Credit Card 
Agreement and 
Disclosure
Statement
Your Lifetime Financial Partner 1In this Agreement the words �you� and �your� 
mean each and all of those signing, using or 
having a credit Card Account with Northwest 
Federal Credit Union, referred to as �we� and 
�us� or �Credit Union�. The �Card� and/or 
the �Account� means any credit Card issued 
to you or those designated by you under the 
terms of this Agreement. �Use of the Card� 
means any procedures used by you, or someone 
authorized by you, to make a purchase or obtain 
a cash advance whether or not the purchase 
or advance is evidenced by a signed written 
document. Virginia law will be used to interpret 
this Agreement unless federal law applies. The 
provisions of this Agreement are severable. If 
any provision of this Agreement is held by a 
court of law to be invalid or unenforceable the 
rest of this Agreement will not be affected.
1. Acceptance of Cardholder Agreement. 
By either using the Account or signing, using 
or accepting the plastic cards(s) issued to you 
by us (your �Card(s)�), you accept the terms 
and conditions of this Agreement. All Cards 
issued to you remain our property and must be 
returned to us upon request. Once you have 
received your Card, call the phone number 
shown on the front of the Card to activate your 
Card. By activating your Card, you acknowledge 
you have received a copy of this disclosure. 
We may delay or deny access to your Account 
until you have called to confirm that you have 
received and activated your Card.
2. Credit Line.  Your Card Account will be an 
open end Account. This means that you may 
borrow the full amount of the line of credit, 
repay the principal, accrued interest and fees 
in full or in part, and borrow again up to your 
maximum line of credit, as long as you continue 
to be creditworthy and a member of the Credit 
Union in good standing. To remain in good 
standing, you must meet your entire loan and 
Account obligations to the Credit Union and 
comply with applicable laws and the Credit 
Union�s bylaws. You agree to not use your Card 
when the use will exceed your total credit limit. 
You also agree that we are not obligated to 
extend credit to you for an amount that would 
make your outstanding balance exceed your 
total credit limit or for any amount if your 2outstanding balance is already over the total 
credit limit. We can change your credit limit at 
any time. If we allow you to use your Account 
for more than your limit, you still agree to pay 
the full amount you owe us. We may decline 
to honor any transactions for any reason. You 
agree that you will not use your Account for any 
transaction that is illegal under any applicable 
law.
3. Promise To Pay.  You agree to pay us the 
amount of purchases, cash advances, balance 
transfers, fees and finance charges that you, 
your coapplicant and/or authorized users make 
(even if we didn�t issue a Card in that person�s 
name) and whether or not you notify us that he 
or she will be using it. Each person who uses the 
Card(s) or permits another to use the Card(s) 
agrees to be jointly and severally liable to the 
Credit Union for all obligations due to the Credit 
Union hereunder. If another person has use of 
your Account and you want to end that person�s 
privilege, you must recover and return that 
person�s Card, if any. If you are unable to recover 
and return the Card, you will continue to be 
liable for any charges made unless you tell us to 
cancel all Cards and establish a new Account for 
you. We will automatically cancel all Cards if you 
notify us of unauthorized use. Your obligation to 
pay the Account balance continues even though 
an agreement, divorce decree or other court 
judgment to which we are not a party may direct 
you or one of the other persons responsible 
under this Agreement to pay the Account.
4. Authorizations. Some transactions on your 
Account will require prior approval. These prior 
approvals are called �authorizations�. We may 
limit the number of authorizations we will give 
the Account  during any certain period of time 
(day, weekend, week) and we may deny an 
authorization if we suspect that your Account  
is being used without your permission. If our 
authorization system is not working fully, we 
may be unable to give an authorization. For 
security reasons, we cannot explain the details 
of how the authorization system works. You 
agree that we will not be liable for failing to 
give an authorization. Transactions at some 
participating merchants (such as hotels, car 
rental companies, restaurants and gas stations)  3may result in authorizations for amounts greater 
than the actual purchase amount, which will 
have the effect of making less credit available 
on your Account for several days (usually 
until the date the actual purchase amount is 
received from the merchant). We may, but are 
not required to, authorize transactions that will 
cause the balance on your Account to exceed 
the credit limit, and you agree that you are liable 
for any such transactions as well as interest. If 
you make a transaction that would cause you 
to exceed your total credit limit we may (1) 
authorize the transaction without increasing your 
total credit limit; (2) authorize the transaction 
without increasing your total credit limit and 
treat that amount as immediately due, or (3) 
deny authorization. If the authorization is denied 
we may notify the person who attempted 
the transaction that it has been refused. If we 
authorize a transaction that causes your Account 
to exceed its credit limit, it does not mean that 
we will do so again in the future. In addition, 
we reserve the right to deny transactions or 
authorizations from merchants apparently 
engaging in the Internet gambling business 
or identifying themselves through the Card 
transaction record or otherwise as engaged in 
such business.
