KINECTA FEDERAL CREDIT UNION 

KINECTA MYPERKS MASTERCARD 
CREDIT CARD AGREEMENT AND DISCLOSURE 

IMPORTANT – Retain for your records 
Effective: 4/14/2017 

CARD AGREEMENT 

This Kinecta MyPerks MasterCard Credit Card Agreement and Disclosure (“Agreement”) is your contract with us. The Pricing 
Information  Table  below  is  a  part  of  this  Agreement  and  shows  important  information  about  your  Account,  such  as  your  Annual 
Percentage Rate and certain fees. Any amendments to this Agreement are also part of this Agreement.  Please read all parts of this 
Agreement and keep it for your records. 

PRICING INFORMATION TABLE 

Interest Rates and Interest 
Charges 

Annual Percentage Rate (APR) 
for Purchases 

10.74 to 18.00% when you open your account, based on your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

10.74 to 18.00% when you open your account, based on your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

12.74 to 18.00% when you open your account, based on your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

18.00% 

This APR may be applied to your account if you: 
1) Make a late payment; 
2) Go over your credit limit twice in a six month period 
3) Make a payment that is returned. 
How Long Will the Penalty APR Apply?: If your APRs are increased for any of these 
reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments 
when due. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
interest on purchases and balance transfers if you pay your entire balance by the due date 
each month. We will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 
Annual Fee 

None 

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Transaction Fees 

  Balance Transfer 

3% of the amount of each transfer ($10 minimum) 

  Cash Advance 

3% of the amount of each cash advance or $10, whichever is greater ($100 maximum) 

  Foreign Transaction 

1.0% of each transaction in U.S. dollars. 

Penalty Fees 

  Late Payment 

  Returned Payment 

Up to $20 

Up to $25 

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of this 
Agreement. 

Index 

Details About Your Interest 
Rates and Interest Calculations 
4.00% 
Purchases 
4.00% 
Balance Transfers 
4.00% 
Cash Advances 
n/a 
Penalty APR 
(M) = Monthly periodic rate.  A monthly periodic rate is the APR divided by 12. 

6.74 -14.99% 
6.74 -14.99% 
8.74 – 16.99% 
n/a 

Margin 

Periodic Rate 

0.90 – 1.50% (M) 
0.90 – 1.50% (M) 
1.06 – 1.50% (M) 
1.5% 

Corresponding Annual 
Percentage Rate (APR) 
10.74 – 18.00% 
10.74 – 18.00% 
12.74 – 18.00% 
18.00% 

The following definitions apply to this Agreement: 

DEFINITIONS 

  ACCOUNT: The line of credit associated with your Kinecta MyPerks MasterCard Credit Card Account with us. 
  ACCOUNT BALANCE: All authorized charges, plus any finance charges assessed on your Account, plus any other fees  

and charges which you owe to us under the terms of this Agreement. 

  AUTHORIZED USER:  Any person you allow to use your Account with a Card we provided with that person’s name. 
  BILLING  PERIOD:  The  period  of  time  between  each  date  when  we  create  a  periodic  statement  for  your  Account.    A  
Billing  Period  is  usually  28-33  days.  For  each  Billing  Period,  your  statement  will  show  any  Transactions,  other  charges, 
payments and other credits posted during that Billing Period. 

  CARD: The Kinecta MyPerks MasterCard Credit Card issued to you (and any duplicates and renewals we may issue) used  

to access your Account to obtain credit. 

  CONSUMER REPORTING AGENCY: An organization, such as Experian, Equifax and TransUnion, that compiles credit 
information  for  the  purpose  of  generating  consumer  credit  reports.  It  is  also  known  as  a  “credit  bureau”  and  a  “credit  
reporting agency.” 

  LATE PAYMENT: A payment is late if you do not pay at least an amount equal to the Minimum Monthly Payment by the 

Payment Due Date. 

  RETURNED PAYMENT:  A payment that is not honored by your financial institution. 
  TRANSACTION:  A Purchase, Balance Transfer or Cash Advance, as applicable. 
  YOU, YOUR, and YOURS: Each and all of those who apply for or use the Card and/or Account. 
  WE, US, OUR and CREDIT UNION:  KINECTA FEDERAL CREDIT UNION. 

BINDING AGREEMENT: This Agreement takes effect once you activate your Card. Even if you do not use your Card, this 
Agreement will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement. 

YOUR ACCOUNT 

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ACCOUNT  USE:  Your Account use is subject to this Agreement. All Transactions are subject to our approval. You may  use your 
Card to purchase goods and services in person, online, and by mail or telephone from merchants and others who accept MasterCard 
credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions or select merchants 
participating in the MasterCard program and from automated teller machines (ATMs) that provide access to the MasterCard system. 
Not all  merchants or ATMs provide  such access. You  will need to use  your Personal Identification Number (PIN) to obtain a cash 
advance from an ATM. A PIN may be obtained by calling (888) 891-2435. Finally, you may use your Account to transfer balances 
from  other  creditors,  provided  that  we  approve  your  request.  Balance  Transfers  are  subject  to  a  $500  minimum  transfer  amount 
requirement. 

RESPONSIBILITY: You must pay us for all amounts due on your Account, including: (1) Transactions you make, even if you did 
not present your Card or sign for the Transaction; (2) Transactions an Authorized User makes; (3) Transactions that other people make 
if  you or an Authorized User let them  use  your  Account;  and (4) any  fees and interest  charges on the  Account.  Your agreement  to 
repay us extends to the use of the Account by you or any other person you permit to use the Account, even if that person exceeds your 
permission.  You  cannot  disclaim  responsibility  by  notifying  us,  although  we  will  close  the  Account  if  you  so    request.    Your  
obligation to pay the Account Balance continues even though an agreement, divorce decree, or other court judgment to which we are 
not a party may direct someone else to pay the Account Balance. The Cards remain our property and you must recover and surrender 
to us all Cards upon our request and/or upon termination of this Account. 

