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8385 Edgewood Road

Berrien Springs, MI 49103

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are

accurate as of ______________ . You can contact us toll free at (800) 442-2800 or 8385 Edgewood Road, Berrien Springs, MI

49103 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)

for Purchases, Cash Advances,

& Balance Transfers

Honor Select Rewards

Honor Select

% to %

depending on your credit history. This

APR will vary with the market based on

the Prime Rate.

% to %

depending on your credit history. This

APR will vary with the market based on

the Prime Rate.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not

charge you interest on purchases if you pay your entire new purchase balance by the

due date each month. We will begin charging interest on cash advances and balance

transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

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

FEES:

Fees to Open or Maintain your

Account

- Annual Fee:

- Application Fee:

None

Transaction Fees

- Balance Transfer:

- Cash Advance:

- Foreign Transaction:

None

1% of each transaction in U.S. dollars if the transaction involves a currency conversion

0.8% of each transaction in U.S. dollars if the transaction does not involve a currency

conversion

Penalty Fees

- Late Payment:

- Over-the-Credit Limit:

- Returned Payment:

Up to $40.00 if your payment is late 2 days or more.

None

Up to $40.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Minimum Payment Requirement: 2.00% of the outstanding balance or $25.00, whichever is greater.

9009 LASER FPDF FI14355 Rev 11-2019

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CREDIT CARD AGREEMENT

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE

DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HONOR CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU

AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

Using Your Card. You can purchase or lease goods and services from any

merchant who honors your Card, and you may obtain cash advances from

financial institutions and ATM machines that accept the Card, up to your

maximum credit limit. You agree not to present your Card or obtain a cash

advance for any extension of credit in excess of your available credit limit;

however, if you do exceed your credit limit, you agree to make immediate

payment sufficient to bring the balance below the credit limit. Certain

purchases and cash advances require authorization prior to completion of the

transaction. In some cases, you may be asked to provide identification. If our

system is not working, we may not be able to authorize a transaction, even

though you have sufficient credit available. Also, for security reasons, we may

block the use of your Card in certain countries or geographic areas. We will

have no liability to you or others if any of these events occur.

Notification Address For Information Reported to Consumer Reporting

Agencies. We may report the status and payment history of your Account to

credit reporting agencies each month. If you believe that the information we

have reported is inaccurate or incomplete, please notify us in writing at: Honor

Credit Union, 8385 Edgewood Road, Berrien Springs, MI 49103. Please

include your name, address, home telephone number and Account number

Personal Identification Number (PIN). We may issue a Personal

Identification Number (PIN) for use with your Card. This PIN is confidential

and should not be disclosed to anyone. You may use your PIN and your Card

to access your account, and all sums advanced will be added to your account

balance. In the event a use of your PIN constitutes an Electronic Funds

Transfer, the terms and conditions of your Electronic Funds Transfer

Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,

cash advances, and balance transfers made by you or anyone whom you

authorize to use the Card; (b) all Interest Charges and all other charges or

fees; (c) collection costs and attorney's fees as permitted by applicable law,

and any costs incurred in the recovery of the Card; and (d) credit in excess of

your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used

to make or facilitate any illegal transactions as determined by applicable law;

and that any such use will constitute an event of default under this Agreement.

We may decline any transaction that we believe to be illegal under applicable

law, including but not limited to any transaction involving or relating to any

gambling activity. You agree that we will have no liability or responsibility for

any such use by you or any authorized user(s); or for declining any such

transaction. You further agree to indemnify and hold us harmless from any

suits, liability, damages or adverse action of any kind that results directly or

indirectly from such illegal use. You promise to pay us any and all amounts

owing on your Card for any transactions made by you, even if the transaction

is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the

repayment of amounts owed, regardless of who initiated any transaction

under the account.

Others Using Your Account. If you allow anyone else to use your account,

you will be liable for all credit extended to such persons. You promise to pay

for all purchases and advances made by anyone you authorize to use your

account, whether or not you notify us that he or she will be using it. If

someone else is authorized to use your account and you want to end that

person's privilege, you must notify us in writing, and if he or she has a Card,

you must return that Card with your written notice for it to be effective.

Ownership of Card. Your Card remains our property and may be cancelled

by us at any time without notice. You agree to surrender your Card and to

discontinue use of the account immediately upon our request.

