(https://www.sfcu.org/)

VISA® Agreement Disclosure Statement

Stanford Federal Credit Union Visa Agreement and Disclosure
Statement 
for Platinum Cash Back Visa, Alumni Rewards Visa, and Visa
Card (Secured)

Interest Rate and Interest Charges

Stanford Alumni Rewards Visa 
Annual Percentage Rate (APR)

®
Stanford Athletics  Fan Rewards Visa 
Annual Percentage Rate (APR)

Platinum Cash Back Visa 
Annual Percentage Rate (APR)

Classic Secured Visa 
Annual Percentage Rate (APR)

Platinum Rewards Visa – No Longer Offered 
Annual Percentage Rate (APR)

12.49% to 18.00% when you open your account,
based on your creditworthiness (APR will vary
with the market based on the Prime Rate) on
purchases, cash advances and balance transfers

12.49% to 18.00% when you open your account,
based on your creditworthiness (APR will vary
with the market based on the Prime Rate) on
purchases, cash advances and balance transfers

10.49% to 17.99% when you open your account,
based on your creditworthiness (APR will vary
with the market based on the Prime Rate) on
purchases, cash advances and balance transfers

17.99% (corresponding to a daily periodic rate of
.049288) on purchases, cash advances and
balance transfers

8.99% (corresponding to a daily periodic rate of
.024630) on purchases, cash advances and
balance transfers

Classic Visa – No Longer Offered 
Annual Percentage Rate (APR)

Student Unsecured Visa – No Longer Offered 
Annual Percentage Rate (APR)

Platinum Visa – No Longer Offered 
Annual Percentage Rate (APR)

How to Avoid Paying Interest on Purchases

Minimum Interest Charge

For Credit Card Tips from the Consumer Financial Protection Bureau

17.99% (corresponding to a daily periodic rate of
.049288) on purchases, cash advances and
balance transfers

17.99% (corresponding to a daily periodic rate of
.049288) on purchases, cash advances and
balance transfers

13.99% (corresponding to a daily periodic rate of
.038329) on purchases, cash advances and
balance transfers

Your due date is at least 25 days after the close
of each billing cycle. We do not charge you
interest on purchases if you pay your entire
balance by the due date each month. We will
begin charging interest on cash advances and
balance transfers on the transaction date. This
excludes our Classic Secured Visa.

If you are charged interest, the charge will be no
less than $1.50.

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
(http://www.consumerfinance.gov/learnmore)

Fees

Annual Fees

None

Transaction Fee for Cash Advance & Balance Transfer No Cash Advance or Balance Transfer Fee (Interest will be

charged on Cash Advances and Balance Transfers starting on
the transaction date.)

Rewards Program

Foreign Transaction Fee

Late Payment Fee

Return Payment Fee

Returned Convenience Check Fee

None

None

Up to $7.00

$20.00 or the amount of the required minimum payment,
whichever is less.

$25.00 or the amount of the returned convenience check,
whichever is less.

Document Copy Fees

Rush Fee

$12.00

$45.00

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card
Agreement and is part of the Agreement. In this Agreement the words “you,” “your,” and “yours” mean each and all
of those who agree to be bound by this Agreement; “card” means the Visa credit card and any duplicates, renewals,
or substitutions the Credit Union issues to you; “account” means your Visa credit card line-of-credit account with
the Credit Union; and “Credit Union” means the Credit Union whose name appears on this Agreement or anyone to
whom the Credit Union transfers this Agreement.

1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for
you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other
charges”) which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit
Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of
advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally,
in writing, or electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”)
explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit
limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an
increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or
decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not
prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue
convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a
payment on your account balance. If you use a convenience check, it will be posted to your account as a cash
advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such
refusal shall not constitute wrongful dishonor.

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any
fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment
request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the
presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your
request must accurately describe the check including the exact account number, the payee, any check number that
may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally
but such a request will expire after 14 days unless you confirm your request in writing within that time. Written
stop payment orders are effective only for six (6) months and may be renewed for additional six month periods by
requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop
payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop
payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your
rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to
indemnify and hold us harmless from all costs and expenses, including attorney’s fees, damages, or claims, related to
our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information
provided to us or the giving of inadequate time to act upon a stop payment request.

2. USING YOUR CARD — You understand that the use of your credit card or credit card account will constitute
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account
Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept
your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your
card. If you wish to pay for goods or services over the Internet, you may be required to provide card number
security information before you will be permitted to complete the transaction. In addition, you may obtain cash
advances from the Credit Union, from other financial institutions that accept your card, and from some automated

teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your
card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use
the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is
illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be
responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain
cash advances on your account, you may also use your card to purchase instruments and engage in transactions
that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and
include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as
applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of
convenience checks or any other charge) made to your account by you or anyone you authorize to use your
account. You also promise to pay all finance charges and other charges added to your account under the terms of
this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on
JOINT ACCOUNTS also applies to your account.

4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed
on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a
payment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate
charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the
Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be
an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that
type of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be
effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate period expires, the
periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction based
on the terms of this Agreement.

5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance
charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the
entire new balance on the previous cycle’s billing statement by the payment due date of that statement; otherwise
a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance
charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment
due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash
advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is
later (transaction date).

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily
balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases,
and subtract any payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily
balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle.
This gives us the average daily balance of purchases.

For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of
cash advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance
of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply
to the cash advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances
of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This
gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash
advances.