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  we  can  require  any  one  of  you  individually  to  repay  the  Account  Balance.  Each  of  you 
authorizes the other to make Transactions individually. Any one of you may close the Account and such closure will be effective as to 
all of you. You agree that all notices regarding the Account may be sent solely to the cardholder whose name and address appears on 
our billing records. If this is a joint account, neither party can be released from his or her obligations except upon the Credit Union’s 
approval. 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you must activate and sign the Card as soon as you receive it. 
However, your liability does not depend on whether or not you sign your Card. 

CREDIT  LIMIT  AND  CASH  ADVANCE  LIMIT:  We assign a Credit  Limit to  your Account.  Part of this  Credit  Limit  may be 
available for Cash Advances. Your Cash Advance Limit is 50% of your available credit. Your Credit Limit will be reflected on each 
periodic statement.  You agree to manage  your Account so that: (1) your  Account Balance (including fees and charges) is not  more  
than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. 
However,  if  your  Account  Balance  exceeds  your  Credit  Limit  or  Cash  Advance  Limit,  you  are  still  obligated  to  pay  us.  We  may 
increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement 
sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit 
Limit increase, you  must notify us immediately. You or  any co-borrower on the Account may request a change to the Credit Limit 
orally,  in  writing,  or  electronically,  but  any  such  request  must  be  approved  by  us.  If  your  Credit  Limit  is  increased,  you  are 
immediately  responsible  for  the  new  Credit  Limit  and  any  increase  in  the  Account  Balance  even  when  it  differs  from  an  amount 
previously agreed to orally or in writing. 

CONSUMER PURPOSES:  You may use your Account only for personal, family or household uses; you may not use the Account  
for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those 
Transactions. We may close your Account if we learn that you are using it for business purposes. 

UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a 
crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined 
in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or 
Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or 
activity.  Such  transactions  include,  but  are  not  limited  to,  any  quasi-cash  or  online  gambling  transaction,  any  electronic  commerce 
transaction conducted over an open network, and any betting  transaction including the  purchase of lottery tickets or  casino  gaming 
chips/checks  or  off-track  betting  or  wagering.  Display  of  a  payment  card  logo  by  an  online  merchant  does  not  mean  that  internet 
gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction 
described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account 
directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise 
any  rights  available  to  us,  including,  but  not  limited  to,  accelerating  your  Account  Balance  and  demanding  immediate  payment 
thereof. 

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MOBILE  PHONES  OR  OTHER  DEVICES:  Smart  phones,  tablets  and  other  electronic  devices  can  store  your  Card  (such  as 
through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered  
by  this  Agreement.  Apps  that  use  your  Card  to  make  Transactions  may  have  separate  terms  of  use.  We  are  not  responsible  if  you 
violate those terms, or for any consequences resulting from any violation. 

AGREEMENT AND BENEFIT CHANGES 

CHANGES  TO  THIS  AGREEMENT:  Account and Agreement terms are not guaranteed for any period of time. We may change  
this Agreement for any reason and at any time, subject to applicable law. This means that  we can change rates and fees that apply to 
your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we 
will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you 
fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change,  we may do so on  
your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if  you have 
agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account 
Balance as  well as to  future  Transactions. We  may change the terms of this  Agreement based on information in  your credit report, 
market conditions, business strategy or for any other reason. 

CHANGING BENEFITS: We reserve the right to change or discontinue any benefit, rewards program, service or feature offered in 
connection with your Account, at any time and for any reason. 

ANNUAL PERCENTAGE RATES AND INTEREST CHARGES 

MASTERCARD VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to 
your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our MasterCard program is a 
variable rate program, which means that your APR may increase or decrease each Billing Period while you maintain your Account 
with us.  The APR that applies to your Account may vary with changes to the U.S. Prime Rate.       The U.S. Prime Rate is the highest 
U.S.  Prime  Rate  published  in  The  Wall  Street  Journal  (the  “Index”).  In  the  event  that  the  U.S.  Prime  Rate  ceases  to  be  published, 
changes in your APR will be related to a comparable index and we will inform you on your periodic statement or through a separate 
notice. 

Your  APR  is  subject  to  change  each  Billing  Period  based  on  an  increase  or  decrease  in  the  Index.  We  calculate  your  APR  for 
Transactions by adding an amount,  which we call the Margin, to the Index in effect as of the 15th day of each month preceding the  
start  date  of  each  Billing  Period. These  dates  are  referred  to  by  us  as  “Adjustment  Dates.”  You  can  find  the  initial  Index,  Margin,  
Daily Periodic Rate and corresponding APR we use for your Account listed above in the section entitled Pricing Information Table. 

Your APR will increase if the Index increases and decrease if the Index decreases. If your APR increases, then your interest charges 
and Minimum Payment Due may increase. If the Index changes, we will apply the new variable APR starting from the first day of the 
Billing Period after we take the Index from The Wall Street Journal. The new APR will apply to existing balances, as well as balances 
added to your Account after the change. We may waive an increase in the APR when such an increase can be made, but such a waiver 
will not be construed as a waiver of our right to increase the APR at a future date when entitled to do so. 

There is no minimum APR that can apply during the term of this Agreement. The maximum APR that can apply during the term of  
this Agreement is 18.00%. There are no annual (or other) limitations on changes in the APR during the term of this Agreement. 

