b'Mazuma Credit Union\n7260 W. 135th Street\nOverland Park, KS 66223\n(913) 574-5000 (888) 361-4194\nwww.mazuma.org\n\nCREDIT CARD AGREEMENT\n\nBORROWER 1\n\nACCOUNT NUMBER\n\nBORROWER 2\n\nDATE\n\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this Agreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or\nthose designated by you under the terms of this Agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Mazuma Credit Union or its successors. By\nusing your card, you agree to all of the terms and conditions set forth herein.\n\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION\nFOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF\nYOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE. Shares and deposits in an Individual Retirement\nAccount or any other account that would lose special tax treatment\nunder state or federal law if given are not subject to this security\ninterest.\nIf you have other loans with us, collateral securing such loans may also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from\nany merchant who honors your Card, and you may obtain cash advances\nfrom financial institutions and ATM machines that accept the Card, up to\nyour maximum credit limit. You agree not to present your Card or obtain a\ncash advance for any extension of credit in excess of your available credit\nlimit; however, if you do exceed your credit limit, you agree to make\nimmediate payment sufficient to bring the balance below the credit limit.\nCertain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to\nprovide identification. If our system is not working, we may not be able to\nauthorize a transaction, even though you have sufficient credit available.\nAlso, for security reasons, we may block the use of your Card in certain\ncountries or geographic areas. We will have no liability to you or others if\nany of these events occur.\nPersonal Identification Number (PIN). We may issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your\nCard to access your account, and all sums advanced will be added to\nyour account balance. In the event a use of your PIN constitutes an\nElectronic Funds Transfer, the terms and conditions of your Electronic\nFunds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all\npurchases, cash advances, and balance transfers made by you or anyone\nwhom you authorize to use the Card; (b) all Interest Charges and all other\ncharges or fees; (c) collection costs and attorney\'s fees as permitted by\napplicable law, and any costs incurred in the recovery of the Card; and (d)\ncredit in excess of your credit limit that we may extend to you.\nIllegal Transactions: You agree that your Card and account will not be\nused to make or facilitate any illegal transactions as determined by\napplicable law; and that any such use will constitute an event of default\nunder this Agreement. We may decline any transaction that we believe to\nbe illegal under applicable law, including but not limited to any transaction\ninvolving or relating to any gambling activity. You agree that we will have\nno liability or responsibility for any such use by you or any authorized\nuser(s); or for declining any such transaction. You further agree to\nindemnify and hold us harmless from any suits, liability, damages or\nadverse action of any kind that results directly or indirectly from such\nillegal use. You promise to pay us any and all amounts owing on your\n9011 SYM FI17624 12-2014\n\nCard for any transactions made by you, even if the transaction is\ndetermined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for\nthe repayment of amounts owed, regardless of who initiated any\ntransaction under the account.\nOthers Using Your Account. If you allow anyone else to use your\naccount, you will be liable for all credit extended to such persons. You\npromise to pay for all purchases and advances made by anyone you\nauthorize to use your account, whether or not you notify us that he or she\nwill be using it. If someone else is authorized to use your account and you\nwant to end that person\'s privilege, you must notify us in writing, and if he\nor she has a Card, you must return that Card with your written notice for it\nto be effective.\nOwnership of Card. Your Card remains our property and may be\ncancelled by us at any time without notice. You agree to surrender your\nCard and to discontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to\nyou at the time you open your account and as may be changed from time\nto time in accordance with applicable law. Average Daily Balance\nexcluding new transactions: Interest Charges will accrue on your average\ndaily balance outstanding during the month. To get the average daily\nbalance, we take the beginning balance each day (excluding new\npurchases), and subtract any payments and credits. This gives us the\ndaily balance. Then, we add up all the daily balances for the billing cycle\nand divide that by the number of days in the billing cycle. We then multiply\nthat by the periodic rate corresponding to the Annual Percentage Rate on\nyour account.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases\neach month by the date on which the payment is due. Otherwise, the new\nbalance of your account, and subsequent advances from the date they\nare posted to the account, will be subject to an Interest Charge. You\ncannot avoid Interest Charges on cash advances and balance transfers;\neven if you pay the entire cash advance balance or balance transfer\nbalance by the payment due date, you will incur the Interest Charges\naccrued from the date the cash advance or balance transfer is posted to\nyour account.\nFees. In addition to the Interest Charges set forth above, you agree to\nalso pay any and all fees that you incur as disclosed to you on your Truthin-Lending Statement or similar disclosures (as may be amended from\ntime to time), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use\nof the Card by someone other than you who does not have actual, implied\nor apparent authority for such use, and from which you receive no benefit.\nThe telephone number to call is (816) 361-4194. You agree to follow up\nyour call with notice in writing to us at: 9300 Troost Avenue, Kansas City,\nMO 64131. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information relating to any loss, theft or\npossible unauthorized use of your Card and comply with such procedures\nas we may require in connection with our investigation. You will be liable\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cfor any unauthorized use only if we can prove that you were grossly\nnegligent in your use or handling of your Card, or if we can prove that you\nused your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in\nthe amount and on the date disclosed on your billing statement. If your\npayment is received by us on a business day at the address and by the\ntime designated on the billing statement, it will be credited to your account\non the date of receipt. If payment is made at any location other than the\naddress designated on the periodic statement, credit for such payment\nmay be delayed up to five (5) days. Payments will be applied in any order\nwe determine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will\nbe in default if: (1) you fail to make any payment on time; (2) if you fail to\nkeep any promises you have made under this Agreement or under other\nAgreements you have with us; (3) if you die; (4) if you file a petition in\nbankruptcy or have a bankruptcy petition filed against you, or if you\nbecome involved in any insolvency, receivership or custodial proceeding;\n(5) if anyone attempts to take any of your funds held by us via legal\nprocess or if you have a judgment or tax lien filed against you; (6) if you\nmake any false, inaccurate, or misleading statements in any credit\napplication or credit update; or (7) if we, in good faith, believe that your\nability to repay what you owe is or soon will be impaired, or that you are\nunwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of\nyour full account balance without giving you notice. If immediate payment\nis demanded, you agree to continue paying interest charges and fees until\nwhat you owe has been paid, and any shares that were given as security\nfor your account may be applied towards what you owe. You agree to pay\nall reasonable costs of collection, including court costs and attorney\'s\nfees, and any costs incurred in the recovery of the Card, subject to\napplicable law. Even if your unpaid balance is less than your credit limit,\nyou will have no credit available during any time that any aspect of your\naccount is in default.\nAdditional Benefits/Card Enhancements. We may from time to time\noffer additional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may\nwithdraw or change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you\nwhich may be used for any purpose other than making a payment for\ncredit to your account. By signing such check, you authorize us to pay the\nitem for the amount indicated and post such amount as a cash advance to\nyour account. We do not have to pay any item which would cause the\noutstanding balance in your account to exceed your credit limit.\nCredit Information. We may from time to time request personal\ninformation from you or obtain credit reports from the credit reporting\nagencies for the purpose of updating your credit status. Your failure to\nprovide such information when requested by us may result in suspension\nof credit privileges under this Agreement, including your ability to obtain\nany future advances by any means. You authorize us to investigate your\ncredit standing when opening or reviewing your account. You authorize us\nto disclose information regarding your account to credit bureau and\ncreditors who inquire about your credit standing.\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars.\nThe conversion rate in dollars will be a rate selected by the card company\nfrom a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate the\ncard company itself receives, or the government-mandated rate in effect\nfor the applicable central processing date in each instance. All\ntransactions processed outside of the United States (which may include\ninternet transactions) will be charged a foreign transaction fee in the\namount disclosed on your Truth-in-Lending Statement (as amended from\ntime to time).\n\nuse of the Card as well as Interest Charges and fees incurred. We may\nchange the terms of this Agreement, including the method of calculating\nthe periodic rate, at any time, by written notice, subject to applicable law.\nUse of the Card constitutes agreement and acceptance of any change in\nterms, unless applicable law requires otherwise. Our failure to exercise\nany of our rights or to take any action shall not constitute a waiver of\nthose rights, or an amendment or change in any of the terms of this\nAgreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still\nneed to make the minimum scheduled payment by the next scheduled\ndue date to keep your account current. We may accept late payments,\npartial payments, checks or money orders marked "payment in full" and\nsuch action shall not constitute final settlement of your account or a\nwaiver or forgiveness of any amounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related\nagreement if we delay enforcing them. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all other\nprovisions remain in full force and effect.\nReturns and Adjustments. Merchants and others who honor the Card\nmay give credit for returns or adjustments, and they will do so by\nsubmitting a credit slip which will be posted to your account. If your credits\nand payments exceed what you owe us, the amount will be applied\nagainst future purchases and cash advances. If the credit balance amount\nis $1 or more, it will be refunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any\nplan merchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless:\n(a) your purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and\nwas made from a plan merchant in your state or within 100 miles of your\nhome; and only if you have made a good faith attempt, but have been\nunable to obtain satisfaction from the plan merchant. You must resolve all\nother disputes directly with the plan merchant. We do not warrant any\nmerchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at\nthe most recent postal address or e-mail address (if you have elected to\nreceive such documents via electronic means) you have given us. Notice\nsent to any one of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you\nchange your address for any reason. In order to prevent identity theft,\nyour identity may need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law\nand the laws of the State of Missouri, and the venue shall be located in\nJackson County, Missouri. Fees are governed by section 408.140 RSMo.