CREDIT UNION 

Southland Credit Union 
P.O. Box 3003 
Los Alamitos, 
800.426.1917 
www.SouthlandCU.org 

CA 90720-1303 

• fax 866.630.5792 

CREDIT CARD AGREEMENT 

IN THIS AGREEMENT, 
DESIGNATED 
YOU AGREE TO ALL OF THE 

TERMS AND CONDITIONS 

SET FORTH HEREIN. 

BY YOU UNDER THE TERMS OF 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 
BY USING YOUR CARD, 

AND THE "CREDIT UNION" MEANS SOUTHLAND CREDIT UNION OR ITS 

"WE", "US",  "OUR" 

SUCCESSORS. 

THE GRANTING OF THIS SECURITY INTEREST IS A 
THE ISSUANCE OF CREDIT 

UNDER THIS AGREEMENT. 

FOR 
CONDITION 

CONSENSUAL SECURITY 

YOU SPECIFICALLY  GRANT  US  A 
AND JOINT ACCOUNTS YOU HAVE 
INTEREST IN ALL INDIVIDUAL 
AND IN THE FUTURE TO SECURE REPAYMENT OF 
WITH  US  NOW 
CREDIT EXTENDED UNDER THIS AGREEMENT. 
YOU ALSO AGREE 
THAT WE  HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE 
AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT,WE CAN APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 

or any other 
Retirement  Account 

an Individual 
special 

Shares and deposits  in 
that would lose 
account 
given are not 
subject 
If you have other loans with us, collateral 
under this Agreement, 
secure your obligations 
or non-purchase 
is your principal residence 

tax treatment 
to this security interest. 

securing 

money household 

anyone else to use your account, 

extended 

you  allow 

Your Account.  If 

Others  Using 
you will be liable 
for all purchases 
account,  whether 
someone  else  is 
person's  privilege,  you  must 
you must return 

for all credit 
and advances 
or not  you 
authorized 

to such persons. 
made by anyone you authorize 
us that he or she will  be 

to use  your 
notify 

that Card with your written 

account 

notice 

notify 

for it to be effective. 

to use your 
using ii. If 

You promise 

to pay 

and you want to end  that 

us  in  writing,  and  if he 

or she  has  a  Card, 

Ownership 
by us  at  any 
discontinue 

of Card. Your  Card 
notice. 

time without 

remains 

our property  and  may 

be cancelled 

You agree to surrender 

your Card and to 

use of the account  immediately 

upon our request. 

You agree 

not to present 

or lease  goods  and 

institutions 
limit. 

from any 
you may obtain cash advances 
that accept the Card,  up 

honors your  Card,  and 
and  ATM machines 

Using Your Card. You can purchase 
merchant  who 
financial 
maximum credit 
advance for any extension 
however, 
if you do  exceed 
payment sufficient 
purchases 
transaction. 
system is not working,  we  may  not  be  able 
though you 
block the use of your Card  in  certain 
have no 

or geographic 
occur. 
to you or others if any of these events 

authorization 
asked to provide 

reasons, 
have sufficient credit available. 

to authorize 
Also, for security 

of credit 
your credit 

In some cases, you may be 

and cash advances 

in  excess  of 

to bring the balance below  the  credit 

you  agree 

liability 

countries 

require 

limit, 

we may 

law if 
under state or federal 

goods. 

such loans will also 

with applicable 
Interest 
during  the 

Interest 
Charges. 
the time you open your 
accordance 
transactions: 
unless that  other  collateral 
outstanding 
beginning 
balance  transfers 
interest 
charges, 
Then, we add up 
the number of  days  in 
rate corresponding 
have different 
separate 
appropriate 

your Card or obtain  a  cash 
your available  credit 
limit; 
to make immediate 

and  unpaid 
all  the 

from 
to your 

average daily balances 
periodic rate 

the billing 

services 

Certain 

limit. 

