LGE Community Credit Union 
VISA® COMMERCIAL CREDIT CARD AGREEMENT 

INTRODUCTION.  This  COMMERCIAL  CREDIT  CARD  AGREEMENT  (Agreement)  sets  forth  the  terms  of  your VISA®  Credit 
1.0 
Card account (Account) with LGE Community Credit Union.  This Agreement supersedes any terms and conditions on the card mailer 
accompanying the Card. 

1.1 

1.2 

Parties.  In  this  Agreement,  the  word  “Company”  refers  to  the  business  organization  or  sole  proprietorship that has 
applied  for  the  Account.  The  word  “Cardholder”  means  a  person  for  whom  Company  has  requested and  to  whom 
we  have  issued  a  Card.  The  words  “you”  and  “your”  mean  Company,  all  Cardholders,  all  authorized  signers, 
anyone to whom any of you give a Card (even if they exceed or violate your instructions), and anyone else authorized 
to use the Account.  The words “Credit Union,” “we,” “our” and “us” refer to Credit Union. 

Definitions.  In  this  Agreement,  the  word  “Card”  means  one  or  more  credit  cards,  or  other  devices  by  which credit 
may  be  accessed  other  than  a  check,  issued  on  the  Account.  “Card”  includes  any  tangible  card  with  a  number 
embossed  on it; a  card  number; or  a card number issued  without  a tangible  card (sometimes  called  a “virtual  card”). 
The  term  “Outstanding  Balance”  includes  the  outstanding  balance  of  purchases,  finance charges,  and  other  fees 
and  charges  associated  with  the  Account.  “Charges”  refers  to  all  amounts  charged  to  the  Account, 
including, 
in  which  you  have  evidenced  an  intention  to  make  a  purchase, 
without 
miscellaneous  charges  and  fees,  and  any  other  monetary  obligations  associated with  the  Account. “Applicable  Law” 
shall  include:  “(i)  Visa  U.S.A.  Inc.  Bylaws,  Visa  U.S.A.  Inc.  Operating  Regulations,  Visa  U.S.A.  Inc.  Certificate  of 
Incorporation,  Visa  International  Bylaws,  and  Visa  International  Operating  Regulations;  and  (ii)  any  and  all  laws, 
treaties,  rules,  regulations,  or  regulatory  guidance  of  the  government  of  the  United  States,  any  state  thereof,  or  of 
any applicable foreign government or state thereof, as the same may be amended and in effect from time to time. 

limitation,  purchases,  any 

transaction 

AGREEMENT.  This  Agreement  becomes  effective  on  the  earlier  of  (a)  15  days  after  the  Credit Union  sends  you  the  first 
2.0 
Card;  or  (b)  your  first  use  of  the  Card  or  Account.  Any  use  of  the  Card  or  Account  constitutes  your  acceptance  of  the  terms  of  this 
Agreement. If you do not wish to be bound by this Agreement, you  must not use (or authorize anyone else to use) the Card or Account 
and must cancel the Account and return all of the Cards within 15 days after receiving the Card. Company and all Cardholder will at all 
times comply with all applicable laws.  

3.0 

CREDIT  LIMITS 

3.1 

Company  Credit  Limit.  We  will  establish  and  notify  Company  of  a  credit  limit  for  the  Account  (“Company  Credit 
Limit”).  We  may,  at  any  time  and  at  our  sole  option,  with  or  without  notice  to  you,  increase  or decrease  the 
Company  Credit  Limit  on  the  Account.  Without  limiting  the  foregoing,  we  may  reduce  the  amount  of  credit 
available  under  the  Company  Credit  Limit  by  the  amount  of  any  request  for  authorization  from  a  merchant  or 
financial institution even if the amount has not yet posted to the Account. 

You  agree  not  to  use,  or  allow  anyone  else  to  use,  the  Card  or  Account  in  any  way  that  would  cause  the balance 
of  purchases  on  the  Card  or  Account,  to  exceed  the  Company  Credit  Limit.  We  are  not  under  any circumstances 
obligated  to  approve  any  transaction  or  extend  credit  if  doing  so  would  exceed  any  applicable  limit;  but  if  we  do, 
Company  agrees  to  repay  all  Charges  that  exceed  the  Company  Credit  Limit,  plus  other  applicable  Charges  in 
accordance  with  the  terms  of  this  Agreement.  Fees  for  exceeding  the  Company  Credit  Limit  appear  in  Section  13. 
below. 

