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                                                            CREDIT CARD AGREEMENT AND
                                                   TRUTH-IN-LENDING DISCLOSURE STATEMENT
    BORROWER 1 NAME                                               ACCOUNT NUMBER
    BORROWER 2 NAME                                               DATE
    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 Blackhawk Community Credit Union or its successors. By using your card, you agree to all of the terms and conditions 
    set forth herein.
    The following disclosure represents important details concerning your credit card. We reserve the right to periodically review 
    your credit standing and to increase any rate on your new balances, in accordance with applicable law.
     INTEREST RATES and INTEREST CHARGES:
     Annual Percentage Rate (APR) 
                                7.75 %
     for Purchases, Cash Advances, 
                            This APR will vary with the market based on the Prime Rate*.
     & Balance Transfers
     Penalty APR and When it Applies None
     Paying Interest        Your due date is at least 21 days after we mail your billing statement. We will not 
                            charge you interest on purchases or balance transfers if you pay your entire new 
                            purchase or balance transfer balance by the due date each month.
                            For Cash Advances, we will begin charging interest on the date the cash advance is 
                            posted to your account.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
     the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at
     Protection Bureau      http://www.consumerfinance.gov/learnmore
     FEES:
     Fees to Open or Maintain 
     your Account
       � Annual Fee:        None
       � Application Fee:   None
     Transaction Fees
       � Balance Transfer:  None
       � Cash Advance:      None
       � Foreign Transaction: A 1% International Transaction Fee will be assessed on all transactions the merchant 
                            processes outside the United States (which may include internet transactions), 
                            regardless of whether you are located inside or outside the United States at the time 
                            of the transaction.
     Penalty Fees
       � Late Payment:      Up to $10.00 if your minimum payment is not received by the end of the billing 
                            cycle as shown on your periodic statement.
       � Returned Payment:  Up to $10.00 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.
                     SEE NEXT PAGE for more important information about this account
    9011/9010 LASER IMM FI14844 Rev 5-2021 page 1 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
    agreement.
    OTHER IMPORTANT DISCLOSURES:
    Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
         Statement Copy Fee: $1.00
         Lost Card/Replacement Fee: $10.00
         PIN Replacement Fee: $3.00
         Receipt Copy Fee: $17.00
                                            Others Using Your Account.  If  you  allow  anyone  else  to  use  your  account, 
     THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
                                            you will be liable for all credit extended to such persons. You promise to pay 
     THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
                                            for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your 
     YOU  SPECIFICALLY  GRANT  US A  CONSENSUAL  SECURITY  account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
     INTEREST  IN ALL  INDIVIDUAL AND  JOINT ACCOUNTS YOU  HAVE  someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that 
     WITH  US  NOW AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF  person's privilege, you must notify us in writing, and if he or she has a Card, 
     CREDIT  EXTENDED  UNDER  THIS AGREEMENT. YOU ALSO AGREE  you must return that Card with your written notice for it to be effective.
     THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE 
                                            Ownership of Card. Your  Card  remains  our  property  and  may  be  cancelled 
     AND/OR  FEDERAL  LAW.  IF YOU ARE  IN  DEFAULT,  WE  CAN APPLY 
                                            by  us  at  any  time  without  notice. You  agree  to  surrender  your  Card  and  to 
     YOUR SHARES TO THE AMOUNT YOU OWE.
                                            discontinue use of the account immediately upon our request.
     Shares  and  deposits  in  an  Individual  Retirement Account  or  any  other 
                                            Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
     account that would lose special tax treatment under state or federal law if 
                                            the time you open your account and as may be changed from time to time in 
     given are not subject to this security interest.
                                            accordance  with  applicable  law. Average  Daily  Balance  including  new 
     If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also  transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
     secure  your  obligations  under  this Agreement,  unless  that  other  collateral  outstanding during the month. To get the average daily balance, we take the 
     is your principal residence or non-purchase money household goods. beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
                                            balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid 
    Using Your Card. You  can  purchase  or  lease  goods  and  services  from  any  interest  charges,  and  unpaid  late  charges. This  gives  us  the  daily  balance. 
    merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  Then, we add up all the daily balances for the billing cycle and divide that by 
    financial  institutions  and ATM  machines  that  accept  the  Card,  up  to  your  the  number  of  days  in  the  billing  cycle.  We  then  multiply  that  by  the  periodic 
    maximum  credit  limit.  Certain  purchases  and  cash  advances  require  rate  corresponding  to  the Annual  Percentage  Rate  on  your  account.  If  you 
    authorization  prior  to  completion  of  the  transaction.  In  some  cases,  you  may  have  different  rates  for  purchases,  cash  advances  or  balance  transfers, 
    be asked to provide identification. If our system is not working, we may not be  separate  average  daily  balances  for  each  will  be  calculated  and  the 
    able  to  authorize  a  transaction,  even  though  you  have  sufficient  credit  appropriate periodic rate is then applied to each.
    available. Also,  for  security  reasons,  we  may  block  the  use  of  your  Card  in  *Variable  Rates: The ANNUAL  PERCENTAGE  RATE  (APR)  is  a  variable 
    certain  countries  or  geographic  areas.  We  will  have  no  liability  to  you  or  rate, that may increase or decrease when the Prime Rate, as identified in the 
    others if any of these events occur. For your added convenience, you are able  �Money  Rates�  column  of  the  Wall  Street  Journal,  changes.  We  calculate  the 
    to extend your credit limit to 5% over your approved credit limit. APR  based  on  the  Prime  Rate  (Index),  plus  a  margin  of  4.50%. The APR  is 
    Personal  Identification  Number  (PIN).  We  may  issue  a  Personal  subject  to  change  quarterly  and  will  take  effect  on  the  first  day  of  your 
    Identification  Number  (PIN)  for  use  with  your  Card. This  PIN  is  confidential  January, April, July and October billing cycles, following a change in the Prime 
    and should not be disclosed to anyone. You may use your PIN and your Card  Rate. The APR  will  never  be  more  than  the  maximum  rate  allowed  by 
    to access your account, and all sums advanced will be added to your account  applicable  law. Any  increase  in  the APR  may  increase  your  Interest  Charges 
    balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds  and your Minimum Payment until what you owe has been repaid.
    Transfer,  the  terms  and  conditions  of  your  Electronic  Funds Transfer  Daily  Periodic  Rates:  Purchases,  Cash Advances,  and  Balance Transfers: 
    Agreement may affect your rights.       0.021232 ______________%
    Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,  Grace  Period  on  Purchases  or  Balance  Transfers: You  can  avoid  Interest 
    cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you  Charges on purchases and balance transfers by paying the full amount of the 
    authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or  new  balance  for  purchases  or  balance  transfers  each  month  by  the  date  on 
    fees; and (c) credit in excess of your credit limit that we may extend to you. If  which  the  payment  is  due.  Otherwise,  the  new  balance  of  your  account,  and 
    the  Wisconsin  Consumer Act  does  not  apply  to  your  Card,  you  also  promise  subsequent  advances  from  the  date  they  are  posted  to  the  account,  will  be 
    to pay collection costs and attorney�s fees as permitted by applicable law. subject  to  an  Interest  Charge. You  cannot  avoid  Interest  Charges  on  cash 
    Minimum Payment Requirement: 2% of the outstanding balance, subject to  advances;  even  if  you  pay  the  entire  cash  advance  balance  by  the  payment 
    a minimum of $10.00.                    due date, you will incur the Interest Charges accrued from the date the cash 
                                            advance is posted to your account.
    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;  Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also 
    and  that  any  such  use  will  constitute  an  event  of  default  under  this  pay any and all fees that you incur as disclosed to you during the term of your 
    Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal  Card, including:
    under  applicable  law,  including  but  not  limited  to  any  transaction  involving  or  Foreign  Transaction  Fee: A  1%  International Transaction  Fee  will  be  Foreign  Transaction  Fee: A  1%  International Transaction  Fee  will  be 
    relating  to  any  gambling  activity. You  agree  that  we  will  have  no  liability  or  assessed  on  all  transactions  the  merchant  processes  outside  the  United  assessed  on  all  transactions  the  merchant  processes  outside  the  United 
    responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for  States  (which  may  include  internet  transactions),  regardless  of  whether  States  (which  may  include  internet  transactions),  regardless  of  whether 
    declining  any  such  transaction. You  further  agree  to  indemnify  and  hold  us  you  are  located  inside  or  outside  the  United  States  at  the  time  of  the  you  are  located  inside  or  outside  the  United  States  at  the  time  of  the 
    harmless from any suits, liability, damages or adverse action of any kind that  transaction; transaction;
    results  directly  or  indirectly  from  such  illegal  use. You  promise  to  pay  us  any 
                                              Late Payment Fee: Up to $10.00 if your minimum payment is not received  Late Payment Fee: Up to $10.00 if your minimum payment is not received 
    and all amounts owing on your Card for any transactions made by you, even 
                                              by the end of the billing cycle as shown on your periodic statement; by the end of the billing cycle as shown on your periodic statement;
    if the transaction is determined to be illegal.
