collect on this Account, you agree to pay our reasonable at torney’s

fees and court costs. You will pay our reasonable attorney’s fees and

court costs whether the legal action we take is a collection lawsuit,

a  proceeding  to  protect  our  interests  if  you  become  a  bankruptcy

debtor, an appeal, an action to enforce a judgment, or any other type of

 proceeding. You authorize us to add reasonable collection costs to

your   Account  balance  and  charge  interest  on  them  at  the  rate

 applicable to cash advances. 

M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS

1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us

promptly of the loss, theft or other actual or possible unauthorized use

of any Card we issue to you. Call (800) 556-5678.  Although you are

generally not be liable for unauthorized use (except that you may be

 liable  for  up  to  $50  for  unauthorized  PIN-based  transactions),  all

SLFCU members benefit if unauthorized Card use losses are kept to a

Once you report your Card as lost or stolen, you agree not to

 attempt  to  use  it. A  replacement  card  will  usually  be  issued  to  you.

If you find your card after reporting it lost or stolen and attempt to use it,

a  merchant  may  capture  the  Card  and  you  will  have  to  pay  a  card

minimum.

 capture fee. 

If you report your Card as stolen, you agree to cooperate with our

investigation. Your failure to file a police report or otherwise cooperate

with our investigation may give us reasonable grounds to deny your

claim of unauthorized use. Although we will not close your Account solely

 because you exercise your rights to report unauthorized activity or other

errors under the Fair Credit Billing Act, our determination that your  report

of  unauthorized  Card  activity  was  not  made  in  good  faith  may  be

grounds for closing your Account to future use. If we decide that you

have an excessive number of lost or stolen cards, we may not issue a

 replacement card or open a new account for you. 

2.  Merchant Disputes. We are not responsible for the refusal of any

merchant  or  other  financial  institution  to  honor  you  Card.  We  are

 subject to good faith claims and defenses recognized by law (other

than tort claims) arising out of goods or services you purchase with

the Card, but only if you have made a good faith attempt but have been

unable  to  obtain  satisfaction  from  the  plan  merchant  and  (a)  your

 purchase  was  made  in  response  to  an  advertisement  we  sent  or

 participated  in  sending  you;  (b)  your  purchase  was  made  from  a

 merchant we own or operate; or (c) your purchase cost more than $50

and was made from a merchant in your state or within 100 miles of your

home. We are relieved from any liability if you have already paid us for

the  disputed transaction. Any other disputes you must resolve directly

with the merchant.

3.  Credits: A merchant who honors your Card and gives you credit

for returns or adjustments will do so by sending us a credit slip which

we will post to your Account. Subject to Section D.15 of this Agree-

ment, if your credits and/or payments exceed what you owe, we will

hold  and  apply  this  credit  balance  against  future  transactions,  or

 refund it on your written request if it is $1.00 or more.

N. TERMINATION

1.  We may terminate this Agreement and close your Account at any

time by sending you a written notice of the termination and the lawful

business reasons for so doing.

2. We can close your Account without prior notice if you fail to pay on

time, or we have evidence or a reasonable belief that you are unable or

unwilling to repay your Account balance. A significant increase in your

obligations, your filing for bankruptcy relief, your unemployment, your

failure  to  meet  other  obligations  you  have  to  us,  or  your  death,  are

 examples of circumstances that could lead us to close your Account

without notice. We will give you advance notice required by law for other

terminations. If we close your Account with or without notice due to your

breach of this Agreement or any other agreement you have with us, your

death or your bankruptcy, we can demand that you pay off the  entire bal-

3.  You can close your Account by sending us a written request and

cutting all issued Cards and courtesy checks in half and returning them

ance at once.

to us. 

This  notice  contains  important  information  about  your  rights  and

 purchase, contact us in writing at:

BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE

To use this right, all of the following must be true:

4.  If we or you close your Account, you agree to surrender all issued

Cards and courtesy checks to us. The Cards and courtesy checks remain

our  property.  Even  if  your Account  is  closed,  you  must  still  pay  your

 outstanding balance in full under the terms of this Agreement.

O. GENERAL TERMS

This Agreement  reflects  your  obligations  to  us  with  respect  to  all

 Account transactions you make even though sales, cash advance or credit

slips you sign may contain different terms. If any part of this Agreement is

found  to  be  invalid,  the  remaining  provisions  will  continue  in  effect.

It  will  not  be  construed  against  either  party.  Federal  law,  including

 Consumer Financial Protection Bureau Regulation Z, and any applicable

state  law  not  pre-empted  by   federal  law,  will  govern  this Agreement’s

 interpretation.

STATE AND LOCAL LAW

The following summary of your rights under federal law does not cover

all rights you may have under State and local law. If, under State or local

law, you have a longer of period of time in which to send an inquiry to us

concerning your statement, reliance on any such longer time period may

result in your losing important rights that could be preserved by acting more

promptly under federal law. State or local provisions, if any, only  become

operative upon the expiration of the time period provided by Consumer

 Financial Protection Bureau Regulation Z for submitting a proper written

notification of an error.

 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, you must write to us

at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services

P.O. Box 23040, Albuquerque, NM 87192-9910

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 the problem: If you think there is an error on your

statement, 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 automatic 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

at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing,

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.

 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 re-

ported 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 statement is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you 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. 

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 not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the

Sandia Laboratory Federal Credit Union, ATTN: Card Services

P.O. Box 23040, Albuquerque, NM 87192-9910

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.

NOTICE TO CALIFORNIA RESIDENTS

Under California law, our right to recover credit extended to you for credit

card purchases is subject to any defenses that you have against the seller if:

1. The purchase price of the item in question exceeded $50;

2. The purchase was made in California;

3.  You  made  a  written  demand  on  the  retailer  and  made  a  good  faith

 attempt to get satisfaction of your complaint; and

4. You notify us in writing of the name of the seller, the date of purchase, the

price paid, the goods or services purchased, and the acts that you took to

 obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the  amount

 outstanding on the purchase as well as late charges and finance charges at

the time we receive the written demand.

This remedy is the only one you have against us. Your rights are limited to

those circumstances outlined in California Civil Code §1747.90. Purchases

with cash or check are not included in this section even though you used your

credit card to validate your credit. 

We cannot penalize you by either giving out unfavorable credit information

about you or canceling or refusing to renew your credit card solely  because

you obtained relief under the remedies you have for correcting billing errors.

ATM DISCLOSURE

This part of this disclosure includes special provisions applicable to the use

of the Card to obtain cash advances at Automated Teller Machines (ATMs).

This disclosure addresses only credit card cash advances at ATMs. Refer to

your separate Electronic Funds Transfer disclosure for a complete disclosure

Available Services

The ATM you use may restrict the number of credit card transactions and

the  amount  of  each  transaction.    Each  ATM  owner  determines  hours  of

 service, but ATMs are generally available 24 hours a day, 7 days a week,

 subject to periodic closures for maintenance.

Documentation of Transactions

The ATM may generate a receipt for cash advance transaction, and ATM

cash advance transactions will appear on your monthly statement.

• While  you  do  not  have  to  pay  the  amount  in  question,  you  are

of terms applicable to ATM Cards and Debit Cards. 

Credit Union Liability

We will not be liable for failure to complete cash advance transactions if:

1.  Your Account does not have available credit to make the transaction; 

2. The ATM system was not working properly and you knew about the break-

down when you started the transaction;

stolen and we have blocked its use;

3. Your personal identification number (PIN) or Card has been reported lost or

4. Circumstances beyond our control, such as communication malfunction, fire,

flood, electrical failure, or malfunction of the central data processing facility pre-

vent completion of the transaction despite our reasonable precautions; or

5. We establish other lawful exceptions and notify you of them. 

Security

Do not use an ATM machine unless it appears safe to do so. Do not key in your

PIN if someone is looking. Take your Card, receipt and money when you are done,

put your money away quickly, and leave the site.

NOTICE TO CO-SIGNER

(Traduccion en Ingles Requiere Por La Ley)

You are being asked to guarantee this debt. Think carefully

before you do. If the borrower doesn’t pay the debt, you will

have to. Be sure you can afford to pay if you have to, and that

you want to accept this responsibility. 

You may have to pay up to the full amount of the debt if the

borrower does not pay. You may also have to pay late fees or

collection costs, which increase this amount.

The creditor can collect this debt from you without first try-

ing to collect from the borrower. The creditor can use the same

collection methods against you that can be used against the

borrower, such as suing you, garnishing your wages, etc. If

this debt is ever in default, that fact may  become part of your

This  notice  is  not  the  contract  that  makes  you  liable

credit record.

for the debt.

AISO PARA EL FIADOR

(Spanish Translation Required by Law)

Se le está pidiendo que garantice esta deuda. Piénselo con

cuidado antes de ponerse de acuerdo. Si la persona que ha

pedido este préstamo no paga la deuda, usted  tendrá que

 pagarla. Esté seguro de que usted podrá pagar si sea obligado

a pagarla y de que usted desea aceptar la responsabilidad.

Si la persona que ha pedido el préstamo no paga la deuda,

es posible que usted tenga que pagar la suma total de la

deuda, mas los cargos por tardarse en el pago o el costo de

cobranza, lo cual aumenta el total de esta suma. 

El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,

primeramente, tratar do cobrarle al deudor. Los mismos meto-

dos de cobranza que pueden usarse contra el deudor, podran

usarse contra usted, tales como presentar una  demanda en

corte, quitar parte de su sueldo, etc. Si  alguna ves no se

cumpla  con  la  obligación  de  pagar  esta  deuda,  se  puede

 incluir esa información en la historia de credito de usted.

Este aviso no es el contrato mismo en que se le hecha

a usted la responsabilidad de la deuda.

VISA® and MasterCard® Credit Card Agreement
and Truth in Lending Disclosure

Interest Rate and Interest Charges

Annual Percentage
Rate (APR)
for Purchases

9.25% VISA® Gold with No Rebate
9.75% VISA® Classic or MasterCard®
with No Rebate
11.00% VISA® Gold with Rebate
11.50% VISA® Classic or MasterCard®
with Rebate
11.50% VISA® Student Card

with Rebate

APR for Balance
Transfers

APR for Cash
Advances

Same as above

Same as above

Penalty APR and
When It Applies

None

How To Avoid
Paying Interest

Your due date is at least 25 days after the
close of each billing cycle. We will not charge
you any interest on purchases if you pay your
entire balance by the due date each month.
We will begin charging interest on cash
 advances and balance transfers on the
 transaction date. 

Minimum Interest
Charge

None

For Credit Card
Tips from the
Consumer Financial
Protection Bureau

To learn more about factors to consider
when applying for or using a credit
card, visit the website of the Consumer
Financial Protection Bureau at
www.consumerfinance.gov/learnmore

Fees

Annual Fees

None

Transaction Fees

• Balance Transfers
• Cash Advances
• Foreign
Transactions

Penalty Fees

• Late Payment
• Over-the-Credit

Limit
• Returned
Payment

None
$5.00
1% of each transaction in US dollars

Up to $20
Up to $20

Up to $20

© 2013  Greene & Allison LLP. All rights reserved.  

M #110057-B

How  We  Will  Calculate Your  Balance:  Average  daily  balance  including  new
 purchases. See your account agreement for more details. 

How  We  Will  Calculate Your  Balance:  Average  daily  balance  including  new
 purchases. See your account agreement for more details. 

How  We  Will  Calculate Your  Balance:  Average  daily  balance  including  new
 purchases. See your account agreement for more details. 

Billing  Rights: Information  on  our  rights  to  dispute  transactions  and  how  to
 exercise those rights is provided in your account agreement.

Billing  Rights: Information  on  our  rights  to  dispute  transactions  and  how  to
 exercise those rights is provided in your account agreement.

Billing  Rights: Information  on  our  rights  to  dispute  transactions  and  how  to
 exercise those rights is provided in your account agreement.

Monthly Periodic 
Rates: 

Monthly Periodic 
Monthly Periodic 
Rates: 
Rates: 

VISA® Gold with No Rebate: 0.77%
VISA® Classic or MasterCard® with No Rebate: 0.81%
VISA® Gold with Rebate: 0.92%
VISA® Classic or MasterCard® with Rebate: 0.96%
VISA® Student Card with Rebate: 0.96%

VISA® Gold with No Rebate: 0.77%
VISA® Gold with No Rebate: 0.77%
VISA® Classic or MasterCard® with No Rebate: 0.81%
VISA® Classic or MasterCard® with No Rebate: 0.81%
VISA® Gold with Rebate: 0.92%
VISA® Gold with Rebate: 0.92%
VISA® Classic or MasterCard® with Rebate: 0.96%
VISA® Classic or MasterCard® with Rebate: 0.96%
VISA® Student Card with Rebate: 0.96%
VISA® Student Card with Rebate: 0.96%

The extension of credit to you under this Agreement will be subject to the  following
terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this
entire Agreement and keep a copy for your records.  “Applicant” refers to any per-
son who signs the Credit Application, will receive a VISA® or MasterCard® Credit
Card and will use the VISA® or MasterCard® Credit Card  Account. A Credit Card
 Account may have one or more Applicants. “Co-Signer” refers to a person who
signs a Credit Application and is responsible for all charges incurred using the
Credit Card Account but who will not be issued a Card and will not use the  Account.
   “Credit Union,” “we” and “us” refer to Sandia Laboratory Federal Credit Union. “You”
and “your” refer to any Applicant and, if the context indicates, to any Co-Signer. “Ac-
count” refers to the line of credit established under this Agreement. “Card” refers
to the credit card(s) issued under this Agreement. The singular implies the plural if
there is more than one Applicant or Co-Signer.

The extension of credit to you under this Agreement will be subject to the  following
terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this
entire Agreement and keep a copy for your records.  “Applicant” refers to any per-
son who signs the Credit Application, will receive a VISA® or MasterCard® Credit
Card and will use the VISA® or MasterCard® Credit Card  Account. A Credit Card
 Account may have one or more Applicants. “Co-Signer” refers to a person who
signs a Credit Application and is responsible for all charges incurred using the
Credit Card Account but who will not be issued a Card and will not use the  Account.
   “Credit Union,” “we” and “us” refer to Sandia Laboratory Federal Credit Union. “You”
and “your” refer to any Applicant and, if the context indicates, to any Co-Signer. “Ac-
count” refers to the line of credit established under this Agreement. “Card” refers
to the credit card(s) issued under this Agreement. The singular implies the plural if
there is more than one Applicant or Co-Signer.

The extension of credit to you under this Agreement will be subject to the  following
terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this
entire Agreement and keep a copy for your records.  “Applicant” refers to any per-
son who signs the Credit Application, will receive a VISA® or MasterCard® Credit
Card and will use the VISA® or MasterCard® Credit Card  Account. A Credit Card
 Account may have one or more Applicants. “Co-Signer” refers to a person who
signs a Credit Application and is responsible for all charges incurred using the
Credit Card Account but who will not be issued a Card and will not use the  Account.
   “Credit Union,” “we” and “us” refer to Sandia Laboratory Federal Credit Union. “You”
and “your” refer to any Applicant and, if the context indicates, to any Co-Signer. “Ac-
count” refers to the line of credit established under this Agreement. “Card” refers
to the credit card(s) issued under this Agreement. The singular implies the plural if
there is more than one Applicant or Co-Signer.

A. LOAN ADVANCES

A. LOAN ADVANCES

a Card and will be able to use the Account.

a Card and will be able to use the Account.

1.  You affirm that any Account established for you under this Agreement will be
used for personal, family or household purposes and not for business purposes.
2.  If the Credit Union approves your application, each Applicant will be issued

3.  To make a purchase or get a cash advance, you can present the Card to a
participating VISA / MasterCard plan merchant, to the Credit Union, or to  another
financial institution, and sign the sales or cash advance draft imprinted with your
Card number. Keep sales and cash advance drafts to reconcile your monthly
statements. You  can  also  make  purchases  by  giving  your  Card  number  to  a
 merchant by telephone, over the Internet, or by other means, in which case your
only  record  of  the  transaction  may  be  your  monthly  statement. You  can  also
 access  the Account  to  obtain  cash  advances  at  designated ATMs,  subject  to
 additional ATM terms at the end of this Agreement, and to obtain cash advances
via  CU@home  online  banking  in  the  form  of  either  a  deposit  of  the  advance
amount to an SLFCU  account that you designate or a check payable to you and
mailed to you at the  address we have for you in our records. 