PENALTY  ANNUAL  PERCENTAGE  RATE:  If  you  have a late or returned payment that causes  your  Account to be sixty (60) 
days past due, we may apply a penalty APR to your Account. The penalty APR is 18.00% (corresponding Monthly Periodic Rate of 
1.5%). We will provide you notice of such penalty APR at least forty-five (45) days prior to the effective date of the penalty APR and 
such notice will inform you which future transactions and/or outstanding balances are subject to the penalty APR. 

Generally, the penalty APR will apply to future transactions that occur more than fourteen (14) days after we provide you notice of the 
penalty APR increase. The penalty APR will continue to apply until you make six (6) consecutive Minimum Monthly Payments when 
due  beginning  with  the  first  (1st)  payment  due  after  the  effective  date  of  the  increase.  However,  if  you  fail  to  make  a  Minimum 
Monthly  Payment  within  sixty  (60)  days  after  the  Payment  Due  Date,  the  penalty  APR  will  apply  to  all  outstanding  balances  and 
future transactions. In such event, after you make six (6) consecutive Minimum Monthly Payments when due beginning with the first 
(1st) payment due after the effective date of the increase, the penalty APR will no longer apply to those balances. 

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INTEREST CHARGES:  Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance 
shown  on  your  periodic  statement  by  the  Payment  Due  Date.  If  you  elect  not  to  pay  the  entire  Account  Balance  shown  on  your  
periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions 
from  the  previous  statement  closing  date  and  on  the  new  Transactions  from  the  date  of  posting  to  your  account  during  the  current 
Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account 
Balance is paid in full. 

We  calculate  interest  on  your  Account  each  Billing  Period  by  applying  the  Monthly  Periodic  Rate  to  the  Average  Daily  Balance 
(including new Transactions). The following explains how we do this. To get the Average Daily Balance: 

  We start with the beginning balance of your account each day. 
  We add any new Transactions, fees and other charges 
  We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. 
  This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the 

number of days in the Billing Period. This gives us the average daily balance. 

GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in 
full  by  the  Payment  Due  Date  shown  on  your  periodic  statement  each  Billing  Period.  We  call  this  a  grace  period  on  Purchases. 
Generally  you  will  have  at  least  a  25-day  grace  period  from  the  close  of  each  Billing  Period  to  pay  the  Account  Balance  without 
incurring  additional  interest.    The  Payment  Due  Date  disclosed  on  each  periodic  statement  provided  to  you  is  the  last  day  of  your  
grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the 
Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You 
also  will  not  have  a  grace  period  on  Purchases  again  until  you  pay  the  Account  Balance  in  full  by  the  Payment  Due  Date  two  (2) 
Billing Periods in a row. 

There is no grace period on Cash Advances. This means you will pay interest on Cash Advances from the date these transactions post 
to your Account. 

The following fees will be added to your Account, as applicable: 

FEE 

AMOUNT 

ABOUT THE FEE 

FEES 

Annual Cardholder Fee  None 

Late Payment Fee 

Up to $20 

Returned Payment Fee  Up to $25 

Minimum Interest 
Charge 

$1.00 

Cash Advance Fee 

3% of the amount of each Cash 
Advance  or  $10,  whichever  is 
greater ($100 maximum) 

You will be charged a Late Payment Fee if you do not pay at least an 
amount  equal  to  the  Minimum  Payment  Due  by  the  Payment  Due 
Date.  The  Late  Payment  Fee  is  $20  and,  if  you  make  another  late 
payment within the next six (6) Billing Periods the late fee will be 
$20. The amount of the Late Payment Fee will never be higher than 
your Minimum Payment Due. 

If  a  payment  that  was  applied  to  your  Account  is  returned  to  us 
unpaid for any reason, you will be charged a Returned Payment Fee 
of  up  to  $25.The  Returned  Payment  Fee  will  never  be  higher  than  
the Minimum Payment Due on the last Payment Due Date before the 
payment is returned. 

We charge a minimum interest charge  of $1.00 if the  total periodic 
finance  charge  is  less  than  $1.00.  We  add  the  additional  amount  to 
any balance that is assessed a periodic finance charge 

We charge you a fee for each Cash Advance. 

Balance Transfer Fee 

3% of the amount of each 
transfer ($10 minimum) 

We charge you a fee for each Balance Transfer. Balance Transfers 
are subject to a $500 minimum transfer amount. 

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Foreign Transaction 
Fee 

1% of each transaction in U.S. 
Dollars 

See section entitled “Foreign Transactions” below for additional 
details. 

Document Copy Fee 

Up to $12 for each sales draft, 
with one copy free per year 

Rush Card Fee 

Returned Convenience 
Check Fee 

$25 

$25 

If a copy of any periodic statement, sales draft or similar document 
is provided by us at your request (other than in connection with a 
billing error inquiry), a Document Copy Fee may be imposed by us 
on your Account. 

We will charge you a Rush Card Fee to rush each requested 
replacement card. 

We will charge you a Returned Convenience Check Fee if a 
Convenience Check cannot be paid. 

FOREIGN TRANSACTIONS:  Purchases, cash advances, and credits made in foreign currencies   will be billed to your Account in 
U.S. dollars. The conversion to U.S. dollars will be  made in accordance with the MasterCard operating regulations for international 
transactions.  In  the  event  that  an  international  transaction  is  converted  to  U.S.  dollars  the  exchange  rate  between  the  transaction 
currency and the billing currency used for processing  international transactions  will be:  (1) a rate  selected by MasterCard from  the 
range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate 
MasterCard itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The Credit Union 
has no control over the conversion rate. The rate in effect on the applicable processing date may differ from the rate on the date you 
used  your  Card.  When  a  credit  to  the  account  does  not  fully  offset  a  charge  to  the  account  due  to  changes  in  the  rate,  you  are 
responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an 
amount  equal  to  one  percent  (1%)  of  the  amount  of  the  Purchase,  Cash  Advance  or  ATM  transaction,  regardless  of  whether  the 
transaction requires a currency conversion. 

