each credit reporting agency to which we reported  each credit reporting agency to which we reported  each credit reporting agency to which we reported  What To Do If You Find A Mistake  What To Do If You Find A Mistake  What To Do If You Find A Mistake  While we investigate whether or not there has  While we investigate whether or not there has  While we investigate whether or not there has  Your Rights If You Are Dissatis?ed With Your  Your Rights If You Are Dissatis?ed With Your  Your Rights If You Are Dissatis?ed With Your 
    these accounts to any amounts due. Shares and deposits and request a correction. If, after our investigation,  and request a correction. If, after our investigation,  and request a correction. If, after our investigation,  be reasonable and just and also those costs, expenses On Your Statement On Your Statement On Your Statement been an error:
                                                                      may contact the Illinois Commissioner of Banks and Trust been an error: been an error: If we find that we made a mistake on your bill, you will not Credit Card Purchases Credit Card Purchases Credit Card Purchases
    in an Individual Retirement Account, and any other account we disagree with you, we will tell you in writing or  we disagree with you, we will tell you in writing or  we disagree with you, we will tell you in writing or  and attorney�s fees incurred in appellate, bankruptcy, and Companies for comparative information on interest rates, �  We cannot try to collect the amount in question,  �  We cannot try to collect the amount in question,  �  We cannot try to collect the amount in question,  have to pay any FINANCE CHARGES related to any
    that would lose special tax treatment under state or federal by telephone how to submit a statement to those  by telephone how to submit a statement to those  by telephone how to submit a statement to those  post-judgment proceedings. If you think there is an error on your statement, write  If you think there is an error on your statement, write  If you think there is an error on your statement, write  charges, fees and grace periods.  State of Illinois-CIP,P.O. or report you as delinquent on that amount. or report you as delinquent on that amount. or report you as delinquent on that amount. questioned amount.  If we didn�t make a mistake, you may If you are dissatis?ed with the goods or services that  If you are dissatis?ed with the goods or services that  If you are dissatis?ed with the goods or services that 
    law if given as security are not subject to the security agencies for inclusion in your credit report. agencies for inclusion in your credit report. agencies for inclusion in your credit report. to us at: to us at: to us at: Box 10181, Springfield, IL  62791:  800-634-5452. �  The charge in question may remain on your  �  The charge in question may remain on your  �  The charge in question may remain on your  have to pay FINANCE CHARGES, and you will have to you have purchased with your credit card, and you  you have purchased with your credit card, and you  you have purchased with your credit card, and you 
    interest you have given in your shares and deposits. 19.  Convenience Checks.  Credit Card account
                                        Member Services Member Services Member Services statement, and we may continue to charge you  statement, and we may continue to charge you  statement, and we may continue to charge you  make up any missed payments on the questioned
                                                                                                        have tried in good faith to correct the problem with  have tried in good faith to correct the problem with  have tried in good faith to correct the problem with 
      13.  13.  13.  Other  fees�The following charges will be  Cardholders may sometimes be issued personalized P.O. Box 10409 interest on that amount. YOUR BILLING RIGHTS amount.  In either case, we will send you a statement of
        Other  Other  fees�The following charges will be  fees�The following charges will be  P.O. Box 10409 P.O. Box 10409 interest on that amount. interest on that amount. the merchant, you may have the right not to pay the  the merchant, you may have the right not to pay the  the merchant, you may have the right not to pay the 
    15.   Effect of Agreement.  This Agreement is the contract checks that can be used to access your credit account the amount you owe and the date that it is due.
      charged to your Account as appropriate: charged to your Account as appropriate: charged to your Account as appropriate: Des Moines, IA 50306-0409 Des Moines, IA 50306-0409 Des Moines, IA 50306-0409 �  While you do not have to pay the amount in  �  While you do not have to pay the amount in  �  While you do not have to pay the amount in  remaining amount due on the purchase. remaining amount due on the purchase. remaining amount due on the purchase.
