REWARDS/FREE/GOLDCONSUMER CREDIT CARD AGREEMENTInthisAgreement,"Agreement"meansthisConsumerCreditCardAgreement."Disclosure"meanstheCreditCardAccountOpeningDisclosure.TheAccountOpeningDisclosureisincorporatedintothisConsumerCreditCardAgreementandispartoftheAgreement.InthisAgreementthewords"you,""your,"and"yours"meaneachandallofthosewhoagreetobeboundbythisAgreement;"card"meanstheVisacreditcardandanyduplicates,renewals,orsubstitutionstheCreditUnionissuestoyou;"account"meansyourVisacreditcardline-of-creditaccountwiththeCreditUnion;and"CreditUnion"meanstheCreditUnionwhosenameappearsonthis Agreement or anyone to whom the Credit Union transfers this Agreement.1.USINGYOURACCOUNT-Ifyouareapprovedforanaccount,theCreditUnionwillestablishalineofcreditforyou.Youagreethatyourcreditlimitisthemaximumamount(purchases,cashadvances,financecharges,plus"othercharges")whichyouwillhaveoutstandingonyouraccountatanytime.Unlessdisclosedotherwise,theCreditUnionwillnotallowadvancesoverthecreditlimit.IftheCreditUnionhasaprogramwherebyitallowspaymentofadvancesthatexceedyourcreditlimit,subjecttoafee,theCreditUnionwillprovideyouwithnotice,eitherorally,inwriting,orelectronically(notwithstandingtherequirementsoftheparagraphentitled"StatementsandNotices")explainingyourrighttooptintotheCreditUnion'sprogramwherebyitwillhonoradvancerequestsoverthecreditlimit.Intheeventyouoptintosuchaprogram,youagreetothetermsofsuchaprogram.YoumayrequestanincreaseinyourcreditlimitonlybyamethodacceptabletotheCreditUnion.TheCreditUnionmayincreaseordecreaseyourcreditlimit,refusetomakeanadvanceand/orterminateyouraccountatanytimeforanyreasonnotprohibitedbylaw.Ifyouarepermittedtoobtaincashadvancesonyouraccount,wemay,fromtimetotime,issueconveniencecheckstoyouthatmaybedrawnonyouraccount.Conveniencechecksmaynotbeusedtomakeapaymentonyouraccountbalance.Ifyouuseaconveniencecheck,itwillbepostedtoyouraccountasacashadvance.Wereservetherighttorefusetopayaconveniencecheckdrawnonyour account for any reason and such refusal shall not constitute wrongful dishonor.Youmayrequestthatwestopthepaymentofaconveniencecheckdrawnonyouraccount.Youagreetopayanyfeeimposedtostopapaymentonaconveniencecheckissuedonyouraccount.Youmaymakeastoppaymentrequestorally,ifpermitted,orinwriting.Yourrequestmustbemadewithsufficienttimeinadvanceofthepresentmentofthecheckforpaymenttogiveusareasonableopportunitytoactonyourrequest.Inaddition,yourrequestmustaccuratelydescribethecheckincludingtheexactaccountnumber,thepayee,anychecknumberthatmaybeapplicable,andtheexactamountofthecheck.Ifpermitted,youmaymakeastoppaymentrequestorallybutsucharequestwillexpireafter14daysunlessyouconfirmyourrequestinwritingwithinthattime.Writtenstoppaymentordersareeffectiveonlyforsixmonthsandmayberenewedforadditionalsixmonthperiodsbyrequestinginwritingthatthestoppaymentorderberenewed.Wearenotrequiredtonotifyyouwhenastoppaymentorderexpires.Ifwere-credityouraccountafterpayingacheckordraftoveravalidandtimelystoppaymentorder,youagreetosignastatementdescribingthedisputewiththepayee,toassigntousallofyourrightsagainstthepayeeorotherholdersofthecheckordraftandtoassistusinanylegalaction.Youagreetoindemnifyandholdusharmlessfromallcostsandexpenses,includingattorney'sfees,damages,orclaims,relatedtoourhonoringyourstoppaymentrequestorinfailingtostoppaymentofanitemasaresultofincorrectinformation provided to us or the giving of inadequate time to act upon a stop payment request. 2.USINGYOURCARD-YouunderstandthattheuseofyourcreditcardorcreditcardaccountwillconstituteacknowledgementofreceiptandagreementtothetermsoftheCreditCardAgreementandCreditCardAccountOpeningDisclosure(Disclosure).Youmayuseyourcardtomakepurchasesfrommerchantsandotherswhoacceptyourcard.Thecreditunionisnotresponsiblefortherefusalofanymerchantorfinancialinstitutiontohonoryourcard.IfyouwishtopayforgoodsorservicesovertheInternet,youmayberequiredtoprovidecardnumbersecurityinformationbeforeyouwillbepermittedtocompletethetransaction.Inaddition,youmayobtaincashadvancesfromtheCreditUnion,fromotherfinancialinstitutionsthatacceptyourcard,andfromsomeautomatedtellermachines(ATMs).