Founders Federal Credit Union
737 Plantation Road
Lancaster, SC 29720
1-800-845-1614
foundersfcu.com

CREDIT CARD AGREEMENT

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT, ALL CARDHOLDERS, OR ANYONE ANY CARDHOLDER PERMITS TO USE THE CARD. THE "CARD" 
MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE  DESIGNATED  BY  YOU  UNDER  THE  TERMS  OF  THIS  AGREEMENT.  "WE",  "US",  "OUR"  AND  THE  "CREDIT  UNION"  MEANS  FOUNDERS  
FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. THIS AGREEMENT SUPERSEDES ALL PRIOR 
AGREEMENTS AND DISCLOSURE STATEMENT RELATING TO YOUR ACCOUNT.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE  
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF  
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE  
AND/OR  FEDERAL  LAW.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  
YOUR FUNDS ON DEPOSIT TO THE AMOUNT YOU OWE.
Funds  on  deposit  in  an  Individual  Retirement  Account  or  any  other  
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest.

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also  
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods.

Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from  any  
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  
financial institutions and ATM machines that accept the Card, up to the lesser of 
your established credit limit or $5,000.00 from financial institutions that accept a 
Visa  Credit  Card.  Funds  advanced  from  your  credit  card  for  balance  transfers  
and  at  ATMs  are  considered  cash  advances  and  will  decrease  your  available  
cash  amount.  See  your  monthly  billing  statement  for  your  available  cash  
amount. You agree not to present your Card or obtain a cash advance for any 
extension  of  credit  in  excess  of  your  available  credit  limit;  however,  if  you  do  
exceed  your  credit  limit,  you  agree  to  make  immediate  payment  sufficient  to  
bring the balance below the credit limit. Certain purchases and cash advances 
require authorization prior to completion of the transaction. In some cases, you 
may be asked to provide identification. If our system is not working, we may not 
be  able  to  authorize  a  transaction,  even  though  you  have  sufficient  credit  
available.  Also,  for  security  reasons,  we  may  block  the  use  of  your  Card  in  
certain countries or geographic areas. We will have no liability to you or others if 
any of these events occur.

Personal Identification Number (PIN). We may issue a Personal Identification 
Number (PIN) for use with your Card. This PIN is confidential and should not be 
disclosed  to  anyone.  You  may  use  your  PIN  and  your  Card  to  access  your  
account, and all sums advanced will be added to your account balance. In the 
event a use of your PIN constitutes an Electronic Funds Transfer, the terms and 
conditions of your Electronic Funds Transfer Agreement may affect your rights. 
You agree not to write your PIN on your Card, you will not keep your Card and 
PIN  together,  and  you  will  not  provide  your  PIN  to  anyone  who  is  not  an  
authorized  user.  Except  as  otherwise  provided  in  this  agreement,  advances  
through  ATM  access  will  be  treated  as  cash  advances  under  this  Agreement.  
Advances at authorized ATM's are limited to a total of $500 during any 24-hour 
period.  The  total  of  all  cash  advances  on  your  account  and  any  withdrawals  
from  your  other  accounts  through  an  ATM  in  any  24-hour  period  may  be  
combined for the purpose of this limitation. We are not responsible if any ATM 
does  not  have  enough  cash  for  your  transaction  or  is  not  in  proper  working  
order. Although we do not charge a fee for this service, others may. Owners  of  
ATMs that we do not own may charge fees in addition to any fees disclosed in 
this  Agreement.  This  is  not  a  fee  charged  by  your  Credit  Union;  however,  any  
such fee will be added to your account. The party charging the fee is required to 
provide appropriate disclosures to you with regard to any such fees.

Promise To Pay.  You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all  purchases,  
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you  
authorize to use the Card; (b) all Interest Charges and all other charges or fees; 
(c) collection costs and attorney's fees as permitted by applicable law, and any 
costs incurred in the recovery of the Card; and (d) credit in excess of your credit 
limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and that any such use will constitute an event of default under this 

Agreement. We may decline any transaction that we believe to be illegal under 
applicable law, including but not limited to any transaction involving or relating to 
any gambling activity. You agree that we will have no liability or responsibility for 
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such  
transaction.  You  further  agree  to  indemnify  and  hold  us  harmless  from  any  
suits,  liability,  damages  or  adverse  action  of  any  kind  that  results  directly  or  
indirectly  from  such  illegal  use.  You  promise  to  pay  us  any  and  all  amounts  
owing on your Card for any transactions made by you, even if the transaction is 
determined to be illegal.

