University Federal Credit Union
PO BOX 9350, Austin, Texas 78766
512-467-8080 or 800-252-8311
www.ufcu.org

CREDIT CARD AGREEMENT

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  UNIVERSITY FEDERAL CREDIT UNION  OR  ITS  SUCCESSORS.  BY USING
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN APPLY
YOUR SHARES TO THE AMOUNT YOU OWE.
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other
account that would lose special tax treatment under state or federal law if
given are not subject to this security interest.
If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also
secure your obligations under this Agreement, unless that other collateral
is your principal residence or non-purchase money household goods.

Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from  any
merchant who honors your Card, and you may obtain cash advances from financial
institutions and ATM machines that accept the Card, up to 25% of your credit limit.
You agree not to present your Card or obtain a cash advance for any extension of
credit in excess of your available credit limit; however, if you do exceed your credit
limit, you agree to make immediate payment sufficient to bring the balance below the
credit  limit.  Certain  purchases  and  cash  advances  require  authorization  prior  to
completion  of  the  transaction.  In  some  cases,  you  may  be  asked  to  provide
identification.  If  our  system  is  not  working,  we  may  not  be  able  to  authorize  a
transaction,  even  though  you  have  sufficient  credit  available.  Also,  for  security
reasons, we may block the use of your Card in certain countries or geographic areas,
or if we suspect fraud. We will have no liability to you or others if any of these events
occur.
Account  Updating  Service.  The  credit  card  payment  processing  network  (e.g.,
Visa)  in  which  we  participate  has  an  account  updating  service  in  which  your  card
may  be  enrolled.  When  your  card(s)  expire,  are  lost  or  stolen  and  new  cards  are
issued, the service may update your card data such as card numbers and expiration
dates to the processing network’s database. Participating merchants to whom you
have  authorized  recurring  payments  may  access  this  database  in  an  attempt  to
facilitate  uninterrupted  processing  of  your  recurring  charges.  Updates  are  not
guaranteed  to  be  made  before  your  next  payment  is  due  and  not  all  merchants
participate  in  the  service;  it  is  your  responsibility  to  make  your  payments  until
recurring payments can be resumed. This service may be provided as a free benefit
to  you.  University  Federal  Credit  Union  has  no  responsibility  for  the  accuracy  or
timeliness of the account updating service or its database. If at any time you wish to
opt-out  of  the  account  updating  service  or  if  you  have  any  questions,  please  call
(800) 252-8311 to do so.
Personal  Identification  Number  (PIN).  We  may  issue,  or  you  may  select  a
Personal Identification Number (PIN) for use with your Card. This PIN is confidential
and  should  not  be  disclosed  to  anyone. You  may  use  your  PIN  and  your  Card  to
access your account, and all sums advanced will be added to your account balance.
In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms
and conditions of your Electronic Funds Transfer Agreement may affect your rights.
Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash
advances, and balance transfers made by you or anyone whom you authorize to use
the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or  fees;  and  (c)  credit  in
excess of your credit limit that we may extend to you. If the Wisconsin Consumer Act
does not apply to your Card, the following applies: If you do not make any payment
on  your  card  when  it  is  due,  you  promise  to  pay  all  reasonable  collection  costs,
including attorney fees, court costs, and other fees. If the Wisconsin Consumer Act
applies to this Card, the following applies: If you default on your Card and if you fail to
cure that default, you promise to pay us any reasonable default charges specifically
authorized  by  the  Wisconsin  Consumer Act,  and  any  other  costs  or  expenses  of
collection allowed by a court of competent jurisdiction.
Illegal Transactions. You agree that your Card and account will not be used to make
or  facilitate  any  illegal  transactions  as  determined  by  applicable  law;  and  that  any
such use will constitute an event of default under this Agreement. We may decline
any transaction that we believe to be illegal under applicable law, including but not
limited to any transaction involving or relating to any gambling activity. You agree that
we will have no liability or responsibility for any such use by you or any authorized
user(s); or for declining any such transaction. You further agree to indemnify and hold
us  harmless  from  any  suits,  liability,  damages  or  adverse  action  of  any  kind  that
results directly or indirectly from such illegal use. You promise to pay us any and all
amounts  owing  on  your  Card  for  any  transactions  made  by  you,  even  if  the
transaction is determined to be illegal.

