b'CREDIT CARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE STATEMENT\n\nBORROWER 1 NAME\n\nACCOUNT NUMBER\n\nBORROWER 2 NAME\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\ncredit card issued to you or those 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\nmeans Blackhawk Community Credit Union or its successors. By using your card, you agree to all of the terms and conditions\nset forth herein.\nThe following disclosure represents important details concerning your credit card. We reserve the right to periodically review\nyour credit standing and to increase any rate on your new balances, in accordance with applicable law.\nINTEREST RATES and INTEREST CHARGES:\n\n7.75\n7.75 %\n\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\n\nThis APR will vary with the market based on the Prime Rate*.\n\nPenalty APR and When it Applies\n\nNone\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases or balance transfers if you pay your entire new\npurchase or balance transfer balance by the due date each month.\nFor Cash Advances, we will begin charging interest on the date the cash advance is\nposted to your account.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\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\nyour Account\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Returned Payment:\n\nNone\nNone\n\nNone\nNone\nA 1% International Transaction Fee will be assessed on all transactions where\nthe merchant country differs from the United States.\nUp to $10.00 if your minimum payment is not received by the end of the billing\ncycle as shown on your periodic statement.\nUp to $10.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\nSEE NEXT PAGE for more important information about this account\n9011/9010 LASER IMM FI14844 Rev 3-2019\n\npage 1 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cOTHER IMPORTANT DISCLOSURES:\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nStatement Copy Fee: $1.00\nLost Card/Replacement Fee: $10.00\nPIN Replacement Fee: $3.00\nReceipt Copy Fee: $17.00\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will 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 any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. Certain purchases and cash advances require\nauthorization prior to completion of the transaction. In some cases, you may\nbe asked to provide identification. If our system is not working, we may not be\nable to authorize a transaction, even though you have sufficient credit\navailable. Also, for security reasons, we may block the use of your Card in\ncertain countries or geographic areas. We will have no liability to you or\nothers if any of these events occur. For your added convenience, you are able\nto extend your credit limit to 5% over your approved credit limit.\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 Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; and (c) credit in excess of your credit limit that we may extend to you. If\nthe Wisconsin Consumer Act does not apply to your Card, you also promise\nto pay collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law.\nMinimum Payment Requirement: 2% of the outstanding balance, subject to\na minimum of $10.00.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this\nAgreement. We may decline any transaction that we believe to be illegal\nunder applicable law, including but not limited to any transaction involving or\nrelating to any gambling activity. You agree that we will have no liability or\nresponsibility for any such use by you or any authorized user(s); or for\ndeclining any such transaction. You further agree to indemnify and hold us\nharmless from any suits, liability, damages or adverse action of any kind that\nresults directly or indirectly from such illegal use. You promise to pay us any\nand all amounts owing on your Card for any transactions made by you, even\nif the transaction is determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\n9011/9010 LASER IMM FI14844 Rev 3-2019\n\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\n*Variable Rates: The ANNUAL PERCENTAGE RATE (APR) is a variable\nrate, that may increase or decrease when the Prime Rate, as identified in the\n\xe2\x80\x98Money Rates\xe2\x80\x99 column of the Wall Street Journal, changes. We calculate the\nAPR based on the Prime Rate (Index), plus a margin of 4.50%. The APR is\nsubject to change quarterly and will take effect on the first day of your\nJanuary, April, July and October billing cycles, following a change in the Prime\nRate. The APR will never be more than the maximum rate allowed by\napplicable law. Any increase in the APR may increase your Interest Charges\nand your Minimum Payment until what you owe has been repaid.\nDaily Periodic Rates: Purchases, Cash Advances, and Balance Transfers:\n______________%\n0.021232\n0.021232\nGrace Period on Purchases or Balance Transfers: You can avoid Interest\nCharges on purchases and balance transfers by paying the full amount of the\nnew balance for purchases or balance transfers each month by the date on\nwhich the payment is due. Otherwise, the new balance of your account, and\nsubsequent advances from the date they are posted to the account, will be\nsubject to an Interest Charge. You cannot avoid Interest Charges on cash\nadvances; even if you pay the entire cash advance balance by the payment\ndue date, you will incur the Interest Charges accrued from the date the cash\nadvance is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you during the term of your\nCard, including:\nForeign Transaction Fee: A 1% International Transaction Fee will be\nassessed on all transactions where the merchant country differs from the\nUnited States;\nLate Payment Fee: Up to $10.00 if your minimum payment is not received\nby the end of the billing cycle as shown on your periodic statement;\nReturned Payment Fee: Up to $10.00 if your payment is returned for any\nreason.