5. Special Features.  You may receive separate 
information about special features of your 
Card Account. Your use of such features will be 
governed both by the terms of this Agreement 
and by the terms contained in such separate 
information.
6. Monthly Payment.  Your monthly statement 
will tell you the total amount that you owe us, 
the minimum payment that you must make and 
your payment due date. The minimum payment 
for credit card Accounts will be the greater of (1) 
2% of the new balance or (2) $35.00. If the new 
balance of your Account is less than $35.00 the 
minimum payment will be the new balance.
You may pay the new balance in whole or in part 
at any time. We will not charge you a penalty for 
paying more than the minimum payment. We 
will determine at our option, the order in which 
payments will be applied toward Purchases, 
Cash Advances, Balance Transfer, unpaid 
Finance Charges and other Fees and Charges in  4accordance with applicable laws. We may accept 
checks marked �payment in full� or with words 
of similar effect without losing any of our rights 
to collect the full balance of your Account with 
us. In addition, any past due amount is due and 
payable immediately. If your balance exceeds 
your credit limit, we also require that you pay 
the over limit amount.
Any payment submitted to us in the form of 
a check or other paper document may be 
converted to an electronic transaction through 
procedures established by the National 
Automated Clearing House Association. If this 
occurs, the original check or other document 
that you send to us will not be retained, but a 
copy would be available if requested.
7. Finance Charges, Grace Period and Index 
Rate.  A FINANCE CHARGE will be imposed on 
Credit Purchases only if you elect not to pay the 
entire New Balance of purchases  shown on your 
monthly statement for the previous billing cycle 
within 25 days from the closing date of that 
statement. If you elect not to pay the entire New 
Balance of purchases  shown on your previous 
monthly statement within that 25-day period, 
a FINANCE CHARGE will be imposed on the 
unpaid average daily balance of such Credit 
Purchases from the previous statement closing 
date and on new Credit Purchases from the date 
of posting to your Account during the current 
billing cycle, and will continue to accrue until 
the closing date of the billing cycle preceding 
the date on which the entire New Balance of 
purchases is paid in full or until the date of 
payment if more than 25 days from the closing 
date. A FINANCE CHARGE will be imposed on 
each Cash Advance from the transaction date 
and continue daily until the date each Cash 
Advance is paid in full.
The FINANCE CHARGE for a billing cycle is 
computed by applying the monthly Periodic 
Rate to the average daily balance of Credit 
Purchases and Cash Advances, which is 
determined by dividing the sum of the daily 
balances during the billing cycle by the number 
of days in the cycle. Each daily balance of Credit 
Purchases and Cash Advances is determined 
by adding to the outstanding unpaid balance 
of Credit Purchases and Cash Advances at the  5beginning of the billing cycle any new Credit 
Purchases and Cash Advances posted to your 
Account, and subtracting any payments as 
received and credits as posted to your Account, 
but excluding any unpaid FINANCE CHARGES.
VISA FirstCard Periodic Rate:  To determine 
the Periodic Rate, we take the Rate divide that 
number by 12 to arrive at the periodic rate. For 
example, if the rate were 12.90% the Periodic 
Rate for that billing cycle would be 1.075%
(12.9% divided by 12).
VISA Platinum Periodic Rate for Accounts 
opened on or after 1/6/2010:  To determine 
the Periodic Rate, we take the �Index Rate,� as 
defined below, add a Margin and divide that 
number by 12 to arrive at the periodic rate. For 
example, if the index rate were 5.0% and the 
margin were 3.75%, the Periodic Rate for that 
billing cycle would be 0.7292% (5.0% plus 3.75% 
divided by 12). A periodic rate of 0.7292% 
corresponds to an ANNUAL PERCENTAGE 
RATE of 8.75%. The margin is based on an 
evaluation of your credit history and may be 
reviewed and adjusted annually. The Annual 
Percentage Rate will not be higher than 18.00%, 
regardless of the index rate.
Visa NOW REWARDS Periodic Rate: To 
determine the Periodic Rate, we take the 
�Index Rate� as defined below, add a Margin 
and divide that number by 12 to arrive at the 
periodic rate. For example, if the index rate 
were 5.0% and the margin were 4.75%, the 
Periodic Rate for that billing cycle would be 
0.8125% (5.0% plus 4.75% divided by 12). A 
periodic rate of 0.8125% corresponds to an 
ANNUAL PERCENTAGE RATE of 9.75%. The 
margin is based on an evaluation of your credit 
history and may be reviewed and adjusted 
annually. The Annual Percentage Rate will not be 
higher than 18.00%, regardless of the index rate. 
