b'28. Rewards. Your credit card purchases are eligible to earn rewards points that never expire\nwhile the Account is open. Full rewards terms and conditions were provided to you at Account\nopening or as they were updated and are available at our website www.purduefed.com.\n29. Skip Payment Option. At our option, we may offer you the opportunity to not make\na Minimum Payment during certain designated billing cycles (\xe2\x80\x9cSkip Payment Period\xe2\x80\x9d). If\nyou do not make your Minimum Payments as provided in this Agreement during the Skip\nPayment Period, you understand that we will continue to apply interest charges to your\nAccount. Beginning with the billing cycle following an allowed Skip Payment Period, all other\nprovisions of this Agreement will apply. We have no obligation to accept your application for\nany Skip Payment Period offered, and you authorize us to investigate your creditworthiness\nincluding obtaining consumer credit reports. We may charge you an application processing\nfee of $35 for each Skip Payment Period that we may offer to cover our costs of investigating\nyour qualifications for this extension, including but not limited to the costs associated with\nresearching your creditworthiness. You agree that we may amend the fee from time to time\nand by applying you consent to the applicable fee.\nYour Billing Rights: Keep This Document for Future Use\nThis notice contains important information about your rights and our responsibilities under\nthe 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:\nPurdue Federal Credit Union\nPO Box 1950\nWest Lafayette, IN 47996-1950\nOr email us at mbrservice@purduefed.com\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 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 you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to 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\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you\nwhy 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 delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder\nor 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 any interest or\nother 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 in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and\nthe date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout 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\nmatter 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\nyou question even if your bill is correct.\n\nPURDUE FEDERAL CREDIT UNION VISA DISCLOSURE STATEMENT\nThis table provides important information regarding your credit card account with\nPurdue Federal Credit Union.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nRates apply to purchases, balance transfers and cash advances\nVisa Traditional Rewards\n\nPLEASE RETAIN THIS INFORMATION WITH OTHER FINANCIAL DOCUMENTS.\n\n1.9% introductory APR for 12 months from date of\n\naccount opening. After that, based on your credit worthiness,\nyour APR will revert to your assigned APR of\n\nVisa Signature\n\n11.5% - 17.5%\n0% introductory APR for 12 months from date of account\n\nopening. After that, based on your credit worthiness, your\nAPR will revert to your assigned APR of\n\n11.5% - 17.5%\n\nYour Rights If You Are Dissatisfied with your Credit Card Purchases.\nIf you are dissatisfied with the good or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the the purchase. To use this right, all of the\nfollowing must be true:\n\nHow to Avoid Paying\nInterest on Purchases\n\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n\nYour due date is at least 25 days after the close of each billing\ncycle. We will not charge you any interest on purchases if you\npay your entire balance by the due date each month. We will\nbegin charging interest on cash advances, convenience checks\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Finance\nProtection Bureau\n\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n\nTo learn more about factors to consider when applying for\nor using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\n\n3. You must not yet have fully paid for the purchase.\n\nAnnual Fee\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at:\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nPurdue Federal Credit Union\nPO Box 1950\nWest Lafayette, IN 47996-1950\nOr email us at mbrservice@purduefed.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\xe2\x80\xa2 None\n\xe2\x80\xa2 None\n\xe2\x80\xa2 None - Signature\n\xe2\x80\xa2 Traditional Rewards - Up to 1% of each transaction after\nconversion to U.S. dollars\n\xe2\x80\xa2 Late Payment Fee up to $25.00\n\xe2\x80\xa2 Returned Payment Fee up to $25.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including\nnew purchases).\xe2\x80\x9d See your Cardholder Agreement for more details.\nLoss of Introductory APR: We may end your Introductory APR and apply the assigned APR\n(11.5% - 17.5% APR, depending on your creditworthiness) if you make a late payment or make a\npayment that is returned.\nBilling Rights: Information on your rights to dispute transactions and how to excercise those rights\nis provided in your Cardholder Agreement.\n\nPO Box 1950 // West Lafayette, IN 47996-1950\n765.497.3328 // 800.627.3328 // purduefed.com\n\nFederally insured by NCUA.\n\nVisa\xc2\xae Traditional Rewards\nand Signature Credit\nCardholder Agreement\n\n02/16\n\nThis Agreement covers each Visa credit card line of credit account (\xe2\x80\x9cAccount\xe2\x80\x9d) you have with\nPurdue Federal Credit Union (\xe2\x80\x9cPurdue Federal\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d). The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean each and all of those who sign an Account application and any person authorized\nto access your Account or use your credit card. \xe2\x80\x9cCard\xe2\x80\x9d means a Visa credit card and any\nduplicates and renewals we issue. By requesting, signing, using or keeping your Card and/or\nConvenience Checks, you are agreeing to all the terms and conditions of this Agreement, Visa\nApplication, Your Guide to Member Services, and the Fee Schedule, including the right to crosscollateralization and the granting of a security interest as detailed below.