\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 of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (608) 755-6065 or (800) 779-5555 or after hours\n\npage 2 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0ccall (800) 449-7728. You agree to follow up your call with notice in writing to\nus at: P.O. Box 5366, 2640 W. Court Street, Janesville, Wisconsin 535475366. You also agree to assist us in determining the facts, circumstances and\nother pertinent information relating to any loss, theft or possible unauthorized\nuse of your Card and comply with such procedures as we may require in\nconnection with our investigation. You will be liable for any unauthorized use\nonly if we can prove that you were negligent in your use or handling of your\nCard, or if we can prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address designated on the billing\nstatement, it will be credited to your account on the date of receipt. If payment\nis made at any location other than the address designated on the periodic\nstatement, credit for such payment may be delayed up to five (5) days.\nPayments will be applied in any order we determine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you or your spouse die; (4) if you file a petition in\nbankruptcy or have a bankruptcy petition filed against you, or if you become\ninvolved in any insolvency, receivership or custodial proceeding; (5) if anyone\nattempts to take any of your funds held by us via legal process or if you have\na judgment or tax lien filed against you; (6) if you make any false, inaccurate,\nor misleading statements in any credit application or credit update; or (7) if\nwe, in good faith, believe that you or your spouse\xe2\x80\x99s ability to repay what you\nowe is or soon will be impaired, or that you are unwilling to make your\npayments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. Even if your unpaid balance\nis less than your credit limit, you will have no credit available during any time\nthat any aspect of your account is in default. If the Wisconsin Consumer Act\ndoes not apply to your Card, you agree to pay all reasonable costs of\ncollection, including court costs and attorney\xe2\x80\x99s fees, subject to applicable law.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such\ninformation when requested by us may result in suspension of credit\nprivileges under this Agreement, including your ability to obtain any future\nadvances by any means. You authorize us to investigate your credit standing\nwhen opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire\nabout your credit standing.\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\n9011/9010 LASER IMM FI14844 Rev 3-2019\n\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\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 need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay 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 and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 3 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 800.779.5555 during our normal business hours.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\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 address(es)\nlisted 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 is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto 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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 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\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\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 when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe 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 own\nthe 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.\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 statement.\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 pay, we\nmay report you as delinquent.\n\n9011/9010 LASER IMM FI14844 Rev 3-2019\n\npage 4 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'M-123958\nCONSUMER CREDIT\nCARD AGREEMENT\nAND DISCLOSURE\nP.O. Box 23267, Washington, D.C. 20026-3267\n703.934.8300 | 800.491.2328 | Fax 703.934.8320\nwww.CongressionalFCU.org\n\nVISA SIGNATURE PREMIER REWARDS\nVISA SIGNATURE CASH REWARDS\nVISA PLATINUM RATE SAVER\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening\ndocuments or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern\nthe terms and conditions of this Account. \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 Congressional Federal Credit Union with\nwhich 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 each applicant and co-applicant for the Account; any person responsible\nfor paying the Account; and anyone You authorize to use, access or service the Account. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa\xc2\xae credit card and any other\naccess devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. \xe2\x80\x9cAccount\xe2\x80\x9d means the\nline of credit established by this Agreement and includes Your Card .\n\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure\nYour Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the\nCredit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the\nfuture to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax\ntreatment under state or federal law if given as security are not subject to the security interest You have given in Your\nshares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize\nUs to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You\nagree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your\npledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You\nwill not be deemed a covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when\nYou were not a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your\nAccount in accordance with this Agreement. Your Account must only be used for lawful transactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit\nlimit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other\ncharges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or\ndecrease Your credit limit, refuse to make an advance and/or terminate 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 checks to You that may be drawn on Your Account. Convenience\nchecks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash\nadvance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not\nconstitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay\nany fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop\npayment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must accurately describe the check\nincluding the exact Account number, the payee, any check number 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 14 days unless You confirm Your request in writing within\nthat time. Written stop payment orders are effective only for six months and may be renewed for additional six month periods by requesting\nin writing that the stop payment order be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a statement describing the\ndispute with the payee, to assign to Us all of Your rights against the payee or other holders of the check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\xe2\x80\x99s fees, damages, or claims, related to Our\nhonoring Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to Us or the\ngiving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the\nUniform Commercial Code. It is an advance from Your credit card Account with Us and Your stop payment rights are provided under this\nAgreement with Us.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\nPAGE 1\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0c4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions made\nto Your Account by You or anyone You authorize to use Your Account as well as all interest charges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $15.00, whichever is greater, plus any amount past due and any amount\nby which You have exceeded Your applicable credit limit. If Your total New Balance is less than $15.00, then Your Minimum Payment Due is\nthe amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your Account has a\nbalance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date the payment is posted or the\nCredit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner the Credit Union\nchooses, as permitted by applicable law. If You make a payment in excess of the required Minimum Payment Due, the Credit Union will\nallocate the excess amount first to the balance with the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other\nbalances in descending order based on applicable APR, unless otherwise prescribed by applicable law. We may accept checks marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or with words of similar effect without losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of the following billing\ncycle. We will begin charging You interest on cash advances and balance transfers on the date of the transaction or the first day of the billing\ncycle in which the transaction is posted to Your Account, whichever is later (transaction date). However, We will not charge You any interest\non new purchases if You paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement.\nTo avoid an additional finance charge on the balance of purchases, You must pay the entire new balance on the billing statement by the\nPayment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances (\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We\nfigure the interest charge for each Transaction Type by applying the periodic rate to each corresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning balance for that Transaction Type each day, add any new transactions\nof that type (excluding new purchases), and subtract any unpaid interest or other finance charges and any applicable payments or credits.\nThis gives Us the daily balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing\ncycle and divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account, the fee amounts\nand explanations are disclosed on the Account Opening Disclosure accompanying this Agreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your Account in U.S. dollars.\nThe exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected\nby Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from\nthe rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on\nthe processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.\nVisa Signature Cash Rewards, Visa Platinum Rate Saver - A fee (finance charge) will be charged on all transactions completed in a foreign\ncurrency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where\nexcluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if You have sufficient\ncredit available. You agree that We will not be liable for failing to give an authorization. We also reserve the right to limit the number of\ntransactions that may be approved in one day. We reserve the right to deny certain transactions for any reason and at Our sole discretion,\nincluding for default, suspected fraudulent or unlawful activity, internet gambling or any indication of increased risk related to the transaction\nor the Account. You agree that We have no requirement to notify You of the specific reason We denied a transaction. If We detect unusual or\nsuspicious activity, We may suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges to Your Card on a\nrecurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your Account information (such as Card\nnumber or expiration date) changes, or Your Account is closed. However, if Your Card is replaced or Your Account information changes, You\nauthorize Us, without obligation on Our part, to provide the updated Account information to the merchant in order to permit the merchant to\nbill recurring charges to Your Card. You authorize Us to apply such recurring charges to Your Card until You notify Us that You have revoked\nauthorization for the charges to Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account information (such as\nCard number or expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not\nguaranteed before Your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume.\nTo revoke Your authorization allowing Us to provide updated Account information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example, Your Card is lost or\nstolen, You default, or We change Your Account for any reason. If preauthorized recurring charges are suspended, You are responsible for\nmaking direct payment for such charges until You contact the merchant to reinstate recurring charges.