(NotallATMsacceptyourcard.)IfthecreditunionauthorizesATMtransactionswithyourcard,itwillissueyouapersonalidentificationnumber(PIN).ToobtaincashadvancesfromanATM,youmustusethePINissuedtoyouforusewithyourcard.Youagreethatyouwillnotuseyourcardforanytransactionthatisillegalunderapplicablefederal,state,orlocallaw.Evenifyouuseyourcardforanillegaltransaction,youwillberesponsibleforallamountsandchargesincurredinconnectionwiththetransaction.Ifyouarepermittedtoobtaincashadvancesonyouraccount,youmayalsouseyourcardtopurchaseinstrumentsandengageintransactionsthatweconsidertheequivalentofcash.Suchtransactionswillbepostedtoyouraccountascashadvancesandinclude,butarenotlimitedto,wiretransfers,moneyorders,bets,lotterytickets,andcasinogamingchips,asapplicable.Thisparagraphshallnotbeinterpretedaspermittingor authorizing any transaction that is illegal.3.PROMISETOPAY-Youpromisetopayallcharges(purchases,cashadvances,balancetransfers,useofconveniencechecksoranyothercharge)madetoyouraccountbyyouoranyoneyouauthorizetouseyouraccount.YoualsopromisetopayallfinancechargesandotherchargesaddedtoyouraccountunderthetermsofthisAgreementoranotheragreementyoumadewiththeCreditUnion.Ifthisisajointaccount,theparagraphonJOINT ACCOUNTS also applies to your account.CUNA Mutual Group 2008 All Rights ReservedDMDDW5 (MXC501 CCM002)-e4.PERIODICRATES-Theperiodicratesapplicabletopurchases,cashadvances,andbalancetransfersaredisclosedontheDisclosurethataccompaniesthisAgreement.AnypenaltyratethatmaybeimposedforfailingtomakeapaymentbythepaymentduedateisalsodisclosedontheDisclosure.Anyratechangewillbemadepursuanttoapplicablelaw.Iftherateforyouraccountisvariable,asindicatedontheaccompanyingDisclosure,theratechargedonpurchases,cashadvances,balancetransfersandanypenaltyratewillvaryperiodicallyasdisclosedintheDisclosureaccompanyingthisAgreement.Theinitialrateonyouraccountforcertaintypesoftransactionsmaybeanintroductorydiscountedrate(IntroductoryRate)thatislowerthantheratethatwouldordinarilyapplyforthattypeoftransaction.IfanIntroductoryRateappliestoyouraccount,theratesandtheperiodoftimeitwillbeeffectiveisshownontheDisclosureaccompanyingthisAgreement.AftertheIntroductoryRateperiodexpires,theperiodicratewillautomaticallyincreasetotheratesthatwouldordinarilyapply for that type of transaction based on the terms of this Agreement.5.FINANCECHARGES-Newpurchasespostedtoyouraccountduringabillingcyclewillnotincurafinancechargeforthatbillingcycleifyouhadazeroorcreditbalanceatthebeginningofthatbillingcycle,oryoupaidtheentirenewbalanceonthepreviouscycle'sbillingstatementbythepaymentduedateofthatstatement;otherwiseafinancechargewillaccruefromthedateapurchaseispostedtoyouraccount.Toavoidanadditionalfinancechargeonthebalanceofpurchases,youmustpaytheentirenewbalanceonthebillingstatementbythepaymentduedateofthatstatement.Afinancechargebeginstoaccrueoncashadvancesfromthedateyougetthecashadvanceorfromthefirstdayofthebillingcycleinwhichthecashadvanceispostedtoyouraccount,whichever is later (transaction date).Thefinancechargeiscalculatedseparatelyforpurchasesandcashadvances.Forpurchases,thefinancechargeiscomputedbyapplyingtheperiodicratetotheaveragedailybalanceofpurchases.Tocalculatetheaveragedailybalanceofpurchases,wetakethebeginningoutstandingbalanceofpurchaseseachday,addanynewpurchases,andsubtractanypaymentsand/orcredits.Thisgivesusthedailybalanceofpurchases.Wethenaddallofthedailybalancesofpurchasesforthebillingcycletogetheranddividethetotalbythenumberofdaysinthe