Common use of CHANGING OR TERMINATING YOUR ACCOUNT Clause in Contracts

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency 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 rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 of this Agreement.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date, plus 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be imposed EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on all multiple currency foreign transactions, including purchasesyour account even though the sales, cash advances advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this agreement must be considered as part of the total agreement and credits to cannot in any way be severed from it. However, you also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the agreement. STATEMENT AND NOTICES: You will receive a statement each month showing transactions on your account. A fee (finance charge), calculated You are responsible for your minimum monthly payment even in U.S. dollars, the event your statement is late or returned to the Credit Union. Statements and notices will be imposed on all single currency foreign transactionsmailed to you at the most recent address you have given the Credit Union. Notice to any one of you will be considered notice to all. GOVERNING LAW: Except to the extent that Federal Law is applicable, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside the laws of the United Statesstate in which this document is written shall govern the validity, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 construction and enforcement of this AgreementAgreement and all matters arising out of the issuance and use of the Card.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa VISA from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date, plus 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. A fee (finance charge)Foreign Transactions Have Been Blocked Why: The increasing number and amount of International Fraud incidents have made it necessary for the Credit Union to Institute this security measure. What if I live or travel outside the United States: Call the Credit Card Services Dept., calculated in U.S. dollarsat the Credit Union 0-000-000-0000, M-F 8am to 5 pm, and advise that you live or will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card traveling outside of the United States, with or will be making an International Purchase. Your account will be unblocked for that country and specific time for the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 of this AgreementInternational Card Usage.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in U.S. dollars is either a rate selected by Visa from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be imposed EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on all multiple currency foreign transactions, including purchasesyour account even though the sales, cash advances advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this agreement must be considered as part of the total agreement and credits to cannot in any way be severed from it. However, you also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the agreement. STATEMENTS AND NOTICES: You will receive a statement each month showing transactions on your account. A fee (finance charge), calculated You are responsible for your minimum monthly payment even in U.S. dollars, the event your statement is late or returned to the Credit Union. Statements and notices will be imposed on all single currency foreign transactionsmailed to you at the most recent address you have given the Credit Union. Notice to any one of you will be considered notice to all. GOVERNING LAW: Except to the extent that Federal Law is applicable, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside the laws of the United Statesstate in which this document is written shall govern the validity, with construction and enforcement of the exception Agreement and all matters arising out of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 issuance and use of this Agreementthe Card.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal datetermination. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa VISA from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date, plus 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. A fee (finance charge)Due to increased credit/debit card fraud, calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or the Credit Union maintains a merchant completes block on your card Credit Card and Debit Card for all purchases made outside of the United States. To temporarily remove the block, contact The Credit Union at 0-000-000-0000. Provide the Credit Union with your dates of travel or the exception of U.S. military bases, U.S. territories, U.S. embassies dates you will be making an online or U.S. consulatestelephone purchase outside the United States. The Foreign Transaction Fee It is set forth on the Account Opening Disclosure on page 1 of this Agreementimportant to check your Credit Card statement(s) regularly to ensure no fraudulent charges have been made.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa VISA from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date, plus 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be imposed EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on all multiple currency foreign transactions, including purchasesyour account even though the sales, cash advances advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this agreement must be considered as part of the total agreement and credits to cannot in any way be severed from it. However, you also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the agreement. STATEMENT AND NOTICES: You will receive a statement each month showing transactions on your account. A fee (finance charge), calculated You are responsible for your minimum monthly payment even in U.S. dollars, the event your statement is late or returned to the Credit Union. Statements and notices will be imposed on all single currency foreign transactionsmailed to you at the most recent address you have given the Credit Union. Notice to any one of you will be considered notice to all. GOVERNING LAW: Except to the extent that Federal Law is applicable, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside the laws of the United Statesstate in which this document is written shall govern the validity, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 construction and enforcement of this AgreementAgreement and all matters arising out of the issuance and use of the Card.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa VISA from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date, plus 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The exchange conversion rate used in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting processing date. A fee (finance charge), calculated in U.S. dollars, will be imposed EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on all multiple currency foreign transactions, including purchasesyour account even though the sales, cash advances and credits to your accountadvances, credit or other slips you sign or receive may contain different terms. A fee (finance charge), calculated in U.S. dollars, will The Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this agreement must be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside considered as part of the United Statestotal agreement and cannot in any way be severed from it. However, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Account Opening Disclosure on page 1 you also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the agreement. NON-WAIVER: We can accept late payments or partial payments or checks or money orders marked "payment in full" without losing our rights under this Agreement. Our failure to take action following any event of default shall not constitute a waiver of our right to take action in the event of a future default.

CHANGING OR TERMINATING YOUR ACCOUNT. You agree that the Credit Union may change the terms of this Agreement from time to time after giving you any advance notice required by law at your last known address. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate your Agreement agreement to the change. You may request an increase in your credit limit either by written application or by phone. The Credit Union has the right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action shall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe under this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the renewal date. The card(s) you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or the Credit Union. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange currency conversion rate between used to determine the transaction currency and the billing currency used for processing international transactions amount in US dollars is either a rate selected by Visa VISA from a the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives receives, or the government- government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. , plus A fee (finance charge), calculated in U.S. dollars, dollars will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee foreign transaction fee is set forth on the Account Opening Disclosure disclosure accompanying this agreement. The conversion rate in effect on page 1 the processing date may differ from the rate in effect on the transaction date or posting date. EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this Agreementagreement must be considered as part of the total agreement and cannot in any way be severed from it. However, you also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the agreement.