b'VISA\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, "Agreement" means this Consumer Credit Card Agreement. "Disclosure" means the\nCredit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this\nConsumer Credit Card Agreement and is part of the Agreement. In this Agreement the words "you,"\n"your," and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means\nthe Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you;\n"account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit Union"\nmeans the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union\ntransfers this Agreement.\n1. USING YOUR ACCOUNT - If you are approved for an account, the Credit Union will establish a line of\ncredit for you. You agree that your credit limit is the maximum amount (purchases, cash advances,\nfinance charges, plus "other charges") which you will have outstanding on your account at any time.\nUnless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit\nUnion has a program whereby it allows payment of advances that exceed your credit limit, subject to a\nfee, the Credit Union will provide you with notice, either orally, in writing, or electronically\n(notwithstanding the requirements of the paragraph entitled "Statements and Notices") explaining your\nright to opt in to the Credit Union\'s program whereby it will honor advance requests over the credit limit.\nIn the event you opt in to such a program, you agree to the terms of such a program. You may request an\nincrease in your credit limit only by a method acceptable to the Credit Union. The Credit Union may\nincrease or decrease your credit limit, refuse to make an advance and/or terminate your account at any\ntime for any reason not prohibited by law. If you are permitted to obtain cash advances on your account,\nwe may, from time to time, issue convenience checks to you that may be drawn on your account.\nConvenience checks may not be used to make a payment on your account balance. If you use a\nconvenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to\npay a convenience check drawn on your account for any reason and such refusal shall not constitute\nwrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to\npay any fee imposed to stop a payment on a convenience check issued on your account. You may make a\nstop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in\nadvance of the presentment of the check for payment to give us a reasonable opportunity to act on your\nrequest. In addition, your request must accurately describe the check including the exact account number,\nthe payee, any check number that may be applicable, and the exact amount of the check. If permitted,\nyou may make a stop payment request orally but such a request will expire after 14 days unless you\nconfirm your request in writing within that time. Written stop payment orders are effective only for six (6)\nmonths and may be renewed for additional six month periods by requesting in writing that the stop\npayment order be renewed. We are not required to notify you when a stop payment order expires. If we\nre-credit your account after paying a check or draft over a valid and timely stop payment order, you agree\nto sign a statement describing the dispute with the payee, to assign to us all of your rights against the\npayee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify\nand hold us harmless from all costs and expenses, including attorney\'s fees, damages, or claims, related\nto 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.\n2. USING YOUR CARD - You understand that the use of your credit card will constitute acknowledgement\nof receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who\naccept your card. The credit union is not responsible for the refusal of any merchant or financial institution\nto honor your card. If you wish to pay for goods or services over the Internet, you may be required to\nprovide card number security information before you will be permitted to complete the transaction. In\naddition, you may obtain cash advances from the Credit Union, from other financial institutions that\naccept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If\nthe credit union authorizes ATM transactions with your card, it will issue you a personal identification\nnumber (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with\nyour card. You agree that you will not use your card for any transaction that is illegal under applicable\nfederal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for\nall amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash\nadvances on your account, you may also use your card to purchase instruments and engage in\ntransactions that we consider the equivalent of cash. Such transactions will be posted to your account as\ncash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any\ntransaction that is illegal.\n3. PROMISE TO PAY - You promise to pay all charges (purchases, cash advances, balance transfers, use\nof convenience checks or any other charge) made to your account by you or anyone you authorize to use\nyour account. You also promise to pay all finance charges and other charges added to your account under\nthe terms of this Agreement or another agreement you made with the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS also applies to your account.\nCUNA MUTUAL GROUP, 1991. 2006, 09, ALL RIGHTS RESERVED\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c4. PERIODIC RATES - The periodic rates applicable to purchases, cash advances, and balance transfers\nare disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed\nfor failing to make a payment by the payment due date is also disclosed on the Disclosure. Any rate\nchange will be made pursuant to applicable law. If the rate for your account is variable, as indicated on\nthe accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any\npenalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial\nrate on your account for certain types of transactions may be an introductory discounted rate\n(Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on\nthe Disclosure accompanying this Agreement. After the Introductory Rate period expires, the periodic rate\nwill automatically increase to the rates that would ordinarily apply for that type of transaction based on\nthe terms of this Agreement.\n5. FINANCE CHARGES - New purchases posted to your account during a billing cycle will not incur a\nfinance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing\ncycle, or you paid the entire new balance on the previous cycle\'s billing statement by the payment due\ndate of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your\naccount. To avoid an additional finance charge on the balance of purchases, you must pay the entire new\nbalance on the billing statement by the payment due date of that statement. A finance charge begins to\naccrue on cash advances from the date you get the cash advance or from the first day of the billing cycle\nin which the cash advance is posted to your account, whichever is later.\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance\ncharge is computed by applying the periodic rate to the average daily balance of purchases. To get the\naverage daily balance of purchases, we take the beginning outstanding balance of purchases each day,\nadd any new purchases, and subtract any payments and/or credits. This gives us the daily balance of\npurchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the\ntotal by the number of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily\nbalance of cash advances. To get the average daily balance of cash advances, we take the beginning\noutstanding balance of cash advances each day, add in any new cash advances, and subtract any\npayments and/or credits that we apply to the cash advance balance. This gives us the daily balance of\ncash advances. Then, we add all the daily balances of cash advances for the billing cycle together and\ndivide the total by the number of days in the billing cycle. This gives us the average daily balance of cash\nadvances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be debited\nfrom your account in U.S. dollars. The exchange rate between the transaction currency and the billing\ncurrency used for processing international transactions is a rate selected by Visa from a range of rates\navailable in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Visa itself receives or the government-mandated rate in effect for the applicable central\nprocessing date. The exchange rate used on the processing date may differ from the rate that would have\nbeen used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign\ntransactions, including purchases, cash advances and credits to your account. A fee (finance charge),\ncalculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases,\ncash advances and credits to your account. A foreign transaction is any transaction that you complete or\na merchant completes on your card outside of the United States, with the exception of U.S. military\nbases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\n7. FEES - In addition to the periodic rate, the following additional fees may be imposed on your account.