Credit Card Agreement

This  document  together  with  the  Account  Opening  Disclosure  that  was 
either  delivered with this agreement  or  with your card is an agreement (the 
“Agreement”)  between  you,  the  cardmember,  and  CommunityAmerica  Credit 
Union.  This  Credit  Card  Agreement  is  for  your  credit  card  account  with 
CommunityAmerica Credit Union (the “Credit Union”), and the Card(s) which 
has/have been given to you in connection with your Account.  Such Account 
and Card(s) provide you with credit card services.  Your use of the Account or 
any  payment  on  the  Account  indicates  your  acceptance  on  the  terms  of  this 
Agreement.    “You”  and  “your”  mean  any  applicant  for  the  Account,  and  any 
person using the Account and/or related Card(s) with the expressed or implied 
permission  of  any  of  the  applicants.    Any  person  whose  name  appears  on 
the Account for the Card(s) issued by the Credit Union under this Agreement 
consents,  either  by  using  or  permitting  another  to  use  the  Card(s),  to  all 
provisions of this Agreement.  “We”, “us” and “our” means the Credit Union, our 
successors and assigns.  

DEFINITIONS: 

Account means your credit card account.

Annual Fee means a fee charged on a yearly basis for your continued use of 
the Account.

APR means Annual Percentage Rate.

ATM means Automated Teller Machine.

Average Daily Balance is determined by adding the outstanding balance for 
each day in the billing cycle, and then dividing by the number of days in the 
billing cycle.

Balance Transfer means an advance made when transferring a balance from 
another creditor to your Account. You may not transfer a balance from another 
loan account with us to this Account.  

Business Days are Monday through Friday, excluding Federal holidays.

Card means the physical card(s), the Account number, or any device (such as a 
Check) that can be used to access your Account.

Cash Advance means an advance made when you use your Card or Account 
to: obtain cash from an ATM; obtain cash from any other source; make a wire 
transfer; buy foreign currency; buy traveler’s checks; buy money orders; buy 
lottery tickets; buy gambling chips and wagers; or cash a Convenience Check.  

Check  or  Convenience  Check  means  any  check  we  send  to  you  to  access 
your Account.  We will tell you whether we will treat the Check as a Purchase, 
Balance Transfer or Cash Advance.  You may not use these Checks to pay any 
amount you owe us.  We have the right not to pay a Check for any reason.

Charges are costs imposed as part of this Agreement and include both Interest 
Charges and Fees.

Daily Periodic Rate means a rate calculated from the applicable APR.  The 
daily periodic rate is equal to the applicable APR divided by 365. 

Fees means non-interest charges, including transaction fees.

Foreign Transaction means any transaction made in a foreign currency, and 
any transaction made in U.S. dollars if the transaction is made or processed 
outside of the United States. Foreign transactions include, for example, online 
purchases  from  foreign  merchants.  The  card  network  that  processes  these 
transactions  will  calculate  a  U.S.  dollar  amount  for  each  such  transaction 
using  its  own  currency  conversion  procedures.  Each  network  uses  either  a 
government mandated or wholesale rate in effect on the date that the network 
processes the transaction, which may differ from the rate that the network itself 
receives and which may be the least favorable rate the network identifies from 
a reasonable range of customary sources. The rate in effect on the processing 
date may not be the same as any rate in effect on the date that you made the 
transaction or on the date that the transaction posts to your Account. 

Grace  Period  means  the  period  of  time  during  which  you  can  avoid  paying 
Interest Charges on certain transactions or balances.  

Interest Charges means the portion of Charges attributed to periodic interest 
rates.

Introductory Rate means any Promotional Rate offered when you open your 
Account.

Prime Rate means the U.S. Prime Rate published in the Wall Street Journal 
in  its  column  called  “Money  Rates”  on  the  last  Business  Day  of  each  month. 
If more than one U.S. Prime Rate is published by the Wall Street Journal, we 
may choose the highest of such rates to use in calculating your APR. If the Wall 
Street Journal no longer publishes a prime rate, we will use a similar published 
rate that we choose.

Promotional Balance means the balance subject to any Promotional Rate or 
Introductory Rate.

