P.O. Box 1365
Waynesboro, VA 22980
(540) 946-3200
(800) 245-8085

IMPORTANT CREDIT CARD DISCLOSURES

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate as of
inquire if any changes occurred since the effective date.

. You can contact us toll free at (800) 245-8085 or PO Box 1365 Waynesboro, VA 22980 to

July 1, 2022

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases

10.49
_____% to _____% depending on your credit history.

17.49

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 25 days after we mail your billing statement. We will not charge
you interest on purchases if you pay your entire new purchase balance by the due date
each month.

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
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain your
Account

• Annual Fee:
• Application Fee:

Transaction Fees

None
None

• Foreign Transaction:

1% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

Up to $25.00 if your payment is late 10 days or more.
None
Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your
account agreement for more details.

We do not permit Cash Advances or Balance Transfer transaction on this credit card account.

9009 LASER FPDF FI1001804 11-2020

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

OTHER IMPORTANT DISCLOSURES:
Suspension  of  electronic  services  and  access  to  share  or  deposit  accounts. Subject  to  applicable  law  and  DCCU's
Suspension  of  Services  Policy,  we  may  suspend  some  or  all  electronic  services  and  access  to  your  checking  or  other
account(s) if you become delinquent on any of your credit card or deposit obligations to us or you cause a loss to us. We shall
not be liable to you in any regard in connection with such suspension of services.

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF  CREDIT  UNDER  THIS
AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS
YOU  HAVE WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF  CREDIT  EXTENDED  UNDER  THIS
AGREEMENT.  YOU  ALSO  AGREE  THAT  WE  HAVE  SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE AND/OR
FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under
state or federal law if given are not subject to this security interest.
If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless
that other collateral is your principal residence or non-purchase money household goods.

**Variable Rates:  The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime 
Rate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal 
to the Prime Rate plus a margin of: __________%. The interest rate can change quarterly on the first day of January, April, July, 
and  October  following  a  change  in  the  Prime  Rate. The Annual  Percentage  Rate  will  never  be  more  than  the  maximum  rate 
allowed by applicable law. Any increase will lengthen the time it takes to payoff the loan.

5.74-12.74

Daily Periodic Rates:
Purchases: Standard Rate: ____________%;

10.49 - 17.49

Other Fees: In addition to the fees disclosed above, the following fees may be imposed:

Balance Transfer Stop Payment Fee:
Rush Card Fee:
Statement Copy Fee:
Research Fee:

Up to $18.00
$35.00
$1 per statement
$10.00 per hour

Minimum Payment Requirement: 3% of your total new balance or $10.00, whichever is greater.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent
(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement
and apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty
member of the military or a dependent:
1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  or  participation  fee  unless  they  are  bona  fide  and
reasonable under the MLA. To receive this notice verbally, please call 1-844-231-2221 24 hours a day, 7 days a week.
Advances  will  not  be  secured  by  a  consensual  lien  on  shares  or  deposits  in  any  of  your  share  or  deposit  accounts  unless  you  specifically  agree  to
establish  a  secured  share  or  deposit  account  in  connection  with  this  credit  card  account  (“Secured Account”).  Only  funds  deposited  into  the  Secured
Account after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents
will not apply to the Secured Account or your other share or deposit accounts for this account.
However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.
Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.

2.

3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card

account does not apply.

9010 LASER FPDF FI1000495 Rev 9-2019

page 2 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

P.O. Box 1365   •   Waynesboro, VA 22980
(540) 946-3200   •   (800) 245-8085
FAX: (540) 946-3212   •   mydccu.com

CREDIT CARD AGREEMENT

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER  THE  TERMS  OF  THIS AGREEMENT. "WE",  "US",  "OUR" AND  THE  "CREDIT  UNION"  MEANS  DUPONT  COMMUNITY  CREDIT  UNION  OR  ITS  SUCCESSORS.  BY  USING
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN  APPLY
YOUR SHARES TO THE AMOUNT YOU OWE.
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other
account that would lose special tax treatment under state or federal law if
given are not subject to this security interest.
If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also
secure  your  obligations  under  this Agreement, unless that other collateral
is your principal residence or non-purchase money household goods.

Using Your Card.  You can  purchase  or  lease  goods  and  services  from  any
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from
financial institutions and ATMs that accept the Card, up to 25% of your credit
limit.  You agree  not  to  present  your  Card  or  obtain  a  cash  advance  for  any
extension of credit in excess of your available credit limit; however, if you do
exceed  your  credit  limit,  you  agree  to make  immediate payment  sufficient to
bring the balance below the credit limit. Certain purchases and cash advances
require  authorization  prior  to  completion  of  the  transaction.  In  some  cases,
you  may  be  asked  to provide  identification.  If  our  system  is  not  working,  we
may  not  be  able  to  authorize  a  transaction,  even  though  you  have  sufficient
credit available. Also, for security reasons, we may block the use of your Card
in  certain  countries  or  geographic  areas.  We  will  have  no  liability  to  you  or
others if any of these events occur.

