Credit Card Account Agreement Sample Contracts

Your Gander Mountain World Mastercard® Credit Card account agreement.
Credit Card Account Agreement • May 5th, 2020 • Delaware

This card is issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees.

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APPLICATION AND CREDIT CARD ACCOUNT AGREEMENT
Credit Card Account Agreement • October 23rd, 2013 • Utah
Contract
Credit Card Account Agreement • May 5th, 2020 • Delaware

Your DSW Rewards Visa® or DSW Rewards Visa® Signature Credit Card account agreement. This card is issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees. Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. • You have a right to reject this Arbitration Provision. • If you do not reject this Arbitration Provision, it will be part of this Agreement and will:

Contract
Credit Card Account Agreement • December 20th, 2022
TCU VISA Signature Rewards Card Account Agreement
Credit Card Account Agreement • January 28th, 2022 • Indiana

This TCU VISA Signature Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours under your Teachers Credit Union Signature Credit Card Account ("Account"). Please read it carefully and retain it for future reference; it contains the terms that will govern your Account. In this Agreement, the applicant, co-applicant, and any other person you authorize to use the account will be referred to as "you", "your", and "yours". There are two parts to this TCU Visa Signature Rewards Credit Card Agreement: TCU Visa Signature Rewards Credit Card Account and the TCU Visa Signature Rewards Credit Card Account Agreement. The TCU Visa Signature Rewards Credit Card Account shows a range of terms that includes both mail and online offers for new accounts available under this Agreement as of April, 2022. The combination of terms that could apply to you will differ depending on the specific card offer and on your creditworthiness at the

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • June 25th, 2020

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH- IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, SECURED VISA CLASSIC, VISA GOLD, VISA PLATINUM AND VISA FIREFIGHTERS GOLD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, SECURED VISA CLASSIC, VISA GOLD, VISA PLATINUM AND VISA FIREFIGHTERS GOLD CREDIT CARDS, ANDIOR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases VISA Classic: _16.000 % Secured VISA Classic: 16.000 %VISA Firefighters Gold: 10.250 %This APR will vary with the market based on the Prime Rate. VISA Gold: 10.250 %This APR will vary with the market based on the Prime Rate. VISA Platinum: 8.250 %This APR will vary with the market based on the Prime Rate. APR For Balance Transfers VISA Classic: 16.000 % Secured VISA Classic: 16.000%VISA Firefighters Gol

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • April 2nd, 2019

Fees Transaction Fees Cash Advance  Foreign Transaction Either $10.00 or 3.00% of the amount of each cash advance, whichever is greater (maximum fee: $75.00)1.00% of each foreign currency transaction in U.S. dollars.0.80% of each U.S. Dollar transaction that occurs in a foreign country. Penalty Fees Late Payment Returned Payment Over-The-Credit Limit Up to $15.00 Up to $30.00 Up to $15.00

CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE
Credit Card Account Agreement • April 11th, 2023

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH‐IN‐LENDING DISCLOSURE STATEMENTS, VISA CLASSIC AND VISA CLASSIC SECURED AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC AND VISA CLASSIC SECURED CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • March 22nd, 2023

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, SECURED VISA CLASSIC, VISA SIGNATURE REWARDS, AND VISA GOLD REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, SECURED VISA CLASSIC, VISA SIGNATURE REWARDS, AND VISA GOLD REWARDS CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS
Credit Card Account Agreement • January 31st, 2023

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, SECURED VISA CLASSIC, AND VISA PLATINUM AGREE- MENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, SECURED VISA CLASSIC, AND/OR VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • April 1st, 2020

THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD CLASSIC, MASTERCARD PLATINUM, SECURED MASTERCARD, MASTERCARD PLATINUM PLUS OR MASTERCARD MEMBERCASH CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases % MasterCard Classic % MasterCard Platinum % Secured MasterCard % MasterCard Platinum Plus % MasterCard MEMBERCashThese APRs will vary with the market based on the Prime Rate. Annual Percentage Rate (APR) For Balance Transfers % MasterCard Classic % MasterCard Platinum % Secured MasterCard % MasterCard Platinum Plus % MasterCard MEMBERCash These APRs will vary with the market based on the Prime Rate. Annual Percentage Rate (APR) For Cash Advances % MasterCard Classic % MasterCard Platinum % Secured MasterCard % MasterCar

SEE PAGE 2 for more important information about Your Account
Credit Card Account Agreement • November 6th, 2019

Interest Rate and Interest Charges (continued) Penalty APR And When it Applies 18.00%This APR may be applied if:1) You make a late payment. How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the Penalty APR will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase. Paying Interest We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financia

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • February 13th, 2023

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your Account Agreement for details.