billing cycle. This gives us the average daily balance of purchases. Forcashadvances,thefinancechargeiscomputedbyapplyingtheperiodicratetotheaveragedailybalanceofcashadvances.Tocalculatetheaveragedailybalanceofcashadvances,wetakethebeginningoutstandingbalanceofcashadvanceseachday,addinanynewcashadvances,andsubtractanypaymentsand/orcreditsthatweapplytothecashadvancebalance.Thisgivesusthedailybalanceofcashadvances.Wethenaddallofthedailybalancesofcashadvancesforthebillingcycletogetheranddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesustheaveragedailybalanceofcashadvances.Balancetransfersarecalculatedinthesame manner as cash advances.6.FOREIGNTRANSACTIONS-PurchasesandcashadvancesmadeinforeigncurrencieswillbedebitedfromyouraccountinU.S.dollars.TheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromarangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichratemayvaryfromtherateVisaitselfreceivesorthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdate.Theexchangerateusedontheprocessingdatemaydifferfromtheratethatwouldhavebeenusedonthepurchasedateorcardholderstatement posting date.7.FEES-Inadditiontotheperiodicrate,thefollowingadditionalfeesmaybeimposedonyouraccount.Ifapplicabletoyouraccount,thefeeamountsandexplanationsaredisclosedontheDisclosureaccompanyingthisAgreement.YouraccountmayalsobesubjecttoadditionalfeesassetforthontheDisclosureaccompanyingthisAgreement.a.AnnualFee.IfyouraccountissubjecttoanAnnualFee,thefeewillbechargedtoyouraccountonDecember31st of each year. The fee will be charged each year until your account is closed and paid in full.b.LatePaymentFee.IfyouraccountissubjecttoaLatePaymentFee,thefeewillbechargedtoyouraccountwhenyoudonotmaketherequiredminimumpaymentbyorwithinthenumberofdaysofthestatementPaymentDue Date set forth on the Disclosure accompanying this Agreement.c.Over-the-CreditLimitFee.Ifyouhaveelectedthefeaturetoallowyouraccounttogooveryourcreditlimit,wemaychargeyouafeeasallowedbylaw.However,innocasewillweimposeanover-the-limitfeeexceptinthenexttwobillingcyclesunlessyouhaveobtainedanadditionalextensionofcreditinexcessofsuchcreditlimitduringeachsubsequentcycleoryouhavereducedthebalancebelowthecreditlimitasoftheendofeachbillcycle.d.ReturnedPaymentFee.IfyouraccountissubjecttoaReturnedPaymentFee,thefeewillbechargedtoyouraccount when a payment is returned for any reason.e.ReturnedConvenienceCheckFee.IfyouraccountissubjecttoaReturnedConvenienceCheckFee,thefeewill be charged to your account when a convenience check is returned for any reason.f.StatementCopyFee.IfyouraccountissubjecttoaStatementCopyFee,exceptaslimitedbyapplicablelawandwhentherequestismadeinconnectionwithabillingerrormadebytheCreditUnion,afeemaybechargedto your account for each copy of a sales draft or statement that you request.DMDDW5 (MXC501 CCM002)-eYourAccountissecuredbyallothersharesyouhaveinanyindividualorjointaccountwiththeCreditUnion,exceptforsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallawifgivenassecurity.Theseothersharesmaybewithdrawnunlessyouareindefaultunderthisagreement.YouauthorizetheCreditUniontoapplythebalanceinyourindividualorjointshare accounts to pay any amounts due on your Account if you should default.g.DocumentCopyFee.IfyouraccountissubjecttoaDocumentCopyFee,exceptaslimitedbyapplicablelaw,afeemaybechargedtoyouraccountforeachcopyofasalesdraftorstatementthatyourequest(exceptwhenthe request is made in connection with a billing error made by the Credit Union).h.CardReplacementFee.IfyouraccountissubjecttoaCardReplacementFee,afeewillbechargedforeachreplacement card that is issued to you for any reason.i.CashAdvanceStopPaymentFee.IfyouraccountissubjecttotheCashAdvanceStopPaymentFee,afeewill be charged to your account as disclosed on the Disclosure accompanying