The Index Rate  used for calculating your 
Periodic Rate for a billing cycle is the Prime Rate 
published in the Wall Street Journal on the last 
business day of the prior month (the �Periodic 
Rate Adjustment Date�). There are 12 Periodic 
Rate Adjustment Dates per year.
Because the Index Rate may go up or down, 
the Periodic rate applied to your Average 
Daily Purchases Balance or Average Daily Cash 
Advance Balance, as the case may be, may also 
increase or decrease, thereby increasing or  6decreasing the number of payments you will be 
required to make in order to repay your Total 
New Balance.
The Periodic Rate that is applied to your 
Average Daily Purchases Balance and Average 
Daily Cash Advance Balance appears on your 
monthly statement. The Periodic Rate, in effect 
at the time of your Card approval, was provided 
to you in a separate Credit Union initial welcome 
letter and or acknowledgment form.
8. Change In Terms Of Your Account.  We can 
change or add to any terms of your Account at 
any time. We do not guarantee that the fees 
and the Annual Percentage Rates (APRs) on this 
Account are for any particular length of time. 
Future changes will be made in accordance 
with this Agreement and applicable law. We 
will provide you with such notice as is required 
by applicable law. Such changes may apply to 
the existing balance on your Account as well 
as to future balances in accordance with this 
Agreement and applicable law. If required by 
applicable law, we will permit you to reject 
certain types of changes, by providing us with 
written notice and closing your Account and you 
would then be permitted to repay any balance 
on the Account under the terms in effect prior to 
the change.
9. Savings Account Required. All applicants 
and co-applicants on a credit card Account must 
have an open savings Account that carries a 
share par balance. You must continue to be a 
member of the Credit Union and comply with 
the basic Account requirements to maintain 
eligibility for this Account. You may close your 
Account at any time by notifying us in writing 
and returning all Cards cut in half.
10. Overdraft Protection Advances.  Overdraft 
protection advances will begin only if you 
designate your Card as an overdraft protection 
source in writing. If your checking Account does 
not have sufficient available funds to cover any 
item presented and drawn on the Account, 
any overdraft up to your unused credit limit 
will be added to your credit Card Account 
balance under this Agreement, if the Credit 
Union pays the item. The Credit Union has 
the right to refuse overdraft advances but will  7notify you of the refusal. If there is more than 
one person listed on the checking Account 
(such as a joint checking Account) that you have 
linked for Overdraft Protection, then: (1) you 
will be responsible for all Overdraft Protection 
advances regardless of which person causes any 
item to be presented or engages in any other 
transaction that causes the overdraft (checks, 
ACH, debit Card, etc); and (2) you expressly 
consent to us disclosing to any other person 
on that checking Account that the checking 
Account is linked to the Card for Overdraft 
Protection. We reserve the right to cancel or 
suspend your Overdraft Protection service at any 
time at our sole discretion, for any reason.
11. Credit Card Fees.  We may charge your 
Card or your Account for Card related fees. 
The application and payment of the fee will not 
correct the situation that caused the fee to be 
charged. Please refer to our current Credit Card 
Pricing Information.
Other Fees: (1) If you ask the Credit Union for 
statement research and reconstruction services 
for any reason, you will be charged the same 
hourly rate then being charged by the Credit 
Union for all of its checking Accounts for that 
service; (2) Additional fees may be charged 
if agreed between you and us; and (3) To the 
extent not prohibited by law, if you are in 
default, you agree to pay our collections costs, 
attorney�s fees and court costs incurred in 
enforcing our rights under this Agreement.
We may waive any of the fees in this Agreement 
at our discretion; however, we reserve the right 
to begin charging any fee that was previously 
waived without providing prior notice to you.
12. Reevaluation of Credit.  We can 
reinvestigate and reevaluate any information you 
provided on your credit application at any time, 
and in the course of doing so, we may ask you 
for additional information, request credit bureau 
reports and/or otherwise verify your current 
credit standing.
13. Account Closing.  We may cancel, revoke, 
reduce the amount of your credit line or 
suspend your rights under this Agreement 
and require the return of the Card(s) for any 
reason, including your default, without notice to  8you except in those situations where notice is 
required by law. You may also close the Account 
at any time by notifying us in writing and 
returning all Cards. If the Account is closed or 
we terminate or suspend your credit privileges 
for any reason, you must still repay any unpaid 
balance you owe to us including charges and or 
transactions not yet received by us, as well as 
subsequent Finance Charges and other charges 
according to the terms of this Agreement. Each 
Card is our property and you agree that the 
Cards are not transferable and to surrender any 
Card upon demand. If this is a joint Account, 
either person who is liable on the Account may 
give notice to cancel the Account, and we may 
close it without notifying the other liable person.