    which applies to all transactions on your account even without additional service charges other than the accrual - Please Read Carefully -
                                                                         question, you are responsible for the remainder  question, you are responsible for the remainder  question, you are responsible for the remainder  To use this right, all of the following must be true: To use this right, all of the following must be true:
    though the sales, cash advance, credit or other slips you of FINANCE CHARGES.  You can use your convenience This notice contains important information about your If you fail to pay the amount that we think you owe, we To use this right, all of the following must be true:
    sign or receive may contain different terms.  We may A.  Late and returned payment fees. A.  Late and returned payment fees. A.  Late and returned payment fees. In your letter, give us the following information: In your letter, give us the following information: of your balance. of your balance. of your balance.
                                     checks to purchase goods and services or to obtain cash In your letter, give us the following information: 1. The purchase must have been made in your 
                                                                          rights and our responsibilities under the may report you as delinquent.  However, if our explanation 1. The purchase must have been made in your  1. The purchase must have been made in your 
    amend this Agreement from time to time by sending you       The following charges may be imposed, if   The following charges may be imposed, if   The following charges may be imposed, if   up to the amount of your credit line.  Use of your checks � Account information: Your name and account  � Account information: Your name and account  � Account information: Your name and account  �  We can apply any unpaid amount against your  �  We can apply any unpaid amount against your  �  We can apply any unpaid amount against your  Fair Credit Billing Act. does not satisfy you and you write to us within ten days home state or within 100 miles of your current  home state or within 100 miles of your current  home state or within 100 miles of your current 
    the advance written notice required by law.  Your use of the    applicable:    applicable:  applicable:  will be a cash advance on your VISA account.  We are not number. number. number. credit limit. credit limit. credit limit. telling us that you still refuse to pay, we must tell anyone mailing address, and the purchase price must  mailing address, and the purchase price must  mailing address, and the purchase price must 
    card thereafter will indicate your agreement to the �	 �  �  Late Payment Fee: A late payment fee, in the   Late Payment Fee: A late payment fee, in the   Late Payment Fee: A late payment fee, in the   required to honor a convenience check that will cause you �  Dollar amount: The dollar amount of the   �  Dollar amount: The dollar amount of the   �  Dollar amount: The dollar amount of the   Notify Us In Case of Errors or Questions About Your we report you to that you have a question about your bill. have been more than $50.  have been more than $50.  have been more than $50. 
    amendments. To the extent the law permits, and we amount indicated in the enclosed disclosure table,  amount indicated in the enclosed disclosure table,  to exceed your Credit Line. And, we must tell you the name of anyone we reported
        amount indicated in the enclosed disclosure table,  suspected error. suspected error. suspected error. Bill After  we  ?nish  our  investigation,  one  of  two  After  we  ?nish  our  investigation,  one  of  two  After  we  ?nish  our  investigation,  one  of  two        (Note: Neither of these are necessary if your  (Note: Neither of these are necessary if your  (Note: Neither of these are necessary if your 
    indicate in our notice, amendments will apply to your may be imposed if the required minimum payment  you to.  We must tell anyone we report you to that the
        may be imposed if the required minimum payment  may be imposed if the required minimum payment  �  Description of problem: If you think there is an  �  Description of problem: If you think there is an  �  Description of problem: If you think there is an  things will happen: things will happen: things will happen: purchase was based on an advertisement we  purchase was based on an advertisement we  purchase was based on an advertisement we 
    existing account balance as well as to future transactions. We will not pay a check if at the time the check is If you think your bill is wrong, or if you need more matter has been settled between us when it finally is.
        due is not received by the due date listed on the  due is not received by the due date listed on the  due is not received by the due date listed on the  error on your bill, describe what you believe is  error on your bill, describe what you believe is  error on your bill, describe what you believe is  �  If we made a mistake: You will not have to pay  �  If we made a mistake: You will not have to pay  �  If we made a mistake: You will not have to pay  mailed to you, or if we own the company that  mailed to you, or if we own the company that  mailed to you, or if we own the company that 
    The Credit Union can delay enforcing any of its rights any presented, you are in default or we have suspended, information about a transaction on your bill, write us on a
        monthly periodic statement. monthly periodic statement. monthly periodic statement. wrong and why you believe it is a mistake. wrong and why you believe it is a mistake. wrong and why you believe it is a mistake. the amount in question or any interest or other  the amount in question or any interest or other  sold you the goods or services.) sold you the goods or services.)
