CREDIT CARD ACCOUNT 
AGREEMENT AND DISCLOSURE 
THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL 
TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  MORE  REWARDS VISA AND  MORE REWARDS 
SECURED  VISA  AGREEMENTS, AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF 
YOUR  MORE REWARDS  VISA  AND  MORE  REWARDS  SECURED  VISA  CREDIT  CARDS,  AND/OR 
ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Annual Percentage Rate 
(APR) For Balance Transfers 

Annual Percentage Rate 
(APR) For Cash Advances 

More Rewards VISA: 8.9%-16.9%  More Rewards Secured VISA: 10.9% 

More Rewards VISA: 8.9%-16.9%

More Rewards Secured VISA: 10.9% 

More Rewards VISA: 8.9%-16.9%

More Rewards Secured VISA: 10.9% 

Penalty APR And When it 
Applies 

17.90% 

This APR may be applied if: 
1) You make a late payment.

How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, 
the  Penalty  APR  applied  to  transactions  that  occur  after  the  increase  may  be  applied 
indefinitely. For transactions that occurred prior to the effective date of the increase, the 
increase will apply indefinitely unless 6 consecutive payments are received on or before 
the due date during the six-month period following such increase. 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each month 
within 26 days of Your statement closing date. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http:www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 

 Foreign Transaction
 Cash Advance

1.00% of each transaction in U.S. dollars 
2.00% of each advance ($5.00 minimum - $50.00 maximum)

Penalty Fees 

 Returned Payment
 Over-the-Credit Limit


Late Payment

Up to $23.00 
Up to $29.00 
Up to $29.00 after 4 days 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement.  

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved. 

   Page 1 of 4 

 OTBS 016CCY (4/15)

 
 
 
 
 
 
 
 
Additional Provisions of Agreement 
DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean Vons Employees Federal Credit Union and Its Divisions. The words "You"
and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any 
More Rewards VISA or More Rewards Secured VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the More Rewards 
VISA or More Rewards Secured VISA Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices 
that We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural. 

PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a
variety  of  means  which  could  include  (but  may  not  be  limited  to)  telephonic  requests,  Convenience  Checks,  Credit Cards  and  the  like.  Regardless  of  the  means  by 
which any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent
or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein. 

Account
Feature Categories

More Rewards VISA

More Rewards Secured VISA

USE OF YOUR CARD. You may use Your Card to buy goods and services in 
any place that it is honored and to get cash advances at participating financial 
institutions. You agree not to use Your Card for illegal transactions including, 
but  not  limited  to,  advances  made  for  the  purpose  of  gambling  and/or 
wagering  where  such  practices  are  in  violation  of  applicable  state  and/or 
federal law. 

SECURITY.  Collateral  (other  than  household  goods  or  any  dwelling)  given  as 
security under any other loan You may have with Us will secure all amounts You 
owe  Us  now  and  in  the  future  if  that  status  is  reflected  in the "Truth-in-Lending 
Disclosure" in any particular Agreement evidencing such debt.      

CONSENSUAL  LIEN  ON  SHARES.  You  grant  and  consent  to  a  lien  on 
Your  shares  with  Us  (except  for  IRA  and  Keogh  accounts)  and  any 
dividends  due  or  to  become  due  to  You  from  Us  to  the  extent  You owe 
on any unpaid Credit Card balance. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive and maintain a More Rewards 
Secured  VISA  Credit  Card,  You  agree  to  give  Us  a  specific  pledge  of  shares 
which will equal Your Credit Limit. In the event that You default on Your Account, 
We may apply these shares toward the repayment of any amount owed on Your 
More Rewards Secured VISA Credit Card. You may cancel Your More Rewards 
Secured  VISA  Credit  Card  at  any  time  by  paying  any  amounts  owed  on  such 
Account. To be certain that Your entire balance and all advances are paid, any 
shares  pledged  may  not  be  available  to  You  for  30  days  after  You  have 
cancelled and any outstanding balance is paid in full. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each  specific  Credit  Limit  for 
which  You  are  approved.  Unless  You  are  in  default,  any  Credit  Limits 
established for You will generally be self-replenishing as You make payments. 

You  will  keep  Your unpaid balance within Your Credit Limit set by Us, and You 
will  pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
authorize  the  advances  which  caused You to exceed Your Credit Limit. 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. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for 
the  repayment  of  any  amounts  owed.  If  any  Account  access device, such as a 
Personal 
is  requested  and  approved,  You 
understand  that  any  such  Account  access  device(s)  will  be  mailed  only  to  the 
primary Borrower at the address that We have on file for You. We may refuse to 
follow any instructions which run counter to this provision. 

Identification  Number  (PIN) 

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
only  pay  the  Minimum  Monthly  Payments,  You  understand  that  You  have  the 
right to repay at any time without penalty. You also understand that You will only 
be  charged  periodic  Finance  Charges  to  the  date  You  repay  Your  entire 
balance. You may make larger payments without penalty. Any partial payment or 
prepayment  will  not  delay  Your  next  scheduled  payment.  All  payments  to  Us 
must  be  in  lawful  money  of  the  United  States.  Except  as  required  by  law,  We 
may apply payments in an order of Our choosing.  

