1600 Medical Drive
Pottstown, PA 19464
(610) 326-5490
1-800-593-1000
Fax: (610) 326-5973

In this Agreement, "You" and "your" mean any person who accepts this Agreement or uses
the Card. The "Card" means any Credit Builder Mastercard credit card issued to you or those
designated by you under the terms of this Agreement. "We," "us" or the "Credit Union" means
Diamond Credit Union or its successors. By using your card, you agree to all of the terms and
conditions set forth herein.

SECURITY:  (a) In  order  to  receive  and  maintain  your  Card,  YOU  GRANT  US  A
CONSENSUAL  LIEN  AND  SECURITY  INTEREST  IN  YOUR  DESIGNATED  SHARE
ACCOUNT  IN  AN  AMOUNT  EQUAL  TO  YOUR  CREDIT  LIMIT.  YOU  MAY  NOT
WITHDRAW  ANY  AMOUNTS  FROM  THE  DESIGNATED  SHARE  ACCOUNT  THAT
WOULD CAUSE THE ACCOUNT BALANCE TO FALL BELOW AN AMOUNT EQUAL
TO YOUR CREDIT LIMIT, UNLESS WE AGREE TO RELEASE ALL OR PART OF THE
PLEDGED AMOUNT. You may cancel your Card at any time by paying all amounts owed
on your Card. To be certain that your entire balance and all advances on your Card are
paid,  any  shares  pledged  may  not  be  available  to  you  for  30  days  after  you  have
cancelled your Card and paid any outstanding balance in full.
(b)  Additionally,  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW
AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF  CREDIT  EXTENDED  UNDER
THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN
RIGHTS  UNDER  STATE  AND/OR  FEDERAL  LAW.  THE  GRANTING  OF  THIS
SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF  CREDIT  UNDER
THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO
THE AMOUNT YOU OWE. Shares  and  deposits  in  an  Individual  Retirement Account  or
any other account that would lose special tax treatment under state or federal law if given
are not subject to this security interest.
(c) If you have other loans with us, collateral securing such loans may also secure
your obligations under this Agreement.
(d)  Military  Lending Act.    Notwithstanding  any  provision  above,  at  any  time(s)  during
which the Military Lending Act applies to this account: (a) only shares deposited into the
Secured Deposit Account after the card is established will secure this Card, and no other
accounts  will  secure  this  Card;  (b)  the  "Cross-Collateralization;  Additional  Security"
provision  does  not  apply;  and  (c)  any  provision  in  any  agreement  or  other  document
provided in connection with your Card that contradicts the Military Lending Act shall have
no force or effect.

1.  Using  Your  Card.  Using  your  Card  constitutes  your  acceptance  of  the  terms  and
conditions  of  this Agreement,  as  may  be  amended  from  time  to  time. You can  purchase  or
lease goods and services ("Purchases") from any merchant who honors your Card up to your
maximum credit limit for your Card. You may also use the Card to obtain cash advances up
to your maximum credit limit from financial institutions and ATMs that accept the Card. You
may  also  access  your  account  by  telephone  or  access  checks  (if  provided  to  you).  Certain
purchases and cash advances require authorization prior to completion of the transaction. In
some cases, you may be asked to provide identification. If our system is not working, we may
not be able to authorize a transaction, even though you have sufficient credit available. Also,
for security reasons, we may block the use of your Card in certain countries or geographic
areas. We will have no liability to you or others if any of these events occur.

2.  Credit  Limits.  We  will  notify  you  of  your  credit  limit.  You  agree  to  keep  your  unpaid
balance  within  your  credit  limit;  however,  if  you  do  exceed  your  credit  limit,  you  agree  to
immediately pay any amount over the credit limit upon our demand, regardless of whether we
authorized the advance(s) which caused you to exceed your credit limit. We reserve the right
to  increase  or  reduce  your  credit  limit  at  any  time.  We  base  this  decision  on  a  variety  of
factors  such  as  your  payment  and  transaction  history  with  us,  information  we  receive  from
third  parties,  including  but  not  limited  to  credit  reporting  agencies  and  for  any  other  reason
permitted  by  law. We  will  provide  you  with  notice  of  the  change  to  the  extent  required  by
applicable law.