\nIf applicable to your account, the fee amounts and explanations are disclosed on the Disclosure\naccompanying this Agreement. Your account may also be subject to additional fees as set forth on the\nDisclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon\nthe issuance of your card. Each year following, the annual fee will be charged to your account during the\nsame month that you were first charged the fee. The fee will be charged each year until your account is\nclosed and paid in full.\nb. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each\nadditional card issued to you at account opening.\nc. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee\n(finance charge), a fee may be charged to your account for transactions made outside of the United States\nor in a foreign currency.\nd. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the\nstatement Payment Due Date set forth on the Disclosure accompanying this Agreement.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0ce. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit\nlimit, we may charge you a fee as allowed by law. However, in no case will we impose an over-the-limit\nfee except in the next two billing cycles unless you have obtained an additional extension of credit in\nexcess of such credit limit during each subsequent cycle or you have reduced the balance below the\ncredit limit as of the end of each bill cycle.\nf. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged\nto your account when a payment is returned to you for any reason.\ng. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by\napplicable law and when the request is made in connection with a billing error made by the Credit Union,\na fee may be charged to your account for each copy of a sales draft or statement that you request.\nh. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by\napplicable law, a fee may be charged to your account for each copy of a sales draft or statement that you\nrequest (except when the request is made in connection with a billing error made by the Credit Union).\ni. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be\ncharged to your account for each rush card that you request, providing delivery of the card is also\navailable by standard mail service, without paying a fee for delivery.\nj. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee,\na fee will be charged to your account for each emergency replacement card that is issued to you.\nk. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for\neach replacement card that is issued to you for any reason.\n8. PAYMENTS - Each month you must pay at least the minimum payment shown on your statement by\nthe date specified on the statement. You may pay more frequently, pay more than the minimum payment\nor pay the total new balance in full. If you make extra or larger payments, you are still required to make at\nleast the minimum payment each month your account has a balance (other than a credit balance). The\nminimum payment is 3.00% of your total new balance, or $20.00, whichever is greater, plus the amount\nof any prior minimum payments that you have not made, and any amount you are over your credit limit.\nIn addition to the minimum payment, you must also pay, by the date specified above, the amount of any\nprior minimum payment(s) that you have not made, all outstanding unpaid fees and charges, and any\namount you are over your credit limit. The Credit Union also has the right to demand immediate payment\nof any amount by which you are over your credit limit.\n9. PAYMENT ALLOCATION - Subject to applicable law, your payments may be applied to what you owe\nthe Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make\na payment in excess of the required minimum periodic payment, the Credit Union will allocate the excess\namount first to the balance with the highest annual percentage rate and any remaining portion to the\nother balances in descending order based on applicable annual percentage rate.\n10. SECURITY INTEREST - You grant the Credit Union a security interest under the Uniform Commercial\nCode and under any common law rights the Credit Union may have in any goods you purchase. If you\ngive the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged\nshares will secure your account. You may not withdraw amounts that have been specifically pledged to\nsecure your account until the Credit Union agrees to release all or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit\nUnion, except for shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law if given as security. These other shares may be\nwithdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the\nbalance in your individual or joint share accounts to pay any amounts due on your Account if you\nshould default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a\ndwelling will never be considered as security for this account, notwithstanding anything to the contrary in\nany other agreement.\n11. DEFAULT - You will be in default if you fail to make any minimum payment or other required\npayment by the date that it is due. You will be in default if you break any promise you make under this\nAgreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to\npay your obligations when they become due. You will be in default if you make any false or misleading\nstatements in any credit application or credit update. You will also be in default if something happens that\nthe Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full\naccount balance without giving you notice. If immediate payment is demanded, you agree to continue\npaying finance charges at the periodic rate charged before default, until what you owe has been paid, and\nany shares that were given as security for your account may be applied towards what you owe.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - You agree to notify us\nimmediately, orally or in writing, at PO Box 208005, Stockton, CA 95208-9005 or telephone\n209-948-6024 Ext. 50197 Monday through Thursday 9:00 a.m. to 4:30 p.m., 209-948-6024 Ext.\n50197 Friday 9:00 a.m. to 5:30 p.m. or 800-453-4270 after business hours, weekends, and holidays, of\nthe loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of\nyour credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss,\ntheft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your\ncredit card, unless you are grossly negligent in the handling of your card. In any case, your liability will\nnot exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law, the Credit Union may change\nthe terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be\ngiven in accordance with applicable law. If permitted by law and specified in the notice to you, the\nchange will apply to your existing account balance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the\nCredit Union will not affect your obligation to pay the account balance plus any finance and other\ncharges you owe under this Agreement. Your obligation to pay the account balance plus any finance and\nother charges you owe under this agreement are subject to all applicable laws and regulations regarding\nrepayment requirements. You are also responsible for all transactions made to your account after\ntermination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and\nsurrender to the Credit Union all cards upon request or upon termination of this Agreement whether by\nyou or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement\nalso applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS - Upon your request, we may issue additional\ncards for authorized users that you designate. You must notify us in writing of any termination of an\nauthorized user\'s right to access your account. Your letter must include the name of the authorized user\nand your account number and/or any subaccount number issued to the authorized user