\n1. Using the Account. When you are approved for an Account, Purdue Federal establishes a\nline of credit for you and notifies you of your credit limit when the Card is sent to you. In order\nfor your Card to be valid, you must sign your Card as soon as you receive it. By requesting,\nsigning, using or keeping your Card and/or Convenience Checks, you accept this Agreement.\nYou agree not to let your Account balance exceed your approved credit limit. Each payment\nyou make on the Account will restore your credit limit by the amount of the payment that is\napplied to the principal balance. You may request an increase in your credit limit by submitting\nan application, which may be approved by Purdue Federal. Purdue Federal has the right to\nrestrict, increase, reduce or terminate your credit limit at any time without notice.\n2. Using the Card. You may use your Card to make purchases in person or by mail, telephone\nor internet from merchants and others who accept Visa cards. In addition you may obtain cash\nadvances from Purdue Federal, other financial institutions participating in the Visa program\nand select Automated Teller Machines (ATMs), such as Visa ATM Network, that provide access to\nthe Visa system (not all ATMs provide such access). You will need to use your Personal Identification Number (PIN) to obtain a cash advance from an ATM. We will begin charging interest on\nyour cash advance from the date of your cash advance transaction. Your card may not be used\nfor any illegal transaction, including any illegal Internet gambling transaction.\n3. Using Convenience Checks. We may supply you with convenience checks from time to\ntime. You may use these checks to draw on your available line of credit on your Account. A\nconvenience check drawn on your Account is a loan from Purdue Federal to you and will be\ntreated like a cash advance under this Agreement. We will begin charging interest on the\namount of the Convenience Check from the date of the Convenience Check transaction.\n4. Overdraft Protection. If you have requested your Account to be used to provide\nOverdraft Credit Card Protection Plan (the \xe2\x80\x9cPlan\xe2\x80\x9d) for a checking account maintained with\nPurdue Federal, funds may be transferred from your Visa Account to the checking account in\naccordance with Your Guide to Member Services governing the checking account. All funds\nwill be transferred in increments of $100 and are processed as a cash advance under this\nAgreement and treated as such. Such transfers are loans by us to you. You will owe Purdue\nFederal for the amount of such transfers plus the applicable interest. You understand that\nanyone who is authorized to make withdrawals from the checking account may access your\nVisa Account through the Plan.\n5. Responsibility. You agree to pay all charges, purchases, transfers, and cash advances\nmade from your Account by you or anyone who you authorized to use your Account. Your\nobligation to pay the amount owed on your Account continues until paid in full, even though\n\n\x0can agreement, divorce decree or other court judgment to which Purdue Federal is not a\nparty may direct someone else to pay the Account balance. If more than one person signed\nthe Application, each is individually responsible for all amounts owed on the Account and\nall are jointly responsible for all amounts owed. This means Purdue Federal can enforce this\nAgreement against any of you individually or all of you together.\n6. Making Payments. You promise to pay all amounts you owe on your Account, including\nany interest or fees. When you receive your billing statement you may pay the full amount\ndue or a lesser amount, but the least you may pay is the minimum payment amount shown\non your billing statement. Your minimum payment will be any amount that is past due, any\namount exceeding your credit limit, plus the larger of 3% of your new balance or $25 (the\n\xe2\x80\x9cMinimum Payment\xe2\x80\x9d). If we elect not to require a Minimum Payment for a month or longer\nperiod, the interest on your Account will continue to accrue at the applicable interest rate.\nPaying ahead and skipping a payment will not reduce your liability for interest charges in the\nmonth that you do not make a payment. Whatever you choose to pay, your payment must be\nreceived by us no later than the payment due date shown on your statement. All payments\nmade to us must be in U.S. dollars. Mailed payments must be addressed as directed on your\nstatement. Mailed payments received by 5:00 PM Eastern at that address will be credited the\nsame day. In some cases, available credit may be delayed until payment is verified. We will\naccept late or partial payments without forfeiting any of our rights under this Agreement.\nPayments that are marked \xe2\x80\x9cpaid in full\xe2\x80\x9d and that are of an amount less than the balance on\nyour Account, or that are marked with any other restrictive endorsements, should be sent to\n1551 Win Hentschel Blvd., West Lafayette, IN 47996, Attn: Loan Services.\n\ncash advance balances, balance transfer balances, and purchase balances. Excess payments\nover the Minimum Payment will be applied to the applicable balance with highest interest rate\nand any remaining payment to next highest interest rate in descending order.\n10. Security Interest and Statutory Lien.\na. You acknowledge and pledge, specifically as a condition of your use of the\nCard and Account, that you have voluntarily granted to Purdue Federal a security\ninterest in your shares and dividends on deposit in all your individual and joint\naccounts with Purdue Federal now and in the future. These other shares may\nbe withdrawn unless you are in default under this Agreement. If your credit\ncard Account becomes delinquent, this security interest may be used without\nfurther notice to pay all or any part of such delinquency. Shares and deposits in\nan Individual Retirement Account and any other account that would lose special\ntax treatment under state or federal law if given as security are not subject to the\nsecurity interest you give in your shares and deposits.