\nPAGE 2\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0c11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment Due Date; pay by\na check or similar instrument that is not honored or that We must return because it cannot be processed; pay by automatic debit that is\nreturned unpaid; make any false or misleading statements in any credit application or credit update; file for bankruptcy; or die. You will also\nbe in default if You fail to comply with the terms of 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 balance immediately, subject to applicable law. In this\nAgreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share and/or deposit accounts with\nthe Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts to any amounts due. You agree We may rely on\nYour agreement and authorization to, upon Your default, apply any balance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of Your credit card or a\npossible unauthorized use of Your Card, You should write to Us immediately at PO Box 23267, Washington, DC, 20026-3267 or call Us at\n(800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for unauthorized use that occurs\nbefore Your notice to Us. You will have no liability for unauthorized use unless You are found to be fraudulent or negligent in the handling of\nYour Account or Card. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of this Agreement and\nany attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. To the extent permitted by\nlaw, changes to the Agreement may apply to Your existing account balance as well as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either You, Your spouse\nor the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or the Credit Union will not affect Your\nobligation to pay the account balance plus any finance and other charges You or Your spouse owe under this Agreement. Your obligation to\npay the account balance plus any finance and other charges You owe under this agreement are subject to all applicable laws and regulations\nregarding repayment requirements. The Card or Cards You receive remain the property of the Credit Union and You must recover and\nsurrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination by You or the Credit\nUnion will not affect Your obligation to pay the account balance plus any finance and other charges You owe under this Agreement. Your\nobligation to pay the account balance plus any finance and other charges You owe under this agreement are subject to all applicable laws\nand regulations regarding repayment requirements. The Card or Cards You receive remain the property of the Credit Union and You must\nrecover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You designate. You must notify\nUs in writing of any termination of an authorized user\xe2\x80\x99s right to access Your Account. Your notice must include the name of the authorized\nuser and Your Account number and/or any subaccount number issued to the authorized user along with the authorized user\xe2\x80\x99s Card and any\nconvenience or other access checks issued to the authorized user. If You cannot return the authorized user\xe2\x80\x99s Card or access checks and if\nYou request Your Account to be closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole\ndiscretion, issue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit reports and any\nother information We may need to verify Your identity and use of the Account when opening Your Account and for any update, increase,\nrenewal, extension, collection or review of Your Account. You authorize the Credit Union to disclose information regarding Your Account to\ncredit bureaus and creditors who inquire about Your credit standing. We may report information about Your Account to credit bureaus. Late\npayments, missed payments, or other defaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that the Credit Union can require any one of You individually to repay the entire amount owed under this\nAgreement. Each of You authorizes the other(s) to make transactions on the Account individually. Any one of You may terminate the Account\nand the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even though the sales,\ncash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of Your Account. This\nwritten Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part of this Agreement be found to be\ninvalid or unenforceable, all other parts of this Agreement shall remain in effect and fully enforceable to the fullest extent possible under\nthis Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including any type of electronic\ngambling transaction through the Internet, that is illegal under applicable federal, state, or local law. Even if You use Your Card for an illegal\ntransaction, You will be responsible for all amounts and charges incurred in connection with the transaction. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that is illegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of Washington,\nDistrict of Columbia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this Agreement without losing them.\nPAGE 3\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0c22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are liable for any\nreasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further disclosed on this Agreement, or to the extent\nallowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit approval, use the\ncredit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law,\nYou are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail\nto fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of Your disposable\nearnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your Card Account pursuant\nto Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from enforcing repayment\nof a debt including promises to extend or renew such debt are not enforceable. To protect You (borrower(s)) and Us (creditor) from\nmisunderstanding or disappointment, any Agreements We reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the Agreement between Us, except 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 this Account, including for any review, modification,\nrenewal or collections associated with this Account. Upon Your request, You will be informed whether such report was requested and, if so,\nthe name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking\nDepartment at 800.342.3736 or www.dfs.ny.gov to obtain a comparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy\ncustomers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the lender\xe2\x80\x99s loan practices,\nYou may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the address or phone\nnumber listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your spouse that We\nhave opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You and the Credit Union.