Page 1 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE  
Revised 08/1/2017 �201 7 Farleigh Wada Witt   OREGON COMMUNITY CREDIT UNION VISA 
CREDIT CARD ACCOUNT AGREEMENT  
 
This Visa� Credit  Card  Account  Agreement  (�Agreement�)  and the Account  Disclosures  (�Account  Disclosure�)  given  to you 
when  you opened your Card account (�Account�) will govern your Visa Credit Card and Account issued by Oregon 
Community Credit Union (�Credit Union�). In this Agreement, the words �you,� �your,� �yours,� �applicant,� and �Borrower�  
mean  any person  who signs  the application  for this Account, any  joint obligor,  guarantor,  authorized  user,  or the person  
whose  name is embossed  on the Card.  The words  �we,�  �us,� �our,�  and �Credit Union�  mean  Oregon  Community  Credit  
Union.  The word  �Card�  means any one or more  credit  cards  issued  under  this Account.  If you sign an application for this 
Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this 
Agreement just as if you and they signed it, and you and they, jointly  and severally, will be bound by the following 
terms and conditions  which will govern this  Account.  
1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus any Interest  Charges,  which  arise  from use of the Card  
or Account  by you or any other  person,  and to be jointly  and severally  liable  with such a person,  unless  such  other  person  
does  not have  actual,  implied,  or apparent  authority  for such  use, and you received  no benefit  from the use. You promise  to 
pay us either  by direct  payment  or by automatic transfers from  shares.  
2. ACCOUNT  ACCESS.  
a. Purchases, Cash Advances, and Balance Transfers. You must sign the Card  to use it. Once  you have  signed  the 
Card,  you can use it  to buy or lease  goods,  services,  or insurance  wherever  the Card  is honored,  up to the full amount  of 
your Credit  Line.  You may use your Account  to get cash  advances  from us. You may also use your Card to  get a cash  
advance  from participating  financial  institutions  and to access your line of credit at automatic teller machines (�ATMs�) 
within  the VISA  network  or any other  ATMs.  
b. VISA Convenience Checks. If we approve, you may obtain advances  under  your Account  by writing  preprinted  VISA  
convenience loan checks  that we supply  to you. Your  use of loan checks  will be shown  either  as a purchase,  cash  
advance,  or balance  transfer  on your  monthly  statement.  We may not honor  your loan check  if: your check is post -dated; 
payment of the check would exceed your Credit Line; a check is signed by a person without authorized access; the 
amount  of the check  is less than the minimum  required  amount; your Account  has been  terminated  or suspended,  or any 
drafts  have been  reported  lost or stolen.  You may stop payment  on a loan check if you provide us with the exact 
information describing the check. If you give us incorrect  information,  we will not be responsible  for failing  to stop 
payment.  You understand  there  may be a charge  for each  stop payment  order  requested.  Our liability  for a wrongful 
dishonor is limited to your actual charges; however, a dishonor for  the reasons  stated  above  is not a wrongful  dishonor.  
Only the person  whose  name  is printed  on a convenience  check  may sign it. All convenience  checks  must  be written  in 
U.S. dollars.  We will not certify a convenience check. You may write these checks for any amount  providing  your total 
outstanding  balance  does  not exceed your available  Credit  Line and your credit  card remains  in good standing.  We are 
entitled  to return  it unpaid  if there  is not enough  available credit on your Account to pay it, if you are in default under this 
Agreement, if your card or convenience checks have been reported lost or stolen, or if the convenience che ck is post -
dated. A VISA convenience check may not be used to make a payment on your VISA credit card account or any other 
loan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of 
your Credit L ine. 
3. CREDIT LINE . If we approve your application, this Agreement will constitute a revolving line of credit for an amount which 
will be the Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the 
maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the 
amount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess 
immediately, even if we have not ye t billed you. Obtaining such credit does not increase your Credit Line. We retain the right 
to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be 
shown on your monthly statement or by sepa rate notice together with any changes in the applicable Minimum Monthly 
Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion , 
without demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in 
half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement 
and your liability hereunder shall otherwise remain in full f orce and effect until you have paid us all sums due us under this 
Agreement and returned all Cards.  