3.  Personal  Identification  Number  (PIN).  We  will  issue  a  Personal  Identification  Number
(PIN) for use with your Card. This PIN is confidential and should not be disclosed to anyone.
You may use your PIN and your Card to access your account, and all sums advanced will be
added  to  your  account  balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic
Funds Transfer, the terms and conditions of your Electronic Funds Transfer Agreement may
affect your rights.

4. Promise To Pay. Regardless of the means used to access your account, you promise to
pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by
you  or  anyone  whom  you  authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  other
charges or fees; (c) collection costs and attorney's fees as permitted by applicable law, and
any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that
we may extend to you.

5. Illegal Transactions. You agree that your Card and account will not be used to make or
facilitate any illegal transactions as determined by applicable law; and that any such use will
constitute an event of default under this Agreement. We may decline any transaction that we
believe to be illegal under applicable law, including but not limited to any transaction involving
or relating to any gambling activity. You agree that we will have no liability or responsibility for
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such  transaction.  You
further agree to indemnify and hold us harmless from any suits, liability, damages or adverse
LASER PDF FI13614 Rev 9-2021

CREDIT BUILDER MASTERCARD
CREDIT CARD AGREEMENT

action of any kind that results directly or indirectly from such illegal use. You promise to pay
us  any  and  all  amounts  owing  on  your  Card  for  any  transactions  made  by  you,  even  if  the
transaction is determined to be illegal.(cid:9)

6. Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment
of amounts owed, regardless of who initiated any transaction under the account.

7. Ownership of Card. Your Card remains our property and may be cancelled by us at any
time without notice. You agree to surrender your Card and to discontinue use of the account
immediately upon our request.

8. Others Using Your Account. If  you  allow  anyone  else  to  use  your  account,  you  will  be
liable  for  all  credit  extended  to  such  persons.  You  promise  to  pay  for  all  purchases  and
advances made by anyone you authorize to use your account, whether or not you notify us
that  he  or  she  will  be  using  it.  If  someone  else  is  authorized  to  use  your  account  and  you
want to end that person's privilege, you must notify us in writing, and if he or she has a Card,
you must return that Card with your written notice for it to be effective. (cid:9)

(cid:9)

9. Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you
open your account and as may be changed from time to time in accordance with applicable
law. Interest Charges will accrue on your average daily balance outstanding during the month
(new and previous). To get the average daily balance, we take the beginning balance each
day, add any new purchases, cash advances, insurance premiums or debt protection fees or
similar fees, and debit adjustments and subtract any unpaid late charges. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and divide that by
the  number  of  days  in  the  billing  cycle.  We  then  multiply  that  by  the  monthly  periodic  rate
corresponding to the Annual Percentage Rate that was previously disclosed to you.

You can avoid Interest Charges on purchases by paying the full amount of the entire balance
for  purchases  each  month  by  the  date  on  which  the  payment  is  due.  Otherwise,  the  new
balance  for  purchases,  and  subsequent  advances  from  the  date  they  are  posted  to  the
account,  will  be  subject  to  an  Interest  Charge.  You cannot  avoid  Interest  Charges  on  cash
advances and balance transfers; even if you pay the entire cash advance balance or balance
transfer balance by the payment due date, you will incur the Interest Charges accrued from
the transaction date of the cash advance or balance transfer.

10. Fees. You agree to pay any and all fees that you incur in connection with your Card, in
accordance with applicable law, in the amounts set forth on your Truth-in-Lending Statement,
which fees and/or amounts may be amended from time to time.