this Agreement.8.PAYMENTS-Eachmonthyoumustpayatleasttheminimumpaymentshownonyourstatementbythedatespecifiedonthestatement.Youmaypaymorefrequently,paymorethantheminimumpaymentorpaythetotalnewbalanceinfull.Ifyoumakeextraorlargerpayments,youarestillrequiredtomakeatleasttheminimumpaymenteachmonthyouraccounthasabalance(otherthanacreditbalance).ForourVisacards,theminimumpaymentis2.50%ofyourtotalnewbalance,or$25.00,whicheverisgreater,plustheamountofanypriorminimumpaymentsthatyouhavenotmade,alloutstandingunpaidfeesandcharges,andanyamountyouareoveryourcreditlimitbythedatespecifiedonthestatement.TheCreditUnionalsohastherighttodemandimmediatepaymentofanyamountbywhichyouareoveryourcreditlimit.Inaccordancewithapplicablelaw,theCreditUnionmaynotpostpaymentstoyouraccountorreflecttheminyouravailablecreditlimitonthedatetheyarereceived.TheCreditUnionmaydelayreplenishingyourcreditlimituntilthedatethepaymentispostedortheCreditUnionconfirmsthepaymenthascleared.9.PAYMENTALLOCATION-Subjecttoapplicablelaw,yourpaymentsmaybeappliedtowhatyouowetheCreditUnioninanymannertheCreditUnionchooses.However,ineverycase,intheeventyoumakeapaymentinexcessoftherequiredminimumperiodicpayment,theCreditUnionwillallocatetheexcessamountfirsttothebalancewiththehighestannualpercentagerateandanyremainingportiontotheotherbalancesindescendingorder based on applicable annual percentage rate.10.SECURITYINTEREST-YougranttheCreditUnionasecurityinterestundertheUniformCommercialCodeandunderanycommonlawrightstheCreditUnionmayhaveinanygoodsyoupurchase.IfyougivetheCreditUnionaspecificpledgeofsharesbysigningaseparatepledgeofshares,yourpledgedshareswillsecureyouraccount.YoumaynotwithdrawamountsthathavebeenspecificallypledgedtosecureyouraccountuntiltheCreditUnionagrees to release all or part of the pledged amount. DMDDW5 (MXC501 CCM002)-eCollateralsecuringotherloansyouhavewiththeCreditUnionmayalsosecurethisloan,exceptthatadwellingwillneverbeconsideredassecurityforthisaccount,notwithstandinganythingtothecontraryinanyotheragreement.11.DEFAULT-Youwillbeindefaultifyoufailtomakeanyminimumpaymentorotherrequiredpaymentbythedatethatitisdue.YouwillbeindefaultifyoubreakanypromiseyoumakeunderthisAgreement.Youwillbeindefaultifyoudie,fileforbankruptcyorbecomeinsolvent,thatis,unabletopayyourobligationswhentheybecomedue.Youwillbeindefaultifyoumakeanyfalseormisleadingstatementsinanycreditapplicationorcreditupdate.YouwillalsobeindefaultifsomethinghappensthattheCreditUnionbelievesmaysubstantiallyreduce your ability to repay what you owe.Whenyouareindefault,theCreditUnionhastherighttodemandimmediatepaymentofyourfullaccountbalancewithoutgivingyounotice.Ifimmediatepaymentisdemanded,youagreetocontinuepayingfinancechargesattheperiodicratechargedbeforedefault,untilwhatyouowehasbeenpaid,andanysharesthatweregiven as security for your account may be applied towards what you owe.12.LIABILITYFORUNAUTHORIZEDUSE-LOST/STOLENCARDNOTIFICATION-Youagreetonotifyusimmediately,orallyorinwriting,atPOBox179,Greenbelt,MD20768-0179ortelephone(800)356-6580seven(7)daysaweek,24hoursaday,oftheloss,theft,orunauthorizeduseofyourcreditcard.Youmaybeliablefortheunauthorizeduseofyourcreditcard.Youwillnotbeliableforunauthorizedusethatoccursafteryounotifyusoftheloss,theft,orpossibleunauthorizeduse.Youwillhavenoliabilityforunauthorizedpurchasesmadewithyourcreditcard,unlessyouaregrosslynegligentinthehandlingofyourcard.Inanycase,yourliabilitywillnot exceed $50.00.13.CHANGINGORTERMINATINGYOURACCOUNT-Aspermittedbylaw,theCreditUnionmaychangethetermsofthisAgreementandanyattachedDisclosurefromtimetotime.Noticeofanychangewillbegiveninaccordancewithapplicablelaw.Ifpermittedbylawandspecifiedinthenoticetoyou,thechangewillapplytoyour existing account balance as well as to future transactions.DMDDW5 (MXC501 