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VISA Platinum Cash Rewards

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VISA Platinum Cash Back Rewards Credit Card Disclosure

VISA Platinum Cash Back Rewards Credit Card Disclosure

Interest Rates and Interest Charges*
Annual Percentage Rates (APR)
for Purchases
13.50% to 18.0% based on your creditworthiness at time of application. After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be adjusted based upon your creditworthiness at that time.
APR for Cash Advances, Balance
13.50% to 18.0% when you open your account, based on your creditworthiness.
After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be adjusted based upon your creditworthiness at that time.
Penalty APR and
When It Applies
18.0% If your account becomes 60 days delinquent.
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied to your balances for a minimum period of six months or payment cycles. Penalty APR will apply until you become current and make six consecutive minimum monthly payments.
How to Avoid Paying Interest on
Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, and balance transfers on the transaction date.
For Credit Card Tips from the
Consumer Financial Protection
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
Annual Fee None
Foreign Transaction Fees None
Penalty Fees
Late Payments Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.
Over Limit Fee (Opt In) Up to $15.00
Return Payment Fee $20.00
Expedited Card Replacement Fee $10.00

How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases).
The above rates and fees are current as of July 1, 2018.

Cash Rewards Information: Your Members 1st FCU VISA Platinum Cash Rewards card will earn 1.0% cash rewards on all new qualifying net purchases (less credits, returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net purchases at eligible grocery merchants and gas merchants. Eligible grocery merchants are classified by standard industry codes (SIC) of 5411 and 5451. Eligible gas merchants are classified by standard industry codes (SIC) of 5541 and 5542. Each quarter (defined as January through March, April through June, July through September, and October through December) there is a limit of a total of $1,500.00 of the eligible SIC code merchants to receive the 2.0% cash rewards, after the $1,500.00 limitation for that specific quarter all applicable transactions will receive the standard 1.0% cash reward only. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with these SIC codes which will result in receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited.

Cash Rewards Redemption Options: Outline ScoreCard Rewards redemption options, minimum redemption amount $25.00, Non-Expiring Rewards, web site information, at

Balance Transfers: All Balance Transfer requests are determined by your available line of credit and should your request exceed that amount it will be declined. You do have the ability to request a line of credit increase to support your request if need be. Please allow a minimum of up to two (2) weeks for processing and receipt by the identified recipients. Members 1st FCU are not responsible for any fees or interest associated with the identified recipient account transfers. It is your responsibility to make all minimum payments on any account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if you select. Balance Transfers can be credited directly to a member's checking or savings account. All Balance Transfers incur interest charges at the disclosed APR from the time of the transaction date, not the check clearing date by the recipient.

VISA Platinum Cash Back Rewards Credit Card Agreement

VISA Platinum Cash Back Rewards Credit Card Agreement and Disclosure

Introduction. This Visa Platinum Cash Back Credit Card Agreement ("Agreement") and the Account Disclosures accompanying this Agreement will govern your Visa Platinum Cash Rewards Credit Card and account issued by Members 1st Federal Credit Union.

