CREDIT CARD AGREEMENT

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Rates 
and  Terms  Disclosure.  The  “Fee  Schedule”  means  the  Consumer  Services  Fee  Schedule.  The  Disclosure  and  Fee 
Schedule are incorporated into this Consumer Credit Card Agreement and are part of the Agreement. In this Agreement 
the words "you," “your,” and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means 
the Visa credit card and any duplicates, renewals, or substitutions San Diego County Credit Union (SDCCU®) issues to 
you;  "account"  means  your  Visa  credit  card  line-of-credit  account  with  SDCCU;  and  "Credit  Union"  and  “we”  means 
SDCCU® or anyone to whom SDCCU transfers this Agreement. 
1.  CONSENT  TO  CONTACT  —  You  consent  to  receiving  calls  or  texts  from  SDCCU  for  any  purpose  (including 
servicing,  fraud  alerts,  debt  collection,  telemarketing,  etc.)  on  any  phone  number  you  provide,  including  via  automatic 
telephone dialing system and/or artificial or pre-recorded voice. You understand you do not have to agree to receive such 
calls on a cell phone number as a condition of doing business with SDCCU, in which case you will only provide a land line 
number. 
2.  USING YOUR ACCOUNT — If you are approved for an account, SDCCU will establish a line of credit for you. You 
agree that your credit limit is the maximum amount (purchases, balance transfers, cash advances, finance charges, plus 
"other  charges")  which  you  will  have  outstanding  on  your  account  at  any  time.  SDCCU  may,  as  a  courtesy  and  at  our 
discretion, approve a charge that exceeds your credit limit. No over limit fee will be imposed unless you have agreed to 
such a service. If SDCCU has a program whereby it allows payment of advances that exceed your credit limit, subject to a 
fee, SDCCU will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the 
paragraph  entitled  “Statements  and  Notices”)  explaining  your  right  to  opt  in  to  SDCCU’s  program  whereby  it  will  honor 
advance  requests  over  the  credit  limit.  In  the  event  you  opt  in  to  such  a  program,  you  agree  to  the  terms  of  such  a 
program. You may request an increase in your credit limit only by a method acceptable to SDCCU. SDCCU may increase 
or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not 
prohibited  by  law.  If  you  are  permitted  to  obtain  cash  advances  or  balance  transfers  on  your  account,  the  maximum 
allowed  may  be  less  than  your  credit  limit  as  disclosed  in  the  Disclosure  and  Fee  Schedule.  From  time  to  time, 
convenience checks or other such devices may be issued or  provided to you that may be drawn on your account. The 
checks or devices may not be used to make a payment on your account balance. If you use a check or other device, it will 
be posted to your account as a cash advance or balance transfer. We reserve the right to refuse to pay a check or other 
device drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You  may  request  that  we  stop  the  payment  of  a  check  or  device  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment. You may make a stop payment request orally, if permitted, or in writing. Your request must be 
made  with  sufficient  time  in  advance  of  the  presentment  of  the  check  or  device  for  payment  to  give  us  a  reasonable 
opportunity  to  act  on  your  request.  In  addition,  your  request  must  accurately  describe  the  request  including  the  exact 
account number, the payee, any check number that may be applicable, and the exact amount of the request. If permitted, 
you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request 
in  writing  within  that  time.  Written  stop  payment  orders  are  effective  only  for  six  (6)  months  and  may  be  renewed  for 
additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be  renewed.  We  are  not  required  to 
notify you when a stop payment order expires. If we re-credit your account after paying a request over a valid and timely 
stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights 
against the payee or other holders of the request and to assist us in any legal action. You agree to indemnify and hold us 
harmless  from  all costs  and  expenses,  including  attorney's  fees, damages, or claims,  related  to  our  honoring  your  stop 
payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of 
inadequate time to act upon a stop payment request.  
3.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement  of  receipt  and  agreement  to  the  terms  of  the  Credit  Card  Agreement,  Disclosure  and  Fee  Schedule. 
You may use your card to make purchases from merchants and others who accept your card. SDCCU is not responsible 
for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the 
Internet, you may be required to provide card number security information before you will be permitted to complete the 
transaction.  In  addition,  you  may  obtain  cash  advances  from  SDCCU,  from  other  financial  institutions  that  accept  your 
card,  and  from  some  automated  teller  machines  (ATMs).  (Not  all  ATMs  accept  your  card.)  If  SDCCU  authorizes  ATM 
transactions  with  your  card,  it  will  issue  you  a  personal  identification  number  (PIN).  To  obtain  cash  advances  from  an 
ATM,  you  must  use  the  PIN  issued  to  you  for  use  with  your  card.  You  agree  that  you  will  not  use  your  card  for  any 
transaction that is illegal under applicable federal, state, or local law. If you use your card for an illegal transaction, you will 
be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash 