Identification  Number  (PIN). We  may 

issue  a  Personal
Personal 
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential
and should not be disclosed to anyone. You may use your PIN and your Card
to access your account, and all sums advanced will be added to your account
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,
and any costs incurred in the recovery of the Card; and (d) credit in excess of
your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used
to make or facilitate any illegal transactions as determined by applicable law;
and that any such use will constitute an event of default under this Agreement.
We may decline any transaction that we believe to be illegal under applicable
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any
gambling  activity. You agree  that  we will  have  no liability  or responsibility for
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such
transaction.  You further  agree  to  indemnify  and  hold  us  harmless  from  any
suits,  liability, damages  or  adverse  action  of  any  kind  that  results  directly  or
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts
owing on your Card for any transactions made by you, even if the transaction
is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction
under the account.

Others Using Your Account. If  you allow anyone  else to use your account,
you will be liable for all credit extended to such persons. You promise to pay
for all purchases and advances made by anyone you authorize to use your

account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that
person's privilege, you must notify us in writing, and if he or she has a Card,
you must return that Card with your written notice for it to be effective.

Ownership of  Card. Your  Card  remains our property and  may  be cancelled
by  us  at  any  time  without  notice.  You agree  to  surrender  your  Card  and  to
discontinue use of the account immediately upon our request.

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at
the time you open your account and as may be changed from time to time in
accordance  with  applicable  law. Average  Daily  Balance  including  new
Interest  Charges  will  accrue  on  your  average  daily  balance
transactions:
outstanding during the month. To get the average daily balance, we take the
beginning  balance  each  day,  add  any  new  purchases,  cash  advances,
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid
interest  charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance.
Then, we add up all the daily balances for the billing cycle and divide that by
the number of days in the billing  cycle. We then multiply that by the periodic
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you
have  different  rates  for  purchases,  cash  advances  or  balance  transfers,
separate  average  daily  balances  for  each  will  be  calculated  and  the
appropriate periodic rate is then applied to each.

Grace  Period  on  Purchases  Only: You  can  avoid  Interest  Charges  on
purchases by  paying  the  full amount of the  new balance  for purchases each
month by the date on which the payment is due. Otherwise, the new balance
of your account, and subsequent advances  from the date they  are posted to
the account, will be subject  to  an Interest Charge. You cannot avoid Interest
Charges on cash advances and balance transfers; even if you pay the entire
cash advance balance or balance transfer balance by the payment due date,
you will incur the Interest Charges accrued from the date the cash advance or
balance transfer is posted to your account.

Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to
time), or as disclosed to you during the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs. You
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an
unauthorized  use  may have  occurred. "Unauthorized  use"  means  the  use of
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or
apparent authority for such use,  and  from which you receive  no benefit. The
telephone number to call is (844) 231-2221. You agree to follow up your call
with  notice  in  writing  to  us  at:  P.O. Box  1365,  Waynesboro,  VA 22980.  You
also  agree  to  assist  us  in  determining  the  facts,  circumstances  and  other
pertinent information relating to any loss, theft or possible unauthorized use of
your Card and comply with such procedures as we may require in connection
with our investigation. You will have no liability for Mastercard transactions not
authorized  by  you,  provided  that  you  have  exercised  reasonable  care  in
safeguarding the Card from risk of loss or theft, and upon becoming aware of
such loss or theft, you promptly report the loss or theft to us.

Minimum  Payment Due; Crediting  of Payments.  Payments  are due in the
amount and on the date disclosed on your billing statement. If your payment
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time
designated on the billing statement, it will be credited to your account on the
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address
designated  on  the  periodic  statement,  credit  for  such  payment  may  be
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we
determine,  subject  to  applicable  law. Payments  greater  than  $2,500  may  be
subject to a 3 business day hold.

9011 LASER FPDF FI1000496 8-2018

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER  THE  TERMS  OF  THIS AGREEMENT. "WE",  "US",  "OUR" AND  THE  "CREDIT  UNION"  MEANS  DUPONT  COMMUNITY  CREDIT  UNION  OR  ITS  SUCCESSORS.  BY  USING
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

total 

increase  your 

Late  or  Partial  Payments. Any  payment  that  delays  the  reduction  of  your
balance  will 
interest  costs.  Partial  payments  or
prepayments will not  delay your next  scheduled  payment - you will  still need
to make the minimum scheduled payment by the next scheduled due date to
keep  your  account current.  We may accept  late  payments,  partial  payments,
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any
amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related agreement
if we delay enforcing them. If any provision of this or any related agreement is
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full
force and effect.

Returns and Adjustments. Merchants  and others  who  honor  the  Card may
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a
credit  slip  which  will  be  posted  to  your  account.  Returns,  refunds,  and
adjustments are not applied to your payment due amount and do not advance
your  payment  due  date.  If  your  credits  and  payments  exceed  what  you  owe
us, the amount will be applied against future purchases and cash advances. If
the  statement  balance  shows  a  credit  balance  of  $1  or  more,  it  will  be
refunded upon your written or verbal request.