\nThis written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified that a\nnegative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your\ncredit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS NOTE MEANS THAT\nYOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO\nCOLLECT FROM YOU.\n\nPAGE 4\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair 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 address listed on Your statement.\nIn 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 what You believe is wrong and why You believe it is a mistake.\nYou 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 You want to stop payment on the amount You think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any\npotential errors and 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 Your letter. We will also tell You if We have already corrected\nthe error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n-\n\nWe cannot try to collect the amount in question, or report You as delinquent on that amount.\nThe charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\nWe can apply any unpaid amount against Your credit limit.\n\nAfter We finish 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 any interest or other fees related to that amount.\n- 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\nwill 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\nthe amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If\nYou 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\nto whom We reported You as delinquent, and We must let those organizations know 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 $50 of the amount You question even if Your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to correct\nthe problem with the merchant, You may have the right not to pay the remaining 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 miles of Your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to\nYou, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nYour credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at the address listed\non Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed 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 pay, We may report You as delinquent.\n\nPAGE 5\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0cPAGE 6\n\n00800844-MXC30-C-1-111417 (MXC303-E)\n\n\x0c'


b'Security Service Power Travel Rewards World Mastercard\xc2\xae\n(for new SSFCU credit card applications)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR for 6 billing cycles from the date of the first purchase\nperformed within 6 months from the date of account opening.\nAfter that, the APR will be\ncreditworthiness.\n\n11.00% to 12.00% based on your\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\n0% Introductory APR for 6 billing cycles from the date of the first balance transfer\nperformed within 6 months from the date of account opening.\nAfter that, the APR will be\n\n8.90% for balance transfers.\n\nThis APR is a fixed rate and will not vary with the Prime Rate.\nAPR for Cash Advances\n\n0% Introductory APR for 6 billing cycles from the date of the first cash advance\nperformed within 6 months from the date of account opening.\nAfter that, the APR will be\n\n11.00% to 12.00% based on your creditworthiness.\n\nThese APRs will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on balance transfers and cash\nadvances on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for a credit card or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\n\nFees\nTransaction Fees\nBalance Transfer Fee\n\nUp to 2.00% with a $200 limit.\n\nCash Advance Fee\n\nUp to 2.00%.\n\nForeign Transaction Fee\n\nNone.\n\nPenalty Fees\nLate Payment\n\nUp to $25.\n\nReturned Payment\n\nUp to $20.\n\nHow we calculate your balance: We use the method called the average daily balance (including new purchases).\nThis balance is figured by adding the outstanding balance (including new purchases and deducting payments and\ncredits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\n(for upgrades to existing SSFCU credit card accounts)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0% Introductory APR for 6 billing cycles from the date of the first purchase\nperformed within 6 months from the beginning date of the first full billing cycle after\nthe account transfer.\nAfter that, the APR will be\ncreditworthiness.\n\n11.00% to 12.00% based on your\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\n0% Introductory APR for 6 billing cycles from the date of the first balance transfer\nperformed within 6 months from the beginning date of the first full billing cycle after\nthe account transfer.\nAfter that, the APR will be\n\n8.90% for balance transfers.\n\nThis APR is a fixed rate and will not vary with the Prime Rate.\nAPR for Cash Advances\n\n0% Introductory APR for 6 billing cycles from the date of the first cash advance\nperformed within 6 months from the beginning date of the first full billing cycle after\nthe account transfer.\nAfter that, the APR will be\n\n11.00% to 12.00% based on your creditworthiness.\n\nThese APRs will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on balance transfers and cash\nadvances on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for a credit card or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\n\nFees\nTransaction Fees\nBalance Transfer Fee\n\nUp to 2.00% with a $200 limit.