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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  pur-
chase,  contact  us  in  writing  or  electronically  at:  Card  Services,  Pentagon  Fed-
eral Credit Union, Box 456, Alexandria, VA 22313-0456, or online at PenFed.org.
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.

Information  about  this  card  is  accurate  as  of  July  2013  but  may  have  changed  since 
then. To find out what may have changed, please go to PenFed.org or call 866-386-7191.

the motLey fooL VisA PLAtinum CAsh

Cardholder Agreement  
and Disclosure Statement 

Definitions. The “Card” means the Pentagon Federal Credit Union (PenFed) 
credit card which we issue to you under this Agreement, and includes any device 
or check used to obtain credit or cash from the account. An Authorized User is 
an individual receiving a Card, but who has no responsibility for payment of the 
Account.  The  words  “you”,  “your”  and  “cardholder”  mean  each  person,  jointly 
and individually who holds, signs, retains, uses, or permits others to use or sign a 
card. The words “our”, “we” and “us” mean PenFed or any of its assignees. Unless 
otherwise stated, “Account” means your Card account with us. 

1. Agreement. We agree to extend credit to you and advance amounts up to your 
credit limit, but transaction limits may apply. Your credit limit is not increased by 
any credit balance you may have on your account. You will sign the back of the Card 
as soon as you receive it. You agree to pay us for credit extended for the use of the 
Card by you or any other cardmember, along with all applicable finance charges, 
fees and insurance, if any apply. By signing, using or permitting others to use the 
Card, you agree to the terms and conditions contained in this Agreement, on the 
Card, on any charge slip resulting from authorized use of the Card, on any autho-
rized cash advance slip, and to accept responsibility for all actions taken with the 
Card.

2. CreDit Limit. You agree to use the Card within the credit limit we authorize. 
You also agree that we can change your credit limit at any time. We are not ob-
ligated to accept charges that would cause you to exceed your authorized credit 
limit.  Any  extension  of  credit  to  you,  made  or  honored  by  us,  shall  be  at  such 
times and in such amounts and for such purposes as to conform to this Agree-
ment, and only when there is no default.

3. ChAnge in terms. You agree that the terms of this Agreement are applicable 
to any cardholder. You also agree that we can change the terms of this Agreement 
at any time by adding, deleting, or modifying any provision of the Agreement. 

Termination of the account by you or PenFed will not affect your obligation to 
pay the Account balance plus any finance charge and other charges you owe under 
this Agreement. You are responsible for all transactions made to your account af-
ter termination, unless the transactions were unauthorized. Should you choose to 
cancel your Account, the terms in effect at the time that you cancel the Account 
will apply until the outstanding balance of the Account is paid in full, unless you 
are in default. Your card will no longer be available for use for new transactions, 
including purchases, as the Account will be closed (if it is not already closed.) Any 
rewards points or miles you have earned, if applicable, will be forfeited unless they 
are redeemed before the Account is closed. If you do not notify us of your decision 
to terminate the account by the date stated in any notice we provide, or if you notify 
us but then use the Account after the date stated in the notice, you will be deemed to 
accept all changes to the Account’s terms and conditions of this Agreement. 

If you are in default because your payment has not been received within 60 
days of the due date, you do not have the right to reject the changes we make to 
this Agreement or the Account’s terms and conditions. 

Form 1203-TMF  07/13  POD  FDR M-109430   

4. finAnCiAL ConDition ChAnge. You agree to advise us of any change in 
your financial condition that may affect your creditworthiness and to provide us 

with a current loan application whenever we request one. You expressly authorize 
any  person,  partnership,  association,  firm,  corporation  or  consumer  reporting 
agency, upon our request, to furnish us with information concerning you relevant 
to the review and evaluation of this Account. You understand and agree that we 
may terminate your account upon reevaluation of your creditworthiness.