The above fees for the Billing Period will be shown on your periodic statement. 

PAYMENTS 

MINIMUM PAYMENT: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your 
periodic statement.  The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $25.00, whichever is greater;   or 
(2) your Account Balance if it is less than $25.00. In addition, you must pay any amount past due, any late charge and any amount 
over the Credit Limit. 

APPLICATION OF PAYMENTS:  We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the 
balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) periodic interest charges 
and  fees;  (2)  outstanding  balances  of  Cash  Advances,  Balance  Transfers,  and  Purchases  previously  billed,  starting  with  the  lowest  
APR first, and (3) current Cash Advances, Balance Transfers and Purchases, starting with the lowest APR first. If you pay more than 
the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject  
to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are 
paid in full. You must continue to make payments until you have paid the Account Balance in full. 

PAYMENT  INSTRUCTIONS:  You  must  follow  the  instructions  below  when  making  a  payment.  If  you  do,  we  will  credit  the 
payment to your Account as of the day we receive it. 

  Payments should be sent to Kinecta Federal Credit Union, Attention: Card Services Department, P.O. Box 60083, City of 

Industry, CA 91716. 

  We must receive your payment on or before the Payment Due Date in order for your Account to be credited by the Payment 

Due Date. 

  You must pay in U.S. Dollars. 
  You must use a check or electronic debit issued by a financial institution in the United States (do not mail cash). 
  You must not send us a check dated after the date that we receive it. 
  You must not enclose more than one check per envelope. 
  You must not include any restrictive endorsements on the check. 
  You must follow any additional payment instructions shown on your periodic statement. 

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If  you do not pay in U.S. Dollars and  we accept  your payment,  we  will select the currency conversion rate, and  you  must pay our  
costs.  If  you  do  not  follow  our  payment  instructions,  we  may  not  accept  your  payment,  or  there  may  be  a  delay  in  crediting  your 
Account. Either may result in late fees and additional interest charges to your Account.  If you do not follow the payment instructions 
in this Agreement or on your periodic statement, we may accept your payment without losing our rights. 

PREPAYMENT  OR  IRREGULAR  PAYMENTS:  Though  you  need  only  pay  the  Minimum  Payment  Due,  you  understand  that  
you have the right to repay your Account Balance at any time without penalty. You also understand and agree that you will only be 
charged interest charges to the date you repay your entire Account Balance. You may make larger payments without penalty and this 
may reduce the total amount of interest charges that you will repay. If you pay more than the Minimum Payment Due in any month 
and  there  is  still  a  balance  due,  you  must  continue  to  make  Minimum  Payments  in  future  months.  Any  partial  payment  of  your 
Account Balance will not advance your next payment due date(s). You understand and agree that any payment that (a) delays or  (b) 
accelerates the repayment of your Account Balance will (a) increase or (b) decrease your Monthly Periodic interest charge. 

PAYMENTS  BY  AUTOMATIC  TRANSFER:  By  separate  agreement,  you  may  authorize  us  to  automatically    transfer    the 
Minimum  Payment  Due  from  your  Credit  Union  savings  or  checking  account.  If  you  request  payment  by  automatic  transfer,  you 
understand and agree that no payment can or will be made if there are insufficient or uncollected funds in the designated savings or 
checking account to  make the scheduled payment.  Should this event occur,  you  understand and agree that  you  will  not be released 
from  making  the  payment.  Any  automatic  transfer  you  have  requested  will  remain  in  effect  until  you  cancel  it  in  writing  or  the 
Account Balance is paid in  full. To stop a payment by automatic transfer,  you  may  send us a letter requesting that the payment be 
stopped. Your letter must be received by Kinecta Federal Credit Union, Attention: Card Services Department, P.O. 217, Manhattan 
Beach 90267, at least three (3) business days before the automatic payment is scheduled to occur. We may cancel this service  at our 
discretion. 

RECURRING  PAYMENTS:  The  use  of  your  Account  to  make  preauthorized  electronic  recurring  bill  payments  constitutes  an 
“electronic fund transfer” as defined by the federal Electronic Fund Transfer Act and Regulation E. You may be able to place  a stop 
payment on a preauthorized electronic recurring bill payment in accordance with the terms of our Agreements and Disclosures with 
you. Any such stop payment order is subject to a Stop Payment Fee as set forth in our Consumer Schedule of Fees and Charges for 
each stop payment order you  give.  A stop payment/revocation order does not release you from the obligation to pay  for goods and 
services purchased from merchants. 

PAYMENTS MARKED “PAID IN FULL”:  Payments marked “paid in full” or other language used to indicate full satisfaction of 
indebtedness  may  be  accepted  by  us  without  being  bound  by  such  language  or  waiving  any  rights  under  this  Agreement.  We  will 
accept full satisfaction of indebtedness only in a written agreement, signed by an authorized representative of the Credit Union. 

CREDIT REPORTING: In connection with our issuance of a Card to you, we are allowed to obtain information about you. We get  
it  from  Consumer  Reporting  Agencies  and  other  sources  that  provide  consumer  financial  information.  We  are  allowed  to  use  the 
information for: 

CREDIT REPORTING 

  Renewal of your Account; 
  Credit Limit increases or decreases; 
  Administration or review of your Account, collection and any other servicing; 
  All other credit-related purposes connected with this Agreement; 
  Offers for other cards, insurance products and other services; and 
  Other uses permitted by law. 