11. Minimum Monthly Payments. Your minimum monthly payment will be 1.5% of your total
New  Balance  shown  on  your  billing  statement  at  the  end  of  each  billing  cycle,  plus  the
amount of any prior payments due that remain unpaid, subject to the lesser of $25 or your
account balance. In addition, any time that your total New Balance exceeds your credit limit,
you  must  immediately  pay  the  excess  upon  our  demand.  You have  the  right  to  pay  your
account  in  full  at  any  time  without  penalty. Partial  payments  or  prepayments  will  not  delay
your next scheduled payment - you will still need to make the minimum scheduled payment
by  the  next  scheduled  due  date  to  keep  your  account  current.  Payments  will  be  applied  in
any  order  we  determine,  subject  to  applicable  law. You understand  that  any  payment  that
delays  the  repayment  of  your  unpaid  balance  will  increase  your  Interest  Charge  and  any
payment  that  accelerates  the  reduction  of  your  unpaid  balance  will  decrease  your  Interest
Charges.

12. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify
us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an  unauthorized  use  may  have
occurred.  "Unauthorized  use"  means  the  use  of  the  Card  by  someone  other  than  you  who
does not have actual, implied or apparent authority for such use, and from which you receive
no benefit. Call or write to us at (800) 593-1000 or (610) 326-5490 or Diamond Credit Union,
1600  Medical  Drive,  Pottstown,  PA 19464.  You also  agree  to  assist  us  in  determining  the
facts,  circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or  possible
unauthorized  use  of  your  Card  and  comply  with  such  procedures  as  we  may  require  in
connection  with  our  investigation.  You will  have  no  liability  for  Mastercard  transactions  not
authorized  by  you,  provided  that  you  have  exercised  reasonable  care  in  safeguarding  the
Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly
report the loss or theft to us.

13.  Crediting  Of  Payments. Payments  are  due  on  the  date  disclosed  on  your  monthly
statement. If your payment is received by us either by mail, electronically, or in-person at a
branch during regular business hours on a business day, it will be credited to your account as
of that date. Payments placed in our lockbox between 6 a.m. and 5 p.m. EST will be credited
to your account as of the date placed in the lockbox. If payment is made by any other means
or at any other times, credit for such payment may be delayed up to five (5) days. Payments
will be applied in any order we determine, subject to applicable law.

14. Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if:
(a) you fail to make any payment on time; (b) if you fail to keep any promises you have made
under this Agreement or under other Agreements you have with us; (c) if you die; (d) if you
file a petition in bankruptcy or have a bankruptcy petition filed against you, or if you become
involved  in  any  insolvency, receivership  or  custodial  proceeding;  (e)  if  anyone  attempts  to
take any of your funds held by us via legal process or if you have a judgment or tax lien filed
against  you;  (f)  if  you  make  any  false,  inaccurate,  or  misleading  statements  in  any  credit
application or credit update; or (g) if we, in good faith, believe that your ability to repay what
you owe is or soon will be impaired, or that you are unwilling to make your payments.

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

If  you  are  in  default,  we  have  the  right  to  demand  immediate  payment  of  your  full  account
balance without giving you notice. If immediate payment is demanded, you agree to continue
paying Interest Charges until what you owe has been paid, and any shares that were given
as  security  for  your  account  may  be  applied  toward  what  you  owe.  You agree  to  pay  all
reasonable  costs  of  collection,  including  court  costs  and  attorney's  fees,  and  any  cost
incurred in the recovery of the Card. Even if your unpaid balance is less than your credit limit,
you will have no credit available during any time that any aspect of your account is in default.

15. Suspension  of  electronic  services  and  access  to  share  or  deposit  accounts.
Subject  to  applicable  law, we  may  suspend  some  or  all  electronic  services  and  access  to
your checking or other account(s) if you become delinquent on any of your loan  or deposit
obligations  to  us  or  you  cause  a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in
connection with such suspension of services.

16. Additional  Benefits/Card Enhancements.  We  may, from  time  to  time,  offer  additional
services  to  your  Account  at  no  additional  cost  to  you.  You  understand  that  we  are  not
obligated to offer such services and may withdraw or change them at any time.