Promotional  Rate  is  a  rate  other  than  the  standard  rate,  tied  to  a  special 
offering.  

Purchase means the use of your Card to buy or lease merchandise or services, 
and  does  not  include  any  type  of  Cash  Advance.    The  purchase  of  cash  or 
cash equivalents, like casino chips or lottery tickets, is a cash advance, not a 
purchase.

Statement means your billing statement.

Transaction  Date  means  the  date  shown  on  your  billing  statement  for  a 
transaction or fee.

PROMISE TO PAY:  You agree to pay all authorized charges on the Statement, 
including Interest Charges and Fees.  To the extent permitted by applicable law, 
you also promise to pay all costs and expenses, including reasonable attorney’s 
fees that we incur in enforcing this Agreement.  

CHANGE IN TERMS:  We may change the terms of this Agreement, including 
APRs and Fees, from time to time.  We may also add new terms or delete terms.  
If required by law we will give you advance written notice of the change(s) and 
a right to reject the change(s).  If you reject a change, your Account will be 
cancelled and you will no longer be able to use the Account.  Cancellation of 
your Account will not affect your liability to us for credit we have extended to 
you, including amounts not yet billed to your Account.

OUR  COMMUNICATIONS  WITH  YOU:    You  agree  that  our  personnel  may 
listen  to  or  record  phone  calls  between  you  and  our  representatives  without 
additional notice to you including calls we make to collect debts.  We may use 
any medium permitted by law, including mail, live telephone calls, automated 
telephone equipment, pre-recorded telephone calls, e-mail, text messages and 
calls to your cell phone (which may be at your expense) to contact you about 
your Account or to offer you products or services that may be of value to you.  

USING YOUR ACCOUNT:  Your Account is a consumer Account, and is not for 
business purposes.  You agree not to use your Account for unlawful purposes 
or  transactions.    It  is  not  our  responsibility  to  make  sure  that  you  use  your 
Account only for permissible transactions, and you will remain responsible for 
paying a transaction even if is not permissible. 

AUTHORIZED  USERS:    If  you  let  anyone  use  your  Account,  that  person  is 
an  authorized  user.  You  are  responsible  for  any  use  of  your  Account  by  an 
authorized  user,  even  for  transactions  for  which  you  may  not  have  intended 
to be liable. You must tell us if you want to stop an authorized user from using 
your Account. You are responsible for getting any Cards, Checks or other means 
of accessing your Account from the authorized user. We may share information 
about the Account with authorized users. 

JOINT ACCOUNT: If your Account is a joint Account, each of you agrees to be 
liable individually and jointly for the entire amount owed on the Account, and 

any notice we mail to an address provided by either of you for the Account will 
serve as notice to both of you. This means that we can require any one of you 
individually to repay the entire amount owed under this Agreement. Each of 
you authorizes the other(s) to make purchases or cash advances individually. 
Any one of you may terminate the Account and the termination will be effective 
as to all of you. 

CREDIT LINES: We will post your current credit limit on your Statement, and 
may cancel, change or restrict it or your credit availability at any time. We are 
not obligated to allow your Account to go over its credit limit. You are responsible 
for the total balance at all times, even if your Account balance exceeds your 
credit limit. We may establish a lower credit line for Cash Advances.  

AUTHORIZATION  OF  TRANSACTIONS/CLOSING  YOUR  ACCOUNT:    We  are 
not  obligated  to  honor  every  transaction,  and  we  may  close  or  suspend  your 
Account at any time without notice. If we or you close your Account, you must 
still  pay  all  outstanding  amounts  on  the  Account.    Interest  will  continue  to 
accrue on your unpaid balance. We may decline transactions for any reason, 
including: operational matters, the account is in default, or suspected fraudulent 
or unlawful activity. We are not responsible for any losses associated with a 
declined transaction. If your Account is closed or your Card expires, you may 
no longer use your Card and you must destroy it or return it to us upon request.

