b'CARDHOLDER AGREEMENT AND DISCLOSURE\nEFFECTIVE: MARCH 1, 2017\n\nCARDHOLDER AGREEMENT AND DISCLOSURE\nSTATEMENT FOR YOUR VISA\xc2\xae ACCOUNT\nThis Agreement and Disclosure Statement covers your Visa\xc2\xae Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) with us. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean any user of your Account.\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean Advancial\nFederal Credit Union (\xe2\x80\x9cAdvancial\xe2\x80\x9d). In this Agreement, any plural term\nshall be deemed singular and any singular term shall be deemed plural\nwhen context and construction so require. In this Agreement, the word\n\xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or to those designated by\nyou under the terms of this Agreement. If you sign an application for\na Visa Account under this Agreement or sign or use any Visa Card or\nAccount issued, or allow others to use your Card or Account, you agree\nto all of the following terms and conditions:\n1. General. You authorize us to pay for your Account items\nrepresenting the following transactions: (a) purchases of goods and\nservices made using the Card, (b) cash advances in any of the following\nforms: (i) cash advances obtained from financial institutions, automated\nteller machines, or others through use of the Card, or (ii) check advances\nobtained through using special checks (Convenience Checks) to access\nyour Account. Such checks will be treated as cash advances under this\nAgreement and may not be used to pay your bill or any other loan with\nus, and (c) balance transfers requested by you orally and in writing,\nsubject to our security procedures.You agree that we may verify the\nauthenticity of balance transfer requests using our security procedures in\nplace at the time of any such request.\n2. Credit Limit. You will be advised of the credit limit applicable to your\nAccount.You promise not to allow your outstanding balance to exceed\nyour credit limit as disclosed at issuance or as adjusted from time to time\nat our discretion. If you exceed your credit limit, we can still charge you\nfor all purchases and advances without giving up any of our rights. If you\nwrite a Convenience Check which causes you to exceed your credit limit,\nwe are under no obligation to pay such check, and it may be returned to\npayee unpaid at our option.\n3. Convenience Checks. We may at our discretion, issue checks to\nyou which may be used for any purpose other than making a payment\nfor credit to your account or any other loan account with us. By signing\nsuch checks, you authorize us to pay the item for the amount indicated\nand post such amount as a cash advance to your account.We do not\nhave to pay any item which would cause the outstanding balance in your\naccount to exceed your credit limit. Please refer to the Account Opening\nDisclosures, attached and incorporated into this Agreement, for additional\ncharges that apply in connection with the use of Convenience Checks.\n4. Joint Applicant Liability. If the Account is issued to you and others\nas a joint Account, each use of your Account shall be an extension of\ncredit to all, and each of you shall be jointly and severally liable for all\ncharges made to the Account, including applicable fees. In addition, you\nagree that each of you designates the other as agent for the purpose\nof making purchases extended under this Agreement. Notice to one of\nyou shall constitute notice to all.Any joint cardholder may remove him/\nherself from responsibility for future purchases at any time by notifying\nus in writing. However, removal from the Account does not release you\nfrom any liability already incurred.\n5. Others Using Your Account. If you allow anyone else to use your\nAccount, you will be liable for all credit extended to such persons.You\n\nwill be liable for all actual, implied or apparent authorized use of your\nAccount.You promise to pay for all purchases and advances made by\nanyone you authorize to use your Account, whether or not you notify us\nthat he or she will be using it. If someone else is authorized to use your\nAccount and you want to end that person\xe2\x80\x99s privilege, you must let us\nknow in writing and if he or she has a Card, you must return that Card\nwith your written notice for it to be effective. Each user of your\nAccount may sign the Convenience Checks without the signature of any\nother party to this Agreement.\n6. Removal of Joint Cardholder. If a joint cardholder is removed\nfrom the Account, the Account will be closed and the remaining\ncardholder(s) must reapply for a new card account in order to retain\ncredit card privileges.\n7. Promise to Pay. You promise to repay us all payments made for\nyour Account resulting from use of the Card, using your Convenience\nChecks or otherwise, plus an INTEREST CHARGE on the unpaid\nbalance.At the end of each monthly billing cycle, you will be furnished\na periodic statement showing, among other things, the amount of all\npurchases, advances, fees, and INTEREST CHARGES posted to your\nAccount during the billing cycle, together with all payments and credits\nposted to your Account.The periodic statement will also show the\nbalance owed as of the end of the billing cycle.The balance owed will be\ndesignated as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on the periodic statement.\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the\nfront of the periodic statement, at your option, either (a) the entire\n\xe2\x80\x9cNew Balance\xe2\x80\x9d, or (b) the \xe2\x80\x9cCurrent Payment Due\xe2\x80\x9d which includes a\nminimum payment equal to an amount which is at least 3% of the \xe2\x80\x9cNew\nBalance\xe2\x80\x9d or $18.00, whichever is greater, plus any amount in excess of\nthe credit limit established by us, plus any past due minimum payments. If\nany \xe2\x80\x9cNew Balance\xe2\x80\x9d is $18.00 or less, it shall be paid in full.You may make\nextra payments in advance of the due date without penalty, and you may\nrepay any monies advanced, credit extended, or amount outstanding at\nany time without penalty for early payment. Regardless of the amount\nof any extra payment during a given month, a monthly payment will be\nrequired the following month if a balance remains in your Account.