\nOperating regulations of Visa may also apply. This Agreement is the\ncontract that applies to all transactions even though the sales, cash\nadvance, convenience check, credit or other slips you sign or receive may\ncontain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This\nwritten agreement may not be contradicted by evidence of any oral\nagreement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate\nthis Agreement at any time, subject to applicable law. You may terminate\nthis Agreement by written notice. Termination by either party shall not\naffect your obligation to repay any balance on your account resulting from\npage 2 of 3\n\n\x0cBORROWER NAME\n\nACCOUNT NUMBER\n\nBILLING RIGHTS NOTICE\n\n\xc2\xb7 If we do not believe there was a mistake: You will have to pay the\n\nYour Billing Rights: Keep this Document for Future Use\n\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\nThis notice tells you about your rights and our responsibilities under the\nFair Credit 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\naddress(es) listed on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\nYou must contact us:\n\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\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\n\n\xc2\xb7 Within 60 days after the error appeared on your statement.\n\xc2\xb7 At least 3 business days before an automated payment is\n\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\n\nscheduled, if you want to stop payment on the amount you think is\nwrong.\n\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay\nthe remaining amount due on the purchase. To use this right, all of the\nfollowing must be true:\n\nYou must notify us of any potential errors in writing. You may call us, but\nif you do, we are not required to investigate any potential errors and you\nmay 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\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\n\xc2\xb7 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\n\xc2\xb7 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\n\xc2\xb7 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\n\xc2\xb7 We can apply any unpaid amount against your credit limit.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nAfter we finish our investigation, one of two things will happen:\n\n\xc2\xb7 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\npage 3 of 3\n\n\x0c'


b'0D]XPD\x03&UHGLW\x038QLRQ\x03\n7260 W 135th Street\nOverland Park, KS 66223\n\x03\n(913)\n574.5000 (888) 361.4194\nZZZ\x11PD]XPD\x11RUJ\x03\n\nIMPORTANT CREDIT CARD DISCLOSURES\n7KH\x03IROORZLQJ\x03GLVFORVXUH\x03UHSUHVHQWV\x03LPSRUWDQW\x03GHWDLOV\x03FRQFHUQLQJ\x03\\RXU\x03FUHGLW\x03FDUG\x11\x037KH\x03LQIRUPDWLRQ\x03DERXW\x03FRVWV\x03RI\x03WKH\x03FDUG\x03LV\x03\nDFFXUDWH\x03DV\x03 RI\x03 BBBBBBBBBBBBBBB\x11\x03 <RX\x03FDQ\x03FRQWDFW\x03 XV\x03WROO\x03IUHH\x03 DW\x03 WKH\x03QXPEHU\x03RU\x03 DGGUHVV\x03DERYH\x03WR\x03 LQTXLUH\x03LI\x03 DQ\\\x03FKDQJHV\x03\nRFFXUUHG\x03VLQFH\x03WKH\x03HIIHFWLYH\x03GDWH\x11\x03\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases, Cash Advances, &\nBalance Transfers\n\n9.90%, 11.90%, 14.90%, or 18.90%\n\nPaying Interest\n\n<RXU\x03GXH\x03GDWH\x03LV\x03DW\x03OHDVW\x03\x15\x14\x03GD\\V\x03DIWHU\x03WKH\x03GDWH\x03RI\x03\\RXU\x03ELOOLQJ\x03VWDWHPHQW\x11\x03:H\x03\nZLOO\x03QRW\x03FKDUJH\x03\\RX\x03LQWHUHVW\x03RQ\x03SXUFKDVHV\x03LI\x03\\RX\x03SD\\\x03\\RXU\x03HQWLUH\x03QHZ\x03\nSXUFKDVH\x03EDODQFH\x03E\\\x03WKH\x03GXH\x03GDWH\x03HDFK\x03PRQWK\x11\x03:H\x03ZLOO\x03EHJLQ\x03FKDUJLQJ\x03\nLQWHUHVW\x03RQ\x03FDVK\x03DGYDQFHV\x03DQG\x03EDODQFH\x03WUDQVIHUV\x03RQ\x03WKH\x03GDWH\x03WKH\x03FDVK\x03\nDGYDQFH\x03RU\x03EDODQFH\x03WUDQVIHU\x03LV\x03SRVWHG\x03WR\x03\\RXU\x03DFFRXQW\x11\x03\n\nMinimum Interest Charge\n\n1RQH\x03\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n7R\x03OHDUQ\x03PRUH\x03DERXW\x03IDFWRUV\x03WR\x03FRQVLGHU\x03ZKHQ\x03DSSO\\LQJ\x03IRU\x03RU\x03XVLQJ\x03D\x03FUHGLW\x03\nFDUG\x0f\x03YLVLW\x03WKH\x03ZHEVLWH\x03RI\x03WKH\x03&RQVXPHU\x03)LQDQFLDO\x033URWHFWLRQ\x03%XUHDX\x03DW\x03\nhttp://www.consumerfinance.gov/learnmore\n\nGHSHQGLQJ\x03RQ\x03\\RXU\x03FUHGLW\x03KLVWRU\\\x11\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xc2\xb7\x03 $QQXDO\x03)HH\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 $SSOLFDWLRQ\x03)HH\x1d\x03\n\x03\n\n1RQH\x03\n\x03\n\nTransaction Fees\n\xc2\xb7\x03 %DODQFH\x037UDQVIHU\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 &DVK\x03$GYDQFH\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 )RUHLJQ\x037UDQVDFWLRQ\x1d\x03\n\n1RQH\x03\n\nPenalty Fees\n\x03\n\n\xc2\xb7\x03 /DWH\x033D\\PHQW\x1d\x03\n\n$15.00 LI WKH\x03PLQLPXP\x03SD\\PHQW\x03LV\x03PRUH\x03WKDQ\x03\x07\x15\x18\x11\x13\x13\x0f\x03RU\x03$5.00\x03LI\x03WKH\x03\nPLQLPXP\x03SD\\PHQW\x03LV\x03\x07\x15\x18\x11\x13\x13\x03RU\x03OHVV\x11\n\n\xc2\xb7\x03 2YHU\x10WKH\x10&UHGLW\x03/LPLW\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 5HWXUQHG\x033D\\PHQW\x1d\x03\n\n$15.00\x0f\x03SOXV\x03WKH\x03DFWXDO\x03DPRXQW\x03RI\x03DQ\\\x03FKDUJHV\x03DVVHVVHG\x03DJDLQVW\x03XV\x03E\\\x03\nDQRWKHU\x03ILQDQFLDO\x03LQVWLWXWLRQ\x03IRU\x03SURFHVVLQJ\x03D\x03UHIXVHG\x03FKHFN\x0f\x03VKDUH\x03GUDIW\x0f\x03RU\x03\nRWKHU\x03SD\\PHQW\x03PHWKRG\x03XVHG\x03E\\\x03\\RX\x03IRU\x03SD\\PHQW\x03RQ\x03\\RXU\x03DFFRXQW\x11\x03\n\nHow We Will Calculate Your Balance:\x03:H\x03XVH\x03D\x03PHWKRG\x03FDOOHG\x03\x05DYHUDJH\x03GDLO\\\x03EDODQFH\x03 H[FOXGLQJ\x03QHZ\x03SXUFKDVHV \x11\x05\x03\n\n\x1c\x13\x13\x1c\x036<0 ),\x14\x1a\x19\x14\x1b \x14\x10\x15\x13\x14\x18\n\n&23<5,*+7\x03\x15\x13\x13\x1c\x036HFXULDQ\x03)LQDQFLDO\x03*URXS\x0f\x03,QF\x11\x03$OO\x03ULJKWV\x03UHVHUYHG\x11\n\n\x0c'