along with the\nauthorized user\'s card and any convenience or other access checks issued to the authorized user. If you\ncannot return the authorized user\'s card or access checks and if you request your account to be closed,\nwe will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION - You authorize the Credit Union to investigate\nyour credit standing when opening or reviewing your account. You authorize the Credit Union to disclose\ninformation regarding your account to credit bureaus and creditors who inquire about your credit\nstanding. If your account is eligible for emergency cash and/or emergency card replacement services, and\nyou request such services, you agree that we may provide personal information about you and your\naccount that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS - Merchants and others who honor your card may give credit for\nreturns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted\nto your account. If your credits and payments exceed what you owe the Credit Union, the amount will be\napplied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will\nbe refunded upon your written request or automatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS - The Credit Union may from time to time offer\nadditional services to your account, such as travel accident insurance, at no additional cost to you. You\nunderstand that the Credit Union is not obligated to offer such services and may withdraw or change\nthem at any time.\n18. MERCHANT DISPUTES - The Credit Union is not responsible for the refusal of any merchant or\nfinancial institution to honor your card. The Credit Union is subject to claims and defenses (other than\ntort claims) arising out of goods or services you purchase with the card if you have made a good faith\nattempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your\npurchase was made in response to an advertisement the Credit Union sent or participated in sending to\nyou; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your\nhome.\n19. JOINT ACCOUNTS - If this is a joint account, each of you will be individually and jointly responsible\nfor paying all amounts owed under this Agreement. This means that the Credit Union can require any one\nof you individually to repay the entire amount owed under this Agreement. Each of you authorizes the\nother(s) to make purchases or cash advances individually. Any one of you may terminate the account and\nthe termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your\naccount even though the sales, cash advances, credit or other slips you sign or receive may contain\ndifferent terms.\n21. NO WAIVER - The Credit Union can delay enforcing any of its rights any number of times without\nlosing them.\n22. STATEMENTS AND NOTICES - Statements and notices will be mailed to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c23. SEVERABILITY AND FINAL EXPRESSION - This Agreement and the Disclosure are the final expression\nof the terms and conditions of your account. This written Agreement and Disclosure may not be\ncontradicted by evidence of any alleged oral agreement. Should any part of this Agreement or the\nDisclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall\nremain in effect and fully enforceable to the fullest extent possible under this Agreement.\n24. COPY RECEIVED - You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED - You may not use your card to initiate any type\nof electronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES - If applicable to your account, all rates for your account, including\nthe rates for purchases, cash advances, and balance transfers, will increase to the Penalty Rate shown on\nthe Disclosure accompanying this Agreement when you meet one or more of the conditions as set forth in\nthe Disclosure. Any rate increases applied to your account are subject to applicable notice requirements.\nPlease refer to the Disclosure for additional information regarding the Penalty Rate.\n27. NOTICE TO UTAH BORROWERS - This written agreement is a final expression of the agreement\nbetween you and the Credit Union. This written agreement may not be contradicted by evidence of any\noral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR SIGNATURE\nON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE\nBORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n29. NOTICE TO ALABAMA BORROWERS - CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY\nREAD THIS AGREEMENT BEFORE YOU SIGN IT.\nYour 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:\nFinancial Center Credit Union\nPO Box 208005\nStockton, CA 95208-9005\nYou may also contact us on the Web: www.fccuburt.org\nIn your letter, give us the following information:\n-\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription 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.\n\nYou must contact us:\n-\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\n\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we\nare not required 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 also\ntell 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 why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n-\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest\non that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\nWe can apply any unpaid amount against your credit limit.\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cAfter we finish our investigation, one of two things will happen:\n-\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from\nan ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or\nelectronically] at:\nFinancial Center Credit Union\nPO Box 208005\nStockton, CA 95208-9005\nwww.fccuburt.org\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may\nreport you as delinquent.\nNOTICE OF NEGATIVE INFORMATION - Federal law requires us to provide the following notice to\nmembers before any "negative information" may be furnished to a nationwide consumer reporting agency.\nWe may report information about your account to credit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your credit report.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cVISA\nCONSUMER CREDIT CARD AGREEMENT\nEs este Contrato, la palabra "Contrato" se refiere a este Contrato de tarjeta de cr\xc3\xa9dito para consumidores.\nLa palabra "Declaraci\xc3\xb3n" se refiere a la Declaraci\xc3\xb3n de apertura de una cuenta de tarjeta de cr\xc3\xa9dito. La\nDeclaraci\xc3\xb3n de apertura de cuenta se incorpora a este Contrato de tarjeta de cr\xc3\xa9dito para consumidores y\nconstituye parte del Contrato. En este Contrato, las palabras "usted", "su(s)", "suyo(s)" y "suya(s)" hacen\nreferencia a todos y cada uno de los que acuerdan estar obligados por este Contrato; la palabra "tarjeta"\nse refiere a la tarjeta de cr\xc3\xa9dito VISA y a toda renovaci\xc3\xb3n, duplicado o reemplazo que la Cooperativa de\nAhorro y Cr\xc3\xa9dito le emita; la palabra "cuenta" se refiere a su cuenta de l\xc3\xadnea de cr\xc3\xa9dito de la tarjeta VISA\ncon la Cooperativa de Ahorro y Cr\xc3\xa9dito; y la expresi\xc3\xb3n "Cooperativa de Ahorro y Cr\xc3\xa9dito" se refiere a la\nCooperativa de Ahorro y Cr\xc3\xa9dito cuyo nombre consta en este Contrato o a cualquiera a quien la\nCooperativa de Ahorro y Cr\xc3\xa9dito le transfiera este Contrato.\n1. UTILIZACI\xc3\x93N DE SU CUENTA. Si lo aprueban como titular de una cuenta, la Cooperativa de Ahorro y\nCr\xc3\xa9dito establecer\xc3\xa1 una l\xc3\xadnea de cr\xc3\xa9dito para usted. Usted acuerda que su l\xc3\xadmite de cr\xc3\xa9dito es la cantidad\nm\xc3\xa1xima que tendr\xc3\xa1 pendiente de pago en cualquier momento (por compras, anticipos en efectivo, cargos\npor financiaci\xc3\xb3n, m\xc3\xa1s "otros cargos"). A menos que se indique lo contrario, la Cooperativa de Ahorro y\nCr\xc3\xa9dito no permitir\xc3\xa1 anticipos que excedan el l\xc3\xadmite de cr\xc3\xa9dito. Si la Cooperativa de Ahorro y Cr\xc3\xa9dito tiene\nun programa que permita el pago de anticipos que excedan su l\xc3\xadmite de cr\xc3\xa9dito, sujeto a cargos, la\nCooperativa de Ahorro y Cr\xc3\xa9dito le enviar\xc3\xa1 una notificaci\xc3\xb3n, ya sea en forma oral, por escrito o por v\xc3\xada\nelectr\xc3\xb3nica (independientemente de los requisitos del p\xc3\xa1rrafo titulado "Estados de cuenta y notificaciones")\nque explicar\xc3\xa1 su derecho a la inclusi\xc3\xb3n voluntaria en el programa de la Cooperativa de Ahorro y Cr\xc3\xa9dito\nmediante el cual se aceptar\xc3\xa1n anticipos que excedan el l\xc3\xadmite de cr\xc3\xa9dito. En el caso de que usted acepte\nsu inclusi\xc3\xb3n voluntaria en dicho programa, usted acepta los t\xc3\xa9rminos de dicho programa. S\xc3\xb3lo puede\nsolicitar un incremento en su l\xc3\xadmite de cr\xc3\xa9dito a trav\xc3\xa9s de un m\xc3\xa9todo que sea aceptable para la\nCooperativa de Ahorro y Cr\xc3\xa9dito. La Cooperativa de Ahorro y Cr\xc3\xa9dito puede aumentar o reducir su l\xc3\xadmite\nde cr\xc3\xa9dito, rehusarse a dar un anticipo y/o cancelar su cuenta en cualquier momento por cualquier raz\xc3\xb3n\nque no est\xc3\xa9 prohibida por la ley. Si se le permite obtener anticipos en efectivo en su cuenta, podemos,\nperi\xc3\xb3dicamente, emitirle cheques de conveniencia que pueden librarse a cargo de su cuenta. Los cheques\nde conveniencia no pueden usarse para pagar el saldo de su cuenta. Si usa un cheque de conveniencia, se\nasentar\xc3\xa1 en su cuenta como un anticipo en efectivo. Nos reservamos el derecho a rehusarnos a pagar un\ncheque de conveniencia librado a cargo de su cuenta por cualquier motivo, y esto no se considerar\xc3\xa1 un\nrechazo improcedente.