5. finAnCe ChArges WILL BE IMPOSED IN THE FOLLOWING MANNER 
AND WILL BE IN AMOUNTS NOT IN EXCESS OF THOSE PERMITTED BY 
LAW:

A. PurChAses: (1) No finance charge will be imposed during the next billing 
cycle  (defined  as  the  time  interval  between  regular  monthly  billing  statement 
dates) if you pay the entire new balance shown on the current periodic statement 
and we receive your payment on or before the payment due date shown on the 
statement. (2) In all other cases, a finance charge will be imposed based on the 
average daily balance of all purchases and debit adjustments, hereafter referred to 
as purchases. The average daily balance is the sum of all outstanding purchases, 
which  is  determined  by  including  new  purchases  and  deducting  payments  or 
credits and excluding any unpaid finance charge for your Account on each day 
of the billing cycle divided by the number of days in the billing cycle. A purchase 
appearing on the periodic statement is considered a part of the outstanding bal-
ance from the date of posting. (3) The amount of the finance charge is calculated 
by multiplying the average daily balance for purchases by the monthly periodic 
rate. The monthly periodic rate is the yearly interest rate divided by 12.

b. CAsh ADVAnCes. (1) Finance charges accrue on all cash advance amounts 
from  the  date  charged  to  your  Account  and  continue  so  long  as  such  amounts 
remain outstanding. (2) A finance charge will be imposed on the average daily 
balance of cash advances, which is the sum of the cash advances (determined by 
including new cash advances and deducting any payments or credits and exclud-
ing  any  unpaid  finance  charge)  outstanding  each  day  during  the  billing  cycle, 
divided by the number of days in the billing cycle. A cash advance appearing on 
the periodic statement is considered a part of the outstanding balance from the 
date of posting. (3) The amount of finance charge is calculated by multiplying the 
average daily balance for cash advances by the monthly periodic rate.

6.  PAyments.  A  payment  delivered  by  regular  U.S.  mail  must  be  sent  to  the 
address indicated on your periodic statement. Your payment by mail must be a 
check or money order in U.S. dollars with your account number on the check or 
money order and drawn on a U.S. financial institution, and be accompanied by 
the payment voucher from your statement. Write your account number on your 
check or money order. All such payments will be posted to your account as of the 
date we receive them provided we receive them before 5:00 p.m. at the address 
indicated on your periodic statement. Payments received at other locations or not 
conforming to these procedures may be delayed in posting, but not more than 5 
business days from the date of receipt.

 PenFed, in its sole discretion, may accept a check for payment on your Ac-
count  even  though  payment  was  made  before  the  date  of  the  check  or  a  check 
which has a date more than 6 months old. For the first six months all payments 
received from PenFed members who have held membership for six months or less 
will be credited to your Account as of the date we receive them, but credit in the 
amount of the payment will not be available to you for 10 calendar days. Payments 
made  electronically  through  our  automated  telephone  service,  member  service 
representatives, or our website will be subject to any processing times disclosed 
with those payments. 

Your minimum payment due is the greater of $15 or 2% of the new balance plus 
the past due amount, if any, and/or all amounts in excess of the authorized credit 
line/limit shown on the periodic statement. If the new balance does not exceed 
$15, only the new balance total is due and is shown as the minimum payment due. 
All past due or over limit amounts are due and must be fully paid immediately 
upon notification. You may, however, pay the total amount due, which is shown 
as  the  new  balance,  or  you  may  pay  any  additional  amount  you  wish  over  the 
minimum payment due.

If your payment is not honored or we must return it to you because it could 
not be processed, a charge may be made to your account in the amount indicated 
for “returned payment” on Pentagon Federal’s current Schedule of Service Fees 

brochure. In addition, for the 6 months following any such dishonored payment, 
any payments you make will be credited to your account as of the date we receive 
them, but credit in the amount of the payment will not be available to you for 10 
calendar days.

You understand and agree that payments will be applied first to the card bal-
ance bearing the highest rate of interest, then to each successive balance bearing 
the next highest rate of interest until the payment is exhausted. You understand 
and agree that payments will be applied in the following order: (1) late payment 
fee; (2) finance charge; (3) annual membership fee (if any); (4) paper statement fee 
(if any); (5) credit life fee (if any); (6) previous balance cash advances; (7) previous 
balance purchases; (8) new cash advances; and (9) new purchases.