4. MINIMUM MONTHLY PAYMENT . We will mail you a statement every month if your Account has a balance. You agree 
that you will pay each month not less than the  minimum monthly payment on or before the payment due date. The minimum 
monthly payment will be the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (�New 
Balance�), or (c) 1.0% of the New Balance plus (i) any unpaid Int erest Charges and (ii) any unpaid fees or other finance 
charges. If your outstanding balance is less than $30, you agree to pay the balance in full. In addition to the minimum 
monthly payment, you agree to pay any �Over  limit Amount� and any amount past due  shown on your statement each month 
by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you 
may repay in monthly installments. We can accept late payments or partial payments, or checks, draf ts, or money orders 
marked �payment in full� without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit  
posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment  may be  Page 2 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE  
Revised 08/1/2017 �201 7 Farleigh Wada Witt   allocated at the Credit Union�s discretion to pay off lower rate balances, such as promotional offers, before higher rate 
balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first 
to hig her rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If 
you choose to skip that payment, Interest Charges will continue to accrue in accordance with this Agreement. Payments 
received at: Oregon Com munity Credit Union, Attn: Card Services, P.O. Box 84063, Columbus, GA 31908 -4063, on or 
before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail 
at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.  
5. SECURITY  INTEREST.  By signing  your application,  to secure  your Account,  you grant  us a purchase  money  security  
interest  under  the Oregon  Uniform  Commercial  Code  in any goods  you purchase  through your Account.  If you default,  we 
will have  the right to recover  any of these goods that have not been paid for through application of your payments  in the 
manner  described  in Section  4. In addition,  you grant us  a security  interest  in all your shares  and deposits,  present  and 
future, and all accounts (except Individual Retire ment Accounts and Keogh Accounts) with the Credit Union to secure your 
Account and agree, upon  default,  the Credit  Union  may apply  all that is secured  to pay any amounts  due under  this 
Agreement,  without  further  notice  to you. You further  agree  that collateral  securing  other  loans  with the Credit  Union (except  
loans  secured  by real property)  also secures  this Account.  
6. PERIODIC STATEMENTS. Each month, if your outstanding balance exceeds  $1, we will send  you a statement  showing  
new purchases, cash advances, payments, and credits made to your Account during the  billing  period,  your Previous  
Balance,  your �Total  New Balance,�  any Interest  Charge,  and any other  charges.  Your  statement  also will identify the  
remaining  Credit  Line available  and the Minimum  Monthly  Payment you  must  make  for that billing  period  and the date it is 
due. For statement verification  purposes,  you agree  to retain  copies  of transaction  slips resulting  from each  purchase,  each  
advance,  and other  transaction  on your  Account.  Unless  you notify  us of a billing  error  as described  below, you accept  your 
monthly  statement  as an accurate  statement  of your Account with  us. 
7. VISA  TRANSACTION  ALERTS.  If you are eligible,  you may enroll  in the Visa Purchase  Alerts  service  by signing  up at a 
Visa website.  Your use of the Visa Purchase  Alerts  service  will be governed  by any terms and  conditions  provided  by Visa at 
the time of your enrollment.  
8. CIRCUMSTANCES UNDER WHICH AN  INTEREST CHARGE WILL BE IMPOSED. The total outstanding balance of 
purchases, balance transfers,  and cash  advances  in the Account  on the closing  date of a billing  period,  including  any 
Interest  Charge,  will be shown  on the Periodic  Statement  for that billing  period  as the �New  Balance.�  
a. Cash  Advances  and Balance  Transfers.  We begin  charging  an Interest  Charge  on cash  advances  and balance  
transfers  from the date of each  transaction.  There  is no time period  within  which  to pay to avoid  a periodic  Interest  
Charge  on cash  advances  or balance transfers.  
b. Purchases.  Your  due date is at least  25 days  after the close  of each  billing  period.  An Interest  Charge  will be imposed    
on the portion of  purchases  included  in the New Balance  that is not paid by the due date.  This �grace  period�  allows  you 
to avoid  an Interest  Charge  on purchases  for a billing  period.  However,  if you do not pay the New Balance  for purchases  
within  the grace  period,  your Interest  Charge will  accrue  on any unpaid  purchase  transactions  from the first day of the 
billing  period  in which  the payment  is due. 
9. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND 
AMOUNT OF INTEREST CHARGE. The Credit Union figures the Interest Charge on your Account by multiplying  the 
�Average  Daily  Balance�  of purchases,  balance transfers, and cash advances for your Account (including current 
transactions)  by the Daily  Periodic  Rate,  and then we multiply  the result by the number  of days  in the billing  period.  To get 
the �Average  Daily Balance� we take the beginning balance of your Account each day, add any new purchases or cash 
advances, and subtract any payments  or credits,  unpaid  Interest  Charge  and unpaid  fees. This gives  us the daily balance.  Then,  we add up all the 
daily balances  for the billing  period  and divide  the total by the number  of days in the billing  period.  This gives  us the  �Average  Daily Balance.�  To get the �Daily  
Periodic  Rate,�  we divide the Annual  Percentage  Rate in effect  for the billing  period  by 365. 
10. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.  
a.  Standard Rates. The Periodic Rate and corresponding Annual Percentage Rate(s) used to compute the Interest Charge are variable and based  on 
the value  of an index.  The index  in effect  for each billing period  shall be the highest  �Prime  Rate�  of interest  appearing  in The Wall Street  Journal  
published  on the last business  day of the month preceding  the first day of such billing  period  or, if The Wall Street Journal  is not published  on 
such date, the next day on with such Prime  Rate is published.  To determine  the Annual  Percentage  Rate, we  add a margin  to the index.  The amount  
of the margin  depends  on the  type of account,  your credit  profile,  and other factors  we deem appropriate.  The margin  applicable  to your account  is 
provided  to you in your Account  Disclosure.  The Annual  Percentage  Rate is divided  by 365 to obtain  the Periodic  Rate.  The rate can change 
monthly  effective  the first day of the billing  cycle.  Any increase  or decrease  in the Annual  Percentage  Rate will affect  the number  of monthly  
payments  you may have to make.  If the Wall Street  Journal ceases  publication  or ceases  to publish  the Prime  Rate,  we reserve the  right to use the 
Prime  Rate published  in any other newspaper  of general circulation, or we may substitute a similar reference at our sole discretion.  
b. Introductory  Rates.  At our discretion,  we may offer you an introductory or promotional Annual Percentage Rate for your Account.  Any 
introductory  or promotional  Annual  Percentage  Rate will be subject  to the terms  of the offer and this Agreement.  We will provide  you with information  
on the offer, including  the time period the  introductory  or promotional  Annual  Percentage  Rate is in effect in the Account  Disclosure  or in other  
materials  that we send to you about  the offer after you receive  your Credit  Card.  
c. Military  Lending  Act. 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 or their dependents may not exceed an 
annual percentage rate of 36%. This rate must include, as applicable to the particular credit transaction or account, the costs associated with credit  
insurance premiums, fees for ancillary products sold in connection with the credit transaction, any  application  fee charged  (other  than certain   Page 3 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE  
Revised 08/1/2017 �201 7 Farleigh Wada Witt   application  fees for specified credit transactions or accounts), and any partic ipation fee  charged  (other  than certain  participation  fees for a credit  card 
account).  If you would  like to hear more about  your rights  under  the Military  Lending  Act, please  contact  us at 844.333.6247.  
11. CONDITIONS  UNDER  WHICH  OTHER  CHARGES  MAY  BE IMPOSED.  
You agree  to pay the following  fees and charges  on your Account.  
a. Late Fee. If we do not receive  your minimum  payment  on the due date,  you agree  to pay a late fee up to $25. 
b. Copying  Fee. We may charge  you $10 for each VISA  draft copy you request  for your Account.  If the request  relates  to a billing  error and  we 
determine  that a billing  error was made,  any photocopying charges will be  refunded.  
c. Returned  Item Fee. If any check  or draft we receive  from you as payment  for any amount  you owe to us is returned  to us unpaid, you agree  
to pay a returned  item fee of up to $25. 
