Common use of Credit Reports Clause in Contracts

Credit Reports. You authorize us to make or have made any credit, employment and investigative inquiries as we deem appropriate for the extension or combination of credit or collection of amounts owing on the Account. We can furnish information concerning your Account or credit file to consumer reporting agencies, and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with us. If you are in default, we may, at our option, declare the entire balance due without notice or demand. Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us on the effective date of such amendment(s), and such amendment(s) shall also govern any transaction occurring after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be located.

Credit Reports. You authorize us to make or have made any credit, employment and investigative inquiries as we deem appropriate for the extension or combination of credit or collection of amounts owing on the Account. We can furnish information concerning your Account or credit file to consumer reporting agencies, and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with us. If you are in default, we may, at our option, declare the entire balance due without notice or demand. Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union Global in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us on the effective date of such amendment(s), and such amendment(s) shall also govern any transaction occurring after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be located.

Credit Reports. We may provide information about You authorize and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on Your credit reports. This could include negative information if You do not comply with the terms of this Agreement. We may obtain and use credit and income information about You from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents: Either You or Your spouse may ask us to make close Your Account at any time by calling us at 0-000-000-0000 or have made by calling or writing us as described on Your Statement. Your Statement will provide additional information about this process, and we may also separately provide You with additional details after Your request. This might include payment information. All Cardholders: You may ask us to close Your Account at any credittime by calling us at 1-800- 000-0000 or by calling or writing to us as described on Your Statement. Your Statement will provide additional information about this process and we may also separately provide You with additional details after Your request. This might include payment information. Termination of Your Account will not affect Your obligation to pay the Account balance plus any finance and other charges You or Your spouse owe under this Agreement. Your obligation to pay the Account balance plus any finance and other charges You owe under this Agreement are subject to all applicable laws and regulations regarding repayment requirements. Any physical card You may receive in the future remains our property and You must recover and surrender to us all Cards upon request or upon termination of this Agreement. If You use Your Card or charges post to Your Account after You ask us to close it, employment we may keep it open or reopen it. We may close or suspend Your Account and investigative inquiries as we deem appropriate Your right to obtain credit from us. We may do this at any time and for the extension any reason permitted by law, even if You are not in default on Your account with us. A suspension of Your Account might be permanent or combination of credit temporary. If Your Account is closed or collection of amounts owing on suspended for any reason, You must stop using Your Card. You must also cancel all billing arrangements to the Account. We can furnish information concerning your Account or credit file to consumer reporting agencies, and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under will not do this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with usfor You. If you are in defaultwe close or permanently suspend Your Account, we may, at our option, declare the entire balance due without notice or demand. Default ChargesYou must also destroy all Cards. You must still pay us all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us amounts You owe on the effective date of such amendment(s)Account, and such amendment(s) shall also govern any transaction occurring even if they are charged after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases Your Account is closed or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be locatedsuspended.

Credit Reports. You authorize us the Bank to make or have made any credit, employment employment, and investigative inquiries as we deem Purchases, as the case may be, will be due. Your credit card includes a Pay Ahead feature which permits you to “carry it deems appropriate for the extension or combination of credit or the collection of amounts owing on the owed under your Account. We The Bank can furnish over” balances which are amounts paid in excess of the Minimum Payment Due. If you pay more than the amount information concerning your an Account or credit file to consumer reporting agencies, agencies and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment Due in any month, information as to the amount of excess paid will be stored and this Pay information. If you ask, you will be informed whether or not a consumer report on you was requested and the name and address Ahead amount will be applied to eliminate or reduce the Minimum Payment Due in the next two (2) billing cycles. of the consumer reporting agency that furnished the report. Pay Ahead amounts will not be carried beyond two (2) billing cycles. If you pay your balance in full, any information 26. AMENDMENT OF AGREEMENT – The Bank can change this Agreement, including Interest Charges and the Annual Percentage stored as a Pay Ahead amount will be cleared and the process will begin again when a balance is carried beyond a Rate at any time as permitted by law. The Bank may sell or otherwise transfer your Account and any amounts owed by you to statement Payment Due Date. The Bank reserves the right to deactivate the Pay Ahead feature for any customer, at another creditor at any time. If the Bank does, this Agreement will still be in effect. any time. The Minimum Payment Due shown on your statement will give effect to the Pay Ahead feature. You agree 27. CANCELLATION – You may cancel your Account at any time by notifying us in writing and returning your Card or Cards and to pay any such Minimum Payment Due shown on or before the Payment Due DateDate shown on each periodic statement. Checks cut in half. However, you try remain responsible to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with us. If you are in default, we may, at our option, declare the entire balance due without notice or demand. Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us on the effective date of such amendment(s), and such amendment(s) shall also govern any transaction occurring after such effective date. We will have the right to assign and transfer our rights under this Agreement with Interest Charges and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be located.charges