We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a monthly basis. 
The information we provide may appear on your credit reports. This can include information about: 

  Late Payments; 
  Returned Payments; 
  Over-the-credit-limit amounts; and 
  Other violations of this Agreement. 

7 

 
 
 
 
 
 
 
  
 
 
 
If you think we have given incorrect information to a consumer reporting agency about you (or about an authorized user), contact us at 
(877) 881-6023 and we will research it. We will let you know if we agree or disagree with you. If we agree with you, we will contact 
each Consumer Reporting Agency. 

ACCOUNT INFORMATION, PRIVACY, AND COMMUNICATIONS 

ACCURACY OF AND CHANGES TO ACCOUNT INFORMATION:  You represent and warrant that the information provided  
in your credit application is accurate, and you agree to notify us in writing immediately if this information changes.  If you do not, or  
if we ask you to verify your Account information and you cannot, we may suspend or close your Account. 

INFORMATION SHARING:  You understand and agree that we may share information about you and your Account as permitted  
by applicable law. This includes information we obtain from you and others. Our privacy notice, describes reasons the Credit Union 
can share its members’ personal information. 

CONTACTING  YOU:  You agree that  we (and/or our authorized agents)  may contact  you at any phone number, email address or 
mailing address you provide. This includes communications to mobile, cellular/wireless, or similar devices. We may contact you by 
live operator, auto-dialer, prerecorded or artificial voice, text or email. You agree to pay any charges assessed by your plan provider 
for communications we send to you, as well as communications you send to us. 

CALL  MONITORING:  We  may  listen  to  and  record  telephone  calls  between  you  and  us  to  monitor  and  improve  the  quality  of 
service you receive. 

NOTICES:  We  will  send  any  notices  to  your  billing  address,  or,  if  you  have  agreed  to  receive  notices    from  us  in  an  electronic  
format, we will send notices to you in an electronic form. We consider a notice sent as soon as  we mail it. We consider an electronic 
notice sent as soon as we email it, unless we receive notification that the email was undeliverable. 

EMERGENCY  CARD  REPLACEMENT  AND  EMERGENCY  CASH  DISBURSEMENT:   We  may provide  your personal 
information to MasterCard, Inc., its members, or their respective contractors for the purpose of providing you with emergency card 
replacement and emergency cash disbursement and you agree and consent to the release of this information. 

AUTHORIZED USERS 

ACCOUNT  USE  BY  AUTHORIZED  USERS:  You  may  request  to  add  one  or  more  Authorized  Users  to  your  Account.  If  we 
approve your request, use of your Account by an Authorized User is subject to the terms of this Agreement. You must: 

  Obtain permission from each Authorized User before naming him or her as an Authorized User on your Account. 
  Make a copy of this Agreement available to each Authorized User. 
  Pay us for all charges incurred by each Authorized User. 
  Notify us to remove an Authorized User from your Account. If we remove an Authorized User, we may close your Account, 

open a new Account, and issue you a new Card. 

We may limit the number of Authorized Users on your Account. 

You are responsible for: 

  Any Transactions made by an Authorized User on your Account. 
  Any Transaction made by an Authorized User even if the post date shown on your periodic statement for that Transaction 

occurs after the date you ask us to remove the Authorized User from your Account. 
  Any Transactions made by others if an Authorized User allows them to use your Account. 
  Fees and charges resulting from any Transactions made by an Authorized User or others if an Authorized User allows them  

to use your Account. 

ACCOUNT  INFORMATION  RIGHTS  FOR  AUTHORIZED  USERS:  We  are  permitted  to  discuss  your  Account  with  an 
Authorized User. This includes giving him or her access to your Account information and history. You understand and agree that an 
Authorized  User  may  use  and  receive  information  about  the  Account  the  same  way  you  do.  An  Authorized  User  cannot  add  other 
Authorized Users, adjust the Credit Limit or close the Account. 

8 

 
 
 
 
 
 
 
 
 
 
 
 
WHAT CAN AUTHORIZED USERS DO? 

  Report lost or stolen Cards 
 
Initiate billing disputes 
  Change the billing address for your Account 
  Obtain Account Information, such as Transaction histories 
  Request periodic statement copies 
  Make payments 
  Request refund checks 

INFORMATION  ABOUT  AUTHORIZED  USERS:    You  agree  to  give  us  certain  personal  information  about  each  Authorized  
User. You must let each one know that you will give us that information and you must have his or her permission to do so. You must 
have  permission  from  each  one  to  allow  us  to  share  information  about  him  or  her  as  permitted  by  applicable  law.  This  includes 
information  we  may obtain  from  you, any  Authorized User and others. It also includes  information about  their Transactions on the 
Account. 

CREDIT REPORTING: We report information about this Account to Consumer Reporting Agencies in the Authorized User’s name 
that may appear on their credit report. This could include information about: 

  Late Payments; 
  Returned Payments; 
  Over-the-credit-limit amounts; and 
  Other violations of this Agreement. 

You  understand  and  agree  that  you  must  let  each  Authorized  User  know  that  we  report  Account  information  in  his  or  her  name.   
Please also refer to the Credit Reporting section above. 

DEFAULT, CLOSING OR SUSPENDING THE ACCOUNT 

DEFAULT:  You will be in default if: 

  You do not pay at least the Minimum Payment Due or other required payment by the due date; 
  You have a Returned Payment; 
  You do not honor any of the terms of this Agreement; 
  You make any false or misleading statements in any credit application or credit update; 
  Your creditworthiness is impaired; 
  You file for bankruptcy or some other insolvency proceeding is filed by or against you; 
  You are declared incompetent or mentally incapacitated, or you die; or 
  You are in default under any other loan you have with us (excluding real estate loans). 