                                              Returned Payment Fee: Up to $10.00 if your payment is returned for any  Returned Payment Fee: Up to $10.00 if your payment is returned for any 
    Joint Accounts. Each of you will be responsible, jointly and severally, for the 
                                              reason. reason.
    repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
    under the account.
    9011/9010 LASER IMM FI14844 Rev 5-2021 page 2 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
    If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You  agree  Foreign Transactions; Currency Conversion. Purchases  and  cash  advances 
    to notify us immediately if your Card is ever lost or stolen or if an unauthorized  made  in  foreign  currencies  will  be  billed  to  you  in  U.S.  dollars. The  conversion 
    use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  the  Card  by  rate in dollars will be a rate selected by the card company from a range of rates 
    someone  other  than  you  who  does  not  have  actual,  implied  or  apparent  available  in  wholesale  currency  markets  for  the  applicable  central  processing 
    authority  for  such  use,  and  from  which  you  receive  no  benefit. The  telephone  date, which rate may vary from the rate the card company itself receives, or the 
    number  to  call  is  (608)  755-6065  or  (800)  779-5555  or  after  hours  call  (800)  government-mandated rate in effect for the applicable central processing date in 
    449-7728. You  agree  to  follow  up  your  call  with  notice  in  writing  to  us  at:  P.O.  each  instance. All  transactions  processed  outside  of  the  United  States  (which 
    Box  5366,  2640  W.  Court  Street,  Janesville,  Wisconsin  53547-5366. You  also  may  include  internet  transactions)  will  be  charged  a  foreign  transaction  fee  in 
    agree  to  assist  us  in  determining  the  facts,  circumstances  and  other  pertinent  the  amount  disclosed  on  your Truth-in-Lending  Statement  (as  amended  from 
    information relating to any loss, theft or possible unauthorized use of your Card  time to time), even if you are located in the United States.
    and  comply  with  such  procedures  as  we  may  require  in  connection  with  our 
                                            Termination;  Change-in-Terms. We  may,  by  written  notice,  terminate  this 
    investigation. You  will  be  liable  for  any  unauthorized  use  only  if  we  can  prove 
                                            Agreement  at  any  time,  subject  to  applicable  law. You  may  terminate  this 
    that you were negligent in your use or handling of your Card, or if we can prove 
                                            Agreement  by  written  notice. Termination  by  either  party  shall  not  affect  your 
    that you used your Card fraudulently.
                                            obligation to repay any balance on your account resulting from use of the Card 
    Minimum  Payment  Due;  Crediting  of  Payments. Payments  are  due  in  the  as well as Interest Charges and fees incurred. We may change the terms of this 
    amount and on the date disclosed on your billing statement. If your payment is  Agreement, including the method of calculating the periodic rate, at any time, by 
    received  by  us  on  a  business  day  at  the  address  designated  on  the  billing  written notice, subject to applicable law. Use of the Card constitutes agreement 
    statement, it will be credited to your account on the date of receipt. If payment is  and  acceptance  of  any  change  in  terms,  unless  applicable  law  requires 
    made  at  any  location  other  than  the  address  designated  on  the  periodic  otherwise. Our failure to exercise any of our rights or to take any action shall not 
    statement,  credit  for  such  payment  may  be  delayed  up  to  five  (5)  days.  constitute  a  waiver  of  those  rights,  or  an  amendment  or  change  in  any  of  the 
    Payments will be applied in any order we determine, subject to applicable law. terms of this Agreement.