\n\nCash Advance Fee\n\nUp to 2.00%.\n\nForeign Transaction Fee\n\nNone.\n\nPenalty Fees\nLate Payment\n\nUp to $25.\n\nReturned Payment\n\nUp to $20.\n\nHow we calculate your balance: We use the method called the average daily balance (including new purchases).\nThis balance is figured by adding the outstanding balance (including new purchases and deducting payments and\ncredits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\nAgreement and Disclosure Of Credit Card Terms\n1. Words Used Often in This Agreement. \xe2\x80\x9cAgreement\xe2\x80\x9d means this Security Service Federal Credit Union Credit Card\nAgreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Security Service Federal Credit Union. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the person who\nsigned an application for an account with us. If more than one person signed the application, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean\neach person who signed the application. \xe2\x80\x9cAccount\xe2\x80\x9d means your credit card account with us. \xe2\x80\x9cCard\xe2\x80\x9d means the credit\ncard issued to you for your account with us. If we issue more than one credit card to you, \xe2\x80\x9ccard\xe2\x80\x9d includes each credit\ncard issued to you. \xe2\x80\x9cATM\xe2\x80\x9d means automated teller machine.\n2. This Is Your Contract with Us. You have submitted an application for an account with us. By using or permitting\nanother to use your card(s), you are accepting the terms of this agreement and agreeing to keep all your promises to\nus contained in this agreement.\n3. Sign the Card and Keep This Agreement. You must sign the card before you use it. You should read this\nagreement and keep it for your records.\n4. Military Lending Act \xe2\x80\x93 Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nIn the event the Military Lending Act applies to an SSFCU product or service, then notwithstanding any other term or\ncondition in such product or service, such product or service insofar as it applies to the covered borrower, (1) shall not\ncontain any arbitration provision, (2) shall only be subject to setoff or cross-collateralization as is allowed by law, and\n(3) all legal notices shall be provided in accordance with the law of the applicable jurisdiction.\nIf you are a covered borrower under the Military Lending Act you are entitled by law to an oral disclosure of your loan\nterms. If you would like to hear that disclosure, please call 1-866-452-6945.\n5. Promise to Pay. You promise to pay us the amount of all purchases, cash advances and balance transfers that you\nmake using the card and all other charges, including the interest charge incurred under this agreement. Each use of\nthe card at an ATM to obtain cash is a cash advance. If you allow any person to use the card, you must pay for their\npurchases, cash advances, balance transfers and other charges, too.\n6. Promise to Pay Applies to All Applicants. If more than one person signed the application, each of you promises to\npay all amounts owed to us under this agreement. This means that we may collect money owed to us from each of\nyou or from all of you.\n7. Your Credit Limit. We will tell you the maximum amount you may owe us at any one time. That amount is your credit\nlimit. We may, in our sole discretion, allow additional borrowing if you are already up to your credit limit or if the\nborrowing would take you over your credit limit.\n8. Monthly Statement and Payments. We will send you a statement each month if your account has a balance. We will\nsend you one statement for all cards issued with your account number. If more than one person signed the\napplication, we will send the statement to the first person listed on the application. Each statement covers a billing\ncycle. A billing cycle is the number of days from the day after the \xe2\x80\x9cstatement date\xe2\x80\x9d on your last statement to the\n\xe2\x80\x9cstatement date\xe2\x80\x9d on your current statement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\nYour monthly statement will show your new balance, which is the total amount you owe us as of the statement date. It\nwill also show the minimum payment. Your minimum payment will be either $20.00 or 2% of the new balance,\nrounded up to the nearest dollar, whichever is greater. If your new balance is less than $20.00, your minimum\npayment will be the amount of the new balance. You must pay at least the minimum payment by the payment due\ndate shown on your statement. The payment due date for a billing period will be 25 days after the billing period ends.\nYou may pay the new balance in full or in part at any time. If you pay more than the minimum payment, you will still\nhave a minimum payment due on the next statement.\n9. Other Payment Terms. All your payments to us must be in U.S. dollars. All checks and other payment instruments or\nautomatic debits must be drawn on funds on deposit in the United States. We can accept partial or late payments, as\nwell as payments that are marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or any other similar language without losing any of our rights\nunder this agreement. Payments made to your account will be allocated in the following manner:\na. Unpaid interest charges\nb. Fees and penalties\nc. Balances with the highest APR\n10. Periodic Interest Rate Determination. Periodic Rates (Variable Rate). The Monthly Periodic Rate applied to the\nbalance subject to an interest charge for both purchases and cash advances will be a floating rate based upon an\nindex. However, regardless of the index value, the effective Annual Percentage Rate corresponding to the Monthly\nPeriodic Rate will never exceed EIGHTEEN PERCENT (18%), which is called the \xe2\x80\x9cMaximum Annual Percentage\nRate\xe2\x80\x9d.