b'Mazuma Credit Union\n7260 W. 135th Street\nOverland Park, KS 66223\n(913) 574-5000 - (888) 361-4194\n\nThank you for participating in the Sporting Blue Card Rewards Program. By participating in the\nRewards Program, you agree to be bound by the following Terms and Conditions, and all other\nconditions, limitations and restrictions applicable to the Rewards Program.\nAs used in these Terms and Conditions document, \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d means the owners of the\nSporting Blue Visa Credit Card account, and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d means Mazuma Credit Union.\nTERMS AND CONDITIONS\nYou will earn Rewards Points by using your Sporting Blue Visa Credit Card for qualifying\npurchases. Rewards Points will not be awarded for balance transfers, cash advances, finance\ncharges, convenience checks, returned services or goods, fraudulent or unauthorized\ntransactions, credits, fees, or finance charges. In addition, Rewards Points will not be awarded\nfor purchases involving gambling, criminal activity or any other use of the card that directly or\nindirectly violates any present or future state or federal laws or regulations. We reserve the right\nto determine in our sole discretion whether a particular purchase is a qualifying purchase.\nThe Credit Union reserves the right to revise these Terms and Conditions at any time, and\nmodify, suspend or terminate the Rewards Program. Changes will be posted on the Credit\nUnion\xe2\x80\x99s website. Rewards Points levels required for Sporting Style Gift Cards may be changed\nat any time with or without prior notice. All Sporting Style Gift Cards are subject to availability.\n\nSPORTING STYLE GIFT CARD REDEMPTION\nYou will receive three Rewards Points for each dollar of net purchases and up to five points on\nother select qualified purchases. Please allow 6 to 8 weeks for rewards points to post to your\nBlue Card Rewards account. Rewards Points may be redeemed for Sporting Style Gift Cards\nand other Sporting KC related merchandise. Gift Cards will be sent by mail to the account\naddress maintained by the Credit Union within 10 business days. Other items will be shipped\nand delivered as disclosed when the redemption is made. All redemptions are final. Blue Card\nRewards/Gift Cards are subject to change. Gift Cards may be redeemed online for Sporting KC\xc2\xae\nmerchandise by visiting this website: shop.sportingkc.com. The accountholder is responsible for\nall taxes. You will continue to earn Rewards Points as long as your account remains current and\nin good standing. Rewards Points will expire four years from the date they are awarded,\nhowever, if your account is closed or not in good standing at any point in time, all points\naccumulated up to that point will be forfeited. In the event that the Credit Union discontinues the\nprogram, you will have 180 days from the date of notification to redeem your Rewards Points.\nAny Blue Card Rewards, including Gift Cards, offered under this Rewards Program are void\nwhere prohibited by law. Rewards Points have no cash value.\nMazuma Credit Union makes no representations or warranties of any kind, expressed or\nimplied, with respect to the Rewards Program, Gift Cards or Sporting KC\xc2\xae and specifically\ndisclaims any implied warranties of merchantability or fitness for a particular purpose. The\nCredit Union shall not be liable for any expense, loss, claim or damage in any way arising from\nor related to the Rewards Program, Gift Cards or Sporting KC\xc2\xae.\n\n\x0cMISCELLANEOUS\nThe Credit Union reserves the right, in its sole discretion, to suspend, cancel or modify the\nRewards Program at any time and for any reason and without prior notice. The Credit Union\nreserves the right, in its sole discretion, to add, delete, change or revise the Terms and\nConditions of the Sporting Blue Card Rewards Program including, but not limited to,\nqualifications for participation in the Program, qualifying purchases, and the manner in which\nRewards Points are earned or redeemed.\nYour participation in the Rewards Program may be suspended or terminated in the Credit\nUnion\xe2\x80\x99s sole discretion for suspected or actual fraud, violations of law or violations of these\nTerms and Conditions.\nYou can review your Rewards Points balance at any time by logging into your Mazuma Online\nBanking account and clicking the link to the Blue Card Rewards web site. You agree to review\nyour Sporting Blue Card Rewards Account and report any errors promptly to the Credit Union,\nand in no event later than 60 days after the error occurred.\nSporting KC\xc2\xae is not affiliated with Mazuma Credit Union. Sporting KC\xc2\xae and Mazuma Credit\nUnion copyrights, trademarks and service marks are used by permission, and remain the\nintellectual property of their respective owners, and may not be used by any other person or\nentity without the prior written consent of their owners.\n\n\x0c'


b'Mazuma Credit Union\n7260 W. 135th Street\nOverland Park, KS 66223\n(913) 574.5000 (888) 361.4194\nwww.mazuma.org\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card is\naccurate as of _______________. You can contact us toll free at the number or address above to inquire if any changes\noccurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases & Balance Transfers\n\n0% Introductory APR for _____ months.\nAfter that, your Standard APR will be\n\n9.90%, 11.90%, 14.90%, or 18.90%\ndepending on your credit history.\nAPR for Cash Advances\n\n9.90%, 11.90%, 14.90%, or 18.90% depending on your credit history.\n\nPaying Interest\n\nYour due date is at least 21 days after the date of your billing statement. We\nwill not charge you interest on purchases if you pay your entire new\npurchase balance by the due date each month. We will begin charging\ninterest on cash advances and balance transfers on the date the cash\nadvance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xc2\xb7 Annual Fee:\n\nNone\n\n\xc2\xb7 Application Fee:\n\nNone\n\nTransaction Fees\n\xc2\xb7 Balance Transfer:\n\nNone\n\n\xc2\xb7 Cash Advance:\n\nNone\n\n\xc2\xb7 Foreign Transaction:\n\nNone\n\nPenalty Fees\n\xc2\xb7 Late Payment:\n\n$15.00 if the minimum payment is more than $25.00, or $5.00 if the\nminimum payment is $25.00 or less.