3.2 

Cardholder  Credit  Limit.  We  may  establish  individual  credit  limits  for  purchases  on  a  per  Card  basis, referred 
to  as  “Cardholder  Credit  Limits.” 

In  no  event  may  a  Cardholder  Credit  Limit  exceed  the  Company Credit Limit. 

time  and  at  our  sole  option,  with  or  without  notice 

We  may,  at  any 
the 
Cardholder  Credit  Limit  on  any  Card.  Without  limiting  the  foregoing,  we  may  reduce  the  amount  of  credit available 
under  the  Cardholder  Credit  Limit  on  a  Card  by  the  amount  of  any  request  for  authorization  from  a  merchant  or 
financial institution even if the amount has not yet posted to the Account. 

increase  or  decrease 

to  you, 

You  agree  not  to  use,  or  allow  anyone  else  to  use,  the  Card  or  Account  in  any  way  that  would  cause  the 
balance of purchases on the Card to exceed the Cardholder Credit Limit or Company Credit Limit. 

We  are  not  under  any  circumstances  obligated  to  approve  any  transaction  or  extend  credit  if  doing  so  would exceed 
an  applicable  Cardholder  Credit  Limit;  but  if  we  do,  you  agree  to  repay  all  Charges  that  exceed  the  Cardholder 

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Page 1 

 
 
 
 
 
 
 
 
 
 
 
Credit  Limit,  plus  other  applicable  Charges  in  accordance  with  the  terms  of  this  Agreement.  Fees for  exceeding  the 
Cardholder Credit Limit appear in Section 13. below. 

4.0 

THE CARDS. 

4.1 

4.2 

4.3 

4.4 

4.5 

Signature Panel.  For your protection, the back of the Card contains a signature panel which must be signed before 
the Card may be used. 

Credit Union’s  Property.  The  Card  is  the  property  of  the  Credit Union  and  must  be  returned  to  the  Credit Union 
on  request. The Credit Union  may  revoke  any  Card  or  all  of  the  Cards  at  any  time,  without  cause  and  without  notice. 
If a merchant or a financial institution where the Card is attempted to be used asks for the surrender of the Card, you 
must surrender it immediately. 

Expiration.  The  Card  will  not  be  valid  after  the  expiration  date  printed  on  the  front  of  the  Card,  and  it  must not be 
used after that date. 

Renewal and Replacement Cards.  The Credit Union may issue renewal or replacement Cards at its  
sole discretion. 

Additional  Cards.  You  may  request  additional  Cards.  You  are  responsible  for  all  charges  to  the  Account made by 
holders of additional Cards. 

AVAILABLE  TRANSACTIONS 

5.0 
(BUSINESS  PURPOSE).  Subject  to  the  other  terms  and  conditions  of  this Agreement, 
the Cards and Account may be used only for business (non-consumer) purposes for the types of transactions shown below.  You  agree 
not  to  use  the  Cards  or  Account  for  any  transactions  that  are  primarily  for  personal,  family  or  household purposes, although Company 
agrees to pay for such Charges: 

5.1 

5.2 

Purchases.  To purchase goods and services wherever VISA cards are honored. 

Fraudulent  or  Questionable  Transactions.  We  reserve 
transaction which we reasonably believe is or may be unauthorized or fraudulent in any respect. 

to  decline 

the  right 

to  authorize  any  requested 

6.0 
LIABILITY  /  PROMISE  TO  PAY.  Company  promises  to  pay  any  Charges  resulting  from  use  of  a  Card  or  the Account, 
plus  all  interest,  fees  and  other  amounts  due  on  the  Account.  This  Agreement  is  not  in  derogation  of  any  other  obligation  the 
Company may have with the Credit Union. 

7.0 

COMPANY-BILL  OPTION.  This Section 8 applies if Company has elected to have statements sent to Company. 

7.1 

7.2 

7.3 

Statements  Sent  to  Company.  We will prepare  a  monthly  statement  (“Statement”) showing  the  total  amount  of 
Charges,  including  purchases,  interest,  fees  and  other  amounts  posted  to  the Account  during  the  billing  period  and 
the  Outstanding  Balance  of  the  Account.  We  will  mail  the  Statement  to  Company  at  the  last  address  shown  for 
Company in our records.  It is Company’s responsibility to review the  Statements  carefully  to  ensure  that  Company 
recognizes  all  Charges  billed  and  that  the  amount  is appropriate for Company to pay.  Any discrepancies  should 
be brought to our attention in writing immediately but no later than 60 days after we sent you the first bill on which the 
error or problem appears.  Verbal notification will not preserve your rights. 