A. LOAN ADVANCES
1.  You affirm that any Account established for you under this Agreement will be
1.  You affirm that any Account established for you under this Agreement will be
used for personal, family or household purposes and not for business purposes.
used for personal, family or household purposes and not for business purposes.
2.  If the Credit Union approves your application, each Applicant will be issued
2.  If the Credit Union approves your application, each Applicant will be issued
a Card and will be able to use the Account.
3.  To make a purchase or get a cash advance, you can present the Card to a
3.  To make a purchase or get a cash advance, you can present the Card to a
participating VISA / MasterCard plan merchant, to the Credit Union, or to  another
participating VISA / MasterCard plan merchant, to the Credit Union, or to  another
financial institution, and sign the sales or cash advance draft imprinted with your
financial institution, and sign the sales or cash advance draft imprinted with your
Card number. Keep sales and cash advance drafts to reconcile your monthly
Card number. Keep sales and cash advance drafts to reconcile your monthly
statements. You  can  also  make  purchases  by  giving  your  Card  number  to  a
statements. You  can  also  make  purchases  by  giving  your  Card  number  to  a
 merchant by telephone, over the Internet, or by other means, in which case your
 merchant by telephone, over the Internet, or by other means, in which case your
only  record  of  the  transaction  may  be  your  monthly  statement. You  can  also
only  record  of  the  transaction  may  be  your  monthly  statement. You  can  also
 access  the Account  to  obtain  cash  advances  at  designated ATMs,  subject  to
 access  the Account  to  obtain  cash  advances  at  designated ATMs,  subject  to
 additional ATM terms at the end of this Agreement, and to obtain cash advances
 additional ATM terms at the end of this Agreement, and to obtain cash advances
via  CU@home  online  banking  in  the  form  of  either  a  deposit  of  the  advance
via  CU@home  online  banking  in  the  form  of  either  a  deposit  of  the  advance
amount to an SLFCU  account that you designate or a check payable to you and
amount to an SLFCU  account that you designate or a check payable to you and
mailed to you at the  address we have for you in our records. 
mailed to you at the  address we have for you in our records. 
4.  We may issue courtesy checks on this Account from time to time.  Any
4.  We may issue courtesy checks on this Account from time to time.  Any
4.  We may issue courtesy checks on this Account from time to time.  Any
 Applicant may sign a courtesy check payable to any person or entity that accepts
 Applicant may sign a courtesy check payable to any person or entity that accepts
 Applicant may sign a courtesy check payable to any person or entity that accepts
personal checks. When we pay the courtesy check, it will post to the Account as a
personal checks. When we pay the courtesy check, it will post to the Account as a
personal checks. When we pay the courtesy check, it will post to the Account as a
cash advance. There is no additional charge for printing or using courtesy checks
cash advance. There is no additional charge for printing or using courtesy checks
cash advance. There is no additional charge for printing or using courtesy checks
other than the cash advance fee, but if you request special handling, such as a
other than the cash advance fee, but if you request special handling, such as a
other than the cash advance fee, but if you request special handling, such as a
stop payment, we may charge you the same fee we would charge for the same
stop payment, we may charge you the same fee we would charge for the same
stop payment, we may charge you the same fee we would charge for the same
service  on  a  regular SLFCU  check  (share  draft).  Fees  for  special  handling  of
service  on  a  regular SLFCU  check  (share  draft).  Fees  for  special  handling  of
service  on  a  regular SLFCU  check  (share  draft).  Fees  for  special  handling  of
checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy
checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy
checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy
checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued
checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued
checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued
to you are lost or stolen and to report any unauthorized special checks that appear
to you are lost or stolen and to report any unauthorized special checks that appear
to you are lost or stolen and to report any unauthorized special checks that appear
on  your Account  statements.  We  operate  in  an  automated  check-processing
on  your Account  statements.  We  operate  in  an  automated  check-processing
on  your Account  statements.  We  operate  in  an  automated  check-processing
 environment and in almost all cases we do not physically  examine checks that
 environment and in almost all cases we do not physically  examine checks that
 environment and in almost all cases we do not physically  examine checks that
clear. You agree that we have the right but not the obligation to refuse to pay
clear. You agree that we have the right but not the obligation to refuse to pay
clear. You agree that we have the right but not the obligation to refuse to pay
 courtesy checks that are not signed by an Applicant, and we will not be respon sible
 courtesy checks that are not signed by an Applicant, and we will not be respon sible
 courtesy checks that are not signed by an Applicant, and we will not be respon sible
for any  unauthorized courtesy checks if you fail to  report them within 60 days after
for any  unauthorized courtesy checks if you fail to  report them within 60 days after
for any  unauthorized courtesy checks if you fail to  report them within 60 days after
we send you the first statement on which they appear. If you wish to stop payment
we send you the first statement on which they appear. If you wish to stop payment
we send you the first statement on which they appear. If you wish to stop payment
on a courtesy check, you must notify us before the check is presented to us for
on a courtesy check, you must notify us before the check is presented to us for
on a courtesy check, you must notify us before the check is presented to us for
 payment, and you must provide the exact dollar amount and check number or we
 payment, and you must provide the exact dollar amount and check number or we
 payment, and you must provide the exact dollar amount and check number or we
may not be able to find it and stop it. We will not be responsible for failure to stop
may not be able to find it and stop it. We will not be responsible for failure to stop
may not be able to find it and stop it. We will not be responsible for failure to stop
 courtesy check payments if you do not give us the exact information we require in
 courtesy check payments if you do not give us the exact information we require in
 courtesy check payments if you do not give us the exact information we require in
sufficient time (at least one business day prior to  presentment) for us to act on your
sufficient time (at least one business day prior to  presentment) for us to act on your
sufficient time (at least one business day prior to  presentment) for us to act on your
request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy
request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy
request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy
check clears, you must resolve any  disputes directly with the payee. 
check clears, you must resolve any  disputes directly with the payee. 
check clears, you must resolve any  disputes directly with the payee. 
5.  This Account will be open-end or revolving. This means you can borrow the
5.  This Account will be open-end or revolving. This means you can borrow the
full amount of the credit limit, repay the principal in full or in part, and borrow again
full amount of the credit limit, repay the principal in full or in part, and borrow again
up to your credit limit as long as you remain creditworthy and a member of SLFCU
up to your credit limit as long as you remain creditworthy and a member of SLFCU
in  good  standing. To  remain  in  good  standing,  you  must  meet  all  of  your
in  good  standing. To  remain  in  good  standing,  you  must  meet  all  of  your
 obligations to SLFCU.
 obligations to SLFCU.

5.  This Account will be open-end or revolving. This means you can borrow the
full amount of the credit limit, repay the principal in full or in part, and borrow again
up to your credit limit as long as you remain creditworthy and a member of SLFCU
in  good  standing. To  remain  in  good  standing,  you  must  meet  all  of  your
 obligations to SLFCU.

6.  We have the right to refuse to allow you to use your Account for new trans-
actions. We will notify you in writing of the reason for any such denial of credit.
Reasons we can deny you credit include but are not limited to your already  having
borrowed up to your credit limit, an adverse change in your credit standing, your
failure to meet loan- or account-related obligations to us, or our reasonable belief
that a requested transaction is illegal or unauthorized. 

6.  We have the right to refuse to allow you to use your Account for new trans-
6.  We have the right to refuse to allow you to use your Account for new trans-
actions. We will notify you in writing of the reason for any such denial of credit.
actions. We will notify you in writing of the reason for any such denial of credit.
Reasons we can deny you credit include but are not limited to your already  having
Reasons we can deny you credit include but are not limited to your already  having
borrowed up to your credit limit, an adverse change in your credit standing, your
borrowed up to your credit limit, an adverse change in your credit standing, your
failure to meet loan- or account-related obligations to us, or our reasonable belief
failure to meet loan- or account-related obligations to us, or our reasonable belief
that a requested transaction is illegal or unauthorized. 
that a requested transaction is illegal or unauthorized. 
7.  You are not permitted to use your Account for illegal transactions such as
7.  You are not permitted to use your Account for illegal transactions such as
 illegal Internet gambling. We have the right but not the duty to refuse to authorize
 illegal Internet gambling. We have the right but not the duty to refuse to authorize
a  transaction  if  we  reasonably  believe  it  is  illegal.  Responsibility  for  deter -
a  transaction  if  we  reasonably  believe  it  is  illegal.  Responsibility  for  deter -
mining the legality of transactions rests with you, not with us. You cannot use the
mining the legality of transactions rests with you, not with us. You cannot use the
actual  or  alleged  illegality  of  an  authorized  transaction  on  your Account  as  a
actual  or  alleged  illegality  of  an  authorized  transaction  on  your Account  as  a
 defense to your obligation to pay it.
 defense to your obligation to pay it.

7.  You are not permitted to use your Account for illegal transactions such as
 illegal Internet gambling. We have the right but not the duty to refuse to authorize
a  transaction  if  we  reasonably  believe  it  is  illegal.  Responsibility  for  deter -
mining the legality of transactions rests with you, not with us. You cannot use the
actual  or  alleged  illegality  of  an  authorized  transaction  on  your Account  as  a
 defense to your obligation to pay it.

8.  You  are  not  permitted  to  transfer  one  SLFCU  credit  card  balance  to 
8.  You  are  not  permitted  to  transfer  one  SLFCU  credit  card  balance  to 
8.  You  are  not  permitted  to  transfer  one  SLFCU  credit  card  balance  to 
another SLFCU credit card Account, and you may not use advances on an SLFCU
another SLFCU credit card Account, and you may not use advances on an SLFCU
another SLFCU credit card Account, and you may not use advances on an SLFCU
Credit Card Account to pay other obligations you have to SLFCU.
Credit Card Account to pay other obligations you have to SLFCU.
Credit Card Account to pay other obligations you have to SLFCU.

9.  You will generally not be allowed to exceed your credit limit unless you opt
9.  You will generally not be allowed to exceed your credit limit unless you opt
9.  You will generally not be allowed to exceed your credit limit unless you opt
in to doing so in writing and agree to pay a fee each time you exceed your limit.
in to doing so in writing and agree to pay a fee each time you exceed your limit.
in to doing so in writing and agree to pay a fee each time you exceed your limit.
Exceeding your credit limit may adversely affect your credit standing.
Exceeding your credit limit may adversely affect your credit standing.
Exceeding your credit limit may adversely affect your credit standing.

B. REPAYMENT OBLIGATIONS

B. REPAYMENT OBLIGATIONS

B. REPAYMENT OBLIGATIONS
1.  Each Applicant and Co-Signer is obligated to repay the Account under the
terms of this Agreement.

1.  Each Applicant and Co-Signer is obligated to repay the Account under the

1.  Each Applicant and Co-Signer is obligated to repay the Account under the

terms of this Agreement.

terms of this Agreement.

3. Each Applicant and Co-Signer remains obligated to repay all obligations
 incurred under this Agreement until we are notified in writing to close the  Account
and all issued Cards are returned to us. Closing of the Account will not relieve
any Applicant or Co-Signer of payment obligations incurred prior to our receipt of
notice to close the Account.

2.  Each Applicant  and  Co-Signer  is  also  obligated  to  repay  any  charges
2.  Each Applicant  and  Co-Signer  is  also  obligated  to  repay  any  charges
2.  Each Applicant  and  Co-Signer  is  also  obligated  to  repay  any  charges
 resulting from the use of the Account by an Authorized User, regardless of whether
 resulting from the use of the Account by an Authorized User, regardless of whether
 resulting from the use of the Account by an Authorized User, regardless of whether
the Authorized User stays within the limits of permission given to use the Account.
the Authorized User stays within the limits of permission given to use the Account.
the Authorized User stays within the limits of permission given to use the Account.
We are not subject to agreements between you and Authorized Users limiting their
We are not subject to agreements between you and Authorized Users limiting their
We are not subject to agreements between you and Authorized Users limiting their
use of the Account. An Authorized User is any person to whom an Applicant or
use of the Account. An Authorized User is any person to whom an Applicant or
use of the Account. An Authorized User is any person to whom an Applicant or
Co-Signer has given actual, implied or apparent permission the Account. 
Co-Signer has given actual, implied or apparent permission the Account. 
Co-Signer has given actual, implied or apparent permission the Account. 
3. Each Applicant and Co-Signer remains obligated to repay all obligations
3. Each Applicant and Co-Signer remains obligated to repay all obligations
 incurred under this Agreement until we are notified in writing to close the  Account
 incurred under this Agreement until we are notified in writing to close the  Account
and all issued Cards are returned to us. Closing of the Account will not relieve
and all issued Cards are returned to us. Closing of the Account will not relieve
any Applicant or Co-Signer of payment obligations incurred prior to our receipt of
any Applicant or Co-Signer of payment obligations incurred prior to our receipt of
notice to close the Account.
notice to close the Account.
5.    Each Applicant  and  Co-Signer  remains  bound  to  repay  all  obligations
5.    Each Applicant  and  Co-Signer  remains  bound  to  repay  all  obligations
5.    Each Applicant  and  Co-Signer  remains  bound  to  repay  all  obligations
 incurred under this Agreement, even though another person has been directed to
 incurred under this Agreement, even though another person has been directed to
 incurred under this Agreement, even though another person has been directed to
pay the debt by an agreement or court order to which we are not a party, such as
pay the debt by an agreement or court order to which we are not a party, such as
pay the debt by an agreement or court order to which we are not a party, such as
a divorce decree. Any release from the obligation to pay under this Agreement
a divorce decree. Any release from the obligation to pay under this Agreement
a divorce decree. Any release from the obligation to pay under this Agreement
must be either (a) in writing and signed by an authorized SLFCU employee or
must be either (a) in writing and signed by an authorized SLFCU employee or
must be either (a) in writing and signed by an authorized SLFCU employee or
(b) pursuant to a court order in an action to which SLFCU is a party.
(b) pursuant to a court order in an action to which SLFCU is a party.
(b) pursuant to a court order in an action to which SLFCU is a party.
6.  Co-Signers, who do not have access to the Account but are liable to repay
6.  Co-Signers, who do not have access to the Account but are liable to repay
it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice
it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice
to Co-Signer.
to Co-Signer.

6.  Co-Signers, who do not have access to the Account but are liable to repay
it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice
to Co-Signer.

C. CREDIT REVIEW

C. CREDIT REVIEW

C. CREDIT REVIEW
We will set a credit limit on your Account and review your Account from time to
We will set a credit limit on your Account and review your Account from time to
time. We may consider your credit history with third parties such as credit  bureaus,
time. We may consider your credit history with third parties such as credit  bureaus,
your history of meeting your obligations to SLFCU, and updated financial infor-
your history of meeting your obligations to SLFCU, and updated financial infor-
mation we request from you. Based on our review, we may increase or  decrease
mation we request from you. Based on our review, we may increase or  decrease
your credit limit, increase or decrease your interest rate, or close your  Account.
your credit limit, increase or decrease your interest rate, or close your  Account.
We will give you notice required by law if we make changes adverse to you. You
We will give you notice required by law if we make changes adverse to you. You
can  request  a  credit  limit  increase  by  submitting  a  written  application  to  us.
can  request  a  credit  limit  increase  by  submitting  a  written  application  to  us.
All Credit Cards issued or re-issued are subject to approval. If your Account has
All Credit Cards issued or re-issued are subject to approval. If your Account has
been inactive for six consecutive months, it may not be automatically renewed.
been inactive for six consecutive months, it may not be automatically renewed.

We will set a credit limit on your Account and review your Account from time to
time. We may consider your credit history with third parties such as credit  bureaus,
your history of meeting your obligations to SLFCU, and updated financial infor-
mation we request from you. Based on our review, we may increase or  decrease
your credit limit, increase or decrease your interest rate, or close your  Account.
We will give you notice required by law if we make changes adverse to you. You
can  request  a  credit  limit  increase  by  submitting  a  written  application  to  us.
All Credit Cards issued or re-issued are subject to approval. If your Account has
been inactive for six consecutive months, it may not be automatically renewed.

D. REPAYMENT TERMS

D. REPAYMENT TERMS

1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail-
ing payment to us at the address designated on your billing statement, all sums
 advanced to you under this Agreement at any time plus interest and other fees and
charges incurred under this Agreement. The Finance Charge is the amount of
money you pay for the money you borrow. The interest component of the
 Finance Charge is based on an Annual Percentage Rate.