Interest Charges. Average Daily Balance including new transactions:

Interest Charges will accrue on your average daily balance outstanding during

the month. To get the average daily balance, we take the beginning balance

each day, add any new purchases, cash advances, balance transfers or other

advances, and subtract any payments, unpaid interest charges, and unpaid

late charges. This gives us the daily balance. Then, we add up all the daily

balances for the billing cycle and divide that by the number of days in the

billing cycle. We then multiply that by the periodic rate corresponding to the

Annual Percentage Rate on your account. If you have different rates for

purchases, cash advances or balance transfers, separate average daily

balances for each will be calculated and the appropriate periodic rate is then

applied to each.

FINANCE CHARGE. You agree to pay interest at the rate(s) disclosed to you

at the time you open your account and as may be changed from time to time

in accordance with applicable law. Your account is subject to a variable rate.

Your ANNUAL PERCENTAGE RATE (APR) may increase or decrease if the

Index used by the Credit Union increases or decreases. The Index is the

highest rate of interest identified as the “Prime Rate” in the “Money Rates”

section of The Wall Street Journal on the Wednesday preceding the billing

cycle. To determine the ANNUAL PERCENTAGE RATE that will apply to your

account, a Margin is added to the value of the Index. The Margin applicable to

your account will be determined by your creditworthiness. For example, based

upon a margin of ____ % (your margin may be different depending on your

credit score), plus an Index value of _____ % (which was the value of the

Index on _______ ), your Account would be subject to a FINANCE CHARGE

(interest) at an ANNUAL PERCENTAGE RATE OF _____ % with a

corresponding Monthly Periodic rate of ____ %. The ANNUAL

PERCENTAGE RATE can change once each month effective the first day of

the billing cycle. APR changes will reflect on the following month’s statement.

There is no limit on the amount by which the ANNUAL PERCENTAGE RATE

can change except that the ANNUAL PERCENTAGE RATE will never be

more than 25.00%. In no event will the rate ever exceed the maximum rate

permitted by law. Any change in the ANNUAL PERCENTAGE RATE affects

the entire balance involved and is effective at the beginning of the first billing

cycle which follows the change. The Credit Union reserves the right to

substitute a similar index if the Index described above becomes unavailable.

Grace Period on Purchases Only: You can avoid Interest Charges on

purchases by paying the full amount of the new balance for purchases each

month by the date on which the payment is due. Otherwise, the new balance

of your account, and subsequent advances from the date they are posted to

the account, will be subject to an Interest Charge. You cannot avoid Interest

Charges on cash advances and balance transfers; even if you pay the entire

cash advance balance or balance transfer balance by the payment due date,

you will incur the Interest Charges accrued from the date the cash advance or

balance transfer is posted to your account.

Fees. In addition to the Interest Charges set forth above, you agree to also

pay any and all fees that you incur as disclosed to you on your Truth-in-

Lending Statement or similar disclosures (as may be amended from time to

time), or as disclosed to you during the term of your Card.

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THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR

THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY

INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE

WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF

CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE

THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE

AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY

YOUR SHARES TO THE AMOUNT YOU OWE.

Shares and deposits in an Individual Retirement Account or any other

account that would lose special tax treatment under state or federal law if

given are not subject to this security interest.

If you have other loans with us, collateral securing such loans will also

secure your obligations under this Agreement, unless that other collateral

is your principal residence or non-purchase money household goods.

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IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE

DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HONOR CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU

AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You

agree to notify us immediately if your Card is ever lost or stolen or if an

unauthorized use may have occurred. "Unauthorized use" means the use of

the Card by someone other than you who does not have actual, implied or

apparent authority for such use, and from which you receive no benefit. The

telephone number to call is 800.442.2800. You agree to follow up your call

with notice in writing to us at: 8385 Edgewood Road, Berrien Springs, MI

49103. You also agree to assist us in determining the facts, circumstances

and other pertinent information relating to any loss, theft or possible

unauthorized use of your Card and comply with such procedures as we may

require in connection with our investigation. You will have no liability for

MasterCard transactions not authorized by you, provided that you have

exercised reasonable care in safeguarding the Card from risk of loss or theft,

and upon becoming aware of such loss or theft, you promptly report the loss

or theft to us.