More  Rewards  VISA  and  More  Rewards  Secured  VISA  Payments  will  be  an 
amount  equal  to  2.00%  of  Your  new  unpaid  More  Rewards  VISA  or  More 
Rewards  Secured  VISA  balance  at  the  end  of  each  billing  cycle,  subject  to the 
lesser  of  $15.00  or  Your  balance,  plus  any  portion  of  the  Minimum  Payments 
shown  on  prior  statement(s)  which  remains  unpaid,  plus  any  amount  that 
exceeds Your approved Credit Limit. 

Daily
Periodic Rate

___________%

___________%

ANNUAL 
PERCENTAGE 
RATE

___________%

___________%

You may, by separate agreement, authorize Us to charge Your payment directly
to Your share or share draft account. 

FINANCE  CHARGES. In  the  case  of  any  transactions  under  Your  Account,  the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances  outstanding  during  the  month  (including  new  transactions).  To  get  the
average daily balance, We take the beginning balance of Your Account each day,
add  any  new  purchases,  cash  advances,  insurance  premiums,  debit  adjustments
or other charges and subtract any payments, credits and unpaid Finance Charges. 
This  gives  Us  the  daily  balance.  Then,  We  add  up  all  the  daily  balances  for  the
billing cycle and divide them by the number of days in the billing cycle. The Finance
Charge  for  a  billing  cycle  is  computed  by  multiplying  the  average  daily  balance 
subject to a Finance Charge by the Daily Periodic Rate times the number of days in
the billing cycle. 

You can avoid Finance Charges on purchases by paying the full amount of the
entire balance owed each month within 26 days of Your statement closing date. 
Otherwise,  the  new  balance  of  purchases, and subsequent purchases from the
date they are posted to Your Account, will be subject to a Finance Charge. Cash
advances  and  balance  transfers  are  always  subject  to  a  Finance  Charge  from 
the later of the date they are posted to Your Account or from the first day of the
billing cycle in which such transaction is posted to Your Account. 

The minimum FINANCE CHARGE that You will be required to pay in any billing 
cycle that a Finance Charge is due is $0.50. 

PENALTY RATE. If Your Account is ever more than 60 days past due, subject to
applicable  law,  the  Daily  Periodic  Rate  applicable  to  Your  entire  balance  of
transactions  existing  at  that  time  and  in  the  future  will  increase  to  0.049041% 
(corresponding  ANNUAL  PERCENTAGE  RATE  17.90%).  During  the  six month 
period  following  such  an  increase,  if  We  receive  the  first  six  consecutive
required  minimum  periodic  payments  when  due,  the  rate  applicable  to  the
balance of transactions that occurred prior to the increase will be returned to the 
standard rate that would have otherwise been in effect. 

LATE CHARGE. If Your payment is 5 or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $29.00.  

OVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to 
pay a transaction that would exceed Your Credit Limit and We have acknowledged
Your consent as required by applicable law, subject to any limitations imposed by 
applicable  law,  You  will  be  charged  a  fee  for  each  billing  cycle  during  which  You
exceed  Your  Credit  Limit.  The  fee  will  be  an  amount  equal  to  the  lesser  of:  (a)
$25.00  (this  amount  will  be  $29.00  if  you  have  exceeded  Your  Credit  Limit  as
described above within 6 months of previously exceeding Your Credit Limit); or (b) 
the amount by which You have exceeded Your Credit Limit. 

foreign  currencies, 

the  exchange  rate  between 

FOREIGN  TRANSACTIONS. For  transactions  initiated  in  foreign  countries 
and 
transaction 
currency  and  the  billing  currency  (U.S.  dollars)  will  be:  (a)  a  rate  selected
by  VISA  from  the  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 (b) the government-mandated rate in effect for 
the  applicable  central  processing  date.  In  each  instance,  You  will  be
charged a fee in an amount equal to 1.00% of the settlement amount. 

the 

OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees
associated with the use of Your Card: (a) the lesser of $23.00 for any check (or
other  negotiable  instrument  used  for  payment)  which  is  returned  unpaid,  or the

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved. 

   Page 2 of 4 

 OTBS 016CCY (4/15)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Additional Provisions of Agreement 

required  minimum  payment  amount  for  the  returned  payment;  (b)  a  cash 
advance fee FINANCE CHARGE equal to the greater of 2.00% of each advance 
or $5.00, subject to a maximum of $50.00; and (c) $6.00 for each replacement 
Card You request. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or 
in such increments as We may from time to time determine) to Your share draft 
account by an advance on Your Account, subject to this provision, to clear any 
Overdraft on Your share draft account. Whether or not such transfers occur will 
be  controlled  by  this  Agreement.  In  any  event,  You  hold  Us  harmless  for  any 
and  all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur. 
Overdraft Protection automatically ceases if this Agreement is ever cancelled or 
terminated or Your Account is in default. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing all transactions on Your Account including amounts paid and borrowed 
since  Your  last  statement.  We  will  mail  You  a  statement  each  month  in  which 
there  is  a  debit  or  credit  balance  or  when  a  Finance  Charge  is  imposed.  We 
need not send You a statement if We feel Your Account is uncollectible or if We 
have started collection proceedings against You because You defaulted. EACH 
STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT 
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL 
TRUTH-IN-LENDING ACT.  

