Common use of MINIMUM MONTHLY PAYMENT Clause in Contracts

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Credit Union, Attn: Card Services, P.O. Box 60510, City of Industry, CA 91716- 0510, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Overlimit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Credit Union, Attn: Card Services, P.O. Box 60510▇.▇. ▇▇▇ ▇▇▇▇▇, City of Industry▇▇▇▇▇▇▇▇, CA 91716- 0510▇▇ ▇▇▇▇▇-▇▇▇▇, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Credit Union, Attn: Card Services, P.O. Box 60510▇.▇. ▇▇▇ ▇▇▇▇▇, City of Industry▇▇▇▇▇▇▇▇, CA 91716- 0510▇▇ ▇▇▇▇▇-▇▇▇▇, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Overlimit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit UnionLender’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Credit UnionOCCU Card Services, LLC, Attn: Card Services, P.O. Box 60510▇.▇. ▇▇▇ ▇▇▇▇▇, City of Industry▇▇▇▇▇▇▇▇, CA 91716- 0510▇▇ ▇▇▇▇▇-▇▇▇▇, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due closing date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), rounded up to the whole dollar, or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges$25, whichever is greater. If your outstanding balance is less than $3025, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Overlimit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. Payments will be applied first to interest, then to purchase balances, then to cash advance and balance transfer balances, and finally to any other fees, charges, or amounts owed. The minimum monthly payment may be allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Industrial Credit UnionUnion of Whatcom County, Attn: Card Services▇▇ ▇▇▇ ▇▇▇▇, P.O. Box 60510▇▇▇▇▇▇▇▇▇▇, City of Industry, CA 91716- 0510, ▇▇ ▇▇▇▇▇-▇▇▇▇ on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum monthly payment, you agree to pay any “Over limit Amount” and any amount past due shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit UnionLender’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon Community Credit UnionOCCU Card Services, LLC, Attn: Card Services, P.O. Box 60510▇.▇. ▇▇▇ ▇▇▇▇▇, City of Industry▇▇▇▇▇▇▇▇, CA 91716- 0510▇▇ ▇▇▇▇▇-▇▇▇▇, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.

MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the payment scheduled monthly due date. The minimum monthly payment will be the largest of: (a) $30, or (b) 3.02% of your outstanding balance shown on your statement (“New Balance”)) or $10.00, or (c) 1.0% of the New Balance plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance chargeswhichever is greater. If your outstanding balance is less than $3010.00 or less, you agree to pay the balance in full. In addition to The total minimum payment due each month is the minimum monthly payment, you agree to pay any “Over limit Amount” amounts past due and any amount past due shown on your statement each month by the due date shown on your Statementoverlimit amounts. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does do not constitute a minimum monthly payment. The minimum monthly payment Your payments may be allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: Oregon OnPoint Community Credit Union, Attn: Card Services▇▇ ▇▇▇ ▇▇▇▇▇, P.O. Box 60510▇▇▇▇▇, City of Industry, CA 91716- 0510, on ▇▇ ▇▇▇▇▇-▇▇▇▇ at or before 5:00 PM Pacific Eastern Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or Eastern Time, on a weekend or federal holiday will be posted to your Account as of the next business day. Payment crediting to your Account may be delayed up to five days if your payment is received by mail at any other address or not accompanied by the remittance portion of your Account statement.