14. Default. You will be in default, and we may, 
without notifying you, temporarily suspend 
your credit, close your Account, cancel all Cards 
issued on it and require immediate payment 
of your entire balance if any of the following 
occurs:
a. You fail to make a payment when it is due;
b. You do not follow the terms of this 
Agreement in any way;
c. You have made any false or misleading 
statement on the application for your 
Account;
d. You fail to pay any other loans you owe us;
e. You become insolvent or die;
f. There is an attachment, execution or levy 
against your property or you make an 
assignment for the benefit of creditors;
g. A bankruptcy petition is filed by or against 
you or your spouse;
h. A guardian, conservator, receiver, custodian 
or trustee is appointed for you;
i. You are generally not paying your debts as 
they become due; 
j. There has been a material adverse change 
in your financial standing;
k. Something happens that we believe may 
seriously affect your ability to repay what 
you owe under this Agreement.
15. Consent  To Recover Delinquent Payments
From Accounts.
a. In consideration for and as a condition of 
the Credit Union issuing a Card(s) to you, 
you agree that if you fail to make your  9required payments the Credit Union can 
take any monies on deposit at the Credit 
Union in which you have an interest to 
recover all or part of your delinquent 
debt without advance notice to you and 
without waiving other rights we have to 
collect what you owe. This consent is not 
a pledge of any shares and will not affect 
your right to withdraw shares prior to 
our exercise of our rights following your 
payment default. This consent applies to 
all funds you voluntarily deposit to Credit 
Union Accounts, including funds such as 
Social Security direct deposit that are 
normally exempt from creditors� remedies 
(this does not include your Individual 
Retirement, KEOGH or SEP Account). You 
understand that we will never require you 
to deposit exempt funds to Credit Union 
Accounts.
b. For Cards secured by Shares, an amount 
equal to 100% of your credit limit is 
held in your Regular Savings Account as 
collateral for your credit. 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. 
If you default in your payments under this 
Agreement, we have the right to apply the 
amount specifically pledged to pay off this 
Account in full or in part.
c. The security interests in this section apply 
even if your Card(s) is otherwise designated 
�secured� or �unsecured.�
16. Attorneys� Fees. You agree to pay all costs 
incurred by us in collecting your indebtedness or 
in enforcing this agreement including attorney�s 
fees and costs, as well as those costs, expenses 
and attorney�s fees incurred in appellate, 
bankruptcy and post-judgment proceedings, 
except to the extent such costs, fees or 
expenses are prohibited by law.
17. Returns and Adjustments. Merchants and 
others who honor the Card may give credit  10for returns or adjustments, and they will do so 
by sending us a credit slip, which we will post 
to your Account. If your credits and payments 
exceed what you owe us, we will hold and apply 
this credit balance against future purchases and 
cash advances, or if it is $1.00 or more, refund it 
on your written request or automatically after 6 
months.
18. Plan Merchant Disputes.  We are not liable 
for the refusal of any plan merchant or financial 
institution to honor your Card.
19. Additional Benefits/Card Enhancements. 
The Credit Union may from time to time offer 
additional services to your Account, such as 
travel accident insurance, discontinue any credit 
service, or replace your Card with another Card 
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.
20. Use of Card for Illegal or Risky 
Transactions. You agree that you will not use 
or allow others to use your Card(s) for illegal 
transactions such as illegal online gambling. The 
Credit Union may refuse to honor any transaction 
we reasonably believe to be illegal. However, 
ultimate responsibility for determining the legality 
of transactions for which your Card is used rests 
with you, not with the Credit Union. You agree to 
hold us harmless for any damages or other liability 
arising from a transaction initiated by you or your 
authorized user for the purpose of conducting an 
illegal activity, including but not limited to, internet 
gambling or interstate sports betting. We reserve 
the right to decline authorization of transactions 
for activities we believe may violate law or pose 
significant risk to our members or us. You cannot 
use the actual or alleged illegality of a transaction 
for which authorized use of your Account was 
made as a defense to your obligation to pay.
21. Liability for Unauthorized Use. If you 
believe that your Card may have been lost or 
stolen or that your Account number may have 
been used without your authorization you must 
notify us immediately at: 1-800-336-3384 or 
via our website, or by writing to: Northwest 
Federal Credit Union, Attention: Card Services  11Department, P .O. Box 1229, Herndon, 
Virginia 20172-1229. You may be liable for the 
unauthorized use of your Card depending on 
the circumstances. Visa Cardholders: Depending 
on the circumstances, you may qualify for zero 
liability under the Visa zero liability program.
