Dominion  Energy
Credit  Union �RO, Box 26646
Richmond,  VA 23261-6646  
800-268-MYCU  (6928)  
804-521-2510  (fax) 
mycu@dominionenergy.comCONSUMER
CREDIT  CARD  
AGREEMENT  
AND
DISCLOSURE
VISA
This Consumer  Credit Card Agreement  and Disclosure  together  with the Account  Opening  Disclosure  and any other  
Account  opening  documents  or any subsequent  documents  provided  to You related to this Account  (hereinafter  
collectively  referred  to as �Agreement �) govern  the terms  and conditions  of this Account.  �We,� �Us,� �Our� and �Ours � and 
�Credit Union � refers to Dominion  Energy  Credit Union with which this Agreement  is made. �You, � �Your, � and �Yours � 
refers  to each applicant  and co-applicant  for the Account;  any person  responsible  for paying  the Account;  and anyone  You 
authorize  to use, access  or service  the Account.  "Card" means  the Visa � credit card and any other access  devices,  
duplicates,  renewals,  or substitutions,  including  convenience  checks,  the Credit Union issues  to You. "Account"  means  
the line of credit  established  by this Agreement  and includes  Your  Card.
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 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.
You grant  Us a security  interest  in all individual  and joint  share  and/or  deposit  accounts  You have  with Us now 
and in the future  to secure  Your  credit  card Account.  Shares  and deposits  in an IRA or any other  account  that 
would  lose special  tax treatment  under  state  or federal  law if given  as security  are not subject  to the security  
interest  You have given  in Your  shares  and deposits.  You may withdraw  these  other  shares  unless  You are in 
default.  When  You are in default,  You authorize  Us to apply  the balance  in these  accounts  to any amounts  due. 
For example,  if You have an unpaid  credit  card balance,  You agree  We may use funds  in Your  account(s)  to pay 
any or all of the unpaid  balance.
Unless  otherwise  prohibited  by federal  and/or  state law, 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.
1. USING  YOUR  ACCOUNT  � By using the Account  or keeping  the Card, You agree  to the terms of this Agreement.  
You agree to use Your Account  in accordance  with this Agreement.  Your Account  must only be used for lawful  
transactions.
2. CREDIT  LIMIT  � We may establish  a credit  limit as part of this Agreement,  which  You promise  not to exceed.  If You 
exceed  the credit limit, You promise  to repay immediately  the amount  which exceeds  the credit limit, including  amounts  
due to finance  charges,  fees or other  charges.  You may request  a credit  limit increase  on Your  Account  only by a method  
acceptable  to the Credit Union. We may increase  or decrease  Your credit limit, refuse to make an advance  and/or  
terminate  Your  Account  at any time for any reason  permitted  by law.
3. CONVENIENCE  CHECKS  � 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.  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 as identified  in this 
Agreement  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
IOAN  UNIS
� CUNA  Mutual  Group  1991, 2006,  09, 10, 12, 14, 16 All Rights  Reserved 04505433-MXC30-P-1-121321  (MXC305-E)
 only for six months  and may be renewed  for additional  six month periods  by requesting  in writing  that the stop payment  
order  be renewed.  We are not required  to notify  You when a stop payment  order  expires.
If We re-credit  Your Account  after paying a check 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  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.  Note: A convenience  
check  is not a check  as that term is defined  under  the Uniform  Commercial  Code. It is an advance  from Your credit  card 
Account  with Us and Your  stop payment  rights  are provided  under  this Agreement  with Us.
4. REPAYMENT  � You promise  to repay  all amounts  You owe under  this Agreement.  Your promise  to repay includes  
all transactions  made to Your Account  by You or anyone  You authorize  to use Your Account  as well as all interest  
charges  and fees.
For each billing period,  You must pay at least  the Minimum  Payment  Due by the Payment  Due Date.
The Minimum  Payment  Due is 3.00%  of Your total New Balance,  or $25.00,  whichever  is greater,  plus any amount  past 
due and any amount  by which You have exceeded  Your applicable  credit limit. If Your total New Balance  is less than 
$25.00,  then Your Minimum  Payment  Due is the amount  of the total New Balance.
