Visa Premier Classic Line of Credit Agreement between Affinity Plus and You. Interest Rates and Interest Charges. Fees

Similar documents
This APR will vary with the market based on the Prime Rate.

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

F5 Introductory APR for a period of six billing cycles. F8 Introductory APR for a period of six billing cycles.

CONSUMER CREDIT CARD AGREEMENT

9.90% to 17.90% 9.90% to 17.90% 9.90% to 17.90%

VISA SECURED CLASSIC/ VISA NO FRILLS CLASSIC/VISA PLATINUM/ VISA CASH BACK CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

KIRTLAND FEDERAL CREDIT UNION VISA PLATINUM/VISA PLATINUM CU REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM AND VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM SECURED/VISA PLATINUM/ ONYX SMART REWARDS/MIT ALUMNI CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA SIGNATURE/VISA REWARDS/VISA TRADITIONAL Application and Solicitation Disclosure

VISA CLASSIC/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT

FLORIDA CREDIT UNION

VISA CLASSIC CREDIT CARD ACCOUNT OPENING DISCLOSURE

VISA PLATINUM ELITE/VISA PLATINUM SELECT/VISA PLATINUM/VISA PLATINUM SECURE CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT

MASTERCARD REWARDS/MASTERCARD CASHBACK CONSUMER CREDIT CARD AGREEMENT

P.O. Box 7560 Baltimore, MD (410) TTY: (410)

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

APPLICATION AND SOLICITATION DISCLOSURE

11.00% to 18.00% when you open your account, based on your % to 18.00% when you open your account, based on

After that, your APR will be 12.40% to 21.40%, based on your. Visa Platinum N/A. Visa Platinum Variable. Visa Platinum.

Extreme Visa 1.99% 15.90% Visa Secured 15.90% Extreme Visa. your creditworthiness. Visa Secured. Extreme Visa. your creditworthiness.

FLORIDA CREDIT UNION

This information is accurate as of March 31, 2017.

APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Card Visa Platinum Secured Card Visa Signature Rewards Card. Consumer Credit Card Agreement

Example of Credit Card Agreement for Bank of America Visa Signature accounts

ACCOUNT NUMBER SOCIAL SECURITY NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER

BUSINESS SELECT MASTERCARD WITH CASHBACK REWARDS

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

CONSUMER CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE

Visa Rewards Platinum. Visa Platinum. Visa Platinum Secured. Visa Platinum. Visa Platinum Secured. Visa Platinum. Visa Platinum Secured

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

Account Opening Disclosures

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

Credit Union Credit Card Disclosures

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

One Credit Union Plaza P.O. Box 1450 Corning, New York or

Agreement. Credit Card Agreement

TINKER FEDERAL CREDIT UNION VISA

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

3.99% introductory rate on purchases for 6 months from date of account opening.

Truliant Federal Credit Union VISA CLASSIC. None. None None. None

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

SOUTHERN BANK AND TRUST COMPANY CONSUMER CREDIT CARD CARDHOLDER AGREEMENT & DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

Alliant Cashback Visa Signature Card Agreement

SELF-HELP CREDIT UNION CREDIT CARD ACCOUNT AGREEMENT

The APR will vary with the market based on the Prime Rate. Option A

Truliant Federal Credit Union VISA CLASSIC. None. None None. None

*SUPPLEMENT TO SECURED PLATINUM VISA CREDIT CARD CARDHOLDER DISCLOSURE AND AGREEMENT

SECURED CREDIT CARD AGREEMENT AND DISCLOSURE

GOLD MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT

Credit Card Application

PLATINUM CASHBACK REWARDS MASTERCARD

PLATINUM CREDIT CARD AGREEMENT

SUMMARY OF IMPORTANT CREDIT TERMS. This APR will vary with the market based on the Prime Rate.

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT (September 2017)

opening.* The APR will vary with the market based on the Prime Rate.

Diamond Premier/Diamond Cash Back VISA: % 0.00 introductory APR for the. for the first months following the date You establish Your Card.

AUTHORIZATION AND PAYMENT

1.90% introductory APR is effective upon the opening of your account if

VISA PLATINUM SECURE Important Terms and Conditions. You must be a First Security Bank deposit or loan account customer to obtain this card.

VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT

Truliant Federal Credit Union VISA PLATINUM 9.9% None. None $ None

BUSINESS CREDIT CARD AGREEMENT

Visa Credit Card Agreement

ALLOWED USE You agree to: use your Account only for lawful purposes use your Account for only personal, family, household, or charitable purposes; and

use information from your check to initiate an electronic fund transfer from your payment account according to the terms of the check; or

Cardholder Agreement

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

13.99%* This APR may vary with the market based on the Wall Street Journal Prime Rate.