\n8. Cost of Credit.\na. Balance subject to and rate of INTEREST CHARGE \xe2\x80\x93 If your\nCard features an Introductory Rate for purchases, until the first day\nof the billing cycle that includes the 12-month anniversary date of the\nopening of your Account, you will pay an INTEREST CHARGE for\nall purchases made at the Introductory Rate Daily Periodic Rate and\ncorresponding ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) set forth\nin the Account Opening Disclosures.Thereafter, and for cash advances at\nall times, including during any Introductory Rate period, you will pay an\nINTEREST CHARGE for all advances made against your Account at\nthe Standard Rate Daily Periodic Rate and corresponding APR set forth\nin the Account Opening Disclosures. Balance transfers may be subject\nto a temporary Promotional Rate as set forth in the Account Opening\nDisclosures, and will be subject to the Standard Rate Daily Periodic Rate\nand APR after any Promotional Rate period. If a temporary Promotional\nRate does not apply, balance transfers will be subject to the Standard\nRate Daily Periodic Rate and APR at all times, including during any\nIntroductory Rate period for purchases.\n\n\x0cCardholder Agreement and Disclosure\n\ncontinued\nPAGE 2\n\nCash advances, including balance transfers, incur an INTEREST\nCHARGE from the date they are posted to the Account. New\npurchases will not incur an INTEREST CHARGE on the date they\nare posted to the Account if you have paid the Account in full by the\ndue date shown on your previous monthly statement or if there was no\nprevious balance. No additional INTEREST CHARGE will be incurred\nwhenever you pay the Account in full by the Payment Due Date.\nWe calculate the periodic INTEREST CHARGE on your Account\nby applying the applicable Daily Periodic Rate to the Average Daily\nBalance of your Account for each feature category, including certain\ncurrent transactions. Feature categories include purchases, balance\ntransfers, cash advances and promotional balances.These calculations\nmay combine different feature categories with the same Daily Periodic\nRates.The Average Daily Balance for each feature category is arrived at\nby taking the beginning balance of each feature category each day and\nadding any new transactions to the balance, except we will not include\nnew purchases if you have paid in full the New Balance on your previous\nstatement by the Payment Due Date or if the New Balance on your\nprevious statement was zero or reflected a credit balance.We then\nsubtract any payments or credits and unpaid INTEREST CHARGES\nand FINANCE CHARGES allocated to the feature category balance\nfor the day.This gives us the daily balance for such feature category.\nThe daily balances for each feature category are then added together\nand divided by the number of days in the billing cycle.The result is\nthe Average Daily Balance for each feature category.The periodic\nINTEREST CHARGE for each feature category is determined by\nmultiplying the Average Daily Balance by the number of days in the billing\ncycle and applying the applicable Daily Periodic Rate to the product.\nb. Grace Period and When INTEREST CHARGE Begins to\nAccrue \xe2\x80\x93 Credit purchases made during a billing cycle will not accrue\na periodic rate portion of INTEREST CHARGES during that billing\ncycle if you have paid in full the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on your\nmost recent previous periodic statement by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d\nshown on such statement, or there was a zero or credit balance on your\nmost recent previous periodic statement, and you pay the New Balance\nin full by the Payment Due Date shown on the current billing statement.\nThe Payment Due Date will be at least 25 days from the date we send\neach periodic statement. Otherwise, the INTEREST CHARGE on\ncredit purchases will begin to accrue on the date each credit purchase\nis posted to your Account.To avoid an additional periodic rate portion\nof INTEREST CHARGES being applied in the next billing cycle to\ncurrent cycle credit purchases, you must pay in full the New Balance by\nthe Payment Due Date shown on your periodic statement.\nc. Periodic Review of Creditworthiness and APR Adjustments \xe2\x80\x93\nExcept for Dinero Visa and Savings Secured Visa Accounts, the Standard\nRate Daily Periodic Rate and corresponding APR for all advances is\nbased on certain creditworthiness criteria.After your Account has been\nopen for at least one year, we may review your creditworthiness from\ntime to time, including when you request a credit limit increase, and\nadjust the Standard Rate Daily Periodic Rate and corresponding APR\nfor all advances within the range set forth in the Account Opening\nDisclosures. If we increase your Standard Rate APR, we will notify you\nin accordance with applicable law. Increases in your Standard Rate APR\nwill remain in effect for at least six months and may remain in effect\nindefinitely.Any increase in your Standard Rate APR will only apply to\nadvances made after the effective date of the change.Advances made\nbefore the effective date of a Standard Rate APR increase will remain\nsubject to the APR in effect before the date of the change.\n\n9. Default. You will be in default: (a) if you fail to make any payment\non time; (b) if you fail to keep any promises you have made under this\nAgreement or any other agreement with us; (c) if you are the subject\nof an order for relief under Title 11 of the U.S. Code (Bankruptcy); (d)\nif anyone tries, by legal process, to take any of your money kept with us;\n(e) if you have given us false or inaccurate information in obtaining your\nCard; or (f) if anything happens which we reasonably believe endangers\nyour ability to repay what you owe.