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved 

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advances  on  your  account,  you  may  also  use  your  card  to  purchase  instruments  and  engage  in  transactions  that  we 
consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are 
not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph 
shall not be interpreted as permitting or authorizing any transaction that is illegal. 
4.  PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of checks 
or  devices  or  any  other  charge)  made  to  your  account  by  you  or  anyone  you  authorize  to  use  your  account.  You  also 
promise to pay all finance charges and other charges added to your account under the terms of this Agreement or another 
agreement you made with SDCCU. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your 
account. 
5.  PERIODIC RATES — The periodic rates applicable to purchases, cash advances and balance transfers are disclosed 
on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment 
by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If 
the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash 
advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this 
Agreement.  The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory  discounted  rate 
(Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate 
applies to your account, the rates and the period of time it will be effective are shown on the Disclosure accompanying this 
Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would 
ordinarily apply for that type of transaction based on the terms of this Agreement.  
6.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances and balance transfers from the date you get the cash or advance. 
The  finance  charge  is  calculated  separately  for  purchases,  balance  transfers  and  cash  advances.  For  purchases,  the 
finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  calculate  the 
average  daily  balance  of  purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new 
purchases and subtract any payments and/or credits. This gives us the daily balance of purchases. We then add all of the 
daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. 
This gives us the average daily balance of purchases.  
For cash  advances,  the  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
7.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international  transactions  is  a  rate  selected  by  the  processing  network  from  a  range  of  rates  available  in  wholesale 
currency  markets  for  the  applicable  central  processing  date,  which  rate  may  vary  from  the  rate  the  processing  network 
itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate 
used  on  the  processing  date  may  differ  from  the  rate  that  would  have  been  used  on  the  purchase  date  or  cardholder 
statement posting date.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. 
consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
8.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  or  Fee  Schedule  accompanying  this 
Agreement. Fees include, but are not limited to, the following. 
a.  Participation  Fee.  If  your  account  is  subject  to  a  Participation  Fee  such  as  the  SDCCU  Fly  Miles™  Plus  Rewards 
Fee, the fee will be described in the Disclosure or Fee Schedule accompanying this Agreement.  
b.  Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), a 
fee  will  be  charged  to  your  account  when  you  transfer  a  balance  from  an  account  of  another  creditor  to  the  account 
subject to this Agreement. 

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c.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), a fee will 
be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  SDCCU  or  other  financial  institution  or 
advance deemed a cash advance. 
d.   Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee will be charged to your account for transactions made outside of the United States or in a foreign currency. 
e.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure or Fee Schedule accompanying this Agreement. 
f.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned to you for any reason. 
g.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when the request is made in connection with a billing error made by SDCCU, a fee may be charged to your account for 
each copy of a sales draft or statement you request. 
h.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by SDCCU. 
i.  Card Rush Fee.  If  your account  is  subject  to  a Card  Rush  Fee,  except  as  limited  by  applicable  law,  a  fee  may  be 
charged to your account for each rush card that you request, providing delivery of the card is also available by standard 
mail service, without paying a fee for delivery.  
j.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
k.  Returned Convenience Check Fee. If your account is subject to the Returned Convenience Check Fee, a fee will be 
charged to your account as disclosed on the Disclosure or Fee Schedule accompanying this Agreement. 
l.  Convenience Check Stop Payment Fee. If your account is subject to the Convenience Check Stop Payment Fee, a 
fee will be charged to your account as disclosed on the Disclosure or Fee Schedule accompanying this Agreement. 
m.  ATM Fees. If your account is subject to ATM Fees, the Fee(s) will be charged to your account as described in the 
Disclosure or Fee Schedule accompanying this Agreement. 
9.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  3.00%  of  your  total  new 
balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made and any 
amount you are over your credit limit. SDCCU also has the right to demand immediate payment of any amount by which 
you are over your credit limit.  
10.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe SDCCU in 
any  manner  SDCCU  chooses.  However,  in  every  case,  in  the  event  you  make  a  payment  in  excess  of  the  required 
minimum  periodic  payment,  SDCCU  will  allocate  the  excess  amount  first  to  the  balance  with  the  highest  annual 
percentage  rate  and  any  remaining  portion  to  the  other  balances  in  descending  order  based  on  applicable  annual 
percentage rate.  
11.  SECURITY INTEREST — You grant SDCCU a security interest under the Uniform Commercial Code and under any 
common  law  rights  SDCCU  may  have  in  any  goods  you  purchase.  If  you  give  SDCCU  a  specific  pledge  of  shares  by 
signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that 
have been specifically pledged to secure your account until SDCCU agrees to release all or part of the pledged amount.  