10.99% INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR)

ISPFCU VISA PLATINUM PROGRAMS TERMS AND CONDITIONS The information about the costs of the card described is accurate as of July 14, 2017.

CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

REDSTONE FEDERAL CREDIT UNION Visa Signature, Reward, Traditional or Share Secured Visa Traditional Account Opening Summary

You understand that the convenience checks will not be returned to you.

Visa Classic Secured Credit Card Account Disclosures

*SUPPLEMENT TO WCCU LOW RATE & REWARDS PLATINUM VISA CREDIT CARD CARDHOLDER DISCLOSURE AND AGREEMENT

If you are charged interest, the charge will be no less than $0.50. Fees

use your Account for only personal, family, household, or charitable purposes; and INTERNAL

DuPont Community Credit Union MASTERCARD PLATINUM CREDIT CARD

Credit Card Agreement and Disclosure Statement

0% introductory APR for 6 months from account opening date. After that

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT

BUSINESS CREDIT CARD AGREEMENT

GOLD MASTERCARD PLATINUM MASTERCARD AGREEMENT BILLING RIGHTS & CREDIT CARD DISCLOSURE IMPORTANT KEEP THIS NOTICE FOR FUTURE USE

MCU VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

Transcription:

Interest Rates and Interest Charges Variable Annual Percentage Rate (APR)* For Purchases, Cash Advances and Balance Transfers How We Calculate Your Variable Rates Paying Interest Minimum Interest Charge For Credit Tips from the Federal Reserve Board 8.15% - 18% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the U.S. Prime Rate. This APR may change based upon your creditworthiness. Variable Rates are calculated by adding together an index and a margin. This index is the highest U.S. Prime Rate as published in the Money Rates section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U. S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, in our sole discretion, substitute another index. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. None To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: http://www.federalreserve.gov/creditcard. Fees Annual Fee Transaction Fees Balance Transfer Cash Advance Foreign Transaction Penalty Fees Late Payment Returned Check None None Either $2.00 or 2% of the amount of each transfer, whichever is greater. 1% of each transaction in U.S. Dollars. $15.00 $20.00 *These rates were in effect as of the first day of January 2015. Rates are subject to change monthly. For updated rate information, please call (800) 820-5793 or visit www.affinityplus.org. Rates subject to credit history. How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreements. M#112395

