M-127988 M-127988 M-127988
     31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the  31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the  31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the  Your Billing Rights: Keep this Document for Future Use  M-132453
                                                                                                              Your Billing Rights: Keep this Document for Future Use  Your Billing Rights: Keep this Document for Future Use  CONSUMER  CONSUMER  CONSUMER 
     lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,  lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,  lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,  P.O. Box 45085
                                                                                                   This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  P.O. Box 45085 P.O. Box 45085
     SD 57501, or by phone at 605.773.3421.                                                        This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  www.communitychoicecu.com
      SD 57501, or by phone at 605.773.3421.  SD 57501, or by phone at 605.773.3421.                                                                                                             Jacksonville, FL 32232-5085 CREDIT CARD 
                                                                                                                                                                                                 Jacksonville, FL 32232-5085 Jacksonville, FL 32232-5085 www.communitychoicecu.com www.communitychoicecu.com CREDIT CARD  CREDIT CARD 
                                                                                                                                                                                                 (904) 777-6000
                                                                                          What To Do If You Find A Mistake On Your Statement                                                     (904) 777-6000 (904) 777-6000
     32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the  32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the  32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the  What To Do If You Find A Mistake On Your Statement  What To Do If You Find A Mistake On Your Statement  (800) 445-6289 AGREEMENT 
                                                                                                                                                                                                 (800) 445-6289 (800) 445-6289 AGREEMENT  AGREEMENT 
     address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are                                                                            www.vystarcu.org
      address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are  address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are  If You think there is an error on Your statement, write to Us at the address listed on Your statement.  www.vystarcu.org www.vystarcu.org
                                                                                          If You think there is an error on Your statement, write to Us at the address listed on Your statement.  If You think there is an error on Your statement, write to Us at the address listed on Your statement.  AND  AND  AND 
     required to inform Your spouse that We have opened an Account for You.  required to inform Your spouse that We have opened an Account for You.  required to inform Your spouse that We have opened an Account for You.  In Your letter, give Us the following information:  In Your letter, give Us the following information:  In Your letter, give Us the following information:  DISCLOSURE 
     33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between You                                                                                                            DISCLOSURE  DISCLOSURE 
      33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between You 33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between You -  Account information: Your name and Account number.  -  Account information: Your name and Account number.  -  Account information: Your name and Account number. 
     and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by  and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by  and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by 
                                                                                           -   Dollar amount: The dollar amount of the suspected error. 
     law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit  -   Dollar amount: The dollar amount of the suspected error.  -   Dollar amount: The dollar amount of the suspected error.  VISA PLATINUM/VISA SIGNATURE REWARDS 
      law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit  law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit  VISA PLATINUM/VISA SIGNATURE REWARDS  VISA PLATINUM/VISA SIGNATURE REWARDS 
                                                                                           -   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You 
     reporting agency if You fail to fulfill the terms of Your credit obligations.         -   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You  -   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You  VISA SIGNATURE CASH BACK/VISA SAVINGS 
      reporting agency if You fail to fulfill the terms of Your credit obligations.  reporting agency if You fail to fulfill the terms of Your credit obligations.                                                       VISA SIGNATURE CASH BACK/VISA SAVINGS  VISA SIGNATURE CASH BACK/VISA SAVINGS 
                                                                                             believe it is a mistake.  believe it is a mistake.  believe it is a mistake. 
     34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON                                                                                                                                                         SECURED 
      34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON 34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON                                                                 SECURED  SECURED 
                                                                                          You must contact Us: 
     THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER  You must contact Us:  You must contact Us: 
      THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER  THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER 
     DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.                       -  Within 60 days after the error appeared on Your statement. 
      DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.  DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.  -  Within 60 days after the error appeared on Your statement.  -  Within 60 days after the error appeared on Your statement. 
                                                                                           -   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount  -   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount  -   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount  This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other  This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other  This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other 
                                                                                             You think is wrong.  You think is wrong.  You think is wrong.                      Account opening documents or any subsequent documents provided to You related to this Account (hereinafter  Account opening documents or any subsequent documents provided to You related to this Account (hereinafter  Account opening documents or any subsequent documents provided to You related to this Account (hereinafter 
                                                                                                                                                                                collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and 
                                                                                          You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required  collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and  collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and 
                                                                                          You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required  You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required 
                                                                                                                                                                                �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each 
                                                                                          to investigate any potential errors and You may have to pay the amount in question.   �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each  �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each 
                                                                                          to investigate any potential errors and You may have to pay the amount in question.  to investigate any potential errors and You may have to pay the amount in question. 
                                                                                                                                                                                applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to  applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to  applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to 
                                                                                          What Will Happen After We Receive Your Letter  What Will Happen After We Receive Your Letter  What Will Happen After We Receive Your Letter  use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates,  use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates,  use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates, 
                                                                                          When We receive Your letter, We must do two things:  When We receive Your letter, We must do two things:  When We receive Your letter, We must do two things:  renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of  renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of  renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of 
                                                                                           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 credit established by this Agreement and includes Your Card. 
                                                                                           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 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 credit established by this Agreement and includes Your Card.  credit established by this Agreement and includes Your Card. 
                                                                                             already corrected the error. already corrected the error. 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 2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is 2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is SECURITY INTEREST  SECURITY INTEREST  SECURITY INTEREST 
                                                                                             correct. correct. correct.
                                                                                          While We investigate whether or not there has been an error: While We investigate whether or not there has been an error: While We investigate whether or not there has been an error:       You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights  You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights  You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
                                                                                           -  We cannot try to collect the amount in question, or report You as delinquent on that amount.  -  We cannot try to collect the amount in question, or report You as delinquent on that amount.  -  We cannot try to collect the amount in question, or report You as delinquent on that amount.  the Credit Union may have in any goods You purchase.  the Credit Union may have in any goods You purchase.  the Credit Union may have in any goods You purchase. 