    number of times without losing them. terminated, or canceled your Account.  Checks may be separate sheet at the address listed on your bill.  Write to the amount in question or any interest or other  If we don�t follow these rules, we can�t collect the first $50 sold you the goods or services.)
        �	 �  �  Returned Payment Fee: A returned payment  Returned Payment Fee: A returned payment  Returned Payment Fee: A returned payment  fees related to that amount. 2. You must have used your credit card for the 
                                     used only by the person(s) whose name(s) is on the VISA us a soon as possible.  We must hear from you no later fees related to that amount. fees related to that amount.
                                                                                                       of the questioned amount, even if your bill was correct. 2. You must have used your credit card for the  2. You must have used your credit card for the 
    16.   Terminate This Agreement.  Either the Credit Union fee, in the amount indicated in the enclosed  fee, in the amount indicated in the enclosed  fee, in the amount indicated in the enclosed  account.  You are responsible for all authorized use of your You must contact us: You must contact us: You must contact us: than 60 days after we have sent you the first bill on which �  If we do not believe there was a mistake: You  �  If we do not believe there was a mistake: You  �  If we do not believe there was a mistake: You  purchase. Purchases made with cash advances  purchase. Purchases made with cash advances  purchase. Purchases made with cash advances 
    or you may terminate this Agreement at any time, but disclosure table, may be imposed if your payment  disclosure table, may be imposed if your payment  disclosure table, may be imposed if your payment  convenience checks.  You may not   use your convenience �  Within 60 days after the error appeared on your  �  Within 60 days after the error appeared on your  �  Within 60 days after the error appeared on your  the error or problem appeared.  You can telephone us, but will have to pay the amount in question, along  will have to pay the amount in question, along  will have to pay the amount in question, along  from an ATM or with a check that accesses your  from an ATM or with a check that accesses your  from an ATM or with a check that accesses your  Special Rules for Credit Card Purchases
    termination by you or the Credit Union will not affect your is returned for any reason. is returned for any reason. is returned for any reason. checks to pay any amount which you owe us under your statement. statement. statement. doing so will not preserve your rights. with applicable interest and fees. We will send  with applicable interest and fees. We will send  with applicable interest and fees. We will send  credit card account do not qualify. credit card account do not qualify. credit card account do not qualify.
    obligation to pay the account balance plus any FINANCE B.  Replacement  B.  Replacement  B.  Replacement  Cards,  Cards,  Cards,  copies,  copies,  copies,  and  and  and  special  special  special  account.  Provided such request is timely, so that we shall �  At least 3 business days before an automated  �  At least 3 business days before an automated  �  At least 3 business days before an automated  you a statement of the amount you owe and the  you a statement of the amount you owe and the  you a statement of the amount you owe and the  If you have a problem with the quality of property or 3. You must not yet have fully paid for the  3. You must not yet have fully paid for the  3. You must not yet have fully paid for the 
    CHARGES and other charges you owe under this services. We may charge you a reasonable  services. We may charge you a reasonable  have a reasonable opportunity to act upon it under our payment is scheduled, if you want to stop  payment is scheduled, if you want to stop  In your letter, give us the following information: services that you purchased with a credit card, and you
        services. We may charge you a reasonable  payment is scheduled, if you want to stop  date payment is due. We may then report you as  date payment is due. We may then report you as  date payment is due. We may then report you as  purchase. purchase. purchase.