You agree to pay interest at the rate(s) 

disclosed 

to you at 

account and 

as may be changed from time to time in 
new 

law. Average Daily Balance  including 

Charges will accrue on your average daily balance 
month. To get  the 

daily balance, 

average 

we  take  the 

balance each day,  add  any  new 

purchases, 

cash advances, 

or other advances, 

and subtract 

any  payments,  unpaid 

late charges. 
daily balances 
cycle. 

for the billing 
We then multiply 

This gives us  the daily balance. 

by 
cycle and divide that 

that by the  periodic 
If you 
your account. 

to the Annual Percentage 

Rate  on 

rates for purchases, 

cash advances 

or balance transfers, 

is then applied 

to each. 

prior to completion of the 
Grace Period  on 
identification. 
If our 
Interest  Charges  on 
a  transaction,  even 
amount  of 
by the date on which 
account, 
account, 
Charges on cash advances; 
by the payment due 
date the cash advance is posted 

and subsequent 
will  be 

the new balance 

areas. We will 

purchases 

subject 

Card 

advances 

Purchases and  Balance 

for purchases 

Transfers Only: You  can avoid 
and  balance  transfers 
by paying  the  full 
month 
your 
to the 
they are  posted 
Charge. You cannot avoid  Interest 

transfers  each 

from  the  date 

and balance 

to  an Interest 

even if you pay the entire 

cash advance balance 

date, you will incur 

the Interest 

Charges accrued 

from the 

to your account. 

Number  (PIN) 

We  may issue a Personal 

Number (PIN). 
for use  with 
to anyone. 
and all sums 

Personal Identification 
Identification 
disclosed 
and should not be 
to access your account, 
advanced 
balance.  In  the  event  a  use  of  your  PIN 
Transfer, 
Agreement 

You may use your PIN and your 
will be added to your account 

an Electronic  Funds 
of  your  Electronic  Funds 

your Card. This PIN is confidential 

may affect your rights. 

the  terms  and 

constitutes 

conditions 

Transfer 

to the Interest 

Fees. In addition 
pay any  and  all  fees  that 
Lending 
disclosures 
time), 

Statement 
or as disclosed 

or similar 

to you during the term of 

your Card. 

you incur as disclosed 

to you  on your Truth-in­
(as  may  be  amended  from 

time to 

Charges set  forth  above, 

you agree to also 

(d) credit 

for (a)  all 

purchases, 

if your  Card 

will not be 

Card and account 

"Unauthorized 

Transactions. 

to use the Card; (b)  all 

charges 
Charges and  all  other 

to pay  us in U.S. dollars 

You agree that your 

and  balance  transfers 

as determined 
any illegal transactions 

any transaction that we believe 

You 
Use Occurs. 
is ever lost or stolen or if an 

us immediately 
use may have occurred. 

recovery 
in the 
limit that we may extend to you. 

Promise To Pay. You promise 
cash advances, 
authorize 
fees; (c) collection 
and any costs 
incurred 
your credit 

authority 
number to call  is  (800)  426-1917. You agree 

Interest 
as permitted 
costs and  attorney's  fees 
of the Card;  and 

made by you or anyone whom you 
or 
by applicable  law, 
in excess of 

If Your Card is Lost or Stolen or  if an Unauthorized 
agree to notify 
unauthorized 
the Card by someone other than you who does not have  actual, 
or 
The 
apparent 
telephone 
to follow  up 
with notice in  writing 
You also agree to assist 
an event of default under this 
pertinent 
information 
your Card and comply 
with our investigation. 
can prove that you  were  negligent 
we can prove that you used your 

Illegal 
to make or facilitate 
and that any such use will constitute 
We may decline 
limited 
law,  including  but  not 
gambling 
agree that  we 
activity. You 
any such use by you or any  authorized 
and  hold  us  harmless  from  any 
transaction. 
Minimum Payment Due; Crediting 
or 
kind that  results  directly 
action  of  any 
suits, 
amount  and  on 
indirectly  from  such  illegal  use.  You promise 
amounts 
is received 
by you, even if the transaction 
owing on your 
designated 
is determined 
date  of  receipt. 
designated 
delayed up to five (5)  days.  Payments  will  be  applied 
determine, 

or possible unauthorized 
as we may require 
for any unauthorized 

you will be 
Joint Accounts. 
repayment  of  amounts 
owed, regardless 
under the account. 

or relating 
to any 
or responsibility 
for 
or for declining  any  such 

made at any  location  other  than 
credit for such payment  may  be 
statement, 

used 
by applicable law; 
Agreement. 