  1. Meaning of Words. The following words have the following meanings in this Agreement and in the monthly billing statement sent hereunder:
    (a) "Agreement" means the VISA Credit Card Agreement and Disclosure furnished by us.
    (b) "we, us and our" means Members 1st Federal Credit Union, Mechanicsburg, PA.
    (c) "you and your" means each person who signs the application for the Account.
    (d) "Card" means any VISA Credit Card and any duplicates and renewals we issue to you or to an authorized user of your Account.
    (e) "Account" means your VISA Credit Card Account with us.
    (f) "Line of Credit means" the self-replenishing line of credit we make available to your Account.
    (g) "Advance" means any credit extended on your Account for any purchases or Cash Advances.
    (h) "Cash Advance" means (i) any cash or credit extended on your Account by us or by any other institution that accepts a Card, (ii) any withdrawal of cash made by using a Card and personal identification number ("PIN") at an automated teller machine ("ATM") or other type of electronic terminal that provides access to the Visa system, (iii) the amount of any balances transferred to your Account from another credit card or account.
    (i) "Default" means that your cardholder payment practices have not been in accordance with the terms and conditions of this agreement.
  2. How To Use This Account. Your Account may be used to purchase or lease goods and services ("Purchases") from a merchant by presenting a Card and signing a sales transaction receipt for the amount of the purchase or by giving a Card Account number. Your Account may also be used to obtain Cash Advances:
    (a) By receiving cash or credit from financial institutions that accept a Visa Credit Card.
    (b) By making cash withdrawals with a Card at an ATM or other type of electronic terminal that provides access to the Visa system; or
    (c) By transferring to your Account a balance from another credit card or account.
  3. Responsibility. You agree to pay all Advances, Interest Charges and other fees or charges charged to your Account arising from the use of a Card, or the Account, by you or anyone you authorize or permit to use your Account, or a Card, even if you do not notify us that others are using your Account or a Card. Your responsibility for charges made by anyone you authorize or permit to use your Account or Card continues until you notify us in writing at 5000 Louise Drive, P. O. Box 40, Mechanicsburg, PA 17055, and recover and destroy any Card in such person’s possession. Your obligation to pay the Account balance continues regardless of the terms of any agreement, divorce decree, or other court judgment to which we are not a party. If more than one person signs the application for the Account, you are each jointly and severally responsible for all charges on the Account.
  4. Liability for Unauthorized Use. You understand that your total liability to us shall not exceed fifty dollars ($50) resulting from the loss, theft or other unauthorized use of a Card that occurs prior to the time you give notice to us. Such limitation does not apply when proper adherence to the terms and conditions are not followed. As a Visa Cardholder you are also required to complete necessary documentation to limit your liability. Without proper completion you are accepting 100.0% liability or responsibility for the transaction(s) in question.
  5. Lost Card Notification. If you believe a Card has been lost or stolen, you must immediately call us at 1(800)-283-2328 Extension 6035 during normal business hours. After business hours (nights and weekends) or on holidays, lost or stolen Cards must be reported by calling 1(800)-325-3678.
  6. Credit Line. If we approve your application, we will establish a Line of Credit for you and notify you of its amount when we issue a Card. This amount is the credit limit for the Account. Unless you have agreed to over limit services, you also agree not to let the Account balance exceed this approved credit limit. Each payment you make on the Account will restore your credit limit by the amount of the payment that is applied to the principal balance owed on the Account. You may request an increase in your credit limit, which must be approved by us. We may reduce your credit limit or terminate this Agreement for any reasons not prohibited by applicable law, with only such notice as is required by applicable law. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the Account balance. To terminate this Agreement, you must notify us in writing at 5000 Louise Drive, P. O. Box 40, Mechanicsburg, PA 17055, and recover and surrender to us the Card. It remains our property.
  7. Credit Information. You authorize us to investigate your credit worthiness when opening, renewing or reviewing your Account, and you authorize us to disclose information regarding your Account to credit reporting agencies and other creditors who inquire of us about your credit standing. Members 1st Federal Credit Union utilizes a performance base lending policy that will determine your Annual Percentage Rate on your individual creditworthiness, which is outlined in Section 9, Interest Charge.