    Agreement.  The cards you receive remain the property of rules, you may order a stop payment on a convenience Your name and account number. have tried in good faith to correct the problem with the
        fee for issuing replacement cards, expediting   fee for issuing replacement cards, expediting   fee for issuing replacement cards, expediting   payment on the amount you think is wrong. payment on the amount you think is wrong. payment on the amount you think is wrong. delinquent if you do not pay the amount we think  delinquent if you do not pay the amount we think  delinquent if you do not pay the amount we think 
    the Credit Union and you must recover and surrender to check drawn on your account.  We may, but shall not be     The dollar amount of the suspected error and the date. merchant, you may have the right not to pay the remaining
        delivery of your card, an expedited payment  delivery of your card, an expedited payment  delivery of your card, an expedited payment  you owe. you owe. you owe. If all of the criteria above are met and you are   If all of the criteria above are met and you are   If all of the criteria above are met and you are  
    the Credit Union all cards upon request or upon obligated to receive such order orally.  In such event, the     Describe the error and explain, if you can, why you amount due on the property or services.  There are two
        method using a service representative, providing 
    termination of this Agreement whether by you or the credit method using a service representative, providing  method using a service representative, providing  order shall be valid for only fourteen (14) days thereafter You must notify us of any potential errors in writing.  You must notify us of any potential errors in writing.  You must notify us of any potential errors in writing.  still  dissatis?ed 
                                                                                                       limitations on this right: still  still  dissatis?ed  dissatis?ed  with  with  with  the  the  the  purchase,  purchase,  purchase,  contact  contact  contact 
                                                                      believe there is an error.                                 us   us   us  
    union.  Failure to surrender your cards will result in a card photocopies and reprints that you request, and  photocopies and reprints that you request, and  photocopies and reprints that you request, and  unless confirmed in writing.  Written stop payment orders You may call us, but if you do we are not required to  You may call us, but if you do we are not required to  You may call us, but if you do we are not required to      If you need more information, describe the item you If you receive our explanation but still believe your  If you receive our explanation but still believe your  If you receive our explanation but still believe your  in writing at: in writing at: in writing at:
    recovery fee of $75 each, should you attempt to use the other special services as allowed by law. other special services as allowed by law. other special services as allowed by law. will remain in effect only six (6) months unless renewed in investigate any potential errors and you may have to  investigate any potential errors and you may have to  investigate any potential errors and you may have to  are not sure about. bill is wrong, you must write to us within 10 days  bill is wrong, you must write to us within 10 days  bill is wrong, you must write to us within 10 days  (a)  You must have made the purchase in your home
    cards.                           writing.  You have the burden of establishing the fact and pay the amount in question. pay the amount in question. pay the amount in question. Describe attempts to resolve error with the merchant. telling us that you still refuse to pay. If you do so,  telling us that you still refuse to pay. If you do so,  telling us that you still refuse to pay. If you do so,  state, or if not within your home state, within 100 miles of Member Services Member Services Member Services
      14. Amendments�We may amend or cancel this  14. Amendments�We may amend or cancel this  14. Amendments�We may amend or cancel this  amount of loss resulting from payment contrary to a we cannot report you as delinquent without also   we cannot report you as delinquent without also   we cannot report you as delinquent without also   your current mailing address; and P.O. Box 10409 P.O. Box 10409 P.O. Box 10409
    17.   Statements and Notices.  You will receive a agreement at any time by getting your consent as  agreement at any time by getting your consent as  binding stop payment.  Convenience checks are the What Will Happen After We Receive   What Will Happen After We Receive   reporting that you are questioning your bill. We  reporting that you are questioning your bill. We  Your Rights and Our Responsibilities
      agreement at any time by getting your consent as  What Will Happen After We Receive   reporting that you are questioning your bill. We  Des Moines, IA 50306-0409 Des Moines, IA 50306-0409 Des Moines, IA 50306-0409
    statement each month showing transactions on your provided by law or by giving you a notice of the  property of the Credit Union.  We reserve the right to After We Receive Your Written Notice (b)  The purchase price must have been more than $ 50.