7. DefAuLt. You will be in default if you fail to make any payment on time, if you 
exceed the credit limit established for the Account, if you become insolvent or 
file bankruptcy, if you become incompetent or die, if a judgment or garnishment 
should  be  issued  against  any  of  your  property  including  any  of  your  Accounts 
with  us,  if  we  in  good  faith  consider  our  or  your  obligations  or  your  ability  to 
repay or perform your obligations with us unsafe or insecure, or if you fail to live 
up to any of your other agreements with us, to include any PenFed policy or pro-
cedure. Subject to law, if you default on this Agreement, we can, without giving 
anyone notice, demand immediate payment of the remaining balance due includ-
ing but not limited to any unpaid finance charges, late fees and any other charges 
due under this Agreement. You also agree our obligation for further credit exten-
sions shall immediately end and we may terminate your Account without further 
notice to you. We can do this if you make any false or misleading statements on 
your requests for an advance, if you die, file for bankruptcy or if any other credi-
tor tries to seize your property. 

If your required minimum payment has not been received within 60 days of 
the due date, any balance, including a balance transfer with a promotional rate, 
will increase to the Penalty Annual Percentage Rate (Penalty APR). See Section 
10 below for details of the Penalty APR. If collection is necessary, you agree to pay 
all costs of collection, including attorney’s fees and court costs, in an amount not 
more than 25 percent of the balance due.

8. LAte PAyment fees. You will pay a late payment fee if the Minimum Pay-
ment Due is received 10 or more days past the due date. 

9. VAriAb Le rAtes. One or more APRs that apply to your account may vary with 
changes to the Prime Rate, which means your rate can increase. We calculate the 
APR by adding a margin to the Prime Rate published in The Wall Street Journal. 
If The Wall Street Journal stops publishing the Prime Rate, we will select a similar 
reference  rate  and  inform  you  on  your  billing  statement  or  through  a  separate 
notice. The “Prime Rate” is the highest (U.S.) Prime Rate published in the Money 
Rates section of The Wall Street Journal. A margin is the percentage we add to the 
Prime Rate to calculate the APR. Twice a year, on the Tuesday in the last full week 
before January 1 and the Tuesday in the last full week before July 1, we determine 
what the Prime Rate is, as published in the Wall Street Journal. We then add a 
margin to the Prime Rate to get the APR. If the APR increases, you will have to 
pay a higher periodic finance charge of 10.74% and may have to make a higher 
minimum payment.

10.  PenALty  AnnuAL  PerCentAge  rAte.  If  your  required  minimum  pay-
ment is not received within 60 days of the due date, your Account is subject to 
change to a Penalty APR. The Penalty APR will remain in place until you make 
three consecutive payments on or before the date that each payment is due. In ad-
dition, your balance transfer rate for any outstanding balance transfer amounts 
will increase to the Penalty APR. After three consecutive months of on-time pay-
ments,  the  rates  will  be  reduced  to  the  rates  that  applied  prior  to  the  increase, 
unless the temporary promotional rate has expired or the index for the variable 
rate has changed. 

11. PromotionAL AnnuAL PerCentAge rAte. At our option a special pro-
motional rate may be offered from time to time. The specific terms will be pro-
vided at the time of the offer. Generally, the promotional APR will only apply to 
select transactions (i.e. purchases or balance transfers) during the promotional 
period.  The APR rates for all other transactions, not outlined in the promotion as 

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eligible for the promotional APR, will remain unchanged.  If your required mini-
mum payment is not received within 60 days of the due date, any promotional 
APR and the periodic rate for purchases,  cash advances, and balance transfers 
will increase to the Penalty APR until 3 consecutive payments are made on time.

power of attorney and consent for PenFed to apply such funds to pay any such 
indebtedness by notifying us in writing. If your agency appointment or consent is 
withdrawn, PenFed may in its sole discretion terminate any and all services that 
you have with the credit union.

to change. If these terms change we will provide written notice before the change goes 
into effect. Premiums will accrue on a daily basis and will be billed to your account 
monthly. Complete details of this optional Plan are included in The Member Protec-
tion Plan Program Agreement which you will receive upon enrollment.