INTEREST CHARGES:

Variable  Rates:    We  calculate  variable  APRs  by  adding  a  margin  to  the 
Prime Rate. The APR may increase or decrease each month if the Prime Rate 
changes. We may increase or decrease the APR effective on the first billing 
date  after  the  cycle.  If  the  APR  increases,  you  will  pay  a  higher  Interest 
Charge and may pay a higher minimum payment.  

Interest Charge Calculation: New purchases posted to your account during 
a billing cycle will not incur a interest charge for that billing cycle if you had 
a zero or credit balance at the beginning of that billing cycle, or you paid the 
entire new balance on the previous cycle’s billing statement by the payment 
due date of that statement; otherwise an interest charge will accrue from 
the date a purchase is posted to your account. To avoid an additional interest 
charge on the balance of purchases, you must pay the entire new balance on 
the billing statement by the payment due date of that statement. An interest 
charge begins to accrue on cash advances from the date you get the cash 
advance or from the first day of the billing cycle in which the cash advance is 
posted to your account, whichever is later.

The interest charge is calculated separately for purchases and cash advances. 
For purchases, the interest charge is computed by applying the periodic rate 
to the average daily balance of purchases. To get the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each 
day,  add  any  new  purchases,  and  subtract  any  payments  and/or  credits. 
This  gives  us  the  daily  balance  of  purchases.  Then,  we  add  all  the  daily 
balances of purchases for the billing cycle together and divide the total by the 
number of days in the billing cycle. This gives us the average daily balance 
of purchases.

For cash advances, the interest charge is computed by applying the periodic 
rate to the average daily balance of cash advances. To get the average daily 
balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments 
and/or credits that we apply to the cash advance balance. This gives us the 
daily balance of cash advances. Then, we add all the daily balances of cash 
advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number 
of days in the billing cycle. This gives us the average daily balance of cash 
advances.  Balance  transfers  are  calculated  in  the  same  manner  as  cash 
advances unless otherwise noted.

Termination  of  Introductory  or  Promotional  Rates:  If  during  an 
Introductory or Promotional Rate period, we have not received the required 
minimum monthly payment within 60 days of the respective payment due 
date, we will increase the applicable APR to the standard non-promotional 
APR.  Introductory and/or Promotional Rates will not be reinstated.  

Grace  Period:    We  will  not  charge  you  interest  on  new  Purchases  if  you 
pay your full Account balance by the due date each month.  Also, we will 
not impose Interest Charges on any portion of a new Purchase balance you 

repay while that balance is subject to a Grace Period.  Subject to the Grace 
Period,  we  will  charge  interest  from  the  date  new  transactions  appear  on 
your Account until paid in full.  You cannot avoid paying interest on Balance 
Transfers and Cash Advances. If you do not pay your New Balance in full 
each month then, depending on the balance to which we apply your payment, 
you may not get a Grace Period on new Purchases.

FEES:

Cash Advance Fee: See the Account Opening Disclosure.

Balance Transfer or Convenience Check Fee: See the Account Opening 
Disclosure.

Late Payment Fee: If you do not pay at least the Minimum Payment Due 
by the Payment Due Date, you will be charged a Late Fee of $25.  If you are 
late more than once in a six month period, the Late Fee will go up to $35.  If 
you make payments on time for six months, the Late Fee will return to $25. 

Stop  Payment  Fee:    If  a  Convenience  Check  is  dishonored  or  when  a 
payment  of  a  Convenience  Check  is  stopped  at  your  request,  you  will  be 
charged  a  Stop  Payment  Fee  of  $25.    If  you  are  charged  a  Stop  Payment 
Fee more than once in a six month period, the Stop Payment Fee will go up 
to $35.  If you are not charged a Stop Payment Fee for six months, the Stop 
Payment Fee will return to $25.  

Foreign Transaction Fee:  There is a fee for transactions that take place 
outside of the United States, even if the currency used is U.S. Dollars. See 
the Account Opening Disclosure for details.