\nUsted puede solicitar que suspendamos el pago de un cheque de conveniencia librado a cargo de su\ncuenta. Usted acepta pagar todos los cargos impuestos por la suspensi\xc3\xb3n del pago de un cheque de\nconveniencia emitido a cargo de su cuenta. Puede solicitar la suspensi\xc3\xb3n de pago en forma oral, si est\xc3\xa1\npermitido, o por escrito. Su solicitud debe hacerse con suficiente anticipaci\xc3\xb3n a la fecha de presentaci\xc3\xb3n\ndel cheque para su pago, de modo que nos brinde una oportunidad razonable para actuar conforme a su\nsolicitud. Adem\xc3\xa1s, su solicitud debe describir en forma precisa el cheque, e incluir el n\xc3\xbamero exacto de\ncuenta, el beneficiario, todo n\xc3\xbamero del cheque que pueda ser pertinente y el monto exacto del cheque. Si\nest\xc3\xa1 permitido, puede presentar una solicitud de suspensi\xc3\xb3n de pago en forma oral, pero tal solicitud\ncaduca al cabo de 14 d\xc3\xadas, salvo que la confirme por escrito dentro de dicho lapso. Las \xc3\xb3rdenes escritas\nde suspensi\xc3\xb3n de pago est\xc3\xa1n vigentes s\xc3\xb3lo durante seis (6) meses y pueden renovarse por un per\xc3\xadodo\nadicional de seis (6) meses solicitando por escrito que se renueve la orden de suspensi\xc3\xb3n de pago. No\nestamos obligados a notificarle cuando una orden de suspensi\xc3\xb3n de pago vence. Si volvemos a acreditar\nsu cuenta despu\xc3\xa9s de pagar un cheque o giro conforme a una orden de suspensi\xc3\xb3n de pago v\xc3\xa1lida y\npresentada oportunamente, usted acuerda firmar una declaraci\xc3\xb3n que describa el conflicto con el\nbeneficiario, transferirnos todos sus derechos contra el beneficiario u otros tenedores del cheque o giro y\ncolaborar con nosotros en toda acci\xc3\xb3n legal. Usted acuerda indemnizarnos y eximirnos de todo costo y\ngasto, tales como honorarios de abogados, da\xc3\xb1os y perjuicios o reclamos, relacionados con nuestra\naceptaci\xc3\xb3n de su solicitud de suspensi\xc3\xb3n de pago o con no cumplir con la suspensi\xc3\xb3n de pago de un \xc3\xadtem\ncomo consecuencia de que usted nos haya suministrado informaci\xc3\xb3n incorrecta o de que usted no nos\nhaya dado tiempo suficiente para cumplir con una solicitud de suspensi\xc3\xb3n de pago.\n2. UTILIZACI\xc3\x93N DE SU TARJETA. Usted comprende que el uso de su tarjeta de cr\xc3\xa9dito implicar\xc3\xa1 el\nreconocimiento de que usted la ha recibido y su aceptaci\xc3\xb3n de los t\xc3\xa9rminos del Contrato de tarjeta de\ncr\xc3\xa9dito y de la Declaraci\xc3\xb3n de apertura de una cuenta de tarjeta de cr\xc3\xa9dito (Declaraci\xc3\xb3n). Usted puede\nutilizar su tarjeta para realizar compras a comerciantes y a otras personas que acepten su tarjeta. La\nCooperativa de Ahorro y Cr\xc3\xa9dito no es responsable de la negativa de comerciantes o instituciones\nfinancieras a aceptar su tarjeta. Si desea pagar bienes o servicios por Internet, se le podr\xc3\xa1 solicitar\ninformaci\xc3\xb3n de seguridad acerca del n\xc3\xbamero de su tarjeta antes de que se le permita completar la\ntransacci\xc3\xb3n. Asimismo, puede obtener anticipos en efectivo de la Cooperativa de Ahorro y Cr\xc3\xa9dito, y de\notras instituciones financieras que acepten su tarjeta y tambi\xc3\xa9n de algunos cajeros autom\xc3\xa1ticos (ATM, por\nsus siglas en ingl\xc3\xa9s). (No todos los cajeros autom\xc3\xa1ticos aceptan su tarjeta). Si la Cooperativa de Ahorro y\nCr\xc3\xa9dito autoriza transacciones en cajeros autom\xc3\xa1ticos con su tarjeta, le emitir\xc3\xa1 un n\xc3\xbamero de\nidentificaci\xc3\xb3n personal (PIN, por sus siglas en ingl\xc3\xa9s). Para obtener anticipos en efectivo de un cajero\nautom\xc3\xa1tico, usted debe utilizar el PIN que se le entreg\xc3\xb3 para que utilizara con su tarjeta. Usted acuerda\nque no utilizar\xc3\xa1 su tarjeta para ninguna transacci\xc3\xb3n ilegal seg\xc3\xban lo establecido por las leyes locales,\nCUNA MUTUAL GROUP, 1991. 2006, 09, TODOS LOS DERECHOS RESERVADOS\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cestatales y federales. Incluso si utiliza su tarjeta para una transacci\xc3\xb3n ilegal, usted ser\xc3\xa1 responsable de\ntodos los montos y cargos en los que se haya incurrido en relaci\xc3\xb3n con la transacci\xc3\xb3n. Si se le permite\nobtener anticipos en efectivo en su cuenta, tambi\xc3\xa9n puede usar su tarjeta para comprar instrumentos y\nhacer transacciones que consideremos equivalentes a efectivo. Tales transacciones se asentar\xc3\xa1n en su\ncuenta como anticipos en efectivo e incluyen, entre otros, transferencias, giros telegr\xc3\xa1ficos, apuestas,\nboletos de loter\xc3\xada y fichas de casino seg\xc3\xban corresponda. No debe interpretarse que este p\xc3\xa1rrafo permite\nni autoriza ninguna transacci\xc3\xb3n que sea ilegal.\n3. COMPROMISO DE PAGO. Usted se compromete a pagar todos los cargos (compras, anticipos en\nefectivo, transferencias de saldo, uso de cheques de conveniencia y todo otro cargo) en que usted o\ncualquier persona a quien usted autorice a utilizar su cuenta incurran en su cuenta. Tambi\xc3\xa9n se\ncompromete a pagar todos los cargos por financiaci\xc3\xb3n y de otro tipo que se agreguen a su cuenta seg\xc3\xban\nlos t\xc3\xa9rminos de este Contrato o de otro contrato que usted celebre con la Cooperativa de Ahorro y\nCr\xc3\xa9dito. Para las cuentas conjuntas, el p\xc3\xa1rrafo sobre CUENTAS CONJUNTAS tambi\xc3\xa9n se aplica a su\ncuenta.\n4. TASAS PERI\xc3\x93DICAS. Las tasas peri\xc3\xb3dicas aplicables a compras, anticipos en efectivo y\ntransferencias de saldo se especifican en la Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato. Toda tasa punitiva\nque pueda imponerse por incumplimiento de un pago en la fecha de vencimiento del pago tambi\xc3\xa9n se\nespecifica en la Declaraci\xc3\xb3n. Todo cambio de tasa se har\xc3\xa1 de conformidad con las leyes pertinentes. Si la\ntasa para su cuenta es variable, como se especifica en la Declaraci\xc3\xb3n adjunta, la tasa que se cobra por\ncompras, anticipos en efectivo, transferencias de saldo y toda tasa punitiva variar\xc3\xa1 peri\xc3\xb3dicamente seg\xc3\xban\nse especifica en la Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato La tasa inicial de su cuenta para ciertos tipos\nde transacciones puede ser una tasa descontada introductoria (Tasa introductoria) que es m\xc3\xa1s baja que la\ntasa que se aplicar\xc3\xada habitualmente para ese tipo de transacci\xc3\xb3n. Si se aplica una Tasa introductoria a su\ncuenta, las tasas y el per\xc3\xadodo de vigencia se especifica en la Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato.\nDespu\xc3\xa9s de que el per\xc3\xadodo de la Tasa introductoria venza, la tasa peri\xc3\xb3dica aumentar\xc3\xa1 autom\xc3\xa1ticamente a\nlas tasas que habitualmente se aplicar\xc3\xadan para ese tipo de transacci\xc3\xb3n conforme a los t\xc3\xa9rminos de este\nContrato.\n5. CARGOS POR FINANCIACI\xc3\x93N. Las compras nuevas que se asienten en su cuenta durante el ciclo de\nfacturaci\xc3\xb3n no incurrir\xc3\xa1n en ning\xc3\xban cargo por financiaci\xc3\xb3n para dicho ciclo si usted tuvo un saldo\nacreedor o de cero al comienzo del ciclo o si usted pag\xc3\xb3 la totalidad del nuevo saldo de la facturaci\xc3\xb3n\ncorrespondiente al ciclo anterior antes de la fecha de vencimiento de tal facturaci\xc3\xb3n; en caso contrario, se\ndevengar\xc3\xa1 un cargo por financiaci\xc3\xb3n a partir de la fecha en que se asiente una compra en su cuenta. Para\nevitar un cargo por financiaci\xc3\xb3n adicional en el saldo de las compras, debe pagar la totalidad del nuevo\nsaldo de la facturaci\xc3\xb3n en su fecha de vencimiento. Un cargo por financiaci\xc3\xb3n comienza a devengarse en\nconcepto de anticipos en efectivo a partir de la fecha en que usted recibe dicho adelanto o a partir del\nprimer d\xc3\xada del ciclo de facturaci\xc3\xb3n en que el anticipo en efectivo se asienta en su cuenta, lo que sea\nposterior.