CREDIT CARD AGREEMENT AND 
TRUTH-IN-LENDING DISCLOSURE STATEMENT 
BORROWER 1 NAME ACCOUNT NUMBER 
BORROWER 2 NAME DATE 
In this Agreement, �You� and �your� mean any person who accepts this Agreement or uses the Card. The �Card� means any  
credit card issued to you or those designated by you under the terms of this Agreement. �We�, �us�, �our� and t he �Credit Union� 
means Blackhawk Community Credit Union or its successors. By using your card, you agree to all of the terms and conditions 
set forth herein. 
The following disclosure represents important details concerning your credit card. We reserve the right to periodically review 
your credit standing and to increase any rate on your new balances, in accordance with appl icable law. 
INTEREST RATES and INTEREST CHARGES: 
Annual Percentage Rate (APR) 
for Purchases, Cash Advances, 
& Balance Transfers 9.25 %
This APR will vary with the market based on the Prime Rate*. 
Penalty APR and When it Applies None 
Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not 
charge you interest on purchases or balance transfers if you pay your entire new 
purchase or balance transfer balance by the due date each month. 
For Cash Advances, we will begin charging interest on the date the cash advance is 
posted to your account. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. 
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: 
Fees to Open or Maintain 
your Account 
� Annual Fee: 
� Application Fee: None 
None 
Transaction Fees 
� Balance Transfer: 
� Cash Advance: 
� Foreign Transaction: None 
None 
A1%  Visa International Service Assessment Fee will be assessed on all transactions 
the merchant processes outside the United States (which may include internet 
transactions), regardless of whether you are located inside or outside the United 
States at the time of the transaction. 
Penalty Fees 
� Late Payment: 
� Returned Payment: Up to $25.00  if your minimum payment is not received by the end of the billing 
cycle as shown on your periodic statement. 
Up to $15.00  if your payment is returned for any reason. 
How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)." See your 
account agreement for more details. 
SEE NEXT PAGE for more important information about this account 
9011/9010 LASER IMM FI14844 Rev 2-2022 page 1 of 4 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.  Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 
OTHER IMPORTANT DISCLOSURES: 
Other Fees:  In addition to the fees disclosed above, the following fees may be imposed: 
Lost Card/Replacement Fee: $10.00 
Returned/Undeliverable Mail Fee: $10.00 
Design Your Own Card Fee: $15.00 
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY  
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE  
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF  
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE  
AND/OR  FEDERAL LAW. IF YOU  ARE IN  DEFAULT, WE CAN  APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other  
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest. 
If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also  
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods. Others Using Your Account.  If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for all purchases and advances made by anyone you authorize to use your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If  
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that  
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective. 
Ownership of Card.  Your Card remains our property and may be cancelled 
by  us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to  
discontinue use of the account immediately upon our request. 
Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new  
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance  
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances,  
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid  
interest  charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance.  
Then, we add up all the daily balances for the billing cycle and divide that by 
the number of days in the billing cycle. We then multiply that by the periodic 
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you  
have  different  rates  for  purchases,  cash  advances  or  balance  transfers,  
separate  average  daily  balances  for  each  will  be  calculated  and  the  
appropriate periodic rate is then applied to each. 
*Variable Rates:  The  ANNUAL  PERCENTAGE  RATE  (APR)  is  a  variable  
rate, that may increase or decrease when the Prime Rate, as identified in the 
�Money Rates� column of the Wall Street Journal, changes. We calculate the 
APR based on the Prime Rate (Index), plus a margin of 4.50%. The APR is 
subject  to  change  quarterly  and  will  take  effect  on  the  first  day  of  your  
January, April, July and October billing cycles, following a change in the Prime 
Rate.  The  APR  will  never  be  more  than  the  maximum  rate  allowed  by  
applicable law. Any increase in the APR may increase your Interest Charges 
and your Minimum Payment until what you owe has been repaid. 
Daily  Periodic  Rates:  Purchases,  Cash  Advances,  and  Balance  Transfers:  
______________% 
Grace  Period  on  Purchases  or  Balance  Transfers:  You  can  avoid  Interest  
Charges on purchases and balance transfers by paying the full amount of the 
new balance for purchases or balance transfers each month by the date on 
which the payment is due. Otherwise, the new balance of your account, and 
subsequent advances from the date they are posted to the account, will be 
subject  to  an  Interest  Charge.  You  cannot  avoid  Interest  Charges  on  cash  
advances; even if you pay the entire cash advance balance by the payment 
due date, you will incur the Interest Charges accrued from the date the cash 
advance is posted to your account. 