\n10.Acceleration. If you are in default, we may call any amounts you still\nowe immediately due and payable plus INTEREST CHARGES which\nshall continue to accrue until the entire amount is paid.The Card remains\nour property at all times, and you agree to immediately surrender the\nCard and any unused Convenience Checks on our demand.You agree to\npay all reasonable costs of collection, including court costs and attorney\xe2\x80\x99s\nfees and any costs incurred in the recovery of the Card.You expressly\nwaive presentment, demand, notice of intention to accelerate, and notice of\nacceleration of the maturity of any amounts owing under this Agreement.\n11. Denial of Card Services. We may terminate or restrict your Card\nservices if you default or cause us a loss under this Agreement or any\nother obligation you have to us, or if you are abusive in the use of your\nCard or any other accounts or services with the Credit Union. In certain\ncircumstances, Card services may be reinstated if any delinquency, loss, or\nabuse is subsequently cured.\n12.Termination or Changes. We can, by written notice, terminate this\nAgreement at any time.You may terminate this Agreement, by written notice,\nas to future advances at any time.Termination by either party shall not affect\nyour obligation to repay any payments made for your Account resulting\nfrom the use of the Card or using your Convenience Checks as well as\nINTEREST CHARGES and other related charges. Subject to applicable\nlaw, we have the right to add to, change, or delete any of the terms of this\nAgreement, including the periodic rate, at any time by written notice.\n13. Late Payment Fee. We may assess a Late Payment Fee in an\namount as set forth in the Account Opening Disclosures if your \xe2\x80\x9cCurrent\nPayment Due\xe2\x80\x9d is not received within 10 days of your payment due date.\nIn no event will the amount of the Late Payment Fee exceed the amount\nof the required minimum payment for the applicable statement period.\n14. Returned Payment Fee. If you send us a check or other form of\npayment for your Account and the check or payment is not honored,\nyou may be charged a Returned Payment Fee in an amount as set forth\nin the Account Opening Disclosures. In no event will the amount of the\nReturned Payment Fee exceed the amount of the required minimum\npayment for the applicable statement period. If a Convenience Check is\nreturned, you will be charged a fee for each returned check as set forth\nin the Account Opening Disclosures.\n15. Liability for Unauthorized Use. You may be liable for the\nunauthorized use of your Card. If you notice the loss or theft of your\nCard or a possible unauthorized use of your Card, you should call us\nimmediately at:\n800.322.2709 or 214.880.0141\nYou may also write us at:\nAdvancial\n1845 Woodall Rodgers Fwy., Ste. 1300\nDallas, TX 75201\n\n\x0cCardholder Agreement and Disclosure\n\ncontinued\nPAGE 3\n\nAlthough you may write to notify us of unauthorized use, calling us\nimmediately at the telephone numbers above is the best way to keep\nyour possible losses down. Under Visa\xe2\x80\x99s zero liability policy, you will not\nbe liable for unauthorized use of your Card once you notify us orally\nor in writing of the loss, theft or possible unauthorized use.Visa\xe2\x80\x99s zero\nliability policy does not apply if you are grossly negligent or fraudulent\nin the handling of your Account or your Card, nor does it apply in the\ncase of cash advances obtained at an ATM.You will not be liable for any\nunauthorized use that occurs after you notify us.You may, however, be\nliable for unauthorized use that occurs before your notice to us. In any\ncase, your liability will not exceed $50.00.\n16. Change of Address and Other Information. If you move, you\nmust promptly give us your new address so we may change our records.\nYou agree to write your new address on that portion of the monthly\nstatement returned with your payment, or, if you pay electronically, by\nway of our payment website.You also agree to notify us promptly of any\nchange in your name, telephone number or place of employment.\n17. Crediting of Payments. We accept payments at (i) our branch\noffices, (ii) at the address given on the front of your monthly statement,\nand (iii) electronically through our online and mobile banking services.\nPayments received by these methods will be credited on the date of\nreceipt. Payments not received by these methods may be subject to a\ndelay in crediting of up to five days. Payments or credits will be applied\nfirst to any INTEREST CHARGES then due and the remainder to\nthe unpaid balance.\n18. Non-Waiver. We can accept late payment(s) or partial payment(s)\nor check(s) or money order(s) marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing\nany of our rights under this Agreement.We can also delay enforcing any\nof our rights under this Agreement without losing them.\n19. Stop-Payment Orders. Our rules for stopping payment on\nour ordinary checks apply to stopping payment on your Convenience\nChecks. If you ask us to stop payment or renew a stop payment order,\nyou will be charged for each order or renewal of an order the amount\nthen being charged by us for all of our checking accounts.\n20. Post-Dated Checks. You agree not to write post-dated\nConvenience Checks, and you further agree to hold us harmless from\nany and all losses and liability incurred due to the inadvertent payment\nby us of a post-dated Convenience Check written by you.\n21. Conforming Charges to Applicable Law. Notwithstanding\nany other provisions contained in this Agreement, we do not intend to\ncharge and you shall not be required to pay any amount of INTEREST\nCHARGE or other fee or charge that is in excess of the maximum\npermitted by applicable law.Any payments in excess of the maximum shall\nbe refunded to you or credited against your principal balance at our option.