Account Agreement Terms and Conditions (Agreement)
Credit Card Account Agreement • September 13th, 2021 • Virginia

INTEREST RATE AND INTEREST CHARGES ANNUAL PERCENTAGE RATE (APR) forPurchases, Cash Advances & Balance Transfers Introductory rate of 1.99%* for a period of 12 months on Purchases and Transfers in first 60 days based on your creditworthiness. Non-introductory rates 8.99% to 19.99%Non-introductory rates 10.99% to 21.99%Non-introductory rates 12.99% to 23.99% After introductory offer, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.** Essential Mastercard® Credit Card Cash Rewards Mastercard® Credit Card Flex Rewards World Mastercard® Credit Card Penalty APR and When it Applies NONE How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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. Minimum Interest Charge NONE For Credit Card Tips from

2OO9 Schotthill Woods Drive Jefferson City, Missouri 651O1 (573) 635-4185
Credit Card Account Agreement • September 17th, 2010

THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, VISA PLATINUM, SECURED VISA OR VISA MEMBERCASH CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • October 30th, 2020

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Contract
Credit Card Account Agreement • March 4th, 2020

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT P.O. Box 990Bremerton, Washington 98337(360) 662-2000 ● (800) 422-5852FAX (360) 698-6614 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA, VISA REWARDS AND VISA SIGNATURE CASH BACK AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA, VISA REWARDS AND VISA SIGNATURE CASH BACK CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READTHIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases VISA: 0.00 % Introductory APR for 12 monthsAfter that Your APR will be7.65-17.65%, and will vary with the market based on the Prime Rate.VISA Rewards: 0.00 % Introductory APR for 12 monthsAfter that Your APR will be9.65-19.65%, and will vary with the market based on the Prime Rate.VISA Signature Cash Back: 0.00 % Introductory APR for 1

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • July 1st, 2021

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE TRANSFERS), AND SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE TRANSFERS), OR SECURED VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • July 25th, 2013

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CREDIT CARD AND/OR OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Please refer to TOP OF PAGE 2 for more important information about Your Account
Credit Card Account Agreement • May 19th, 2021

Minimum Payment and Fees Minimum Payment The greater of $25.00 or 2% of unpaid balance. Annual Fee VISA Credit Builder Advantage, $25.00 Transaction Fees• Cash Advance• Foreign Transaction 3.00% of each advance, ($5.00 minimum).1.00% of each foreign currency transaction in U.S. Dollars.1.00% of each U.S. Dollar transaction that occurs in a foreign country. Penalty Fees• Returned Payment• Late Payment Up to $20.00$25.00, or $35.00 if there’s been a previous late payment in the prior 6 months. Replacement Card• Replacement Card• Expedited Delivery $10.00$40.00 (For replacement: Fee is in addition to replacement card fee) Copy Requests• Statement Copy• Retrieval Request (Merchant Sales Draft) $5.00$5.00

Contract
Credit Card Account Agreement • November 29th, 2017

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 5175 Parkstone Drive, Suite 200Chantilly, Virginia 20151(703) 480-5300 (800) 550-5328 THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH- IN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, VISA GOLD, VISA PLATINUM, FBINAA AFFINITY VISA, NSA AFFINITY VISA, LEEDA AFFINITY VISA, NEIA AFFINITY VISA, NNALEA AFFINITY VISA, SFSAFBI AFFINITY VISA, AFFNA AFFINITY VISA, ACA AFFINITY VISA, BLUE KNIGHTS AFFINITY VISA, SHARE SECURED VISA AND STUDENT VISA CREDIT CARDS. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IFANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases, Balance Transfers and Cash Advances 0.00% Introductory APR for 6 months (except for all previous credit union card accountholders, and all Share Secured VISA accountholders). After that, Your APR will be: 16.90% VISA

Contract
Credit Card Account Agreement • October 3rd, 2019

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT P.O. Box 200  Whittier, CA 90608-0200 (562) 698-8326  FAX (562) 698-2783www.cusocal.org THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases VISA Platinum Rewards: % Introductory APR for 12 months.After that, Your APR will be %. This APR may vary with the market based on the Prime Rate. Secured VISA Platinum Rewards: % Introductory APR for 12 months.After that, Your APR will be %. This APR may vary with the market based on the Prime Rate. APR For Balance T

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CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • November 8th, 2024

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM AND VISA PLATINUM SECURED AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM AND VISA PLATINUM SECURED CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
Credit Card Account Agreement • October 7th, 2013

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA PLATINUM REWARDS AND SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM, VISA PLATINUM REWARDS AND SECURED VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Contract
Credit Card Account Agreement • October 17th, 2017

This Credit Card Account Agreement (this “Agreement”) contains the terms of your Self-Help Credit Union Credit Card and starts as soon as you sign or use the card. The Credit Card Account Opening Disclosure is incorporated into this document and is a part of this Agreement.