Your account is secured by all other shares you have in any individual or joint account with SDCCU, except 
for shares in an Individual Retirement Account or in any other account that would lose special tax treatment 
under  state  or  federal  law  if  given  as  security  or  except  as  prohibited  by  law.  These  other  shares  may  be 
withdrawn  if  you  are  in  default  under  this  agreement.  You  authorize  SDCCU  to  apply  the  balance  in  your 
individual or joint share accounts to pay any amounts due on your account if you should default. 

Collateral  securing  other  loans  you  have  with  SDCCU  may  also  secure  this  loan,  except  that  a  dwelling  will  never  be 
considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
12.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that SDCCU believes may substantially reduce your ability to repay what you owe. 

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When you are in default, SDCCU has 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 finance charges at the periodic rate charged 
before default, until what you owe has been paid, and any shares that were given as security for your account may be 
applied towards what you owe. 
13.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately, orally or in writing, at PO Box 261209, San Diego, CA 92196-1209 or telephone (877) 732-2848 seven (7) 
days  a  week,  24  hours  a  day,  of  the  loss,  theft  or  unauthorized  use  of  your  credit  card.  You  may  be  liable  for  the 
unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, 
theft,  or  possible  unauthorized  use.  You  will  have  no  liability  for  unauthorized  transactions  made  with  your  credit  card, 
unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50. 
14.  CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As  permitted  by  law,  SDCCU  may  change  the  terms  of  this 
Agreement  and  any  attached  Disclosure  or  Fee  Schedule  from  time  to  time.  Notice  of  any  change  will  be  given  in 
accordance  with  applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your 
existing account balance as well as to future transactions. 
Either you or SDCCU may terminate this Agreement at any time, but termination  by you or SDCCU will not affect your 
obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation 
to pay the account balance plus any finance and other charges you owe under this agreement is subject to all applicable 
laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions  made  to  your 
account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of SDCCU and you must recover and surrender to SDCCU all cards 
upon request or upon termination of this Agreement whether by you or SDCCU. If this is a joint account, the paragraph on 
JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
15.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
16.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize SDCCU to investigate your credit standing 
when opening or reviewing your account. You authorize SDCCU to disclose information regarding your account to credit 
bureaus  and  creditors  who  inquire  about  your  credit  standing.  If  your  account  is  eligible  for  emergency  cash  and/or 
emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide  personal 
information about you and your account that is necessary to provide you with the requested service(s). 
17.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending SDCCU a credit slip which will be posted to your account. If your credits and 
payments exceed what you owe SDCCU, the amount will be applied against future purchases, balance transfers and cash 
advances or the amount may be transferred to your primary savings account.  
18.  ADDITIONAL BENEFITS/CARD ENHANCEMENTS —SDCCU may from time to time offer additional services to your 
account, such as travel accident insurance, at no additional cost to you. You understand that SDCCU is not obligated to 
offer such services and may withdraw or change them at any time. 
19.  MERCHANT DISPUTES — SDCCU is not responsible for the refusal of any merchant or financial institution to honor 
your card. SDCCU is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase 
with  the  card  if  you  have  made  a  good  faith  attempt  but  have  been  unable  to  obtain  satisfaction  from  the  merchant  or 
service  provider,  and  (a)  your  purchase  was  made  in  response  to  an  advertisement  SDCCU  sent  or  participated  in 
sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 miles of your home. 
20.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that SDCCU can require any one of you individually to repay the entire 
amount owed under this Agreement. Each of you authorizes the other(s) to make purchases, cash advances or balance 
transfers individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
21.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, balance transfers, credit or other slips you sign or receive may contain different terms. 
22.  NO WAIVER — SDCCU can delay enforcing any of its rights any number of times without losing them. 
23.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  delivered  to  you  at  the  appropriate  address  you 
have given SDCCU. Notice sent to any one of you will be considered notice to all.  
24.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement,  Disclosure  and  Fee  Schedule  are  the  final 
expression of the terms and conditions of your account. This written Agreement may not be contradicted by evidence of 
any alleged oral agreement. Should any part of this Agreement be found to be invalid or unenforceable, all other parts of 
this Agreement shall remain in effect and fully enforceable to the fullest extent possible under this Agreement. 