CLOSING  OR  SUSPENDING  YOUR  ACCOUNT;  ACCELERATION:  If  any  of  the  events  listed  above  occurs,  we  may 
temporarily  or  permanently  suspend  any  and  all  Account  and  Card  privileges  and/or  we  may  demand  immediate  payment  of  the 
Account Balance. We may close or suspend your Account at any time,  without notifying you, as permitted by law.  If we ask, you  
must return your Card(s) to us, cut in half.  You agree that you will not attempt to make a Purchase or obtain a Cash Advance after  
you have been notified that your privilege to use your Account has been terminated.  We may cancel your current Card and issue you  
a  substitute  Card  at  any  time.  You  may  close  your  Account  at  any  time  by  notifying  us  in  writing,  and  you  must  include  your  
signature. If we close or suspend your Account, or if you close your Account, you understand and agree that you remain obligated to 
repay the entire Account Balance. You understand and agree that interest charges at the APR as permitted under this Agreement will 
continue to accrue until you repay your entire Account Balance. 

TRANSACTIONS 

REFUSAL OF THE CARD: Most Transactions require approval of funds, which result in placing a hold against your Credit Limit. 
We do not guarantee approval of Transactions. We are not liable for those that are not approved, even if you have enough available 
credit on your Account. We may also limit the number of Transactions approved per day. We may, although we are not required to, 
approve Transactions above your available Credit Limit. 

9 

 
 
 
 
 
 
 
 
 
 
 
SUSPICIOUS  ACTIVITY:  We  are  committed  to  keeping  your  financial  transactions  as  secure  as  possible.  We  use  a  credit  card  
fraud  detection  system  designed  using  neural  network  technology  that  “learns”  your  credit  card  purchase  patterns.  The    system 
analyzes authorization requests for your Card in real time and compares them to your purchase history as well as current fraud trends. 
If we detect unusual transaction patterns, we can take action to reduce the potential for fraud, including but not limited to suspending 
credit  privileges.  As  your  profile  and  transactions  change  over  time,  the  system  updates  its  files.  We  reserve  the  right  to  identify 
Transactions  as  unauthorized  or  fraudulent  and  subsequently  to  decline  those  Transactions.  We  are  not  responsible  for  any  loss  or 
damage arising out of any declined Transaction. 

TRAVEL  ADVISORY:    A  Transaction  in  a  geographic  area  where  you  do  not  usually  use  your  Card  may  trigger  the  credit  card  
fraud detection system. We encourage  you to provide  us  with prior notice of any anticipated  Card activity that  may be out of  your 
ordinary pattern of Card Transactions, such as high transaction amounts, high transaction volume, any anticipated transactions outside 
of the  geographic areas  where you normally  use  your card, and any anticipated transactions outside the U.S. You  may provide this 
notice by calling: 

  Domestic: (877) 881-6023 
 
  To verify Account activity if Card is blocked:  (877) 881-6023. 

International:  (310) 643-2106 

MERCHANT FEES: Some merchants, including merchants outside the U.S., may charge you a fee to use your Card for a Purchase. 
The fee will be either a percentage of the amount of your Purchase or a flat fee, and will be added to the amount of your Purchase. 
Usually, a merchant will tell you about this fee before you use your Card, but not always. We do not control these fees and we cannot 
prevent them. 

MERCHANT DISPUTES:  The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the 
Account  and/or  Card.  We  are  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or  services  you  purchase  
with the Card only if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant, and (1) your 
Purchase was made in response to an advertisement we sent or participated in sending you; or (2) your Purchase cost more than $50 
and was made from a merchant in your state or within 100 miles of your current mailing address. Any other dispute you must resolve 
directly with the merchant. 

RETURNS AND ADJUSTMENTS: If a merchant discloses a policy such as “no returns,” “no refunds,” “no return or credit without 
receipt,” “as is,” “store credit only” or “all sales final,”  you  will be bound by that policy  when  you  use  your Card to buy goods or 
services  from  that  merchant.  A  merchant  refund  to  your  Account  will  post  to  your  Account  as  a  credit.  We  do  not  control  when  a 
merchant sends an Account credit.  We will choose how to apply the credit to your existing Account Balance.  If a credit fails to post  
to your  Account,  you  may request our help in having the  credit applied to your Account by sending us  a copy of the credit receipt 
issued by the merchant. You have the sole responsibility to obtain written proof of credit and to retain copies of credit receipts until  
the  credit  is  properly  applied to  your  Account.  If  your  credits  and  payments  exceed  what  you  owe  us,  we  will  hold  and  apply  this  
credit  balance  against  future  Transactions,  or  if  it  is  $1.00  or  more,  refund  it  on  your  written  request  or  automatically  after  six  (6) 
months. 

RECURRING  AUTHORIZED  TRANSACTIONS:  If  you  authorize  a  merchant  or  any  other  person  to  charge  your  Account  for 
recurring Transactions, you must notify the merchant if: 
  You want to discontinue these Transactions; 
  Your Account is closed; 
  Your Account number changes; 
  Your Card expiration date changes. 

You are responsible for reinstating any recurring authorized Transactions. 

INTERNET  TRANSACTIONS:  You  may  activate  your  Card  in  MasterCard’s  SecureCode®  program  at  www.kinecta.org.  To 
complete  transactions  over  the  Internet,  merchants  may  request  your  SecureCode®  password  to  complete  the  transactions.  If  a 
password  is  not  provided,  or  you  do  not  successfully  register  with  SecureCode®,  the  merchant  may  deny  the  transaction.  If  the 
password  is  incorrect,  we  may  deny  the  transaction.  You  can  select  or  change  your  password  and  view  additional  terms  online  at 
www.kinecta.org and clicking on the SecureCode® links under the credit card page. You acknowledge and agree that if you disclose 
your SecureCode® password to another person, you are authorizing that person to transact on your Account. 