Rush Card Fee:  $35

Administrative Fees: If you request a copy of a Statement, sales draft or 
other record of your Account (including Convenience Checks) or if you request 
two or more Cards or any special services (for example, obtaining Cards on an 
expedited basis), we may charge you for these services.  We may also refer 
to these fees as the copy fee and the Card replacement fee, respectively.  In 
addition, if our representative initiates an express payment at your request, 
we may charge you a fee for this service.  We may also refer to this fee as the 
SpeedPay fee.  However, we will not charge you for Statements, sales drafts, 
or similar documents that you requested for a billing dispute you may assert 
under applicable law.  Other fees may apply for other services we provide 
that we will inform you about at the time the service is offered.

AUTHORIZATION/REFUSAL  TO  AUTHORIZE  TRANSACTIONS:    We  may 
decline, at any time, at our sole discretion, an authorization request for any 
transaction for any reason, including but not limited to:

•  Operational considerations;

•  Your Account is in default; and /or

•  We  suspect  fraudulent  or  unlawful  activity,  including  but  not  limited  to 
authorization  requests  from  online  gambling  merchants,  whether  or  not 
online gambling is illegal in the state in which you reside.

We  are  not  responsible  for  any  losses  or  damages,  including  consequential 
damages, if a transaction on your Account is declined, either by us or a third 
party, even if you have sufficient credit available. 

REFUSAL TO PAY CHECKS: Each Check you write drawn on your Account is 
your request for funds. When we receive a Check for payment, we may review 
your Account to decide whether to authorize that Check.  We may, but are not 
required  to,  reject  and  return  a  Check  unpaid  for  any  reason,  including  the 
following examples:

•  Your Account has not been activated.

•  You have used the Check after the date specified on it.

•  The Check is being used to pay on any outstanding payment or balance you 

owe us.

•  Your  Credit  Line  has  been  exceeded,  or  would  be  exceeded  if  we  paid  the 

Check.

•  The Check does not bear an authorized signer’s signature on file with us.

•  The Check is post-dated.  If a post-dated Check is paid, resulting in another 

item being returned or not paid, we are not responsible.

•  Your account is in default, or would be if we paid the Check.

applied in satisfaction of future Minimum Required Payments.  

RETURNS AND ADJUSTMENTS: Merchants and others who honor your Card 
may give credit for returns or adjustments, and they will do so be sending us 
a credit which will be posted to your Account.  If your credits and payments 
exceed what you owe us, the amount will be applied against future Purchases 
and Cash Advances.  You may request a refund of credit balances at any time.  
If you don’t request a refund, we will apply credit balances to new transactions 
unless a refund is required by law.

DEFAULT:  Your Account will be in default if:

•  we  do  not  receive  a  required  payment  when  due,  including  the  minimum 

payment by the date shown on your Statement; 

•  you exceed your credit limit;

•  you fail to comply with the terms of this Agreement; 

•  you  make  any  false  or  misleading  statements  or  omissions  on  your 

application; 

•  you file a bankruptcy petition or have one filed against you; 

•  we obtain information that causes us to believe that you may be unwilling or 
unable to pay your debts to us or to others on time including, but not limited 
to, your failure to make any payment to us on any other indebtedness or loan; 
or

•  you become incapacitated or die.  

PAYMENTS

Payment Due Date:  Payments are due on the payment due date shown on 
your  monthly  Statement.  Your  payment  must  be  received  by  5:00  p.m.  in 
order to be considered received as of that date.  Payments received after that 
time will be credited on the next Business Day.

Payment Instructions:  You must follow the payment instruction on your 
Statement. You must pay in U.S. dollars, without restrictive terms. We may 
accept  checks  marked  “Payment  in  Full”  or  with  words  of  similar  effect 
without losing any of our rights to collect the full balance of your Account.  

Minimum  Payment:  You  agree  to  pay  at  least  the  minimum  payment 
when due as shown on your billing statement.  You may pay more than the 
minimum payment due and may pay the full amount you owe us at any time.  
If you have a balance that is subject to Interest Charges, the sooner you make 
your payment, the less you will pay because Interest Charges accrue on your 
balance each day.  

The Minimum Payment is calculated as the greater of:

•  $25.00 or the full amount of your total balance if it is less than $25.00; or

•  2.5% of the new balance plus any Fees, Interest Charges, amounts over 
your  Credit  Line,  and/or  past  due  amounts.    The  payment  amount  is 
rounded to the nearest dollar.