\nEl cargo por financiaci\xc3\xb3n se calcula en forma separada para las compras y para los anticipos en efectivo.\nPara las compras, el cargo por financiaci\xc3\xb3n se calcula mediante la aplicaci\xc3\xb3n de la tasa peri\xc3\xb3dica al saldo\ndiario promedio de las compras. Para obtener el saldo diario promedio de las compras, tomamos el saldo\ninicial pendiente de pago de compras de cada d\xc3\xada, sumamos todas las compras nuevas y restamos todos\nlos pagos y los cr\xc3\xa9ditos. Esto nos da el saldo diario de las compras. Luego sumamos todos los saldos\ndiarios de las compras del ciclo de facturaci\xc3\xb3n y dividimos el total por la cantidad de d\xc3\xadas de dicho ciclo.\nEsto nos da el saldo diario promedio de las compras. Para los anticipos en efectivo, el cargo por\nfinanciaci\xc3\xb3n se calcula mediante la aplicaci\xc3\xb3n de la tasa peri\xc3\xb3dica sobre el saldo diario promedio de los\nanticipos en efectivo. Para obtener el saldo diario promedio de los anticipos en efectivo, tomamos el\nsaldo pendiente de pago inicial de los anticipos en efectivo de cada d\xc3\xada, sumamos todos los anticipos en\nefectivo nuevos y restamos todos los pagos y cr\xc3\xa9ditos que apliquemos al saldo de anticipos en efectivo.\nEsto nos da el saldo diario de los anticipos en efectivo. Luego sumamos todos los saldos diarios de\nanticipos en efectivo del ciclo de facturaci\xc3\xb3n y dividimos el total por la cantidad de d\xc3\xadas de dicho ciclo.\nEsto nos da el saldo diario promedio de los anticipos en efectivo. Las transferencias de saldo se calculan\nde la misma forma que los anticipos en efectivo.\n6. TRANSACCIONES EN MONEDA EXTRANJERA. Las compras y los anticipos en efectivo que se\nrealicen en moneda extranjera se debitar\xc3\xa1n de su cuenta en d\xc3\xb3lares estadounidenses. El tipo de cambio\nentre la divisa de la transacci\xc3\xb3n y la divisa de facturaci\xc3\xb3n utilizado para procesar las transacciones\ninternacionales es un tipo de cambio seleccionado por Visa de una serie de tasas disponibles en los\nmercados de divisas mayoristas en la fecha de procesamiento central correspondiente. Dicha tasa puede\nvariar con respecto a la tasa que Visa recibe o la tasa que exige el gobierno que est\xc3\xa9 en vigencia en la\nfecha de procesamiento central correspondiente. El tipo de cambio de divisas utilizado en la fecha en que\nse procesa la operaci\xc3\xb3n puede diferir de la tasa que se habr\xc3\xada usado en la fecha de la compra o en la\nfecha en que se asent\xc3\xb3 el estado de cuenta del tarjetahabiente.\nSe impondr\xc3\xa1 un cargo (cargo por financiaci\xc3\xb3n), calculado en d\xc3\xb3lares estadounidenses, para todas las\ntransacciones que utilicen varias monedas extranjeras, incluidas las compras, anticipos en efectivo y\nmontos acreditados a su cuenta. Se impondr\xc3\xa1 un cargo (cargo por financiaci\xc3\xb3n), calculado en d\xc3\xb3lares\nestadounidenses, para todas las transacciones que utilicen una sola moneda extranjera, incluidas las\ncompras, los anticipos en efectivo y los montos acreditados a su cuenta. Una transacci\xc3\xb3n en moneda\nextranjera es toda aquella que usted o un comerciante realiza con su tarjeta fuera de los Estados Unidos,\na excepci\xc3\xb3n de las bases militares estadounidenses, los territorios estadounidenses y las embajadas o\nconsulados estadounidenses. El cargo por transacciones en moneda extranjera est\xc3\xa1 establecido en la\nDeclaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato.\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c7. CARGOS. Adem\xc3\xa1s de la tasa peri\xc3\xb3dica, pueden imponerse en su cuenta los siguientes cargos\nadicionales. Si corresponden a su cuenta, los montos y las explicaciones de los cargos se especifican en\nla Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato. Su cuenta tambi\xc3\xa9n puede estar sujeta a cargos adicionales\nseg\xc3\xban se establece en la Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato.\na. Cargo anual. Si su cuenta est\xc3\xa1 sujeta a un cargo anual, el cargo se debitar\xc3\xa1 de su cuenta en el\nmomento de la emisi\xc3\xb3n de su tarjeta. Cada a\xc3\xb1o posterior, el cargo anual se debitar\xc3\xa1 de su cuenta durante\nel mismo mes en el que se le cobr\xc3\xb3 la primera vez. El cargo se cobrar\xc3\xa1 cada a\xc3\xb1o hasta que la cuenta se\ncierre y el saldo est\xc3\xa9 completamente cancelado.\nb. Cargo por tarjeta adicional. Si su cuenta est\xc3\xa1 sujeta a un cargo por tarjeta adicional, se cobrar\xc3\xa1 un\ncargo por cada tarjeta adicional emitida para usted al abrir la cuenta.\nc. Cargo por transacciones en moneda extranjera (cargo por financiaci\xc3\xb3n). Si su cuenta est\xc3\xa1 sujeta a un\ncargo por transacciones en moneda extranjera (cargo por financiaci\xc3\xb3n), puede debitarse de su cuenta un\ncargo por transacciones realizadas fuera de los Estados Unidos o en moneda extranjera.\nd. Recargo por mora. Si su cuenta est\xc3\xa1 sujeta a un recargo por mora, el cargo se debitar\xc3\xa1 de su cuenta\ncuando usted no realice el pago m\xc3\xadnimo exigido dentro de los d\xc3\xadas correspondientes a la fecha de\nvencimiento de pago del estado de cuenta o antes de esa fecha seg\xc3\xban se establece en la Declaraci\xc3\xb3n que\nacompa\xc3\xb1a este Contrato.\ne. Cargos por exceder el l\xc3\xadmite de cr\xc3\xa9dito. Si elige la opci\xc3\xb3n de permitir que su cuenta exceda su l\xc3\xadmite\nde cr\xc3\xa9dito, puede debitarse de su cuenta un cargo seg\xc3\xban la ley lo permita. Sin embargo, en ning\xc3\xban caso\nimpondremos un cargo por exceder el l\xc3\xadmite de cr\xc3\xa9dito, excepto en los dos ciclos de facturaci\xc3\xb3n\nsiguientes, a menos que usted haya obtenido una extensi\xc3\xb3n adicional de cr\xc3\xa9dito por el monto que excede\ndicho l\xc3\xadmite de cr\xc3\xa9dito durante cada ciclo subsiguiente o que usted haya reducido el saldo por debajo del\nl\xc3\xadmite de cr\xc3\xa9dito al final de cada ciclo de facturaci\xc3\xb3n.\nf. Cargo por pago devuelto. Si su cuenta est\xc3\xa1 sujeta a un cargo por pago devuelto, el cargo se debitar\xc3\xa1\nde su cuenta cuando se le devuelva un pago por cualquier motivo.\ng. Cargo por copias del estado de cuenta. Si su cuenta est\xc3\xa1 sujeta a cargos por copias del estado de\ncuenta, excepto seg\xc3\xban lo limitado por la ley vigente y excepto cuando la solicitud tenga relaci\xc3\xb3n con un\nerror de facturaci\xc3\xb3n en que haya incurrido la Cooperativa de Ahorro y Cr\xc3\xa9dito, podr\xc3\xa1 debitarse de su\ncuenta un cargo por cada copia del estado de cuenta o recibo de ventas que usted solicite.\nh. Cargos por copias de documentos. Si su cuenta est\xc3\xa1 sujeta a cargos por copias de documentos,\nexcepto seg\xc3\xban lo limitado por la ley vigente, podr\xc3\xa1 debitarse de su cuenta un cargo por cada copia de un\nestado de cuenta o recibo de ventas que usted solicite (excepto cuando la solicitud tenga relaci\xc3\xb3n con un\nerror de facturaci\xc3\xb3n en que haya incurrido la Cooperativa de Ahorro y Cr\xc3\xa9dito).\ni. Cargo por tr\xc3\xa1mite urgente. Si su cuenta est\xc3\xa1 sujeta a un cargo por tr\xc3\xa1mite urgente, excepto seg\xc3\xban lo\nlimitado por la ley vigente, puede debitarse de su cuenta el cargo por cada tarjeta urgente que solicite,\nsiempre que la entrega de la tarjeta tambi\xc3\xa9n est\xc3\xa9 disponible por servicio de correo est\xc3\xa1ndar, sin tener que\npagar un cargo por la entrega.\nj. Cargo por reemplazo de tarjeta de emergencia. Si su cuenta est\xc3\xa1 sujeta a un cargo por reemplazo de\ntarjeta de emergencia, se debitar\xc3\xa1 de su cuenta un cargo por cada tarjeta de reemplazo de emergencia\nque se emita para usted.\nk. Cargo por reemplazo de tarjeta. Si su cuenta est\xc3\xa1 sujeta a un cargo por reemplazo de tarjeta, se\ncobrar\xc3\xa1 un cargo por cada tarjeta de reemplazo que se emita para usted por cualquier motivo.