Minimum Payment Due; Crediting of Payments. Payments are due in the

amount and on the date disclosed on your billing statement. If your payment

is received by us on a business day at the address and by the time

designated on the billing statement, it will be credited to your account on the

date of receipt. If payment is made at any location other than the address

designated on the periodic statement, credit for such payment may be

delayed up to five (5) days. Payments will be applied in any order we

determine, subject to applicable law.

Default; Acceleration; Credit Suspension; Collection Costs. You will be in

default if: (1) you fail to make any payment on time; (2) if you fail to keep any

promises you have made under this Agreement or under other Agreements

you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a

bankruptcy petition filed against you, or if you become involved in any

insolvency, receivership or custodial proceeding; (5) if anyone attempts to

take any of your funds held by us via legal process or if you have a judgment

or tax lien filed against you; (6) if you make any false, inaccurate, or

misleading statements in any credit application or credit update; or (7) if we, in

good faith, believe that your ability to repay what you owe is or soon will be

impaired, or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your

full account balance without giving you notice. If immediate payment is

demanded, you agree to continue paying interest charges and fees until what

you owe has been paid, and any shares that were given as security for your

account may be applied towards what you owe. You agree to pay all

reasonable costs of collection, including court costs and attorney's fees, and

any costs incurred in the recovery of the Card, subject to applicable law. Even

if your unpaid balance is less than your credit limit, you will have no credit

available during any time that any aspect of your account is in default.

Suspension of electronic services and access to share or deposit

accounts. Subject to applicable law, we may suspend some or all electronic

services and access to your checking or other account(s) if you become

delinquent on any of your credit card or deposit obligations to us or you cause

a loss to us. We shall not be liable to you in any regard in connection with

such suspension of services.

Additional Benefits/Card Enhancements. We may from time to time offer

additional services to your Account at no additional cost to you. You

understand that we are not obligated to offer such services and may withdraw

or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to you which

may be used for any purpose other than making a payment for credit to your

account. By signing such check, you authorize us to pay the item for the

amount indicated and post such amount as a cash advance to your account.

We do not have to pay any item which would cause the outstanding balance

in your account to exceed your credit limit.

Credit Review and Release of Information. You authorize the Credit Union

to investigate your credit standing when opening or reviewing your Account.

You authorize the Credit Union to disclose information regarding your Account

to credit bureaus and creditors who inquire about your credit standing. If your

account is eligible for emergency cash and/or emergency card replacement

services, and you request such services, you agree that we may provide

personal information about you and your account that is necessary to provide

you with the requested service(s), including personal data to MasterCard for

the purpose of providing you with MasterCard Emergency Cash or

MasterCard Emergency Card Replacement services.

Foreign Transactions; Currency Conversion. Purchases and cash

advances made in foreign currencies will be billed to you in U.S. dollars. The

conversion rate in dollars will be a rate selected by the card company from a

range of rates available in wholesale currency markets for the applicable

central processing date, which rate may vary from the rate the card company

itself receives, or the government-mandated rate in effect for the applicable

central processing date in each instance. All transactions processed outside

of the United States (which may include internet transactions) will be charged

a foreign transaction fee in the amount disclosed on your Truth-in-Lending

Statement (as amended from time to time).

Termination; Change-in-Terms. We may, by written notice, terminate this

Agreement at any time, subject to applicable law. You may terminate this

Agreement by written notice. Termination by either party shall not affect your

obligation to repay any balance on your account resulting from use of the

Card as well as Interest Charges and fees incurred. We may change the

terms of this Agreement, including the method of calculating the periodic rate,

at any time, by written notice, subject to applicable law. Use of the Card

constitutes agreement and acceptance of any change in terms, unless

applicable law requires otherwise. Our failure to exercise any of our rights or

to take any action shall not constitute a waiver of those rights, or an

amendment or change in any of the terms of this Agreement.

Late or Partial Payments. Any payment that delays the reduction of your

balance will increase your total interest costs. Partial payments or

prepayments will not delay your next scheduled payment - you will still need

to make the minimum scheduled payment by the next scheduled due date to

keep your account current. We may accept late payments, partial payments,

checks or money orders marked "payment in full" and such action shall not

constitute final settlement of your account or a waiver or forgiveness of any

amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related agreement

if we delay enforcing them. If any provision of this or any related agreement is

determined to be unenforceable or invalid, all other provisions remain in full

force and effect.

