Interra Credit Union
PO Box 727
Goshen, IN 46527-0727
574-534-2506   •   888-432-2848
FAX 574-534-0768
www.interracu.com

CREDIT CARD AGREEMENT

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 THE "CREDIT UNION" MEANS INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU
AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.

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.

1. 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.  You agree  not  to  present  your  Card  or  obtain  a  cash
advance  for  any  extension  of  credit  in  excess  of  your  available  credit  limit;
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain
purchases and cash advances require authorization prior to completion of the
transaction. In some cases, you may be asked to provide identification. If our
system  is  not  working,  we  may  not  be  able  to  authorize  a  transaction,  even
though you have sufficient credit available. Also, for security reasons, we may
block  the  use  of  your  Card  in  certain  countries  or  geographic  areas.  We will
have  no  liability  to  you  or  others  if  any  of  these  events  occur.  Each  of  the
undersigned applicants certifies under the pains and penalties of perjury that
he/she  is  at  least  eighteen  (18)  years  of  age,  has  read  the  foregoing
Agreement,  and  jointly  and  severally  agrees  to  abide  by  the  foregoing  terms
and provisions.

2.  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.

3. Authorized Users. Authorized users have no financial responsibility for this
account.  You  are  responsible  for  all  charges  made  by  any  appointed
authorized user(s). Authorized user(s) will have access to account information,
however, they  will  not  have  the  same  rights  or  privileges  as  you. Authorized
users  may  not:  (a)  add,  edit,  or  remove  account  signers;  (b)  make
amendments or changes to the credit card account, including, but not limited
to, closing the account or making changes to credit limits; (c) request new or
replacement  cards,  PINs,  or  statements;  or  (d)  request  balance  transfers.
Authorized user(s) agree that we may report this account to the credit bureaus
on their behalf.

4.  Promise  To  Pay. You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all
purchases,  cash  advances,  and  balance  transfers  made  by  you  or  anyone
whom  you  authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other
charges  or  fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by
applicable  law,  and  any  costs  incurred  in  the  recovery  of  the  Card;  and  (d)
credit in excess of your credit limit that we may extend to you.

5.  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.

6.  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.

7. 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  erson'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.

8. 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.

9. 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.

Grace  Period  on  Purchases  Only: You  can  avoid  Interest  Charges  on
purchases  by  paying  the  full  amount  of  the  new  balance  for  purchases  each
month by the date on which the payment is due. therwise, the new balance of
your account, and subsequent advances from the date they are posted to the
account,  will  be  subject  to  an  Interest  Charge.  You  cannot  avoid  Interest
Charges on cash advances and balance transfers; even if you pay the entire
cash advance balance or balance transfer balance by the payment due date,
you will incur the Interest Charges accrued from the date the cash advance or
balance transfer is posted to your account.

10. Fees. In addition to the Interest Charges set forth above, you agree to also
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to
time), or as disclosed to you during the term of your Card.

11. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or
apparent  authority  for  such  use,  and  from  which  you  receive  no  benefit. The
telephone  number  to  call  is  (800)  449-7728. You agree  to  follow  up  your  call
with notice in writing to us at: P.O. Box 727, Goshen, IN 46527-0727. You also
agree to assist us in determining the facts, circumstances 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 in connection with
our  investigation.  You  will  have  no  liability  for  MasterCard  transactions  not
authorized  by  you,  provided  that  you  have  exercised  reasonable  care  in
safeguarding the Card from risk of loss or theft, and upon becoming aware of
such loss or theft, you promptly report the loss or theft to us.

12.  Minimum  Payment  Due;  Crediting  of  Payments.  We  will  mail  you  a
statement or provide one to you electronically via e-mail in any month in which
the  Card  has  a  debit  or  credit  balance  in  excess  of  $1.00.  Every  month  you
must  pay  at  least  the  Minimum  Payment  within  25  days  of  your  statement
closing  date.  You  may,  of  course,  pay  more  frequently,  pay  more  than  the
Minimum Payment, or pay the Total New Balance in full, and you will reduce
the FINANCE CHARGE by doing so. The Minimum Payment will be either (a)
2%  of  your  Total New  Balance,  or  $25.00,  whichever  is  greater, or  (b)  your
Total New Balance if it is less than $25.00 plus (c) any portion of the Minimum
Payment(s) shown on prior statement(s) which remains unpaid. In addition, at
any  time  your  Total  New  Balance  exceeds  your  Credit  Line,  you  must
immediately  pay  the  excess  upon  demand.  We  will  apply  your  minimum
payments first to any fees; then to any credit insurance charges; then to any

9011 LASER FPDF FI1000724 2-2019

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

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 THE "CREDIT UNION" MEANS INTERRA CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU
AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN, AS AMENDED FROM TIME TO TIME.