The purpose of this Agreement is to establish the terms and conditions of a Visa Premier Classic CREDIT CARD line of credit between Affinity Plus and you. In this agreement, the word you means each person who applies for a Visa Credit Card or who is authorized to use the credit card. We, us or our refers to Affinity Plus Federal Credit Union. The Word card means your Visa Credit Card and any duplicates of that card. The word account means your Visa Credit Card revolving credit account with Affinity Plus. Please read this Agreement carefully because it tells you your rights and obligations. You should keep this notice for future reference. You can use your Visa line of credit to: Make purchases from any vendor who accepts Visa, including telephone and internet transactions. Take a cash advance against your line of credit at an ATM, financial institution, or other vendors (many hotels will give you an advance). Write convenience checks against your line of credit which is treated as a cash advance (the interest begins accruing immediately). However, the cash advance fee noted below does not apply on convenience checks or balance transfers. 1. REVOLVING LINE OF CREDIT. Approval by Affinity Plus will establish the following: The credit limit approved establishes the amount of credit we will extend to your Account. This credit limit will be drawn upon as you utilize the issued Visa Credit Card. You must repay the line of credit in accordance with terms and conditions set forth herein. The card remains the property of Affinity Plus and will be surrendered immediately upon request. This card is not transferable and the privileges may be revoked any time without prior written notice. 2. USING YOUR CARD. You understand that use of your credit card will constitute your acknowledgement of receipt and your agreement to the terms of this Agreement and Disclosures. 3. FINANCE CHARGE CASH ADVANCE. The FINANCE CHARGE on cash advances is calculated as follows: A FINANCE CHARGE will be imposed on cash advances that you obtain through the use of your card during the current billing cycle from the date of each Cash Advance. The FINANCE CHARGE will continue to accrue until paid if paid during the same billing cycle as made. If the FINANCE CHARGE is not paid in full during the same billing cycle as made, the FINANCE CHARGE will continue to accrue on the unpaid balance until closing date of the billing cycle preceding the date on which the entire new balance is paid in full. The method of computing the balance of cash advances subject to FINANCE CHARGE is the average daily outstanding unpaid balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of cash advances is determined by adding to the previous balance any new cash advances as of the transaction date, and subtracting each payment and credit on the date of receipt, but excluding any unpaid FINANCE CHARGES. 4. FINANCE CHARGES CREDIT PURCHASES. The FINANCE CHARGE on credit purchases is calculated as follows: A FINANCE CHARGE will be imposed on credit purchases of goods and services that you obtain through the use of your card only if you elect not to pay the entire new balance shown on your previous monthly statement within 25 days from the closing date of the statement. If you elect not to pay the entire new balance shown on your previous monthly statement within 25 days from the closing date of the statement, a FINANCE CHARGE will be imposed on the unpaid balance of credit purchases from the statement closing date and on credit purchases made during the current billing cycle from the transaction date of each such credit purchases to the account. FINANCE CHARGES will continue to accrue until the closing date of the billing cycle proceeding the date on which the entire new balance is paid in full. The method of computing the balance of credit purchases subject to FINANCE CHARGES is the average daily balance, including new purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the previous balance any new credit purchases if the previous balance was not paid in full within 25 days of the statement closing date, and subtracting each payment and credit on the date of receipt, but excluding any unpaid FINANCE CHARGES. 5. INTEREST RATES 5.1 INTEREST RATES - ANNUAL PERCENTAGE RATES (APRs). This section provides the interest rates, also referred to as corresponding Annual Percentage Rates (APRs), which are applicable to your account. The APR corresponds to the Daily Periodic Rate (DPR): the APR is equal to the DPR multiplied by 365, and the DPR is equal to the APR divided by 365. Interest charges are calculated by using the DPR. If a rate is a variable rate, we calculate that APR by adding together an index and a margin. For more information on variable rates, please refer to the How to Calculate Variable Rates section within this Agreement. 5.2 PROMOTIONAL RATES AND FEES. Promotional or Introductory Offers are temporary APRs (Promotional or Introductory Rates) or transaction fees (Promotional or Introductory Fees) that are offered on certain qualifying new transactions for a specified period of time. Each Offer will be assigned a unique Offer ID which will appear on your credit card statement after the first qualified new transaction for that Offer. If you revolve your balance to take advantage of a Promotional or Introductory Offer, all transactions and balances, including purchases, will be charged interest. 5.3 CURRENT RATES. Your current rate is the rate that will apply to transactions that are not subject to an Introductory or a Promotional Rate. [See the Pricing Information table for current rates.]

5.4 HOW TO CALCULATE VARIABLE RATES. Variable Rates are calculated by adding together an index and a margin. This index is the highest U.S. Prime Rate as published in the Money Rates section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. Any changes will apply to both existing and future balances on your account. The APR will continue to vary even if your account is closed. If The Wall Street Journal does not publish the U. S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, in our sole discretion, substitute another index. 5.5 PERIODIC RATE. The periodic rate used to compute the FINANCE CHARGE for purchases varies based on your credit worthiness from.679167% per month with a corresponding ANNUAL PERCENTAGE RATE of 8.15% to a periodic rate of 1.5% per month with a corresponding ANNUAL PERCENTAGE RATE of 18% and will be based on your cumulative credit history and on the applicable prime rate and a margin. The periodic rate used to compute the FINANCE CHARGE on balance transfers is.679167% per month. The corresponding ANNUAL PERCENTAGE RATE is 8.15%. The APR will never be greater than 18%. Your APR is determined by your credit score at the time of a new application and will be reviewed every six (6) months. To determine your cumulative credit history, we use information from a consumer report provided by TransUnion, 2 Baldwin Place, P.O. Box 1000, Chester, PA 19022, (800) 888-4213 or www.annualcreditreport.com. You have the right to obtain a copy of your Consumer Report from the consumer agency without a charge. You may do so by calling the toll-free number or accessing the website. 6. FEES. In addition to the periodic rate, the following additional fees may be imposed on your account: a. Late Payment Fee A late fee of $15.00 will be assessed to your account if the minimum payment is not paid by the stated due date. b. Cash Advance Fee A cash advance fee of 2% of the transaction amount with a minimum of $2.00 and a maximum of $99.00 will be added to your account. c. Returned Check or Item fee If a check, share draft or automated payment used to pay your account is returned unpaid, you will be charged a $20.00 fee. 7. REPAYMENT. Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement. You may pay more frequently, pay more than the minimum payment 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 each month your account has a balance (other than a credit balance). The minimum payment is 1.5% of your total new balance, or $15, whichever is greater, or the entire balance if less than $15 plus the amount of any prior minimum payments that you have not made and any amounts you are over your credit limit. We have the right to demand immediate payment of any amount by which you are over your credit limit. 8. WHEN YOUR PAYMENT WILL BE CREDITED TO YOUR ACCOUNT. We credit payments as of the date received if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance slip on the front of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the bottom portion of your statement accompanying it. Payments received after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Credit for any other payments may be delayed up to five days. 9. HOW WE ALLOCATE YOUR PAYMENTS. Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment to the highest APR balances first. 10. PROMISE TO PAY APPLIES TO ALL PERSONS. All persons who initially or subsequently request, are granted, accept, guarantee or use the account are individually and together responsible for any total outstanding balance. If you are responsible to pay any total outstanding balance, we may refuse to release you from liability until all of the cards, access checks, and other credit devices outstanding under the account have been returned to us and you repay us the total outstanding balance owed to us under the terms of this Agreement. 11. EXPIRATION. Your card will expire three years from date of issue. If you still meet the required criteria, a new card will be issued automatically. 12. 24-HOUR CARDHOLDER SERVICE NUMBER. (866) 820-5793. Use this number to also report your card if it s lost or stolen. 13. COLLECTION COSTS. In the event of an action to collect unpaid balances, all costs, including attorney s fees, as may be reasonable and just, and also those costs, expenses and attorney s fees incurred in bankruptcy and appellate proceedings, shall be imposed.