You may pay more  frequently,  pay more than the Minimum  Payment  Due 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  Due each month  Your  
Account  has a balance  (other  than a credit balance).  The Credit  Union may delay replenishing  Your credit limit until the 
date the payment  is posted  or the Credit  Union  confirms  the payment  has cleared.
Your payment  of the required  Minimum  Payment  Due may be applied  to what You owe the Credit  Union in any manner  
the Credit Union chooses,  as permitted  by applicable  law. If You make a payment  in excess  of the required  Minimum  
Payment  Due, the Credit  Union will allocate  the excess  amount  first to the balance  with the highest  annual  percentage  
rate (�APR�) and any remaining  portion  to the other balances  in descending  order based on applicable  APR, unless  
otherwise  prescribed  by applicable  law. We may accept  checks  marked  "payment  in full" or with words  of similar  effect  
without  losing  any of Our rights  to collect  the full balance  of Your  Account  with Us.
5. INTEREST  AND FINANCE  CHARGES  � We will begin charging  You interest  on purchases  on the date the 
transaction  is posted  to Your Account.  We will begin charging  You interest  on cash advances  and balance  transfers  on 
the date of the transaction  or the first day of the billing  cycle in which  the transaction  is posted  to Your  Account,  whichever  
is later (transaction  date). However,  We will not charge  You any interest  on new purchases  if Your  Account  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.  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.
How  We Calculate  Your  Balance:
Interest  charges  on Your Account  are calculated  separately  for purchases,  balance  transfers  and cash advances  
(�Transaction  Type �). We figure the interest  charge  for each Transaction  Type by applying  the periodic  rate to each 
corresponding  �average  daily balance. � To get the �average  daily balance � for a Transaction  Type We take the beginning  
balance  for that Transaction  Type each day, add any new transactions  of that type, and subtract  any unpaid  interest  or 
other  finance  charges  and any applicable  payments  or credits.  This gives Us the daily balance  for each Transaction  Type.  
Then, for each Transaction  Type, We add up all the daily balances  for the billing cycle and divide each total by the 
number  of days in the billing  cycle.  This gives Us the �average  daily balance � for each Transaction  Type.
6. FEES � In addition  to the periodic  rate, additional  fees may be imposed  on Your Account.  If applicable  to Your  
Account,  the fee amounts  and explanations  are disclosed  on the Account  Opening  Disclosure  accompanying  this 
Agreement.
7. 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  transaction  date, which rate may vary from the rate Visa itself receives,  or the rate mandated  by the 
government  or governing  body in effect for the applicable  transaction  date. The exchange  rate used on the transaction  
date may differ  from the rate that would  have been used on the processing  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.  Transactions  completed  by merchants  outside  of the United  States  are considered  foreign  
transactions,  regardless  of whether  You are located  inside  or outside  the United  States  at the time of the transaction.  The 
Foreign  Transaction  Fee is set forth on the Account  Opening  Disclosure  accompanying  this Agreement.
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 8. AUTHORIZATIONS  � We do not guarantee  authorization  of a transaction,  either by Us or by a third party, even if 
You have sufficient  credit available.  You agree that We will not be liable for failing to give an authorization.  We also 
reserve  the right to limit the number  of transactions  that may be approved  in one day. We reserve  the right to deny certain  
transactions  for any reason  and at Our sole discretion,  including  for default,  suspected  fraudulent  or unlawful  activity,  
internet  gambling  or any indication  of increased  risk related  to the transaction  or the Account.  You agree  that We have no 
requirement  to notify  You of the specific  reason  We denied  a transaction.  If We detect  unusual  or suspicious  activity,  We 
may suspend  Your credit  privileges  until We can verify  the activity,  or We may close  the Account.
9. INFORMATION  UPDATING  SERVICE  AND  AUTHORIZATIONS  � If You have authorized  a merchant  to bill charges  
to Your Card on a recurring  basis, it is Your responsibility  to notify  the merchant  in the event  Your Card is replaced,  Your  
Account  information  (such as Card number  or expiration  date) changes,  or Your  Account  is closed.  However,  if Your Card 
is replaced  or Your  Account  information  changes,  You authorize  Us, without  obligation  on Our part, to provide  the updated  
Account  information  to the merchant  in order  to permit  the merchant  to bill recurring  charges  to Your Card. You authorize  
Us to apply such recurring  charges  to Your Card until You notify Us that You have revoked  authorization  for the charges  
to Your  Card.