      provided by law or by giving you a notice of the  provided by law or by giving you a notice of the  Your Letter Your Letter Your Letter must tell you the name of anyone to whom we  must tell you the name of anyone to whom we  must tell you the name of anyone to whom we 
    account.  You are responsible for your minimum monthly revoke them at anytime. You agree to return them at our
      amendments. Cards are property of the Financial  amendments. Cards are property of the Financial  amendments. Cards are property of the Financial  reported you as delinquent, and we must let those  reported you as delinquent, and we must let those  reported you as delinquent, and we must let those  While we investigate, the same rules apply to the  While we investigate, the same rules apply to the  While we investigate, the same rules apply to the 
    payment even in the event your statement is late or request.      We must acknowledge your letter within 30 days, unless These limitations do not apply if we own or operate the
      Institution and must be returned at our request. Institution and must be returned at our request. Institution and must be returned at our request. When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: organizations know when the matter has been  organizations know when the matter has been  organizations know when the matter has been  disputed amount as discussed above. After we  disputed amount as discussed above. After we 
    returned to the Credit Union.  Statements and notices will        we have corrected the error by then.  Within 90 days, we merchant, or if we mailed you the advertisement for the disputed amount as discussed above. After we 
                                        1. Within 30 days of receiving your letter, we must  1. Within 30 days of receiving your letter, we must  1. Within 30 days of receiving your letter, we must  settled between us. settled between us. settled between us. ?nish our investigation, we will tell you our decision.  ?nish our investigation, we will tell you our decision.  ?nish our investigation, we will tell you our decision. 
    be mailed to you at the most recent address you have 20.  Honest Dealing.  You will promptly notify the Credit must either correct the error or explain why we believe the property or services.
    given the Credit Union.  Notice sent to any one of you will YOUR BILLING RIGHTS:  YOUR BILLING RIGHTS:  YOUR BILLING RIGHTS:  Union of any information that affects your credit worthiness tell you that we received your letter. We will also  tell you that we received your letter. We will also  tell you that we received your letter. We will also  bill was correct. At that point, if we think you owe an amount and you  At that point, if we think you owe an amount and you  At that point, if we think you owe an amount and you 
    be considered notice to all. KEEP THIS DOCUMENT FOR FUTURE USE KEEP THIS DOCUMENT FOR FUTURE USE KEEP THIS DOCUMENT FOR FUTURE USE or ability to pay off the balance including but not limited to tell you if we have already corrected the error. tell you if we have already corrected the error. tell you if we have already corrected the error. If we do not follow all of the rules above, you do  If we do not follow all of the rules above, you do  If we do not follow all of the rules above, you do  READ AND RETAIN do not pay, we may report you as delinquent. do not pay, we may report you as delinquent. do not pay, we may report you as delinquent.
                                     a change in address or employment.  You will not apply to After we receive your letter, we cannot try to collect any not have to pay the ?rst $50 of the amount you   not have to pay the ?rst $50 of the amount you   not have to pay the ?rst $50 of the amount you  
    18.   Cross Collateral.  If cardholder has other loans from This notice tells you about your rights and our  This notice tells you about your rights and our  increase the Credit Line if you have reason to believe that 2. Within 90 days of receiving your letter, we must  2. Within 90 days of receiving your letter, we must  amount you question, or report you as delinquent. We can question even if your bill is correct. question even if your bill is correct. Revised May 2007
      This notice tells you about your rights and our  2. Within 90 days of receiving your letter, we must  question even if your bill is correct.           LS-8901  LS 5146 LS 5146
    issuer, or takes out other loans with issuer in the future, responsibilities under the Fair Credit Billing Act. you will be unable to make the scheduled payments. continue to bill you for the amount you question, including 8/15
      responsibilities under the Fair Credit Billing Act. responsibilities under the Fair Credit Billing Act. either correct the error or explain to you why we  8/15
                                         either correct the error or explain to you why we  either correct the error or explain to you why we                  8/15
    collateral securing these loans, excluding any dwellings,         FINANCE CHARGES, and we can apply any unpaid
                                         believe the bill is correct. believe the bill is correct. believe the bill is correct.