d.  ATM Fee. If you use an ATM to obtain  a cash advance  and the  ATM is not operated  by us, you may be charged  an ATM surcharge  by 
the ATM operator  or an ATM network  utilized  for such a  transaction.  The ATM surcharge  may be charged  to your Account if you complete  the 
transaction.  
e. Cash  Advance  Fee. When  you obtain  a cash advance,  you agree to  pay a cash advance  fee of either  $10 or 3% of the amount  of each cash 
advance,  whichever  is greater,  for each cash advance obtained.  This cash advance  fee is in addition  to any ATM Fees that may  apply.  
f.  Balance Transfer Fee. When you obtain a balance transfer, you agree  to pay a balance  transfer  fee of either  $10 or 3% of the amount  of 
each balance  transfer  amount,  whichever  is greater.  
g.  Rush  Card  Fee. When  you request  that we send you a new or replacement  Card on an expedited  basis,  you agree  to pay a rush card fee of  
$30. 
h. Attorney�s  Fees  and Costs.  If you default  on any part of this Agreement,  you agree  to pay us all costs  to collect  your Account, including  
court costs  and reasonable  attorney  fees whether  or not there  is a lawsuit,  and fees on any appeal  and fees for bankruptcy proceedings,  appeals,  and 
any post-judgment  collection  services, if  applicable.  These  fees and costs  may be added  to your Account balance and will bear interest at the Annual 
Percentage Rate in effect at that  time. 
12. CONDITIONS  OF CARD  USE. The use of your Card and Account are subject  to the following  conditions:  
a. Use. Your Card and Account  may be used only for valid and lawful  purposes.  You may not use your Card (i) to make  Purchases or  obtain  Cash  
Advances  for any illegal  transaction,  or (ii) for any internet or online gambling transactions. If you use your Card for any  illegal  or prohibited  transaction,  
this Agreement  also applies  to such  transaction  and you agree  to pay any and all amounts  related to such transaction  pursuant  to the terms  of this 
Agreement.  We may, at our sole discretion  and without  warning,  restrict  the use of or terminate  your Card if we notice  excessive  use of your Card or 
other  suspicious  activities  or if we reasonably  believe  the Card is or has been used for one or more illegal  or prohibited  transactions.  
b. Ownership of Cards. Any Card or other credit instrument or device  which  we supply  to you is our property  and must be returned to us, or to 
any person  whom  we authorize  to act as our agent,  or to any person who is authorized to honor the Card, immediately according  to instructions.  The 
Card may be repossessed  at any time in our sole discretion without demand or notice. You cannot transfer  your Card or Account  to another  
person.  
c. Honoring  the Card.  We may decline  to honor  any transaction  for any reason.  Neither  we nor merchants  authorized  to honor  the Card will  be 
responsible  for the failure  or refusal  to honor  the Card or any other  credit  instrument  or device  we supply  to you. If a merchant agrees  to give you a 
refund  or adjustment,  you agree  to accept  a credit  to your Account  in lieu of a cash refund.  
d. Currency Conversion/International Transaction Fee. Purchases and cash advances  made  in foreign  countries  will be billed  to you. 
in U.S. dollars. The currency conversion rate for international transactions  as established  by VISA  International,  Inc. is 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 the government - mandated rate in effect for 
the applicable central processing  date.  
e. Notices  and Payments.  All notices  will be sent to your address as shown  in the application.  You agree  to advise  us 
promptly  if you change your mailing address. All payments should be mailed to us at the remittance address shown on 
your monthly statements. Payments  received  at that address  will be credited  to your Account as of the date received.  
Written  notices  and inquiries  to us must be sent  to: 
Oregon Community Credit Union Attn: Card Services  
P.O. Box 84063  
Columbus, GA 31908 -4063  
855-755-6423  
f. Personal Identification Number . If we issue you a Personal Identification Number (�PIN�) for use with your Card in 
accessing your line of credit  at ATMs,  these  numbers  are issued  to you for your security  purposes.  These  numbers  are 
confidential  and should  not be disclosed  to third parties.  You are responsible  for safekeeping your PIN. You agree not to 
disclose or otherwise make  available  your PIN to anyone  not authorized  to sign on your Account. To keep your Account 
secure, please do not write your PIN on your Card  or keep  it in the same  place  as your Card.  