D. REPAYMENT TERMS
1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail-
1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail-
ing payment to us at the address designated on your billing statement, all sums
ing payment to us at the address designated on your billing statement, all sums
 advanced to you under this Agreement at any time plus interest and other fees and
 advanced to you under this Agreement at any time plus interest and other fees and
charges incurred under this Agreement. The Finance Charge is the amount of
charges incurred under this Agreement. The Finance Charge is the amount of
money you pay for the money you borrow. The interest component of the
money you pay for the money you borrow. The interest component of the
 Finance Charge is based on an Annual Percentage Rate.
 Finance Charge is based on an Annual Percentage Rate.
2.    Grace  Period  on  Purchases:  If  you  paid  your  previous  statement’s
2.    Grace  Period  on  Purchases:  If  you  paid  your  previous  statement’s
 balance in full before its due date, or you  had no previous balance at the
 balance in full before its due date, or you  had no previous balance at the
 beginning of the billing cycle, you will have a grace period of 25 days on
 beginning of the billing cycle, you will have a grace period of 25 days on
 average to pay your purchase balance without interest finance charges. If you
 average to pay your purchase balance without interest finance charges. If you
do not pay your  balance in full before the end of the grace period,  interest will
do not pay your  balance in full before the end of the grace period,  interest will
be assessed on your entire outstanding balance including new purchases.
be assessed on your entire outstanding balance including new purchases.
3. The interest rate on your Account will depend on which credit card you
3. The interest rate on your Account will depend on which credit card you
request and will be established when we open your Account. The ANNUAL
request and will be established when we open your Account. The ANNUAL
PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card  Account
PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card  Account

2.    Grace  Period  on  Purchases:  If  you  paid  your  previous  statement’s
 balance in full before its due date, or you  had no previous balance at the
 beginning of the billing cycle, you will have a grace period of 25 days on
 average to pay your purchase balance without interest finance charges. If you
do not pay your  balance in full before the end of the grace period,  interest will
be assessed on your entire outstanding balance including new purchases.

3. The interest rate on your Account will depend on which credit card you
request and will be established when we open your Account. The ANNUAL
PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card  Account

8.  You can repay the balance you owe, including accrued finance

programs are shown at the top of this Agreement. You will receive a sep-
arate written notice before you become obligated informing you of the
type of Credit Card Account we have opened for you and your credit
limit. Rates  applicable to your Account will also be disclosed to you on
periodic  statements we will send you. 

programs are shown at the top of this Agreement. You will receive a sep-
arate written notice before you become obligated informing you of the
type of Credit Card Account we have opened for you and your credit
limit. Rates  applicable to your Account will also be disclosed to you on
periodic  statements we will send you. 

6. Calculation of Finance Charges: Average Daily Balance Method.
 Interest is calculated separately for purchase balances and cash advance
 balances. We arrive at the interest portion of the Finance Charge for each
balance type by first calculating the average daily Account balance for
the statement period. To obtain the daily Account balances of purchases,
we add any new purchases to the previous day’s purchase balance, then
 subtract any payments or other credits applied to the purchase balance.
To obtain the daily Account balances of cash advances, we add any new
cash advances to the previous day’s cash advance balance, then sub-
tract any payments or other credits applied to the cash advance balance.
We then total the daily balances for the statement period and divide by
the number of days in the period to get the Average Daily Balance. This
figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to
 obtain the interest component of the Finance Charge.

programs are shown at the top of this Agreement. You will receive a sep-
arate written notice before you become obligated informing you of the
type of Credit Card Account we have opened for you and your credit
limit. Rates  applicable to your Account will also be disclosed to you on
periodic  statements we will send you. 
4. We have the right to change the interest rate applicable to your
4. We have the right to change the interest rate applicable to your
4. We have the right to change the interest rate applicable to your
 Account for any lawful reason, including but not limited to our review of
 Account for any lawful reason, including but not limited to our review of
 Account for any lawful reason, including but not limited to our review of
your Account (see Section C of this Agreement) by giving you notice
your Account (see Section C of this Agreement) by giving you notice
your Account (see Section C of this Agreement) by giving you notice
 required by law. Any increased interest rate will apply only to transac-
 required by law. Any increased interest rate will apply only to transac-
 required by law. Any increased interest rate will apply only to transac-
tions initiated at least 14 days after we send you the notice.
tions initiated at least 14 days after we send you the notice.
tions initiated at least 14 days after we send you the notice.
5. Your minimum monthly payment will be the greater of 3% of the
5. Your minimum monthly payment will be the greater of 3% of the
5. Your minimum monthly payment will be the greater of 3% of the
current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent
current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent
current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent
amounts. If your balance is less than $20, you must pay it in full. 
amounts. If your balance is less than $20, you must pay it in full. 
amounts. If your balance is less than $20, you must pay it in full. 
6. Calculation of Finance Charges: Average Daily Balance Method.
6. Calculation of Finance Charges: Average Daily Balance Method.
 Interest is calculated separately for purchase balances and cash advance
 Interest is calculated separately for purchase balances and cash advance
 balances. We arrive at the interest portion of the Finance Charge for each
 balances. We arrive at the interest portion of the Finance Charge for each
balance type by first calculating the average daily Account balance for
balance type by first calculating the average daily Account balance for
the statement period. To obtain the daily Account balances of purchases,
the statement period. To obtain the daily Account balances of purchases,
we add any new purchases to the previous day’s purchase balance, then
we add any new purchases to the previous day’s purchase balance, then
 subtract any payments or other credits applied to the purchase balance.
 subtract any payments or other credits applied to the purchase balance.
To obtain the daily Account balances of cash advances, we add any new
To obtain the daily Account balances of cash advances, we add any new
cash advances to the previous day’s cash advance balance, then sub-
cash advances to the previous day’s cash advance balance, then sub-
tract any payments or other credits applied to the cash advance balance.
tract any payments or other credits applied to the cash advance balance.
We then total the daily balances for the statement period and divide by
We then total the daily balances for the statement period and divide by
the number of days in the period to get the Average Daily Balance. This
the number of days in the period to get the Average Daily Balance. This
figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to
figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to
 obtain the interest component of the Finance Charge.
 obtain the interest component of the Finance Charge.
7.  We will apply payments on your Account first to fees such as late
7.  We will apply payments on your Account first to fees such as late
7.  We will apply payments on your Account first to fees such as late
fees, then to interest, then to principal. If your payment exceeds the
fees, then to interest, then to principal. If your payment exceeds the
fees, then to interest, then to principal. If your payment exceeds the
 required minimum, any excess will be applied to higher rate balances
 required minimum, any excess will be applied to higher rate balances
 required minimum, any excess will be applied to higher rate balances
before it is  applied to lower rate balances. If purchase and cash advance
before it is  applied to lower rate balances. If purchase and cash advance
before it is  applied to lower rate balances. If purchase and cash advance
balances bear interest at the same rate, payments are applied first to
balances bear interest at the same rate, payments are applied first to
balances bear interest at the same rate, payments are applied first to
 previously billed  purchases, then to previously billed cash advances,
 previously billed  purchases, then to previously billed cash advances,
 previously billed  purchases, then to previously billed cash advances,
then to current cash  advances, then to current purchases.
then to current cash  advances, then to current purchases.
then to current cash  advances, then to current purchases.
8.  You can repay the balance you owe, including accrued finance
charges, in full at any time without a prepayment penalty.
9.  Increases  in  the  outstanding  balance  increase  the  required
 minimum payment, which will be reflected in the monthly statement.
10. We will send you periodic statements of your Account which will  advise
10. We will send you periodic statements of your Account which will  advise
you of the status of your Account and any information required by law.
you of the status of your Account and any information required by law.
11. You will make monthly payments on or before the due date specified
11. You will make monthly payments on or before the due date specified
in your periodic statements.
12.
If  at  any  time  your  current  unpaid Account  balance  exceeds  your
12.
 authorized credit limit, you must, upon our written demand, immediately make
a single lump-sum payment to reduce your balance to an amount within the
authorized credit limit. 
13. Foreign  Transactions:  For  VISA® transactions  initiated  in  foreign
13. Foreign  Transactions:  For  VISA® transactions  initiated  in  foreign
 currencies, the exchange rate between the transaction currency and the billing
 currencies, the exchange rate between the transaction currency and the billing
currency (U.S. dollars) will be (a) a rate selected by VISA® from the range of
currency (U.S. dollars) will be (a) a rate selected by VISA® from the range of
rates  available  in  wholesale  currency  markets  for  the  applicable  central
rates  available  in  wholesale  currency  markets  for  the  applicable  central
 processing date, which rate may vary from the rate VISA® itself receives, or
 processing date, which rate may vary from the rate VISA® itself receives, or
(b)  the  government-mandated  rate  in  effect  for  the  applicable  central
(b)  the  government-mandated  rate  in  effect  for  the  applicable  central
 processing date. For MasterCard® transactions initiated in foreign currencies,
 processing date. For MasterCard® transactions initiated in foreign currencies,
the exchange rate will be a either a government-mandated exchange rate or
the exchange rate will be a either a government-mandated exchange rate or
a wholesale exchange rate selected by MasterCard® International on the day
a wholesale exchange rate selected by MasterCard® International on the day
they process the transaction, which may differ from the rate that applied on
they process the transaction, which may differ from the rate that applied on
the day the transaction took place or the day the transaction posted to your
the day the transaction took place or the day the transaction posted to your
 account. For both VISA® and MasterCard®, if a transaction is initiated in a
 account. For both VISA® and MasterCard®, if a transaction is initiated in a
foreign  country  or  foreign  currency,  a  fee  of  1%  of  the  transaction
foreign  country  or  foreign  currency,  a  fee  of  1%  of  the  transaction
amount in US dollars will be assessed.
amount in US dollars will be assessed.
14.  Payments in Foreign Currency. You agree to make all payments to us
14.  Payments in Foreign Currency. You agree to make all payments to us
in U.S. Dollars using payment instruments drawn on U.S. financial institutions.
in U.S. Dollars using payment instruments drawn on U.S. financial institutions.
We may, at our option, accept payments in foreign currency or checks drawn
We may, at our option, accept payments in foreign currency or checks drawn
on non-U.S. banks. If we do, we may impose service and collection charges,
on non-U.S. banks. If we do, we may impose service and collection charges,
and you agree the charges we set will be final.
and you agree the charges we set will be final.
15.  Payment Holds. We will promptly credit your payments as required by
15.  Payment Holds. We will promptly credit your payments as required by
law. We may, however, delay for the maximum time allowed by law increasing
law. We may, however, delay for the maximum time allowed by law increasing
your available credit or refunding credit balances until final collection of non-
your available credit or refunding credit balances until final collection of non-
cash items presented to pay your Account. A delay in increasing your available
cash items presented to pay your Account. A delay in increasing your available
credit or issuing a refund will not by itself result in increased finance charges,
credit or issuing a refund will not by itself result in increased finance charges,

13. Foreign  Transactions:  For  VISA® transactions  initiated  in  foreign
 currencies, the exchange rate between the transaction currency and the billing
currency (U.S. dollars) will be (a) a rate selected by VISA® from the range of
rates  available  in  wholesale  currency  markets  for  the  applicable  central
 processing date, which rate may vary from the rate VISA® itself receives, or
(b)  the  government-mandated  rate  in  effect  for  the  applicable  central
 processing date. For MasterCard® transactions initiated in foreign currencies,
the exchange rate will be a either a government-mandated exchange rate or
a wholesale exchange rate selected by MasterCard® International on the day
they process the transaction, which may differ from the rate that applied on
the day the transaction took place or the day the transaction posted to your
 account. For both VISA® and MasterCard®, if a transaction is initiated in a
foreign  country  or  foreign  currency,  a  fee  of  1%  of  the  transaction
amount in US dollars will be assessed.

in your periodic statements.
If  at  any  time  your  current  unpaid Account  balance  exceeds  your
If  at  any  time  your  current  unpaid Account  balance  exceeds  your
 authorized credit limit, you must, upon our written demand, immediately make
 authorized credit limit, you must, upon our written demand, immediately make
a single lump-sum payment to reduce your balance to an amount within the
a single lump-sum payment to reduce your balance to an amount within the
authorized credit limit. 
authorized credit limit. 

15.  Payment Holds. We will promptly credit your payments as required by
law. We may, however, delay for the maximum time allowed by law increasing
your available credit or refunding credit balances until final collection of non-
cash items presented to pay your Account. A delay in increasing your available
credit or issuing a refund will not by itself result in increased finance charges,

14.  Payments in Foreign Currency. You agree to make all payments to us
in U.S. Dollars using payment instruments drawn on U.S. financial institutions.
We may, at our option, accept payments in foreign currency or checks drawn
on non-U.S. banks. If we do, we may impose service and collection charges,
and you agree the charges we set will be final.

11. You will make monthly payments on or before the due date specified

10. We will send you periodic statements of your Account which will  advise

9.  Increases  in  the  outstanding  balance  increase  the  required

9.  Increases  in  the  outstanding  balance  increase  the  required

8.  You can repay the balance you owe, including accrued finance

 minimum payment, which will be reflected in the monthly statement.

 minimum payment, which will be reflected in the monthly statement.

you of the status of your Account and any information required by law.

charges, in full at any time without a prepayment penalty.

charges, in full at any time without a prepayment penalty.

in your periodic statements.

12.

but if an item presented for payment on your Account is returned unpaid,
we can assess finance charges retroactive to the date the payment was 
credited. 

but if an item presented for payment on your Account is returned unpaid,
we can assess finance charges retroactive to the date the payment was 
credited. 

but if an item presented for payment on your Account is returned unpaid,
we can assess finance charges retroactive to the date the payment was 
credited. 
16. Special Considerations Regarding Merchant Transactions

16. Special Considerations Regarding Merchant Transactions
16. Special Considerations Regarding Merchant Transactions
16.1 If you made a purchase and the merchant discloses a policy such
16.1 If you made a purchase and the merchant discloses a policy such
16.1 If you made a purchase and the merchant discloses a policy such
as “no returns,” “no refunds,” “no credit without receipt, “as is,” “store credit
as “no returns,” “no refunds,” “no credit without receipt, “as is,” “store credit
as “no returns,” “no refunds,” “no credit without receipt, “as is,” “store credit
only,” or “all sales final,” you agree to be bound by that merchant’s policy.
only,” or “all sales final,” you agree to be bound by that merchant’s policy.
only,” or “all sales final,” you agree to be bound by that merchant’s policy.
16.2 When you use your Account to make travel or lodging reserva-
16.2 When you use your Account to make travel or lodging reserva-
16.2 When you use your Account to make travel or lodging reserva-
tions, you agree to request the merchant’s cancellation policy and follow it
tions, you agree to request the merchant’s cancellation policy and follow it
tions, you agree to request the merchant’s cancellation policy and follow it
if you cancel. Otherwise, the merchant may charge you unless you can
if you cancel. Otherwise, the merchant may charge you unless you can
if you cancel. Otherwise, the merchant may charge you unless you can
provide us with the cancellation code the merchant is required to give you.
provide us with the cancellation code the merchant is required to give you.
provide us with the cancellation code the merchant is required to give you.
16.3  If you authorize a merchant to charge your Account for repeat
16.3  If you authorize a merchant to charge your Account for repeat
16.3  If you authorize a merchant to charge your Account for repeat
transactions without your Credit Card, you will notify the merchant when
transactions without your Credit Card, you will notify the merchant when
transactions without your Credit Card, you will notify the merchant when
you want to discontinue the repeat transactions or if your Account is closed. 
you want to discontinue the repeat transactions or if your Account is closed. 
you want to discontinue the repeat transactions or if your Account is closed. 
16.4  If you disagree with a transaction on your statement, you agree
16.4  If you disagree with a transaction on your statement, you agree
16.4  If you disagree with a transaction on your statement, you agree
to provide any information or assistance we reasonably request. Other-
to provide any information or assistance we reasonably request. Other-
to provide any information or assistance we reasonably request. Other-
wise  you  will  pay  us  for  any  loss  we  incur,  subject  only  to  any  limits
wise  you  will  pay  us  for  any  loss  we  incur,  subject  only  to  any  limits
wise  you  will  pay  us  for  any  loss  we  incur,  subject  only  to  any  limits
 imposed by law. 
 imposed by law. 
 imposed by law. 
16.5  A merchant, such as hotel or rental car agency, may place a
16.5  A merchant, such as hotel or rental car agency, may place a
16.5  A merchant, such as hotel or rental car agency, may place a
“hold” on your Account for anticipated charges. This may result in your
“hold” on your Account for anticipated charges. This may result in your
“hold” on your Account for anticipated charges. This may result in your
credit limit being unavailable for the duration of the merchant hold, and as
credit limit being unavailable for the duration of the merchant hold, and as
credit limit being unavailable for the duration of the merchant hold, and as
a  result, other transactions may be declined due to lack of available credit. 
a  result, other transactions may be declined due to lack of available credit. 
a  result, other transactions may be declined due to lack of available credit. 
17.  You must maintain a regular share account with SLFCU with the
17.  You must maintain a regular share account with SLFCU with the
17.  You must maintain a regular share account with SLFCU with the
 required minimum balance at all times you have an outstanding balance on
 required minimum balance at all times you have an outstanding balance on
 required minimum balance at all times you have an outstanding balance on
your Account, even if the Account is closed to new transactions.
your Account, even if the Account is closed to new transactions.
your Account, even if the Account is closed to new transactions.