    will also secure the Cardholder�s obligations under this          amount against your credit limit.  You do not have to pay
    agreement. Cardholder agrees to pay all costs incurred by To find out about changes in the information in this any questioned amount while we are investigating, but you
    issuer in collecting Cardholder�s indebtedness or in application, write us at IH Mississippi Valley Credit Union, are still obligated to pay the parts of your bill that are not in G10107
    enforcing this agreement, including attorney�s fees as may 2121 47th Street, Moline, IL 61265. Residents of Illinois question.                              C9622
           CARDHOLDER AGREEMENT        up to your credit limit. Your promise to pay continues to  ?rst to the Account balance with the highest APR,  �  Obtaining money orders, travelers checks,  apply the balance in these accounts to any amounts 
                                       apply even if the amount due exceeds your credit limit.  and then to each consecutive Account balance  foreign currency, lottery tickets, casino chips,  due. Shares and deposits in an Individual Retirement 
      De?ned  terms�The  following  terms  have  de?- Obtaining credit in excess of your credit limit does not   bearing the next highest APR, at the time payment is  vouchers redeemable for cash or similar items. Account, and any other account that would lose 
      ned meanings in this agreement: �Account� means  increase your credit limit. We can change your credit  posted to your Account. Payments on your Account  �  Balance Transfers, if identi?ed as cash  special tax treatment under state or federal law if 
      the credit Account regulated by this agreement,  limit at any time to any amount (including zero). We  that do not exceed the minimum payment due will be  advances on your Approval Letter given  as  security,  are  not  subject  to  the  security 
      �Card� means the plastic cards issued under this  will state the new credit limit on your next monthly  applied in the following order: ?nance charges, fees,  interest you have given in your shares and deposits.
      agreement, including the numbers printed on the- statement.      any applicable installment balance minimum amount  8. Annual fee�The annual fee, if there is one, on 
      se plastic cards; �we,� �us� and �our� mean the                  due that is calculated separately from the minimum  the Account is stated in the enclosed disclosure  11.  International  transactions�When you use 
      ?nancial  institution  appearing  on  the  face  of  a  3.  Purchases  and  cash  advances�You may  payment due, the Account balance with the lowest  table. The annual fee is payable whether or not you  your Card for a transaction denominated in a 
      Card; �you� and �your� mean anyone who signs an   use your Card, up to your credit limit, to buy or  APR,  then  to  each  consecutive Account  balance  use the Card. currency other than U.S. dollars, the transaction 
      application for this Account or is a guarantor of this  lease goods, services or insurance wherever the  bearing the next lowest APR at the time payment is  amount will be converted into U.S. dollars by 
      Account; and �Approval Letter� means our letter to  Card is honored. You may also use your Card to  posted to your Account. 9. Liability for unauthorized use�If you notice the  applying an exchange rate selected by the Card 
      you approving your application and describing some  get  a  cash  advance  from  participating  ?nancial    loss or theft of your Card or a possible unauthorized  Association from among the range of rates  
      of the terms of the Account (the �Approval Letter�  institutions. However, you agree not to use your  6.  Balance  Computation  Method�We  ?gu- use of your Card or Account, you should write to us  available in wholesale currency markets or the 
      which is part of the agreement). Card for any transaction that is illegal under   re the interest charge on your account by apply- immediately at: P.O. Box 10409, Des Moines, IA  government-mandated rate on the date the 
                                       applicable federal, state or local law, and you   ing the  periodic rate, as stated in the enclosed  50306-0409, or call us at 1-800-234-5354. You will  transaction is processed. The rate chosen may 
      By signing, using or activating a Card, you   understand that any such use will constitute an  disclosure table, to the �average daily balance� of  not be liable for any unauthorized use that occurs  vary from the rate the Card Association itself 
      accept the terms and conditions of this agreement  event of default under this agreement. We are  your account. To get the �average daily balance� we  after you notify us. You may, however, be liable for  receives. When you use your Card in a 
      and of the Approval Letter. If any provision of this   not responsible for the refusal of anyone to honor   take the beginning balance of your account each  unauthorized use that occurs before your notice  transaction outside of the United States to make a 
      agreement is determined to be unlawful, the rest  your Card.     day, add any new purchases/advances/fees, and  to us. However, if you exercise reasonable care in  purchase, obtain a cash advance, obtain a credit 
      of the agreement will stand and the unlawful                     subtract  any  unpaid  interest  or  other  ?nance   safeguarding your card from risk of loss or theft and,  voucher, or reverse any of these transactions, a 
      provision will be deemed amended to conform to  4.  Monthly  statements�We will send you a   charges and any payments or credits. This gives  upon discovering the loss or theft promptly report  ?nance charge equal to two percent of the amount 
      applicable law. All Cards are our property and must  statement at the end of each billing cycle in which  us the daily balance. Then, we add up all the dai- the loss or theft to us, you will not be liable for any  of the transaction (expressed as a positive 
      be returned to us immediately according to our   the Account has a balance. The due date for your  ly balances for the billing cycle and divide the total   unauthorized transactions. In any case, your liability  number) will be assessed against your Account. 