\n22. Security for this Account. To secure your Credit Card Account,\nyou grant us a purchase money security interest under the Uniform\nCommercial Code in any goods you purchase through the Account. If\nyou default, we will have the right to recover any of these goods which\nhave not been paid for.As a condition for the approval of your Visa\nAccount you grant us a specific pledge of your Credit Union shares as\nprovided below.\n\n23. Pledge of Share Account(s) \xe2\x80\x93 NOTE:You specifically grant us\na consensual security interest in all individual and joint accounts\nyou have with us now and in the future to secure repayment of\ncredit extensions made under this Agreement.The granting of\nthis security interest is a condition for the issuance of any Card\nwhich you may use, directly or indirectly, to obtain extensions\nof credit under this Agreement. Shares and deposits in an\nIndividual Retirement Account or any other account that would\nlose special tax treatment under state or federal law if given as\nsecurity are not subject to the security interest you are giving.\n24.Additional Security. If you have other loans with us, now or in the\nfuture, collateral securing those loans may also secure your obligations\nunder this Agreement. Please read any security agreement you sign in\norder to determine if the collateral also secures your obligations under\nthis Agreement and other agreements you have with us.\n25. Notification Address for Information Reported to Consumer\nReporting Agencies. We may report the status and payment history\nof your Account to credit reporting agencies each month. If you believe\nthat the information we have reported is inaccurate or incomplete, please\nnotify us in writing at Advancial Federal Credit Union, 1845 Woodall\nRodgers Fwy., Ste. 1300, Dallas,TX 75201. Please include your name,\naddress, telephone numbers and Account number.\n26. Illegal Transactions. You may not use your Card or Account\nfor any illegal transaction.You agree that we may decline to process\nany transaction which we believe in good faith to be for an illegal\npurpose.You agree that we will not be liable for declining to process\nany such transaction. If we do process any transaction which ultimately\nis determined to have been for an illegal purpose, you agree that you\nwill remain liable to us under this Agreement for any such transaction\nnotwithstanding its illegal nature.You agree that any illegal use of the\nCard or your Account will be deemed an act of default under this\nAgreement.You further agree to waive any right to take legal action\nagainst us for your illegal use of the Card or Account and to indemnify,\ndefend, and hold us and Visa International, Inc. harmless from and against\nany lawsuits, other legal action, claims or liability that results directly or\nindirectly from such illegal use.\n27. International Transactions. If you effect an international\ntransaction with your Visa Card, the rate of exchange between the\ntransaction currency and the billing currency used for processing the\ninternational transaction will be a rate selected by Visa from the range of\nrates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives\nor the government-mandated rate in effect for the applicable central\nprocessing date.\n28.Visa Emergency Services. If you request and we agree to provide\nVisa Emergency Services, you acknowledge that we may provide personal\ndata concerning you to Visa U.S.A., its Members, or their respective\ncontractors for the purpose of providing you with Visa Emergency cash\nand emergency Card Replacement Services, and you consent to the\nrelease of your information for these purposes.\n29.Advancial Rewards Card Program. With the Advancial Rewards\nCard Program, you can earn rewards points when you purchase eligible\ngoods and services with your Card.Accumulated points may be redeemed\nfor many valuable reward options.The Advancial Rewards Card Program is\nsubject to separate Terms and Conditions provided separately.\n\n\x0cCardholder Agreement and Disclosure\n\ncontinued\nPAGE 4\n\n30.Additional Provisions. Each provision of this Agreement must\nbe considered as part of the total Agreement and cannot, in any way,\nbe severed from it. However, you also agree that if any part of the\nAgreement be found invalid, it will in no way affect the remainder of\nthe Agreement.The validity, construction, and enforcement of this\nAgreement shall be governed by the laws of the State of Texas to the\nextent not preempted by federal law.\nWe do not warrant any merchandise or services purchased by you with\nthe Card or your Convenience Checks.All purchases and cash advances\nare extended at the option of the merchant or cash advancing financial\ninstitution, and we are not responsible for the refusal of any merchant or\nfinancial institution to honor your Card or your Convenience Checks.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights\nand 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:\nAdvancial\n1845 Woodall Rodgers Fwy., Ste. 1300\nDallas, TX 75201\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information:Your name and account number.\n\xe2\x80\xa2 Dollar amount:The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nstatement, describe what you believe is wrong and why you believe\nit 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 three business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\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 corrected\nthe error.\n2.Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe your statement is correct.While\nwe 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\nresponsible for 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\nquestion or any 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\namount in question along with applicable interest and fees.We will\nsend you a statement of the amount you owe and the date\npayment is due.We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your statement is wrong,\nyou must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your statement.We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those\norganizations 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\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\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.To use this right, all of the\nfollowing 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 $50.00. (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\nmade with cash advances from an ATM or with a Convenience Check\nthat accesses your credit card Account do not qualify.\n3.You must not yet have fully paid for the purchase. If all of the criteria\nabove are met and you are still dissatisfied with the purchase, contact us\nin writing at:\nAdvancial\n1845 Woodall Rodgers Fwy., Ste. 1300\nDallas, TX 75201\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\nThis Cardholder Agreement and Disclosures booklet supersedes all previous versions of Advancial Federal Credit Union\xe2\x80\x99s Cardholder Agreement and Disclosures booklet. Agreements and\ndisclosures may change from time to time. Please visit advancial.org for the most current version.\n\nForm EE158.2\n\nwww.advancial.org\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account\nopening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred\nto as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the 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\nto Wescom Central Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant\nand co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access\nor service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices, duplicates, renewals, or\nsubstitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes\nYour Card.\nSECURED CARD ONLY\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\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount. You understand that You must, at all times,\nkeep a balance equal to the credit limit on Your Account until You repay Your Account in full and Your Account is\nclosed.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts and all earnings, You\nhave with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any\nother account that would lose special tax treatment under state or federal law if given as security are not\nsubject to the security interest You have given in Your shares and deposits. You may withdraw these other\nshares unless You are in default. When You are in default, You authorize Us to apply the balance in these\naccounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use\nfunds in Your account(s) to pay any or all of the unpaid balance.\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\nagree to use Your Account 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\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due\nto finance charges, fees or other charges. For cash advances, ATM withdrawals, and balance transfers, You cannot exceed\n50% of Your approved credit limit. You may request a credit limit increase on Your Account only by a method acceptable to\nthe Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account\nat any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all\ntransactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges\nand 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\nand any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $15.00,\nthen Your Minimum Payment Due is the 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\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date\nthe payment is posted or the Credit Union confirms the payment has cleared.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n10426247-MXC30-C-1-050521 (MXC304-E)\n\n\x0cYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner the\nCredit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum Payment\nDue, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d)\nand any remaining portion to the other balances in descending order based on applicable APR, unless otherwise prescribed\nby applicable law. We may accept checks marked "payment in full" or with words of similar effect without losing any of Our\nrights to collect the full balance of Your Account with Us.\nSkip Payment - If We make a skip payment option available, You may skip Your payment(s) for certain months(s). If You\nchoose this option, interest will continue to accrue during the skipped month(s) at the APR provided in Your Credit Card\nAccount Opening Disclosure, but no late payment charges will be imposed during the skip period. You will be required to\nresume Your monthly payments right after the skipped month(s). Your first payment following the skipped month(s) will be\napplied more towards the accrued interest. Skipping Your next payment may delay the repayment of Your principal and You\nmay pay higher total FINANCE CHARGES. All credit terms applicable immediately prior to the skip period will again apply\nonce the skip period has expired.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the transaction\nis posted to Your Account. We will begin charging You interest on cash advances, ATM withdrawals, and balance transfers\non the date the transaction is posted to Your Account. However, We will not charge You any interest on new purchases if\nYour Account had a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the\nprevious cycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the\nbalance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that\nstatement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We calculate the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or other\nfinance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. Then,\nfor each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the number of days\nin the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account,\nthe fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this Agreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable transaction date, which rate may vary from the rate Visa itself receives, or the rate mandated by the government\nor governing body in effect for the applicable transaction date. The exchange rate used on the transaction date may differ\nfrom the rate that would have been used on the processing date or cardholder statement posting date.