E. OTHER CHARGES

E. OTHER CHARGES

E. OTHER CHARGES

You  will  pay  the  following  fees  in  connection  with  breach  of  your

You  will  pay  the  following  fees  in  connection  with  breach  of  your

You  will  pay  the  following  fees  in  connection  with  breach  of  your

 obligations or services you request:

 obligations or services you request:

 obligations or services you request:

Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item
Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,
waived if Credit Union error is revealed

Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item
Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,
waived if Credit Union error is revealed

Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item
Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,
waived if Credit Union error is revealed

Late Payment . . up to $20.00 if the payment is received one or more days late
Late Payment . . up to $20.00 if the payment is received one or more days late
Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing  
Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing  
your credit limit to be exceeded
your credit limit to be exceeded

Late Payment . . up to $20.00 if the payment is received one or more days late
Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing  
your credit limit to be exceeded

   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page
Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page

   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page

You will also pay direct costs that the Credit Union incurs for complying
with your special service requests, such as delivery fees for overnight
 shipment of replacement plastic cards.

You will also pay direct costs that the Credit Union incurs for complying
with your special service requests, such as delivery fees for overnight
 shipment of replacement plastic cards.

You will also pay direct costs that the Credit Union incurs for complying
with your special service requests, such as delivery fees for overnight
 shipment of replacement plastic cards.

F.  REBATES

F.  REBATES

F.  REBATES
If you charge goods or services on your Account in any calendar year, a
If you charge goods or services on your Account in any calendar year, a
credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard
credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard
 Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of
 Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of
all purchases during the year will be paid to you annually. The rebate will
all purchases during the year will be paid to you annually. The rebate will
be paid in the form of a credit to your Account.  We reserve the right to
be paid in the form of a credit to your Account.  We reserve the right to
 revoke rebates if you use your card for business purpose transactions or
 revoke rebates if you use your card for business purpose transactions or
transactions we reasonably determine to be illegal. 
transactions we reasonably determine to be illegal. 

If you charge goods or services on your Account in any calendar year, a
credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard
 Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of
all purchases during the year will be paid to you annually. The rebate will
be paid in the form of a credit to your Account.  We reserve the right to
 revoke rebates if you use your card for business purpose transactions or
transactions we reasonably determine to be illegal. 

G. SECURITY INTERESTS

G. SECURITY INTERESTS

1.  In consideration for and as a condition of SLFCU issuing a credit
card to you, you agree that if you do not make your required payments,
we can take any SLFCU shares in which you have an interest (unless
 prohibited by law or the share agreement) to recover all or part of what
you  owe  without  advance  notice  to  you.  “Shares”  includes  share
 (savings), money market, share draft (checking), and certificate accounts.
IRAs and other accounts subject to preferential tax treatment are not
 included.

G. SECURITY INTERESTS
1.  In consideration for and as a condition of SLFCU issuing a credit
1.  In consideration for and as a condition of SLFCU issuing a credit
card to you, you agree that if you do not make your required payments,
card to you, you agree that if you do not make your required payments,
we can take any SLFCU shares in which you have an interest (unless
we can take any SLFCU shares in which you have an interest (unless
 prohibited by law or the share agreement) to recover all or part of what
 prohibited by law or the share agreement) to recover all or part of what
you  owe  without  advance  notice  to  you.  “Shares”  includes  share
you  owe  without  advance  notice  to  you.  “Shares”  includes  share
 (savings), money market, share draft (checking), and certificate accounts.
 (savings), money market, share draft (checking), and certificate accounts.
IRAs and other accounts subject to preferential tax treatment are not
IRAs and other accounts subject to preferential tax treatment are not
 included.
 included.
2.  This consent does not restrict your right to withdraw funds prior
2.  This consent does not restrict your right to withdraw funds prior
to your default and our exercise of our rights consistent with this consent,
to your default and our exercise of our rights consistent with this consent,
and is not a pledge by you of any shares.
and is not a pledge by you of any shares.
3.  Our exercise of our rights under this consent will not be an  election
of remedies.
4.  Specific Account Pledge: You may be allowed or required to pledge
4.  Specific Account Pledge: You may be allowed or required to pledge
specific SLFCU shares as security for the repayment of all credit extended
specific SLFCU shares as security for the repayment of all credit extended

2.  This consent does not restrict your right to withdraw funds prior
to your default and our exercise of our rights consistent with this consent,
and is not a pledge by you of any shares.

4.  Specific Account Pledge: You may be allowed or required to pledge
specific SLFCU shares as security for the repayment of all credit extended

3.  Our exercise of our rights under this consent will not be an  election

3.  Our exercise of our rights under this consent will not be an  election

of remedies.

of remedies.

to you under this Agreement. The dollar amount pledged and the share

to you under this Agreement. The dollar amount pledged and the share

to you under this Agreement. The dollar amount pledged and the share

 account(s) will be shown on a separate security agreement. You will not

 account(s) will be shown on a separate security agreement. You will not

 account(s) will be shown on a separate security agreement. You will not

be  able  to  withdraw  funds  as  long  as  the  pledge  is  in  effect.  If  you

be  able  to  withdraw  funds  as  long  as  the  pledge  is  in  effect.  If  you

be  able  to  withdraw  funds  as  long  as  the  pledge  is  in  effect.  If  you

 default in your payment obligations under this Agreement, we can apply

 default in your payment obligations under this Agreement, we can apply

 default in your payment obligations under this Agreement, we can apply

the shares specifically pledged to pay off this Account in full or in part. 

the shares specifically pledged to pay off this Account in full or in part. 

the shares specifically pledged to pay off this Account in full or in part. 

5.  Cross-Collateral:  Property  you  have pledged  to  secure  other

5.  Cross-Collateral:  Property  you  have pledged  to  secure  other

5.  Cross-Collateral:  Property  you  have pledged  to  secure  other

 obligations to SLFCU, other than real property and household goods,

 obligations to SLFCU, other than real property and household goods,

 obligations to SLFCU, other than real property and household goods,

may also secure this Account if you agree in writing.

may also secure this Account if you agree in writing.

may also secure this Account if you agree in writing.

6.  Security interests described in this Section G apply even if credit

6.  Security interests described in this Section G apply even if credit

6.  Security interests described in this Section G apply even if credit

is otherwise described as “signature” or “unsecured.”

is otherwise described as “signature” or “unsecured.”

is otherwise described as “signature” or “unsecured.”

H.  CHANGES IN TERMS

H.  CHANGES IN TERMS

H.  CHANGES IN TERMS

We may change your Account terms, including the Annual Percentage

We may change your Account terms, including the Annual Percentage

We may change your Account terms, including the Annual Percentage

Rate, by giving you advance written notice required by law. A “change”

Rate, by giving you advance written notice required by law. A “change”

Rate, by giving you advance written notice required by law. A “change”

can amend an existing term, add a new term, or a delete an old term.

can amend an existing term, add a new term, or a delete an old term.

can amend an existing term, add a new term, or a delete an old term.

If you do not want the changes to apply to your Account, you can cut all

If you do not want the changes to apply to your Account, you can cut all

If you do not want the changes to apply to your Account, you can cut all

issued Cards in half and send them to us with a written  request to close

issued Cards in half and send them to us with a written  request to close

issued Cards in half and send them to us with a written  request to close

the Account. If you do that, you must pay off any outstanding balance

the Account. If you do that, you must pay off any outstanding balance

the Account. If you do that, you must pay off any outstanding balance

under the old terms and interest rate. If you keep your Card, the new

under the old terms and interest rate. If you keep your Card, the new

under the old terms and interest rate. If you keep your Card, the new

terms and new interest rate will apply to all transactions on the account

terms and new interest rate will apply to all transactions on the account

terms and new interest rate will apply to all transactions on the account

that  occur  14  or  more  days  after  we  send  you  the  Change  in Terms

that  occur  14  or  more  days  after  we  send  you  the  Change  in Terms

that  occur  14  or  more  days  after  we  send  you  the  Change  in Terms

 notice, and the old Annual Percentage Rate will apply to  purchase and

 notice, and the old Annual Percentage Rate will apply to  purchase and

 notice, and the old Annual Percentage Rate will apply to  purchase and

cash advance transactions that took place prior to the date 14 days after

cash advance transactions that took place prior to the date 14 days after

cash advance transactions that took place prior to the date 14 days after

we sent you the notice.

we sent you the notice.

we sent you the notice.

I. HONEST DEALING

I. HONEST DEALING

I. HONEST DEALING

You agree to promptly notify us of any information that affects your

You agree to promptly notify us of any information that affects your

You agree to promptly notify us of any information that affects your

credit-worthiness or ability to pay, including but not limited to changes in

credit-worthiness or ability to pay, including but not limited to changes in

credit-worthiness or ability to pay, including but not limited to changes in

your name, address or employment. You agree not to use your  Account

your name, address or employment. You agree not to use your  Account

your name, address or employment. You agree not to use your  Account

for new transactions if you have reason to believe you will be  unable to

for new transactions if you have reason to believe you will be  unable to

for new transactions if you have reason to believe you will be  unable to

pay what you owe. 

pay what you owe. 

pay what you owe. 

J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS

J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS

J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS

AND CO-APPLICANTS

AND CO-APPLICANTS

AND CO-APPLICANTS

As a Co-Signer or Co-Applicant, you understand and agree that you

As a Co-Signer or Co-Applicant, you understand and agree that you

As a Co-Signer or Co-Applicant, you understand and agree that you

are obligated to repay any credit extended under this Agreement up to

are obligated to repay any credit extended under this Agreement up to

are obligated to repay any credit extended under this Agreement up to

the  credit  limit,  whether  or  not  you  get  the  money  borrowed  or  the

the  credit  limit,  whether  or  not  you  get  the  money  borrowed  or  the

the  credit  limit,  whether  or  not  you  get  the  money  borrowed  or  the

 property purchased or otherwise benefit from the extension of credit.

 property purchased or otherwise benefit from the extension of credit.

 property purchased or otherwise benefit from the extension of credit.

You understand that if you had not agreed to be obligated to repay the

You understand that if you had not agreed to be obligated to repay the

You understand that if you had not agreed to be obligated to repay the

credit extended, we would not have approved the credit application.

credit extended, we would not have approved the credit application.

credit extended, we would not have approved the credit application.

We can proceed against you if payments are delinquent even before

We can proceed against you if payments are delinquent even before

We can proceed against you if payments are delinquent even before

 seeking to  recover from any other applicant or co-signer. We will give

 seeking to  recover from any other applicant or co-signer. We will give

 seeking to  recover from any other applicant or co-signer. We will give

you notice required by law of any action we take that could adversely

you notice required by law of any action we take that could adversely

you notice required by law of any action we take that could adversely

 affect you. We will tell you of any delinquency for which we intend to

 affect you. We will tell you of any delinquency for which we intend to

 affect you. We will tell you of any delinquency for which we intend to

hold you  accountable. No extension or partial settlement with any other

hold you  accountable. No extension or partial settlement with any other

hold you  accountable. No extension or partial settlement with any other

obligor on the Account will waive our rights against you as a co-signer

obligor on the Account will waive our rights against you as a co-signer

obligor on the Account will waive our rights against you as a co-signer

or co-applicant. You can stop being obligated for future transactions by

or co-applicant. You can stop being obligated for future transactions by

or co-applicant. You can stop being obligated for future transactions by

 writing to us to that effect, but will remain obligated to pay any amounts

 writing to us to that effect, but will remain obligated to pay any amounts

 writing to us to that effect, but will remain obligated to pay any amounts

borrowed prior to our receipt of your notice.

borrowed prior to our receipt of your notice.

borrowed prior to our receipt of your notice.

K. DEFAULT—LIEN—ACCELERATION

K. DEFAULT—LIEN—ACCELERATION

K. DEFAULT—LIEN—ACCELERATION

1.  If you fail to make your agreed payment within 10 days after the

1.  If you fail to make your agreed payment within 10 days after the

1.  If you fail to make your agreed payment within 10 days after the

due date, you authorize us to apply any SLFCU shares in which you

due date, you authorize us to apply any SLFCU shares in which you

due date, you authorize us to apply any SLFCU shares in which you

have an interest (unless prohibited by law or the share agreement) to

have an interest (unless prohibited by law or the share agreement) to

have an interest (unless prohibited by law or the share agreement) to

pay off, in full or in part, the outstanding balance on your Account.

pay off, in full or in part, the outstanding balance on your Account.

pay off, in full or in part, the outstanding balance on your Account.

 Unless your Account is secured by a pledge of specific shares this

 Unless your Account is secured by a pledge of specific shares this

 Unless your Account is secured by a pledge of specific shares this

 consent (a) will not restrict your right to withdraw funds prior to our

 consent (a) will not restrict your right to withdraw funds prior to our

 consent (a) will not restrict your right to withdraw funds prior to our

exercise of our rights under this consent and (b) does not constitute a

exercise of our rights under this consent and (b) does not constitute a

exercise of our rights under this consent and (b) does not constitute a

pledge of any share account. Our exercise of our rights under this

pledge of any share account. Our exercise of our rights under this

pledge of any share account. Our exercise of our rights under this

 consent is not an election of remedies.

 consent is not an election of remedies.

 consent is not an election of remedies.

2. If you default on your Account payments, otherwise breach this

2. If you default on your Account payments, otherwise breach this

2. If you default on your Account payments, otherwise breach this

Agreement,  become  a  bankruptcy  debtor,  die,  or  breach  any  other

Agreement,  become  a  bankruptcy  debtor,  die,  or  breach  any  other

Agreement,  become  a  bankruptcy  debtor,  die,  or  breach  any  other

agreement you have with us, we may without notice declare the entire

agreement you have with us, we may without notice declare the entire

agreement you have with us, we may without notice declare the entire

unpaid balance of your Account immediately due and payable in full.

unpaid balance of your Account immediately due and payable in full.

unpaid balance of your Account immediately due and payable in full.

 Interest will continue to accrue on your Account at the rate called for in

 Interest will continue to accrue on your Account at the rate called for in

 Interest will continue to accrue on your Account at the rate called for in

this Agreement even after your default and acceleration of the obligation.

this Agreement even after your default and acceleration of the obligation.

this Agreement even after your default and acceleration of the obligation.

L. COLLECTION COSTS

L. COLLECTION COSTS

L. COLLECTION COSTS

You agree to pay all reasonable collection costs we incur before we

You agree to pay all reasonable collection costs we incur before we

You agree to pay all reasonable collection costs we incur before we

take legal action against you. If we take legal action against you to

take legal action against you. If we take legal action against you to

take legal action against you. If we take legal action against you to

How  We  Will  Calculate Your  Balance:  Average  daily  balance  including  new

 purchases. See your account agreement for more details. 

Billing  Rights: Information  on  our  rights  to  dispute  transactions  and  how  to

 exercise those rights is provided in your account agreement.

Monthly Periodic 

VISA® Gold with No Rebate: 0.77%

Rates: 

VISA® Classic or MasterCard® with No Rebate: 0.81%

VISA® Gold with Rebate: 0.92%

VISA® Classic or MasterCard® with Rebate: 0.96%

VISA® Student Card with Rebate: 0.96%

The extension of credit to you under this Agreement will be subject to the  following

terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this

entire Agreement and keep a copy for your records.  “Applicant” refers to any per-

son who signs the Credit Application, will receive a VISA® or MasterCard® Credit

Card and will use the VISA® or MasterCard® Credit Card  Account. A Credit Card

 Account may have one or more Applicants. “Co-Signer” refers to a person who

signs a Credit Application and is responsible for all charges incurred using the

Credit Card Account but who will not be issued a Card and will not use the  Account.

   “Credit Union,” “we” and “us” refer to Sandia Laboratory Federal Credit Union. “You”

and “your” refer to any Applicant and, if the context indicates, to any Co-Signer. “Ac-

count” refers to the line of credit established under this Agreement. “Card” refers

to the credit card(s) issued under this Agreement. The singular implies the plural if

there is more than one Applicant or Co-Signer.

A. LOAN ADVANCES

1.  You affirm that any Account established for you under this Agreement will be

used for personal, family or household purposes and not for business purposes.

2.  If the Credit Union approves your application, each Applicant will be issued

a Card and will be able to use the Account.

3.  To make a purchase or get a cash advance, you can present the Card to a

participating VISA / MasterCard plan merchant, to the Credit Union, or to  another

financial institution, and sign the sales or cash advance draft imprinted with your

Card number. Keep sales and cash advance drafts to reconcile your monthly

statements. You  can  also  make  purchases  by  giving  your  Card  number  to  a

 merchant by telephone, over the Internet, or by other means, in which case your

only  record  of  the  transaction  may  be  your  monthly  statement. You  can  also

 access  the Account  to  obtain  cash  advances  at  designated ATMs,  subject  to

 additional ATM terms at the end of this Agreement, and to obtain cash advances

via  CU@home  online  banking  in  the  form  of  either  a  deposit  of  the  advance

amount to an SLFCU  account that you designate or a check payable to you and

mailed to you at the  address we have for you in our records. 