12. ACCount CLosure. You or anyone jointly liable for the Account may ter-
minate the Account at any time by notifying us orally or in writing. However, this 
will not relieve you or any of the other joint owners from liability for the repay-
ment of any obligations arising from the use of the Account. In addition, recur-
ring charges from a third party vendor/merchant will be charged to your account, 
even though you have requested cancellation from PenFed. You must cancel the 
recurring charge with the third party vendor/merchant. Upon receipt of your no-
tice, we may close your Account or suspend your account privileges at any time 
without prior notice. You must return all of the Cards to us upon request.

13.  thirD  PArty  DisCLosure.  We  may  disclose  information  to  third  par-
ties  about  your  account  in  order  to  advise  third  parties,  such  as  credit  report-
ing  agencies  or  merchants  of  the  existence  or  condition  of  your  Account, 
to  evaluate  your  current  credit  worthiness  or  as  otherwise  provided  by  law. 

14. To protect us if you are in default on any credit extended or cash advanced un-
der this account, you pledge all of your shares, deposits, payments and dividends 
which may be received, whether held jointly or individually, up to the amount of 
your outstanding balance. The foregoing pledge includes the right to apply funds 
available to you in any jointly held account on your date of death. This does not 
include  your  individual  retirement  account  (IRA).  We  may  take  all  the  shares 
needed  by  us  to  repay  your  credit  extension  or  cash  advance.  If  it  is  necessary 
to take all of your shares for the payment of this account, you understand your 
membership in PenFed may end. Collateral securing other loans with the credit 
union may also secure this loan.

15. CArD Dishonor. If a merchant refuses the Card, we will not have any li-
ability or responsibility. No cash refund will be made to or accepted by you with 
respect to any adjustment for goods or services purchased. All adjustments will 
be made by credit to your PenFed account by a properly executed credit voucher 
issued by the merchant.

16. iLLegAL CArD use. You agree that illegal use of your Card by cardholders(s) 
will be deemed an action of default and/or breach of contract and your account 
and other related services may be terminated at our discretion. You further agree, 
should illegal use occur, to waive any right to sue PenFed for such illegal use or 
any activity directly or indirectly related to it. You also agree to indemnify and 
hold PenFed harmless from any suits or other legal action or liability, directly or 
indirectly, resulting from such illegal use. 

17. AuthorizeD user. You may request us to issue a Card to an individual who 
has no financial responsibility under this Agreement. An Authorized User has the 
same access to your Account as you do, subject to any limitations we may impose. 
An Authorized User has no authority to add or delete Cardholders, request a re-
placement Card or terminate or modify this Agreement. You may terminate an 
Authorized User’s authority to access your Account at any time. To do this, you 
must return the Card to PenFed. You agree that you are responsible for all charges 
and cash advances made by an Authorized User, including charges made before the 
Card is returned, recurring charges, or charges made without the use of the Card 
initiated by the Authorized User after termination of the Authorized User’s access.

18. Lien. You hereby appoint PenFed as your agent under a special power of at-
torney as well as give your express consent to enable us to charge against any bal-
ance in any of your accounts, including accounts on which you are a joint owner, 
to include any otherwise statutorily protected funds that may not otherwise be 
available by legal process, to pay any indebtedness or other outstanding financial 
obligation owed by you or any person who is listed as a joint owner on your ac-
counts, including a deceased joint owner. This does not include your IRA or any 
other account for which this provision is not permitted. We may take such action 
without further notice to you or any joint owner. In regard to those funds that 
have a statutory protection, you understand that you may withdraw the special 

19. issuAnCe/use of CArD. Upon receipt of the Card(s) you and all other card-
holders agree that you will sign the signature panel on the back of the Card(s). 
The  Card  remains  the  property  of  Pentagon  Federal  Credit  Union  and  may  be 
revoked without notice at any time. The Card must be surrendered to us upon de-
mand or revocation. If we employ an agent to obtain the Card your Account will 
be charged with any related fees. No expired, revoked or otherwise invalid Card 
shall be used to obtain or attempt to obtain credit. You will remain responsible to 
pay the amount you owe us according to the terms of this Agreement. Cancella-
tion of the Account will also terminate any other products or services offered in 
conjunction with it. However, recurring charges from a third party vendor/mer-
chant will be charged to your Account, even though you have requested cancella-
tion. You must cancel the recurring charge with the third party merchant/vendor. 