    Default; Acceleration;  Credit  Suspension;  Collection  Costs. You  will  be  in  Late  or  Partial  Payments. Any  payment  that  delays  the  reduction  of  your 
    default  if:  (1)  you  fail  to  make  any  payment  on  time;  (2)  if  you  fail  to  keep  any  balance will increase your total interest costs. Partial payments or prepayments 
    promises you have made under this Agreement or under other Agreements you  will  not  delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the 
    have with us; (3) if you or your spouse die; (4) if you file a petition in bankruptcy  minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your 
    or have a bankruptcy petition filed against you, or if you become involved in any  account  current.  We  may  accept  late  payments,  partial  payments,  checks  or 
    insolvency, receivership or custodial proceeding; (5) if anyone attempts to take  money orders marked "payment in full" and such action shall not constitute final 
    any of your funds held by us via legal process or if you have a judgment or tax  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  amounts  owing 
    lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  misleading  under this Agreement.
    statements in any credit application or credit update; or (7) if we, in good faith, 
                                            Enforcement. We do not lose our rights under this or any related agreement if 
    believe  that  you  or  your  spouse�s  ability  to  repay  what  you  owe  is  or  soon  will 
                                            we  delay  enforcing  them.  If  any  provision  of  this  or  any  related  agreement  is 
    be impaired, or that you are unwilling to make your payments.
                                            determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full 
    If  you  are  in  default,  we  have  the  right  to  demand  immediate  payment  of  your  force and effect.
    full  account  balance  without  giving  you  notice.  If  immediate  payment  is 
                                            Returns  and Adjustments.  Merchants  and  others  who  honor  the  Card  may 
    demanded,  you  agree  to  continue  paying  interest  charges  and  fees  until  what 
                                            give credit for returns or adjustments, and they will do so by submitting a credit 
    you  owe  has  been  paid,  and  any  shares  that  were  given  as  security  for  your 
                                            slip which will be posted to your account. If your credits and payments exceed 
    account may be applied towards what you owe. Even if your unpaid balance is 
                                            what you owe us, the amount will be applied against future purchases and cash 
    less than your credit limit, you will have no credit available during any time that 
                                            advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be  refunded  upon 
    any  aspect  of  your  account  is  in  default.  If  the  Wisconsin  Consumer Act  does 
                                            your written or verbal request.
    not  apply  to  your  Card,  you  agree  to  pay  all  reasonable  costs  of  collection, 
                                            Plan  Merchant  Disputes.  We  are  not  responsible  for  the  refusal  of  any  plan 
    including court costs and attorney�s fees, subject to applicable law.
                                            merchant  or  financial  institution  to  honor  your  Card. Also,  we  are  not 
    Suspension  of  electronic  services  and  access  to  share  or  deposit 
                                            responsible  for  goods  or  services  that  you  purchase  with  the  Card  unless:  (a) 
    accounts.  Subject  to  applicable  law,  we  may  suspend  some  or  all  electronic 
                                            your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
    services  and  access  to  your  checking  or  other  account(s)  if  you  become 
                                            participated  in  sending  you;  or  (b)  your  purchase  cost  more  than  $50  and  was 
    delinquent on any of your credit card or deposit obligations to us or you cause a 
                                            made from a plan merchant in your state or within 100 miles of your home; and 
    loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with  such 
                                            only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to  obtain 
    suspension of services.
                                            satisfaction from the plan merchant. You must resolve all other disputes directly 
    Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer  with  the  plan  merchant.  We  do  not  warrant  any  merchandise  or  services 
    additional services to your Account at no additional cost to you. You understand  purchased by you with the Card.
    that  we  are  not  obligated  to  offer  such  services  and  may  withdraw  or  change 
                                            Statements and Notices.  Statements  and  notices  will  be  mailed  to  you  at  the 
    them at any time.
                                            most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to  receive 
    Convenience Checks.  We  may,  at  our  discretion,  issue  checks  to  you  which  such  documents  via  electronic  means)  you  have  given  us.  Notice  sent  to  any 
    may  be  used  for  any  purpose  other  than  making  a  payment  for  credit  to  your  one of you will be considered notice to all.
    account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the 
                                            Notification  of Address  Change. You will  notify  us  promptly  if  you  change 
    amount  indicated  and  post  such  amount  as  a  cash  advance  to  your  account. 
                                            your address for any reason. In order to prevent identity theft, your identity may 
    We do not have to pay any item which would cause the outstanding balance in 
                                            need to be verified before we act upon the notification.
    your account to exceed your credit limit.
