VISA
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 (6) 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.  
You agree to use your credit card account for personal, family and household purposes only. 
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, money orders, bets, lottery tickets, and casino gaming chips, as applicable. 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. 
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 

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved 

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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 if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the previous cycle's 
billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the date a purchase is posted 
to your account. 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, add any new purchases, and subtract any payments and/or credits. 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.  
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. Balance transfers are calculated in 
the same manner as 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.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and 
credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the 
United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction 
Fee is set forth on the Disclosure accompanying this Agreement. 
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.  Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may 
be charged to your account for transactions made outside of the United States or in a foreign currency.  
b.  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. 
c.  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. 
d.  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). 
e.  Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card 
that is issued to you for any reason. 
f.  Convenience Check Stop Payment Fee. If your account is subject to the Convenience Check Stop Payment Fee, a fee will be 
charged to your account as disclosed on the Disclosure accompanying this Agreement. 
g.  Convenience  Check  Fee.  If  your  account  is  subject  to  the  Convenience  Check  Fee,  a  fee  will  be  charged  to  your  account  as 
disclosed on the Disclosure accompanying this Agreement. 
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  2.00%  of  your  total  new  balance,  or  $25.00,  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.  
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  —  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. If you give the Credit Union a specific pledge of shares by 

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signing  a  separate  pledge  of  shares,  your  pledged  shares  will  secure  your  account.  You  may  not  withdraw  amounts  that  have  been 
specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for 
shares in an Individual Retirement  Account or in any other account that would lose special tax  treatment under state or 
federal law if given as security. These other shares may be withdrawn unless you are in default under this agreement. You 
authorize the Credit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your 
Account if you should default. 

Collateral  securing  other  loans  you  have  with  the  Credit  Union  may  also  secure  this  loan,  except  that  a  dwelling  will  never  be 
considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
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 852 N. First Street, San Jose, CA 95112 or telephone 800-453-4270 seven (7) days a week, 24 hours a day, 408-282-0700 
Monday through Friday 8:00 a.m. to 6:00 p.m. Pacific Time or 408-282-0700 Saturday 9:30 a.m. to 2:30 p.m. Pacific Time, 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 purchases 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). 
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 (6) 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. 

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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.  INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of electronic gambling 
transaction through the Internet. 
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.    EMERGENCY  CASH  AND  EMERGENCY  CARD  REPLACEMENT  SERVICES  —  If  you  request  Emergency  Cash  and/or 
Emergency Card Replacement Services, you agree that we may provide the personal information about you and your account that is 
necessary for Visa U.S.A., its members or their respective contractors to provide you with the service(s). 
28.  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. 
29.  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 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 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. 
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. 

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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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