VISA^® SIGNATURE REWARDS PROGRAM RULES

IMPORTANT TERMS AND APPLICATION AGREEMENT

You earn points on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total points earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase.

• 5X points is offered on Utility purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter.
• A 4X points on restaurants, including fast food and food delivery purchases from eligible merchants.
• A 3X points is offered on travel and gas purchases from eligible merchants.
• A 2X points is offered on amusement and entertainment purchases at eligible merchants.
• All other net qualified eligible purchases will receive at least 1X points for each $1 spent. Subject to change.

SCU Credit Union provides zero fraud liability for unauthorized transactions on your card, when promptly reported. Certain conditions and limitations may apply. See your Credit Card Account Agreement for additional information on unauthorized use. All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.

By submitting this application, you understand and agree that SCU Credit Union ("we," "us" or "our"), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this Application, you will be individually liable (or, for joint Accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this Application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes and for other legitimate purposes associated with your Account.

Your Account must be open and current (that is, no Minimum Payment is past due) on the closing date for the billing cycle in order to earn Points. Subject to credit availability, the number of Points that may accumulate in any monthly billing cycle for your Account is unlimited. "Net Purchases" for a statement period are determined by totaling all new Purchases charged to the Account during the billing cycle, then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments.

If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding Points. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points. Points will not be awarded for any billing cycle if your Account is closed or is not current on the closing date for that billing cycle. Points will not be awarded for transactions posting as Convenience Checks, credit insurance premiums, Advances (including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Balance Transfers, INTEREST CHARGES and fees, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. We reserve the right to adjust or reverse the number of Points that were awarded for unauthorized transactions. Further, this Account is intended to be used for the purchase of various products and services for personal, family, and household purposes, and we have the right to adjust or reverse the number of Points that were awarded or terminate the Account if we determine that purchases or transactions were outside of such use, including, without limitation, excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewards cards, and other prepaid cards.

Subject to applicable law, you may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points expire 5 years from the original transaction date.

January 1, 2025