Change  of  Company  Address.  Company  agrees  to  notify  us  within  10  days  of  any  changes  of  address. Until 
we  are  notified  that  the  Company’s  billing  address  has  changed,  we  will  continue  to  send  Statements  and  other 
notices to the last address we maintained for Company. 

Payments.  Company  promises  to  pay  the  Credit Union  according  to  the  terms  of  this  Agreement  the  entire  amount 
owing under this Agreement. 

8.0 

PAYMENTS GENERALLY. 

8.1 

Payment Rules.  You may not make any payment directly or indirectly by an advance on the Account.  . 

8.2 

Minimum  Payment.  You  promise  to  make  at  least  the  minimum  payment  due  on  the  Account  each  month  as 

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8.3 

8.4 

8.5 

shown  on  your  monthly  Statement.  The  minimum  payment  each  month  will  be  equal  to  2%  of  the Outstanding 
Balance,  plus  any  overlimit  amounts,  fees,  past  due  amounts  and  accrued  but  unpaid  finance charges  (interest). 
If  the  Outstanding  Balance  is less than $10, the minimum 
In  no  event  will  the  minimum  payment  be  less  than  $10. 
payment will be the entire Outstanding Balance. 

Making  Payments.  The  Credit Union  must  receive  the  minimum  payment  due  at  the  address  designated  on  your 
monthly  Statement  on  or  before 
received  after  any 
reasonable cutoff hour we set will be treated as received on the next business day.  Receipt of your minimum payment 
at any address other than that designated on your monthly statement may create a delay in posting to the Account and 
result in a late fee and additional finance charge. 

the  due  date  shown  on  your  Statement.  Payments 

Payments.  All  payments  must  be  made  in  U.S.  Dollars  drawn  on  funds  on  deposit  in  the  United  States. Please 
do not mail cash payments. 

No Waiver or Impairment of Credit Union’s Rights.  The Credit Union may accept late payments, partial  payments 
or  any  payment  marked  with  any  kind  of  restrictive  endorsement  (such  as  “paid  in  full”  or  “in  settlement”)  without 
giving  effect  to  the  restrictive  endorsement  and  without  losing,  waiving,  or  impairing  any  of  the  Credit Union’s 
rights  under  this  Agreement  or  under  applicable  law.  Except  for  billing  error  notices,  communications regarding 
any  disputes  about  the  Account  must  be  mailed  to  the  following  address:  LGE Community Credit Union, Attn:  Card 
Disputes,  P . O .   B o x   1 1 8 8 ,   M a r i e t t a ,   G A   3 0 0 6 1 .  Any  communications  sent  elsewhere,  or  our 
acceptance  of payments marked “payment in full” or the like, will be of no legal effect. 

8.6 

 Application of Payments:   Payments in excess of the minimum payment will be applied first to the card balance bearing 
the  highest  rate  of  interest  and any  remaining  portion  to  the  other  balances  in  descending  order  based  on  the  applicable 
annual percentage rate.  

DEFAULT.  You  will  be  in  default  if  any  of  the  following  occur  as  to  the  Account,  any  Card  or  Cardholder,  or  any principal 

9.0 
(owner, director, officer or other manager) of Company or any Cardholder which is an organization: 

9.1 

We do not receive any minimum payment due at the proper address on or before the payment 

 due date; 

9.2 

You exceed any applicable Company Credit Limit or Cardholder Credit Limit; 

9.3 

You fail to honor any other obligation under this Agreement; 

9.4 

You or any guarantor dies or becomes legally incapacitated; 

9.5 

You  or  any  guarantor  files  for bankruptcy,  or  becomes  insolvent  or  generally  unable  to  pay  your  debts,  or makes an 

assignment for the benefit of creditors; 

9.6 

time, 
You  or  any  guarantor 
including on the  Card application, or any  financial  statement or other document or information submitted to the Credit 
Union; 

incomplete  or  misleading 

the  Credit Union  at  any 

information 

furnishes 

false, 

to 

9.7 

You or any guarantor are in default under any other obligations to the Credit Union; 

9.8 

Another creditor attempts through legal process to take any of your or any guarantor’s money 

 or property; 

9.9 

The  Credit Union  reasonably  believes  that  you  or  any  guarantor  are  unable  or  unwilling  to  honor  all  of  your 
obligations under this Agreement or other obligations either of you owe to us; 

9.10 

The  Credit Union  has  evidence  or  reasonably  believes  that  an  unauthorized  use  of  the  Card  or  Account  has  been 

made or attempted; 

9.11 

There is any material change in the equity ownership or managerial control of Company. 