  8. Payments. We will mail you a billing statement every month showing your previous balance comprised of Purchases and Cash Advances, the current transactions on your Account, your credit limit, the available credit, the new balance, the Interest Charges for the billing cycle, and the minimum payment required. Each month you must pay at least the minimum payment shown on your statement by the payment due date shown on the statement or no later than twenty-five (25) days from the statement closing date, whichever is later. If your statement says your payment is "Now Due," your payment is due no later than twenty-five (25) days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the new balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment will be either i) two percent (2%) of your new balance or twenty dollars ($20), whichever is greater, plus any portion of the minimum payment shown on prior statement(s)which remains unpaid, or ii) your new balance, if it is less than twenty dollars ($20). We also have the right to demand immediate payment of any amount by which your new balance is over your credit limit. We will apply your minimum payment amount first to any fees, then to Interest Charges on Cash Advances, Balance Transfers and then to new Purchases, provided that payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. We may accept checks marked "payment in full" or with words of similar effect without losing any of our rights to collect the full balance of your Account. Payments received at the address on your billing statement by 5:00 PM Eastern Time on any business day will be credited to your Account as of that date; payments received by mail at that address after 5:00PM Eastern Time on a weekend will be posted to your Account as of the next business day. Payment crediting 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.
  9. Interest Charge.
    • Annual Percentage Rate. The Annual Percentage Rate is variable and is determined by adding together an index and a margin. The index is the Prime Rate published in the Money Rates table of the Wall Street Journal as of the last business day of each month and a margin. An increase or decrease in the index will cause a corresponding change in your Annual Percentage Rate on the first day of your next new billing cycle. To determine the monthly periodic rate, we divide the Annual Percentage Rate by 12. Changes to the Periodic Rate and Annual Percentage Rate will apply to the entire unpaid principal balance. The Annual Percentage Rate will not exceed 18.0% or the maximum allowed by law, whichever is greater. The monthly Periodic Rate is equal to one-twelfth of the APR.
    • Method A- Average Daily Balances (including New Cash Advances). An Interest Charge will be imposed on all Cash Advances from the date made or the first day of the billing cycle in which the Cash Advance is posted to your Account whichever is later, and will continue to accrue until the date of payment. The interest charge on Cash Advances for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by taking the beginning balance of Cash Advances on your Account each day, and adding any new Cash Advances and subtracting any payments or credits that are applied to Cash Advances but excluding any unpaid Interest Charges.
    • Method G- Average Daily Balance (Including New Credit Purchases). An Interest Charge will be imposed on Purchases only if you elect not to pay the entire new balance shown on your monthly billing statement for the previous billing cycle on or before the payment due date of that statement. If you elect not to pay the entire new balance shown on your previous monthly billing statement by the payment due date, an Interest Charge will be imposed on the unpaid average daily balance of Purchases from the previous statement closing date and on new purchases from the date of posting to your Account during the current billing cycle and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if later than the payment due date. The Interest Charge on Purchase for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by taking the beginning balance of Purchases on your Account each day, adding any new Purchases, and subtracting any payments or credits that are applied to Purchases, but excluding any unpaid Interest Charges.
  10. Default. You will be in Default if you fail to make any two (2) consecutive minimum payments or other required payments by the date that it is due, resulting in a delinquency status of sixty (60) days or greater. You may be in Default if you break any promise you make under this Agreement or re-payment agreement under a mutual agreement through the Members 1st FCU Collections Department. You will be in Default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when they become due. You will be in Default if you make any false or misleading statements in any credit application or update of credit information. You will also be in Default if something happens which we believe may substantially reduce your ability to repay what you owe. When you are in default we can demand immediate payment of the entire amount you owe under this Agreement. If immediate payment is demanded, you will continue to pay interest, at the applicable interest rates in effect under this agreement, until what you owe has been repaid. If demand for immediate payment has been made, the shares and deposits given as security for payment under this Agreement can be applied towards what you owe. We can also take appropriate action as authorized under the Uniform Commercial Code to repossess any and all collateral pledged to secure repayment under this Agreement. To the extent permitted by applicable law, you will also be required to pay our collection expenses, including court costs and reasonable attorneys’ fees. We can also exercise any other rights given to us by law when you are in default. If you become sixty (60) days or more delinquent, default pricing will be initiated after the appropriate notification. Default pricing will convert all balances to an APR of 18.0% for a minimum period of six (6) months. The Default/Penalty APR will apply until you become current and make six consecutive minimum monthly payments. Should you the cardholder become delinquent again within that period and new six (6) month period will begin from that point in time forward. Afterward, without additional delinquency, your account will revert to the previous (if applicable) performance base APR that shall be applied to the Account, which is outlined within the application and in Section 9, Interest Charge.