\n8. PAGOS. Cada mes usted debe realizar por lo menos el pago m\xc3\xadnimo que se indica en su estado de\ncuenta antes de la fecha que all\xc3\xad se especifica. Usted puede pagar con mayor frecuencia, pagar m\xc3\xa1s de lo\nque el pago m\xc3\xadnimo indica o cancelar completamente el nuevo saldo total. Si realiza pagos adicionales o\nmayores, igualmente debe realizar al menos el pago m\xc3\xadnimo cada mes que su cuenta tenga un saldo (que\nno sea un saldo acreedor). El pago m\xc3\xadnimo es del 3% de su nuevo saldo total, o bien de $20, el que sea\nmayor, m\xc3\xa1s el monto correspondiente a todo pago m\xc3\xadnimo anterior que no haya realizado y todo monto\nque exceda su l\xc3\xadmite de cr\xc3\xa9dito. Adem\xc3\xa1s del pago m\xc3\xadnimo, usted tambi\xc3\xa9n debe pagar, antes de la fecha\nespecificada anteriormente, el monto de todo pago m\xc3\xadnimo anterior que no haya realizado, todo cargo y\ngasto impago pendiente, y todo monto que exceda su l\xc3\xadmite de cr\xc3\xa9dito. La Cooperativa de Ahorro y\nCr\xc3\xa9dito tiene derecho a exigir el pago inmediato de todo monto que exceda su l\xc3\xadmite de cr\xc3\xa9dito.\n9. ASIGNACI\xc3\x93N DE PAGOS. Con sujeci\xc3\xb3n a las leyes pertinentes, sus pagos pueden aplicarse a lo que\nle debe a la Cooperativa de Ahorro y Cr\xc3\xa9dito de cualquier modo en que esta decida. Sin embargo, en\ncada caso, si usted realiza un pago que exceda el pago m\xc3\xadnimo peri\xc3\xb3dico exigido, la Cooperativa de\nAhorro y Cr\xc3\xa9dito asignar\xc3\xa1 el monto excedente primero al saldo que tenga la tasa de porcentaje anual m\xc3\xa1s\nalta y toda porci\xc3\xb3n remanente a los otros saldos en orden descendente, seg\xc3\xban la tasa de porcentaje anual\nvigente.\n10. DERECHO DE GARANT\xc3\x8dA. Usted otorga a la Cooperativa de Ahorro y Cr\xc3\xa9dito un derecho de garant\xc3\xada\nconforme al C\xc3\xb3digo Comercial Uniforme y conforme a todos los derechos consuetudinarios que la\nCooperativa de Ahorro y Cr\xc3\xa9dito pueda tener sobre todo bien que usted compre. Si usted entrega a la\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cCooperativa de Ahorro y Cr\xc3\xa9dito una garant\xc3\xada espec\xc3\xadfica de acciones mediante la firma de una garant\xc3\xada de\nacciones por separado, sus acciones entregadas en garant\xc3\xada garantizar\xc3\xa1n su cuenta. Usted no puede\nretirar montos que hayan sido espec\xc3\xadficamente afectados a la garant\xc3\xada para garantizar su cuenta hasta\nque la Cooperativa de Ahorro y Cr\xc3\xa9dito acuerde cancelar la totalidad o una parte del monto entregado en\ngarant\xc3\xada.\nSu cuenta est\xc3\xa1 garantizada con todas las dem\xc3\xa1s acciones que usted posee en cualquier cuenta,\nindividual o conjunta, con la Cooperativa de Ahorro y Cr\xc3\xa9dito, excepto por las acciones de una Cuenta\nde Retiro Individual o de cualquier otra cuenta en la que usted perder\xc3\xada tratamiento fiscal especial de\nconformidad con las leyes federales o estatales si las cediera en garant\xc3\xada. Estas otras acciones s\xc3\xad pueden\nretirarse, a menos que usted se encuentre en situaci\xc3\xb3n de incumplimiento de acuerdo con este Contrato.\nUsted autoriza a la Cooperativa de Ahorro y Cr\xc3\xa9dito a afectar el saldo de sus cuentas de acciones\nindividuales o conjuntas al pago de toda cantidad pendiente de pago en su cuenta en caso de\nincumplimiento.\nLas garant\xc3\xadas de otros pr\xc3\xa9stamos que usted haya recibido de la Cooperativa de Ahorro y Cr\xc3\xa9dito tambi\xc3\xa9n\npueden garantizar este pr\xc3\xa9stamo, excepto que nunca se considerar\xc3\xa1 a una vivienda como garant\xc3\xada de esta\ncuenta, independientemente de todo lo que conste en sentido contrario en cualquier otro contrato.\n11. INCUMPLIMIENTO. Usted se encontrar\xc3\xa1 en situaci\xc3\xb3n de incumplimiento si no realiza alg\xc3\xban pago\nm\xc3\xadnimo o alg\xc3\xban otro pago exigido antes de su fecha de vencimiento. Se encontrar\xc3\xa1 tambi\xc3\xa9n en situaci\xc3\xb3n\nde incumplimiento si no cumple con lo acordado en este Contrato. Se encontrar\xc3\xa1 en situaci\xc3\xb3n de\nincumplimiento si fallece, se presenta en bancarrota o se declara insolvente, es decir, incapaz de pagar\nsus obligaciones antes de su vencimiento. Se encontrar\xc3\xa1 en situaci\xc3\xb3n de incumplimiento si realiza\ncualquier declaraci\xc3\xb3n falsa o enga\xc3\xb1osa en cualquier solicitud de cr\xc3\xa9dito o actualizaci\xc3\xb3n de cr\xc3\xa9dito. Se\nencontrar\xc3\xa1 tambi\xc3\xa9n en situaci\xc3\xb3n de incumplimiento en caso de que tenga lugar alg\xc3\xban acontecimiento por\nel que la Cooperativa de Ahorro y Cr\xc3\xa9dito considere que su capacidad de cancelar sus deudas se ha\nreducido substancialmente.\nCuando se encuentre en situaci\xc3\xb3n de incumplimiento, la Cooperativa de Ahorro y Cr\xc3\xa9dito tendr\xc3\xa1 derecho\na exigir el pago inmediato de la totalidad del saldo de su cuenta sin necesidad de notificarle a usted. Si se\nle exige el pago inmediato, usted acuerda continuar pagando los cargos por financiaci\xc3\xb3n, seg\xc3\xban la tasa\nperi\xc3\xb3dica previa a la situaci\xc3\xb3n de incumplimiento, hasta que su deuda haya sido cancelada, y toda acci\xc3\xb3n\nque haya sido cedida en garant\xc3\xada de su cuenta puede aplicarse al pago de su deuda.\n12. RESPONSABILIDAD POR LA NOTIFICACI\xc3\x93N DE TARJETAS ROBADAS, PERDIDAS O UTILIZADAS\nSIN AUTORIZACI\xc3\x93N. Usted acuerda notificarnos de inmediato respecto de la p\xc3\xa9rdida, el robo o el uso no\nautorizado de su tarjeta de cr\xc3\xa9dito, en forma oral o por escrito a P.O. Box 208005, Stockton, CA\n95208-9005 o por tel\xc3\xa9fono al (209) 948-6024, ext. 50197, de lunes a jueves de 9:00a.m. a 4:30p.m., o\nal (209) 948-6024, ext. 50197, los viernes de 9:00a.m. a 5:30p.m., o al (800) 453-4270 fuera del\nhorario comercial, fines de semana y feriados. Usted puede ser responsable del uso no autorizado de su\ntarjeta de cr\xc3\xa9dito. No ser\xc3\xa1 responsable del uso no autorizado de su tarjeta que tenga lugar despu\xc3\xa9s de\nque usted nos notifique de la p\xc3\xa9rdida, del robo o del posible uso no autorizado de la misma. Usted no\nser\xc3\xa1 responsable de compras no autorizadas realizadas con su tarjeta de cr\xc3\xa9dito, a menos que haya sido\nconsiderablemente negligente en el uso de su tarjeta. En cualquier caso, su responsabilidad no superar\xc3\xa1\nlos $50.\n13. CAMBIO O TERMINACI\xc3\x93N DE SU CUENTA. Seg\xc3\xban lo permitido por la ley, la Cooperativa de Ahorro y\nCr\xc3\xa9dito puede cambiar los t\xc3\xa9rminos de este Contrato y toda Declaraci\xc3\xb3n adjunta peri\xc3\xb3dicamente. Se\nnotificar\xc3\xa1 sobre todo cambio seg\xc3\xban lo establecen las leyes pertinentes. Si la ley lo permite y se lo\nespecifica en la notificaci\xc3\xb3n que se le realice, el cambio se aplicar\xc3\xa1 al saldo existente de su cuenta, as\xc3\xad\ncomo tambi\xc3\xa9n a las transacciones futuras. Usted o la Cooperativa de Ahorro y Cr\xc3\xa9dito pueden extinguir\neste Contrato en cualquier momento, pero en ninguno de los dos casos la terminaci\xc3\xb3n afectar\xc3\xa1 su\nobligaci\xc3\xb3n de pagar el saldo de su cuenta m\xc3\xa1s todos los cargos por financiaci\xc3\xb3n o de otro tipo que usted\nadeude seg\xc3\xban este Contrato. Su obligaci\xc3\xb3n de pagar el saldo de su cuenta m\xc3\xa1s todos los cargos por\nfinanciaci\xc3\xb3n o de otro tipo que usted adeude seg\xc3\xban este Contrato est\xc3\xa1 sujeta a todas las leyes y\nregulaciones vigentes relacionadas con requisitos de reintegro. Usted tambi\xc3\xa9n es responsable de todas las\ntransacciones que se realicen en su cuenta despu\xc3\xa9s de su terminaci\xc3\xb3n, a menos que dichas transacciones\nno est\xc3\xa9n autorizadas.\nToda tarjeta que usted reciba seguir\xc3\xa1 siendo propiedad de la Cooperativa de Ahorro y Cr\xc3\xa9dito, y usted\ndebe recuperar y entregar a la Cooperativa de Ahorro y Cr\xc3\xa9dito todas las tarjetas cuando se las soliciten o\ncuando usted o la Cooperativa de Ahorro y Cr\xc3\xa9dito extingan este Contrato. Para las cuentas conjuntas, el\np\xc3\xa1rrafo sobre CUENTAS CONJUNTAS de este Contrato tambi\xc3\xa9n se aplica a la terminaci\xc3\xb3n de la cuenta.\n14. CAMBIO O CANCELACI\xc3\x93N DE USUARIOS AUTORIZADOS. Si lo solicita, podemos emitir tarjetas\nadicionales para usuarios autorizados que usted designe. Debe notificarnos por escrito toda cancelaci\xc3\xb3n\ndel derecho de un usuario autorizado a acceder a su cuenta. Su carta debe incluir el nombre del usuario\nautorizado, el n\xc3\xbamero de cuenta de usted y todo n\xc3\xbamero de subcuenta emitida al usuario autorizado junto\ncon la tarjeta del usuario autorizado y todo cheque de conveniencia u otros cheques de acceso emitidos\nal usuario autorizado. Si no puede devolver la tarjeta o los cheques de acceso del usuario autorizado, y si\nusted solicita que se le cierre la cuenta, se la cerraremos y podr\xc3\xa1 solicitar una cuenta nueva.