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If  you  are  in  default,  the  Credit Union  may  declare  without  prior  notice  the  Outstanding  Balance  of  the  Account  immediately  due  and 
payable, may close or suspend the Account or any of the Cards, and recover the Cards. 

10.0 
judgment, or the closing of the Account. 

INTEREST  (FINANCE  CHARGE).  The 

following  interest  (finance)  charges  will  apply,  whether  before  or  after  default, 

10.1 

10.2 

Grace  Period.  No interest  will be assessed on purchases if you  have paid the total balance  of purchases shown  on 
your  monthly  statement  in  full  within  25  days  after  the  statement  date.  Otherwise, 
interest  will  be  assessed 
transaction.   Cash advances or  Balance Transfers  will  be 
on  each  purchase 
charged interest from the date of transaction . 

the  purchase 

the  date  of 

from 

Balance Subject to Finance Charge―Average Daily Balance.  We will calculate interest by applying a periodic rate 
(described below) to the Average Daily Balance of the Account.  To get the Average Daily Balance, we take the 
beginning balance of your Account each day, add any new purchases, and subtract any payments, credits, any non-
accruing fees, and unpaid interest.  This gives us the daily balance.  Then we add up all the daily balances for the 
billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance for 
the billing cycle. 

10.3 

Minimum Finance Charge.  There is no minimum Finance Charge. 

10.4 

Annual Percentage Rate. 

10.4.1  Variable Rate.  When the Account has a balance subject to a Finance Charge (as described above), we  will 
assess  interest  (a  Finance  Charge)  calculated  by  applying  the  applicable  monthly  periodic rate  (“periodic 
rate”)  to  the  Average  Daily  Balance.  Your  periodic  rates  and  corresponding  Annual Percentage Rates may 
vary  from  billing  period  to  billing  period  and  are  based  on  an  index  (“Index”)  plus  the  respective  margin 
(“Margin”).  The  periodic  rates  applied  in  any  billing  period  will  be  equal to  [1/12]of  the  sum  of  (i) the  Index 
value plus (ii) the applicable Margin. 

Index.  The  “Index”  is  the  average  of  the  26-week  Treasury  Bill  (“T-Bill)  Rates  for  the  preceding  four 
weeks  by  the  Federal  Reserve.    If  the  Federal  Reserve  Bank  ceases  publication  or  no  longer  publishes  the 
Index,  we  may  substitute  a  different  index,  in  our  sole  discretion  (subject  to  applicable  law),  which  will 
thereafter be the Index for the Account. 

Margin.  The Margin is 12%. 

Minimum  and  maximum  rates.  Notwithstanding  the  above,  the  minimum  Annual  Percentage  Rate we  will 
ever charge is 12.00% and the maximum is 18.00%, subject to applicable law. 

10.4.2  Current APRs.  For your current periodic rates and Annual Percentage Rates, 

 contact Credit Union. 

10.4.3  Effect  of  Rate 

Increases. 

interest 
the 
the  Annual  Percentage  Rate 
Finance  Charges  may  also 
to  existing  Account 
Any  new  periodic 
balances.  The  periodic  rate  may  also  change  as  provided  in  the  section  of  this  Agreement  entitled 
"Changing This Agreement." 

increases, 
rates  will  apply 

the  amount  of 

increase. 

If 

11.0 

CASH ADVANCES.  The Cards and/or Account cannot be used to obtain Cash Advances. 

12.0 

OTHER FEES AND CHARGES. 

12.1 

Late Payment Fee. 
If we do not receive the minimum payment due on or before the payment due date as it appears 
on  your  monthly  statement,  we  will  charge  the  Account  a  late  fee  for  the  billing  period,  in  addition  to interest  which 
accrues  on  the  unpaid  balance.  Please see Attachment “A” for current Late Payment Fee. 