\na. The index used to calculate the periodic rate is the \xe2\x80\x9cprime rate\xe2\x80\x9d as published in the Money Rates table of the Wall\nStreet Journal. The index value used for a given billing cycle will be the value published on the last day of your\nprevious billing cycle. If the index is not published that day, the most recently published value before that day will\nbe used to determine the Monthly Periodic Rate. If more than one prime rate is published, the index will be the\nhighest rate published. If the Wall Street Journal ceases as a publication, we may use the prime rate published by\nany other newspaper or general circulation. If the Annual Percentage Rate increases, your periodic payment\namount may increase.\nb. Depending on your creditworthiness, we will add 7.75 or 8.75 percentage points to the index value to get the\nAnnual Percentage Rate that will apply to your respective account for the next billing cycle. Then, the Annual\nPercentage Rate for the billing cycle will be divided by 12 to get the Monthly Periodic Rate for the billing cycle.\nc. In the event the effective Annual Percentage Rate for the billing cycle exceeds the Maximum Annual Percentage\nRate we will divide the appropriate Maximum rate by 12 to get the Monthly Periodic Rate for the billing cycle.\n11. When Interest Charge Is Imposed.\nCash Advances and Balance Transfers: There is no \xe2\x80\x9cfree period.\xe2\x80\x9d An interest charge will be imposed as of the date\nof each cash advance or balance transfer that you obtain through the use of your card and will continue to accrue until\nthe date of full payment and all billed interest charges have been credited to your account. Such interest will appear\non your next statement.\nRetail Purchases of Goods and Services: There is a \xe2\x80\x9cfree period.\xe2\x80\x9d When the total balance is paid in full within\ntwenty-five (25) days after the statement date (on or before the payment due date), no additional interest charge will\nbe applied to new purchases appearing on the statement. If the new balance is not paid in full each month, within the\nprescribed time limitation, an interest charge will be imposed on the previous balance and on new purchases as of the\ndate such purchase is posted to your account. Interest will continue to accrue until the date full payment of these\nitems and all billed interest has been credited to your account. Such interest charges will appear on your next\nstatement.\n12. How We Compute the Balance on which Interest Charges Are Assessed. If payment in full for the entire new\nbalance shown on your statement from the previous billing cycle was received by us within 25 days after the\nstatement date (by the payment due date), new charges appearing on the current statement are excluded from the\nfollowing calculation: We figure the interest charge on your account by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account (including current transactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning\nbalance of your account each day, add any new advances or purchases and subtract any payments or credits and\nany unpaid interest and fees. This gives us the daily balance. Then we add up all the daily balances for the billing\ncycle and divide by the total number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d is then multiplied by the periodic rate shown above to determine your periodic interest charge.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\n13. Foreign Transactions. If you use your card to purchase goods or services, or to obtain cash in another country, your\nstatement will reflect the conversion of the foreign currency transaction amount into U.S. dollars. The currency\nconversion rate used to determine the transaction amount into U.S. dollars may be either a wholesale market rate or\ngovernment-mandated rate in effect the day Mastercard\xc2\xae processes the transaction, which may differ from the date\nthe transaction occurred or when it is posted to the cardholder\xe2\x80\x99s account.\n14. Liability for Unauthorized Use. You must tell us at once if the card is lost or stolen or you think someone used your\naccount without your permission. We may ask you to pay if someone used the card without your permission. We will\nnot ask you to pay if use of the card without your permission occurs after you notify us that the card is lost or stolen.\nYou may notify us that the card is lost or stolen by calling 1-888-443-6222. Your liability for unauthorized use will not\nexceed $50.\n15. Address for Notices to Us. All notices under this agreement should be addressed to Security Service Federal Credit\nUnion, Box 691550, San Antonio, Texas 78269-1550; Telephone 1-888-443-6222.\n16. Consent to Receive Communications. As allowed by law, we, including our agents and assigns, may try to contact\nyou at any mailing address, e-mail address, or telephone number you provide to us now and in the future. This\nincludes trying to contact you in writing, including mail and e-mail, by text messages and by telephone using an\nautomatic telephone dialing system, pre-recorded voice, or artificial voice.\n17. Changes in the Terms of This Agreement. We may change the terms of this agreement by mailing a written notice\nto the physical or electronic address shown on our record for this account. Notices will be provided in accordance with\napplicable law. Changes will take effect and become binding as of the effective date identified on the notification.\n18. You May Cancel the Account. You may cancel the account whenever you choose. To cancel the account, notify us\nat the address shown in paragraph 15 in writing that you want to cancel the account. You must still pay us any amount\nthat you owe us.\n19. We May Cancel the Account. We have the right to cancel the account at any time. You must return the card if we\nask you to do so. You may not use the card after we have cancelled the account.\n20. If You Do Not Pay Us. If you do not pay us the minimum payment due on or before the payment due date, or if you\nfail to meet any other obligations to us under this Agreement, or if the credit privileges under the Account are misused\nor used fraudulently, or if any representation in the information regarding your financial affairs you provide to us for the\nAccount proves to be false, or if you become the subject of any bankruptcy or similar proceeding, or if you die, we,\nwithout advance notice, can close your Account and declare the entire Account balance due and payable immediately\nunless such action is precluded by state law. You waive demand, presentment, notice of intent to accelerate and\nnotice of acceleration. If you do not pay us as agreed, you agree to pay the reasonable collection costs, including any\ncourt costs and reasonable attorney fees we incur in enforcing the Agreement.