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25.  COPY  RECEIVED  —  You  acknowledge  that  you  have  received  a  copy  of  this  Agreement,  Disclosure  and  Fee 
Schedule. 
26.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
SDCCU. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
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. 
29.  SPECIAL RULES FOR CALIFORNIA RESIDENTS  — If you are a California resident, our right to recover any credit 
extended through the use of your credit card in making purchases from a retailer is subject to good faith defenses which 
you  have  properly  asserted  as  a  buyer  under  California  law  against  the  retailer  from  whom  the  cardholder  made  the 
purchases  if:  (a)  the  purchase  price  of  the  time  as  to  which  a  defense  is  asserted  exceeds  $50;  (b)  the  purchase  was 
made within the State of California; (c) you have made a written demand upon the retailer with respect to the purchase 
and attempted in good faith to obtain reasonable satisfaction from the retailer; and (d) you give us written notice specifying 
the retailer, the date of purchase, the purchase price, the goods or services purchased, the nature of your defense with 
respect to the transaction, as well as the action which you have taken in attempting to obtain satisfaction from the retailer. 
30.  ARBITRATION — You and We agree that any and all claims arising from or relating to this Agreement and/or any 
loan or service provided by Us shall be subject to binding arbitration under the Federal Arbitration Act (“FAA”). Subject to 
the exclusions specifically identified below, this includes all claims, including those based on contract, tort, equity, statute, 
or otherwise, as well as claims regarding the scope and enforceability of this provision. It includes all claims by or against 
You,  Us,  and/or  any  others  providing  or  receiving  any  loan  or  service  related  to  this  Agreement.  We  agree  that  this 
Agreement affects or involves interstate commerce. Specifically excluded from arbitration are self-help remedies, such as 
repossession, and claims subject to the jurisdiction of small claims court.  

A  single  Arbitrator  shall  decide  all  claims  subject  to  this  provision  and  shall  render  a  final,  written  decision.  You  may 
choose the American Arbitration Association (“AAA”), Judicial Arbitration and Mediation Service (“JAMS”), or other similar 
arbitration service provider acceptable to Us to administer the arbitration. Consistent with the FAA, the appropriate AAA 
rules, JAMS rules, or other service provider rules shall apply, as determined by the Arbitrator. For AAA and JAMS, these 
rules are found at www.adr.org and www.jamsadr.com. Unless otherwise agreed by the parties, the arbitration shall take 
place within San Diego County.  

Each party to the arbitration shall pay his, her, or its own costs of arbitration. If You cannot afford the arbitration costs, You 
may apply for a waiver under the relevant arbitration rules. If the arbitration service provider does not waive Your costs of 
arbitration, We will consider paying all or a portion or Your costs of arbitration if You can establish that You cannot afford 
them.  

The parties waive any right to bring representative claims on behalf of a class of individuals, on behalf of the public, as a 
private attorney general, or otherwise (the “class action waiver”). Except for this class action waiver, this provision should 
be severed or modified if necessary to render it enforceable.  

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us: 

San Diego County Credit Union 
PO Box 261209 
San Diego, CA 92196-1209 

In your letter, give us the following information: 
  -  Account information: Your name and account number. 
  -  Dollar amount: The dollar amount of the suspected error. 
  -  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 
  -  Within sixty (60) days after the error appeared on your statement. 
  -  At  least  three  (3)  business  days  before  an  automated  payment  is  scheduled,  if  you  want  to  stop  payment  on  the 

amount you think is wrong. 

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You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required 
to investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
  1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have 

already corrected the error. 

  2. Within 90 days of receiving your letter, we must either correct  the error or explain to you why we believe the bill is 

correct.  

While we investigate whether or not there has been an error: 
  -  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  -  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  -  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  -  We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen: 
  -  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

  -  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that 
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those 
organizations know when the matter has been settled between us. 
If we do not follow all 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. 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.) 

  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check or device that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] 
us: 

San Diego County Credit Union 
PO Box 261209 
San Diego, CA 92196-1209 
sdccu.com 

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. 
NOTICE  OF  NEGATIVE  INFORMATION  —  Federal  law  requires  us  to  provide  the  following  notice  to  members  before 
any  “negative  information”  may  be  furnished  to  a  nationwide  consumer  reporting  agency.  We  may  report  information 
about  your  account  to  credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  account  may  be 
reflected in your credit report. 

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