Fees. In addition to the Interest Charges set forth above, you agree to also 
pay any and all fees that you incur as disclosed to you during the term of your 
Card, including: Using Your Card.  You can purchase or lease goods and services from any 
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your  
maximum  credit  limit.  Certain  purchases  and  cash  advances  require  
authorization prior to completion of the transaction. In some cases, you may 
be asked to provide identification. If our system is not working, we may not be 
able  to  authorize  a  transaction,  even  though  you  have  sufficient  credit  
available.  Also,  for  security  reasons,  we  may  block  the  use  of  your  Card  in  
certain  countries  or  geographic  areas.  We  will  have  no  liability  to  you  or  
others if any of these events occur. For your added convenience, you are able 
to extend your credit limit to 5% over your approved credit limit. 
Personal  Identification  Number  (PIN).  We  may  issue  a  Personal  
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential  
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds  
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer  
Agreement may affect your rights. 
Promise To Pay.  You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you  
authorize  to  use  the  Card; (b)  all  Interest Charges  and  all  other  charges  or  
fees; and (c) credit in excess of your credit limit that we may extend to you. If 
the Wisconsin Consumer Act does not apply to your Card, you also promise 
to pay collection costs and attorney�s fees as permitted by applicable law. 
Minimum Payment Requirement:  Your  minimum  monthly  payment  will  be  
1% of your total New Balance shown on your billing statement at the end of 
each  billing  cycle,  plus  the  amount  of  any  prior  payments  due  that  remain  
unpaid, subject to the lesser of $25 or your account balance. 
Illegal Transactions.  You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and  that  any  such  use  will  constitute  an  event  of  default  under  this  
Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal  
under applicable law, including but not limited to any transaction involving or 
relating  to  any  gambling  activity.  You  agree  that  we  will  have  no  liability  or  
responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for  
declining  any  such  transaction.  You  further  agree  to  indemnify  and  hold  us  
harmless from any suits, liability, damages or adverse action of any kind that 
results directly or indirectly from such illegal use. You promise to pay us any 
and all amounts owing on your Card for any transactions made by you, even 
if the transaction is determined to be illegal. 
Joint Accounts.  Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction  
under the account. 0.02534 
Foreign Transaction Fee:  A  1%  Visa  International  Service  Assessment  
Fee will be assessed on all transactions the merchant processes outside 
the United States (which may include internet transactions), regardless of 
whether you are located inside or outside the United States at the time of 
the transaction; 
Late Payment Fee:  Up to $25.00 if your minimum payment is not received 
by the end of the billing cycle as shown on your periodic statement; 
Returned Payment Fee:  Up to $15.00 if your payment is returned for any 
reason. 
9011/9010 LASER IMM FI14844 Rev 2-2022 page 2 of 4 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. Foreign Transaction Fee:  A  1%  Visa  International  Service  Assessment  
Fee will be assessed on all transactions the merchant processes outside 
the United States (which may include internet transactions), regardless of 
whether you are located inside or outside the United States at the time of 
the transaction; 
Late Payment Fee:  Up to $25.00 if your minimum payment is not received 
by the end of the billing cycle as shown on your periodic statement; 
Returned Payment Fee:  Up to $15.00 if your payment is returned for any 
reason.  If Your Card is Lost or Stolen or if an Unauthorize d Use Occurs.  You  agree  
to notify us immediately if your Card is ever lost or stolen or if an unauthorized 
use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  the  Card  by  
someone  other  than  you  who  does  not  have  actual,  im plied  or  apparent  
authority for such use, and from which you receive no benefit. The telephone 
number  to  call  is  (608)  755-6065  or  (800)  779-5555  or  after  hours  call  (800)  
449-7728. You agree to follow up your call with not ice in writing to us at: P .O. 
Box 5366, 2640 W. Court Street, Janesville, Wiscons in 53547-5366. You also 
agree to assist us in determining the facts, circum stances and other pertinent 
information relating to any loss, theft or possible  unauthorized use of your Card 
and  comply  with  such  procedures  as  we  may  require  i n  connection  with  our  
investigation. You will be liable for any unauthori zed use only if we can prove 
that you were negligent in your use or handling of your Card, or if we can prove 
that you used your Card fraudulently. 