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are 
under  no  obligation  to  honor  Your  Convenience  Checks  if:  (1)  by  paying  a 
Convenience  Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or 
Convenience  Checks  have  been  reported  lost  or  stolen;  (3)  Your  Account  has 
been cancelled or has expired. If a postdated Convenience Check is paid and, 
as  a  result,  any  other  Convenience  Check  is  returned  unpaid,  We  are  not 
responsible for any resulting loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any  obligation  under  this  Agreement,  or  any  other  agreement  that  You  may  have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial  proceeding  brought  by  or  against  You;  or (c) You have made a false or 
misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any of 
Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare  the  entire  balance  of  Your  Account  immediately  due  and  payable, 
without prior notice or demand.  

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys’  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
facts  to  update  information  contained  in  Your  original  Account  application  or
other financial information related to You, at Our request. You also agree that
We may, from time to time, as We deem necessary, make inquiries pertaining 
to  Your  employment,  credit  standing  and 
in
accordance  with  applicable  laws  and  regulations.  You  further  agree  that  We
may give information about the status and payment history of Your Account to 
consumer  credit  reporting  agencies,  a  prospective  employer  or  insurer,  or  a
state  or  federal  licensing  agency  having  any  apparent  legitimate  business
need for such information.  

responsibility 

financial 

TERMINATION. Either You or We may cancel Your Account or any particular 
Feature  Category  of  Your  Account,  at  any  time,  whether  or  not  You  are  in
default.  You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances
according to the terms of Your Account. 

OWNERSHIP. 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 its
use immediately upon Our request. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER. We  will  issue  a 
Personal Identification Number (PIN) for use with participating Automated Teller 
Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be  disclosed  to
anyone. You may use Your PIN 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  fund  transfer,  the  terms  and  conditions  of  Your
electronic fund transfer agreement may also affect Your rights. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED  USE. You  may  be  liable  for  the  unauthorized  use  of  Your 
Card. You will not be liable for the unauthorized use that occurs after You notify 
Us  of  the  loss,  theft,  or  possible  unauthorized  use  by  calling  Us  during  regular
business  hours  at  (800)  488-8328,  or  after  hours,  on  weekends  or  holidays  at 
(800) 325-3678, or by writing to Us at the address shown in this Agreement. In 
any case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS. We  are  not 
liable for the refusal or inability of merchants, financial institutions and others to
accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to  honor  the 
Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or
Convenience Checks. 

TRANSACTION  SLIPS. Your  monthly  statement  will  identify  the  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but
sales, cash advances, credit or other slips cannot be returned with the statement. 

LOST  CARDS  OR  CONVENIENCE  CHECKS.  To  report  lost  or  stolen  Credit 
Cards  or  Convenience  Checks,  You  will  immediately  call  Us  during  regular
business  hours  at  (800)  488-8328,  or  after  hours,  on  weekends  or  holidays  at
(800) 325-3678, or by writing to Us at the address shown in this Agreement.  

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  they  are  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. 

CREDITS. If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account.  If  Your  credits  and  payments  exceed  what  You  owe  Us,  We  will  hold
and  apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is
$1.00  or  more refund it on Your written request automatically deposit it to Your
share account after 6 months.   

NOTIFICATION  OF  ADDRESS  CHANGE.  You  will  notify  Us  promptly  if  You 
move or otherwise change Your address or telephone number. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
delivering  to  You  written  notice  of  the  changes  as  prescribed  by  the  Federal 
Truth-In-Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the 
terms  of  this  Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the 
periodic rate applicable to Your unpaid balance and/or future advances. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act,"  and/or  "Credit  Line  Account  Advance 
Request and Security Agreement" which is delivered together with this Agreement 
or at a later date becomes an integrated part of this Agreement and Disclosure. 

GOVERNING  LAW. This  Agreement  is  controlled  and  governed  by  the  laws  of 
the  State  of  California  except  to  the extent that such laws are inconsistent with
controlling federal law. 

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  Our  address
shown in this Agreement. In Your letter, give us the following information: 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the application; or by using Your Account or any Account 
access device; or by authorizing another to use Your Account, You agree to and 
accept its terms. 





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. 

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved. 

   Page 3 of 4 

 OTBS 016CCY (4/15)

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
      
 
 
 
 
Additional Provisions of Agreement 

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 

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  $50.00  of  the  amount  You  question
even if Your bill is correct. 

When We receive Your letter, We must do two things: 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

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. 

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: 

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. 

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  $50.00.  (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. 

 We can apply any unpaid amount against Your Credit Limit. 

3)  You must not yet have fully paid for the purchase.  

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. 

If  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied  with  the
purchase, contact Us in writing at Our address shown in this Agreement.  

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. 

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved. 

   Page 4 of 4 

 OTBS 016CCY (4/15)