\n21. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\n22. Attorney Fees. If we refer your account to an attorney for collection, we may charge you (in states where permitted\nby law) for reasonable attorney fees and court costs incurred by us. This paragraph will not be considered a part of\nthis agreement if you live in a state that does not allow us to collect attorney fees and court costs.\n23. The Provisions of This Agreement Are Separable. If any provision of this agreement is held to be invalid or\nunenforceable, the rest of this agreement will not be affected.\n24. Limitation of Our Responsibility. We will not be responsible for merchandise or services purchased by you with the\ncard unless required by law. We will not be responsible for the refusal of any person to honor the card or if you are\nnot able to use the card at an ATM.\n25. Assignment of Your Account. We may assign your account without obtaining your consent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\n26. What Law Applies. Texas law, federal law, and other applicable state laws will govern this agreement. These laws\nwill be used to interpret our rights and your obligations under this agreement.\n27. Credit Reporting Agencies. We may give information about your payment history under this agreement to other\npersons or companies when permitted by law. You authorize us to make whatever credit or investigative inquiries we\ndeem necessary in the course of review of any credit extended under this agreement. If you ask us, we will tell you\nwhether we asked for credit reports about you. If we did, we will give you the name and address of the credit-reporting\nagency.\n28. Automatic Billing Updater (ABU). SSFCU subscribes to the Mastercard\xc2\xae Automatic Biller Updater program and\nSSFCU provides updated card information to the Service. Merchants who may participate in the Automatic Billing\nUpdater program will receive updated cardholder information for recurring card transactions. Information such as your\nexpiration date, card number (if the original card was lost/stolen/transferred) and closed card notifications are updated\nwith this service and communicated directly to participating merchants with whom you have recurring payments. To\nensure your payments continue uninterrupted, we recommend you continue to notify each merchant of any card\nchanges since all merchants do not subscribe to this service.\n29. Internet Gambling Disclosure. You may use your Security Service Federal Credit Union Mastercard\xc2\xae, hereinafter\nreferred to as \xe2\x80\x9ccard,\xe2\x80\x9d to conduct any transaction or obtain any credit union service permitted by law. Your Security\nService Federal Credit Union credit card may not be used for Internet gambling transactions. The credit union will\ndecline ALL KNOWN Internet gambling transaction requests. The credit union may also decline ALL transactions with\na mismatched expiration date and transactions that are hand-keyed if the hand-keyed transaction is for any type of\nbetting, including lottery tickets, casino gaming chips, off-track betting, and wagers. You agree that the use of the card\nto obtain a service or effect a transaction that is illegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this agreement where originated, effected, paid, or accomplished. As a\nresult, Security Service Federal Credit Union may terminate the access to the service or withdraw the right to use the\ncard and/or demand the return of all cards or other access devices issued to you. If illegal use of your card occurs,\nyou waive the right to sue Security Service Federal Credit Union and agree to indemnify and hold Security Service\nFederal Credit Union harmless from any suits or other legal action or liability which may be asserted directly or\nindirectly, against Security Service Federal Credit Union arising out of or resulting from the illegal use of this card.\n30. Arbitration. To the extent allowed by law, any claim, dispute, or controversy (whether in contract, tort, or otherwise)\narising from or relating to this agreement or the relationships which result from this agreement, including the validity or\nenforceability of this arbitration clause or any part thereof or the entire agreement (\xe2\x80\x9cclaim\xe2\x80\x9d) shall be resolved, upon the\nelection of you or us, by binding arbitration pursuant to this arbitration provision and the Code of Procedure of the\nNational Arbitration Forum in effect at the time the claim is filed. THE PARTIES ACKNOWLEDGE THAT THEY\nAGREE TO RESOLVE ANY CLAIMS THROUGH ARBITRATION, AND THAT THEY HEREBY WAIVE THEIR\nRIGHTS TO LITIGATE CLAIMS IN A COURT UPON THE ELECTION OF ARBITRATION BY EITHER PARTY.\n31. Other Agreements. This agreement supersedes all prior credit card agreements between you and us governing the\nuse of cards issued by us.\n32. Notices. You may pay the full amount you owe us at any time. A negative credit report reflecting on your credit record\nmay be submitted to a credit-reporting agency if you fail to keep your promises under this agreement.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0cSecurity Service Power Travel Rewards World Mastercard\xc2\xae\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and responsibilities under the Fair 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: Security Service Federal Credit Union, P.O. Box 691550,\nSan Antonio, Texas 78269-1550. In your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and 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 your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Security Service\nFederal Credit Union, P.O. Box 691550, San Antonio, Texas 78269-1550. While we investigate, the same rules apply to\nthe disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nMarch 16, 2020\n\n\x0c'