22. Lost Or Stolen Cards.  You agree to notify us 
immediately if your Card is ever lost or stolen or if 
unauthorized use may occur. You 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(s) and to 
comply with such procedures as we may require 
in connection with our investigation. We will send 
you a new Card with a new Account number to 
replace the Card that was lost or stolen. Although 
you will be issued a new Account number, you will 
not be considered to have opened a new Account, 
and any existing balance will be transferred to the 
replacement Account.
23. Foreign Transactions.  Purchases and cash 
advances made with Visa outside of the United 
States and its territories, including online 
purchases from a non-U.S. retailer that uses 
an overseas bank to process transactions, may 
incur an international transaction fee. This fee, 
which is up to one percentage point (1%) of the 
transaction amount, is assessed by Visa. The 
Credit Union, as Card issuer, does not assess an 
additional international transaction fee.
Visa.  If you engage in a transaction in a currency 
other than U.S. dollars using a Visa Card, Visa 
International will convert the charge into a U.S. 
dollar amount. The exchange rate between the 
transaction currency and the billing currency 
used for processing international transactions is 
either (a) a rate selected by Visa from the 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 (b) the government mandated rate in effect 
for the applicable central processing date. The 
currency conversion rate for the processing date 
may differ from the rate in effect on the date 
of the transaction or the date the transaction is 
posted to your billing statement.
24. Effect of Agreement and Amendments.  
This Agreement governs all transactions on your  12Account even though the sales, cash advance, 
credit, or other slips you sign or receive may 
contain different terms. We may amend or 
change this Agreement, including rates, at any 
time. If we do so, we will notify you in writing in 
accordance with the applicable law. However, 
we may reduce charges, fees and rates without 
sending you an advance notice. Except as limited 
by applicable law, any amendment will apply to 
all then outstanding unpaid indebtedness arising 
from the use of your Card prior to the effective 
date of the amendment. Any such amendment 
will not require your written consent, but your 
consent (if required by applicable law) may be 
evidenced by your use of the Card after we give 
you notice of the amendment.
25. What To Do If You Think You Find A 
Mistake On Your Statement. If you think there 
is an error on your statement, write to us at:
Northwest Federal Credit Union
ATTN: Card Services Department
P .O. Box 1229
Herndon, VA 20172-1229
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. 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 
While we investigate whether or not there has 
been an error, the following are true:
� 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. But, if we 
determine that we made a mistake, you will 
not have to pay the amount in question or any 
interest or other fees related to that amount.
� While you do not have to pay the amount 
in question, you are responsible for the  13remainder of your balance.
� We can apply any unpaid amount against your 
credit limit.
26. 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 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 Card for the 
purchase. Purchases made with cash 
advances from an ATM or with a check that 
accesses your 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 at:
Northwest Federal Credit Union
ATTN: Card Services Department
P .O. Box 1229
Herndon, VA 20172-1229
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.
27. Change Of Name, Address, Or Telephone 
Number(s).  You are responsible for promptly 
notifying us of a change in your name, address 
(including the e-mail address(es) you use for 
online banking with us and any other e-mail 
address(es) at which you agree to be contacted), 
or telephone number(s) (including any wireless 
telephone number(s).
28. Inactivity. Cards unused and or idle for 
twelve (12) months or more with a zero (0) 
balance will automatically be closed. Should that  14occur an application and credit approval would 
be required to establish a new Card Account.
29. Important Disclosures for Active Members 
of the Military and Their Dependents.  The 
following applies if at the time of this unsecured 
loan you are a member of the military or a 
dependent (as those terms are defined in the 
Military Lending Act, 10 U.S.C. 987 and its 
implementing regulations):
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 844-709-4652.
2.  This loan or advance will not be secured by a 
consensual lien on shares or deposits in any 
of your Accounts. The Credit Union, however, 
does not waive any statutory share lien that 
may apply to your loan.
3.  Any reference to cross-collateralization shall 
not apply to this loan or advance.
4. This loan or advance is not subject to 
mandatory arbitration and therefore any 
reference to mandatory arbitration in the 
Credit Card Agreement and Disclosure 
Statement shall not apply to this loan or 
advance.
5.  Any waiver under the Credit Card 
Agreement and Disclosure Statement of 
applicable state and federal rights shall not 
apply to your loan.
All information about the Card described in this 
disclosure is current as of 5/1/2021. Subject to 
change.
GAM ( 5/1/2021) 3M 15