20. issuAnCe/use of CheCks. If we issue you checks, these checks are treated 
as cash advances when they are used and presented for payment. We may refuse 
to issue or reissue and may also terminate, limit or modify the use of the checks 
without notice to you, and you agree to surrender the checks upon our demand 
or upon learning of our cancellation or withdrawal of the checks. Use of checks 
or other methods of access for kiting or similar activity is an action of default. 
The  checks  at  all  times  remain  the  property  of  PenFed  and  we  may  repossess 
them  without  the  use  of  court  process.  All  of  the  terms  and  conditions  of  this 
Agreement apply to the use of the checks. Only check blanks and other methods 
authorized by PenFed now and in the future may be used to obtain funds from 
your Account. If so authorized by PenFed, your use of a personal identification 
number (PIN) for such purpose shall constitute your signature. Paid checks be-
come our property and will not be returned to you. Copies may be provided, if 
requested, for a nominal fee for each item. Should we decline to pay any check, or 
if you instruct us not to pay a check, PenFed shall not be liable, except for gross 
negligence, for any action it takes regarding payment or nonpayment of a check. 
If we decline to pay a check, a charge may be made to your account in the amount 
indicated on our current Schedule of Service Fees brochure, which is available at 
any branch office, on request, or at PenFed.org. You will not date any check later 
than the date that you write it. If you do and the check is presented for payment 
before its date, PenFed, in its sole discretion may return it unpaid, or pay it. If we 
pay it, we will charge the Account. PenFed may, in its sole discretion, pay a check 
which has a date more than six months old.

21.  AnnuAL  fee.  You  may  be  required  to  pay  a  nonrefundable  annual  fee 
for  each  Account  you  have  with  us  for  which  a  Card  is  issued.  You  will  pay 
only  one  annual  fee,  even  if  more  than  one  Card  is  issued  for  your  Account. 
The  fee  will  be  charged  annually  to  your  Account.  This  charge  will  appear  on 
your  periodic  statement  for  the  billing  cycle  when  it  first  becomes  effective. 

22.  foreign  trAnsACtions.  Purchases  and  cash  advances  made  in  for-
eign  currencies  will  be  debited  from  your  account  in  U.S.  dollars.  The  ex-
change  rate  between  the  transaction  currency  and  the  billing  currency 
used  for  processing  international  transactions  is  either  a  wholesale  mar-
ket  rate  or  the  government  mandated  rate  in  effect  one  day  prior  to  the 
date  processed  by  Visa  and  may  include  an  international  transaction  fee. 

23.  member  Prote Ction  PLAn.  Your  purchase  of  the  Member  Protection  Plan 
(“Plan”) is optional. Whether or not you purchase this protection will not affect your 
application for credit or the terms of any existing credit agreement you have with Pen-
Fed.  If  you  do  purchase  this  Plan  you  may  cancel  it  at  any  time  by  notifying  us  in 
writing. You understand that you may rescind this plan within 30 days after the date 
your Plan becomes effective. If you rescind, any premiums you have already paid will 
be credited to your account. We can terminate this Agreement by giving you notice at 
least 30 days in advance of the termination. You understand that the Plan protects only 
you as the primary Member-Borrower against protected events while you are enrolled 
in the Plan. Co-borrowers, co-signers, guarantors and additional card holders are not 
eligible for protection. The premium, method of calculation and assessment are subject 

24. trAVeL ACCiDent insurAnCe. We agree to provide you with Travel Ac-
cident Insurance at no direct cost to you. You, your spouse and unmarried depen-
dent children will be automatically insured against accidental bodily injuries or 
death while riding in any aircraft or land or water conveyance operated by a com-
mon carrier licensed to carry passengers for hire provided the full travel fare(s) 
has been charged to your Account. Death benefits will be paid to the estate of the 
insured; all other benefits will be paid to the insured. This insurance is subject to 
cancellation without prior notice. You understand and agree that the Certificate 
of Insurance controls all insurance terms and conditions to the exclusion of any 
statements made in this Agreement regarding limitations, exclusions, and claims 
procedures.