FINANCE  CHARGES;  then  to  previously  billed  cash  advances;  then  to
previously  billed  purchases;  then  to  new  cash  advances;  and  then  to  new
purchases. Payment amounts, over or above the required minimum payment,
will be applied to the balances with the highest annual percentage rate.

13.  Default;  Acceleration;  Credit  Suspension;  Collection  Costs. You  will
be in default if: (1) you fail to make any payment on time; (2) if you fail to keep
any  promises  you  have  made  under  this  Agreement  or  under  other
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in
bankruptcy or have a bankruptcy petition filed against you, or if you become
involved in any insolvency, receivership or custodial proceeding; (5) if anyone
attempts to take any of your funds held by us via legal process or if you have
a judgment or tax lien filed against you; (6) if you make any false, inaccurate,
or  misleading  statements  in  any  credit  application  or  credit  update;  or  (7)  if
we,  in  good  faith,  believe  that  your  ability  to  repay  what  you  owe  is  or  soon
will be impaired or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your
full  account  balance  without  giving  you  notice.  If  immediate  payment  is
demanded, you agree to continue paying interest charges and fees until what
you owe has been paid, and any shares that were given as security for your
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all
reasonable costs of collection, including court costs and attorney's fees, and
any costs incurred in the recovery of the Card, subject to applicable law. Even
if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit
available during any time that any aspect of your account is in default.

14.  Suspension  of  electronic  services  and  access  to  share  or  deposit
accounts. Subject  to applicable law, we may suspend some or all electronic
services  and  access  to  your  checking  or  other  account(s)  if  you  become
delinquent on any of your credit card or deposit obligations to us or you cause
a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with
such suspension of services.

15.  Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time
offer  additional  services  to  your  Account  at  no  additional  cost  to  you.  You
understand that we are not obligated to offer such services and may withdraw
or change them at any time.

16.  Convenience  Checks. We  may, at  our  discretion,  issue  checks  to  you
which may be used for any purpose other than making a payment for credit to
your account. By signing such check, you authorize us to pay the item for the
amount indicated and post such amount as a cash advance to your account.
We do not have to pay any item which would cause the outstanding balance
in your account to exceed your credit limit.

17.  Credit  Information.  We  may  from  time  to  time  request  personal
information  from  you  or  obtain  credit  reports  from  the  credit  reporting
agencies for the purpose of updating your credit status. Your failure to provide
such  information  when  requested  by  us  may  result  in  suspension  of  credit
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future
advances by any means. You authorize us to investigate your credit standing
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose
information  regarding  your  account  to  credit  bureaus  and  creditors  who
inquire about your credit standing.

18.  Foreign  Transactions;  Currency  Conversion. Purchases  and  cash
advances made in foreign currencies will be billed to you in U.S. dollars. The
conversion rate in dollars will be a rate selected by the card company from a
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable
central processing date, which rate may vary from the rate the card company
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable
central  processing  date  in  each  instance. All  transactions  processed  outside
of the United States (which may include internet transactions) will be charged
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending
Statement (as amended from time to time).

19. Termination; Change-in-Terms. We may, by written notice, terminate this
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this
Agreement by written notice. Termination by either party shall not affect your
obligation  to  repay  any  balance  on  your  account  resulting  from  use  of  the
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the
terms of this Agreement, including the method of calculating the periodic rate,
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless
applicable law requires otherwise. Our failure to exercise any of our rights or
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an
amendment or change in any of the terms of this Agreement.

checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any
amounts owing under this Agreement.

21.  Enforcement. We  do  not  lose  our  rights  under  this  or  any  related
agreement if we delay enforcing them. If any provision  of this or any related
agreement  is  determined  to  be  unenforceable  or  invalid,  all  other  provisions
remain in full force and effect.

22.  Returns  and  Adjustments. Merchants  and  others  who  honor  the  Card
may give credit for returns or adjustments, and they will do so by submitting a
credit slip which will be posted to your account. If your credits and payments
exceed what you owe us, the amount will be applied against future purchases
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be
refunded upon your written or verbal request or automatically after 6 months.