                                            Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this 
    Credit  Information. We  may  from  time  to  time  request  personal  information 
                                            Agreement.
    from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
                                            Governing  Law. This Agreement  shall  be  construed  under  federal  law  and 
    purpose of updating your credit status. Your failure to provide such information 
                                            state law in the state in which we are primarily located, and the venue shall be 
    when  requested  by  us  may  result  in  suspension  of  credit  privileges  under  this 
                                            located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating 
    Agreement, including your ability to obtain any future advances by any means. 
                                            regulations of Visa may also apply. This Agreement is the contract that applies 
    You authorize us to investigate your credit standing when opening or reviewing 
                                            to  all  transactions  even  though  the  sales,  cash  advance,  convenience  check, 
    your  account. You  authorize  us  to  disclose  information  regarding  your  account 
                                            credit or other slips you sign or receive may contain different terms.
    to credit bureau and creditors who inquire about your credit standing.
                                            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.
    9011/9010 LASER IMM FI14844 Rev 5-2021 page 3 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
          IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
     The  following  applies  if  at  the  time  this  loan  is  made  you  are  an  active  member  of  the  military  or  a  dependent  (as  those  terms  are  defined  in  the  Military 
     Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�)), and (a) your loan is unsecured or secured by personal property or a vehicle 
     that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
     line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
     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  charged  (other  than  certain  application  fees  for 
      specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
      this notice verbally, please call 800.779.5555 during our normal business hours.
     2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection 
      with this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
      provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject 
      to the Military Lending Act.
      However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
      sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.
     3. 3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to 
      waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
      you in order to exercise your legal rights; or (d) Prepayment penalties.
     4. 4. Any  provisions  in  your  consumer  credit  contract,  loan,  security,  or  account  agreements  that  are  determined  to  be  inconsistent  with  or  contradictory  to  Any  provisions  in  your  consumer  credit  contract,  loan,  security,  or  account  agreements  that  are  determined  to  be  inconsistent  with  or  contradictory  to 
      these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms  these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms 
      and conditions of the consumer credit contract shall remain in full force and effect. and conditions of the consumer credit contract shall remain in full force and effect.
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
    This notice tells you about your rights and our responsibilities under the  After we finish our investigation, one of two things will happen:
    Fair Credit Billing Act.                 � 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.
    What To Do If You Find A Mistake On Your Statement
                                             � If we do not believe there was a mistake: You will have to pay the amount 
    If you think there is an error on your statement, write to us at the address(es)  in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a 
    listed on your statement.                 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 
    In your letter, give us the following information:
                                              owe.
     1. Your name and account number.
                                            If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must 
     2. The dollar amount of the suspected error.
                                            write  to  us  within  10  days  telling  us  that  you  still  refuse  to  pay.  If  you  do  so, 
     3. If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is 
                                            we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are 
      wrong and why you believe it is a mistake.
                                            questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
    You must contact us:                    reported  you  as  delinquent,  and  we  must  let  those  organizations  know  when 
     � Within 60 days after the error appeared on your statement. the matter has been settled between us.
     � At  least  3  business  days  before  an  automated  payment  is  scheduled,  if 
                                            If we do not follow all of the rules above, you do not have to pay the first $50 
      you want to stop payment on the amount you think is wrong.
                                            of the amount you question even if your bill is correct.
    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  Your Rights If You Are Dissatisfied With Your Credit Card Purchases
    to pay the amount in question.
                                            If you are dissatisfied with the goods or services that you have purchased with 
    What Will Happen After We Receive Your Letter 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 
    When we receive your letter, we must do two things: the purchase.
     1. Within 30 days of receiving your letter, we must tell you that we received 
                                            To use this right, all of the following must be true:
       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  1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  2.
      explain to you why we believe the bill is correct.   miles of your current mailing address, and the purchase price must have 
                                               been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your 
    While we investigate whether or not there has been an error:
                                               purchase was based on an advertisement we mailed to you, or if we own 
     � We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as    the company that sold you the goods or services.)
       delinquent on that amount.            2. You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made 
     � The  charge  in  question  may  remain  on  your  statement,  and  we  may 
                                               with  cash  advances  from  an ATM  or  with  a  check  that  accesses  your 
       continue to charge you interest on that amount.   credit card account do not qualify.
     � While you do not have to pay the amount in question, you are responsible  3. You must not yet have fully paid for the purchase.
       for the remainder of your balance.
      We can apply any unpaid amount against your credit limit. 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.
    9011/9010 LASER IMM FI14844 Rev 5-2021 page 4 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.