b'5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nConsumer Credit\nCard Agreement\nAnd Disclosure\nImportant information about\nyour credit card.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n1/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account\nOpening Disclosure and any other Account opening documents or any\nsubsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this\nAccount. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Listerhill Credit\nUnion with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for\npaying the Account; and anyone You authorize to use, access or service the\nAccount. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit\nUnion issues to You. "Account" means the line of credit established by this\nAgreement and includes Your Card.\n\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform\nCommercial Code and under any common law rights the Credit Union\nmay have in any goods You purchase\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n2/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nmay have in any goods You purchase.\nIf You give the Credit Union a speci c pledge of shares by signing a\nseparate pledge of shares, Your pledged shares will secure Your\nAccount. You may not withdraw amounts that have been speci cally\npledged to secure Your Account until the Credit Union agrees to\nrelease all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share\nand/or deposit accounts You have with Us now and in the future to\nsecure Your credit card Account. Shares and deposits in an IRA or\nany other account that would lose special tax treatment under\nstate or federal law if given as security are not subject to the\nsecurity interest You have given in Your shares and deposits. You\nmay withdraw these other shares unless You are in default. When\nYou are in default, You authorize Us to apply the balance in these\naccounts to any amounts due. For example, if You have an unpaid\ncredit card balance, You agree We may use funds in Your account(s)\nto pay any or all of the unpaid balance. You acknowledge and agree\nthat Your pledge does not apply during any periods when You are a\ncovered borrower under the Military Lending Act. For clarity, You\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n3/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nwill not be deemed a covered borrower, and Your pledge will apply,\nif: (i) You established Your credit card Account when You were not a\ncovered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral\nsecuring other loans You have with the Credit Union may also secure\nthis loan, except that a dwelling will never be considered as security\nfor this Account, notwithstanding anything to the contrary in any\nother Agreement.\n\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You\nagree to the terms of this Agreement. You agree to use Your Account in\naccordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement,\nwhich You promise not to exceed. If You exceed the credit limit, You promise to\nrepay immediately the amount which exceeds the credit limit, including amounts\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n4/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\ndue to nance charges, fees or other charges. You may request a credit limit\nincrease on Your Account only by a method acceptable to the Credit Union. We\nmay increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience\nchecks to You that may be drawn on Your Account. Convenience checks may not\nbe used to make a payment on Your Account. If You use a convenience check, it\nwill be posted to Your Account as a cash advance. We reserve the right to refuse\nto pay a convenience check drawn on Your Account for any reason and such\nrefusal shall not constitute wrongful dishonor. You may request that We stop the\npayment of a convenience check drawn on Your Account. You agree to pay any\nfee as identi ed in this Agreement imposed to stop a payment on a convenience\ncheck issued on Your Account. You may make a stop payment request orally, if\npermitted, or in writing. Your request must be made with su cient time in\nadvance of the presentment of the check for payment to give Us a reasonable\nopportunity to act on Your request. In addition, Your request must accurately\ndescribe the check including the exact Account number, the payee, any check\nnumber that may be applicable, and the exact amount of the check. If permitted,\nYou may make a stop payment request orally but such a request will expire after\n14 days unless You con rm Your request in writing within that time. Written stop\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n5/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\ndays u ess ou co\n\nou\n\nequest\n\nt g\n\nt\n\nt at t\n\ne.\n\ntte stop\n\npayment orders are e ective only for six months and may be renewed for\nadditional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order\nexpires.\nIf We re-credit Your Account after paying a check over a valid and timely stop\npayment order, You agree to sign a statement describing the dispute with the\npayee, to assign to Us all of Your rights against the payee or other holders of the\ncheck and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses,\nincluding attorney\'s fees, damages, or claims, related to Our honoring Your stop\npayment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop\npayment request. Note: A convenience check is not a check as that term is\nde ned under the Uniform Commercial Code. It is an advance from Your credit\ncard Account with Us and Your stop payment rights are provided under this\nAgreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this\nAgreement. Your promise to repay includes all transactions made to Your\nAccount by You or anyone You authorize to use Your Account as well as all\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n6/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nccou t by ou o a yo e ou aut o\n\ne to use ou\n\nccou t as\n\ne as a\n\ninterest charges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the\nPayment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00,\nwhichever is greater, plus any amount past due and any amount by which You\nhave exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New\nBalance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay\nthe total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the\nMinimum Payment Due each month Your Account has a balance (other than a\ncredit balance). The Credit Union may delay replenishing Your credit limit until\nthe date the payment is posted or the Credit Union con rms the payment has\ncleared.