      instructions, and we may repossess a Card at any  payment will be 25 days after the last day covered  by the number of days in the billing cycle. This gives  will not exceed $50. The foreign transaction Fee is imposed on the 
      time in our sole discretion.     by the statement.               us the �average daily balance.�                                  date of the transaction. Interest does not accrue on  
                                                                                                        10. Default�You will be in default if you fail to make  the foreign transaction fee. �Card Association� 
      1.  Promise  to  pay�You agree to pay us the  5.  Payments�You agree to make the minimum  7.  Cash  advance  fee�Cash advances are  any minimum payment or other required payment by  means either VISA International or MasterCard  
      total amount of purchases, cash advances, ?nance  monthly payments that are described in the Approval  subject  to  the  cash  advance  fee  stated  in  the  the date that it is due. You also will be in default if  International.
      charges or other fees or charges which arise from  Letter, and to make all payments on this Account at  enclosed disclosure table. The cash advance fee  you violate any other provision of this agreement and 
      use of a Card by you or any other person, unless  the address speci?ed on your monthly statement. We  is a ?nance charge and is imposed on the date of  such violation materially impairs the prospect of you  12.  Credit  reporting�You authorize us to  
      the other person does not have actual, implied, or  may accept late payments, partial payments, post- the cash advance. Interest does not  accumulate on  paying the amount due on the Account. Upon default,  obtain credit reports on you when opening, renewing 
      apparent authority for such use and you receive no  dated checks, or any form of payment containing a  this fee. The following transactions will be treated as  we may demand immediate payment of the entire  or reviewing your Account, and you authorize us to 
      personal bene?t from the use. You agree to be jointly  restrictive endorsement, without losing any of our  cash advances: amount due on the Account and we may enforce our  disclose information regarding your Account to credit 
      and severally liable with anyone else who has made  rights under this agreement. Our acceptance of  �  Using your Card to obtain cash from a   right to this payment as permitted by law. bureaus and other creditors who may inquire of us 
      the same promise.                checks or money orders labeled �payment in full� or  participating Automated Teller Machine (�ATM�); about your credit standing. If you think we reported 
                                       words to that effect, will not constitute an accord and  �  Using your Card to obtain cash from a   You grant us a security interest in all individual and  erroneous information to a credit reporting agency, 
      2. Credit limit�Your credit limit is stated on the credit  satisfaction nor a waiver of any rights we have to  participating ?nancial institution; joint share and/or deposit accounts you have with  write us at the Cardmember Service address on 
      card carrier, as well as on your monthly statement.  receive full payment. Payments on your Account that  �  Using a convenience check drawn on the   us now and in the future to secure your credit card  your billing statement. We will promptly investigate 
      You promise to make purchases and cash advances only  exceed the minimum payment due will be allocated  Account; account. When you are in default, you authorize us to  the matter and, if we agree with you, we will contact