Credit Reports. We may provide information about You authorize and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on Your credit reports. This could include negative information if You do not comply with the terms of this Agreement. We may obtain and use credit and income information about You from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents: Either You or Your spouse may ask us to make close Your Account at any time by calling us at 0-000-000-0000 or have made any credit, employment and investigative inquiries by calling or writing us as we deem appropriate for the extension or combination of credit or collection of amounts owing described on the AccountYour Statement. We can furnish Your Statement will provide additional information concerning your Account or credit file to consumer reporting agenciesabout this process, and others who we may properly receive that also separately provide You with additional details after Your request. This might include payment information. Irregular PaymentsAll Cardholders: You may ask us to close Your Account at any time by calling us at 1-866- 000-0000 or by calling or writing to us as described on Your Statement. We can accept late payments Your Statement will provide additional information about this process and we may also separately provide You with additional details after Your request. This might include payment information. Termination of Your Account will not affect Your obligation to pay the Account balance plus any finance and other charges You or partial payments, or checks and money orders marked “payment in full” without losing any of our rights Your spouse owe under this Agreement. Default. Your obligation to pay the Account balance plus any finance and other charges You will be in default on owe under this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become are subject to bankruptcy all applicable laws and regulations regarding repayment requirements. The Cards you receive remain our property and you must recover and surrender to us all Cards upon request or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision upon termination of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with us. If you are in default, we may, at our option, declare the entire balance due without notice or demand. Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us on the effective date of such amendment(s), and such amendment(s) shall also govern any transaction occurring after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend Your Account and Your right to obtain credit from us. We may do this at any time and for Purchases any reason permitted by law, even if You are not in default on Your account with us. A suspension of Your Account might be permanent or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing datetemporary. If a credit Your Account is subsequently given closed or suspended for a transaction in a currency other than U.S. dollars and any reason, You must stop using Your Card. You must also cancel all billing arrangements to the credit has a different processing dateAccount. We will not do this for You. If we close or permanently suspend Your Account, then the converted amount of the credit may be greater/ less than the converted amount of the original transactionYou must also destroy all Cards. The currency conversion rate You must still pay us all amounts You owe on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be Account, even if they are charged a fee by the ATM operator after Your Account is closed or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be locatedsuspended.

Credit Reports. You authorize us to make or have made any credit, employment and investigative inquiries as we deem appropriate for the extension or combination of credit or collection of amounts owing on the Account. We can furnish information concerning your Account or credit file to consumer reporting agencies, and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with us. If you are in default, we may, at our option, declare the entire balance due without notice or demand. Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union Global in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us on the effective date of such amendment(s), and such amendment(s) shall also govern any transaction occurring after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ greater/less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA Global does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA Global you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be located.

Credit Reports. We may provide information about You authorize and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on Your credit reports. This could include negative information if You do not comply with the terms of this Agreement. We may obtain and use credit and income information about You from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents: Either You or Your spouse may ask us to make close Your Account at any time by calling us at 0-000-000-0000 or have made by calling or writing us as described on Your Statement. Your Statement will provide additional information about this process, and we may also separately provide You with additional details after Your request. This might include payment information. All Cardholders: You may ask us to close Your Account at any credittime by calling us at 1-800- 418-2362 or by calling or writing to us as described on Your Statement. Your Statement will provide additional information about this process and we may also separately provide You with additional details after Your request. This might include payment information. Termination of Your Account will not affect Your obligation to pay the Account balance plus any finance and other charges You or Your spouse owe under this Agreement. Your obligation to pay the Account balance plus any finance and other charges You owe under this Agreement are subject to all applicable laws and regulations regarding repayment requirements. Any physical card You may receive in the future remains our property and You must recover and surrender to us all Cards upon request or upon termination of this Agreement. If You use Your Card or charges post to Your Account after You ask us to close it, employment we may keep it open or reopen it. We may close or suspend Your Account and investigative inquiries as we deem appropriate Your right to obtain credit from us. We may do this at any time and for the extension any reason permitted by law, even if You are not in default on Your account with us. A suspension of Your Account might be permanent or combination of credit temporary. If Your Account is closed or collection of amounts owing on suspended for any reason, You must stop using Your Card. You must also cancel all billing arrangements to the Account. We can furnish information concerning your Account or credit file to consumer reporting agencies, and others who may properly receive that information. Irregular Payments. We can accept late payments or partial payments, or checks and money orders marked “payment in full” without losing any of our rights under will not do this Agreement. Default. You will be in default on this Agreement if you do not make at least the Minimum Payment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment proceedings are instituted against you or your property, or we reasonably deem ourself insecure, you provide us with false information or signature, die or fail to comply with any provision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have exceeded your Credit Limit does not waive the default. Default on any Account or other obligation that you have with us will constitute default on all Accounts with usfor You. If you are in defaultwe close or permanently suspend Your Account, we may, at our option, declare the entire balance due without notice or demand. Default ChargesYou must also destroy all Cards. You must still pay us all costs, disbursements and reasonable attorneys’ fees incurred by us in legal proceedings to collect or enforce the debt on this Account in the event of default by you or in the event of a breach of any obligation by you under this Agreement; additionally, any amount spent or costs incurred by the credit union in the event of a default will be added to the unpaid account balance and finance charges will continue to accrue at the same rate as the account. Delay in Enforcement. We can delay enforcing our rights under this Agreement without losing them. Amendment and Assignment. Upon such notice to you, if any, as may be required by law, the terms and conditions set forth in this Agreement may be amended by us at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of such amendment(s), as to which there is any unpaid balance owing to us amounts You owe on the effective date of such amendment(s)Account, and such amendment(s) shall also govern any transaction occurring even if they are charged after such effective date. We will have the right to assign and transfer our rights under this Agreement and any amounts you owe to us; and the term “us” shall be deemed to include each and every immediate and successive assignee. Foreign Transactions. If you use your Card for Purchases Your Account is closed or Cash Advances in a currency other than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International, Inc. under their rules set forth from time to time. Currently, the rules specify that the currency conversion rate is a rate selected by Visa from 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, or the government-mandated rate in effect for the applicable central processing date. If a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit has a different processing date, then the converted amount of the credit may be greater/ less than the converted amount of the original transaction. The currency conversion rate on the day before the transaction processing date will be used and may differ from the rate in effect at the time of the original transaction. You agree to accept the converted amount in U.S. dollars. ATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using your Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee by the ATM operator or any network used. Illegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo by an online merchant does not mean that transactions are lawful in all jurisdictions in which cardholders may be locatedsuspended.