Payment  Allocation:    We  will  allocate  your  minimum  payment  in  the 
manner we determine. We will apply the amount in excess of the minimum 
payment to balances with higher APRs before balances with lower APRs.  

LOST OR STOLEN CARDS: You agree to notify us immediately, verbally or in 
writing at 1.800.892.7957, (after hours call 1.877.661.4920), or PO Box 15950, 
Lenexa,  Kansas  66285-5950  if  any  Card,  Check,  Account  number  or  other 
means to access your Account is lost, stolen or used without your permission.  

GOVERNING LAW:  The terms and enforcement of this Agreement and your 
Account shall be governed and interpreted in accordance with federal law and, to 
the extent state law applies, the laws of the State of Missouri.  Fees are governed 
by section 408.145 RsMo.  If any part of this Agreement is unenforceable, this 
will not make any other part of this Agreement unenforceable. 

DELAYED ENFORCEMENT:  Our failure to exercise any of our rights when your 
Account is in default does not mean that we are unable to exercise those rights 
upon later default.  We will not lose any of our rights under this Agreement if 
we delay taking action for any reason.  We may accept late or partial payments, 
as  well  as  payments  marked  “Payment  in  Full”  or  with  other  restrictive 
endorsements  without  losing  any  of  our  rights  under  this  Agreement.    Any 
payment  amount  in  excess  of  the  Minimum  Required  Payment  will  not  be 

EFFECT OF AGREEMENT:  This Agreement is the contract which applies to all 
transactions on your Account even though the sales, cash advances, credit or 
other slips you sign may contain different terms.  We may amend this Agreement 
from time to time by sending you the advance written notice required by law.  
To the extent the law permits, and unless we indicate otherwise in our notice, 
amendments will apply to your existing Account balances as well as to future 
transactions.  This Card may also be tied to benefits associated with deposit 
accounts, as outlined in your deposit account agreement.

OTHER PROVISIONS:

•  Each Account you have with us is separate from any others you have with 
us, and Interest Charges will be charged on each Account’s balance at the 
APR given with each Account Opening Disclosures.  Each individual Account 
will have its own Account number.

  Your Card(s) are the property of CommunityAmerica Credit Union.

•  CommunityAmerica  Credit  Union  may  share  your  Account  experience 
and  transaction  information  with  its  affiliates,  which  are  members  of 
the  CommunityAmerica  family  of  companies  as  defined  in  your  Privacy 
Statement.    Please  refer  to  your  Privacy  Statement  for  your  options  on 
limiting sharing.

•  Collateral securing other loans with us may also secure this indebtedness.

•  You agree to notify us immediately if you change your address.

ARBITRATION OF DISPUTES – AGREEMENT TO ARBITRATE: In the event of 
any past, present or future claim or dispute (whether based upon contract, tort, 
statute of the United States or any state, common law or equity) between you 
and us arising from or relating to your Account, any prior account you have had 
with us, your applications, the relationships which result from your Account 
or the enforceability or scope of this arbitration provision, of the Agreement or 
of any prior agreement, you or we may elect to resolve the claim or dispute by 
binding arbitration.  All disputes over the arbitrability of specific issues shall be 
solved by the arbitrator.  Judgment upon the arbitration award may be entered 
in any court of competent jurisdiction.

EXCEPT FOR THE LIMITED INSTANCES SET FORTH BELOW, IF EITHER YOU 
OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT 
TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT 
CLAIM.    PRE-HEARING  DISCOVERY  RIGHTS  AND  POST-HEARING  APPEAL 
RIGHTS WILL BE LIMITED.  NEITHER YOU NOR WE SHALL BE ENTITLED TO 
JOIN  OR  CONSOLIDATE  CLAIMS  IN  ARBITRATION  BY  OR  AGAINST  OTHER 
CARDMEMBERS  WITH  RESPECT  TO  OTHER  ACCOUNTS,  OR  LITIGATE  IN 
COURT  OR  ARBITRATE  ANY  CLAIMS  AS  A  REPRESENTATIVE  OR  MEMBER 
OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY (“Class Action 
Waiver”).