13. LOAN  PROTECTION.  Loan  Protection  coverage  is not required for any extension of credit under this Agreement. 
However, you may purchase any loan protection available through us and have the  monthly  fee added  to your outstanding  
balance  as purchases.  If you elect  to do so, we will give you the necessary  disclosures  and documents  separately.  
14. DEFAULT.  You will be in default  under  this Agreement  if any of the following  occur:  (a) Any Minimum  Monthly  Payment  is 
not made  when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement,  or any other  
agreement  with us; or (d) If we reasonably  deem  ourselves  insecure  with respect  to your Account. Upon default, we may 
declare the entire unpaid balance immediately due  and payable,  and you agree  to pay that amount  plus any attorney�s fees 
and costs  we incur,  including  fees and costs  in any appeal  or bankruptcy  proceeding.  We can delay  enforcing  any right under   Page 4 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE  
Revised 08/1/2017 �201 7 Farleigh Wada Witt   this Agreement  without  losing  that right or any other  right.  We will notify you in writing  of any such  action  as soon  as practical  
if it occurs.  
15. SUSPENSION OF EFT ACCESS OR SERVICE. If you are in breach of this Agreement or any other loan, account, or 
service agreement with the Credit  Union  or we suspect  fraudulent  activity  on your account,  the Credit  Union  may without  prior 
notice  restrict  access  to your  accounts  or suspend  your electronic  services  or access  devices, including ATM or debit cards 
and online or mobile banking services. Such  restrictions  may continue  until you cure any breach  condition  or any fraud 
condition is  resolved.  
16. GOVERNING LAW.  This Agreement  will not take effect  until it is approved  by us. This Agreement  shall  be governed  by 
the laws of the State of  Oregon.  
17. SEVERABILITY.  If any provision  of this Agreement  is held invalid,  the remaining  provisions  that are severable  shall 
remain  in effect.  
18. LOSS  OR THEFT  OF CARD.  You agree  to notify  us immediately  of the loss, or the theft,  or the use without  your 
permission,  of any Card or  other  credit  instrument  or device  which  we supply  to you. You may be  liable  for the unauthorized  
use of your card.  You will not be liable for unauthorized  use which  occurs  after you notify:  Oregon  Community Credit  Union,  
Attn: Card  Services,  P.O. Box 84032,  Columbus,  GA 31908 -4032, Telephone: 855-755-6423, orally or in writing of loss, 
theft,  or possible  unauthorized  use. In any case,  your liability  shall not exceed  $50. 
19. CREDIT INFORMATION /FINANCIAL STATEMENTS . You authorize us to release  information  to others  (e.g.,  credit  
bureaus,  merchants, and other  financial  institutions)  regarding  the status  and history  of your Credit Line. You agree to 
provide us, at any time we deem necessary, with a current financial statement and/or updated credit information upon  
request.  We may investigate  your credit  directly  or through  a credit reporting  agency.  
20. AMENDMENTS. We reserve the right to change any terms or conditions  of this Agreement  at any time,  to the extent  
permitted  by applicable  law. We will notify  you of the changes  to this Agreement  as required by  law. 
21. BILLING ERRORS NOTICE, YOUR CREDIT CARD 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: Oregon  
Community  Credit Union,  Attn: Card  Services,  P.O. Box 84032,  Columbus,  GA 31908 - 4032.  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.  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  Page 5 - VISA CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE  
Revised 08/1/2017 �201 7 Farleigh Wada Witt   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  at the above  address.  
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.  
22. ACKNOWLEDGMENT. You understand and agree to the terms and conditions in this Agreement and the Fair Credit 
Billing Notice.  You acknowledge that you have received a copy of this Agreement, the Account  Disclosure,  and the Fair 
Credit  Billing  Notice.  This Agreement  is a final expression  of the agreement  between  you and the Credit  Union.