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if You\nhave sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also reserve the\nright to limit the number of transactions that may be approved in one day. We reserve the right to deny certain transactions\nfor any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity, internet gambling\nor any indication of increased risk related to the transaction or the Account. You agree that We have no requirement to\nnotify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We may suspend\nYour credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges to\nYour Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated Account\ninformation to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges are\nsuspended, You are responsible for making direct payment for such charges until You contact the merchant to reinstate\nrecurring charges.\nPage 2 of 6\n10426247-MXC30-C-1-050521 (MXC304-E)\n\n\x0c10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be processed;\npay by automatic debit that is returned unpaid; make any false or misleading statements in any credit application or credit\nupdate; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this Agreement or any\nother 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\nlaw. For a Secured Card, in this Agreement and on Your Credit Card Application, You gave Us a security interest in all\nindividual or joint share and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the\nbalance in these accounts to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your\ndefault, apply any balance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 7058,\nPasadena, CA, 91109-7058 or call Us at (888) 493-7266, 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\nuse that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are found to be fraudulent\nor negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized transactions will not exceed\n$50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of\nthis Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards 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\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You designate.\nYou must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your notice must\ninclude the name of the authorized user and Your Account number and/or any subaccount number issued to the authorized\nuser along with the authorized user\'s Card. If You cannot return the authorized user\'s Card and if You request Your Account\nto 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.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your Account\nand for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit Union to\ndisclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit standing. We\nmay report information about Your Account to credit bureaus. Late payments, missed payments, or other defaults on Your\nAccount may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay the\nentire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part\nof this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully\nenforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nPage 3 of 6\n10426247-MXC30-C-1-050521 (MXC304-E)\n\n\x0cEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nCalifornia.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this Agreement\nwithout losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are\nliable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further disclosed on\nthis Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding balance\non Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND FINANCE\nCHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement. The Visa\nCredit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft Account. Overdrafts\nare not allowed for the purpose of making loan payments, including Visa Credit Card payments, at the Credit Union, ATM\nor in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a separate agreement\nbetween You and the Credit Union. Where the terms of any other agreement between You and the Credit Union conflict\nwith the terms of this Agreement, the terms of this Agreement will control.\n24. MYREWARDS PROGRAM \xe2\x80\x93 All cash transactions including ATM withdrawals, balance transfer and cash advances,\ndo not accrue Rewards Points.\n25. ELECTRONIC FUND TRANSFERS \xe2\x80\x94 In the event a use of the Account constitutes an Electronic Fund Transfer,\nRegulation E shall govern liability for unauthorized use of such transactions.\n26. LIMITATION OF TIME TO COMMENCE ACTION \xe2\x80\x94 Any action or proceeding by you to enforce an obligation, duty or\nright arising under this Agreement or by law with respect to Your Account must be commenced within one year after the\ncause of action accrues.\n27. CONFIDENTIALITY OF ACCOUNT INFORMATION \xe2\x80\x94 You are responsible for securely maintaining Your Account\ninformation, including, but not limited to Your Account number, card number, mobile or online banking login and password,\nsecurity code, PIN, 3-digit CVV code found on the back of Your Card (\xe2\x80\x9cConfidential Account Information\xe2\x80\x9d). Wescom Central\nCredit Union will never email, text, or call You asking for Your Confidential Account Information.\n28. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint\napplicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be\nsubmitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n29. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and\nFederal law.\n30. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n31. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach covering\nsuch matters are contained in this writing, which is the complete and exclusive statement of the Agreement\nbetween Us, except as We may later agree in writing to modify it.\n32. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a comparative\nlisting of credit card rates, fees and grace periods.\n33. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request.\nThe Ohio Civil Rights Commission administers compliance with this law.\n34. 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\nloan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501,\nor by phone at 605.773.3421.\nPage 4 of 6\n10426247-MXC30-C-1-050521 (MXC304-E)\n\n\x0c35. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n36. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You and\nthe Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. 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\nagency if You fail to fulfill the terms of Your credit obligations.\n37. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS\nNOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES\nNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n10426247-MXC30-C-1-050521 (MXC304-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\n\xe2\x80\x90 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\nbelieve 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\nYou 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\nto investigate any potential 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\nalready 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- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\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\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You\nas 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\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We 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 $50 of the amount You question even if Your bill\nis 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\nfaith to correct the 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\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan 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 do not\nqualify.\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\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\n\nPage 6 of 6\n10426247-MXC30-C-1-050521 (MXC304-E)\n\n\x0c'


b'Wescom Active Visa\nApply\n\nSimply a low rate, without the rewards\nAnnual Percent Rate (APR) as low as\n\n9.15%*\n\n0% intro APR for 12 months on purchases & balance transfers\n\nAfter first 12 months, a variable rate of 9.15%-19.15% will apply.\nIntro Balance Transfer Fee\n\n$0\n\nBalance Transfer Fee(after intro period)\n\n$2 or 2%, whichever is greater maximum fee $50\nAnnual Fee\n\nNone\n\nRewards\n\nNone\n\nOne-Time Cash Back Bonus\n\nNone\nView More\n\nMyRewards Visa\nApply\n\nRewards on every purchase\nAnnual Percent Rate (APR) as low as\n\n11.15%*\n\n0% intro APR for 6 months on purchases & balance transfers\n\nAfter the first 6 months, a variable rate of 11.15%-21.15% APR will apply.\nIntro Balance Transfer Fee\n\n$0\n\n\x0cBalance Transfer Fee(after intro period)\n\n$2 or 2%, whichever is greater maximum fee $50\nAnnual Fee\n\nNone\n\nRewards\n\n1.5 points per $1 spent\n\nOne-Time $100 Cash Back Bonus\n\nEarn 10,000 bonus points (a $100 value) when you spend $2,500 within first 3 months\nView More\n\nBruin Edge Visa\nApply\n\nRewards that fuel your Bruin pride\nAnnual Percent Rate (APR) as low as\n\n13.15%*\n\n0% intro APR for 6 months on purchases & balance transfers\n\nAfter the first 6 months, a variable rate of 13.15%-23.15% will apply.\nIntro Balance Transfer Fee\n\n$0\n\nBalance Transfer Fee(after intro period)\n\n$2 or 2%, whichever is greater maximum fee $50\nAnnual Fee\n\nNone\n\nRewards\n\n1.5 points per $1 spent\n5 points per $1 spent on select UCLA Purchases1\nOne-Time $500 Cash Back Bonus\n\nEarn 50,000 bonus points (a $500 value) when you spend $2,500 within first 3 months\n\n\x0cView More\n\nBruin Choice Visa\nBuilt to help UCLA students start their credit journey with limits up to $1,000\nApply\nAnnual Percent Rate (APR) as low as\n\n13.15%*\n\n0% intro APR for 6 months on purchases & balance transfers\n\nAfter the first 6 months, a variable rate of 13.15%-23.15% will apply.\nIntro Balance Transfer Fee\n\n$0\n\nBalance Transfer Fee(after intro period)\n\n$2 or 2%, whichever is greater maximum fee $50\nAnnual Fee\n\nNone\n\nRewards\n\n1.5 points per $1 spent\n5 points per $1 spent on select UCLA Purchases2\nOne-Time $50 Cash Back Bonus\n\nEarn 5,000 bonus points (a $50 value) when you spend $500 within first 3 months\nView More\n\n*APR=Annual Percentage Rate. Rates are valid as of 07/01/2021 and subject to changes without notice. APR\nmay vary based on credit qualifications. Terms and conditions apply.\n\nTERMS AND CONDITIONS\n\nThis Account Opening Table is provided in compliance with the Federal Truth-in-Lending Act. This\nis not a complete Truth-in-Lending Disclosure, but is incorporated into Wescom Central Credit\n\n\x0cUnion\'s Credit Card Agreement and Federal Truth-In-Lending Disclosure. Effective: 07-012021\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\nMyRewards Signature/MyRewards/Secured\n0.00% Introductory APR for six months from\n\nAfter that, your APR will be 11.15% to 21.\nvary with the market based on the Prime Rate\nWescom Active\n0.00% Introductory APR for 12 months from\n\nAfter that, your APR will be 9.15% to 19.1\nwith the market based on the Prime Rate.\nBruin Edge Signature/Bruin Edge/Bruin Ch\n0.00% Introductory APR for six months from\n\nAfter that, your APR will be 13.15% to 23.\nvary with the market based on the Prime Rate\nAPR for Balance Transfers\n\nMyRewards Signature/MyRewards/Secured\n0.00% Introductory APR for six months from a\nAfter that, your APR will be 11.15% to 21.15%\nthe market based on the Prime Rate.