                                                                                           -  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.  -  The charge in question may remain on Your statement, and We may continue to charge You interest 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.  -  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.  -  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.  If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares  If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares  If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares 
                                                                                           -  We can apply any unpaid amount against Your credit limit.   -  We can apply any unpaid amount against Your credit limit.   -  We can apply any unpaid amount against Your credit limit.   will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account  will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account  will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
                                                                                                                                                                                               until the Credit Union agrees to release all or part of the pledged amount. 
                                                                                          After We finish Our investigation, one of two things will happen:                                    until the Credit Union agrees to release all or part of the pledged amount.  until the Credit Union agrees to release all or part of the pledged amount. 
                                                                                          After We finish Our investigation, one of two things will happen:  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  -  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that  -  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
                                                                                             amount.  amount.  amount.                                                           and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that  and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that  and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
                                                                                           -  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable  -  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable  -  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable  would lose special tax treatment under state or federal law if given as security are not subject to the security  would lose special tax treatment under state or federal law if given as security are not subject to the security  would lose special tax treatment under state or federal law if given as security are not subject to the security 
                                                                                             interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then  interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then  interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then  interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in  interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in  interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
                                                                                             report You as delinquent if You do not pay the amount We think You owe.   report You as delinquent if You do not pay the amount We think You owe.   report You as delinquent if You do not pay the amount We think You owe.   default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.  default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.  default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
                                                                                          If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You  If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You  If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You  For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay  For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay  For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
                                                                                          still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your  still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your  still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your  any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any  any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any  any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
                                                                                          bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations  bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations  bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations  periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a  periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a  periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
                                                                                          know when the matter has been settled between Us. know when the matter has been settled between Us. know when the matter has been settled between Us.       covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were  covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were  covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
                                                                                          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  not a covered borrower; or (ii) You cease to be a covered borrower. 
                                                                                          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  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  not a covered borrower; or (ii) You cease to be a covered borrower.  not a covered borrower; or (ii) You cease to be a covered borrower. 
                                                                                          is correct.  is correct.  is correct. 
                                                                                                                                                                                 Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
                                                                                          Your Rights if You Are Dissatisfied With Your Credit Card Purchases                    Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union  Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
                                                                                          Your Rights if You Are Dissatisfied With Your Credit Card Purchases  Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
                                                                                                                                                                                 may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding  may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding  may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
                                                                                          If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in  If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in  If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in  anything to the contrary in any other Agreement. anything to the contrary in any other Agreement. anything to the contrary in any other Agreement.      
                                                                                          good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the  good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the  good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the 
                                                                                          purchase.  purchase.  purchase. 
                                                                                                                                                                                1. 1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.
                                                                                          To use this right, all of the following must be true:                                 1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.
                                                                                          To use this right, all of the following must be true:  To use this right, all of the following must be true: 
                                                                                                                                                                                You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful  You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful  You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful 
                                                                                           1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the 1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the 1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the transactions.  transactions.  transactions. 
                                                                                             purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on  purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on  purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on 
                                                                                                                                                                                2 2 2 .
                                                                                             an advertisement We mailed to You, or if We own the company that sold You the goods or services.) . . CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
                                                                                             an advertisement We mailed to You, or if We own the company that sold You the goods or services.) an advertisement We mailed to You, or if We own the company that sold You the goods or services.)
                                                                                           2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts 
                                                                                           2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a 2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts  exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts 
                                                                                             check that accesses Your credit card Account do not qualify.                       due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method 
                                                                                             check that accesses Your credit card Account do not qualify. check that accesses Your credit card Account do not qualify. due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method  due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method 
                                                                                           3. You must not yet have fully paid for the purchase.                                acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or 
                                                                                           3. You must not yet have fully paid for the purchase. 3. You must not yet have fully paid for the purchase. acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or  acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or 
                                                                                                                                                                                terminate Your Account at any time for any reason permitted by law.  terminate Your Account at any time for any reason permitted by law.  terminate Your Account at any time for any reason permitted by law. 
                                                                                          If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at  If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at  If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at 
                                                                                                                                                                                3
                                                                                          the address listed on Your statement.                                                 3 3 . . . CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn on CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn on CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn on
                                                                                          the address listed on Your statement. the address listed on Your statement.      
                                                                                                                                                                                Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience  Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience  Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience 
                                                                                          While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,  While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,  While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, 
                                                                                                                                                                                check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check  check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check  check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check 
                                                                                          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  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  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 
                                                                                                                                                                                drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We  drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We  drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We 
                                                                                          delinquent.  delinquent.  delinquent. 
                                                                                                                                                                                stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this  stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this  stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this 
                                         Page 5 of 6 Page 5 of 6 Page 5 of 6                                                  Page 6 of 6 Page 6 of 6 Page 6 of 6         www.communitychoicecu.com
                                                                  00902690-MXC30-P-1-072817 (MXC302-E)                                                                    www.communitychoicecu.com www.communitychoicecu.com
                                                                  00902690-MXC30-P-1-072817 (MXC302-E) 00902690-MXC30-P-1-072817 (MXC302-E)            00902690-MXC30-P-1-072817 (MXC302-E) 00902690-MXC30-P-1-072817 (MXC302-E) 00902690-MXC30-P-1-072817 (MXC302-E) � CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved � CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved � CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 00902690-MXC30-C-1-080417 (MXC302-E) 00902690-MXC30-C-1-080417 (MXC302-E) 00902690-MXC30-C-1-080417 (MXC302-E)
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