CCM002)-eEitheryouortheCreditUnionmayterminatethisAgreementatanytime,butterminationbyyouortheCreditUnionwillnotaffectyourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesyouoweunderthisAgreement.Yourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesyouoweunderthisagreementaresubjecttoallapplicablelawsandregulationsregardingrepaymentrequirements.Youarealsoresponsibleforalltransactionsmadetoyouraccountaftertermination,unlessthetransactionswereunauthorized.ThecardorcardsyoureceiveremainthepropertyoftheCreditUnionandyoumustrecoverandsurrendertotheCreditUnionallcardsuponrequestoruponterminationofthisAgreementwhetherbyyouortheCreditUnion.Ifthisisajointaccount,theparagraphonJOINTACCOUNTSofthisAgreementalsoappliestoterminationoftheaccount.14.CHANGINGORTERMINATINGAUTHORIZEDUSERS-Uponyourrequest,wemayissueadditionalcardsforauthorizedusersthatyoudesignate.Youmustnotifyusinwritingofanyterminationofanauthorizeduser'srighttoaccessyouraccount.Yourlettermustincludethenameoftheauthorizeduserandyouraccountnumberand/oranysubaccountnumberissuedtotheauthorizeduseralongwiththeauthorizeduser'scardandanyconvenienceorotheraccesschecksissuedtotheauthorizeduser.Ifyoucannotreturntheauthorizeduser'scardoraccesschecksandifyourequestyouraccounttobeclosed,wewillcloseyouraccountandyoumayapplyfora new account.15.CREDITREVIEWANDRELEASEOFINFORMATION-YouauthorizetheCreditUniontoinvestigateyourcreditstandingwhenopeningorreviewingyouraccount.YouauthorizetheCreditUniontodiscloseinformationregardingyouraccounttocreditbureausandcreditorswhoinquireaboutyourcreditstanding.Ifyouraccountiseligibleforemergencycashand/oremergencycardreplacementservices,andyourequestsuchservices,youagreethatwemayprovidepersonalinformationaboutyouandyouraccountthatisnecessarytoprovideyouwith the requested service(s).16.RETURNSANDADJUSTMENTS-Merchantsandotherswhohonoryourcardmaygivecreditforreturnsoradjustments,andtheywilldosobysendingtheCreditUnionacreditslipwhichwillbepostedtoyouraccount.IfyourcreditsandpaymentsexceedwhatyouowetheCreditUnion,theamountwillbeappliedagainstfuturepurchasesandcashadvances.Ifthecreditbalanceamountis$1.00ormore,itwillberefundeduponyourwritten request or automatically after six months.17.ADDITIONALBENEFITS/CARDENHANCEMENTS-TheCreditUnionmayfromtimetotimeofferadditionalservicestoyouraccount,suchastravelaccidentinsurance,atnoadditionalcosttoyou.YouunderstandthattheCredit Union is not obligated to offer such services and may withdraw or change them at any time.18.MERCHANTDISPUTES-TheCreditUnionisnotresponsiblefortherefusalofanymerchantorfinancialinstitutiontohonoryourcard.TheCreditUnionissubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththecardifyouhavemadeagoodfaithattemptbuthavebeenunabletoobtainsatisfactionfromthemerchantorserviceprovider,and(a)yourpurchasewasmadeinresponsetoanadvertisementtheCreditUnionsentorparticipatedinsendingtoyou;or(b)yourpurchasecostmorethan$50.00 and was made in your state or within 100 miles of your home.19.JOINTACCOUNTS-Ifthisisajointaccount,eachofyouwillbeindividuallyandjointlyresponsibleforpayingallamountsowedunderthisAgreement.ThismeansthattheCreditUnioncanrequireanyoneofyouindividuallytorepaytheentireamountowedunderthisAgreement.Eachofyouauthorizestheother(s)tomakepurchasesorcashadvancesindividually.Anyoneofyoumayterminatetheaccountandtheterminationwillbeeffective as to all of you.20.EFFECTOFAGREEMENT-ThisAgreementisthecontractwhichappliestoalltransactionsonyouraccounteven though the sales, cash advances, credit or other slips you sign or receive may contain different terms.21.NOWAIVER-TheCreditUnioncandelayenforcinganyofitsrightsanynumberoftimeswithoutlosingthem.22.STATEMENTSANDNOTICES-Statementsandnoticeswillbemailedordeliveredtoyouattheappropriateaddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 