Contract
Credit Card Account Agreement • July 5th, 2019

Fees Transaction Fees Cash Advance Foreign Transaction 3.00% of each advance.Up to 2.00% of each foreign currency transaction in U.S. Dollars.Up to 2.00% of each U.S. Dollar transaction that occurs in a foreign country. Penalty Fees Late Payment Returned Payment Up to $35.00Up to $35.00

EZ GO PERSONAL CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE STATEMENT
Credit Card Account Agreement • November 12th, 2014 • Oklahoma

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 25.00 % How to Avoid Paying Interest Your due date is a minimum of 20 days after the close of each billing cycle. You will not be charged any interest if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be a minimum of $1.00.

CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE
Credit Card Account Agreement • July 11th, 2020

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, MORE REWARDS VISA AND MORE REWARDS SECURED VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MORE REWARDS VISA AND MORE REWARDS SECURED VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Contract
Credit Card Account Agreement • September 26th, 2018

Toll Free: 800-692-2228FAX: 831-424-4778 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, AND SECURED VISA CLASSIC AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, AND SECURED VISA CLASSIC CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases VISA Classic: _ %Secured VISA Classic: % APR For Balance Transfers VISA Classic: % Secured VISA Classic: % APR For Cash Advances VISA Classic: % Secured VISA Classic: % Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge You interest on purchases and balance transfers if You pay Your entire balance owed by the due date each month. We will begin charging interest on cash advances on the transaction date. For

Allentown, PA 18103
Credit Card Account Agreement • November 15th, 2019

Member Number Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases VISA Platinum % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime Rate. VISA Platinum Rewards % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime Rate. VISA Platinum Secured % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime Rate. Annual Percentage Rate (APR) For Balance Transfers VISA Platinum % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime Rate. VISA Platinum Rewards % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime Rate. VISA Platinum Secured % Introductory APR for 6 months.After that, Your APR will be %. This APR will vary with the market based on the Prime R

Contract
Credit Card Account Agreement • May 5th, 2020 • Washington

School Employees Credti Union of Washington VISA� CREDIT CARD ACCOUNT AGREEMENT 1. INTRODUCTION. The Agreement covers your Visa Credit Card and Account (Platinum, Classic, or Youth) issued by School Employees Credit Union of Washington (�Lender�). In this Agreement the words �you,� �your,� �yours,� �applicant,� and �Borrowers� mean any person who signs the application for this Account; any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words �we,� �us,� �our,� and �Lender� mean School Employees Credit Union of Washington. The word �Card� means any one or more credit cards issued under this Account. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account. 2. PURCHASES AND CASH

BUSINESS CASH REWARDS CREDIT CARD ACCOUNT AGREEMENT
Credit Card Account Agreement • August 26th, 2019 • Pennsylvania

This Visa Credit Card Account Agreement (“Agreement”) and the Account Disclosures (“Account Disclosure”) given to you when you opened your Card account (“Account”) will govern your Visa Credit Card and Account issued by Riverfront Federal Credit Union (“Credit Union”). In this Agreement, the words "you," "your," "yours," "applicant," and "Borrower" mean any person who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words "we," "us," "our," and "Credit Union" mean Riverfront Federal Credit Union. The word "Card" means any one or more credit cards issued under this Account. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account.

CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE
Credit Card Account Agreement • March 6th, 2017

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, REWARDS VISA, SHARE SECURED VISA AND PLATINUM VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR REWARDS VISA, SHARE SECURED VISA AND PLATINUM VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

SEE PAGE 2 for more important information about Your Account
Credit Card Account Agreement • December 19th, 2017

Interest Rate and Interest Charges (continued) For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Contract
Credit Card Account Agreement • January 22nd, 2020

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS PO Box 4044Beaverton, OR 97076-4044(503) 626-6600 • Fax: (503) 350-0126 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, PLATINUM PRIME VISA, SAVINGS SECURED VISA, AND CASH BACK VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM PRIME VISA, SAVINGS SECURED VISA, AND CASH BACK VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR . Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases Cash Back VISA: %After that this APR will vary with the market based on the Prime Rate. Platinum Prime VISA: %After that this APR will vary with the market based on the Prime Rate. Savings Secured VISA: % APR for Balance Transfers Cash Back VISA: %After that this APR will vary with the market based on the

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