TERMS AND CONDITIONS APPLICABLE TO MASTERCARD CONVENIENCE CHECKS 

10 

 
 
 
 
 
 
 
 
 
CHECK  USES:  Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access 
your  Account  from  time  to  time.  The  following  terms    will  apply  to  the  use  of  those  checks  unless  otherwise  disclosed  with  the  
checks.    You  can  use  your  Convenience  Checks  to  purchase  goods  and  services,  to  obtain  cash  up  to  the  amount  of  your  Cash  
Advance  Limit,  or  to  conduct  Balance  Transfers  up  to  the  amount  of  your  Credit  Limit.  Use  of  Convenience  Checks  to  purchase  
goods and services or to obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit 
Union  will  charge  interest  beginning  as  of  the  date  the  Credit  Union  receives  the  Convenience  Check.  You  cannot  avoid  paying 
interest on Convenience Check transactions. Any special rules applicable to credit card purchases described in this Agreement or any 
other  features  pertaining  to  card  purchases  do  not  apply  to  Convenience  Checks.  Convenience  Checks  do    not    earn  Cash  Back 
Rewards. 

LIMITATIONS:  We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not  
pay a Convenience Check if at the time that it is presented: 

  You are in default or we have suspended, terminated, or canceled your Account; 

  The Convenience Check is not in the form we have issued to you; 

  Your signature or the payee’s name or endorsement is missing on the Convenience Check or the Convenience Check appears 

altered; or 

  Your Convenience Check is post-dated. 

Convenience  Checks  may  be  used  only  by  the  person(s)  whose  name(s)  is/are  printed  on  the  check.  You  are  responsible  for  all 
authorized use of Convenience Checks. You may not use Convenience Checks to make a payment on any other obligation you have 
with the Credit Union, including paying any amount that you owe us pursuant to this Agreement. Certain merchants may inform you 
of their intent to convert your Convenience Check payment to an electronic ACH debit. For mailed payments, this notification  will be 
provided at the time you receive a bill. For payments made in person, this notification will be provided at the time payment is made. 
You understand and agree that Convenience Checks are ineligible for conversion to an ACH debit and if presented by a merchant to us 
for payment, we are required to reject and return the entry. Using Convenience Checks for payments to merchants who have notified 
you of their intent to convert your check to an ACH debit may result in merchant returned item fees and/or late charges. You  further 
understand  and  agree  that  you  may  not  attempt  to  authorize  a  one-time  advance  from  your  Account  via  ACH  by  providing  check 
information (such as the routing, account, and serial numbers) to a merchant or other payee in person, via the Internet or by telephone 
for the purpose of having such merchant or other payee electronically initiate a funds transfer. The Credit Union will not be liable for 
any fees you incur as a result of the Credit Union’s failure to honor a Convenience Check that is converted to an ACH debit. 

PERIODIC  STATEMENTS:  Your  periodic  statement  will  show  you  an  itemization  of  the  Convenience  Checks  posted  to  your 
Account  during  the  Billing  Period.  Convenience  Checks  paid  by  the  Credit  Union  will  not  be  returned  to  you  with  your  periodic 
statement. 

RETURNED  CONVENIENCE  CHECK  FEE:  The Credit Union will charge you a Returned Convenience Check Fee of $25  per 
returned  check  which  will  be  billed  to  your  Account  if  a  Convenience  Check(s)  cannot  be  paid.  The  Credit  Union  may  decline  to 
honor such Convenience Checks if, for example: 

  The amount of the Convenience Check would cause you to exceed your Cash Advance Credit Limit; 

 

 

 

If you are in default; 

If you did not comply with the instructions included with the Convenience Check; 

If the Convenience Check appears altered or is missing information; 

  The Convenience Check was used by someone other than the person to whom the Convenience Check was sent; 

  The Card has expired or was revoked; 

  Your Account is closed or suspended; or 

  The Convenience Check was converted to an ACH transaction. 

STOP  PAYMENT:  Provided  your  request  is  timely,  you  may  order  a  stop  payment  on  a  Convenience  Check  drawn  on    your  
Account. To stop payment on a Convenience Check, you must call us at (877) 881-6023 during regular business hours and provide us 
with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount  of  
the Convenience Check.       If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14) 

11 

 
 
 
days  thereafter,  unless  confirmed  in  writing.  Written  stop  payment  orders  will  remain  in  effect  only  for  six  (6)  months,    unless  
renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop 
payment.  The  Credit  Union  is  not  required  to  notify  you  when  a  stop  payment  order  expires.  If  the  Credit  Union  re-credits  your 
Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the 
dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and to assist the 
Credit Union in any legal action. You agree to indemnify and hold the Credit Union harmless from all costs and expenses, including 
attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing to stop payment of an 
item as a  result of incorrect information provided to the  Credit Union or the giving of  inadequate  time to act  upon a stop payment 
request. 

SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves 
the right to revoke them at any time. You agree to return them at the Credit Union’s request. 

MISCELLANEOUS 

PROMOTIONAL  RATE  OFFERS:  From time to time and at our discretion, we may offer you a promotional APR for all or any 
part of your  Account Balance, Balance Transfer or future  transactions.  The period of time for  which the promotional APR applies  
may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in 
effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. 