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the  
amount and on the date disclosed on your billing st atement. If your payment is 
received  by  us  on  a  business  day  at  the  address  des ignated  on  the  billing  
statement, it will be credited to your account on t he date of receipt. If payment is 
made  at  any  location  other  than  the  address  designa ted  on  the  periodic  
statement,  credit  for  such  payment  may  be  delayed  u p  to  five  (5)  days.  
Payments will be applied in any order we determine,  subject to applicable law. 
Default; Acceleration; Credit Suspension; Collectio n Costs.  You  will  be  in  
default if: (1) you fail to make any payment on tim e; (2) if you fail to keep any 
promises you have made under this Agreement or unde r other Agreements you 
have with us; (3) if you or your spouse die; (4) if  you file a petition in bankruptcy 
or have a bankruptcy petition filed against you, or  if you become involved in any 
insolvency, receivership or custodial proceeding; ( 5) if anyone attempts to take 
any of your funds held by us via legal process or i f you have a judgment or tax 
lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  misleading  
statements in any credit application or credit upda te; or (7) if we, in good faith, 
believe that you or your spouse�s ability to repay what you owe is or soon will 
be impaired, or that you are unwilling to make your  payments. 
If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded, you agree to continue paying interest cha rges and fees until what 
you owe has been paid, and any shares that were giv en as security for your 
account may be applied towards what you owe. Even i f your unpaid balance is 
less than your credit limit, you will have no credi t available during any time that 
any aspect of your account is in default. If the Wi sconsin Consumer Act does 
not  apply  to  your  Card,  you  agree  to  pay  all  reason able  costs  of  collection,  
including court costs and attorney�s fees, subject to applicable law. 
Suspension  of  electronic  services  and  access  to  sha re  or  deposit  
accounts.  Subject  to  applicable  law,  we  may  suspend  some  or  all  electronic  
services  and  access  to  your  checking  or  other  accou nt(s)  if  you  become  
delinquent on any of your credit card or deposit ob ligations to us or you cause a 
loss to us. We shall not be liable to you in any re gard in connection with such 
suspension of services. 
Additional  Benefits/Card  Enhancements .  We  may  from  time  to  time  offer  
additional services to your Account at no additiona l cost to you. You understand 
that we are not obligated to offer such services an d may withdraw or change 
them at any time. 
Convenience Checks.  We may, at our discretion, issue checks to you whi ch 
may be used for any purpose other than making a pay ment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the  
amount indicated and post such amount as a cash adv ance to your account. 
We do not have to pay any item which would cause th e outstanding balance in 
your account to exceed your credit limit. 
Credit  Information.  We  may  from  time  to  time  request  personal  informati on  
from  you  or  obtain  credit  reports  from  the  credit  r eporting  agencies  for  the  
purpose of updating your credit status. Your failur e to provide such information 
when requested by us may result in suspension of cr edit privileges under this 
Agreement, including your ability to obtain any fut ure advances by any means. 
You authorize us to investigate your credit standin g when opening or reviewing 
your account. You authorize us to disclose informat ion regarding your account 
to credit bureau and creditors who inquire about yo ur credit standing. Foreign Transactions; Currency Conversion.  Purchases and cash advances 
made in foreign currencies will be billed to you in  U.S. dollars. The conversion 
rate in dollars will be a rate selected by the card  company from a range of rates 
available  in  wholesale  currency  markets  for  the  app licable  central  processing  
date, which rate may vary from the rate the card co mpany itself receives, or the 
government-mandated rate in effect for the applicab le central processing date in 
each instance. All transactions processed outside o f the United States (which 
may include internet transactions) will be charged a foreign transaction fee in 
the  amount  disclosed  on  your  Truth-in-Lending  State ment  (as  amended  from  
time to time), even if you are located in the Unite d States. 
Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this  
Agreement  at  any  time,  subject  to  applicable  law.  Y ou  may  terminate  this  
Agreement  by  written  notice.  Termination  by  either  party  shall  not  affect  your  
obligation to repay any balance on your account res ulting from use of the Card 
as well as Interest Charges and fees incurred. We m ay change the terms of this 
Agreement, including the method of calculating the periodic rate, at any time, by 
written notice, subject to applicable law. Use of t he Card constitutes agreement 
and  acceptance  of  any  change  in  terms,  unless  appli cable  law  requires  
otherwise. Our failure to exercise any of our right s or to take any action shall not 
constitute a waiver of those rights, or an amendmen t or change in any of the 
terms of this Agreement. 
Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your  
balance will increase your total interest costs. Pa rtial payments or prepayments 
will  not  delay  your  next  scheduled  payment  -  you  wi ll  still  need  to  make  the  
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your  
account  current.  We  may  accept  late  payments,  parti al  payments,  checks  or  
money orders marked "payment in full" and such acti on shall not constitute final 
settlement  of  your  account  or  a  waiver  or  forgivene ss  of  any  amounts  owing  
under this Agreement. 
Enforcement.  We do not lose our rights under this or any relate d agreement if 
we  delay  enforcing  them.  If  any  provision  of  this  o r  any  related  agreement  is  
determined  to  be  unenforceable  or  invalid,  all  othe r  provisions  remain  in  full  
force and effect. 
Returns and Adjustments.  Merchants  and  others  who  honor  the  Card  may  
give credit for returns or adjustments, and they wi ll do so by submitting a credit 
slip which will be posted to your account. If your credits and payments exceed 
what you owe us, the amount will be applied against  future purchases and cash 
advances. If the credit balance amount is $1 or mor e, it will be refunded upon 
your written or verbal request. 
Plan Merchant Disputes.  We  are  not  responsible  for  the  refusal  of  any  plan  
merchant  or  financial  institution  to  honor  your  Car d.  Also,  we  are  not  
responsible for goods or services that you purchase  with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisem ent  we  sent  or  
participated in sending you; or (b) your purchase c ost more than $50 and was 
made from a plan merchant in your state or within 1 00 miles of your home; and 
only  if  you  have  made  a  good  faith  attempt,  but  hav e  been  unable  to  obtain  
satisfaction from the plan merchant. You must resol ve all other disputes directly 
with  the  plan  merchant.  We  do  not  warrant  any  merch andise  or  services  
purchased by you with the Card. 
Statements and Notices.  Statements and notices will be mailed to you at th e 
most  recent  postal  address  or  e-mail  address  (if  yo u  have  elected  to  receive  
such documents via electronic means) you have given  us. Notice sent to any 
one of you will be considered notice to all. 
Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change  
your address for any reason. In order to prevent id entity theft, your identity may 
need to be verified before we act upon the notifica tion. 
Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  t his  
Agreement. 
Governing  Law.  This  Agreement  shall  be  construed  under  federal  la w  and  
state law in the state in which we are primarily lo cated, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  pri marily  located.  Operating  
regulations of Visa may also apply. This Agreement is the contract that applies 
to  all  transactions  even  though  the  sales,  cash  adv ance,  convenience  check,  
credit or other slips you sign or receive may conta in different terms. 
NOTICE TO UTAH BORROWERS:  This written agreement is a final expression 
of  the  agreement  between  you  and  the  Credit  Union.  This  written  agreement  
may not be contradicted by evidence of any oral agr eement. 
9011/9010 LASER IMM FI14844 Rev 2-2022 page 3 of 4 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.  IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of the military or a dependent  (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�)), and (a) your loan is unsecured or secured by personal property or a vehicle 
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the ML A applies to your loan. If this loan is a revolving 
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA ). 
1. NOTICE:  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consu mer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an  annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums  or debt protection 
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certa in  application  fees  for  
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
this notice verbally, please call 800.779.5555 during our normal business hours. 
2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to est ablish an account in connection 
with this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit account s for any loan subject 
to the Military Lending Act. 
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan. 
3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b)  Any requirement(s) to 
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
you in order to exercise your legal rights; or (d) Prepayment penalties. 
4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or  contradictory to 
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to  this loan. However, all other terms 
and conditions of the consumer credit contract shall remain in full force and effect. 
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 
This notice tells you about your rights and our responsibilities un der the 
Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address(es) 
listed on your statement. 
In your letter, give us the following information: 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. 
1. 
2. 
3. Your name and account number. 
The dollar amount of the suspected error. 
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is  
wrong and why you believe it is a mistake. 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: You must contact us: 
�
�Within 60 days after the error appeared on your statement. 
At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong. 
You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have 
to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1. 
2. Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error. 
Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct. 1. 
2. 
3. The  purchase  must  have  been  made  in  your  home  state  or  within  100  
miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 
You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your  
credit card account do not qualify. 
You must not yet have fully paid for the purchase. While we investigate whether or not there has been an error: 
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�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. If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  
purchase, contact us in writing at the address(es) listed on your statement. 
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our  
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent. 
9011/9010 LASER IMM FI14844 Rev 2-2022 page 4 of 4 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 3. 
4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or  contradictory to 
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to  this loan. However, all other terms 
and conditions of the consumer credit contract shall remain in full force and effect.