Joint  Accounts.  Each  of  you  will  be  responsible,  jointly  and  severally,  for  the
repayment of amounts owed, regardless of who initiated any transaction under the
account.
Others Using Your Account. If you allow anyone else to use your account, you will
be liable for all credit extended to such persons. You promise to pay for all purchases
and advances made by anyone you authorize to use your account, whether or not
you notify us that he or she will be using it. If someone else is authorized to use your
account and you want to end that person's privilege, you must notify us in writing, and
if he or she has a Card, you must return that Card with your written notice for it to be
effective.
Ownership of Card. Your Card remains our property and may be cancelled by us at
any time without notice. We may reduce your credit limit at any time without further
notice  to  you  unless  required  by  law.  You  agree  to  surrender  your  Card  and  to
discontinue use of the account immediately upon our request.
Releasing Person from Account Liability. We may release a Joint Account owner,
authorized user, or other user from liability at any time and in our sole discretion. We
are not bound by any terms of a divorce decree including those that allocate liability
for the Account between ex-spouses.
Electronic Communications. You authorize Us to contact You using any wireless,
cellular,  mobile  or  other  telephone  number  You  have  provided  to  Us  on  Your
membership  application,  and  at  any  wireless,  cellular,  mobile  or  other  telephone
number  You  may  furnish  to  Us  or  We  may  obtain  for  You  in  the  future.  We  may
contact You using any electronic means We choose, which may include but is not
limited to, voice messages, text messages and other similar electronic methods of
communication.  If  you  have  furnished  Us  with  any  e-mail  address(es),  you
understand  and  agree  that  We  may  send  You  e-mail  messages  regarding  Your
Account(s)  with  Us  from  time  to  time.  If  you  have  or  subsequently  enter  into  any
separate  consent  to  receive  electronic  documentation  form,  any  communications
covered by such disclosure and consent shall be subject to the terms and conditions
set forth in that disclosure and consent.
You  understand  that  the  nature  of  electronic  communications  is  such  that  anyone
with access to Your wireless, cellular, mobile or other telephonic device or e-mail may
be able to read or listen to such transactional or relationship messages from Us, and
You agree that any person or party sending or leaving such messages shall have no
liability for any consequences resulting from the interception of such messages by
any other party. Without limitation, You also agree that You are responsible to pay all
costs that You may incur as a result of any contact method We choose including, but
not limited to, charges for telecommunications, wireless and/or Internet charges.
Interest  Charges.  You  agree  to  pay  interest  at  the  rate(s)  disclosed  to  you  at  the
time you open your account and as may be changed from time to time in accordance
with  applicable  law. Average  Daily  Balance  including  new  transactions: Interest
Charges will accrue on your average daily balance outstanding during the month. To
get  the  average  daily  balance,  we  take  the  beginning  balance  each  day,  add  any
new purchases, cash advances, balance transfers or other advances, and subtract
any payments, unpaid interest charges, and unpaid late charges. This gives us the
daily balance. Then, we add up all the daily balances for the billing cycle and divide
that by the number of days in the billing cycle. We then multiply that by the periodic
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you  have
different rates for purchases, cash advances or balance transfers, separate average
daily balances for each will be calculated and the appropriate periodic rate is then
applied to each.
Grace  Period  on  Purchases  and  Balance  Transfers  Only:  You  can  avoid  Interest
Charges on purchases and balance transfers by paying the full amount of the new
balance for purchases and balance transfers each month by the date on which the
payment  is  due.  Otherwise,  the  new  balance  of  your  account,  and  subsequent
advances from the date they are posted to the account, will be subject to an Interest
Charge. You cannot avoid Interest Charges on cash advances; even if you pay the
entire  cash  advance  balance  by  the  payment  due  date,  you  will  incur  the  Interest
Charges accrued from the date the cash advance is posted to your account.
Fees. In addition to the Interest Charges set forth above, you agree to also pay any
and all fees that you incur as disclosed to you on your Truth-in-Lending Disclosure
Statement  or  similar  disclosures  (as  may  be  amended  from  time  to  time),  or  as
disclosed to you during the term of your Card.
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to
notify us immediately if your Card is ever lost or stolen or if an unauthorized use may
have occurred. "Unauthorized use" means the use of the Card by someone other
than you who does not have actual, implied or apparent authority for such use, and
from which you receive no benefit. The telephone number to call is (800) 252-8311.
You agree to follow up your call with notice in writing to us at: PO Box 9350, Austin,
TX 78766. You also agree to assist us in determining the facts, circumstances and
other pertinent information relating to any loss, theft or possible unauthorized use of