4.  We may issue courtesy checks on this Account from time to time.  Any

 Applicant may sign a courtesy check payable to any person or entity that accepts

personal checks. When we pay the courtesy check, it will post to the Account as a

cash advance. There is no additional charge for printing or using courtesy checks

other than the cash advance fee, but if you request special handling, such as a

stop payment, we may charge you the same fee we would charge for the same

service  on  a  regular SLFCU  check  (share  draft).  Fees  for  special  handling  of

checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy

checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued

to you are lost or stolen and to report any unauthorized special checks that appear

on  your Account  statements.  We  operate  in  an  automated  check-processing

 environment and in almost all cases we do not physically  examine checks that

clear. You agree that we have the right but not the obligation to refuse to pay

 courtesy checks that are not signed by an Applicant, and we will not be respon sible

for any  unauthorized courtesy checks if you fail to  report them within 60 days after

we send you the first statement on which they appear. If you wish to stop payment

on a courtesy check, you must notify us before the check is presented to us for

 payment, and you must provide the exact dollar amount and check number or we

may not be able to find it and stop it. We will not be responsible for failure to stop

 courtesy check payments if you do not give us the exact information we require in

sufficient time (at least one business day prior to  presentment) for us to act on your

request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy

check clears, you must resolve any  disputes directly with the payee. 

5.  This Account will be open-end or revolving. This means you can borrow the

full amount of the credit limit, repay the principal in full or in part, and borrow again

up to your credit limit as long as you remain creditworthy and a member of SLFCU

in  good  standing. To  remain  in  good  standing,  you  must  meet  all  of  your

 obligations to SLFCU.

6.  We have the right to refuse to allow you to use your Account for new trans-

actions. We will notify you in writing of the reason for any such denial of credit.

Reasons we can deny you credit include but are not limited to your already  having

borrowed up to your credit limit, an adverse change in your credit standing, your

failure to meet loan- or account-related obligations to us, or our reasonable belief

that a requested transaction is illegal or unauthorized. 

7.  You are not permitted to use your Account for illegal transactions such as

 illegal Internet gambling. We have the right but not the duty to refuse to authorize

a  transaction  if  we  reasonably  believe  it  is  illegal.  Responsibility  for  deter -

mining the legality of transactions rests with you, not with us. You cannot use the

actual  or  alleged  illegality  of  an  authorized  transaction  on  your Account  as  a

 defense to your obligation to pay it.

8.  You  are  not  permitted  to  transfer  one  SLFCU  credit  card  balance  to 

another SLFCU credit card Account, and you may not use advances on an SLFCU

Credit Card Account to pay other obligations you have to SLFCU.

9.  You will generally not be allowed to exceed your credit limit unless you opt

in to doing so in writing and agree to pay a fee each time you exceed your limit.

Exceeding your credit limit may adversely affect your credit standing.

B. REPAYMENT OBLIGATIONS

terms of this Agreement.

1.  Each Applicant and Co-Signer is obligated to repay the Account under the

2.  Each Applicant  and  Co-Signer  is  also  obligated  to  repay  any  charges

 resulting from the use of the Account by an Authorized User, regardless of whether

the Authorized User stays within the limits of permission given to use the Account.

We are not subject to agreements between you and Authorized Users limiting their

use of the Account. An Authorized User is any person to whom an Applicant or

Co-Signer has given actual, implied or apparent permission the Account. 

3. Each Applicant and Co-Signer remains obligated to repay all obligations

 incurred under this Agreement until we are notified in writing to close the  Account

and all issued Cards are returned to us. Closing of the Account will not relieve

any Applicant or Co-Signer of payment obligations incurred prior to our receipt of

notice to close the Account.

5.    Each Applicant  and  Co-Signer  remains  bound  to  repay  all  obligations

 incurred under this Agreement, even though another person has been directed to

pay the debt by an agreement or court order to which we are not a party, such as

a divorce decree. Any release from the obligation to pay under this Agreement

must be either (a) in writing and signed by an authorized SLFCU employee or

(b) pursuant to a court order in an action to which SLFCU is a party.

to Co-Signer.

C. CREDIT REVIEW

We will set a credit limit on your Account and review your Account from time to

time. We may consider your credit history with third parties such as credit  bureaus,

your history of meeting your obligations to SLFCU, and updated financial infor-

mation we request from you. Based on our review, we may increase or  decrease

your credit limit, increase or decrease your interest rate, or close your  Account.

We will give you notice required by law if we make changes adverse to you. You

can  request  a  credit  limit  increase  by  submitting  a  written  application  to  us.

All Credit Cards issued or re-issued are subject to approval. If your Account has

been inactive for six consecutive months, it may not be automatically renewed.

D. REPAYMENT TERMS

1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail-

ing payment to us at the address designated on your billing statement, all sums

 advanced to you under this Agreement at any time plus interest and other fees and

charges incurred under this Agreement. The Finance Charge is the amount of

money you pay for the money you borrow. The interest component of the

 Finance Charge is based on an Annual Percentage Rate.

2.    Grace  Period  on  Purchases:  If  you  paid  your  previous  statement’s

 balance in full before its due date, or you  had no previous balance at the

 beginning of the billing cycle, you will have a grace period of 25 days on

 average to pay your purchase balance without interest finance charges. If you

do not pay your  balance in full before the end of the grace period,  interest will

be assessed on your entire outstanding balance including new purchases.

3. The interest rate on your Account will depend on which credit card you

request and will be established when we open your Account. The ANNUAL

PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card  Account

programs are shown at the top of this Agreement. You will receive a sep-

arate written notice before you become obligated informing you of the

type of Credit Card Account we have opened for you and your credit

limit. Rates  applicable to your Account will also be disclosed to you on

periodic  statements we will send you. 

4. We have the right to change the interest rate applicable to your

 Account for any lawful reason, including but not limited to our review of

your Account (see Section C of this Agreement) by giving you notice

 required by law. Any increased interest rate will apply only to transac-

tions initiated at least 14 days after we send you the notice.

5. Your minimum monthly payment will be the greater of 3% of the

current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent

amounts. If your balance is less than $20, you must pay it in full. 

6. Calculation of Finance Charges: Average Daily Balance Method.

 Interest is calculated separately for purchase balances and cash advance

 balances. We arrive at the interest portion of the Finance Charge for each

balance type by first calculating the average daily Account balance for

the statement period. To obtain the daily Account balances of purchases,

we add any new purchases to the previous day’s purchase balance, then

 subtract any payments or other credits applied to the purchase balance.

To obtain the daily Account balances of cash advances, we add any new

cash advances to the previous day’s cash advance balance, then sub-

tract any payments or other credits applied to the cash advance balance.

We then total the daily balances for the statement period and divide by

the number of days in the period to get the Average Daily Balance. This

figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to

 obtain the interest component of the Finance Charge.

7.  We will apply payments on your Account first to fees such as late

fees, then to interest, then to principal. If your payment exceeds the

 required minimum, any excess will be applied to higher rate balances

before it is  applied to lower rate balances. If purchase and cash advance

balances bear interest at the same rate, payments are applied first to

 previously billed  purchases, then to previously billed cash advances,

then to current cash  advances, then to current purchases.

8.  You can repay the balance you owe, including accrued finance

charges, in full at any time without a prepayment penalty.

9.  Increases  in  the  outstanding  balance  increase  the  required

 minimum payment, which will be reflected in the monthly statement.

10. We will send you periodic statements of your Account which will  advise

in your periodic statements.

12.

If  at  any  time  your  current  unpaid Account  balance  exceeds  your

 authorized credit limit, you must, upon our written demand, immediately make

a single lump-sum payment to reduce your balance to an amount within the

authorized credit limit. 

13. Foreign  Transactions:  For  VISA® transactions  initiated  in  foreign

 currencies, the exchange rate between the transaction currency and the billing

currency (U.S. dollars) will be (a) a rate selected by VISA® from the range of

rates  available  in  wholesale  currency  markets  for  the  applicable  central

 processing date, which rate may vary from the rate VISA® itself receives, or

(b)  the  government-mandated  rate  in  effect  for  the  applicable  central

 processing date. For MasterCard® transactions initiated in foreign currencies,

the exchange rate will be a either a government-mandated exchange rate or

a wholesale exchange rate selected by MasterCard® International on the day

they process the transaction, which may differ from the rate that applied on

the day the transaction took place or the day the transaction posted to your

 account. For both VISA® and MasterCard®, if a transaction is initiated in a

foreign  country  or  foreign  currency,  a  fee  of  1%  of  the  transaction

amount in US dollars will be assessed.

14.  Payments in Foreign Currency. You agree to make all payments to us

in U.S. Dollars using payment instruments drawn on U.S. financial institutions.

We may, at our option, accept payments in foreign currency or checks drawn

on non-U.S. banks. If we do, we may impose service and collection charges,

and you agree the charges we set will be final.

15.  Payment Holds. We will promptly credit your payments as required by

law. We may, however, delay for the maximum time allowed by law increasing

your available credit or refunding credit balances until final collection of non-

cash items presented to pay your Account. A delay in increasing your available

credit or issuing a refund will not by itself result in increased finance charges,

6.  Co-Signers, who do not have access to the Account but are liable to repay

you of the status of your Account and any information required by law.

it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice

11. You will make monthly payments on or before the due date specified

but if an item presented for payment on your Account is returned unpaid,

we can assess finance charges retroactive to the date the payment was 

credited. 

16. Special Considerations Regarding Merchant Transactions

16.1 If you made a purchase and the merchant discloses a policy such

as “no returns,” “no refunds,” “no credit without receipt, “as is,” “store credit

only,” or “all sales final,” you agree to be bound by that merchant’s policy.

16.2 When you use your Account to make travel or lodging reserva-

tions, you agree to request the merchant’s cancellation policy and follow it

if you cancel. Otherwise, the merchant may charge you unless you can

provide us with the cancellation code the merchant is required to give you.

16.3  If you authorize a merchant to charge your Account for repeat

transactions without your Credit Card, you will notify the merchant when

you want to discontinue the repeat transactions or if your Account is closed. 

16.4  If you disagree with a transaction on your statement, you agree

to provide any information or assistance we reasonably request. Other-

wise  you  will  pay  us  for  any  loss  we  incur,  subject  only  to  any  limits

 imposed by law. 

16.5  A merchant, such as hotel or rental car agency, may place a

“hold” on your Account for anticipated charges. This may result in your

credit limit being unavailable for the duration of the merchant hold, and as

a  result, other transactions may be declined due to lack of available credit. 

17.  You must maintain a regular share account with SLFCU with the

 required minimum balance at all times you have an outstanding balance on

your Account, even if the Account is closed to new transactions.

E. OTHER CHARGES

You  will  pay  the  following  fees  in  connection  with  breach  of  your

 obligations or services you request:

Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item

Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,

waived if Credit Union error is revealed

Late Payment . . up to $20.00 if the payment is received one or more days late

Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing  

your credit limit to be exceeded

   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each

Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each

Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page

You will also pay direct costs that the Credit Union incurs for complying

with your special service requests, such as delivery fees for overnight

 shipment of replacement plastic cards.

F.  REBATES

If you charge goods or services on your Account in any calendar year, a

credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard

 Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of

all purchases during the year will be paid to you annually. The rebate will

be paid in the form of a credit to your Account.  We reserve the right to

 revoke rebates if you use your card for business purpose transactions or

transactions we reasonably determine to be illegal. 

G. SECURITY INTERESTS

1.  In consideration for and as a condition of SLFCU issuing a credit

card to you, you agree that if you do not make your required payments,

we can take any SLFCU shares in which you have an interest (unless

 prohibited by law or the share agreement) to recover all or part of what

you  owe  without  advance  notice  to  you.  “Shares”  includes  share

 (savings), money market, share draft (checking), and certificate accounts.

IRAs and other accounts subject to preferential tax treatment are not

 included.

of remedies.

2.  This consent does not restrict your right to withdraw funds prior

to your default and our exercise of our rights consistent with this consent,

and is not a pledge by you of any shares.

3.  Our exercise of our rights under this consent will not be an  election

4.  Specific Account Pledge: You may be allowed or required to pledge

specific SLFCU shares as security for the repayment of all credit extended

to you under this Agreement. The dollar amount pledged and the share
 account(s) will be shown on a separate security agreement. You will not
be  able  to  withdraw  funds  as  long  as  the  pledge  is  in  effect.  If  you
 default in your payment obligations under this Agreement, we can apply
the shares specifically pledged to pay off this Account in full or in part. 
5.  Cross-Collateral:  Property  you  have pledged  to  secure  other
 obligations to SLFCU, other than real property and household goods,
may also secure this Account if you agree in writing.

6.  Security interests described in this Section G apply even if credit

is otherwise described as “signature” or “unsecured.”

H.  CHANGES IN TERMS

We may change your Account terms, including the Annual Percentage
Rate, by giving you advance written notice required by law. A “change”
can amend an existing term, add a new term, or a delete an old term.
If you do not want the changes to apply to your Account, you can cut all
issued Cards in half and send them to us with a written  request to close
the Account. If you do that, you must pay off any outstanding balance
under the old terms and interest rate. If you keep your Card, the new
terms and new interest rate will apply to all transactions on the account
that  occur  14  or  more  days  after  we  send  you  the  Change  in Terms
 notice, and the old Annual Percentage Rate will apply to  purchase and
cash advance transactions that took place prior to the date 14 days after
we sent you the notice.

I. HONEST DEALING

You agree to promptly notify us of any information that affects your
credit-worthiness or ability to pay, including but not limited to changes in
your name, address or employment. You agree not to use your  Account
for new transactions if you have reason to believe you will be  unable to
pay what you owe. 

J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS

AND CO-APPLICANTS
As a Co-Signer or Co-Applicant, you understand and agree that you
are obligated to repay any credit extended under this Agreement up to
the  credit  limit,  whether  or  not  you  get  the  money  borrowed  or  the
 property purchased or otherwise benefit from the extension of credit.
You understand that if you had not agreed to be obligated to repay the
credit extended, we would not have approved the credit application.
We can proceed against you if payments are delinquent even before
 seeking to  recover from any other applicant or co-signer. We will give
you notice required by law of any action we take that could adversely
 affect you. We will tell you of any delinquency for which we intend to
hold you  accountable. No extension or partial settlement with any other
obligor on the Account will waive our rights against you as a co-signer
or co-applicant. You can stop being obligated for future transactions by
 writing to us to that effect, but will remain obligated to pay any amounts
borrowed prior to our receipt of your notice.

K. DEFAULT—LIEN—ACCELERATION

1.  If you fail to make your agreed payment within 10 days after the
due date, you authorize us to apply any SLFCU shares in which you
have an interest (unless prohibited by law or the share agreement) to
pay off, in full or in part, the outstanding balance on your Account.
 Unless your Account is secured by a pledge of specific shares this
 consent (a) will not restrict your right to withdraw funds prior to our
exercise of our rights under this consent and (b) does not constitute a
pledge of any share account. Our exercise of our rights under this
 consent is not an election of remedies.

2. If you default on your Account payments, otherwise breach this
Agreement,  become  a  bankruptcy  debtor,  die,  or  breach  any  other
agreement you have with us, we may without notice declare the entire
unpaid balance of your Account immediately due and payable in full.
 Interest will continue to accrue on your Account at the rate called for in
this Agreement even after your default and acceleration of the obligation.

L. COLLECTION COSTS

You agree to pay all reasonable collection costs we incur before we
take legal action against you. If we take legal action against you to

 collect on this Account, you agree to pay our reasonable at torney’s
fees and court costs. You will pay our reasonable attorney’s fees and
court costs whether the legal action we take is a collection lawsuit,
a  proceeding  to  protect  our  interests  if  you  become  a  bankruptcy
debtor, an appeal, an action to enforce a judgment, or any other type of
 proceeding. You authorize us to add reasonable collection costs to
your   Account  balance  and  charge  interest  on  them  at  the  rate
 applicable to cash advances. 

 collect on this Account, you agree to pay our reasonable at torney’s
fees and court costs. You will pay our reasonable attorney’s fees and
court costs whether the legal action we take is a collection lawsuit,
a  proceeding  to  protect  our  interests  if  you  become  a  bankruptcy
debtor, an appeal, an action to enforce a judgment, or any other type of
 proceeding. You authorize us to add reasonable collection costs to
your   Account  balance  and  charge  interest  on  them  at  the  rate
 applicable to cash advances. 

 collect on this Account, you agree to pay our reasonable at torney’s
fees and court costs. You will pay our reasonable attorney’s fees and
court costs whether the legal action we take is a collection lawsuit,
a  proceeding  to  protect  our  interests  if  you  become  a  bankruptcy
debtor, an appeal, an action to enforce a judgment, or any other type of
 proceeding. You authorize us to add reasonable collection costs to
your   Account  balance  and  charge  interest  on  them  at  the  rate
 applicable to cash advances. 

 collect on this Account, you agree to pay our reasonable at torney’s
fees and court costs. You will pay our reasonable attorney’s fees and
court costs whether the legal action we take is a collection lawsuit,
a  proceeding  to  protect  our  interests  if  you  become  a  bankruptcy
debtor, an appeal, an action to enforce a judgment, or any other type of
 proceeding. You authorize us to add reasonable collection costs to
your   Account  balance  and  charge  interest  on  them  at  the  rate
 applicable to cash advances. 