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c15. REVISI\xc3\x93N Y DIVULGACI\xc3\x93N DE INFORMACI\xc3\x93N CREDITICIA. Usted autoriza a la Cooperativa de\nAhorro y Cr\xc3\xa9dito a investigar su solvencia cuando se abra o revise su cuenta. Tambi\xc3\xa9n autoriza a la\nCooperativa de Ahorro y Cr\xc3\xa9dito a revelar informaci\xc3\xb3n respecto de su cuenta a las oficinas de cr\xc3\xa9dito y a\nlos acreedores que investiguen su solvencia. Si su cuenta es elegible para servicios de efectivo o de\nreemplazo de tarjeta de emergencia y usted solicita dichos servicios, usted acuerda que nosotros\npodemos suministrar la informaci\xc3\xb3n personal acerca de usted y de su cuenta que sea necesaria para\npoder prestarle los servicios solicitados.\n16. DEVOLUCIONES Y AJUSTES. Los comerciantes y otras personas que acepten su tarjeta pueden\notorgar cr\xc3\xa9ditos en concepto de devoluciones o ajustes, y lo har\xc3\xa1n mediante el env\xc3\xado de una nota de\ncr\xc3\xa9dito a la Cooperativa de Ahorro y Cr\xc3\xa9dito, que se asentar\xc3\xa1 en su cuenta. Si sus cr\xc3\xa9ditos y pagos\nsuperan lo que usted le debe a la Cooperativa de Ahorro y Cr\xc3\xa9dito, se aplicar\xc3\xa1 el monto a compras y\nanticipos en efectivo futuros. Si el saldo acreedor es de $1 o m\xc3\xa1s, se le reintegrar\xc3\xa1 cuando presente una\nsolicitud por escrito o en forma autom\xc3\xa1tica despu\xc3\xa9s de que hayan transcurrido seis (6) meses.\n17. MEJORAS DE LA TARJETA Y BENEFICIOS ADICIONALES. La Cooperativa de Ahorro y Cr\xc3\xa9dito puede\nperi\xc3\xb3dicamente ofrecer servicios adicionales para su cuenta, tales como seguro de accidentes para viajes,\nsin ning\xc3\xban costo adicional. Usted comprende que la Cooperativa de Ahorro y Cr\xc3\xa9dito no est\xc3\xa1 obligada a\nofrecer tales servicios y puede suspenderlos o modificarlos en cualquier momento.\n18. CONFLICTOS CON COMERCIANTES. La Cooperativa de Ahorro y Cr\xc3\xa9dito no es responsable de la\nnegativa de comerciantes o instituciones financieras a aceptar su tarjeta. La Cooperativa de Ahorro y\nCr\xc3\xa9dito est\xc3\xa1 sujeta a reclamos y defensas (que no sean reclamos por actos il\xc3\xadcitos) relacionados con\nbienes o servicios que usted compre con la tarjeta si usted los adquiri\xc3\xb3 de buena fe pero el comerciante o\nel prestador del servicio no le brindaron satisfacci\xc3\xb3n y (a) su compra respondi\xc3\xb3 a una publicidad que la\nCooperativa de Ahorro y Cr\xc3\xa9dito le envi\xc3\xb3 o de la que particip\xc3\xb3 en el env\xc3\xado, o (b) su compra cost\xc3\xb3 m\xc3\xa1s de\n$50 y se realiz\xc3\xb3 en su estado o a menos de 100 millas de distancia de su hogar.\n19. CUENTAS CONJUNTAS. Si esta es una cuenta conjunta, cada uno de los titulares es responsable\nindividual y conjuntamente del pago de todos los montos adeudados conforme a este Contrato. Ello\nsignifica que la Cooperativa de Ahorro y Cr\xc3\xa9dito puede exigir a cualquiera de ustedes que cancele\nindividualmente la totalidad de la deuda seg\xc3\xban lo establece este Contrato. Cada uno de ustedes autoriza a\nlos dem\xc3\xa1s a realizar compras u obtener anticipos en efectivo en forma individual. Cualquiera de ustedes\npuede extinguir la cuenta y la terminaci\xc3\xb3n ser\xc3\xa1 efectiva para todos.\n20. VIGENCIA DEL CONTRATO. Este Contrato rige todas las transacciones de su cuenta, aun cuando las\nventas, anticipos en efectivo, cr\xc3\xa9ditos u otras notas de cr\xc3\xa9dito que usted firme o reciba contengan\ndiferentes t\xc3\xa9rminos.\n21. NO RENUNCIAMOS A NUESTROS DERECHOS. La Cooperativa de Ahorro y Cr\xc3\xa9dito puede demorarse\nen hacer cumplir cualquiera de sus derechos cualquier cantidad de veces que lo disponga sin perderlos.\n22. ESTADOS DE CUENTA Y NOTIFICACIONES. Los estados de cuenta y las notificaciones se enviar\xc3\xa1n\npor correo a la direcci\xc3\xb3n m\xc3\xa1s reciente que usted le haya dado a la Cooperativa de Ahorro y Cr\xc3\xa9dito. Al\nenviarse una notificaci\xc3\xb3n a cualquiera de ustedes, se considerar\xc3\xa1 que todos han sido notificados.\n23. DIVISIBILIDAD Y EXPRESI\xc3\x93N FINAL. Este Contrato y la Declaraci\xc3\xb3n son la expresi\xc3\xb3n final de los\nt\xc3\xa9rminos y las condiciones de su cuenta. Este Contrato y esta Declaraci\xc3\xb3n escritos no pueden\ncontradecirse mediante evidencia de ning\xc3\xban presunto contrato oral. En caso de que se determinara que\nalguna parte de este Contrato o de la Declaraci\xc3\xb3n fuera inv\xc3\xa1lida o no fuera exigible judicialmente, todas\nlas dem\xc3\xa1s partes de este Contrato y de la Declaraci\xc3\xb3n se mantendr\xc3\xa1n vigentes y plenamente exigibles\njudicialmente en la medida de lo posible conforme a este Contrato.\n24. COPIA RECIBIDA. Usted confirma haber recibido una copia de este Contrato y de la Declaraci\xc3\xb3n.\n25. PROHIBICI\xc3\x93N DE TRANSACCIONES DE JUEGOS DE AZAR EN INTERNET. Usted no puede utilizar su\ntarjeta para iniciar ninguna transacci\xc3\xb3n electr\xc3\xb3nica de juegos de azar por Internet.\n26. DECLARACI\xc3\x93N SOBRE TASAS PUNITIVAS. Si corresponde a su cuenta, todas las tasas para su\ncuenta, incluidas las tasas por compras, anticipos en efectivo y transferencias de saldo, aumentar\xc3\xa1n a la\ntasa punitiva especificada en la Declaraci\xc3\xb3n que acompa\xc3\xb1a este Contrato cuando se cumpla una o m\xc3\xa1s de\nlas condiciones establecidas en la Declaraci\xc3\xb3n. Todo aumento de tasa aplicado a su cuenta est\xc3\xa1 sujeto a\nlos requisitos de notificaci\xc3\xb3n pertinentes. Para obtener informaci\xc3\xb3n adicional sobre la tasa punitiva,\nconsulte la Declaraci\xc3\xb3n.\n27. AVISO A LOS PRESTATARIOS DE UTAH. Este contrato por escrito es la expresi\xc3\xb3n final del contrato\nentre usted y la Cooperativa de Ahorro y Cr\xc3\xa9dito. Este contrato escrito no puede contradecirse mediante\nla evidencia de ning\xc3\xban contrato oral.\n28. LA LEY DE VERMONT EXIGE LO SIGUIENTE: AVISO AL COFIRMANTE. SU FIRMA EN ESTE\nDOCUMENTO SIGNIFICA QUE USTED ES IGUALMENTE RESPONSABLE DE LA DEVOLUCI\xc3\x93N DE ESTE\nPR\xc3\x89STAMO. SI EL PRESTATARIO NO PAGA, EL PRESTAMISTA TIENE EL DERECHO LEG\xc3\x8dTIMO DE\nCOBRARLE A USTED.\n29. AVISO A LOS PRESTATARIOS DE ALABAMA. ADVERTENCIA: ES IMPORTANTE QUE LEA\nCUIDADOSAMENTE ESTE CONTRATO ANTES DE FIRMARLO.\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nEsta notificaci\xc3\xb3n describe sus derechos y nuestras obligaciones seg\xc3\xban lo establece la Ley de Facturaci\xc3\xb3n\nJusta de Cr\xc3\xa9ditos (Fair Credit Billing Act).\nQu\xc3\xa9 debe hacer si considera que hay un error en su estado de cuenta\nSi considera que hay un error en su estado de cuenta, escr\xc3\xadbanos a:\nFinancial Center Credit Union\nPO Box 208005\nStockton, CA 95208-9005\nTambi\xc3\xa9n puede comunicarse con nosotros en el sitio web: www.fccuburt.org\nEn su carta, sumin\xc3\xadstrenos la siguiente informaci\xc3\xb3n:\n-\n\nInformaci\xc3\xb3n de la cuenta: su nombre y su n\xc3\xbamero de cuenta.\nMonto en d\xc3\xb3lares: la cantidad del presunto error, expresada en d\xc3\xb3lares.\nDescripci\xc3\xb3n del problema: si considera que hay un error en su facturaci\xc3\xb3n, describa cu\xc3\xa1l es y por\nqu\xc3\xa9 cree que se trata de un error.\n\nDebe comunicarse con nosotros:\n-\n\nEn un plazo de 60 d\xc3\xadas despu\xc3\xa9s de que el error figure por primera vez en su estado de cuenta.\nEn un plazo de al menos 3 d\xc3\xadas h\xc3\xa1biles antes de la fecha en que est\xc3\xa1 programado un pago\nautom\xc3\xa1tico, si desea suspender el pago del monto que cree que est\xc3\xa1 equivocado.\n\nUsted debe notificarnos sobre todos los posibles errores por escrito [o por v\xc3\xada electr\xc3\xb3nica]. Puede\nllamarnos, pero si lo hace no estamos obligados a investigar ning\xc3\xban posible error y es posible que usted\ndeba pagar el monto cuestionado.\nQu\xc3\xa9 suceder\xc3\xa1 luego de que recibamos su carta\nCuando recibamos su carta, debemos hacer dos cosas:\n1. Dentro de un plazo de 30 d\xc3\xadas de la recepci\xc3\xb3n de su carta, debemos avisarle que la recibimos.\nTambi\xc3\xa9n le notificaremos si ya corregimos el error.\n2. Dentro de un plazo de 90 d\xc3\xadas de la recepci\xc3\xb3n de su carta, debemos corregir el error o bien\nexplicarle por qu\xc3\xa9 consideramos que la facturaci\xc3\xb3n es correcta.\nMientras investigamos si hubo un error o no:\n-\n\nNo podemos tratar de cobrar el monto que usted cuestione ni denunciarlo como moroso por esa\nsuma.\nEl cargo cuestionado puede seguir figurando en su estado de cuenta y podemos seguir cobr\xc3\xa1ndole\ninter\xc3\xa9s sobre ese monto.\nAunque no tenga que pagar el monto cuestionado, usted es responsable del resto del saldo.\nPodemos aplicar cualquier monto impago a su l\xc3\xadmite de cr\xc3\xa9dito.\n\nLuego de finalizada nuestra investigaci\xc3\xb3n, suceder\xc3\xa1 una de dos cosas:\n-\n\nSi cometimos un error: no deber\xc3\xa1 pagar el monto cuestionado ni ning\xc3\xban inter\xc3\xa9s u otros cargos\nrelacionados con ese monto.\nSi creemos que no hemos cometido un error: deber\xc3\xa1 pagar el monto cuestionado, incluidos los\nintereses y los cargos pertinentes. Le enviaremos un resumen del monto que adeude y su fecha de\nvencimiento. Si usted no paga el monto que consideramos que nos adeuda, podemos entonces\ndenunciarlo como moroso.\n\nSi usted recibe nuestra explicaci\xc3\xb3n pero aun as\xc3\xad considera que la facturaci\xc3\xb3n contiene errores, debe\nescribirnos en un plazo de 10 d\xc3\xadas para notificarnos que todav\xc3\xada se reh\xc3\xbasa a pagar. Si lo hace, no\npodemos denunciarlo como moroso sin informar tambi\xc3\xa9n que usted est\xc3\xa1 cuestionando su facturaci\xc3\xb3n.\nDebemos darle a usted el nombre de toda persona a quien denunciamos como moroso y debemos\ninformar a esas organizaciones cuando est\xc3\xa9 resuelto el tema.\nSi no actuamos conforme a las normas antes expresadas, no debe pagar los primeros $50 del monto\ncuestionado, aun cuando la facturaci\xc3\xb3n sea correcta.\nSus derechos en caso de que usted no est\xc3\xa9 conforme con las compras realizadas con su tarjeta de cr\xc3\xa9dito\nSi usted no est\xc3\xa1 conforme con los bienes o servicios que pag\xc3\xb3 con su tarjeta de cr\xc3\xa9dito e intent\xc3\xb3 resolver\nel problema de buena fe con el comerciante, puede tener el derecho de no pagar el monto remanente\npendiente de pago correspondiente a esa compra.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0cPara obtener este derecho, deben cumplirse todas las siguientes condiciones:\n1. La compra debe haberse realizado en el estado de su residencia o, de lo contrario, a no m\xc3\xa1s de 100\nmillas de su direcci\xc3\xb3n postal actual, y el precio de compra debe haber sido superior a $50. (Nota:\nninguna de estas condiciones es necesaria si usted efectu\xc3\xb3 una compra conforme a una publicidad\nque le enviamos por correo o si nosotros somos los due\xc3\xb1os de la compa\xc3\xb1\xc3\xada que le vendi\xc3\xb3 los bienes\no servicios).\n2. Debe haber utilizado su tarjeta de cr\xc3\xa9dito para efectuar la compra. No podr\xc3\xa1 acceder a este derecho\nsi compra con anticipos en efectivo que extrajo de un cajero autom\xc3\xa1tico o con cheques cuyos\nfondos provengan de la cuenta de su tarjeta de cr\xc3\xa9dito.\n3. Todav\xc3\xada no debe haber terminado de pagar lo que compr\xc3\xb3.\nSi se cumplen todos los requisitos anteriores y usted sigue estando disconforme con la compra,\ncomun\xc3\xadquese con nosotros por escrito [o por v\xc3\xada electr\xc3\xb3nica] a:\nFinancial Center Credit Union\nPO Box 208005\nStockton, CA 95208-9005\nMientras investigamos, rigen las mismas normas para el monto en disputa que se indicaron anteriormente.\nLuego de finalizar nuestra investigaci\xc3\xb3n, le comunicaremos nuestra decisi\xc3\xb3n. En ese momento, si creemos\nque usted adeuda un monto y no lo paga, podemos denunciarlo como moroso.\nNOTIFICACI\xc3\x93N DE INFORMACI\xc3\x93N NEGATIVA. La ley federal nos exige que proporcionemos la siguiente\nnotificaci\xc3\xb3n a los miembros antes de que cualquier "informaci\xc3\xb3n negativa" pueda comunicarse a una\nagencia de informe crediticio del pa\xc3\xads. Podemos proporcionarle informaci\xc3\xb3n sobre sus cuentas a las\noficinas de cr\xc3\xa9dito. Los pagos en mora, los pagos adeudados u otras situaciones de incumplimiento con\nrespecto a su cuenta se pueden reflejar en su informe crediticio.\n\nDCAGX1 (MXC500 CCM000)-e\n\n\x0c'


b'BECU CONSUMER LENDING RATES & RELATED DISCLOSURES \xe2\x80\x93\nCREDIT CARDS\nBoeing Employees\xe2\x80\x99 Credit Union (BECU) is one of the nation\xe2\x80\x99s leading not-for-profit credit unions. We are committed to\noffering better rates, fewer fees and more affordable financial services.\nLearn more at becu.org.\nRate Schedule Effective August 1, 2020\n\nBECU Cash Back Visa\xc2\xae\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for twelve (12) months from date of account opening.\nAfter that, your APR will be 9.90% to 15.90%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for twelve (12) months from date of transfer when transfers are\ncompleted within 90 days of account opening.\nAfter that, your APR will be 9.90% to 15.90%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n9.90% to 15.90%, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge\nyou interest on purchases if you pay your entire balance by the due date each month.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nUp to $25\nUp to $25\n\nHow We Will Calculate\nYour Balance\n\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your Agreement for more details.\n\nHow We Will Calculate\nYour Rate\n\nAfter any applicable introductory rate period ends, we will establish a margin of 6.65% to\n12.65% based on your creditworthiness, and add this margin to the Prime Rate to\ndetermine your APR. Your APR and margin will be stated in a Credit Voucher provided to\nyou if you open a credit card account under your Credit and Security Agreement.\n\nOther Important Credit\nCard Terms and\nConditions\n\nAll terms, including fees and the APRs for new transactions, may change after account\nopening in accordance with the Credit and Security Agreement and applicable law.\n\nSPECIAL NOTICE\n\nIf you pay your credit card balance in full each month, you do not pay interest on your\npurchases. This is called a grace period. Please note that once your 12-month 0%\nintroductory purchase APR ends, you will pay interest on any purchases (including\nrecurring automatic payments) unless you pay your entire balance (including both\ntransferred balances and purchase balances) in full.\n\nBECU 461\n\nRates and Terms in effect as of August 1, 2020 and are subject to change without notice.\n\n\x0cBECU CONSUMER LENDING RATES & RELATED DISCLOSURES \xe2\x80\x93\nCREDIT CARDS\nRate Schedule Effective August 1, 2020\n\nBECU Visa\xc2\xae\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for twelve (12) months from date of account opening.\nAfter that, your APR will be 6.90% to 12.90%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for twelve (12) months from date of transfer when transfers are\ncompleted within 90 days of account opening.\nAfter that, your APR will be 6.90% to 12.90%, based on your creditworthiness. This APR\nwill vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n6.90% to 12.90%, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge\nyou interest on purchases if you pay your entire balance by the due date each month.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nUp to $25\nUp to $25\n\nHow We Will Calculate\nYour Balance\n\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your Agreement for more details.\n\nHow We Will Calculate\nYour Rate\n\nAfter any applicable introductory rate period ends, we will establish a margin of 3.65% to\n9.65% based on your creditworthiness, and add this margin to the Prime Rate to determine\nyour APR. Your APR and margin will be stated in a Credit Voucher provided to you if you\nopen a credit card account under your Credit and Security Agreement.\n\nOther Important Credit\nCard Terms and\nConditions\n\nAll terms, including fees and the APRs for new transactions, may change after account\nopening in accordance with the Credit and Security Agreement and applicable law.\n\nSPECIAL NOTICE\n\nIf you pay your credit card balance in full each month, you do not pay interest on your\npurchases. This is called a grace period. Please note that once your 12-month 0%\nintroductory purchase APR ends, you will pay interest on any purchases (including\nrecurring automatic payments) unless you pay your entire balance (including both\ntransferred balances and purchase balances) in full.\n\nStatement of the Military Annual Percentage Rate (MAPR)\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). Please call 888-244-1695 for more information.\n\nBECU 461\n\nRates and Terms in effect as of August 1, 2020 and are subject to change without notice.\n\n\x0c'