9011 LASER FPDF FI19608 Rev 10-2018

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  UNIVERSITY FEDERAL CREDIT UNION  OR  ITS  SUCCESSORS.  BY USING
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

your Card and comply with such procedures as we may require in connection with
our investigation. You will be liable for any unauthorized use only if we can prove
that you were grossly negligent in your use or handling of your Card, or if we can
prove that you used your Card fraudulently.
Minimum  Payment  Calculation.  2.5%  of  the  outstanding  balance  subject  to  a
minimum  of  $10.00.  Plus  any  amount  past  due  and  any  amount  by  which  You
have exceeded Your applicable credit limit. It your total New Balance is less than
$10.00 , then Your Minimum Payment Due is the amount of the total New Balance.
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the
amount  and  on  the  date  disclosed  on  your  billing  statement.  If  your  payment  is
received by us on a business day at the address and by the date designated on
the billing statement, it will be credited to your account on the date of receipt. If
payment  is  made  at  any  location  other  than  the  address  designated  on  the
periodic  statement,  credit  for  such  payment  may  be  delayed  up  to  five  (5)  days.
Payments will be applied in any order we determine, subject to applicable law.
Default;  Acceleration;  Credit  Suspension;  Collection  Costs.  The  following
provision applies to borrowers in Idaho, Kansas, and Maine: You will be in default
if  (1)  you  do  not  make  a  payment  of  the  required  amount  when  due;  or  (2)  we
believe the prospect of payment, performance, or realization on any property given
as security is significantly impaired.
Wisconsin  Consumer Act:  If  the  Wisconsin  Consumer Act  applies  to  your  Card,
you will be in default if any of the following occur: (a) You fail to make a payment
when due on two (2) occasions within any 12-month period; OR (b) You breach
any term or condition of this Card, which breach materially impairs your ability to
pay amounts when due or materially impairs the condition, value, or protection of
your rights to or in any collateral securing this transaction.
Right  to  Cure  Default:  If  the  Wisconsin  Consumer Act  applies  and  if  you  are  in
default  under  this  Card,  we  must  give  a  notice  of  default  to  you  pursuant  to
Wisconsin  Statutes  sec.  425.104  and  425.105.  You  shall  have  fifteen  (15)
calendar days from the date the notice is mailed to you to cure the default. In the
event of an uncured default, we shall have all the rights and remedies for default
provided under the Wisconsin Consumer Act, Uniform Commercial Code, or other
applicable law, including, but not limited to, the right to repossess any collateral.
No Right to Cure: Pursuant to Wis. Stat. Sec. 425.105(3), you shall not have the
right  to  cure  a  default  if  the  following  occur  twice  during  the  preceding  twelve
months: (a) You were in default on the Line; (b) we gave you notice of the right to
cure such previous default in accordance with Wis.Stat. Sec. 425.104; and (c) You
cured the previous default.
The following applies to all other cardholders: you will be in default if: (1) you fail to
make any payment on time; (2) if you fail to keep any promises you have made
under this Agreement or under other Agreements you have with us; (3) if you die;
(4)  if  you  file  a  petition  in  bankruptcy  or  have  a  bankruptcy  petition  filed  against
you,  or  if  you  become  involved  in  any  insolvency,  receivership  or  custodial
proceeding; (5) if anyone attempts to take any of your funds held by us via legal
process or if you have a judgment or tax lien filed against you; (6) if you make any
false,  inaccurate,  or  misleading  statements  in  any  credit  application  or  credit
update; or (7) if we, in good faith, believe that your ability to repay what you owe is
or soon will be impaired, or that you are unwilling to make your payments.
If you are in default, we have the right to demand immediate payment of your full
account  balance  without  giving  you  notice.  If  immediate  payment  is  demanded,
you  agree  to  continue  paying  interest  charges  and  fees  until  what  you  owe  has
been paid, and any shares that were given as security for your account may be
applied towards what you owe. You agree to pay all reasonable costs of collection,
including court costs and attorney's fees, and any costs incurred in the recovery of
the Card, subject to applicable law. 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.
Suspension of electronic services and access to share or deposit accounts.
Subject  to  applicable  law,  we  may  suspend  some  or  all  electronic  services  and
access to your checking or other account(s) if you become delinquent on any of
your credit card or deposit obligations to us or you cause a loss to us. We shall not
be liable to you in any regard in connection with such suspension of services.
Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional  services  to  your Account  at  no  additional  cost  to  you. You  understand
that we are not obligated to offer such services and may withdraw or change them
at any time.
Convenience Checks. We may, at our discretion, issue checks to you which may
be used for any purpose other than making a payment for credit to your account.
By signing such check, you authorize us to pay the item for the amount indicated
and post such amount as a cash advance to your account. We do not have to pay
any item which would cause the outstanding balance in your account to exceed
your credit limit.
Credit Information. We may from time to time request personal information from
you or obtain credit reports from the credit reporting agencies for the purpose of
updating your credit status. Your failure to provide such information when

requested  by  us  may  result  in  suspension  of  credit  privileges  under  this
Agreement, including your ability to obtain any future advances by any means.
You authorize us to investigate your credit standing when opening or reviewing
your account. You authorize us to disclose information regarding your account to
credit bureau and creditors who inquire about your credit standing.
Foreign Transactions; Currency Conversion. Purchases and cash advances
made in foreign currencies will be billed to you in U.S. dollars. The conversion
rate in dollars will be a rate selected by the card company from a range of rates
available  in  wholesale  currency  markets  for  the  applicable  central  processing
date, which rate may vary from the rate the card company itself receives, or the
government-mandated rate in effect for the applicable central processing date in
each  instance. All  transactions  processed  outside  of  the  United  States  (which
may include internet transactions) will be charged a foreign transaction fee in the
amount disclosed on your Truth-in-Lending Disclosure Statement (as amended
from time to time).
Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this
Agreement  by  written  notice.  Termination  by  either  party  shall  not  affect  your
obligation to repay any balance on your account resulting from use of the Card
as well as Interest Charges and fees incurred. We may change the terms of this
Agreement, including the method of calculating the periodic rate, at any time, by
written notice, subject to applicable law. Use of the Card constitutes agreement
and  acceptance  of  any  change  in  terms,  unless  applicable  law  requires
otherwise. Our failure to exercise any of our rights or to take any action shall not
constitute  a  waiver  of  those  rights,  or  an  amendment  or  change  in  any  of  the
terms of this Agreement.
Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your
balance will increase your total interest costs. Partial payments or prepayments
will  not  delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your
account  current.  We  may  accept  late  payments,  partial  payments,  checks  or
money orders marked "payment in full" and such action shall not constitute final
settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  amounts  owing
under this Agreement.
Enforcement. We do not lose our rights under this or any related agreement if
we  delay  enforcing  them.  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.
Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card  may
give credit for returns or adjustments, and they will do so by submitting a credit
slip which will be posted to your account. If your credits and payments exceed
what you owe us, the amount will be applied against future purchases and cash
advances. If the credit balance amount is $1 or more, it will be refunded upon
your written or verbal request.
Merchant Disputes. We are not responsible for the refusal of any merchant or
financial institution to honor your Card. Also, we are not responsible for goods or
services that you purchase with the Card unless: (a) your purchase was made in
response to an advertisement we sent or participated in sending you; or (b) your
purchase cost more than $50 and was made from a merchant in your state or
within 100 miles of your home; and only if you have made a good faith attempt,
but  have  been  unable  to  obtain  satisfaction  from  the  merchant;  or  (c)  your
purchase has been paid in full. You must resolve all other disputes directly with
the  merchant.  We  do  not  warrant  any  merchandise  or  services  purchased  by
you with the Card.
Statements and Notices. Statements and notices will be mailed to you at the
most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to  receive
such  documents  via  electronic  means)  you  have  given  us.  Notice  sent  to  any
one of you will be considered notice to all.
Notification of Address Change. You will notify us promptly if you change your
address for any reason. In order to prevent identity theft, your identity may need
to be verified before we act upon the notification.
Copy Received. By your signature on the Loan Application, you acknowledge
that you have received a copy of this Agreement.
Governing Law. This Agreement shall be construed under federal law and state
law in the state of Texas, and the venue shall be located in Travis County, Texas.
Operating regulations of Visa® may also apply. This Agreement is the contract
that  applies  to  all  transactions  even  though  the  sales,  cash  advance,
convenience  check,  credit  or  other  slips  you  sign  or  receive  may  contain
different terms.
NOTICE TO UTAH BORROWERS: This written agreement is a final expression
of  the  agreement  between  you  and  the  Credit  Union.  This  written  agreement
may not be contradicted by evidence of any oral agreement.