  11. Using the Card. You may use the Card, Card Account number, expiration date, security code and/or PIN to make transactions on your Account. You will retain the copies of the transaction receipts furnished to you in order to verify your monthly billing statement. You agree that you will not use or permit anyone to use the Card issued on this Account for any transaction that is illegal under applicable federal, state or local law. You agree that illegal use of any financial service will be deemed an action of Default and/or breach of contract and such a service and/or other related services may be terminated at our discretion. You further agree, should illegal use occur, to waive any right to sue us for such illegal use or any activity directly or indirectly related to it. Additionally, you agree to indemnify and hold us harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use. We reserve the right to decline any transactions and or block your account for ongoing security and risk mitigation purposes that we consider fraudulent, questionable, suspicious, or illegal and you further understand that we will not knowingly authorize charges related to online gambling.
  12. Returns and Adjustments. Merchants and others who honor a Card may give credit or returns or adjustments, and they will do so by sending us a credit transaction receipt, which we will post to your Account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance toward future Purchases and Cash Advances, and if the credit amount is one dollar ($1) or more, refund it on your written request or automatically after six (6) months.
  13. Foreign Transactions. Purchases and Cash Advances made in foreign countries and foreign currencies will be billed in U.S. Dollars. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date. On foreign transactions you agree to pay all currency exchange charges.
  14. Merchant Disputes. We are not responsible for the refusal of any merchant or financial institution to honor a Card.
  15. Security Interest. To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase using the Account. If you Default, we will have the right to recover any of these goods which have not been paid for through our application of your payments in the manner described in Section 8 Payments.
  16. Fees and Other Charges. The following fees and other charges will be added to your Account, as applicable:
    • Annual Fee. Visa Platinum Cash Rewards Credit Card…………………………….NONE.
    • Late Payment Charges. If you fail to pay the minimum payment on your Account within five (5) days of the payment due date, a late payment charge of up to twenty-seven dollars ($27) will be added to your account the first time, any subsequent missed payment within six (6) months the fee will be up to thirty-seven dollars ($37).
    • Returned Payment Fee. If a check, share draft or electronic payment is used to make a payment on your Account is returned unpaid because of insufficient funds or for any other reason, you will be charged a fee of twenty dollars ($20) for each item returned.
    • Over Limit Fee. Should your account go over its assigned limit you agree to pay a fifteen dollar ($15) fee with a maximum of one (1) fee per statement cycle.
    • Card Replacement Fee. You agree to pay a ten dollar ($10) fee for each replacement card you request for any reason.
    • Copies of Visa Transaction Receipts and Statements. You will be charged three dollars ($3) for each copy you request of a receipt for any Purchase, credit or Cash Advance or of a monthly billing statement (except in connection with the resolution of a billing error.)
    • Returned Statement Fee. You will be charged one dollar ($1) for each monthly billing statement that is returned.
    • Other Fees. Cash Advance Fees- None, Balance Transfer Fees-None, ATM Transaction Fees- None.
    • International Transaction Fee. None.
  17. Paid Ahead Options. We may allow you, from time to time, to omit a monthly payment. We will notify you on your monthly statement when the option is available. If you omit a payment, Interest Charges will accrue on your balance in accordance with this agreement. A Paid Ahead option does not extend the period within which you must pay the new balance in order to completely avoid interest charges on purchases. A minimum payment will be due in the month following the month in which you omit your payment. Depending on your previous payment size Paid Ahead could be active for a total of two (2) weeks additional payment cycles before requiring another minimum payment amount.
  18. Effective Agreement. This Agreement is a contract which applies to all transactions on your Account, even though the receipts you sign or receive for Purchases, Credits, Cash Advances or other transactions may contain different terms. We may amend this Agreement from time to time by sending you written notice. As required by applicable law, we will give you written notice before the effective date of the amendment. To the extent applicable law permits, and as we indicate in our notice to you, amendments will apply to your new Account balances not existing balances prior to the effective date of the amendment. This Agreement shall be construed in accordance with the applicable laws of the Commonwealth of Pennsylvania and applicable federal laws.