\nWescom Active\n0.00% Introductory APR for 12 months from a\nAfter that, your APR will be 9.15% to 19.15%,\nthe market based on the Prime Rate.\nBruin Edge Signature/Bruin Edge/Bruin Ch\n0.00% Introductory APR for six months from a\nAfter that, your APR will be 13.15% to 23.15%\nthe market based on the Prime Rate.\n\nAPR for Cash Advances\n\nMyRewards Signature/MyRewards/Secured\n11.15% to 21.15%, when you open your acco\nwith the market based on the Prime Rate.\nWescom Active\n9.15% to 19.15%, when you open your accou\nwith the market based on the Prime Rate.\nBruin Edge Signature/Bruin Edge/Bruin Ch\n13.15%to 23.15%, when you open your accou\nwith the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the clo\non purchases if You pay Your entire balance b\nzero or a credit balance.\n\n\x0cFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider wh\nwebsite of the Consumer Financial Protect\nat http://www.consumerfinance.gov/learnm\n\nFees\nTransaction Fees\n\nBalance Transfer Fee: $2.00 Or 2.00% Of The Am\n(Maximum Fee: $50.00)\nCash Advance Fee: $2.00 Or 2.00% Of The Amou\nFee: $50.00)\nForeign Transaction Fee: None\n\nPenalty Fees\n\nLate Payment Fee: Up To $15.00\nReturned Payment Fee: Up To $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - MyRewards Signature, MyRewards, Bruin Edge\nSignature, Bruin Edge, Bruin Choice, and Secured:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your\naccount during the first six months following the opening of your account. Any existing balances on\nWescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR\nfor balance transfers.\nPromotional Period for Introductory APR - Wescom Active:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your\naccount during the first 12 months following the opening of your account. Any existing balances on\nWescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR\nfor balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 07-012021 This information may have changed after that date. To find out what may have changed,\ncontact the Credit Union.\nFor California Borrowers, the Secured is a secured credit card. Credit extended under this\ncredit card account is secured by various personal property and money including, but not\nlimited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have\nin any individual or joint account with the Credit Union excluding shares in an Individual\n\n\x0cRetirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings.\nOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more\ndays late in making a payment.\nBalance Transfer Fee (Finance Charge):\n$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will\nnever exceed $50.00. However, the fee will not be assessed on transactions posted during the\nPromotional Period stated on the previous page.\nCash Advance Fee (Finance Charge):\n$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will\nnever exceed $50.00.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$5.00.\nRush Fee:\n$18.00.\nStatement Copy Fee:\n\n\x0c'


b'400 W Benson Boulevard\nAnchorage, AK 99503\n800-747-1407 \xe2\x80\xa2 907-561-1407\nFax: 907-561-4005\nwww.northernskiesfcu.org\n\nCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS NORTHERN SKIES FEDERAL CREDIT UNION OR ITS SUCCESSORS.\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. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE\nCAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and\ndeposits in an Individual Retirement Account or any other account that\nwould lose special tax treatment under state or federal law if given are not\nsubject 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. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay 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; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\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 Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis 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.\n9011 LASER FPDF FI16389 Rev 7-2013\n\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\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.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer 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 on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), 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 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 (907) 561-1407 or (800) 747-1407. You agree to\nfollow up your call with notice in writing to us at: Northern Skies Federal Credit\nUnion, 400 W Benson Boulevard, Anchorage, AK 99503. You also agree to\nassist us in determining the facts, circumstances and other pertinent\ninformation relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with\nour investigation. You will be liable for any unauthorized use only if we can\nprove that you were grossly negligent in your use or handling of your Card, or\nif 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 and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS NORTHERN SKIES FEDERAL CREDIT UNION OR ITS SUCCESSORS.\n\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, 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 die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\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. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\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 information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand 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\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).\n\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 applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\n\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.\npage 2 of 3\n\n\x0cYOUR 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 write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot 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\npage 3 of 3\n\n\x0c'