CONSUMER CREDIT CARD AGREEMENT 

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit 
Union" means the Credit Union  whose name appears on this Agreement or  anyone  to  whom the Credit Union transfers 
this Agreement. 
1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not  allow advances over the credit limit. If the Credit  Union has a program whereby  it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease  your credit limit, refuse to make an 
advance  and/or  terminate  your  account  at  any  time  for  any  reason  not  prohibited  by  law.  If  you  are  permitted  to  obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on  your account balance. If you use a convenience 
check, it will be posted to  your account as a cash advance.  We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You  may  request  that  we  stop  the  payment  of  a  convenience  check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a  reasonable opportunity to act on  your request. In addition, your request must accurately 
describe  the  check  including  the  exact  account  number,  the  payee,  any  check  number  that  may  be  applicable,  and  the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
months  and  may  be  renewed  for  additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all  of  your rights against the  payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish  to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will  be  permitted  to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union,  from 
other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept 
your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number 
(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that 
you  will not use  your card for any transaction that  is illegal under applicable federal, state, or local law. Even if  you use 
your  card  for  an  illegal  transaction,  you  will  be  responsible  for  all  amounts  and  charges  incurred  in  connection  with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase 
instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your 
account as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not 
be interpreted as permitting or authorizing any transaction that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 

©CUNA Mutual Group 1991, 2006, 09, 10, 12,14 All Rights Reserved 

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4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying  this Agreement. The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of  transaction. If an 
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement. 

5.  FINANCE  CHARGES  —  New purchases posted to your account during a billing cycle will not incur a finance charge 
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on  those  purchases  from  the  first  day  of  the  next  billing  cycle, 
unless  you  paid  the  entire  new  balance  on  the  previous  cycle’s  billing  statement  by  the  payment  due  date  of  that 
statement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on 
the  billing  statement  by  the  payment  due  date  of  that  statement. A  finance  charge  begins  to  accrue  on  cash  advances 
from the date  you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to 
your account, whichever is later (transaction date). 

The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of  purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day  and  subtract  any  payments  and/or 
credits  that  we  apply  to  the  purchase  balance.  (We  do  not  add  in  any  purchases  posted  during  the  billing  cycle.)  This 
gives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together 
and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  average  daily  balance  of  purchases. 
Balance transfers are calculated in the same manner as purchases. 
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle. This  gives  us  the 
average daily balance of cash advances. 

6.  FOREIGN  TRANSACTIONS  —  Purchases  and  cash  advances  made  in  foreign  currencies  will  be  debited  from  your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a 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  the  government-mandated 
rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
the rate that would have been used on the purchase date or cardholder statement posting date. 
7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Annual  Fee.  If  your  account  is  subject  to  an  Annual  Fee,  the  fee  will  be  charged  to  your  account.  The  fee  may  be 
charged each year until your account is closed and/or paid in full. 
b. Balance  Transfer  Fee  (Finance  Charge).  If your account is subject to a Balance Transfer Fee (finance charge), the 
fee  as  disclosed  on  the  Disclosure  accompanying  this Agreement  will  be  charged  to  your  account  when  you  transfer  a 
balance from an account of another creditor to the account subject to this Agreement. 
c.  Cash Advance  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Cash Advance  Fee  (finance  charge),  the  fee 
will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial 
institution. 
d.  Late  Payment  Fee.  If  your account is subject to a Late Payment Fee, the fee will be charged to  your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
e.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
f.  Statement  Copy  Fee.  If  your  account  is  subject  to  a  Statement  Copy  Fee,  except  as  limited  by  applicable  law  and 
when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your 
account for each copy of a sales draft or statement that you request. 
g. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the Credit Union). 

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h. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If  you make extra or larger payments, you are still required to make at least the minimum payment each 
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  3.00%  of  your  total  new 
balance,  or  $15.00,  whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all 
outstanding  unpaid  fees  and  charges,  and  any  amount  you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your 
credit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in 
your available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the 
date the payment is posted or the Credit Union confirms the payment has cleared. 

9.  PAYMENT  ALLOCATION  —  Subject  to  applicable  law,  your  payments  may  be  applied  to  what  you  owe  the  Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate. 
10.  SECURITY  INTEREST  —  For  Visa  Platinum,  Visa  Platinum  Plus,  Visa  Gold,  Visa  Gold  Plus,  Visa  Classic 
and Visa Classic Plus. You grant the Credit Union a security interest under the Uniform Commercial Code and under any 
common law rights the Credit Union may have in any goods you purchase. 

11.  DEFAULT  —  You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 

When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic  rate  charged  before  default,  until  what  you  owe  has  been  paid,  and  any  shares  that  were  given  as  security  for 
your account may be applied towards what you owe. 

12.   LIABILITY   FOR   UNAUTHORIZED   USE-LOST/STOLEN   CARD   NOTIFICATION   —   You   agree   to   notify   us 
immediately, orally or in writing, at 820 Plaza Way, Yuba City, CA 95991 or telephone (800) 222-7228 seven days a week, 
24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of 
your  credit  card.  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible 
unauthorized  use.  You  will  have  no  liability  for  unauthorized  transactions  made  with  your  credit  card,  unless  you  are 
grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00. 

13.  CHANGING  OR  TERMINATING YOUR  ACCOUNT  —  As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions. 

Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
made to your account after termination, unless the transactions were unauthorized. 

The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account. 

14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You  authorize  the  Credit  Union  to  investigate  your  credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 

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16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments,  and  they  will  do  so  by  sending  the  Credit  Union  a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits  and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services  you  purchase  with the card if  you have made a  good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT  ACCOUNTS  —  If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 

20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 

22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  you  at  the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 

23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  gambling 
transaction. 

26.  PENALTY  RATE  DISCLOSURES  —  If applicable to  your account, all rates for  your account, including  the rates for 
purchases, cash advances, and  balance  transfers, will increase to the  Penalty Rate  when  you meet one  or more of the 
conditions  as  set  forth  in  the  Disclosure  accompanying  this Agreement. Any  rate  increases  applied  to  your  account  are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 

28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

Your Billing Rights: Keep this Document for Furture Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the address listed on your statement. 
In your letter, give us the following information: 

-   Account information: Your name and account number. 
-   Dollar Amount: The dollar amount of the suspected error. 
-   Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 

-   Within 60 days after the error appeared on your statement. 
-   At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 

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What Will Happen After We Receive Your Letter 

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

1.   Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have 

already corrected the error. 

2.   Within 90 days of receiving your letter, we must either correct the error or explain to  you why we believe the bill is 

correct. 

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

-  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
-  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
-  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
-  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

- 

- 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 
amount. 
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe. 

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

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill 
is correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining  amount due on the 
purchase. 
To use this right, all of the following must be true: 
1.   The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.   You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

3.   You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at 
the address listed on your statement. 

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  OF  NEGATIVE  INFORMATION  —  Federal  law  requires  us  to  provide  the  following  notice  to  members  before 
any  “negative  information”  may  be  furnished  to  a  nationwide  consumer  reporting  agency.  We  may  report  information 
about  your  account  to  credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  account  may  be 
reflected in your credit report. 

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