M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS

M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS

M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS
M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS
1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us
1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us
1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us
1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us
promptly of the loss, theft or other actual or possible unauthorized use
promptly of the loss, theft or other actual or possible unauthorized use
promptly of the loss, theft or other actual or possible unauthorized use
promptly of the loss, theft or other actual or possible unauthorized use
of any Card we issue to you. Call (800) 556-5678.  Although you are
of any Card we issue to you. Call (800) 556-5678.  Although you are
of any Card we issue to you. Call (800) 556-5678.  Although you are
of any Card we issue to you. Call (800) 556-5678.  Although you are
generally not be liable for unauthorized use (except that you may be
generally not be liable for unauthorized use (except that you may be
generally not be liable for unauthorized use (except that you may be
generally not be liable for unauthorized use (except that you may be
 liable  for  up  to  $50  for  unauthorized  PIN-based  transactions),  all
 liable  for  up  to  $50  for  unauthorized  PIN-based  transactions),  all
 liable  for  up  to  $50  for  unauthorized  PIN-based  transactions),  all
 liable  for  up  to  $50  for  unauthorized  PIN-based  transactions),  all
SLFCU members benefit if unauthorized Card use losses are kept to a
SLFCU members benefit if unauthorized Card use losses are kept to a
SLFCU members benefit if unauthorized Card use losses are kept to a
SLFCU members benefit if unauthorized Card use losses are kept to a
minimum.
minimum.
minimum.
minimum.
Once you report your Card as lost or stolen, you agree not to
Once you report your Card as lost or stolen, you agree not to
Once you report your Card as lost or stolen, you agree not to
Once you report your Card as lost or stolen, you agree not to
 attempt  to  use  it. A  replacement  card  will  usually  be  issued  to  you.
 attempt  to  use  it. A  replacement  card  will  usually  be  issued  to  you.
 attempt  to  use  it. A  replacement  card  will  usually  be  issued  to  you.
 attempt  to  use  it. A  replacement  card  will  usually  be  issued  to  you.
If you find your card after reporting it lost or stolen and attempt to use it,
If you find your card after reporting it lost or stolen and attempt to use it,
If you find your card after reporting it lost or stolen and attempt to use it,
If you find your card after reporting it lost or stolen and attempt to use it,
a  merchant  may  capture  the  Card  and  you  will  have  to  pay  a  card
a  merchant  may  capture  the  Card  and  you  will  have  to  pay  a  card
a  merchant  may  capture  the  Card  and  you  will  have  to  pay  a  card
a  merchant  may  capture  the  Card  and  you  will  have  to  pay  a  card
 capture fee. 
 capture fee. 
 capture fee. 
 capture fee. 
If you report your Card as stolen, you agree to cooperate with our
If you report your Card as stolen, you agree to cooperate with our
If you report your Card as stolen, you agree to cooperate with our
If you report your Card as stolen, you agree to cooperate with our
investigation. Your failure to file a police report or otherwise cooperate
investigation. Your failure to file a police report or otherwise cooperate
investigation. Your failure to file a police report or otherwise cooperate
investigation. Your failure to file a police report or otherwise cooperate
with our investigation may give us reasonable grounds to deny your
with our investigation may give us reasonable grounds to deny your
with our investigation may give us reasonable grounds to deny your
with our investigation may give us reasonable grounds to deny your
claim of unauthorized use. Although we will not close your Account solely
claim of unauthorized use. Although we will not close your Account solely
claim of unauthorized use. Although we will not close your Account solely
claim of unauthorized use. Although we will not close your Account solely
 because you exercise your rights to report unauthorized activity or other
 because you exercise your rights to report unauthorized activity or other
 because you exercise your rights to report unauthorized activity or other
 because you exercise your rights to report unauthorized activity or other
errors under the Fair Credit Billing Act, our determination that your  report
errors under the Fair Credit Billing Act, our determination that your  report
errors under the Fair Credit Billing Act, our determination that your  report
errors under the Fair Credit Billing Act, our determination that your  report
of  unauthorized  Card  activity  was  not  made  in  good  faith  may  be
of  unauthorized  Card  activity  was  not  made  in  good  faith  may  be
of  unauthorized  Card  activity  was  not  made  in  good  faith  may  be
of  unauthorized  Card  activity  was  not  made  in  good  faith  may  be
grounds for closing your Account to future use. If we decide that you
grounds for closing your Account to future use. If we decide that you
grounds for closing your Account to future use. If we decide that you
grounds for closing your Account to future use. If we decide that you
have an excessive number of lost or stolen cards, we may not issue a
have an excessive number of lost or stolen cards, we may not issue a
have an excessive number of lost or stolen cards, we may not issue a
have an excessive number of lost or stolen cards, we may not issue a
 replacement card or open a new account for you. 
 replacement card or open a new account for you. 
 replacement card or open a new account for you. 
 replacement card or open a new account for you. 
2.  Merchant Disputes. We are not responsible for the refusal of any
2.  Merchant Disputes. We are not responsible for the refusal of any
2.  Merchant Disputes. We are not responsible for the refusal of any
2.  Merchant Disputes. We are not responsible for the refusal of any
merchant  or  other  financial  institution  to  honor  you  Card.  We  are
merchant  or  other  financial  institution  to  honor  you  Card.  We  are
merchant  or  other  financial  institution  to  honor  you  Card.  We  are
merchant  or  other  financial  institution  to  honor  you  Card.  We  are
 subject to good faith claims and defenses recognized by law (other
 subject to good faith claims and defenses recognized by law (other
 subject to good faith claims and defenses recognized by law (other
 subject to good faith claims and defenses recognized by law (other
than tort claims) arising out of goods or services you purchase with
than tort claims) arising out of goods or services you purchase with
than tort claims) arising out of goods or services you purchase with
than tort claims) arising out of goods or services you purchase with
the Card, but only if you have made a good faith attempt but have been
the Card, but only if you have made a good faith attempt but have been
the Card, but only if you have made a good faith attempt but have been
the Card, but only if you have made a good faith attempt but have been
unable  to  obtain  satisfaction  from  the  plan  merchant  and  (a)  your
unable  to  obtain  satisfaction  from  the  plan  merchant  and  (a)  your
unable  to  obtain  satisfaction  from  the  plan  merchant  and  (a)  your
unable  to  obtain  satisfaction  from  the  plan  merchant  and  (a)  your
 purchase  was  made  in  response  to  an  advertisement  we  sent  or
 purchase  was  made  in  response  to  an  advertisement  we  sent  or
 purchase  was  made  in  response  to  an  advertisement  we  sent  or
 purchase  was  made  in  response  to  an  advertisement  we  sent  or
 participated  in  sending  you;  (b)  your  purchase  was  made  from  a
 participated  in  sending  you;  (b)  your  purchase  was  made  from  a
 participated  in  sending  you;  (b)  your  purchase  was  made  from  a
 participated  in  sending  you;  (b)  your  purchase  was  made  from  a
 merchant we own or operate; or (c) your purchase cost more than $50
 merchant we own or operate; or (c) your purchase cost more than $50
 merchant we own or operate; or (c) your purchase cost more than $50
 merchant we own or operate; or (c) your purchase cost more than $50
and was made from a merchant in your state or within 100 miles of your
and was made from a merchant in your state or within 100 miles of your
and was made from a merchant in your state or within 100 miles of your
and was made from a merchant in your state or within 100 miles of your
home. We are relieved from any liability if you have already paid us for
home. We are relieved from any liability if you have already paid us for
home. We are relieved from any liability if you have already paid us for
home. We are relieved from any liability if you have already paid us for
the  disputed transaction. Any other disputes you must resolve directly
the  disputed transaction. Any other disputes you must resolve directly
the  disputed transaction. Any other disputes you must resolve directly
the  disputed transaction. Any other disputes you must resolve directly
with the merchant.
with the merchant.
with the merchant.
with the merchant.
3.  Credits: A merchant who honors your Card and gives you credit
3.  Credits: A merchant who honors your Card and gives you credit
3.  Credits: A merchant who honors your Card and gives you credit
3.  Credits: A merchant who honors your Card and gives you credit
for returns or adjustments will do so by sending us a credit slip which
for returns or adjustments will do so by sending us a credit slip which
for returns or adjustments will do so by sending us a credit slip which
for returns or adjustments will do so by sending us a credit slip which
we will post to your Account. Subject to Section D.15 of this Agree-
we will post to your Account. Subject to Section D.15 of this Agree-
we will post to your Account. Subject to Section D.15 of this Agree-
we will post to your Account. Subject to Section D.15 of this Agree-
ment, if your credits and/or payments exceed what you owe, we will
ment, if your credits and/or payments exceed what you owe, we will
ment, if your credits and/or payments exceed what you owe, we will
ment, if your credits and/or payments exceed what you owe, we will
hold  and  apply  this  credit  balance  against  future  transactions,  or
hold  and  apply  this  credit  balance  against  future  transactions,  or
hold  and  apply  this  credit  balance  against  future  transactions,  or
hold  and  apply  this  credit  balance  against  future  transactions,  or
 refund it on your written request if it is $1.00 or more.
 refund it on your written request if it is $1.00 or more.
 refund it on your written request if it is $1.00 or more.
 refund it on your written request if it is $1.00 or more.

N. TERMINATION

N. TERMINATION
N. TERMINATION
N. TERMINATION
1.  We may terminate this Agreement and close your Account at any
1.  We may terminate this Agreement and close your Account at any
1.  We may terminate this Agreement and close your Account at any
1.  We may terminate this Agreement and close your Account at any
time by sending you a written notice of the termination and the lawful
time by sending you a written notice of the termination and the lawful
time by sending you a written notice of the termination and the lawful
time by sending you a written notice of the termination and the lawful
business reasons for so doing.
business reasons for so doing.
business reasons for so doing.
business reasons for so doing.
2. We can close your Account without prior notice if you fail to pay on
2. We can close your Account without prior notice if you fail to pay on
2. We can close your Account without prior notice if you fail to pay on
2. We can close your Account without prior notice if you fail to pay on
time, or we have evidence or a reasonable belief that you are unable or
time, or we have evidence or a reasonable belief that you are unable or
time, or we have evidence or a reasonable belief that you are unable or
time, or we have evidence or a reasonable belief that you are unable or
unwilling to repay your Account balance. A significant increase in your
unwilling to repay your Account balance. A significant increase in your
unwilling to repay your Account balance. A significant increase in your
unwilling to repay your Account balance. A significant increase in your
obligations, your filing for bankruptcy relief, your unemployment, your
obligations, your filing for bankruptcy relief, your unemployment, your
obligations, your filing for bankruptcy relief, your unemployment, your
obligations, your filing for bankruptcy relief, your unemployment, your
failure  to  meet  other  obligations  you  have  to  us,  or  your  death,  are
failure  to  meet  other  obligations  you  have  to  us,  or  your  death,  are
failure  to  meet  other  obligations  you  have  to  us,  or  your  death,  are
failure  to  meet  other  obligations  you  have  to  us,  or  your  death,  are
 examples of circumstances that could lead us to close your Account
 examples of circumstances that could lead us to close your Account
 examples of circumstances that could lead us to close your Account
 examples of circumstances that could lead us to close your Account
without notice. We will give you advance notice required by law for other
without notice. We will give you advance notice required by law for other
without notice. We will give you advance notice required by law for other
without notice. We will give you advance notice required by law for other
terminations. If we close your Account with or without notice due to your
terminations. If we close your Account with or without notice due to your
terminations. If we close your Account with or without notice due to your
terminations. If we close your Account with or without notice due to your
breach of this Agreement or any other agreement you have with us, your
breach of this Agreement or any other agreement you have with us, your
breach of this Agreement or any other agreement you have with us, your
breach of this Agreement or any other agreement you have with us, your
death or your bankruptcy, we can demand that you pay off the  entire bal-
death or your bankruptcy, we can demand that you pay off the  entire bal-
death or your bankruptcy, we can demand that you pay off the  entire bal-
death or your bankruptcy, we can demand that you pay off the  entire bal-
ance at once.
ance at once.
ance at once.
ance at once.
3.  You can close your Account by sending us a written request and
3.  You can close your Account by sending us a written request and
3.  You can close your Account by sending us a written request and
3.  You can close your Account by sending us a written request and
cutting all issued Cards and courtesy checks in half and returning them
cutting all issued Cards and courtesy checks in half and returning them
cutting all issued Cards and courtesy checks in half and returning them
cutting all issued Cards and courtesy checks in half and returning them
to us. 
to us. 
to us. 
to us. 

4.  If we or you close your Account, you agree to surrender all issued
4.  If we or you close your Account, you agree to surrender all issued
4.  If we or you close your Account, you agree to surrender all issued
4.  If we or you close your Account, you agree to surrender all issued
Cards and courtesy checks to us. The Cards and courtesy checks remain
Cards and courtesy checks to us. The Cards and courtesy checks remain
Cards and courtesy checks to us. The Cards and courtesy checks remain
Cards and courtesy checks to us. The Cards and courtesy checks remain
our  property.  Even  if  your Account  is  closed,  you  must  still  pay  your
our  property.  Even  if  your Account  is  closed,  you  must  still  pay  your
our  property.  Even  if  your Account  is  closed,  you  must  still  pay  your
our  property.  Even  if  your Account  is  closed,  you  must  still  pay  your
 outstanding balance in full under the terms of this Agreement.
 outstanding balance in full under the terms of this Agreement.
 outstanding balance in full under the terms of this Agreement.
 outstanding balance in full under the terms of this Agreement.

O. GENERAL TERMS

O. GENERAL TERMS

O. GENERAL TERMS
O. GENERAL TERMS
This Agreement  reflects  your  obligations  to  us  with  respect  to  all
This Agreement  reflects  your  obligations  to  us  with  respect  to  all
This Agreement  reflects  your  obligations  to  us  with  respect  to  all
This Agreement  reflects  your  obligations  to  us  with  respect  to  all
 Account transactions you make even though sales, cash advance or credit
 Account transactions you make even though sales, cash advance or credit
 Account transactions you make even though sales, cash advance or credit
 Account transactions you make even though sales, cash advance or credit
slips you sign may contain different terms. If any part of this Agreement is
slips you sign may contain different terms. If any part of this Agreement is
slips you sign may contain different terms. If any part of this Agreement is
slips you sign may contain different terms. If any part of this Agreement is
found  to  be  invalid,  the  remaining  provisions  will  continue  in  effect.
found  to  be  invalid,  the  remaining  provisions  will  continue  in  effect.
found  to  be  invalid,  the  remaining  provisions  will  continue  in  effect.
found  to  be  invalid,  the  remaining  provisions  will  continue  in  effect.
It  will  not  be  construed  against  either  party.  Federal  law,  including
It  will  not  be  construed  against  either  party.  Federal  law,  including
It  will  not  be  construed  against  either  party.  Federal  law,  including
It  will  not  be  construed  against  either  party.  Federal  law,  including
 Consumer Financial Protection Bureau Regulation Z, and any applicable
 Consumer Financial Protection Bureau Regulation Z, and any applicable
 Consumer Financial Protection Bureau Regulation Z, and any applicable
 Consumer Financial Protection Bureau Regulation Z, and any applicable
state  law  not  pre-empted  by   federal  law,  will  govern  this Agreement’s
state  law  not  pre-empted  by   federal  law,  will  govern  this Agreement’s
state  law  not  pre-empted  by   federal  law,  will  govern  this Agreement’s
state  law  not  pre-empted  by   federal  law,  will  govern  this Agreement’s
 interpretation.
 interpretation.
 interpretation.
 interpretation.

BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE
STATE AND LOCAL LAW

BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE
STATE AND LOCAL LAW

BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE
BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE
STATE AND LOCAL LAW
STATE AND LOCAL LAW
The following summary of your rights under federal law does not cover
The following summary of your rights under federal law does not cover
The following summary of your rights under federal law does not cover
The following summary of your rights under federal law does not cover
all rights you may have under State and local law. If, under State or local
all rights you may have under State and local law. If, under State or local
all rights you may have under State and local law. If, under State or local
all rights you may have under State and local law. If, under State or local
law, you have a longer of period of time in which to send an inquiry to us
law, you have a longer of period of time in which to send an inquiry to us
law, you have a longer of period of time in which to send an inquiry to us
law, you have a longer of period of time in which to send an inquiry to us
concerning your statement, reliance on any such longer time period may
concerning your statement, reliance on any such longer time period may
concerning your statement, reliance on any such longer time period may
concerning your statement, reliance on any such longer time period may
result in your losing important rights that could be preserved by acting more
result in your losing important rights that could be preserved by acting more
result in your losing important rights that could be preserved by acting more
result in your losing important rights that could be preserved by acting more
promptly under federal law. State or local provisions, if any, only  become
promptly under federal law. State or local provisions, if any, only  become
promptly under federal law. State or local provisions, if any, only  become
promptly under federal law. State or local provisions, if any, only  become
operative upon the expiration of the time period provided by Consumer
operative upon the expiration of the time period provided by Consumer
operative upon the expiration of the time period provided by Consumer
operative upon the expiration of the time period provided by Consumer
 Financial Protection Bureau Regulation Z for submitting a proper written
 Financial Protection Bureau Regulation Z for submitting a proper written
 Financial Protection Bureau Regulation Z for submitting a proper written
 Financial Protection Bureau Regulation Z for submitting a proper written
notification of an error.
notification of an error.
notification of an error.
notification of an error.
This  notice  contains  important  information  about  your  rights  and
This  notice  contains  important  information  about  your  rights  and
 responsibilities under the Fair Credit Billing Act.
 responsibilities under the Fair Credit Billing Act.
 responsibilities under the Fair Credit Billing Act.

This  notice  contains  important  information  about  your  rights  and

This  notice  contains  important  information  about  your  rights  and

 responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake on Your Statement
What To Do If You Find A Mistake on Your Statement
If you think there is an error on your statement, you must write to us
If you think there is an error on your statement, you must write to us

What To Do If You Find A Mistake on Your Statement
What To Do If You Find A Mistake on Your Statement
If you think there is an error on your statement, you must write to us
If you think there is an error on your statement, you must write to us
at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services
at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services
at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

P.O. Box 23040, Albuquerque, NM 87192-9910

P.O. Box 23040, Albuquerque, NM 87192-9910

In your letter give us the following information:

In your letter give us the following information:
In your letter give us the following information:
In your letter give us the following information:
• Account information: Your name and account number.
• Account information: Your name and account number.
• Account information: Your name and account number.
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Dollar amount: The dollar amount of the suspected error.
• Dollar amount: The dollar amount of the suspected error.
• Dollar amount: The dollar amount of the suspected error.
• Description of the problem: If you think there is an error on your
• Description of the problem: If you think there is an error on your
• Description of the problem: If you think there is an error on your
• Description of the problem: If you think there is an error on your
statement, describe what you believe is wrong and why you  believe
statement, describe what you believe is wrong and why you  believe
statement, describe what you believe is wrong and why you  believe
statement, describe what you believe is wrong and why you  believe
it is a mistake.
it is a mistake.
it is a mistake.
it is a mistake.
You must contact us:
You must contact us:
You must contact us:
You must contact us:
• Within 60 days after the error appeared on your statement.
• Within 60 days after the error appeared on your statement.
• Within 60 days after the error appeared on your statement.
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automatic payment is scheduled,
• At least 3 business days before an automatic payment is scheduled,
• At least 3 business days before an automatic payment is scheduled,
• At least 3 business days before an automatic payment is scheduled,
if you want to stop payment on the amount you think is wrong.
if you want to stop payment on the amount you think is wrong.
if you want to stop payment on the amount you think is wrong.
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
You must notify us of any potential errors in writing. You may call us
You must notify us of any potential errors in writing. You may call us
You must notify us of any potential errors in writing. You may call us
at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing,
at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing,
at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing,
at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing,
we are not required to investigate any potential errors and you may have
we are not required to investigate any potential errors and you may have
we are not required to investigate any potential errors and you may have
we are not required to investigate any potential errors and you may have
to pay the amount in question.
to pay the amount in question.
to pay the amount in question.
to pay the amount in question.

What Will Happen After We Receive Your Letter

What Will Happen After We Receive Your Letter

What Will Happen After We Receive Your Letter

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

When we receive your letter, we must do two things:
When we receive your letter, we must do two things:
When we receive your letter, we must do two things:
1.   Within 30 days of receiving your letter, we must tell you that we
1.   Within 30 days of receiving your letter, we must tell you that we
1.   Within 30 days of receiving your letter, we must tell you that we
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
received  your  letter.    We  will  also  tell  you  if  we  have  already
received  your  letter.    We  will  also  tell  you  if  we  have  already
received  your  letter.    We  will  also  tell  you  if  we  have  already
 corrected the error.
 corrected the error.
 corrected the error.
 corrected the error.
2.   Within 90 days of receiving your letter, we must either correct the
2.   Within 90 days of receiving your letter, we must either correct the
2.   Within 90 days of receiving your letter, we must either correct the
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.
error or explain to you why we believe the bill is correct.
error or explain to you why we believe the bill is correct.
error or explain to you why we believe the bill is correct.

If you receive our explanation but still believe your bill is wrong, you
If you receive our explanation but still believe your bill is wrong, you
If you receive our explanation but still believe your bill is wrong, you
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
must write to us within 10 days telling us that you still refuse to pay. If you
must write to us within 10 days telling us that you still refuse to pay. If 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
do so, we cannot report you as delinquent without also reporting that you are
do so, we cannot report you as delinquent without also reporting that you are
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 re-
questioning your bill. We must tell you the name of anyone to whom we re-
questioning your bill. We must tell you the name of anyone to whom we re-
questioning your bill. We must tell you the name of anyone to whom we re-
ported you as delinquent, and we must let those organizations know when
ported you as delinquent, and we must let those organizations know when
ported you as delinquent, and we must let those organizations know when
ported you as delinquent, and we must let those organizations know when
the matter has been settled between us. 
the matter has been settled between us. 
the matter has been settled between us. 
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 statement is correct.

If we do not follow all of the rules above, you do not have to pay the first

If we do not follow all of the rules above, you do not have to pay the first

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 statement is correct.

$50 of the amount you question even if your statement is correct.

$50 of the amount you question even if your statement is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you purchased
If you are dissatisfied with the goods or services that you purchased
If you are dissatisfied with the goods or services that you purchased
If you are dissatisfied with the goods or services that you purchased
with your credit card, and you have tried in good faith to correct the problem
with your credit card, and you have tried in good faith to correct the problem
with your credit card, and you have tried in good faith to correct the problem
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
with the merchant, you may have the right not to pay the remaining amount
with the merchant, you may have the right not to pay the remaining amount
with the merchant, you may have the right not to pay the remaining amount
due on the purchase. 
due on the purchase. 
due on the purchase. 
due on the purchase. 

To use this right, all of the following must be true:

To use this right, all of the following must be true:
To use this right, all of the following must be true:
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
1.   The purchase must have been made in your home state or within 100
1.   The purchase must have been made in your home state or within 100
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
miles of your current mailing address, and the purchase price must
miles of your current mailing address, and the purchase price must
miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your
have been more than $50. (Note: Neither of these are necessary if your
have been more than $50. (Note: Neither of these are necessary if your
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
purchase was based on an advertisement we mailed to you, or if we
purchase was based on an advertisement we mailed to you, or if we
purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
own the company that sold you the goods or services.)
own the company that sold you the goods or services.)
own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases
2. You must have used your credit card for the purchase. Purchases
2. You must have used your credit card for the purchase. Purchases
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
made with cash advances from an ATM or with a check that accesses
made with cash advances from an ATM or with a check that accesses
made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
your credit card account do not qualify.
your credit card account do not qualify.
your credit card account do not qualify.
3. You must not yet have fully paid for the purchase. 
3. You must not yet have fully paid for the purchase. 
3. You must not yet have fully paid for the purchase. 
3. You must not yet have fully paid for the purchase. 

 purchase, contact us in writing at:

If all of the criteria above are met and you are still dissatisfied with the

If all of the criteria above are met and you are still dissatisfied with the

If all of the criteria above are met and you are still dissatisfied with the

If all of the criteria above are met and you are still dissatisfied with the
 purchase, contact us in writing at:
 purchase, contact us in writing at:
Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

 purchase, contact us in writing at:
Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

Sandia Laboratory Federal Credit Union, ATTN: Card Services
P.O. Box 23040, Albuquerque, NM 87192-9910

While we investigate, the same rules apply to the disputed amount as
While we investigate, the same rules apply to the disputed amount as
While we investigate, the same rules apply to the disputed amount as
While we investigate, the same rules apply to the disputed amount as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
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
 decision. At that point, if we think you owe an amount and you do not pay, we
 decision. At that point, if we think you owe an amount and you do not pay, we
 decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.
may report you as delinquent.
may report you as delinquent.
may report you as delinquent.

NOTICE TO CALIFORNIA RESIDENTS

 attempt to get satisfaction of your complaint; and

 attempt to get satisfaction of your complaint; and

NOTICE TO CALIFORNIA RESIDENTS
NOTICE TO CALIFORNIA RESIDENTS
NOTICE TO CALIFORNIA RESIDENTS
Under California law, our right to recover credit extended to you for credit
Under California law, our right to recover credit extended to you for credit
Under California law, our right to recover credit extended to you for credit
Under California law, our right to recover credit extended to you for credit
card purchases is subject to any defenses that you have against the seller if:
card purchases is subject to any defenses that you have against the seller if:
card purchases is subject to any defenses that you have against the seller if:
card purchases is subject to any defenses that you have against the seller if:
1. The purchase price of the item in question exceeded $50;
1. The purchase price of the item in question exceeded $50;
1. The purchase price of the item in question exceeded $50;
1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
2. The purchase was made in California;
2. The purchase was made in California;
2. The purchase was made in California;
3.  You  made  a  written  demand  on  the  retailer  and  made  a  good  faith
3.  You  made  a  written  demand  on  the  retailer  and  made  a  good  faith
3.  You  made  a  written  demand  on  the  retailer  and  made  a  good  faith
3.  You  made  a  written  demand  on  the  retailer  and  made  a  good  faith
 attempt to get satisfaction of your complaint; and
 attempt to get satisfaction of your complaint; and
4. You notify us in writing of the name of the seller, the date of purchase, the
4. You notify us in writing of the name of the seller, the date of purchase, the
4. You notify us in writing of the name of the seller, the date of purchase, the
4. You notify us in writing of the name of the seller, the date of purchase, the
price paid, the goods or services purchased, and the acts that you took to
price paid, the goods or services purchased, and the acts that you took to
price paid, the goods or services purchased, and the acts that you took to
price paid, the goods or services purchased, and the acts that you took to
 obtain satisfaction from the seller. 
 obtain satisfaction from the seller. 
 obtain satisfaction from the seller. 
 obtain satisfaction from the seller. 
The  amount  to  which  the  defense  applies  is  limited  to  the  amount
The  amount  to  which  the  defense  applies  is  limited  to  the  amount
The  amount  to  which  the  defense  applies  is  limited  to  the  amount
The  amount  to  which  the  defense  applies  is  limited  to  the  amount
 outstanding on the purchase as well as late charges and finance charges at
 outstanding on the purchase as well as late charges and finance charges at
 outstanding on the purchase as well as late charges and finance charges at
 outstanding on the purchase as well as late charges and finance charges at
the time we receive the written demand.
the time we receive the written demand.
the time we receive the written demand.
the time we receive the written demand.
This remedy is the only one you have against us. Your rights are limited to
This remedy is the only one you have against us. Your rights are limited to
This remedy is the only one you have against us. Your rights are limited to
This remedy is the only one you have against us. Your rights are limited to
those circumstances outlined in California Civil Code §1747.90. Purchases
those circumstances outlined in California Civil Code §1747.90. Purchases
those circumstances outlined in California Civil Code §1747.90. Purchases
those circumstances outlined in California Civil Code §1747.90. Purchases
with cash or check are not included in this section even though you used your
with cash or check are not included in this section even though you used your
with cash or check are not included in this section even though you used your
with cash or check are not included in this section even though you used your
credit card to validate your credit. 
credit card to validate your credit. 
credit card to validate your credit. 
credit card to validate your credit. 
We cannot penalize you by either giving out unfavorable credit information
We cannot penalize you by either giving out unfavorable credit information
We cannot penalize you by either giving out unfavorable credit information
We cannot penalize you by either giving out unfavorable credit information
about you or canceling or refusing to renew your credit card solely  because
about you or canceling or refusing to renew your credit card solely  because
about you or canceling or refusing to renew your credit card solely  because
about you or canceling or refusing to renew your credit card solely  because
you obtained relief under the remedies you have for correcting billing errors.
you obtained relief under the remedies you have for correcting billing errors.
you obtained relief under the remedies you have for correcting billing errors.
you obtained relief under the remedies you have for correcting billing errors.

delinquent on that amount.

continue to charge you interest on that amount.

While we investigate whether or not there has been an error:

• The charge in question may remain on your statement, and we may

• While  you  do  not  have  to  pay  the  amount  in  question,  you  are

While we investigate whether or not there has been an error:
While we investigate whether or not there has been an error:
While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as
• We cannot try to collect the amount in question, or report you as
• We cannot try to collect the amount in question, or report you as
• We cannot try to collect the amount in question, or report you as
delinquent on that amount.
delinquent on that amount.
delinquent on that amount.
• The charge in question may remain on your statement, and we may
• The charge in question may remain on your statement, and we may
• The charge in question may remain on your statement, and we may
continue to charge you interest on that amount.
continue to charge you interest on that amount.
continue to charge you interest on that amount.
• While  you  do  not  have  to  pay  the  amount  in  question,  you  are
• While  you  do  not  have  to  pay  the  amount  in  question,  you  are
• While  you  do  not  have  to  pay  the  amount  in  question,  you  are
 responsible for the remainder of your balance.
 responsible for the remainder of your balance.
 responsible for the remainder of your balance.
 responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
• We can apply any unpaid amount against your credit limit.
• We can apply any unpaid amount against your credit limit.
• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
After we finish our investigation, one of two things will happen:
After we finish our investigation, one of two things will happen:
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
If  we  made  a  mistake: You  will  not  have  to  pay  the  amount  in
•
If  we  made  a  mistake: You  will  not  have  to  pay  the  amount  in
•
•
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.
 question or any interest or other fees related to that amount.
 question or any interest or other fees related to that amount.
 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
If we do not believe there was a mistake: You will have to pay the
If we do not believe there was a mistake: You will have to pay the
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
amount in question, along with applicable interest and fees. We will
amount in question, along with applicable interest and fees. We will
amount in question, along with applicable interest and fees. We will
send you a statement of the amount you owe and the date  payment
send you a statement of the amount you owe and the date  payment
send you a statement of the amount you owe and the date  payment
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
is due. We may then report you as delinquent if you do not pay the
is due. We may then report you as delinquent if you do not pay the
is due. We may then report you as delinquent if you do not pay the
amount we think you owe.
amount we think you owe.
amount we think you owe.
amount we think you owe.

•

•

ATM DISCLOSURE

ATM DISCLOSURE

ATM DISCLOSURE
ATM DISCLOSURE
This part of this disclosure includes special provisions applicable to the use
This part of this disclosure includes special provisions applicable to the use
This part of this disclosure includes special provisions applicable to the use
This part of this disclosure includes special provisions applicable to the use
of the Card to obtain cash advances at Automated Teller Machines (ATMs).
of the Card to obtain cash advances at Automated Teller Machines (ATMs).
of the Card to obtain cash advances at Automated Teller Machines (ATMs).
of the Card to obtain cash advances at Automated Teller Machines (ATMs).
This disclosure addresses only credit card cash advances at ATMs. Refer to
This disclosure addresses only credit card cash advances at ATMs. Refer to
This disclosure addresses only credit card cash advances at ATMs. Refer to
This disclosure addresses only credit card cash advances at ATMs. Refer to
your separate Electronic Funds Transfer disclosure for a complete disclosure
your separate Electronic Funds Transfer disclosure for a complete disclosure
your separate Electronic Funds Transfer disclosure for a complete disclosure
your separate Electronic Funds Transfer disclosure for a complete disclosure
of terms applicable to ATM Cards and Debit Cards. 
of terms applicable to ATM Cards and Debit Cards. 
of terms applicable to ATM Cards and Debit Cards. 
of terms applicable to ATM Cards and Debit Cards. 

Available Services

Available Services
Available Services
Available Services
The ATM you use may restrict the number of credit card transactions and
The ATM you use may restrict the number of credit card transactions and
The ATM you use may restrict the number of credit card transactions and
The ATM you use may restrict the number of credit card transactions and
the  amount  of  each  transaction.    Each  ATM  owner  determines  hours  of
the  amount  of  each  transaction.    Each  ATM  owner  determines  hours  of
the  amount  of  each  transaction.    Each  ATM  owner  determines  hours  of
the  amount  of  each  transaction.    Each  ATM  owner  determines  hours  of
 service, but ATMs are generally available 24 hours a day, 7 days a week,
 service, but ATMs are generally available 24 hours a day, 7 days a week,
 service, but ATMs are generally available 24 hours a day, 7 days a week,
 service, but ATMs are generally available 24 hours a day, 7 days a week,
 subject to periodic closures for maintenance.
 subject to periodic closures for maintenance.
 subject to periodic closures for maintenance.
 subject to periodic closures for maintenance.