LOST OR STOLEN CARD, NOTIFICATION AND  LIABILITY:  You will notify us IMMEDIATELY if you believe that your 
Card,  Account  number,  PIN,  or  any  combination  of  the  three  has  been  lost  or  stolen  by  immediately  calling  us  at  (877)  881-6023 
between 12:00 a.m. and 11:59 p.m. PST, Monday through Friday, excluding  holidays and  weekends or after Credit  Union  hours at 
(877)  881-6023/International  Number  (310)  643-2106.  Telephoning  is  the  best  way  of  keeping  your  possible  losses  down.  You 
understand  that  your  total  liability  to  us  will  not  exceed  $50.00  for  any  Account  and/or  Card  Transactions  resulting  from  the  loss,   
theft,  or  other  unauthorized  use  of  the  Account  and/or  Card  that  occurs  prior  to  the  time  you  give  notice  to  us.  Your  liability  for 
unauthorized use may be lower in cases of MasterCard fraud in accordance with current MasterCard, Inc. Operating Rules. 

You  agree that in the event of a lost,  stolen, not received or counterfeited card or fraudulent activity on  your  Account,  you and all 
parties given access to the Account will complete an affidavit of forgery in a form approved by the Credit Union. You also agree to 
assist us in determining the facts, circumstances, and other pertinent information related to any loss, theft or possible unauthorized use 
of  your  Card,  Account  number  or  PIN  and  to  comply  with  such  other  procedures  as  we  may  require  in  connection  with  our 
investigation. 

INACTIVE  ACCOUNT:  If your  Account does not have any activity  for twelve  (12) consecutive  months, it  will be considered an 
inactive account and your ability to take advances against your Credit Limit may be suspended. If your Account is inactive for twenty-
four (24) consecutive months, we may close it. 

PERIODIC STATEMENTS: Your Card or other Account activity will be reflected on your periodic statement (Statement). We will 
send you a Statement for each Billing Period in which Transaction activity has occurred on your Account, and at least quarterly if no 
activity  has  occurred.  Your  Statement  will  identify  the  merchant,  electronic  terminal,  or  financial  institution  at  which  transactions  
were made, but sales, cash advance, credit, or other receipts cannot be returned with the Statement. You agree to retain the copy of 
such receipts furnished at the time of the transaction in order to reconcile your Statement. If you request a copy of any sales draft or 
similar  document,  a  Document  Copy  Fee  may  be  imposed  by  us.  This  fee  will  not  be  imposed,  however,  if  it  was  requested  in 
connection with a billing error. Statements will be mailed or delivered electronically if you have agreed to receive notices  from us in 
an electronic format only to the address of the person named first on the Account. 
ASSIGNMENT: We may sell, transfer or assign this Agreement and your Account to a third party at any time without notifying you. 
You may not sell, assign or transfer your Account or any of your obligations under this Agreement. 

ENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them or fail 
to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in 
effect. 

INTEGRATED DOCUMENT(S): You understand and agree that any separate sheet of paper, which is delivered together with this 
Agreement  and  incorporates  this  Agreement  by  reference,  is  an  integrated  part  of  this  Agreement.  Any  future  amendments  to  this 
Agreement will be labeled as such and will form an integrated part of this Agreement. 

12 

 
 
 
 
 
 
 
 
 
 
COLLECTION  COSTS:  To  the  extent  permitted  by  law,  you  are  liable  to  us  for  our  legal  costs  if  we  refer  collection  of  your  
Account to an attorney  who  is not our salaried employee.  These costs  may include reasonable attorneys’  fees, as  well  as costs and 
expenses of any legal action. You understand and agree that interest charges will continue to accrue at the APR permitted under this 
Agreement until you repay your entire Account Balance. 

UNFORSEEN CIRCUMSTANCES: From time to time, our services might be unavailable due to circumstances beyond our control, 
such as fires, floods, natural disasters, system failures or other unpredictable events. When this happens, you may not be able to use 
your Card or obtain information about your Account. We are not responsible or liable if this happens. 

GOVERNING LAW: You understand and agree that this Agreement is made in California will be governed by the laws of the State 
of  California  to  the  extent  that  California  law  is  not  inconsistent  with  controlling  federal  law.  You  also  understand  and  agree  that 
California's choice of law rules will not be applied if they would result in the application of non-California law. 

MEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain a member in good standing with us to  
be  eligible  for  continuing  Account  and/or  Card  privileges  including  future  Transactions.  You  understand  and  agree  that  we  may 
suspend or close the Account and/or Card privileges during any period in which you do not maintain your membership with us. 

FINAL  EXPRESSION:  This Agreement is the final expression of the terms and conditions of your Account. This Agreement may 
not be contradicted by evidence of any alleged oral agreement. 

COPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms. 

NOTICE: See the statement below for important information regarding your right to dispute billing errors. 

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 at: 

CARD SERVICES 
Dispute Processing 
P.O. Box 10409 
Des Moines, IA 50306 

In your letter, give us the following information: 

  Account information:  Your name and account number. 

  Dollar amount:  The dollar amount of the suspected error. 

  Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 

mistake. 

You must contact us: 

  Within 60 days after the error appeared on your statement. 

  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is 

wrong. 

You must notify us of any potential errors in writing. 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: 

13 

 
 
 
 
 
 
 
 
 
 
 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

  We cannot try to collect the amount in question or report you as delinquent on that amount. 
  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 

  If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees.  
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you  
do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to 
pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the 
name of anyone to whom we reported you as delinquent; and we must let those organizations know when the matter has been settled 
between us. If we do not follow all 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 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, you will contact us in writing at: 

CARD SERVICES 
Dispute Processing 
P.O. Box 10409 
Des Moines, IA 50306 

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. 

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