23.  Plan  Merchant  Disputes. We  are  not  responsible  for  the  refusal  of  any
plan  merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not
esponsible for goods or services that you purchase with the Card unless: (a)
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or
participated in sending you; or (b) your purchase cost more than $50 and was
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home;
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other
disputes directly with the plan merchant. We do not warrant any merchandise
or services purchased by you with the Card.

24. Statements and Notices. Statements and notices will be mailed to you at
the  most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to
receive such documents via electronic means) you have given us. Notice sent
to any one of you will be considered notice to all.

25.  Notification  of  Address  Change.  You  will  notify  us  promptly  if  you
change  your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your
identity  may  need  to  be  verified  before  we  act  upon  the  notification.  The
Credit  Union  may  revoke  your  card  and  terminate  this  Agreement  if  you
relocate  to  another  state.  We  can  revoke  your  Card  if  you  move  to  a  state
where the Credit Union must be registered.

26. Copy Received. You acknowledge that you have received a copy of this
Agreement.

27.  Governing  Law. This  Agreement  shall  be  construed  under  federal  law
and  state  law  in  the  state  in  which  we  are  primarily  located,  and  the  venue
shall  be  located  in  the  county  and  state  in  which  we  are  primarily  located.
Operating  regulations  of  MasterCard  may  also  apply. This Agreement  is  the
contract that applies to all transactions even though the sales, cash advance,
convenience  check,  credit  or  other  slips  you  sign  or  receive  may  contain
different terms.

28. NOTICE  TO  UTAH  BORROWERS: This  written  agreement  is  a  final
expression of the agreement between you and the Credit Union. This written
agreement may not be contradicted by evidence of any oral agreement.

29. Debt Protection. If you elect debt protection offered by the Credit Union,
then  the  charges  will  be  added  to  your  account  balance  each  billing  cycle.
Debt protection offered by the Credit Union is voluntary and is not required to
obtain  a  credit  card  account  with  us.  You  have  the  right  to  terminate  debt
protection offered by the Credit Union at any time by notifying us in writing.

30.  Rewards,  Incentives,  Promotions. The  Credit  Union  reserves  the  right
to terminate the programs or portions thereof at any time without restriction or
penalty. This means that regardless of your level of activity in the program, the
ability  to  accumulate  points  or  claim  rewards  can  be  terminated  with  or
without  prior  notice.  The  redemption  value  of  points  already  accumulated,
may be changed at any time without notice and without restriction or penalty.
The  Credit  Union  also  reserves  the  right  to  cancel  any  cardholders  prior
earned points, rewards, cash/merchandise back or any other item of value if
you  are  in  default  as  stated  in  the  Default; Acceleration;  Credit  Suspension;
Collection  Costs  paragraph  above.  Awards  are  not  available  when  a
cardholder is in default under the credit card agreement. Any points or awards
are  earned  only  with  purchases.  Cash  advance  transactions  are  not  eligible
towards earning points or any award/reward.

31.  Correction  of  Errors  and  Omissions. You  agree  to  fully  cooperate  in
correcting  any  errors  in  the Application  or Agreement  that  we  request  within
the  first  30  days  after  the  account  is  opened,  if  we  believe  such  corrections
are necessary or desirable. We will bear all costs of preparing any documents
necessary for such corrections.

increase  your 

20. Late or Partial Payments. Any payment that delays the reduction of your
interest  costs.  Partial  payments  or
balance  will 
prepayments will not delay your next scheduled payment you will still need to
make  the  minimum  scheduled  payment  by  the  next  scheduled  due  date  to
keep your account current. We may accept late payments, partial payments,

total 

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”), and (a) your loan is unsecured or secured by personal property or a vehicle
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).

1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive
this notice verbally, please call 1-888-432-2848 during our normal business hours: 8:30 am - 5:00 pm EST M-F and Saturday 8:30 am - 12:00 pm EST.

2.

This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization
provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject
to the Military Lending Act.
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.

3.

Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from
you in order to exercise your legal rights; or (d) Prepayment penalties.

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms
and conditions of the consumer credit contract shall remain in full force and effect.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you
owe.

If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  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.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at the address(es) listed on your statement.

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

9011 LASER FPDF FI1000724 2-2019

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.