\nb. You also acknowledge and pledge to Purdue Federal a security interest in the\ncollateral securing any other loan(s) that you have with us now and in the future,\nincluding any type of change or increase, and any proceeds from the sale of such\ncollateral and of insurance thereon, not to exceed the unpaid balance of this loan.\nThis security interest in collateral securing other loans does not apply to any loan(s)\non your primary residence.\n\n(b) Cash Advances. Interest will be charged on cash advances from the date of the transaction\nto the date paid in full. Interest accrued on cash advances will appear on your next statement.\nThere is no time period in which to pay back the cash advance to avoid interest charges.\n\n11. Default. You will be in default if a) you fail to make any Minimum Payment or other\nrequired payment by the date it is due; b) you violate any terms of this Agreement or fail to\nperform any of your obligations under this Agreement; c) your ability to repay is materially\nreduced by a change in your employment, by an increase in your obligations, by bankruptcy\nor insolvency proceedings involving you, or by your death or incapacity; d) you make any false\nor misleading statements in any credit applications or credit update; e) Purdue Federal, in its\nsole discretion, feels insecure and has a good faith belief that your ability to repay is impaired\nor you use your Account in a manner that may expose Purdue Federal to a risk of loss; or f) you\nuse or authorize the use of your Card to make or facilitate any illegal transaction. When you\nare in default, Purdue Federal has the right to close your Account to future purchases, cash\nadvances, and balance transfers, to cancel or inactivate your Card, and to demand immediate\npayment of your entire Account balance (after giving you any notice and opportunity to\ncure the default if required by applicable law). If immediate payment is demanded, you will\ncontinue to pay interest at the periodic rate charged before default, until what you owe has\nbeen paid and any collateral given as security will be applied toward what you owe or sold\npursuant to law. To the extent permitted by law, you will also be required to pay Purdue\nFederal\xe2\x80\x99s collection expenses, including court costs and reasonable attorneys\xe2\x80\x99 fees.\n\n(c) Balance Transfers. Balance transfers will be processed as cash advances and interest will\nbe charged from the date of the transaction to the date paid in full. Interest accrued on\nbalance transfers will appear on your next statement. There is no time period in which to pay\nthe balance transfer to avoid interest charges. We are not responsible for late payment or\nnonpayment of balances with other card issuers.\n\n12. Liability for Unauthorized Use. Your Purdue Federal Visa offers \xe2\x80\x9czero liability\xe2\x80\x9d for\nunauthorized use. To obtain the \xe2\x80\x9czero liability\xe2\x80\x9d status you must report any unauthorized use of\nyour Account immediately. If you notice the loss or theft of your Card or possible unauthorized\nuse of your Card or Account, you should notify us immediately by calling 800.627.3328, email\nus at mbrservice@purduefed.com or write to PO Box 1950, West Lafayette, IN 47996-1950.\n\n8. Monthly Payment. Each month you must pay at least the Minimum Payment shown on\nyour statement by the date specified on your statement. You may pay more frequently, pay\nmore than the Minimum Payment, or pay your balance in full. If you make extra payments or\nlarger payments, you are still required to make at least the Minimum Payment each month\nyour Account has a balance.\n\n13. Use of Card for Illegal or Risky Transactions. It is your responsibility to comply with\nall laws when using your Card and Account. You agree to hold us harmless for any damages\nor other liability arising from a transaction initiated by you or your authorized user for the\npurpose of conducting an illegal activity. We reserve the right to decline the authorization\nof transactions for activities we believe may violate law or pose significant risk to us or our\nmembers.\n\n7. Interest Charges. Interest charges for purchases, balance transfers, and cash advances\nare determined by applying the applicable periodic rate to the separate average daily balance\nfor each category of purchases, balance transfers, and cash advances. Each average daily\nbalance is determined by taking the beginning balance (of cash advances, balance transfers,\nor purchases) in your Account each day, adding any new purchases, balance transfers, or cash\nadvances and subtracting any payments,credits, and unpaid interest charges and fees. The\nresults are the average daily balances for each category. We then add together all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle to\nget to the average daily balance for each category. If a grace period applies:\n(a) Purchases. Interest will be charged on a purchase posted during a billing cycle when the\nentire balance is not paid in full by the due date of that statement. Your due date is at least 25\ndays after the close of each billing cycle.\n\n9. Payment Allocation. Subject to applicable law, your Minimum Payment will be applied to\nwhat you owe Purdue Federal in the following order: interest, fees, promotional rate balances,\n\n14. Changing or Terminating Your Account. Purdue Federal may change the terms of this\n\nAgreement from time to time after giving you advance notice as required by law. Your use\nof the Card after receiving notice of a change will indicate your agreement to the change. To\nthe extent the law permits, and indicated in the notice to you, the change will apply to your\nexisting Account balance as well as to future transactions. Either you or Purdue Federal may\nterminate this Agreement at any time, but termination by you or Purdue Federal will not affect\nyour obligation to pay the Account balance plus any interest, fees and other charges you owe\nunder this Agreement. The Cards you receive remain the property of Purdue Federal and you\nmust recover and surrender to Purdue Federal all Cards upon request or upon termination\nof this Agreement whether by you or Purdue Federal. If you choose not to accept any future\nchange of these terms, your credit limit will be removed and your Minimum Payment will be\ncalculated based on a five-year amortization schedule. To opt out of a future change to these\nterns, Purdue Federal requires written notice by electronic mail to mbrservice@purduefed.com\nor by postal mail to PO Box 1950, West Lafayette, IN 47996-1950.\n15. Consumer Reporting Agencies. Purdue Federal may report information about your\nAccounts to credit bureaus. Late payments, missed payments, or other defaults on your\nAccount may be reflected in your credit report. We may also access your credit report for any\npermissible purpose under the Fair Credit Reporting Act, including periodic reviews of your\ncreditworthiness, collections, and future credit line increases.\n16. Returns and Adjustments. Merchants and others who honor the Card may give credit\nfor returns or adjustments, and they will do so by sending Purdue Federal an electronic\ncredit, which will be posted to your Account. If your credits and payments exceed what you\nowe Purdue Federal, the amount will be credited to your Account. Any credits exceeding your\nbalance will be transferred to your savings account within 30 days.\n17. Foreign Transactions. Purchases and cash advances made in foreign countries and\nforeign currencies will be billed to you in U.S. dollars. The conversion rate to U.S. dollars will be\nmade in accordance with the operating regulations for international transactions established\nby Visa U.S.A. The conversion rate to U.S. dollars will be a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable central processing date,\nwhich may vary from the rate Visa itself receives, or the government-mandated rate in effect\nfor the applicable central processing date, in each instance,. Traditional Card holders will be\ncharged an International Service Assessment (ISA) fee, up to 1% of the foreign transaction\namount based on whether the transaction is processed in U.S. dollars or converted to U.S.\ndollars. All transactions, including online transactions, that may have been originated by the\ncardholder in the U.S., but are processed by a foreign merchant are subject to this fee. You may\nnot receive prior notification from the merchant that your transaction is processed overseas.\nThe ISA fee is waived for Signature Card holders.\n18. Merchant Disputes. Purdue Federal is not responsible for the refusal of any merchant or\nfinancial institution to honor the Card.\n19. Effect of Agreement. This Agreement is the contract that applies to all transactions\non your Account even though the sales, cash advances, credit or other slips you sign or\nreceive may contain different terms. You agree to all the terms and charges contained in this\nAgreement.\n20. No Waiver. Purdue Federal can delay enforcing any of its rights any number of times\nwithout losing these rights.\n21. Statements and Notices. You will receive a statement each month showing transactions\non your Account. Statements and notices will be mailed to you at your physical address\nor posted to Online Banking if you have enrolled in electronic statements. Enrollment in\nelectronic statements for your primary share savings account applies to this Account.. Notice\nsent to any one of you will be considered a notice to all. You consent to your Credit Card\n\nAccount statement being included in the mailing of the primary share savings\naccount statement even if all owners on the primary savings are not signers on\nthis loan or authorized users of the Card. Statements may not be generated when there\nare no transactions on the Account in that month. It is your responsibility to notify Purdue\nFederal upon a change of address\xe2\x80\x94electronic mail or postal mail. You understand and agree\nthat statements are made available to you on the date they are mailed to you or the date on\nwhich email notification advising that your statement is available is sent. If you fail to receive\na statement you agree to notify us within fourteen (14) days of the time you regularly receive\na statement.\n22. Other Fees. Fees that apply will be added to your Account on the monthly statement for\nthe billing cycle in which they are incurred, as follows:\na) Late Payment Fee\xe2\x80\x93 A late fee in the amount of $25 or the Minimum Payment due rounded\nto the whole dollar, whichever is less, will be charged if we do not receive your minimum\npayment on or before the payment due date as noted on your statement.\nb) Returned Payment Fee \xe2\x80\x93 A fee up to $25 will be charged if you (i) make a payment on your\nAccount with a check, draft, negotiable order of withdrawal, ACH, external transfer, or similar\npayment drawn on a depository institution and such payment is not paid or is dishonored by\nthat financial institution, or (ii) issue a Convenience Check which causes you to exceed your\napproved credit limit.\nc) Statement Copy \xe2\x80\x93 A $5 fee will be charged for any copy of a statement that you request\nfrom Purdue Federal. For a copy of an original sales slip requested from Visa, you will be\ncharged their applicable fee.\nThe charges and Fees will be treated by Purdue Federal as an adjustment to the Account\nbalance and will not be subject to an interest charges; however, we may choose to waive any\nof the interest charges or fees described in this Agreement or the Fee Schedule from time to\ntime.\n23. Savings Account Required. All Purdue Federal Account owners must have an open\nsavings account with a $5.00 minimum balance. If you do not have a savings account, one will\nbe opened for you at the time of your credit card application approval. If your balance is less\nthan $5.00, your Card may be charged with a purchase transaction to bring your balance to the\nminimum.\n24. Personal Identification Number (PIN). Upon request we will furnish you with a\nPersonal Identification Number (PIN). You agree to keep the PIN confidential. You also agree\nthat use of the PIN and Card to obtain a cash advance or make a purchase constitutes your\nsignature for purposes of such transactions.\n25. How We May Contact You. You expressly agree that to service your Account or to collect\nany amounts you may owe Purdue Federal, we or authorized parties may call you and send\ntext messages to you. We may use pre-recorded/artificial voice messages or an automatic\ndialing device to contact you at any telephone number associated with your account, including\nmobile telephone numbers, all of which could result in charges to you. You also expressly\nconsent that we may send email messages regarding your Account to any email address that\nyou have provided to us.\n26. Optional Insurance. We may have offered credit life, accident, health, or loss-of income\ninsurance at the time you applied for your Account. This insurance is not required to have an\nAccount or Card with us.\n27. Inactive Accounts. Accounts with expired Cards that have no activity for a period of 24\nmonths will be closed. Any rewards points accrued with this Card or Account will expire when\nthe Account is closed.\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nSLFCU VISA PLATINUM VALUE/SLFCU VISA\nPLATINUM REBATE/SLFCU VISA SIGNATURE\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this 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\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Sandia Laboratory Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and\n\xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account"\nmeans the line of credit established by this Agreement and includes Your Card.\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.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot 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.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, 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\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n13002150-MXC30-P-1-082817 (MXC302-E)\n\n\x0crequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges 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 $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then 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\ndate the payment is posted or the Credit 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\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout 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 purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment 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\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure 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\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber 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\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. 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 central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n\nPage 2 of 6\n13002150-MXC30-P-1-082817 (MXC302-E)\n\n\x0cA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign 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\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges.\n10. 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\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement 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\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94\nSLFCU Visa Platinum Value, SLFCU Visa Platinum Rebate - 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 P.O. Box 31281, Tampa, FL, 33631-3281\nor call Us at (800) 449-7728 or (727) 571-2200 (International Call Collect), seven days a week 24 hours a day.\nSLFCU Visa Signature - If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card,\nYou should write to Us immediately at P.O. Box 31281, Tampa, FL, 33631-3281 or call Us at (855) 648-2863 or (410)\n902-8012 (International Call Collect), 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\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this 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\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards 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\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nPage 3 of 6\n13002150-MXC30-P-1-082817 (MXC302-E)\n\n\x0cclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue 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\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account 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\nthe entire 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\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable 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.\nEven 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\nNew Mexico.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without 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\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this 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\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n24. 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\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to 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\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand 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\nCard Account pursuant to 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\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\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement 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,\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\nPage 4 of 6\n13002150-MXC30-P-1-082817 (MXC302-E)\n\n\x0cresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission 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\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 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\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.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n13002150-MXC30-P-1-082817 (MXC302-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- 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\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport 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\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\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\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 or with a\ncheck 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 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.\nPage 6 of 6\n13002150-MXC30-P-1-082817 (MXC302-E)\n\n\x0c'