanding anything to the contrary in any other agreement.
of purchases
during each
a billing cycledaywill
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begin (We on
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not addpurchases
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add all thecycleʼs
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if you: a) break any promise
to a merchant, you make
please contactunder
Us. this Agreement; b) exceed
the billing
charge oncycle. This gives
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purchases, youdaily
mustbalance
pay theof purchases.
entire New Balance on the billing statement by the your credit limit; c) are a natural person, if you die; d) are an organization, you cease to exist; e) are an
13. SECURITY
organization, youINTEREST.
change your If you give
legal the Credit
structure Union
so that theaperson
specificobligating
pledge ofthe shares by signing
organization to athis
separate pledge
Agreement is
Payment Due CHARGE Date of that statement. The
CALCULATION financeFOR
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calculated separately
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begins and cash
8. FINANCE charge to accrue
no longer authorized to bind it to legal agreements; f) file for bankruptcy or become insolvent; g) make any been
of shares, your pledged shares will secure your account. You may not withdraw amounts that have false
on cash advances from the date you get the cash advance or from the first day of the billing cycle in whichdaily
advances. For purchases, the finance charge is computed by applying the periodic rate to the average the specifically pledged to secure your account until the
balance of purchases. Totoget theaccount,
averagewhichever
daily balance of purchases, or misleading statements in any credit application or Credit Union agrees
credit update; or h) iftosomething
release allhappens
or part of thatthe
thepledged
Credit
cash advance is posted your is later. For cash we take thethe
advances, beginning
finance outstanding balance
charge is computed amount. In addition, your account is secured by all other shares you have in any individual or joint account with
of Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit
by purchases
applying the each day and
periodic ratesubtract any payments
to the average and/or of
daily balance credits
cash that we apply
advances. To to the
get thepurchase
averagebalance. (We do
daily balance of the Credit Union, except for shares in an Individual Retirement account or in any other account that would lose
not add in any purchases posted during the billing cycle.) This gives us the daily balance of purchases. Then, we Union has the right to demand immediate payment of your full account balance without giving you notice. If
cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash special tax payment
treatmentisunder state oryou federal lawtoifcontinue
given as payingsecurity. Thesecharges,
other shares
add all the and
dailysubtract
balancesany of purchases for the credits
billing cycle together immediate demanded, agree finance at themay be withdrawn
applicable interest unless
rate,
advances, payments and/or that we apply and divide
to the cashthe total bybalance.
advance the number
Thisofgives
days us
in
you are in default under this Agreement. You authorize the Credit Union to apply the balance in your individual or
the billing cycle. This gives us the average daily balance of purchases. until what you owe has been paid, and any shares that were given as security for your account may be applied
the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle joint share accounts to pay any amounts due on your account if you should default. Collateral securing other
towards what you owe.
together
8. and divide
FINANCE CHARGEthe total by the numberMETHOD
CALCULATION of days inFORthe CASH
billing cycle. This gives
ADVANCES. us the average
A finance daily balance
charge begins to accrue of loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as
cash
on advances.
cash advancesCash
fromadvances
the dateareyounot
getavailable
the cashonadvance
the Micro or Business
from the Platinum card
first day of theprogram.
billing cycle in which the security
15. for this account,
CHANGING notwithstandingYOUR
OR TERMINATING anything to the 3contrary
ACCOUNT. The inCredit
any other
Union agreement.
may change the terms of this
YFLAH1 (BXCV12)-e
cash advance is posted to your account, whichever is later. For cash advances, the finance charge is computed Agreement and any attached Addendum from time to time. Notice of any change will be given in accordance with
9. OTHER CHARGES. In addition to the Interest Rate, additional fees may be imposed on your account. The 14. DEFAULT. You will be in default if you fail to make any minimum payment or other required payment by the
by applying the periodic rate to the average daily balance of cash advances. To get the average daily balance of applicable law. If permitted by law, the change will apply to your existing account balance as well as to future
amount and description of these fees are disclosed on the Addendum accompanying this Agreement. date that it is due. You will be in default if you: a) break any promise you make under this Agreement; b) exceed
cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash transactions.
your credit limit; c) are a natural person, if you die; d) are an organization, you cease to exist; e) are an
advances,
10. PAYMENTS. and subtract any payments
Each month you mustand/or
pay atcredits
least thethat we apply
minimum to the cash
payment shownadvance
on yourbalance.
statementThis
by gives us
the date organization,
Either you or you the change
Credit Unionyour legal
may structure
terminateso that
this the person
Agreement at obligating
any time, the but organization
termination by to this
you Agreement
or the Credit is
the daily balance of cash advances. Then, we add all the daily balances of cash advances
specified on the statement or no later than twenty-five (25) days from the statement closing date, whichever is for the billing cycle
no longer
Union authorized
will not to bind
affect your it to legal
obligation to payagreements;
the account f) balance
file for bankruptcy or become
plus any finance insolvent;
and other chargesg) make
you oweanyunder
false
together and statement
later. If your divide the says
total by
thethe numberisof"Now
payment daysDue,"
in the billing cycle. This gives us the average daily balance
2 your payment is due no later than twenty-five (25) daysof
YFLAH1 (BXCV12)-e or misleading
this Agreement. statements
You are also in any credit application
responsible or credit update;
for all transactions made tooryour h) ifaccount
something afterhappens that unless
termination, the Credit
the
cash advances. Cash advances are not available on the Micro Business Platinum card
from the statement closing date. All payments must be made in U.S. dollars and if made by a negotiable program.
Union believes
transactions may
were substantially reduce your ability to repay what you owe. When you are in default, the Credit
unauthorized.
instrument
9. OTHERsuch as a check
CHARGES. or money
In addition to order, must be
the Interest Rate, in aadditional
form acceptable
fees maytobe us imposed
and drawn on on a U.S.
your financial
account. The Union has the right to demand immediate payment of your full account balance without giving you notice. If
institution. You may pay more frequently, pay more than the minimum payment
amount and description of these fees are disclosed on the Addendum accompanying this Agreement. or pay the Total New Balance in The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the
immediate payment is demanded, you agree to continue paying finance charges, at the applicable interest rate,
full. If you make extra or larger payments, you are still required to make at least the minimum payment each Credit Union
until what youallowecards
hasuponbeenrequest
paid, and or upon termination
any shares of this
that were Agreement
given as securitywhether
for yourby you or the
account mayCredit Union.
be applied
month your account has a balance (other than a credit balance). The minimum payment for your account is The Credit Union has the right to require you to pay your full account balance at any time after your account is
towards what you owe.
shown on the Addendum accompanying this Agreement. In addition to the minimum payment, you must also pay, terminated, whether it is terminated by you or the Credit Union.
by the date specified above, the amount of any prior minimum 2 payment(s) that you have not made, allYFLAH1 outstanding
(BXCV12)-e 16. CHANGING OR TERMINATING AUTHORIZED USERS. 3 Upon your request, we may issue additional cards
YFLAH1 (BXCV12)-e
unpaid fees and charges, and any amount you are over your credit limit. The Credit Union also has the right to for authorized users that you designate. You must notify us in writing of any termination of an authorized user's