Your Credit Card Billing Rights: Keep This Document 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: Members 1st Federal Credit Union, Card Services Group, P.O. Box 40, Mechanicsburg, PA 17055. In your letter, give us the following information:

  • Account Information: Your name and account number.
  • Dollar Amount: The dollar amount of the suspected error.
  • Description of problem: 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.
  • Within sixty (60) days after the error appeared on your statement.
  • At least four (4) 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 Received Your Letter.

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

  1. Within thirty (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 ninety (90) days of receiving your letter, we must either correct the error or explain to your 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.
After We Finish Our Investigation, One of Two Things Will Happen.
  1. If we made a mistake: You will not have to pay the amount in question of any interest or other fees related to that amount.
  2. 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.
    If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refused 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 fifty dollars ($50) of the amount you question even if you bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases.

If you are dissatisfied with the 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:

  1. 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 fifty dollars ($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 or from an ATM 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 above address. 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.

ScoreCard CashBack Plus Program Rules

  1. Visit and log in to view your CashBack earnings (CashBack Credits) ratio for every qualifying purchase dollar amount. A qualifying purchase (Qualifying Transaction) shall mean: (i) a transaction that is charged to an eligible card account covered by the Program (Account), and (ii) a transaction that appears on Your statement during the Program period. CashBack Credits are deducted for returns. No CashBack Credits are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to Your Account. Contact Your Accounts financial institution (Sponsor) for full details on the Program period dates during which You are eligible to earn CashBack Credits.
  2. CashBack Credits can be used to order only the awards (Award(s)) available in the current Program. If applicable, You may select Awards as long as You have a sufficient amount of CashBack Credits ($25.00) available in Your Account as of the date of Your most recent earnings statement. CashBack requirements assigned to any Award are subject to change from time to time without notice, and Awards may be substituted at any time. Should an Award be discontinued, it will be replaced with an Award of equal or greater value or, if no suitable substitute is available, You will be advised to make an alternative selection or Your CashBack Credits may be returned to Your Account.
  4. CashBack Credits have no material value and cannot be exchanged, used with any other offer, promotion or discount; earned from or transferred to any other credit and/or debit card, account or rewards program, unless otherwise specified.
  5. Your ScoreCard earnings statement will normally include the number of CashBack Credits earned, subject to adjustment as provided for in these Rules. In the event You redeem unearned CashBack Credits, Your Account may be charged for the actual difference between the cost of the Award redeemed and the net value of the actual CashBack Credits available.
  6. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for Your use as a payment method) at the time Your order is received for processing. Sponsor reserves the right to suspend Your participation in the Program until the Account is in good standing.
  7. This Program may be modified, suspended or cancelled at any time without restriction or penalty. CashBack credit may be forfeited due to violations of these Rules. This Program is void where prohibited or restricted by law. You are responsible for any federal, state or local income or other taxes.
  8. Despite the Programs best efforts to ensure accuracy, printing and website errors may occasionally occur. The Program Administrator reserves the right to correct such errors at any time even if it affects CashBack Credits already posted to your account.
  9. You agree to hold the Program Administrator and its affiliates, any Association and any vendors or other providers associated with the Program harmless if Your Sponsor fails to meet its contractual or other obligations, resulting Program interruption or termination prior to You redeeming Your CashBack Credits. You also agree to hold the Program Administrator and its affiliates, Sponsor and Association harmless if a Program vendor or a provider files for bankruptcy, or otherwise goes out of business after You have redeemed Your CashBack Credits for an Award from the vendor or provider but before You receive or use the Award.
  10. These Rules are subject to change at any time without notice. The most current version of these Rules is available on the Program website. Some sponsors may choose to add additional local rules and opportunities. Please ask Your Sponsor to see if such local rules are applicable to Your participation in the Program.
  11. The Program Administrator shall resolve all questions of what constitutes a Qualifying Transaction. All such resolutions or determinations by the Program Administrator are final. The use of Your Account following receipt of these Rules will indicate Your agreement to these Rules.
To reach our Card Services experts call:
(800) 283-2328, ext. 6035

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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288. All products and services available on this website are available at all Members 1st branch locations.