Joint  Accounts.  Each  of  you  will  be  responsible,  jointly  and  severally,  for  the  
repayment of amounts owed, regardless of who initiated any transaction under 
the account.

Others  Using  Your  Account.  If  you  allow  anyone  else  to  use  your  account,  
you will be liable for all credit extended to such persons. You promise to pay for 
all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your  
account, whether or not you notify us that he or she will be using it. If someone 
else  is  authorized  to  use  your  account  and  you  want  to  end  that  person's  
privilege, you must notify us in writing, and if he or she has a Card, you must 
return that Card with your written notice for it to be effective. 

You  shall  have  sole  responsibility  for  notifying  us  in  writing  regarding  
cancellation of charging privileges of authorized user(s). You shall return to us 
the  Card  upon  cancellation.  You  shall  be  responsible  for  any  and  all  charges  
made prior to the return of the Card to us.

Ownership of Card. Your Card remains our property and may be cancelled by 
us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to  
discontinue use of the account immediately upon our request.

Interest Charges. You  agree  to  pay  interest  at  the  rate(s)  disclosed  to  you  at  
the  time  you  open  your  account  and  as  may  be  changed  from  time  to  time  in  
accordance  with  applicable  law.
 Average  Daily  Balance  including  new
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance  
outstanding  during  the  month.  To  get  the  average  daily  balance,  we  take  the  
beginning balance each day, add any new purchases, cash advances, balance 
transfers, insurance premiums, debt protection fees or other fees or advances, 
and subtract any payments, unpaid interest charges, and unpaid late charges. 
This gives us the daily balance. Then, we add up all the daily balances for the 
billing cycle and divide that by the number of days in the billing cycle. We then 
multiply that by the periodic rate corresponding to the Annual Percentage Rate 
on  your  account.  If  you  have  different  rates  for  purchases,  cash  advances  or  
balance  transfers,  separate  average  daily  balances  for  each  will  be  calculated  
and the appropriate periodic rate is then applied to each.

Grace Period on Purchases Only: You can avoid Interest Charges on purchases 
by paying the full amount of the new balance for purchases each month by the 
date on which the payment is due. Otherwise, the new balance of your account, 
and subsequent advances from the date they are posted to the account, will be 
subject  to  an  Interest  Charge.  You  cannot  avoid  Interest  Charges  on  cash  
advances  and  balance  transfers;  even  if  you  pay  the  entire  cash  advance  
balance or balance transfer balance by the payment due date, you will incur the 
Interest Charges accrued from the date the cash advance or balance transfer is 
posted to your account.

Fees. In addition to the Interest Charges set forth above, you agree to also pay 
any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-  Lending  
Statement or similar disclosures (as may be amended from time to time), or as 
disclosed to you during the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You  
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an  
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or  
apparent authority for such use, and from which you receive no benefit. The 
telephone  number  to  call  is  (866)  820-6784  for  Preferred  No  Frills  Visa  and  
Platinum  Secured  Visa  or  (855)  687-1965  for  Visa  Signature.  You  agree  to  
follow  up  your  call  with  notice  in  writing  to  us  at:  737  Plantation  Road,  
Lancaster,  SC  29720.  You  also  agree  to  assist  us  in  determining  the  facts,  
circumstances and other pertinent information relating to any loss, theft or 

9011 LASER XFM FI1001785 10-2020

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

possible  unauthorized  use  of  your  Card  and  comply  with  such  procedures  as  
we  may  require  in  connection  with  our  investigation.  You  will  be  liable  for  any  
unauthorized  use  only  if  we  can  prove  that  you  were  negligent  in  your  use  or  
handling of your Card, or if we can prove that you used your Card fraudulently.

Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the  
amount and on the date disclosed on your billing statement. If your payment is 
received by us on a business day at the address on the billing statement and by 
the time designated on the billing statement, it will be credited to your account 
on  the  date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  
address designated on the periodic statement, credit for such payment may be 
delayed  until  payment  is  received  and  processed.  Payments  will  be  applied  in  
any order we determine, subject to applicable law.

Skip Payment Option.  At  our  option,  we  may  offer  you  the  opportunity  to  not  
make (“skip”) a minimum payment during certain designated billing cycles (“skip 
payment period”). If you choose this skip payment option and do not make your 
minimum  payments  as  provided  in  this  Agreement,  during  such  designated  
billing cycles, you understand that we will continue to apply finance charges to 
your Account. Beginning with the billing cycle following an allowed skip payment 
period, the original terms of this Agreement will apply.  We have no obligation to 
accept your application for any skip payment period offered, and you authorize 
us  to  investigate  your  creditworthiness  including  obtaining  consumer  credit  
reports. We may charge you an application processing fee of up to $35 for each 
skip payment period that we may offer to cover our costs of investigating your 
qualifications for this extension including but not limited to the costs associated 
with researching your creditworthiness.  

Default; Acceleration; Credit Suspension; Collection Costs.  You  will  be  in  
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises you have made under this Agreement or under other Agreements you 
have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in  bankruptcy  or  have  a  
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any  
insolvency, receivership or custodial proceeding; (5) if anyone attempts to take 
any of your funds held by us via legal process or if you have a judgment or tax 
lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  misleading  
statements  in  any  credit  application  or  credit  update;  (7)  if  we,  in  good  faith,  
believe  that  your  ability  to  repay  what  you  owe  is  or  soon  will  be  impaired,  or  
that you are unwilling to make your payments; or (8) if you use or authorize the 
use of any Card(s) to make or facilitate any illegal transaction.

If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded,  you  agree  to  continue  paying  interest  charges  and  fees  until  what  
you owe has been paid, and any funds on deposit that were given as security 
for  your  account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all  
reasonable  costs  of  collection,  including  court  costs  and  attorney's  fees,  and  
any costs incurred in the recovery of the Card, subject to applicable law. Even if 
your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit  
available during any time that any aspect of your account is in default.

Suspension  of  electronic  services  and  access  to  funds  on  deposit  
accounts.  Subject  to  applicable  law,  we  may  suspend  some  or  all  electronic  
services  and  access  to  your  checking  or  other  account(s)  if  you  become  
delinquent on any of your credit card or deposit obligations to us, you cause a 
loss to us, or other reasons disclosed in the Membership Agreement. We shall 
not  be  liable  to  you  in  any  regard  in  connection  with  such  suspension  of  
services.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer  
additional services to your Account at no additional cost to you. You understand 
that  we  are  not  obligated  to  offer  such  services  and  may  withdraw  or  change  
them at any time.

Convenience Checks.  We  may,  at  our  discretion,  issue  checks  to  you  which  
may  be  used  for  any  purpose  other  than  making  a  payment  for  credit  to  your  
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the  
amount  indicated  and  post  such  amount  as  a  cash  advance  to  your  account.  
We do not have to pay any item which would cause the outstanding balance in 
your account to exceed your credit limit.

Foreign Transactions; Currency Conversion. Purchases and cash advances 
made in foreign currencies will be billed to you in U.S. dollars. The conversion 
rate in dollars will be a rate selected by the card company from a range of rates 
available  in  wholesale  currency  markets  for  the  applicable  central  processing  
date, which rate may vary from the rate the card company itself receives, or the 
government-mandated rate in effect for the applicable central processing date in 
each  instance.  All  transactions  processed  outside  of  the  United  States  (which  
may  include  internet  transactions)  will  be  charged  a  foreign  transaction  fee  in  
the  amount  disclosed  on  your  Truth-in-Lending  Statement  (as  amended  from  
time to time).

Transaction  Slips.  Your  monthly  statement  will  identify  what  merchant,  
electronic  terminal  or  financial  institution  at  which  transactions  were  made.  
Sales,  cash  advance,  credit  or  other  slips  cannot  be  returned  with  the  
statement.