Documentation of Transactions

Documentation of Transactions
Documentation of Transactions
Documentation of Transactions
The ATM may generate a receipt for cash advance transaction, and ATM
The ATM may generate a receipt for cash advance transaction, and ATM
cash advance transactions will appear on your monthly statement.
cash advance transactions will appear on your monthly statement.
cash advance transactions will appear on your monthly statement.

The ATM may generate a receipt for cash advance transaction, and ATM

The ATM may generate a receipt for cash advance transaction, and ATM

cash advance transactions will appear on your monthly statement.

Credit Union Liability

stolen and we have blocked its use;

stolen and we have blocked its use;

down when you started the transaction;

down when you started the transaction;

3. Your personal identification number (PIN) or Card has been reported lost or

Credit Union Liability
Credit Union Liability
Credit Union Liability
We will not be liable for failure to complete cash advance transactions if:
We will not be liable for failure to complete cash advance transactions if:
We will not be liable for failure to complete cash advance transactions if:
We will not be liable for failure to complete cash advance transactions if:
1.  Your Account does not have available credit to make the transaction; 
1.  Your Account does not have available credit to make the transaction; 
1.  Your Account does not have available credit to make the transaction; 
1.  Your Account does not have available credit to make the transaction; 
2. The ATM system was not working properly and you knew about the break-
2. The ATM system was not working properly and you knew about the break-
2. The ATM system was not working properly and you knew about the break-
2. The ATM system was not working properly and you knew about the break-
down when you started the transaction;
down when you started the transaction;
3. Your personal identification number (PIN) or Card has been reported lost or
3. Your personal identification number (PIN) or Card has been reported lost or
3. Your personal identification number (PIN) or Card has been reported lost or
stolen and we have blocked its use;
stolen and we have blocked its use;
4. Circumstances beyond our control, such as communication malfunction, fire,
4. Circumstances beyond our control, such as communication malfunction, fire,
4. Circumstances beyond our control, such as communication malfunction, fire,
4. Circumstances beyond our control, such as communication malfunction, fire,
flood, electrical failure, or malfunction of the central data processing facility pre-
flood, electrical failure, or malfunction of the central data processing facility pre-
flood, electrical failure, or malfunction of the central data processing facility pre-
flood, electrical failure, or malfunction of the central data processing facility pre-
vent completion of the transaction despite our reasonable precautions; or
vent completion of the transaction despite our reasonable precautions; or
vent completion of the transaction despite our reasonable precautions; or
vent completion of the transaction despite our reasonable precautions; or
5. We establish other lawful exceptions and notify you of them. 
5. We establish other lawful exceptions and notify you of them. 
5. We establish other lawful exceptions and notify you of them. 
5. We establish other lawful exceptions and notify you of them. 
Security
Security
Security
Do not use an ATM machine unless it appears safe to do so. Do not key in your
Do not use an ATM machine unless it appears safe to do so. Do not key in your
Do not use an ATM machine unless it appears safe to do so. Do not key in your
Do not use an ATM machine unless it appears safe to do so. Do not key in your
PIN if someone is looking. Take your Card, receipt and money when you are done,
PIN if someone is looking. Take your Card, receipt and money when you are done,
PIN if someone is looking. Take your Card, receipt and money when you are done,
PIN if someone is looking. Take your Card, receipt and money when you are done,
put your money away quickly, and leave the site.
put your money away quickly, and leave the site.
put your money away quickly, and leave the site.
put your money away quickly, and leave the site.

Security

NOTICE TO CO-SIGNER
(Traduccion en Ingles Requiere Por La Ley)

NOTICE TO CO-SIGNER
NOTICE TO CO-SIGNER
NOTICE TO CO-SIGNER
(Traduccion en Ingles Requiere Por La Ley)
(Traduccion en Ingles Requiere Por La Ley)
(Traduccion en Ingles Requiere Por La Ley)

You are being asked to guarantee this debt. Think carefully
You are being asked to guarantee this debt. Think carefully
You are being asked to guarantee this debt. Think carefully
You are being asked to guarantee this debt. Think carefully
before you do. If the borrower doesn’t pay the debt, you will
before you do. If the borrower doesn’t pay the debt, you will
before you do. If the borrower doesn’t pay the debt, you will
before you do. If the borrower doesn’t pay the debt, you will
have to. Be sure you can afford to pay if you have to, and that
have to. Be sure you can afford to pay if you have to, and that
have to. Be sure you can afford to pay if you have to, and that
have to. Be sure you can afford to pay if you have to, and that
you want to accept this responsibility. 
you want to accept this responsibility. 
you want to accept this responsibility. 
you want to accept this responsibility. 
You may have to pay up to the full amount of the debt if the
You may have to pay up to the full amount of the debt if the
You may have to pay up to the full amount of the debt if the
You may have to pay up to the full amount of the debt if the
borrower does not pay. You may also have to pay late fees or
borrower does not pay. You may also have to pay late fees or
borrower does not pay. You may also have to pay late fees or
borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount.
collection costs, which increase this amount.
collection costs, which increase this amount.
collection costs, which increase this amount.
The creditor can collect this debt from you without first try-
The creditor can collect this debt from you without first try-
The creditor can collect this debt from you without first try-
The creditor can collect this debt from you without first try-
ing to collect from the borrower. The creditor can use the same
ing to collect from the borrower. The creditor can use the same
ing to collect from the borrower. The creditor can use the same
ing to collect from the borrower. The creditor can use the same
collection methods against you that can be used against the
collection methods against you that can be used against the
collection methods against you that can be used against the
collection methods against you that can be used against the
borrower, such as suing you, garnishing your wages, etc. If
borrower, such as suing you, garnishing your wages, etc. If
borrower, such as suing you, garnishing your wages, etc. If
borrower, such as suing you, garnishing your wages, etc. If
this debt is ever in default, that fact may  become part of your
this debt is ever in default, that fact may  become part of your
this debt is ever in default, that fact may  become part of your
this debt is ever in default, that fact may  become part of your
credit record.
credit record.
credit record.
credit record.
This  notice  is  not  the  contract  that  makes  you  liable
This  notice  is  not  the  contract  that  makes  you  liable
This  notice  is  not  the  contract  that  makes  you  liable
This  notice  is  not  the  contract  that  makes  you  liable
for the debt.
for the debt.
for the debt.

for the debt.

AISO PARA EL FIADOR
AISO PARA EL FIADOR
AISO PARA EL FIADOR
AISO PARA EL FIADOR
(Spanish Translation Required by Law)
(Spanish Translation Required by Law)
(Spanish Translation Required by Law)
(Spanish Translation Required by Law)
Se le está pidiendo que garantice esta deuda. Piénselo con
Se le está pidiendo que garantice esta deuda. Piénselo con
Se le está pidiendo que garantice esta deuda. Piénselo con
Se le está pidiendo que garantice esta deuda. Piénselo con
cuidado antes de ponerse de acuerdo. Si la persona que ha
cuidado antes de ponerse de acuerdo. Si la persona que ha
cuidado antes de ponerse de acuerdo. Si la persona que ha
cuidado antes de ponerse de acuerdo. Si la persona que ha
pedido este préstamo no paga la deuda, usted  tendrá que
pedido este préstamo no paga la deuda, usted  tendrá que
pedido este préstamo no paga la deuda, usted  tendrá que
pedido este préstamo no paga la deuda, usted  tendrá que
 pagarla. Esté seguro de que usted podrá pagar si sea obligado
 pagarla. Esté seguro de que usted podrá pagar si sea obligado
 pagarla. Esté seguro de que usted podrá pagar si sea obligado
 pagarla. Esté seguro de que usted podrá pagar si sea obligado
a pagarla y de que usted desea aceptar la responsabilidad.
a pagarla y de que usted desea aceptar la responsabilidad.
a pagarla y de que usted desea aceptar la responsabilidad.
a pagarla y de que usted desea aceptar la responsabilidad.
Si la persona que ha pedido el préstamo no paga la deuda,
Si la persona que ha pedido el préstamo no paga la deuda,
Si la persona que ha pedido el préstamo no paga la deuda,
Si la persona que ha pedido el préstamo no paga la deuda,
es posible que usted tenga que pagar la suma total de la
es posible que usted tenga que pagar la suma total de la
es posible que usted tenga que pagar la suma total de la
es posible que usted tenga que pagar la suma total de la
deuda, mas los cargos por tardarse en el pago o el costo de
deuda, mas los cargos por tardarse en el pago o el costo de
deuda, mas los cargos por tardarse en el pago o el costo de
deuda, mas los cargos por tardarse en el pago o el costo de
cobranza, lo cual aumenta el total de esta suma. 
cobranza, lo cual aumenta el total de esta suma. 
cobranza, lo cual aumenta el total de esta suma. 
cobranza, lo cual aumenta el total de esta suma. 
El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,
El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,
El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,
El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,
primeramente, tratar do cobrarle al deudor. Los mismos meto-
primeramente, tratar do cobrarle al deudor. Los mismos meto-
primeramente, tratar do cobrarle al deudor. Los mismos meto-
primeramente, tratar do cobrarle al deudor. Los mismos meto-
dos de cobranza que pueden usarse contra el deudor, podran
dos de cobranza que pueden usarse contra el deudor, podran
dos de cobranza que pueden usarse contra el deudor, podran
dos de cobranza que pueden usarse contra el deudor, podran
usarse contra usted, tales como presentar una  demanda en
usarse contra usted, tales como presentar una  demanda en
usarse contra usted, tales como presentar una  demanda en
usarse contra usted, tales como presentar una  demanda en
corte, quitar parte de su sueldo, etc. Si  alguna ves no se
corte, quitar parte de su sueldo, etc. Si  alguna ves no se
corte, quitar parte de su sueldo, etc. Si  alguna ves no se
corte, quitar parte de su sueldo, etc. Si  alguna ves no se
cumpla  con  la  obligación  de  pagar  esta  deuda,  se  puede
cumpla  con  la  obligación  de  pagar  esta  deuda,  se  puede
cumpla  con  la  obligación  de  pagar  esta  deuda,  se  puede
cumpla  con  la  obligación  de  pagar  esta  deuda,  se  puede
 incluir esa información en la historia de credito de usted.
 incluir esa información en la historia de credito de usted.
 incluir esa información en la historia de credito de usted.
 incluir esa información en la historia de credito de usted.
Este aviso no es el contrato mismo en que se le hecha
Este aviso no es el contrato mismo en que se le hecha
Este aviso no es el contrato mismo en que se le hecha
Este aviso no es el contrato mismo en que se le hecha
a usted la responsabilidad de la deuda.
a usted la responsabilidad de la deuda.
a usted la responsabilidad de la deuda.

a usted la responsabilidad de la deuda.

© 2013  Greene & Allison LLP. All rights reserved.  

© 2013  Greene & Allison LLP. All rights reserved.  

© 2013  Greene & Allison LLP. All rights reserved.  

© 2013  Greene & Allison LLP. All rights reserved.  

VISA® and MasterCard® Credit Card Agreement

VISA® and MasterCard® Credit Card Agreement

VISA® and MasterCard® Credit Card Agreement

VISA® and MasterCard® Credit Card Agreement

and Truth in Lending Disclosure

and Truth in Lending Disclosure

and Truth in Lending Disclosure

and Truth in Lending Disclosure

Interest Rate and Interest Charges

Interest Rate and Interest Charges

Interest Rate and Interest Charges

Interest Rate and Interest Charges

Annual Percentage

Annual Percentage

Annual Percentage

Annual Percentage

Rate (APR)

Rate (APR)

Rate (APR)

Rate (APR)

for Purchases

for Purchases

for Purchases

for Purchases

9.25% VISA® Gold with No Rebate

9.25% VISA® Gold with No Rebate

9.25% VISA® Gold with No Rebate

9.25% VISA® Gold with No Rebate

9.75% VISA® Classic or MasterCard®

9.75% VISA® Classic or MasterCard®

9.75% VISA® Classic or MasterCard®

9.75% VISA® Classic or MasterCard®

with No Rebate

with No Rebate

with No Rebate

with No Rebate

11.00% VISA® Gold with Rebate

11.00% VISA® Gold with Rebate

11.00% VISA® Gold with Rebate

11.00% VISA® Gold with Rebate

11.50% VISA® Classic or MasterCard®

11.50% VISA® Classic or MasterCard®

11.50% VISA® Classic or MasterCard®

11.50% VISA® Classic or MasterCard®

with Rebate

with Rebate

with Rebate

with Rebate

11.50% VISA® Student Card

11.50% VISA® Student Card

11.50% VISA® Student Card

11.50% VISA® Student Card

with Rebate

with Rebate

with Rebate

with Rebate

APR for Balance

APR for Balance

APR for Balance

APR for Balance

Same as above

Same as above

Same as above

Same as above

Transfers

Transfers

Transfers

Transfers

Advances

Advances

Advances

Advances

APR for Cash

APR for Cash

APR for Cash

APR for Cash

Same as above

Same as above

Same as above

Same as above

Penalty APR and

Penalty APR and

Penalty APR and

Penalty APR and

None

None

None

None

When It Applies

When It Applies

When It Applies

When It Applies

How To Avoid

How To Avoid

How To Avoid

How To Avoid

Paying Interest

Paying Interest

Paying Interest

Paying Interest

Your due date is at least 25 days after the

Your due date is at least 25 days after the

Your due date is at least 25 days after the

Your due date is at least 25 days after the

close of each billing cycle. We will not charge

close of each billing cycle. We will not charge

close of each billing cycle. We will not charge

close of each billing cycle. We will not charge

you any interest on purchases if you pay your

you any interest on purchases if you pay your

you any interest on purchases if you pay your

you any interest on purchases if you pay your

entire balance by the due date each month.

entire balance by the due date each month.

entire balance by the due date each month.

entire balance by the due date each month.

We will begin charging interest on cash

We will begin charging interest on cash

We will begin charging interest on cash

We will begin charging interest on cash

 advances and balance transfers on the

 advances and balance transfers on the

 advances and balance transfers on the

 advances and balance transfers on the

 transaction date. 

 transaction date. 

 transaction date. 

 transaction date. 

Minimum Interest

Minimum Interest

Minimum Interest

Minimum Interest

None

None

None

None

Charge

Charge

Charge

Charge

For Credit Card

For Credit Card

For Credit Card

For Credit Card

Tips from the

Tips from the

Tips from the

Tips from the

Consumer Financial

Consumer Financial

Consumer Financial

Consumer Financial

Protection Bureau

Protection Bureau

Protection Bureau

Protection Bureau

To learn more about factors to consider

To learn more about factors to consider

To learn more about factors to consider

To learn more about factors to consider

when applying for or using a credit

when applying for or using a credit

when applying for or using a credit

when applying for or using a credit

card, visit the website of the Consumer

card, visit the website of the Consumer

card, visit the website of the Consumer

card, visit the website of the Consumer

Financial Protection Bureau at

Financial Protection Bureau at

Financial Protection Bureau at

Financial Protection Bureau at

www.consumerfinance.gov/learnmore

www.consumerfinance.gov/learnmore

www.consumerfinance.gov/learnmore

www.consumerfinance.gov/learnmore

Fees

Fees

Fees

Fees

1% of each transaction in US dollars

1% of each transaction in US dollars

1% of each transaction in US dollars

1% of each transaction in US dollars

Annual Fees

Annual Fees

Annual Fees

Annual Fees

None

None

None

None

Transaction Fees

Transaction Fees

Transaction Fees

Transaction Fees

• Balance Transfers

• Balance Transfers

• Balance Transfers

• Balance Transfers

None

None

None

None

• Cash Advances

• Cash Advances

• Cash Advances

• Cash Advances

$5.00

$5.00

$5.00

$5.00

• Foreign

• Foreign

• Foreign

• Foreign

Transactions

Transactions

Transactions

Transactions

Penalty Fees

Penalty Fees

Penalty Fees

Penalty Fees

• Late Payment

• Late Payment

• Late Payment

• Late Payment

Up to $20

Up to $20

Up to $20

Up to $20

• Over-the-Credit

• Over-the-Credit

• Over-the-Credit

• Over-the-Credit

Up to $20

Up to $20

Up to $20

Up to $20

Limit

Limit

Limit

Limit

• Returned

• Returned

• Returned

• Returned

Payment

Payment

Payment

Payment

Up to $20

Up to $20

Up to $20

Up to $20

M # 110057-B

M # 110057-B

M # 110057-B

M # 110057-B