\nYour payment of the required Minimum Payment Due may be applied to what\nYou owe the Credit Union in any manner the Credit Union chooses, as permitted\nby applicable law. If You make a payment in excess of the required Minimum\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n7/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nPayment Due, the Credit Union will allocate the excess amount rst to the\nbalance with the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining\nportion to the other balances in descending order based on applicable APR,\nunless otherwise prescribed by applicable law. We may accept checks marked\n"payment in full" or with words of similar e ect without losing any of Our rights\nto collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on\npurchases on the date the transaction is posted to Your Account. We will begin\ncharging You interest on cash advances and balance transfers on the date of the\ntransaction or the rst day of the billing cycle in which the transaction is posted\nto Your Account, whichever is later (transaction date). However, We will not\ncharge You any interest on new purchases if Your Account had a zero or credit\nbalance at the beginning of that billing cycle, or You paid the entire new balance\non the previous cycle\'s billing statement by the Payment Due Date of that\nstatement. To avoid an additional nance charge on the balance of purchases,\nYou must pay the entire new balance on the billing statement by the Payment\nDue Date of that statement.\nHow We Calculate Your Balance:\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n8/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nInterest charges on Your Account are calculated separately for purchases,\nbalance transfers and cash advances (\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We gure the interest\ncharge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a\nTransaction Type We take the beginning balance for that Transaction Type each\nday, add any new transactions of that type, and subtract any unpaid interest or\nother nance charges and any applicable payments or credits. This gives Us the\ndaily balance for each Transaction Type. Then, for each Transaction Type, We add\nup all the daily balances for the billing cycle and divide each total by the number\nof days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on\nYour Account. If applicable to Your Account, the fee amounts and explanations\nare disclosed on the Account Opening Disclosure accompanying this Agreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign\ncurrencies will be debited from Your Account in U.S. dollars. The exchange rate\nbetween the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n9/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives or the governmentmandated rate in e ect for the applicable central processing date. The exchange\nrate used on the processing date may di er from the rate that would have been\nused on the purchase date or cardholder statement posting date.\nA fee ( nance charge) will be charged on all transactions completed in a foreign\ncurrency. All fees are calculated based on the transaction amount after it is\nconverted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this\nAgreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction,\neither by Us or by a third party, even if You have su cient credit available. You\nagree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in\none day. We reserve the right to deny certain transactions for any reason and at\nOur sole discretion, including for default, suspected fraudulent or unlawful\nactivity, internet gambling or any indication of increased risk related to the\ntransaction or the Account. You agree that We have no requirement to notify You\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n10/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nof the speci c reason We denied a transaction. If We detect unusual or\nsuspicious activity, We may suspend Your credit privileges until We can verify the\nactivity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have\nauthorized a merchant to bill charges to Your Card on a recurring basis, it is Your\nresponsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your\nAccount is closed. However, if Your Card is replaced or Your Account information\nchanges, You authorize Us, without obligation on Our part, to provide the\nupdated Account information to the merchant in order to permit the merchant\nto bill recurring charges to Your Card. You authorize Us to apply such recurring\ncharges to Your Card until You notify Us that You have revoked authorization for\nthe charges to Your Card.\nYour Card is automatically enrolled in an information updating service. Through\nthis service, Your updated Account information (such as Card number or\nexpiration date) may be shared with participating merchants to facilitate\ncontinued recurring charges. Updates are not guaranteed before Your next\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n11/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\npayment to a merchant is due. You are responsible for making direct payment\nuntil recurring charges resume. To revoke Your authorization allowing Us to\nprovide updated Account information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring\ncharges with merchants if, for example, Your Card is lost or stolen, You default,\nor We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges\nuntil You contact the merchant to reinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the\nMinimum Payment Due by its Payment Due Date; pay by a check or similar\ninstrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or\nmisleading statements in any credit application or credit update; le for\nbankruptcy; or die. You will also be in default if You fail to comply with the terms\nof this Agreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid\nbalance immediately, subject to applicable law. In this Agreement and on Your\nCredit Card Application, You gave Us a security interest in all individual or joint\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n12/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nC ed t Ca d pp cat o , ou ga e Us a secu ty\n\nte est\n\na\n\nd\n\ndua o jo t\n\nshare and/or deposit accounts with the Credit Union and authorized Us, if You\ndefaulted, to apply the balance in these accounts to any amounts due. You agree\nWe may rely on Your agreement and authorization to, upon Your default, apply\nany balance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94\nIf You notice the loss or theft of Your credit card or a possible unauthorized use\nof Your Card, You should call Us immediately at 800-239-6033, Monday through\nFriday 8:00 a.m. to 5:00 p.m. Eastern Time, or write to Us at P.O. Box 566,\nShe eld, AL, 35660-0566.\nYou will not be liable for any unauthorized use that occurs after You notify Us.\nYou may, however, be liable for unauthorized use that occurs before Your notice\nto Us. You will have no liability for unauthorized use unless You are found to be\nfraudulent or negligent in the handling of Your Account or Card. In any case, Your\nliability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the\nCredit Union may change the terms of this Agreement and any attached\nDisclosure from time to time. Notice of any change will be given in accordance\nwith applicable law. To the extent permitted by law, changes to the Agreement\nmay apply to Your existing account balance as well as to future transactions.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n13/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nay app y to ou e st g accou t ba a ce as\n\ne as to utu e t a sact o s.\n\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington,\nand Wisconsin Residents - Either You, Your spouse or the Credit Union may\nterminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not a ect Your obligation to pay the account balance plus\nany nance and other charges You or Your spouse owe under this Agreement.\nYour obligation to pay the account balance plus any nance and other charges\nYou owe under this agreement are subject to all applicable laws and regulations\nregarding repayment requirements. The Card or Cards You receive remain the\nproperty of the Credit Union and You must recover and surrender to the Credit\nUnion all Cards upon request or upon termination of this Agreement whether by\nYou or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this\nAgreement at any time, but termination by You or the Credit Union will not a ect\nYour obligation to pay the account balance plus any nance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus\nany nance and other charges You owe under this agreement are subject to all\napplicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover\nand surrender to the Credit Union all Cards upon request or upon termination of\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n14/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\na d su e de to t e C ed t U o a Ca ds upo\n\nequest o upo te\n\nat o o\n\nthis Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards\nfor authorized users that You designate. You must notify Us in writing of any\ntermination of an authorized user\'s right to access Your Account. Your notice\nmust include the name of the authorized user and Your Account number and/or\nany subaccount number issued to the authorized user along with the authorized\nuser\'s Card and any convenience or other access checks issued to the authorized\nuser. If You cannot return the authorized user\'s Card or access checks and if You\nrequest Your Account to be closed, We will close Your Account and You may\napply for a new Account. Alternatively, We may, at Our sole discretion, issue You\na new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You\nauthorize the Credit Union to obtain credit reports and any other information We\nmay need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of\nYour Account. You authorize the Credit Union to disclose information regarding\nYour Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late\npayments, missed payments, or other defaults on Your Account may be re ected\non Your credit report.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n15/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\no\n\nou c ed t epo t.\n\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually\nand jointly responsible for paying all amounts owed under this Agreement. This\nmeans that the Credit Union can require any one of You individually to repay the\nentire amount owed under this Agreement. Each of You authorizes the other(s)\nto make transactions on the Account individually. Any one of You may terminate\nthe Account and the termination will be e ective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all\ntransactions on Your Account even though the sales, cash advances, credit or\nother slips You sign or receive may contain di erent terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the nal\nexpression of the terms and conditions of Your Account. This written Agreement\nmay not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of\nthis Agreement shall remain in e ect and fully enforceable to the fullest extent\npossible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use\nYour Card for any transaction, including any type of electronic gambling\ntransaction through the Internet, that is illegal under applicable federal, state, or\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n16/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nt a sact o t\n\noug t e\n\nte\n\net, t at s\n\nega u de app cab e ede a , state, o\n\nlocal law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all\namounts and charges incurred in connection with the transaction. This\nparagraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be\ngoverned by federal law and the law of Alabama.