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this  
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this  
Agreement  by  written  notice.  Termination  by  either  party  shall  not  affect  your  
obligation to repay any balance on your account resulting from use of the Card 
as well as Interest Charges and fees incurred. We may change the terms of this 
Agreement,  including  the  method  of  calculating  the  periodic  rate  or  lowering  
your credit limit, at any time, by written notice, subject to applicable law. Use of 
the Card constitutes agreement and acceptance of any change in terms, unless 
applicable law requires otherwise. Our failure to exercise any of our rights or to 
take any action shall not constitute a waiver of those rights, or an amendment 
or change in any of the terms of this Agreement.

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your  
balance will increase your total interest costs. Partial payments or prepayments 
will  not  delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the  
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your  
account  current.  We  may  accept  late  payments,  partial  payments,  checks  or  
money orders marked "payment in full" and such action shall not constitute final 
settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  amounts  owing  
under this Agreement.

Enforcement. We do not lose our rights under this or any related agreement if 
we  delay  enforcing  them.  If  any  provision  of  this  or  any  related  agreement  is  
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full  
force and effect.

Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card  may  
give credit for returns or adjustments, and they will do so by submitting a credit 
slip which will be posted to your account. If your credits and payments exceed 
what you owe us, the amount will be applied against future purchases and cash 
advances. If the credit balance amount is $1 or more, it will be refunded upon 
your written request or automatically after six months.

Plan Merchant Disputes.  We  are  not  responsible  for  the  refusal  of  any  plan  
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not  
responsible  for  goods  or  services  that  you  purchase  with  the  Card  unless:  (a)  
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or  
participated in sending you; or (b) your purchase cost more than $50 and was 
made from a plan merchant in your state or within 100 miles of your home; and 
only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to  obtain  
satisfaction from the plan merchant. You must resolve all other disputes directly 
with  the  plan  merchant.  We  do  not  warrant  any  merchandise  or  services  
purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the 
most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to  receive  
such  documents  via  electronic  means)  you  have  given  us.  Notice  sent  to  any  
one of you will be considered notice to all.

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change  
your address for any reason. In order to prevent identity theft, your identity may 
need to be verified before we act upon the notification.

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this  
Agreement.

Credit Information. We  may  from  time  to  time  request  personal  information  
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the  
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such  
information  when  requested  by  us  may  result  in  suspension  of  credit  
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future  
advances by any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose  
information regarding your account to credit bureau and creditors who inquire 
about your credit standing.

Governing  Law.  This  Agreement  shall  be  construed  under  federal  law  and  
state law in the state in which we are primarily located, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating  
regulations of Visa may also apply. This Agreement is the contract that applies 
to  all  transactions  even  though  the  sales,  cash  advance,  convenience  check,  
credit or other slips you sign or receive may contain different terms.
NOTICE TO UTAH BORROWERS: This written agreement is a final expression 
of  the  agreement  between  you  and  the  Credit  Union.  This  written  agreement  
may not be contradicted by evidence of any oral agreement.

9011 LASER XFM FI1001785 10-2020

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”)), and (a) your loan is unsecured or secured by personal property or a vehicle 
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection 
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
this notice verbally, please call 1-800-845-1614 during our normal business hours.
This loan will not be secured by a consensual lien on funds on deposit in any of your accounts unless you agree to establish an account in connection 
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
provision  contained  in  your  loan  or  account  documents  will  not  apply  to  the  Secured  Account  or  your  other  funds  on  deposit  accounts  for  any  loan  
subject to the Military Lending Act.
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.

2.

3.

Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to 
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
you in order to exercise your legal rights; or (d) Prepayment penalties.

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to these 
disclosures  or  the  MLA  (as  they  may  be  changed  or  amended  from  time  to  time)  are  inapplicable  with  regard  to  this  loan.  However,  all  other  terms  and  
conditions of the consumer credit contract shall remain in full force and effect.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es) 
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is  
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have 
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as  
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may  
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible 
for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or 
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount 
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a  
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you 
owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  
write to us within 25 days telling us that you still refuse to pay. If you do so, 
we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are  
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we  
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 
the purchase.

To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100  
miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your  
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  
purchase, contact us in writing at the address(es) listed on your statement.

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our  
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

9011 LASER XFM FI1001785 10-2020

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.