Disclosure

Children's Online Privacy Protection

Protecting the information of our members and their children is very important. OMNI Community Credit Union will not collect, use or disclose online information received from children under the age of 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent use of information and participation in the activity. Online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent.

VISA

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

In this agreement,the reference to"We","Us","Our"and"Credit Union"mean OMNI COMMUNITY CREDIT UNION.The words"You"and"Your"mean each person accepting this Agreement.If this is a joint Account,read singular pronouns as plural.The words"Card"and"Credit Card"mean any Cashback Platinum and Cashback Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals.Convenience Checks mean the special account access devices that We may provide for Your use from time to time.You,as the Borrower,under a Credit Line Account("Account")understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute Our Agreement with You.You may request advances on Your Account through a variety of means which could include(but may not be limited to)telephonic requests,advance request forms,vouchers,checks,charge slips,Convenience Checks,Credit Cards,wire transfers,direct transfers and/or wire transfers to specific payees identified by You,direct transfers to Your Share/Share Draft or other Credit Union account and the like.Regardless of the means by which any advance is made,You promise to pay Us all amounts charged to Your Account by Your or by any user who has access to Your account,with actual apparent or implied authority for use of Your Account,including Finance Charges and other fees or charges described herein.

FEATURE CATEGORIES:Your Account has Feature Categories which may include Cashback Platinum and Cashback Platinum Rewards.

ADVANCES:Whenever You request a transaction,We may require You to prove Your identity.When the amount advanced appears on a subsequent statement that will be conclusive evidence of Your advance request unless You notify Us that You disagree with such items appearing on Your periodic statement according to the provision of this Agreement titled"YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE".You understand that all advances are subject to Our prior approval.

SECURITY:As permitted by law,to secure all transactions under this Agreement in either joint or individual Accounts,We have the right to impress and enforce a statutory lien against your shares on deposit with Us(other than those deposits established under a governmental approved tax deferral plan such as an IRA or Keogh Account),and any dividends due or to become due to You from Us to the extent that You owe on any unpaid balance on Your Account and We may enforce Our right to do so without further notice to You.Additionally,You agree that We may set-off any mutual indebtedness.

OTHER SECURITY:Collateral(other than household goods or any dwelling)given as security under this Agreement or for any other loan You may have with Us will secure all amounts You owe Us now and in the future if that status is reflected in the"Truth-in-Lending Disclosure"in any particular Agreement evidencing such debt.

LINE OF CREDIT LIMITS:You will be notified of each specific Credit Limit for each Feature Category for which You are approved.Unless You are in default,any Credit Limits established for You will generally be self-replenishing as You make payments.You will keep your unpaid balance within Your Credit Limit set by Us,and You will pay an amount over Your Credit Limit on Our demand whether or not We authorize the advances which caused You to exceed Your Credit Limit.Even if Your unpaid balance is less that Your Credit Limit,You will have no credit available during any time that any aspect of Your Account is in default.

JOINT ACCOUNTS:Each Borrower will be responsible,jointly and severally,for the repayment of any amounts owed.If any Account access device,such as a Personal Identification Number(PIN)is requested and approved,You understand that any such Account access device(s)will be mailed only to the primary Borrower at the address that We have on file for You.We may refuse to follow any instructions which run counter to this provision.

MINIMUM MONTHLY CONTRACTUAL PAYMENTS(PAYMENT SCHEDULE):Though You need only pay the Minimum Monthly Contractual Payments;You understand that You have the right to repay at any time without penalty.You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance.You may make larger payments without penalty.Any partial payment or prepayment will not delay Your next scheduled payment.All payments to Us must be in lawful money of the United States.
Upon receipt of a payment We shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest,and then to each successive balance bearing the next highest rate of interest until the payment is exhausted.
Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance.You understand that any delay in the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Charges.
Cashback Platinum and Cashback Platinum Rewards Minimum Contractual Payments will be an amount equal to 2.00%of Your new unpaid Cashback Platinum and Cashback Platinum Rewards balance at the end pf each billing cycle,subject to the lesser of $25.00 or Your balance,plus You may,by separate agreement,authorize Us to charge Your payment directly to Your Share or Share Draft Account.

VISA FINANCE CHARGES:In the case of any transactions under Your Cashback Platinum and Cashback Platinum Rewards Feature Categories the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month(new and previous).To get the average daily balance,We take the beginning balance of Your Account each day,add any new purchases,cash advances,insurance premiums,debit adjustments or other charges and subtract any payments,credit and unpaid Finance Charges.This gives Us the daily balance.Then,We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle.The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date.Otherwise,the new balance of purchases and subsequent purchases from the date they are posted to Your Account will be subject to the Finance Charge.Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account.

PERIODIC STATEMENTS:On a regular basis,You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since Your last statement.We will mail You a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed.We need not send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted.

EACH STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.

OUR RESPONSIBILITES TO HONOR CONVENIENCE CHECKS:We are under no obligation to honor Your Convenience Checks if:(1)by paying a Convenience Check,You would exceed Your Credit Limit;(2)Your Cards or Convenience Checks have been reported lost or stolen;(3)Your Account has been cancelled or has expired.If a postdated Convenience Check is paid and,as a result,any other Convenience check is returned unpaid,We are not responsible for any resulting loss or liability.