\n\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce\nany of Our rights under this Agreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who\nis not Our salaried employee, You are liable for any reasonable attorney\xe2\x80\x99s fees\nWe incur, plus the costs and expenses of any legal action, as further disclosed on\nthis Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under\nthis Agreement to a third party.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n17/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate\nAccount. Applicants: 1) may, after credit approval, use the credit card Account up\nto its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby noti ed that a negative credit\nreport re ecting on Your credit record may be submitted to a credit reporting\nagency if You fail to ful ll the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a\njudgment against You, a portion of Your disposable earnings may be attached\nor garnished (paid to Us by Your employer), as provided by Florida and Federal\nlaw.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to\nYour Account, We elect to o er Your Card Account pursuant to Title 12, Subtitle 9\nof the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money,\nextend credit or to forbear from enforcing repayment of a debt including\npromises to extend or renew such debt are not enforceable. To protect You\n(borrower(s)) and Us (creditor) from misunderstanding or disappointment,\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n18/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nany Agreements We reach covering such matters are contained in this writing,\nwhich is the complete and exclusive statement of the Agreement between Us,\nexcept as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with\nthis Account, including for any review, modi cation, renewal or collections\nassociated with this Account. Upon Your request, You will be informed whether\nsuch report was requested and, if so, the name and address of the consumer\nreporting agency furnishing the report. New York residents may contact the New\nYork State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all\ncreditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with\nthis law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any\nimproprieties in making this loan or in the lender\xe2\x80\x99s loan practices, You may\ncontact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1,\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n19/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nco tact t e Sout\n\na ota\n\nso o\n\na\n\ng at 60\n\n. a\n\nso\n\ne, Su te ,\n\nPierre, SD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately\nupon receipt of this Agreement at the address or phone number listed on this\nAgreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a nal\nexpression of the Agreement between You and the Credit Union. This written\nAgreement may not be contradicted by evidence of any oral Agreement. As\nrequired by law, You are hereby noti ed that a negative credit report re ecting\non Your credit record may be submitted to a credit reporting agency if You fail to\nful ll the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER\n\xe2\x80\x94 YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE\nFOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE\nLENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nYour Billing Rights: Keep this Document for Future Use\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n20/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed\non Your statement. In Your letter, give Us the following information:\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You\nbelieve it is a mistake. You must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if\nYou want to stop payment on the amount\nYou think is wrong.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n21/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nYou must notify Us of any potential errors in writing or electronically. You may\ncall Us, but if You do We are not required to investigate any potential errors\nand You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received\nYour letter. We will also tell You if We have already corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as\ndelinquent on that amount.\n- The charge in question may remain on Your statement, and We may\ncontinue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n22/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nfor the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We nish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n- If We do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will send\nYou a statement of the amount You owe and the date payment is due. We\nmay then report You as delinquent if You do not pay the amount We think\nYou owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom We\nreported You as delinquent, and We must let those organizations know\nwhen the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the rst\n$50 of the amount You question even if Your bill is correct.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n23/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\n$50 o t e a ou t ou quest o e e\n\nou b\n\ns co ect.\n\nYour Rights if You Are Dissatis ed With Your Credit Card Purchases\nIf You are dissatis ed with the goods or services that You have purchased\nwith Your credit card, and You have tried in good faith to correct the\nproblem with the merchant, You may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100\nmiles of Your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if Your\npurchase was based on an advertisement We mailed to You, or if We\nown the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses Your\ncredit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n24/25\n\n\x0c5/21/2021\n\nConsumer Credit Card Agreement And\xe2\x80\xa6 | Listerhill Credit Union\n\nIf all of the criteria above are met and You are still dissatis ed with the\npurchase, contact Us in writing or electronically at the address listed on\nYour statement.\nWhile We investigate, the same rules apply to the disputed amount as\ndiscussed above. After We nish Our investigation, We will tell You Our\ndecision. At that point, if We think You owe an amount and You do not pay,\nWe may report You as delinquent.\n\nhttps://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure\n\n25/25\n\n\x0c'