\n\n\xc2\xb7 Over-the-Credit Limit:\n\nNone\n\n\xc2\xb7 Returned Payment:\n\n$15.00, plus the actual amount of any charges assessed against us by\nanother financial institution for processing a refused check, share draft, or\nother payment method used by you for payment on your account.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases)."\nLoss of Introductory Rate: There will be no loss of the Introductory APR during the first _____ months.\n9009 SYM FI17619 Rev 2-2015\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b"0D]XPD\x03&UHGLW\x038QLRQ\x03\n\x1a\x15\x19\x13\x03:\x11\x03\x14\x16\x18WK\x036WUHHW\x03\n2YHUODQG\x033DUN\x0f\x03.6\x03\x19\x19\x15\x15\x16\x03\n\x1c\x14\x16 \x03\x18\x1a\x17\x11\x18\x13\x13\x13\x03\x03\xc2\x87\x03\x03 \x1b\x1b\x1b \x03\x16\x19\x14\x11\x17\x14\x1c\x17\x03\nZZZ\x11PD]XPD\x11RUJ\x03\n%2552:(5\x03\x14\x03\n\nCREDIT CARD AGREEMENT\n(KANSAS)\n\n$&&2817\x03180%(5\x03\n\n\x03\n%2552:(5\x03\x15\x03\n\n'$7(\x03\n\n\x03\n,Q\x03WKLV\x03$JUHHPHQW\x0f\x03\xc2\xb3<RX\xc2\xb4\x03DQG\x03\xc2\xb3\\RXU\xc2\xb4\x03PHDQ\x03DQ\\\x03SHUVRQ\x03ZKR\x03DFFHSWV\x03WKLV\x03$JUHHPHQW\x03RU\x03XVHV\x03WKH\x03&DUG\x11\x037KH\x03\xc2\xb3&DUG\xc2\xb4\x03PHDQV\x03DQ\\\x03FUHGLW\x03FDUG\x03LVVXHG\x03WR\x03\\RX\x03RU\x03\nWKRVH\x03GHVLJQDWHG\x03E\\\x03\\RX\x03XQGHU\x03WKH\x03WHUPV\x03RI\x03WKLV\x03$JUHHPHQW\x11\x03\xc2\xb3:H\xc2\xb4\x0f\x03\xc2\xb3XV\xc2\xb4\x0f\x03\xc2\xb3RXU\xc2\xb4\x03DQG\x03WKH\x03\xc2\xb3&UHGLW\x038QLRQ\xc2\xb4\x03PHDQV\x030D]XPD\x03&UHGLW\x038QLRQ RU\x03LWV\x03VXFFHVVRUV\x11\x03%\\\x03\nXVLQJ\x03\\RXU\x03FDUG\x0f\x03\\RX\x03DJUHH\x03WR\x03DOO\x03RI\x03WKH\x03WHUPV\x03DQG\x03FRQGLWLRQV\x03VHW\x03IRUWK\x03KHUHLQ\x11\x03\n\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION\nFOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF\nYOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE.\x036KDUHV\x03DQG\x03GHSRVLWV\x03LQ\x03DQ\x03,QGLYLGXDO\x035HWLUHPHQW\x03\n$FFRXQW\x03 RU\x03 DQ\\\x03 RWKHU\x03 DFFRXQW\x03 WKDW\x03 ZRXOG\x03 ORVH\x03 VSHFLDO\x03 WD[\x03 WUHDWPHQW\x03\nXQGHU\x03 VWDWH\x03 RU\x03 IHGHUDO\x03 ODZ\x03 LI\x03 JLYHQ\x03 DUH\x03 QRW\x03 VXEMHFW\x03 WR\x03 WKLV\x03 VHFXULW\\\x03\nLQWHUHVW\x11\x03\n,I\x03 \\RX\x03 KDYH\x03 RWKHU\x03 ORDQV\x03 ZLWK\x03 XV\x0f\x03 FROODWHUDO\x03 VHFXULQJ\x03 VXFK\x03 ORDQV\x03 PD\\\x03 DOVR\x03\nVHFXUH\x03\\RXU\x03REOLJDWLRQV\x03XQGHU\x03WKLV\x03$JUHHPHQW\x0f\x03XQOHVV\x03WKDW\x03RWKHU\x03FROODWHUDO\x03\nLV\x03\\RXU\x03SULQFLSDO\x03UHVLGHQFH\x03RU\x03QRQ\x10SXUFKDVH\x03PRQH\\\x03KRXVHKROG\x03JRRGV\x11\x03\nUsing Your Card.\x03 <RX\x03 FDQ\x03 SXUFKDVH\x03 RU\x03 OHDVH\x03 JRRGV\x03 DQG\x03 VHUYLFHV\x03 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WR\x03\nSURYLGH\x03LGHQWLILFDWLRQ\x11\x03,I\x03RXU\x03V\\VWHP\x03LV\x03QRW\x03ZRUNLQJ\x0f\x03ZH\x03PD\\\x03QRW\x03EH\x03DEOH\x03WR\x03\nDXWKRUL]H\x03D\x03WUDQVDFWLRQ\x0f\x03HYHQ\x03WKRXJK\x03\\RX\x03KDYH\x03VXIILFLHQW\x03FUHGLW\x03DYDLODEOH\x11\x03\n$OVR\x0f\x03IRU\x03VHFXULW\\\x03UHDVRQV\x0f\x03ZH\x03PD\\\x03EORFN\x03WKH\x03XVH\x03RI\x03\\RXU\x03&DUG\x03LQ\x03FHUWDLQ\x03\nFRXQWULHV\x03RU\x03JHRJUDSKLF\x03DUHDV\x11\x03:H\x03ZLOO\x03KDYH\x03QR\x03OLDELOLW\\\x03WR\x03\\RX\x03RU\x03RWKHUV\x03LI\x03\nDQ\\\x03RI\x03WKHVH\x03HYHQWV\x03RFFXU\x11\x03\nPersonal Identification Number (PIN).\x03 :H\x03 PD\\\x03 LVVXH\x03 D\x03 3HUVRQDO\x03\n,GHQWLILFDWLRQ\x031XPEHU\x03 3,1 \x03IRU\x03XVH\x03ZLWK\x03\\RXU\x03&DUG\x11\x037KLV\x033,1\x03LV\x03FRQILGHQWLDO\x03\nDQG\x03VKRXOG\x03QRW\x03EH\x03GLVFORVHG\x03WR\x03DQ\\RQH\x11\x03<RX\x03PD\\\x03XVH\x03\\RXU\x033,1\x03DQG\x03\\RXU\x03\n&DUG\x03 WR\x03 DFFHVV\x03 \\RXU\x03 DFFRXQW\x0f\x03 DQG\x03 DOO\x03 VXPV\x03 DGYDQFHG\x03 ZLOO\x03 EH\x03 DGGHG\x03 WR\x03\n\\RXU\x03 DFFRXQW\x03 EDODQFH\x11\x03 ,Q\x03 WKH\x03 HYHQW\x03 D\x03 XVH\x03 RI\x03 \\RXU\x03 3,1\x03 FRQVWLWXWHV\x03 DQ\x03\n(OHFWURQLF\x03 )XQGV\x03 7UDQVIHU\x0f\x03 WKH\x03 WHUPV\x03 DQG\x03 FRQGLWLRQV\x03 RI\x03 \\RXU\x03 (OHFWURQLF\x03\n)XQGV\x037UDQVIHU\x03$JUHHPHQW\x03PD\\\x03DIIHFW\x03\\RXU\x03ULJKWV\x11\x03\nPromise To Pay.\x03 <RX\x03 SURPLVH\x03 WR\x03 SD\\\x03 XV\x03 LQ\x03 8\x116\x11\x03 GROODUV\x03 IRU\x03 D \x03 DOO\x03\nSXUFKDVHV\x0f\x03FDVK\x03DGYDQFHV\x0f\x03DQG\x03EDODQFH\x03WUDQVIHUV\x03PDGH\x03E\\\x03\\RX\x03RU\x03DQ\\RQH\x03\nZKRP\x03\\RX\x03DXWKRUL]H\x03WR\x03XVH\x03WKH\x03&DUG\x1e\x03 E \x03DOO\x03,QWHUHVW\x03&KDUJHV\x03DQG\x03DOO\x03RWKHU\x03\nFKDUJHV\x03 RU\x03 IHHV\x1e\x03 F \x03 FROOHFWLRQ\x03 FRVWV\x03 DQG\x03 DWWRUQH\\ V\x03 IHHV\x03 DV\x03 SHUPLWWHG\x03 E\\\x03\nDSSOLFDEOH\x03ODZ\x0f\x03DQG\x03DQ\\\x03FRVWV\x03LQFXUUHG\x03LQ\x03WKH\x03UHFRYHU\\\x03RI\x03WKH\x03&DUG\x1e\x03DQG\x03 G 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&DUG\x03 UHPDLQV\x03 RXU\x03 SURSHUW\\\x03 DQG\x03 PD\\\x03 EH\x03\nFDQFHOOHG\x03 E\\\x03 XV\x03 DW\x03 DQ\\\x03 WLPH\x03 ZLWKRXW\x03 QRWLFH\x11\x03<RX\x03 DJUHH\x03 WR\x03 VXUUHQGHU\x03 \\RXU\x03\n&DUG\x03DQG\x03WR\x03GLVFRQWLQXH\x03XVH\x03RI\x03WKH\x03DFFRXQW\x03LPPHGLDWHO\\\x03XSRQ\x03RXU\x03UHTXHVW\x11\x03\nInterest Charges.\x03 <RX\x03 DJUHH\x03 WR\x03 SD\\\x03 LQWHUHVW\x03 DW\x03 WKH\x03 UDWH V \x03 GLVFORVHG\x03 WR\x03\n\\RX\x03DW\x03WKH\x03WLPH\x03\\RX\x03RSHQ\x03\\RXU\x03DFFRXQW\x03DQG\x03DV\x03PD\\\x03EH\x03FKDQJHG\x03IURP\x03WLPH\x03\nWR\x03 WLPH\x03 LQ\x03 DFFRUGDQFH\x03 ZLWK\x03 DSSOLFDEOH\x03 ODZ\x11\x03 Average Daily Balance\nexcluding new transactions:\x03,QWHUHVW\x03&KDUJHV\x03ZLOO\x03DFFUXH\x03RQ\x03\\RXU\x03DYHUDJH\x03\nGDLO\\\x03 EDODQFH\x03 RXWVWDQGLQJ\x03 GXULQJ\x03 WKH\x03 PRQWK\x11\x03 7R\x03 JHW\x03 WKH\x03 DYHUDJH\x03 GDLO\\\x03\nEDODQFH\x0f\x03 ZH\x03 WDNH\x03 WKH\x03 EHJLQQLQJ\x03 EDODQFH\x03 HDFK\x03 GD\\\x03 H[FOXGLQJ\x03 QHZ\x03\nSXUFKDVHV \x0f\x03 DQG\x03 VXEWUDFW\x03 DQ\\\x03 SD\\PHQWV\x03 DQG\x03 FUHGLWV\x11\x03 7KLV\x03 JLYHV\x03 XV\x03 WKH\x03\nGDLO\\\x03EDODQFH\x11\x037KHQ\x0f\x03ZH\x03DGG\x03XS\x03DOO\x03WKH\x03GDLO\\\x03EDODQFHV\x03IRU\x03WKH\x03ELOOLQJ\x03F\\FOH\x03\nDQG\x03GLYLGH\x03WKDW\x03E\\\x03WKH\x03QXPEHU\x03RI\x03GD\\V\x03LQ\x03WKH\x03ELOOLQJ\x03F\\FOH\x11\x03:H\x03WKHQ\x03PXOWLSO\\\x03\nWKDW\x03E\\\x03WKH\x03SHULRGLF\x03UDWH\x03FRUUHVSRQGLQJ\x03WR\x03WKH\x03$QQXDO\x033HUFHQWDJH\x035DWH\x03RQ\x03\n\\RXU\x03DFFRXQW\x11\x03\nGrace