25. AssignAbiLity of ACCount. You agree that PenFed may at any time sell, 
transfer or assign your account.

26. Lost/stoLen CArD. You are responsible for the possession and use of the 
Card and must maintain the confidentiality of the PIN we may assign you. You 
will notify us at once if you believe your Card has been lost or stolen, or if you have 
reason to believe the Card is being used without your permission. You may notify 
us by calling 800-556-LOST or 402-399-3600 collect from overseas, or by writing 
to us at Card Services, Pentagon Federal Credit Union, Box 456, Alexandria, VA 
22313-0456. 

27. LiAbiLity for unAuthorizeD use. You are liable for all authorized use 
of any Card issued under the Agreement regardless of the credit limit or the party 
using it. You agree to notify us immediately by calling 800-556-LOST or 402-399-
3600 collect from overseas, or writing to us at Card Services, Pentagon Federal 
Credit Union, Box 456, Alexandria, VA 22313-0456 if you suspect unauthorized 
use  of  the  Card,  and  to  cooperate  with  us  in  the  recovery  of  any  amounts  ad-
vanced based on unauthorized use. You will not be liable for any unauthorized 
use of the card.

28. stAtements. We will bill you monthly, on a date selected by us, for amounts 
due under this Agreement. If you elect to receive your credit card statement elec-
tronically, you will receive an email alerting you when your statement is ready to 
be viewed online. There is a $1 fee for each paper statement received. Failure to 
receive a monthly statement or electronic statement notification does not relieve 
you from making any required minimum payment. Upon receipt of each periodic 
statement,  you  should  examine  it  and  immediately  notify  us  in  writing  of  any 
transaction you believe to be in error. If your Account is a joint account, we can 
send statements and notices to either of you. You agree to notify us promptly of 
any change in your name, address, or email address.

29. PAyment skiP oPtion. At our option, we may provide for a payment skip 
option, which means that you may be allowed to skip making the minimum pe-
riodic payment for specified billing cycles. If you accept this payment skip op-
tion, we will continue to apply the finance charge as disclosed above, but no late 
payment fees will apply to the skipped payment. For the billing cycle following a 
skipped payment, all the terms and conditions of this Agreement (including min-
imum periodic payment and applicable late payment fees) will continue to apply.

assert them. The Agreement binds and benefits us and our successors and assigns 
and binds you, your estate and your personal representatives. 

31.  APPLiCAbLe  LAw.  This  Agreement  and  your  Card  and  Additional  Cards, 
and all questions about their legality, enforceability and interpretation, are gov-
erned by the laws of the Commonwealth of Virginia, USA.

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:  Card  Services,  Pentagon 
Federal  Credit  Union,  Box  456,  Alexandria,  VA  22313-0456.  You  may  also 
contact  us  on  the  Web  via  our  Secure  Online  Message  Center  at:  PenFed.org 
In your letter give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong.

You must notify us of any potential errors in writing or electronically. 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 let-
ter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to 

you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on that 

amount.

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to 

charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any interest 

or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount 
you owe and the date payment is due. We may then report you as delinquent if you 
do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We 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 the rules above, you do not have to pay the first $50 of the amount you question even 
if your bill is correct. 

30. other Agreements. All the terms and conditions of any other agreement 
between us and you and/or any other institution that is part of a network of auto-
mated teller machines (ATMs) in which we participate, and any applicable rules 
and regulations, also apply to use of the Card. There may be minimum and/or maxi-
mum limits on the amount of a cash advance dispensed from electronic terminals 
which accept the Card. All of the transactions made by electronic means are subject 
to verification by us, and any checks or other items deposited for collection may be 
deemed to be received and any other transaction may be deemed to occur on our 
next business day. You understand that transactions may be limited in some areas. 
You agree that we do not waive our rights under this Agreement if we fail to 

your rights if you Are DissAtisfieD with your CreDit CArD PurChAses. If 
you are dissatisfied with the goods or services that you have purchased with your credit 
card and you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your 
current  mailing  address,  and  the  purchase  price  must  have  been  more  than  $50. 
(Note: Neither of these is necessary if your purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash