Visa Platinum Credit Card  
Account Disclosures 

17151 Chesterfield Airport Rd. 
Chesterfield, MO 63005 
PH: 636-728-3333 
TF: 800-767-8880 
firstcommunity.com 

Annual Percentage Rate (APR) 
for Purchases, Balance  
Transfers and Cash Advances 

How to Avoid Paying Interest  
on Purchases 

INTEREST RATES AND INTEREST CHARGES 

7.90% 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge any interest on the portion of the purchases balance that you pay by 
the due date each month. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  

Annual Fee 

Transaction Fees 

  Foreign Transaction Fee 

FEES 

None 

1% of the US dollar amount of the foreign transaction 
This fee applies to any credit card transaction where the merchant country is 
different from the country of the card issuer, regardless of whether a currency 
conversion is performed and even if you initiate the transaction from within the 
United States. 

Penalty Fees 

  Late Payment Fee 

  Returned Payment Fee 

Up to $10.00  
Up to $10.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases).  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement 

Periodic Rate:  The periodic rate that corresponds to the APR shown above is: 0.0216%.   

These Account Disclosures for your Credit Card are part of and integrated with your Credit Card Agreement with First Community  
Credit Union. We reserve the right to amend the Credit Card Agreement as permitted by law.   

© 2021 Farleigh Wada Witt. All rights reserved. 

CC Acct• 07-01-21  1 

 
 
 
 
 
 
 
 
 
 
 
Visa Platinum Credit Card  
Account Agreement 

17151 Chesterfield Airport Rd. 
Chesterfield, MO 63005 
PH: 636-728-3333 
TF: 800-767-8880 
firstcommunity.com 

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. 

This  Credit  Card  Account  Agreement  ("Agreement")  and  the  Ac-
count  Disclosures  ("Account Disclosure")  given  to  you  when  you 
opened your Card account ("Account") will govern your Credit Card 
and Account issued by First Community Credit Union ("Credit Un-
ion"). 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 First Community Credit Union. The word 
"Card" means any one or more credit cards issued under this Ac-
count. 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 appar-
ent  authority  for  such use,  and  you  received  no  benefit  from  the 
use. You promise to pay us either by check or other form of direct 
payment or by automatic transfers from shares or by payroll deduc-
tion. 
2.   Account Access 
a.  Purchases, Cash Advances, and Balance Transfers  
You  must  sign  and  activate  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 participating networks 
ATMs. 
b.  Convenience Checks  
If  we  approve,  you  may  obtain  advances under  your  Account  by 
writing preprinted 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 per-
son 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  infor-
mation, 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 Ac-
count 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 check is post-dated. A convenience check may 
not be used to make a payment on your 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 Line. 
3.   Credit Line 
If we approve your application, this Agreement will constitute a re-
volving  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 ob-
tain 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 yet 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 separate 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 termi-
nated 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 force 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 bal-
ance. You agree that you will pay each month not less than the min-
imum monthly payment on or before the closing date. The minimum 
monthly payment will be the greater of $10 or 2.0% of your outstand-
ing balance shown on your statement ("New Balance"). If your out-
standing balance is less than $10, you agree to pay the balance in 
full. In addition to the minimum monthly payment, you agree to pay 
any  "Overlimit  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,  drafts,  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 allocated at the 
Credit Union's discretion to pay off lower rate balances, such as pro-
motional offers, before higher rate balances, such as cash advances 
or purchases. Payments in excess of the minimum monthly payment 
will  be  allocated  first  to  higher  rate  balances,  as  applicable.  From 
time to time, we may allow you to skip your minimum monthly pay-
ment due. If you choose to skip that payment, Interest Charges will 
continue to accrue in accordance with this Agreement. Payments re-
ceived at: P.O. Box 1030, Chesterfield, MO 63006-1030, on or be-
fore 5:00 PM Central Time on any business day will be credited to 
your Account as of that date; payments received by mail at that ad-
dress after 5:00 PM Central Time or on a weekend will be posted to 
your Account as of the next business day. 

© 2021 Farleigh Wada Witt. All rights reserved. 

CC Acct• 07-01-21  2 

 
 
 
 
 
First Community Credit Union  Credit Card Account Agreement 

 Security Interest 

5. 
By signing your application, to secure your Account, you grant us 
a  purchase  money  security  interest  under  the  Missouri  Uniform 
Commercial  Code  in  any  goods  you  purchase  through  your  Ac-
count. If you default, we will have the right to recover any of these 
goods that have not been paid for through application of your pay-
ments 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  Retirement  Accounts 
and Keogh Accounts) with the Credit Union to secure your Account 
and agree, upon default, the Credit Union may apply all that is se-
cured to pay any amounts due under this Agreement, without fur-
ther  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,  pay-
ments, 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 Pay-
ment 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.   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  pe-
riod, 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 bal-
ance 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 in-
cluded in the New Balance that is not paid by the due date. Interest 
Charges will not be imposed on purchases posted during a billing 
cycle if your balance was zero (or a credit balance) at the end of the 
previous billing cycle, or if you paid the entire “New Balance” shown 
on your last periodic statement by its due date. This "grace period" 
allows you to avoid an Interest Charge on purchases for a billing pe-
riod.  However,  if  you  do  not  pay  the  New  Balance  for  purchases 
within the grace period, your Interest Charge will accrue on any un-
paid purchase transactions from the first day of the billing period in 
which the payment is due and on new purchase transactions from 
the date of the transaction. 
8.  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  multiplying  that 
amount by the number of days in the billing cycle. To get the "Av-
erage Daily Balance" we take the beginning balance of your Ac-
count each day, add any new purchases or cash advances, and 
subtract any payments or credits, unpaid Interest Charge and un-
paid late charges. 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 "Av-
erage Daily Balance."  To get the "Daily Periodic Rate," we divide 
the Annual Percentage Rate in effect for the billing period by 365. 
9.  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 set forth in the Account 
Disclosure that accompanies, and is a part of, this Agreement. The 
Annual Percentage Rate is divided by 365 to obtain the Daily Peri-
odic Rate. 
b.  Introductory or Promotional Rates 
At our discretion, we may offer you an introductory or promotional 
Annual Percentage Rate for your Account. Any introductory or pro-
motional  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 promo-
tional Annual Percentage Rate is in effect in the Account Disclo-
sure or in other materials that we send to you about the offer after 
you receive your Credit Card. 
10.  Conditions under Which Other Charges May  

Be Imposed 

You agree to pay the following fees and charges on your Account. 
All fees and charges will be added to your purchase balance and 
will accrue interest charges at the same rate that applies to your 
purchase balance. 
a.  Balance Transfer Fee 
You  will  pay  a  fee  of  $10  or  4.0%  of  the  amount  of  the  balance 
transfer, whichever is greater. 
b.  Late Fee 
If any payment is not made on or before 14 days after its due date, 
you will pay a late fee. If your minimum payment is $25.00 or less, 
the fee will equal 5.0% of the payment amount. If your minimum 
payment is more than $25.00, the fee will equal the lesser of $10 
or 5.00% of the payment amount. 
c.  Returned Item Fee 
If any check, draft, or electronic payment 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 $10 (or the amount of the 
payment, whichever is less). 
d.  Rush Fee 
If  you  ask  and  we  agree  to  deliver  your  card  by  an  expedited 
method, you will pay a fee of $20. 
e.  International/Foreign Transaction Fee 
You  will  be  charged  a  Foreign  Transaction  Fee  (FINANCE 
CHARGE) of up to 1% of the transaction amount (in U.S. dollars) 
for  all  foreign  transactions,  including  purchases,  cash  advances 
and  credits  to  your  account.  A  foreign  transaction  includes  any 
transaction where the merchant country is different from the coun-
try of the card issuer, regardless of whether a currency conversion 
is performed. This includes any transaction made in a foreign cur-
rency  or  made  in  U.S.  dollars  if  the  transaction  is  made  or  pro-
cessed  outside  of  the  U.S.  For  example,  if  you  make  an  online 
transaction in the U.S. with a merchant who processes the trans-
action in a foreign country, you will be assessed a Foreign Trans-
action Fee. All fees are calculated based on the transaction amount 
after it is converted to U.S. dollars. 
f.  Copy Fee 
You will pay $2.50 for each copy of a statement or other document. 
g.  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 reason-
able 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 

© 2021 Farleigh Wada Witt. All rights reserved. 

CC Acct• 07-01-21  3 

 
First Community Credit Union  Credit Card Account Agreement 

costs may be added to your Account balance and will bear interest 
at the Annual Percentage Rate in effect at that time. 
11. Conditions of Card Use 
The use of your Card and Account are subject to the following con-
ditions: 
a.  Use  
Your Card and Account may be used only for valid and lawful pur-
poses. 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 trans-
action 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 termi-
nate  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  instruc-
tions. The Card may be repossessed at any time in our sole dis-
cretion 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 instru-
ment 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 Ac-
count in lieu of a cash refund. 
d.  Currency Conversion 
1) Visa. Transactions that are initiated in foreign countries or for-
eign currencies will be billed to you in U.S. dollars. The exchange 
rate between the transaction currency and the billing currency used 
for processing international transactions is a rate selected by Visa 
from a 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.  The  exchange 
rate used on the processing date may differ from the rate that would 
have  been  used  on  the  purchase  date  or  cardholder  statement 
posting date. 
2) MasterCard. Transactions that are initiated in foreign countries 
or foreign currencies will be billed to you in U.S. dollars. The ex-
change rate used to convert foreign currency transactions to U.S. 
dollars is either a government-mandated exchange rate or a whole-
sale exchange rate and is selected by MasterCard. The rate Mas-
terCard uses for a particular transaction is the rate MasterCard se-
lects  for  the  applicable  currency  on  the  day  the  transaction  is 
processed. This rate may differ from the rate applicable on the date 
the transaction occurred or was posted to your account. 
e.  Notices and Payments  
All notices will be sent to your address as shown in the application. 
You agree to advise us promptly in writing if you change your mail-
ing 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  re-
ceived. Written notices and inquiries to us must be sent to: 
First Community Credit Union  
P.O. Box 1030 
Chesterfield, MO 63006-1030 

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 num-
bers 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  dis-
close or otherwise make available your PIN to anyone not author-
ized 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. 
12.  Loan Protection 
Loan Protection coverage is not required for any extension of credit 
under this Agreement. However, you may purchase any loan pro-
tection  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. 
13.  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 immedi-
ately due and payable, and you agree to pay that amount plus any 
attorney's fees and costs as set forth in Section 10 above, including 
fees  and costs  in  any appeal or  bankruptcy proceeding. We  can 
delay enforcing any right under 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. 
14.  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 Missouri. 
15.  Severability 
If any provision of this Agreement is held invalid, the remaining pro-
visions that are severable shall remain in effect. 
16.  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 unau-
thorized use of your card. You will not be liable for unauthorized 
use which occurs after you notify:  First Community Credit Union, 
P.O.  Box  1030,  Chesterfield,  MO  63006-1030,  Telephone:  (800) 
610-0791, orally or in writing of loss, theft, or possible unauthorized 
use. In any case, your liability shall not exceed $50. 
17.  Credit Information/Financial Statements 
You authorize us to release information to others (e.g., credit bu-
reaus,  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 investi-
gate your credit directly or through a credit reporting agency. 
18.  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. 
19.  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:  First Community 
Credit  Union,  P.O.  Box  1030,  Chesterfield,  MO  63006-1030.  In 
your letter, give us the following information: 

© 2021 Farleigh Wada Witt. All rights reserved. 

CC Acct• 07-01-21  4 

 
 
 
 
First Community Credit Union  Credit Card Account Agreement 

  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 report-
ing 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 pur-
chased with your credit card, and you have tried in good faith to cor-
rect 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 pur-
chase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an adver-
tisement 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.  Pur-
chases 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  dis-
cussed 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. 
20.  Acknowledgment 
You understand and agree to the terms and conditions in this Agree-
ment 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. 

© 2021 Farleigh Wada Witt. All rights reserved. 

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