12.2 

Annual Fee. There is no Annual Fee. 

12.3 

Returned  Payment  Fee. 
is 
dishonored or returned  unpaid,  you  will  be  charged a fee.   Please see Attachment “A” for current Returned Payment 

If  any  check  or  other 

item  you  submit 

in  payment  on 

the  Account 

to  us 

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Fee. 

12.4 

12.5 

12.6 

Pay  by  Phone  Fee.  Each  time  a  pay  by  phone  payment  is  processed  on  the  Account,  a  fee  be assessed for the 
service. 

Overlimit Fee.  If the Account or a Card exceeds any applicable Credit Limit, we may impose a charge equal to  1%  of 
the  overlimit  amount,  but  in  no  event  will  the  fee  be  less  than  $25  or  more  than  $1,000.  We  may assess this  fee 
even if we approved the transactions that caused the Credit Limit to be exceeded 

Statement/Charge  Slip  Copy  Fee.  We  may  impose  a  charge  for  each  copy  of  your  monthly  statement, 
transaction/travel/entertainment charge slip you request.  No charge will be imposed in connection with any good faith 
assertion  of  a  billing  error  given  to  us  in  writing.    Please  see  Attachment  “A”  for  current  Statement/Charge  Slip  Copy 
Fees. 

13.0 
internationally.  Certain fees will be charged on cross-border transactions and foreign-currency transactions. 

CROSS-BORDER  AND  FOREIGN  CURRENCY  TRANSACTIONS.  The  Card  may  be  used  to  purchase  goods and services 

13.1 

13.2 

Single  Currency  Transactions.  On  transactions  that  occur  in  a  country  other  than  the  merchant  country,  in  the 
same  currency  as  the  merchant’s  (i.e.,  no  currency  conversion  takes  place),  we  will  assess  a  Single Currency 
Transaction Fee of .8% of the transaction amount. 

Multi-Currency Transactions.  On transactions that occur in a country other than the merchant country, in a currency 
is  performed),  we  will  assess  a  Multi-Currency 
other 
Transaction Fee of 1% of the transaction amount. 

(i.e.,  a  currency  conversion 

the  merchant’s 

than 

its  members  and 

DISCLOSURES  OF  INFORMATION.  You  consent  to  the  release  of  personal  data  about  yourself  by  the  Credit  Union  to 
14.0 
VISA, 
the  purpose  of  providing  emergency  Card  replacement  services,  and 
otherwise  as  allowed  by  law.  Credit Union  may  also  release  business  or  personal  data  about  you  to  third  parties  as  necessary  or 
appropriate (i) in the ordinary course of servicing the  Account and Cards, (ii) for purposes of marketing to you, (iii) as required by law or 
legal process, and (iv) otherwise as permitted by law. 

their  respective  contractors 

for 

15.0 

RESTRICTIONS ON USE OF ACCOUNT. 

15.1 

15.2 

Named  User.  Only  the  Cardholder  named  on  the  Card  is  permitted  to  use  it  for  charges,  identification,  or  any 
other reason. 

Illegal  Purpose. 

No 
International  Operating  Regulations.  The  Card  and  Account  may  not  be  used 
transaction 
otherwise permissible rests with you. 

the  Cards  and  Account  are  subject 

is  unlawful.  The  responsibility 

to  determine  whether  any 

Your  use  of 

that 

to  applicable 

law  and  VISA 
in  connection  with  any 
lawful  or 
is 

transaction  or  use 

15.3 

Gambling.  In addition, the Cards may not be used to participate in any gambling activity (whether lawful or unlawful). 

Notwithstanding  the  foregoing,  you  will  remain  fully  obligated  to  pay  any  indebtedness  incurred  in  contravention  of  the 
foregoing limitations.  We may block any transaction that we believe may violate this provision. 

LIABILITY  FOR  UNAUTHORIZED  USE.  Except  as  expressly  limited  by  law  and  Section  17.1  below,  you  are liable  for  all 
16.0 
Charges on the Card, authorized and unauthorized.  If the Card or Account number is lost or stolen, or if you think that someone used or 
may use them without your permission, you must notify the Credit Union immediately by calling 770-424-0060. 