Your Card is automatically  enrolled  in an information  updating  service.  Through  this service,  Your updated  Account  
information  (such as Card number  or expiration  date) may be shared  with participating  merchants  to facilitate  continued  
recurring  charges.  Updates  are not guaranteed  before  Your next payment  to a merchant  is due. You are responsible  for 
making  direct payment  until recurring  charges  resume.  To revoke  Your authorization  allowing  Us to provide  updated  
Account  information  to a merchant,  please  contact  Us.
10. PREAUTHORIZED  CHARGES  � We may suspend  preauthorized  recurring  charges  with merchants  if, for example,  
Your Card is lost or stolen,  You default,  or We change  Your Account  for any reason.  If preauthorized  recurring  charges  
are suspended,  You are responsible  for making  direct payment  for such charges  until You contact  the merchant  to 
reinstate  recurring  charges.
11. DEFAULT  � You will be in default  under  this Agreement  if You fail to pay the Minimum  Payment  Due by its Payment  
Due Date; pay by a check or similar instrument  that is not honored  or that We must return because  it cannot  be 
processed;  pay by automatic  debit that is returned  unpaid; make any false or misleading  statements  in any credit  
application  or credit  update;  file for bankruptcy;  or die. You will also be in default  if You fail to comply  with the terms  of this 
Agreement  or any other  Agreement  You have with Us.
If You default,  We may close  Your  Account  and require  You to pay any unpaid  balance  immediately,  subject  to applicable  
law. In this Agreement  and on Your Credit  Card Application,  You gave Us a security  interest  in all individual  or joint share  
and/or  deposit  accounts  with the Credit  Union  and authorized  Us, if You defaulted,  to apply  the balance  in these  accounts  
to any amounts  due. You agree We may rely on Your agreement  and authorization  to, upon Your default,  apply any 
balance  to any amounts  due on Your  Account.
12. LIABILITY  FOR UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  � If You notice  the loss or theft of 
Your credit card or a possible  unauthorized  use of Your Card, You should  write to Us immediately  at PO Box 31112,  
Tampa,  FL, 33631-3112  or call Us at (800)  449-7728,  seven  days a week  24 hours  a day.
You will not be liable for any unauthorized  use that occurs after You notify Us. You may, however,  be liable for 
unauthorized  use that occurs  before  Your notice to Us. You will have no liability  for unauthorized  use unless  You are 
found to be fraudulent  or negligent  in the handling  of Your Account  or Card. In any case, Your liability  for unauthorized  
transactions  will not exceed  $50.
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. To the extent  permitted  by law, changes  to the Agreement  may apply  to Your existing  account  balance  as 
well as to future  transactions.
Arizona,  California,  Idaho,  Louisiana,  New Mexico,  Nevada,  Texas,  Washington,  and Wisconsin  Residents  - Either  
You, Your spouse  or the Credit  Union may terminate  this Agreement  at any time, but termination  by You, Your spouse  or 
the Credit  Union  will not affect  Your  obligation  to pay the account  balance  plus any finance  and other  charges  You or Your  
spouse  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.  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.
Residents  of all other  states  - 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.  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.
14. 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
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 notice  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.  Alternatively,  We may, at Our sole discretion,  
issue  You a new Account  number  and a new Card.
15. CREDIT  REPORTS  � You authorize  the Credit Union to obtain credit reports  and any other information  We may 
need to verify  Your identity  and use of the Account  when opening  Your Account  and for any update,  increase,  renewal,  
extension,  collection,  or review  of Your Account.  You authorize  the Credit Union to disclose  information  regarding  Your  
Account  to credit  bureaus  and creditors  who inquire  about  Your  credit  standing.
16. 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 transactions  on the Account  
individually.  Any one of You may terminate  the Account  and the termination  will be effective  as to all of You.
17. 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.
18. SEVERABILITY  AND FINAL  EXPRESSION  � This Agreement  is the final expression  of the terms  and conditions  of 
Your Account.  This written  Agreement  may not be contradicted  by evidence  of any alleged  oral Agreement.  Should  any 
part of this Agreement  be found to be invalid  or unenforceable,  all other parts of this Agreement  shall remain  in effect  and 
fully enforceable  to the fullest  extent  possible  under  this Agreement.
19. ILLEGAL  TRANSACTIONS  PROHIBITED  � You agree  that You will not use Your Card for any transaction,  including  
any type of electronic  gambling  transaction  through  the Internet,  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.  This paragraph  shall not be interpreted  as permitting  or authorizing  any transaction  that is 
illegal.
20. APPLICABLE  LAW  � The terms  and enforcement  of this Agreement  shall be governed  by federal  law and the law of 
Virginia.
21. ENFORCING  THIS AGREEMENT  � We can delay in enforcing  or fail to enforce  any of Our rights under this 
Agreement  without  losing  them.
22. COLLECTION  COSTS  � If We refer collection  of Your Account  to a lawyer  who is not Our salaried  employee,  You 
are liable for any reasonable  attorney �s fees We incur, plus the costs and expenses  of any legal action, as further  
disclosed  on this Agreement,  or to the extent  allowed  by law.
23. ASSIGNMENT  � We may assign  any or all of Our rights  and obligations  under  this Agreement  to a third party.
24. CALIFORNIA  RESIDENTS  � A married  applicant  may apply  for a separate  Account.  Applicants:  1) may, after credit  
approval,  use the credit card Account  up to its credit limit; 2) may be liable for amounts  extended  under  the plan to any 
joint applicant.  As required  by law, You are hereby  notified  that a negative  credit report  reflecting  on Your credit record  
may be submitted  to a credit  reporting  agency  if You fail to fulfill the terms  of Your  credit  obligations.
25. FLORIDA  RESIDENTS  � You (borrower)  agree  that, should  We obtain  a judgment  against  You, a portion  of 
Your disposable  earnings  may be attached  or garnished  (paid to Us by Your employer),  as provided  by Florida  
and Federal  law.
26. MARYLAND  RESIDENTS  � To the extent,  if any, that Maryland  law applies  to Your  Account,  We elect to offer  Your  
Card Account  pursuant  to Title 12, Subtitle  9 of the Maryland  Commercial  Law Article.
27. MISSOURI  RESIDENTS  � Oral Agreements  or commitments  to loan money,  extend  credit  or to forbear  from  
enforcing  repayment  of a debt including  promises  to extend  or renew  such debt are not enforceable.  To protect  
You (borrower(s))  and Us (creditor)  from misunderstanding  or disappointment,  any Agreements  We reach  
covering  such matters  are contained  in this writing,  which is the complete  and exclusive  statement  of the 
Agreement  between  Us, except  as We may later agree  in writing  to modify  it.
28. NEW  YORK  RESIDENTS  � We may obtain  a credit report  in connection  with this Account,  including  for any review,  
modification,  renewal  or collections  associated  with this Account.  Upon Your request,  You will be informed  whether  such 
report  was requested  and, if so, the name  and address  of the consumer  reporting  agency  furnishing  the report.  New York 
residents  may contact  the New York State Department  of Financial  Services  at 800.342.3736  or  to obtain  
a comparative  listing  of credit  card rates,  fees and grace  periods.www.dfs.ny.gov
29. OHIO RESIDENTS  � The Ohio laws against  discrimination  require  that all creditors  make credit  equally  available  to 
all creditworthy  customers  and that credit reporting  agencies  maintain  separate  credit histories  on each individual  upon  
request.  The Ohio Civil Rights  Commission  administers  compliance  with this law.
30. SOUTH  DAKOTA  RESIDENTS  � If You believe  there have been any improprieties  in making  this loan or in the 
lender �s loan practices,  You may contact  the South Dakota  Division  of Banking  at 1601 N. Harrison  Ave, Suite 1, Pierre,  
SD 57501,  or by phone  at 605.773.3421.
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 31. WISCONSIN  RESIDENTS  � If You are married,  please  contact  Us immediately  upon receipt  of this Agreement  at the 
address  or phone  number  listed on this Agreement  and provide  Us with the name and address  of Your spouse.  We are 
required  to inform  Your  spouse  that We have opened  an Account  for You.
32. 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.  As required  by 
law, You are hereby  notified  that a negative  credit report reflecting  on Your credit record may be submitted  to a credit  
reporting  agency  if You fail to fulfill the terms  of Your  credit  obligations.
33. 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.
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 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 three 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.
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.
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