17.  Convenience  Checks.  We  may, at  our  discretion,  issue  checks  to  you  which  may  be
used  for  any  purpose  other  than  making  a  payment  for  credit  to  your  account.  By  signing
such check, you authorize us to pay the item for the amount indicated and post such amount
as a cash advance to your account. We do not have to pay any item which would cause the
outstanding balance in your account to exceed your credit limit.

18. Debt Protection. Voluntary Debt Protection coverage or similar products are not required
for  any  extension  of  credit  under  this Agreement.  However, if  you  choose  to  purchase  this
protection  from  us,  the  fees  will  be  added  to  your  account  balance  each  month  and  will
accrue Interest Charges. We will receive a portion of the fees that you pay as compensation
for offering this service to you. If you elect to purchase Debt Protection, we will provide the
required disclosures and program contract separately at the time of your election.

19.  Transaction  Slips.  Your  monthly  statement  will  identify  what  merchant,  electronic
terminal or financial institution at which transactions were made. Sales, cash advance, credit
or other slips cannot be returned with the statement.

20. Credit Information. We may, from time to time, request personal information from you or
obtain credit reports from the credit reporting agencies for the purpose of updating your credit
status.  Your  failure  to  provide  such  information  when  requested  by  us  may  result  in
suspension  of  credit  privileges  under  this  Agreement,  including  your  ability  to  obtain  any
future  advances  by  any  means.  You  authorize  us  to  investigate  your  credit  standing  when
opening or reviewing your account. You authorize us to disclose information regarding your
account to credit bureau and creditors who inquire about your credit standing.

21. Foreign Transactions; Currency Conversion. Purchases and cash advances made in
foreign currencies will be billed to you in U.S. dollars. Transactions processed outside of the
United States (which may include internet transactions) will be charged a foreign transaction
fee  in  an  amount  to  be  determined  by  us,  regardless  of  whether  there  is  a  currency
conversion  associated  with  the  transaction.  The  conversion  rate  in  dollars  will  be  a  rate
selected by the card company from a range of rates available in wholesale currency markets
for  the  applicable  central  processing  date,  which  rate  may  vary  from  the  rate  the  card
company itself receives, or the government- mandated rate in effect for the applicable central
processing date in each instance.

22. Termination; Change-in-Terms. We may, by written notice, terminate this Agreement at
any  time,  subject  to  applicable  law.  You  may  terminate  this  Agreement  by  written  notice.
Termination by either party shall not affect your obligation to repay any payments made for
your account resulting from use of the Card as well as Interest Charges and fees incurred.
We may change the terms of this Agreement, including the method of calculating the periodic
rate,  at  any  time,  by  written  notice,  subject  to  applicable  law.  To the  extent  permitted  by
applicable  law,  such  rate  changes  shall  apply  to  your  unpaid  balance  as  well  as  future
advances.  Use  of  the  Card constitutes  agreement  and  acceptance  of  any  change  in  terms,
unless applicable law requires otherwise.

23. Late  or Partial Payments. Any  payment  that  delays  the  reduction  of  your  balance  will
increase your total interest costs. Partial payments or prepayments will not delay your next
scheduled payment - you will still need to make the minimum scheduled payment by the next
scheduled  due  date  to  keep  your  account  current.  We  may  accept  late  payments,  partial
payments,  checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not
constitute final settlement of your account or a waiver or forgiveness of any amounts owing
under this Agreement.

24. Enforcement. We do not lose our rights under this or any related agreement if we delay
enforcing them. We can accept late payments, partial payments or any other payments, even
if marked, "paid in full" without losing any of our rights under this Agreement. If any provision
of  this  or  any  related  agreement  is  determined  to  be  unenforceable  or  invalid,  all  other
provisions remain in full force and effect.