16.1 

Definition.  “Unauthorized use” means any use by a person who is not an authorized signer on the  Account, was not 
expressly or impliedly  authorized by  such a  person,  and from  which  such  a  person derives  no benefit. “Unauthorized 
use”  excludes  any  transaction  conducted  by:  (i)  a  Company  co-owner;  (ii)  the  Cardholder  or any  person  authorized 
by  the  Cardholder,  including  a  person  to  whom  the  Cardholder  gave  the  Card  or  Card number,  even  if  the  person 
exceeds  or  violates  your  instructions;  or  (iii)  any  other  person  with  an  interest  in or authority to transact business on 
the Account.  You agree to tell us what you know about the unauthorized use and assist us in our investigation.   

16.2 

Liability.  Unless  otherwise  required  by  law  and  subject  to  VISA  International  Operating  Regulations, Company 

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has unlimited liability for unauthorized use of the Account or any Card. 

17.0 

FINANCIAL AND CREDIT INFORMATION. 

17.1 

17.2 

Financial  Statements. 
Card application from time to time. 

If  the  Credit Union  asks,  you  agree to  furnish a  current  financial  statement  or  to  update  the 

Credit  Reports.  You  authorize  the  Credit Union  to  make  whatever  credit  inquiries  or  investigations  about  you  that 
the  Credit Union  deems  appropriate.  This  includes  obtaining  your  consumer  report  from  time  to  time.  The  Credit 
Union may  disclose  to  others,  such  as  credit  bureaus,  merchants  and  other  financial  institutions,  information  about 
the Account and your performance under this Agreement, subject to applicable law. 

18.0 

CLOSING THE ACCOUNT. 

18.1 

18.2 

By  you.  You  may  close  the  Account  at  any  time  by  notifying  the  Credit Union  in  writing  at  the  address  shown  on 
your  monthly  statement.  You  must  return  all  Cards  with  your  notice.  However,  you  remain  responsible  to pay the 
amounts you owe us according to the terms of this Agreement. 

By the  Credit Union.  The Credit Union may close or suspend a Card or the Account at any time without cause and 
without prior  notice,  subject to  applicable law,  or  reissue  a  different  Card  at  any time.  Upon  closure  (whether by  you 
or the Credit Union), your right to use the Card and to make Charges to the Account will be automatically revoked. 

19.0 
GOVERNING  LAW/CONFLICTING  TERMS.  The  Account  will  be  governed  by  U.S.  federal  law  and,  to  the  extent  not 
preempted,  the  laws  of  the  state  of  Georgia,  even  if  you  use  the  Account  outside  of  Georgia  or  the  U.S.  The  terms  of  this 
If  any  part  of  this Agreement is found to 
Agreement  supersede  any  conflicting  terms  set  forth  on  a  sales  slip  or  credit  card  draft. 
be unenforceable, the remainder of the Agreement will remain in full force and effect. 

20.0 
SECURITY INTEREST.  Non-Purchase-Money Security Interests” Payments on your Account are secured by any security interest in 
any property securing your other obligations to the Credit Union, whether existing now or in the future, except your household goods and your 
primary residence. “Purchase-Money Security Interests” You hereby grant Credit Union security interest in all property purchased/acquired by 
you  or  any  authorized  user  pursuant  to  the  use  of  this  Account,  including  a  purchase-money  security  interest  in  any  household  goods 
purchased/acquired with an extension of credit upon this Account.   These Purchase-Money Security Interests shall secure faithful performance 
of all obligations arising under this Agreement; and the Credit Union shall have all of the rights of a secured party in accordance with Article Nine 
of the Uniform Commercial Code and/or other applicable law. 

21.0 
CHANGING  THIS  AGREEMENT.  We  may  amend  this  Agreement  from  time  to  time,  including  the  addition  of entirely new 
provisions, by sending such notice as may be required by law.  Notice may be sent to Company at the last address shown in our records 
for the Account.  Unless we  state otherwise, balances existing  on the effective date of any amendment, as well as future activity, will be 
subject to the terms of the amended Agreement to the extent permitted by law. 

22.0 
any party without your knowledge or consent, from time to time. 

SALE OF ACCOUNT.  We may sell, securitize, encumber or otherwise transfer the  Account, Cards and any interest in them to 

23.0 
of change in terms under Section 22 above or by a separate contract or amendment to this Agreement, at our option.  

OTHER FEATURES.  We may, from time to time, offer you other features on the Cards.  These may be effectuated by a notice 

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Page 6