Notwithstanding anything else to the contrary in this arbitration provision, only 
a  court,  and  not  an  arbitrator,  shall  determine  the  validity  and  effect  of  the 
Class Action Waiver.  Even if all parties have opted to litigate a claim in court, 
you or we may elect arbitration with respect to any claim made by a new party 
or any new claims later asserted in that lawsuit and nothing undertaken therein 
shall constitute a waiver of any rights under this arbitration provision.  We will 
not invoke our right to arbitrate an individual claim you bring in small claims 
court or your state’s equivalent court, if any, unless such action is transferred, 
removed or appealed to a different court.  Nothing contained herein shall limit 
our right to foreclose against or sell any collateral, whether real or personal, to 
exercise any right of setoff, or to obtain provisional or ancillary remedies from 
a court of competent jurisdiction before, during or after arbitration, including, 
but not limited to, our right to bring a legal proceeding against you in state or 
federal court to collect a debt owed by you.  The exercise of rights granted under 
this paragraph shall not be deemed a waiver of the right to compel arbitration.

Governing Law and Rules for Arbitration: Your Account involves interstate 
commerce and this provision shall be governed by the Federal Arbitration Act 
(“FAA”).  The arbitration shall be conducted, at the option of whoever files the 

arbitration claim, by either the American Arbitration Association (“AAA”) or 
the  National  Arbitration  Forum  (“NAF”)  in  accordance  with  their  procedures 
in effect when the claim is filed.  For a copy of their procedures, to file a claim 
or  for  other  information,  contact  AAA  at  335  Madison  Ave.,  Floor  10,  New 
York, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or NAF at PO Box 
50191, Minneapolis, MN 55405 (phone 1-800-474-2371).  No other arbitration 
forum will be permitted, except as agreed to pursuant to either the Effect of 
Agreement section or a writing signed by both parties.  Unless consented to by 
all parties, no arbitration may be administered by any administrator that has 
any  formal  or  informal  policy,  rule  or  procedure  that  is  inconsistent  with  or 
purports to override the terms of this section.

Fees and Cost of Arbitration: At your written request, we will advance any 
arbitration filing, administration and hearing fees which you would be required 
to pay to pursue a claim or dispute as a result of our electing to arbitrate that 
claim or dispute.  Send requests to CommunityAmerica Credit Union, c/o Credit 
Card Department, PO Box 15950, Lenexa, KS 66285-5950.  The arbitrator will 
decide who will ultimately be responsible for paying those fees.  You will only be 
responsible for paying or reimbursing our arbitration filing, administrative or 
hearing fees to the extent you would have been responsible for paying attorneys’ 
fees and court or other collection costs had the action proceeded in court.  In no 
event will you be required to pay any fees or costs incurred by us in connection 
with  an  arbitration  proceeding  where  such  a  payment  or  reimbursement  is 
prohibited by applicable law.

Hearings  and  Decisions:  Any  arbitration  hearing  will  take  place  in  the 
federal judicial district where you reside.  The arbitrator shall follow applicable 
substantive law to the extent consistent with the FAA and applicable statutes 
of limitations and shall honor claims of privilege recognized at law and shall 
be  authorized  to  award  all  remedies  permitted  by  the  substantive  laws  that 
would apply if the action were pending in court.  If requested by any party, 
the arbitrator shall write an opinion containing the reasons for the award.  The 
arbitrator’s decision will be final and binding except for any appeal rights under 
the FAA and except that if the amount in controversy exceeds $100,000, any 
party may appeal the award within 30 days to a three-arbitrator panel which 
shall  review  the  award  de  novo.    Unless  applicable  law  provides  otherwise, 
the appealing party will pay the cost of the appeal, regardless of its outcome.  
However,  we  will  consider  in  good  faith  any  reasonable  request  for  us  to 
bear  the  fees  charged  by  the  arbitration  administrator  and  the  arbitrators  in 
connection with the appeal.  Judgment upon any award by the arbitrator may be 
enforced in any court having jurisdiction.