Period on Purchases Only:\x03 <RX\x03 FDQ\x03 DYRLG\x03 ,QWHUHVW\x03 &KDUJHV\x03 RQ\x03\nSXUFKDVHV\x03 E\\\x03 SD\\LQJ\x03 WKH\x03 IXOO\x03 DPRXQW\x03 RI\x03 WKH\x03 QHZ\x03 EDODQFH\x03 IRU\x03 SXUFKDVHV\x03\nHDFK\x03PRQWK\x03E\\\x03WKH\x03GDWH\x03RQ\x03ZKLFK\x03WKH\x03SD\\PHQW\x03LV\x03GXH\x11\x032WKHUZLVH\x0f\x03WKH\x03QHZ\x03\nEDODQFH\x03 RI\x03 \\RXU\x03 DFFRXQW\x0f\x03 DQG\x03 VXEVHTXHQW\x03 DGYDQFHV\x03 IURP\x03 WKH\x03 GDWH\x03 WKH\\\x03\nDUH\x03 SRVWHG\x03 WR\x03 WKH\x03 DFFRXQW\x0f\x03 ZLOO\x03 EH\x03 VXEMHFW\x03 WR\x03 DQ\x03 ,QWHUHVW\x03 &KDUJH\x11\x03 <RX\x03\nFDQQRW\x03 DYRLG\x03 ,QWHUHVW\x03 &KDUJHV\x03 RQ\x03 FDVK\x03 DGYDQFHV\x03 DQG\x03 EDODQFH\x03WUDQVIHUV\x1e\x03\nHYHQ\x03 LI\x03 \\RX\x03 SD\\\x03 WKH\x03 HQWLUH\x03 FDVK\x03 DGYDQFH\x03 EDODQFH\x03 RU\x03 EDODQFH\x03 WUDQVIHU\x03\nEDODQFH\x03 E\\\x03 WKH\x03 SD\\PHQW\x03 GXH\x03 GDWH\x0f\x03 \\RX\x03 ZLOO\x03 LQFXU\x03 WKH\x03 ,QWHUHVW\x03 &KDUJHV\x03\nDFFUXHG\x03IURP\x03WKH\x03GDWH\x03WKH\x03FDVK\x03DGYDQFH\x03RU\x03EDODQFH\x03WUDQVIHU\x03LV\x03SRVWHG\x03WR\x03\n\\RXU\x03DFFRXQW\x11\x03\nFees.\x03 ,Q\x03 DGGLWLRQ\x03 WR\x03 WKH\x03 ,QWHUHVW\x03 &KDUJHV\x03 VHW\x03 IRUWK\x03 DERYH\x0f\x03 \\RX\x03 DJUHH\x03 WR\x03\nDOVR\x03SD\\\x03DQ\\\x03DQG\x03DOO\x03IHHV\x03WKDW\x03\\RX\x03LQFXU\x03DV\x03GLVFORVHG\x03WR\x03\\RX\x03RQ\x03\\RXU\x037UXWK\x10\nLQ\x10/HQGLQJ\x03 6WDWHPHQW\x03 RU\x03 VLPLODU\x03 GLVFORVXUHV\x03 DV\x03 PD\\\x03 EH\x03 DPHQGHG\x03 IURP\x03\nWLPH\x03WR\x03WLPH 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2YHUODQG\x03\n3DUN\x0f\x03 .6\x03 \x19\x19\x15\x15\x16\x11\x03 <RX\x03 DOVR\x03 DJUHH\x03 WR\x03 DVVLVW\x03 XV\x03 LQ\x03 GHWHUPLQLQJ\x03 WKH\x03 IDFWV\x0f\x03\nFLUFXPVWDQFHV\x03DQG\x03RWKHU\x03SHUWLQHQW\x03LQIRUPDWLRQ\x03UHODWLQJ\x03WR\x03DQ\\\x03ORVV\x0f\x03WKHIW\x03RU\x03\nSRVVLEOH\x03XQDXWKRUL]HG\x03XVH\x03RI\x03\\RXU\x03&DUG\x03DQG\x03FRPSO\\\x03ZLWK\x03VXFK\x03SURFHGXUHV\x03\nDV\x03ZH\x03PD\\\x03UHTXLUH\x03LQ\x03FRQQHFWLRQ\x03ZLWK\x03RXU\x03LQYHVWLJDWLRQ\x11\x03<RX\x03ZLOO\x03EH\x03OLDEOH\x03\n\nSDJH\x03\x14\x03RI\x03\x16\x03\n\n&23<5,*+7\x03\x15\x13\x13\x1c\x036HFXULDQ\x03)LQDQFLDO\x03*URXS\x0f\x03,QF\x11\x03$OO\x03ULJKWV\x03UHVHUYHG\x11\x03\n\n\x0cIRU\x03 DQ\\\x03 XQDXWKRUL]HG\x03 XVH\x03 RQO\\\x03 LI\x03 ZH\x03 FDQ\x03 SURYH\x03 WKDW\x03 \\RX\x03 ZHUH\x03 JURVVO\\\x03\nQHJOLJHQW\x03LQ\x03\\RXU\x03XVH\x03RU\x03KDQGOLQJ\x03RI\x03\\RXU\x03&DUG\x0f\x03RU\x03LI\x03ZH\x03FDQ\x03SURYH\x03WKDW\x03\\RX\x03\nXVHG\x03\\RXU\x03&DUG\x03IUDXGXOHQWO\\\x11\x03\nMinimum Payment Due; Crediting of Payments.\x033D\\PHQWV\x03DUH\x03GXH\x03LQ\x03\nWKH\x03 DPRXQW\x03 DQG\x03 RQ\x03 WKH\x03 GDWH\x03 GLVFORVHG\x03 RQ\x03 \\RXU\x03 ELOOLQJ\x03 VWDWHPHQW\x11\x03 ,I\x03 \\RXU\x03\nSD\\PHQW\x03LV\x03UHFHLYHG\x03E\\\x03XV\x03RQ\x03D\x03EXVLQHVV\x03GD\\\x03DW\x03WKH\x03DGGUHVV\x03DQG\x03E\\\x03WKH\x03\nWLPH\x03GHVLJQDWHG\x03RQ\x03WKH\x03ELOOLQJ\x03VWDWHPHQW\x0f\x03LW\x03ZLOO\x03EH\x03FUHGLWHG\x03WR\x03\\RXU\x03DFFRXQW\x03\nRQ\x03WKH\x03GDWH\x03RI\x03UHFHLSW\x11\x03,I\x03SD\\PHQW\x03LV\x03PDGH\x03DW\x03DQ\\\x03ORFDWLRQ\x03RWKHU\x03WKDQ\x03WKH\x03\nDGGUHVV\x03 GHVLJQDWHG\x03 RQ\x03 WKH\x03 SHULRGLF\x03 VWDWHPHQW\x0f\x03 FUHGLW\x03 IRU\x03 VXFK\x03 SD\\PHQW\x03\nPD\\\x03EH\x03GHOD\\HG\x03XS\x03WR\x03ILYH\x03 \x18 \x03GD\\V\x11\x033D\\PHQWV\x03ZLOO\x03EH\x03DSSOLHG\x03LQ\x03DQ\\\x03RUGHU\x03\nZH\x03GHWHUPLQH\x0f\x03VXEMHFW\x03WR\x03DSSOLFDEOH\x03ODZ\x11\x03\nDefault; Acceleration; Credit Suspension; Collection Costs.\x03 <RX\x03 ZLOO\x03\nEH\x03LQ\x03GHIDXOW\x03LI\x1d\x03 \x14 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LQFOXGLQJ\x03 FRXUW\x03 FRVWV\x03 DQG\x03 DWWRUQH\\ V\x03\nIHHV\x0f\x03 DQG\x03 DQ\\\x03 FRVWV\x03 LQFXUUHG\x03 LQ\x03 WKH\x03 UHFRYHU\\\x03 RI\x03 WKH\x03 &DUG\x0f\x03 VXEMHFW\x03 WR\x03\nDSSOLFDEOH\x03ODZ\x11\x03(YHQ\x03LI\x03\\RXU\x03XQSDLG\x03EDODQFH\x03LV\x03OHVV\x03WKDQ\x03\\RXU\x03FUHGLW\x03OLPLW\x0f\x03\n\\RX\x03 ZLOO\x03KDYH\x03QR\x03FUHGLW\x03DYDLODEOH\x03GXULQJ\x03DQ\\\x03WLPH\x03WKDW\x03DQ\\\x03DVSHFW\x03 RI\x03\\RXU\x03\nDFFRXQW\x03LV\x03LQ\x03GHIDXOW\x11\x03\nAdditional Benefits/Card Enhancements.\x03 :H\x03 PD\\\x03 IURP\x03 WLPH\x03 WR\x03 WLPH\x03\nRIIHU\x03DGGLWLRQDO\x03VHUYLFHV\x03WR\x03\\RXU\x03$FFRXQW\x03DW\x03QR\x03DGGLWLRQDO\x03FRVW\x03WR\x03\\RX\x11\x03<RX\x03\nXQGHUVWDQG\x03 WKDW\x03 ZH\x03 DUH\x03 QRW\x03 REOLJDWHG\x03 WR\x03 RIIHU\x03 VXFK\x03 VHUYLFHV\x03 DQG\x03 PD\\\x03\nZLWKGUDZ\x03RU\x03FKDQJH\x03WKHP\x03DW\x03DQ\\\x03WLPH\x11\x03\nConvenience Checks.\x03 :H\x03 PD\\\x0f\x03 DW\x03 RXU\x03 GLVFUHWLRQ\x0f\x03 LVVXH\x03 FKHFNV\x03 WR\x03 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RI\x03FDOFXODWLQJ\x03\nWKH\x03SHULRGLF\x03UDWH\x0f\x03DW\x03DQ\\\x03WLPH\x0f\x03E\\\x03ZULWWHQ\x03QRWLFH\x0f\x03VXEMHFW\x03WR\x03DSSOLFDEOH\x03ODZ\x11\x03\n8VH\x03RI\x03WKH\x03&DUG\x03FRQVWLWXWHV\x03DJUHHPHQW\x03DQG\x03DFFHSWDQFH\x03RI\x03DQ\\\x03FKDQJH\x03LQ\x03\nWHUPV\x0f\x03 XQOHVV\x03 DSSOLFDEOH\x03 ODZ\x03 UHTXLUHV\x03 RWKHUZLVH\x11\x03 2XU\x03 IDLOXUH\x03 WR\x03 H[HUFLVH\x03\nDQ\\\x03 RI\x03 RXU\x03 ULJKWV\x03 RU\x03 WR\x03 WDNH\x03 DQ\\\x03 DFWLRQ\x03 VKDOO\x03 QRW\x03 FRQVWLWXWH\x03 D\x03 ZDLYHU\x03 RI\x03\nWKRVH\x03 ULJKWV\x0f\x03 RU\x03 DQ\x03 DPHQGPHQW\x03 RU\x03 FKDQJH\x03 LQ\x03 DQ\\\x03 RI\x03 WKH\x03 WHUPV\x03 RI\x03 WKLV\x03\n$JUHHPHQW\x11\x03\nLate or Partial Payments.\x03$Q\\\x03SD\\PHQW\x03WKDW\x03GHOD\\V\x03WKH\x03UHGXFWLRQ\x03RI\x03\\RXU\x03\nEDODQFH\x03 ZLOO\x03 LQFUHDVH\x03 \\RXU\x03 WRWDO\x03 LQWHUHVW\x03 FRVWV\x11\x03 3DUWLDO\x03 SD\\PHQWV\x03 RU\x03\nSUHSD\\PHQWV\x03 ZLOO\x03 QRW\x03 GHOD\\\x03 \\RXU\x03 QH[W\x03 VFKHGXOHG\x03 SD\\PHQW\x03 \x10\x03 \\RX\x03 ZLOO\x03 VWLOO\x03\nQHHG\x03 WR\x03 PDNH\x03 WKH\x03 PLQLPXP\x03 VFKHGXOHG\x03 SD\\PHQW\x03 E\\\x03 WKH\x03 QH[W\x03 VFKHGXOHG\x03\nGXH\x03 GDWH\x03 WR\x03 NHHS\x03 \\RXU\x03 DFFRXQW\x03 FXUUHQW\x11\x03 :H\x03 PD\\\x03 DFFHSW\x03 ODWH\x03 SD\\PHQWV\x0f\x03\nSDUWLDO\x03 SD\\PHQWV\x0f\x03 FKHFNV\x03 RU\x03 PRQH\\\x03 RUGHUV\x03 PDUNHG\x03 \x05SD\\PHQW\x03 LQ\x03 IXOO\x05\x03 DQG\x03\nVXFK\x03 DFWLRQ\x03 VKDOO\x03 QRW\x03 FRQVWLWXWH\x03 ILQDO\x03 VHWWOHPHQW\x03 RI\x03 \\RXU\x03 DFFRXQW\x03 RU\x03 D\x03\nZDLYHU\x03RU\x03IRUJLYHQHVV\x03RI\x03DQ\\\x03DPRXQWV\x03RZLQJ\x03XQGHU\x03WKLV\x03$JUHHPHQW\x11\x03\nEnforcement.