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81-105411 ' You may Pay all or any portion of your Lin paid accu kin I balance at any lime without incurring any special or rots FINANCE- CHARGE, however, any FINANCE CHARGE which has accruod to that time under the above Penodic Rate may be billed on a later periodic. slatement Payments mailed to the First Federal Lincoln Financial4ard Carrier will be credited to your account on file elate received. Payments mailed to or Duda at any First Federal Lincoln office will bo credttad to your account no later than five (5) days after receipt. (2) Other Charges; (a) In the event that you become delinquent or default in the payment of any amounts due and owing, First Federal Lincoln has the right to Initial collection proceedings and may collect all reasonable attorneys fees, collection and court costs. IW Overhaul Fee: A charge can be nnpoxa d for every billing cycle in which your outstanding balance (including unpaid FINANCE CHARGES) exceeds your credit limit. The foe will be equal to THREE PFRCFNT (3%) of the amount by which your outstanding balance exceeds your credit limit, or $25.00, whichever is greater. The charging of the Overlirnil Fee shall not create any right to be Qvarlimit nor constitute a waiver by First Federal Lincoln of any of its rights upon Cardholders default. (G) Credit Life Insurance: (Optional) The cardholder whose name appears first at the lop of the page (1) can be covered by a Group Corodift Life Insurance Policy through ape 65. The charge for this coverage is $ Oga per 5100 balance shown on the monthly periodic s€akstment- Joint Credit Life coverage is available to the cardholder whose nacre appears first at the top of page of f and one other designated calrdiftolider signing this agreement, The cost of this coverage is $.163 per $1100 balance shown on the monthly pehodic statement. Any coverage is subject to the provision contained in the certificate of insurance picividect at the closing of this agreement. Coverage will automatically be cancelled for any insured when they attain age 66 on either of these coverages described. 6. of the Account A. First Federal Lincoln will grant you a secured personal line of credit with a maximum dollai limit as determined by First Federal Lincoln - The Security for this line of credit consists of Real Property as outlined in Section 7 This Im id will be indicated on your bining slatement. Subject to the terms of Ihls Agreement, YOU may Ilse your Card and Checks ilo apply your r:frrdil ffom First Feriefal Lincurn to make. purchases and obtain cash advances which do not exceed your creTdif broil at any time. B. You will receive a monthly pilling Statement periodically 1 normally monMivi Your Payrnenf is due welt n 'r5 days alter Vii Riving pate on your statement. C. You may pay your New Balance each month, or you may pay in monthly inslallments If you decide to pay m monthly mstadmanis, you must pay at toast the Minimum Payment shown on your Billing Statement. The Minimum Payntont will bc: 1 "I of 1 h New Balance, bu no less than $25.00. The Minimum Payment amount will be rounded down to the nearest dollar If the New Balance is less inan $25 00, you must pay the New Balance. In addition. you'll be required to pay any amount that is past clue. A. If your card is lost Or stolen, or you suspect that it has been used without your perrntssion you must notify Firrsr Fedfiral Lincoln immediately by telephone and confirm by mail. Ploase cail4 73.6428 (in Lincoln) BOO- . 42 -7505 (other Nebraskan. and 800.558 -Fi678 tout of Nebr a). Marling address: First Federal Lincoln, Financial Card Center, P O For 132501, Lincoln. NE 68501 Your maximum liability is $50 for unauthorized use of your card prior to the time you notify us. E. First Federal Lincoln will disclose information to third parties about your account or me!ransfers you make ; ri when: it is necessary for comp4otmg transfers, or(u) m order to verify the existence and condition of your account for a third party, such as a f;redd bureau Of merchant, or our) in order to comply with a lawful order of a government agency or court orders, or (iv) it you give us your wnf ten permission 7 Rest Preffeefty Security. Cardholders obligations under this Agreement and the Account are or will be secured by a deed Of trust (the Of Trust") on the Property Identified above. A. Cancellation Rights; If the Property is Cardholder's primary residence, then as requued by federal law, each person having an ownership interest in the Property will be given the opportunity to cancel the opening of this account. within a three 131 day period. in accordance with the Notice which shall be provided at the time you sign this Agreement The issuance of your cards will be delayed until the ' thriso -day period expires and each such person notifies First Federal in writing that he or she has elected not to exercise the right of cancea8lon. Such persons will also receive this Cancellation Right it at any time the Credit Lanit is increased, or if Cardholder agrees to r increase the amount of the Deed of Trust on the Property. S. Solent Property on Default: In the event of any default by Cardholder under this Agreement, First Federal Lincoln may have the right to forecroser and sell the Property under the Deed of Trust, in satisfaction of the obligations under the Account. C Safe or Encumbrance: As material consideration for this Agreement, Cardholder agrees to notify First Federal Lincoln in writing of any a � proposed safe of further encumbrance of! he Property and surrender all plastic caidsi suedandunusedc: hecksat '.theAccount,atfeastthirty (301 days prior to the recording of such sale or encumbrance. Cardholder agrees that the Property will not be conveyed or encumbered - without First