Other  Beneficiaries  of  the  Arbitration  Provisions:  Our  rights  and 
obligations under this arbitration provision shall inure to the benefit of and be 
binding  upon  our  credit  union  service  organizations,  subsidiaries,  affiliates, 
predecessors,  successors,  assigns,  as  well  as  the  officers,  directors  and 
employees of each of these entities, and will also inure to the benefit of any 
third party named as a co-defendant with us or with any of the foregoing in a 
claim which is subject to this arbitration provision.  Your rights and obligations 
under this arbitration provision shall inure to the benefit of and be binding upon 
all persons contractually liable under this Agreement, and all authorized users 
of the Account.

Survival  of  this  Provision:  The  arbitration  provision  shall  survive 
termination of your Account as well as voluntary payment in full by you, any 
legal proceedings by us to collect a debt owed by you, any bankruptcy by you 
and any sale by us of your Account.

Right  to  Reject  Arbitration:  You  may  reject  the  Arbitration  of  Disputes 
section  by  providing  us  a  notice  of  rejection  within  30  days  after  receiving 
a Card at the following address: CommunityAmerica Credit Union, c/o Credit 
Card  Department,  PO  Box  15950,  Lenexa,  KS  66285-5950.    Your  rejection 
notice must include your name, address, telephone number, Account number, 
and signature, and must not be sent with any other correspondence.  Calling 
us to indicate that you reject the Arbitration of Disputes section or sending a 
rejection notice in a manner or format that does not comply with all applicable 
requirements is insufficient notice.  In order to process your notice, we require 
that  the  notice  be  provided  by  you  directly  and  not  through  a  third  party.  
Rejection  of  arbitration  will  not  affect  your  other  rights  or  responsibilities 
under this Agreement or your obligation to arbitrate disputes under any other 

account as to which you and we have agreed to arbitrate disputes.  If you do 
not send a rejection notice, you will be obligated by the Arbitration of Disputes 
section with respect to this and any prior account you have had with us, even if 
you have previously sent a rejection notice with respect to that prior account.

YOUR BILLING RIGHTS.  Keep this Notice for Future Use.

This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act.

•  What to do if you find a mistake on your statement

If you think there is an error on your Statement, write to us at:

CommunityAmerica Credit Union Customer Service: PO Box 31112, Tampa, 
Fl 33631-3112

In your letter, give us the following information:

-  Account information: Your name and account number.

-  Dollar amount: The dollar amount of the suspected error.

-  Description of problem: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake.

You must contact us:

-  Within 60 days after the error appeared on your statement.

-  At least 3 business days before an automated payment is scheduled, if you 
want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing.  You may call us, but if 
you do we are not required to investigate any potential errors and you may 
have to pay the amount in question.

•  What will happen after we receive your letter:

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received 
your letter.  We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error 

or explain to you why we believe the bill is correct.

•  While we investigate whether or not there has been an error:

-  We cannot try to collect the amount in question, or report you as delinquent 

on that amount.

-  The  charge  in  question  may  remain  on  your  statement,  and  we  may 

continue to charge you interest on that amount.

-  While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

-  We can apply any unpaid amount against your credit limit.

•  After we finish our investigation, one of two things will happen:

-  If we made a mistake: You will not have to pay the amount in question or 

any interest or other fees related to that amount.

-  If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees.  We will send you a 
statement of the amount you owe and the date payment is due.  We may 
then report you as delinquent if you do not pay the amount we think you 
owe.  

If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay.  If you do so, we 
cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been 
settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of 
the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 

the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of 
your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your purchase was based 
on an advertisement we mailed to you, or if we own the company that sold 
you the goods or services.)

2. You must have used your credit card for the purchase.  Purchases made with 
cash advances from an ATM or with a check that accesses your credit card 
account do not qualify.

3. You must have not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at:

Customer Service, PO Box 31112, Tampa, FL 33631-3112

While we investigate, the same rules apply to the disputed amount as discussed 
above.  After we finish our investigation, we 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 delinquent.

THIS CONTRACT CONTAINS A BINDING ARBITRATION PROVISION WHICH 
MAY BE ENFORCED BY THE PARTIES.

Revised 4/2012