14. SECURITY INTEREST. If you give us 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 until we agree 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 US, EXCEPT FOR SHARES IN AN IRA OR ANY OTHER ACCOUNT THAT WOULD LOSE 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 US TO APPLY THE BALANCE IN YOUR INDIVIDUAL OR JOINT SHARE ACCOUNT TO PAY ANY AMOUNTS DUE ON YOUR LINE OF CREDIT IF YOU SHOULD DEFAULT. Collateral securing other loans you have with us may also secure this loan, except that a dwelling will never be considered as security for this account, not withstanding anything to the contrary in any other Agreement. 15. RESPONSIBILITY. You promise to pay any and all charges incurred by you or by any person whom you authorize to use your Visa Credit Card and any fees or charges incurred thereof. 16. EFFECT OF AGREEMENT AND CHANGES. This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, disclosures or credit slips you sign or receive may contain different terms. Subject to applicable law, we may change this Agreement at any time, including the margin or method of determining the FINANCE CHARGE, by giving you written notice and as allowed by law. You have the right to opt-out of any change to your account. If you would like to opt-out of any change to your account after notification, please submit your request in writing or call (800) 322-7228 by the stated due date in the received notification. If you choose to opt-out, your account will be closed at the current terms and will not be reopened without a new signed application. Your existing balance may be subject to a five (5) year amortization to repay the existing balance. 17. DEFAULT. You acknowledge and agree that Affinity Plus may terminate your credit card and line of credit if you are in default. If you are in default, then in addition to our other remedies under this Agreement, we can require immediate payment of your total outstanding balance and, unless prohibited by applicable law, we can also require you to pay the costs we incur in any collection proceeding, as well as reasonable attorneys fees if we refer your account for collection to an attorney who is not our salaried employee. You will be in default if you fail to make any minimum payment within 25 days after the monthly statement closing date. You will also be in default if: (a) Your ability to repay us is materially reduced by a change in your employment or an increase in your obligations. (b) There are bankruptcy or insolvency proceedings involving you. (c) You die or are declared incompetent. (d) You break one of your promises under the Agreement. (e) You cancel your membership with us. (f) You exceed your line of credit. (g) You make an untrue statement on your Visa account application. (h) Your property is attached or garnished. (i) We believe, in good faith, that you are unable or unwilling to pay what you owe on your account. 18. TERMINATION. In the event your Visa Credit Card is terminated by Affinity Plus, you shall receive written notice of such termination. You may terminate this agreement at any time without reason by notifying us in writing. However, you understand and acknowledge that such termination shall not affect your obligation to pay any outstanding balance. 19. CREDIT INFORMATION. You authorize us to investigate your credit standing when opening, renewing, or reviewing your account, and you authorize us to disclose information regarding your account to other persons lawfully authorized to receive such information. 20. NEED FOR REAPPLICATION. You understand that a reapplication and approval by Affinity Plus shall be required if: (a) the credit limit is increased, or (b) the terms of payments are extended beyond the terms of the original agreement. 21. CREDIT LIMIT. You will not use your card or permit the use of your card to obtain credit purchases or cash advances which will cause Visa indebtedness to exceed your maximum credit limit. 22. RETURNS AND ADJUSTMENTS. Merchants and others who honor the card may give credit for returns or adjustments, and they will do so by issuing a credit slip which will be posted to your account. If your credits and payments exceed what you owe us, we will apply this credit balance against future purchases and cash advances to your account. If this credit balance is $1.00 or more, we will refund it upon your written request. 23. FOREIGN TRANSACTION FEE. The exchange rate for international transactions will be a rate selected by Visa from a range of rates available in wholesale currency markets, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, plus a transaction fee of 1% of the transaction amount in U.S. Dollars. 24. REFUSAL TO HONOR. We are not responsible for the refusal of anyone to honor your card. 25. STOP PAYMENT OF CONVENIENCE CHECKS. We will charge you $20.00 to place a stop payment on one check, and $40.00 for two or more in a series. These fees will be charged to your line of credit and interest will begin accruing immediately.