25. Returns and Adjustments. Merchants and others who honor the Card may give credit
for returns or adjustments, and they will do so by submitting a credit slip which will be posted
to your account. If your credits and payments exceed what you owe us, the amount will be
applied  against  future  purchases  and  cash  advances.  If  the  credit  balance  amount  is  more
than  $5  but  less  than  $500,  and  if  that  credit  balance  still  remains  on  your  account  after  3
billing cycles, we will mail a refund to you at the most recent address we have on file for you.

26.  Refusal  to  Honor  Card.  We  are  not  liable  for  the  refusal  or  inability  of  merchants,
financial  institutions  (including  us)  and  others  to  accept  the  Card,  or  electronic  terminals  to
honor the Card or complete a Card withdrawal, or for their retention of the Card.

27. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant or
financial  institution  to  honor  your  Card. Also,  we  are  not  responsible  for  goods  or  services
that you purchase with the Card unless: (a) your purchase was made in response to an

advertisement  we  sent  or  participated  in  sending  you;  or  (b)  your  purchase  cost  more  than
$50 and was made from a plan merchant in your state or within 100 miles of your home; and
only if you have made a good faith attempt, but have been unable to obtain satisfaction from
the plan merchant. You must resolve all other disputes directly with the plan merchant. We
do not warrant any merchandise or services purchased by you with the Card.

28.  Statements  and  Notices.  Statements  and  notices  will  be  mailed  to  you  at  the  most
recent postal address or e-mail address (if you have elected to receive such documents via
electronic means) that you have given us. Statements will be sent each month in which there
is  a  debit  or  credit  balance  or  when  an  Interest  Charge  is  imposed.  If  you  have  elected  to
receive a statement via e-mail, you will not be sent a paper statement. We need not send you
a  statement  if  we  feel  your  account  is  uncollectible  or  if  we  have  started  collection
proceedings against your account because you defaulted. Each statement is deemed to be a
correct statement of account unless you establish a billing error pursuant to the Fair Credit
Billing Act. Notice sent to any one of you will be considered notice to all.

29. Integrated Documents. Any separate document entitled "Truth-in-Lending Statement" or
similar which is delivered with this Agreement or provided at a later time is an integrated part
of this Agreement.

30. Notification of Address Change. You will notify us promptly if you change your address
for any reason. In order to prevent identity theft, your identity may need to be verified before
we act upon the notification.

31. Copy Received. You acknowledge that you have received a copy of this Agreement.

32. Governing Law. This  Agreement shall be construed under federal law and state law in
the state in which we are primarily located, and the venue shall be located in the county and
state  in  which  we  are  primarily  located.  Operating  regulations  of  Visa  or  Mastercard,  as
applicable,  may  also  apply. This  Agreement  is  the  contract  that  applies  to  all  transactions
even  though  the  sales,  cash  advance,  convenience  check,  credit  or  other  slips  you  sign  or
receive may contain different terms.

33.  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.

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 1-800-593-1000 during our normal business hours.

2. Advances  will  not  be  secured  by  a  consensual  lien  on  shares  or  deposits  in  any  of

your  share  or  deposit  accounts  unless  you  specifically  agree  to  establish  a  secured

share  or  deposit  account  in  connection  with  this  credit  card  account  (“Secured

Account”).  Only  funds  deposited  into  the  Secured  Account  after  the  credit  card  is

established  will  secure  advances.  Any  cross-  collateralization  provision  contained  in

your  credit  or  membership  documents  will  not  apply  to  the  Secured Account  or  your

other share or deposit accounts for this account.

However, with  regard  to  this  credit  card  account,  we  still  reserve  our  rights  regarding

statutory liens and administrative freeze under federal or state law.

Any contract terms in your credit card, security, or membership agreements that

contradict the above shall be inapplicable.

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. 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  and  conditions  of  the

consumer credit contract shall remain in full force and effect.

LASER PDF FI13614 Rev 9-2021

page 2 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you
owe.

If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we
cannot  report  you  as  delinquent  without  also  reporting  that  you  are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with
your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on
the purchase.

To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at the address(es) listed on your statement.

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

LASER PDF FI13614 Rev 9-2021

page 3 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.