\x03 :H\x03 GR\x03 QRW\x03 ORVH\x03 RXU\x03 ULJKWV\x03 XQGHU\x03 WKLV\x03 RU\x03 DQ\\\x03 UHODWHG\x03\nDJUHHPHQW\x03 LI\x03 ZH\x03 GHOD\\\x03 HQIRUFLQJ\x03 WKHP\x11\x03 ,I\x03 DQ\\\x03 SURYLVLRQ\x03 RI\x03 WKLV\x03 RU\x03 DQ\\\x03\nUHODWHG\x03DJUHHPHQW\x03LV\x03GHWHUPLQHG\x03WR\x03EH\x03XQHQIRUFHDEOH\x03RU\x03LQYDOLG\x0f\x03DOO\x03RWKHU\x03\nSURYLVLRQV\x03UHPDLQ\x03LQ\x03IXOO\x03IRUFH\x03DQG\x03HIIHFW\x11\x03\nReturns and Adjustments.\x03 0HUFKDQWV\x03 DQG\x03 RWKHUV\x03 ZKR\x03 KRQRU\x03 WKH\x03 &DUG\x03\nPD\\\x03 JLYH\x03 FUHGLW\x03 IRU\x03 UHWXUQV\x03 RU\x03 DGMXVWPHQWV\x0f\x03 DQG\x03 WKH\\\x03 ZLOO\x03 GR\x03 VR\x03 E\\\x03\nVXEPLWWLQJ\x03D\x03FUHGLW\x03VOLS\x03ZKLFK\x03ZLOO\x03EH\x03SRVWHG\x03WR\x03\\RXU\x03DFFRXQW\x11\x03,I\x03\\RXU\x03FUHGLWV\x03\nDQG\x03 SD\\PHQWV\x03 H[FHHG\x03 ZKDW\x03 \\RX\x03 RZH\x03 XV\x0f\x03 WKH\x03 DPRXQW\x03 ZLOO\x03 EH\x03 DSSOLHG\x03\nDJDLQVW\x03IXWXUH\x03SXUFKDVHV\x03DQG\x03FDVK\x03DGYDQFHV\x11\x03,I\x03WKH\x03FUHGLW\x03EDODQFH\x03DPRXQW\x03\nLV\x03\x07\x14\x03RU\x03PRUH\x0f\x03LW\x03ZLOO\x03EH\x03UHIXQGHG\x03XSRQ\x03\\RXU\x03ZULWWHQ\x03RU\x03YHUEDO\x03UHTXHVW\x11\x03\nPlan Merchant Disputes.\x03:H\x03 DUH\x03 QRW\x03 UHVSRQVLEOH\x03 IRU\x03 WKH\x03 UHIXVDO\x03RI\x03 DQ\\\x03\nSODQ\x03PHUFKDQW\x03RU\x03ILQDQFLDO\x03LQVWLWXWLRQ\x03WR\x03KRQRU\x03\\RXU\x03&DUG\x11\x03$OVR\x0f\x03ZH\x03DUH\x03QRW\x03\nUHVSRQVLEOH\x03IRU\x03JRRGV\x03RU\x03VHUYLFHV\x03WKDW\x03\\RX\x03SXUFKDVH\x03ZLWK\x03WKH\x03&DUG\x03XQOHVV\x1d\x03\nD \x03\\RXU\x03SXUFKDVH\x03ZDV\x03PDGH\x03LQ\x03UHVSRQVH\x03WR\x03DQ\x03DGYHUWLVHPHQW\x03ZH\x03VHQW\x03RU\x03\nSDUWLFLSDWHG\x03LQ\x03VHQGLQJ\x03\\RX\x1e\x03RU\x03 E \x03\\RXU\x03SXUFKDVH\x03FRVW\x03PRUH\x03WKDQ\x03\x07\x18\x13\x03DQG\x03\nZDV\x03PDGH\x03IURP\x03D\x03SODQ\x03PHUFKDQW\x03LQ\x03\\RXU\x03VWDWH\x03RU\x03ZLWKLQ\x03\x14\x13\x13\x03PLOHV\x03RI\x03\\RXU\x03\nKRPH\x1e\x03 DQG\x03 RQO\\\x03 LI\x03 \\RX\x03 KDYH\x03 PDGH\x03 D\x03 JRRG\x03 IDLWK\x03 DWWHPSW\x0f\x03 EXW\x03 KDYH\x03 EHHQ\x03\nXQDEOH\x03WR\x03REWDLQ\x03VDWLVIDFWLRQ\x03IURP\x03WKH\x03SODQ\x03PHUFKDQW\x11\x03<RX\x03PXVW\x03UHVROYH\x03DOO\x03\nRWKHU\x03 GLVSXWHV\x03 GLUHFWO\\\x03 ZLWK\x03 WKH\x03 SODQ\x03 PHUFKDQW\x11\x03 :H\x03 GR\x03 QRW\x03 ZDUUDQW\x03 DQ\\\x03\nPHUFKDQGLVH\x03RU\x03VHUYLFHV\x03SXUFKDVHG\x03E\\\x03\\RX\x03ZLWK\x03WKH\x03&DUG\x11\x03\nStatements and Notices.\x036WDWHPHQWV\x03DQG\x03QRWLFHV\x03ZLOO\x03EH\x03PDLOHG\x03WR\x03\\RX\x03DW\x03\nWKH\x03PRVW\x03UHFHQW\x03SRVWDO\x03DGGUHVV\x03RU\x03H\x10PDLO\x03DGGUHVV\x03 LI\x03\\RX\x03KDYH\x03HOHFWHG\x03WR\x03\nUHFHLYH\x03VXFK\x03GRFXPHQWV\x03YLD\x03HOHFWURQLF\x03PHDQV \x03\\RX\x03KDYH\x03JLYHQ\x03XV\x11\x031RWLFH\x03\nVHQW\x03WR\x03DQ\\\x03RQH\x03RI\x03\\RX\x03ZLOO\x03EH\x03FRQVLGHUHG\x03QRWLFH\x03WR\x03DOO\x11\x03\nNotification of Address Change. You\x03 ZLOO\x03 QRWLI\\\x03 XV\x03 SURPSWO\\\x03 LI\x03 \\RX\x03\nFKDQJH\x03 \\RXU\x03 DGGUHVV\x03 IRU\x03 DQ\\\x03 UHDVRQ\x11\x03 ,Q\x03 RUGHU\x03 WR\x03 SUHYHQW\x03 LGHQWLW\\\x03 WKHIW\x0f\x03\n\\RXU\x03LGHQWLW\\\x03PD\\\x03QHHG\x03WR\x03EH\x03YHULILHG\x03EHIRUH\x03ZH\x03DFW\x03XSRQ\x03WKH\x03QRWLILFDWLRQ\x11\x03\nCopy Received.\x03<RX\x03DFNQRZOHGJH\x03WKDW\x03\\RX\x03KDYH\x03UHFHLYHG\x03D\x03FRS\\\x03RI\x03WKLV\x03\n$JUHHPHQW\x11\x03\nGoverning Law.\x03 7KLV\x03 $JUHHPHQW\x03 VKDOO\x03 EH\x03 FRQVWUXHG\x03 XQGHU\x03 IHGHUDO\x03 ODZ\x03\nDQG\x03 WKH\x03 ODZV\x03 RI\x03 WKH\x03 6WDWH\x03 RI\x03 .DQVDV\x0f\x03 DQG\x03 WKH\x03 YHQXH\x03 VKDOO\x03 EH\x03 ORFDWHG\x03 LQ\x03\n-RKQVRQ\x03&RXQW\\\x0f\x03.DQVDV\x11\x03)HHV\x03DUH\x03JRYHUQHG\x03E\\\x03VHFWLRQ\x03\x17\x13\x1b\x11\x14\x17\x13\x03560R\x11\x03\n2SHUDWLQJ\x03 UHJXODWLRQV\x03 RI\x03 9LVD\x03 PD\\\x03 DOVR\x03 DSSO\\\x11\x03 7KLV\x03 $JUHHPHQW\x03 LV\x03 WKH\x03\nFRQWUDFW\x03 WKDW\x03 DSSOLHV\x03 WR\x03 DOO\x03 WUDQVDFWLRQV\x03 HYHQ\x03 WKRXJK\x03 WKH\x03 VDOHV\x0f\x03 FDVK\x03\nDGYDQFH\x0f\x03FRQYHQLHQFH\x03FKHFN\x0f\x03FUHGLW\x03RU\x03RWKHU\x03VOLSV\x03\\RX\x03VLJQ\x03RU\x03UHFHLYH\x03PD\\\x03\nFRQWDLQ\x03GLIIHUHQW\x03WHUPV\x11\x03\nNOTICE TO UTAH BORROWERS:\x03 7KLV\x03 ZULWWHQ\x03 DJUHHPHQW\x03 LV\x03 D\x03 ILQDO\x03\nH[SUHVVLRQ\x03 RI\x03 WKH\x03 DJUHHPHQW\x03 EHWZHHQ\x03 \\RX\x03 DQG\x03 WKH\x03 &UHGLW\x03 8QLRQ\x11\x03 7KLV\x03\nZULWWHQ\x03 DJUHHPHQW\x03 PD\\\x03 QRW\x03 EH\x03 FRQWUDGLFWHG\x03 E\\\x03 HYLGHQFH\x03 RI\x03 DQ\\\x03 RUDO\x03\nDJUHHPHQW\x11\n\nTermination; Change-in-Terms.\x03 :H\x03 PD\\\x0f\x03 E\\\x03 ZULWWHQ\x03 QRWLFH\x0f\x03 WHUPLQDWH\x03\nWKLV\x03$JUHHPHQW\x03DW\x03DQ\\\x03WLPH\x0f\x03VXEMHFW\x03WR\x03DSSOLFDEOH\x03ODZ\x11\x03<RX\x03PD\\\x03WHUPLQDWH\x03\nWKLV\x03 $JUHHPHQW\x03 E\\\x03 ZULWWHQ\x03 QRWLFH\x11\x03 7HUPLQDWLRQ\x03 E\\\x03 HLWKHU\x03 SDUW\\\x03 VKDOO\x03 QRW\x03\nDIIHFW\x03\\RXU\x03REOLJDWLRQ\x03WR\x03UHSD\\\x03DQ\\\x03EDODQFH\x03RQ\x03\\RXU\x03DFFRXQW\x03UHVXOWLQJ\x03IURP\x03\nXVH\x03 RI\x03 WKH\x03 &DUG\x03 DV\x03 ZHOO\x03 DV\x03 ,QWHUHVW\x03 &KDUJHV\x03 DQG\x03IHHV\x03 LQFXUUHG\x11\x03:H\x03 PD\\\x03\nSDJH\x03\x15\x03RI\x03\x16\x03\n\n\x0c%2552:(5\x031$0(\x03\n\n$&&2817\x03180%(5\x03\n\nBILLING RIGHTS NOTICE\n\x03\n\n\xc2\xb7\x03 ,I\x03ZH\x03GR\x03QRW\x03EHOLHYH\x03WKHUH\x03ZDV\x03D\x03PLVWDNH\x1d\x03<RX\x03ZLOO\x03KDYH\x03WR\x03SD\\\x03WKH\x03\n\nYour Billing Rights: Keep this Document for Future Use\n\nDPRXQW\x03LQ\x03TXHVWLRQ\x0f\x03DORQJ\x03ZLWK\x03DSSOLFDEOH\x03LQWHUHVW\x03DQG\x03IHHV\x11\x03:H\x03ZLOO\x03\nVHQG\x03\\RX\x03D\x03VWDWHPHQW\x03RI\x03WKH\x03DPRXQW\x03\\RX\x03RZH\x03DQG\x03WKH\x03GDWH\x03SD\\PHQW\x03\nLV\x03GXH\x11\x03:H\x03PD\\\x03WKHQ\x03UHSRUW\x03\\RX\x03DV\x03GHOLQTXHQW\x03LI\x03\\RX\x03GR\x03QRW\x03SD\\\x03WKH\x03\nDPRXQW\x03ZH\x03WKLQN\x03\\RX\x03RZH\x11\x03\n\n7KLV\x03QRWLFH\x03WHOOV\x03\\RX\x03DERXW\x03\\RXU\x03ULJKWV\x03DQG\x03RXU\x03UHVSRQVLELOLWLHV\x03XQGHU\x03WKH\x03\n)DLU\x03&UHGLW\x03%LOOLQJ\x03$FW\x11\x03\nWhat To Do If You Find A Mistake On Your Statement\n,I\x03 \\RX\x03 WKLQN\x03 WKHUH\x03 LV\x03 DQ\x03 HUURU\x03 RQ\x03 \\RXU\x03 VWDWHPHQW\x0f\x03 ZULWH\x03 WR\x03 XV\x03 DW\x03 WKH\x03\nDGGUHVV HV \x03OLVWHG\x03RQ\x03\\RXU\x03VWDWHPHQW\x11\x03\x03\n,Q\x03\\RXU\x03OHWWHU\x0f\x03JLYH\x03XV\x03WKH\x03IROORZLQJ\x03LQIRUPDWLRQ\x1d\x03\x03\n\x14\x11\x03<RXU\x03QDPH\x03DQG\x03DFFRXQW\x03QXPEHU\x11\x03\n\n\x15\x11\x037KH\x03GROODU\x03DPRXQW\x03RI\x03WKH\x03VXVSHFWHG\x03HUURU\x11\x03\n\x16\x11\x03,I\x03\\RX\x03WKLQN\x03WKHUH\x03LV\x03DQ\x03HUURU\x03RQ\x03\\RXU\x03ELOO\x0f\x03GHVFULEH\x03ZKDW\x03\\RX\x03EHOLHYH\x03\nLV\x03ZURQJ\x03DQG\x03ZK\\\x03\\RX\x03EHOLHYH\x03LW\x03LV\x03D\x03PLVWDNH\x11\x03\n<RX\x03PXVW\x03FRQWDFW\x03XV\x1d\x03\n\n\xc2\xb7\x03 :LWKLQ\x03\x19\x13\x03GD\\V\x03DIWHU\x03WKH\x03HUURU\x03DSSHDUHG\x03RQ\x03\\RXU\x03VWDWHPHQW\x11\x03\x03\n\xc2\xb7\x03 $W\x03 OHDVW\x03 \x16\x03 EXVLQHVV\x03 GD\\V\x03 EHIRUH\x03 DQ\x03 DXWRPDWHG\x03 SD\\PHQW\x03 LV\x03\n\nVFKHGXOHG\x0f\x03LI\x03\\RX\x03ZDQW\x03WR\x03VWRS\x03SD\\PHQW\x03RQ\x03WKH\x03DPRXQW\x03\\RX\x03WKLQN\x03LV\x03\nZURQJ\x11\x03\n\n<RX\x03PXVW\x03QRWLI\\\x03XV\x03RI\x03DQ\\\x03SRWHQWLDO\x03HUURUV\x03LQ\x03ZULWLQJ\x11\x03<RX\x03PD\\\x03FDOO\x03XV\x0f\x03EXW\x03\nLI\x03\\RX\x03GR\x0f\x03ZH\x03DUH\x03QRW\x03UHTXLUHG\x03WR\x03LQYHVWLJDWH\x03DQ\\\x03SRWHQWLDO\x03HUURUV\x03DQG\x03\\RX\x03\nPD\\\x03KDYH\x03WR\x03SD\\\x03WKH\x03DPRXQW\x03LQ\x03TXHVWLRQ\x11\x03\x03\n\n,I\x03\\RX\x03UHFHLYH\x03RXU\x03H[SODQDWLRQ\x03EXW\x03VWLOO\x03EHOLHYH\x03\\RXU\x03ELOO\x03LV\x03ZURQJ\x0f\x03\\RX\x03PXVW\x03\nZULWH\x03WR\x03XV\x03ZLWKLQ\x03\x14\x13\x03GD\\V\x03WHOOLQJ\x03XV\x03WKDW\x03\\RX\x03VWLOO\x03UHIXVH\x03WR\x03SD\\\x11\x03,I\x03\\RX\x03GR\x03\nVR\x0f\x03 ZH\x03 FDQQRW\x03 UHSRUW\x03 \\RX\x03 DV\x03 GHOLQTXHQW\x03 ZLWKRXW\x03 DOVR\x03 UHSRUWLQJ\x03 WKDW\x03 \\RX\x03\nDUH\x03TXHVWLRQLQJ\x03\\RXU\x03ELOO\x11\x03:H\x03PXVW\x03WHOO\x03\\RX\x03WKH\x03QDPH\x03RI\x03DQ\\RQH\x03WR\x03ZKRP\x03\nZH\x03 UHSRUWHG\x03 \\RX\x03 DV\x03 GHOLQTXHQW\x0f\x03 DQG\x03 ZH\x03 PXVW\x03 OHW\x03 WKRVH\x03 RUJDQL]DWLRQV\x03\nNQRZ\x03ZKHQ\x03WKH\x03PDWWHU\x03KDV\x03EHHQ\x03VHWWOHG\x03EHWZHHQ\x03XV\x11\x03\x03\n,I\x03ZH\x03GR\x03QRW\x03IROORZ\x03DOO\x03RI\x03WKH\x03UXOHV\x03DERYH\x0f\x03\\RX\x03GR\x03QRW\x03KDYH\x03WR\x03SD\\\x03WKH\x03ILUVW\x03\n\x07\x18\x13\x03RI\x03WKH\x03DPRXQW\x03\\RX\x03TXHVWLRQ\x03HYHQ\x03LI\x03\\RXU\x03ELOO\x03LV\x03FRUUHFW\x11\x03\x03\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\n,I\x03 \\RX\x03 DUH\x03 GLVVDWLVILHG\x03 ZLWK\x03 WKH\x03 JRRGV\x03 RU\x03 VHUYLFHV\x03 WKDW\x03 \\RX\x03 KDYH\x03\nSXUFKDVHG\x03 ZLWK\x03 \\RXU\x03 FUHGLW\x03 FDUG\x0f\x03 DQG\x03 \\RX\x03 KDYH\x03 WULHG\x03 LQ\x03 JRRG\x03 IDLWK\x03 WR\x03\nFRUUHFW\x03WKH\x03SUREOHP\x03ZLWK\x03WKH\x03PHUFKDQW\x0f\x03\\RX\x03PD\\\x03KDYH\x03WKH\x03ULJKW\x03QRW\x03WR\x03SD\\\x03\nWKH\x03UHPDLQLQJ\x03DPRXQW\x03GXH\x03RQ\x03WKH\x03SXUFKDVH\x11\x037R\x03XVH\x03WKLV\x03ULJKW\x0f\x03DOO\x03RI\x03WKH\x03\nIROORZLQJ\x03PXVW\x03EH\x03WUXH\x1d\x03\n\x14\x11\x037KH\x03 SXUFKDVH\x03 PXVW\x03 KDYH\x03 EHHQ\x03 PDGH\x03 LQ\x03 \\RXU\x03 KRPH\x03 VWDWH\x03 RU\x03 ZLWKLQ\x03\n\x14\x13\x13\x03 PLOHV\x03 RI\x03 \\RXU\x03 FXUUHQW\x03PDLOLQJ\x03 DGGUHVV\x0f\x03 DQG\x03 WKH\x03 SXUFKDVH\x03 SULFH\x03\nPXVW\x03 KDYH\x03 EHHQ\x03 PRUH\x03 WKDQ\x03 \x07\x18\x13\x11\x03 1RWH\x1d\x03 1HLWKHU\x03 RI\x03 WKHVH\x03 DUH\x03\nQHFHVVDU\\\x03 LI\x03 \\RXU\x03 SXUFKDVH\x03 ZDV\x03 EDVHG\x03 RQ\x03 DQ\x03 DGYHUWLVHPHQW\x03 ZH\x03\nPDLOHG\x03WR\x03\\RX\x0f\x03RU\x03LI\x03ZH\x03RZQ\x03WKH\x03FRPSDQ\\\x03WKDW\x03VROG\x03\\RX\x03WKH\x03JRRGV\x03RU\x03\nVHUYLFHV\x11 \x03\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\x14\x11\x03:LWKLQ\x03 \x16\x13\x03 GD\\V\x03 RI\x03 UHFHLYLQJ\x03 \\RXU\x03 OHWWHU\x0f\x03 ZH\x03 PXVW\x03 WHOO\x03 \\RX\x03 WKDW\x03 ZH\x03\nUHFHLYHG\x03 \\RXU\x03 OHWWHU\x11\x03 :H\x03 ZLOO\x03 DOVR\x03 WHOO\x03 \\RX\x03 LI\x03 ZH\x03 KDYH\x03 DOUHDG\\\x03\nFRUUHFWHG\x03WKH\x03HUURU\x11\x03\n\n\x15\x11\x03<RX\x03PXVW\x03 KDYH\x03 XVHG\x03 \\RXU\x03 FUHGLW\x03FDUG\x03 IRU\x03WKH\x03 SXUFKDVH\x11\x033XUFKDVHV\x03\nPDGH\x03 ZLWK\x03 FDVK\x03 DGYDQFHV\x03 IURP\x03 DQ\x03 $70\x03 RU\x03 ZLWK\x03 D\x03 FKHFN\x03 WKDW\x03\nDFFHVVHV\x03\\RXU\x03FUHGLW\x03FDUG\x03DFFRXQW\x03GR\x03QRW\x03TXDOLI\\\x11\x03\n\n\x15\x11\x03:LWKLQ\x03 \x1c\x13\x03 GD\\V\x03 RI\x03 UHFHLYLQJ\x03 \\RXU\x03 OHWWHU\x0f\x03 ZH\x03 PXVW\x03 HLWKHU\x03 FRUUHFW\x03 WKH\x03\nHUURU\x03RU\x03H[SODLQ\x03WR\x03\\RX\x03ZK\\\x03ZH\x03EHOLHYH\x03WKH\x03ELOO\x03LV\x03FRUUHFW\x11\x03\n\n\x16\x11\x03<RX\x03PXVW\x03QRW\x03\\HW\x03KDYH\x03IXOO\\\x03SDLG\x03IRU\x03WKH\x03SXUFKDVH\x11\x03\n\nWhile we investigate whether or not there has been an error:\n\n\xc2\xb7\x03 :H\x03 FDQQRW\x03 WU\\\x03 WR\x03 FROOHFW\x03 WKH\x03 DPRXQW\x03 LQ\x03 TXHVWLRQ\x0f\x03 RU\x03 UHSRUW\x03 \\RX\x03 DV\x03\nGHOLQTXHQW\x03RQ\x03WKDW\x03DPRXQW\x11\x03\n\xc2\xb7\x03 7KH\x03FKDUJH\x03LQ\x03TXHVWLRQ\x03PD\\\x03UHPDLQ\x03RQ\x03\\RXU\x03VWDWHPHQW\x0f\x03DQG\x03ZH\x03PD\\\x03\nFRQWLQXH\x03WR\x03FKDUJH\x03\\RX\x03LQWHUHVW\x03RQ\x03WKDW\x03DPRXQW\x11\x03\x03\n\xc2\xb7\x03 :KLOH\x03 \\RX\x03 GR\x03 QRW\x03 KDYH\x03 WR\x03 SD\\\x03 WKH\x03 DPRXQW\x03 LQ\x03 TXHVWLRQ\x0f\x03 \\RX\x03 DUH\x03\nUHVSRQVLEOH\x03IRU\x03WKH\x03UHPDLQGHU\x03RI\x03\\RXU\x03EDODQFH\x11\x03\x03\n\xc2\xb7\x03 :H\x03FDQ\x03DSSO\\\x03DQ\\\x03XQSDLG\x03DPRXQW\x03DJDLQVW\x03\\RXU\x03FUHGLW\x03OLPLW\x11\x03\n\n,I\x03 DOO\x03 RI\x03WKH\x03 FULWHULD\x03 DERYH\x03 DUH\x03 PHW\x03 DQG\x03 \\RX\x03 DUH\x03 VWLOO\x03 GLVVDWLVILHG\x03 ZLWK\x03 WKH\x03\nSXUFKDVH\x0f\x03 FRQWDFW\x03 XV\x03 LQ\x03 ZULWLQJ\x03 DW\x03 WKH\x03 DGGUHVV HV \x03 OLVWHG\x03 RQ\x03 \\RXU\x03\nVWDWHPHQW\x11\x03\n:KLOH\x03 ZH\x03 LQYHVWLJDWH\x0f\x03 WKH\x03 VDPH\x03 UXOHV\x03 DSSO\\\x03 WR\x03 WKH\x03 GLVSXWHG\x03 DPRXQW\x03 DV\x03\nGLVFXVVHG\x03 DERYH\x11\x03 $IWHU\x03 ZH\x03 ILQLVK\x03 RXU\x03 LQYHVWLJDWLRQ\x0f\x03 ZH\x03 ZLOO\x03 WHOO\x03 \\RX\x03 RXU\x03\nGHFLVLRQ\x11\x03 $W\x03 WKDW\x03 SRLQW\x0f\x03 LI\x03 ZH\x03 WKLQN\x03 \\RX\x03 RZH\x03 DQ\x03 DPRXQW\x03 DQG\x03 \\RX\x03 GR\x03 QRW\x03\nSD\\\x0f\x03ZH\x03PD\\\x03UHSRUW\x03\\RX\x03DV\x03GHOLQTXHQW\x11\x03\n\x03\n\nAfter we finish our investigation, one of two things will happen:\n\n\xc2\xb7\x03 ,I\x03 ZH\x03 PDGH\x03 D\x03 PLVWDNH\x1d\x03 <RX\x03 ZLOO\x03 QRW\x03 KDYH\x03 WR\x03 SD\\\x03 WKH\x03 DPRXQW\x03 LQ\x03\nTXHVWLRQ\x03RU\x03DQ\\\x03LQWHUHVW\x03RU\x03RWKHU\x03IHHV\x03UHODWHG\x03WR\x03WKDW\x03DPRXQW\x11\x03\n\x03\n\x03\n\nSDJH\x03\x16\x03RI\x03\x16\x03\n\n\x0c"