26. APPLICABLE LAW. This Agreement, except where federal laws and regulations apply, shall be governed by the laws of Minnesota. If any terms of this Agreement is determined by a court of law to be unenforceable, all other terms and conditions of this Agreement shall remain in effect. Married Wisconsin Residents Only: No provision of any marital property agreement, unilateral statement, or court order applying of material property will adversely affect a creditor s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. 27. CREDIT REPORTING AGENCIES; COLLECTING AND SHARING INFORMATION. You authorize us to collect information about you in order to conduct our business and deliver the great service you expect, including information we receive about you, information we receive from third parties such as credit reporting agencies and information about your transactions with us and other companies. You authorize us to share such information about you or your account with our affiliates and others. You may have the right to opt out of some information sharing. For more details, please refer to our Privacy Notice which is available online at: https://www.affinityplus.org/portals/0/documents/ap-privacy.pdf. If you believe we have furnished inaccurate or incomplete information about you or your account to a credit reporting agency, write to us at: Affinity Plus Federal Credit Union, 175 West Lafayette Frontage Road, Saint Paul, MN 55107. Please include your name, address, home phone number, and account number, and explain what you believe is inaccurate or incomplete. 28. LIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your card. Notify us immediately, in writing or by calling us at (800) 449-7728, if your card is lost, stolen or you suspect there has been unauthorized use of your card or account. You are not liable for any further unauthorized charges after you notify us of a loss, theft or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in handling your card. In any case your liability will not exceed $50.00 or the amount of the unauthorized use whichever is less. 29. ILLEGAL OR UNLAWFUL TRANSACTION. You may not use your card for any illegal gambling or other illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. Display of a payment card logo by, for example, an online merchant, does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. You may not use your account to conduct transactions in any country or territory, or with any individual or entity that is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury s Office of Foreign Assets Control (OFAC). Use of your account in those countries will be blocked. 30. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 31. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. If you think there is an error on your statement, write to us at: Affinity Plus Federal Credit Union, 175 West Lafayette Frontage Road, St. Paul, MN 55107, www.affinityplus.org. 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 wrong and why you believe it is a mistake. You must contact us: Within 60 days after the error appeared on your statement. At least three (3) 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 errors in writing [or 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. 32. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. When we receive your letter, we must do two things: 32.1 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. 32.2 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 responsible 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: a) If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. b) 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 date 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 must write to us within 10 days telling 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 delinquent, 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 $50.00 of the amount you question even if your bill is correct. 33. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT 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 merchants, you may have the right not to pay the remaining amount due on the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at: Affinity Plus Federal Credit Union, 175 West Lafayette Frontage Road, Saint Paul, MN 55107, www.affinityplus.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. 34. PROVISIONS OF THIS AGREEMENT ARE SEVERABLE. If any provision of this Agreement is found to be invalid, the remaining provisions will continue to be effective. We use section headings (e.g., Types of Transactions) to organize this Agreement. The headings are for reference purposes only. 35. YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS. You must notify us promptly when you change your address. We may also change your address if so notified by the post office or others. 36. WE MAY SELL YOUR ACCOUNT. We may at any time, and without notice to you, sell, assign or transfer your account, any amounts due on your account, this Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent sold, assigned or transferred. To use this right, all of the following must be true: The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (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.) 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. You must not yet have fully paid for the purchase. 1/15