Card for any transactions made 
to be illegal. 

to be illegal 
involving 
will have no liability 

the date disclosed 
business 
statement, 

day  at the address and by the time 
on the 
it will  be 

with such procedures 
You will  be  liable 

P.O. Box  3003,  Los 
the facts, 

in connection 
use  only  if  we 

If payment  is 
on the  periodic 

for the 
any transaction 

your  call 
CA 90720-1303. 

jointly 
of who initiated 

due in the 
If your payment 

or handling  of your  Card, 

implied 
benefit. 

to applicable law. 

under applicable 

use" means the  use  of 

Card fraudulently. 

to any loss,  theft 

on  your  billing 

to any transaction 

and  from  which 

on  the billing 

to pay  us any and  all 

us in determining 

agree to indemnify 

circumstances 

damages or adverse 

Payments  are 

you receive  no 

responsible, 

and severally, 

in any order  we 

the  address 

for such  use, 

to your account 

of Payments. 

liability, 

statement. 

by us  on  a 

in your  use 

You further 

and other 

Alamitos, 

user(s); 

relating 

credited 

to us  at: 

Each  of 

subject 

use of 

or if 

9011 LASER VELOCITY Fl19851 

9-2017 

page 1 of 3 

COPYRIGHT 2009 Securian 

Financial 

Group, Inc. All rights reserved. 

for each  will  be  calculated  and  the 

the payment is due. Otherwise,  the new balance of 

AGREEMENT, 

IN  THIS 
DESIGNATED 
YOU AGREE TO ALL OF THE 

TERMS AND CONDITIONS SET FORTH HEREIN 

"YOUR" MEAN  ANY  PERSON  \/\/HO  ACCEPTS  THIS  AGREEMENT  OR  USES 
BY YOU UNDER THE TERMS  OF THIS AGREEMENT  "V'vE", "US", "OUR" AND THE  "CREDIT 

THE CARD  THE  "CARD"  MEANS 
UNION" MEANS SOUTHLAND CREDIT UNION OR ITS 

"YOU"  AND 

SUCCESSORS BY USING 

YOUR CARD, 

ANY CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE 

Costs. You will be in 
you fail to keep any 

if:  (1) 

Acceleration; 

Credit Suspension; 

you fail to make  any 

you die; (4) if you file a 

you have made under this Agreement 

Collection 
payment on  time; (2) if 

Default; 
default 
promises 
or  under  other 
you have with us; (3) if 
or have a 
in bankruptcy 
you, or  if you become involved 
bankruptcy 
in  any 
petition 
insolvency,  receivership  or  custodial 
to 
anyone attempts 
(5)  if 
take any of your funds held by us via 
or  tax lien filed against 
misleading statements 
good faith, 
impaired, 

proceeding; 
legal process  or if  you 

that your ability 
or that you are unwilling 

you make any false, 

you;  (6)  if 

your payments. 

filed against 

petition 

believe 

to make 

update; 

in any 

credit 

credit 

or 

have a judgment 
inaccurate, 
or (7) if we, in 

application  or 
to repay what you awe is  or  soon  will  be 

increase 

Payments. 

Late or  Partial 
balance  will 
prepayments 
to make the minimum scheduled 
keep  your 
checks or  money  orders 
constitute 
amounts owing under this Agreement. 

final settlement  of 

Agreements 

Any payment that delays the reduction  of  your 

will not delay your next scheduled 

payment - you  will  still 

your total interest 

costs. Partial 

payments or 
need 

account  current. We 

may accept late payments, 
in full" 

marked "payment 

payment by the next scheduled 

due date to 
partial payments, 
and such  action 
shall not 
of any 
waiver or forgiveness 

your account  or  a 

We  do not lose our rights 

Enforcement. 
them. If 
if we delay enforcing 
determined  to 
be unenforceable 
force and effect. 

any provision 
or invalid, 

under this or any related 
of this or any related 
all other provisions 

agreement 
remain in  full 

is 

agreement 

we have the right to demand immediate 
giving you notice. 
paying interest 
shares  that 

payment of your 
payment is 
If immediate 
fees until what 
charges  and 
were given as security 
for your 
you awe. You agree to pay all 

you agree to  continue 

are in default, 
If you 
full account balance without 
demanded, 
you awe has been paid, and any 
account may  be applied 
costs  of 
reasonable 
any costs incurred  in the 
if your unpaid balance 
available 

is  less 

collection, 

fees, and 
court costs and attorney's 
to applicable 
law. Even 
you will have no  credit 
is in default. 

towards  what 
including 

during any time that any aspect of your account 

than your  credit  limit, 

recovery of the Card,  subject 

Subject 

of electronic 

services  and  access 

to  applicable  law,  we 

Suspension 
accounts. 
services 
if you become 
to us or you cause 
delinquent 
a loss to  us.  We  shall  not  be  liable  to 
with 
such suspension 

may suspend  some  or 
or other account(s) 
obligations 

and access to your checking 

you in  any regard in connection 

to share or deposit 

card or deposit 

on any of your 

of services. 

credit 

all electronic 

Additional 
additional 
understand 
or change them at any time. 

Benefits/Card 
services 
that we are not obligated 

Enhancements. 

to your Account at no additional 

to offer such services 

cost  to 
and may withdraw 

you. You 

We  may from time to time offer 

Checks. We  may, at our discretion,  issue 
than making a payment for credit 

checks to  you  which 

such check, you authorize  us  to 
amount as  a cash advance  to 

pay the  item 

to  your 
for the 
your account. 

Convenience 
may  be used for any purpose  other 
account.  By 
signing 
amount indicated 
We  do  not 
in your 

any item  which 
limit. 

to exceed your credit 

and post such 

have to  pay 

account 

would cause 

the outstanding 

balance 

for returns 

and Adjustments. 

slip  which  will 

Merchants 
or adjustments, 

and others who honor 
Returns 
do  so  by 
and  they  will 
give credit 
credit 
credits 
exceed what you owe us, the amount will be  applied 
and cash advances. 
upon your 
refunded 

be posted to your account.  If  your 

If the credit 

request. 

or verbal 

written 

balance 

against 

future 

the Card may 

submitting 

a 

and payments 

purchases 

amount is  $1 or more,  it  will  be 

are not 

responsible 

of any plan 
to honor your Card. Also,  we 
are not 
that you purchase  with  the 

for the refusal 

Disputes. We 

or financial 
for goods  or 

institution 
services 
was made in response 

Plan Merchant 
merchant 
responsible 
your purchase 
participated 
in sending 
made from a plan merchant  in 
and only if you have  made 
obtain satisfaction  from  the  plan 
disputes directly with 
the plan merchant. 
We do not warrant 
Card. 
by you with the 
or services 

your state or within 
a good faith attempt, 

you; or (b) your purchase 

purchased 

merchant. 

sent or 
cost more than $50 and was 
100  miles  of 
but have  been 

your home; 
unable to 
all other 

You must resolve 

to an  advertisement  we 

Card unless:  (a) 

any merchandise 

Statements and Notices. 
address 
most recent postal 
such documents 
one of you will be  considered 

and notices 
address 
means) you 

via electronic 
notice 

Statements 

or e-mail 

to all. 

will be mailed to you 

at the 
to receive 
have elected 

(if you 

have given us. Notice sent to  any 

Notification 
your  address 
may need to be verified 

of Address Change. You will notify 
In order to prevent 
for any reason. 

before we act upon the notification. 

us promptly 
if you change 
identity  theft, 

your identity 

status. 

request 

personal 

your credit 

by us  may 

of updating 

information 

We  may from time  to  time 
reports from the credit 

Credit Information. 
from you  or obtain  credit 
purpose 
when requested 
Agreement, 
means. You authorize  us  to  investigate 
your credit 
reviewing  your  account.  You  authorize  us  to 
your account 
standing. 

Governing  Law. This 
Agreement 
state in which we are primarily 
state law in the 
located  in  the  county  and 
standing  when  opening  or 
regulations 
regarding 
to  all 
credit 

for the 
such information 
under this 
privileges 
by any 

transactions 
or other slips you sign or 

of credit 
to obtain any future advances 

reporting  agencies 
to provide 

Your failure 
in suspension 

result 
your ability 

disclose 
who inquire 

bureau and creditors 

apply. 
of Visa may also 

even though the sales, 

about your credit 

information 

including 

to credit 

receive 

shall be  construed 

under federal  law  and 
be 
venue shall 
and the 
state in which we are primarily 
Operating 
This Agreement 

that applies 

located. 

located, 

is the 

contract 
convenience  check, 

cash advance, 

may contain 

different 

terms. 

You acknowledge 

that you have received 

a copy of  this 

Copy Received. 
Agreement. 

made  in 

available 

will be billed  to 

foreign 
rate in dollars 

Foreign  Transactions; 
Currency Conversion. 
currencies 
advances 
will be a rate selected  by  the 
conversion 
in wholesale 
range  of  rates 
processing 
central 
or  the 
itself 
central 
processing 
of  the  United 
a foreign 
statement 

transaction 
(as amended from time to time). 

government-mandated 
instance. 

fee in the amount disclosed 

Purchases and cash 
you in U.S. dollars. 
The 
card company from a 
for  the 

date, which rate may vary from the rate the card company 

for  the 
processed 

currency  markets 

States (which may include 

All transactions 

will be 
transactions) 

date  in  each 

rate in effect 

receives, 

internet 

applicable 
outside 
charged 

applicable 

on your Truth-in-Lending 

NOTICE  TO  UTAH 
expression 
agreement 

of the agreement 
may not be contradicted 

between you  and  the 
by evidence 

BORROWERS: This written 

Credit 

agreement 

is  a final 

Union. This written 

of any oral agreement. 

notice, 

Termination 

repay any balance 

on your  account 

Change-in-Terms. 

well as  Interest  Charges  and 

at any time, subject 
by written  notice. 

law.  You  may 
party  shall 
resulting 

We  may, by written 
to applicable 
by either 

Termination; 
Agreement 
Agreement 
obligation  to 
Card  as 
terms of this Agreement, 
at  any  time, 
constitutes  agreement 
failure 
applicable  law  requires  otherwise.  Our 
to take any action shall not constitute 
amendment 

terms, unless 
or 
our rights 
a waiver of those rights, 
or  an 
of this Agreement. 

terminate 
this 
this 
terminate 
not affect 
your 
from use of the 

the method of calculating 
to applicable 

of any change  in 
any  of 
to exercise 

by written  notice,  subject 

any of the terms 

and acceptance 

or change in 

including 

fees incurred.  We  may  change  the 

the periodic  rate, 
law.  Use  of  the  Card 

page 2 of3 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: 

Act applies 
The Military 
Lending 
(as defined in 
Lending 
and apply during any period(s) 
in which you are active 
member of the military 

to this credit card 

or a dependent: 

the Military 

Act,  10 

account 

U.S.C. 987 and implementing 
military 

following 
regulations). The 
under those definitions. 

or a dependent 

you are an active 
terms and conditions 

member of the military 
amend your credit 

or a dependent 
card agreement 

They do not apply 

when you are not an active 

duty 

if at 

the time you establish 

the account 

1. NOTICE:  Federal law provides 
the cost of consumer 
rate must include, 
products 
the MLA. To receive 

In general, 
percent. This 
fees; fees for ancillary 
reasonable under 

important 
credit 

as applicable 

this notice 

sold  in 

2. Advances 

will not  be secured 

share or deposit 

a secured 
after the credit 

establish 
Account 
will not apply 
However, 
Any contract 

with regard to this credit 

or your 
to the Secured Account 
card account, 
card, security, 

terms in your 

credit 

card is established 

protections 

his or her 
to a member of the Armed  Forces  and 

to members of the Armed  Forces and 
dependent 

their dependents 

relating to 
exceed an  annual 

of consumer 
rate of 36 
percentage 

extensions 

may  not 

credit. 

to the credit 

transaction 

or account: 

connection 

with the credit 

transaction; 

the costs associated with credit insurance premiums 
any application 

they are  bona  fide  and 

fee or participation 

or debt protection 

fee  unless 

verbally, 

please call 

1-888-532-4686 

24 hours a day, 7 days a week. 

by  a consensual 
account 

in  connection 

lien on shares or  deposits  in  any  of  your 
Account"). 
card account 
contained in your credit or 

specifically 
the Secured 

Any cross-collateralization 

("Secured 
provision 

Only funds deposited  into 

share or  deposit 

unless  you 

with this credit 

membership 

documents 

agree  to 

will secure advances. 

accounts 

other share 

or deposit 

accounts 

for this account. 

we still 
reserve 
or membership 

our rights 
agreements 

liens and administrative 
the above shall be inapplicable. 

freeze under federal 

or state law. 

regarding 

statutory 

that contradict 

3. Your credit 

card account 

is not 

subject 

to mandatory 

arbitration 

and therefore 

any reference 

to mandatory 

arbitration 

in connection 

with this credit 

card 

account does not apply. 