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IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  UNIVERSITY FEDERAL CREDIT UNION  OR  ITS  SUCCESSORS.  BY USING
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

NOTICE FOR COSIGNERS IN ARIZONA:
Marital  Community  Property  Joinder:  If  you  are  a  married  Arizona  resident
signing  documents  in  connection  with  this  loan  as  a  cosigner,  your  signature
confirms that this loan obligation is being incurred in the interest of your marriage
or family and that you will promptly notify your spouse and cause your spouse to
consent  to  your  and  your  spouses  marital  property  being  bound  by  your  loan
obligations  in  accordance  with Ariz.  Rev.  Stat.  §  25-214  or  other  applicable  law.
You  agree  that  the  lender  may  delay  disbursing  your  loan  until  the  lender  has
received your spouses consent in a form reasonably acceptable to the lender. You
further affirm that no provision of any marital property agreement or court decree
adversely affects your or lenders interest in this loan obligation.

NOTICES  TO  WISCONSIN  BORROWERS:  (1)  If  you  are  married  and  are
extended  individual  credit,  Wis.  Stat.  766.56(3)(b)  requires  us  to  notify  your
spouse of the extension of credit. If we receive written notice of termination from
your spouse pursuant to Wis. Stat. Section 766.565(5), we may declare you in
default  of  the  Plan  and  call  the  entire  extension  of  credit  due  and  payable
notwithstanding  Wis.  Stat.  Sections  425.103  and  425.105.  If  the  Plan  is  called
due  and  payable,  you  may  have  certain  rights  to  cure  the  default.  (2)
Additionally,  no  provision  of  a  marital  property  agreement,  a  unilateral
agreement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70
adversely affects our interests unless prior to the time the credit is extended, we
are  furnished  with  a  copy  of  the  agreement  or  statement,  or  have  actual
knowledge of the adverse provision when the obligation is incurred.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent
(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement
and apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty
member of the military or a dependent:
1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  or  participation  fee  unless  they  are  bona  fide  and
reasonable under the MLA.

2. Advances  will  not  be  secured  by  a  consensual  lien  on  shares  or  deposits  in  any  of  your  share  or  deposit  accounts  unless  you  specifically  agree  to
establish  a  secured  share  or  deposit  account  in  connection  with  this  credit  card  account  (“Secured Account”).  Only  funds  deposited  into  the  Secured
Account after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents
will not apply to the Secured Account or your other share or deposit accounts for this account.
However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.
Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.

3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card

account does not apply.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the address(es)
listed on your statement.
In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While  you  do  not  have  to  pay  the  amount  in  question,  you  are
responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or any
interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in
question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement of the amount you owe and the date payment is due. We may then
report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we
cannot  report  you  as  delinquent  without  also  reporting  that  you  are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased
with your credit card, and you have tried in good faith to correct the problem
with  the  merchant,  you  may  have  the  right  not  to  pay  the  remaining  amount
due on the purchase.
To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at the address(es) listed on your statement.
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

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