23.SEVERABILITYANDFINALEXPRESSION-ThisAgreementandtheDisclosurearethefinalexpressionofthetermsandconditionsofyouraccount.ThiswrittenAgreementandDisclosuremaynotbecontradictedbyevidenceofanyallegedoralagreement.ShouldanypartofthisAgreementortheDisclosurebefoundtobeinvalidorunenforceable,allotherpartsofthisAgreementandDisclosureshallremainineffectandfullyenforceable to the fullest extent possible under this Agreement.24.COPYRECEIVED-YouacknowledgethatyouhavereceivedacopyofthisAgreementandDisclosure.25.INTERNETGAMBLINGTRANSACTIONSPROHIBITED-Youmaynotuseyourcardtoinitiateanytypeofelectronic gambling transaction through the Internet.DMDDW5 (MXC501 CCM002)-eYour Billing Rights: Keep this Document for Future Use26.PENALTYRATEDISCLOSURES-Ifapplicabletoyouraccount,allratesforyouraccount,includingtheratesforpurchases,cashadvances,andbalancetransfers,willincreasetothePenaltyRatewhenyoumeetoneormoreoftheconditionsassetforthintheDisclosureaccompanyingthisAgreement.Anyrateincreasesappliedtoyouraccountaresubjecttoapplicablenoticerequirements.PleaserefertotheDisclosureforadditionalinformation regarding the Penalty Rate.27.VOLUNTARYPAYMENTPROTECTION-WemayofferVoluntaryPaymentProtectiontoyou.VoluntaryPaymentProtectionisnotnecessarytoobtaincredit.IfyoupurchaseVoluntaryPaymentProtectionfromus,youauthorizeustoaddthefeesorinsurancechargesmonthlytoyourloanbalanceandchargeyouinterestontheentirebalance.Atouroptionwewillchangeyourpaymentortheperiodoftimenecessarytorepaytheloanbalance.Therateusedtodeterminethefeesorinsurancechargesmaychangeinthefuture.Iftheratechanges,we will provide any notices required by applicable law. 28.NOTICETOUTAHBORROWERS-Thiswrittenagreementisafinalexpressionoftheagreementbetweenyouand the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.29.THEFOLLOWINGISREQUIREDBYVERMONTLAW-NOTICETOCO-SIGNER-YOURSIGNATUREONTHISNOTEMEANSTHATYOUAREEQUALLYLIABLEFORREPAYMENTOFTHISLOAN.IFTHEBORROWERDOESNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.ThisnoticetellsyouaboutyourrightsandourresponsibilitiesundertheFairCreditBillingAct.What To Do If You Find A Mistake On Your StatementIf 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:-Accountinformation:Yournameandaccountnumber.-Dollaramount:Thedollaramountofthesuspectederror.-Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:-Within60daysaftertheerrorappearedonyourstatement.-Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.Youmustnotifyusofanypotentialerrorsinwriting[orelectronically].Youmaycallus,butifyoudowearenotrequired to investigate any potential errors and you may have to pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:1.Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.2.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.While we investigate whether or not there has been an error:-Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.-Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.-Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.-Wecanapplyanyunpaidamountagainstyourcreditlimit.After we finish our investigation, one of two things will happen:-Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.DMDDW5 (MXC501 CCM002)-eIfyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthematterhasbeensettled between us.Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50oftheamountyouquestion even if your bill is correct.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamount due on the purchase.To use this right, all of the following must be true:1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.)2.Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contactusinwriting[orelectronically] at the address listed on your statement.Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent.