MIDFLORIDA Credit Union
Loan Department
P.O. Box 8008
Lakeland, FL 33802

VISA SIGNATURE CREDIT CARD

APPLICANT’S NAME

JOINT NAME

CONFIRMATION NUMBER

IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of November 12,
2013. You can contact us toll free at (866) 913-3733 or P.O. Box 8008, Lakeland, FL 33802 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for
Purchases

11.99% - 18.00% depending on your credit rating and other factors. 
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers and 
Cash Advances

11.99% - 18.00% depending on your credit rating and other factors. This APR will vary with the market based
on the Prime Rate.

Penalty APR and When it Applies

Paying Interest

17.99% This APR may be applied to your account if you make a payment that is late 60 days or more. However,
if your standard rate is 18%, the Penalty APR will not apply.
How Long Will the Penalty APR Apply? You must make 6 payments in a row on time to cancel the penalty rate
and have your APR lowered to the rate in effect at the time the 6th on time payment is made.
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on pur-
chases if you pay your entire new purchase balance by the due date each month. We will begin charging inter-
est on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES:
Fees to Open or Maintain your Account:
Transaction Fees

None

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

$20.00 or 2% of the amount of each transfer, whichever is greater.
$20.00 or 2% of the amount of each cash advance, whichever is greater.
0.8% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Up to $25.00 if your payment is late.
None
Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of each month.
Overdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 11.99%
- 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added
and will accrue interest at the same rates.
Snapshot Photo Card Fee: First card free for each user. $5.99 per individual card thereafter.

VISA CARD CREDIT APPLICATION SIGNATURES - PLEASE READ BEFORE SIGNING
All the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on this application. You have my permission to check it. You may retain
this application even if not approved. I understand that you may receive information from others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my
accounts with you. If this application is approved, I agree to honor the provisions of the Visa Credit Card Agreement that is attached to this application. (If this application is for two of us, this statement applies to both of us.)
Detach the VISA Credit Card Agreement and retain it for your records.

I agree that if I am approved for a credit card, I will give the credit union the following security interest to secure the payment of any credit extended on the account: I agree that in the event of my default, you may apply the
amount of any monies I may have in the credit union, except IRA accounts, to the outstanding balance. Your interest in shares or deposits at the time of default is the result of my pledge of shares. Granting the security
interest is a condition for obtaining the credit card account. I agree that this security interest becomes part of my VISA Signature Agreement and Disclosures which will accompany the card, and I acknowledge this pledge by my
initials.                      (Applicant Initials)                          (Co-Applicant Initials)
Credit Report Authorization. By signing this Application, I authorize you to obtain my credit report for the purposes of evaluating this application and to obtain subsequent credit reports on an on-going basis in connection with
this transaction, and for all other legitimate purposes, such as reviewing my accounts or taking collection action on the account. 

Vermont Residents: Applicant provided consent via phone _______________ (Credit Union Initials)

Permission to contact: By providing a wireless telephone number (i.e., cell phone), I consent to receiving calls, including autodialed and prerecorded message calls, from the credit union or its third party debt collector at that number.

IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What
this means for me:  When I open an account, you will ask for my name, address, date of birth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.

Rates: The range of rates disclosed above represent all possible rates available to all borrowers. The rate I actually qualify for will be disclosed to me on or before account opening. Rates are subject to change.

BY SIGNING, ACTIVATING OR USING THE CARD, I AGREE TO THE TERMS OF THE ACCOUNT AND PROMISE TO PAY ALL AMOUNTS DUE.

SIGNATURE OF APPLICANT
X

DATE

CO-APPLICANT SIGNATURE (WHERE APPLICABLE)
X

DATE

APPLICATION FOR GROUP CREDIT INSURANCE - Minnesota Life Insurance Company, 400 Robert Street North, St. Paul, MN 55101-2098
I (we) are applying for the credit insurance coverage(s) selected below and agree to pay the required premium. I (we) understand that fees may be paid by the insurer in connection with coverage to the sponsor of this plan and/or
its affiliates or designates. I (we) understand this insurance is voluntary and that I (we) may terminate it at any time. I (we) also agree that: 1. I am eligible for life insurance if I am presently under age 71. In no event is life
insurance coverage to remain in force beyond the date you reach age 71. Please read the "When does your insurance terminate?" provision. 2. If joint life insurance is selected, we are eligible if the older applicant is presently
under age 71. We must be jointly and individually liable under the loan. Co-signers or guarantors are not eligible for insurance. In no event is joint life insurance coverage to remain in force beyond the date the older of the two
of you reaches age 71. If insurance terminates on the older of the two of you due to attainment of age 71, insurance will continue on the other debtor under single life insurance coverage. Please read the "When does your
insurance terminate?" provision. 3. I am eligible for disability insurance if l am presently under age 66. I also must be presently employed outside the home for wages or profit for 30 hours or more per week and have been so
employed for 30 days or more before this date. In no event is disability insurance coverage to remain in force beyond the date you reach age 66.  Please read the "When does your insurance terminate?" provision. 4. A person
signing this application as co-applicant is not eligible for disability insurance. 
The following question must be answered to determine my (our) eligibility for insurance:

APPLICANT
YES

NO

CO-APPLICANT

YES

NO

During the last two years, have you or your co-applicant been advised of or treated for: cancer, heart attack or coronary artery disease, stroke, or cirrhosis; or have you or your co-
applicant been diagnosed for Acquired Immune Deficiency Syndrome (AIDS)?

My (our) answer to the above question is true to the best of my (our) knowledge and belief. If either my co-applicant or I answer "Yes" to this question, we understand that we are not eligible for insurance and will not be insured. 
The effective date of my (our) insurance will be the date of this application, the date the eligible loan is disbursed, or the date the note evidencing the loan is signed, whichever date is later. Any person who knowingly and with
intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

THIS INSURANCE CONTAINS LIMITATIONS/EXCLUSIONS PERTAINING TO BENEFITS PAYABLE.

COVERAGE REQUESTED (*MONTHLY PREMIUM PER $100.00 OF OUTSTANDING LOAN BALANCE.)

Yes

No

Single Life

6.2¢*

Yes

No

Joint Life

10.9¢*

Yes

No

Credit Disability

18.5¢*

SIGNATURE
X

99-60027.9 Rev. 4-2003
QXP PDF FI17302 10-2013

DATE

SIGNATURE 
X

DATE

© 2005 Securian Financial Group, Inc.  All Rights Reserved.

MIDFLORIDA Credit Union
P.O. Box 8008
Lakeland, FL 33802

NOTICE: See reverse side for important information regarding your rights to dispute billing errors.

VISA SIGNATURE 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 MIDFLORIDA Credit Union or its successors.

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURI-
TY 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.  THE  GRANTING  OF  THIS  SECURITY  INTER-
EST  IS A  CONDITION  FOR  THE  ISSUANCE  OF  CREDIT  UNDER  THIS
AGREEMENT.  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 secu-
rity interest.

If  you  have  other  loans  with  us,  collateral  securing  such  loans  may  also
secure your obligations under this Agreement, unless that other collateral is
your principal residence or non-purchase money household goods.

Using Your Card. You can purchase or lease goods and services from any mer-
chant who honors your Card, and you may obtain cash advances from financial
institutions and ATM machines that accept the Card, up to your maximum cred-
it  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 avail-
able. 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.
Personal Identification Number (PIN). We may issue a Personal Identification
Number (PIN) for use with your Card. This PIN is confidential and should not be
disclosed  to  anyone.  You  may  use  your  PIN  and  your  Card  to  access  your
account, and all sums advanced will be added to your account balance. In the
event a use of your PIN constitutes an Electronic Funds Transfer, the terms and
conditions of your Electronic Funds Transfer Agreement may affect your rights.
Promise  To  Pay. You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all  purchases,
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you
authorize to use the Card; (b) all Interest Charges and all other charges or fees;
(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 cred-
it limit that we may extend to you. 
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 fur-
ther agree to indemnify and hold us harmless from any suits, liability, damages
or adverse action of any kind that results directly or indirectly from such illegal
use. You  promise  to  pay  us  any  and  all  amounts  owing  on  your  Card  for  any
transactions made by you, even if the transaction is determined to be illegal.
Joint Accounts. Each of you will be responsible, jointly and severally, for the
repayment of amounts owed, regardless of who initiated any transaction under
the account.

You request an additional card for an authorized user in the name of:

                                                                    ________                                   
Others Using Your Account. If you allow anyone else to use your account, you
will be liable for all credit extended to such persons. You promise to pay for all
purchases and advances made by anyone you authorize to use your account,
whether or not you notify us that he or she will be using it. If someone else is
authorized to use your account and you want to end that person’s privilege, you
must notify us in writing, and if he or she has a Card, you must return that Card
with your written notice for it to be effective. 
Ownership of Card. Your Card remains our property and may be cancelled by
us at any time without notice. You agree to surrender your Card and to discon-
tinue use of the account immediately upon our request.
Interest Charges. (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  debit  adjustments  and  subtract  any  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 purchas-
es by paying the full amount of the new balance for purchases each month by
the  date  on  which  the  payment  is  due.  Otherwise,  the  new  balance  of  your
account,  and  subsequent  advances  from  the  date  they  are  posted  to  the
account,  will  be  subject  to  an  Interest  Charge.  You  cannot  avoid  Interest
Charges on cash advances or 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.
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.
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 author-
ity for such use, and from which you receive no benefit. The telephone number
to call is (866) 820-3935. You agree to follow up your call with notice in writing
to  us  at:  P.O.  Box  8008,  Lakeland,  FL  33802.  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 be
liable for any unauthorized use only if we can prove that you were grossly neg-
ligent in your use or handling of your Card, or if we can prove that you used your
Card fraudulently.
Minimum  Payment  Due;  Crediting  of  Payments. Payments  are  due  in  the
amount and on the date disclosed on your billing statement. If your payment is
received by us on a business day at the address and by the time designated on
the billing statement, it will be credited to your account on the date of receipt. If
payment is made at any location other than the address designated on the peri-
odic  statement,  credit  for  such  payment  may  be  delayed  up  to  five  (5)  days.
Payments will be applied in any order we determine, subject to applicable law.
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 bank-
ruptcy  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 unwill-
ing 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 collec-
tion,  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. 
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.
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.
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 bureau and creditors who inquire about your credit standing.
Foreign Transactions; Currency Conversion. Purchases and cash advances

CONTINUED ON REVERSE SIDE
Detach and keep this agreement for future use.

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.
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.
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.
Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this
Agreement.
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 locat-
ed in the county and state in which we are primarily located. Operating regula-
tions of Visa 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.

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).
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 payments made for 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 consti-
tutes 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.
Late or Partial Payments. Any payment that delays the reduction of your bal-
ance will increase your total interest costs. Partial payments or prepayments will
not delay your next scheduled payment – you will still need to make the mini-
mum scheduled payment by the next scheduled due date to keep your account
current.  We  may  accept  late  payments,  partial  payments,  checks  or  money
orders marked “payment in full” and such action shall not constitute final settle-
ment of your account or a waiver or forgiveness of any amounts owing under
this Agreement.
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.
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 cred-
it 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.
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 responsi-
ble for goods or services that you purchase with the Card unless: (a) your pur-
chase  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

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(es) listed on your statement.
In your letter, give us the following information:
1. Your name and account number.
2. The dollar amount of the suspected error.
3. 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. 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 correct-
ed 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 respon-

sible 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 ques-
tion 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 prob-
lem 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 access-
es 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 pur-
chase, 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.