YOUR BILLING RIGHTS  - KEEP THIS  NOTICE 

FOR FUTURE USE 

This notice tells you about your rights and our responsibilities 
Act. 
Fair Credit Billing 

under the 

After we finish 

• If we made a mistake: 

our investigation, 

one of two things will happen: 
You will not have to pay the amount in question 

or 

What To Do If You Find A Mistake 

On Your Statement 

If you 
listed 

think there is an error on 
on your 

statement. 

your statement, 

write to us at the address(es) 

In your 

letter, 

give us the following 

information: 

1. Your name and account number. 
error. 
2. The dollar 
3. If  you 

amount of the suspected 
think there is  an error on your bill, 
mistake. 

why you believe 

wrong and 

it is a 

us: 
You must contact 

describe 

what you believe 

is 

• Within 60 days 
• At least 3  business  days 

after the error appeared 

before an automated 

on your statement. 

payment is scheduled, 

if 

any interest 

or other fees related to 
believe 
• If we do not 

that amount. 

there was a mistake: 
with applicable 

interest 

and fees. We will send you a 
of the amount you owe and the date payment is due. 

You will have to pay 

the amount 

in question,  along 
statement 
then report 
owe. 

We may 
the amount we think you 

you  as delinquent 

if you do  not  pay 

If you receive our explanation 
to  us within 10  days 
telling 
cannot  report 
questioning 
reported 
the matter has been 

believe 
but still 
us that you still 
without 
also  reporting 
you the name of anyone to whom we 

and we must let those organizations 
know when 
between us. 

you as delinquent 
your bill. We must  tell 

you  as delinquent, 

your bill is wrong, you must write 
refuse to pay. If you  do  so,  we 

that you are 

settled 

you want 

to stop payment on the amount you think is wrong. 

If we do not follow 
of the amount you question even 

if your bill is correct. 

all of the rules above, you do not have to pay 

the first  $50 

You must notify us of any 
potential 
do,  we are 
to pay 

not required 
the amount in question. 

to investigate 

any potential 

errors in 

writing. 

You may call us,  but if 
errors 

you 
and you may have 

What Will Happen After We Receive 

Your Letter 

When we receive 

your letter, 

we must do two things: 

1. Within 30 days of 

your letter, 

we must tell you 

that we received 

receiving 
We will also tell you 
your letter, 

if we have already 

we must either 

corrected 
correct 

the error. 

the error or 

your letter. 

2. Within 90 days of 

receiving 
to you why we believe 

explain 

the bill is correct. 

While we investigate 
• We cannot  try 

delinquent 

on that amount. 
• The charge in question 

to collect 

the amount in  question,  or 

report you  as 

Your Rights If You Are Dissatisfied 

With Your Credit Card Purchases 

If you are 
your  credit 
the merchant, 
the purchase. 

dissatisfied 

with the goods or services 
card, and you have  tried in  good 
faith to correct 
pay the remaining 

that you have 

the right not to 

you may have 

the problem  with 
amount due on 

with 
purchased 

To use this right, 

all of 

the following 

must be true: 

1. The purchase 

must  have 

been made in your  home 

mailing 

miles of your current 
address, 
been more than $50. (Note: Neither 
purchase 
the company that sold you 
2. You must have used  your 

the goods or services.) 
credit 

the purchase. 

card  for 

made 
Purchases 
your 
with a check that accesses 

from an  ATM  or 

and the purchase 

state or within 100 
price must have 
of these are necessary 
if your 
own 

whether or not there has been an error: 

was based on an advertisement 

we mailed to you,  or if we 

continue 

to charge you interest 

on that amount. 

• While you do not have to pay the amount in question,  you 

are responsible 

may  remain  on 

your  statement, 

and we may 

with cash advances 
credit 

card account 
3. You must not yet 

do not qualify. 

have fully paid for the purchase. 

for the remainder of your balance. 
any unpaid amount against 

• We can apply 

your credit limit. 

If all of the criteria 
purchase, 

contact 

above are met and you  are 

us in writing 

at the address(es) 

still 
listed 

dissatisfied 

with the 
statement. 

on your 

the same rules  apply  to 

the disputed 

amount as 

While we investigate, 
discussed 
decision. 
may report 

At that point,  if we 
you as delinquent. 

above. After we finish our  investigation,  we 
you do not pay, we 

will tell you our 
think you owe an amount and 

page 3 of 3