Returns and Adjustments. Merchants and others who honor the Card may

give credit for returns or adjustments, and they will do so by submitting a

credit slip which will be posted to your account. If your credits and payments

exceed what you owe us, the amount will be applied against future purchases

and cash advances. If the credit balance amount is $1 or more, it will be

refunded upon your written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of any plan

merchant or financial institution to honor your Card. Also, we are not

responsible for goods or services that you purchase with the Card unless: (a)

your purchase was made in response to an advertisement we sent or

participated in sending you; or (b) your purchase cost more than $50 and was

made from a plan merchant in your state or within 100 miles of your home;

and only if you have made a good faith attempt, but have been unable to

obtain satisfaction from the plan merchant. You must resolve all other

disputes directly with the plan merchant. We do not warrant any merchandise

or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the

most recent postal address or e-mail address (if you have elected to receive

such documents via electronic means) you have given us. Notice sent to any

one of you will be considered notice to all.

Notification of Address Change. You will notify us promptly if you change

your address for any reason. In order to prevent identity theft, your identity

may need to be verified before we act upon the notification.

Copy Received. You acknowledge that you have received a copy of this

Agreement.

Governing Law. This Agreement shall be construed under federal law and

state law in the state in which we are primarily located, and the venue shall be

located in the county and state in which we are primarily located. Operating

regulations of MasterCard may also apply. This Agreement is the contract that

applies to all transactions even though the sales, cash advance, convenience

check, credit or other slips you sign or receive may contain different terms.

NOTICE TO UTAH BORROWERS: This written agreement is a final

expression of the agreement between you and the Credit Union. This written

agreement may not be contradicted by evidence of any oral agreement.

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YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the

Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es)

listed on your statement.

In your letter, give us the following information:

1. Your name and account number.

•

If we made a mistake: You will not have to pay the amount in question or

any interest or other fees related to that amount.

If we do not believe there was a mistake: You will have to pay the amount

in question, along with applicable interest and fees. We will send you a

statement of the amount you owe and the date payment is due. We may

then report you as delinquent if you do not pay the amount we think you

owe.

Within 60 days after the error appeared on your statement.

At least 3 business days before an automated payment is scheduled, if

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you

do, we are not required to investigate any potential errors and you may have

to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received

your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or

explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as

delinquent on that amount.

The charge in question may remain on your statement, and we may

continue to charge you interest on that amount.

While you do not have to pay the amount in question, you are responsible

for the remainder of your balance.

We can apply any unpaid amount against your credit limit.

If you receive our explanation but still believe your bill is wrong, you must write

to us within 10 days telling us that you still refuse to pay. If you do so, we

cannot report you as delinquent without also reporting that you are

questioning your bill. We must tell you the name of anyone to whom we

reported you as delinquent, and we must let those organizations know when

the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50

of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with

your credit card, and you have tried in good faith to correct the problem with

the merchant, you may have the right not to pay the remaining amount due on

the purchase.

To use this right, all of the following must be true:

The purchase must have been made in your home state or within 100

miles of your current mailing address, and the purchase price must have

been more than $50. (Note: Neither of these are necessary if your

purchase was based on an advertisement we mailed to you, or if we own

the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made

with cash advances from an ATM or with a check that accesses your

credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the

purchase, contact us in writing at the address(es) listed on your statement.

While we investigate, the same rules apply to the disputed amount as

discussed above. After we finish our investigation, we will tell you our

decision. At that point, if we think you owe an amount and you do not pay, we

may report you as delinquent.

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IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military

Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”)), and (a) your loan is unsecured or secured by personal property or a vehicle

that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving

line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).

NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.

In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36

percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection

fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for

specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive

this notice verbally, please call 1-800-442-2800 during our normal business hours: Monday – Friday 8:00 am – 8:00 pm, Saturday 9:00 am – 12:00 pm.

This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection

with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization

provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject

to the Military Lending Act.

However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the

sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.

Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to

waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from

you in order to exercise your legal rights; or (d) Prepayment penalties.

Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to

these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms

and conditions of the consumer credit contract shall remain in full force and effect.

After we finish our investigation, one of two things will happen:

2. The dollar amount of the suspected error.

3. If you think there is an error on your bill, describe what you believe is

wrong and why you believe it is a mistake.

You must contact us:

•