6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for
processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency
markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the
government-mandated rate in effect for the applicable central processing date. The exchange rate used on the
processing date may differ from the rate that would have been used on the purchase date or cardholder statement
posting date.

7. FEES —In addition to the periodic rate, the following additional fees may be imposed on your account. If
applicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this
Agreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying this
Agreement.

a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the
issuance of your card. Each year following, the annual fee will be charged to your account during the same month
that you were first charged the fee. The fee will be charged each year until your account is closed and paid in full.

b. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the
fee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer
a balance from an account of another creditor to the account subject to this Agreement.

c. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee
will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial
institution.

d. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account
when you do not make the required minimum payment by or within the number of days of the statement Payment
Due Date set forth on the Disclosure accompanying this Agreement.

e. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we
may charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the
next two billing cycles unless you have obtained an additional extension of credit in excess of such credit limit
during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill cycle.

f. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your
account when a payment is returned for any reason.

g. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will
be charged to your account when a convenience check is returned for any reason.

h. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a
fee may be charged to your account for each copy of a sales draft or statement that you request (except when the
request is made in connection with a billing error made by the Credit Union).

i. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to
your account for each rush card that you request, providing delivery of the card is also available by standard mail
service, without paying a fee for delivery.

8. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date
specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total
new balance in full. If you make extra or larger payments, you are still required to make at least the minimum
payment each month your account has a balance (other than a credit balance). The minimum payment is 2.50% of
your total new balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you
have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date
specified on the statement. The Credit Union also has the right to demand immediate payment of any amount by
which you are over your credit limit.

9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the
Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in
excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the
balance with the highest annual percentage rate and any remaining portion to the other balances in descending
order based on applicable annual percentage rate.

10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and
under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You
may not withdraw amounts that have been specifically pledged to secure your account until the Credit Union
agrees to release all or part of the pledged amount.

For California Borrowers, the Secured Visa is a secured credit card. Credit extended under this credit card
account is secured by various personal property and money including, but not limited to: (a) any goods you
purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate
Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding
shares in an Individual Retirement Account or in any other account that would lose special tax treatment
under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding
dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are
a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of
Shares you grant us but will not be secured by all shares you have in any individual or joint account with the
Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will
never be considered as security for this account, notwithstanding anything to the contrary in any other agreement.

11. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the
date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in
default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they
become due. You will be in default if you make any false or misleading statements in any credit application or credit
update. You will also be in default if something happens that the Credit Union believes may substantially reduce
your ability to repay what you owe.

When you are in default, the Credit Union has the right to demand immediate payment of your full account balance
without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the
periodic rate charged before default, until what you owe has been paid, and any shares that were given as security
for your account may be applied towards what you owe.

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us
immediately, orally or in writing, at Stanford Federal Credit Union, PO Box 10409, Des Moines, IA 50306-0409 or
telephone (888) 723-7328 seven (7) days a week, 24 hours a day or (650) 723-2509 seven (7) days a week, 24 hours a
day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your
credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are
grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.

13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the
terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in
accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your
existing account balance as well as to future transactions.

Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit
Union will not affect your obligation to pay the account balance plus any finance and other charges you owe under
this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe under this
agreement are subject to all applicable laws and regulations regarding repayment requirements. You are also
responsible for all transactions made to your account after termination, unless the transactions were unauthorized.

The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the
Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the
account.

14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for
authorized users that you designate. You must notify us in writing of any termination of an authorized user’s right
to access your account. Your letter must include the name of the authorized user and your account number and/or
any subaccount number issued to the authorized user along with the authorized user’s card and any convenience or
other access checks issued to the authorized user. If you cannot return the authorized user’s card or access checks
and if you request your account to be closed, we will close your account and you may apply for a new account.

15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding
your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for
emergency cash and/or emergency card replacement services, and you request such services, you agree that we
may provide personal information about you and your account that is necessary to provide you with the requested
service(s).

16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns or
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If
your credits and payments exceed what you owe the Credit Union,the amount will be applied against future
purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written
request or automatically after six (6) months.

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the
Credit Union is not obligated to offer such services and may withdraw or change them at any time.

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial
institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out
of goods or services you purchase with the card if you have made a good faith attempt but have been unable to
obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an
advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00
and was made in your state or within 100 miles of your home.

19. 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 the Credit Union can require any one of you individually to
repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash
advances individually. Any one of you may terminate the account and the termination will be effective as to all of
you.

20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account
even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.

22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you
have given the Credit Union. Notice sent to any one of you will be considered notice to all.

23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence
of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or
unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the
fullest extent possible under this Agreement.

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.

25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of
electronic gambling transaction through the Internet.

26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of
the conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your
account are subject to applicable notice requirements. Please refer to the Disclosure for additional information
regarding the Penalty Rate.

27. 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.

28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

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 the address listed on your statement.

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 [or electronically]. You may call us, but if you do we are not
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we
have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill
is correct.

While we investigate whether or not there has been an error:

– We cannot try to collect the amount in question, or report you as delinquent on that amount.

– The charge in question may remain on your statement, and we may continue to charge you interest on that
amount.

– While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

– We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

– If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to
that amount.

– If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then
report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 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, contact us in writing [or
electronically] at the address 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.

NOTICE OF NEGATIVE INFORMATION — Federal law requires us to provide the following notice to members
before any “negative information” may be furnished to a nationwide consumer reporting agency. We may report
information about your account to credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.

Rev April 17, 2018

 (/)

ABA Routing # 321177722

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