Federal Lincoln's written consent, and that such consent will not be granle..d unless: (if all plastic cards and unused checks have been surrendered to First Federal Lincoln at (east thirty (30) days prior to the delivery or recording of the deed or other instrument; and (ii) the entire unpaid balance of the Account, including FINANCE CHARGES and Over6rmt Fees, has been paid in full. Cardholder agrees to disclose to First Federal Lincoln all Transactions made on the Account since the most recent billing statement, and to instruct any escrow holder in connection with such sale or encumbrance to disburse any available proc%eds to First Federal Lincoln, up to the entire balance of the Account, before making any distribution to Cardholder. In the even! of any such sale or encumbrance. the Account shall terminate immediately and an unpaid amounts, including FINANCE CHARGES and Fees, shall become immediately due and payable D. to the event cardholder wishes to pay balance of account in full and to have lien of Deed of Trust removed. cardholder must surrender to First Federal Lincoln ail carr$al and checks together with written notice 30 days prior to release Upon meeting these requirements, cardholder wilt be provided a signed Deed of Reconveyance 8. Account Agreement. Based upon the terms of the Account description above A. You agree to: (1) Pay First Federal Lincoln for p1 credit obtained by you or any person using the Card or Checks with your permission; (it) credit obtained through unauthorized use of the Card or Checks prior to the time you notify First Federal Lincoln of the loss, theft or rmsuse, of the Card istritiffeCt to a maximum liability of $501; and 0u) any FINANCE CHARGE properly charged to your account 1.2) Advise First Federal Lincoln immediately it your Cards) or Checks are lost, stolen or used without your permission. ,. (3) Notify First Federal Lincoln promptly it your address changes. � l� (4) Return all Car(AS) and Checks issued on your Account it First Federal Lincoln requests you to do so. (5) Stay within the Credit Limit First Federal Lincoln assigns to your Account (6) Provide First Federal Lincoln, of you authorize First Federal Lincoln to obtain, such additional mformabon as is reasonably necessary for the continuation of this agreement. B. You also agree that: (1) First Federal Lincoln may refuse to extend credit to you or anyone using your Account (2) First Federal Lincoln may require you to pay at once the entire balance you owe on your Account, even if the balance is not due yet (3) Card(s) and Checks are the property of First Federal Lincoln. F -lrst Federal may cancel your Account arid terminate your use of the Carus) acid Chocks at anytime without notice or liability for cancellation. You must surrender the Carol s) and Checks either upon the request of First Federal Lincon or any VISA Financial Institution or Merchant. (4) If you decide toterminate your Account, you must give First Federal Lincoln written notice and return Card(sl and Checks issued on your account 30 days prior to termination. 15) First Federal Lincoln will not be liable or responsible for anyone's refusal to honor your Cardtsl or Checks. (6) First Federal Lincoln may change the terms of the Agreement Ac any time by giving you thirty (30) days notice. (7) FOREfGN CURRENCY TRANSACTIONS. 11 any Card Transaction (Purchase or Cash Advance) involves an exchange of foreign currency, it sheaf be subject to the exchange rates and international monetary regulations in effect at the time and place that the i ransachon is settledorotherwiseaccounted for by First Federal Lincoln or its agents, This may result in a billrnll or the period slatement in an amount in U.S. Dollisfawhich isgreater than theamountwhich would havebeen due it the statement had been made at the exchange rate in effect at the date and place the card transaction was made and regardless of the amount set for on any ;ales e;np of receipt given to evidencta, the trait ,, on. Anycurrencyexchangeshallbesubjecttoanylocalcustomsorcondilionsgovernmgthe: rateofexchangeorimposihonolspecial •" ° " °' "' ' °'" chaigift Checks issued will be to U.S. Currency, g. tiaiteYtt A Everltsof Default: The Account and Cardholder's obligations under this Agreement shall be in default upon tree occurren<.w M any of the koowft (1) Cardholder's failure to make any required payment when due (2) The Account wing Overload at any time. (3) Any "ant which constitutes a default under the Deed of Trust or under any other Deed of Trust o the ll,olaorty S. First Federal Lincoln Remadafs: In the event of any default by Cardholder, First Federal I- n of , nai 1. t tiny or all M !hu inu,�win� (1) Refuge to extend credit to Cardholder 6r to anyone etso using the arcoum,t. (B) Ternrfrettethe Account that is, terminate the Cardholder's right to use the Cantor Checks. writ or without payment of the rtrrtire unpaid tlalence of the A(xounf). (3) RequirepaymenlOfpartorallof theunpaidbalanceoftheAccount, includingwithoutI ,m , tntmnfotherlNAN( ;f CicAld[,i.,,n,3Fa•ea 14) Exercise off rights and remodels under the Deed of Trust, including foreclosure and saie or the Ihrpwty 15) Bring legal artion against Cardholder to recover it monny )udyment to, ail ct iw rdue and inr1,M 'hi raycwnir � pn�.t ;,ny. other tormourtfs to which First Federal 1- mccrin may be entitled_ 10. your StftffV flights iwfti w5o appear On reverse lord" of prich ponorite ittatemeol! � thY Information about you, rigisha and our rE9$j,KSPl�thiiihff� .r n,d r,r th , i cj,, l +1 fr�ljir l ,-1 I ti ='v ! s•i> ?iq�, , mfg"r% run fhe f ee side of your monthly pericdre. tstamerit IN CASE (if f "FI(AIS OR 4)(JESTIOW5 Af;flliT Y()UF4 011.1, to y Arhfnk your b0ot tot wrong, g, pi if you nnrT(1 fmfjirS inlornie lion ,, w ti iretlG l• t.i ire Jri Q