Plan Merchant Disputes. We  are not responsible for the refusal of any plan
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not
responsible for goods or services that you purchase with the Card unless: (a)
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or
participated in sending you; or (b) your purchase cost more than $50 and was
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home;
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other
disputes  directly  with  the  plan  merchant.  We  may  require  documentation  of
your good faith efforts to resolve the dispute. Failure to provide documentation
when  requested  limits our ability to resolve any disputes. We do not warrant
any merchandise or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the
most recent postal address or e-mail address (if you have elected to receive
such documents via electronic means) you have given us. Notice sent to any
one of you will be considered notice to all.

Notification  of Address  Change.  You  will  notify  us  promptly  if  you  change
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity
may need to be verified before we act upon the notification.

Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this
Agreement.

Governing  Law. This  Agreement  shall  be  construed  under  federal  law  and
state law in the state in which we are primarily located, and the venue shall be
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating
regulations of Mastercard may also apply. This Agreement is the contract that
applies to all transactions even though the sales, cash advance, convenience
check, credit or other slips you sign or receive may contain different terms.

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.

Default; Acceleration; Credit Suspension; Collection Costs. You will be in
default if: (1) you fail to make any payment on time; (2) if you fail to keep any
promises  you  have  made  under  this  Agreement  or  under  other Agreements
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to
take any of your funds held by us via legal process or if you have a judgment
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or
misleading statements in any credit application or credit update; or (7) if we, in
good faith, believe  that  your ability  to repay  what you  owe is  or soon  will be
impaired, or that you are unwilling to make your payments.

If you are in default, we have 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 interest charges and fees 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.  You  agree  to  pay  all
reasonable costs of collection, including court costs and attorney's fees,  and
any costs incurred in the recovery of the Card, subject to applicable law. Even
if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit
available during any time that any aspect of your account is in default.

Suspension  of  electronic  services  and  access  to  share  or  deposit
accounts. Subject  to  applicable  law  and  our  Suspension  of  Services  Policy,
we may suspend some or all electronic services and access to your checking
or  other  account(s)  if  you  become  delinquent  on  any  of  your  credit  card  or
deposit obligations to us or you cause a loss to us. We shall not be liable to
you in any regard in connection with such suspension of services.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional  services  to  your  Account  at  no  additional  cost  to  you.  You
understand that we are not obligated to offer such services and may withdraw
or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to you which
may be used for any purpose other than making a payment for credit to your
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the
amount indicated and post such amount as a cash advance to your account.
We do not have to pay any item which would cause the outstanding balance
in your account to exceed your credit limit.

Credit Information.  We may  from  time  to  time request  personal  information
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the
purpose of updating your credit status. Your failure to provide such information
when requested by us may result in suspension of credit privileges under this
Agreement,  including  your  ability  to  obtain  any  future  advances  by  any
means. You authorize us to investigate your credit standing when opening or
reviewing  your  account.  You authorize  us  to  disclose  information  regarding
your  account  to  credit  bureaus  and  creditors  who  inquire  about  your  credit
standing.

Foreign  Transactions;  Currency  Conversion. Purchases 
and  cash
advances made in foreign currencies will be billed to you in U.S. dollars. The
conversion rate in dollars will be a rate selected by the card company from a
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable
central processing date, which rate may vary from the rate the card company
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable
central  processing  date  in  each  instance. All  transactions  processed  outside
of the United States (which may include internet transactions) will be charged
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending
Statement (as amended from time to time).

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this
Agreement  at  any  time,  subject  to  applicable  law  and  our  policies. You may
terminate  this Agreement  by  written  notice.  Termination by  either  party  shall
not affect your obligation to repay any balance on your account resulting from
use  of  the  Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may
change  the  terms  of  this Agreement,  including  the  method  of  calculating  the
periodic rate, at any time, by written notice, subject to applicable law. Use of
the  Card  constitutes  agreement  and  acceptance  of  any  change  in  terms,
unless  applicable  law  requires  otherwise.  Our  failure  to  exercise  any  of  our
rights or to take any action shall not constitute a waiver of those rights, or an
amendment or change in any of the terms of this Agreement.

page 2 of 3

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent
(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement
and apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty
member of the military or a dependent:
1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  or  participation  fee  unless  they  are  bona  fide  and
reasonable under the MLA. To receive this notice verbally, please call 1-844-231-2221 24 hours a day, 7 days a week.
Advances  will  not  be  secured  by  a  consensual  lien  on  shares  or  deposits  in  any  of  your  share  or  deposit  accounts  unless  you  specifically  agree  to
establish  a  secured  share or deposit  account  in  connection with  this credit  card  account  (“Secured Account”). Only funds  deposited  into the  Secured
Account after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents
will not apply to the Secured Account or your other share or deposit accounts for this account.
However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.
Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.

2.

3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card

account does not apply.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

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.
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.

2.

3.

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.)
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.
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 at the address(es) 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.

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